{"metadata":{"transaction_key":"deprecated","request_id":"019dade4-7f70-70b0-8fde-18c5d063fd8a","sha256":"8594b02b46d4db5a0cadc7b8194842a32b14ace8d15a30f49d89cc45cd1183f5","created":"2026-04-21T02:35:30.538Z","duration":1972.512,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":7465,"output_tokens":134},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":8286,"output_tokens":8302},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":8286,"output_tokens":666}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Nicola. It's Tommy here, senior adviser from Oakview. How are you doing? I'm doing fantastic. It's a beautiful cool down the Gold Coast. What about your end? Oof. Not too bad. Bit of a beach weather all of a sudden. Awesome. I've got you booked in to go through a bit of an annual review if you still have time for me. Fantastic. Now before I get started, usual security process, are you okay for this call to be recorded? Amazing. And for security of your information, I'm registered with ASIC as Adviser 1273105. Are you okay to confirm your date of birth and address, please? Perfect. Amazing. Amazing. Thank you so much for that. I have your Gmail account ready to go to send through this annual review pack. Is that still okay? Awesome. So I'm gonna pop that through to you now with a number of usual attachments there as well. Will you have time to look onto these documents with me today, or should I just kind of walk you through what's there? Oh, that should be plenty of time. Yes. I can hear you perfectly. What about my end? Amazing. Alright. So that should come through. We do have a bit of a new system this year with Odoo, sort of custom built for us. That may go through to your spam box on the first attempt until it's all kind of cleared through spam filters and so on, or it may go straight to the main inbox. Just depends on Gmail these days. Awesome. Awesome. So before I dive into your details, is there anything in particular you would like to get out of this year's review? Amazing. Oh, no. Okay. Okay. Yeah. He would have just turned, what, 13 this year? Amazing. So with your the casual employment, would you potentially have an estimate of what your yearly income looks like now? Yeah. Well, even so, like, if I divided that by the seven months and extrapolated that ad annually, you're still getting around 27, which is creeping close to the 30 we had you on as part time. So with a bit of extra hours here and there, it kind of floats between the two. Yeah. No. That's painful. The the loading is supposed to help with that, but it often doesn't. Okay. And okay. Is it a different role from pharmacy assistant? Yep. Medical receptionist. And who's that for? In Port Adelaide. Thank you so much for that. And would you still say that your your main focus at the moment is just kind of paying down the mortgage? Because the main thing we have for every year for you was just getting that mortgage finalized. And how are you guys going with that? Yep. Okay. No worries. 270. That's pretty good. I think last check we have was about $3.73, so that's going down pretty nicely. Yep. Perfect. 595,000. Now do you have a bit of an estimate on the investment property's value now? Because I know property market's been all over the place. Yeah. Yeah. Okay. And I was having a look at the the main residence, and a bit of Google was saying it could even be estimated at about 1,300,000. Wow. That's amazing. I think we had an early, early estimate towards the beginning of about 700,000, so it's close to doubled the last sort of four or five years. Amazing. So equity everywhere, that must be nice. Whether it translates to something a bit tangible down the line, hopefully, that can come into play a little bit. Uh-huh. Oh, no. Okay. Yeah. That's never fun, especially when you've got I mean, is the rental okay on that property? Yeah. That's a tricky one. Yeah. And with the rental side of things, are they paying a a good $7.50, 800 a week, or what's the the average? Yep. Still here. $6.80. Yeah. And I'm I've got all those email chains. I have 24 replies with three, four different people, and it's a bit bit hard to try. No. That's okay. I mean, all I would kind of just give you as an an average for that $6.80 is it's a decent percentage compared to the debt level that you have. But compared to the value of the property, there may be properties in other states for 800,000 that would rent for $8.08 50 a week or something like that. So percentage wise, it might be a little bit low compared to the value. But if it's still keeping up with the repayments, that's pretty good. Yeah. Yeah. Yep. And it should be a pretty good outcome. I mean, at the end of the day, you still got enough years left where that mortgage can be paid off. You've got the investment property with the rental income. We'll sell that off. Bit of super on the side as well. So everything's looking like it's slowly coalescing in a good direction. Perfect. Perfect. Last couple of details I just wanna check with you is did you end up putting in place, like, a will or power of attorney, state planning wise? Yep. Yeah. Might be out of date. Yep. I think their their guidelines are, like, check every three years or so is usually pretty good. Power of attorney is really important too, I think, because even even the old $25 kit from the post office can make sure that someone can talk to the doctors and access bank accounts and not have to go to the courts, which is not as fun. So that might be do. Awesome. So addresses still stay the same. You still have the one dependent. Occupation is different. You guys have never gone through a a bankruptcy or part nine debt agreement before, have you? Nope. Perfect. Yeah. It's kind of like a type of bankruptcy, but it's kinda like a payment plan bankruptcy. Not as fun. Amazing. So that's pretty much it. Is there anything else on the cards for you guys the next three to five years? Amazing. I shall note that down. If you do you have any debt on it, or is it mainly just a clean purchase? Okay. And how much would that go for? Alright. I'll give the old 75 in the middle. And I do have to ask you all a important question. Are you guys planning to one day caravan around Australia in retirement, or is it more just for, you know, the next ten years? Yep. Yep. Amazing. And it's funny because it's a bit of a dream for about half of Australia, which is like, we'll just have the mortgage paid off. We'll hop in a caravan. We'll go around the country. Hopefully, there's no oil crisis for a lot of people who are acquiring with their caravans because that was probably unforeseen in terms of their retirement goals, but you've still got a bit of time for that to resolve. Amazing. When it comes to retirement and super so you can access your super at 60, and that's your preservation age. And 67 is when the age pension from Centrelink kicks in. So it's a bit of a balancing act between working a bit longer and growing your funds towards that age pension age or growing it a bit faster and retiring a bit earlier. I just wanted to kind of gauge with you what you foresaw for you and your family. Yep. So as early as possible. Amazing. And there's lots of different strategies you can do too, like, when it comes to properties and getting funds into super or supplementing with rental income, transition strategies after 60. So there's enough things that we can kind of do now, but there's also more coming down the line that can kind of bump you up a little bit too. For a bit of a joint retirement goal, I just wanted to quickly check base because of your your balance and your income level compared to your partner. I just wanted to briefly discuss what portion of that retirement income do you think you would need to contribute to it? Like, do you have an estimate on his super balance and I can kind of do a bit of a work back? Yeah. That's okay. Yeah. So one thing that we can do is you're in a pretty high growth portfolio, so the whole aim is just kind of catch you up. Get as much returns as possible as you get closer to retirement because, you know, twenty years from now is quite a while to project out. We can refine that joint retirement planning conversation when you get a bit closer, like late fifties. If for now the focus is just get as much as possible, we can focus there. Absolutely. And we've got a few a few market cycles, I would sort of say, for you as well. Like, yes, it's not too far off, but every seven years or so, the market tends to grow for a few years, and then there's some sort of event that makes it crash. COVID, GFC, war in Iran. And if you repeat that, let's say, fourteen years from now, you've got almost one market cycle to get as much growth as possible. You'd probably don't wanna be high risk at the age of 62 and lose half your super to a stock market crash just before retirement. Do you know what I mean? So it's like we can grow it for one cycle and then slowly reduce the risk for the second cycle, and that could look like going from 90 to a 100% in growth assets like shares and property, and then gradually trim that down the last seven years, eighty, seventy, 60, 40%, and then there's your pension account in your sixties to live off. Okay? So as long as you're okay to go kind of ride through the waves a little bit, use your contributions from work as a bit of a a buy in, bit of a buying opportunity whenever there's a dip, that would be the growth cycle that we're trying to do. Perfect. Perfect. So I'm just having a look at the Netwealth account now. Have you do you log in every every now and then? Or No. It's okay. There's a lot of people that tend to watch it daily and panic themselves every time there's a news article and their super fund shoots up and down a few thousand dollars. So I wouldn't go too crazy with it, but a bit of visibility is always nice. Now when it comes to the options that you've got, do you recall anything about what you're invested in, risk levels, that kind of thing? No. That's okay. Yeah. Pretty much everything you've got is a split between international shares, Australian shares, and gold, which is your alternative. That's your sort of high growth mix at the moment. Yeah. There's definitely a few companies in there benefiting from that, but, yeah, a bit of crude oil would be nice to track that price. Absolutely. Most of the options have done fantastic. Out of the you've got five, six, seven, eight main options. Seven of them have gone up double digits. So high growth, you're aiming for about 10% or above as an average long term return. You've got gold up 25. Europe's up 14. Japan's up 21%. Thank you, Japan, for coming back the last couple of years, and your international shares have gone up 11% as well. So that's all doing good. There was a change that we made to your portfolio. Did you receive an email from us in the last couple of months? Do you remember seeing an email from us? That's okay. I'll kind of explain what change we made. Normally, when we go through reviews, we go through all of your options, make sure they're all performing well. If there's three or four of them that are doing badly, we need to rebalance your whole portfolio. If it's just one, we tend to track it for a while, and we may do some advice to switch it out if we need to. What happened in this case was something a little bit more extreme than that. So your Australian shares option, one of them, had kind of shot off downwards away from the rest of the pack and away from the Australian market. So it just started going down, and it wasn't bouncing back in amongst everybody else. So on a licensee level, our investment committee made the decision to do a sweeping change across all client accounts rather than wait for us to go through the review, wait for us to update the advice because it was kind of that extreme of a situation. So what happened was that was dropping at about 11% even though most Aussie funds were up a couple of percent for the year. And we've since sold out of that pretty recently for you into just a standard a 200 ETF, so much, much lower fees, and it's already bounced back three or 4%. So as far as my view of it, you're still hitting those long term average returns. You're still up a few percent a year even though the stock market's been plummeting. All of the options have now been kind of fixed, and they're all performing the way they should be. So the only real changes we could consider is, a, putting more contributions in, but, again, cash flow is a bit tight for you at the moment, or changing risk level. So I do just need to double check that you're okay for that sort of high growth approach still. Yep. Now this may help you a little bit, and I'm not trying to kind of steer you in either direction. But if we're trying to get as much growth out of it as possible, we kind of need to stay high growth and average out the returns until you're closer as long as you're comfortable that it bounces between, oh, what is it, a hundred and hundred and twenty one thousand now. So a high growth could go down to, like, 90,000 and be one seventy the next year. Yeah. And we can always change it again. The way I would kind of describe the current situation is like, imagine if you bought that investment property. You've got the value of it's sitting at 800,000. If that went down to 600,000, would that be a flag for you to rush off and sell it and crystallize that loss, or would you say, oh, that's a buying opportunity. I'll grab two more if you can afford to do so. Yeah. So what we're doing with your contributions is we're just gradually buying all of these companies, gold properties, and so on. And then when the market bounces back, you get that nice big return on the way up, which could be ten, twenty, 30% up. Okay? Outside of that, the insurance is coming out of the account as well. Do you recall your Neos policy? Yep. That's what I wanted to run by you. $523,006.82 of life insurance and total disability. So it's just about half a mil plus your your super. So that pretty much covers your mortgage plus another couple 100,000 and your super on top. Now premium wise, it's actually not too bad considering 49 turning 50. It's sitting at 20 200. It goes down to $1.08 $9.03 after a 15% rebate because all of those premiums inside Super, they get a tax rebate. That brings it down a little bit. We do have to keep an eye on that because it will increase every year and through the fifties. If you close your eyes for seven years, it would be six grand before you know it. So the main thing is as you pay down that mortgage is we will have to trim it down gradually as well. It wouldn't have too big of a a difference unless you wanted to literally just chop it in half and just make it just in line with your mortgage value, and then that would obviously reduce it by about 45%, save you a thousand bucks. So it really depends on okay. Let's say you can never work again. Do you want the mortgage cleared off plus a couple of $100 to supplement lost income up until retirement? Because that'll cover you for about five, six years of lost income, or do you just wanna clear the debt and let your partner's income cover it? Okay. That might be the the trick afterwards because you've got policy anniversary in July, and the the figures will change around then as well. Are you okay for me to pencil you in for a catch up around July? That way, once we've got the anniversary premiums, if we need to alter it, it's prorated. So let's say they take that yearly premium out and we chop it in half and it's only been two days, they'll refund, like, 99% of it. Cool. With your occupation change, I'm just wondering if that affects pricing. Medical receptionist, pharmacy assistant. No. I think that would be pretty similar in risk level. If they bump you up to a manager or something like that, you could potentially get a cheaper premium that way as well. Cool. There's no income protection or trauma insurance, I'm assuming. I mean, with the casual income, your partner's income is the main one to insure. Would you agree? Yep. And I'm assuming you probably don't want another $5 worth of premiums for some income protection at the moment. Oh, That's, yeah, that's a bit painful. My main job is to say, hey. You could have these four insurances. Are they appropriate? Yes or no? For you, life and TPD is. Income protection, not so much. And it's up to you whether you feel like you can afford to get some trauma insurance out of pocket for heart attack, stroke, and cancer. You can't fund it through your super. If you have a heart attack, do you rely on your partner in the public health system, or would you like insurance for that? I would say for a standard 100,000 worth of cover, it would probably be around 100 to 200 a month. Yeah. Yeah. No. Totally fine. I am guided by you. That is perfect. The last thing I was gonna check was just in terms of beneficiaries. I might have to dig into the accounts a bit deeper. The certificate of currency for Nios doesn't actually tell me who's listed on there. I'm assuming you still want your partner to receive the super and the life insurance. Is that right? Perfect. Perfect. So what I'll do is straight after this call, I will send you a message once I've logged in to both accounts just to double check that that's all up to date. If not, we can send you the forms. Perfect. Perfect. Perfect. Now that was a bit of info to throw at you, Nicola, but do you have any questions so far? Okay. Are you happy with how everything's going so far since you've been a client? Because you've been a client with us for for quite a while. Yep. That's super fun that just sits in the background. Yeah. Yeah. Absolutely. My the fun thing for me is just kind of seeing people go through each life stage and kind of being alongside that. So, you know, there's some people who have a couple of teenagers and they're investing so they can help with the house deposit. We get to be there when they retire and have their pension accounts go on their first holiday. It's it's pretty fun. It's rewarding. Yeah. And sometimes that can be the biggest help for us. People just kind of they just go through life and life skips by really quickly and not taking a time to just kind of pause, talk about it, look at a few things, and try something. And sometimes that can be enough to just kind of pivot the direction in the right path, if that makes sense. Awesome. Now with that pack that I've sent you through, it contains a number of documents that are kind of attachments as well as a link as well. So attached, we've got updated financial services guide. That's like our licensing details, complaints procedure, what we can advise on. You've got a bit of a Vanguard chart, which just talks about the history of the markets for a bit of a long term view, your certificate of currency for the insurance, your performance for the net wealth, and an overview services guide as well. Now I do have to ask the all important question. Are you comfortable for us to remain your advisers for the next twelve months? Perfect. We do have to get your consent on a yearly basis to remain on the accounts. So included in the little blue link is a service agreement, and that has 1.65% of the fees. That's been included in the returns. So, again, net returns after fees. And once you hit 600,000 in your balance, which is the ideal target to get everyone up to that million mark, it does cap when you're at 600,000. K? Now it may seem like you may never get there, but it you'd be surprised what can happen in those later years where you go from $2.50, 300, and all of a sudden, seven years later, you're sitting at $506,100. So it can really compound those last ten years or so. Okay? I'm just gonna double check if there was anything else in that pack because we've just been updating some details in the new system. So please just bear with me for one quick moment. Yes. There is a tax file number opt in form. So with all the cybersecurity issues of last year, we don't wanna hold your all important tax file number in a bunch of digital So this is just a form to say, hey. Are you comfortable for us to hold it on this one document instead? Because it is such an important identifier for you. Cool. Do you have any questions for me before I let you go? Awesome. I if you could, please, that'd be fantastic, and I will link in with the team to book you in around July. I'm actually going on paternity leave. Got a daughter coming in June. Thank you. Number three. So I don't know why we went to do that, but, you know, it'll be fun later down the line, I'm sure. And I should be back towards the June. So as soon as I'm back, I'll get the team to reach out and try and find a time with you. Awesome. If anything pops up in between, please just give us a call. Awesome, Nicola. Thank you so much for your time. Anything else I can do? Cool. When you go through to the end, there'll be a pop up if you wanna download a signed copy for your records. Awesome, Nicola. Have a fantastic day, and we'll talk soon. Thank you. Bye.","confidence":1.0,"words":[{"word":"good","start":3.84,"end":4.08,"confidence":0.99902344,"punctuated_word":"Good","sentiment":"neutral","sentiment_score":0.24098679423332217},{"word":"afternoon","start":4.08,"end":4.48,"confidence":0.9975586,"punctuated_word":"afternoon,","sentiment":"neutral","sentiment_score":0.2889251112937927},{"word":"nicola","start":4.48,"end":4.7999997,"confidence":0.8918457,"punctuated_word":"Nicola.","sentiment":"neutral","sentiment_score":0.2947083115577698},{"word":"it's","start":4.7999997,"end":5.04,"confidence":0.99853516,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.23020951449871063},{"word":"tommy","start":5.04,"end":5.3599997,"confidence":0.96972656,"punctuated_word":"Tommy","sentiment":"neutral","sentiment_score":0.1707349419593811},{"word":"here","start":5.3599997,"end":5.6,"confidence":0.97265625,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.17484888434410095},{"word":"senior","start":5.6,"end":5.92,"confidence":0.9941406,"punctuated_word":"senior","sentiment":"neutral","sentiment_score":0.13936160504817963},{"word":"adviser","start":5.92,"end":6.3199997,"confidence":0.9560547,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":0.15655434131622314},{"word":"from","start":6.3199997,"end":6.48,"confidence":0.97802734,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.1970890760421753},{"word":"oakview","start":6.48,"end":6.8799996,"confidence":0.80940753,"punctuated_word":"Oakview.","sentiment":"neutral","sentiment_score":0.15050160884857178},{"word":"how","start":6.8799996,"end":7.04,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.1629064828157425},{"word":"are","start":7.04,"end":7.12,"confidence":0.6191406,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1622241586446762},{"word":"you","start":7.12,"end":7.2,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15318293869495392},{"word":"doing","start":7.2,"end":7.7,"confidence":1.0,"punctuated_word":"doing?","sentiment":"neutral","sentiment_score":0.15847688913345337},{"word":"i'm","start":9.599999,"end":9.84,"confidence":0.9946289,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.6471961736679077},{"word":"doing","start":9.84,"end":10.08,"confidence":0.99902344,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.7421463131904602},{"word":"fantastic","start":10.08,"end":10.58,"confidence":1.0,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.7948209643363953},{"word":"it's","start":10.719999,"end":10.96,"confidence":1.0,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.6985986232757568},{"word":"a","start":10.96,"end":11.12,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6948769092559814},{"word":"beautiful","start":11.12,"end":11.62,"confidence":1.0,"punctuated_word":"beautiful","sentiment":"positive","sentiment_score":0.6945345997810364},{"word":"cool","start":11.679999,"end":11.92,"confidence":0.9223633,"punctuated_word":"cool","sentiment":"positive","sentiment_score":0.6819958090782166},{"word":"down","start":11.92,"end":12.16,"confidence":0.93408203,"punctuated_word":"down","sentiment":"positive","sentiment_score":0.6141029596328735},{"word":"the","start":12.16,"end":12.32,"confidence":0.5649414,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6530888676643372},{"word":"gold","start":12.32,"end":12.559999,"confidence":0.9790039,"punctuated_word":"Gold","sentiment":"positive","sentiment_score":0.671249508857727},{"word":"coast","start":12.559999,"end":12.799999,"confidence":1.0,"punctuated_word":"Coast.","sentiment":"positive","sentiment_score":0.6379500031471252},{"word":"what","start":12.799999,"end":12.96,"confidence":1.0,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.102002814412117},{"word":"about","start":12.96,"end":13.2,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.05473325774073601},{"word":"your","start":13.2,"end":13.44,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05374567583203316},{"word":"end","start":13.44,"end":13.815,"confidence":0.9995117,"punctuated_word":"end?","sentiment":"neutral","sentiment_score":0.1484689712524414},{"word":"oof","start":17.895,"end":18.215,"confidence":0.8225911,"punctuated_word":"Oof.","sentiment":"neutral","sentiment_score":0.06446116417646408},{"word":"not","start":18.215,"end":18.455,"confidence":1.0,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.08874312043190002},{"word":"too","start":18.455,"end":18.615,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.04930808395147323},{"word":"bad","start":18.615,"end":19.115,"confidence":0.9980469,"punctuated_word":"bad.","sentiment":"neutral","sentiment_score":0.06641854345798492},{"word":"bit","start":19.574999,"end":19.735,"confidence":0.73339844,"punctuated_word":"Bit","sentiment":"neutral","sentiment_score":-0.0033589862287044525},{"word":"of","start":19.735,"end":19.814999,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.000747188925743103},{"word":"a","start":19.814999,"end":19.895,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01507208775728941},{"word":"beach","start":19.895,"end":20.215,"confidence":0.99902344,"punctuated_word":"beach","sentiment":"neutral","sentiment_score":0.019343486055731773},{"word":"weather","start":20.215,"end":20.455,"confidence":0.9980469,"punctuated_word":"weather","sentiment":"neutral","sentiment_score":0.024769127368927},{"word":"all","start":20.455,"end":20.615,"confidence":0.9902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.01021154597401619},{"word":"of","start":20.615,"end":20.695,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0013233982026576996},{"word":"a","start":20.695,"end":20.775,"confidence":0.9873047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.012865589000284672},{"word":"sudden","start":20.775,"end":21.275,"confidence":0.9980469,"punctuated_word":"sudden.","sentiment":"neutral","sentiment_score":0.03529907017946243},{"word":"awesome","start":23.255,"end":23.654999,"confidence":0.99902344,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.3774155378341675},{"word":"i've","start":23.654999,"end":23.814999,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.18625828623771667},{"word":"got","start":23.814999,"end":23.974998,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1313236802816391},{"word":"you","start":23.974998,"end":24.215,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09615820646286012},{"word":"booked","start":24.215,"end":24.454998,"confidence":1.0,"punctuated_word":"booked","sentiment":"neutral","sentiment_score":0.1495959609746933},{"word":"in","start":24.454998,"end":24.615,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13596630096435547},{"word":"to","start":24.615,"end":24.775,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1455727070569992},{"word":"go","start":24.775,"end":24.935,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.17495375871658325},{"word":"through","start":24.935,"end":25.175,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.23382826149463656},{"word":"a","start":25.175,"end":25.335,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16978532075881958},{"word":"bit","start":25.335,"end":25.494999,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.13888421654701233},{"word":"of","start":25.494999,"end":25.574999,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20037078857421875},{"word":"an","start":25.574999,"end":25.735,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.17342667281627655},{"word":"annual","start":25.735,"end":26.055,"confidence":1.0,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.175088569521904},{"word":"review","start":26.055,"end":26.294998,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.15278448164463043},{"word":"if","start":26.294998,"end":26.375,"confidence":0.77001953,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1001330018043518},{"word":"you","start":26.375,"end":26.454998,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10424861311912537},{"word":"still","start":26.454998,"end":26.695,"confidence":0.99609375,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.08533185720443726},{"word":"have","start":26.695,"end":26.855,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.098220095038414},{"word":"time","start":26.855,"end":27.095,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.13240177929401398},{"word":"for","start":27.095,"end":27.255,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14427290856838226},{"word":"me","start":27.255,"end":27.63,"confidence":0.982666,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.16124829649925232},{"word":"fantastic","start":29.07,"end":29.57,"confidence":0.98657227,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.3869110941886902},{"word":"now","start":29.789999,"end":30.109999,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.11354634910821916},{"word":"before","start":30.109999,"end":30.349998,"confidence":0.9970703,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.07886318862438202},{"word":"i","start":30.349998,"end":30.429998,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11925005167722702},{"word":"get","start":30.429998,"end":30.59,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.09685178846120834},{"word":"started","start":30.59,"end":31.07,"confidence":0.99560547,"punctuated_word":"started,","sentiment":"neutral","sentiment_score":0.11342182010412216},{"word":"usual","start":31.07,"end":31.55,"confidence":0.9941406,"punctuated_word":"usual","sentiment":"neutral","sentiment_score":0.054213039577007294},{"word":"security","start":31.55,"end":32.03,"confidence":1.0,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.032308921217918396},{"word":"process","start":32.03,"end":32.43,"confidence":0.81811523,"punctuated_word":"process,","sentiment":"neutral","sentiment_score":0.0661015510559082},{"word":"are","start":32.43,"end":32.67,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.05497456341981888},{"word":"you","start":32.67,"end":32.829998,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07266077399253845},{"word":"okay","start":32.829998,"end":33.07,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.06166040524840355},{"word":"for","start":33.07,"end":33.23,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07579780369997025},{"word":"this","start":33.23,"end":33.39,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0718131959438324},{"word":"call","start":33.39,"end":33.71,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.0717369019985199},{"word":"to","start":33.71,"end":33.79,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07498437166213989},{"word":"be","start":33.79,"end":33.949997,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0841238796710968},{"word":"recorded","start":33.949997,"end":34.449997,"confidence":1.0,"punctuated_word":"recorded?","sentiment":"neutral","sentiment_score":0.08913742005825043},{"word":"amazing","start":35.949997,"end":36.449997,"confidence":0.9970703,"punctuated_word":"Amazing.","sentiment":"neutral","sentiment_score":0.20894627273082733},{"word":"and","start":36.67,"end":37.149998,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08039489388465881},{"word":"for","start":37.149998,"end":37.55,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08033241331577301},{"word":"security","start":37.55,"end":38.03,"confidence":0.9667969,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.09361263364553452},{"word":"of","start":38.03,"end":38.11,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13223537802696228},{"word":"your","start":38.11,"end":38.35,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1340259164571762},{"word":"information","start":38.35,"end":38.85,"confidence":0.9995117,"punctuated_word":"information,","sentiment":"neutral","sentiment_score":0.1148359477519989},{"word":"i'm","start":38.91,"end":39.149998,"confidence":0.9536133,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.08883356302976608},{"word":"registered","start":39.149998,"end":39.629997,"confidence":1.0,"punctuated_word":"registered","sentiment":"neutral","sentiment_score":0.09656374901533128},{"word":"with","start":39.629997,"end":39.949997,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.12397321313619614},{"word":"asic","start":39.949997,"end":40.269997,"confidence":0.8413086,"punctuated_word":"ASIC","sentiment":"neutral","sentiment_score":0.12767177820205688},{"word":"as","start":40.269997,"end":40.43,"confidence":0.99121094,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11255762726068495},{"word":"adviser","start":40.43,"end":40.93,"confidence":0.96777344,"punctuated_word":"Adviser","sentiment":"neutral","sentiment_score":0.09684201329946518},{"word":"1273105","start":40.989998,"end":43.715,"confidence":0.99748886,"punctuated_word":"1273105.","sentiment":"neutral","sentiment_score":0.1143798679113388},{"word":"are","start":43.855,"end":44.015,"confidence":1.0,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.044985778629779816},{"word":"you","start":44.015,"end":44.255,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05755319446325302},{"word":"okay","start":44.255,"end":44.495,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.050944734364748},{"word":"to","start":44.495,"end":44.655,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07599157840013504},{"word":"confirm","start":44.655,"end":45.155,"confidence":1.0,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.06682304292917252},{"word":"your","start":45.215,"end":45.454998,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.053637128323316574},{"word":"date","start":45.454998,"end":45.614998,"confidence":1.0,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.06403949111700058},{"word":"of","start":45.614998,"end":45.695,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06791634857654572},{"word":"birth","start":45.695,"end":45.934998,"confidence":1.0,"punctuated_word":"birth","sentiment":"neutral","sentiment_score":0.06496322900056839},{"word":"and","start":45.934998,"end":46.095,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07228759676218033},{"word":"address","start":46.095,"end":46.495,"confidence":0.99902344,"punctuated_word":"address,","sentiment":"neutral","sentiment_score":0.0628802701830864},{"word":"please","start":46.495,"end":46.995,"confidence":1.0,"punctuated_word":"please?","sentiment":"neutral","sentiment_score":0.07591930776834488},{"word":"perfect","start":51.215,"end":51.715,"confidence":0.9975586,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.05631401389837265},{"word":"amazing","start":56.75,"end":57.23,"confidence":0.99853516,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.3935467004776001},{"word":"amazing","start":57.23,"end":57.629997,"confidence":1.0,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.45855286717414856},{"word":"thank","start":57.629997,"end":57.87,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5658806562423706},{"word":"you","start":57.87,"end":58.03,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5653432011604309},{"word":"so","start":58.03,"end":58.19,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.5530292391777039},{"word":"much","start":58.19,"end":58.35,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.6053489446640015},{"word":"for","start":58.35,"end":58.51,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6261680126190186},{"word":"that","start":58.51,"end":59.01,"confidence":1.0,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.5629280805587769},{"word":"i","start":59.149998,"end":59.469997,"confidence":0.99902344,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4138432443141937},{"word":"have","start":59.469997,"end":59.87,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3670797348022461},{"word":"your","start":59.87,"end":60.269997,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2984827756881714},{"word":"gmail","start":60.269997,"end":60.769997,"confidence":0.99902344,"punctuated_word":"Gmail","sentiment":"positive","sentiment_score":0.3449226915836334},{"word":"account","start":60.829998,"end":61.23,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.2655220329761505},{"word":"ready","start":61.23,"end":61.55,"confidence":1.0,"punctuated_word":"ready","sentiment":"neutral","sentiment_score":0.2970055639743805},{"word":"to","start":61.55,"end":61.629997,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2781698703765869},{"word":"go","start":61.629997,"end":61.949997,"confidence":1.0,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.34597480297088623},{"word":"to","start":61.949997,"end":62.03,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3413228690624237},{"word":"send","start":62.03,"end":62.35,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.3006257712841034},{"word":"through","start":62.35,"end":62.589996,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.3303603231906891},{"word":"this","start":62.589996,"end":62.829998,"confidence":1.0,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.35152667760849},{"word":"annual","start":62.829998,"end":63.23,"confidence":0.9970703,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.28194087743759155},{"word":"review","start":63.23,"end":63.469997,"confidence":0.99902344,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.2333601862192154},{"word":"pack","start":63.469997,"end":63.71,"confidence":0.9970703,"punctuated_word":"pack.","sentiment":"neutral","sentiment_score":0.27196425199508667},{"word":"is","start":63.71,"end":63.87,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.15409383177757263},{"word":"that","start":63.87,"end":64.03,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1955116093158722},{"word":"still","start":64.03,"end":64.27,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.13776198029518127},{"word":"okay","start":64.27,"end":64.77,"confidence":1.0,"punctuated_word":"okay?","sentiment":"neutral","sentiment_score":0.15168339014053345},{"word":"awesome","start":66.284996,"end":66.765,"confidence":0.99853516,"punctuated_word":"Awesome.","sentiment":"neutral","sentiment_score":0.23024716973304749},{"word":"so","start":66.765,"end":66.924995,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13704654574394226},{"word":"i'm","start":66.924995,"end":67.085,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.14495491981506348},{"word":"gonna","start":67.085,"end":67.325,"confidence":0.9550781,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.17115919291973114},{"word":"pop","start":67.325,"end":67.564995,"confidence":0.99902344,"punctuated_word":"pop","sentiment":"neutral","sentiment_score":0.14414310455322266},{"word":"that","start":67.564995,"end":67.725,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13630621135234833},{"word":"through","start":67.725,"end":67.965,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.13689099252223969},{"word":"to","start":67.965,"end":68.045,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14427046477794647},{"word":"you","start":68.045,"end":68.205,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1380561739206314},{"word":"now","start":68.205,"end":68.445,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.1477472484111786},{"word":"with","start":68.445,"end":68.845,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1681164801120758},{"word":"a","start":68.845,"end":68.924995,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14586572349071503},{"word":"number","start":68.924995,"end":69.244995,"confidence":1.0,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.1357320100069046},{"word":"of","start":69.244995,"end":69.485,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13686466217041016},{"word":"usual","start":69.485,"end":69.985,"confidence":1.0,"punctuated_word":"usual","sentiment":"neutral","sentiment_score":0.12738409638404846},{"word":"attachments","start":70.205,"end":70.705,"confidence":1.0,"punctuated_word":"attachments","sentiment":"neutral","sentiment_score":0.12617246806621552},{"word":"there","start":71.085,"end":71.325,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.14781151711940765},{"word":"as","start":71.325,"end":71.485,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1373005509376526},{"word":"well","start":71.485,"end":71.985,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.11208561807870863},{"word":"will","start":72.845,"end":73.085,"confidence":0.63427734,"punctuated_word":"Will","sentiment":"neutral","sentiment_score":0.018798481673002243},{"word":"you","start":73.085,"end":73.325,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.027179311960935593},{"word":"have","start":73.325,"end":73.564995,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.024425720795989037},{"word":"time","start":73.564995,"end":73.805,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.027871601283550262},{"word":"to","start":73.805,"end":73.884995,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02452108822762966},{"word":"look","start":73.884995,"end":74.125,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.027492769062519073},{"word":"onto","start":74.125,"end":74.365,"confidence":0.50683594,"punctuated_word":"onto","sentiment":"neutral","sentiment_score":0.02564735896885395},{"word":"these","start":74.365,"end":74.604996,"confidence":0.9951172,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.031352926045656204},{"word":"documents","start":74.604996,"end":75.005,"confidence":1.0,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.026477495208382607},{"word":"with","start":75.005,"end":75.244995,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03221740573644638},{"word":"me","start":75.244995,"end":75.325,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.04993296414613724},{"word":"today","start":75.325,"end":75.645,"confidence":0.95458984,"punctuated_word":"today,","sentiment":"neutral","sentiment_score":0.038968414068222046},{"word":"or","start":75.645,"end":75.805,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.039507973939180374},{"word":"should","start":75.805,"end":75.965,"confidence":0.95410156,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.03277714550495148},{"word":"i","start":75.965,"end":76.045,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0531870573759079},{"word":"just","start":76.045,"end":76.205,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05215694010257721},{"word":"kind","start":76.205,"end":76.445,"confidence":0.9819336,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.054958853870630264},{"word":"of","start":76.445,"end":76.524994,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.057057347148656845},{"word":"walk","start":76.524994,"end":76.685,"confidence":1.0,"punctuated_word":"walk","sentiment":"neutral","sentiment_score":0.06671124696731567},{"word":"you","start":76.685,"end":76.845,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04183283448219299},{"word":"through","start":76.845,"end":77.085,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.05309636518359184},{"word":"what's","start":77.085,"end":77.325,"confidence":0.9995117,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.028803367167711254},{"word":"there","start":77.325,"end":77.825,"confidence":0.9970703,"punctuated_word":"there?","sentiment":"neutral","sentiment_score":0.029618605971336365},{"word":"oh","start":82.22,"end":82.46,"confidence":0.9567871,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.02769044041633606},{"word":"that","start":82.46,"end":82.7,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.026979628950357437},{"word":"should","start":82.7,"end":82.86,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.03555776923894882},{"word":"be","start":82.86,"end":83.02,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.01672242395579815},{"word":"plenty","start":83.02,"end":83.34,"confidence":1.0,"punctuated_word":"plenty","sentiment":"neutral","sentiment_score":0.01678607054054737},{"word":"of","start":83.34,"end":83.5,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.012389840558171272},{"word":"time","start":83.5,"end":84.0,"confidence":1.0,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.01891983300447464},{"word":"yes","start":88.06,"end":88.38,"confidence":0.9980469,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.01628326252102852},{"word":"i","start":88.38,"end":88.46,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.016094878315925598},{"word":"can","start":88.46,"end":88.619995,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.01561457384377718},{"word":"hear","start":88.619995,"end":88.78,"confidence":1.0,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":0.01069831382483244},{"word":"you","start":88.78,"end":88.939995,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07223615795373917},{"word":"perfectly","start":88.939995,"end":89.34,"confidence":1.0,"punctuated_word":"perfectly.","sentiment":"neutral","sentiment_score":0.08403265476226807},{"word":"what","start":89.34,"end":89.579994,"confidence":1.0,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.0023629888892173767},{"word":"about","start":89.579994,"end":89.82,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0002811010926961899},{"word":"my","start":89.82,"end":89.979996,"confidence":0.9941406,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.00037473998963832855},{"word":"end","start":89.979996,"end":90.405,"confidence":0.9995117,"punctuated_word":"end?","sentiment":"neutral","sentiment_score":0.009751087054610252},{"word":"amazing","start":92.645,"end":93.145,"confidence":0.99853516,"punctuated_word":"Amazing.","sentiment":"neutral","sentiment_score":0.29216468334198},{"word":"alright","start":95.365,"end":95.765,"confidence":0.99853516,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.09299933910369872},{"word":"so","start":95.765,"end":95.924995,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07228094339370728},{"word":"that","start":95.924995,"end":96.244995,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0945962592959404},{"word":"should","start":96.244995,"end":96.485,"confidence":0.6699219,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.12971484661102295},{"word":"come","start":96.485,"end":96.645,"confidence":0.99902344,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.09872092306613922},{"word":"through","start":96.645,"end":96.885,"confidence":0.9995117,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.0980762392282486},{"word":"we","start":96.885,"end":97.045,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.051358215510845184},{"word":"do","start":97.045,"end":97.205,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06412643194198608},{"word":"have","start":97.205,"end":97.445,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.054463792592287064},{"word":"a","start":97.445,"end":97.525,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04890360310673714},{"word":"bit","start":97.525,"end":97.685,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.05153461918234825},{"word":"of","start":97.685,"end":97.765,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0546238049864769},{"word":"a","start":97.765,"end":97.845,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05182632431387901},{"word":"new","start":97.845,"end":98.085,"confidence":0.99902344,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.0673229768872261},{"word":"system","start":98.085,"end":98.485,"confidence":1.0,"punctuated_word":"system","sentiment":"neutral","sentiment_score":0.0695040225982666},{"word":"this","start":98.485,"end":98.725,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.06892915070056915},{"word":"year","start":98.725,"end":98.965,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.08078749477863312},{"word":"with","start":98.965,"end":99.365,"confidence":0.98828125,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0971829891204834},{"word":"odoo","start":99.365,"end":99.865,"confidence":0.9156901,"punctuated_word":"Odoo,","sentiment":"neutral","sentiment_score":0.0807838886976242},{"word":"sort","start":100.005,"end":100.165,"confidence":0.9980469,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.08355659246444702},{"word":"of","start":100.165,"end":100.325,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09223473817110062},{"word":"custom","start":100.325,"end":100.725,"confidence":0.9951172,"punctuated_word":"custom","sentiment":"neutral","sentiment_score":0.09954918175935744},{"word":"built","start":100.725,"end":100.965,"confidence":0.99121094,"punctuated_word":"built","sentiment":"neutral","sentiment_score":0.1346208155155182},{"word":"for","start":100.965,"end":101.125,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09886886924505234},{"word":"us","start":101.125,"end":101.365,"confidence":0.80981445,"punctuated_word":"us.","sentiment":"neutral","sentiment_score":0.05544055998325348},{"word":"that","start":101.365,"end":101.685,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.022057710215449333},{"word":"may","start":101.685,"end":101.924995,"confidence":1.0,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.010952381417155266},{"word":"go","start":101.924995,"end":102.244995,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.02581518702208996},{"word":"through","start":102.244995,"end":102.744995,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.03871376812458038},{"word":"to","start":102.884995,"end":103.045,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.024076644331216812},{"word":"your","start":103.045,"end":103.284996,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.030069148167967796},{"word":"spam","start":103.284996,"end":103.604996,"confidence":0.9980469,"punctuated_word":"spam","sentiment":"neutral","sentiment_score":0.03192714601755142},{"word":"box","start":103.604996,"end":103.845,"confidence":0.9951172,"punctuated_word":"box","sentiment":"neutral","sentiment_score":0.029314232990145683},{"word":"on","start":103.845,"end":104.005,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.025830691680312157},{"word":"the","start":104.005,"end":104.244995,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03509961813688278},{"word":"first","start":104.244995,"end":104.565,"confidence":1.0,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.03785954415798187},{"word":"attempt","start":104.565,"end":105.065,"confidence":1.0,"punctuated_word":"attempt","sentiment":"neutral","sentiment_score":0.028488000854849815},{"word":"until","start":105.72,"end":106.04,"confidence":0.99902344,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.013293592259287834},{"word":"it's","start":106.04,"end":106.28,"confidence":0.9980469,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.02718823030591011},{"word":"all","start":106.28,"end":106.439995,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.023998074233531952},{"word":"kind","start":106.439995,"end":106.759995,"confidence":0.9921875,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.011620443314313889},{"word":"of","start":106.759995,"end":106.92,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.020188868045806885},{"word":"cleared","start":106.92,"end":107.24,"confidence":0.91748047,"punctuated_word":"cleared","sentiment":"neutral","sentiment_score":0.03593352437019348},{"word":"through","start":107.24,"end":107.74,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.03359488770365715},{"word":"spam","start":107.799995,"end":108.2,"confidence":1.0,"punctuated_word":"spam","sentiment":"neutral","sentiment_score":0.027050906792283055},{"word":"filters","start":108.2,"end":108.6,"confidence":1.0,"punctuated_word":"filters","sentiment":"neutral","sentiment_score":0.04151951149106026},{"word":"and","start":108.6,"end":108.759995,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.016452983021736145},{"word":"so","start":108.759995,"end":108.92,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.021599316969513893},{"word":"on","start":108.92,"end":109.159996,"confidence":0.8859863,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":0.014734785072505474},{"word":"or","start":109.159996,"end":109.32,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.011519977822899818},{"word":"it","start":109.32,"end":109.479996,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04069552570581436},{"word":"may","start":109.479996,"end":109.64,"confidence":1.0,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.003078961744904518},{"word":"go","start":109.64,"end":109.799995,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.01740105077624321},{"word":"straight","start":109.799995,"end":110.119995,"confidence":1.0,"punctuated_word":"straight","sentiment":"neutral","sentiment_score":0.020025912672281265},{"word":"to","start":110.119995,"end":110.28,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.018441852182149887},{"word":"the","start":110.28,"end":110.36,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03264471888542175},{"word":"main","start":110.36,"end":110.6,"confidence":0.99902344,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.02580812945961952},{"word":"inbox","start":110.6,"end":111.0,"confidence":0.9020996,"punctuated_word":"inbox.","sentiment":"neutral","sentiment_score":0.026462599635124207},{"word":"just","start":111.0,"end":111.24,"confidence":0.5805664,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.012788748368620872},{"word":"depends","start":111.24,"end":111.64,"confidence":1.0,"punctuated_word":"depends","sentiment":"neutral","sentiment_score":0.025589853525161743},{"word":"on","start":111.64,"end":112.14,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.028774645179510117},{"word":"gmail","start":112.36,"end":112.84,"confidence":0.99902344,"punctuated_word":"Gmail","sentiment":"neutral","sentiment_score":0.05081048980355263},{"word":"these","start":112.84,"end":113.0,"confidence":0.99902344,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.03091229498386383},{"word":"days","start":113.0,"end":113.5,"confidence":0.9995117,"punctuated_word":"days.","sentiment":"neutral","sentiment_score":0.0522100105881691},{"word":"awesome","start":115.96,"end":116.28,"confidence":0.9875488,"punctuated_word":"Awesome.","sentiment":"neutral","sentiment_score":0.3094288408756256},{"word":"awesome","start":116.28,"end":116.68,"confidence":1.0,"punctuated_word":"Awesome.","sentiment":"neutral","sentiment_score":0.1711522936820984},{"word":"so","start":116.68,"end":117.18,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.023231266066432},{"word":"before","start":117.735,"end":118.055,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.012929484248161316},{"word":"i","start":118.055,"end":118.295,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.013882704079151154},{"word":"dive","start":118.295,"end":118.534996,"confidence":1.0,"punctuated_word":"dive","sentiment":"neutral","sentiment_score":0.024056842550635334},{"word":"into","start":118.534996,"end":118.854996,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.029076488688588142},{"word":"your","start":118.854996,"end":119.174995,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.02070053294301033},{"word":"details","start":119.174995,"end":119.674995,"confidence":0.99853516,"punctuated_word":"details,","sentiment":"neutral","sentiment_score":0.012120489031076431},{"word":"is","start":119.814995,"end":120.055,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.010228541679680347},{"word":"there","start":120.055,"end":120.215,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.024160414934158325},{"word":"anything","start":120.215,"end":120.454994,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.025188110768795013},{"word":"in","start":120.454994,"end":120.695,"confidence":0.9921875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.007680801674723625},{"word":"particular","start":120.695,"end":121.195,"confidence":1.0,"punctuated_word":"particular","sentiment":"neutral","sentiment_score":0.01435478776693344},{"word":"you","start":121.335,"end":121.494995,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.016775459051132202},{"word":"would","start":121.494995,"end":121.655,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.02006353810429573},{"word":"like","start":121.655,"end":121.774994,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.0136937964707613},{"word":"to","start":121.774994,"end":121.895,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01823768764734268},{"word":"get","start":121.895,"end":122.055,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.018710128962993625},{"word":"out","start":122.055,"end":122.215,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.040157251060009},{"word":"of","start":122.215,"end":122.375,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.028419600799679756},{"word":"this","start":122.375,"end":122.534996,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.03033486381173134},{"word":"year's","start":122.534996,"end":122.774994,"confidence":0.9995117,"punctuated_word":"year's","sentiment":"neutral","sentiment_score":0.024971699342131615},{"word":"review","start":122.774994,"end":123.274994,"confidence":0.9995117,"punctuated_word":"review?","sentiment":"neutral","sentiment_score":0.03308308869600296},{"word":"amazing","start":129.255,"end":129.755,"confidence":0.94750977,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.7174702882766724},{"word":"oh","start":133.12999,"end":133.37,"confidence":0.99609375,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.15519995987415314},{"word":"no","start":133.37,"end":133.87,"confidence":1.0,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.3293280601501465},{"word":"okay","start":139.84999,"end":140.34999,"confidence":0.9980469,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.08507905900478363},{"word":"okay","start":146.66501,"end":147.16501,"confidence":0.99902344,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.014564691111445429},{"word":"yeah","start":174.455,"end":174.695,"confidence":0.94628906,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0213104784488678},{"word":"he","start":174.695,"end":174.93501,"confidence":0.9951172,"punctuated_word":"He","sentiment":"neutral","sentiment_score":0.020785802975296978},{"word":"would","start":174.93501,"end":175.175,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.012070946395397186},{"word":"have","start":175.175,"end":175.335,"confidence":0.7763672,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.011180508881807327},{"word":"just","start":175.335,"end":175.655,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.016766604036092758},{"word":"turned","start":175.655,"end":176.05501,"confidence":0.9301758,"punctuated_word":"turned,","sentiment":"neutral","sentiment_score":0.014985019341111183},{"word":"what","start":176.05501,"end":176.375,"confidence":0.98950195,"punctuated_word":"what,","sentiment":"neutral","sentiment_score":0.005050347186625004},{"word":"13","start":176.375,"end":176.85501,"confidence":0.99902344,"punctuated_word":"13","sentiment":"neutral","sentiment_score":0.01442270539700985},{"word":"this","start":176.85501,"end":177.095,"confidence":0.9951172,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0034378506243228912},{"word":"year","start":177.095,"end":177.595,"confidence":0.8125,"punctuated_word":"year?","sentiment":"neutral","sentiment_score":-0.00015844590961933136},{"word":"amazing","start":179.59001,"end":180.09001,"confidence":0.99316406,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.4141970574855805},{"word":"so","start":180.47,"end":180.97,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16357681155204773},{"word":"with","start":181.03,"end":181.35,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14622636139392853},{"word":"your","start":181.35,"end":181.55,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12763316929340365},{"word":"the","start":181.75,"end":181.91,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14338989555835724},{"word":"casual","start":181.91,"end":182.23001,"confidence":1.0,"punctuated_word":"casual","sentiment":"neutral","sentiment_score":0.1658351719379425},{"word":"employment","start":182.23001,"end":182.73001,"confidence":1.0,"punctuated_word":"employment,","sentiment":"neutral","sentiment_score":0.10053400695323944},{"word":"would","start":182.87001,"end":183.19,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.07850757241249084},{"word":"you","start":183.19,"end":183.43001,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09076028317213058},{"word":"potentially","start":183.43001,"end":183.93001,"confidence":0.99902344,"punctuated_word":"potentially","sentiment":"neutral","sentiment_score":0.11709072440862656},{"word":"have","start":184.07,"end":184.23001,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09220239520072936},{"word":"an","start":184.23001,"end":184.47,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.12334147840738297},{"word":"estimate","start":184.47,"end":184.97,"confidence":1.0,"punctuated_word":"estimate","sentiment":"neutral","sentiment_score":0.1125841736793518},{"word":"of","start":185.03,"end":185.19,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11524470150470734},{"word":"what","start":185.19,"end":185.35,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.12280606478452682},{"word":"your","start":185.35,"end":185.67,"confidence":0.98828125,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10739125311374664},{"word":"yearly","start":185.67,"end":186.15001,"confidence":0.9790039,"punctuated_word":"yearly","sentiment":"neutral","sentiment_score":0.10721591860055923},{"word":"income","start":186.15001,"end":186.55,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.105192668735981},{"word":"looks","start":186.55,"end":186.79001,"confidence":0.99609375,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.05460385978221893},{"word":"like","start":186.79001,"end":186.95001,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.08492076396942139},{"word":"now","start":186.95001,"end":187.45001,"confidence":0.99853516,"punctuated_word":"now?","sentiment":"neutral","sentiment_score":0.04799541458487511},{"word":"yeah","start":213.54001,"end":214.035,"confidence":0.9765625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0671510398387909},{"word":"well","start":220.675,"end":220.91501,"confidence":0.8791504,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.0175830889493227},{"word":"even","start":220.91501,"end":221.315,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.00866604596376419},{"word":"so","start":221.315,"end":221.63501,"confidence":0.95288086,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":-0.006925487890839577},{"word":"like","start":221.63501,"end":221.875,"confidence":0.99316406,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.013691073283553123},{"word":"if","start":221.875,"end":222.035,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.027091801166534424},{"word":"i","start":222.035,"end":222.535,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.020713256672024727},{"word":"divided","start":222.675,"end":223.075,"confidence":0.9760742,"punctuated_word":"divided","sentiment":"neutral","sentiment_score":0.015197671949863434},{"word":"that","start":223.075,"end":223.315,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01915830001235008},{"word":"by","start":223.315,"end":223.475,"confidence":0.99902344,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.008008100092411041},{"word":"the","start":223.475,"end":223.63501,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02150113508105278},{"word":"seven","start":223.63501,"end":223.955,"confidence":1.0,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":0.00004451721906661987},{"word":"months","start":223.955,"end":224.35501,"confidence":1.0,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.0051925890147686005},{"word":"and","start":224.35501,"end":224.835,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0148072000592947},{"word":"extrapolated","start":224.835,"end":225.335,"confidence":0.9995117,"punctuated_word":"extrapolated","sentiment":"neutral","sentiment_score":0.027080118656158447},{"word":"that","start":225.55501,"end":225.795,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02585601806640625},{"word":"ad","start":225.795,"end":225.955,"confidence":0.44262695,"punctuated_word":"ad","sentiment":"neutral","sentiment_score":0.02303454838693142},{"word":"annually","start":225.955,"end":226.435,"confidence":0.9970703,"punctuated_word":"annually,","sentiment":"neutral","sentiment_score":0.01484418287873268},{"word":"you're","start":226.435,"end":226.595,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.02410232648253441},{"word":"still","start":226.595,"end":226.91501,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.02274688705801964},{"word":"getting","start":226.91501,"end":227.235,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.01390901580452919},{"word":"around","start":227.235,"end":227.735,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.018195632845163345},{"word":"27","start":227.82,"end":228.94,"confidence":0.9933106,"punctuated_word":"27,","sentiment":"neutral","sentiment_score":0.026187852025032043},{"word":"which","start":228.94,"end":229.18001,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.015351489186286926},{"word":"is","start":229.18001,"end":229.34001,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.013938404619693756},{"word":"creeping","start":229.34001,"end":229.74,"confidence":0.99902344,"punctuated_word":"creeping","sentiment":"neutral","sentiment_score":-0.010568056255578996},{"word":"close","start":229.74,"end":230.06001,"confidence":1.0,"punctuated_word":"close","sentiment":"neutral","sentiment_score":-0.006627485156059265},{"word":"to","start":230.06001,"end":230.14001,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.009927518665790558},{"word":"the","start":230.14001,"end":230.38,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01299690082669258},{"word":"30","start":230.38,"end":230.88,"confidence":0.99902344,"punctuated_word":"30","sentiment":"neutral","sentiment_score":0.009180191904306412},{"word":"we","start":230.94,"end":231.18001,"confidence":0.9506836,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.02021331898868084},{"word":"had","start":231.18001,"end":231.34001,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.002251116558909416},{"word":"you","start":231.34001,"end":231.58,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.003866121172904968},{"word":"on","start":231.58,"end":231.82,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.0060560740530490875},{"word":"as","start":231.82,"end":231.98001,"confidence":0.9790039,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.007289115339517593},{"word":"part","start":231.98001,"end":232.3,"confidence":0.9980469,"punctuated_word":"part","sentiment":"neutral","sentiment_score":-0.0030320677906274796},{"word":"time","start":232.3,"end":232.62001,"confidence":0.982666,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.008541344664990902},{"word":"so","start":232.62001,"end":233.1,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.003635836765170098},{"word":"with","start":233.1,"end":233.34001,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.0041228365153074265},{"word":"a","start":233.34001,"end":233.42001,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15817475318908691},{"word":"bit","start":233.42001,"end":233.58,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.19644008576869965},{"word":"of","start":233.58,"end":233.74,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.17422719299793243},{"word":"extra","start":233.74,"end":234.06001,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":-0.2312090694904327},{"word":"hours","start":234.06001,"end":234.3,"confidence":1.0,"punctuated_word":"hours","sentiment":"neutral","sentiment_score":-0.14951638877391815},{"word":"here","start":234.3,"end":234.46,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.1633153110742569},{"word":"and","start":234.46,"end":234.62001,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.19010941684246063},{"word":"there","start":234.62001,"end":234.70001,"confidence":0.9970703,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.16168805956840515},{"word":"it","start":234.70001,"end":234.94,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.19000129401683807},{"word":"kind","start":234.94,"end":235.1,"confidence":0.9741211,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.18417848646640775},{"word":"of","start":235.1,"end":235.26001,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.17440487444400787},{"word":"floats","start":235.26001,"end":235.58,"confidence":0.9941406,"punctuated_word":"floats","sentiment":"neutral","sentiment_score":-0.1277466118335724},{"word":"between","start":235.58,"end":235.82,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.11430387198925018},{"word":"the","start":235.82,"end":236.06001,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13723284006118774},{"word":"two","start":236.06001,"end":236.56001,"confidence":0.99560547,"punctuated_word":"two.","sentiment":"neutral","sentiment_score":-0.12515753507614136},{"word":"yeah","start":240.07501,"end":240.315,"confidence":0.9423828,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06400921195745468},{"word":"no","start":240.315,"end":240.815,"confidence":0.9909668,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2918426990509033},{"word":"that's","start":240.875,"end":241.35501,"confidence":0.97021484,"punctuated_word":"That's","sentiment":"negative","sentiment_score":-0.3674326539039612},{"word":"painful","start":241.35501,"end":241.85501,"confidence":1.0,"punctuated_word":"painful.","sentiment":"negative","sentiment_score":-0.39562177658081055},{"word":"the","start":242.79501,"end":243.195,"confidence":0.83203125,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.2339879870414734},{"word":"the","start":243.195,"end":243.27501,"confidence":0.94628906,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2447727620601654},{"word":"loading","start":243.27501,"end":243.675,"confidence":0.9980469,"punctuated_word":"loading","sentiment":"neutral","sentiment_score":-0.24883508682250977},{"word":"is","start":243.675,"end":243.755,"confidence":0.5395508,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.18371805548667908},{"word":"supposed","start":243.755,"end":243.99501,"confidence":1.0,"punctuated_word":"supposed","sentiment":"neutral","sentiment_score":-0.17936651408672333},{"word":"to","start":243.99501,"end":244.07501,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.14690233767032623},{"word":"help","start":244.07501,"end":244.315,"confidence":1.0,"punctuated_word":"help","sentiment":"neutral","sentiment_score":-0.13352695107460022},{"word":"with","start":244.315,"end":244.395,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.17060106992721558},{"word":"that","start":244.395,"end":244.63501,"confidence":0.99560547,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.16758808493614197},{"word":"but","start":244.63501,"end":244.875,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.14926736056804657},{"word":"it","start":244.875,"end":244.955,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.23273305594921112},{"word":"often","start":244.955,"end":245.27501,"confidence":0.9980469,"punctuated_word":"often","sentiment":"neutral","sentiment_score":-0.16724975407123566},{"word":"doesn't","start":245.27501,"end":245.77501,"confidence":0.9996745,"punctuated_word":"doesn't.","sentiment":"neutral","sentiment_score":-0.1868828386068344},{"word":"okay","start":248.235,"end":248.71501,"confidence":0.9980469,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.032715365290641785},{"word":"and","start":248.71501,"end":249.21501,"confidence":0.99609375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.011098980903625488},{"word":"okay","start":251.515,"end":252.015,"confidence":0.99853516,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.017924714833498},{"word":"is","start":252.07501,"end":252.315,"confidence":0.9614258,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.007671531289815903},{"word":"it","start":252.315,"end":252.395,"confidence":0.7285156,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.012331932783126833},{"word":"a","start":252.395,"end":252.55501,"confidence":0.9790039,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.006270740181207657},{"word":"different","start":252.55501,"end":252.875,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.0015969201922416687},{"word":"role","start":252.875,"end":253.195,"confidence":0.6118164,"punctuated_word":"role","sentiment":"neutral","sentiment_score":0.0020119398832321167},{"word":"from","start":253.195,"end":253.43501,"confidence":0.91748047,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.0029271356761455536},{"word":"pharmacy","start":253.43501,"end":253.91501,"confidence":0.98095703,"punctuated_word":"pharmacy","sentiment":"neutral","sentiment_score":0.004422774538397789},{"word":"assistant","start":253.91501,"end":254.41501,"confidence":0.9387207,"punctuated_word":"assistant?","sentiment":"neutral","sentiment_score":0.00752257788553834},{"word":"yep","start":257.6,"end":257.84,"confidence":0.9875488,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03968898206949234},{"word":"medical","start":257.84,"end":258.34,"confidence":0.9980469,"punctuated_word":"Medical","sentiment":"neutral","sentiment_score":0.01761520281434059},{"word":"receptionist","start":258.48,"end":258.98,"confidence":0.9873047,"punctuated_word":"receptionist.","sentiment":"neutral","sentiment_score":0.029181716963648796},{"word":"and","start":259.04,"end":259.2,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.01708681881427765},{"word":"who's","start":259.2,"end":259.52,"confidence":0.9875488,"punctuated_word":"who's","sentiment":"neutral","sentiment_score":0.017113097012043},{"word":"that","start":259.52,"end":259.76,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03000543639063835},{"word":"for","start":259.76,"end":260.26,"confidence":0.9995117,"punctuated_word":"for?","sentiment":"neutral","sentiment_score":0.0233570896089077},{"word":"in","start":265.2,"end":265.44,"confidence":0.51953125,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.040999557822942734},{"word":"port","start":265.44,"end":265.84,"confidence":0.9536133,"punctuated_word":"Port","sentiment":"neutral","sentiment_score":0.03916195407509804},{"word":"adelaide","start":265.84,"end":266.34,"confidence":0.98999023,"punctuated_word":"Adelaide.","sentiment":"neutral","sentiment_score":0.045411117374897},{"word":"thank","start":266.48,"end":266.72,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5480101704597473},{"word":"you","start":266.72,"end":266.88,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6437996029853821},{"word":"so","start":266.88,"end":267.12,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.61910080909729},{"word":"much","start":267.12,"end":267.36,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.6701849102973938},{"word":"for","start":267.36,"end":267.52,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6422457695007324},{"word":"that","start":267.52,"end":268.02,"confidence":0.99902344,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.6768693327903748},{"word":"and","start":268.08,"end":268.575,"confidence":1.0,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.4232526421546936},{"word":"would","start":268.73502,"end":268.975,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.2159784734249115},{"word":"you","start":268.975,"end":269.05502,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2353287935256958},{"word":"still","start":269.05502,"end":269.45502,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.21509507298469543},{"word":"say","start":269.45502,"end":269.77502,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.24981972575187683},{"word":"that","start":269.77502,"end":270.015,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1657298058271408},{"word":"your","start":270.015,"end":270.255,"confidence":0.9863281,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15195517241954803},{"word":"your","start":270.255,"end":270.415,"confidence":0.9921875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12885981798171997},{"word":"main","start":270.415,"end":270.655,"confidence":0.99902344,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.1844378411769867},{"word":"focus","start":270.655,"end":271.05502,"confidence":1.0,"punctuated_word":"focus","sentiment":"neutral","sentiment_score":0.11549712717533112},{"word":"at","start":271.05502,"end":271.135,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.14775016903877258},{"word":"the","start":271.135,"end":271.21503,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18792389333248136},{"word":"moment","start":271.21503,"end":271.535,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.2283956408500671},{"word":"is","start":271.535,"end":271.695,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1494869738817215},{"word":"just","start":271.695,"end":271.855,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16101135313510895},{"word":"kind","start":271.855,"end":272.095,"confidence":0.9951172,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.16737355291843414},{"word":"of","start":272.095,"end":272.415,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1925367116928101},{"word":"paying","start":272.415,"end":272.655,"confidence":0.9970703,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.22287216782569885},{"word":"down","start":272.655,"end":272.89502,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.2253257781267166},{"word":"the","start":272.89502,"end":273.05502,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2239890992641449},{"word":"mortgage","start":273.05502,"end":273.375,"confidence":0.92285156,"punctuated_word":"mortgage?","sentiment":"neutral","sentiment_score":0.16663214564323425},{"word":"because","start":273.375,"end":273.61502,"confidence":0.9526367,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.060689158737659454},{"word":"the","start":273.61502,"end":273.695,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07343319803476334},{"word":"main","start":273.695,"end":273.935,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.12250448018312454},{"word":"thing","start":273.935,"end":274.095,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.12827157974243164},{"word":"we","start":274.095,"end":274.255,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09688498079776764},{"word":"have","start":274.255,"end":274.49503,"confidence":0.5385742,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08498278260231018},{"word":"for","start":274.49503,"end":274.575,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07423493266105652},{"word":"every","start":274.575,"end":274.815,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.0658344179391861},{"word":"year","start":274.815,"end":275.05502,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.12990722060203552},{"word":"for","start":275.05502,"end":275.135,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11042255908250807},{"word":"you","start":275.135,"end":275.375,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13218864798545835},{"word":"was","start":275.375,"end":275.535,"confidence":0.91748047,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.116646446287632},{"word":"just","start":275.535,"end":275.77502,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1257150024175644},{"word":"getting","start":275.77502,"end":276.095,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.16712906956672668},{"word":"that","start":276.095,"end":276.575,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15542270243167877},{"word":"mortgage","start":276.575,"end":277.05502,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.16434837877750397},{"word":"finalized","start":277.05502,"end":277.55502,"confidence":0.99658203,"punctuated_word":"finalized.","sentiment":"neutral","sentiment_score":0.16165123879909515},{"word":"and","start":279.77502,"end":280.095,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1981841027736664},{"word":"how","start":280.095,"end":280.255,"confidence":0.9970703,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.18430012464523315},{"word":"are","start":280.255,"end":280.33502,"confidence":0.93603516,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.18495705723762512},{"word":"you","start":280.33502,"end":280.49503,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18906523287296295},{"word":"guys","start":280.49503,"end":280.73502,"confidence":1.0,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.23582765460014343},{"word":"going","start":280.73502,"end":281.05502,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.21425727009773257},{"word":"with","start":281.05502,"end":281.21503,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.17433686554431915},{"word":"that","start":281.21503,"end":281.61,"confidence":0.9975586,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.166742205619812},{"word":"yep","start":287.84998,"end":288.34998,"confidence":0.9812012,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0746595561504364},{"word":"okay","start":295.945,"end":296.445,"confidence":0.8881836,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.047987744212150574},{"word":"no","start":298.185,"end":298.425,"confidence":0.95703125,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.061462096869945526},{"word":"worries","start":298.425,"end":298.925,"confidence":0.99902344,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.04386875033378601},{"word":"270","start":313.80002,"end":314.92,"confidence":0.8344116,"punctuated_word":"270.","sentiment":"neutral","sentiment_score":0.058622971177101135},{"word":"that's","start":314.92,"end":315.16,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.36385607719421387},{"word":"pretty","start":315.16,"end":315.40002,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.38504287600517273},{"word":"good","start":315.40002,"end":315.56003,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.3063739538192749},{"word":"i","start":315.56003,"end":315.72,"confidence":0.9863281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2158018946647644},{"word":"think","start":315.72,"end":315.96002,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.2212735265493393},{"word":"last","start":315.96002,"end":316.2,"confidence":0.91259766,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.16722984611988068},{"word":"check","start":316.2,"end":316.36002,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.1879972517490387},{"word":"we","start":316.36002,"end":316.44,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.21811971068382263},{"word":"have","start":316.44,"end":316.68002,"confidence":0.9790039,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1482909619808197},{"word":"was","start":316.68002,"end":316.84003,"confidence":0.86865234,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.11847399920225143},{"word":"about","start":316.84003,"end":317.0,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1154327392578125},{"word":"$3.73","start":317.0,"end":317.88,"confidence":0.97094727,"punctuated_word":"$3.73,","sentiment":"neutral","sentiment_score":0.11151144653558732},{"word":"so","start":317.88,"end":318.04,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.18642231822013855},{"word":"that's","start":318.04,"end":318.36002,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.2106147259473801},{"word":"going","start":318.36002,"end":318.6,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.2508111298084259},{"word":"down","start":318.6,"end":318.84003,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.21913623809814453},{"word":"pretty","start":318.84003,"end":319.08002,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.2430574744939804},{"word":"nicely","start":319.08002,"end":319.58002,"confidence":0.99902344,"punctuated_word":"nicely.","sentiment":"neutral","sentiment_score":0.17690850794315338},{"word":"yep","start":327.73502,"end":328.23502,"confidence":0.8339844,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13120883703231812},{"word":"perfect","start":328.295,"end":328.795,"confidence":0.99365234,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.23285417258739471},{"word":"595,000","start":329.575,"end":331.275,"confidence":0.9816081,"punctuated_word":"595,000.","sentiment":"neutral","sentiment_score":0.1064027100801468},{"word":"now","start":331.495,"end":331.995,"confidence":0.9980469,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.08512844890356064},{"word":"do","start":332.94,"end":333.18,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.015582635998725893},{"word":"you","start":333.18,"end":333.26,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.030706927180290226},{"word":"have","start":333.26,"end":333.5,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.022159170359373093},{"word":"a","start":333.5,"end":333.58,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.023697758093476295},{"word":"bit","start":333.58,"end":333.74,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.026972409337759014},{"word":"of","start":333.74,"end":333.82,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.009448334574699402},{"word":"an","start":333.82,"end":333.98,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.004531648010015488},{"word":"estimate","start":333.98,"end":334.38,"confidence":1.0,"punctuated_word":"estimate","sentiment":"neutral","sentiment_score":0.031024716794490818},{"word":"on","start":334.38,"end":334.62,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.014300473034381866},{"word":"the","start":334.62,"end":334.78,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01090601459145546},{"word":"investment","start":334.78,"end":335.18,"confidence":0.9863281,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.01946502923965454},{"word":"property's","start":335.18,"end":335.58,"confidence":0.8508301,"punctuated_word":"property's","sentiment":"neutral","sentiment_score":0.009416524320840836},{"word":"value","start":335.58,"end":335.82,"confidence":1.0,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.0028217434883117676},{"word":"now","start":335.82,"end":336.06,"confidence":0.93310547,"punctuated_word":"now?","sentiment":"neutral","sentiment_score":0.013025419786572456},{"word":"because","start":336.06,"end":336.3,"confidence":0.9614258,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.02542347088456154},{"word":"i","start":336.3,"end":336.38,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.018495209515094757},{"word":"know","start":336.38,"end":336.54,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.03135392442345619},{"word":"property","start":336.54,"end":336.86002,"confidence":0.9716797,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.0185728557407856},{"word":"market's","start":336.86002,"end":337.26,"confidence":0.93652344,"punctuated_word":"market's","sentiment":"neutral","sentiment_score":-0.02558809146285057},{"word":"been","start":337.26,"end":337.66,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.022250931710004807},{"word":"all","start":337.66,"end":337.9,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.02634846791625023},{"word":"over","start":337.9,"end":338.14,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.02181122824549675},{"word":"the","start":338.14,"end":338.3,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02031894586980343},{"word":"place","start":338.3,"end":338.8,"confidence":0.9995117,"punctuated_word":"place.","sentiment":"neutral","sentiment_score":-0.015640774741768837},{"word":"yeah","start":358.73,"end":358.97,"confidence":0.8154297,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.008865851908922195},{"word":"yeah","start":358.97,"end":359.47,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.000215290579944849},{"word":"okay","start":363.77,"end":364.09,"confidence":0.9658203,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.026798350736498833},{"word":"and","start":364.09,"end":364.33,"confidence":0.9941406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.024971527978777885},{"word":"i","start":364.33,"end":364.41,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.027260899543762207},{"word":"was","start":364.41,"end":364.65,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.021198606118559837},{"word":"having","start":364.65,"end":364.89,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.032208897173404694},{"word":"a","start":364.89,"end":364.97,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03279072791337967},{"word":"look","start":364.97,"end":365.13,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.02502712793648243},{"word":"at","start":365.13,"end":365.37,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.027385862544178963},{"word":"the","start":365.37,"end":365.61,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0258538331836462},{"word":"the","start":365.61,"end":365.77,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.029638081789016724},{"word":"main","start":365.77,"end":366.09,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.047197502106428146},{"word":"residence","start":366.09,"end":366.57,"confidence":0.8161621,"punctuated_word":"residence,","sentiment":"neutral","sentiment_score":0.029484078288078308},{"word":"and","start":366.57,"end":366.85,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03035811334848404},{"word":"a","start":366.85,"end":367.13,"confidence":0.9589844,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03588308393955231},{"word":"bit","start":367.13,"end":367.37,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.031291164457798004},{"word":"of","start":367.37,"end":367.53,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03074144944548607},{"word":"google","start":367.53,"end":367.85,"confidence":0.94921875,"punctuated_word":"Google","sentiment":"neutral","sentiment_score":0.03341344743967056},{"word":"was","start":367.85,"end":368.01,"confidence":0.99121094,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.02357756905257702},{"word":"saying","start":368.01,"end":368.17,"confidence":1.0,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":0.036662813276052475},{"word":"it","start":368.17,"end":368.33,"confidence":0.9902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.036213211715221405},{"word":"could","start":368.33,"end":368.49,"confidence":0.99902344,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.04103704169392586},{"word":"even","start":368.49,"end":368.73,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.04864048957824707},{"word":"be","start":368.73,"end":368.89,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03244093433022499},{"word":"estimated","start":368.89,"end":369.37,"confidence":1.0,"punctuated_word":"estimated","sentiment":"neutral","sentiment_score":0.04226807504892349},{"word":"at","start":369.37,"end":369.45,"confidence":0.63623047,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.03486740216612816},{"word":"about","start":369.45,"end":369.69,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.03280322253704071},{"word":"1,300,000","start":369.69,"end":370.83,"confidence":0.99975586,"punctuated_word":"1,300,000.","sentiment":"neutral","sentiment_score":0.03178122639656067},{"word":"wow","start":372.725,"end":373.225,"confidence":0.9980469,"punctuated_word":"Wow.","sentiment":"positive","sentiment_score":0.4845126569271088},{"word":"that's","start":373.365,"end":373.845,"confidence":0.85424805,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.7024452090263367},{"word":"amazing","start":373.845,"end":374.32498,"confidence":1.0,"punctuated_word":"amazing.","sentiment":"positive","sentiment_score":0.7040311098098755},{"word":"i","start":374.32498,"end":374.405,"confidence":0.9970703,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3970112204551697},{"word":"think","start":374.405,"end":374.725,"confidence":1.0,"punctuated_word":"think","sentiment":"positive","sentiment_score":0.40988561511039734},{"word":"we","start":374.725,"end":374.885,"confidence":0.99902344,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3582953214645386},{"word":"had","start":374.885,"end":375.04498,"confidence":0.98535156,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.3036198914051056},{"word":"an","start":375.04498,"end":375.205,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.3308250606060028},{"word":"early","start":375.205,"end":375.525,"confidence":0.9394531,"punctuated_word":"early,","sentiment":"neutral","sentiment_score":0.25684264302253723},{"word":"early","start":375.525,"end":375.76498,"confidence":1.0,"punctuated_word":"early","sentiment":"neutral","sentiment_score":0.20316505432128903},{"word":"estimate","start":375.76498,"end":376.245,"confidence":0.99902344,"punctuated_word":"estimate","sentiment":"neutral","sentiment_score":0.26671168208122253},{"word":"towards","start":376.245,"end":376.565,"confidence":0.99609375,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.230304092168808},{"word":"the","start":376.565,"end":376.725,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2676387131214142},{"word":"beginning","start":376.725,"end":377.04498,"confidence":1.0,"punctuated_word":"beginning","sentiment":"neutral","sentiment_score":0.3195651173591614},{"word":"of","start":377.04498,"end":377.205,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.36291855573654175},{"word":"about","start":377.205,"end":377.445,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.30294790863990784},{"word":"700,000","start":377.445,"end":378.32498,"confidence":0.9679362,"punctuated_word":"700,000,","sentiment":"neutral","sentiment_score":0.25404423475265503},{"word":"so","start":378.32498,"end":378.485,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.25138920545578003},{"word":"it's","start":378.485,"end":378.725,"confidence":0.99316406,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.28404542803764343},{"word":"close","start":378.725,"end":378.965,"confidence":0.98535156,"punctuated_word":"close","sentiment":"neutral","sentiment_score":0.23159748315811157},{"word":"to","start":378.965,"end":379.125,"confidence":0.9863281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2875562012195587},{"word":"doubled","start":379.125,"end":379.625,"confidence":0.5683594,"punctuated_word":"doubled","sentiment":"neutral","sentiment_score":0.27383893728256226},{"word":"the","start":379.685,"end":379.925,"confidence":0.9013672,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2216478735208511},{"word":"last","start":379.925,"end":380.165,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.16671434044837952},{"word":"sort","start":380.165,"end":380.245,"confidence":0.9707031,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.0352170467376709},{"word":"of","start":380.245,"end":380.485,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04569532722234726},{"word":"four","start":380.485,"end":380.645,"confidence":1.0,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.023065347224473953},{"word":"or","start":380.645,"end":380.805,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.026753121986985207},{"word":"five","start":380.805,"end":381.04498,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.033000558614730835},{"word":"years","start":381.04498,"end":381.54498,"confidence":1.0,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.08384457975625992},{"word":"amazing","start":383.94,"end":384.42,"confidence":0.99853516,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.43568071722984314},{"word":"so","start":384.42,"end":384.74002,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.23887552320957184},{"word":"equity","start":384.74002,"end":385.22,"confidence":0.9980469,"punctuated_word":"equity","sentiment":"neutral","sentiment_score":0.32184988260269165},{"word":"everywhere","start":385.22,"end":385.72,"confidence":0.84521484,"punctuated_word":"everywhere,","sentiment":"neutral","sentiment_score":0.2077195942401886},{"word":"that","start":385.78,"end":385.94,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.25453752279281616},{"word":"must","start":385.94,"end":386.18002,"confidence":1.0,"punctuated_word":"must","sentiment":"neutral","sentiment_score":0.2776038944721222},{"word":"be","start":386.18002,"end":386.26,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.22977101802825928},{"word":"nice","start":386.26,"end":386.76,"confidence":0.9980469,"punctuated_word":"nice.","sentiment":"positive","sentiment_score":0.5087133646011353},{"word":"whether","start":388.90002,"end":389.14,"confidence":0.8964844,"punctuated_word":"Whether","sentiment":"neutral","sentiment_score":0.015054669231176376},{"word":"it","start":389.14,"end":389.38,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03495555743575096},{"word":"translates","start":389.38,"end":389.86002,"confidence":0.9980469,"punctuated_word":"translates","sentiment":"neutral","sentiment_score":0.023241965100169185},{"word":"to","start":389.86002,"end":390.02002,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.040677882730960846},{"word":"something","start":390.02002,"end":390.26,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.026235364377498627},{"word":"a","start":390.26,"end":390.34,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.038761913776397705},{"word":"bit","start":390.34,"end":390.58002,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.04859454929828644},{"word":"tangible","start":390.58002,"end":390.98,"confidence":1.0,"punctuated_word":"tangible","sentiment":"neutral","sentiment_score":0.07484480738639832},{"word":"down","start":390.98,"end":391.22,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.08520194888114929},{"word":"the","start":391.22,"end":391.30002,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.068471260368824},{"word":"line","start":391.30002,"end":391.62,"confidence":0.99658203,"punctuated_word":"line,","sentiment":"neutral","sentiment_score":0.06591879576444626},{"word":"hopefully","start":391.62,"end":391.94,"confidence":0.9279785,"punctuated_word":"hopefully,","sentiment":"neutral","sentiment_score":0.08870938420295715},{"word":"that","start":391.94,"end":392.18002,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09076128900051116},{"word":"can","start":392.18002,"end":392.34,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09593833237886427},{"word":"come","start":392.34,"end":392.5,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.09947818517684937},{"word":"into","start":392.5,"end":392.82,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.08752770721912384},{"word":"play","start":392.82,"end":392.98,"confidence":1.0,"punctuated_word":"play","sentiment":"neutral","sentiment_score":0.07205940037965775},{"word":"a","start":392.98,"end":393.14,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03752826154232025},{"word":"little","start":393.14,"end":393.30002,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.02361372858285904},{"word":"bit","start":393.30002,"end":393.80002,"confidence":0.95092773,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.04029218107461929},{"word":"uh-huh","start":407.49002,"end":407.99002,"confidence":0.9154297,"punctuated_word":"Uh-huh.","sentiment":"neutral","sentiment_score":-0.04063364863395691},{"word":"oh","start":411.09,"end":411.25,"confidence":0.98657227,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.08978870511054993},{"word":"no","start":411.25,"end":411.75,"confidence":0.99902344,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.11271648854017258},{"word":"okay","start":418.05002,"end":418.55002,"confidence":0.9980469,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.024900035932660103},{"word":"yeah","start":419.26498,"end":419.505,"confidence":0.99316406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05565835535526275},{"word":"that's","start":419.505,"end":420.005,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.18916401267051697},{"word":"never","start":420.225,"end":420.625,"confidence":1.0,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.28089457750320435},{"word":"fun","start":420.625,"end":420.865,"confidence":0.94311523,"punctuated_word":"fun,","sentiment":"neutral","sentiment_score":-0.2413391470909119},{"word":"especially","start":420.865,"end":421.345,"confidence":1.0,"punctuated_word":"especially","sentiment":"neutral","sentiment_score":-0.2220294326543808},{"word":"when","start":421.345,"end":421.505,"confidence":0.9980469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.21437737345695496},{"word":"you've","start":421.505,"end":421.745,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.18755954504013064},{"word":"got","start":421.745,"end":422.065,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.15659138560295105},{"word":"i","start":422.305,"end":422.465,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.14401870965957642},{"word":"mean","start":422.465,"end":422.705,"confidence":0.9995117,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.09405745565891266},{"word":"is","start":422.705,"end":422.865,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0998617708683014},{"word":"the","start":422.865,"end":423.025,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09251295030117036},{"word":"rental","start":423.025,"end":423.505,"confidence":1.0,"punctuated_word":"rental","sentiment":"neutral","sentiment_score":-0.08850759267807007},{"word":"okay","start":423.505,"end":424.005,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":-0.07782040536403656},{"word":"on","start":424.145,"end":424.465,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.07032905519008636},{"word":"that","start":424.465,"end":424.705,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06533847004175186},{"word":"property","start":424.705,"end":425.205,"confidence":0.9995117,"punctuated_word":"property?","sentiment":"neutral","sentiment_score":-0.061989493668079376},{"word":"yeah","start":437.52002,"end":438.02002,"confidence":0.85961914,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03955090045928955},{"word":"that's","start":438.16,"end":438.48,"confidence":0.9970703,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.06905317306518555},{"word":"a","start":438.48,"end":438.56,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1685449779033661},{"word":"tricky","start":438.56,"end":438.96002,"confidence":1.0,"punctuated_word":"tricky","sentiment":"neutral","sentiment_score":-0.15117710828781128},{"word":"one","start":438.96002,"end":439.46002,"confidence":0.99853516,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.1596519947052002},{"word":"yeah","start":455.13498,"end":455.63498,"confidence":0.9482422,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02362060546875},{"word":"and","start":458.24002,"end":458.48,"confidence":0.9873047,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.19729234278202057},{"word":"with","start":458.48,"end":458.98,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2521665096282959},{"word":"the","start":459.44,"end":459.68002,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.31136375665664673},{"word":"rental","start":459.68002,"end":460.16,"confidence":0.7026367,"punctuated_word":"rental","sentiment":"neutral","sentiment_score":0.04443570598959923},{"word":"side","start":460.16,"end":460.40002,"confidence":0.90625,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.0349653996527195},{"word":"of","start":460.40002,"end":460.48,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.019542396068573},{"word":"things","start":460.48,"end":460.80002,"confidence":0.9975586,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.026632126420736313},{"word":"are","start":460.80002,"end":461.04,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.00896010547876358},{"word":"they","start":461.04,"end":461.2,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.010690569877624512},{"word":"paying","start":461.2,"end":461.6,"confidence":1.0,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.01839405670762062},{"word":"a","start":461.6,"end":461.76,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.025146618485450745},{"word":"a","start":461.76,"end":461.84,"confidence":0.65771484,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.022418122738599777},{"word":"good","start":461.84,"end":462.32,"confidence":0.99902344,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.0248502716422081},{"word":"$7.50","start":462.32,"end":463.04,"confidence":0.9490967,"punctuated_word":"$7.50,","sentiment":"neutral","sentiment_score":0.06637725234031677},{"word":"800","start":463.04,"end":463.44,"confidence":0.9995117,"punctuated_word":"800","sentiment":"neutral","sentiment_score":0.011037489399313928},{"word":"a","start":463.44,"end":463.52002,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.007276525720953941},{"word":"week","start":463.52002,"end":463.76,"confidence":0.8408203,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":-0.0033930353820323944},{"word":"or","start":463.76,"end":464.08002,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0019218772649765017},{"word":"what's","start":464.08002,"end":464.40002,"confidence":0.9980469,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.0016624729614704847},{"word":"the","start":464.40002,"end":464.72,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0008699782192707062},{"word":"the","start":464.72,"end":464.88,"confidence":0.8598633,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.00009550899267196657},{"word":"average","start":464.88,"end":465.38,"confidence":0.97265625,"punctuated_word":"average?","sentiment":"neutral","sentiment_score":-0.000787811353802681},{"word":"yep","start":471.85498,"end":472.335,"confidence":0.9472656,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.0002325506357010454},{"word":"still","start":472.335,"end":472.57498,"confidence":0.99609375,"punctuated_word":"Still","sentiment":"neutral","sentiment_score":-0.015250660479068756},{"word":"here","start":472.57498,"end":473.07498,"confidence":0.93310547,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.003350568935275078},{"word":"$6.80","start":495.645,"end":496.705,"confidence":0.97265625,"punctuated_word":"$6.80.","sentiment":"neutral","sentiment_score":0.012190114706754684},{"word":"yeah","start":516.875,"end":517.195,"confidence":0.7956543,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.10189538449048996},{"word":"and","start":517.195,"end":517.515,"confidence":0.9921875,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.14667870104312897},{"word":"i'm","start":517.515,"end":517.67505,"confidence":0.9099121,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.1507120430469513},{"word":"i've","start":517.835,"end":517.995,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.15784674882888794},{"word":"got","start":517.995,"end":518.155,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.1822537332773209},{"word":"all","start":518.155,"end":518.315,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.17137393355369568},{"word":"those","start":518.315,"end":518.635,"confidence":0.9980469,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.1562538743019104},{"word":"email","start":518.635,"end":518.875,"confidence":0.99609375,"punctuated_word":"email","sentiment":"neutral","sentiment_score":-0.15433861315250397},{"word":"chains","start":518.875,"end":519.195,"confidence":0.7441406,"punctuated_word":"chains.","sentiment":"neutral","sentiment_score":-0.15246909856796265},{"word":"i","start":519.195,"end":519.35504,"confidence":0.9560547,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1937518864870071},{"word":"have","start":519.35504,"end":519.67505,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.19379457831382751},{"word":"24","start":519.67505,"end":520.23505,"confidence":0.9995117,"punctuated_word":"24","sentiment":"neutral","sentiment_score":-0.19681543111801147},{"word":"replies","start":520.23505,"end":520.635,"confidence":1.0,"punctuated_word":"replies","sentiment":"neutral","sentiment_score":-0.1629534512758255},{"word":"with","start":520.635,"end":520.875,"confidence":0.9790039,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.16760306060314178},{"word":"three","start":520.875,"end":521.03503,"confidence":0.95825195,"punctuated_word":"three,","sentiment":"neutral","sentiment_score":-0.1677735149860382},{"word":"four","start":521.03503,"end":521.275,"confidence":1.0,"punctuated_word":"four","sentiment":"neutral","sentiment_score":-0.18376772105693817},{"word":"different","start":521.275,"end":521.515,"confidence":0.99902344,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.19286754727363584},{"word":"people","start":521.515,"end":521.755,"confidence":0.96240234,"punctuated_word":"people,","sentiment":"neutral","sentiment_score":-0.20768986642360687},{"word":"and","start":521.755,"end":521.91504,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2014184594154358},{"word":"it's","start":521.91504,"end":522.075,"confidence":0.7866211,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.276542603969574},{"word":"a","start":522.075,"end":522.155,"confidence":0.91015625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.25827354192733765},{"word":"bit","start":522.155,"end":522.395,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.24882346391677856},{"word":"bit","start":522.395,"end":522.635,"confidence":0.8041992,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.28806015849113464},{"word":"hard","start":522.635,"end":522.875,"confidence":0.9428711,"punctuated_word":"hard","sentiment":"neutral","sentiment_score":-0.32078543305397034},{"word":"to","start":522.875,"end":523.03503,"confidence":0.9892578,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3464592397212982},{"word":"try","start":523.03503,"end":523.53503,"confidence":0.6951904,"punctuated_word":"try.","sentiment":"neutral","sentiment_score":-0.2314518690109253},{"word":"no","start":537.61,"end":537.76996,"confidence":0.8154297,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.053092680871486664},{"word":"that's","start":537.76996,"end":538.00995,"confidence":0.9108887,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.042753592133522034},{"word":"okay","start":538.00995,"end":538.41,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.10034291446208954},{"word":"i","start":538.41,"end":538.49,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06730655580759048},{"word":"mean","start":538.49,"end":538.97,"confidence":0.99853516,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.11965864896774292},{"word":"all","start":538.97,"end":539.13,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.12079514563083649},{"word":"i","start":539.13,"end":539.29,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13649162650108335},{"word":"would","start":539.29,"end":539.44995,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.17410755157470703},{"word":"kind","start":539.44995,"end":539.69,"confidence":0.9921875,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.13225875794887543},{"word":"of","start":539.69,"end":539.85,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15379726886749268},{"word":"just","start":539.85,"end":540.00995,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10805070400238036},{"word":"give","start":540.00995,"end":540.17,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.09250690042972563},{"word":"you","start":540.17,"end":540.25,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12225696444511414},{"word":"as","start":540.25,"end":540.49,"confidence":0.71972656,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10818535089492798},{"word":"an","start":540.49,"end":540.64996,"confidence":0.9970703,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.09677955508232115},{"word":"an","start":540.64996,"end":540.88995,"confidence":0.74902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.08952344208955765},{"word":"average","start":540.88995,"end":541.29,"confidence":1.0,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.10349005460739136},{"word":"for","start":541.29,"end":541.44995,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16230668127536774},{"word":"that","start":541.44995,"end":541.69,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14543892443180084},{"word":"$6.80","start":541.69,"end":542.50995,"confidence":0.99902344,"punctuated_word":"$6.80","sentiment":"neutral","sentiment_score":0.16723595559597015},{"word":"is","start":542.75494,"end":543.07495,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1846054047346115},{"word":"it's","start":543.07495,"end":543.235,"confidence":0.967041,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.15124790370464325},{"word":"a","start":543.235,"end":543.39496,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4139633774757385},{"word":"decent","start":543.39496,"end":543.89496,"confidence":1.0,"punctuated_word":"decent","sentiment":"positive","sentiment_score":0.3344098627567291},{"word":"percentage","start":544.035,"end":544.535,"confidence":1.0,"punctuated_word":"percentage","sentiment":"positive","sentiment_score":0.39152365922927856},{"word":"compared","start":544.915,"end":545.415,"confidence":1.0,"punctuated_word":"compared","sentiment":"positive","sentiment_score":0.3758563101291657},{"word":"to","start":545.63495,"end":545.875,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.39716172218322754},{"word":"the","start":545.875,"end":546.035,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3639495074748993},{"word":"debt","start":546.035,"end":546.27496,"confidence":0.99902344,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":0.17021580040454865},{"word":"level","start":546.27496,"end":546.595,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.1046520471572876},{"word":"that","start":546.595,"end":546.75494,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2537480592727661},{"word":"you","start":546.75494,"end":546.915,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14996276795864105},{"word":"have","start":546.915,"end":547.415,"confidence":0.9538574,"punctuated_word":"have.","sentiment":"neutral","sentiment_score":0.16224847733974457},{"word":"but","start":548.83496,"end":549.33496,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.10357174277305604},{"word":"compared","start":549.475,"end":549.975,"confidence":0.9970703,"punctuated_word":"compared","sentiment":"neutral","sentiment_score":0.1498367041349411},{"word":"to","start":550.035,"end":550.27496,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16669005155563354},{"word":"the","start":550.27496,"end":550.51495,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1317805051803589},{"word":"value","start":550.51495,"end":550.915,"confidence":1.0,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.06716800481081009},{"word":"of","start":550.915,"end":551.07495,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07366279512643814},{"word":"the","start":551.07495,"end":551.235,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07247911393642426},{"word":"property","start":551.235,"end":551.735,"confidence":0.9995117,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.05001845955848694},{"word":"there","start":552.035,"end":552.27496,"confidence":0.9980469,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.10406823456287384},{"word":"may","start":552.27496,"end":552.435,"confidence":0.9980469,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.10969116538763046},{"word":"be","start":552.435,"end":552.675,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.12405209243297576},{"word":"properties","start":552.675,"end":553.175,"confidence":1.0,"punctuated_word":"properties","sentiment":"neutral","sentiment_score":0.09651167690753935},{"word":"in","start":553.235,"end":553.475,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07999574393033981},{"word":"other","start":553.475,"end":553.795,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.08544442057609558},{"word":"states","start":553.795,"end":554.27496,"confidence":0.9980469,"punctuated_word":"states","sentiment":"neutral","sentiment_score":0.06454508006572723},{"word":"for","start":554.27496,"end":554.51495,"confidence":0.9790039,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08581908792257309},{"word":"800,000","start":554.51495,"end":555.31494,"confidence":0.99934894,"punctuated_word":"800,000","sentiment":"neutral","sentiment_score":0.11243240535259248},{"word":"that","start":555.31494,"end":555.475,"confidence":0.99121094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11724412441253662},{"word":"would","start":555.475,"end":555.63495,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.11127316951751708},{"word":"rent","start":555.63495,"end":555.875,"confidence":0.99902344,"punctuated_word":"rent","sentiment":"neutral","sentiment_score":0.11677240580320358},{"word":"for","start":555.875,"end":556.035,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11181040853261948},{"word":"$8.08","start":556.035,"end":556.435,"confidence":0.87176514,"punctuated_word":"$8.08","sentiment":"neutral","sentiment_score":0.07732175290584564},{"word":"50","start":556.435,"end":556.75494,"confidence":0.9941406,"punctuated_word":"50","sentiment":"neutral","sentiment_score":0.0962461158633232},{"word":"a","start":556.75494,"end":556.83496,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10446755588054656},{"word":"week","start":556.83496,"end":557.07495,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.06954967975616455},{"word":"or","start":557.07495,"end":557.235,"confidence":0.9326172,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.09359461069107056},{"word":"something","start":557.235,"end":557.555,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.0385267473757267},{"word":"like","start":557.555,"end":557.71497,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.06330142915248871},{"word":"that","start":557.71497,"end":558.15,"confidence":0.9980469,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.08964107930660248},{"word":"so","start":558.39,"end":558.63,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09860438853502274},{"word":"percentage","start":558.63,"end":559.11005,"confidence":0.9472656,"punctuated_word":"percentage","sentiment":"neutral","sentiment_score":0.1579970121383667},{"word":"wise","start":559.11005,"end":559.43005,"confidence":0.9975586,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":0.14711102843284607},{"word":"it","start":559.43005,"end":559.67004,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10900429636240004},{"word":"might","start":559.67004,"end":559.83,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.02678331732749939},{"word":"be","start":559.83,"end":559.91003,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.025220997631549835},{"word":"a","start":559.91003,"end":559.99005,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03165346384048462},{"word":"little","start":559.99005,"end":560.15,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.0913664847612381},{"word":"bit","start":560.15,"end":560.31,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.13166315853595734},{"word":"low","start":560.31,"end":560.55005,"confidence":0.9980469,"punctuated_word":"low","sentiment":"neutral","sentiment_score":-0.1425900012254715},{"word":"compared","start":560.55005,"end":560.87,"confidence":0.99902344,"punctuated_word":"compared","sentiment":"neutral","sentiment_score":-0.06467808783054352},{"word":"to","start":560.87,"end":561.03,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0036877095699310303},{"word":"the","start":561.03,"end":561.19,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.039894551038742065},{"word":"value","start":561.19,"end":561.69,"confidence":0.814209,"punctuated_word":"value.","sentiment":"neutral","sentiment_score":-0.09063588082790376},{"word":"but","start":561.83,"end":562.07,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.1309998333454132},{"word":"if","start":562.07,"end":562.23004,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2695707082748413},{"word":"it's","start":562.23004,"end":562.73004,"confidence":1.0,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.609829843044281},{"word":"still","start":562.95,"end":563.27,"confidence":1.0,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.5718384981155396},{"word":"keeping","start":563.27,"end":563.51,"confidence":1.0,"punctuated_word":"keeping","sentiment":"positive","sentiment_score":0.648521900177002},{"word":"up","start":563.51,"end":563.75,"confidence":1.0,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.6325032114982605},{"word":"with","start":563.75,"end":563.91003,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.6583852171897888},{"word":"the","start":563.91003,"end":564.07,"confidence":0.99609375,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6978145837783813},{"word":"repayments","start":564.07,"end":564.57,"confidence":0.9977214,"punctuated_word":"repayments,","sentiment":"positive","sentiment_score":0.5346938967704773},{"word":"that's","start":564.63,"end":564.87,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.6212238073348999},{"word":"pretty","start":564.87,"end":565.11005,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.5427114367485046},{"word":"good","start":565.11005,"end":565.61005,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4196656346321106},{"word":"yeah","start":572.805,"end":573.305,"confidence":0.904541,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02197035402059555},{"word":"yeah","start":592.02,"end":592.33997,"confidence":0.83862305,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1228606104850769},{"word":"yep","start":592.33997,"end":592.66,"confidence":0.96191406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.22383855283260343},{"word":"and","start":592.66,"end":593.16,"confidence":0.94970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.23170390725135803},{"word":"it","start":595.395,"end":595.635,"confidence":0.9951172,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5766422748565674},{"word":"should","start":595.635,"end":595.795,"confidence":1.0,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.6654990911483765},{"word":"be","start":595.795,"end":595.955,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.6017046570777893},{"word":"a","start":595.955,"end":596.03503,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6570733785629272},{"word":"pretty","start":596.03503,"end":596.275,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.6556423902511597},{"word":"good","start":596.275,"end":596.515,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6375582814216614},{"word":"outcome","start":596.515,"end":596.835,"confidence":0.99902344,"punctuated_word":"outcome.","sentiment":"positive","sentiment_score":0.5834590196609497},{"word":"i","start":596.835,"end":596.915,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4067695438861847},{"word":"mean","start":596.915,"end":597.155,"confidence":0.99902344,"punctuated_word":"mean,","sentiment":"positive","sentiment_score":0.4231832027435303},{"word":"at","start":597.155,"end":597.315,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.46130114793777466},{"word":"the","start":597.315,"end":597.395,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.44127026200294495},{"word":"end","start":597.395,"end":597.555,"confidence":1.0,"punctuated_word":"end","sentiment":"positive","sentiment_score":0.3534605801105499},{"word":"of","start":597.555,"end":597.635,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.41810956597328186},{"word":"the","start":597.635,"end":597.795,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.407914400100708},{"word":"day","start":597.795,"end":598.03503,"confidence":0.99902344,"punctuated_word":"day,","sentiment":"positive","sentiment_score":0.34443825483322144},{"word":"you","start":598.03503,"end":598.195,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.44353994727134705},{"word":"still","start":598.195,"end":598.435,"confidence":0.82714844,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.4040215313434601},{"word":"got","start":598.435,"end":598.755,"confidence":0.99902344,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.33791103959083557},{"word":"enough","start":598.755,"end":599.075,"confidence":1.0,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":0.28738728165626526},{"word":"years","start":599.075,"end":599.395,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.23233044147491455},{"word":"left","start":599.395,"end":599.715,"confidence":1.0,"punctuated_word":"left","sentiment":"neutral","sentiment_score":0.26439741253852844},{"word":"where","start":599.715,"end":600.195,"confidence":0.99902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.2696843445301056},{"word":"that","start":600.195,"end":600.435,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3112005889415741},{"word":"mortgage","start":600.435,"end":600.835,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.29582902789115906},{"word":"can","start":600.835,"end":600.995,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.3069947063922882},{"word":"be","start":600.995,"end":601.155,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.32645925879478455},{"word":"paid","start":601.155,"end":601.395,"confidence":1.0,"punctuated_word":"paid","sentiment":"positive","sentiment_score":0.3460794687271118},{"word":"off","start":601.395,"end":601.715,"confidence":0.982666,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":0.3033720850944519},{"word":"you've","start":601.715,"end":601.875,"confidence":0.85717773,"punctuated_word":"You've","sentiment":"positive","sentiment_score":0.35830622911453247},{"word":"got","start":601.875,"end":602.03503,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.31133490800857544},{"word":"the","start":602.03503,"end":602.195,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.35228392481803894},{"word":"investment","start":602.195,"end":602.59503,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.28568899631500244},{"word":"property","start":602.59503,"end":602.995,"confidence":1.0,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.2646980881690979},{"word":"with","start":602.995,"end":603.155,"confidence":0.9951172,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3463241755962372},{"word":"the","start":603.155,"end":603.315,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3539130985736847},{"word":"rental","start":603.315,"end":603.715,"confidence":1.0,"punctuated_word":"rental","sentiment":"neutral","sentiment_score":0.29709678888320923},{"word":"income","start":603.715,"end":604.115,"confidence":0.9223633,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":0.29184234142303467},{"word":"we'll","start":604.115,"end":604.275,"confidence":0.99902344,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.3138441741466522},{"word":"sell","start":604.275,"end":604.515,"confidence":1.0,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.31565549969673157},{"word":"that","start":604.515,"end":604.755,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2642280161380768},{"word":"off","start":604.755,"end":605.235,"confidence":0.8220215,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":0.26057690382003784},{"word":"bit","start":605.235,"end":605.47504,"confidence":0.48339844,"punctuated_word":"Bit","sentiment":"positive","sentiment_score":0.4470321834087372},{"word":"of","start":605.47504,"end":605.635,"confidence":0.9902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.33343425393104553},{"word":"super","start":605.635,"end":605.875,"confidence":0.87841797,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.4353184700012207},{"word":"on","start":605.875,"end":606.115,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.4008454382419586},{"word":"the","start":606.115,"end":606.195,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.38510462641716},{"word":"side","start":606.195,"end":606.515,"confidence":0.98535156,"punctuated_word":"side","sentiment":"positive","sentiment_score":0.3676878809928894},{"word":"as","start":606.515,"end":606.675,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4770002961158752},{"word":"well","start":606.675,"end":606.995,"confidence":0.9406738,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.08449957519769669},{"word":"so","start":606.995,"end":607.395,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.42517802119255066},{"word":"everything's","start":607.395,"end":607.795,"confidence":0.9086914,"punctuated_word":"everything's","sentiment":"positive","sentiment_score":0.5516445636749268},{"word":"looking","start":607.795,"end":608.115,"confidence":1.0,"punctuated_word":"looking","sentiment":"positive","sentiment_score":0.5397686958312988},{"word":"like","start":608.115,"end":608.275,"confidence":0.9980469,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.6390992403030396},{"word":"it's","start":608.275,"end":608.55,"confidence":0.984375,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.6184266805648804},{"word":"slowly","start":608.70996,"end":609.19,"confidence":1.0,"punctuated_word":"slowly","sentiment":"positive","sentiment_score":0.6683183312416077},{"word":"coalescing","start":609.19,"end":609.69,"confidence":0.99853516,"punctuated_word":"coalescing","sentiment":"positive","sentiment_score":0.6732630729675293},{"word":"in","start":609.83,"end":609.91,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.7004131078720093},{"word":"a","start":609.91,"end":609.99,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6449687480926514},{"word":"good","start":609.99,"end":610.23,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6846752166748047},{"word":"direction","start":610.23,"end":610.73,"confidence":0.9995117,"punctuated_word":"direction.","sentiment":"positive","sentiment_score":0.6393593549728394},{"word":"perfect","start":612.87,"end":613.35,"confidence":0.9851074,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6935551166534424},{"word":"perfect","start":613.35,"end":613.67,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5149664878845215},{"word":"last","start":613.67,"end":613.91,"confidence":0.9970703,"punctuated_word":"Last","sentiment":"neutral","sentiment_score":0.15829040110111237},{"word":"couple","start":613.91,"end":614.14996,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.07439538836479187},{"word":"of","start":614.14996,"end":614.23,"confidence":0.7109375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11359785497188568},{"word":"details","start":614.23,"end":614.55,"confidence":0.99902344,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.11966318637132645},{"word":"i","start":614.55,"end":614.63,"confidence":0.8095703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09190575033426283},{"word":"just","start":614.63,"end":614.79,"confidence":0.9941406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09031803160905838},{"word":"wanna","start":614.79,"end":615.02997,"confidence":0.75,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.05449608713388443},{"word":"check","start":615.02997,"end":615.19,"confidence":0.9980469,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.07204008847475052},{"word":"with","start":615.19,"end":615.43,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06853888928890228},{"word":"you","start":615.43,"end":615.75,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06572196632623672},{"word":"is","start":615.75,"end":616.07,"confidence":0.94189453,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.055661968886852264},{"word":"did","start":616.07,"end":616.23,"confidence":0.64208984,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.031407006084918976},{"word":"you","start":616.23,"end":616.39,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02863304503262043},{"word":"end","start":616.39,"end":616.55,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.02243470959365368},{"word":"up","start":616.55,"end":616.63,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.01324370875954628},{"word":"putting","start":616.63,"end":616.87,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.03718559816479683},{"word":"in","start":616.87,"end":617.02997,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.035863518714904785},{"word":"place","start":617.02997,"end":617.26996,"confidence":0.8125,"punctuated_word":"place,","sentiment":"neutral","sentiment_score":0.05484982952475548},{"word":"like","start":617.26996,"end":617.43,"confidence":0.9970703,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.049440398812294006},{"word":"a","start":617.43,"end":617.58997,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04183102026581764},{"word":"will","start":617.58997,"end":617.83,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.054764650762081146},{"word":"or","start":617.83,"end":617.91,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.018679939210414886},{"word":"power","start":617.91,"end":618.14996,"confidence":0.9980469,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.05463651567697525},{"word":"of","start":618.14996,"end":618.31,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04026559740304947},{"word":"attorney","start":618.31,"end":618.81,"confidence":0.73706055,"punctuated_word":"attorney,","sentiment":"neutral","sentiment_score":0.018114101141691208},{"word":"state","start":619.11,"end":619.35,"confidence":0.94970703,"punctuated_word":"state","sentiment":"neutral","sentiment_score":0.029798803851008415},{"word":"planning","start":619.35,"end":619.83,"confidence":0.9614258,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.04216139391064644},{"word":"wise","start":619.83,"end":620.33,"confidence":0.9946289,"punctuated_word":"wise?","sentiment":"neutral","sentiment_score":0.01755872182548046},{"word":"yep","start":622.725,"end":623.225,"confidence":0.9555664,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.0031766097526997328},{"word":"yeah","start":633.46,"end":633.96,"confidence":0.9223633,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03642451390624046},{"word":"might","start":637.78,"end":638.10004,"confidence":0.98828125,"punctuated_word":"Might","sentiment":"neutral","sentiment_score":-0.09091164916753768},{"word":"be","start":638.10004,"end":638.34,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.16834236681461334},{"word":"out","start":638.34,"end":638.5,"confidence":0.9941406,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.1395871788263321},{"word":"of","start":638.5,"end":638.58,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.10960835963487624},{"word":"date","start":638.58,"end":638.9,"confidence":0.99902344,"punctuated_word":"date.","sentiment":"neutral","sentiment_score":-0.08569055795669556},{"word":"yep","start":638.9,"end":639.4,"confidence":0.87597656,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.011491799727082253},{"word":"i","start":642.66003,"end":642.74,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.064425528049469},{"word":"think","start":642.74,"end":643.06,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.037625931203365326},{"word":"their","start":643.06,"end":643.56,"confidence":0.96240234,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.014017745852470398},{"word":"their","start":644.58,"end":644.9,"confidence":0.93603516,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.02383081242442131},{"word":"guidelines","start":644.9,"end":645.4,"confidence":0.99902344,"punctuated_word":"guidelines","sentiment":"neutral","sentiment_score":0.03457166627049446},{"word":"are","start":645.46,"end":645.54004,"confidence":0.84521484,"punctuated_word":"are,","sentiment":"neutral","sentiment_score":0.041917137801647186},{"word":"like","start":645.54004,"end":645.915,"confidence":0.9975586,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.04170013219118118},{"word":"check","start":645.995,"end":646.235,"confidence":0.86035156,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.04155205562710762},{"word":"every","start":646.235,"end":646.39496,"confidence":0.7714844,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.019897393882274628},{"word":"three","start":646.39496,"end":646.795,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.017439015209674835},{"word":"years","start":646.795,"end":647.035,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.021036969497799873},{"word":"or","start":647.035,"end":647.27496,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.033106155693531036},{"word":"so","start":647.27496,"end":647.675,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.034835293889045715},{"word":"is","start":647.675,"end":647.83496,"confidence":0.7348633,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.030278539285063744},{"word":"usually","start":647.83496,"end":648.235,"confidence":0.99902344,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":0.04480074346065521},{"word":"pretty","start":648.235,"end":648.475,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.4463519454002381},{"word":"good","start":648.475,"end":648.975,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3448532819747925},{"word":"power","start":650.475,"end":650.71497,"confidence":0.94628906,"punctuated_word":"Power","sentiment":"neutral","sentiment_score":0.22405123710632324},{"word":"of","start":650.71497,"end":650.875,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10735855996608734},{"word":"attorney","start":650.875,"end":651.195,"confidence":0.9941406,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":0.08571220934391022},{"word":"is","start":651.195,"end":651.355,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12636002898216248},{"word":"really","start":651.355,"end":651.595,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.16390061378479004},{"word":"important","start":651.595,"end":651.995,"confidence":1.0,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.0793043002486229},{"word":"too","start":651.995,"end":652.235,"confidence":0.96362305,"punctuated_word":"too,","sentiment":"neutral","sentiment_score":0.1467895656824112},{"word":"i","start":652.235,"end":652.315,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15359970927238464},{"word":"think","start":652.315,"end":652.63495,"confidence":0.9440918,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":0.13923346996307373},{"word":"because","start":652.63495,"end":653.035,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.10105443000793456},{"word":"even","start":653.035,"end":653.535,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.08760643005371094},{"word":"even","start":653.83496,"end":654.07495,"confidence":0.99121094,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.10696181654930116},{"word":"the","start":654.07495,"end":654.315,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0852307677268982},{"word":"old","start":654.315,"end":654.63495,"confidence":0.9970703,"punctuated_word":"old","sentiment":"neutral","sentiment_score":0.07995492964982986},{"word":"$25","start":654.63495,"end":655.435,"confidence":0.9543457,"punctuated_word":"$25","sentiment":"neutral","sentiment_score":0.08976595103740692},{"word":"kit","start":655.435,"end":655.675,"confidence":0.9970703,"punctuated_word":"kit","sentiment":"neutral","sentiment_score":0.07071057707071304},{"word":"from","start":655.675,"end":655.915,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.1049746721982956},{"word":"the","start":655.915,"end":656.07495,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1048109084367752},{"word":"post","start":656.07495,"end":656.315,"confidence":0.9941406,"punctuated_word":"post","sentiment":"neutral","sentiment_score":0.1108858808875084},{"word":"office","start":656.315,"end":656.63495,"confidence":1.0,"punctuated_word":"office","sentiment":"neutral","sentiment_score":0.09872038662433624},{"word":"can","start":656.63495,"end":656.875,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.090552419424057},{"word":"make","start":656.875,"end":657.035,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.08931092172861099},{"word":"sure","start":657.035,"end":657.355,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.09270618855953217},{"word":"that","start":657.355,"end":657.755,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09408339112997056},{"word":"someone","start":657.755,"end":658.07495,"confidence":1.0,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.056136440485715866},{"word":"can","start":658.07495,"end":658.235,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07463227957487106},{"word":"talk","start":658.235,"end":658.475,"confidence":1.0,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.044612668454647064},{"word":"to","start":658.475,"end":658.555,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.055875279009342194},{"word":"the","start":658.555,"end":658.71497,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03856104612350464},{"word":"doctors","start":658.71497,"end":659.195,"confidence":0.99902344,"punctuated_word":"doctors","sentiment":"neutral","sentiment_score":0.05707120895385742},{"word":"and","start":659.195,"end":659.695,"confidence":0.9526367,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.037261366844177246},{"word":"access","start":660.0,"end":660.24,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.06816336512565613},{"word":"bank","start":660.24,"end":660.64,"confidence":1.0,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.08720346540212631},{"word":"accounts","start":660.64,"end":660.96,"confidence":1.0,"punctuated_word":"accounts","sentiment":"neutral","sentiment_score":0.011592842638492584},{"word":"and","start":660.96,"end":661.28,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05330556631088257},{"word":"not","start":661.28,"end":661.44,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.01272287219762802},{"word":"have","start":661.44,"end":661.60004,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.021476976573467255},{"word":"to","start":661.60004,"end":661.68,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06184893846511841},{"word":"go","start":661.68,"end":661.84,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.11489592492580414},{"word":"to","start":661.84,"end":662.0,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1737125813961029},{"word":"the","start":662.0,"end":662.16003,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13942396640777588},{"word":"courts","start":662.16003,"end":662.56,"confidence":0.9772949,"punctuated_word":"courts,","sentiment":"neutral","sentiment_score":-0.11752001196146011},{"word":"which","start":662.56,"end":662.72003,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.17909835278987885},{"word":"is","start":662.72003,"end":663.12,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.17932525277137756},{"word":"not","start":663.12,"end":663.36,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.15725496411323547},{"word":"as","start":663.36,"end":663.52,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.125864177942276},{"word":"fun","start":663.52,"end":664.02,"confidence":0.94091797,"punctuated_word":"fun.","sentiment":"neutral","sentiment_score":-0.07828405499458313},{"word":"so","start":664.16003,"end":664.4,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.002467779442667961},{"word":"that","start":664.4,"end":664.56,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0370844341814518},{"word":"might","start":664.56,"end":664.72003,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.08839491754770279},{"word":"be","start":664.72003,"end":665.12,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.09551490098237991},{"word":"do","start":665.2,"end":665.7,"confidence":0.4819336,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":-0.09103530645370483},{"word":"awesome","start":667.60004,"end":668.10004,"confidence":0.9909668,"punctuated_word":"Awesome.","sentiment":"neutral","sentiment_score":0.2794591784477234},{"word":"so","start":668.96,"end":669.2,"confidence":0.9873047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.058503612875938416},{"word":"addresses","start":669.2,"end":669.7,"confidence":0.9716797,"punctuated_word":"addresses","sentiment":"neutral","sentiment_score":0.06027236580848694},{"word":"still","start":669.76,"end":670.08,"confidence":0.9970703,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.0635087639093399},{"word":"stay","start":670.08,"end":670.32,"confidence":0.83984375,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":0.05202324688434601},{"word":"the","start":670.32,"end":670.4,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.047466978430747986},{"word":"same","start":670.4,"end":670.64,"confidence":0.98950195,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":0.05560304597020149},{"word":"you","start":670.64,"end":670.8,"confidence":0.9970703,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.028811302036046985},{"word":"still","start":670.8,"end":670.96,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.04004331678152085},{"word":"have","start":670.96,"end":671.2,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.038483627140522},{"word":"the","start":671.2,"end":671.28,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.026911666616797447},{"word":"one","start":671.28,"end":671.60004,"confidence":0.984375,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.020605769008398056},{"word":"dependent","start":671.60004,"end":672.10004,"confidence":0.9082031,"punctuated_word":"dependent.","sentiment":"neutral","sentiment_score":0.013673612847924232},{"word":"occupation","start":672.64,"end":673.14,"confidence":0.9995117,"punctuated_word":"Occupation","sentiment":"neutral","sentiment_score":0.00024235667660832405},{"word":"is","start":673.36,"end":673.60004,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0034206435084342957},{"word":"different","start":673.60004,"end":674.10004,"confidence":1.0,"punctuated_word":"different.","sentiment":"neutral","sentiment_score":-0.004638285376131535},{"word":"you","start":674.325,"end":674.485,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.01382824033498764},{"word":"guys","start":674.485,"end":674.645,"confidence":1.0,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":-0.0044543929398059845},{"word":"have","start":674.645,"end":674.72504,"confidence":0.98095703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.016468225046992302},{"word":"never","start":674.72504,"end":674.965,"confidence":1.0,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.025341955944895744},{"word":"gone","start":674.965,"end":675.28503,"confidence":0.9941406,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.0371689572930336},{"word":"through","start":675.28503,"end":675.445,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.04311322048306465},{"word":"a","start":675.445,"end":675.685,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03640283644199371},{"word":"a","start":675.685,"end":675.84503,"confidence":0.54785156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.042483679950237274},{"word":"bankruptcy","start":675.84503,"end":676.325,"confidence":1.0,"punctuated_word":"bankruptcy","sentiment":"neutral","sentiment_score":-0.06028270348906517},{"word":"or","start":676.325,"end":676.565,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.06690030544996262},{"word":"part","start":676.565,"end":676.805,"confidence":0.84814453,"punctuated_word":"part","sentiment":"neutral","sentiment_score":-0.0435837022960186},{"word":"nine","start":676.805,"end":676.965,"confidence":0.9980469,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":-0.03809702396392822},{"word":"debt","start":676.965,"end":677.205,"confidence":0.9970703,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":-0.06449292600154877},{"word":"agreement","start":677.205,"end":677.60504,"confidence":1.0,"punctuated_word":"agreement","sentiment":"neutral","sentiment_score":-0.04683137685060501},{"word":"before","start":677.60504,"end":677.925,"confidence":0.95996094,"punctuated_word":"before,","sentiment":"neutral","sentiment_score":-0.02792302332818508},{"word":"have","start":677.925,"end":678.085,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.01860036700963974},{"word":"you","start":678.085,"end":678.585,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":-0.0312444269657135},{"word":"nope","start":679.925,"end":680.405,"confidence":0.7062988,"punctuated_word":"Nope.","sentiment":"neutral","sentiment_score":-0.15003085136413574},{"word":"perfect","start":680.405,"end":680.905,"confidence":0.9995117,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":-0.0644453763961792},{"word":"yeah","start":681.765,"end":682.005,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.10893096774816512},{"word":"it's","start":682.005,"end":682.325,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.1255318522453308},{"word":"kind","start":682.325,"end":682.485,"confidence":0.9980469,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.13041172921657562},{"word":"of","start":682.485,"end":682.645,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12385361641645432},{"word":"like","start":682.645,"end":682.885,"confidence":0.8828125,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.12440742552280426},{"word":"a","start":682.885,"end":683.125,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1301446557044983},{"word":"type","start":683.125,"end":683.28503,"confidence":1.0,"punctuated_word":"type","sentiment":"neutral","sentiment_score":-0.14631658792495728},{"word":"of","start":683.28503,"end":683.525,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.13216865062713623},{"word":"bankruptcy","start":683.525,"end":684.025,"confidence":0.99609375,"punctuated_word":"bankruptcy,","sentiment":"neutral","sentiment_score":-0.14072266221046448},{"word":"but","start":684.085,"end":684.245,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.12357654422521593},{"word":"it's","start":684.245,"end":684.405,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.14664962887763977},{"word":"kinda","start":684.405,"end":684.72504,"confidence":0.75634766,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.13997796177864075},{"word":"like","start":684.72504,"end":684.885,"confidence":0.9838867,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.11094950139522552},{"word":"a","start":684.885,"end":684.965,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1280948966741562},{"word":"payment","start":684.965,"end":685.365,"confidence":1.0,"punctuated_word":"payment","sentiment":"neutral","sentiment_score":-0.111324742436409},{"word":"plan","start":685.365,"end":685.685,"confidence":0.9970703,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":-0.12526735663414},{"word":"bankruptcy","start":685.685,"end":686.185,"confidence":0.9675293,"punctuated_word":"bankruptcy.","sentiment":"neutral","sentiment_score":-0.12253732979297638},{"word":"not","start":686.565,"end":686.805,"confidence":0.9951172,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.1497112661600113},{"word":"as","start":686.805,"end":687.045,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.09250906109809875},{"word":"fun","start":687.045,"end":687.48,"confidence":0.9975586,"punctuated_word":"fun.","sentiment":"neutral","sentiment_score":-0.189281702041626},{"word":"amazing","start":689.32,"end":689.72,"confidence":0.99902344,"punctuated_word":"Amazing.","sentiment":"neutral","sentiment_score":0.09017939865589142},{"word":"so","start":689.72,"end":689.88,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1041560173034668},{"word":"that's","start":689.88,"end":690.12,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.13536010682582855},{"word":"pretty","start":690.12,"end":690.36,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.1666974127292633},{"word":"much","start":690.36,"end":690.6,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.22623029351234436},{"word":"it","start":690.6,"end":690.83997,"confidence":1.0,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.12874941527843475},{"word":"is","start":690.83997,"end":691.0,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.08000683784484863},{"word":"there","start":691.0,"end":691.16,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.0777420699596405},{"word":"anything","start":691.16,"end":691.39996,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.13329428434371948},{"word":"else","start":691.39996,"end":691.56,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.119592547416687},{"word":"on","start":691.56,"end":691.72,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08698248118162155},{"word":"the","start":691.72,"end":691.8,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06636514514684677},{"word":"cards","start":691.8,"end":692.12,"confidence":0.9951172,"punctuated_word":"cards","sentiment":"neutral","sentiment_score":0.05927550047636032},{"word":"for","start":692.12,"end":692.27997,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.043816834688186646},{"word":"you","start":692.27997,"end":692.36,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03827093541622162},{"word":"guys","start":692.36,"end":692.6,"confidence":0.99902344,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.06067631393671036},{"word":"the","start":692.6,"end":692.68,"confidence":0.7915039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04908713325858116},{"word":"next","start":692.68,"end":692.92,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.035505205392837524},{"word":"three","start":692.92,"end":693.16,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.04180549457669258},{"word":"to","start":693.16,"end":693.24,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.021053381264209747},{"word":"five","start":693.24,"end":693.48,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.03132306784391403},{"word":"years","start":693.48,"end":693.98,"confidence":0.9995117,"punctuated_word":"years?","sentiment":"neutral","sentiment_score":0.050565555691719055},{"word":"amazing","start":698.27997,"end":698.77997,"confidence":0.99658203,"punctuated_word":"Amazing.","sentiment":"neutral","sentiment_score":0.3160823583602905},{"word":"i","start":700.055,"end":700.21497,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0008635148406028748},{"word":"shall","start":700.21497,"end":700.535,"confidence":1.0,"punctuated_word":"shall","sentiment":"neutral","sentiment_score":-0.015444628894329073},{"word":"note","start":700.535,"end":700.855,"confidence":0.99902344,"punctuated_word":"note","sentiment":"neutral","sentiment_score":-0.013588730245828629},{"word":"that","start":700.855,"end":701.175,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02183624729514122},{"word":"down","start":701.175,"end":701.495,"confidence":0.9206543,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":-0.016728630289435387},{"word":"if","start":701.495,"end":701.735,"confidence":0.9970703,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.013520024716854095},{"word":"you","start":701.735,"end":701.815,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.003611380234360695},{"word":"do","start":701.895,"end":701.975,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0027619618922472},{"word":"you","start":701.975,"end":702.055,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.007305007427930832},{"word":"have","start":702.055,"end":702.295,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0029803812503814697},{"word":"any","start":702.295,"end":702.455,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.004885915666818619},{"word":"debt","start":702.455,"end":702.695,"confidence":0.8432617,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":-0.013214729726314545},{"word":"on","start":702.695,"end":702.855,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.006097674369812012},{"word":"it","start":702.855,"end":703.015,"confidence":0.88671875,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.008968830108642578},{"word":"or","start":703.015,"end":703.175,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.021264033392071724},{"word":"is","start":703.175,"end":703.335,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.015492189675569534},{"word":"it","start":703.335,"end":703.495,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.007478460669517517},{"word":"mainly","start":703.495,"end":703.735,"confidence":1.0,"punctuated_word":"mainly","sentiment":"neutral","sentiment_score":0.007783187553286552},{"word":"just","start":703.735,"end":703.975,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.00720258429646492},{"word":"a","start":703.975,"end":704.135,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.007849067449569702},{"word":"clean","start":704.135,"end":704.635,"confidence":1.0,"punctuated_word":"clean","sentiment":"neutral","sentiment_score":-0.002277906984090805},{"word":"purchase","start":704.775,"end":705.275,"confidence":0.9995117,"punctuated_word":"purchase?","sentiment":"neutral","sentiment_score":0.01229727268218994},{"word":"okay","start":707.815,"end":708.21497,"confidence":0.99658203,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0020559486001729965},{"word":"and","start":708.21497,"end":708.455,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.01242946833372116},{"word":"how","start":708.455,"end":708.615,"confidence":0.9892578,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.0020932890474796295},{"word":"much","start":708.615,"end":708.775,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.006322033703327179},{"word":"would","start":708.775,"end":709.015,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.0003102347254753113},{"word":"that","start":709.015,"end":709.175,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.018400799483060837},{"word":"go","start":709.175,"end":709.415,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.01473846286535263},{"word":"for","start":709.415,"end":709.915,"confidence":0.9995117,"punctuated_word":"for?","sentiment":"neutral","sentiment_score":-0.00787610188126564},{"word":"alright","start":714.47003,"end":714.79004,"confidence":0.9904785,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.11393224447965622},{"word":"i'll","start":714.79004,"end":714.95,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.102706640958786},{"word":"give","start":714.95,"end":715.11,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.09176986664533617},{"word":"the","start":715.11,"end":715.27,"confidence":0.63916016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09185430407524107},{"word":"old","start":715.27,"end":715.51,"confidence":0.9873047,"punctuated_word":"old","sentiment":"neutral","sentiment_score":0.06159473210573197},{"word":"75","start":715.51,"end":716.15,"confidence":1.0,"punctuated_word":"75","sentiment":"neutral","sentiment_score":0.07084690034389496},{"word":"in","start":716.15,"end":716.31,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08082351833581924},{"word":"the","start":716.31,"end":716.55,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07333995401859283},{"word":"middle","start":716.55,"end":717.05,"confidence":0.8547363,"punctuated_word":"middle.","sentiment":"neutral","sentiment_score":0.0915852040052414},{"word":"and","start":717.19,"end":717.69,"confidence":0.75341797,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.043029990047216415},{"word":"i","start":718.47003,"end":718.71,"confidence":0.65722656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0054886601865291595},{"word":"do","start":718.71,"end":718.87,"confidence":0.9760742,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.012574519962072372},{"word":"have","start":718.87,"end":719.03,"confidence":0.9819336,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.011206790804862976},{"word":"to","start":719.03,"end":719.19,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01910911127924919},{"word":"ask","start":719.19,"end":719.35004,"confidence":0.99902344,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":-0.013261325657367706},{"word":"you","start":719.35004,"end":719.51,"confidence":0.8959961,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.017618071287870407},{"word":"all","start":719.51,"end":719.58997,"confidence":0.84277344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.0010853148996829989},{"word":"a","start":719.58997,"end":719.67,"confidence":0.6489258,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.00728398934006691},{"word":"important","start":719.67,"end":719.99,"confidence":0.85839844,"punctuated_word":"important","sentiment":"neutral","sentiment_score":-0.02522139623761177},{"word":"question","start":719.99,"end":720.31,"confidence":0.98583984,"punctuated_word":"question.","sentiment":"neutral","sentiment_score":-0.0003536008298397064},{"word":"are","start":720.31,"end":720.47003,"confidence":1.0,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.02830974198877811},{"word":"you","start":720.47003,"end":720.63,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00484667532145977},{"word":"guys","start":720.63,"end":720.87,"confidence":1.0,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.008482551202178001},{"word":"planning","start":720.87,"end":721.35004,"confidence":1.0,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.012666387483477592},{"word":"to","start":721.35004,"end":721.83,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.019075335934758183},{"word":"one","start":721.83,"end":721.99,"confidence":0.9291992,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.019217774271965027},{"word":"day","start":721.99,"end":722.31,"confidence":1.0,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.01659829169511795},{"word":"caravan","start":722.31,"end":722.79004,"confidence":0.98535156,"punctuated_word":"caravan","sentiment":"neutral","sentiment_score":0.031572602689266205},{"word":"around","start":722.79004,"end":723.11,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.04146091639995575},{"word":"australia","start":723.11,"end":723.59,"confidence":0.99902344,"punctuated_word":"Australia","sentiment":"neutral","sentiment_score":0.04397829622030258},{"word":"in","start":723.59,"end":723.75,"confidence":0.9194336,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03513561934232712},{"word":"retirement","start":723.75,"end":724.23,"confidence":0.939209,"punctuated_word":"retirement,","sentiment":"neutral","sentiment_score":0.014620897360146046},{"word":"or","start":724.23,"end":724.39,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.011342242360115051},{"word":"is","start":724.39,"end":724.47003,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.01486344076693058},{"word":"it","start":724.47003,"end":724.63,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.014233553782105446},{"word":"more","start":724.63,"end":724.87,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.004199782386422157},{"word":"just","start":724.87,"end":725.19,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.015654385089874268},{"word":"for","start":725.19,"end":725.69,"confidence":0.9951172,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":-0.0012229559943079948},{"word":"you","start":725.75,"end":725.99,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.010801395401358604},{"word":"know","start":725.99,"end":726.15,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.004853811115026474},{"word":"the","start":726.15,"end":726.31,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02116965502500534},{"word":"next","start":726.31,"end":726.55,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.0127905011177063},{"word":"ten","start":726.55,"end":726.79004,"confidence":0.99902344,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.03407067060470581},{"word":"years","start":726.79004,"end":727.29004,"confidence":0.91845703,"punctuated_word":"years?","sentiment":"neutral","sentiment_score":0.04728879034519195},{"word":"yep","start":733.725,"end":734.20496,"confidence":0.9147949,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1153525933623314},{"word":"yep","start":734.20496,"end":734.605,"confidence":0.9909668,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2257688939571381},{"word":"amazing","start":734.605,"end":735.105,"confidence":0.9995117,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.5348650217056274},{"word":"and","start":735.96497,"end":736.20496,"confidence":0.98291016,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.371310830116272},{"word":"it's","start":736.20496,"end":736.365,"confidence":0.9975586,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.23542547225952148},{"word":"funny","start":736.365,"end":736.765,"confidence":1.0,"punctuated_word":"funny","sentiment":"neutral","sentiment_score":0.22464248538017273},{"word":"because","start":736.765,"end":737.08496,"confidence":0.9707031,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.15811024606227875},{"word":"it's","start":737.08496,"end":737.40497,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.08083884418010712},{"word":"a","start":737.40497,"end":737.485,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09472730755805968},{"word":"bit","start":737.485,"end":737.64496,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.10036510229110718},{"word":"of","start":737.64496,"end":737.805,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11229292303323746},{"word":"a","start":737.805,"end":737.885,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14737942814826965},{"word":"dream","start":737.885,"end":738.125,"confidence":1.0,"punctuated_word":"dream","sentiment":"neutral","sentiment_score":0.18510563671588895},{"word":"for","start":738.125,"end":738.285,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17009878158569336},{"word":"about","start":738.285,"end":738.445,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.17137321829795835},{"word":"half","start":738.445,"end":738.685,"confidence":1.0,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.24657754600048065},{"word":"of","start":738.685,"end":738.845,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19035959243774417},{"word":"australia","start":738.845,"end":739.245,"confidence":0.9790039,"punctuated_word":"Australia,","sentiment":"neutral","sentiment_score":0.18273060023784635},{"word":"which","start":739.245,"end":739.40497,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.11405490338802338},{"word":"is","start":739.40497,"end":739.565,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08179742842912674},{"word":"like","start":739.565,"end":739.725,"confidence":0.6269531,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.10379846394062042},{"word":"we'll","start":739.725,"end":739.885,"confidence":0.96972656,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.1148308515548706},{"word":"just","start":739.885,"end":740.045,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13933511078357697},{"word":"have","start":740.045,"end":740.20496,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13951241970062256},{"word":"the","start":740.20496,"end":740.285,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13190728425979614},{"word":"mortgage","start":740.285,"end":740.685,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.17173293232917786},{"word":"paid","start":740.685,"end":740.845,"confidence":0.99609375,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.1574866771697998},{"word":"off","start":740.845,"end":741.005,"confidence":0.90185547,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":0.15143904089927673},{"word":"we'll","start":741.005,"end":741.165,"confidence":0.9995117,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.1634732484817505},{"word":"hop","start":741.165,"end":741.325,"confidence":1.0,"punctuated_word":"hop","sentiment":"neutral","sentiment_score":0.2287999540567398},{"word":"in","start":741.325,"end":741.485,"confidence":0.9902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20326723158359528},{"word":"a","start":741.485,"end":741.565,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23053637146949768},{"word":"caravan","start":741.565,"end":742.045,"confidence":0.9890137,"punctuated_word":"caravan.","sentiment":"neutral","sentiment_score":0.20530879497528076},{"word":"we'll","start":742.045,"end":742.20496,"confidence":1.0,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.1526622176170349},{"word":"go","start":742.20496,"end":742.445,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.20618177950382233},{"word":"around","start":742.445,"end":742.685,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.1706678867340088},{"word":"the","start":742.685,"end":742.845,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12780918180942535},{"word":"country","start":742.845,"end":743.345,"confidence":1.0,"punctuated_word":"country.","sentiment":"neutral","sentiment_score":0.15567457675933838},{"word":"hopefully","start":744.02,"end":744.34,"confidence":0.9921875,"punctuated_word":"Hopefully,","sentiment":"neutral","sentiment_score":0.11293499171733856},{"word":"there's","start":744.34,"end":744.58,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.07262907922267914},{"word":"no","start":744.58,"end":744.82,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.03464827686548233},{"word":"oil","start":744.82,"end":745.14,"confidence":1.0,"punctuated_word":"oil","sentiment":"neutral","sentiment_score":-0.08353286236524582},{"word":"crisis","start":745.14,"end":745.54004,"confidence":0.9550781,"punctuated_word":"crisis","sentiment":"neutral","sentiment_score":-0.1722733974456787},{"word":"for","start":745.54004,"end":745.7,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.034854814410209656},{"word":"a","start":745.7,"end":745.78,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.014704957604408264},{"word":"lot","start":745.78,"end":745.94,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.037852272391319275},{"word":"of","start":745.94,"end":746.02,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04374004900455475},{"word":"people","start":746.02,"end":746.26,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.04702764004468918},{"word":"who","start":746.26,"end":746.42004,"confidence":1.0,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.06279221922159195},{"word":"are","start":746.42004,"end":746.66003,"confidence":0.99609375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.05451897531747818},{"word":"acquiring","start":746.66003,"end":747.14,"confidence":0.42236328,"punctuated_word":"acquiring","sentiment":"neutral","sentiment_score":0.04690537229180336},{"word":"with","start":747.14,"end":747.30005,"confidence":0.63378906,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.02614496275782585},{"word":"their","start":747.30005,"end":747.46,"confidence":0.54541016,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.023258201777935028},{"word":"caravans","start":747.46,"end":747.96,"confidence":0.99902344,"punctuated_word":"caravans","sentiment":"neutral","sentiment_score":0.06228140369057655},{"word":"because","start":748.02,"end":748.52,"confidence":0.80908203,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.03666432946920395},{"word":"that","start":748.82,"end":748.98004,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11709502339363098},{"word":"was","start":748.98004,"end":749.22003,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.12755480408668518},{"word":"probably","start":749.22003,"end":749.62,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.16264650225639343},{"word":"unforeseen","start":749.62,"end":750.12,"confidence":0.85498047,"punctuated_word":"unforeseen","sentiment":"neutral","sentiment_score":-0.15758401155471802},{"word":"in","start":750.18,"end":750.34,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.20171555876731873},{"word":"terms","start":750.34,"end":750.58,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":-0.17148958146572113},{"word":"of","start":750.58,"end":750.74005,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.216621994972229},{"word":"their","start":750.74005,"end":750.98004,"confidence":0.99902344,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.1828942596912384},{"word":"retirement","start":750.98004,"end":751.46,"confidence":1.0,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":-0.14121748507022858},{"word":"goals","start":751.46,"end":751.7,"confidence":0.9482422,"punctuated_word":"goals,","sentiment":"neutral","sentiment_score":-0.1495141088962555},{"word":"but","start":751.7,"end":751.94,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.08758306503295898},{"word":"you've","start":751.94,"end":752.18,"confidence":0.8925781,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.09607645869255066},{"word":"still","start":752.18,"end":752.34,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.10226127505302428},{"word":"got","start":752.34,"end":752.74005,"confidence":0.97998047,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.1304866373538971},{"word":"a","start":752.74005,"end":752.98004,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10450132936239244},{"word":"bit","start":752.98004,"end":753.14,"confidence":0.9790039,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.09871700406074524},{"word":"of","start":753.14,"end":753.22003,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12229131162166595},{"word":"time","start":753.22003,"end":753.46,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.12252043932676315},{"word":"for","start":753.46,"end":753.62,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.12289021909236908},{"word":"that","start":753.62,"end":753.78,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09807315468788148},{"word":"to","start":753.78,"end":753.94,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.097148559987545},{"word":"resolve","start":753.94,"end":754.44,"confidence":0.83496094,"punctuated_word":"resolve.","sentiment":"neutral","sentiment_score":-0.09730158001184464},{"word":"amazing","start":756.51495,"end":757.01495,"confidence":0.9970703,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.4410829544067383},{"word":"when","start":757.475,"end":757.63495,"confidence":0.7783203,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.28263312578201294},{"word":"it","start":757.63495,"end":757.795,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.21833404898643496},{"word":"comes","start":757.795,"end":758.115,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.22093072533607483},{"word":"to","start":758.115,"end":758.51495,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.29569172859191895},{"word":"retirement","start":758.51495,"end":758.995,"confidence":1.0,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.23933127522468567},{"word":"and","start":758.995,"end":759.235,"confidence":0.9863281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.25482720136642456},{"word":"super","start":759.235,"end":759.735,"confidence":0.9951172,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.26612699031829834},{"word":"so","start":760.27496,"end":760.435,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.18015651404857635},{"word":"you","start":760.435,"end":760.595,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23287518322467804},{"word":"can","start":760.595,"end":760.755,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2627396285533905},{"word":"access","start":760.755,"end":761.07495,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.23326145112514496},{"word":"your","start":761.07495,"end":761.235,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.22390083968639377},{"word":"super","start":761.235,"end":761.555,"confidence":0.9980469,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2924604117870331},{"word":"at","start":761.555,"end":761.63495,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.22249507904052737},{"word":"60","start":761.63495,"end":762.035,"confidence":0.9506836,"punctuated_word":"60,","sentiment":"neutral","sentiment_score":0.2926490604877472},{"word":"and","start":762.035,"end":762.19495,"confidence":0.9863281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.31303930282592773},{"word":"that's","start":762.19495,"end":762.355,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.24961286783218384},{"word":"your","start":762.355,"end":762.595,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.22817383706569672},{"word":"preservation","start":762.595,"end":763.095,"confidence":0.9980469,"punctuated_word":"preservation","sentiment":"neutral","sentiment_score":0.20487284660339355},{"word":"age","start":763.235,"end":763.735,"confidence":0.9440918,"punctuated_word":"age.","sentiment":"neutral","sentiment_score":0.1901652365922928},{"word":"and","start":764.115,"end":764.615,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05723564326763153},{"word":"67","start":764.83496,"end":765.555,"confidence":0.9995117,"punctuated_word":"67","sentiment":"neutral","sentiment_score":0.053926512598991394},{"word":"is","start":765.555,"end":765.63495,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03922799974679947},{"word":"when","start":765.63495,"end":765.875,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.04521464556455612},{"word":"the","start":765.875,"end":766.115,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0510060116648674},{"word":"age","start":766.115,"end":766.355,"confidence":0.9667969,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.046383023262023926},{"word":"pension","start":766.355,"end":766.855,"confidence":1.0,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.057075630873441696},{"word":"from","start":766.915,"end":767.315,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.05556333437561989},{"word":"centrelink","start":767.315,"end":767.815,"confidence":0.9163411,"punctuated_word":"Centrelink","sentiment":"neutral","sentiment_score":0.10813134908676147},{"word":"kicks","start":768.035,"end":768.27496,"confidence":1.0,"punctuated_word":"kicks","sentiment":"neutral","sentiment_score":0.10491110384464264},{"word":"in","start":768.27496,"end":768.77496,"confidence":0.9758301,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.09745994955301283},{"word":"so","start":769.08,"end":769.32,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09414020925760268},{"word":"it's","start":769.32,"end":769.56,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.09000986814498901},{"word":"a","start":769.56,"end":769.72003,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09557561576366425},{"word":"bit","start":769.72003,"end":769.88,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.0674671083688736},{"word":"of","start":769.88,"end":770.04004,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07821621000766754},{"word":"a","start":770.04004,"end":770.12006,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07926987111568451},{"word":"balancing","start":770.12006,"end":770.52,"confidence":0.9970703,"punctuated_word":"balancing","sentiment":"neutral","sentiment_score":0.06999966502189636},{"word":"act","start":770.52,"end":770.84,"confidence":1.0,"punctuated_word":"act","sentiment":"neutral","sentiment_score":0.09119062125682832},{"word":"between","start":770.84,"end":771.34,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.06970316171646118},{"word":"working","start":771.64,"end":772.04004,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.044293731451034546},{"word":"a","start":772.04004,"end":772.12006,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07331982254981995},{"word":"bit","start":772.12006,"end":772.36005,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.04747413843870163},{"word":"longer","start":772.36005,"end":772.84,"confidence":1.0,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":0.10003379732370377},{"word":"and","start":772.84,"end":773.08,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0760173499584198},{"word":"growing","start":773.08,"end":773.4,"confidence":1.0,"punctuated_word":"growing","sentiment":"neutral","sentiment_score":0.11315786838531494},{"word":"your","start":773.4,"end":773.64,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14996878802776337},{"word":"funds","start":773.64,"end":774.04004,"confidence":1.0,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.14056488871574402},{"word":"towards","start":774.04004,"end":774.44,"confidence":0.9970703,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.12542936205863953},{"word":"that","start":774.44,"end":774.68005,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11742907762527466},{"word":"age","start":774.68005,"end":774.92004,"confidence":0.9873047,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.07936101406812668},{"word":"pension","start":774.92004,"end":775.32,"confidence":0.99902344,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.057356443256139755},{"word":"age","start":775.32,"end":775.72003,"confidence":1.0,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.0699763223528862},{"word":"or","start":775.72003,"end":775.96,"confidence":0.86572266,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.08957947790622711},{"word":"growing","start":775.96,"end":776.28,"confidence":1.0,"punctuated_word":"growing","sentiment":"neutral","sentiment_score":0.0815022736787796},{"word":"it","start":776.28,"end":776.36005,"confidence":0.8989258,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14024552702903748},{"word":"a","start":776.36005,"end":776.44,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15947440266609192},{"word":"bit","start":776.44,"end":776.68005,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1425076425075531},{"word":"faster","start":776.68005,"end":777.08,"confidence":1.0,"punctuated_word":"faster","sentiment":"neutral","sentiment_score":0.19732627272605896},{"word":"and","start":777.08,"end":777.32,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19346150755882263},{"word":"retiring","start":777.32,"end":777.72003,"confidence":1.0,"punctuated_word":"retiring","sentiment":"neutral","sentiment_score":0.14808711409568787},{"word":"a","start":777.72003,"end":777.80005,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1633218377828598},{"word":"bit","start":777.80005,"end":778.12006,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.11334097385406494},{"word":"earlier","start":778.12006,"end":778.62006,"confidence":0.9970703,"punctuated_word":"earlier.","sentiment":"neutral","sentiment_score":0.1861683428287506},{"word":"i","start":778.76,"end":778.92004,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11364756524562836},{"word":"just","start":778.92004,"end":779.24005,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11103183031082152},{"word":"wanted","start":779.24005,"end":779.48004,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.07911019772291183},{"word":"to","start":779.48004,"end":779.64,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10301823914051056},{"word":"kind","start":779.64,"end":779.80005,"confidence":0.9941406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.12522214651107788},{"word":"of","start":779.80005,"end":779.96,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09753769636154176},{"word":"gauge","start":779.96,"end":780.2,"confidence":0.9970703,"punctuated_word":"gauge","sentiment":"neutral","sentiment_score":0.1044846847653389},{"word":"with","start":780.2,"end":780.44,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.10989852249622344},{"word":"you","start":780.44,"end":780.92004,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12983708083629608},{"word":"what","start":780.92004,"end":781.16003,"confidence":0.9633789,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1435471773147583},{"word":"you","start":781.16003,"end":781.4,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13494175672531128},{"word":"foresaw","start":781.4,"end":781.80005,"confidence":0.90283203,"punctuated_word":"foresaw","sentiment":"neutral","sentiment_score":0.12161847203969955},{"word":"for","start":781.80005,"end":782.04004,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12421222031116486},{"word":"you","start":782.04004,"end":782.2,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16911166906356812},{"word":"and","start":782.2,"end":782.28,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17490075528621674},{"word":"your","start":782.28,"end":782.52,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1691720485687256},{"word":"family","start":782.52,"end":783.02,"confidence":0.99658203,"punctuated_word":"family.","sentiment":"neutral","sentiment_score":0.14283864200115204},{"word":"yep","start":790.785,"end":791.105,"confidence":0.99560547,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09161414206027985},{"word":"so","start":791.105,"end":791.605,"confidence":0.9863281,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06610147655010223},{"word":"as","start":792.625,"end":792.865,"confidence":0.51660156,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07509967684745789},{"word":"early","start":792.865,"end":793.185,"confidence":0.99902344,"punctuated_word":"early","sentiment":"neutral","sentiment_score":0.07626982033252716},{"word":"as","start":793.185,"end":793.26495,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08408558368682861},{"word":"possible","start":793.26495,"end":793.76495,"confidence":0.99609375,"punctuated_word":"possible.","sentiment":"neutral","sentiment_score":0.06518583744764328},{"word":"amazing","start":806.8,"end":807.3,"confidence":0.9123535,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.41604018211364746},{"word":"and","start":819.085,"end":819.325,"confidence":0.79296875,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.17922599613666534},{"word":"there's","start":819.325,"end":819.565,"confidence":0.99902344,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.20822271704673767},{"word":"lots","start":819.565,"end":819.80505,"confidence":0.99902344,"punctuated_word":"lots","sentiment":"neutral","sentiment_score":0.24286189675331116},{"word":"of","start":819.80505,"end":820.04504,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22479379177093503},{"word":"different","start":820.04504,"end":820.445,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.21408963203430176},{"word":"strategies","start":820.445,"end":820.92505,"confidence":1.0,"punctuated_word":"strategies","sentiment":"neutral","sentiment_score":0.22323593497276303},{"word":"you","start":820.92505,"end":821.005,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2509889602661133},{"word":"can","start":821.005,"end":821.24506,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2742672860622406},{"word":"do","start":821.24506,"end":821.48505,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.26577627658843994},{"word":"too","start":821.48505,"end":821.80505,"confidence":0.888916,"punctuated_word":"too,","sentiment":"neutral","sentiment_score":0.22321493923664093},{"word":"like","start":821.80505,"end":822.04504,"confidence":0.84765625,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.18987074494361875},{"word":"when","start":822.04504,"end":822.205,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.2173159122467041},{"word":"it","start":822.205,"end":822.36505,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.17519469559192655},{"word":"comes","start":822.36505,"end":822.69,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.15769849717617035},{"word":"to","start":823.65,"end":823.73,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19648809731006625},{"word":"properties","start":823.73,"end":824.23,"confidence":0.99902344,"punctuated_word":"properties","sentiment":"neutral","sentiment_score":0.16986265778541565},{"word":"and","start":824.37,"end":824.69,"confidence":0.9863281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15330544114112854},{"word":"getting","start":824.69,"end":825.01,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.20353569090366364},{"word":"funds","start":825.01,"end":825.33,"confidence":0.9892578,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.1631719321012497},{"word":"into","start":825.33,"end":825.65,"confidence":0.8100586,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.17239882051944733},{"word":"super","start":825.65,"end":826.05,"confidence":0.9633789,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.258107990026474},{"word":"or","start":826.05,"end":826.55,"confidence":0.8798828,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.23568159341812137},{"word":"supplementing","start":826.69,"end":827.19,"confidence":0.99902344,"punctuated_word":"supplementing","sentiment":"neutral","sentiment_score":0.18059274554252625},{"word":"with","start":827.25,"end":827.49,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.22017791867256165},{"word":"rental","start":827.49,"end":827.97003,"confidence":1.0,"punctuated_word":"rental","sentiment":"neutral","sentiment_score":0.1424373835325241},{"word":"income","start":827.97003,"end":828.47003,"confidence":0.9926758,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.17636123299598694},{"word":"transition","start":829.17,"end":829.67,"confidence":0.8457031,"punctuated_word":"transition","sentiment":"neutral","sentiment_score":0.1754172146320343},{"word":"strategies","start":829.89,"end":830.39,"confidence":0.9970703,"punctuated_word":"strategies","sentiment":"neutral","sentiment_score":0.14491479098796844},{"word":"after","start":830.53,"end":830.85,"confidence":0.9892578,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.12082871794700624},{"word":"60","start":830.85,"end":831.33,"confidence":0.9916992,"punctuated_word":"60.","sentiment":"neutral","sentiment_score":0.10463228076696396},{"word":"so","start":831.33,"end":831.83,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1215067058801651},{"word":"there's","start":831.97003,"end":832.21,"confidence":0.99902344,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.18018941581249237},{"word":"enough","start":832.21,"end":832.45,"confidence":0.9941406,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":0.18260927498340607},{"word":"things","start":832.45,"end":832.69,"confidence":0.9951172,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.18267518281936648},{"word":"that","start":832.69,"end":832.77,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17459256947040558},{"word":"we","start":832.77,"end":832.93,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16193020343780518},{"word":"can","start":832.93,"end":833.09,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.18707311153411865},{"word":"kind","start":833.09,"end":833.33,"confidence":0.99316406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1676418036222458},{"word":"of","start":833.33,"end":833.41,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22780267894268036},{"word":"do","start":833.41,"end":833.65,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.162177175283432},{"word":"now","start":833.65,"end":833.89,"confidence":0.9975586,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.14150652289390564},{"word":"but","start":833.89,"end":834.05,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.1041429191827774},{"word":"there's","start":834.05,"end":834.29,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.07152813673019409},{"word":"also","start":834.29,"end":834.61,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.05348346382379532},{"word":"more","start":834.61,"end":834.85,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.06758726388216019},{"word":"coming","start":834.85,"end":835.17,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.11086772382259368},{"word":"down","start":835.17,"end":835.41,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.11932911723852158},{"word":"the","start":835.41,"end":835.49,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07914353162050247},{"word":"line","start":835.49,"end":835.73,"confidence":1.0,"punctuated_word":"line","sentiment":"neutral","sentiment_score":0.11885134130716324},{"word":"that","start":835.73,"end":835.97003,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1222359612584114},{"word":"can","start":835.97003,"end":836.13,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.12667472660541534},{"word":"kind","start":836.13,"end":836.29,"confidence":0.9970703,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.10097512602806091},{"word":"of","start":836.29,"end":836.45,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17036780714988708},{"word":"bump","start":836.45,"end":836.69,"confidence":0.99902344,"punctuated_word":"bump","sentiment":"neutral","sentiment_score":0.20524077117443085},{"word":"you","start":836.69,"end":836.77,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17884257435798645},{"word":"up","start":836.77,"end":836.93,"confidence":0.92333984,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.2145533561706543},{"word":"a","start":836.93,"end":837.09,"confidence":0.90527344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1816193610429764},{"word":"little","start":837.09,"end":837.41,"confidence":0.73828125,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.09859880805015564},{"word":"bit","start":837.41,"end":837.57,"confidence":0.98535156,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1175852119922638},{"word":"too","start":837.57,"end":837.975,"confidence":0.9916992,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":0.15038853883743286},{"word":"for","start":840.375,"end":840.615,"confidence":0.9838867,"punctuated_word":"For","sentiment":"neutral","sentiment_score":0.26482638716697693},{"word":"a","start":840.615,"end":840.69495,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2585882544517517},{"word":"bit","start":840.69495,"end":840.855,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.23704805970191956},{"word":"of","start":840.855,"end":841.01495,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23204737901687625},{"word":"a","start":841.01495,"end":841.095,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22171714901924133},{"word":"joint","start":841.095,"end":841.495,"confidence":1.0,"punctuated_word":"joint","sentiment":"neutral","sentiment_score":0.2910841703414917},{"word":"retirement","start":841.495,"end":841.975,"confidence":1.0,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.2326825261116028},{"word":"goal","start":841.975,"end":842.21497,"confidence":0.9941406,"punctuated_word":"goal,","sentiment":"neutral","sentiment_score":0.2225693166255951},{"word":"i","start":842.21497,"end":842.375,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1746509075164795},{"word":"just","start":842.375,"end":842.535,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.20234909653663635},{"word":"wanted","start":842.535,"end":842.855,"confidence":0.984375,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.16755487024784088},{"word":"to","start":842.855,"end":843.175,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17730659246444702},{"word":"quickly","start":843.175,"end":843.65497,"confidence":0.99902344,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.1757405400276184},{"word":"check","start":843.65497,"end":843.89496,"confidence":0.99902344,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.17465275526046753},{"word":"base","start":843.89496,"end":844.21497,"confidence":0.4543457,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.1879771649837494},{"word":"because","start":844.21497,"end":844.535,"confidence":0.42285156,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.23921571671962735},{"word":"of","start":844.535,"end":844.77496,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22020752727985385},{"word":"your","start":844.77496,"end":845.175,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18571078777313232},{"word":"your","start":845.175,"end":845.415,"confidence":0.98095703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17289069294929504},{"word":"balance","start":845.415,"end":845.735,"confidence":0.9819336,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.15892226994037628},{"word":"and","start":845.735,"end":845.815,"confidence":0.8989258,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22236664593219757},{"word":"your","start":845.815,"end":846.055,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1874367743730545},{"word":"income","start":846.055,"end":846.375,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.21885792911052704},{"word":"level","start":846.375,"end":846.69495,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.14273560047149658},{"word":"compared","start":846.69495,"end":847.175,"confidence":0.9951172,"punctuated_word":"compared","sentiment":"neutral","sentiment_score":0.22643311321735385},{"word":"to","start":847.175,"end":847.255,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22311696410179135},{"word":"your","start":847.255,"end":847.495,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13724973797798157},{"word":"partner","start":847.495,"end":847.995,"confidence":0.7998047,"punctuated_word":"partner.","sentiment":"neutral","sentiment_score":0.1516346037387848},{"word":"i","start":848.21497,"end":848.295,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14442922174930573},{"word":"just","start":848.295,"end":848.535,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12589849531650543},{"word":"wanted","start":848.535,"end":848.855,"confidence":0.9902344,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.09182416647672652},{"word":"to","start":848.855,"end":849.095,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10755248367786407},{"word":"briefly","start":849.095,"end":849.595,"confidence":1.0,"punctuated_word":"briefly","sentiment":"neutral","sentiment_score":0.09698539972305298},{"word":"discuss","start":849.65497,"end":850.15497,"confidence":1.0,"punctuated_word":"discuss","sentiment":"neutral","sentiment_score":0.10182300209999084},{"word":"what","start":850.535,"end":850.855,"confidence":0.9873047,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1087079718708992},{"word":"portion","start":850.855,"end":851.33496,"confidence":0.99902344,"punctuated_word":"portion","sentiment":"neutral","sentiment_score":0.099593885242939},{"word":"of","start":851.33496,"end":851.495,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11312003433704376},{"word":"that","start":851.495,"end":851.65497,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11977513879537582},{"word":"retirement","start":851.65497,"end":852.15497,"confidence":1.0,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.08903929591178894},{"word":"income","start":852.295,"end":852.69495,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.168493390083313},{"word":"do","start":852.69495,"end":852.855,"confidence":0.9941406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05866368860006333},{"word":"you","start":852.855,"end":852.935,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10446327924728394},{"word":"think","start":852.935,"end":853.175,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.08749482780694962},{"word":"you","start":853.175,"end":853.675,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10676506161689758},{"word":"would","start":854.11,"end":854.35004,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.11519622802734376},{"word":"need","start":854.35004,"end":854.43,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.09412527829408646},{"word":"to","start":854.43,"end":854.75,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1082380712032318},{"word":"contribute","start":854.75,"end":855.23004,"confidence":1.0,"punctuated_word":"contribute","sentiment":"neutral","sentiment_score":0.11890172213315964},{"word":"to","start":855.23004,"end":855.47003,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13934770226478577},{"word":"it","start":855.47003,"end":855.63,"confidence":0.8881836,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.10330599546432497},{"word":"like","start":855.63,"end":855.79004,"confidence":0.99902344,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.06196778267621994},{"word":"do","start":855.79004,"end":855.87,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05208886042237282},{"word":"you","start":855.87,"end":855.95,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06808950006961823},{"word":"have","start":855.95,"end":856.19,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.059523724019527435},{"word":"an","start":856.19,"end":856.27,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.05486222356557846},{"word":"estimate","start":856.27,"end":856.67,"confidence":1.0,"punctuated_word":"estimate","sentiment":"neutral","sentiment_score":0.08120507746934891},{"word":"on","start":856.67,"end":856.91003,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.056158311665058136},{"word":"his","start":856.91003,"end":857.15,"confidence":1.0,"punctuated_word":"his","sentiment":"neutral","sentiment_score":0.07273693382740021},{"word":"super","start":857.15,"end":857.47003,"confidence":0.9003906,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.10952749103307724},{"word":"balance","start":857.47003,"end":857.79004,"confidence":0.96875,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.10599097609519958},{"word":"and","start":857.79004,"end":857.95,"confidence":0.37280273,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06503304094076157},{"word":"i","start":857.95,"end":858.03,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09141510725021362},{"word":"can","start":858.03,"end":858.19,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08400626480579376},{"word":"kind","start":858.19,"end":858.27,"confidence":0.9902344,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.0550379641354084},{"word":"of","start":858.27,"end":858.43,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08504363894462585},{"word":"do","start":858.43,"end":858.59,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08040879666805267},{"word":"a","start":858.59,"end":858.67,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10637125372886658},{"word":"bit","start":858.67,"end":858.83,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.08491140604019165},{"word":"of","start":858.83,"end":858.99,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10641807317733765},{"word":"a","start":858.99,"end":859.07,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08147594332695007},{"word":"work","start":859.07,"end":859.31,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.05261566862463951},{"word":"back","start":859.31,"end":859.81,"confidence":0.8125,"punctuated_word":"back?","sentiment":"neutral","sentiment_score":0.0658596009016037},{"word":"yeah","start":866.125,"end":866.625,"confidence":0.9343262,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02181283198297024},{"word":"that's","start":875.965,"end":876.36505,"confidence":0.9914551,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.03932859376072883},{"word":"okay","start":876.36505,"end":876.86505,"confidence":0.99902344,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.07636093348264694},{"word":"yeah","start":882.94,"end":883.33997,"confidence":0.98999023,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13772797584533691},{"word":"so","start":883.33997,"end":883.74,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.17120139300823212},{"word":"one","start":883.74,"end":883.89996,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.23591743409633636},{"word":"thing","start":883.89996,"end":884.06,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.273170530796051},{"word":"that","start":884.06,"end":884.22,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23873712122440335},{"word":"we","start":884.22,"end":884.45996,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.246331587433815},{"word":"can","start":884.45996,"end":884.69995,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2702837586402893},{"word":"do","start":884.69995,"end":884.86,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.27960243821144104},{"word":"is","start":884.86,"end":885.33997,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2695915699005127},{"word":"you're","start":885.42,"end":885.66,"confidence":0.99316406,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.27627867460250854},{"word":"in","start":885.66,"end":885.82,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.28016144037246704},{"word":"a","start":885.82,"end":885.98,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2964231073856354},{"word":"pretty","start":885.98,"end":886.3,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.27204784750938416},{"word":"high","start":886.3,"end":886.54,"confidence":1.0,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.2876182496547699},{"word":"growth","start":886.54,"end":887.04,"confidence":0.99902344,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.27294492721557617},{"word":"portfolio","start":887.26,"end":887.76,"confidence":0.7709961,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.2276977002620697},{"word":"so","start":888.06,"end":888.3,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.22758248448371887},{"word":"the","start":888.3,"end":888.38,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24570563435554504},{"word":"whole","start":888.38,"end":888.69995,"confidence":1.0,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":0.22047290205955505},{"word":"aim","start":888.69995,"end":889.01996,"confidence":1.0,"punctuated_word":"aim","sentiment":"neutral","sentiment_score":0.2731894850730896},{"word":"is","start":889.01996,"end":889.26,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.29842397570610046},{"word":"just","start":889.26,"end":889.5,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.3107120394706726},{"word":"kind","start":889.5,"end":889.66,"confidence":0.9941406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.27052897214889526},{"word":"of","start":889.66,"end":889.82,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2767590880393982},{"word":"catch","start":889.82,"end":890.06,"confidence":1.0,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":0.3301202654838562},{"word":"you","start":890.06,"end":890.13995,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2364816963672638},{"word":"up","start":890.13995,"end":890.45996,"confidence":0.7902832,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.23091305792331696},{"word":"get","start":890.45996,"end":890.62,"confidence":0.99902344,"punctuated_word":"Get","sentiment":"neutral","sentiment_score":0.16129527986049652},{"word":"as","start":890.62,"end":890.77997,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.19524623453617096},{"word":"much","start":890.77997,"end":891.01996,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.21127305924892423},{"word":"returns","start":891.01996,"end":891.51996,"confidence":0.62646484,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":0.29009130597114563},{"word":"as","start":892.06,"end":892.22,"confidence":0.47851562,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11337384581565856},{"word":"possible","start":892.22,"end":892.72,"confidence":0.96875,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":0.12965205311775208},{"word":"as","start":893.065,"end":893.22504,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1366383284330368},{"word":"you","start":893.22504,"end":893.385,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01965440064668655},{"word":"get","start":893.385,"end":893.78503,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.004530623555183411},{"word":"closer","start":893.78503,"end":894.18506,"confidence":0.99902344,"punctuated_word":"closer","sentiment":"neutral","sentiment_score":-0.0006049871444702148},{"word":"to","start":894.18506,"end":894.42505,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.028328418731689453},{"word":"retirement","start":894.42505,"end":894.905,"confidence":0.9980469,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.030950084328651428},{"word":"because","start":894.905,"end":895.405,"confidence":0.76904297,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":0.007091425359249115},{"word":"you","start":895.465,"end":895.625,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.012470133602619171},{"word":"know","start":895.625,"end":895.945,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.015843665227293968},{"word":"twenty","start":895.945,"end":896.18506,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.029288582503795624},{"word":"years","start":896.18506,"end":896.42505,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.0013495087623596191},{"word":"from","start":896.42505,"end":896.585,"confidence":0.9980469,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.005364961922168732},{"word":"now","start":896.585,"end":896.825,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.011724911630153656},{"word":"is","start":896.825,"end":897.065,"confidence":0.9892578,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.005189627408981323},{"word":"quite","start":897.065,"end":897.30505,"confidence":1.0,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.019200824201107025},{"word":"a","start":897.30505,"end":897.385,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.023802191019058228},{"word":"while","start":897.385,"end":897.705,"confidence":1.0,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.0029934197664260864},{"word":"to","start":897.705,"end":897.945,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.014859035611152647},{"word":"project","start":897.945,"end":898.42505,"confidence":0.99902344,"punctuated_word":"project","sentiment":"neutral","sentiment_score":0.0532720685005188},{"word":"out","start":898.42505,"end":898.92505,"confidence":0.95825195,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.03825192525982857},{"word":"we","start":899.22504,"end":899.465,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.07709065079689026},{"word":"can","start":899.465,"end":899.965,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09802740812301636},{"word":"refine","start":900.42505,"end":900.92505,"confidence":0.99902344,"punctuated_word":"refine","sentiment":"neutral","sentiment_score":0.0801907330751419},{"word":"that","start":901.065,"end":901.30505,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12511387467384338},{"word":"joint","start":901.30505,"end":901.78503,"confidence":1.0,"punctuated_word":"joint","sentiment":"neutral","sentiment_score":0.14832426607608795},{"word":"retirement","start":901.78503,"end":902.28503,"confidence":1.0,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.10881400108337402},{"word":"planning","start":902.585,"end":903.085,"confidence":1.0,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.16428369283676147},{"word":"conversation","start":903.145,"end":903.645,"confidence":0.99902344,"punctuated_word":"conversation","sentiment":"neutral","sentiment_score":0.14640143513679504},{"word":"when","start":903.705,"end":903.86505,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.08689562976360321},{"word":"you","start":903.86505,"end":904.025,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11426040530204772},{"word":"get","start":904.025,"end":904.18506,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.06419289112091064},{"word":"a","start":904.18506,"end":904.265,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09293218702077866},{"word":"bit","start":904.265,"end":904.42505,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.046979181468486786},{"word":"closer","start":904.42505,"end":904.92505,"confidence":0.9494629,"punctuated_word":"closer,","sentiment":"neutral","sentiment_score":0.05471722409129143},{"word":"like","start":904.98505,"end":905.22504,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.07171683013439178},{"word":"late","start":905.22504,"end":905.465,"confidence":0.8017578,"punctuated_word":"late","sentiment":"neutral","sentiment_score":0.06910642981529236},{"word":"fifties","start":905.465,"end":905.965,"confidence":0.9901123,"punctuated_word":"fifties.","sentiment":"neutral","sentiment_score":0.0684567466378212},{"word":"if","start":907.7,"end":908.02,"confidence":0.9951172,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.02659246139228344},{"word":"for","start":908.02,"end":908.18,"confidence":0.8408203,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.010279323905706406},{"word":"now","start":908.18,"end":908.33997,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.004092555493116379},{"word":"the","start":908.33997,"end":908.5,"confidence":0.80078125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.011580966413021088},{"word":"focus","start":908.5,"end":908.89996,"confidence":1.0,"punctuated_word":"focus","sentiment":"neutral","sentiment_score":-0.011915050446987152},{"word":"is","start":908.89996,"end":909.06,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.045287951827049255},{"word":"just","start":909.06,"end":909.22,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06389033794403076},{"word":"get","start":909.22,"end":909.38,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.053532689809799194},{"word":"as","start":909.38,"end":909.54,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.06241742521524429},{"word":"much","start":909.54,"end":909.77997,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.0077247172594070435},{"word":"as","start":909.77997,"end":910.02,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.010657552629709244},{"word":"possible","start":910.02,"end":910.52,"confidence":0.9946289,"punctuated_word":"possible,","sentiment":"neutral","sentiment_score":0.020403778180480003},{"word":"we","start":910.74,"end":910.89996,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03743800520896912},{"word":"can","start":910.89996,"end":911.39996,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03482048213481903},{"word":"focus","start":911.77997,"end":912.26,"confidence":1.0,"punctuated_word":"focus","sentiment":"neutral","sentiment_score":0.017836183309555054},{"word":"there","start":912.26,"end":912.76,"confidence":0.99902344,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.06982335448265076},{"word":"absolutely","start":914.98,"end":915.48,"confidence":0.97021484,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.11733002215623856},{"word":"and","start":915.7,"end":916.2,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.038836315274238586},{"word":"we've","start":917.3,"end":917.54,"confidence":0.85595703,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.011825199238955976},{"word":"got","start":917.54,"end":917.86,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.011547349393367767},{"word":"a","start":917.86,"end":918.02,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.002770155668258667},{"word":"few","start":918.02,"end":918.52,"confidence":0.99902344,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.01071023941040039},{"word":"a","start":918.98,"end":919.14,"confidence":0.9873047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.012640893459320068},{"word":"few","start":919.14,"end":919.38,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.007146790623664856},{"word":"market","start":919.38,"end":919.77997,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.029503047466278076},{"word":"cycles","start":919.77997,"end":920.27997,"confidence":0.9604492,"punctuated_word":"cycles,","sentiment":"neutral","sentiment_score":0.009441722184419632},{"word":"i","start":920.42,"end":920.58,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.041595786809921265},{"word":"would","start":920.58,"end":920.89996,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.0278698205947876},{"word":"sort","start":920.89996,"end":921.14,"confidence":0.9941406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.02445022016763687},{"word":"of","start":921.14,"end":921.3,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0034143030643463135},{"word":"say","start":921.3,"end":921.795,"confidence":0.94555664,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.059262312948703766},{"word":"for","start":922.035,"end":922.195,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.030148915946483612},{"word":"you","start":922.195,"end":922.27496,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05837947502732277},{"word":"as","start":922.27496,"end":922.51495,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.04344315454363823},{"word":"well","start":922.51495,"end":922.755,"confidence":0.984375,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.0245651938021183},{"word":"like","start":922.755,"end":922.915,"confidence":0.9970703,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.0107395239174366},{"word":"yes","start":922.915,"end":923.15497,"confidence":0.8232422,"punctuated_word":"yes,","sentiment":"neutral","sentiment_score":0.018033552914857864},{"word":"it's","start":923.15497,"end":923.315,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.013051122426986694},{"word":"not","start":923.315,"end":923.555,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.0199870765209198},{"word":"too","start":923.555,"end":923.795,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.05266902595758438},{"word":"far","start":923.795,"end":924.035,"confidence":1.0,"punctuated_word":"far","sentiment":"neutral","sentiment_score":-0.08268745243549347},{"word":"off","start":924.035,"end":924.27496,"confidence":0.9316406,"punctuated_word":"off,","sentiment":"neutral","sentiment_score":-0.031632162630558014},{"word":"but","start":924.27496,"end":924.77496,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.005300253629684448},{"word":"every","start":924.915,"end":925.415,"confidence":0.99902344,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.03882202133536339},{"word":"seven","start":925.475,"end":925.795,"confidence":1.0,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":-0.061729736626148224},{"word":"years","start":925.795,"end":926.115,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.04109903424978256},{"word":"or","start":926.115,"end":926.355,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0500432625412941},{"word":"so","start":926.355,"end":926.83496,"confidence":0.9658203,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":-0.03494766727089882},{"word":"the","start":926.83496,"end":926.995,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.041698671877384186},{"word":"market","start":926.995,"end":927.315,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.03345828503370285},{"word":"tends","start":927.315,"end":927.635,"confidence":1.0,"punctuated_word":"tends","sentiment":"neutral","sentiment_score":-0.060704562813043594},{"word":"to","start":927.635,"end":927.795,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07582471519708633},{"word":"grow","start":927.795,"end":928.035,"confidence":1.0,"punctuated_word":"grow","sentiment":"neutral","sentiment_score":-0.023135066032409668},{"word":"for","start":928.035,"end":928.15497,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.11049031466245653},{"word":"a","start":928.15497,"end":928.27496,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08018383383750916},{"word":"few","start":928.27496,"end":928.51495,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.08375008404254913},{"word":"years","start":928.51495,"end":928.755,"confidence":0.8720703,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":-0.046497978270053864},{"word":"and","start":928.755,"end":928.915,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04306921735405922},{"word":"then","start":928.915,"end":929.075,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.03813370317220688},{"word":"there's","start":929.075,"end":929.315,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.07524266839027405},{"word":"some","start":929.315,"end":929.555,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.1203959658741951},{"word":"sort","start":929.555,"end":929.71497,"confidence":0.99902344,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.13020122051239014},{"word":"of","start":929.71497,"end":929.875,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1516023874282837},{"word":"event","start":929.875,"end":930.195,"confidence":0.9970703,"punctuated_word":"event","sentiment":"neutral","sentiment_score":-0.133431538939476},{"word":"that","start":930.195,"end":930.355,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.10412341356277466},{"word":"makes","start":930.355,"end":930.595,"confidence":0.99902344,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":-0.12114159762859344},{"word":"it","start":930.595,"end":930.83496,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.14084948599338531},{"word":"crash","start":930.83496,"end":931.33496,"confidence":0.90234375,"punctuated_word":"crash.","sentiment":"neutral","sentiment_score":-0.11038768291473389},{"word":"covid","start":931.39496,"end":931.89496,"confidence":0.95703125,"punctuated_word":"COVID,","sentiment":"neutral","sentiment_score":-0.07040491700172424},{"word":"gfc","start":932.035,"end":932.535,"confidence":0.9108073,"punctuated_word":"GFC,","sentiment":"neutral","sentiment_score":-0.03359690308570862},{"word":"war","start":933.635,"end":933.795,"confidence":0.25756836,"punctuated_word":"war","sentiment":"neutral","sentiment_score":-0.06491866707801819},{"word":"in","start":933.795,"end":933.95496,"confidence":0.5078125,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.07604919373989105},{"word":"iran","start":933.95496,"end":934.45496,"confidence":0.96850586,"punctuated_word":"Iran.","sentiment":"neutral","sentiment_score":-0.02645368874073029},{"word":"and","start":934.915,"end":935.415,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.0018368996679782867},{"word":"if","start":935.475,"end":935.635,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.014854240231215954},{"word":"you","start":935.635,"end":935.795,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.022199269384145737},{"word":"repeat","start":935.795,"end":936.195,"confidence":1.0,"punctuated_word":"repeat","sentiment":"neutral","sentiment_score":-0.011823508888483047},{"word":"that","start":936.195,"end":936.51495,"confidence":0.99609375,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.02891712635755539},{"word":"let's","start":936.51495,"end":936.83496,"confidence":1.0,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":-0.0291440486907959},{"word":"say","start":936.83496,"end":937.33496,"confidence":0.9172363,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.016881313174962997},{"word":"fourteen","start":937.68,"end":938.0,"confidence":0.99902344,"punctuated_word":"fourteen","sentiment":"neutral","sentiment_score":-0.02278081513941288},{"word":"years","start":938.0,"end":938.32,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.004753682762384415},{"word":"from","start":938.32,"end":938.48,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.0007910206913948059},{"word":"now","start":938.48,"end":938.8,"confidence":0.9707031,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":-0.009937851689755917},{"word":"you've","start":938.8,"end":939.12,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.015782151371240616},{"word":"got","start":939.12,"end":939.36,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.030694467946887016},{"word":"almost","start":939.36,"end":939.76,"confidence":1.0,"punctuated_word":"almost","sentiment":"neutral","sentiment_score":-0.015201309695839882},{"word":"one","start":939.76,"end":940.0,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.03044196031987667},{"word":"market","start":940.0,"end":940.48,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.03141472116112709},{"word":"cycle","start":940.48,"end":940.72003,"confidence":1.0,"punctuated_word":"cycle","sentiment":"neutral","sentiment_score":-0.0036788061261177063},{"word":"to","start":940.72003,"end":940.88,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.020183254033327103},{"word":"get","start":940.88,"end":941.04,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.03121432289481163},{"word":"as","start":941.04,"end":941.2,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.014112677425146105},{"word":"much","start":941.2,"end":941.44,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.01803513616323471},{"word":"growth","start":941.44,"end":941.68,"confidence":0.99902344,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.013849224895238876},{"word":"as","start":941.68,"end":941.84,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.03083176165819168},{"word":"possible","start":941.84,"end":942.34,"confidence":0.88012695,"punctuated_word":"possible.","sentiment":"neutral","sentiment_score":-0.036502860486507416},{"word":"you'd","start":942.72003,"end":943.04,"confidence":0.8718262,"punctuated_word":"You'd","sentiment":"neutral","sentiment_score":-0.07577744871377945},{"word":"probably","start":943.04,"end":943.44,"confidence":0.9951172,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.17798423767089844},{"word":"don't","start":943.44,"end":943.6,"confidence":0.9309082,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1989561766386032},{"word":"wanna","start":943.6,"end":943.92,"confidence":0.78759766,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.20073755085468292},{"word":"be","start":943.92,"end":944.08,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.26336783170700073},{"word":"high","start":944.08,"end":944.24,"confidence":0.9970703,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.3188503086566925},{"word":"risk","start":944.24,"end":944.56,"confidence":0.99902344,"punctuated_word":"risk","sentiment":"negative","sentiment_score":-0.3517787456512451},{"word":"at","start":944.56,"end":944.64,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.2991313934326172},{"word":"the","start":944.64,"end":944.8,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2277631014585495},{"word":"age","start":944.8,"end":944.96,"confidence":1.0,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.25405338406562805},{"word":"of","start":944.96,"end":945.12,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2009086161851883},{"word":"62","start":945.12,"end":946.1,"confidence":0.99902344,"punctuated_word":"62","sentiment":"neutral","sentiment_score":-0.2080029547214508},{"word":"and","start":946.24,"end":946.48,"confidence":0.9873047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1505400687456131},{"word":"lose","start":946.48,"end":946.8,"confidence":1.0,"punctuated_word":"lose","sentiment":"neutral","sentiment_score":-0.18367035686969757},{"word":"half","start":946.8,"end":946.96,"confidence":1.0,"punctuated_word":"half","sentiment":"neutral","sentiment_score":-0.18122877180576324},{"word":"your","start":946.96,"end":947.2,"confidence":0.94384766,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.23157310485839844},{"word":"super","start":947.2,"end":947.52,"confidence":0.96777344,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.26595041155815125},{"word":"to","start":947.52,"end":947.68,"confidence":0.62158203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1833508163690567},{"word":"a","start":947.68,"end":947.84,"confidence":0.9526367,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.25100433826446533},{"word":"stock","start":947.84,"end":948.08,"confidence":0.9892578,"punctuated_word":"stock","sentiment":"negative","sentiment_score":-0.36459773778915405},{"word":"market","start":948.08,"end":948.48,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.30706366896629333},{"word":"crash","start":948.48,"end":948.88,"confidence":0.99316406,"punctuated_word":"crash","sentiment":"neutral","sentiment_score":-0.24868416786193848},{"word":"just","start":948.88,"end":949.12,"confidence":0.9863281,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2535966634750366},{"word":"before","start":949.12,"end":949.44,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.19616468250751495},{"word":"retirement","start":949.44,"end":949.92,"confidence":0.99853516,"punctuated_word":"retirement.","sentiment":"neutral","sentiment_score":-0.18359944224357605},{"word":"do","start":949.92,"end":950.0,"confidence":0.6074219,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.08179273456335068},{"word":"you","start":950.0,"end":950.08,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06675995886325836},{"word":"know","start":950.08,"end":950.24,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.08578494191169739},{"word":"what","start":950.24,"end":950.4,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.07253691554069519},{"word":"i","start":950.4,"end":950.48,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05707026273012161},{"word":"mean","start":950.48,"end":950.835,"confidence":1.0,"punctuated_word":"mean?","sentiment":"neutral","sentiment_score":-0.04016202688217163},{"word":"so","start":952.195,"end":952.435,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.194444477558136},{"word":"it's","start":952.435,"end":952.59503,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.19535601139068604},{"word":"like","start":952.59503,"end":952.835,"confidence":0.97314453,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.17958079278469086},{"word":"we","start":952.835,"end":952.995,"confidence":0.9248047,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.24894048273563385},{"word":"can","start":952.995,"end":953.155,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.26295340061187744},{"word":"grow","start":953.155,"end":953.395,"confidence":1.0,"punctuated_word":"grow","sentiment":"neutral","sentiment_score":0.28104811906814575},{"word":"it","start":953.395,"end":953.635,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.22085735201835632},{"word":"for","start":953.635,"end":953.79504,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1957101672887802},{"word":"one","start":953.79504,"end":954.03503,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.2283499091863632},{"word":"cycle","start":954.03503,"end":954.53503,"confidence":1.0,"punctuated_word":"cycle","sentiment":"neutral","sentiment_score":0.2483258694410324},{"word":"and","start":954.755,"end":954.995,"confidence":0.9604492,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2036821246147156},{"word":"then","start":954.995,"end":955.315,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.19048331677913663},{"word":"slowly","start":955.315,"end":955.715,"confidence":1.0,"punctuated_word":"slowly","sentiment":"neutral","sentiment_score":0.2234533280134201},{"word":"reduce","start":955.715,"end":956.11505,"confidence":1.0,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.12117855995893478},{"word":"the","start":956.11505,"end":956.275,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15095104277133942},{"word":"risk","start":956.275,"end":956.59503,"confidence":0.99902344,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.04927544295787811},{"word":"for","start":956.59503,"end":956.755,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11810337007045746},{"word":"the","start":956.755,"end":956.835,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15900994837284088},{"word":"second","start":956.835,"end":957.23505,"confidence":1.0,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.13407549262046814},{"word":"cycle","start":957.23505,"end":957.73505,"confidence":0.88012695,"punctuated_word":"cycle,","sentiment":"neutral","sentiment_score":0.1976245641708374},{"word":"and","start":957.875,"end":958.11505,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21581469476222992},{"word":"that","start":958.11505,"end":958.35504,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2653190791606903},{"word":"could","start":958.35504,"end":958.67505,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.2527919113636017},{"word":"look","start":958.67505,"end":958.91504,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.21415823698043823},{"word":"like","start":958.91504,"end":959.23505,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.21727366745471952},{"word":"going","start":959.23505,"end":959.715,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.23259899020195007},{"word":"from","start":959.715,"end":960.215,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.21779443323612213},{"word":"90","start":960.755,"end":961.23505,"confidence":1.0,"punctuated_word":"90","sentiment":"neutral","sentiment_score":0.23733928799629211},{"word":"to","start":961.23505,"end":961.47504,"confidence":0.9589844,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15907257795333862},{"word":"a","start":961.47504,"end":961.635,"confidence":0.9316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21873784065246585},{"word":"100%","start":961.635,"end":962.35504,"confidence":0.9980469,"punctuated_word":"100%","sentiment":"neutral","sentiment_score":0.2467772364616394},{"word":"in","start":962.35504,"end":962.755,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.223434254527092},{"word":"growth","start":962.755,"end":963.075,"confidence":0.9980469,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.20052795112133023},{"word":"assets","start":963.075,"end":963.47504,"confidence":1.0,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.20922599732875824},{"word":"like","start":963.47504,"end":963.635,"confidence":0.51904297,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.19495384395122528},{"word":"shares","start":963.635,"end":963.955,"confidence":1.0,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.22527852654457092},{"word":"and","start":963.955,"end":964.11505,"confidence":0.9863281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23571690917015076},{"word":"property","start":964.11505,"end":964.61505,"confidence":0.77075195,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.1892077773809433},{"word":"and","start":964.79004,"end":964.95,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1279882937669754},{"word":"then","start":964.95,"end":965.11005,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.11928781867027284},{"word":"gradually","start":965.11005,"end":965.61005,"confidence":0.99902344,"punctuated_word":"gradually","sentiment":"neutral","sentiment_score":0.12098591029644012},{"word":"trim","start":965.67004,"end":966.07,"confidence":0.9970703,"punctuated_word":"trim","sentiment":"neutral","sentiment_score":0.07112907618284225},{"word":"that","start":966.07,"end":966.31,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.077323317527771},{"word":"down","start":966.31,"end":966.55005,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.0729319304227829},{"word":"the","start":966.55005,"end":966.63,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03718169778585434},{"word":"last","start":966.63,"end":966.95,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.024449143558740616},{"word":"seven","start":966.95,"end":967.27,"confidence":1.0,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":0.06328417360782623},{"word":"years","start":967.27,"end":967.77,"confidence":0.8762207,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.07197296619415283},{"word":"eighty","start":967.99005,"end":968.49005,"confidence":0.9926758,"punctuated_word":"eighty,","sentiment":"neutral","sentiment_score":0.10309496521949768},{"word":"seventy","start":968.55005,"end":969.05005,"confidence":0.99902344,"punctuated_word":"seventy,","sentiment":"neutral","sentiment_score":0.09776444733142851},{"word":"60","start":969.19,"end":969.59,"confidence":0.99902344,"punctuated_word":"60,","sentiment":"neutral","sentiment_score":0.09391380846500395},{"word":"40%","start":969.59,"end":970.89,"confidence":0.92163086,"punctuated_word":"40%,","sentiment":"neutral","sentiment_score":0.1268351525068283},{"word":"and","start":970.95,"end":971.11005,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08427694439888},{"word":"then","start":971.11005,"end":971.35004,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1017848551273346},{"word":"there's","start":971.35004,"end":971.59,"confidence":0.9975586,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.09019085019826888},{"word":"your","start":971.59,"end":971.75,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08419974893331528},{"word":"pension","start":971.75,"end":972.23004,"confidence":1.0,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.07750832289457321},{"word":"account","start":972.23004,"end":972.47003,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.06885561347007751},{"word":"in","start":972.47003,"end":972.63,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.058532558381557465},{"word":"your","start":972.63,"end":972.87,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06592768430709839},{"word":"sixties","start":972.87,"end":973.35004,"confidence":0.98999023,"punctuated_word":"sixties","sentiment":"neutral","sentiment_score":0.05124042183160782},{"word":"to","start":973.35004,"end":973.51,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04262126237154007},{"word":"live","start":973.51,"end":973.75,"confidence":0.9970703,"punctuated_word":"live","sentiment":"neutral","sentiment_score":0.07980509102344513},{"word":"off","start":973.75,"end":974.25,"confidence":0.99853516,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":0.05684299394488335},{"word":"okay","start":975.75,"end":976.25,"confidence":0.94970703,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.09147413820028304},{"word":"so","start":976.39,"end":976.63,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13729025423526764},{"word":"as","start":976.63,"end":976.79004,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1944781392812729},{"word":"long","start":976.79004,"end":977.03,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.2078770250082016},{"word":"as","start":977.03,"end":977.11005,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1904289424419403},{"word":"you're","start":977.11005,"end":977.35004,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.20427140593528748},{"word":"okay","start":977.35004,"end":977.59,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.2446475327014923},{"word":"to","start":977.59,"end":977.75,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.225135400891304},{"word":"go","start":977.75,"end":978.25,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1918517500162125},{"word":"kind","start":978.455,"end":978.695,"confidence":0.99902344,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.18300408124923703},{"word":"of","start":978.695,"end":978.855,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2159263640642166},{"word":"ride","start":978.855,"end":979.015,"confidence":0.9980469,"punctuated_word":"ride","sentiment":"neutral","sentiment_score":0.21850332617759705},{"word":"through","start":979.015,"end":979.255,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2080148160457611},{"word":"the","start":979.255,"end":979.495,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21142394840717316},{"word":"waves","start":979.495,"end":979.815,"confidence":1.0,"punctuated_word":"waves","sentiment":"neutral","sentiment_score":0.18496499955654144},{"word":"a","start":979.815,"end":979.895,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2253858894109726},{"word":"little","start":979.895,"end":980.135,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.18874813616275787},{"word":"bit","start":980.135,"end":980.635,"confidence":0.9909668,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":0.18443307280540464},{"word":"use","start":980.775,"end":981.015,"confidence":1.0,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.20931631326675415},{"word":"your","start":981.015,"end":981.515,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.24894709885120392},{"word":"contributions","start":981.655,"end":982.155,"confidence":1.0,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.2596697509288788},{"word":"from","start":982.295,"end":982.455,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.27240854501724243},{"word":"work","start":982.455,"end":982.775,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.20908325910568237},{"word":"as","start":982.775,"end":982.935,"confidence":0.9560547,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.19785059988498688},{"word":"a","start":982.935,"end":983.015,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2328927367925644},{"word":"bit","start":983.015,"end":983.175,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2030908763408661},{"word":"of","start":983.175,"end":983.675,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2474159151315689},{"word":"a","start":984.455,"end":984.615,"confidence":0.9658203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22779501974582672},{"word":"a","start":984.615,"end":984.695,"confidence":0.7211914,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20937782526016235},{"word":"buy","start":984.695,"end":984.935,"confidence":0.99121094,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.16349753737449646},{"word":"in","start":984.935,"end":985.335,"confidence":0.9025879,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.16865505278110504},{"word":"bit","start":985.335,"end":985.495,"confidence":0.5571289,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.18293586373329165},{"word":"of","start":985.495,"end":985.575,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18721552193164823},{"word":"a","start":985.575,"end":985.735,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12063317000865936},{"word":"buying","start":985.735,"end":986.055,"confidence":0.99902344,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.1286373734474182},{"word":"opportunity","start":986.055,"end":986.535,"confidence":1.0,"punctuated_word":"opportunity","sentiment":"neutral","sentiment_score":0.21022920310497284},{"word":"whenever","start":986.535,"end":986.855,"confidence":0.96533203,"punctuated_word":"whenever","sentiment":"neutral","sentiment_score":0.1705879122018814},{"word":"there's","start":986.855,"end":987.095,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.15913400053977966},{"word":"a","start":987.095,"end":987.175,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14609938859939575},{"word":"dip","start":987.175,"end":987.675,"confidence":0.97265625,"punctuated_word":"dip,","sentiment":"neutral","sentiment_score":0.1287427395582199},{"word":"that","start":987.735,"end":987.895,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1675671488046646},{"word":"would","start":987.895,"end":988.135,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.1590656340122223},{"word":"be","start":988.135,"end":988.375,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1577741503715515},{"word":"the","start":988.375,"end":988.535,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14296342432498932},{"word":"growth","start":988.535,"end":988.855,"confidence":0.99902344,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.1464039981365204},{"word":"cycle","start":988.855,"end":989.175,"confidence":1.0,"punctuated_word":"cycle","sentiment":"neutral","sentiment_score":0.16805386543273926},{"word":"that","start":989.175,"end":989.335,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13066302239894867},{"word":"we're","start":989.335,"end":989.575,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.1267952173948288},{"word":"trying","start":989.575,"end":989.815,"confidence":1.0,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.120620995759964},{"word":"to","start":989.815,"end":989.975,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08544912189245224},{"word":"do","start":989.975,"end":990.39,"confidence":0.9995117,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.08026197552680969},{"word":"perfect","start":992.07,"end":992.47003,"confidence":0.9824219,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.454853355884552},{"word":"perfect","start":992.47003,"end":992.97003,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4115696549415589},{"word":"so","start":993.11,"end":993.59,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11319612711668016},{"word":"i'm","start":993.59,"end":993.67004,"confidence":0.9609375,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.11370548605918884},{"word":"just","start":993.67004,"end":993.91003,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11309675127267838},{"word":"having","start":993.91003,"end":994.15,"confidence":0.99121094,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.09843239933252336},{"word":"a","start":994.15,"end":994.23004,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08313292264938354},{"word":"look","start":994.23004,"end":994.55,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.08019701391458511},{"word":"at","start":994.55,"end":995.05,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1228734254837036},{"word":"the","start":995.51,"end":995.67004,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11607590317726137},{"word":"netwealth","start":995.67004,"end":996.17004,"confidence":0.9748535,"punctuated_word":"Netwealth","sentiment":"neutral","sentiment_score":0.10374996066093443},{"word":"account","start":996.23004,"end":996.55,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.11457864940166472},{"word":"now","start":996.55,"end":996.87,"confidence":0.99853516,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.09987783432006836},{"word":"have","start":996.87,"end":997.03,"confidence":0.99902344,"punctuated_word":"Have","sentiment":"neutral","sentiment_score":0.023297114297747612},{"word":"you","start":997.03,"end":997.11,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.026219334453344345},{"word":"do","start":997.27,"end":997.43,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.02358296513557434},{"word":"you","start":997.43,"end":997.59,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03245639428496361},{"word":"log","start":997.59,"end":997.83,"confidence":0.97314453,"punctuated_word":"log","sentiment":"neutral","sentiment_score":0.03404001146554947},{"word":"in","start":997.83,"end":997.91003,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02475495263934135},{"word":"every","start":997.91003,"end":998.31,"confidence":0.9970703,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.0187677089124918},{"word":"every","start":998.31,"end":998.55,"confidence":0.9819336,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.013122635893523691},{"word":"now","start":998.55,"end":998.79004,"confidence":0.99902344,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.02418036013841629},{"word":"and","start":998.79004,"end":998.95,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02295135334134102},{"word":"then","start":998.95,"end":999.19,"confidence":0.9511719,"punctuated_word":"then?","sentiment":"neutral","sentiment_score":0.022028012201189995},{"word":"or","start":999.19,"end":999.35004,"confidence":0.9902344,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.002223489806056022},{"word":"no","start":1002.565,"end":1002.80505,"confidence":0.97924805,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1270008236169815},{"word":"it's","start":1002.80505,"end":1002.885,"confidence":0.97631836,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.1055867075920105},{"word":"okay","start":1002.885,"end":1003.385,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.09396271407604218},{"word":"there's","start":1004.325,"end":1004.565,"confidence":0.99316406,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.14835652709007263},{"word":"a","start":1004.565,"end":1004.645,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.13329428434371948},{"word":"lot","start":1004.645,"end":1004.885,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.14408433437347412},{"word":"of","start":1004.885,"end":1004.965,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.13712763786315918},{"word":"people","start":1004.965,"end":1005.465,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.18544258177280423},{"word":"that","start":1005.68506,"end":1006.085,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.10754195600748062},{"word":"tend","start":1006.085,"end":1006.325,"confidence":0.99902344,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":-0.1031588688492775},{"word":"to","start":1006.325,"end":1006.825,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12702825665473938},{"word":"watch","start":1006.885,"end":1007.205,"confidence":1.0,"punctuated_word":"watch","sentiment":"neutral","sentiment_score":-0.17827773094177246},{"word":"it","start":1007.205,"end":1007.36505,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.13284966349601746},{"word":"daily","start":1007.36505,"end":1007.68506,"confidence":1.0,"punctuated_word":"daily","sentiment":"neutral","sentiment_score":-0.1887459009885788},{"word":"and","start":1007.68506,"end":1007.92505,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.19516393542289737},{"word":"panic","start":1007.92505,"end":1008.24506,"confidence":1.0,"punctuated_word":"panic","sentiment":"neutral","sentiment_score":-0.2093949913978577},{"word":"themselves","start":1008.24506,"end":1008.72504,"confidence":1.0,"punctuated_word":"themselves","sentiment":"neutral","sentiment_score":-0.24238523840904236},{"word":"every","start":1008.72504,"end":1008.885,"confidence":0.9951172,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.16878218948841095},{"word":"time","start":1008.885,"end":1009.125,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.1724276840686798},{"word":"there's","start":1009.125,"end":1009.28503,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.10441433638334274},{"word":"a","start":1009.28503,"end":1009.445,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.052923452109098434},{"word":"news","start":1009.445,"end":1009.765,"confidence":0.99902344,"punctuated_word":"news","sentiment":"neutral","sentiment_score":-0.05173531919717789},{"word":"article","start":1009.765,"end":1010.085,"confidence":1.0,"punctuated_word":"article","sentiment":"neutral","sentiment_score":-0.04269654303789139},{"word":"and","start":1010.085,"end":1010.24506,"confidence":0.90478516,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04134483635425568},{"word":"their","start":1010.24506,"end":1010.48505,"confidence":0.9873047,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.056103479117155075},{"word":"super","start":1010.48505,"end":1010.72504,"confidence":0.68652344,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.026286371052265167},{"word":"fund","start":1010.72504,"end":1011.22504,"confidence":0.6411133,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.06545105576515198},{"word":"shoots","start":1011.60504,"end":1011.92505,"confidence":0.9980469,"punctuated_word":"shoots","sentiment":"neutral","sentiment_score":-0.04780881106853485},{"word":"up","start":1011.92505,"end":1012.085,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.02723398804664612},{"word":"and","start":1012.085,"end":1012.16504,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08056843280792236},{"word":"down","start":1012.16504,"end":1012.405,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.03562704473733902},{"word":"a","start":1012.405,"end":1012.48505,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07062923163175583},{"word":"few","start":1012.48505,"end":1012.72504,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.07056070864200592},{"word":"thousand","start":1012.72504,"end":1013.04504,"confidence":0.9970703,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":-0.05311064422130585},{"word":"dollars","start":1013.04504,"end":1013.36505,"confidence":0.7624512,"punctuated_word":"dollars.","sentiment":"neutral","sentiment_score":-0.05132068693637848},{"word":"so","start":1013.36505,"end":1013.765,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0700945109128952},{"word":"i","start":1013.765,"end":1013.92505,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11345499753952026},{"word":"wouldn't","start":1013.92505,"end":1014.24506,"confidence":1.0,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.0816299244761467},{"word":"go","start":1014.24506,"end":1014.565,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.0957142785191536},{"word":"too","start":1014.565,"end":1014.80505,"confidence":0.99902344,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.09379488974809648},{"word":"crazy","start":1014.80505,"end":1015.205,"confidence":1.0,"punctuated_word":"crazy","sentiment":"neutral","sentiment_score":-0.0810624435544014},{"word":"with","start":1015.205,"end":1015.36505,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.0979386642575264},{"word":"it","start":1015.36505,"end":1015.60504,"confidence":0.9812012,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.06358150392770767},{"word":"but","start":1015.60504,"end":1015.84503,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.025615863502025604},{"word":"a","start":1015.84503,"end":1015.92505,"confidence":0.9790039,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.012168079614639282},{"word":"bit","start":1015.92505,"end":1016.16504,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.007251903414726257},{"word":"of","start":1016.16504,"end":1016.48505,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.005538042634725571},{"word":"visibility","start":1016.48505,"end":1016.98505,"confidence":0.984375,"punctuated_word":"visibility","sentiment":"neutral","sentiment_score":0.19459739327430725},{"word":"is","start":1017.04504,"end":1017.28503,"confidence":0.9707031,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3124847710132599},{"word":"always","start":1017.28503,"end":1017.60504,"confidence":1.0,"punctuated_word":"always","sentiment":"positive","sentiment_score":0.45008158683776855},{"word":"nice","start":1017.60504,"end":1018.10504,"confidence":1.0,"punctuated_word":"nice.","sentiment":"neutral","sentiment_score":0.26569080352783203},{"word":"now","start":1020.28,"end":1020.76,"confidence":0.99609375,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.02562219649553299},{"word":"when","start":1020.76,"end":1020.92,"confidence":0.99316406,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.008480411022901535},{"word":"it","start":1020.92,"end":1021.0,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.015577062964439392},{"word":"comes","start":1021.0,"end":1021.24,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.013484012335538864},{"word":"to","start":1021.24,"end":1021.32,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01363890990614891},{"word":"the","start":1021.32,"end":1021.48004,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.016378607600927353},{"word":"options","start":1021.48004,"end":1021.72003,"confidence":0.9951172,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.0012968555092811584},{"word":"that","start":1021.72003,"end":1021.88,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01056547835469246},{"word":"you've","start":1021.88,"end":1022.12,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.013424666598439217},{"word":"got","start":1022.12,"end":1022.52,"confidence":1.0,"punctuated_word":"got,","sentiment":"neutral","sentiment_score":0.0005416721105575562},{"word":"do","start":1022.52,"end":1022.76,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.017916683107614517},{"word":"you","start":1022.76,"end":1023.0,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01466158777475357},{"word":"recall","start":1023.0,"end":1023.48004,"confidence":1.0,"punctuated_word":"recall","sentiment":"neutral","sentiment_score":0.0024249330163002014},{"word":"anything","start":1023.48004,"end":1023.96,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.007083360105752945},{"word":"about","start":1023.96,"end":1024.2,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.02968926727771759},{"word":"what","start":1024.2,"end":1024.36,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.01562148705124855},{"word":"you're","start":1024.36,"end":1024.68,"confidence":0.9980469,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.01518863346427679},{"word":"invested","start":1024.68,"end":1025.16,"confidence":1.0,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":-0.03126605972647667},{"word":"in","start":1025.16,"end":1025.56,"confidence":0.96606445,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":-0.02550666779279709},{"word":"risk","start":1025.56,"end":1025.88,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.059159744530916214},{"word":"levels","start":1025.88,"end":1026.36,"confidence":0.9921875,"punctuated_word":"levels,","sentiment":"neutral","sentiment_score":-0.047984905540943146},{"word":"that","start":1026.36,"end":1026.52,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04079228267073631},{"word":"kind","start":1026.52,"end":1026.76,"confidence":0.9506836,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.05230598524212837},{"word":"of","start":1026.76,"end":1026.84,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05525397136807442},{"word":"thing","start":1026.84,"end":1027.34,"confidence":0.99902344,"punctuated_word":"thing?","sentiment":"neutral","sentiment_score":-0.04573962092399597},{"word":"no","start":1031.975,"end":1032.215,"confidence":0.873291,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1855948567390442},{"word":"that's","start":1032.215,"end":1032.455,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.15068912506103516},{"word":"okay","start":1032.455,"end":1032.955,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.08764247596263885},{"word":"yeah","start":1038.695,"end":1039.095,"confidence":0.9597168,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02616039849817753},{"word":"pretty","start":1039.095,"end":1039.335,"confidence":0.9980469,"punctuated_word":"Pretty","sentiment":"neutral","sentiment_score":0.026301182806491852},{"word":"much","start":1039.335,"end":1039.735,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.01030367985367775},{"word":"everything","start":1039.735,"end":1040.235,"confidence":0.9951172,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.033114686608314514},{"word":"you've","start":1040.2949,"end":1040.5349,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.02198222279548645},{"word":"got","start":1040.5349,"end":1041.0349,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.020155511796474457},{"word":"is","start":1041.1749,"end":1041.4149,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.01565518230199814},{"word":"a","start":1041.4149,"end":1041.575,"confidence":0.9873047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.019249863922595974},{"word":"split","start":1041.575,"end":1041.895,"confidence":1.0,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.019347727298736572},{"word":"between","start":1041.895,"end":1042.395,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.01591484062373638},{"word":"international","start":1042.5349,"end":1043.0349,"confidence":0.9921875,"punctuated_word":"international","sentiment":"neutral","sentiment_score":0.01357610709965229},{"word":"shares","start":1043.1749,"end":1043.6549,"confidence":1.0,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.01507335528731346},{"word":"australian","start":1043.6549,"end":1044.1549,"confidence":1.0,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.02207481488585472},{"word":"shares","start":1044.375,"end":1044.695,"confidence":0.9890137,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.019494501873850822},{"word":"and","start":1044.695,"end":1045.095,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.010003333911299706},{"word":"gold","start":1045.095,"end":1045.56,"confidence":0.97143555,"punctuated_word":"gold,","sentiment":"neutral","sentiment_score":0.025153115391731266},{"word":"which","start":1045.64,"end":1045.88,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.03793861344456673},{"word":"is","start":1045.88,"end":1045.9601,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.01931652799248695},{"word":"your","start":1045.9601,"end":1046.1201,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.019074810668826103},{"word":"alternative","start":1046.1201,"end":1046.6201,"confidence":0.97924805,"punctuated_word":"alternative.","sentiment":"neutral","sentiment_score":0.0279751718044281},{"word":"that's","start":1047.4,"end":1047.7201,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.13831838965415957},{"word":"your","start":1047.7201,"end":1048.2201,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18023455142974856},{"word":"sort","start":1048.28,"end":1048.52,"confidence":0.9941406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2020425945520401},{"word":"of","start":1048.52,"end":1048.68,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21929426491260529},{"word":"high","start":1048.68,"end":1048.92,"confidence":1.0,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.19632340967655185},{"word":"growth","start":1048.92,"end":1049.2401,"confidence":1.0,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.32207638025283813},{"word":"mix","start":1049.2401,"end":1049.56,"confidence":1.0,"punctuated_word":"mix","sentiment":"neutral","sentiment_score":0.16629277169704437},{"word":"at","start":1049.56,"end":1049.64,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.18491104245185852},{"word":"the","start":1049.64,"end":1049.7201,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.235193133354187},{"word":"moment","start":1049.7201,"end":1050.2201,"confidence":0.9995117,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.186855748295784},{"word":"yeah","start":1052.76,"end":1053.16,"confidence":0.91674805,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.021395934745669365},{"word":"there's","start":1053.16,"end":1053.4801,"confidence":0.99853516,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.010812168940901756},{"word":"definitely","start":1053.4801,"end":1053.88,"confidence":1.0,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.0673801377415657},{"word":"a","start":1053.88,"end":1054.04,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05385370180010795},{"word":"few","start":1054.04,"end":1054.28,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.034016430377960205},{"word":"companies","start":1054.28,"end":1054.76,"confidence":1.0,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.08236778527498245},{"word":"in","start":1054.76,"end":1054.92,"confidence":0.98291016,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05644069239497185},{"word":"there","start":1054.92,"end":1055.16,"confidence":0.9980469,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.08492179214954376},{"word":"benefiting","start":1055.16,"end":1055.64,"confidence":0.9951172,"punctuated_word":"benefiting","sentiment":"neutral","sentiment_score":0.1201963946223259},{"word":"from","start":1055.64,"end":1055.8,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.07966567575931549},{"word":"that","start":1055.8,"end":1055.9601,"confidence":0.90283203,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.046688202768564224},{"word":"but","start":1055.9601,"end":1056.1201,"confidence":0.9863281,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":0.012292057275772096},{"word":"yeah","start":1056.1201,"end":1056.28,"confidence":0.99853516,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.01716081239283085},{"word":"a","start":1056.28,"end":1056.3601,"confidence":0.95703125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.010272469371557236},{"word":"bit","start":1056.3601,"end":1056.52,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.05208458751440048},{"word":"of","start":1056.52,"end":1056.6001,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.024135656654834747},{"word":"crude","start":1056.6001,"end":1056.92,"confidence":0.99902344,"punctuated_word":"crude","sentiment":"neutral","sentiment_score":0.014524824917316437},{"word":"oil","start":1056.92,"end":1057.16,"confidence":1.0,"punctuated_word":"oil","sentiment":"neutral","sentiment_score":0.03940971940755844},{"word":"would","start":1057.16,"end":1057.4,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.010944485664367676},{"word":"be","start":1057.4,"end":1057.4801,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.00248841941356659},{"word":"nice","start":1057.4801,"end":1057.9801,"confidence":1.0,"punctuated_word":"nice","sentiment":"neutral","sentiment_score":-0.0020638257265090942},{"word":"to","start":1058.04,"end":1058.28,"confidence":0.9770508,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01966206729412079},{"word":"track","start":1058.28,"end":1058.52,"confidence":0.9970703,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.026949023827910423},{"word":"that","start":1058.52,"end":1058.76,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02555270493030548},{"word":"price","start":1058.76,"end":1059.26,"confidence":0.99853516,"punctuated_word":"price.","sentiment":"neutral","sentiment_score":0.038096074014902115},{"word":"absolutely","start":1059.7201,"end":1060.2201,"confidence":0.9975586,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.4871481955051422},{"word":"most","start":1061.775,"end":1061.895,"confidence":0.96435547,"punctuated_word":"Most","sentiment":"positive","sentiment_score":0.5955989360809326},{"word":"of","start":1061.895,"end":1062.015,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5974050760269165},{"word":"the","start":1062.015,"end":1062.255,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6098225712776184},{"word":"options","start":1062.255,"end":1062.5751,"confidence":1.0,"punctuated_word":"options","sentiment":"positive","sentiment_score":0.6378819942474365},{"word":"have","start":1062.5751,"end":1062.735,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.681191086769104},{"word":"done","start":1062.735,"end":1063.135,"confidence":0.9980469,"punctuated_word":"done","sentiment":"positive","sentiment_score":0.7354780435562134},{"word":"fantastic","start":1063.135,"end":1063.635,"confidence":0.9025879,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.7065260410308838},{"word":"out","start":1063.855,"end":1064.0951,"confidence":0.99902344,"punctuated_word":"Out","sentiment":"positive","sentiment_score":0.399878591299057},{"word":"of","start":1064.0951,"end":1064.255,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.355966180562973},{"word":"the","start":1064.255,"end":1064.5751,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3769487738609314},{"word":"you've","start":1064.735,"end":1064.975,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.3685804307460785},{"word":"got","start":1064.975,"end":1065.475,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.19731302559375763},{"word":"five","start":1066.175,"end":1066.655,"confidence":0.9926758,"punctuated_word":"five,","sentiment":"neutral","sentiment_score":0.20526818931102753},{"word":"six","start":1066.655,"end":1066.895,"confidence":0.9975586,"punctuated_word":"six,","sentiment":"neutral","sentiment_score":0.25096169114112854},{"word":"seven","start":1066.895,"end":1067.295,"confidence":0.9970703,"punctuated_word":"seven,","sentiment":"neutral","sentiment_score":0.2894095778465271},{"word":"eight","start":1067.295,"end":1067.795,"confidence":1.0,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":0.2873687446117401},{"word":"main","start":1067.855,"end":1068.175,"confidence":0.97998047,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.27642619609832764},{"word":"options","start":1068.175,"end":1068.675,"confidence":0.9951172,"punctuated_word":"options.","sentiment":"neutral","sentiment_score":0.231372594833374},{"word":"seven","start":1070.0951,"end":1070.415,"confidence":0.9614258,"punctuated_word":"Seven","sentiment":"neutral","sentiment_score":0.11456012725830078},{"word":"of","start":1070.415,"end":1070.655,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11000292748212814},{"word":"them","start":1070.655,"end":1070.8151,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.14564698934555054},{"word":"have","start":1070.8151,"end":1071.055,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16311563551425934},{"word":"gone","start":1071.055,"end":1071.375,"confidence":0.9980469,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.2674197852611542},{"word":"up","start":1071.375,"end":1071.875,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.22565005719661713},{"word":"double","start":1071.935,"end":1072.255,"confidence":0.99902344,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.2237723767757416},{"word":"digits","start":1072.255,"end":1072.755,"confidence":0.92993164,"punctuated_word":"digits.","sentiment":"neutral","sentiment_score":0.2172513902187347},{"word":"so","start":1072.8151,"end":1073.295,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.19968485832214355},{"word":"high","start":1073.295,"end":1073.4551,"confidence":0.9941406,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.28655552864074707},{"word":"growth","start":1073.4551,"end":1073.6951,"confidence":0.89160156,"punctuated_word":"growth,","sentiment":"positive","sentiment_score":0.335615873336792},{"word":"you're","start":1073.6951,"end":1073.935,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.3207152783870697},{"word":"aiming","start":1073.935,"end":1074.175,"confidence":1.0,"punctuated_word":"aiming","sentiment":"neutral","sentiment_score":0.29951924085617065},{"word":"for","start":1074.175,"end":1074.415,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.28905269503593445},{"word":"about","start":1074.415,"end":1074.655,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1765732765197754},{"word":"10%","start":1074.655,"end":1075.135,"confidence":1.0,"punctuated_word":"10%","sentiment":"neutral","sentiment_score":0.2814132273197174},{"word":"or","start":1075.135,"end":1075.375,"confidence":0.9970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.29326140880584717},{"word":"above","start":1075.375,"end":1075.615,"confidence":1.0,"punctuated_word":"above","sentiment":"neutral","sentiment_score":0.2624753415584564},{"word":"as","start":1075.615,"end":1075.775,"confidence":0.9902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.23048382997512817},{"word":"an","start":1075.775,"end":1075.935,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.25543591380119324},{"word":"average","start":1075.935,"end":1076.435,"confidence":1.0,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.23258432745933533},{"word":"long","start":1076.57,"end":1076.89,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.2506823241710663},{"word":"term","start":1076.89,"end":1077.13,"confidence":1.0,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.2681877315044403},{"word":"return","start":1077.13,"end":1077.63,"confidence":0.99560547,"punctuated_word":"return.","sentiment":"neutral","sentiment_score":0.28929534554481506},{"word":"you've","start":1078.33,"end":1078.73,"confidence":0.9921875,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.2102413773536682},{"word":"got","start":1078.73,"end":1079.13,"confidence":0.99609375,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.22971324622631073},{"word":"gold","start":1079.13,"end":1079.45,"confidence":0.91503906,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.3299265503883362},{"word":"up","start":1079.45,"end":1079.61,"confidence":0.9707031,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1991177797317505},{"word":"25","start":1079.61,"end":1080.4299,"confidence":0.95410156,"punctuated_word":"25.","sentiment":"neutral","sentiment_score":0.19065764546394348},{"word":"europe's","start":1080.73,"end":1081.13,"confidence":0.9902344,"punctuated_word":"Europe's","sentiment":"neutral","sentiment_score":0.1002691611647606},{"word":"up","start":1081.13,"end":1081.45,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.07690073549747467},{"word":"14","start":1081.45,"end":1081.95,"confidence":0.9970703,"punctuated_word":"14.","sentiment":"neutral","sentiment_score":0.08428177982568741},{"word":"japan's","start":1082.65,"end":1083.15,"confidence":0.9980469,"punctuated_word":"Japan's","sentiment":"neutral","sentiment_score":0.08605766296386719},{"word":"up","start":1083.21,"end":1083.53,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.08722247928380966},{"word":"21%","start":1083.53,"end":1084.41,"confidence":0.9991862,"punctuated_word":"21%.","sentiment":"neutral","sentiment_score":0.09532120078802107},{"word":"thank","start":1084.41,"end":1084.65,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6185896396636963},{"word":"you","start":1084.65,"end":1084.89,"confidence":0.9172363,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.572208046913147},{"word":"japan","start":1084.89,"end":1085.37,"confidence":0.9736328,"punctuated_word":"Japan,","sentiment":"positive","sentiment_score":0.5078349113464355},{"word":"for","start":1085.37,"end":1085.85,"confidence":0.99902344,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6061743497848511},{"word":"coming","start":1085.85,"end":1086.25,"confidence":1.0,"punctuated_word":"coming","sentiment":"positive","sentiment_score":0.5430285930633545},{"word":"back","start":1086.25,"end":1086.41,"confidence":1.0,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.5585498213768005},{"word":"the","start":1086.41,"end":1086.57,"confidence":0.99609375,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4128860533237457},{"word":"last","start":1086.57,"end":1086.8099,"confidence":1.0,"punctuated_word":"last","sentiment":"positive","sentiment_score":0.3602530360221863},{"word":"couple","start":1086.8099,"end":1087.05,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.3253152370452881},{"word":"of","start":1087.05,"end":1087.21,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4722573161125183},{"word":"years","start":1087.21,"end":1087.71,"confidence":0.7883301,"punctuated_word":"years,","sentiment":"positive","sentiment_score":0.44792765378952026},{"word":"and","start":1087.85,"end":1088.25,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.35847756266593933},{"word":"your","start":1088.25,"end":1088.57,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.42061883211135864},{"word":"international","start":1088.57,"end":1089.05,"confidence":0.99902344,"punctuated_word":"international","sentiment":"positive","sentiment_score":0.4500772058963776},{"word":"shares","start":1089.05,"end":1089.29,"confidence":0.99902344,"punctuated_word":"shares","sentiment":"positive","sentiment_score":0.4466009736061096},{"word":"have","start":1089.29,"end":1089.45,"confidence":0.9951172,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.41263312101364136},{"word":"gone","start":1089.45,"end":1089.69,"confidence":0.99902344,"punctuated_word":"gone","sentiment":"positive","sentiment_score":0.48324283957481384},{"word":"up","start":1089.69,"end":1089.77,"confidence":1.0,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.4661819040775299},{"word":"11%","start":1089.77,"end":1090.49,"confidence":1.0,"punctuated_word":"11%","sentiment":"positive","sentiment_score":0.42046427726745605},{"word":"as","start":1090.49,"end":1090.65,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.39286088943481445},{"word":"well","start":1090.65,"end":1091.085,"confidence":0.98706055,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.3716897964477539},{"word":"so","start":1091.725,"end":1092.125,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5476519465446472},{"word":"that's","start":1092.125,"end":1092.445,"confidence":1.0,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.5996899604797363},{"word":"all","start":1092.445,"end":1092.605,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.5797458291053772},{"word":"doing","start":1092.605,"end":1092.9249,"confidence":1.0,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.5589357018470764},{"word":"good","start":1092.9249,"end":1093.325,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5235682725906372},{"word":"there","start":1093.325,"end":1093.485,"confidence":1.0,"punctuated_word":"There","sentiment":"neutral","sentiment_score":0.09534426033496857},{"word":"was","start":1093.485,"end":1093.725,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.048293083906173706},{"word":"a","start":1093.725,"end":1093.8049,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0399223268032074},{"word":"change","start":1093.8049,"end":1094.125,"confidence":1.0,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.034824445843696594},{"word":"that","start":1094.125,"end":1094.2849,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.013614092022180556},{"word":"we","start":1094.2849,"end":1094.365,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.00774320587515831},{"word":"made","start":1094.365,"end":1094.605,"confidence":0.9980469,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.007963202893733978},{"word":"to","start":1094.605,"end":1094.765,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01235729083418846},{"word":"your","start":1094.765,"end":1094.9249,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.017088215798139572},{"word":"portfolio","start":1094.9249,"end":1095.4249,"confidence":0.9995117,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":-0.01327131688594818},{"word":"did","start":1095.565,"end":1095.725,"confidence":1.0,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":-0.010000068694353104},{"word":"you","start":1095.725,"end":1095.965,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0014916062355041504},{"word":"receive","start":1095.965,"end":1096.465,"confidence":0.99902344,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":-0.0023342259228229523},{"word":"an","start":1096.6849,"end":1097.005,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.0026243720203638077},{"word":"email","start":1097.005,"end":1097.485,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.003270808607339859},{"word":"from","start":1097.485,"end":1097.725,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.011008437722921371},{"word":"us","start":1097.725,"end":1098.125,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.003954306244850159},{"word":"in","start":1098.125,"end":1098.365,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.010094525292515756},{"word":"the","start":1098.365,"end":1098.5249,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.004098942503333092},{"word":"last","start":1098.5249,"end":1098.765,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.005288040265440941},{"word":"couple","start":1098.765,"end":1099.085,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.023518763482570648},{"word":"of","start":1099.085,"end":1099.1649,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.01262396201491356},{"word":"months","start":1099.1649,"end":1099.565,"confidence":0.99902344,"punctuated_word":"months?","sentiment":"neutral","sentiment_score":-0.006318012252449989},{"word":"do","start":1099.565,"end":1099.645,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.015166841447353365},{"word":"you","start":1099.645,"end":1099.8049,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00886853039264679},{"word":"remember","start":1099.8049,"end":1100.125,"confidence":1.0,"punctuated_word":"remember","sentiment":"neutral","sentiment_score":-0.005522545427083969},{"word":"seeing","start":1100.125,"end":1100.365,"confidence":1.0,"punctuated_word":"seeing","sentiment":"neutral","sentiment_score":-0.008897863328456879},{"word":"an","start":1100.365,"end":1100.445,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.008062226697802544},{"word":"email","start":1100.445,"end":1100.765,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":-0.010609351098537443},{"word":"from","start":1100.765,"end":1101.005,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.016652677208185196},{"word":"us","start":1101.005,"end":1101.505,"confidence":0.9995117,"punctuated_word":"us?","sentiment":"neutral","sentiment_score":-0.012384584173560144},{"word":"that's","start":1105.73,"end":1106.05,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.011851063929498196},{"word":"okay","start":1106.05,"end":1106.45,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.04708605632185936},{"word":"i'll","start":1106.45,"end":1106.61,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.01488269865512848},{"word":"kind","start":1106.61,"end":1106.77,"confidence":0.9951172,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.01677454635500908},{"word":"of","start":1106.77,"end":1107.01,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.012743070721626282},{"word":"explain","start":1107.01,"end":1107.49,"confidence":1.0,"punctuated_word":"explain","sentiment":"neutral","sentiment_score":0.001324748620390892},{"word":"what","start":1107.49,"end":1107.73,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.004982443526387215},{"word":"change","start":1107.73,"end":1108.05,"confidence":0.99609375,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.0075243692845106125},{"word":"we","start":1108.05,"end":1108.29,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0023207254707813263},{"word":"made","start":1108.29,"end":1108.79,"confidence":0.9951172,"punctuated_word":"made.","sentiment":"neutral","sentiment_score":-0.00338626280426979},{"word":"normally","start":1109.49,"end":1109.99,"confidence":0.99194336,"punctuated_word":"Normally,","sentiment":"neutral","sentiment_score":-0.032929010689258575},{"word":"when","start":1110.21,"end":1110.45,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.030539147555828094},{"word":"we","start":1110.45,"end":1110.61,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.02298717200756073},{"word":"go","start":1110.61,"end":1110.85,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.018913891166448593},{"word":"through","start":1110.85,"end":1111.09,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.03486490249633789},{"word":"reviews","start":1111.09,"end":1111.59,"confidence":1.0,"punctuated_word":"reviews,","sentiment":"neutral","sentiment_score":-0.027784885838627815},{"word":"we","start":1111.97,"end":1112.21,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.007305797189474106},{"word":"go","start":1112.21,"end":1112.37,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.0032765045762062073},{"word":"through","start":1112.37,"end":1112.69,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.0037994831800460815},{"word":"all","start":1112.69,"end":1112.77,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.005319930613040924},{"word":"of","start":1112.77,"end":1112.9299,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0113648921251297},{"word":"your","start":1112.9299,"end":1113.17,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.014758311212062836},{"word":"options","start":1113.17,"end":1113.67,"confidence":0.96850586,"punctuated_word":"options,","sentiment":"neutral","sentiment_score":-0.0030362308025360107},{"word":"make","start":1113.8099,"end":1113.97,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.009575046598911284},{"word":"sure","start":1113.97,"end":1114.21,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.00002157688140869141},{"word":"they're","start":1114.21,"end":1114.37,"confidence":0.9995117,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.003037380753085017},{"word":"all","start":1114.37,"end":1114.53,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.0027749985456466675},{"word":"performing","start":1114.53,"end":1115.01,"confidence":1.0,"punctuated_word":"performing","sentiment":"neutral","sentiment_score":-0.004009664058685303},{"word":"well","start":1115.01,"end":1115.51,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.01310676895081997},{"word":"if","start":1115.65,"end":1115.89,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.0953032523393631},{"word":"there's","start":1115.89,"end":1116.39,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.08332295715808868},{"word":"three","start":1117.0549,"end":1117.215,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.09606607258319856},{"word":"or","start":1117.215,"end":1117.375,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.12716636061668396},{"word":"four","start":1117.375,"end":1117.615,"confidence":1.0,"punctuated_word":"four","sentiment":"neutral","sentiment_score":-0.13422605395317078},{"word":"of","start":1117.615,"end":1117.775,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1778603047132492},{"word":"them","start":1117.775,"end":1117.9349,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.15102064609527588},{"word":"that","start":1117.9349,"end":1118.095,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.13838690519332886},{"word":"are","start":1118.095,"end":1118.255,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.17325419187545776},{"word":"doing","start":1118.255,"end":1118.415,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.20652273297309875},{"word":"badly","start":1118.415,"end":1118.735,"confidence":0.9995117,"punctuated_word":"badly,","sentiment":"neutral","sentiment_score":-0.22276639938354492},{"word":"we","start":1118.735,"end":1118.975,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.19427625834941864},{"word":"need","start":1118.975,"end":1119.135,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.2778969705104828},{"word":"to","start":1119.135,"end":1119.295,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2646320164203644},{"word":"rebalance","start":1119.295,"end":1119.795,"confidence":0.9996745,"punctuated_word":"rebalance","sentiment":"neutral","sentiment_score":-0.168454110622406},{"word":"your","start":1119.855,"end":1120.095,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.1799047291278839},{"word":"whole","start":1120.095,"end":1120.415,"confidence":1.0,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":-0.13402992486953735},{"word":"portfolio","start":1120.415,"end":1120.915,"confidence":0.9995117,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":-0.1137140616774559},{"word":"if","start":1121.455,"end":1121.615,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.02582685649394989},{"word":"it's","start":1121.615,"end":1121.855,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.017980560660362244},{"word":"just","start":1121.855,"end":1122.255,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.04085499048233032},{"word":"one","start":1122.255,"end":1122.735,"confidence":1.0,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":-0.04126860946416855},{"word":"we","start":1122.735,"end":1122.895,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.03095897287130356},{"word":"tend","start":1122.895,"end":1123.135,"confidence":0.99902344,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":-0.02109106257557869},{"word":"to","start":1123.135,"end":1123.295,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03127295896410942},{"word":"track","start":1123.295,"end":1123.535,"confidence":1.0,"punctuated_word":"track","sentiment":"neutral","sentiment_score":-0.046484872698783875},{"word":"it","start":1123.535,"end":1123.695,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.05173804610967636},{"word":"for","start":1123.695,"end":1123.9349,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.05634224787354469},{"word":"a","start":1123.9349,"end":1124.095,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04691050946712494},{"word":"while","start":1124.095,"end":1124.495,"confidence":0.94140625,"punctuated_word":"while,","sentiment":"neutral","sentiment_score":-0.049456726759672165},{"word":"and","start":1124.495,"end":1124.655,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03821191191673279},{"word":"we","start":1124.655,"end":1124.815,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.029320035129785538},{"word":"may","start":1124.815,"end":1124.975,"confidence":1.0,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.04677412658929825},{"word":"do","start":1124.975,"end":1125.215,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.06108011305332184},{"word":"some","start":1125.215,"end":1125.455,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.05174026638269424},{"word":"advice","start":1125.455,"end":1125.855,"confidence":0.99316406,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.05472009629011154},{"word":"to","start":1125.855,"end":1126.015,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05420420691370964},{"word":"switch","start":1126.015,"end":1126.255,"confidence":1.0,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":-0.04205671325325966},{"word":"it","start":1126.255,"end":1126.415,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.05814513564109802},{"word":"out","start":1126.415,"end":1126.575,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.05655425041913986},{"word":"if","start":1126.575,"end":1126.735,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.05290292948484421},{"word":"we","start":1126.735,"end":1126.895,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.05799868330359459},{"word":"need","start":1126.895,"end":1127.135,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.05572602152824402},{"word":"to","start":1127.135,"end":1127.635,"confidence":0.9995117,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":-0.047354720532894135},{"word":"what","start":1129.07,"end":1129.31,"confidence":1.0,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.22167181968688965},{"word":"happened","start":1129.31,"end":1129.79,"confidence":1.0,"punctuated_word":"happened","sentiment":"neutral","sentiment_score":-0.26503410935401917},{"word":"in","start":1129.79,"end":1129.95,"confidence":0.9863281,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2547649145126343},{"word":"this","start":1129.95,"end":1130.19,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.2534604072570801},{"word":"case","start":1130.19,"end":1130.69,"confidence":1.0,"punctuated_word":"case","sentiment":"neutral","sentiment_score":-0.250104159116745},{"word":"was","start":1130.99,"end":1131.39,"confidence":0.99609375,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.24347108602523804},{"word":"something","start":1131.39,"end":1131.71,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.27234947681427},{"word":"a","start":1131.71,"end":1131.79,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.24312472343444824},{"word":"little","start":1131.79,"end":1132.03,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.2219339907169342},{"word":"bit","start":1132.03,"end":1132.19,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.25563836097717285},{"word":"more","start":1132.19,"end":1132.43,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.2688824236392975},{"word":"extreme","start":1132.43,"end":1132.75,"confidence":1.0,"punctuated_word":"extreme","sentiment":"neutral","sentiment_score":-0.28176212310791016},{"word":"than","start":1132.75,"end":1132.91,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.2838138937950134},{"word":"that","start":1132.91,"end":1133.15,"confidence":0.99560547,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.26839226484298706},{"word":"so","start":1133.15,"end":1133.39,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.245939701795578},{"word":"your","start":1133.39,"end":1133.79,"confidence":0.99902344,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.37556448578834534},{"word":"australian","start":1133.79,"end":1134.29,"confidence":0.99902344,"punctuated_word":"Australian","sentiment":"negative","sentiment_score":-0.3863207697868347},{"word":"shares","start":1134.43,"end":1134.83,"confidence":0.9941406,"punctuated_word":"shares","sentiment":"negative","sentiment_score":-0.35516786575317383},{"word":"option","start":1134.83,"end":1135.23,"confidence":0.99609375,"punctuated_word":"option,","sentiment":"neutral","sentiment_score":-0.3152822256088257},{"word":"one","start":1135.23,"end":1135.39,"confidence":1.0,"punctuated_word":"one","sentiment":"negative","sentiment_score":-0.3507433533668518},{"word":"of","start":1135.39,"end":1135.55,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2749924063682556},{"word":"them","start":1135.55,"end":1136.05,"confidence":0.9875488,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":-0.2911719083786011},{"word":"had","start":1136.75,"end":1136.99,"confidence":0.7529297,"punctuated_word":"had","sentiment":"negative","sentiment_score":-0.33655428886413574},{"word":"kind","start":1136.99,"end":1137.23,"confidence":0.9941406,"punctuated_word":"kind","sentiment":"negative","sentiment_score":-0.34513142704963684},{"word":"of","start":1137.23,"end":1137.39,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.3299330472946167},{"word":"shot","start":1137.39,"end":1137.63,"confidence":0.6503906,"punctuated_word":"shot","sentiment":"negative","sentiment_score":-0.4115002155303955},{"word":"off","start":1137.63,"end":1137.87,"confidence":0.99902344,"punctuated_word":"off","sentiment":"negative","sentiment_score":-0.3962528705596924},{"word":"downwards","start":1137.87,"end":1138.37,"confidence":1.0,"punctuated_word":"downwards","sentiment":"negative","sentiment_score":-0.39008426666259766},{"word":"away","start":1138.43,"end":1138.83,"confidence":0.99902344,"punctuated_word":"away","sentiment":"negative","sentiment_score":-0.3469616770744324},{"word":"from","start":1138.83,"end":1139.33,"confidence":1.0,"punctuated_word":"from","sentiment":"negative","sentiment_score":-0.36634427309036255},{"word":"the","start":1139.39,"end":1139.55,"confidence":0.99902344,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3473154902458191},{"word":"rest","start":1139.55,"end":1139.79,"confidence":1.0,"punctuated_word":"rest","sentiment":"negative","sentiment_score":-0.4204877614974976},{"word":"of","start":1139.79,"end":1139.95,"confidence":1.0,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3456408977508545},{"word":"the","start":1139.95,"end":1140.11,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.32488229870796204},{"word":"pack","start":1140.11,"end":1140.61,"confidence":1.0,"punctuated_word":"pack","sentiment":"neutral","sentiment_score":-0.28682753443717957},{"word":"and","start":1140.67,"end":1141.07,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2596557140350342},{"word":"away","start":1141.07,"end":1141.31,"confidence":1.0,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.31665927171707153},{"word":"from","start":1141.31,"end":1141.55,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.3256189525127411},{"word":"the","start":1141.55,"end":1141.71,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.30424654483795166},{"word":"australian","start":1141.71,"end":1142.11,"confidence":0.99902344,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.3224823772907257},{"word":"market","start":1142.11,"end":1142.43,"confidence":0.95751953,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":-0.27961045503616333},{"word":"so","start":1142.43,"end":1142.59,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.25180885195732117},{"word":"it","start":1142.59,"end":1142.75,"confidence":1.0,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.36585110425949097},{"word":"just","start":1142.75,"end":1142.99,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.32488805055618286},{"word":"started","start":1142.99,"end":1143.31,"confidence":1.0,"punctuated_word":"started","sentiment":"negative","sentiment_score":-0.3892170488834381},{"word":"going","start":1143.31,"end":1143.71,"confidence":1.0,"punctuated_word":"going","sentiment":"negative","sentiment_score":-0.33699533343315125},{"word":"down","start":1143.71,"end":1144.155,"confidence":0.91186523,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":-0.3302711844444275},{"word":"and","start":1144.235,"end":1144.395,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2977732717990875},{"word":"it","start":1144.395,"end":1144.555,"confidence":1.0,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.3662634789943695},{"word":"wasn't","start":1144.555,"end":1144.7151,"confidence":1.0,"punctuated_word":"wasn't","sentiment":"negative","sentiment_score":-0.3405338227748871},{"word":"bouncing","start":1144.7151,"end":1145.2151,"confidence":0.9980469,"punctuated_word":"bouncing","sentiment":"neutral","sentiment_score":-0.30116939544677734},{"word":"back","start":1145.355,"end":1145.855,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.29063642024993896},{"word":"in","start":1145.915,"end":1146.235,"confidence":0.9980469,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.3388514220714569},{"word":"amongst","start":1146.235,"end":1146.7151,"confidence":0.8408203,"punctuated_word":"amongst","sentiment":"neutral","sentiment_score":-0.3199866712093353},{"word":"everybody","start":1146.7151,"end":1147.1951,"confidence":1.0,"punctuated_word":"everybody","sentiment":"neutral","sentiment_score":-0.28893402218818665},{"word":"else","start":1147.1951,"end":1147.6951,"confidence":1.0,"punctuated_word":"else.","sentiment":"neutral","sentiment_score":-0.2523077130317688},{"word":"so","start":1148.875,"end":1149.375,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.05523698776960373},{"word":"on","start":1149.515,"end":1149.675,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.061767905950546265},{"word":"a","start":1149.675,"end":1149.915,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02948688715696335},{"word":"licensee","start":1149.915,"end":1150.415,"confidence":0.93408203,"punctuated_word":"licensee","sentiment":"neutral","sentiment_score":-0.014247825369238852},{"word":"level","start":1150.555,"end":1151.055,"confidence":1.0,"punctuated_word":"level,","sentiment":"neutral","sentiment_score":-0.006320267915725708},{"word":"our","start":1151.355,"end":1151.675,"confidence":0.99609375,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.00779338926076889},{"word":"investment","start":1151.675,"end":1152.155,"confidence":0.9980469,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.01854325830936432},{"word":"committee","start":1152.155,"end":1152.555,"confidence":1.0,"punctuated_word":"committee","sentiment":"neutral","sentiment_score":0.039259277284145355},{"word":"made","start":1152.555,"end":1152.795,"confidence":1.0,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.024793781340122223},{"word":"the","start":1152.795,"end":1152.875,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02112937718629837},{"word":"decision","start":1152.875,"end":1153.375,"confidence":1.0,"punctuated_word":"decision","sentiment":"neutral","sentiment_score":0.0002870634198188782},{"word":"to","start":1153.515,"end":1153.755,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02515549957752228},{"word":"do","start":1153.755,"end":1153.915,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.05240964889526367},{"word":"a","start":1153.915,"end":1154.0751,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.011800345033407211},{"word":"sweeping","start":1154.0751,"end":1154.555,"confidence":0.99902344,"punctuated_word":"sweeping","sentiment":"neutral","sentiment_score":0.012660358101129532},{"word":"change","start":1154.555,"end":1154.795,"confidence":1.0,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.04532606154680252},{"word":"across","start":1154.795,"end":1155.275,"confidence":1.0,"punctuated_word":"across","sentiment":"neutral","sentiment_score":-0.00924231857061386},{"word":"all","start":1155.275,"end":1155.515,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.018229760229587555},{"word":"client","start":1155.515,"end":1155.915,"confidence":0.9980469,"punctuated_word":"client","sentiment":"neutral","sentiment_score":0.0031454190611839294},{"word":"accounts","start":1155.915,"end":1156.415,"confidence":1.0,"punctuated_word":"accounts","sentiment":"neutral","sentiment_score":0.010122403502464294},{"word":"rather","start":1156.95,"end":1157.19,"confidence":1.0,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":-0.001272294670343399},{"word":"than","start":1157.19,"end":1157.4299,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.008821330964565277},{"word":"wait","start":1157.4299,"end":1157.6699,"confidence":1.0,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":-0.041233476251363754},{"word":"for","start":1157.6699,"end":1157.83,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.03976459428668022},{"word":"us","start":1157.83,"end":1157.99,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.0017303265631198883},{"word":"to","start":1157.99,"end":1158.07,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0012021102011203766},{"word":"go","start":1158.07,"end":1158.23,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.017851904034614563},{"word":"through","start":1158.23,"end":1158.47,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.002090074121952057},{"word":"the","start":1158.47,"end":1158.63,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.014377469196915628},{"word":"review","start":1158.63,"end":1159.13,"confidence":0.9909668,"punctuated_word":"review,","sentiment":"neutral","sentiment_score":0.0148887000977993},{"word":"wait","start":1159.27,"end":1159.51,"confidence":1.0,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":0.006749168038368225},{"word":"for","start":1159.51,"end":1159.6699,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.00458502396941185},{"word":"us","start":1159.6699,"end":1159.83,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.034282561391592026},{"word":"to","start":1159.83,"end":1159.99,"confidence":0.9873047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06102435663342476},{"word":"update","start":1159.99,"end":1160.3099,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":-0.03429286554455757},{"word":"the","start":1160.3099,"end":1160.47,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.022920027375221252},{"word":"advice","start":1160.47,"end":1160.87,"confidence":0.9941406,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.046548906713724136},{"word":"because","start":1160.87,"end":1161.11,"confidence":0.6611328,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.15369121730327606},{"word":"it","start":1161.11,"end":1161.27,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.19740569591522217},{"word":"was","start":1161.27,"end":1161.51,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.18100577592849731},{"word":"kind","start":1161.51,"end":1161.75,"confidence":0.9980469,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.1849976032972336},{"word":"of","start":1161.75,"end":1162.07,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.16722039878368378},{"word":"that","start":1162.07,"end":1162.39,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.20419949293136597},{"word":"extreme","start":1162.39,"end":1162.7899,"confidence":1.0,"punctuated_word":"extreme","sentiment":"neutral","sentiment_score":-0.24591487646102905},{"word":"of","start":1162.7899,"end":1162.95,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.19740770757198337},{"word":"a","start":1162.95,"end":1163.11,"confidence":0.8852539,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2002338469028473},{"word":"situation","start":1163.11,"end":1163.61,"confidence":1.0,"punctuated_word":"situation.","sentiment":"neutral","sentiment_score":-0.1420007348060608},{"word":"so","start":1165.59,"end":1165.83,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.2390555441379547},{"word":"what","start":1165.83,"end":1165.99,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.2238968461751938},{"word":"happened","start":1165.99,"end":1166.39,"confidence":1.0,"punctuated_word":"happened","sentiment":"neutral","sentiment_score":-0.20218902826309204},{"word":"was","start":1166.39,"end":1166.63,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.15748634934425354},{"word":"that","start":1166.63,"end":1166.7899,"confidence":0.9921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.24719712138175964},{"word":"was","start":1166.7899,"end":1166.95,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.3093540370464325},{"word":"dropping","start":1166.95,"end":1167.27,"confidence":1.0,"punctuated_word":"dropping","sentiment":"negative","sentiment_score":-0.3710910975933075},{"word":"at","start":1167.27,"end":1167.4299,"confidence":0.8305664,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.4419376850128174},{"word":"about","start":1167.4299,"end":1167.75,"confidence":1.0,"punctuated_word":"about","sentiment":"negative","sentiment_score":-0.497123658657074},{"word":"11%","start":1167.75,"end":1168.97,"confidence":0.9955241,"punctuated_word":"11%","sentiment":"negative","sentiment_score":-0.4462323784828186},{"word":"even","start":1169.0299,"end":1169.27,"confidence":0.8647461,"punctuated_word":"even","sentiment":"negative","sentiment_score":-0.4240006804466248},{"word":"though","start":1169.27,"end":1169.77,"confidence":1.0,"punctuated_word":"though","sentiment":"neutral","sentiment_score":-0.3170740306377411},{"word":"most","start":1169.83,"end":1170.23,"confidence":1.0,"punctuated_word":"most","sentiment":"neutral","sentiment_score":-0.17109742760658264},{"word":"aussie","start":1170.23,"end":1170.73,"confidence":0.9875488,"punctuated_word":"Aussie","sentiment":"neutral","sentiment_score":-0.11615319550037384},{"word":"funds","start":1170.845,"end":1171.0449,"confidence":0.9970703,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.18334421515464783},{"word":"were","start":1171.0449,"end":1171.245,"confidence":1.0,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.11309514939785004},{"word":"up","start":1171.245,"end":1171.5651,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.13971249759197235},{"word":"a","start":1171.5651,"end":1171.725,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0493624210357666},{"word":"couple","start":1171.725,"end":1171.965,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.17928719520568848},{"word":"of","start":1171.965,"end":1172.125,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.24258962273597717},{"word":"percent","start":1172.125,"end":1172.4451,"confidence":1.0,"punctuated_word":"percent","sentiment":"neutral","sentiment_score":-0.06397928297519684},{"word":"for","start":1172.4451,"end":1172.605,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.21822431683540344},{"word":"the","start":1172.605,"end":1172.765,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19797760248184204},{"word":"year","start":1172.765,"end":1173.265,"confidence":0.95532227,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.2363308072090149},{"word":"and","start":1174.205,"end":1174.705,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.16943982243537903},{"word":"we've","start":1174.925,"end":1175.165,"confidence":0.86938477,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.2725125551223755},{"word":"since","start":1175.165,"end":1175.485,"confidence":0.99316406,"punctuated_word":"since","sentiment":"positive","sentiment_score":0.3637500703334808},{"word":"sold","start":1175.485,"end":1175.805,"confidence":1.0,"punctuated_word":"sold","sentiment":"neutral","sentiment_score":0.31699058413505554},{"word":"out","start":1175.805,"end":1175.965,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.330413818359375},{"word":"of","start":1175.965,"end":1176.125,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.330964595079422},{"word":"that","start":1176.125,"end":1176.365,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.31220507621765137},{"word":"pretty","start":1176.365,"end":1176.685,"confidence":0.9980469,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.3369615375995636},{"word":"recently","start":1176.685,"end":1177.165,"confidence":1.0,"punctuated_word":"recently","sentiment":"neutral","sentiment_score":0.3115374743938446},{"word":"for","start":1177.165,"end":1177.405,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2605144679546356},{"word":"you","start":1177.405,"end":1177.905,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22764042019844055},{"word":"into","start":1178.045,"end":1178.365,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.2183699011802673},{"word":"just","start":1178.365,"end":1178.605,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2209567427635193},{"word":"a","start":1178.605,"end":1178.765,"confidence":0.97802734,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2159034162759781},{"word":"standard","start":1178.765,"end":1179.265,"confidence":1.0,"punctuated_word":"standard","sentiment":"neutral","sentiment_score":0.21679089963436127},{"word":"a","start":1179.725,"end":1179.965,"confidence":0.97509766,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2533615827560425},{"word":"200","start":1179.965,"end":1180.605,"confidence":0.9995117,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.21059302985668185},{"word":"etf","start":1180.605,"end":1181.105,"confidence":0.921875,"punctuated_word":"ETF,","sentiment":"neutral","sentiment_score":0.2643430829048157},{"word":"so","start":1181.165,"end":1181.485,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.4022674262523651},{"word":"much","start":1181.485,"end":1181.725,"confidence":0.9301758,"punctuated_word":"much,","sentiment":"positive","sentiment_score":0.41947272419929504},{"word":"much","start":1181.725,"end":1182.045,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.4909944236278534},{"word":"lower","start":1182.045,"end":1182.365,"confidence":0.9941406,"punctuated_word":"lower","sentiment":"positive","sentiment_score":0.33964651823043823},{"word":"fees","start":1182.365,"end":1182.865,"confidence":0.8076172,"punctuated_word":"fees,","sentiment":"neutral","sentiment_score":0.31946220993995667},{"word":"and","start":1183.085,"end":1183.3251,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.26205989718437195},{"word":"it's","start":1183.3251,"end":1183.5651,"confidence":0.98706055,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.32768237590789795},{"word":"already","start":1183.5651,"end":1183.885,"confidence":0.83251953,"punctuated_word":"already","sentiment":"positive","sentiment_score":0.482379138469696},{"word":"bounced","start":1183.885,"end":1184.205,"confidence":0.98291016,"punctuated_word":"bounced","sentiment":"positive","sentiment_score":0.3822062909603119},{"word":"back","start":1184.205,"end":1184.4451,"confidence":0.99902344,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.3410755395889282},{"word":"three","start":1184.4451,"end":1184.605,"confidence":0.9980469,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.28806591033935547},{"word":"or","start":1184.605,"end":1184.765,"confidence":0.9873047,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.2034747898578644},{"word":"4%","start":1184.765,"end":1185.505,"confidence":1.0,"punctuated_word":"4%.","sentiment":"neutral","sentiment_score":0.28765371441841125},{"word":"so","start":1187.67,"end":1187.91,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2632291316986084},{"word":"as","start":1187.91,"end":1188.0701,"confidence":0.9941406,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.34039491415023804},{"word":"far","start":1188.0701,"end":1188.23,"confidence":1.0,"punctuated_word":"far","sentiment":"neutral","sentiment_score":0.26614096760749817},{"word":"as","start":1188.23,"end":1188.73,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.28899672627449036},{"word":"my","start":1188.79,"end":1189.03,"confidence":1.0,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.3655535578727722},{"word":"view","start":1189.03,"end":1189.27,"confidence":1.0,"punctuated_word":"view","sentiment":"neutral","sentiment_score":0.3212375044822693},{"word":"of","start":1189.27,"end":1189.35,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.352015882730484},{"word":"it","start":1189.35,"end":1189.83,"confidence":1.0,"punctuated_word":"it,","sentiment":"positive","sentiment_score":0.3359290063381195},{"word":"you're","start":1189.83,"end":1190.15,"confidence":1.0,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.514026403427124},{"word":"still","start":1190.15,"end":1190.39,"confidence":1.0,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.523959755897522},{"word":"hitting","start":1190.39,"end":1190.79,"confidence":1.0,"punctuated_word":"hitting","sentiment":"positive","sentiment_score":0.6974537372589111},{"word":"those","start":1190.79,"end":1191.03,"confidence":1.0,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.641447126865387},{"word":"long","start":1191.03,"end":1191.27,"confidence":1.0,"punctuated_word":"long","sentiment":"positive","sentiment_score":0.5059992074966431},{"word":"term","start":1191.27,"end":1191.51,"confidence":1.0,"punctuated_word":"term","sentiment":"positive","sentiment_score":0.5015676617622375},{"word":"average","start":1191.51,"end":1191.83,"confidence":1.0,"punctuated_word":"average","sentiment":"positive","sentiment_score":0.5426080822944641},{"word":"returns","start":1191.83,"end":1192.15,"confidence":0.9699707,"punctuated_word":"returns.","sentiment":"positive","sentiment_score":0.506498396396637},{"word":"you're","start":1192.15,"end":1192.31,"confidence":0.9975586,"punctuated_word":"You're","sentiment":"positive","sentiment_score":0.3881003856658935},{"word":"still","start":1192.31,"end":1192.55,"confidence":1.0,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.42313945293426514},{"word":"up","start":1192.55,"end":1192.71,"confidence":1.0,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.5790908336639404},{"word":"a","start":1192.71,"end":1192.79,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4750353395938874},{"word":"few","start":1192.79,"end":1193.03,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.3129841089248657},{"word":"percent","start":1193.03,"end":1193.43,"confidence":1.0,"punctuated_word":"percent","sentiment":"positive","sentiment_score":0.568414032459259},{"word":"a","start":1193.43,"end":1193.51,"confidence":0.47314453,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5140649080276489},{"word":"year","start":1193.51,"end":1193.75,"confidence":1.0,"punctuated_word":"year","sentiment":"positive","sentiment_score":0.4830140173435211},{"word":"even","start":1193.75,"end":1193.99,"confidence":0.8203125,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.19597545266151428},{"word":"though","start":1193.99,"end":1194.15,"confidence":1.0,"punctuated_word":"though","sentiment":"neutral","sentiment_score":0.07788056135177612},{"word":"the","start":1194.15,"end":1194.31,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08970978856086731},{"word":"stock","start":1194.31,"end":1194.47,"confidence":0.99902344,"punctuated_word":"stock","sentiment":"neutral","sentiment_score":-0.23960493505001068},{"word":"market's","start":1194.47,"end":1194.87,"confidence":0.970459,"punctuated_word":"market's","sentiment":"neutral","sentiment_score":-0.18303589522838593},{"word":"been","start":1194.87,"end":1195.11,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.1410612165927887},{"word":"plummeting","start":1195.11,"end":1195.61,"confidence":0.99609375,"punctuated_word":"plummeting.","sentiment":"neutral","sentiment_score":-0.10743936151266098},{"word":"all","start":1196.39,"end":1196.63,"confidence":1.0,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.08070734888315201},{"word":"of","start":1196.63,"end":1196.79,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09236419200897215},{"word":"the","start":1196.79,"end":1196.87,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09726864099502563},{"word":"options","start":1196.87,"end":1197.27,"confidence":1.0,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.11452623456716536},{"word":"have","start":1197.27,"end":1197.51,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10299461334943771},{"word":"now","start":1197.51,"end":1197.75,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.07759668678045273},{"word":"been","start":1197.75,"end":1197.99,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.10405834019184113},{"word":"kind","start":1197.99,"end":1198.15,"confidence":0.99609375,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.06334888935089111},{"word":"of","start":1198.15,"end":1198.39,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07522052526473999},{"word":"fixed","start":1198.39,"end":1198.89,"confidence":0.9880371,"punctuated_word":"fixed,","sentiment":"neutral","sentiment_score":0.07621635496616364},{"word":"and","start":1200.0951,"end":1200.3351,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2179463356733322},{"word":"they're","start":1200.3351,"end":1200.495,"confidence":1.0,"punctuated_word":"they're","sentiment":"positive","sentiment_score":0.3758321702480316},{"word":"all","start":1200.495,"end":1200.7351,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.33056849241256714},{"word":"performing","start":1200.7351,"end":1201.055,"confidence":1.0,"punctuated_word":"performing","sentiment":"positive","sentiment_score":0.4377182722091675},{"word":"the","start":1201.055,"end":1201.2151,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5019993782043457},{"word":"way","start":1201.2151,"end":1201.375,"confidence":1.0,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.5393369793891907},{"word":"they","start":1201.375,"end":1201.535,"confidence":1.0,"punctuated_word":"they","sentiment":"positive","sentiment_score":0.48051080107688904},{"word":"should","start":1201.535,"end":1201.6951,"confidence":1.0,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.4386583864688874},{"word":"be","start":1201.6951,"end":1202.1951,"confidence":1.0,"punctuated_word":"be.","sentiment":"neutral","sentiment_score":0.30964338779449463},{"word":"so","start":1204.415,"end":1204.8151,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07692372798919678},{"word":"the","start":1204.8151,"end":1204.9751,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07757975161075592},{"word":"only","start":1204.9751,"end":1205.295,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.04605098068714142},{"word":"real","start":1205.295,"end":1205.535,"confidence":1.0,"punctuated_word":"real","sentiment":"neutral","sentiment_score":0.004588007926940918},{"word":"changes","start":1205.535,"end":1206.015,"confidence":0.9951172,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.038379229605197906},{"word":"we","start":1206.015,"end":1206.175,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.047759562730789185},{"word":"could","start":1206.175,"end":1206.415,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.06791676580905914},{"word":"consider","start":1206.415,"end":1206.915,"confidence":1.0,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":0.036859363317489624},{"word":"is","start":1207.135,"end":1207.6151,"confidence":0.8442383,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":-0.004115980118513107},{"word":"a","start":1207.6151,"end":1207.935,"confidence":0.95825195,"punctuated_word":"a,","sentiment":"neutral","sentiment_score":0.01744047924876213},{"word":"putting","start":1207.935,"end":1208.255,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.04933704808354378},{"word":"more","start":1208.255,"end":1208.5751,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.017099767923355103},{"word":"contributions","start":1208.5751,"end":1209.0751,"confidence":1.0,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.05752839520573616},{"word":"in","start":1209.2151,"end":1209.375,"confidence":0.87353516,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":-0.001972705125808716},{"word":"but","start":1209.375,"end":1209.6151,"confidence":0.9003906,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.10770896077156068},{"word":"again","start":1209.6151,"end":1210.1151,"confidence":1.0,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.19082936644554135},{"word":"cash","start":1210.3351,"end":1210.495,"confidence":1.0,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.30098631978034973},{"word":"flow","start":1210.495,"end":1210.7351,"confidence":0.88964844,"punctuated_word":"flow","sentiment":"negative","sentiment_score":-0.4044438600540161},{"word":"is","start":1210.7351,"end":1210.895,"confidence":0.69921875,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.32675468921661377},{"word":"a","start":1210.895,"end":1210.9751,"confidence":1.0,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3449862003326416},{"word":"bit","start":1210.9751,"end":1211.135,"confidence":1.0,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.3531452417373657},{"word":"tight","start":1211.135,"end":1211.375,"confidence":0.9921875,"punctuated_word":"tight","sentiment":"neutral","sentiment_score":-0.31113046407699585},{"word":"for","start":1211.375,"end":1211.535,"confidence":0.9980469,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.36249637603759766},{"word":"you","start":1211.535,"end":1211.6951,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.31058722734451294},{"word":"at","start":1211.6951,"end":1211.8551,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.260572612285614},{"word":"the","start":1211.8551,"end":1211.935,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2107229381799698},{"word":"moment","start":1211.935,"end":1212.435,"confidence":0.7553711,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.1358291357755661},{"word":"or","start":1214.16,"end":1214.48,"confidence":0.69921875,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.05637321621179581},{"word":"changing","start":1214.48,"end":1214.96,"confidence":0.99902344,"punctuated_word":"changing","sentiment":"neutral","sentiment_score":-0.09147284924983978},{"word":"risk","start":1214.96,"end":1215.2,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.12114113569259644},{"word":"level","start":1215.2,"end":1215.6799,"confidence":0.99365234,"punctuated_word":"level.","sentiment":"neutral","sentiment_score":-0.09014379978179932},{"word":"so","start":1215.6799,"end":1215.9199,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0719284936785698},{"word":"i","start":1215.9199,"end":1216.0,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08509606122970581},{"word":"do","start":1216.0,"end":1216.24,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.03064538538455963},{"word":"just","start":1216.24,"end":1216.4,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.014266297221183777},{"word":"need","start":1216.4,"end":1216.5599,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.045974090695381165},{"word":"to","start":1216.5599,"end":1216.72,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.035279110074043274},{"word":"double","start":1216.72,"end":1216.96,"confidence":1.0,"punctuated_word":"double","sentiment":"neutral","sentiment_score":-0.053334251046180725},{"word":"check","start":1216.96,"end":1217.12,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":-0.027468889951705933},{"word":"that","start":1217.12,"end":1217.36,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07034417986869812},{"word":"you're","start":1217.36,"end":1217.6,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.006331299897283316},{"word":"okay","start":1217.6,"end":1217.9199,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":-0.018613815307617188},{"word":"for","start":1217.9199,"end":1218.08,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.01053573191165924},{"word":"that","start":1218.08,"end":1218.4,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.027078136801719666},{"word":"sort","start":1218.4,"end":1218.64,"confidence":0.99609375,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.005368649959564209},{"word":"of","start":1218.64,"end":1218.7999,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03727680444717407},{"word":"high","start":1218.7999,"end":1218.96,"confidence":1.0,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.07654011249542236},{"word":"growth","start":1218.96,"end":1219.28,"confidence":1.0,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.1081669181585312},{"word":"approach","start":1219.28,"end":1219.6799,"confidence":1.0,"punctuated_word":"approach","sentiment":"neutral","sentiment_score":0.03523799777030945},{"word":"still","start":1219.6799,"end":1220.1799,"confidence":0.9946289,"punctuated_word":"still.","sentiment":"neutral","sentiment_score":-0.01932429149746895},{"word":"yep","start":1234.0549,"end":1234.5549,"confidence":0.9277344,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.009738742373883724},{"word":"now","start":1238.07,"end":1238.47,"confidence":0.9716797,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.0035852156579494476},{"word":"this","start":1238.47,"end":1238.79,"confidence":0.9951172,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.0063164085149765015},{"word":"may","start":1238.79,"end":1238.95,"confidence":0.99902344,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.010223709046840668},{"word":"help","start":1238.95,"end":1239.19,"confidence":1.0,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.04324764758348465},{"word":"you","start":1239.19,"end":1239.4299,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01667604222893715},{"word":"a","start":1239.4299,"end":1239.51,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.005842979997396469},{"word":"little","start":1239.51,"end":1239.67,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.03365214169025421},{"word":"bit","start":1239.67,"end":1239.91,"confidence":0.9807129,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":0.05170053616166115},{"word":"and","start":1239.91,"end":1240.07,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.00295460969209671},{"word":"i'm","start":1240.07,"end":1240.23,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.036964233964681625},{"word":"not","start":1240.23,"end":1240.39,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.058015305548906326},{"word":"trying","start":1240.39,"end":1240.71,"confidence":1.0,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.06230258196592331},{"word":"to","start":1240.71,"end":1240.79,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06877775490283966},{"word":"kind","start":1240.79,"end":1241.03,"confidence":0.98828125,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.06029336899518967},{"word":"of","start":1241.03,"end":1241.11,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.044580064713954926},{"word":"steer","start":1241.11,"end":1241.35,"confidence":0.99609375,"punctuated_word":"steer","sentiment":"neutral","sentiment_score":-0.016480036079883575},{"word":"you","start":1241.35,"end":1241.51,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0264478400349617},{"word":"in","start":1241.51,"end":1241.75,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.002555370330810547},{"word":"either","start":1241.75,"end":1241.99,"confidence":0.99902344,"punctuated_word":"either","sentiment":"neutral","sentiment_score":-0.020220279693603516},{"word":"direction","start":1241.99,"end":1242.49,"confidence":0.90966797,"punctuated_word":"direction.","sentiment":"neutral","sentiment_score":-0.02081391215324402},{"word":"but","start":1242.5499,"end":1243.0499,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.035031042993068695},{"word":"if","start":1243.11,"end":1243.35,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.05449676141142845},{"word":"we're","start":1243.35,"end":1243.59,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.034340135753154755},{"word":"trying","start":1243.59,"end":1243.83,"confidence":1.0,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.03145848959684372},{"word":"to","start":1243.83,"end":1243.99,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03163265436887741},{"word":"get","start":1243.99,"end":1244.15,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.04714497923851013},{"word":"as","start":1244.15,"end":1244.3099,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.002434849739074707},{"word":"much","start":1244.3099,"end":1244.5499,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.013554908335208893},{"word":"growth","start":1244.5499,"end":1244.79,"confidence":1.0,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.047077834606170654},{"word":"out","start":1244.79,"end":1244.95,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.001835152506828308},{"word":"of","start":1244.95,"end":1245.11,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.00025904178619384766},{"word":"it","start":1245.11,"end":1245.19,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0071256160736083984},{"word":"as","start":1245.19,"end":1245.4299,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.03557794541120529},{"word":"possible","start":1245.4299,"end":1245.9299,"confidence":1.0,"punctuated_word":"possible,","sentiment":"neutral","sentiment_score":-0.06141681224107742},{"word":"we","start":1245.99,"end":1246.23,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.06030307710170746},{"word":"kind","start":1246.23,"end":1246.39,"confidence":0.9980469,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.054563961923122406},{"word":"of","start":1246.39,"end":1246.5499,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06484593451023102},{"word":"need","start":1246.5499,"end":1246.79,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.034465231001377106},{"word":"to","start":1246.79,"end":1246.95,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04117622226476669},{"word":"stay","start":1246.95,"end":1247.45,"confidence":0.9980469,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":-0.006611920893192291},{"word":"high","start":1247.67,"end":1247.91,"confidence":0.99902344,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.08315609395503998},{"word":"growth","start":1247.91,"end":1248.15,"confidence":1.0,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.10185997188091278},{"word":"and","start":1248.15,"end":1248.39,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05869048833847046},{"word":"average","start":1248.39,"end":1248.71,"confidence":1.0,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.14355802536010742},{"word":"out","start":1248.71,"end":1248.87,"confidence":0.9707031,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.12546730041503906},{"word":"the","start":1248.87,"end":1249.03,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12085042893886566},{"word":"returns","start":1249.03,"end":1249.4299,"confidence":0.99902344,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":0.19283495843410492},{"word":"until","start":1249.4299,"end":1249.67,"confidence":0.99316406,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.10153225064277648},{"word":"you're","start":1249.67,"end":1249.91,"confidence":0.9909668,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.0848192572593689},{"word":"closer","start":1249.91,"end":1250.41,"confidence":1.0,"punctuated_word":"closer","sentiment":"neutral","sentiment_score":0.06342729181051254},{"word":"as","start":1251.635,"end":1251.7949,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06717796623706818},{"word":"long","start":1251.7949,"end":1251.875,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.1474720537662506},{"word":"as","start":1251.875,"end":1252.0349,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1470151245594025},{"word":"you're","start":1252.0349,"end":1252.195,"confidence":0.9980469,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.17651598155498505},{"word":"comfortable","start":1252.195,"end":1252.6749,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.17579257488250732},{"word":"that","start":1252.6749,"end":1252.835,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19807222485542297},{"word":"it","start":1252.835,"end":1252.995,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2212568074464798},{"word":"bounces","start":1252.995,"end":1253.495,"confidence":0.99902344,"punctuated_word":"bounces","sentiment":"neutral","sentiment_score":0.24671830236911776},{"word":"between","start":1253.5549,"end":1254.0549,"confidence":0.7944336,"punctuated_word":"between,","sentiment":"neutral","sentiment_score":0.04701352119445801},{"word":"oh","start":1254.4349,"end":1254.595,"confidence":0.8503418,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.08958166092634201},{"word":"what","start":1254.595,"end":1254.755,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06276910752058029},{"word":"is","start":1254.755,"end":1254.9149,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06319774687290192},{"word":"it","start":1254.9149,"end":1255.1549,"confidence":0.8535156,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.08149963617324829},{"word":"a","start":1255.1549,"end":1255.315,"confidence":0.6298828,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.135894313454628},{"word":"hundred","start":1255.315,"end":1255.5549,"confidence":0.9980469,"punctuated_word":"hundred","sentiment":"neutral","sentiment_score":0.13469833135604858},{"word":"and","start":1255.5549,"end":1255.875,"confidence":0.94140625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1137191206216812},{"word":"hundred","start":1255.875,"end":1256.2749,"confidence":0.57421875,"punctuated_word":"hundred","sentiment":"neutral","sentiment_score":0.14482808113098145},{"word":"and","start":1256.2749,"end":1256.4349,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1097482219338417},{"word":"twenty","start":1256.4349,"end":1256.755,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.1530229151248932},{"word":"one","start":1256.755,"end":1256.9149,"confidence":0.9980469,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.10709910094738008},{"word":"thousand","start":1256.9149,"end":1257.235,"confidence":1.0,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.1578693389892578},{"word":"now","start":1257.235,"end":1257.475,"confidence":0.8498535,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.12076938152313232},{"word":"so","start":1257.475,"end":1257.595,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08268779516220093},{"word":"a","start":1257.595,"end":1257.715,"confidence":0.7270508,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1425531804561615},{"word":"high","start":1257.715,"end":1257.955,"confidence":0.9980469,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.1978497803211212},{"word":"growth","start":1257.955,"end":1258.2749,"confidence":0.99902344,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.2790646255016327},{"word":"could","start":1258.2749,"end":1258.515,"confidence":0.99902344,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.1364213526248932},{"word":"go","start":1258.515,"end":1258.6749,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2145007848739624},{"word":"down","start":1258.6749,"end":1258.9149,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.165243998169899},{"word":"to","start":1258.9149,"end":1259.075,"confidence":0.9707031,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.14169088006019592},{"word":"like","start":1259.075,"end":1259.395,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.14533942937850952},{"word":"90,000","start":1259.395,"end":1260.0349,"confidence":1.0,"punctuated_word":"90,000","sentiment":"neutral","sentiment_score":0.25107815861701965},{"word":"and","start":1260.0349,"end":1260.195,"confidence":0.5239258,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1314091682434082},{"word":"be","start":1260.195,"end":1260.355,"confidence":0.86621094,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.18375025689601895},{"word":"one","start":1260.355,"end":1260.595,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.19154860079288483},{"word":"seventy","start":1260.595,"end":1261.075,"confidence":0.98095703,"punctuated_word":"seventy","sentiment":"neutral","sentiment_score":0.19011764228343964},{"word":"the","start":1261.075,"end":1261.235,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1763024628162384},{"word":"next","start":1261.235,"end":1261.475,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.1585966795682907},{"word":"year","start":1261.475,"end":1261.975,"confidence":0.9975586,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.057991281151771545},{"word":"yeah","start":1267.41,"end":1267.73,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15448570251464844},{"word":"and","start":1267.73,"end":1267.89,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.14341479539871216},{"word":"we","start":1267.89,"end":1268.0499,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.168184295296669},{"word":"can","start":1268.0499,"end":1268.21,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.17291226983070374},{"word":"always","start":1268.21,"end":1268.53,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.21405728161334991},{"word":"change","start":1268.53,"end":1268.77,"confidence":1.0,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.1531497836112976},{"word":"it","start":1268.77,"end":1268.9299,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09718232601881029},{"word":"again","start":1268.9299,"end":1269.4299,"confidence":0.9995117,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":0.18142659962177277},{"word":"the","start":1270.37,"end":1270.53,"confidence":0.80322266,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.04388350248336792},{"word":"way","start":1270.53,"end":1270.69,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.012331664562225342},{"word":"i","start":1270.69,"end":1270.85,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0193091481924057},{"word":"would","start":1270.85,"end":1271.01,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.014658570289611816},{"word":"kind","start":1271.01,"end":1271.25,"confidence":0.98828125,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.0017181634902954102},{"word":"of","start":1271.25,"end":1271.33,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02753916382789612},{"word":"describe","start":1271.33,"end":1271.73,"confidence":1.0,"punctuated_word":"describe","sentiment":"neutral","sentiment_score":-0.08432425558567047},{"word":"the","start":1271.73,"end":1271.89,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07607954740524292},{"word":"current","start":1271.89,"end":1272.2899,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.11574777215719224},{"word":"situation","start":1272.2899,"end":1272.7899,"confidence":1.0,"punctuated_word":"situation","sentiment":"neutral","sentiment_score":-0.06248694658279419},{"word":"is","start":1272.9299,"end":1273.09,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03665884584188461},{"word":"like","start":1273.09,"end":1273.59,"confidence":0.59228516,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.01416052132844925},{"word":"imagine","start":1273.65,"end":1274.0499,"confidence":0.99902344,"punctuated_word":"imagine","sentiment":"neutral","sentiment_score":-0.0482143871486187},{"word":"if","start":1274.0499,"end":1274.21,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.05258045345544815},{"word":"you","start":1274.21,"end":1274.37,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06636561453342438},{"word":"bought","start":1274.37,"end":1274.69,"confidence":0.9941406,"punctuated_word":"bought","sentiment":"neutral","sentiment_score":-0.008642159402370453},{"word":"that","start":1274.69,"end":1275.19,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05087960511445999},{"word":"investment","start":1275.25,"end":1275.75,"confidence":0.9980469,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.0552101656794548},{"word":"property","start":1275.8099,"end":1276.3099,"confidence":0.7800293,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":-0.04337494075298309},{"word":"you've","start":1277.655,"end":1277.895,"confidence":0.99609375,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":-0.1062004417181015},{"word":"got","start":1277.895,"end":1278.095,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.09340253472328186},{"word":"the","start":1278.295,"end":1278.4551,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1159670278429985},{"word":"value","start":1278.4551,"end":1278.6951,"confidence":1.0,"punctuated_word":"value","sentiment":"neutral","sentiment_score":-0.11501815915107728},{"word":"of","start":1278.6951,"end":1278.775,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08838766068220139},{"word":"it's","start":1278.775,"end":1278.935,"confidence":0.7423096,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.15459060668945312},{"word":"sitting","start":1278.935,"end":1279.175,"confidence":0.99902344,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.06130709499120712},{"word":"at","start":1279.175,"end":1279.3351,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.11462900042533876},{"word":"800,000","start":1279.3351,"end":1280.235,"confidence":0.9864909,"punctuated_word":"800,000.","sentiment":"neutral","sentiment_score":-0.05571723356842995},{"word":"if","start":1280.615,"end":1280.855,"confidence":0.9980469,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.20265963673591617},{"word":"that","start":1280.855,"end":1281.0951,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2424381673336029},{"word":"went","start":1281.0951,"end":1281.415,"confidence":1.0,"punctuated_word":"went","sentiment":"neutral","sentiment_score":-0.1861589550971985},{"word":"down","start":1281.415,"end":1281.655,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.25916576385498047},{"word":"to","start":1281.655,"end":1282.055,"confidence":0.97998047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.28423067927360535},{"word":"600,000","start":1282.055,"end":1283.0951,"confidence":0.9996745,"punctuated_word":"600,000,","sentiment":"neutral","sentiment_score":-0.3003538250923157},{"word":"would","start":1283.0951,"end":1283.3351,"confidence":1.0,"punctuated_word":"would","sentiment":"negative","sentiment_score":-0.36706578731536865},{"word":"that","start":1283.3351,"end":1283.5751,"confidence":1.0,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4762031137943268},{"word":"be","start":1283.5751,"end":1283.895,"confidence":1.0,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.4026496410369873},{"word":"a","start":1283.895,"end":1284.055,"confidence":1.0,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4594728350639343},{"word":"flag","start":1284.055,"end":1284.375,"confidence":1.0,"punctuated_word":"flag","sentiment":"negative","sentiment_score":-0.41998642683029175},{"word":"for","start":1284.375,"end":1284.615,"confidence":0.99902344,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.3914720416069031},{"word":"you","start":1284.615,"end":1284.775,"confidence":1.0,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.5036838054656982},{"word":"to","start":1284.775,"end":1284.855,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.46888792514801025},{"word":"rush","start":1284.855,"end":1285.0951,"confidence":1.0,"punctuated_word":"rush","sentiment":"negative","sentiment_score":-0.4858361780643463},{"word":"off","start":1285.0951,"end":1285.255,"confidence":0.9614258,"punctuated_word":"off","sentiment":"negative","sentiment_score":-0.4267850518226623},{"word":"and","start":1285.255,"end":1285.415,"confidence":0.9970703,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.49442529678344727},{"word":"sell","start":1285.415,"end":1285.655,"confidence":1.0,"punctuated_word":"sell","sentiment":"negative","sentiment_score":-0.444237619638443},{"word":"it","start":1285.655,"end":1286.155,"confidence":1.0,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.3879203200340271},{"word":"and","start":1286.2151,"end":1286.615,"confidence":0.9838867,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.4366663992404938},{"word":"crystallize","start":1286.615,"end":1287.115,"confidence":0.8796387,"punctuated_word":"crystallize","sentiment":"negative","sentiment_score":-0.38146162033081055},{"word":"that","start":1287.255,"end":1287.495,"confidence":1.0,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4278537333011627},{"word":"loss","start":1287.495,"end":1287.995,"confidence":0.810791,"punctuated_word":"loss,","sentiment":"neutral","sentiment_score":-0.26651519536972046},{"word":"or","start":1288.055,"end":1288.295,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.21586517989635468},{"word":"would","start":1288.295,"end":1288.4551,"confidence":0.90722656,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.16044792532920835},{"word":"you","start":1288.4551,"end":1288.615,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.12403686344623566},{"word":"say","start":1288.615,"end":1288.935,"confidence":0.9980469,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.09315235912799837},{"word":"oh","start":1288.935,"end":1289.3351,"confidence":0.9970703,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.06034635379910469},{"word":"that's","start":1289.3351,"end":1289.735,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.031240183860063553},{"word":"a","start":1289.735,"end":1289.895,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01183166354894638},{"word":"buying","start":1289.895,"end":1290.2151,"confidence":1.0,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.0035223960876464844},{"word":"opportunity","start":1290.2151,"end":1290.7151,"confidence":0.9506836,"punctuated_word":"opportunity.","sentiment":"neutral","sentiment_score":0.021600421518087387},{"word":"i'll","start":1290.855,"end":1291.015,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.02538159117102623},{"word":"grab","start":1291.015,"end":1291.3351,"confidence":1.0,"punctuated_word":"grab","sentiment":"neutral","sentiment_score":-0.020633049309253693},{"word":"two","start":1291.3351,"end":1291.495,"confidence":0.9980469,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.04644879698753357},{"word":"more","start":1291.495,"end":1291.8151,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.03493189811706543},{"word":"if","start":1291.8151,"end":1291.9751,"confidence":0.86621094,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.011117681860923769},{"word":"you","start":1291.9751,"end":1292.055,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0699872374534607},{"word":"can","start":1292.055,"end":1292.295,"confidence":0.98828125,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.07295963168144226},{"word":"afford","start":1292.295,"end":1292.615,"confidence":1.0,"punctuated_word":"afford","sentiment":"neutral","sentiment_score":-0.02587814629077911},{"word":"to","start":1292.615,"end":1292.775,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.050355441868305206},{"word":"do","start":1292.775,"end":1292.935,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0776197612285614},{"word":"so","start":1292.935,"end":1293.39,"confidence":0.82592773,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":-0.039444513618946075},{"word":"yeah","start":1295.47,"end":1295.97,"confidence":0.91796875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.19705398380756375},{"word":"so","start":1296.11,"end":1296.51,"confidence":0.96533203,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1897040009498596},{"word":"what","start":1296.51,"end":1296.67,"confidence":0.99609375,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.23615407943725583},{"word":"we're","start":1296.67,"end":1296.83,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.19609832763671875},{"word":"doing","start":1296.83,"end":1297.0701,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.1976464092731476},{"word":"with","start":1297.0701,"end":1297.23,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2106688916683197},{"word":"your","start":1297.23,"end":1297.39,"confidence":0.9863281,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19222846627235413},{"word":"contributions","start":1297.39,"end":1297.89,"confidence":0.9980469,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.1831490695476532},{"word":"is","start":1298.11,"end":1298.27,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.14213895797729492},{"word":"we're","start":1298.27,"end":1298.43,"confidence":0.9951172,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.19965040683746335},{"word":"just","start":1298.43,"end":1298.67,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.23663128912448883},{"word":"gradually","start":1298.67,"end":1299.17,"confidence":0.8911133,"punctuated_word":"gradually","sentiment":"neutral","sentiment_score":0.24170850217342377},{"word":"buying","start":1299.23,"end":1299.47,"confidence":1.0,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.1712542474269867},{"word":"all","start":1299.47,"end":1299.71,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.21100902557373047},{"word":"of","start":1299.71,"end":1299.79,"confidence":0.9482422,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.24664406478405},{"word":"these","start":1299.79,"end":1300.11,"confidence":0.99902344,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.23192660510540009},{"word":"companies","start":1300.11,"end":1300.61,"confidence":0.7067871,"punctuated_word":"companies,","sentiment":"neutral","sentiment_score":0.17805179953575134},{"word":"gold","start":1300.83,"end":1301.31,"confidence":0.9980469,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.24480077624320984},{"word":"properties","start":1301.31,"end":1301.79,"confidence":0.7546387,"punctuated_word":"properties,","sentiment":"neutral","sentiment_score":0.17624683678150177},{"word":"and","start":1301.79,"end":1301.9501,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.130325585603714},{"word":"so","start":1301.9501,"end":1302.1901,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.12116969376802444},{"word":"on","start":1302.1901,"end":1302.6901,"confidence":0.9633789,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.16774454712867737},{"word":"and","start":1302.75,"end":1302.91,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.23470664024353027},{"word":"then","start":1302.91,"end":1303.15,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2120487838983536},{"word":"when","start":1303.15,"end":1303.39,"confidence":1.0,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.384455144405365},{"word":"the","start":1303.39,"end":1303.47,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4214264154434204},{"word":"market","start":1303.47,"end":1303.79,"confidence":1.0,"punctuated_word":"market","sentiment":"positive","sentiment_score":0.5203738808631897},{"word":"bounces","start":1303.79,"end":1304.1901,"confidence":0.99902344,"punctuated_word":"bounces","sentiment":"positive","sentiment_score":0.4426259994506836},{"word":"back","start":1304.1901,"end":1304.43,"confidence":0.9995117,"punctuated_word":"back,","sentiment":"positive","sentiment_score":0.40301513671875},{"word":"you","start":1304.43,"end":1304.59,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4552873075008392},{"word":"get","start":1304.59,"end":1304.83,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.4587629437446594},{"word":"that","start":1304.83,"end":1305.0701,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4664906561374664},{"word":"nice","start":1305.0701,"end":1305.31,"confidence":1.0,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.5675968527793884},{"word":"big","start":1305.31,"end":1305.63,"confidence":0.7270508,"punctuated_word":"big","sentiment":"positive","sentiment_score":0.5856296420097351},{"word":"return","start":1305.63,"end":1306.03,"confidence":1.0,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.5768798589706421},{"word":"on","start":1306.03,"end":1306.11,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.574656069278717},{"word":"the","start":1306.11,"end":1306.27,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5699700117111206},{"word":"way","start":1306.27,"end":1306.51,"confidence":1.0,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.5648525357246399},{"word":"up","start":1306.51,"end":1306.91,"confidence":0.9875488,"punctuated_word":"up,","sentiment":"positive","sentiment_score":0.49467116594314575},{"word":"which","start":1306.91,"end":1307.41,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.444051057100296},{"word":"could","start":1308.115,"end":1308.195,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.3319079577922821},{"word":"be","start":1308.195,"end":1308.695,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.40034812688827515},{"word":"ten","start":1308.835,"end":1309.075,"confidence":0.95581055,"punctuated_word":"ten,","sentiment":"positive","sentiment_score":0.33931323885917664},{"word":"twenty","start":1309.075,"end":1309.395,"confidence":0.99853516,"punctuated_word":"twenty,","sentiment":"neutral","sentiment_score":0.30636775493621826},{"word":"30%","start":1309.395,"end":1309.955,"confidence":0.99902344,"punctuated_word":"30%","sentiment":"positive","sentiment_score":0.4216521084308624},{"word":"up","start":1309.955,"end":1310.455,"confidence":0.9597168,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.3009953498840332},{"word":"okay","start":1312.275,"end":1312.775,"confidence":0.9650879,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.2837176024913788},{"word":"outside","start":1314.115,"end":1314.595,"confidence":0.75146484,"punctuated_word":"Outside","sentiment":"neutral","sentiment_score":0.1717611849308014},{"word":"of","start":1314.595,"end":1314.755,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07437926530838013},{"word":"that","start":1314.755,"end":1315.255,"confidence":0.9995117,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.06350411474704742},{"word":"the","start":1315.7949,"end":1316.2949,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.058320868760347366},{"word":"insurance","start":1317.075,"end":1317.475,"confidence":0.9326172,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.04559355601668358},{"word":"is","start":1317.475,"end":1317.715,"confidence":0.9921875,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03984193503856659},{"word":"coming","start":1317.715,"end":1317.955,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.07046221196651459},{"word":"out","start":1317.955,"end":1318.115,"confidence":0.98095703,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.11306153982877731},{"word":"of","start":1318.115,"end":1318.195,"confidence":0.984375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05342322587966919},{"word":"the","start":1318.195,"end":1318.355,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.053532034158706665},{"word":"account","start":1318.355,"end":1318.6749,"confidence":0.99902344,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.06842169165611267},{"word":"as","start":1318.6749,"end":1318.755,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0828353762626648},{"word":"well","start":1318.755,"end":1318.995,"confidence":0.982666,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.0509423092007637},{"word":"do","start":1318.995,"end":1319.075,"confidence":0.99902344,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.004777193069458008},{"word":"you","start":1319.075,"end":1319.235,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00975802168250084},{"word":"recall","start":1319.235,"end":1319.5549,"confidence":1.0,"punctuated_word":"recall","sentiment":"neutral","sentiment_score":0.014506971463561058},{"word":"your","start":1319.5549,"end":1319.7949,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.019777804613113403},{"word":"neos","start":1319.7949,"end":1320.275,"confidence":0.7949219,"punctuated_word":"Neos","sentiment":"neutral","sentiment_score":0.029701557010412216},{"word":"policy","start":1320.275,"end":1320.775,"confidence":1.0,"punctuated_word":"policy?","sentiment":"neutral","sentiment_score":0.02752026543021202},{"word":"yep","start":1324.6901,"end":1325.1901,"confidence":0.99365234,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0763106644153595},{"word":"that's","start":1334.225,"end":1334.5449,"confidence":0.82543945,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.03975175321102142},{"word":"what","start":1334.5449,"end":1334.705,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.0557604506611824},{"word":"i","start":1334.705,"end":1334.865,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0409860834479332},{"word":"wanted","start":1334.865,"end":1335.1849,"confidence":0.99609375,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.06860797852277756},{"word":"to","start":1335.1849,"end":1335.2649,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.048706360161304474},{"word":"run","start":1335.2649,"end":1335.505,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":-0.0185440331697464},{"word":"by","start":1335.505,"end":1335.745,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.031434692442417145},{"word":"you","start":1335.745,"end":1336.245,"confidence":0.98339844,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.04898235201835632},{"word":"$523,006.82","start":1337.585,"end":1340.965,"confidence":0.9911412,"punctuated_word":"$523,006.82","sentiment":"neutral","sentiment_score":0.12086697667837144},{"word":"of","start":1341.1849,"end":1341.4249,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0829581618309021},{"word":"life","start":1341.4249,"end":1341.745,"confidence":1.0,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.08682312071323395},{"word":"insurance","start":1341.745,"end":1342.245,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.10450539737939836},{"word":"and","start":1342.3849,"end":1342.625,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06984343379735947},{"word":"total","start":1342.625,"end":1343.0249,"confidence":1.0,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.08741036057472229},{"word":"disability","start":1343.0249,"end":1343.5249,"confidence":0.9499512,"punctuated_word":"disability.","sentiment":"neutral","sentiment_score":0.0973447561264038},{"word":"so","start":1343.745,"end":1343.9049,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14406120777130127},{"word":"it's","start":1343.9049,"end":1344.065,"confidence":0.9724121,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.14095667004585266},{"word":"just","start":1344.065,"end":1344.3049,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15137892961502075},{"word":"about","start":1344.3049,"end":1344.625,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.12562590837478638},{"word":"half","start":1344.625,"end":1344.865,"confidence":0.99316406,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.1596113294363022},{"word":"a","start":1344.865,"end":1345.0249,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13435715436935425},{"word":"mil","start":1345.0249,"end":1345.41,"confidence":0.6801758,"punctuated_word":"mil","sentiment":"neutral","sentiment_score":0.11793287843465804},{"word":"plus","start":1345.89,"end":1346.13,"confidence":1.0,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":0.10124118626117706},{"word":"your","start":1346.13,"end":1346.63,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15002121031284332},{"word":"your","start":1346.6901,"end":1346.93,"confidence":0.96777344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17217248678207395},{"word":"super","start":1346.93,"end":1347.43,"confidence":0.9916992,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.17349787056446075},{"word":"so","start":1347.65,"end":1347.9701,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.22266459465026855},{"word":"that","start":1347.9701,"end":1348.29,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.25177866220474243},{"word":"pretty","start":1348.29,"end":1348.61,"confidence":0.9980469,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.2174610048532486},{"word":"much","start":1348.61,"end":1349.01,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.1868969053030014},{"word":"covers","start":1349.01,"end":1349.51,"confidence":1.0,"punctuated_word":"covers","sentiment":"neutral","sentiment_score":0.16782096028327942},{"word":"your","start":1349.65,"end":1350.13,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17224977910518646},{"word":"mortgage","start":1350.13,"end":1350.63,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.15026190876960754},{"word":"plus","start":1351.0901,"end":1351.5701,"confidence":0.6323242,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":0.19331881403923035},{"word":"another","start":1351.5701,"end":1351.9701,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.198125958442688},{"word":"couple","start":1351.9701,"end":1352.29,"confidence":0.99902344,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.19370755553245544},{"word":"100,000","start":1352.29,"end":1353.0901,"confidence":0.79418945,"punctuated_word":"100,000","sentiment":"neutral","sentiment_score":0.2446947395801544},{"word":"and","start":1353.0901,"end":1353.17,"confidence":0.96435547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1847303807735443},{"word":"your","start":1353.17,"end":1353.41,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2231157124042511},{"word":"super","start":1353.41,"end":1353.81,"confidence":0.99902344,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2359222173690796},{"word":"on","start":1353.81,"end":1353.9701,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.22268566489219663},{"word":"top","start":1353.9701,"end":1354.4701,"confidence":0.9995117,"punctuated_word":"top.","sentiment":"neutral","sentiment_score":0.14641079306602478},{"word":"now","start":1356.4501,"end":1356.85,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.08050969243049622},{"word":"premium","start":1356.85,"end":1357.3301,"confidence":0.9790039,"punctuated_word":"premium","sentiment":"neutral","sentiment_score":0.0920436680316925},{"word":"wise","start":1357.3301,"end":1357.8301,"confidence":0.99902344,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":0.13694968819618225},{"word":"it's","start":1359.645,"end":1359.885,"confidence":0.9980469,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.13289253413677216},{"word":"actually","start":1359.885,"end":1360.2051,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.1497425138950348},{"word":"not","start":1360.2051,"end":1360.4451,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.0869879424571991},{"word":"too","start":1360.4451,"end":1360.685,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.08374589681625366},{"word":"bad","start":1360.685,"end":1361.185,"confidence":1.0,"punctuated_word":"bad","sentiment":"neutral","sentiment_score":0.05178038403391838},{"word":"considering","start":1361.405,"end":1361.905,"confidence":0.8671875,"punctuated_word":"considering","sentiment":"neutral","sentiment_score":0.11058226972818376},{"word":"49","start":1362.365,"end":1362.925,"confidence":1.0,"punctuated_word":"49","sentiment":"neutral","sentiment_score":0.01569054275751114},{"word":"turning","start":1362.925,"end":1363.245,"confidence":0.99316406,"punctuated_word":"turning","sentiment":"neutral","sentiment_score":0.026457995176315308},{"word":"50","start":1363.245,"end":1363.645,"confidence":0.9946289,"punctuated_word":"50.","sentiment":"neutral","sentiment_score":0.035955511033535004},{"word":"it's","start":1363.645,"end":1363.885,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.02134474739432335},{"word":"sitting","start":1363.885,"end":1364.125,"confidence":1.0,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.039595380425453186},{"word":"at","start":1364.125,"end":1364.365,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.03481869027018547},{"word":"20","start":1364.365,"end":1364.6051,"confidence":0.9326172,"punctuated_word":"20","sentiment":"neutral","sentiment_score":0.026472043246030807},{"word":"200","start":1364.6051,"end":1365.265,"confidence":0.9992676,"punctuated_word":"200.","sentiment":"neutral","sentiment_score":0.02549763023853302},{"word":"it","start":1366.685,"end":1366.8451,"confidence":0.99902344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.053901467472314835},{"word":"goes","start":1366.8451,"end":1367.165,"confidence":1.0,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.09465039521455763},{"word":"down","start":1367.165,"end":1367.405,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.1141941100358963},{"word":"to","start":1367.405,"end":1367.645,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1133423149585724},{"word":"$1.08","start":1367.645,"end":1368.285,"confidence":0.9970703,"punctuated_word":"$1.08","sentiment":"neutral","sentiment_score":0.07838351279497147},{"word":"$9.03","start":1368.285,"end":1369.005,"confidence":0.99609375,"punctuated_word":"$9.03","sentiment":"neutral","sentiment_score":0.07384836673736572},{"word":"after","start":1369.005,"end":1369.3251,"confidence":0.9980469,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.1006343737244606},{"word":"a","start":1369.3251,"end":1369.4851,"confidence":0.8125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12972211837768555},{"word":"15%","start":1369.4851,"end":1370.045,"confidence":1.0,"punctuated_word":"15%","sentiment":"neutral","sentiment_score":0.12618982791900635},{"word":"rebate","start":1370.045,"end":1370.4451,"confidence":1.0,"punctuated_word":"rebate","sentiment":"neutral","sentiment_score":0.13436338305473328},{"word":"because","start":1370.4451,"end":1370.685,"confidence":0.8232422,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.13651932775974274},{"word":"all","start":1370.685,"end":1370.8451,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1851801723241806},{"word":"of","start":1370.8451,"end":1371.005,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1888127028942108},{"word":"those","start":1371.005,"end":1371.245,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.1902502477169037},{"word":"premiums","start":1371.245,"end":1371.5651,"confidence":0.9980469,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":0.17320655286312103},{"word":"inside","start":1371.5651,"end":1372.045,"confidence":0.96240234,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":0.2393548488616943},{"word":"super","start":1372.045,"end":1372.365,"confidence":0.7199707,"punctuated_word":"Super,","sentiment":"neutral","sentiment_score":0.21870890259742737},{"word":"they","start":1372.365,"end":1372.4451,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.19009710848331451},{"word":"get","start":1372.4451,"end":1372.6051,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.21176409721374512},{"word":"a","start":1372.6051,"end":1372.765,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15498864650726318},{"word":"tax","start":1372.765,"end":1373.005,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.13832439482212067},{"word":"rebate","start":1373.005,"end":1373.505,"confidence":0.97265625,"punctuated_word":"rebate.","sentiment":"neutral","sentiment_score":0.1026451140642166},{"word":"that","start":1375.08,"end":1375.3201,"confidence":0.9863281,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.08197503536939621},{"word":"brings","start":1375.3201,"end":1375.64,"confidence":1.0,"punctuated_word":"brings","sentiment":"neutral","sentiment_score":0.05512642115354538},{"word":"it","start":1375.64,"end":1375.8,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.041201092302799225},{"word":"down","start":1375.8,"end":1375.96,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.08621495962142944},{"word":"a","start":1375.96,"end":1376.04,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01650461181998253},{"word":"little","start":1376.04,"end":1376.28,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.008807383477687836},{"word":"bit","start":1376.28,"end":1376.78,"confidence":1.0,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.009019002318382263},{"word":"we","start":1376.84,"end":1377.34,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.006881922483444214},{"word":"do","start":1377.48,"end":1377.72,"confidence":0.9921875,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.014634400606155396},{"word":"have","start":1377.72,"end":1377.88,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.007759943604469299},{"word":"to","start":1377.88,"end":1378.04,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.004756174981594086},{"word":"keep","start":1378.04,"end":1378.12,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.0042836591601371765},{"word":"an","start":1378.12,"end":1378.28,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.007238343358039856},{"word":"eye","start":1378.28,"end":1378.4401,"confidence":1.0,"punctuated_word":"eye","sentiment":"neutral","sentiment_score":-0.03312036395072937},{"word":"on","start":1378.4401,"end":1378.6,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.01166962832212448},{"word":"that","start":1378.6,"end":1378.76,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.001102253794670105},{"word":"because","start":1378.76,"end":1379.08,"confidence":0.9790039,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.024451985955238342},{"word":"it","start":1379.08,"end":1379.24,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.017228499054908752},{"word":"will","start":1379.24,"end":1379.56,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.009473934769630432},{"word":"increase","start":1379.56,"end":1379.96,"confidence":1.0,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.07771199941635132},{"word":"every","start":1379.96,"end":1380.28,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.0035244375467300415},{"word":"year","start":1380.28,"end":1380.52,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.037318311631679535},{"word":"and","start":1380.52,"end":1380.68,"confidence":0.5175781,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.01667163521051407},{"word":"through","start":1380.68,"end":1380.92,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.0567760095000267},{"word":"the","start":1380.92,"end":1381.08,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03430533409118652},{"word":"fifties","start":1381.08,"end":1381.58,"confidence":0.961792,"punctuated_word":"fifties.","sentiment":"neutral","sentiment_score":-0.01956244744360447},{"word":"if","start":1382.12,"end":1382.28,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.006017066538333893},{"word":"you","start":1382.28,"end":1382.4401,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.207215815782547},{"word":"close","start":1382.4401,"end":1382.76,"confidence":0.8510742,"punctuated_word":"close","sentiment":"neutral","sentiment_score":-0.2024761438369751},{"word":"your","start":1382.76,"end":1382.92,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.2907576262950897},{"word":"eyes","start":1382.92,"end":1383.16,"confidence":1.0,"punctuated_word":"eyes","sentiment":"neutral","sentiment_score":-0.20603935420513153},{"word":"for","start":1383.16,"end":1383.3201,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.2533981502056122},{"word":"seven","start":1383.3201,"end":1383.56,"confidence":1.0,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":-0.32405322790145874},{"word":"years","start":1383.56,"end":1383.8,"confidence":0.99902344,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":-0.2643442749977112},{"word":"it","start":1383.8,"end":1383.88,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.29869672656059265},{"word":"would","start":1383.88,"end":1384.04,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.2547759413719177},{"word":"be","start":1384.04,"end":1384.2001,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.233993262052536},{"word":"six","start":1384.2001,"end":1384.4401,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.2435460388660431},{"word":"grand","start":1384.4401,"end":1384.68,"confidence":1.0,"punctuated_word":"grand","sentiment":"neutral","sentiment_score":-0.18323037028312683},{"word":"before","start":1384.68,"end":1385.0,"confidence":0.99902344,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.2442128211259842},{"word":"you","start":1385.0,"end":1385.08,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.285955011844635},{"word":"know","start":1385.08,"end":1385.3201,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.31090685725212097},{"word":"it","start":1385.3201,"end":1385.655,"confidence":0.9975586,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.21059823036193848},{"word":"so","start":1387.5751,"end":1388.0751,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01480112224817276},{"word":"the","start":1388.2151,"end":1388.295,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.015128161758184431},{"word":"main","start":1388.295,"end":1388.615,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.03932187333703041},{"word":"thing","start":1388.615,"end":1388.855,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.05332254245877266},{"word":"is","start":1388.855,"end":1389.175,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.037858959287405014},{"word":"as","start":1389.175,"end":1389.415,"confidence":0.9160156,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.046139370650053024},{"word":"you","start":1389.415,"end":1389.5751,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05302809178829193},{"word":"pay","start":1389.5751,"end":1389.8151,"confidence":1.0,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.04009260609745979},{"word":"down","start":1389.8151,"end":1390.135,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.037814486771821976},{"word":"that","start":1390.135,"end":1390.375,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03644576296210289},{"word":"mortgage","start":1390.375,"end":1390.875,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.013840317726135254},{"word":"is","start":1391.015,"end":1391.3351,"confidence":0.82177734,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03245619684457779},{"word":"we","start":1391.3351,"end":1391.495,"confidence":0.9941406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03370079770684242},{"word":"will","start":1391.495,"end":1391.735,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.026594437658786777},{"word":"have","start":1391.735,"end":1391.975,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.013219904154539108},{"word":"to","start":1391.975,"end":1392.055,"confidence":0.98535156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02863847464323044},{"word":"trim","start":1392.055,"end":1392.295,"confidence":0.9790039,"punctuated_word":"trim","sentiment":"neutral","sentiment_score":0.015858881175518036},{"word":"it","start":1392.295,"end":1392.4551,"confidence":0.9902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.01033414900302887},{"word":"down","start":1392.4551,"end":1392.775,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.02279404923319817},{"word":"gradually","start":1392.775,"end":1393.275,"confidence":1.0,"punctuated_word":"gradually","sentiment":"neutral","sentiment_score":0.05397655814886093},{"word":"as","start":1393.3351,"end":1393.495,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05396211892366409},{"word":"well","start":1393.495,"end":1393.995,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.03799566626548767},{"word":"it","start":1398.31,"end":1398.63,"confidence":0.90771484,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.013258256018161774},{"word":"wouldn't","start":1398.63,"end":1398.9501,"confidence":1.0,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.006503626704216003},{"word":"have","start":1398.9501,"end":1399.3501,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0165826715528965},{"word":"too","start":1399.3501,"end":1399.5901,"confidence":0.9970703,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.056068211793899536},{"word":"big","start":1399.5901,"end":1399.8301,"confidence":1.0,"punctuated_word":"big","sentiment":"neutral","sentiment_score":-0.051786307245492935},{"word":"of","start":1399.8301,"end":1400.15,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01585584133863449},{"word":"a","start":1400.15,"end":1400.31,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.009259182959794998},{"word":"a","start":1400.31,"end":1400.4701,"confidence":0.62158203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0002705678343772888},{"word":"difference","start":1400.4701,"end":1400.9701,"confidence":1.0,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":-0.03564063087105751},{"word":"unless","start":1401.75,"end":1402.25,"confidence":0.8540039,"punctuated_word":"unless","sentiment":"neutral","sentiment_score":-0.014102032408118248},{"word":"you","start":1402.31,"end":1402.4701,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.030387863516807556},{"word":"wanted","start":1402.4701,"end":1402.79,"confidence":0.97998047,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.02652094140648842},{"word":"to","start":1402.79,"end":1403.1901,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.012341264635324478},{"word":"literally","start":1403.1901,"end":1403.5901,"confidence":0.98291016,"punctuated_word":"literally","sentiment":"neutral","sentiment_score":-0.012848209589719772},{"word":"just","start":1403.5901,"end":1403.8301,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.011150628328323364},{"word":"chop","start":1403.8301,"end":1404.0701,"confidence":0.99902344,"punctuated_word":"chop","sentiment":"neutral","sentiment_score":-0.006683047860860825},{"word":"it","start":1404.0701,"end":1404.31,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.02516569197177887},{"word":"in","start":1404.31,"end":1404.55,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0005678199231624603},{"word":"half","start":1404.55,"end":1405.05,"confidence":1.0,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.042438700795173645},{"word":"and","start":1405.1901,"end":1405.43,"confidence":0.9658203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.005346950143575668},{"word":"just","start":1405.43,"end":1405.67,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0003078170120716095},{"word":"make","start":1405.67,"end":1405.91,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.002804085612297058},{"word":"it","start":1405.91,"end":1406.15,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.014539036899805067},{"word":"just","start":1406.15,"end":1406.39,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03403576835989952},{"word":"in","start":1406.39,"end":1406.55,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03481004759669304},{"word":"line","start":1406.55,"end":1406.7101,"confidence":1.0,"punctuated_word":"line","sentiment":"neutral","sentiment_score":0.05488469451665878},{"word":"with","start":1406.7101,"end":1406.9501,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.02024255692958832},{"word":"your","start":1406.9501,"end":1407.11,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.006953999400138855},{"word":"mortgage","start":1407.11,"end":1407.51,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.0024187155067920685},{"word":"value","start":1407.51,"end":1408.01,"confidence":0.8605957,"punctuated_word":"value,","sentiment":"neutral","sentiment_score":0.004709271714091301},{"word":"and","start":1408.15,"end":1408.31,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0022259466350078583},{"word":"then","start":1408.31,"end":1408.4701,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0061455946415662766},{"word":"that","start":1408.4701,"end":1408.63,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0035305358469486237},{"word":"would","start":1408.63,"end":1408.87,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.02588343620300293},{"word":"obviously","start":1408.87,"end":1409.27,"confidence":0.97265625,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.07022068649530411},{"word":"reduce","start":1409.27,"end":1409.5901,"confidence":0.99902344,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.06212405860424042},{"word":"it","start":1409.5901,"end":1409.75,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.01750500500202179},{"word":"by","start":1409.75,"end":1409.91,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.0474918931722641},{"word":"about","start":1409.91,"end":1410.2301,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.07232619822025299},{"word":"45%","start":1410.2301,"end":1411.1901,"confidence":0.98860675,"punctuated_word":"45%,","sentiment":"neutral","sentiment_score":0.0970473289489746},{"word":"save","start":1411.1901,"end":1411.43,"confidence":1.0,"punctuated_word":"save","sentiment":"neutral","sentiment_score":0.04044939577579498},{"word":"you","start":1411.43,"end":1411.5901,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.008253127336502075},{"word":"a","start":1411.5901,"end":1411.67,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.048008762300014496},{"word":"thousand","start":1411.67,"end":1411.99,"confidence":1.0,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.014305591583251951},{"word":"bucks","start":1411.99,"end":1412.49,"confidence":0.9980469,"punctuated_word":"bucks.","sentiment":"neutral","sentiment_score":0.000913422554731369},{"word":"so","start":1418.8451,"end":1419.2451,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.09803959727287292},{"word":"it","start":1419.2451,"end":1419.5651,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.08876334130764008},{"word":"really","start":1419.5651,"end":1419.885,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.13159920275211334},{"word":"depends","start":1419.885,"end":1420.285,"confidence":1.0,"punctuated_word":"depends","sentiment":"neutral","sentiment_score":-0.059831537306308746},{"word":"on","start":1420.285,"end":1420.685,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.09396436810493468},{"word":"okay","start":1420.765,"end":1421.0851,"confidence":0.9904785,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.11003842204809187},{"word":"let's","start":1421.0851,"end":1421.405,"confidence":0.9995117,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":-0.18532566726207733},{"word":"say","start":1421.405,"end":1421.905,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.11525239050388336},{"word":"you","start":1422.045,"end":1422.2051,"confidence":0.82177734,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1696542650461197},{"word":"can","start":1422.2051,"end":1422.4451,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.212320476770401},{"word":"never","start":1422.4451,"end":1422.685,"confidence":0.96533203,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.2117573767900467},{"word":"work","start":1422.685,"end":1422.925,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.2049877941608429},{"word":"again","start":1422.925,"end":1423.425,"confidence":0.95458984,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":-0.17822858691215515},{"word":"do","start":1423.4851,"end":1423.645,"confidence":0.86865234,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.027240054681897163},{"word":"you","start":1423.645,"end":1423.7251,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.015294704586267471},{"word":"want","start":1423.7251,"end":1423.9651,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.02350696176290512},{"word":"the","start":1423.9651,"end":1424.045,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.011103730648756027},{"word":"mortgage","start":1424.045,"end":1424.545,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.0058475062251091},{"word":"cleared","start":1424.6051,"end":1424.8451,"confidence":1.0,"punctuated_word":"cleared","sentiment":"neutral","sentiment_score":0.059029918164014816},{"word":"off","start":1424.8451,"end":1425.09,"confidence":1.0,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.02034062147140503},{"word":"plus","start":1425.1699,"end":1425.25,"confidence":1.0,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":0.05320081487298012},{"word":"a","start":1425.25,"end":1425.4099,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05368433892726898},{"word":"couple","start":1425.4099,"end":1425.57,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.05777157470583916},{"word":"of","start":1425.57,"end":1425.73,"confidence":0.5703125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.029293183237314224},{"word":"$100","start":1425.73,"end":1426.45,"confidence":0.99853516,"punctuated_word":"$100","sentiment":"neutral","sentiment_score":0.05723453313112259},{"word":"to","start":1426.45,"end":1426.9299,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03189430758357048},{"word":"supplement","start":1426.9299,"end":1427.4099,"confidence":1.0,"punctuated_word":"supplement","sentiment":"neutral","sentiment_score":0.05590538680553436},{"word":"lost","start":1427.4099,"end":1427.73,"confidence":0.9404297,"punctuated_word":"lost","sentiment":"neutral","sentiment_score":0.0203130766749382},{"word":"income","start":1427.73,"end":1428.23,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.05301899462938309},{"word":"up","start":1428.2899,"end":1428.5299,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.035855088382959366},{"word":"until","start":1428.5299,"end":1428.9299,"confidence":1.0,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.008211366832256317},{"word":"retirement","start":1428.9299,"end":1429.4299,"confidence":0.8757324,"punctuated_word":"retirement?","sentiment":"neutral","sentiment_score":0.01207038015127182},{"word":"because","start":1429.49,"end":1429.73,"confidence":0.9291992,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.0278799906373024},{"word":"that'll","start":1429.73,"end":1430.0499,"confidence":0.9812012,"punctuated_word":"that'll","sentiment":"neutral","sentiment_score":0.05236397683620453},{"word":"cover","start":1430.0499,"end":1430.2899,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.04859137535095215},{"word":"you","start":1430.2899,"end":1430.45,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0035672783851623535},{"word":"for","start":1430.45,"end":1430.69,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.015933379530906677},{"word":"about","start":1430.69,"end":1431.19,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.004805628210306168},{"word":"five","start":1431.33,"end":1431.57,"confidence":0.97924805,"punctuated_word":"five,","sentiment":"neutral","sentiment_score":0.00031298398971557617},{"word":"six","start":1431.57,"end":1431.8099,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.015523280948400496},{"word":"years","start":1431.8099,"end":1432.0499,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.023503165692090988},{"word":"of","start":1432.0499,"end":1432.21,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.023928873240947723},{"word":"lost","start":1432.21,"end":1432.5299,"confidence":0.9980469,"punctuated_word":"lost","sentiment":"neutral","sentiment_score":-0.033392515033483505},{"word":"income","start":1432.5299,"end":1433.0299,"confidence":0.79785156,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":-0.014637073501944542},{"word":"or","start":1433.33,"end":1433.57,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.001356404274702072},{"word":"do","start":1433.57,"end":1433.73,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.027081377804279327},{"word":"you","start":1433.73,"end":1433.8099,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.020498324185609818},{"word":"just","start":1433.8099,"end":1434.0499,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.031142421066761017},{"word":"wanna","start":1434.0499,"end":1434.2899,"confidence":0.9248047,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.053098175674676895},{"word":"clear","start":1434.2899,"end":1434.5299,"confidence":1.0,"punctuated_word":"clear","sentiment":"neutral","sentiment_score":0.024313706904649734},{"word":"the","start":1434.5299,"end":1434.61,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.005595974624156952},{"word":"debt","start":1434.61,"end":1434.85,"confidence":1.0,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":-0.0166022926568985},{"word":"and","start":1434.85,"end":1435.01,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0031024664640426636},{"word":"let","start":1435.01,"end":1435.1699,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.034897930920124054},{"word":"your","start":1435.1699,"end":1435.4099,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.015265736728906631},{"word":"partner's","start":1435.4099,"end":1435.8099,"confidence":0.99609375,"punctuated_word":"partner's","sentiment":"neutral","sentiment_score":0.008196244947612286},{"word":"income","start":1435.8099,"end":1436.13,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.01705806702375412},{"word":"cover","start":1436.13,"end":1436.37,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.01408059149980545},{"word":"it","start":1436.37,"end":1436.87,"confidence":0.8171387,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.0019098520278930664},{"word":"okay","start":1444.5449,"end":1445.025,"confidence":0.9914551,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.08487270772457123},{"word":"that","start":1445.025,"end":1445.345,"confidence":0.99902344,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.09740407764911652},{"word":"might","start":1445.345,"end":1445.505,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.08999711275100708},{"word":"be","start":1445.505,"end":1446.005,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.10580551624298096},{"word":"the","start":1446.385,"end":1446.705,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0913475900888443},{"word":"the","start":1446.705,"end":1446.785,"confidence":0.47460938,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08103939890861511},{"word":"trick","start":1446.785,"end":1447.105,"confidence":0.9980469,"punctuated_word":"trick","sentiment":"neutral","sentiment_score":0.1098777800798416},{"word":"afterwards","start":1447.105,"end":1447.605,"confidence":0.99902344,"punctuated_word":"afterwards","sentiment":"neutral","sentiment_score":0.0882149487733841},{"word":"because","start":1447.665,"end":1447.985,"confidence":0.89208984,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.0891769677400589},{"word":"you've","start":1447.985,"end":1448.225,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.07153429836034775},{"word":"got","start":1448.225,"end":1448.725,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.03749603778123856},{"word":"policy","start":1448.945,"end":1449.4249,"confidence":0.99902344,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.03379108011722565},{"word":"anniversary","start":1449.4249,"end":1449.9249,"confidence":1.0,"punctuated_word":"anniversary","sentiment":"neutral","sentiment_score":0.037115685641765594},{"word":"in","start":1449.985,"end":1450.145,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.028746681287884712},{"word":"july","start":1450.145,"end":1450.645,"confidence":0.93847656,"punctuated_word":"July,","sentiment":"neutral","sentiment_score":0.026477418839931488},{"word":"and","start":1451.81,"end":1451.97,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.035345517098903656},{"word":"the","start":1451.97,"end":1452.37,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05302153900265694},{"word":"the","start":1452.37,"end":1452.4501,"confidence":0.9370117,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05013728141784668},{"word":"figures","start":1452.4501,"end":1452.77,"confidence":0.99902344,"punctuated_word":"figures","sentiment":"neutral","sentiment_score":0.044966164976358414},{"word":"will","start":1452.77,"end":1453.01,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.0462239570915699},{"word":"change","start":1453.01,"end":1453.3301,"confidence":1.0,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.04198935627937317},{"word":"around","start":1453.3301,"end":1453.65,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.03825139254331589},{"word":"then","start":1453.65,"end":1453.89,"confidence":0.984375,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06723122298717499},{"word":"as","start":1453.89,"end":1453.97,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06865008175373077},{"word":"well","start":1453.97,"end":1454.47,"confidence":0.9848633,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.04939044639468193},{"word":"are","start":1454.6901,"end":1454.93,"confidence":1.0,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.06990230083465576},{"word":"you","start":1454.93,"end":1455.09,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07756853103637695},{"word":"okay","start":1455.09,"end":1455.59,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.07639776170253754},{"word":"for","start":1455.89,"end":1456.13,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0666784793138504},{"word":"me","start":1456.13,"end":1456.29,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.0588194876909256},{"word":"to","start":1456.29,"end":1456.53,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06873773038387299},{"word":"pencil","start":1456.53,"end":1456.93,"confidence":0.9980469,"punctuated_word":"pencil","sentiment":"neutral","sentiment_score":0.06715966016054153},{"word":"you","start":1456.93,"end":1457.09,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03493151068687439},{"word":"in","start":1457.09,"end":1457.3301,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.060622867196798325},{"word":"for","start":1457.3301,"end":1457.49,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05710111930966377},{"word":"a","start":1457.49,"end":1457.65,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.042085036635398865},{"word":"catch","start":1457.65,"end":1457.89,"confidence":1.0,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":0.04421460255980491},{"word":"up","start":1457.89,"end":1458.13,"confidence":0.9970703,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.02922523021697998},{"word":"around","start":1458.13,"end":1458.37,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.04354352131485939},{"word":"july","start":1458.37,"end":1458.87,"confidence":0.9980469,"punctuated_word":"July?","sentiment":"neutral","sentiment_score":0.04805964231491089},{"word":"that","start":1460.93,"end":1461.17,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.10036124289035796},{"word":"way","start":1461.17,"end":1461.65,"confidence":0.8725586,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.12952053546905518},{"word":"once","start":1461.65,"end":1461.97,"confidence":1.0,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.16900423169136047},{"word":"we've","start":1461.97,"end":1462.21,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.0952768325805664},{"word":"got","start":1462.21,"end":1462.29,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.10506077855825424},{"word":"the","start":1462.29,"end":1462.53,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08204634487628937},{"word":"anniversary","start":1462.53,"end":1463.03,"confidence":1.0,"punctuated_word":"anniversary","sentiment":"neutral","sentiment_score":0.04712396487593651},{"word":"premiums","start":1463.09,"end":1463.5701,"confidence":0.99121094,"punctuated_word":"premiums,","sentiment":"neutral","sentiment_score":0.0851549431681633},{"word":"if","start":1463.5701,"end":1463.73,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.13140851259231567},{"word":"we","start":1463.73,"end":1463.89,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07123541831970215},{"word":"need","start":1463.89,"end":1464.13,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.07512697577476501},{"word":"to","start":1464.13,"end":1464.21,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10052335262298584},{"word":"alter","start":1464.21,"end":1464.61,"confidence":1.0,"punctuated_word":"alter","sentiment":"neutral","sentiment_score":0.09105934202671052},{"word":"it","start":1464.61,"end":1465.01,"confidence":0.98876953,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.1181359440088272},{"word":"it's","start":1465.01,"end":1465.3301,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1012001857161522},{"word":"prorated","start":1465.3301,"end":1465.8301,"confidence":0.95983887,"punctuated_word":"prorated.","sentiment":"neutral","sentiment_score":0.06582964956760406},{"word":"so","start":1466.145,"end":1466.305,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04531116783618927},{"word":"let's","start":1466.305,"end":1466.545,"confidence":0.99658203,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.037415314465761185},{"word":"say","start":1466.545,"end":1466.625,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.035528697073459625},{"word":"they","start":1466.625,"end":1466.785,"confidence":0.9633789,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.045526377856731415},{"word":"take","start":1466.785,"end":1467.025,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.03660682961344719},{"word":"that","start":1467.025,"end":1467.265,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05253079906105995},{"word":"yearly","start":1467.265,"end":1467.665,"confidence":1.0,"punctuated_word":"yearly","sentiment":"neutral","sentiment_score":0.03894960880279541},{"word":"premium","start":1467.665,"end":1467.985,"confidence":1.0,"punctuated_word":"premium","sentiment":"neutral","sentiment_score":0.022559218108654026},{"word":"out","start":1467.985,"end":1468.305,"confidence":0.8769531,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.05387748032808304},{"word":"and","start":1468.305,"end":1468.465,"confidence":0.77441406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03093225136399269},{"word":"we","start":1468.465,"end":1468.7051,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.042638879269361496},{"word":"chop","start":1468.7051,"end":1468.865,"confidence":0.9980469,"punctuated_word":"chop","sentiment":"neutral","sentiment_score":0.02703851088881493},{"word":"it","start":1468.865,"end":1469.025,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.029707979410886765},{"word":"in","start":1469.025,"end":1469.185,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03674823418259621},{"word":"half","start":1469.185,"end":1469.685,"confidence":1.0,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.07930693030357361},{"word":"and","start":1469.985,"end":1470.225,"confidence":0.5258789,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02682546153664589},{"word":"it's","start":1470.225,"end":1470.385,"confidence":0.9975586,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.026745928451418877},{"word":"only","start":1470.385,"end":1470.7051,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.018169840797781944},{"word":"been","start":1470.7051,"end":1470.9451,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.03012433648109436},{"word":"two","start":1470.9451,"end":1471.025,"confidence":0.99902344,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.020971767604351044},{"word":"days","start":1471.025,"end":1471.525,"confidence":0.9379883,"punctuated_word":"days,","sentiment":"neutral","sentiment_score":0.026740245521068573},{"word":"they'll","start":1471.905,"end":1472.225,"confidence":0.939209,"punctuated_word":"they'll","sentiment":"neutral","sentiment_score":0.0810219943523407},{"word":"refund","start":1472.225,"end":1472.625,"confidence":0.96850586,"punctuated_word":"refund,","sentiment":"neutral","sentiment_score":0.07989650964736938},{"word":"like","start":1472.625,"end":1472.865,"confidence":0.99902344,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.07235916703939438},{"word":"99%","start":1472.865,"end":1473.585,"confidence":0.9996745,"punctuated_word":"99%","sentiment":"neutral","sentiment_score":0.07222115993499756},{"word":"of","start":1473.585,"end":1473.745,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06593203544616699},{"word":"it","start":1473.745,"end":1474.245,"confidence":1.0,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.06119430810213089},{"word":"cool","start":1476.385,"end":1476.885,"confidence":0.7590332,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.1994764655828476},{"word":"with","start":1477.745,"end":1477.985,"confidence":0.7451172,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.01805976778268814},{"word":"your","start":1477.985,"end":1478.305,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.01574995368719101},{"word":"occupation","start":1478.305,"end":1478.805,"confidence":0.99902344,"punctuated_word":"occupation","sentiment":"neutral","sentiment_score":0.0059743523597717285},{"word":"change","start":1479.185,"end":1479.585,"confidence":0.9875488,"punctuated_word":"change,","sentiment":"neutral","sentiment_score":-0.010770045220851898},{"word":"i'm","start":1479.585,"end":1479.745,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.0180155448615551},{"word":"just","start":1479.745,"end":1479.905,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.014328114688396454},{"word":"wondering","start":1479.905,"end":1480.225,"confidence":1.0,"punctuated_word":"wondering","sentiment":"neutral","sentiment_score":-0.03975239768624306},{"word":"if","start":1480.225,"end":1480.385,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.04404589906334877},{"word":"that","start":1480.385,"end":1480.625,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04370936378836632},{"word":"affects","start":1480.625,"end":1481.105,"confidence":0.9970703,"punctuated_word":"affects","sentiment":"neutral","sentiment_score":-0.03440612554550171},{"word":"pricing","start":1481.105,"end":1481.605,"confidence":0.80688477,"punctuated_word":"pricing.","sentiment":"neutral","sentiment_score":-0.01729491353034973},{"word":"medical","start":1482.44,"end":1482.92,"confidence":0.99902344,"punctuated_word":"Medical","sentiment":"neutral","sentiment_score":-0.006706744432449341},{"word":"receptionist","start":1482.92,"end":1483.42,"confidence":0.98909503,"punctuated_word":"receptionist,","sentiment":"neutral","sentiment_score":-0.0011267507215961814},{"word":"pharmacy","start":1483.5599,"end":1484.04,"confidence":1.0,"punctuated_word":"pharmacy","sentiment":"neutral","sentiment_score":0.009682603180408478},{"word":"assistant","start":1484.04,"end":1484.52,"confidence":0.8679199,"punctuated_word":"assistant.","sentiment":"neutral","sentiment_score":-0.004520539194345474},{"word":"no","start":1484.52,"end":1484.68,"confidence":0.98291016,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09221595525741576},{"word":"i","start":1484.68,"end":1484.76,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1044010892510414},{"word":"think","start":1484.76,"end":1484.92,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.1195448562502861},{"word":"that","start":1484.92,"end":1485.08,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11637772619724274},{"word":"would","start":1485.08,"end":1485.32,"confidence":0.9892578,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.11401939392089844},{"word":"be","start":1485.32,"end":1485.4,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.12643232941627502},{"word":"pretty","start":1485.4,"end":1485.8,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.1213892251253128},{"word":"similar","start":1485.8,"end":1486.3,"confidence":1.0,"punctuated_word":"similar","sentiment":"neutral","sentiment_score":-0.09850448369979858},{"word":"in","start":1486.36,"end":1486.6,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.12888839840888977},{"word":"risk","start":1486.6,"end":1486.92,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.10043890029191972},{"word":"level","start":1486.92,"end":1487.42,"confidence":0.99902344,"punctuated_word":"level.","sentiment":"neutral","sentiment_score":-0.08032310754060745},{"word":"if","start":1488.84,"end":1489.08,"confidence":0.99609375,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.0776788666844368},{"word":"they","start":1489.08,"end":1489.24,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.060535140335559845},{"word":"bump","start":1489.24,"end":1489.48,"confidence":0.9980469,"punctuated_word":"bump","sentiment":"neutral","sentiment_score":0.11592132598161696},{"word":"you","start":1489.48,"end":1489.64,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10010907053947447},{"word":"up","start":1489.64,"end":1489.8,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.10001374781131744},{"word":"to","start":1489.8,"end":1489.96,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09725168347358704},{"word":"a","start":1489.96,"end":1490.04,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08249910175800323},{"word":"manager","start":1490.04,"end":1490.54,"confidence":1.0,"punctuated_word":"manager","sentiment":"neutral","sentiment_score":0.0555744394659996},{"word":"or","start":1491.0,"end":1491.32,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.13242600858211517},{"word":"something","start":1491.32,"end":1491.64,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.07330745458602905},{"word":"like","start":1491.64,"end":1491.88,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.08913027495145798},{"word":"that","start":1491.88,"end":1492.2,"confidence":1.0,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.14248114824295044},{"word":"you","start":1492.2,"end":1492.36,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20974645018577576},{"word":"could","start":1492.36,"end":1492.52,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.1988113671541214},{"word":"potentially","start":1492.52,"end":1493.0,"confidence":0.99902344,"punctuated_word":"potentially","sentiment":"neutral","sentiment_score":0.2048173546791077},{"word":"get","start":1493.0,"end":1493.24,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.16448618471622467},{"word":"a","start":1493.24,"end":1493.32,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1725408434867859},{"word":"cheaper","start":1493.32,"end":1493.64,"confidence":1.0,"punctuated_word":"cheaper","sentiment":"neutral","sentiment_score":0.13155663013458252},{"word":"premium","start":1493.64,"end":1494.12,"confidence":1.0,"punctuated_word":"premium","sentiment":"neutral","sentiment_score":0.11948615312576294},{"word":"that","start":1494.12,"end":1494.28,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23684793710708615},{"word":"way","start":1494.28,"end":1494.52,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.16952049732208252},{"word":"as","start":1494.52,"end":1494.68,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12499305605888368},{"word":"well","start":1494.68,"end":1495.125,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.07192225009202957},{"word":"cool","start":1496.965,"end":1497.465,"confidence":0.73583984,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.39146190881729126},{"word":"there's","start":1498.165,"end":1498.485,"confidence":0.91796875,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.024293165653944016},{"word":"no","start":1498.485,"end":1498.985,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.15319356322288513},{"word":"income","start":1499.125,"end":1499.525,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.09422647953033449},{"word":"protection","start":1499.525,"end":1500.025,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.11170145869255066},{"word":"or","start":1500.245,"end":1500.565,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.2641597390174866},{"word":"trauma","start":1500.565,"end":1501.045,"confidence":1.0,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.21055784821510315},{"word":"insurance","start":1501.045,"end":1501.525,"confidence":0.7895508,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":-0.13716158270835876},{"word":"i'm","start":1501.525,"end":1501.765,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.02748465351760387},{"word":"assuming","start":1501.765,"end":1502.265,"confidence":0.8911133,"punctuated_word":"assuming.","sentiment":"neutral","sentiment_score":-0.03504301607608795},{"word":"i","start":1504.085,"end":1504.245,"confidence":0.9741211,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.009008191525936128},{"word":"mean","start":1504.245,"end":1504.565,"confidence":0.9980469,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.03405888378620148},{"word":"with","start":1504.565,"end":1504.725,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03268871456384659},{"word":"the","start":1504.725,"end":1504.885,"confidence":0.9604492,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03665752708911896},{"word":"casual","start":1504.885,"end":1505.285,"confidence":0.99902344,"punctuated_word":"casual","sentiment":"neutral","sentiment_score":0.024841219186782837},{"word":"income","start":1505.285,"end":1505.685,"confidence":0.9975586,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.035528719425201416},{"word":"your","start":1505.685,"end":1505.845,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.011009544134140016},{"word":"partner's","start":1505.845,"end":1506.245,"confidence":0.9914551,"punctuated_word":"partner's","sentiment":"neutral","sentiment_score":0.017442991957068443},{"word":"income","start":1506.245,"end":1506.565,"confidence":0.9980469,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.007986202836036682},{"word":"is","start":1506.565,"end":1506.645,"confidence":0.77734375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.045087508857250214},{"word":"the","start":1506.645,"end":1506.805,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01729581505060196},{"word":"main","start":1506.805,"end":1507.045,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.03915197402238846},{"word":"one","start":1507.045,"end":1507.285,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.025101497769355777},{"word":"to","start":1507.285,"end":1507.525,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.015406370162963867},{"word":"insure","start":1507.525,"end":1507.925,"confidence":0.78564453,"punctuated_word":"insure.","sentiment":"neutral","sentiment_score":0.020137116312980652},{"word":"would","start":1507.925,"end":1508.085,"confidence":1.0,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.039885181933641434},{"word":"you","start":1508.085,"end":1508.325,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02761033922433853},{"word":"agree","start":1508.325,"end":1508.825,"confidence":1.0,"punctuated_word":"agree?","sentiment":"neutral","sentiment_score":0.030180227011442184},{"word":"yep","start":1510.96,"end":1511.28,"confidence":0.99316406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07008682191371918},{"word":"and","start":1511.28,"end":1511.4401,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04430534690618515},{"word":"i'm","start":1511.4401,"end":1511.68,"confidence":0.9975586,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.023673659190535545},{"word":"assuming","start":1511.68,"end":1512.08,"confidence":1.0,"punctuated_word":"assuming","sentiment":"neutral","sentiment_score":0.016424430534243584},{"word":"you","start":1512.08,"end":1512.24,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02498035877943039},{"word":"probably","start":1512.24,"end":1512.48,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.02917081117630005},{"word":"don't","start":1512.48,"end":1512.64,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.05862030014395714},{"word":"want","start":1512.64,"end":1512.72,"confidence":0.99316406,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.09311477839946748},{"word":"another","start":1512.72,"end":1513.04,"confidence":0.99609375,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.11044450104236604},{"word":"$5","start":1513.04,"end":1513.4401,"confidence":0.98657227,"punctuated_word":"$5","sentiment":"neutral","sentiment_score":-0.06625914573669434},{"word":"worth","start":1513.4401,"end":1513.68,"confidence":0.9980469,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":-0.09276196360588074},{"word":"of","start":1513.68,"end":1513.76,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1026383340358734},{"word":"premiums","start":1513.76,"end":1514.24,"confidence":0.99902344,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":-0.0688629075884819},{"word":"for","start":1514.24,"end":1514.4,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.04505603387951851},{"word":"some","start":1514.4,"end":1514.64,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.04027600213885307},{"word":"income","start":1514.64,"end":1514.96,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.03119055926799774},{"word":"protection","start":1514.96,"end":1515.46,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.01812339574098587},{"word":"at","start":1515.52,"end":1515.6,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.08043050765991211},{"word":"the","start":1515.6,"end":1515.76,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06929978728294373},{"word":"moment","start":1515.76,"end":1516.26,"confidence":0.9970703,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.070322185754776},{"word":"oh","start":1520.8,"end":1521.3,"confidence":0.5114746,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.057062894105911255},{"word":"that's","start":1539.32,"end":1539.7999,"confidence":0.8492839,"punctuated_word":"That's,","sentiment":"negative","sentiment_score":-0.35307109355926514},{"word":"yeah","start":1539.7999,"end":1540.04,"confidence":0.9970703,"punctuated_word":"yeah,","sentiment":"negative","sentiment_score":-0.35151588916778564},{"word":"that's","start":1540.04,"end":1540.2,"confidence":0.99853516,"punctuated_word":"that's","sentiment":"negative","sentiment_score":-0.3924272060394287},{"word":"a","start":1540.2,"end":1540.36,"confidence":0.9921875,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3801347315311432},{"word":"bit","start":1540.36,"end":1540.6,"confidence":1.0,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.3724714815616608},{"word":"painful","start":1540.6,"end":1541.1,"confidence":1.0,"punctuated_word":"painful.","sentiment":"negative","sentiment_score":-0.4022075831890106},{"word":"my","start":1541.4,"end":1541.64,"confidence":0.5917969,"punctuated_word":"My","sentiment":"neutral","sentiment_score":-0.2026406079530716},{"word":"main","start":1541.64,"end":1541.88,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":-0.15217269957065582},{"word":"job","start":1541.88,"end":1542.12,"confidence":1.0,"punctuated_word":"job","sentiment":"neutral","sentiment_score":-0.15119728446006775},{"word":"is","start":1542.12,"end":1542.28,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1595190465450287},{"word":"to","start":1542.28,"end":1542.44,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.14028334617614746},{"word":"say","start":1542.44,"end":1542.6799,"confidence":0.9980469,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.07252322137355804},{"word":"hey","start":1542.6799,"end":1542.84,"confidence":0.9226074,"punctuated_word":"hey.","sentiment":"neutral","sentiment_score":-0.04265826940536499},{"word":"you","start":1542.84,"end":1543.08,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.06380904465913773},{"word":"could","start":1543.08,"end":1543.32,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.075045645236969},{"word":"have","start":1543.32,"end":1543.5599,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.082093745470047},{"word":"these","start":1543.5599,"end":1543.88,"confidence":1.0,"punctuated_word":"these","sentiment":"neutral","sentiment_score":-0.06045836955308914},{"word":"four","start":1543.88,"end":1544.12,"confidence":0.9819336,"punctuated_word":"four","sentiment":"neutral","sentiment_score":-0.05849771946668625},{"word":"insurances","start":1544.12,"end":1544.62,"confidence":0.99365234,"punctuated_word":"insurances.","sentiment":"neutral","sentiment_score":-0.06721280515193939},{"word":"are","start":1545.0,"end":1545.24,"confidence":1.0,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.026969097554683685},{"word":"they","start":1545.24,"end":1545.48,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.02055549994111061},{"word":"appropriate","start":1545.48,"end":1545.98,"confidence":0.98950195,"punctuated_word":"appropriate?","sentiment":"neutral","sentiment_score":-0.05634956806898117},{"word":"yes","start":1546.12,"end":1546.36,"confidence":1.0,"punctuated_word":"Yes","sentiment":"neutral","sentiment_score":-0.04178561270236969},{"word":"or","start":1546.36,"end":1546.52,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.053126778453588486},{"word":"no","start":1546.52,"end":1547.02,"confidence":0.89208984,"punctuated_word":"no?","sentiment":"neutral","sentiment_score":-0.09356314688920976},{"word":"for","start":1547.105,"end":1547.265,"confidence":0.99902344,"punctuated_word":"For","sentiment":"neutral","sentiment_score":-0.0548040047287941},{"word":"you","start":1547.265,"end":1547.665,"confidence":0.9941406,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.04978935793042183},{"word":"life","start":1547.665,"end":1547.985,"confidence":0.9902344,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.1944504678249359},{"word":"and","start":1547.985,"end":1548.225,"confidence":0.9741211,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1764768809080124},{"word":"tpd","start":1548.225,"end":1548.7051,"confidence":0.92993164,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":-0.1130167692899704},{"word":"is","start":1548.7051,"end":1549.025,"confidence":0.83984375,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.14925816655158997},{"word":"income","start":1549.025,"end":1549.345,"confidence":0.9980469,"punctuated_word":"Income","sentiment":"neutral","sentiment_score":-0.104935385286808},{"word":"protection","start":1549.345,"end":1549.8251,"confidence":0.97753906,"punctuated_word":"protection,","sentiment":"neutral","sentiment_score":-0.08285083621740341},{"word":"not","start":1549.8251,"end":1549.985,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1868446171283722},{"word":"so","start":1549.985,"end":1550.145,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.18847888708114624},{"word":"much","start":1550.145,"end":1550.645,"confidence":0.99365234,"punctuated_word":"much.","sentiment":"neutral","sentiment_score":-0.16298949718475342},{"word":"and","start":1552.145,"end":1552.465,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.04469510167837143},{"word":"it's","start":1552.465,"end":1552.625,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.042954303324222565},{"word":"up","start":1552.625,"end":1552.865,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.030646175146102905},{"word":"to","start":1552.865,"end":1552.9451,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03704506903886795},{"word":"you","start":1552.9451,"end":1553.105,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.026203781366348267},{"word":"whether","start":1553.105,"end":1553.265,"confidence":0.9980469,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.03263228386640549},{"word":"you","start":1553.265,"end":1553.505,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.060104988515377045},{"word":"feel","start":1553.505,"end":1553.745,"confidence":0.9980469,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.06052485480904579},{"word":"like","start":1553.745,"end":1553.905,"confidence":0.98828125,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.0937800258398056},{"word":"you","start":1553.905,"end":1554.0651,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09782756865024568},{"word":"can","start":1554.0651,"end":1554.305,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.11425258964300156},{"word":"afford","start":1554.305,"end":1554.7051,"confidence":1.0,"punctuated_word":"afford","sentiment":"neutral","sentiment_score":-0.14508765935897827},{"word":"to","start":1554.7051,"end":1554.785,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12156441807746889},{"word":"get","start":1554.785,"end":1555.025,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.15700678527355194},{"word":"some","start":1555.025,"end":1555.265,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.16290012001991272},{"word":"trauma","start":1555.265,"end":1555.745,"confidence":1.0,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.10090406239032744},{"word":"insurance","start":1555.745,"end":1556.245,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.10037966072559357},{"word":"out","start":1556.305,"end":1556.465,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.09023239463567734},{"word":"of","start":1556.465,"end":1556.545,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09568311274051666},{"word":"pocket","start":1556.545,"end":1556.9451,"confidence":0.9941406,"punctuated_word":"pocket","sentiment":"neutral","sentiment_score":-0.09318719059228896},{"word":"for","start":1556.9451,"end":1557.105,"confidence":0.9838867,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0910445898771286},{"word":"heart","start":1557.105,"end":1557.345,"confidence":0.9941406,"punctuated_word":"heart","sentiment":"neutral","sentiment_score":-0.08771614730358124},{"word":"attack","start":1557.345,"end":1557.665,"confidence":0.94311523,"punctuated_word":"attack,","sentiment":"neutral","sentiment_score":-0.08349461108446121},{"word":"stroke","start":1557.665,"end":1558.0651,"confidence":0.984375,"punctuated_word":"stroke,","sentiment":"neutral","sentiment_score":-0.0955631658434868},{"word":"and","start":1558.0651,"end":1558.225,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.12931326031684875},{"word":"cancer","start":1558.225,"end":1558.725,"confidence":0.95703125,"punctuated_word":"cancer.","sentiment":"neutral","sentiment_score":-0.10104833543300629},{"word":"you","start":1558.9451,"end":1559.105,"confidence":0.9980469,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.13715840876102448},{"word":"can't","start":1559.105,"end":1559.425,"confidence":1.0,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.13121822476387024},{"word":"fund","start":1559.425,"end":1559.5851,"confidence":0.7080078,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.12360996752977373},{"word":"it","start":1559.5851,"end":1559.745,"confidence":0.8803711,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.13240867853164673},{"word":"through","start":1559.745,"end":1559.905,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.17984212934970856},{"word":"your","start":1559.905,"end":1560.145,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.17436598241329193},{"word":"super","start":1560.145,"end":1560.645,"confidence":0.984375,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":-0.1046404242515564},{"word":"if","start":1561.6799,"end":1561.84,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.059658683836460114},{"word":"you","start":1561.84,"end":1561.9199,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05841703712940216},{"word":"have","start":1561.9199,"end":1562.08,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.052536435425281525},{"word":"a","start":1562.08,"end":1562.24,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.057298317551612854},{"word":"heart","start":1562.24,"end":1562.48,"confidence":1.0,"punctuated_word":"heart","sentiment":"neutral","sentiment_score":-0.05352266877889633},{"word":"attack","start":1562.48,"end":1562.7999,"confidence":1.0,"punctuated_word":"attack,","sentiment":"neutral","sentiment_score":-0.05501491576433182},{"word":"do","start":1562.7999,"end":1562.96,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.06252764910459518},{"word":"you","start":1562.96,"end":1563.12,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06374627351760864},{"word":"rely","start":1563.12,"end":1563.44,"confidence":1.0,"punctuated_word":"rely","sentiment":"neutral","sentiment_score":-0.06507240980863571},{"word":"on","start":1563.44,"end":1563.6,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.07066865265369415},{"word":"your","start":1563.6,"end":1563.76,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.05844907462596893},{"word":"partner","start":1563.76,"end":1564.0,"confidence":0.9863281,"punctuated_word":"partner","sentiment":"neutral","sentiment_score":-0.04727767780423165},{"word":"in","start":1564.0,"end":1564.1599,"confidence":0.9902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.05420423299074173},{"word":"the","start":1564.1599,"end":1564.32,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.047651126980781555},{"word":"public","start":1564.32,"end":1564.5599,"confidence":0.9980469,"punctuated_word":"public","sentiment":"neutral","sentiment_score":-0.052304476499557495},{"word":"health","start":1564.5599,"end":1564.88,"confidence":1.0,"punctuated_word":"health","sentiment":"neutral","sentiment_score":-0.04890462011098862},{"word":"system","start":1564.88,"end":1565.36,"confidence":0.94140625,"punctuated_word":"system,","sentiment":"neutral","sentiment_score":-0.050884097814559937},{"word":"or","start":1565.36,"end":1565.5199,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.04705469682812691},{"word":"would","start":1565.5199,"end":1565.6799,"confidence":0.9941406,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.036116667091846466},{"word":"you","start":1565.6799,"end":1565.76,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05198381841182709},{"word":"like","start":1565.76,"end":1566.0,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.05770073086023331},{"word":"insurance","start":1566.0,"end":1566.5,"confidence":0.99902344,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.05583956837654114},{"word":"for","start":1566.5599,"end":1566.72,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.06656021624803543},{"word":"that","start":1566.72,"end":1567.22,"confidence":0.9995117,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.06467051804065704},{"word":"i","start":1574.015,"end":1574.1749,"confidence":0.8803711,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.034396231174468994},{"word":"would","start":1574.1749,"end":1574.335,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.02308136783540249},{"word":"say","start":1574.335,"end":1574.575,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.026393935084342957},{"word":"for","start":1574.575,"end":1574.735,"confidence":0.97998047,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.029227737337350845},{"word":"a","start":1574.735,"end":1574.815,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03124682977795601},{"word":"standard","start":1574.815,"end":1575.135,"confidence":0.99902344,"punctuated_word":"standard","sentiment":"neutral","sentiment_score":-0.023549746721982956},{"word":"100,000","start":1575.135,"end":1575.775,"confidence":0.9880371,"punctuated_word":"100,000","sentiment":"neutral","sentiment_score":0.0032522156834602356},{"word":"worth","start":1575.775,"end":1576.015,"confidence":0.9902344,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":-0.020661350339651108},{"word":"of","start":1576.015,"end":1576.1749,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.030655167996883392},{"word":"cover","start":1576.1749,"end":1576.495,"confidence":0.99658203,"punctuated_word":"cover,","sentiment":"neutral","sentiment_score":-0.032700758427381516},{"word":"it","start":1576.495,"end":1576.735,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0359094999730587},{"word":"would","start":1576.735,"end":1576.975,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.03714611753821373},{"word":"probably","start":1576.975,"end":1577.455,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.03383004665374756},{"word":"be","start":1577.455,"end":1577.695,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.036978915333747864},{"word":"around","start":1577.695,"end":1578.195,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.0293881893157959},{"word":"100","start":1578.735,"end":1579.135,"confidence":0.94189453,"punctuated_word":"100","sentiment":"neutral","sentiment_score":-0.02231438085436821},{"word":"to","start":1579.135,"end":1579.2949,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.040427740663290024},{"word":"200","start":1579.2949,"end":1579.615,"confidence":1.0,"punctuated_word":"200","sentiment":"neutral","sentiment_score":-0.02082226239144802},{"word":"a","start":1579.615,"end":1579.775,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03237142786383629},{"word":"month","start":1579.775,"end":1580.275,"confidence":0.99560547,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":-0.039555490016937256},{"word":"yeah","start":1592.6699,"end":1593.1699,"confidence":0.8691406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04295283555984497},{"word":"yeah","start":1610.9401,"end":1611.26,"confidence":0.8762207,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.022856464609503743},{"word":"no","start":1611.26,"end":1611.66,"confidence":0.9975586,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.03471008315682411},{"word":"totally","start":1611.66,"end":1612.16,"confidence":0.9970703,"punctuated_word":"Totally","sentiment":"neutral","sentiment_score":0.22933438420295715},{"word":"fine","start":1612.22,"end":1612.72,"confidence":1.0,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.33140307664871216},{"word":"i","start":1614.38,"end":1614.62,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2608379125595093},{"word":"am","start":1614.62,"end":1614.86,"confidence":1.0,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.31513214111328125},{"word":"guided","start":1614.86,"end":1615.26,"confidence":1.0,"punctuated_word":"guided","sentiment":"neutral","sentiment_score":0.3064739406108856},{"word":"by","start":1615.26,"end":1615.34,"confidence":1.0,"punctuated_word":"by","sentiment":"positive","sentiment_score":0.34424835443496704},{"word":"you","start":1615.34,"end":1615.58,"confidence":0.99902344,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.3208797872066498},{"word":"that","start":1615.58,"end":1615.74,"confidence":1.0,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.6725690960884094},{"word":"is","start":1615.74,"end":1615.98,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6565122604370117},{"word":"perfect","start":1615.98,"end":1616.48,"confidence":1.0,"punctuated_word":"perfect.","sentiment":"positive","sentiment_score":0.5991583466529846},{"word":"the","start":1617.66,"end":1617.8201,"confidence":0.8251953,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.13497862219810486},{"word":"last","start":1617.8201,"end":1618.06,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.041492730379104614},{"word":"thing","start":1618.06,"end":1618.22,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.0909200981259346},{"word":"i","start":1618.22,"end":1618.3,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06034833565354347},{"word":"was","start":1618.3,"end":1618.46,"confidence":0.99316406,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.056472960859537125},{"word":"gonna","start":1618.46,"end":1618.7,"confidence":0.72998047,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.059193097054958344},{"word":"check","start":1618.7,"end":1618.9401,"confidence":0.99902344,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.04659291356801987},{"word":"was","start":1618.9401,"end":1619.18,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.00988675281405449},{"word":"just","start":1619.18,"end":1619.42,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.026271376758813855},{"word":"in","start":1619.42,"end":1619.58,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.030861832201480865},{"word":"terms","start":1619.58,"end":1619.74,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.04150504246354103},{"word":"of","start":1619.74,"end":1620.24,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04522556811571121},{"word":"beneficiaries","start":1620.3,"end":1620.8,"confidence":0.9885254,"punctuated_word":"beneficiaries.","sentiment":"neutral","sentiment_score":0.020985452458262444},{"word":"i","start":1621.34,"end":1621.58,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.00601037684828043},{"word":"might","start":1621.58,"end":1621.9,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.03498855605721474},{"word":"have","start":1621.9,"end":1622.06,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.051895126700401306},{"word":"to","start":1622.06,"end":1622.56,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03881513327360153},{"word":"dig","start":1622.62,"end":1622.86,"confidence":1.0,"punctuated_word":"dig","sentiment":"neutral","sentiment_score":-0.04009103402495384},{"word":"into","start":1622.86,"end":1623.36,"confidence":0.9970703,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.03702307865023613},{"word":"the","start":1623.985,"end":1624.225,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.031240465119481087},{"word":"accounts","start":1624.225,"end":1624.625,"confidence":0.94384766,"punctuated_word":"accounts","sentiment":"neutral","sentiment_score":-0.03497479856014252},{"word":"a","start":1624.625,"end":1624.7849,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04656821861863136},{"word":"bit","start":1624.7849,"end":1625.0249,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.042331427335739136},{"word":"deeper","start":1625.0249,"end":1625.5249,"confidence":0.9995117,"punctuated_word":"deeper.","sentiment":"neutral","sentiment_score":-0.0303613543510437},{"word":"the","start":1625.745,"end":1625.985,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.045160092413425446},{"word":"certificate","start":1625.985,"end":1626.465,"confidence":0.99902344,"punctuated_word":"certificate","sentiment":"neutral","sentiment_score":-0.023829439654946327},{"word":"of","start":1626.465,"end":1626.5449,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.029995905235409737},{"word":"currency","start":1626.5449,"end":1626.945,"confidence":0.9970703,"punctuated_word":"currency","sentiment":"neutral","sentiment_score":-0.018336232751607895},{"word":"for","start":1626.945,"end":1627.0249,"confidence":0.99121094,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.027456209063529968},{"word":"nios","start":1627.0249,"end":1627.4249,"confidence":0.4267578,"punctuated_word":"Nios","sentiment":"neutral","sentiment_score":-0.016535252332687378},{"word":"doesn't","start":1627.4249,"end":1627.6649,"confidence":0.99853516,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.025564447045326233},{"word":"actually","start":1627.6649,"end":1627.985,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.02588864043354988},{"word":"tell","start":1627.985,"end":1628.1449,"confidence":1.0,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":-0.02136580646038055},{"word":"me","start":1628.1449,"end":1628.385,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.027623921632766724},{"word":"who's","start":1628.385,"end":1628.705,"confidence":1.0,"punctuated_word":"who's","sentiment":"neutral","sentiment_score":-0.021169504150748253},{"word":"listed","start":1628.705,"end":1629.0249,"confidence":1.0,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":-0.01071921270340681},{"word":"on","start":1629.0249,"end":1629.1849,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.007884490303695202},{"word":"there","start":1629.1849,"end":1629.6849,"confidence":0.79003906,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.006165383383631706},{"word":"i'm","start":1630.945,"end":1631.1849,"confidence":0.99853516,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.007027755957096815},{"word":"assuming","start":1631.1849,"end":1631.6649,"confidence":1.0,"punctuated_word":"assuming","sentiment":"neutral","sentiment_score":0.004269522614777088},{"word":"you","start":1631.6649,"end":1631.825,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.000845838338136673},{"word":"still","start":1631.825,"end":1632.065,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.00209013931453228},{"word":"want","start":1632.065,"end":1632.3049,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.0014060437679290771},{"word":"your","start":1632.3049,"end":1632.5449,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0021887775510549545},{"word":"partner","start":1632.5449,"end":1633.0449,"confidence":1.0,"punctuated_word":"partner","sentiment":"neutral","sentiment_score":0.012456174939870834},{"word":"to","start":1633.1849,"end":1633.345,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.022419793531298637},{"word":"receive","start":1633.345,"end":1633.745,"confidence":1.0,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":0.014039061963558195},{"word":"the","start":1633.745,"end":1633.985,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04803589731454849},{"word":"super","start":1633.985,"end":1634.465,"confidence":0.90527344,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.05607086792588234},{"word":"and","start":1634.465,"end":1634.5449,"confidence":0.9892578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01695198193192482},{"word":"the","start":1634.5449,"end":1634.7849,"confidence":0.9658203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05323879420757294},{"word":"life","start":1634.7849,"end":1635.0249,"confidence":0.9892578,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.02657460793852806},{"word":"insurance","start":1635.0249,"end":1635.505,"confidence":0.9975586,"punctuated_word":"insurance.","sentiment":"neutral","sentiment_score":0.02255469001829624},{"word":"is","start":1635.505,"end":1635.6649,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.03020543046295643},{"word":"that","start":1635.6649,"end":1635.825,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.042512811720371246},{"word":"right","start":1635.825,"end":1636.23,"confidence":1.0,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.03493748605251312},{"word":"perfect","start":1638.23,"end":1638.63,"confidence":0.9628906,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4279034435749054},{"word":"perfect","start":1638.63,"end":1638.95,"confidence":0.9995117,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3782952427864074},{"word":"so","start":1638.95,"end":1639.11,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1872216761112213},{"word":"what","start":1639.11,"end":1639.35,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1890999972820282},{"word":"i'll","start":1639.35,"end":1639.51,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1721075028181076},{"word":"do","start":1639.51,"end":1640.01,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1323203295469284},{"word":"is","start":1640.07,"end":1640.57,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09181833267211914},{"word":"straight","start":1640.63,"end":1640.95,"confidence":0.96533203,"punctuated_word":"straight","sentiment":"neutral","sentiment_score":0.1270556598901749},{"word":"after","start":1640.95,"end":1641.27,"confidence":1.0,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.09597058594226836},{"word":"this","start":1641.27,"end":1641.51,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1382433921098709},{"word":"call","start":1641.51,"end":1641.99,"confidence":0.9980469,"punctuated_word":"call,","sentiment":"neutral","sentiment_score":0.12759211659431458},{"word":"i","start":1641.99,"end":1642.23,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12504732608795166},{"word":"will","start":1642.23,"end":1642.73,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.08411425352096558},{"word":"send","start":1642.79,"end":1643.03,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.07650462538003922},{"word":"you","start":1643.03,"end":1643.19,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08613260090351105},{"word":"a","start":1643.19,"end":1643.35,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09528523683547974},{"word":"message","start":1643.35,"end":1643.85,"confidence":1.0,"punctuated_word":"message","sentiment":"neutral","sentiment_score":0.09015736728906631},{"word":"once","start":1643.91,"end":1644.15,"confidence":0.97509766,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.0932656303048134},{"word":"i've","start":1644.15,"end":1644.47,"confidence":0.98535156,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.1006866693496704},{"word":"logged","start":1644.47,"end":1644.79,"confidence":1.0,"punctuated_word":"logged","sentiment":"neutral","sentiment_score":0.08930447697639465},{"word":"in","start":1644.79,"end":1645.03,"confidence":0.5732422,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0816841870546341},{"word":"to","start":1645.03,"end":1645.4299,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13237647712230682},{"word":"both","start":1645.4299,"end":1645.75,"confidence":1.0,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.11906178295612337},{"word":"accounts","start":1645.75,"end":1646.25,"confidence":1.0,"punctuated_word":"accounts","sentiment":"neutral","sentiment_score":0.10615190118551254},{"word":"just","start":1646.39,"end":1646.63,"confidence":0.93408203,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14880289137363434},{"word":"to","start":1646.63,"end":1646.79,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1213909462094307},{"word":"double","start":1646.79,"end":1647.03,"confidence":1.0,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.11718685925006866},{"word":"check","start":1647.03,"end":1647.27,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.14237409830093384},{"word":"that","start":1647.27,"end":1647.4299,"confidence":0.96435547,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12895353138446808},{"word":"that's","start":1647.4299,"end":1647.59,"confidence":0.99609375,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1332162320613861},{"word":"all","start":1647.59,"end":1647.83,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.11119961738586426},{"word":"up","start":1647.83,"end":1647.99,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.10147467255592346},{"word":"to","start":1647.99,"end":1648.15,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1328037977218628},{"word":"date","start":1648.15,"end":1648.39,"confidence":0.99902344,"punctuated_word":"date.","sentiment":"neutral","sentiment_score":0.1042320728302002},{"word":"if","start":1648.39,"end":1648.63,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.0018636565655469897},{"word":"not","start":1648.63,"end":1648.79,"confidence":1.0,"punctuated_word":"not,","sentiment":"neutral","sentiment_score":0.008558702655136585},{"word":"we","start":1648.79,"end":1648.95,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.01563681662082672},{"word":"can","start":1648.95,"end":1649.11,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.020670883357524872},{"word":"send","start":1649.11,"end":1649.35,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.01788376271724701},{"word":"you","start":1649.35,"end":1649.51,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0236729234457016},{"word":"the","start":1649.51,"end":1649.6699,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.031191319227218628},{"word":"forms","start":1649.6699,"end":1650.1699,"confidence":0.9980469,"punctuated_word":"forms.","sentiment":"neutral","sentiment_score":0.03720933943986893},{"word":"perfect","start":1652.345,"end":1652.845,"confidence":0.8898926,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.34961122274398804},{"word":"perfect","start":1652.905,"end":1653.3049,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4069221019744873},{"word":"perfect","start":1653.3049,"end":1653.8049,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.40894344449043274},{"word":"now","start":1654.745,"end":1654.985,"confidence":0.85839844,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.27669912576675415},{"word":"that","start":1654.985,"end":1655.145,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2714131772518158},{"word":"was","start":1655.145,"end":1655.225,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.21454057097435},{"word":"a","start":1655.225,"end":1655.3049,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21044421195983887},{"word":"bit","start":1655.3049,"end":1655.465,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1823853701353073},{"word":"of","start":1655.465,"end":1655.625,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11975818872451782},{"word":"info","start":1655.625,"end":1655.865,"confidence":0.9970703,"punctuated_word":"info","sentiment":"neutral","sentiment_score":0.15116170048713684},{"word":"to","start":1655.865,"end":1655.945,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13876941800117493},{"word":"throw","start":1655.945,"end":1656.1849,"confidence":0.99902344,"punctuated_word":"throw","sentiment":"neutral","sentiment_score":0.19538089632987976},{"word":"at","start":1656.1849,"end":1656.265,"confidence":0.9819336,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1579052209854126},{"word":"you","start":1656.265,"end":1656.4249,"confidence":0.9951172,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.24373286962509155},{"word":"nicola","start":1656.4249,"end":1656.745,"confidence":0.8144531,"punctuated_word":"Nicola,","sentiment":"neutral","sentiment_score":0.2079390287399292},{"word":"but","start":1656.745,"end":1656.905,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.104705311357975},{"word":"do","start":1656.905,"end":1657.065,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06118230149149895},{"word":"you","start":1657.065,"end":1657.145,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06086722016334534},{"word":"have","start":1657.145,"end":1657.225,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06463877856731415},{"word":"any","start":1657.225,"end":1657.465,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.07006290555000305},{"word":"questions","start":1657.465,"end":1657.865,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.060091178864240646},{"word":"so","start":1657.865,"end":1658.025,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0514838844537735},{"word":"far","start":1658.025,"end":1658.525,"confidence":1.0,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.07128666341304779},{"word":"okay","start":1662.6799,"end":1663.08,"confidence":0.85668945,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.23368188738822937},{"word":"are","start":1663.08,"end":1663.4,"confidence":0.99902344,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.16637873649597168},{"word":"you","start":1663.4,"end":1663.7999,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20076808333396912},{"word":"happy","start":1663.7999,"end":1664.04,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.2623349726200104},{"word":"with","start":1664.04,"end":1664.12,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.3111114501953125},{"word":"how","start":1664.12,"end":1664.36,"confidence":0.9819336,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.2873102128505707},{"word":"everything's","start":1664.36,"end":1664.76,"confidence":0.9616699,"punctuated_word":"everything's","sentiment":"neutral","sentiment_score":0.2807985842227936},{"word":"going","start":1664.76,"end":1665.0,"confidence":1.0,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.4319664537906647},{"word":"so","start":1665.0,"end":1665.24,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.30087989568710327},{"word":"far","start":1665.24,"end":1665.5599,"confidence":1.0,"punctuated_word":"far","sentiment":"neutral","sentiment_score":0.22896873950958252},{"word":"since","start":1665.5599,"end":1665.7999,"confidence":0.97802734,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.21070769429206848},{"word":"you've","start":1665.7999,"end":1665.96,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.20610010623931885},{"word":"been","start":1665.96,"end":1666.12,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.15737561881542206},{"word":"a","start":1666.12,"end":1666.2,"confidence":0.96533203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2199726998806},{"word":"client","start":1666.2,"end":1666.44,"confidence":0.97314453,"punctuated_word":"client?","sentiment":"neutral","sentiment_score":0.19643720984458923},{"word":"because","start":1666.44,"end":1666.52,"confidence":0.8852539,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.05302053689956665},{"word":"you've","start":1666.52,"end":1666.6799,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.07244904339313507},{"word":"been","start":1666.6799,"end":1666.84,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.048764668405056},{"word":"a","start":1666.84,"end":1666.92,"confidence":0.8984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06909607350826263},{"word":"client","start":1666.92,"end":1667.16,"confidence":1.0,"punctuated_word":"client","sentiment":"neutral","sentiment_score":0.11026732623577118},{"word":"with","start":1667.16,"end":1667.32,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07033103704452515},{"word":"us","start":1667.32,"end":1667.48,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.09216341376304626},{"word":"for","start":1667.48,"end":1667.72,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06090243905782699},{"word":"for","start":1667.72,"end":1667.88,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05340791493654251},{"word":"quite","start":1667.88,"end":1668.12,"confidence":1.0,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.060022637248039246},{"word":"a","start":1668.12,"end":1668.2,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08519716560840607},{"word":"while","start":1668.2,"end":1668.7,"confidence":0.9995117,"punctuated_word":"while.","sentiment":"neutral","sentiment_score":0.10408267378807068},{"word":"yep","start":1697.91,"end":1698.405,"confidence":0.84350586,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06956753879785538},{"word":"that's","start":1701.525,"end":1701.765,"confidence":0.6645508,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.15691447257995603},{"word":"super","start":1701.765,"end":1702.0851,"confidence":0.9614258,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.30543211102485657},{"word":"fun","start":1702.0851,"end":1702.3251,"confidence":0.9970703,"punctuated_word":"fun","sentiment":"neutral","sentiment_score":0.2674141526222229},{"word":"that","start":1702.3251,"end":1702.485,"confidence":0.7993164,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2174585610628128},{"word":"just","start":1702.485,"end":1702.885,"confidence":0.96972656,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18899640440940857},{"word":"sits","start":1702.885,"end":1703.125,"confidence":0.56640625,"punctuated_word":"sits","sentiment":"neutral","sentiment_score":0.1996728628873825},{"word":"in","start":1703.125,"end":1703.2051,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20129382610321045},{"word":"the","start":1703.2051,"end":1703.365,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1478618085384369},{"word":"background","start":1703.365,"end":1703.865,"confidence":0.7963867,"punctuated_word":"background.","sentiment":"neutral","sentiment_score":0.1565038412809372},{"word":"yeah","start":1704.3251,"end":1704.8251,"confidence":0.7553711,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04374532029032707},{"word":"yeah","start":1706.885,"end":1707.365,"confidence":0.9838867,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16767533123493197},{"word":"absolutely","start":1707.365,"end":1707.865,"confidence":0.99609375,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.3121581971645355},{"word":"my","start":1708.405,"end":1708.725,"confidence":0.9980469,"punctuated_word":"My","sentiment":"neutral","sentiment_score":0.28233569860458374},{"word":"the","start":1709.045,"end":1709.125,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2948494553565979},{"word":"fun","start":1709.125,"end":1709.365,"confidence":1.0,"punctuated_word":"fun","sentiment":"positive","sentiment_score":0.4098164737224579},{"word":"thing","start":1709.365,"end":1709.605,"confidence":1.0,"punctuated_word":"thing","sentiment":"positive","sentiment_score":0.45106008648872375},{"word":"for","start":1709.605,"end":1709.765,"confidence":0.9970703,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4398680031299591},{"word":"me","start":1709.765,"end":1709.925,"confidence":1.0,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.4432031810283661},{"word":"is","start":1709.925,"end":1710.0851,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4042405784130096},{"word":"just","start":1710.0851,"end":1710.3251,"confidence":1.0,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.4646589756011963},{"word":"kind","start":1710.3251,"end":1710.485,"confidence":0.99609375,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.43855220079422},{"word":"of","start":1710.485,"end":1710.645,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.48119592666625977},{"word":"seeing","start":1710.645,"end":1710.9651,"confidence":1.0,"punctuated_word":"seeing","sentiment":"positive","sentiment_score":0.44929802417755127},{"word":"people","start":1710.9651,"end":1711.285,"confidence":1.0,"punctuated_word":"people","sentiment":"positive","sentiment_score":0.4244554042816162},{"word":"go","start":1711.285,"end":1711.4451,"confidence":1.0,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.40529996156692505},{"word":"through","start":1711.4451,"end":1711.925,"confidence":1.0,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.36583390831947327},{"word":"each","start":1711.925,"end":1712.165,"confidence":1.0,"punctuated_word":"each","sentiment":"positive","sentiment_score":0.3800210952758789},{"word":"life","start":1712.165,"end":1712.485,"confidence":0.8676758,"punctuated_word":"life","sentiment":"positive","sentiment_score":0.33782434463500977},{"word":"stage","start":1712.485,"end":1712.985,"confidence":1.0,"punctuated_word":"stage","sentiment":"neutral","sentiment_score":0.32907596230506897},{"word":"and","start":1713.11,"end":1713.27,"confidence":0.9951172,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.38635000586509705},{"word":"kind","start":1713.27,"end":1713.43,"confidence":0.99316406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.3144935071468353},{"word":"of","start":1713.43,"end":1713.51,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3726986050605774},{"word":"being","start":1713.51,"end":1713.8301,"confidence":0.99902344,"punctuated_word":"being","sentiment":"positive","sentiment_score":0.4268239736557007},{"word":"alongside","start":1713.8301,"end":1714.3301,"confidence":0.99609375,"punctuated_word":"alongside","sentiment":"positive","sentiment_score":0.35075998306274414},{"word":"that","start":1714.39,"end":1714.63,"confidence":0.9863281,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.3186606466770172},{"word":"so","start":1714.63,"end":1714.87,"confidence":0.9941406,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.21280670166015625},{"word":"you","start":1714.87,"end":1714.9501,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15562167763710022},{"word":"know","start":1714.9501,"end":1715.35,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.17872785031795502},{"word":"there's","start":1715.35,"end":1715.75,"confidence":0.9880371,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.18560320138931272},{"word":"some","start":1715.75,"end":1715.91,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.17439809441566467},{"word":"people","start":1715.91,"end":1716.23,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.20835597813129425},{"word":"who","start":1716.23,"end":1716.63,"confidence":0.5185547,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.1664782017469406},{"word":"have","start":1716.63,"end":1716.9501,"confidence":0.9326172,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17307685315608978},{"word":"a","start":1716.9501,"end":1717.03,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16469156742095947},{"word":"couple","start":1717.03,"end":1717.27,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.10862620174884796},{"word":"of","start":1717.27,"end":1717.51,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18126098811626432},{"word":"teenagers","start":1717.51,"end":1717.99,"confidence":1.0,"punctuated_word":"teenagers","sentiment":"neutral","sentiment_score":0.16606932878494263},{"word":"and","start":1717.99,"end":1718.15,"confidence":0.50634766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13838621973991394},{"word":"they're","start":1718.15,"end":1718.47,"confidence":0.9880371,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.2363317310810089},{"word":"investing","start":1718.47,"end":1718.87,"confidence":0.9140625,"punctuated_word":"investing","sentiment":"neutral","sentiment_score":0.2372995913028717},{"word":"so","start":1718.87,"end":1719.03,"confidence":0.5864258,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.18849343061447144},{"word":"they","start":1719.03,"end":1719.11,"confidence":0.9951172,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.23716717958450317},{"word":"can","start":1719.11,"end":1719.35,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2547853887081146},{"word":"help","start":1719.35,"end":1719.51,"confidence":1.0,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.28912314772605896},{"word":"with","start":1719.51,"end":1719.75,"confidence":0.97509766,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.29055115580558777},{"word":"the","start":1719.75,"end":1719.8301,"confidence":0.9428711,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23518750071525577},{"word":"house","start":1719.8301,"end":1720.15,"confidence":1.0,"punctuated_word":"house","sentiment":"neutral","sentiment_score":0.23758818209171295},{"word":"deposit","start":1720.15,"end":1720.65,"confidence":0.99609375,"punctuated_word":"deposit.","sentiment":"neutral","sentiment_score":0.19138970971107483},{"word":"we","start":1721.67,"end":1721.99,"confidence":0.70654297,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.2862718999385834},{"word":"get","start":1721.99,"end":1722.15,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.35330066084861755},{"word":"to","start":1722.15,"end":1722.23,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3927042782306671},{"word":"be","start":1722.23,"end":1722.39,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.360116183757782},{"word":"there","start":1722.39,"end":1722.63,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.28912267088890076},{"word":"when","start":1722.63,"end":1722.79,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.30441468954086304},{"word":"they","start":1722.79,"end":1723.03,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.27114829421043396},{"word":"retire","start":1723.03,"end":1723.53,"confidence":1.0,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.2797831594944},{"word":"and","start":1723.75,"end":1723.91,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24256612360477448},{"word":"have","start":1723.91,"end":1724.0701,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.25290587544441223},{"word":"their","start":1724.0701,"end":1724.23,"confidence":0.8041992,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.2321937531232834},{"word":"pension","start":1724.23,"end":1724.7101,"confidence":1.0,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.25516027212142944},{"word":"accounts","start":1724.7101,"end":1725.03,"confidence":0.9873047,"punctuated_word":"accounts","sentiment":"positive","sentiment_score":0.3398911654949188},{"word":"go","start":1725.03,"end":1725.1901,"confidence":0.9194336,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.48808690905570984},{"word":"on","start":1725.1901,"end":1725.35,"confidence":0.9589844,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.5385148525238037},{"word":"their","start":1725.35,"end":1725.51,"confidence":0.99902344,"punctuated_word":"their","sentiment":"positive","sentiment_score":0.49084100127220154},{"word":"first","start":1725.51,"end":1725.75,"confidence":1.0,"punctuated_word":"first","sentiment":"positive","sentiment_score":0.4799786508083343},{"word":"holiday","start":1725.75,"end":1726.25,"confidence":0.99902344,"punctuated_word":"holiday.","sentiment":"positive","sentiment_score":0.5121076107025146},{"word":"it's","start":1726.31,"end":1726.63,"confidence":1.0,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.6126531958580017},{"word":"it's","start":1726.63,"end":1726.87,"confidence":0.9880371,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.6635785102844238},{"word":"pretty","start":1726.87,"end":1727.11,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.6606142520904541},{"word":"fun","start":1727.11,"end":1727.43,"confidence":0.9995117,"punctuated_word":"fun.","sentiment":"positive","sentiment_score":0.6825138330459595},{"word":"it's","start":1727.43,"end":1727.67,"confidence":0.9980469,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.6992402076721191},{"word":"rewarding","start":1727.67,"end":1728.17,"confidence":0.99902344,"punctuated_word":"rewarding.","sentiment":"positive","sentiment_score":0.6974707841873169},{"word":"yeah","start":1756.215,"end":1756.535,"confidence":0.8515625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09504213184118272},{"word":"and","start":1756.535,"end":1756.855,"confidence":0.99121094,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1001826599240303},{"word":"sometimes","start":1756.855,"end":1757.335,"confidence":0.9716797,"punctuated_word":"sometimes","sentiment":"neutral","sentiment_score":0.1640535593032837},{"word":"that","start":1757.335,"end":1757.495,"confidence":0.9003906,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15687395632266998},{"word":"can","start":1757.495,"end":1757.655,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1870187520980835},{"word":"be","start":1757.655,"end":1757.815,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.24989110231399536},{"word":"the","start":1757.815,"end":1757.975,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25396716594696045},{"word":"biggest","start":1757.975,"end":1758.295,"confidence":1.0,"punctuated_word":"biggest","sentiment":"positive","sentiment_score":0.3601248860359192},{"word":"help","start":1758.295,"end":1758.455,"confidence":0.5263672,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.364403784275055},{"word":"for","start":1758.455,"end":1758.695,"confidence":0.7602539,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.36346936225891113},{"word":"us","start":1758.695,"end":1759.015,"confidence":0.80078125,"punctuated_word":"us.","sentiment":"neutral","sentiment_score":0.22687563300132751},{"word":"people","start":1759.015,"end":1759.335,"confidence":0.99902344,"punctuated_word":"People","sentiment":"neutral","sentiment_score":0.002069711685180664},{"word":"just","start":1759.335,"end":1759.655,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06780950725078583},{"word":"kind","start":1759.655,"end":1759.895,"confidence":0.9980469,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.05570124089717865},{"word":"of","start":1759.895,"end":1760.015,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1162649467587471},{"word":"they","start":1760.135,"end":1760.375,"confidence":0.96875,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.052005328238010406},{"word":"just","start":1760.375,"end":1760.695,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.005470111966133118},{"word":"go","start":1760.695,"end":1760.855,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.018577516078948975},{"word":"through","start":1760.855,"end":1761.095,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.02713698148727417},{"word":"life","start":1761.095,"end":1761.335,"confidence":1.0,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.08501280844211578},{"word":"and","start":1761.335,"end":1761.495,"confidence":0.68359375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.12271438539028168},{"word":"life","start":1761.495,"end":1761.735,"confidence":0.9970703,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.1808589398860931},{"word":"skips","start":1761.735,"end":1762.055,"confidence":0.9975586,"punctuated_word":"skips","sentiment":"neutral","sentiment_score":-0.12530885636806488},{"word":"by","start":1762.055,"end":1762.295,"confidence":0.99609375,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.1350058615207672},{"word":"really","start":1762.295,"end":1762.535,"confidence":0.99902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.0677148699760437},{"word":"quickly","start":1762.535,"end":1763.035,"confidence":1.0,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":-0.04457883536815643},{"word":"and","start":1763.335,"end":1763.835,"confidence":0.6977539,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0487537682056427},{"word":"not","start":1763.895,"end":1764.215,"confidence":0.9980469,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.050054870545864105},{"word":"taking","start":1764.215,"end":1764.455,"confidence":1.0,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.002308905124664306},{"word":"a","start":1764.455,"end":1764.615,"confidence":0.8461914,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.006551794707775116},{"word":"time","start":1764.615,"end":1764.855,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.018249213695526123},{"word":"to","start":1764.855,"end":1765.015,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.002537667751312256},{"word":"just","start":1765.015,"end":1765.175,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.01465633511543274},{"word":"kind","start":1765.175,"end":1765.335,"confidence":0.9951172,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.000295102596282959},{"word":"of","start":1765.335,"end":1765.575,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.027300134301185608},{"word":"pause","start":1765.575,"end":1765.98,"confidence":0.9946289,"punctuated_word":"pause,","sentiment":"neutral","sentiment_score":0.008382569067180157},{"word":"talk","start":1766.0599,"end":1766.22,"confidence":1.0,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.021896816790103912},{"word":"about","start":1766.22,"end":1766.38,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.05227051675319672},{"word":"it","start":1766.38,"end":1766.62,"confidence":0.99902344,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.01933448016643524},{"word":"look","start":1766.62,"end":1766.86,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.03827045112848282},{"word":"at","start":1766.86,"end":1766.94,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08408067375421524},{"word":"a","start":1766.94,"end":1767.02,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03845823183655739},{"word":"few","start":1767.02,"end":1767.26,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.002014867961406708},{"word":"things","start":1767.26,"end":1767.58,"confidence":0.9394531,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.017863307148218155},{"word":"and","start":1767.58,"end":1767.82,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.00447295606136322},{"word":"try","start":1767.82,"end":1768.0599,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.03333260118961334},{"word":"something","start":1768.0599,"end":1768.5599,"confidence":0.9628906,"punctuated_word":"something.","sentiment":"neutral","sentiment_score":0.004978060722351074},{"word":"and","start":1768.86,"end":1769.1799,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.058580733835697174},{"word":"sometimes","start":1769.1799,"end":1769.58,"confidence":0.984375,"punctuated_word":"sometimes","sentiment":"neutral","sentiment_score":0.08176026493310928},{"word":"that","start":1769.58,"end":1769.74,"confidence":0.8676758,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22060626745224},{"word":"can","start":1769.74,"end":1769.9,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2321638464927673},{"word":"be","start":1769.9,"end":1770.0599,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2799775004386902},{"word":"enough","start":1770.0599,"end":1770.2999,"confidence":1.0,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":0.27750930190086365},{"word":"to","start":1770.2999,"end":1770.46,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2686622142791748},{"word":"just","start":1770.46,"end":1770.78,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.26462873816490173},{"word":"kind","start":1770.78,"end":1770.94,"confidence":0.99316406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.1952875554561615},{"word":"of","start":1770.94,"end":1771.34,"confidence":0.9980469,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.36514267325401306},{"word":"pivot","start":1771.34,"end":1771.74,"confidence":0.9980469,"punctuated_word":"pivot","sentiment":"neutral","sentiment_score":0.32337963581085205},{"word":"the","start":1771.74,"end":1771.9,"confidence":0.9921875,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3430786430835724},{"word":"direction","start":1771.9,"end":1772.4,"confidence":1.0,"punctuated_word":"direction","sentiment":"positive","sentiment_score":0.3836872279644013},{"word":"in","start":1772.86,"end":1773.1,"confidence":0.9980469,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.40069982409477234},{"word":"the","start":1773.1,"end":1773.1799,"confidence":0.9921875,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3394799828529358},{"word":"right","start":1773.1799,"end":1773.4199,"confidence":0.9970703,"punctuated_word":"right","sentiment":"positive","sentiment_score":0.38908886909484863},{"word":"path","start":1773.4199,"end":1773.66,"confidence":0.8640137,"punctuated_word":"path,","sentiment":"neutral","sentiment_score":0.3063265085220337},{"word":"if","start":1773.66,"end":1773.82,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.31218042969703674},{"word":"that","start":1773.82,"end":1774.0599,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2392198145389557},{"word":"makes","start":1774.0599,"end":1774.2999,"confidence":0.9716797,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.17051184177398682},{"word":"sense","start":1774.2999,"end":1774.7999,"confidence":0.9941406,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.13041776418685913},{"word":"awesome","start":1776.86,"end":1777.36,"confidence":0.9838867,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.7311421632766724},{"word":"now","start":1777.5,"end":1777.82,"confidence":0.99316406,"punctuated_word":"Now","sentiment":"positive","sentiment_score":0.35140740871429443},{"word":"with","start":1777.82,"end":1778.0599,"confidence":0.984375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2699369490146637},{"word":"that","start":1778.0599,"end":1778.2999,"confidence":0.9370117,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3268395662307739},{"word":"pack","start":1778.2999,"end":1778.54,"confidence":0.9902344,"punctuated_word":"pack","sentiment":"neutral","sentiment_score":0.27661368250846863},{"word":"that","start":1778.54,"end":1778.7,"confidence":0.9863281,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24267417192459104},{"word":"i've","start":1778.7,"end":1778.86,"confidence":0.99072266,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.16391655802726746},{"word":"sent","start":1778.86,"end":1779.02,"confidence":0.9970703,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.1844424158334732},{"word":"you","start":1779.02,"end":1779.1799,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24519746005535129},{"word":"through","start":1779.1799,"end":1779.4199,"confidence":0.99609375,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":0.24105089902877808},{"word":"it","start":1779.4199,"end":1779.58,"confidence":0.9819336,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.24708496034145355},{"word":"contains","start":1779.58,"end":1780.08,"confidence":0.9770508,"punctuated_word":"contains","sentiment":"neutral","sentiment_score":0.20072303712368011},{"word":"a","start":1780.22,"end":1780.38,"confidence":0.8720703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1658167541027069},{"word":"number","start":1780.38,"end":1780.54,"confidence":0.98095703,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.1845017373561859},{"word":"of","start":1780.54,"end":1781.04,"confidence":0.77685547,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18692977726459503},{"word":"documents","start":1781.2151,"end":1781.535,"confidence":0.8671875,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.15763482451438904},{"word":"that","start":1781.535,"end":1781.6151,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11666005849838255},{"word":"are","start":1781.6151,"end":1781.8551,"confidence":0.9580078,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1509554386138916},{"word":"kind","start":1781.8551,"end":1782.0951,"confidence":0.9892578,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.13668033480644226},{"word":"of","start":1782.0951,"end":1782.495,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17571093142032623},{"word":"attachments","start":1782.495,"end":1782.995,"confidence":0.9863281,"punctuated_word":"attachments","sentiment":"neutral","sentiment_score":0.14335566759109497},{"word":"as","start":1783.6151,"end":1783.6951,"confidence":0.8857422,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07633791863918304},{"word":"well","start":1783.6951,"end":1783.935,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.07586439698934555},{"word":"as","start":1783.935,"end":1784.015,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10381066799163818},{"word":"a","start":1784.015,"end":1784.255,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1151934266090393},{"word":"link","start":1784.255,"end":1784.495,"confidence":1.0,"punctuated_word":"link","sentiment":"neutral","sentiment_score":0.1100284457206726},{"word":"as","start":1784.495,"end":1784.655,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08474339544773102},{"word":"well","start":1784.655,"end":1785.155,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.11078228056430817},{"word":"so","start":1786.3351,"end":1786.5751,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08812109380960464},{"word":"attached","start":1786.5751,"end":1787.055,"confidence":0.95703125,"punctuated_word":"attached,","sentiment":"neutral","sentiment_score":0.10772749781608582},{"word":"we've","start":1787.055,"end":1787.295,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.12523508071899414},{"word":"got","start":1787.295,"end":1787.535,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.12678420543670654},{"word":"updated","start":1787.535,"end":1788.035,"confidence":0.99902344,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.09554803371429443},{"word":"financial","start":1788.255,"end":1788.7351,"confidence":0.9970703,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.11403634399175644},{"word":"services","start":1788.7351,"end":1789.2151,"confidence":1.0,"punctuated_word":"services","sentiment":"neutral","sentiment_score":0.0916462242603302},{"word":"guide","start":1789.2151,"end":1789.7151,"confidence":0.9770508,"punctuated_word":"guide.","sentiment":"neutral","sentiment_score":0.124606654047966},{"word":"that's","start":1789.775,"end":1790.015,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.12800097465515137},{"word":"like","start":1790.015,"end":1790.255,"confidence":0.81347656,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.12332815676927568},{"word":"our","start":1790.255,"end":1790.415,"confidence":0.98535156,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.11726641654968262},{"word":"licensing","start":1790.415,"end":1790.915,"confidence":1.0,"punctuated_word":"licensing","sentiment":"neutral","sentiment_score":0.0881291925907135},{"word":"details","start":1791.2151,"end":1791.7151,"confidence":0.9995117,"punctuated_word":"details,","sentiment":"neutral","sentiment_score":0.09434501826763152},{"word":"complaints","start":1791.775,"end":1792.275,"confidence":0.98535156,"punctuated_word":"complaints","sentiment":"neutral","sentiment_score":0.06565393507480621},{"word":"procedure","start":1792.3351,"end":1792.8351,"confidence":0.92871094,"punctuated_word":"procedure,","sentiment":"neutral","sentiment_score":0.10340747237205504},{"word":"what","start":1792.9751,"end":1793.135,"confidence":0.9453125,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1356918066740036},{"word":"we","start":1793.135,"end":1793.2151,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11297446489334106},{"word":"can","start":1793.2151,"end":1793.4551,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10868658125400545},{"word":"advise","start":1793.4551,"end":1793.8551,"confidence":0.9980469,"punctuated_word":"advise","sentiment":"neutral","sentiment_score":0.11370247602462769},{"word":"on","start":1793.8551,"end":1794.3551,"confidence":0.99609375,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.10848480463027954},{"word":"you've","start":1795.39,"end":1795.63,"confidence":0.9970703,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.12984143197536469},{"word":"got","start":1795.63,"end":1795.71,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.14212502539157867},{"word":"a","start":1795.71,"end":1795.79,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12808845937252045},{"word":"bit","start":1795.79,"end":1795.95,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.12068837881088255},{"word":"of","start":1795.95,"end":1796.11,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13889697194099426},{"word":"a","start":1796.11,"end":1796.27,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13475924730300903},{"word":"vanguard","start":1796.27,"end":1796.6699,"confidence":0.6743164,"punctuated_word":"Vanguard","sentiment":"neutral","sentiment_score":0.09465885162353516},{"word":"chart","start":1796.6699,"end":1796.91,"confidence":0.875,"punctuated_word":"chart,","sentiment":"neutral","sentiment_score":0.13851650059223175},{"word":"which","start":1796.91,"end":1797.15,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.11916951090097427},{"word":"just","start":1797.15,"end":1797.3099,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11203044652938844},{"word":"talks","start":1797.3099,"end":1797.63,"confidence":1.0,"punctuated_word":"talks","sentiment":"neutral","sentiment_score":0.11318624019622804},{"word":"about","start":1797.63,"end":1798.03,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.12717780470848083},{"word":"the","start":1798.03,"end":1798.19,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12312858551740646},{"word":"history","start":1798.19,"end":1798.51,"confidence":1.0,"punctuated_word":"history","sentiment":"neutral","sentiment_score":0.15384541451931},{"word":"of","start":1798.51,"end":1798.6699,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13875150680541992},{"word":"the","start":1798.6699,"end":1798.91,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15216116607189178},{"word":"markets","start":1798.91,"end":1799.41,"confidence":0.9941406,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":0.1315474957227707},{"word":"for","start":1799.5499,"end":1799.71,"confidence":0.9526367,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12491829693317412},{"word":"a","start":1799.71,"end":1799.79,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12826032936573029},{"word":"bit","start":1799.79,"end":1799.95,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.12816011905670166},{"word":"of","start":1799.95,"end":1800.03,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15995822846889496},{"word":"a","start":1800.03,"end":1800.19,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13861826062202454},{"word":"long","start":1800.19,"end":1800.4299,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.13647058606147766},{"word":"term","start":1800.4299,"end":1800.75,"confidence":0.9980469,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.17487932741641998},{"word":"view","start":1800.75,"end":1801.25,"confidence":0.921875,"punctuated_word":"view,","sentiment":"neutral","sentiment_score":0.1651104986667633},{"word":"your","start":1801.5499,"end":1802.03,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18249811232089996},{"word":"certificate","start":1802.03,"end":1802.51,"confidence":0.99902344,"punctuated_word":"certificate","sentiment":"neutral","sentiment_score":0.17127859592437744},{"word":"of","start":1802.51,"end":1802.6699,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18423907458782196},{"word":"currency","start":1802.6699,"end":1803.15,"confidence":1.0,"punctuated_word":"currency","sentiment":"neutral","sentiment_score":0.16323307156562805},{"word":"for","start":1803.15,"end":1803.3099,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.18352513015270233},{"word":"the","start":1803.3099,"end":1803.47,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18355050683021543},{"word":"insurance","start":1803.47,"end":1803.97,"confidence":1.0,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":0.15011528134346008},{"word":"your","start":1804.19,"end":1804.4299,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17970003187656405},{"word":"performance","start":1804.4299,"end":1804.9299,"confidence":1.0,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.16020247340202332},{"word":"for","start":1804.99,"end":1805.15,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.18976272642612457},{"word":"the","start":1805.15,"end":1805.3099,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20192761719226837},{"word":"net","start":1805.3099,"end":1805.5499,"confidence":0.52441406,"punctuated_word":"net","sentiment":"neutral","sentiment_score":0.21157173812389377},{"word":"wealth","start":1805.5499,"end":1806.0499,"confidence":0.9641113,"punctuated_word":"wealth,","sentiment":"neutral","sentiment_score":0.21020165085792544},{"word":"and","start":1806.4299,"end":1806.6699,"confidence":0.97509766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15823692083358765},{"word":"an","start":1806.6699,"end":1806.83,"confidence":0.69677734,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.1513114720582962},{"word":"overview","start":1806.83,"end":1807.23,"confidence":0.9589844,"punctuated_word":"overview","sentiment":"neutral","sentiment_score":0.13460999727249146},{"word":"services","start":1807.23,"end":1807.71,"confidence":0.9980469,"punctuated_word":"services","sentiment":"neutral","sentiment_score":0.12960508465766907},{"word":"guide","start":1807.71,"end":1808.03,"confidence":1.0,"punctuated_word":"guide","sentiment":"neutral","sentiment_score":0.1069677397608757},{"word":"as","start":1808.03,"end":1808.11,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11360765248537064},{"word":"well","start":1808.11,"end":1808.565,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.07853806018829346},{"word":"now","start":1809.9249,"end":1810.245,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.03651681169867515},{"word":"i","start":1810.245,"end":1810.325,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.007024984806776047},{"word":"do","start":1810.325,"end":1810.485,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.02373635768890381},{"word":"have","start":1810.485,"end":1810.565,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.032000817358493805},{"word":"to","start":1810.565,"end":1810.725,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.011461116373538973},{"word":"ask","start":1810.725,"end":1810.8849,"confidence":1.0,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.008242838084697723},{"word":"the","start":1810.8849,"end":1811.0449,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.013357196003198624},{"word":"all","start":1811.0449,"end":1811.205,"confidence":0.9941406,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.002030588686466217},{"word":"important","start":1811.205,"end":1811.5249,"confidence":1.0,"punctuated_word":"important","sentiment":"neutral","sentiment_score":-0.019301068037748337},{"word":"question","start":1811.5249,"end":1811.9249,"confidence":0.93115234,"punctuated_word":"question.","sentiment":"neutral","sentiment_score":0.0030662305653095245},{"word":"are","start":1811.9249,"end":1812.085,"confidence":1.0,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.06902602314949036},{"word":"you","start":1812.085,"end":1812.245,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04042869806289673},{"word":"comfortable","start":1812.245,"end":1812.725,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.030660465359687805},{"word":"for","start":1812.725,"end":1812.8849,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.025674596428871155},{"word":"us","start":1812.8849,"end":1813.125,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.03492385894060135},{"word":"to","start":1813.125,"end":1813.2849,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03854486346244812},{"word":"remain","start":1813.2849,"end":1813.7849,"confidence":1.0,"punctuated_word":"remain","sentiment":"neutral","sentiment_score":0.032851673662662506},{"word":"your","start":1813.845,"end":1814.085,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.034012869000434875},{"word":"advisers","start":1814.085,"end":1814.565,"confidence":0.8959961,"punctuated_word":"advisers","sentiment":"neutral","sentiment_score":0.032802630215883255},{"word":"for","start":1814.565,"end":1814.6449,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03443524241447449},{"word":"the","start":1814.6449,"end":1814.8049,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.025031067430973053},{"word":"next","start":1814.8049,"end":1815.0449,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.004127144813537598},{"word":"twelve","start":1815.0449,"end":1815.365,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.019822366535663605},{"word":"months","start":1815.365,"end":1815.865,"confidence":0.99902344,"punctuated_word":"months?","sentiment":"neutral","sentiment_score":0.01395873911678791},{"word":"perfect","start":1817.605,"end":1818.105,"confidence":0.9885254,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4208762645721435},{"word":"we","start":1818.725,"end":1818.965,"confidence":0.90625,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.1012439876794815},{"word":"do","start":1818.965,"end":1819.125,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1402597725391388},{"word":"have","start":1819.125,"end":1819.2849,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.15226402878761292},{"word":"to","start":1819.2849,"end":1819.365,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1373690366744995},{"word":"get","start":1819.365,"end":1819.5249,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.06126585602760315},{"word":"your","start":1819.5249,"end":1819.7649,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09462988376617432},{"word":"consent","start":1819.7649,"end":1820.245,"confidence":1.0,"punctuated_word":"consent","sentiment":"neutral","sentiment_score":0.08609721809625626},{"word":"on","start":1820.245,"end":1820.325,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09885822236537932},{"word":"a","start":1820.325,"end":1820.485,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09534284472465517},{"word":"yearly","start":1820.485,"end":1820.8849,"confidence":1.0,"punctuated_word":"yearly","sentiment":"neutral","sentiment_score":0.10667368024587633},{"word":"basis","start":1820.8849,"end":1821.3849,"confidence":1.0,"punctuated_word":"basis","sentiment":"neutral","sentiment_score":0.0874076634645462},{"word":"to","start":1821.445,"end":1821.605,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1358642876148224},{"word":"remain","start":1821.605,"end":1822.105,"confidence":1.0,"punctuated_word":"remain","sentiment":"neutral","sentiment_score":0.12208634614944458},{"word":"on","start":1822.245,"end":1822.485,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08195295929908752},{"word":"the","start":1822.485,"end":1822.6449,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12244072556495668},{"word":"accounts","start":1822.6449,"end":1823.1449,"confidence":0.9655762,"punctuated_word":"accounts.","sentiment":"neutral","sentiment_score":0.08765526115894318},{"word":"so","start":1823.49,"end":1823.99,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05726218223571777},{"word":"included","start":1824.13,"end":1824.63,"confidence":0.9980469,"punctuated_word":"included","sentiment":"neutral","sentiment_score":0.10595600306987762},{"word":"in","start":1824.69,"end":1824.93,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09512638300657272},{"word":"the","start":1824.93,"end":1825.09,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10756469517946245},{"word":"little","start":1825.09,"end":1825.33,"confidence":0.99902344,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.1293623447418213},{"word":"blue","start":1825.33,"end":1825.57,"confidence":0.99902344,"punctuated_word":"blue","sentiment":"neutral","sentiment_score":0.09521181136369704},{"word":"link","start":1825.57,"end":1826.07,"confidence":1.0,"punctuated_word":"link","sentiment":"neutral","sentiment_score":0.09587377309799194},{"word":"is","start":1826.13,"end":1826.45,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10338369756937028},{"word":"a","start":1826.45,"end":1826.69,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1151181235909462},{"word":"service","start":1826.69,"end":1827.09,"confidence":1.0,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.06734444946050644},{"word":"agreement","start":1827.09,"end":1827.59,"confidence":0.9506836,"punctuated_word":"agreement,","sentiment":"neutral","sentiment_score":0.1027592271566391},{"word":"and","start":1827.89,"end":1828.13,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09078887104988098},{"word":"that","start":1828.13,"end":1828.37,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11425834894180298},{"word":"has","start":1828.37,"end":1828.87,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.13867992162704468},{"word":"1.65%","start":1829.65,"end":1830.93,"confidence":0.95234376,"punctuated_word":"1.65%","sentiment":"neutral","sentiment_score":0.13339167833328247},{"word":"of","start":1830.93,"end":1831.01,"confidence":0.86572266,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12939202785491943},{"word":"the","start":1831.01,"end":1831.17,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11882994323968887},{"word":"fees","start":1831.17,"end":1831.67,"confidence":0.8273926,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":0.08985838294029236},{"word":"that's","start":1831.89,"end":1832.21,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.09492012113332748},{"word":"been","start":1832.21,"end":1832.45,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.1022394597530365},{"word":"included","start":1832.45,"end":1832.95,"confidence":1.0,"punctuated_word":"included","sentiment":"neutral","sentiment_score":0.11142493784427644},{"word":"in","start":1833.33,"end":1833.57,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10866940021514893},{"word":"the","start":1833.57,"end":1833.97,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1334481984376907},{"word":"returns","start":1833.97,"end":1834.47,"confidence":0.9230957,"punctuated_word":"returns.","sentiment":"neutral","sentiment_score":0.09612204134464264},{"word":"so","start":1834.53,"end":1834.77,"confidence":0.91552734,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.07318691164255142},{"word":"again","start":1834.77,"end":1835.17,"confidence":1.0,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.07080790400505066},{"word":"net","start":1835.17,"end":1835.41,"confidence":1.0,"punctuated_word":"net","sentiment":"neutral","sentiment_score":0.04700150340795517},{"word":"returns","start":1835.41,"end":1835.89,"confidence":0.99609375,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":0.05433302000164986},{"word":"after","start":1835.89,"end":1836.29,"confidence":0.98291016,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.030872680246829987},{"word":"fees","start":1836.29,"end":1836.79,"confidence":0.9597168,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":0.043991684913635254},{"word":"and","start":1837.105,"end":1837.4249,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.02807961031794548},{"word":"once","start":1837.4249,"end":1837.825,"confidence":0.79541016,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.14229357242584229},{"word":"you","start":1837.825,"end":1837.9049,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10453161597251892},{"word":"hit","start":1837.9049,"end":1838.1449,"confidence":0.99609375,"punctuated_word":"hit","sentiment":"neutral","sentiment_score":0.1737135797739029},{"word":"600,000","start":1838.1449,"end":1839.105,"confidence":1.0,"punctuated_word":"600,000","sentiment":"neutral","sentiment_score":0.1655467301607132},{"word":"in","start":1839.105,"end":1839.345,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.18138496577739716},{"word":"your","start":1839.345,"end":1839.505,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.22036966681480408},{"word":"balance","start":1839.505,"end":1839.9049,"confidence":0.99609375,"punctuated_word":"balance,","sentiment":"neutral","sentiment_score":0.1785907745361328},{"word":"which","start":1839.9049,"end":1840.1449,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.20358142256736755},{"word":"is","start":1840.1449,"end":1840.465,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.28350603580474854},{"word":"the","start":1840.465,"end":1840.705,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3029501438140869},{"word":"ideal","start":1840.705,"end":1841.105,"confidence":1.0,"punctuated_word":"ideal","sentiment":"positive","sentiment_score":0.44195282459259033},{"word":"target","start":1841.105,"end":1841.505,"confidence":1.0,"punctuated_word":"target","sentiment":"positive","sentiment_score":0.43439605832099915},{"word":"to","start":1841.505,"end":1841.585,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.35855844616889954},{"word":"get","start":1841.585,"end":1841.745,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.34811997413635254},{"word":"everyone","start":1841.745,"end":1842.065,"confidence":1.0,"punctuated_word":"everyone","sentiment":"positive","sentiment_score":0.38929226994514465},{"word":"up","start":1842.065,"end":1842.1849,"confidence":1.0,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.33561161160469055},{"word":"to","start":1842.1849,"end":1842.3049,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4049498736858368},{"word":"that","start":1842.3049,"end":1842.5449,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4104070961475372},{"word":"million","start":1842.5449,"end":1842.945,"confidence":0.99902344,"punctuated_word":"million","sentiment":"positive","sentiment_score":0.33643868565559387},{"word":"mark","start":1842.945,"end":1843.445,"confidence":0.99658203,"punctuated_word":"mark,","sentiment":"neutral","sentiment_score":0.25833165645599365},{"word":"it","start":1843.505,"end":1843.745,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.140458881855011},{"word":"does","start":1843.745,"end":1843.985,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.10201342403888702},{"word":"cap","start":1843.985,"end":1844.465,"confidence":1.0,"punctuated_word":"cap","sentiment":"neutral","sentiment_score":0.03003297932446003},{"word":"when","start":1844.465,"end":1844.705,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.015645813196897507},{"word":"you're","start":1844.705,"end":1844.865,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.017217714339494705},{"word":"at","start":1844.865,"end":1845.0249,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.01185232400894165},{"word":"600,000","start":1845.0249,"end":1846.085,"confidence":0.9996745,"punctuated_word":"600,000.","sentiment":"neutral","sentiment_score":0.03285941481590271},{"word":"k","start":1847.825,"end":1848.225,"confidence":0.9243164,"punctuated_word":"K?","sentiment":"neutral","sentiment_score":0.00942384172230959},{"word":"now","start":1848.225,"end":1848.465,"confidence":1.0,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.007188569754362106},{"word":"it","start":1848.465,"end":1848.625,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03571464493870735},{"word":"may","start":1848.625,"end":1848.7849,"confidence":0.9951172,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.06135585159063339},{"word":"seem","start":1848.7849,"end":1849.0249,"confidence":1.0,"punctuated_word":"seem","sentiment":"neutral","sentiment_score":-0.04231888800859451},{"word":"like","start":1849.0249,"end":1849.1849,"confidence":0.9941406,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.06945355236530304},{"word":"you","start":1849.1849,"end":1849.2649,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.11001109331846236},{"word":"may","start":1849.2649,"end":1849.4249,"confidence":0.9980469,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.09972945600748062},{"word":"never","start":1849.4249,"end":1849.6649,"confidence":0.99902344,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.1447603404521942},{"word":"get","start":1849.6649,"end":1849.9049,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.15115144848823547},{"word":"there","start":1849.9049,"end":1850.1449,"confidence":0.9970703,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.09742780029773712},{"word":"but","start":1850.1449,"end":1850.55,"confidence":0.9902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.07603207230567932},{"word":"it","start":1850.63,"end":1850.79,"confidence":0.9892578,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07828927040100098},{"word":"you'd","start":1850.9501,"end":1851.03,"confidence":1.0,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":-0.10520964860916138},{"word":"be","start":1851.03,"end":1851.27,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.10295744985342026},{"word":"surprised","start":1851.27,"end":1851.77,"confidence":1.0,"punctuated_word":"surprised","sentiment":"neutral","sentiment_score":-0.10395701974630356},{"word":"what","start":1851.8301,"end":1852.0701,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.12316947430372238},{"word":"can","start":1852.0701,"end":1852.2301,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.11760041117668152},{"word":"happen","start":1852.2301,"end":1852.4701,"confidence":1.0,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":-0.11874210834503174},{"word":"in","start":1852.4701,"end":1852.63,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.11727730929851532},{"word":"those","start":1852.63,"end":1852.87,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.07348400354385376},{"word":"later","start":1852.87,"end":1853.1101,"confidence":0.9980469,"punctuated_word":"later","sentiment":"neutral","sentiment_score":-0.0905035063624382},{"word":"years","start":1853.1101,"end":1853.3501,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.09710481762886047},{"word":"where","start":1853.3501,"end":1853.5901,"confidence":0.9589844,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.055747512727975845},{"word":"you","start":1853.5901,"end":1853.67,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05628427863121033},{"word":"go","start":1853.67,"end":1853.99,"confidence":0.9970703,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.04428703337907791},{"word":"from","start":1853.99,"end":1854.49,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.05638815835118294},{"word":"$2.50","start":1854.63,"end":1855.1901,"confidence":0.9022217,"punctuated_word":"$2.50,","sentiment":"neutral","sentiment_score":-0.05416235700249672},{"word":"300","start":1855.1901,"end":1855.67,"confidence":0.9238281,"punctuated_word":"300,","sentiment":"neutral","sentiment_score":-0.06750641018152237},{"word":"and","start":1855.67,"end":1855.75,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05581553280353546},{"word":"all","start":1855.75,"end":1855.91,"confidence":0.984375,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.036390721797943115},{"word":"of","start":1855.91,"end":1855.99,"confidence":0.9902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04011891037225723},{"word":"a","start":1855.99,"end":1856.0701,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.048132434487342834},{"word":"sudden","start":1856.0701,"end":1856.5701,"confidence":0.7536621,"punctuated_word":"sudden,","sentiment":"neutral","sentiment_score":-0.020819734781980515},{"word":"seven","start":1856.79,"end":1857.1101,"confidence":1.0,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":-0.0371045246720314},{"word":"years","start":1857.1101,"end":1857.3501,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.04204494133591652},{"word":"later","start":1857.3501,"end":1857.5901,"confidence":0.97216797,"punctuated_word":"later,","sentiment":"neutral","sentiment_score":-0.024038713425397873},{"word":"you're","start":1857.5901,"end":1857.75,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.02261399477720261},{"word":"sitting","start":1857.75,"end":1858.0701,"confidence":0.99902344,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.03060983121395111},{"word":"at","start":1858.0701,"end":1858.15,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.019631635397672653},{"word":"$506,100","start":1858.15,"end":1859.4501,"confidence":0.9807129,"punctuated_word":"$506,100.","sentiment":"neutral","sentiment_score":-0.01716131716966629},{"word":"so","start":1859.67,"end":1860.17,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.011725760996341704},{"word":"it","start":1860.9501,"end":1861.1901,"confidence":0.8857422,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.053990256041288376},{"word":"can","start":1861.1901,"end":1861.43,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.05957302823662758},{"word":"really","start":1861.43,"end":1861.8301,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.0620541051030159},{"word":"compound","start":1861.8301,"end":1862.31,"confidence":0.99902344,"punctuated_word":"compound","sentiment":"neutral","sentiment_score":-0.03898610919713974},{"word":"those","start":1862.31,"end":1862.63,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.05450241640210152},{"word":"last","start":1862.63,"end":1862.9501,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.0813811793923378},{"word":"ten","start":1862.9501,"end":1863.1901,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":-0.06307046860456467},{"word":"years","start":1863.1901,"end":1863.51,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.06892175227403641},{"word":"or","start":1863.51,"end":1863.67,"confidence":0.96777344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.06808672845363617},{"word":"so","start":1863.67,"end":1864.125,"confidence":1.0,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":-0.052847325801849365},{"word":"okay","start":1865.725,"end":1866.225,"confidence":0.9277344,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.0196063295006752},{"word":"i'm","start":1866.605,"end":1866.765,"confidence":0.8496094,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.02856522426009178},{"word":"just","start":1866.765,"end":1866.925,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.02850682288408279},{"word":"gonna","start":1866.925,"end":1867.245,"confidence":0.91748047,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.03509065508842468},{"word":"double","start":1867.245,"end":1867.485,"confidence":1.0,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.02731044590473175},{"word":"check","start":1867.485,"end":1867.725,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.027722924947738647},{"word":"if","start":1867.725,"end":1867.885,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.024349257349967957},{"word":"there","start":1867.885,"end":1868.045,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.017511744052171707},{"word":"was","start":1868.045,"end":1868.285,"confidence":0.5913086,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.009370185434818268},{"word":"anything","start":1868.285,"end":1868.525,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.02445441111922264},{"word":"else","start":1868.525,"end":1868.845,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.012834575027227402},{"word":"in","start":1868.845,"end":1869.005,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0074569955468177795},{"word":"that","start":1869.005,"end":1869.405,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.016277123242616653},{"word":"pack","start":1869.405,"end":1869.805,"confidence":0.9951172,"punctuated_word":"pack","sentiment":"neutral","sentiment_score":0.009601816534996033},{"word":"because","start":1869.805,"end":1870.305,"confidence":0.9277344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.011333344504237177},{"word":"we've","start":1870.845,"end":1871.085,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.006364772096276283},{"word":"just","start":1871.085,"end":1871.325,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0003812238574028015},{"word":"been","start":1871.325,"end":1871.645,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.000902801752090454},{"word":"updating","start":1871.645,"end":1872.145,"confidence":1.0,"punctuated_word":"updating","sentiment":"neutral","sentiment_score":0.011925794184207916},{"word":"some","start":1872.285,"end":1872.525,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.005776409059762955},{"word":"details","start":1872.525,"end":1873.005,"confidence":1.0,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.010889779776334764},{"word":"in","start":1873.005,"end":1873.165,"confidence":0.94140625,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.021715905517339703},{"word":"the","start":1873.165,"end":1873.325,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01830272004008293},{"word":"new","start":1873.325,"end":1873.565,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.027870427817106247},{"word":"system","start":1873.565,"end":1874.065,"confidence":0.8820801,"punctuated_word":"system.","sentiment":"neutral","sentiment_score":0.022213248535990715},{"word":"so","start":1874.445,"end":1874.765,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.016504354774951935},{"word":"please","start":1874.765,"end":1875.005,"confidence":0.99902344,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.00796189159154892},{"word":"just","start":1875.005,"end":1875.245,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.010214224457740784},{"word":"bear","start":1875.245,"end":1875.485,"confidence":0.99902344,"punctuated_word":"bear","sentiment":"neutral","sentiment_score":0.013801250606775284},{"word":"with","start":1875.485,"end":1875.645,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0012936294078826904},{"word":"me","start":1875.645,"end":1875.965,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.01680004596710205},{"word":"for","start":1875.965,"end":1876.205,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.012430541217327118},{"word":"one","start":1876.205,"end":1876.605,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.019278500229120255},{"word":"quick","start":1876.605,"end":1876.925,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.028224971145391464},{"word":"moment","start":1876.925,"end":1877.425,"confidence":1.0,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.03282318264245987},{"word":"yes","start":1880.33,"end":1880.83,"confidence":0.9951172,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.027065489441156387},{"word":"there","start":1880.89,"end":1881.29,"confidence":0.99902344,"punctuated_word":"There","sentiment":"neutral","sentiment_score":0.018142666667699817},{"word":"is","start":1881.29,"end":1881.77,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.015114884823560716},{"word":"a","start":1881.77,"end":1882.17,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.020044129341840744},{"word":"tax","start":1882.17,"end":1882.49,"confidence":0.9970703,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.03667516261339187},{"word":"file","start":1882.49,"end":1882.8099,"confidence":0.99609375,"punctuated_word":"file","sentiment":"neutral","sentiment_score":0.009335903450846672},{"word":"number","start":1882.8099,"end":1883.3099,"confidence":1.0,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.01543710008263588},{"word":"opt","start":1883.69,"end":1883.9299,"confidence":0.9892578,"punctuated_word":"opt","sentiment":"neutral","sentiment_score":0.017847882583737373},{"word":"in","start":1883.9299,"end":1884.25,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.024454522877931595},{"word":"form","start":1884.25,"end":1884.75,"confidence":0.99609375,"punctuated_word":"form.","sentiment":"neutral","sentiment_score":0.016118351370096207},{"word":"so","start":1885.37,"end":1885.87,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0634913295507431},{"word":"with","start":1886.09,"end":1886.33,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.1246877983212471},{"word":"all","start":1886.33,"end":1886.49,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.12821301817893982},{"word":"the","start":1886.49,"end":1886.73,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15232683718204498},{"word":"cybersecurity","start":1886.73,"end":1887.23,"confidence":0.95410156,"punctuated_word":"cybersecurity","sentiment":"neutral","sentiment_score":-0.11009350419044496},{"word":"issues","start":1887.37,"end":1887.77,"confidence":1.0,"punctuated_word":"issues","sentiment":"neutral","sentiment_score":-0.15231820940971377},{"word":"of","start":1887.77,"end":1887.85,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12333711236715315},{"word":"last","start":1887.85,"end":1888.17,"confidence":0.99902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.11474395543336868},{"word":"year","start":1888.17,"end":1888.67,"confidence":0.9995117,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.1097157746553421},{"word":"we","start":1888.8099,"end":1889.13,"confidence":0.9951172,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.1186581403017044},{"word":"don't","start":1889.13,"end":1889.45,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.12476032972335815},{"word":"wanna","start":1889.45,"end":1889.77,"confidence":0.7949219,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.15198764204978943},{"word":"hold","start":1889.77,"end":1890.17,"confidence":0.9970703,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.1818244457244873},{"word":"your","start":1890.17,"end":1890.65,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.08710090816020966},{"word":"all","start":1890.65,"end":1890.8099,"confidence":0.9970703,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.07063597440719604},{"word":"important","start":1890.8099,"end":1891.3099,"confidence":0.9980469,"punctuated_word":"important","sentiment":"neutral","sentiment_score":-0.0733797699213028},{"word":"tax","start":1891.53,"end":1891.77,"confidence":0.99316406,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.0575990155339241},{"word":"file","start":1891.77,"end":1892.01,"confidence":0.82958984,"punctuated_word":"file","sentiment":"neutral","sentiment_score":-0.06691376119852066},{"word":"number","start":1892.01,"end":1892.33,"confidence":0.99609375,"punctuated_word":"number","sentiment":"neutral","sentiment_score":-0.05846160650253296},{"word":"in","start":1892.33,"end":1892.49,"confidence":0.9863281,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.08274717628955841},{"word":"a","start":1892.49,"end":1892.57,"confidence":0.9741211,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06602441519498825},{"word":"bunch","start":1892.57,"end":1892.8099,"confidence":0.99609375,"punctuated_word":"bunch","sentiment":"neutral","sentiment_score":-0.05719825252890587},{"word":"of","start":1892.8099,"end":1892.97,"confidence":0.98535156,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05630888417363167},{"word":"digital","start":1892.97,"end":1893.47,"confidence":0.99316406,"punctuated_word":"digital","sentiment":"neutral","sentiment_score":-0.0034261681139469147},{"word":"so","start":1894.865,"end":1895.1849,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.000056177377700805664},{"word":"this","start":1895.1849,"end":1895.4249,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.021080661565065384},{"word":"is","start":1895.4249,"end":1895.505,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.007656056433916092},{"word":"just","start":1895.505,"end":1895.6649,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.01314546912908554},{"word":"a","start":1895.6649,"end":1895.745,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.024688778445124623},{"word":"form","start":1895.745,"end":1895.985,"confidence":1.0,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.0330064482986927},{"word":"to","start":1895.985,"end":1896.145,"confidence":0.9453125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01874758303165436},{"word":"say","start":1896.145,"end":1896.3049,"confidence":0.99560547,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.030005980283021927},{"word":"hey","start":1896.3049,"end":1896.465,"confidence":0.9289551,"punctuated_word":"hey.","sentiment":"neutral","sentiment_score":0.021064838394522667},{"word":"are","start":1896.465,"end":1896.625,"confidence":0.99609375,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.007536038756370544},{"word":"you","start":1896.625,"end":1896.7849,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.006636723875999451},{"word":"comfortable","start":1896.7849,"end":1897.1849,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.011857803910970688},{"word":"for","start":1897.1849,"end":1897.265,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0016807690262794497},{"word":"us","start":1897.265,"end":1897.505,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.006684254854917526},{"word":"to","start":1897.505,"end":1897.585,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.017827261239290237},{"word":"hold","start":1897.585,"end":1897.825,"confidence":1.0,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.01634186878800392},{"word":"it","start":1897.825,"end":1897.9049,"confidence":0.9790039,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.002335537225008011},{"word":"on","start":1897.9049,"end":1898.065,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.00611061230301857},{"word":"this","start":1898.065,"end":1898.3049,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.004494566470384598},{"word":"one","start":1898.3049,"end":1898.465,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.0069388896226882935},{"word":"document","start":1898.465,"end":1898.965,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":-0.0010361559689044952},{"word":"instead","start":1899.0249,"end":1899.5249,"confidence":0.90966797,"punctuated_word":"instead?","sentiment":"neutral","sentiment_score":-0.010421030223369598},{"word":"because","start":1899.825,"end":1900.065,"confidence":0.9970703,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.01524113118648529},{"word":"it","start":1900.065,"end":1900.225,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04584002494812012},{"word":"is","start":1900.225,"end":1900.385,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05698530748486519},{"word":"such","start":1900.385,"end":1900.625,"confidence":1.0,"punctuated_word":"such","sentiment":"neutral","sentiment_score":0.07994620501995087},{"word":"an","start":1900.625,"end":1900.7849,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.05939989537000656},{"word":"important","start":1900.7849,"end":1901.2849,"confidence":1.0,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.05973968282341957},{"word":"identifier","start":1901.4249,"end":1901.9249,"confidence":0.9970703,"punctuated_word":"identifier","sentiment":"neutral","sentiment_score":0.0509108230471611},{"word":"for","start":1902.065,"end":1902.225,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.042597007006406784},{"word":"you","start":1902.225,"end":1902.725,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.02076776884496212},{"word":"cool","start":1904.465,"end":1904.965,"confidence":0.9758301,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.1657409965991974},{"word":"do","start":1905.1849,"end":1905.345,"confidence":0.8364258,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.12724566459655762},{"word":"you","start":1905.345,"end":1905.505,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1334412544965744},{"word":"have","start":1905.505,"end":1905.6649,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.15423421561717987},{"word":"any","start":1905.6649,"end":1905.825,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.15380185842514038},{"word":"questions","start":1905.825,"end":1906.225,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.162185937166214},{"word":"for","start":1906.225,"end":1906.385,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11560489982366562},{"word":"me","start":1906.385,"end":1906.625,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.10710231959819794},{"word":"before","start":1906.625,"end":1907.0249,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.08333197236061096},{"word":"i","start":1907.0249,"end":1907.345,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10710141807794572},{"word":"let","start":1907.345,"end":1907.585,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.10050570219755171},{"word":"you","start":1907.585,"end":1907.745,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11345835775136948},{"word":"go","start":1907.745,"end":1908.21,"confidence":0.9995117,"punctuated_word":"go?","sentiment":"neutral","sentiment_score":0.13754922151565552},{"word":"awesome","start":1910.45,"end":1910.95,"confidence":0.9975586,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.5618507862091064},{"word":"i","start":1911.4099,"end":1911.9099,"confidence":0.9140625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.29196447134017944},{"word":"if","start":1914.0499,"end":1914.21,"confidence":0.9819336,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.335773766040802},{"word":"you","start":1914.21,"end":1914.2899,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3689874410629273},{"word":"could","start":1914.2899,"end":1914.5299,"confidence":0.79418945,"punctuated_word":"could,","sentiment":"positive","sentiment_score":0.34972620010375977},{"word":"please","start":1914.5299,"end":1914.77,"confidence":0.9975586,"punctuated_word":"please,","sentiment":"positive","sentiment_score":0.4451715648174286},{"word":"that'd","start":1914.77,"end":1915.09,"confidence":0.75927734,"punctuated_word":"that'd","sentiment":"positive","sentiment_score":0.6392876505851746},{"word":"be","start":1915.09,"end":1915.25,"confidence":0.99902344,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.5882027745246887},{"word":"fantastic","start":1915.25,"end":1915.75,"confidence":0.7644043,"punctuated_word":"fantastic,","sentiment":"positive","sentiment_score":0.5925388336181641},{"word":"and","start":1916.21,"end":1916.71,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17035256326198578},{"word":"i","start":1917.01,"end":1917.1699,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19440321624279025},{"word":"will","start":1917.1699,"end":1917.49,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.1537020355463028},{"word":"link","start":1917.49,"end":1917.73,"confidence":1.0,"punctuated_word":"link","sentiment":"neutral","sentiment_score":0.1965573877096176},{"word":"in","start":1917.73,"end":1917.89,"confidence":0.98291016,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1658521592617035},{"word":"with","start":1917.89,"end":1918.0499,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2041858732700348},{"word":"the","start":1918.0499,"end":1918.21,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22499442100524905},{"word":"team","start":1918.21,"end":1918.45,"confidence":1.0,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.2039213329553604},{"word":"to","start":1918.45,"end":1918.61,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19698195159435272},{"word":"book","start":1918.61,"end":1918.85,"confidence":1.0,"punctuated_word":"book","sentiment":"neutral","sentiment_score":0.24020446836948395},{"word":"you","start":1918.85,"end":1919.01,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1893693506717682},{"word":"in","start":1919.01,"end":1919.4099,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1852351874113083},{"word":"around","start":1919.4099,"end":1919.89,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.1505570262670517},{"word":"july","start":1919.89,"end":1920.39,"confidence":0.9995117,"punctuated_word":"July.","sentiment":"neutral","sentiment_score":0.16208180785179138},{"word":"i'm","start":1921.2351,"end":1921.4751,"confidence":0.9885254,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.11162334680557252},{"word":"actually","start":1921.4751,"end":1921.795,"confidence":0.9970703,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.11345444619655608},{"word":"going","start":1921.795,"end":1922.1951,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.11007443070411682},{"word":"on","start":1922.1951,"end":1922.435,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12149688601493835},{"word":"paternity","start":1922.435,"end":1922.935,"confidence":0.98291016,"punctuated_word":"paternity","sentiment":"neutral","sentiment_score":0.1253136396408081},{"word":"leave","start":1922.995,"end":1923.4751,"confidence":0.91259766,"punctuated_word":"leave.","sentiment":"neutral","sentiment_score":0.10061809420585632},{"word":"got","start":1923.4751,"end":1923.7151,"confidence":0.8491211,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":0.17547181248664856},{"word":"a","start":1923.7151,"end":1923.9551,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1649121642112732},{"word":"daughter","start":1923.9551,"end":1924.3551,"confidence":0.99902344,"punctuated_word":"daughter","sentiment":"neutral","sentiment_score":0.1289624571800232},{"word":"coming","start":1924.3551,"end":1924.8551,"confidence":1.0,"punctuated_word":"coming","sentiment":"positive","sentiment_score":0.3723914325237274},{"word":"in","start":1925.2351,"end":1925.555,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.31939902901649475},{"word":"june","start":1925.555,"end":1926.055,"confidence":0.9951172,"punctuated_word":"June.","sentiment":"neutral","sentiment_score":0.23581969738006592},{"word":"thank","start":1926.675,"end":1926.915,"confidence":0.9970703,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.3575457036495209},{"word":"you","start":1926.915,"end":1927.155,"confidence":0.98217773,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.30273669958114624},{"word":"number","start":1927.155,"end":1927.4751,"confidence":1.0,"punctuated_word":"Number","sentiment":"neutral","sentiment_score":0.0568588525056839},{"word":"three","start":1927.4751,"end":1927.795,"confidence":0.9042969,"punctuated_word":"three.","sentiment":"neutral","sentiment_score":0.06147820129990578},{"word":"so","start":1927.795,"end":1927.9551,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.018153175711631775},{"word":"i","start":1927.9551,"end":1928.035,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.020582880824804303},{"word":"don't","start":1928.035,"end":1928.275,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.02278244122862816},{"word":"know","start":1928.275,"end":1928.435,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.057070136070251465},{"word":"why","start":1928.435,"end":1928.8351,"confidence":1.0,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.06259743869304657},{"word":"we","start":1928.8351,"end":1929.155,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.03024483472108841},{"word":"went","start":1929.155,"end":1929.395,"confidence":0.9819336,"punctuated_word":"went","sentiment":"neutral","sentiment_score":-0.04031715914607048},{"word":"to","start":1929.395,"end":1929.555,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03529747948050499},{"word":"do","start":1929.555,"end":1929.795,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.021895606070756912},{"word":"that","start":1929.795,"end":1930.035,"confidence":0.9501953,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.01193743757903576},{"word":"but","start":1930.035,"end":1930.515,"confidence":0.9848633,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":0.007711948826909065},{"word":"you","start":1930.515,"end":1930.675,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01983374729752541},{"word":"know","start":1930.675,"end":1931.175,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.0463627353310585},{"word":"it'll","start":1931.395,"end":1931.635,"confidence":0.9970703,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.11729836463928224},{"word":"be","start":1931.635,"end":1931.795,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.13994866609573364},{"word":"fun","start":1931.795,"end":1932.035,"confidence":1.0,"punctuated_word":"fun","sentiment":"neutral","sentiment_score":0.1380859613418579},{"word":"later","start":1932.035,"end":1932.3551,"confidence":0.9980469,"punctuated_word":"later","sentiment":"neutral","sentiment_score":0.1766936480998993},{"word":"down","start":1932.3551,"end":1932.5951,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.17373065650463104},{"word":"the","start":1932.5951,"end":1932.675,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13314667344093323},{"word":"line","start":1932.675,"end":1932.915,"confidence":0.9501953,"punctuated_word":"line,","sentiment":"neutral","sentiment_score":0.15327131748199463},{"word":"i'm","start":1932.915,"end":1933.155,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.12469170987606049},{"word":"sure","start":1933.155,"end":1933.655,"confidence":0.98535156,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":0.09027832746505736},{"word":"and","start":1934.99,"end":1935.49,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08195576071739197},{"word":"i","start":1935.5499,"end":1935.71,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07578685134649277},{"word":"should","start":1935.71,"end":1935.87,"confidence":0.99121094,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.10270704329013824},{"word":"be","start":1935.87,"end":1936.0299,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.04960959032177925},{"word":"back","start":1936.0299,"end":1936.19,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.05326610431075096},{"word":"towards","start":1936.19,"end":1936.51,"confidence":0.9970703,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.04885067790746689},{"word":"the","start":1936.51,"end":1936.59,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.058588799089193344},{"word":"june","start":1936.59,"end":1937.3899,"confidence":0.9971517,"punctuated_word":"June.","sentiment":"neutral","sentiment_score":0.06356969475746155},{"word":"so","start":1937.3899,"end":1937.71,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0548478327691555},{"word":"as","start":1937.71,"end":1937.87,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.03892328962683678},{"word":"soon","start":1937.87,"end":1938.0299,"confidence":1.0,"punctuated_word":"soon","sentiment":"neutral","sentiment_score":0.06168779358267784},{"word":"as","start":1938.0299,"end":1938.19,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07042299211025238},{"word":"i'm","start":1938.19,"end":1938.4299,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.07558440417051315},{"word":"back","start":1938.4299,"end":1938.75,"confidence":0.9995117,"punctuated_word":"back,","sentiment":"neutral","sentiment_score":0.08402161300182343},{"word":"i'll","start":1938.75,"end":1938.99,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.09600859135389328},{"word":"get","start":1938.99,"end":1939.23,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.09545551985502244},{"word":"the","start":1939.23,"end":1939.3099,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09910663217306136},{"word":"team","start":1939.3099,"end":1939.47,"confidence":0.99902344,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.0892467349767685},{"word":"to","start":1939.47,"end":1939.71,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11240343749523164},{"word":"reach","start":1939.71,"end":1939.95,"confidence":1.0,"punctuated_word":"reach","sentiment":"neutral","sentiment_score":0.11251817643642426},{"word":"out","start":1939.95,"end":1940.19,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1022619605064392},{"word":"and","start":1940.19,"end":1940.51,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11276459693908691},{"word":"try","start":1940.51,"end":1940.75,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.14116135239601135},{"word":"and","start":1940.75,"end":1940.9099,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15015944838523865},{"word":"find","start":1940.9099,"end":1941.1499,"confidence":1.0,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.13573205471038818},{"word":"a","start":1941.1499,"end":1941.23,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1162545084953308},{"word":"time","start":1941.23,"end":1941.47,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.1066337376832962},{"word":"with","start":1941.47,"end":1941.63,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.11684039235115053},{"word":"you","start":1941.63,"end":1942.13,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.09591371566057204},{"word":"awesome","start":1943.63,"end":1944.11,"confidence":0.97314453,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.33339759707450867},{"word":"if","start":1944.11,"end":1944.2699,"confidence":0.9970703,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.20411840081214905},{"word":"anything","start":1944.2699,"end":1944.59,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.1904863864183426},{"word":"pops","start":1944.59,"end":1944.83,"confidence":0.99902344,"punctuated_word":"pops","sentiment":"neutral","sentiment_score":0.1785525381565094},{"word":"up","start":1944.83,"end":1944.9099,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1710669994354248},{"word":"in","start":1944.9099,"end":1945.07,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1323174089193344},{"word":"between","start":1945.07,"end":1945.5499,"confidence":1.0,"punctuated_word":"between,","sentiment":"neutral","sentiment_score":0.10328246653079988},{"word":"please","start":1945.5499,"end":1945.7899,"confidence":1.0,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.14820191264152527},{"word":"just","start":1945.7899,"end":1945.95,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.19113215804100037},{"word":"give","start":1945.95,"end":1946.19,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.16124054789543152},{"word":"us","start":1946.19,"end":1946.35,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.1826218068599701},{"word":"a","start":1946.35,"end":1946.4299,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21122530102729797},{"word":"call","start":1946.4299,"end":1946.865,"confidence":1.0,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":0.13698850572109222},{"word":"awesome","start":1948.865,"end":1949.265,"confidence":0.9848633,"punctuated_word":"Awesome,","sentiment":"positive","sentiment_score":0.3572336435317993},{"word":"nicola","start":1949.265,"end":1949.665,"confidence":0.86206055,"punctuated_word":"Nicola.","sentiment":"neutral","sentiment_score":0.15853862464427948},{"word":"thank","start":1949.665,"end":1949.825,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7503752112388611},{"word":"you","start":1949.825,"end":1950.065,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8121547102928162},{"word":"so","start":1950.065,"end":1950.145,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.8262446522712708},{"word":"much","start":1950.145,"end":1950.385,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.8450446128845215},{"word":"for","start":1950.385,"end":1950.465,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.8047178983688354},{"word":"your","start":1950.465,"end":1950.625,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7799824476242065},{"word":"time","start":1950.625,"end":1950.865,"confidence":1.0,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.7971833944320679},{"word":"anything","start":1950.865,"end":1951.105,"confidence":1.0,"punctuated_word":"Anything","sentiment":"neutral","sentiment_score":0.3188885748386383},{"word":"else","start":1951.105,"end":1951.345,"confidence":1.0,"punctuated_word":"else","sentiment":"positive","sentiment_score":0.3362428545951843},{"word":"i","start":1951.345,"end":1951.425,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2682132422924042},{"word":"can","start":1951.425,"end":1951.585,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2904481291770935},{"word":"do","start":1951.585,"end":1952.085,"confidence":1.0,"punctuated_word":"do?","sentiment":"neutral","sentiment_score":0.18915900588035583},{"word":"cool","start":1957.585,"end":1957.825,"confidence":0.9975586,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.486936628818512},{"word":"when","start":1957.825,"end":1958.065,"confidence":1.0,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.22500966489315033},{"word":"you","start":1958.065,"end":1958.145,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1849444210529327},{"word":"go","start":1958.145,"end":1958.3049,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.19207611680030823},{"word":"through","start":1958.3049,"end":1958.545,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2625725269317627},{"word":"to","start":1958.545,"end":1958.625,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.25321492552757263},{"word":"the","start":1958.625,"end":1958.785,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22598481178283691},{"word":"end","start":1958.785,"end":1958.945,"confidence":0.99902344,"punctuated_word":"end,","sentiment":"neutral","sentiment_score":0.1366027593612671},{"word":"there'll","start":1958.945,"end":1959.265,"confidence":0.94384766,"punctuated_word":"there'll","sentiment":"neutral","sentiment_score":0.2109147012233734},{"word":"be","start":1959.265,"end":1959.425,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2678477466106415},{"word":"a","start":1959.425,"end":1959.505,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2932860851287842},{"word":"pop","start":1959.505,"end":1959.665,"confidence":0.98828125,"punctuated_word":"pop","sentiment":"neutral","sentiment_score":0.2589961588382721},{"word":"up","start":1959.665,"end":1959.825,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.2426961213350296},{"word":"if","start":1959.825,"end":1959.985,"confidence":0.9951172,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2199796736240387},{"word":"you","start":1959.985,"end":1960.065,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17155231535434723},{"word":"wanna","start":1960.065,"end":1960.385,"confidence":0.97802734,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.2195335477590561},{"word":"download","start":1960.385,"end":1960.785,"confidence":1.0,"punctuated_word":"download","sentiment":"neutral","sentiment_score":0.16094228625297546},{"word":"a","start":1960.785,"end":1960.865,"confidence":0.9873047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16840368509292605},{"word":"signed","start":1960.865,"end":1961.1849,"confidence":0.99902344,"punctuated_word":"signed","sentiment":"neutral","sentiment_score":0.1638488471508026},{"word":"copy","start":1961.1849,"end":1961.425,"confidence":1.0,"punctuated_word":"copy","sentiment":"neutral","sentiment_score":0.21901795268058777},{"word":"for","start":1961.425,"end":1961.585,"confidence":0.9140625,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.20328396558761597},{"word":"your","start":1961.585,"end":1961.745,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2511443793773651},{"word":"records","start":1961.745,"end":1962.245,"confidence":1.0,"punctuated_word":"records.","sentiment":"neutral","sentiment_score":0.1780831813812256},{"word":"awesome","start":1964.38,"end":1964.7001,"confidence":0.9423828,"punctuated_word":"Awesome,","sentiment":"positive","sentiment_score":0.8472346067428589},{"word":"nicola","start":1964.7001,"end":1965.18,"confidence":0.80371094,"punctuated_word":"Nicola.","sentiment":"positive","sentiment_score":0.7539485096931458},{"word":"have","start":1965.18,"end":1965.3401,"confidence":1.0,"punctuated_word":"Have","sentiment":"positive","sentiment_score":0.752053439617157},{"word":"a","start":1965.3401,"end":1965.5,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7082928419113159},{"word":"fantastic","start":1965.5,"end":1965.98,"confidence":1.0,"punctuated_word":"fantastic","sentiment":"positive","sentiment_score":0.8192427754402161},{"word":"day","start":1965.98,"end":1966.3,"confidence":0.9926758,"punctuated_word":"day,","sentiment":"positive","sentiment_score":0.604210376739502},{"word":"and","start":1966.3,"end":1966.54,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4241497218608856},{"word":"we'll","start":1966.54,"end":1966.7001,"confidence":1.0,"punctuated_word":"we'll","sentiment":"positive","sentiment_score":0.4812180697917938},{"word":"talk","start":1966.7001,"end":1966.9401,"confidence":1.0,"punctuated_word":"talk","sentiment":"positive","sentiment_score":0.5656613707542419},{"word":"soon","start":1966.9401,"end":1967.4401,"confidence":0.99902344,"punctuated_word":"soon.","sentiment":"positive","sentiment_score":0.5369033813476562},{"word":"thank","start":1969.66,"end":1969.9,"confidence":0.9970703,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6225533485412598},{"word":"you","start":1969.9,"end":1970.2201,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.631865382194519},{"word":"bye","start":1970.2201,"end":1970.7201,"confidence":0.9980469,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.321957528591156}],"paragraphs":{"transcript":"\nGood afternoon, Nicola. It's Tommy here, senior adviser from Oakview. How are you doing? I'm doing fantastic. It's a beautiful cool down the Gold Coast.\n\nWhat about your end? Oof. Not too bad. Bit of a beach weather all of a sudden. Awesome.\n\nI've got you booked in to go through a bit of an annual review if you still have time for me. Fantastic. Now before I get started, usual security process, are you okay for this call to be recorded? Amazing. And for security of your information, I'm registered with ASIC as Adviser 1273105.\n\nAre you okay to confirm your date of birth and address, please? Perfect. Amazing. Amazing. Thank you so much for that.\n\nI have your Gmail account ready to go to send through this annual review pack. Is that still okay? Awesome. So I'm gonna pop that through to you now with a number of usual attachments there as well. Will you have time to look onto these documents with me today, or should I just kind of walk you through what's there?\n\nOh, that should be plenty of time. Yes. I can hear you perfectly. What about my end? Amazing.\n\nAlright. So that should come through. We do have a bit of a new system this year with Odoo, sort of custom built for us. That may go through to your spam box on the first attempt until it's all kind of cleared through spam filters and so on, or it may go straight to the main inbox. Just depends on Gmail these days.\n\nAwesome. Awesome. So before I dive into your details, is there anything in particular you would like to get out of this year's review? Amazing. Oh, no.\n\nOkay. Okay. Yeah. He would have just turned, what, 13 this year? Amazing.\n\nSo with your the casual employment, would you potentially have an estimate of what your yearly income looks like now? Yeah. Well, even so, like, if I divided that by the seven months and extrapolated that ad annually, you're still getting around 27, which is creeping close to the 30 we had you on as part time. So with a bit of extra hours here and there, it kind of floats between the two. Yeah.\n\nNo. That's painful. The the loading is supposed to help with that, but it often doesn't. Okay. And okay.\n\nIs it a different role from pharmacy assistant? Yep. Medical receptionist. And who's that for? In Port Adelaide.\n\nThank you so much for that. And would you still say that your your main focus at the moment is just kind of paying down the mortgage? Because the main thing we have for every year for you was just getting that mortgage finalized. And how are you guys going with that? Yep.\n\nOkay. No worries. 270. That's pretty good. I think last check we have was about $3.73, so that's going down pretty nicely.\n\nYep. Perfect. 595,000. Now do you have a bit of an estimate on the investment property's value now? Because I know property market's been all over the place.\n\nYeah. Yeah. Okay. And I was having a look at the the main residence, and a bit of Google was saying it could even be estimated at about 1,300,000. Wow.\n\nThat's amazing. I think we had an early, early estimate towards the beginning of about 700,000, so it's close to doubled the last sort of four or five years. Amazing. So equity everywhere, that must be nice. Whether it translates to something a bit tangible down the line, hopefully, that can come into play a little bit.\n\nUh-huh. Oh, no. Okay. Yeah. That's never fun, especially when you've got I mean, is the rental okay on that property?\n\nYeah. That's a tricky one. Yeah. And with the rental side of things, are they paying a a good $7.50, 800 a week, or what's the the average? Yep.\n\nStill here. $6.80. Yeah. And I'm I've got all those email chains. I have 24 replies with three, four different people, and it's a bit bit hard to try.\n\nNo. That's okay. I mean, all I would kind of just give you as an an average for that $6.80 is it's a decent percentage compared to the debt level that you have. But compared to the value of the property, there may be properties in other states for 800,000 that would rent for $8.08 50 a week or something like that. So percentage wise, it might be a little bit low compared to the value.\n\nBut if it's still keeping up with the repayments, that's pretty good. Yeah. Yeah. Yep. And it should be a pretty good outcome.\n\nI mean, at the end of the day, you still got enough years left where that mortgage can be paid off. You've got the investment property with the rental income. We'll sell that off. Bit of super on the side as well. So everything's looking like it's slowly coalescing in a good direction.\n\nPerfect. Perfect. Last couple of details I just wanna check with you is did you end up putting in place, like, a will or power of attorney, state planning wise? Yep. Yeah.\n\nMight be out of date. Yep. I think their their guidelines are, like, check every three years or so is usually pretty good. Power of attorney is really important too, I think, because even even the old $25 kit from the post office can make sure that someone can talk to the doctors and access bank accounts and not have to go to the courts, which is not as fun. So that might be do.\n\nAwesome. So addresses still stay the same. You still have the one dependent. Occupation is different. You guys have never gone through a a bankruptcy or part nine debt agreement before, have you?\n\nNope. Perfect. Yeah. It's kind of like a type of bankruptcy, but it's kinda like a payment plan bankruptcy. Not as fun.\n\nAmazing. So that's pretty much it. Is there anything else on the cards for you guys the next three to five years? Amazing. I shall note that down.\n\nIf you do you have any debt on it, or is it mainly just a clean purchase? Okay. And how much would that go for? Alright. I'll give the old 75 in the middle.\n\nAnd I do have to ask you all a important question. Are you guys planning to one day caravan around Australia in retirement, or is it more just for, you know, the next ten years? Yep. Yep. Amazing.\n\nAnd it's funny because it's a bit of a dream for about half of Australia, which is like, we'll just have the mortgage paid off. We'll hop in a caravan. We'll go around the country. Hopefully, there's no oil crisis for a lot of people who are acquiring with their caravans because that was probably unforeseen in terms of their retirement goals, but you've still got a bit of time for that to resolve. Amazing.\n\nWhen it comes to retirement and super so you can access your super at 60, and that's your preservation age. And 67 is when the age pension from Centrelink kicks in. So it's a bit of a balancing act between working a bit longer and growing your funds towards that age pension age or growing it a bit faster and retiring a bit earlier. I just wanted to kind of gauge with you what you foresaw for you and your family. Yep.\n\nSo as early as possible. Amazing. And there's lots of different strategies you can do too, like, when it comes to properties and getting funds into super or supplementing with rental income, transition strategies after 60. So there's enough things that we can kind of do now, but there's also more coming down the line that can kind of bump you up a little bit too. For a bit of a joint retirement goal, I just wanted to quickly check base because of your your balance and your income level compared to your partner.\n\nI just wanted to briefly discuss what portion of that retirement income do you think you would need to contribute to it? Like, do you have an estimate on his super balance and I can kind of do a bit of a work back? Yeah. That's okay. Yeah.\n\nSo one thing that we can do is you're in a pretty high growth portfolio, so the whole aim is just kind of catch you up. Get as much returns as possible as you get closer to retirement because, you know, twenty years from now is quite a while to project out. We can refine that joint retirement planning conversation when you get a bit closer, like late fifties. If for now the focus is just get as much as possible, we can focus there. Absolutely.\n\nAnd we've got a few a few market cycles, I would sort of say, for you as well. Like, yes, it's not too far off, but every seven years or so, the market tends to grow for a few years, and then there's some sort of event that makes it crash. COVID, GFC, war in Iran. And if you repeat that, let's say, fourteen years from now, you've got almost one market cycle to get as much growth as possible. You'd probably don't wanna be high risk at the age of 62 and lose half your super to a stock market crash just before retirement.\n\nDo you know what I mean? So it's like we can grow it for one cycle and then slowly reduce the risk for the second cycle, and that could look like going from 90 to a 100% in growth assets like shares and property, and then gradually trim that down the last seven years, eighty, seventy, 60, 40%, and then there's your pension account in your sixties to live off. Okay? So as long as you're okay to go kind of ride through the waves a little bit, use your contributions from work as a bit of a a buy in, bit of a buying opportunity whenever there's a dip, that would be the growth cycle that we're trying to do. Perfect.\n\nPerfect. So I'm just having a look at the Netwealth account now. Have you do you log in every every now and then? Or No. It's okay.\n\nThere's a lot of people that tend to watch it daily and panic themselves every time there's a news article and their super fund shoots up and down a few thousand dollars. So I wouldn't go too crazy with it, but a bit of visibility is always nice. Now when it comes to the options that you've got, do you recall anything about what you're invested in, risk levels, that kind of thing? No. That's okay.\n\nYeah. Pretty much everything you've got is a split between international shares, Australian shares, and gold, which is your alternative. That's your sort of high growth mix at the moment. Yeah. There's definitely a few companies in there benefiting from that, but, yeah, a bit of crude oil would be nice to track that price.\n\nAbsolutely. Most of the options have done fantastic. Out of the you've got five, six, seven, eight main options. Seven of them have gone up double digits. So high growth, you're aiming for about 10% or above as an average long term return.\n\nYou've got gold up 25. Europe's up 14. Japan's up 21%. Thank you, Japan, for coming back the last couple of years, and your international shares have gone up 11% as well. So that's all doing good.\n\nThere was a change that we made to your portfolio. Did you receive an email from us in the last couple of months? Do you remember seeing an email from us? That's okay. I'll kind of explain what change we made.\n\nNormally, when we go through reviews, we go through all of your options, make sure they're all performing well. If there's three or four of them that are doing badly, we need to rebalance your whole portfolio. If it's just one, we tend to track it for a while, and we may do some advice to switch it out if we need to. What happened in this case was something a little bit more extreme than that. So your Australian shares option, one of them, had kind of shot off downwards away from the rest of the pack and away from the Australian market.\n\nSo it just started going down, and it wasn't bouncing back in amongst everybody else. So on a licensee level, our investment committee made the decision to do a sweeping change across all client accounts rather than wait for us to go through the review, wait for us to update the advice because it was kind of that extreme of a situation. So what happened was that was dropping at about 11% even though most Aussie funds were up a couple of percent for the year. And we've since sold out of that pretty recently for you into just a standard a 200 ETF, so much, much lower fees, and it's already bounced back three or 4%. So as far as my view of it, you're still hitting those long term average returns.\n\nYou're still up a few percent a year even though the stock market's been plummeting. All of the options have now been kind of fixed, and they're all performing the way they should be. So the only real changes we could consider is, a, putting more contributions in, but, again, cash flow is a bit tight for you at the moment, or changing risk level. So I do just need to double check that you're okay for that sort of high growth approach still. Yep.\n\nNow this may help you a little bit, and I'm not trying to kind of steer you in either direction. But if we're trying to get as much growth out of it as possible, we kind of need to stay high growth and average out the returns until you're closer as long as you're comfortable that it bounces between, oh, what is it, a hundred and hundred and twenty one thousand now. So a high growth could go down to, like, 90,000 and be one seventy the next year. Yeah. And we can always change it again.\n\nThe way I would kind of describe the current situation is like, imagine if you bought that investment property. You've got the value of it's sitting at 800,000. If that went down to 600,000, would that be a flag for you to rush off and sell it and crystallize that loss, or would you say, oh, that's a buying opportunity. I'll grab two more if you can afford to do so. Yeah.\n\nSo what we're doing with your contributions is we're just gradually buying all of these companies, gold properties, and so on. And then when the market bounces back, you get that nice big return on the way up, which could be ten, twenty, 30% up. Okay? Outside of that, the insurance is coming out of the account as well. Do you recall your Neos policy?\n\nYep. That's what I wanted to run by you. $523,006.82 of life insurance and total disability. So it's just about half a mil plus your your super. So that pretty much covers your mortgage plus another couple 100,000 and your super on top.\n\nNow premium wise, it's actually not too bad considering 49 turning 50. It's sitting at 20 200. It goes down to $1.08 $9.03 after a 15% rebate because all of those premiums inside Super, they get a tax rebate. That brings it down a little bit. We do have to keep an eye on that because it will increase every year and through the fifties.\n\nIf you close your eyes for seven years, it would be six grand before you know it. So the main thing is as you pay down that mortgage is we will have to trim it down gradually as well. It wouldn't have too big of a a difference unless you wanted to literally just chop it in half and just make it just in line with your mortgage value, and then that would obviously reduce it by about 45%, save you a thousand bucks. So it really depends on okay. Let's say you can never work again.\n\nDo you want the mortgage cleared off plus a couple of $100 to supplement lost income up until retirement? Because that'll cover you for about five, six years of lost income, or do you just wanna clear the debt and let your partner's income cover it? Okay. That might be the the trick afterwards because you've got policy anniversary in July, and the the figures will change around then as well. Are you okay for me to pencil you in for a catch up around July?\n\nThat way, once we've got the anniversary premiums, if we need to alter it, it's prorated. So let's say they take that yearly premium out and we chop it in half and it's only been two days, they'll refund, like, 99% of it. Cool. With your occupation change, I'm just wondering if that affects pricing. Medical receptionist, pharmacy assistant.\n\nNo. I think that would be pretty similar in risk level. If they bump you up to a manager or something like that, you could potentially get a cheaper premium that way as well. Cool. There's no income protection or trauma insurance, I'm assuming.\n\nI mean, with the casual income, your partner's income is the main one to insure. Would you agree? Yep. And I'm assuming you probably don't want another $5 worth of premiums for some income protection at the moment. Oh, That's, yeah, that's a bit painful.\n\nMy main job is to say, hey. You could have these four insurances. Are they appropriate? Yes or no? For you, life and TPD is.\n\nIncome protection, not so much. And it's up to you whether you feel like you can afford to get some trauma insurance out of pocket for heart attack, stroke, and cancer. You can't fund it through your super. If you have a heart attack, do you rely on your partner in the public health system, or would you like insurance for that? I would say for a standard 100,000 worth of cover, it would probably be around 100 to 200 a month.\n\nYeah. Yeah. No. Totally fine. I am guided by you.\n\nThat is perfect. The last thing I was gonna check was just in terms of beneficiaries. I might have to dig into the accounts a bit deeper. The certificate of currency for Nios doesn't actually tell me who's listed on there. I'm assuming you still want your partner to receive the super and the life insurance.\n\nIs that right? Perfect. Perfect. So what I'll do is straight after this call, I will send you a message once I've logged in to both accounts just to double check that that's all up to date. If not, we can send you the forms.\n\nPerfect. Perfect. Perfect. Now that was a bit of info to throw at you, Nicola, but do you have any questions so far? Okay.\n\nAre you happy with how everything's going so far since you've been a client? Because you've been a client with us for for quite a while. Yep. That's super fun that just sits in the background. Yeah.\n\nYeah. Absolutely. My the fun thing for me is just kind of seeing people go through each life stage and kind of being alongside that. So, you know, there's some people who have a couple of teenagers and they're investing so they can help with the house deposit. We get to be there when they retire and have their pension accounts go on their first holiday.\n\nIt's it's pretty fun. It's rewarding. Yeah. And sometimes that can be the biggest help for us. People just kind of they just go through life and life skips by really quickly and not taking a time to just kind of pause, talk about it, look at a few things, and try something.\n\nAnd sometimes that can be enough to just kind of pivot the direction in the right path, if that makes sense. Awesome. Now with that pack that I've sent you through, it contains a number of documents that are kind of attachments as well as a link as well. So attached, we've got updated financial services guide. That's like our licensing details, complaints procedure, what we can advise on.\n\nYou've got a bit of a Vanguard chart, which just talks about the history of the markets for a bit of a long term view, your certificate of currency for the insurance, your performance for the net wealth, and an overview services guide as well. Now I do have to ask the all important question. Are you comfortable for us to remain your advisers for the next twelve months? Perfect. We do have to get your consent on a yearly basis to remain on the accounts.\n\nSo included in the little blue link is a service agreement, and that has 1.65% of the fees. That's been included in the returns. So, again, net returns after fees. And once you hit 600,000 in your balance, which is the ideal target to get everyone up to that million mark, it does cap when you're at 600,000. K?\n\nNow it may seem like you may never get there, but it you'd be surprised what can happen in those later years where you go from $2.50, 300, and all of a sudden, seven years later, you're sitting at $506,100. So it can really compound those last ten years or so. Okay? I'm just gonna double check if there was anything else in that pack because we've just been updating some details in the new system. So please just bear with me for one quick moment.\n\nYes. There is a tax file number opt in form. So with all the cybersecurity issues of last year, we don't wanna hold your all important tax file number in a bunch of digital So this is just a form to say, hey. Are you comfortable for us to hold it on this one document instead? Because it is such an important identifier for you.\n\nCool. Do you have any questions for me before I let you go? Awesome. I if you could, please, that'd be fantastic, and I will link in with the team to book you in around July. I'm actually going on paternity leave.\n\nGot a daughter coming in June. Thank you. Number three. So I don't know why we went to do that, but, you know, it'll be fun later down the line, I'm sure. And I should be back towards the June.\n\nSo as soon as I'm back, I'll get the team to reach out and try and find a time with you. Awesome. If anything pops up in between, please just give us a call. Awesome, Nicola. Thank you so much for your time.\n\nAnything else I can do? Cool. When you go through to the end, there'll be a pop up if you wanna download a signed copy for your records. Awesome, Nicola. Have a fantastic day, and we'll talk soon.\n\nThank you. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Nicola.","start":3.84,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.27487340569496155},{"text":"It's Tommy here, senior adviser from Oakview.","start":4.7999997,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.1741857102939061},{"text":"How are you doing?","start":6.8799996,"end":7.7,"sentiment":"neutral","sentiment_score":0.1591976173222065},{"text":"I'm doing fantastic.","start":9.599999,"end":10.58,"sentiment":"positive","sentiment_score":0.7280544837315878},{"text":"It's a beautiful cool down the Gold Coast.","start":10.719999,"end":12.799999,"sentiment":"positive","sentiment_score":0.6682996600866318}],"sentiment":"positive","sentiment_score":0.40845085561275485,"num_words":25,"start":3.84,"end":12.799999},{"sentences":[{"text":"What about your end?","start":12.799999,"end":13.815,"sentiment":"neutral","sentiment_score":0.0897376798093319},{"text":"Oof.","start":17.895,"end":18.215,"sentiment":"neutral","sentiment_score":0.06446116417646408},{"text":"Not too bad.","start":18.215,"end":19.115,"sentiment":"neutral","sentiment_score":0.06815658261378606},{"text":"Bit of a beach weather all of a sudden.","start":19.574999,"end":21.275,"sentiment":"neutral","sentiment_score":0.01018980455895265},{"text":"Awesome.","start":23.255,"end":23.654999,"sentiment":"positive","sentiment_score":0.3774155378341675}],"sentiment":"neutral","sentiment_score":0.06094474500666062,"num_words":18,"start":12.799999,"end":23.654999},{"sentences":[{"text":"I've got you booked in to go through a bit of an annual review if you still have time for me.","start":23.654999,"end":27.63,"sentiment":"neutral","sentiment_score":0.14713589350382486},{"text":"Fantastic.","start":29.07,"end":29.57,"sentiment":"positive","sentiment_score":0.3869110941886902},{"text":"Now before I get started, usual security process, are you okay for this call to be recorded?","start":29.789999,"end":34.449997,"sentiment":"neutral","sentiment_score":0.07832035444238607},{"text":"Amazing.","start":35.949997,"end":36.449997,"sentiment":"neutral","sentiment_score":0.20894627273082733},{"text":"And for security of your information, I'm registered with ASIC as Adviser 1273105.","start":36.67,"end":43.715,"sentiment":"neutral","sentiment_score":0.10740453807207254}],"sentiment":"neutral","sentiment_score":0.12100785190485558,"num_words":53,"start":23.654999,"end":43.715},{"sentences":[{"text":"Are you okay to confirm your date of birth and address, please?","start":43.855,"end":46.995,"sentiment":"neutral","sentiment_score":0.06316180837651093},{"text":"Perfect.","start":51.215,"end":51.715,"sentiment":"neutral","sentiment_score":0.05631401389837265},{"text":"Amazing.","start":56.75,"end":57.23,"sentiment":"positive","sentiment_score":0.3935467004776001},{"text":"Amazing.","start":57.23,"end":57.629997,"sentiment":"positive","sentiment_score":0.45855286717414856},{"text":"Thank you so much for that.","start":57.629997,"end":59.01,"sentiment":"positive","sentiment_score":0.579783022403717}],"sentiment":"neutral","sentiment_score":0.24500254364240737,"num_words":21,"start":43.855,"end":59.01},{"sentences":[{"text":"I have your Gmail account ready to go to send through this annual review pack.","start":59.149998,"end":63.71,"sentiment":"neutral","sentiment_score":0.31480677823225656},{"text":"Is that still okay?","start":63.71,"end":64.77,"sentiment":"neutral","sentiment_score":0.1597627028822899},{"text":"Awesome.","start":66.284996,"end":66.765,"sentiment":"neutral","sentiment_score":0.23024716973304749},{"text":"So I'm gonna pop that through to you now with a number of usual attachments there as well.","start":66.765,"end":71.985,"sentiment":"neutral","sentiment_score":0.14099488779902458},{"text":"Will you have time to look onto these documents with me today, or should I just kind of walk you through what's there?","start":72.845,"end":77.825,"sentiment":"neutral","sentiment_score":0.03759101195179898}],"sentiment":"neutral","sentiment_score":0.147440998524916,"num_words":61,"start":59.149998,"end":77.825},{"sentences":[{"text":"Oh, that should be plenty of time.","start":82.22,"end":84.0,"sentiment":"neutral","sentiment_score":0.022149429523519108},{"text":"Yes.","start":88.06,"end":88.38,"sentiment":"neutral","sentiment_score":0.01628326252102852},{"text":"I can hear you perfectly.","start":88.38,"end":89.34,"sentiment":"neutral","sentiment_score":0.03973531574010849},{"text":"What about my end?","start":89.34,"end":90.405,"sentiment":"neutral","sentiment_score":0.0030051092617213726},{"text":"Amazing.","start":92.645,"end":93.145,"sentiment":"neutral","sentiment_score":0.29216468334198}],"sentiment":"neutral","sentiment_score":0.037455053793059453,"num_words":18,"start":82.22,"end":93.145},{"sentences":[{"text":"Alright.","start":95.365,"end":95.765,"sentiment":"neutral","sentiment_score":0.09299933910369872},{"text":"So that should come through.","start":95.765,"end":96.885,"sentiment":"neutral","sentiment_score":0.0986778423190117},{"text":"We do have a bit of a new system this year with Odoo, sort of custom built for us.","start":96.885,"end":101.365,"sentiment":"neutral","sentiment_score":0.07397989850295217},{"text":"That may go through to your spam box on the first attempt until it's all kind of cleared through spam filters and so on, or it may go straight to the main inbox.","start":101.365,"end":111.0,"sentiment":"neutral","sentiment_score":0.024953270472134605},{"text":"Just depends on Gmail these days.","start":111.0,"end":113.5,"sentiment":"neutral","sentiment_score":0.03351434040814638}],"sentiment":"neutral","sentiment_score":0.047133602973190136,"num_words":64,"start":95.365,"end":113.5},{"sentences":[{"text":"Awesome.","start":115.96,"end":116.28,"sentiment":"neutral","sentiment_score":0.3094288408756256},{"text":"Awesome.","start":116.28,"end":116.68,"sentiment":"neutral","sentiment_score":0.1711522936820984},{"text":"So before I dive into your details, is there anything in particular you would like to get out of this year's review?","start":116.68,"end":123.274994,"sentiment":"neutral","sentiment_score":0.021002617198973894},{"text":"Amazing.","start":129.255,"end":129.755,"sentiment":"positive","sentiment_score":0.7174702882766724},{"text":"Oh, no.","start":133.12999,"end":133.87,"sentiment":"neutral","sentiment_score":-0.2422640100121498}],"sentiment":"neutral","sentiment_score":0.04354003634027861,"num_words":27,"start":115.96,"end":133.87},{"sentences":[{"text":"Okay.","start":139.84999,"end":140.34999,"sentiment":"neutral","sentiment_score":-0.08507905900478363},{"text":"Okay.","start":146.66501,"end":147.16501,"sentiment":"neutral","sentiment_score":-0.014564691111445429},{"text":"Yeah.","start":174.455,"end":174.695,"sentiment":"neutral","sentiment_score":0.0213104784488678},{"text":"He would have just turned, what, 13 this year?","start":174.695,"end":177.595,"sentiment":"neutral","sentiment_score":0.010949037658671537},{"text":"Amazing.","start":179.59001,"end":180.09001,"sentiment":"positive","sentiment_score":0.4141970574855805}],"sentiment":"neutral","sentiment_score":0.03341577882663562,"num_words":13,"start":139.84999,"end":180.09001},{"sentences":[{"text":"So with your the casual employment, would you potentially have an estimate of what your yearly income looks like now?","start":180.47,"end":187.45001,"sentiment":"neutral","sentiment_score":0.11035263445228338},{"text":"Yeah.","start":213.54001,"end":214.035,"sentiment":"neutral","sentiment_score":-0.0671510398387909},{"text":"Well, even so, like, if I divided that by the seven months and extrapolated that ad annually, you're still getting around 27, which is creeping close to the 30 we had you on as part time.","start":220.675,"end":232.62001,"sentiment":"neutral","sentiment_score":0.005678917358939846},{"text":"So with a bit of extra hours here and there, it kind of floats between the two.","start":232.62001,"end":236.56001,"sentiment":"neutral","sentiment_score":-0.14577604654957266},{"text":"Yeah.","start":240.07501,"end":240.315,"sentiment":"neutral","sentiment_score":-0.06400921195745468}],"sentiment":"neutral","sentiment_score":-0.00263812438895305,"num_words":75,"start":180.47,"end":240.315},{"sentences":[{"text":"No.","start":240.315,"end":240.815,"sentiment":"neutral","sentiment_score":-0.2918426990509033},{"text":"That's painful.","start":240.875,"end":241.85501,"sentiment":"negative","sentiment_score":-0.38152721524238586},{"text":"The the loading is supposed to help with that, but it often doesn't.","start":242.79501,"end":245.77501,"sentiment":"neutral","sentiment_score":-0.1881101429462433},{"text":"Okay.","start":248.235,"end":248.71501,"sentiment":"neutral","sentiment_score":-0.032715365290641785},{"text":"And okay.","start":248.71501,"end":252.015,"sentiment":"neutral","sentiment_score":0.0034128669649362564}],"sentiment":"neutral","sentiment_score":-0.18559045364197932,"num_words":19,"start":240.315,"end":252.015},{"sentences":[{"text":"Is it a different role from pharmacy assistant?","start":252.07501,"end":254.41501,"sentiment":"neutral","sentiment_score":0.004463430086616427},{"text":"Yep.","start":257.6,"end":257.84,"sentiment":"neutral","sentiment_score":0.03968898206949234},{"text":"Medical receptionist.","start":257.84,"end":258.98,"sentiment":"neutral","sentiment_score":0.023398459888994694},{"text":"And who's that for?","start":259.04,"end":260.26,"sentiment":"neutral","sentiment_score":0.021890610456466675},{"text":"In Port Adelaide.","start":265.2,"end":266.34,"sentiment":"neutral","sentiment_score":0.041857543090979256}],"sentiment":"neutral","sentiment_score":0.018629356313289866,"num_words":18,"start":252.07501,"end":266.34},{"sentences":[{"text":"Thank you so much for that.","start":266.48,"end":268.02,"sentiment":"positive","sentiment_score":0.6333684325218201},{"text":"And would you still say that your your main focus at the moment is just kind of paying down the mortgage?","start":268.08,"end":273.375,"sentiment":"neutral","sentiment_score":0.19805961705389477},{"text":"Because the main thing we have for every year for you was just getting that mortgage finalized.","start":273.375,"end":277.55502,"sentiment":"neutral","sentiment_score":0.11589804686167661},{"text":"And how are you guys going with that?","start":279.77502,"end":281.61,"sentiment":"neutral","sentiment_score":0.19345881417393684},{"text":"Yep.","start":287.84998,"end":288.34998,"sentiment":"neutral","sentiment_score":0.0746595561504364}],"sentiment":"neutral","sentiment_score":0.21796338527270084,"num_words":53,"start":266.48,"end":288.34998},{"sentences":[{"text":"Okay.","start":295.945,"end":296.445,"sentiment":"neutral","sentiment_score":0.047987744212150574},{"text":"No worries.","start":298.185,"end":298.925,"sentiment":"neutral","sentiment_score":0.05266542360186577},{"text":"270.","start":313.80002,"end":314.92,"sentiment":"neutral","sentiment_score":0.058622971177101135},{"text":"That's pretty good.","start":314.92,"end":315.56003,"sentiment":"positive","sentiment_score":0.35175763567288715},{"text":"I think last check we have was about $3.73, so that's going down pretty nicely.","start":315.56003,"end":319.58002,"sentiment":"neutral","sentiment_score":0.18607211808363597}],"sentiment":"neutral","sentiment_score":0.1844680109484629,"num_words":22,"start":295.945,"end":319.58002},{"sentences":[{"text":"Yep.","start":327.73502,"end":328.23502,"sentiment":"neutral","sentiment_score":0.13120883703231812},{"text":"Perfect.","start":328.295,"end":328.795,"sentiment":"neutral","sentiment_score":0.23285417258739471},{"text":"595,000.","start":329.575,"end":331.275,"sentiment":"neutral","sentiment_score":0.1064027100801468},{"text":"Now do you have a bit of an estimate on the investment property's value now?","start":331.495,"end":336.06,"sentiment":"neutral","sentiment_score":0.021279150247573854},{"text":"Because I know property market's been all over the place.","start":336.06,"end":338.8,"sentiment":"neutral","sentiment_score":-0.02258039005100727}],"sentiment":"neutral","sentiment_score":0.020137466889406954,"num_words":28,"start":327.73502,"end":338.8},{"sentences":[{"text":"Yeah.","start":358.73,"end":358.97,"sentiment":"neutral","sentiment_score":-0.008865851908922195},{"text":"Yeah.","start":358.97,"end":359.47,"sentiment":"neutral","sentiment_score":-0.000215290579944849},{"text":"Okay.","start":363.77,"end":364.09,"sentiment":"neutral","sentiment_score":0.026798350736498833},{"text":"And I was having a look at the the main residence, and a bit of Google was saying it could even be estimated at about 1,300,000.","start":364.09,"end":370.83,"sentiment":"neutral","sentiment_score":0.032499861115446456},{"text":"Wow.","start":372.725,"end":373.225,"sentiment":"positive","sentiment_score":0.4845126569271088}],"sentiment":"neutral","sentiment_score":0.04490754180587828,"num_words":30,"start":358.73,"end":373.225},{"sentences":[{"text":"That's amazing.","start":373.365,"end":374.32498,"sentiment":"positive","sentiment_score":0.7032381594181061},{"text":"I think we had an early, early estimate towards the beginning of about 700,000, so it's close to doubled the last sort of four or five years.","start":374.32498,"end":381.54498,"sentiment":"neutral","sentiment_score":0.2306718726263002},{"text":"Amazing.","start":383.94,"end":384.42,"sentiment":"positive","sentiment_score":0.43568071722984314},{"text":"So equity everywhere, that must be nice.","start":384.42,"end":386.76,"sentiment":"neutral","sentiment_score":0.2912958285638264},{"text":"Whether it translates to something a bit tangible down the line, hopefully, that can come into play a little bit.","start":388.90002,"end":393.80002,"sentiment":"neutral","sentiment_score":0.05789335919544101}],"sentiment":"neutral","sentiment_score":0.1976707996637152,"num_words":57,"start":373.365,"end":393.80002},{"sentences":[{"text":"Uh-huh.","start":407.49002,"end":407.99002,"sentiment":"neutral","sentiment_score":-0.04063364863395691},{"text":"Oh, no.","start":411.09,"end":411.75,"sentiment":"neutral","sentiment_score":-0.10125259682536125},{"text":"Okay.","start":418.05002,"end":418.55002,"sentiment":"neutral","sentiment_score":-0.024900035932660103},{"text":"Yeah.","start":419.26498,"end":419.505,"sentiment":"neutral","sentiment_score":-0.05565835535526275},{"text":"That's never fun, especially when you've got I mean, is the rental okay on that property?","start":419.505,"end":425.205,"sentiment":"neutral","sentiment_score":-0.14289946109056473}],"sentiment":"neutral","sentiment_score":-0.12428993385817323,"num_words":21,"start":407.49002,"end":425.205},{"sentences":[{"text":"Yeah.","start":437.52002,"end":438.02002,"sentiment":"neutral","sentiment_score":-0.03955090045928955},{"text":"That's a tricky one.","start":438.16,"end":439.46002,"sentiment":"neutral","sentiment_score":-0.13710681349039078},{"text":"Yeah.","start":455.13498,"end":455.63498,"sentiment":"neutral","sentiment_score":0.02362060546875},{"text":"And with the rental side of things, are they paying a a good $7.50, 800 a week, or what's the the average?","start":458.24002,"end":465.38,"sentiment":"neutral","sentiment_score":0.0488435691751709},{"text":"Yep.","start":471.85498,"end":472.335,"sentiment":"neutral","sentiment_score":-0.0002325506357010454}],"sentiment":"neutral","sentiment_score":0.017585118009170904,"num_words":29,"start":437.52002,"end":472.335},{"sentences":[{"text":"Still here.","start":472.335,"end":473.07498,"sentiment":"neutral","sentiment_score":-0.005950045771896839},{"text":"$6.80.","start":495.645,"end":496.705,"sentiment":"neutral","sentiment_score":0.012190114706754684},{"text":"Yeah.","start":516.875,"end":517.195,"sentiment":"neutral","sentiment_score":-0.10189538449048996},{"text":"And I'm I've got all those email chains.","start":517.195,"end":519.195,"sentiment":"neutral","sentiment_score":-0.15899084322154522},{"text":"I have 24 replies with three, four different people, and it's a bit bit hard to try.","start":519.195,"end":523.53503,"sentiment":"neutral","sentiment_score":-0.22581363688496983}],"sentiment":"neutral","sentiment_score":-0.17973668738428888,"num_words":29,"start":472.335,"end":523.53503},{"sentences":[{"text":"No.","start":537.61,"end":537.76996,"sentiment":"neutral","sentiment_score":-0.053092680871486664},{"text":"That's okay.","start":537.76996,"end":538.41,"sentiment":"neutral","sentiment_score":0.07154825329780579},{"text":"I mean, all I would kind of just give you as an an average for that $6.80 is it's a decent percentage compared to the debt level that you have.","start":538.41,"end":547.415,"sentiment":"neutral","sentiment_score":0.1851244995991389},{"text":"But compared to the value of the property, there may be properties in other states for 800,000 that would rent for $8.08 50 a week or something like that.","start":548.83496,"end":558.15,"sentiment":"neutral","sentiment_score":0.09543159873834972},{"text":"So percentage wise, it might be a little bit low compared to the value.","start":558.39,"end":561.69,"sentiment":"neutral","sentiment_score":-0.009148679141487395}],"sentiment":"neutral","sentiment_score":0.1089891272253896,"num_words":76,"start":537.61,"end":561.69},{"sentences":[{"text":"But if it's still keeping up with the repayments, that's pretty good.","start":561.83,"end":565.61005,"sentiment":"positive","sentiment_score":0.5281465475757917},{"text":"Yeah.","start":572.805,"end":573.305,"sentiment":"neutral","sentiment_score":0.02197035402059555},{"text":"Yeah.","start":592.02,"end":592.33997,"sentiment":"neutral","sentiment_score":0.1228606104850769},{"text":"Yep.","start":592.33997,"end":592.66,"sentiment":"neutral","sentiment_score":0.22383855283260343},{"text":"And it should be a pretty good outcome.","start":592.66,"end":596.835,"sentiment":"positive","sentiment_score":0.5761603750288486}],"sentiment":"positive","sentiment_score":0.49198743862950284,"num_words":23,"start":561.83,"end":596.835},{"sentences":[{"text":"I mean, at the end of the day, you still got enough years left where that mortgage can be paid off.","start":596.835,"end":601.715,"sentiment":"positive","sentiment_score":0.3516978138969058},{"text":"You've got the investment property with the rental income.","start":601.715,"end":604.115,"sentiment":"neutral","sentiment_score":0.31794317232237923},{"text":"We'll sell that off.","start":604.115,"end":605.235,"sentiment":"neutral","sentiment_score":0.2885761484503746},{"text":"Bit of super on the side as well.","start":605.235,"end":606.995,"sentiment":"positive","sentiment_score":0.3663653405383229},{"text":"So everything's looking like it's slowly coalescing in a good direction.","start":606.995,"end":610.73,"sentiment":"positive","sentiment_score":0.6168286393989216}],"sentiment":"positive","sentiment_score":0.3984431130987293,"num_words":53,"start":596.835,"end":610.73},{"sentences":[{"text":"Perfect.","start":612.87,"end":613.35,"sentiment":"positive","sentiment_score":0.6935551166534424},{"text":"Perfect.","start":613.35,"end":613.67,"sentiment":"positive","sentiment_score":0.5149664878845215},{"text":"Last couple of details I just wanna check with you is did you end up putting in place, like, a will or power of attorney, state planning wise?","start":613.67,"end":620.33,"sentiment":"neutral","sentiment_score":0.05555350612848997},{"text":"Yep.","start":622.725,"end":623.225,"sentiment":"neutral","sentiment_score":-0.0031766097526997328},{"text":"Yeah.","start":633.46,"end":633.96,"sentiment":"neutral","sentiment_score":-0.03642451390624046}],"sentiment":"neutral","sentiment_score":0.08513808288989821,"num_words":32,"start":612.87,"end":633.96},{"sentences":[{"text":"Might be out of date.","start":637.78,"end":638.9,"sentiment":"neutral","sentiment_score":-0.11882802248001098},{"text":"Yep.","start":638.9,"end":639.4,"sentiment":"neutral","sentiment_score":0.011491799727082253},{"text":"I think their their guidelines are, like, check every three years or so is usually pretty good.","start":642.66003,"end":648.975,"sentiment":"neutral","sentiment_score":0.07601413810077835},{"text":"Power of attorney is really important too, I think, because even even the old $25 kit from the post office can make sure that someone can talk to the doctors and access bank accounts and not have to go to the courts, which is not as fun.","start":650.475,"end":664.02,"sentiment":"neutral","sentiment_score":0.040958011007689414},{"text":"So that might be do.","start":664.16003,"end":665.7,"sentiment":"neutral","sentiment_score":-0.061912355944514275}],"sentiment":"neutral","sentiment_score":0.03100075696905454,"num_words":75,"start":637.78,"end":665.7},{"sentences":[{"text":"Awesome.","start":667.60004,"end":668.10004,"sentiment":"neutral","sentiment_score":0.2794591784477234},{"text":"So addresses still stay the same.","start":668.96,"end":670.64,"sentiment":"neutral","sentiment_score":0.05622966897984346},{"text":"You still have the one dependent.","start":670.64,"end":672.10004,"sentiment":"neutral","sentiment_score":0.028088215738534927},{"text":"Occupation is different.","start":672.64,"end":674.10004,"sentiment":"neutral","sentiment_score":-0.0026055240693191686},{"text":"You guys have never gone through a a bankruptcy or part nine debt agreement before, have you?","start":674.325,"end":678.585,"sentiment":"neutral","sentiment_score":-0.036306903752333974}],"sentiment":"neutral","sentiment_score":0.00485856214425329,"num_words":33,"start":667.60004,"end":678.585},{"sentences":[{"text":"Nope.","start":679.925,"end":680.405,"sentiment":"neutral","sentiment_score":-0.15003085136413574},{"text":"Perfect.","start":680.405,"end":680.905,"sentiment":"neutral","sentiment_score":-0.0644453763961792},{"text":"Yeah.","start":681.765,"end":682.005,"sentiment":"neutral","sentiment_score":-0.10893096774816512},{"text":"It's kind of like a type of bankruptcy, but it's kinda like a payment plan bankruptcy.","start":682.005,"end":686.185,"sentiment":"neutral","sentiment_score":-0.12887094635516405},{"text":"Not as fun.","start":686.565,"end":687.48,"sentiment":"neutral","sentiment_score":-0.14383400976657867}],"sentiment":"neutral","sentiment_score":-0.12803838029503822,"num_words":22,"start":679.925,"end":687.48},{"sentences":[{"text":"Amazing.","start":689.32,"end":689.72,"sentiment":"neutral","sentiment_score":0.09017939865589142},{"text":"So that's pretty much it.","start":689.72,"end":690.83997,"sentiment":"neutral","sentiment_score":0.15223864912986756},{"text":"Is there anything else on the cards for you guys the next three to five years?","start":690.83997,"end":693.98,"sentiment":"neutral","sentiment_score":0.06221017427742481},{"text":"Amazing.","start":698.27997,"end":698.77997,"sentiment":"neutral","sentiment_score":0.3160823583602905},{"text":"I shall note that down.","start":700.055,"end":701.495,"sentiment":"neutral","sentiment_score":-0.013346944376826287}],"sentiment":"neutral","sentiment_score":0.07486010961500662,"num_words":28,"start":689.32,"end":701.495},{"sentences":[{"text":"If you do you have any debt on it, or is it mainly just a clean purchase?","start":701.495,"end":705.275,"sentiment":"neutral","sentiment_score":0.0006094046813600203},{"text":"Okay.","start":707.815,"end":708.21497,"sentiment":"neutral","sentiment_score":0.0020559486001729965},{"text":"And how much would that go for?","start":708.21497,"end":709.915,"sentiment":"neutral","sentiment_score":0.004226791539362499},{"text":"Alright.","start":714.47003,"end":714.79004,"sentiment":"neutral","sentiment_score":0.11393224447965622},{"text":"I'll give the old 75 in the middle.","start":714.79004,"end":717.05,"sentiment":"neutral","sentiment_score":0.08306514006108046}],"sentiment":"neutral","sentiment_score":0.024131080409621492,"num_words":34,"start":701.495,"end":717.05},{"sentences":[{"text":"And I do have to ask you all a important question.","start":717.19,"end":720.31,"sentiment":"neutral","sentiment_score":-0.006182014603506435},{"text":"Are you guys planning to one day caravan around Australia in retirement, or is it more just for, you know, the next ten years?","start":720.31,"end":727.29004,"sentiment":"neutral","sentiment_score":0.011915626469999552},{"text":"Yep.","start":733.725,"end":734.20496,"sentiment":"neutral","sentiment_score":0.1153525933623314},{"text":"Yep.","start":734.20496,"end":734.605,"sentiment":"neutral","sentiment_score":0.2257688939571381},{"text":"Amazing.","start":734.605,"end":735.105,"sentiment":"positive","sentiment_score":0.5348650217056274}],"sentiment":"neutral","sentiment_score":0.02878840483332935,"num_words":38,"start":717.19,"end":735.105},{"sentences":[{"text":"And it's funny because it's a bit of a dream for about half of Australia, which is like, we'll just have the mortgage paid off.","start":735.96497,"end":741.005,"sentiment":"neutral","sentiment_score":0.15908932507038118},{"text":"We'll hop in a caravan.","start":741.005,"end":742.045,"sentiment":"neutral","sentiment_score":0.2062771201133728},{"text":"We'll go around the country.","start":742.045,"end":743.345,"sentiment":"neutral","sentiment_score":0.16259912848472596},{"text":"Hopefully, there's no oil crisis for a lot of people who are acquiring with their caravans because that was probably unforeseen in terms of their retirement goals, but you've still got a bit of time for that to resolve.","start":744.02,"end":754.44,"sentiment":"neutral","sentiment_score":-0.06468571044313602},{"text":"Amazing.","start":756.51495,"end":757.01495,"sentiment":"positive","sentiment_score":0.4410829544067383}],"sentiment":"neutral","sentiment_score":0.04986606155832608,"num_words":75,"start":735.96497,"end":757.01495},{"sentences":[{"text":"When it comes to retirement and super so you can access your super at 60, and that's your preservation age.","start":757.475,"end":763.735,"sentiment":"neutral","sentiment_score":0.2452138677239418},{"text":"And 67 is when the age pension from Centrelink kicks in.","start":764.115,"end":768.77496,"sentiment":"neutral","sentiment_score":0.06510320034894077},{"text":"So it's a bit of a balancing act between working a bit longer and growing your funds towards that age pension age or growing it a bit faster and retiring a bit earlier.","start":769.08,"end":778.62006,"sentiment":"neutral","sentiment_score":0.10742334265149},{"text":"I just wanted to kind of gauge with you what you foresaw for you and your family.","start":778.76,"end":783.02,"sentiment":"neutral","sentiment_score":0.12671357086476157},{"text":"Yep.","start":790.785,"end":791.105,"sentiment":"neutral","sentiment_score":0.09161414206027985}],"sentiment":"neutral","sentiment_score":0.13916009405582416,"num_words":82,"start":757.475,"end":791.105},{"sentences":[{"text":"So as early as possible.","start":791.105,"end":793.76495,"sentiment":"neutral","sentiment_score":0.07334847897291183},{"text":"Amazing.","start":806.8,"end":807.3,"sentiment":"positive","sentiment_score":0.41604018211364746},{"text":"And there's lots of different strategies you can do too, like, when it comes to properties and getting funds into super or supplementing with rental income, transition strategies after 60.","start":819.085,"end":831.33,"sentiment":"neutral","sentiment_score":0.19548905963699023},{"text":"So there's enough things that we can kind of do now, but there's also more coming down the line that can kind of bump you up a little bit too.","start":831.33,"end":837.975,"sentiment":"neutral","sentiment_score":0.14272401283184688},{"text":"For a bit of a joint retirement goal, I just wanted to quickly check base because of your your balance and your income level compared to your partner.","start":840.375,"end":847.995,"sentiment":"neutral","sentiment_score":0.20384191189493453}],"sentiment":"neutral","sentiment_score":0.17698668387342006,"num_words":94,"start":791.105,"end":847.995},{"sentences":[{"text":"I just wanted to briefly discuss what portion of that retirement income do you think you would need to contribute to it?","start":848.21497,"end":855.63,"sentiment":"neutral","sentiment_score":0.10926110636104237},{"text":"Like, do you have an estimate on his super balance and I can kind of do a bit of a work back?","start":855.63,"end":859.81,"sentiment":"neutral","sentiment_score":0.07639761997217481},{"text":"Yeah.","start":866.125,"end":866.625,"sentiment":"neutral","sentiment_score":0.02181283198297024},{"text":"That's okay.","start":875.965,"end":876.86505,"sentiment":"neutral","sentiment_score":0.05784476362168789},{"text":"Yeah.","start":882.94,"end":883.33997,"sentiment":"neutral","sentiment_score":0.13772797584533691}],"sentiment":"neutral","sentiment_score":0.09082754821671794,"num_words":48,"start":848.21497,"end":883.33997},{"sentences":[{"text":"So one thing that we can do is you're in a pretty high growth portfolio, so the whole aim is just kind of catch you up.","start":883.33997,"end":890.45996,"sentiment":"neutral","sentiment_score":0.2622652839009578},{"text":"Get as much returns as possible as you get closer to retirement because, you know, twenty years from now is quite a while to project out.","start":890.45996,"end":898.92505,"sentiment":"neutral","sentiment_score":0.054791502153071076},{"text":"We can refine that joint retirement planning conversation when you get a bit closer, like late fifties.","start":899.22504,"end":905.965,"sentiment":"neutral","sentiment_score":0.0951472698327373},{"text":"If for now the focus is just get as much as possible, we can focus there.","start":907.7,"end":912.76,"sentiment":"neutral","sentiment_score":-0.003321825060993433},{"text":"Absolutely.","start":914.98,"end":915.48,"sentiment":"neutral","sentiment_score":0.11733002215623856}],"sentiment":"neutral","sentiment_score":0.11540884704350732,"num_words":86,"start":883.33997,"end":915.48},{"sentences":[{"text":"And we've got a few a few market cycles, I would sort of say, for you as well.","start":915.7,"end":922.755,"sentiment":"neutral","sentiment_score":0.01788936902044548},{"text":"Like, yes, it's not too far off, but every seven years or so, the market tends to grow for a few years, and then there's some sort of event that makes it crash.","start":922.755,"end":931.33496,"sentiment":"neutral","sentiment_score":-0.06447024643421173},{"text":"COVID, GFC, war in Iran.","start":931.39496,"end":934.45496,"sentiment":"neutral","sentiment_score":-0.054284673929214475},{"text":"And if you repeat that, let's say, fourteen years from now, you've got almost one market cycle to get as much growth as possible.","start":934.915,"end":942.34,"sentiment":"neutral","sentiment_score":-0.018994267952317994},{"text":"You'd probably don't wanna be high risk at the age of 62 and lose half your super to a stock market crash just before retirement.","start":942.72003,"end":949.92,"sentiment":"neutral","sentiment_score":-0.2311334392428398}],"sentiment":"neutral","sentiment_score":-0.0791536311574635,"num_words":105,"start":915.7,"end":949.92},{"sentences":[{"text":"Do you know what I mean?","start":949.92,"end":950.835,"sentiment":"neutral","sentiment_score":-0.06735114008188248},{"text":"So it's like we can grow it for one cycle and then slowly reduce the risk for the second cycle, and that could look like going from 90 to a 100% in growth assets like shares and property, and then gradually trim that down the last seven years, eighty, seventy, 60, 40%, and then there's your pension account in your sixties to live off.","start":952.195,"end":974.25,"sentiment":"neutral","sentiment_score":0.1535836880793795},{"text":"Okay?","start":975.75,"end":976.25,"sentiment":"neutral","sentiment_score":0.09147413820028304},{"text":"So as long as you're okay to go kind of ride through the waves a little bit, use your contributions from work as a bit of a a buy in, bit of a buying opportunity whenever there's a dip, that would be the growth cycle that we're trying to do.","start":976.39,"end":990.39,"sentiment":"neutral","sentiment_score":0.18372438684105874},{"text":"Perfect.","start":992.07,"end":992.47003,"sentiment":"positive","sentiment_score":0.454853355884552}],"sentiment":"neutral","sentiment_score":0.15703111502235054,"num_words":122,"start":949.92,"end":992.47003},{"sentences":[{"text":"Perfect.","start":992.47003,"end":992.97003,"sentiment":"positive","sentiment_score":0.4115696549415589},{"text":"So I'm just having a look at the Netwealth account now.","start":993.11,"end":996.87,"sentiment":"neutral","sentiment_score":0.1053560430353338},{"text":"Have you do you log in every every now and then?","start":996.87,"end":999.19,"sentiment":"neutral","sentiment_score":0.024127349342134865},{"text":"Or No.","start":999.19,"end":1002.80505,"sentiment":"neutral","sentiment_score":-0.06238866690546274},{"text":"It's okay.","start":1002.80505,"end":1003.385,"sentiment":"neutral","sentiment_score":-0.09977471083402634}],"sentiment":"neutral","sentiment_score":0.05598371168943467,"num_words":27,"start":992.47003,"end":1003.385},{"sentences":[{"text":"There's a lot of people that tend to watch it daily and panic themselves every time there's a news article and their super fund shoots up and down a few thousand dollars.","start":1004.325,"end":1013.36505,"sentiment":"neutral","sentiment_score":-0.10787114757113159},{"text":"So I wouldn't go too crazy with it, but a bit of visibility is always nice.","start":1013.36505,"end":1018.10504,"sentiment":"neutral","sentiment_score":0.032807843992486596},{"text":"Now when it comes to the options that you've got, do you recall anything about what you're invested in, risk levels, that kind of thing?","start":1020.28,"end":1027.34,"sentiment":"neutral","sentiment_score":-0.013469418026506901},{"text":"No.","start":1031.975,"end":1032.215,"sentiment":"neutral","sentiment_score":-0.1855948567390442},{"text":"That's okay.","start":1032.215,"end":1032.955,"sentiment":"neutral","sentiment_score":-0.119165800511837}],"sentiment":"neutral","sentiment_score":-0.04852122535291863,"num_words":76,"start":1004.325,"end":1032.955},{"sentences":[{"text":"Yeah.","start":1038.695,"end":1039.095,"sentiment":"neutral","sentiment_score":0.02616039849817753},{"text":"Pretty much everything you've got is a split between international shares, Australian shares, and gold, which is your alternative.","start":1039.095,"end":1046.6201,"sentiment":"neutral","sentiment_score":0.02061606580881696},{"text":"That's your sort of high growth mix at the moment.","start":1047.4,"end":1050.2201,"sentiment":"neutral","sentiment_score":0.20315422862768173},{"text":"Yeah.","start":1052.76,"end":1053.16,"sentiment":"neutral","sentiment_score":-0.021395934745669365},{"text":"There's definitely a few companies in there benefiting from that, but, yeah, a bit of crude oil would be nice to track that price.","start":1053.16,"end":1059.26,"sentiment":"neutral","sentiment_score":0.0370219968414555}],"sentiment":"neutral","sentiment_score":0.060300725901668725,"num_words":55,"start":1038.695,"end":1059.26},{"sentences":[{"text":"Absolutely.","start":1059.7201,"end":1060.2201,"sentiment":"positive","sentiment_score":0.4871481955051422},{"text":"Most of the options have done fantastic.","start":1061.775,"end":1063.635,"sentiment":"positive","sentiment_score":0.6519862498555865},{"text":"Out of the you've got five, six, seven, eight main options.","start":1063.855,"end":1068.675,"sentiment":"neutral","sentiment_score":0.29449945417317475},{"text":"Seven of them have gone up double digits.","start":1070.0951,"end":1072.755,"sentiment":"neutral","sentiment_score":0.1834274111315608},{"text":"So high growth, you're aiming for about 10% or above as an average long term return.","start":1072.8151,"end":1077.63,"sentiment":"neutral","sentiment_score":0.2669710125774145}],"sentiment":"neutral","sentiment_score":0.3262674751323323,"num_words":43,"start":1059.7201,"end":1077.63},{"sentences":[{"text":"You've got gold up 25.","start":1078.33,"end":1080.4299,"sentiment":"neutral","sentiment_score":0.23193131983280182},{"text":"Europe's up 14.","start":1080.73,"end":1081.95,"sentiment":"neutral","sentiment_score":0.08715055882930756},{"text":"Japan's up 21%.","start":1082.65,"end":1084.41,"sentiment":"neutral","sentiment_score":0.08953378101189931},{"text":"Thank you, Japan, for coming back the last couple of years, and your international shares have gone up 11% as well.","start":1084.41,"end":1091.085,"sentiment":"positive","sentiment_score":0.4594224790732066},{"text":"So that's all doing good.","start":1091.725,"end":1093.325,"sentiment":"positive","sentiment_score":0.5619183421134949}],"sentiment":"positive","sentiment_score":0.3823560375619579,"num_words":37,"start":1078.33,"end":1093.325},{"sentences":[{"text":"There was a change that we made to your portfolio.","start":1093.325,"end":1095.4249,"sentiment":"neutral","sentiment_score":0.026387880742549896},{"text":"Did you receive an email from us in the last couple of months?","start":1095.565,"end":1099.565,"sentiment":"neutral","sentiment_score":-0.0069295733880538205},{"text":"Do you remember seeing an email from us?","start":1099.565,"end":1101.505,"sentiment":"neutral","sentiment_score":-0.010770577471703291},{"text":"That's okay.","start":1105.73,"end":1106.45,"sentiment":"neutral","sentiment_score":0.029468560125678778},{"text":"I'll kind of explain what change we made.","start":1106.45,"end":1108.79,"sentiment":"neutral","sentiment_score":0.007145792478695512}],"sentiment":"neutral","sentiment_score":0.004969102285075478,"num_words":41,"start":1093.325,"end":1108.79},{"sentences":[{"text":"Normally, when we go through reviews, we go through all of your options, make sure they're all performing well.","start":1109.49,"end":1115.51,"sentiment":"neutral","sentiment_score":-0.01227224121899589},{"text":"If there's three or four of them that are doing badly, we need to rebalance your whole portfolio.","start":1115.65,"end":1120.915,"sentiment":"neutral","sentiment_score":-0.1632668860256672},{"text":"If it's just one, we tend to track it for a while, and we may do some advice to switch it out if we need to.","start":1121.455,"end":1127.635,"sentiment":"neutral","sentiment_score":-0.044883677879205115},{"text":"What happened in this case was something a little bit more extreme than that.","start":1129.07,"end":1133.15,"sentiment":"neutral","sentiment_score":-0.2560288395200457},{"text":"So your Australian shares option, one of them, had kind of shot off downwards away from the rest of the pack and away from the Australian market.","start":1133.15,"end":1142.43,"sentiment":"negative","sentiment_score":-0.33523600300153095}],"sentiment":"neutral","sentiment_score":-0.1632185383731177,"num_words":104,"start":1109.49,"end":1142.43},{"sentences":[{"text":"So it just started going down, and it wasn't bouncing back in amongst everybody else.","start":1142.43,"end":1147.6951,"sentiment":"neutral","sentiment_score":-0.31969918608665465},{"text":"So on a licensee level, our investment committee made the decision to do a sweeping change across all client accounts rather than wait for us to go through the review, wait for us to update the advice because it was kind of that extreme of a situation.","start":1148.875,"end":1163.61,"sentiment":"neutral","sentiment_score":-0.04906870979577937},{"text":"So what happened was that was dropping at about 11% even though most Aussie funds were up a couple of percent for the year.","start":1165.59,"end":1173.265,"sentiment":"neutral","sentiment_score":-0.22951529982189336},{"text":"And we've since sold out of that pretty recently for you into just a standard a 200 ETF, so much, much lower fees, and it's already bounced back three or 4%.","start":1174.205,"end":1185.505,"sentiment":"neutral","sentiment_score":0.3025706463283108},{"text":"So as far as my view of it, you're still hitting those long term average returns.","start":1187.67,"end":1192.15,"sentiment":"positive","sentiment_score":0.43544112890958786}],"sentiment":"neutral","sentiment_score":0.028095216175219172,"num_words":133,"start":1142.43,"end":1192.15},{"sentences":[{"text":"You're still up a few percent a year even though the stock market's been plummeting.","start":1192.15,"end":1195.61,"sentiment":"neutral","sentiment_score":0.2171231930454572},{"text":"All of the options have now been kind of fixed, and they're all performing the way they should be.","start":1196.39,"end":1202.1951,"sentiment":"neutral","sentiment_score":0.2377113699913025},{"text":"So the only real changes we could consider is, a, putting more contributions in, but, again, cash flow is a bit tight for you at the moment, or changing risk level.","start":1204.415,"end":1215.6799,"sentiment":"neutral","sentiment_score":-0.11122419348647518},{"text":"So I do just need to double check that you're okay for that sort of high growth approach still.","start":1215.6799,"end":1220.1799,"sentiment":"neutral","sentiment_score":-0.009389569174106183},{"text":"Yep.","start":1234.0549,"end":1234.5549,"sentiment":"neutral","sentiment_score":0.009738742373883724}],"sentiment":"neutral","sentiment_score":0.04890295124119696,"num_words":85,"start":1192.15,"end":1234.5549},{"sentences":[{"text":"Now this may help you a little bit, and I'm not trying to kind of steer you in either direction.","start":1238.07,"end":1242.49,"sentiment":"neutral","sentiment_score":-0.014470567181706428},{"text":"But if we're trying to get as much growth out of it as possible, we kind of need to stay high growth and average out the returns until you're closer as long as you're comfortable that it bounces between, oh, what is it, a hundred and hundred and twenty one thousand now.","start":1242.5499,"end":1257.475,"sentiment":"neutral","sentiment_score":0.0661159400613262},{"text":"So a high growth could go down to, like, 90,000 and be one seventy the next year.","start":1257.475,"end":1261.975,"sentiment":"neutral","sentiment_score":0.16742035746574402},{"text":"Yeah.","start":1267.41,"end":1267.73,"sentiment":"neutral","sentiment_score":0.15448570251464844},{"text":"And we can always change it again.","start":1267.73,"end":1269.4299,"sentiment":"neutral","sentiment_score":0.16147533591304505}],"sentiment":"neutral","sentiment_score":0.07504718216884997,"num_words":97,"start":1238.07,"end":1269.4299},{"sentences":[{"text":"The way I would kind of describe the current situation is like, imagine if you bought that investment property.","start":1270.37,"end":1276.3099,"sentiment":"neutral","sentiment_score":-0.04217957685652532},{"text":"You've got the value of it's sitting at 800,000.","start":1277.655,"end":1280.235,"sentiment":"neutral","sentiment_score":-0.10057997331023216},{"text":"If that went down to 600,000, would that be a flag for you to rush off and sell it and crystallize that loss, or would you say, oh, that's a buying opportunity.","start":1280.615,"end":1290.7151,"sentiment":"neutral","sentiment_score":-0.29337274155113846},{"text":"I'll grab two more if you can afford to do so.","start":1290.855,"end":1293.39,"sentiment":"neutral","sentiment_score":-0.04315979541702704},{"text":"Yeah.","start":1295.47,"end":1295.97,"sentiment":"neutral","sentiment_score":0.19705398380756375}],"sentiment":"neutral","sentiment_score":-0.15794810021503103,"num_words":72,"start":1270.37,"end":1295.97},{"sentences":[{"text":"So what we're doing with your contributions is we're just gradually buying all of these companies, gold properties, and so on.","start":1296.11,"end":1302.6901,"sentiment":"neutral","sentiment_score":0.19547388489757264},{"text":"And then when the market bounces back, you get that nice big return on the way up, which could be ten, twenty, 30% up.","start":1302.75,"end":1310.455,"sentiment":"positive","sentiment_score":0.4365868599464496},{"text":"Okay?","start":1312.275,"end":1312.775,"sentiment":"neutral","sentiment_score":0.2837176024913788},{"text":"Outside of that, the insurance is coming out of the account as well.","start":1314.115,"end":1318.995,"sentiment":"neutral","sentiment_score":0.07277533182731041},{"text":"Do you recall your Neos policy?","start":1318.995,"end":1320.775,"sentiment":"neutral","sentiment_score":0.016081237855056923}],"sentiment":"neutral","sentiment_score":0.24475877792216263,"num_words":65,"start":1296.11,"end":1320.775},{"sentences":[{"text":"Yep.","start":1324.6901,"end":1325.1901,"sentiment":"neutral","sentiment_score":0.0763106644153595},{"text":"That's what I wanted to run by you.","start":1334.225,"end":1336.245,"sentiment":"neutral","sentiment_score":-0.023992451839148998},{"text":"$523,006.82 of life insurance and total disability.","start":1337.585,"end":1343.5249,"sentiment":"neutral","sentiment_score":0.09282174387148448},{"text":"So it's just about half a mil plus your your super.","start":1343.745,"end":1347.43,"sentiment":"neutral","sentiment_score":0.14280516654253006},{"text":"So that pretty much covers your mortgage plus another couple 100,000 and your super on top.","start":1347.65,"end":1354.4701,"sentiment":"neutral","sentiment_score":0.20074035320430994}],"sentiment":"neutral","sentiment_score":0.12364711023347322,"num_words":43,"start":1324.6901,"end":1354.4701},{"sentences":[{"text":"Now premium wise, it's actually not too bad considering 49 turning 50.","start":1356.4501,"end":1363.645,"sentiment":"neutral","sentiment_score":0.08361155322442453},{"text":"It's sitting at 20 200.","start":1363.645,"end":1365.265,"sentiment":"neutral","sentiment_score":0.029545698314905167},{"text":"It goes down to $1.08 $9.03 after a 15% rebate because all of those premiums inside Super, they get a tax rebate.","start":1366.685,"end":1373.505,"sentiment":"neutral","sentiment_score":0.14314009029079566},{"text":"That brings it down a little bit.","start":1375.08,"end":1376.78,"sentiment":"neutral","sentiment_score":0.04017624844397817},{"text":"We do have to keep an eye on that because it will increase every year and through the fifties.","start":1376.84,"end":1381.58,"sentiment":"neutral","sentiment_score":-0.0066986622190789175}],"sentiment":"neutral","sentiment_score":0.06852474267093035,"num_words":65,"start":1356.4501,"end":1381.58},{"sentences":[{"text":"If you close your eyes for seven years, it would be six grand before you know it.","start":1382.12,"end":1385.655,"sentiment":"neutral","sentiment_score":-0.23648334820480907},{"text":"So the main thing is as you pay down that mortgage is we will have to trim it down gradually as well.","start":1387.5751,"end":1393.995,"sentiment":"neutral","sentiment_score":0.03166619231077758},{"text":"It wouldn't have too big of a a difference unless you wanted to literally just chop it in half and just make it just in line with your mortgage value, and then that would obviously reduce it by about 45%, save you a thousand bucks.","start":1398.31,"end":1412.49,"sentiment":"neutral","sentiment_score":0.009494430447618166},{"text":"So it really depends on okay.","start":1418.8451,"end":1421.0851,"sentiment":"neutral","sentiment_score":-0.09703941146532695},{"text":"Let's say you can never work again.","start":1421.0851,"end":1423.425,"sentiment":"neutral","sentiment_score":-0.18250379392078944}],"sentiment":"neutral","sentiment_score":-0.04903169427566307,"num_words":97,"start":1382.12,"end":1423.425},{"sentences":[{"text":"Do you want the mortgage cleared off plus a couple of $100 to supplement lost income up until retirement?","start":1423.4851,"end":1429.4299,"sentiment":"neutral","sentiment_score":0.024464769877101247},{"text":"Because that'll cover you for about five, six years of lost income, or do you just wanna clear the debt and let your partner's income cover it?","start":1429.49,"end":1436.87,"sentiment":"neutral","sentiment_score":0.010357221553998965},{"text":"Okay.","start":1444.5449,"end":1445.025,"sentiment":"neutral","sentiment_score":0.08487270772457123},{"text":"That might be the the trick afterwards because you've got policy anniversary in July, and the the figures will change around then as well.","start":1445.025,"end":1454.47,"sentiment":"neutral","sentiment_score":0.06180131474199394},{"text":"Are you okay for me to pencil you in for a catch up around July?","start":1454.6901,"end":1458.87,"sentiment":"neutral","sentiment_score":0.05633649875720342}],"sentiment":"neutral","sentiment_score":0.03671659712224852,"num_words":86,"start":1423.4851,"end":1458.87},{"sentences":[{"text":"That way, once we've got the anniversary premiums, if we need to alter it, it's prorated.","start":1460.93,"end":1465.8301,"sentiment":"neutral","sentiment_score":0.09800426592119038},{"text":"So let's say they take that yearly premium out and we chop it in half and it's only been two days, they'll refund, like, 99% of it.","start":1466.145,"end":1474.245,"sentiment":"neutral","sentiment_score":0.044328927165932126},{"text":"Cool.","start":1476.385,"end":1476.885,"sentiment":"neutral","sentiment_score":0.1994764655828476},{"text":"With your occupation change, I'm just wondering if that affects pricing.","start":1477.745,"end":1481.605,"sentiment":"neutral","sentiment_score":-0.01945802162994038},{"text":"Medical receptionist, pharmacy assistant.","start":1482.44,"end":1484.52,"sentiment":"neutral","sentiment_score":-0.0006678577919956297}],"sentiment":"neutral","sentiment_score":0.04657145906279211,"num_words":59,"start":1460.93,"end":1484.52},{"sentences":[{"text":"No.","start":1484.52,"end":1484.68,"sentiment":"neutral","sentiment_score":-0.09221595525741576},{"text":"I think that would be pretty similar in risk level.","start":1484.68,"end":1487.42,"sentiment":"neutral","sentiment_score":-0.1110319510102272},{"text":"If they bump you up to a manager or something like that, you could potentially get a cheaper premium that way as well.","start":1488.84,"end":1495.125,"sentiment":"neutral","sentiment_score":0.1274633472380431},{"text":"Cool.","start":1496.965,"end":1497.465,"sentiment":"positive","sentiment_score":0.39146190881729126},{"text":"There's no income protection or trauma insurance, I'm assuming.","start":1498.165,"end":1502.265,"sentiment":"neutral","sentiment_score":-0.11753572295937273}],"sentiment":"neutral","sentiment_score":0.024153680074959993,"num_words":44,"start":1484.52,"end":1502.265},{"sentences":[{"text":"I mean, with the casual income, your partner's income is the main one to insure.","start":1504.085,"end":1507.925,"sentiment":"neutral","sentiment_score":0.023559059575200082},{"text":"Would you agree?","start":1507.925,"end":1508.825,"sentiment":"neutral","sentiment_score":0.03255858272314072},{"text":"Yep.","start":1510.96,"end":1511.28,"sentiment":"neutral","sentiment_score":0.07008682191371918},{"text":"And I'm assuming you probably don't want another $5 worth of premiums for some income protection at the moment.","start":1511.28,"end":1516.26,"sentiment":"neutral","sentiment_score":-0.04827095450539338},{"text":"Oh, That's, yeah, that's a bit painful.","start":1520.8,"end":1541.1,"sentiment":"neutral","sentiment_score":-0.3298415541648865}],"sentiment":"neutral","sentiment_score":-0.06010867891212304,"num_words":45,"start":1504.085,"end":1541.1},{"sentences":[{"text":"My main job is to say, hey.","start":1541.4,"end":1542.84,"sentiment":"neutral","sentiment_score":-0.13157063935484206},{"text":"You could have these four insurances.","start":1542.84,"end":1544.62,"sentiment":"neutral","sentiment_score":-0.06785288825631142},{"text":"Are they appropriate?","start":1545.0,"end":1545.98,"sentiment":"neutral","sentiment_score":-0.034624721854925156},{"text":"Yes or no?","start":1546.12,"end":1547.02,"sentiment":"neutral","sentiment_score":-0.06282517934838931},{"text":"For you, life and TPD is.","start":1547.105,"end":1549.025,"sentiment":"neutral","sentiment_score":-0.12296594120562077}],"sentiment":"neutral","sentiment_score":-0.09433028623461723,"num_words":25,"start":1541.4,"end":1549.025},{"sentences":[{"text":"Income protection, not so much.","start":1549.025,"end":1550.645,"sentiment":"neutral","sentiment_score":-0.14521984457969667},{"text":"And it's up to you whether you feel like you can afford to get some trauma insurance out of pocket for heart attack, stroke, and cancer.","start":1552.145,"end":1558.725,"sentiment":"neutral","sentiment_score":-0.08829970213656242},{"text":"You can't fund it through your super.","start":1558.9451,"end":1560.645,"sentiment":"neutral","sentiment_score":-0.140463402228696},{"text":"If you have a heart attack, do you rely on your partner in the public health system, or would you like insurance for that?","start":1561.6799,"end":1567.22,"sentiment":"neutral","sentiment_score":-0.05575269026060899},{"text":"I would say for a standard 100,000 worth of cover, it would probably be around 100 to 200 a month.","start":1574.015,"end":1580.275,"sentiment":"neutral","sentiment_score":-0.02887024898082018}],"sentiment":"neutral","sentiment_score":-0.07220249804781705,"num_words":82,"start":1549.025,"end":1580.275},{"sentences":[{"text":"Yeah.","start":1592.6699,"end":1593.1699,"sentiment":"neutral","sentiment_score":0.04295283555984497},{"text":"Yeah.","start":1610.9401,"end":1611.26,"sentiment":"neutral","sentiment_score":0.022856464609503743},{"text":"No.","start":1611.26,"end":1611.66,"sentiment":"neutral","sentiment_score":0.03471008315682411},{"text":"Totally fine.","start":1611.66,"end":1612.72,"sentiment":"neutral","sentiment_score":0.28036873042583466},{"text":"I am guided by you.","start":1614.38,"end":1615.58,"sentiment":"neutral","sentiment_score":0.3095144271850586}],"sentiment":"neutral","sentiment_score":0.22088289801031352,"num_words":10,"start":1592.6699,"end":1615.58},{"sentences":[{"text":"That is perfect.","start":1615.58,"end":1616.48,"sentiment":"positive","sentiment_score":0.6427465677261353},{"text":"The last thing I was gonna check was just in terms of beneficiaries.","start":1617.66,"end":1620.8,"sentiment":"neutral","sentiment_score":0.051133444819312826},{"text":"I might have to dig into the accounts a bit deeper.","start":1621.34,"end":1625.5249,"sentiment":"neutral","sentiment_score":-0.03584541541270234},{"text":"The certificate of currency for Nios doesn't actually tell me who's listed on there.","start":1625.745,"end":1629.6849,"sentiment":"neutral","sentiment_score":-0.021978181254650866},{"text":"I'm assuming you still want your partner to receive the super and the life insurance.","start":1630.945,"end":1635.505,"sentiment":"neutral","sentiment_score":0.019052826147526503}],"sentiment":"neutral","sentiment_score":0.03887094233817022,"num_words":56,"start":1615.58,"end":1635.505},{"sentences":[{"text":"Is that right?","start":1635.505,"end":1636.23,"sentiment":"neutral","sentiment_score":0.035885242745280266},{"text":"Perfect.","start":1638.23,"end":1638.63,"sentiment":"positive","sentiment_score":0.4279034435749054},{"text":"Perfect.","start":1638.63,"end":1638.95,"sentiment":"positive","sentiment_score":0.3782952427864074},{"text":"So what I'll do is straight after this call, I will send you a message once I've logged in to both accounts just to double check that that's all up to date.","start":1638.95,"end":1648.39,"sentiment":"neutral","sentiment_score":0.11821365146897733},{"text":"If not, we can send you the forms.","start":1648.39,"end":1650.1699,"sentiment":"neutral","sentiment_score":0.019585925503633916}],"sentiment":"neutral","sentiment_score":0.10785285923629999,"num_words":45,"start":1635.505,"end":1650.1699},{"sentences":[{"text":"Perfect.","start":1652.345,"end":1652.845,"sentiment":"positive","sentiment_score":0.34961122274398804},{"text":"Perfect.","start":1652.905,"end":1653.3049,"sentiment":"positive","sentiment_score":0.4069221019744873},{"text":"Perfect.","start":1653.3049,"end":1653.8049,"sentiment":"positive","sentiment_score":0.40894344449043274},{"text":"Now that was a bit of info to throw at you, Nicola, but do you have any questions so far?","start":1654.745,"end":1658.525,"sentiment":"neutral","sentiment_score":0.14572240114212037},{"text":"Okay.","start":1662.6799,"end":1663.08,"sentiment":"neutral","sentiment_score":0.23368188738822937}],"sentiment":"neutral","sentiment_score":0.17973361164331436,"num_words":24,"start":1652.345,"end":1663.08},{"sentences":[{"text":"Are you happy with how everything's going so far since you've been a client?","start":1663.08,"end":1666.44,"sentiment":"neutral","sentiment_score":0.24722217555556977},{"text":"Because you've been a client with us for for quite a while.","start":1666.44,"end":1668.7,"sentiment":"neutral","sentiment_score":0.07330874415735404},{"text":"Yep.","start":1697.91,"end":1698.405,"sentiment":"neutral","sentiment_score":0.06956753879785538},{"text":"That's super fun that just sits in the background.","start":1701.525,"end":1703.865,"sentiment":"neutral","sentiment_score":0.20461644894546932},{"text":"Yeah.","start":1704.3251,"end":1704.8251,"sentiment":"neutral","sentiment_score":0.04374532029032707}],"sentiment":"neutral","sentiment_score":0.17015341316928734,"num_words":37,"start":1663.08,"end":1704.8251},{"sentences":[{"text":"Yeah.","start":1706.885,"end":1707.365,"sentiment":"neutral","sentiment_score":0.16767533123493197},{"text":"Absolutely.","start":1707.365,"end":1707.865,"sentiment":"neutral","sentiment_score":0.3121581971645355},{"text":"My the fun thing for me is just kind of seeing people go through each life stage and kind of being alongside that.","start":1708.405,"end":1714.63,"sentiment":"positive","sentiment_score":0.39005982616673346},{"text":"So, you know, there's some people who have a couple of teenagers and they're investing so they can help with the house deposit.","start":1714.63,"end":1720.65,"sentiment":"neutral","sentiment_score":0.2005226035480914},{"text":"We get to be there when they retire and have their pension accounts go on their first holiday.","start":1721.67,"end":1726.25,"sentiment":"positive","sentiment_score":0.35383933617009056}],"sentiment":"neutral","sentiment_score":0.30958087065003137,"num_words":66,"start":1706.885,"end":1726.25},{"sentences":[{"text":"It's it's pretty fun.","start":1726.31,"end":1727.43,"sentiment":"positive","sentiment_score":0.6548399478197098},{"text":"It's rewarding.","start":1727.43,"end":1728.17,"sentiment":"positive","sentiment_score":0.698355495929718},{"text":"Yeah.","start":1756.215,"end":1756.535,"sentiment":"neutral","sentiment_score":0.09504213184118272},{"text":"And sometimes that can be the biggest help for us.","start":1756.535,"end":1759.015,"sentiment":"neutral","sentiment_score":0.24268608614802362},{"text":"People just kind of they just go through life and life skips by really quickly and not taking a time to just kind of pause, talk about it, look at a few things, and try something.","start":1759.015,"end":1768.5599,"sentiment":"neutral","sentiment_score":-0.010394729596252242}],"sentiment":"neutral","sentiment_score":0.11629742473574742,"num_words":53,"start":1726.31,"end":1768.5599},{"sentences":[{"text":"And sometimes that can be enough to just kind of pivot the direction in the right path, if that makes sense.","start":1768.86,"end":1774.7999,"sentiment":"neutral","sentiment_score":0.26582807799180347},{"text":"Awesome.","start":1776.86,"end":1777.36,"sentiment":"positive","sentiment_score":0.7311421632766724},{"text":"Now with that pack that I've sent you through, it contains a number of documents that are kind of attachments as well as a link as well.","start":1777.5,"end":1785.155,"sentiment":"neutral","sentiment_score":0.17944048759010103},{"text":"So attached, we've got updated financial services guide.","start":1786.3351,"end":1789.7151,"sentiment":"neutral","sentiment_score":0.10921314172446728},{"text":"That's like our licensing details, complaints procedure, what we can advise on.","start":1789.775,"end":1794.3551,"sentiment":"neutral","sentiment_score":0.10830594164629777}],"sentiment":"neutral","sentiment_score":0.19321451303751572,"num_words":69,"start":1768.86,"end":1794.3551},{"sentences":[{"text":"You've got a bit of a Vanguard chart, which just talks about the history of the markets for a bit of a long term view, your certificate of currency for the insurance, your performance for the net wealth, and an overview services guide as well.","start":1795.39,"end":1808.565,"sentiment":"neutral","sentiment_score":0.14665848049852584},{"text":"Now I do have to ask the all important question.","start":1809.9249,"end":1811.9249,"sentiment":"neutral","sentiment_score":0.008736030384898185},{"text":"Are you comfortable for us to remain your advisers for the next twelve months?","start":1811.9249,"end":1815.865,"sentiment":"neutral","sentiment_score":0.0083160808842097},{"text":"Perfect.","start":1817.605,"end":1818.105,"sentiment":"positive","sentiment_score":0.4208762645721435},{"text":"We do have to get your consent on a yearly basis to remain on the accounts.","start":1818.725,"end":1823.1449,"sentiment":"neutral","sentiment_score":0.10696323588490486}],"sentiment":"neutral","sentiment_score":0.10390354764409536,"num_words":86,"start":1795.39,"end":1823.1449},{"sentences":[{"text":"So included in the little blue link is a service agreement, and that has 1.65% of the fees.","start":1823.49,"end":1831.67,"sentiment":"neutral","sentiment_score":0.10500899246997303},{"text":"That's been included in the returns.","start":1831.89,"end":1834.47,"sentiment":"neutral","sentiment_score":0.10780402645468712},{"text":"So, again, net returns after fees.","start":1834.53,"end":1836.79,"sentiment":"neutral","sentiment_score":0.05336561736961206},{"text":"And once you hit 600,000 in your balance, which is the ideal target to get everyone up to that million mark, it does cap when you're at 600,000.","start":1837.105,"end":1846.085,"sentiment":"neutral","sentiment_score":0.2161673987949533},{"text":"K?","start":1847.825,"end":1848.225,"sentiment":"neutral","sentiment_score":0.00942384172230959}],"sentiment":"neutral","sentiment_score":0.1511744192438358,"num_words":59,"start":1823.49,"end":1848.225},{"sentences":[{"text":"Now it may seem like you may never get there, but it you'd be surprised what can happen in those later years where you go from $2.50, 300, and all of a sudden, seven years later, you're sitting at $506,100.","start":1848.225,"end":1859.4501,"sentiment":"neutral","sentiment_score":-0.06880741948261856},{"text":"So it can really compound those last ten years or so.","start":1859.67,"end":1864.125,"sentiment":"neutral","sentiment_score":-0.05592173913663084},{"text":"Okay?","start":1865.725,"end":1866.225,"sentiment":"neutral","sentiment_score":0.0196063295006752},{"text":"I'm just gonna double check if there was anything else in that pack because we've just been updating some details in the new system.","start":1866.605,"end":1874.065,"sentiment":"neutral","sentiment_score":0.016465657933925588},{"text":"So please just bear with me for one quick moment.","start":1874.445,"end":1877.425,"sentiment":"neutral","sentiment_score":0.015933259204030038}],"sentiment":"neutral","sentiment_score":-0.03248047904479642,"num_words":86,"start":1848.225,"end":1877.425},{"sentences":[{"text":"Yes.","start":1880.33,"end":1880.83,"sentiment":"neutral","sentiment_score":0.027065489441156387},{"text":"There is a tax file number opt in form.","start":1880.89,"end":1884.75,"sentiment":"neutral","sentiment_score":0.01924117820130454},{"text":"So with all the cybersecurity issues of last year, we don't wanna hold your all important tax file number in a bunch of digital So this is just a form to say, hey.","start":1885.37,"end":1896.465,"sentiment":"neutral","sentiment_score":-0.0656515768531597},{"text":"Are you comfortable for us to hold it on this one document instead?","start":1896.465,"end":1899.5249,"sentiment":"neutral","sentiment_score":-0.0031274201778265145},{"text":"Because it is such an important identifier for you.","start":1899.825,"end":1902.725,"sentiment":"neutral","sentiment_score":0.0479364273034864}],"sentiment":"neutral","sentiment_score":-0.024238377838180614,"num_words":65,"start":1880.33,"end":1902.725},{"sentences":[{"text":"Cool.","start":1904.465,"end":1904.965,"sentiment":"neutral","sentiment_score":0.1657409965991974},{"text":"Do you have any questions for me before I let you go?","start":1905.1849,"end":1908.21,"sentiment":"neutral","sentiment_score":0.12463023513555527},{"text":"Awesome.","start":1910.45,"end":1910.95,"sentiment":"positive","sentiment_score":0.5618507862091064},{"text":"I if you could, please, that'd be fantastic, and I will link in with the team to book you in around July.","start":1911.4099,"end":1920.39,"sentiment":"neutral","sentiment_score":0.284093249250542},{"text":"I'm actually going on paternity leave.","start":1921.2351,"end":1923.4751,"sentiment":"neutral","sentiment_score":0.1137634739279747}],"sentiment":"neutral","sentiment_score":0.21799492694082714,"num_words":42,"start":1904.465,"end":1923.4751},{"sentences":[{"text":"Got a daughter coming in June.","start":1923.4751,"end":1926.055,"sentiment":"neutral","sentiment_score":0.2328260987997055},{"text":"Thank you.","start":1926.675,"end":1927.155,"sentiment":"neutral","sentiment_score":0.33014120161533356},{"text":"Number three.","start":1927.155,"end":1927.795,"sentiment":"neutral","sentiment_score":0.05916852690279484},{"text":"So I don't know why we went to do that, but, you know, it'll be fun later down the line, I'm sure.","start":1927.795,"end":1933.655,"sentiment":"neutral","sentiment_score":0.047112796286290344},{"text":"And I should be back towards the June.","start":1934.99,"end":1937.3899,"sentiment":"neutral","sentiment_score":0.06679181521758437}],"sentiment":"neutral","sentiment_score":0.09365980224683881,"num_words":40,"start":1923.4751,"end":1937.3899},{"sentences":[{"text":"So as soon as I'm back, I'll get the team to reach out and try and find a time with you.","start":1937.3899,"end":1942.13,"sentiment":"neutral","sentiment_score":0.09847375165138926},{"text":"Awesome.","start":1943.63,"end":1944.11,"sentiment":"positive","sentiment_score":0.33339759707450867},{"text":"If anything pops up in between, please just give us a call.","start":1944.11,"end":1946.865,"sentiment":"neutral","sentiment_score":0.16760286937157312},{"text":"Awesome, Nicola.","start":1948.865,"end":1949.665,"sentiment":"neutral","sentiment_score":0.2578861340880394},{"text":"Thank you so much for your time.","start":1949.665,"end":1950.865,"sentiment":"positive","sentiment_score":0.8022432753017971}],"sentiment":"neutral","sentiment_score":0.24521060487212137,"num_words":43,"start":1937.3899,"end":1950.865},{"sentences":[{"text":"Anything else I can do?","start":1950.865,"end":1952.085,"sentiment":"neutral","sentiment_score":0.2805903613567352},{"text":"Cool.","start":1957.585,"end":1957.825,"sentiment":"positive","sentiment_score":0.486936628818512},{"text":"When you go through to the end, there'll be a pop up if you wanna download a signed copy for your records.","start":1957.825,"end":1962.245,"sentiment":"neutral","sentiment_score":0.21408799426122146},{"text":"Awesome, Nicola.","start":1964.38,"end":1965.18,"sentiment":"positive","sentiment_score":0.8005915582180023},{"text":"Have a fantastic day, and we'll talk soon.","start":1965.18,"end":1967.4401,"sentiment":"positive","sentiment_score":0.6114664971828461}],"sentiment":"positive","sentiment_score":0.3445457737696798,"num_words":38,"start":1950.865,"end":1967.4401},{"sentences":[{"text":"Thank you.","start":1969.66,"end":1970.2201,"sentiment":"positive","sentiment_score":0.6272093653678894},{"text":"Bye.","start":1970.2201,"end":1970.7201,"sentiment":"neutral","sentiment_score":0.321957528591156}],"sentiment":"positive","sentiment_score":0.5254587531089783,"num_words":3,"start":1969.66,"end":1970.7201}]}}]},{"alternatives":[{"transcript":"Hello. This is Nicola. Not too bad. Thank you. And you? I think it's gonna be 29 here today in Adelaide. Yeah. That's it. Yes. That's it. Yep. Yes. Yes. Yep. So it's the 1976, and address is 25 Melbourne Place in Alberton, South Australia 5014. Yes. Mhmm. I've got about an hour. So I'm just popping you on speed. Can you just have a look? Can you hear me? Yes. I can. Yep. Yep. Perfect. All good. K. Okay. Mhmm. Well so my work situation changed. So yeah. Well, no. Not necessarily. It's less less money now. So, yeah, I took a risk and tried something different. Didn't turn out. And now I'm I'm just working, but I'm just it's hassle. So it's less hours than I want at the moment, and that's been since September. So then it was sort of like this plays on my mind with, you know yeah. What what what do I do from here? You know, it's just like, at the moment, the work life balance is great, but obviously then the money is not coming in. But at the same time, work life balance is better. Especially because I'm still, you know, I've got a teenage boy who I need to change to appointments here, there, and everywhere as well. So it's Yeah. They're saying yeah. Yeah. Yep. Well, that's what I was trying to work out, actually, just before you called. I probably should've done this before. But, I mean, at the moment, you know, it's no. I see. It's really tricky. So I started there in, say, September. And so from them, I've only earned 16,000. So yeah. And being casual, then Christmas is off. There's been lots of holidays. Yeah. Yeah. So, essentially, we just don't work, and so we don't earn, which kinda sucks. But yeah. Yeah. Yeah. Yeah. Yep. Just a holiday pay, unfortunately. But anyway yeah. Yeah. Mm-mm. No. But anyway so, yeah, that's the main thing that's changed for me. So yes. Yes. I'm now a medical receptionist. So Trinity Medical Center in Port Adelaide. Yeah. Yeah. Yeah. Definitely. I'm just gonna have a look now. So we did refit it was restructure. So we did have the loans split over two banks. Now we have it just in one. So I'm just having a quick look now. Just bringing that up. Alright. So I need to work out which one's which. Oh, yep. There we go. So on our main residence, we owe 278,000. Yep. Mhmm. And then on the investment property, it's 595. Yep. Yeah. Yeah. Yeah. So I think it was 70 $7.91, I think, the last I checked. I mean, that is just going off of realestate.com. But yeah. I mean, that's always a bit tricky. We haven't had it valued, I guess, since we bought it maybe. I'm I'm not sure. But yeah. 7 91 is what they're estimating it as. Yep. Yeah. Yeah. Yes. Yep. Yes. Yeah. That part is good. Mhmm. Yeah. Well, we're planning on selling the investment property because the way it was structured when we bought it probably wasn't the right way to do it in that we did it fifty fifty. And so I don't actually get any tax benefits because I don't earn enough. So yeah. That's something we need to work out as well. But oh, yeah. Yeah. Like, that's steady as yeah. They pay the rent. They don't. But, yeah, it just means trying to, I guess, sell and then rebuy in this market. Mhmm. Yeah. And to it is. And to do it, so I think get the best benefit, my husband was saying we should probably buy something brand new and then essentially put it in his name, which I'm comfortable doing. Like, I don't have any problems there, but, yeah, I guess it's just yes. It's nice to think that. Mhmm. Okay. I'm just double checking that. I think it was, like, $6.80, but I'm not sure. Are you there? So I thought I might have muted you while I was looking at things. If I go into there, then go. Yeah. So off off the top of my head, I think it's $6.80. So yeah. Just having a quick look if I can find it. Too many emails I need to I need to delete. And yes. Yeah. I'm I'm fine. Yeah. Anyway, I can keep looking while you're talking. Yes. Yes. Yes. Yes. Yeah. Yes. Yeah. And I think I mean, it's probably relative to the area that it's in. Even though the property is saying it's worth that, it's like yeah. But then again, I mean, yeah, I do look, see what's going around there. And it's not bad, but it will probably go up again. Like, they might increase it again. I think it was July that around then that the sort of lease is due to run out. So that's just why I tend to bump it up. Yep. We've got a wheel. I don't know if we've got I don't know who we would have thought the power of attorney. It's like this is but that's we did this, like, probably ten years ago. We did a wheel. So we might need to already look at that as well. Yep. Yep. Alright. I'll pop that down as something to to do. Okay. Yep. Yep. Yep. No. Yep. I'll check that as well. Yep. Yes. Mhmm. Nope. I don't know what that is. So no. Oh, no. No. No. No. And we did buy a caravan, so that's an asset as well. I don't know. Yep. No. We purchased it. Probably about well, between 70 and 80,000. Yep. There you go. Why not? That would be amazing. But, yeah, at the moment, it's just for doing sort of, like, short weekend trips while we can get away. Yeah. Yeah. Yeah. Yeah. Definitely. Yes. Yep. Yep. Okay. Yes. Yes. Okay. Oh, we would definitely I mean, our aim wouldn't be to ultimately, yeah, retire earlier than later. And so yeah. I think my husband yeah. My husband works very, very hard. You know, six days a week, you know, sixty plus, you know, hours a week as well. Yeah. So and he earns decent money, which oh, yeah. So, I mean, yes. Ideally, that's why I guess we, you know, wanna try and get this investment property working better for us. Okay. Okay. That sounds good. Yep. I know it's just it's a lot more than me because I I am gonna have my child and work part time for a while. Oh, gosh. I can't think off the top of my head. Yeah. It's something that I can ask him, but, yeah, he could share. But, I mean, I'd say it's over 300,000. Yes. Mhmm. Yes. Yep. Yep. Yep. Well, that's not too far off. Yes. Yep. Yeah. Yes. Yes. Mhmm. Yep. Yes. Mhmm. Yep. Yep. Absolutely. Mhmm. Yep. Mhmm. Yep. Okay. Yep. Yep. Yes. Yep. Mhmm. Yep. Yeah. Not not as much as I should. I did a raise of less. Oh, wow. Yes. Mhmm. I no. Exactly. Yeah. I think it was yeah. Like, at higher risk at the moment. Yep. Yeah. Could Yep. Okay. Yeah. I pity it was an oil. Yeah. Yeah. Mhmm. Yeah. Not off the top of my head. I can have a look. Oh, yep. Yes. Gotcha. Yes. Yep. Yep. Yep. Yep. Yes. No. That's good. Mhmm. Yep. Mhmm. Yep. Okay. Yeah. Okay. Mhmm. Yep. Yep. It's hard to say. Yeah. It's a gamble, isn't it, really? I mean, because I well, I'm turning 50 this year. So yeah. Hard to say. Yeah. Yeah. So yeah. Yes. Okay. You know that stuff. Yes. Okay. Yep. Alright. Let let's leave it for now, and then that's why we have these annual reviews. Yep. Yes. That would be more the case. For sure. Definitely. Mhmm. Yep. Yep. Yep. Sounds good. Yep. Yes. So I know I've got that there. So yes. Whether that's still, I guess, relevant, like, the the amount that it's there for or whether that can be dropped down. Yes. Yep. Yep. Mhmm. Yeah. Okay. Which book? Mhmm. Okay. Yep. Yeah. I get older. Yeah. Yes. Yep. Mhmm. Mhmm. Yes. Yep. Is it worth doing that? Yep. Okay. Gotcha. Yep. Yeah. Possibly. Yes. Mhmm. Yes. Maybe we'll leave it for another year and then we'll see. Well, yeah, we'll keep an eye on it. We'll leave it over this then. Yep. Mhmm. Yeah. Yeah. Yeah. Absolutely. Yep. Yep. Mhmm. Yep. Yes. Gotcha. Yeah. No. That sounds good. Yep. I would imagine. Yeah. Okay. Yes. Yes. Without a doubt. No. That's how I got done when I was with Rest. And I was paying income protection, and then I went on the 10 early lead. They went back part time. And it just all stayed the same because, you know, that's not where my head was at. And so I went from playing. Yeah. And it was just so much money went down the drain. Yep. No. Mhmm. No. Mm-mm. Yep. I guess what is what would the cost be? Okay. Yeah. I'd not at this stage. I don't see I mean, yes. Look. Ideally, love it. We'd love to put that on there and cover it. But yeah. Another 100 to 200 a month out of what I earn is yeah. I mean, all that money goes in together anyway, but, yes, I think we'll just try and get this house paid off. Yeah. So that would make a difference. Yeah. Mhmm. Mhmm. Okay. Yes. Sure. Yep. Okay. Mhmm. No. So yeah. Sounding all good at the moment. Yeah. Yeah. It's been quite some time. And, yes, I mean, the market has, yeah, been hit hard, I guess, with, like you mentioned, due to COVID and all of that. And it was so yeah. But it's definitely I feel like my soup has grown. Definitely in comparison to where I had it prior. And you guys definitely do seem to yeah. You're more invested in your clients than, you know, those big bulk, you know, ones that tend to just yeah. You're just a number. Yeah. Yeah. Yeah. Yeah. So that is good. Yeah. For sure. I mean, when I think about what we've done since I have joined you guys, you know, we we went to Italy for a month. We did that. We've, you know, yes, reduced our mortgage. We bought a caravan. We've probably yeah. We've got a new car. So yeah. There's yeah. Few things we've done. So and, you know, which you don't necessarily always think about until, you know, it's a situation like this when you're going over it. Yeah. Yeah. Yep. Absolutely. Yes. I see them. Yep. Mhmm. Yep. Mhmm. Okay. Yep. Yes. Mhmm. Mhmm. Yep. Mhmm. Yeah. Yeah. Yeah. Yeah. Okay. Yep. Yep. Okay. Mhmm. Mhmm. No. Sure. Yep. Sure. Okay. Yep. Nice. Other than I just need to sign this machine. Mhmm. Yeah. Oh, congratulations. Oh, wow. Yep. Mhmm. Okay. Yes. Mhmm. No worries. Alright. No. Nope. That's alright. I'm signing it. It's loading right now. So, actually, that will go through shortly. Okay. Fantastic. Thank you. Alright. You too. All the best. Thank you. Bye bye.","confidence":0.9790039,"words":[{"word":"hello","start":1.28,"end":1.5999999,"confidence":0.96362305,"punctuated_word":"Hello.","sentiment":"neutral","sentiment_score":0.03953630104660988},{"word":"this","start":1.5999999,"end":1.8399999,"confidence":1.0,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.04728988930583},{"word":"is","start":1.8399999,"end":1.92,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03739946708083153},{"word":"nicola","start":1.92,"end":2.42,"confidence":0.9863281,"punctuated_word":"Nicola.","sentiment":"neutral","sentiment_score":0.050832923501729965},{"word":"not","start":7.8399997,"end":8.08,"confidence":0.9375,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.29544827342033386},{"word":"too","start":8.08,"end":8.24,"confidence":0.99902344,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.1667201817035675},{"word":"bad","start":8.24,"end":8.48,"confidence":0.99853516,"punctuated_word":"bad.","sentiment":"neutral","sentiment_score":0.2766251564025879},{"word":"thank","start":8.48,"end":8.639999,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5194540023803711},{"word":"you","start":8.639999,"end":8.8,"confidence":0.9719238,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4025230705738067},{"word":"and","start":8.8,"end":8.96,"confidence":0.98535156,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.25295498967170715},{"word":"you","start":8.96,"end":9.46,"confidence":0.9790039,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.29688793420791626},{"word":"i","start":14.945,"end":15.1050005,"confidence":0.6123047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05080833658576012},{"word":"think","start":15.1050005,"end":15.185,"confidence":0.98291016,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.029392270371317863},{"word":"it's","start":15.185,"end":15.345,"confidence":0.9580078,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.029399611055850983},{"word":"gonna","start":15.345,"end":15.585,"confidence":0.9770508,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.024627717211842537},{"word":"be","start":15.585,"end":15.745,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0383172370493412},{"word":"29","start":15.745,"end":16.305,"confidence":0.9633789,"punctuated_word":"29","sentiment":"neutral","sentiment_score":0.03855025768280029},{"word":"here","start":16.305,"end":16.465,"confidence":0.9667969,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.03246986120939255},{"word":"today","start":16.465,"end":16.785,"confidence":0.9980469,"punctuated_word":"today","sentiment":"neutral","sentiment_score":0.033625196665525436},{"word":"in","start":16.785,"end":16.945,"confidence":0.9604492,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.043237462639808655},{"word":"adelaide","start":16.945,"end":17.445,"confidence":0.99609375,"punctuated_word":"Adelaide.","sentiment":"neutral","sentiment_score":0.05689205229282379},{"word":"yeah","start":18.865,"end":19.145,"confidence":0.8918457,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04579094797372818},{"word":"that's","start":19.145,"end":19.425,"confidence":0.66833496,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.03789957985281944},{"word":"it","start":19.425,"end":19.925,"confidence":0.9975586,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.03388845920562744},{"word":"yes","start":21.425,"end":21.904999,"confidence":0.8535156,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0545341819524765},{"word":"that's","start":21.904999,"end":22.225,"confidence":0.9680176,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07664388418197632},{"word":"it","start":22.225,"end":22.725,"confidence":0.9995117,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.12486306577920914},{"word":"yep","start":23.265,"end":23.765,"confidence":0.80615234,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1934560239315033},{"word":"yes","start":26.269999,"end":26.769999,"confidence":0.9946289,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.114575557410717},{"word":"yes","start":34.75,"end":35.25,"confidence":0.76831055,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.09163843095302582},{"word":"yep","start":47.255,"end":47.575,"confidence":0.751709,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.032022520899772644},{"word":"so","start":47.575,"end":47.895,"confidence":0.9160156,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.023490529507398605},{"word":"it's","start":47.895,"end":48.135002,"confidence":0.9970703,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.022969797253608704},{"word":"the","start":48.135002,"end":48.295,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.035337209701538086},{"word":"1976","start":48.295,"end":50.855,"confidence":0.88809204,"punctuated_word":"1976,","sentiment":"neutral","sentiment_score":0.030429281294345856},{"word":"and","start":50.855,"end":51.175,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.030900800600647926},{"word":"address","start":51.175,"end":51.575,"confidence":0.9243164,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.032777685672044754},{"word":"is","start":51.575,"end":52.075,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03217179328203201},{"word":"25","start":52.31,"end":52.79,"confidence":1.0,"punctuated_word":"25","sentiment":"neutral","sentiment_score":0.03769955039024353},{"word":"melbourne","start":52.79,"end":53.19,"confidence":0.9921875,"punctuated_word":"Melbourne","sentiment":"neutral","sentiment_score":0.06528821587562561},{"word":"place","start":53.19,"end":53.51,"confidence":0.9980469,"punctuated_word":"Place","sentiment":"neutral","sentiment_score":0.04941733926534653},{"word":"in","start":53.51,"end":53.75,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.046587537974119186},{"word":"alberton","start":53.75,"end":54.23,"confidence":0.94555664,"punctuated_word":"Alberton,","sentiment":"neutral","sentiment_score":0.050761885941028595},{"word":"south","start":54.23,"end":54.55,"confidence":1.0,"punctuated_word":"South","sentiment":"neutral","sentiment_score":0.05439871922135353},{"word":"australia","start":54.55,"end":55.03,"confidence":0.9980469,"punctuated_word":"Australia","sentiment":"neutral","sentiment_score":0.057666417211294174},{"word":"5014","start":55.03,"end":56.25,"confidence":0.98999023,"punctuated_word":"5014.","sentiment":"neutral","sentiment_score":0.062092944979667664},{"word":"yes","start":65.11,"end":65.475,"confidence":0.9177246,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.14981192350387573},{"word":"mhmm","start":72.195,"end":72.695,"confidence":0.97998047,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0274585485458374},{"word":"i've","start":79.38,"end":79.619995,"confidence":0.97314453,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.005100619979202747},{"word":"got","start":79.619995,"end":79.78,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0052214860916137695},{"word":"about","start":79.78,"end":80.1,"confidence":0.9951172,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0013253986835479736},{"word":"an","start":80.1,"end":80.34,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.0043383873999118805},{"word":"hour","start":80.34,"end":80.84,"confidence":0.86450195,"punctuated_word":"hour.","sentiment":"neutral","sentiment_score":0.005313717294484377},{"word":"so","start":82.899994,"end":83.299995,"confidence":0.984375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.017264682799577713},{"word":"i'm","start":83.299995,"end":83.53999,"confidence":0.98999023,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.015677588060498238},{"word":"just","start":83.53999,"end":83.78,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.029646700248122215},{"word":"popping","start":83.78,"end":84.02,"confidence":0.9526367,"punctuated_word":"popping","sentiment":"neutral","sentiment_score":0.034582365304231644},{"word":"you","start":84.02,"end":84.18,"confidence":0.93408203,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02454568631947041},{"word":"on","start":84.18,"end":84.42,"confidence":0.9863281,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.033244937658309937},{"word":"speed","start":84.42,"end":84.92,"confidence":0.66503906,"punctuated_word":"speed.","sentiment":"neutral","sentiment_score":0.029017511755228043},{"word":"can","start":85.06,"end":85.17999,"confidence":0.44604492,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.01581050083041191},{"word":"you","start":85.17999,"end":85.299995,"confidence":0.7519531,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.017291579395532608},{"word":"just","start":85.299995,"end":85.46,"confidence":0.5649414,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.02374543622136116},{"word":"have","start":85.46,"end":85.619995,"confidence":0.9941406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.016855211928486824},{"word":"a","start":85.619995,"end":85.7,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.014423116110265257},{"word":"look","start":85.7,"end":86.2,"confidence":0.9279785,"punctuated_word":"look?","sentiment":"neutral","sentiment_score":0.0054694777354598045},{"word":"can","start":86.899994,"end":87.21999,"confidence":0.9760742,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":-0.004164461046457291},{"word":"you","start":87.21999,"end":87.299995,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.004051981493830681},{"word":"hear","start":87.299995,"end":87.53999,"confidence":0.99902344,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":-0.0003816727548837662},{"word":"me","start":87.53999,"end":88.03999,"confidence":1.0,"punctuated_word":"me?","sentiment":"neutral","sentiment_score":0.0019397977739572525},{"word":"yes","start":88.74,"end":89.06,"confidence":0.92993164,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0444130040705204},{"word":"i","start":89.06,"end":89.14,"confidence":0.9326172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05368361994624138},{"word":"can","start":89.14,"end":89.64,"confidence":0.94506836,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":0.037629663944244385},{"word":"yep","start":90.82,"end":91.14,"confidence":0.8691406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.026022538542747498},{"word":"yep","start":91.14,"end":91.38,"confidence":0.9121094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05812988802790642},{"word":"perfect","start":91.38,"end":91.88,"confidence":0.99316406,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.18491777777671817},{"word":"all","start":92.579994,"end":92.74,"confidence":0.96972656,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.2485342174768448},{"word":"good","start":92.74,"end":93.075,"confidence":0.99902344,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.21636593341827393},{"word":"k","start":95.075,"end":95.575,"confidence":0.8156738,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.08742683380842209},{"word":"okay","start":105.55499,"end":106.05499,"confidence":0.9716797,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.018517712131142616},{"word":"mhmm","start":120.345,"end":120.845,"confidence":0.9022217,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.007214161567389965},{"word":"well","start":124.985,"end":125.305,"confidence":0.8730469,"punctuated_word":"Well","sentiment":"neutral","sentiment_score":0.08762689679861069},{"word":"so","start":125.384995,"end":125.625,"confidence":0.98095703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.16919927299022677},{"word":"my","start":125.625,"end":125.865,"confidence":0.9941406,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.2820459306240082},{"word":"work","start":125.865,"end":126.345,"confidence":0.9291992,"punctuated_word":"work","sentiment":"positive","sentiment_score":0.33456170558929443},{"word":"situation","start":126.345,"end":126.845,"confidence":0.75439453,"punctuated_word":"situation","sentiment":"neutral","sentiment_score":0.29274895787239075},{"word":"changed","start":126.985,"end":127.485,"confidence":0.85791016,"punctuated_word":"changed.","sentiment":"positive","sentiment_score":0.4378662705421448},{"word":"so","start":129.22499,"end":129.72499,"confidence":0.94189453,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.7472096681594849},{"word":"yeah","start":130.105,"end":130.505,"confidence":0.97265625,"punctuated_word":"yeah.","sentiment":"positive","sentiment_score":0.39418327808380127},{"word":"well","start":130.505,"end":130.825,"confidence":0.90722656,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.05126979574561119},{"word":"no","start":130.825,"end":131.325,"confidence":0.92211914,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.0403873547911644},{"word":"not","start":131.545,"end":131.785,"confidence":0.9707031,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.1400940716266632},{"word":"necessarily","start":131.785,"end":132.285,"confidence":0.9926758,"punctuated_word":"necessarily.","sentiment":"neutral","sentiment_score":-0.09303081780672072},{"word":"it's","start":132.825,"end":133.22499,"confidence":0.9790039,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.058611996471881866},{"word":"less","start":133.22499,"end":133.72499,"confidence":0.7836914,"punctuated_word":"less","sentiment":"neutral","sentiment_score":-0.250262051820755},{"word":"less","start":134.08,"end":134.4,"confidence":0.99902344,"punctuated_word":"less","sentiment":"negative","sentiment_score":-0.3857435882091522},{"word":"money","start":134.4,"end":134.72,"confidence":1.0,"punctuated_word":"money","sentiment":"negative","sentiment_score":-0.3702676296234131},{"word":"now","start":134.72,"end":135.22,"confidence":0.99365234,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.32207190990448},{"word":"so","start":136.0,"end":136.31999,"confidence":0.7763672,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.2017650455236435},{"word":"yeah","start":136.31999,"end":136.56,"confidence":0.97924805,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.20891067385673523},{"word":"i","start":136.56,"end":136.64,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.25835785269737244},{"word":"took","start":136.64,"end":136.88,"confidence":1.0,"punctuated_word":"took","sentiment":"neutral","sentiment_score":-0.2894543409347534},{"word":"a","start":136.88,"end":136.95999,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2866988778114319},{"word":"risk","start":136.95999,"end":137.28,"confidence":0.99902344,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.25277402997016907},{"word":"and","start":137.28,"end":137.44,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.30956965684890747},{"word":"tried","start":137.44,"end":137.68,"confidence":0.9892578,"punctuated_word":"tried","sentiment":"neutral","sentiment_score":-0.31980443000793457},{"word":"something","start":137.68,"end":138.08,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.261928915977478},{"word":"different","start":138.08,"end":138.48,"confidence":0.810791,"punctuated_word":"different.","sentiment":"neutral","sentiment_score":-0.265668660402298},{"word":"didn't","start":138.48,"end":138.8,"confidence":0.8586426,"punctuated_word":"Didn't","sentiment":"neutral","sentiment_score":-0.27467069029808044},{"word":"turn","start":138.8,"end":139.04,"confidence":0.9472656,"punctuated_word":"turn","sentiment":"neutral","sentiment_score":-0.17393866181373596},{"word":"out","start":139.04,"end":139.54,"confidence":0.8835449,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.1752949059009552},{"word":"and","start":139.84,"end":140.08,"confidence":0.9941406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.10265080630779266},{"word":"now","start":140.08,"end":140.23999,"confidence":0.99609375,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.08980356901884079},{"word":"i'm","start":140.23999,"end":140.48,"confidence":0.95825195,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.06162595748901367},{"word":"i'm","start":140.48,"end":140.72,"confidence":0.9802246,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.04243487864732742},{"word":"just","start":140.72,"end":140.95999,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.04226860776543617},{"word":"working","start":140.95999,"end":141.28,"confidence":0.92163086,"punctuated_word":"working,","sentiment":"neutral","sentiment_score":-0.02324458211660385},{"word":"but","start":141.28,"end":141.44,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.06666173040866852},{"word":"i'm","start":141.44,"end":141.52,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.11372266709804536},{"word":"just","start":141.52,"end":141.76,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.13188958168029785},{"word":"it's","start":141.84,"end":142.08,"confidence":0.9794922,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.1932158321142197},{"word":"hassle","start":142.08,"end":142.58,"confidence":0.6221924,"punctuated_word":"hassle.","sentiment":"neutral","sentiment_score":-0.12865634262561798},{"word":"so","start":142.88,"end":143.12,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.07496327906847},{"word":"it's","start":143.12,"end":143.36,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.0480397455394268},{"word":"less","start":143.36,"end":143.59999,"confidence":0.99902344,"punctuated_word":"less","sentiment":"neutral","sentiment_score":-0.062038905918598175},{"word":"hours","start":143.59999,"end":144.0,"confidence":0.99609375,"punctuated_word":"hours","sentiment":"neutral","sentiment_score":-0.06270064413547516},{"word":"than","start":144.0,"end":144.23999,"confidence":0.87890625,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.05685638636350632},{"word":"i","start":144.23999,"end":144.31999,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09902364760637283},{"word":"want","start":144.31999,"end":144.81999,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.0640416070818901},{"word":"at","start":145.04,"end":145.28,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.10313639044761658},{"word":"the","start":145.28,"end":145.36,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08025979995727539},{"word":"moment","start":145.36,"end":145.86,"confidence":0.875,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.05090194195508957},{"word":"and","start":146.495,"end":146.815,"confidence":0.9770508,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0378279834985733},{"word":"that's","start":146.815,"end":147.135,"confidence":0.99560547,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.02631865069270134},{"word":"been","start":147.135,"end":147.635,"confidence":0.9863281,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.02402498573064804},{"word":"since","start":147.855,"end":148.255,"confidence":0.98828125,"punctuated_word":"since","sentiment":"neutral","sentiment_score":-0.021247204393148426},{"word":"september","start":148.255,"end":148.755,"confidence":0.9995117,"punctuated_word":"September.","sentiment":"neutral","sentiment_score":-0.031682565808296204},{"word":"so","start":149.055,"end":149.215,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.02460531145334244},{"word":"then","start":149.215,"end":149.535,"confidence":0.9506836,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.005349542945623398},{"word":"it","start":149.535,"end":149.61499,"confidence":0.8330078,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.024071846157312393},{"word":"was","start":149.61499,"end":149.775,"confidence":0.61816406,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.029578275978565216},{"word":"sort","start":149.775,"end":150.015,"confidence":0.91015625,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.04938536882400513},{"word":"of","start":150.015,"end":150.175,"confidence":0.97314453,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04832332581281662},{"word":"like","start":150.175,"end":150.33499,"confidence":0.72314453,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.031048454344272617},{"word":"this","start":150.33499,"end":150.575,"confidence":0.5830078,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.04177111387252808},{"word":"plays","start":150.575,"end":150.895,"confidence":0.6933594,"punctuated_word":"plays","sentiment":"neutral","sentiment_score":-0.0699215829372406},{"word":"on","start":150.895,"end":151.055,"confidence":0.9873047,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.04634268954396248},{"word":"my","start":151.055,"end":151.215,"confidence":0.9980469,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.04351517930626869},{"word":"mind","start":151.215,"end":151.535,"confidence":1.0,"punctuated_word":"mind","sentiment":"neutral","sentiment_score":-0.03822295367717743},{"word":"with","start":151.535,"end":151.855,"confidence":0.9304199,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":-0.0675477385520935},{"word":"you","start":151.855,"end":152.015,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08621478825807571},{"word":"know","start":152.015,"end":152.515,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.0978870540857315},{"word":"yeah","start":154.255,"end":154.755,"confidence":0.9719238,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.08453232795000076},{"word":"what","start":155.135,"end":155.375,"confidence":0.9970703,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.09853721410036088},{"word":"what","start":155.375,"end":155.69499,"confidence":0.98095703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.1408880203962326},{"word":"what","start":155.69499,"end":155.855,"confidence":0.9902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.1320979744195938},{"word":"do","start":155.855,"end":156.015,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.10547865182161333},{"word":"i","start":156.015,"end":156.175,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05548153445124626},{"word":"do","start":156.175,"end":156.415,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.06665574014186859},{"word":"from","start":156.415,"end":156.735,"confidence":0.7480469,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.04417821392416954},{"word":"here","start":156.735,"end":156.97499,"confidence":0.890625,"punctuated_word":"here?","sentiment":"neutral","sentiment_score":-0.040395237505435944},{"word":"you","start":156.97499,"end":157.135,"confidence":0.9951172,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.05560418963432312},{"word":"know","start":157.135,"end":157.375,"confidence":0.83569336,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.04931376501917839},{"word":"it's","start":157.375,"end":157.61499,"confidence":0.99609375,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.042361658066511154},{"word":"just","start":157.61499,"end":157.935,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06336956471204758},{"word":"like","start":157.935,"end":158.435,"confidence":0.6916504,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.006575319916009903},{"word":"at","start":158.65001,"end":158.89,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.03237538784742355},{"word":"the","start":158.89,"end":158.97,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04395351558923721},{"word":"moment","start":158.97,"end":159.47,"confidence":0.9628906,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.010974016040563583},{"word":"the","start":159.69,"end":159.93001,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.031160756945610046},{"word":"work","start":159.93001,"end":160.33,"confidence":0.9970703,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.005196474492549896},{"word":"life","start":160.33,"end":160.65001,"confidence":0.65722656,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.05126895010471344},{"word":"balance","start":160.65001,"end":161.05,"confidence":0.9980469,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":-0.010105669498443604},{"word":"is","start":161.05,"end":161.29001,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05332328379154205},{"word":"great","start":161.29001,"end":161.61,"confidence":0.85546875,"punctuated_word":"great,","sentiment":"neutral","sentiment_score":0.1089104861021042},{"word":"but","start":161.61,"end":161.85,"confidence":0.98828125,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.028587281703948975},{"word":"obviously","start":161.85,"end":162.33,"confidence":0.5336914,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.12451554834842682},{"word":"then","start":162.33,"end":162.65001,"confidence":0.51220703,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.06364243477582932},{"word":"the","start":162.65001,"end":162.81,"confidence":0.8251953,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10524100065231325},{"word":"money","start":162.81,"end":163.05,"confidence":0.9863281,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.0688612163066864},{"word":"is","start":163.05,"end":163.21,"confidence":0.8935547,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.16765408217906952},{"word":"not","start":163.21,"end":163.37001,"confidence":0.9941406,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.18359608948230743},{"word":"coming","start":163.37001,"end":163.69,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":-0.1813337504863739},{"word":"in","start":163.69,"end":163.93001,"confidence":0.923584,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":-0.0995713472366333},{"word":"but","start":163.93001,"end":164.25,"confidence":0.99609375,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.0035525262355804443},{"word":"at","start":164.25,"end":164.49,"confidence":0.9375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.009917274117469788},{"word":"the","start":164.49,"end":164.57,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.012377776205539703},{"word":"same","start":164.57,"end":164.73001,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.057792678475379944},{"word":"time","start":164.73001,"end":165.23001,"confidence":0.9675293,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.09320634603500366},{"word":"work","start":166.33,"end":166.57,"confidence":0.9658203,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.11596810817718506},{"word":"life","start":166.57,"end":166.81,"confidence":0.95703125,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.13148288428783417},{"word":"balance","start":166.81,"end":167.13,"confidence":0.9892578,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.0997496098279953},{"word":"is","start":167.13,"end":167.21,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09911489486694336},{"word":"better","start":167.21,"end":167.71,"confidence":0.72216797,"punctuated_word":"better.","sentiment":"neutral","sentiment_score":0.04032498598098755},{"word":"especially","start":168.01001,"end":168.41,"confidence":0.9316406,"punctuated_word":"Especially","sentiment":"neutral","sentiment_score":-0.0195082426071167},{"word":"because","start":168.41,"end":168.65001,"confidence":0.7705078,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.020349666476249695},{"word":"i'm","start":168.65001,"end":168.81,"confidence":0.9980469,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.021489236503839493},{"word":"still","start":168.81,"end":169.31,"confidence":0.80371094,"punctuated_word":"still,","sentiment":"neutral","sentiment_score":-0.03453243523836136},{"word":"you","start":169.45001,"end":169.61,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04602885991334915},{"word":"know","start":169.61,"end":170.11,"confidence":0.77246094,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.037568844854831696},{"word":"i've","start":170.25,"end":170.41,"confidence":0.9453125,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.03776870295405388},{"word":"got","start":170.41,"end":170.57,"confidence":0.99316406,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.03524836152791977},{"word":"a","start":170.57,"end":170.73001,"confidence":0.9819336,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.014154523611068726},{"word":"teenage","start":170.73001,"end":171.13,"confidence":0.9980469,"punctuated_word":"teenage","sentiment":"neutral","sentiment_score":-0.02243148535490036},{"word":"boy","start":171.13,"end":171.45001,"confidence":0.99316406,"punctuated_word":"boy","sentiment":"neutral","sentiment_score":-0.006162375211715698},{"word":"who","start":171.45001,"end":171.61,"confidence":0.98291016,"punctuated_word":"who","sentiment":"neutral","sentiment_score":-0.023931428790092468},{"word":"i","start":171.61,"end":171.69,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08400613069534302},{"word":"need","start":171.69,"end":171.93001,"confidence":0.9921875,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.052373915910720825},{"word":"to","start":171.93001,"end":172.01001,"confidence":0.98535156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05940910428762436},{"word":"change","start":172.01001,"end":172.25,"confidence":0.5102539,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.017921343445777893},{"word":"to","start":172.25,"end":172.33,"confidence":0.3005371,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.015348747372627258},{"word":"appointments","start":172.33,"end":172.83,"confidence":0.9838867,"punctuated_word":"appointments","sentiment":"neutral","sentiment_score":-0.02907039225101471},{"word":"here","start":172.89,"end":173.13,"confidence":0.9213867,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":-0.04394567012786865},{"word":"there","start":173.13,"end":173.29001,"confidence":0.91845703,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.03025856427848339},{"word":"and","start":173.29001,"end":173.45001,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02450964972376823},{"word":"everywhere","start":173.45001,"end":173.95001,"confidence":1.0,"punctuated_word":"everywhere","sentiment":"neutral","sentiment_score":0.0032069645822048187},{"word":"as","start":173.985,"end":174.225,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.007373854517936707},{"word":"well","start":174.225,"end":174.60501,"confidence":0.9367676,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.010386962443590164},{"word":"so","start":174.60501,"end":174.985,"confidence":0.80078125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0143336970359087},{"word":"it's","start":174.985,"end":175.36499,"confidence":0.6895752,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.020077519118785855},{"word":"yeah","start":175.745,"end":176.245,"confidence":0.7832031,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.017213821411132812},{"word":"they're","start":176.945,"end":177.185,"confidence":0.7102051,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":0.0006689423462375998},{"word":"saying","start":177.185,"end":177.665,"confidence":0.9921875,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":0.0017087645828723907},{"word":"yeah","start":177.745,"end":178.145,"confidence":0.96972656,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.01871240884065628},{"word":"yeah","start":178.145,"end":178.645,"confidence":0.98535156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06519901752471924},{"word":"yep","start":178.865,"end":179.365,"confidence":0.97631836,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.19734466075897217},{"word":"well","start":187.67,"end":187.83,"confidence":0.920166,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.03030097857117653},{"word":"that's","start":187.83,"end":187.91,"confidence":0.98217773,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.04094655066728592},{"word":"what","start":187.91,"end":187.98999,"confidence":0.8183594,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.08385899662971497},{"word":"i","start":187.98999,"end":188.26999,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07122278213500977},{"word":"was","start":188.26999,"end":188.55,"confidence":0.71875,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.07957282662391663},{"word":"trying","start":188.55,"end":188.79,"confidence":0.9863281,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.06865983456373215},{"word":"to","start":188.79,"end":188.95,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06771869957447052},{"word":"work","start":188.95,"end":189.19,"confidence":0.8911133,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.07658350467681885},{"word":"out","start":189.19,"end":189.43,"confidence":0.6824951,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":-0.05686584487557411},{"word":"actually","start":189.43,"end":189.75,"confidence":0.9699707,"punctuated_word":"actually,","sentiment":"neutral","sentiment_score":-0.04679987579584122},{"word":"just","start":189.75,"end":189.91,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.03000611811876297},{"word":"before","start":189.91,"end":190.41,"confidence":0.99902344,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.02906481921672821},{"word":"you","start":191.03,"end":191.26999,"confidence":0.9716797,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.019605953246355057},{"word":"called","start":191.26999,"end":191.76999,"confidence":0.9638672,"punctuated_word":"called.","sentiment":"neutral","sentiment_score":-0.044183239340782166},{"word":"i","start":192.23,"end":192.39,"confidence":0.7397461,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11270704865455627},{"word":"probably","start":192.39,"end":192.62999,"confidence":0.9707031,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.15384526550769806},{"word":"should've","start":192.62999,"end":192.95,"confidence":0.73742676,"punctuated_word":"should've","sentiment":"neutral","sentiment_score":-0.0999726504087448},{"word":"done","start":192.95,"end":193.11,"confidence":0.9633789,"punctuated_word":"done","sentiment":"neutral","sentiment_score":-0.09889771044254304},{"word":"this","start":193.11,"end":193.43,"confidence":0.97314453,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.10830607265233994},{"word":"before","start":193.43,"end":193.93,"confidence":0.85180664,"punctuated_word":"before.","sentiment":"neutral","sentiment_score":-0.08610200136899948},{"word":"but","start":193.98999,"end":194.23,"confidence":0.8466797,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.1502091884613037},{"word":"i","start":194.23,"end":194.39,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15325161814689636},{"word":"mean","start":194.39,"end":194.79,"confidence":0.99902344,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.16323617100715637},{"word":"at","start":194.79,"end":195.26999,"confidence":0.9589844,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.21053382754325867},{"word":"the","start":195.26999,"end":195.51,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.18960008025169373},{"word":"moment","start":195.51,"end":196.01,"confidence":0.9152832,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.20145505666732788},{"word":"you","start":196.15,"end":196.23,"confidence":0.70996094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.20146875083446503},{"word":"know","start":196.23,"end":196.31,"confidence":0.96435547,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.1928868442773819},{"word":"it's","start":196.31,"end":196.79,"confidence":0.99316406,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.19488625228405},{"word":"no","start":196.87,"end":197.03,"confidence":0.7949219,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.19767802953720093},{"word":"i","start":197.03,"end":197.11,"confidence":0.48583984,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1757698804140091},{"word":"see","start":197.11,"end":197.34999,"confidence":0.7307129,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":-0.18114209175109863},{"word":"it's","start":197.34999,"end":197.51,"confidence":0.99853516,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.2749704420566559},{"word":"really","start":197.51,"end":197.75,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.3269375264644623},{"word":"tricky","start":197.75,"end":198.25,"confidence":0.9995117,"punctuated_word":"tricky.","sentiment":"neutral","sentiment_score":-0.24270880222320557},{"word":"so","start":198.39,"end":198.62999,"confidence":0.99121094,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.11788638681173325},{"word":"i","start":198.62999,"end":198.79,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1239096000790596},{"word":"started","start":198.79,"end":199.29,"confidence":0.99121094,"punctuated_word":"started","sentiment":"neutral","sentiment_score":-0.14495128393173218},{"word":"there","start":199.34999,"end":199.59,"confidence":0.9770508,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.13325992226600647},{"word":"in","start":199.59,"end":199.91,"confidence":0.9538574,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":-0.1426571011543274},{"word":"say","start":199.91,"end":200.31,"confidence":0.98657227,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.11921411752700806},{"word":"september","start":200.31,"end":200.81,"confidence":0.78759766,"punctuated_word":"September.","sentiment":"neutral","sentiment_score":-0.08868492394685745},{"word":"and","start":202.475,"end":202.795,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.07908433675765991},{"word":"so","start":202.795,"end":203.115,"confidence":0.9550781,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.09689465165138245},{"word":"from","start":203.115,"end":203.355,"confidence":0.9863281,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.13411635160446167},{"word":"them","start":203.355,"end":203.595,"confidence":0.9133301,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":-0.1251330524682999},{"word":"i've","start":203.595,"end":203.835,"confidence":0.9941406,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.1302744597196579},{"word":"only","start":203.835,"end":204.155,"confidence":0.99902344,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.18370366096496585},{"word":"earned","start":204.155,"end":204.655,"confidence":0.9633789,"punctuated_word":"earned","sentiment":"neutral","sentiment_score":-0.14947843551635742},{"word":"16,000","start":205.115,"end":206.175,"confidence":0.9749756,"punctuated_word":"16,000.","sentiment":"neutral","sentiment_score":-0.11088256537914276},{"word":"so","start":206.315,"end":206.715,"confidence":0.9667969,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.11247261613607408},{"word":"yeah","start":206.955,"end":207.455,"confidence":0.9970703,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.09157969057559968},{"word":"and","start":208.235,"end":208.395,"confidence":0.55615234,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.09213410317897797},{"word":"being","start":208.395,"end":208.715,"confidence":0.99609375,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.1387101113796234},{"word":"casual","start":208.715,"end":209.215,"confidence":0.91015625,"punctuated_word":"casual,","sentiment":"neutral","sentiment_score":-0.12957525253295898},{"word":"then","start":209.835,"end":210.155,"confidence":0.68066406,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.16370514035224917},{"word":"christmas","start":210.155,"end":210.655,"confidence":0.92333984,"punctuated_word":"Christmas","sentiment":"neutral","sentiment_score":-0.23039554059505463},{"word":"is","start":210.715,"end":210.955,"confidence":0.9453125,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2423339486122131},{"word":"off","start":210.955,"end":211.355,"confidence":0.89208984,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":-0.1784386932849884},{"word":"there's","start":211.355,"end":211.595,"confidence":0.982666,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.1842455118894577},{"word":"been","start":211.595,"end":211.835,"confidence":0.9760742,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.20714198052883148},{"word":"lots","start":211.835,"end":212.075,"confidence":0.94384766,"punctuated_word":"lots","sentiment":"neutral","sentiment_score":-0.1808486431837082},{"word":"of","start":212.075,"end":212.235,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.21479551494121552},{"word":"holidays","start":212.235,"end":212.735,"confidence":0.9946289,"punctuated_word":"holidays.","sentiment":"neutral","sentiment_score":-0.16637665033340454},{"word":"yeah","start":213.595,"end":213.91501,"confidence":0.91186523,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06573675572872162},{"word":"yeah","start":213.91501,"end":214.075,"confidence":0.95532227,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07285255193710327},{"word":"so","start":214.075,"end":214.315,"confidence":0.74194336,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.11356504261493684},{"word":"essentially","start":214.315,"end":214.715,"confidence":0.99853516,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":-0.14053745567798617},{"word":"we","start":214.715,"end":214.875,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.1780107319355011},{"word":"just","start":214.875,"end":215.115,"confidence":0.9873047,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.16939426958560944},{"word":"don't","start":215.115,"end":215.355,"confidence":0.9909668,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1688660979270935},{"word":"work","start":215.355,"end":215.595,"confidence":0.685791,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":-0.19177916646003723},{"word":"and","start":215.595,"end":215.755,"confidence":0.61083984,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.18910561501979828},{"word":"so","start":215.755,"end":215.91501,"confidence":0.984375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.2181767374277115},{"word":"we","start":215.91501,"end":216.075,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.2298941016197205},{"word":"don't","start":216.075,"end":216.315,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.2191961705684662},{"word":"earn","start":216.315,"end":216.815,"confidence":0.8300781,"punctuated_word":"earn,","sentiment":"neutral","sentiment_score":-0.24553948640823364},{"word":"which","start":218.34,"end":218.66,"confidence":0.9970703,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.32691407203674316},{"word":"kinda","start":218.66,"end":218.98,"confidence":0.7758789,"punctuated_word":"kinda","sentiment":"negative","sentiment_score":-0.4286801815032959},{"word":"sucks","start":218.98,"end":219.38,"confidence":0.875,"punctuated_word":"sucks.","sentiment":"negative","sentiment_score":-0.3824235796928406},{"word":"but","start":219.38,"end":219.88,"confidence":0.98535156,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.10928401350975037},{"word":"yeah","start":220.5,"end":221.0,"confidence":0.9746094,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.09124831855297089},{"word":"yeah","start":224.9,"end":225.4,"confidence":0.7241211,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02806985378265381},{"word":"yeah","start":231.14,"end":231.64,"confidence":0.88012695,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.011387095786631107},{"word":"yeah","start":233.285,"end":233.785,"confidence":0.9416504,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.021671239286661148},{"word":"yep","start":236.645,"end":237.145,"confidence":0.7470703,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.014447366818785667},{"word":"just","start":237.60501,"end":237.845,"confidence":0.9404297,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.07240235805511475},{"word":"a","start":237.845,"end":238.005,"confidence":0.50683594,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0595572367310524},{"word":"holiday","start":238.005,"end":238.405,"confidence":0.9980469,"punctuated_word":"holiday","sentiment":"neutral","sentiment_score":-0.0814468041062355},{"word":"pay","start":238.405,"end":238.725,"confidence":0.9230957,"punctuated_word":"pay,","sentiment":"neutral","sentiment_score":-0.1148356795310974},{"word":"unfortunately","start":238.725,"end":239.225,"confidence":0.876709,"punctuated_word":"unfortunately.","sentiment":"neutral","sentiment_score":-0.1384446769952774},{"word":"but","start":239.60501,"end":239.925,"confidence":0.96875,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.06597664207220078},{"word":"anyway","start":239.925,"end":240.425,"confidence":0.61083984,"punctuated_word":"anyway","sentiment":"neutral","sentiment_score":-0.03938451036810875},{"word":"yeah","start":240.96501,"end":241.46501,"confidence":0.7437744,"punctuated_word":"yeah.","sentiment":"negative","sentiment_score":-0.4571453928947449},{"word":"yeah","start":242.645,"end":243.145,"confidence":0.74401855,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.18722444772720337},{"word":"mm-mm","start":246.005,"end":246.505,"confidence":0.87597656,"punctuated_word":"Mm-mm.","sentiment":"neutral","sentiment_score":-0.027278512716293335},{"word":"no","start":247.125,"end":247.625,"confidence":0.94799805,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06658422946929932},{"word":"but","start":248.37001,"end":248.61,"confidence":0.98291016,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.022617977112531665},{"word":"anyway","start":248.61,"end":248.93001,"confidence":0.7675781,"punctuated_word":"anyway","sentiment":"neutral","sentiment_score":-0.010900981724262238},{"word":"so","start":249.01001,"end":249.17,"confidence":0.8010254,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":-0.004932302050292492},{"word":"yeah","start":249.17,"end":249.33,"confidence":0.984375,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.003031538799405098},{"word":"that's","start":249.33,"end":249.57,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.0093621164560318},{"word":"the","start":249.57,"end":249.73001,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.022203363478183743},{"word":"main","start":249.73001,"end":249.97,"confidence":0.99902344,"punctuated_word":"main","sentiment":"neutral","sentiment_score":-0.014938045293092728},{"word":"thing","start":249.97,"end":250.21,"confidence":0.9970703,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.00009077787399291992},{"word":"that's","start":250.21,"end":250.53,"confidence":0.74658203,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.006486545316874981},{"word":"changed","start":250.53,"end":251.03,"confidence":0.9790039,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":0.001439206302165985},{"word":"for","start":251.17,"end":251.41,"confidence":0.8720703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.033124975860118866},{"word":"me","start":251.41,"end":251.81,"confidence":0.9628906,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":-0.023393062874674797},{"word":"so","start":251.81,"end":252.31,"confidence":0.96972656,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.006653910502791405},{"word":"yes","start":252.69,"end":253.19,"confidence":0.7783203,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.008965636603534222},{"word":"yes","start":254.93001,"end":255.33,"confidence":0.7805176,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.024478860199451447},{"word":"i'm","start":255.33,"end":255.57,"confidence":0.7722168,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.02453642711043358},{"word":"now","start":255.57,"end":255.81,"confidence":0.9980469,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.02942446991801262},{"word":"a","start":255.81,"end":255.89,"confidence":0.73876953,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.030263833701610565},{"word":"medical","start":255.89,"end":256.29,"confidence":0.99316406,"punctuated_word":"medical","sentiment":"neutral","sentiment_score":0.02283427305519581},{"word":"receptionist","start":256.29,"end":256.79,"confidence":0.9916992,"punctuated_word":"receptionist.","sentiment":"neutral","sentiment_score":0.0360441729426384},{"word":"so","start":260.735,"end":261.055,"confidence":0.49609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.029309969395399097},{"word":"trinity","start":261.055,"end":261.555,"confidence":0.9819336,"punctuated_word":"Trinity","sentiment":"neutral","sentiment_score":0.03724145144224167},{"word":"medical","start":261.695,"end":262.175,"confidence":0.9951172,"punctuated_word":"Medical","sentiment":"neutral","sentiment_score":0.027033774182200432},{"word":"center","start":262.175,"end":262.675,"confidence":0.89208984,"punctuated_word":"Center","sentiment":"neutral","sentiment_score":0.055415768176317215},{"word":"in","start":262.975,"end":263.215,"confidence":0.98535156,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.032632406800985336},{"word":"port","start":263.215,"end":263.535,"confidence":0.9970703,"punctuated_word":"Port","sentiment":"neutral","sentiment_score":0.041678085923194885},{"word":"adelaide","start":263.535,"end":264.035,"confidence":0.99194336,"punctuated_word":"Adelaide.","sentiment":"neutral","sentiment_score":0.036603644490242},{"word":"yeah","start":276.90002,"end":277.40002,"confidence":0.75024414,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12273485958576202},{"word":"yeah","start":278.1,"end":278.42,"confidence":0.8881836,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13066516816616058},{"word":"yeah","start":278.42,"end":278.92,"confidence":0.77734375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17162367701530457},{"word":"definitely","start":279.54,"end":280.04,"confidence":0.85058594,"punctuated_word":"Definitely.","sentiment":"neutral","sentiment_score":0.22742049396038055},{"word":"i'm","start":282.02002,"end":282.26,"confidence":0.8666992,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1084854006767273},{"word":"just","start":282.26,"end":282.42,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0942172035574913},{"word":"gonna","start":282.42,"end":282.66,"confidence":0.9741211,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.11450803279876708},{"word":"have","start":282.66,"end":282.82,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1213313639163971},{"word":"a","start":282.82,"end":282.90002,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12970919907093048},{"word":"look","start":282.90002,"end":283.14,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.08831708133220673},{"word":"now","start":283.14,"end":283.46002,"confidence":0.9914551,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.11323381960391998},{"word":"so","start":283.46002,"end":283.7,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0803082287311554},{"word":"we","start":283.7,"end":283.94,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08891849964857101},{"word":"did","start":283.94,"end":284.44,"confidence":0.9970703,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.1115197166800499},{"word":"refit","start":285.14,"end":285.62,"confidence":0.26797485,"punctuated_word":"refit","sentiment":"neutral","sentiment_score":0.0797349140048027},{"word":"it","start":285.7,"end":285.78,"confidence":0.4038086,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06829220056533813},{"word":"was","start":285.78,"end":286.26,"confidence":0.9873047,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.08219894021749496},{"word":"restructure","start":286.26,"end":286.76,"confidence":0.8224284,"punctuated_word":"restructure.","sentiment":"neutral","sentiment_score":0.08521959185600281},{"word":"so","start":287.595,"end":287.83502,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07084912061691284},{"word":"we","start":287.83502,"end":288.075,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07718919962644577},{"word":"did","start":288.075,"end":288.39502,"confidence":0.97998047,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.08745811134576797},{"word":"have","start":288.39502,"end":288.55502,"confidence":0.9951172,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08070489019155502},{"word":"the","start":288.55502,"end":288.715,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06687278300523758},{"word":"loans","start":288.715,"end":289.195,"confidence":0.5805664,"punctuated_word":"loans","sentiment":"neutral","sentiment_score":0.03166566044092178},{"word":"split","start":289.195,"end":289.515,"confidence":0.88427734,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.029540227726101875},{"word":"over","start":289.515,"end":290.015,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.03113483637571335},{"word":"two","start":290.23502,"end":290.475,"confidence":0.9838867,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.018506519496440887},{"word":"banks","start":290.475,"end":290.975,"confidence":0.9550781,"punctuated_word":"banks.","sentiment":"neutral","sentiment_score":0.0249402467161417},{"word":"now","start":291.67502,"end":291.99503,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.0384175106883049},{"word":"we","start":291.99503,"end":292.155,"confidence":0.96875,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05085629224777222},{"word":"have","start":292.155,"end":292.315,"confidence":0.9838867,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04892221838235855},{"word":"it","start":292.315,"end":292.55502,"confidence":0.7036133,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04615155607461929},{"word":"just","start":292.55502,"end":292.875,"confidence":0.9536133,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03334452956914902},{"word":"in","start":292.875,"end":293.035,"confidence":0.9941406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.038009971380233765},{"word":"one","start":293.035,"end":293.535,"confidence":0.99072266,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.032058097422122955},{"word":"so","start":294.795,"end":295.295,"confidence":0.98535156,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04644332453608513},{"word":"i'm","start":295.435,"end":295.67502,"confidence":0.89868164,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.043656088411808014},{"word":"just","start":295.67502,"end":295.83502,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.037221599370241165},{"word":"having","start":295.83502,"end":296.155,"confidence":0.9667969,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.02845841273665428},{"word":"a","start":296.155,"end":296.23502,"confidence":0.9863281,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06458161026239395},{"word":"quick","start":296.23502,"end":296.475,"confidence":0.9760742,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.07479570060968399},{"word":"look","start":296.475,"end":296.795,"confidence":0.99121094,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.045820772647857666},{"word":"now","start":296.795,"end":297.295,"confidence":0.9086914,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.05158517509698868},{"word":"just","start":298.475,"end":298.715,"confidence":0.94921875,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.038905806839466095},{"word":"bringing","start":298.715,"end":299.11502,"confidence":0.5625,"punctuated_word":"bringing","sentiment":"neutral","sentiment_score":0.021777622401714325},{"word":"that","start":299.11502,"end":299.355,"confidence":0.9760742,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.022407446056604385},{"word":"up","start":299.355,"end":299.67,"confidence":0.99658203,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.03150087967514992},{"word":"alright","start":300.95,"end":301.45,"confidence":0.9980469,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.05198237299919128},{"word":"so","start":301.75,"end":302.25,"confidence":0.8881836,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03529665619134903},{"word":"i","start":304.07,"end":304.23,"confidence":0.97509766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03400954231619835},{"word":"need","start":304.23,"end":304.47,"confidence":0.9980469,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.03287991136312485},{"word":"to","start":304.47,"end":304.55002,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.025860778987407684},{"word":"work","start":304.55002,"end":304.79,"confidence":0.9760742,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.02821502462029457},{"word":"out","start":304.79,"end":304.95,"confidence":0.99316406,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.02207236550748348},{"word":"which","start":304.95,"end":305.11002,"confidence":0.99609375,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.01321331039071083},{"word":"one's","start":305.11002,"end":305.35,"confidence":0.76000977,"punctuated_word":"one's","sentiment":"neutral","sentiment_score":0.006410338915884495},{"word":"which","start":305.35,"end":305.83002,"confidence":0.8322754,"punctuated_word":"which.","sentiment":"neutral","sentiment_score":0.0270688496530056},{"word":"oh","start":305.83002,"end":305.99002,"confidence":0.7910156,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.031085792928934097},{"word":"yep","start":305.99002,"end":306.15002,"confidence":0.9876302,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.021457886323332787},{"word":"there","start":306.15002,"end":306.31003,"confidence":0.9970703,"punctuated_word":"There","sentiment":"neutral","sentiment_score":0.02453579194843769},{"word":"we","start":306.31003,"end":306.55002,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.020375028252601624},{"word":"go","start":306.55002,"end":306.87003,"confidence":0.9995117,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.031711727380752563},{"word":"so","start":306.87003,"end":307.27002,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.022856131196022034},{"word":"on","start":307.27002,"end":307.77002,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.024380506947636604},{"word":"our","start":307.99002,"end":308.49002,"confidence":0.9941406,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.030791111290454865},{"word":"main","start":308.55002,"end":308.95,"confidence":0.9951172,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.03977020084857941},{"word":"residence","start":308.95,"end":309.45,"confidence":0.9621582,"punctuated_word":"residence,","sentiment":"neutral","sentiment_score":0.020302457734942436},{"word":"we","start":310.15002,"end":310.65002,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.02111632376909256},{"word":"owe","start":310.71002,"end":311.19,"confidence":0.74365234,"punctuated_word":"owe","sentiment":"neutral","sentiment_score":0.013614795170724392},{"word":"278,000","start":311.19,"end":312.97,"confidence":0.9947917,"punctuated_word":"278,000.","sentiment":"neutral","sentiment_score":0.019451210275292397},{"word":"yep","start":319.35498,"end":319.85498,"confidence":0.86328125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06983507424592972},{"word":"mhmm","start":320.395,"end":320.63498,"confidence":0.8898926,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.043868646025657654},{"word":"and","start":320.63498,"end":320.875,"confidence":0.99316406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.034283347427845},{"word":"then","start":320.875,"end":321.375,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.035691142082214355},{"word":"on","start":321.51498,"end":321.755,"confidence":0.97998047,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03863383084535599},{"word":"the","start":321.755,"end":322.255,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04158639907836914},{"word":"investment","start":323.35498,"end":323.85498,"confidence":0.92822266,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.030409909784793857},{"word":"property","start":323.995,"end":324.495,"confidence":0.9770508,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.03685280680656433},{"word":"it's","start":325.195,"end":325.695,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.037354711443185806},{"word":"595","start":325.755,"end":327.375,"confidence":0.96669924,"punctuated_word":"595.","sentiment":"neutral","sentiment_score":0.043458472937345505},{"word":"yep","start":331.5,"end":331.82,"confidence":0.8901367,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04808051139116287},{"word":"yeah","start":331.82,"end":332.32,"confidence":0.8984375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03921893239021301},{"word":"yeah","start":337.98,"end":338.48,"confidence":0.82592773,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.013113722205162048},{"word":"yeah","start":338.86002,"end":339.36002,"confidence":0.8869629,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.001440633088350296},{"word":"so","start":339.58002,"end":339.74002,"confidence":0.7758789,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0055513642728328705},{"word":"i","start":339.74002,"end":340.065,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.000785529613494873},{"word":"think","start":340.145,"end":340.385,"confidence":0.9819336,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.001796703785657883},{"word":"it","start":340.385,"end":340.545,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.013643763959407806},{"word":"was","start":340.545,"end":340.785,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.00991658866405487},{"word":"70","start":340.785,"end":341.285,"confidence":0.7817383,"punctuated_word":"70","sentiment":"neutral","sentiment_score":-0.0012595206499099731},{"word":"$7.91","start":341.505,"end":342.625,"confidence":0.9523926,"punctuated_word":"$7.91,","sentiment":"neutral","sentiment_score":0.004333040677011013},{"word":"i","start":342.625,"end":342.785,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0020428039133548737},{"word":"think","start":342.785,"end":343.025,"confidence":0.92041016,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":0.002310546115040779},{"word":"the","start":343.025,"end":343.265,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.019434981048107147},{"word":"last","start":343.265,"end":343.765,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.014628160744905472},{"word":"i","start":344.465,"end":344.70502,"confidence":0.8256836,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02076968178153038},{"word":"checked","start":344.70502,"end":345.20502,"confidence":0.9733887,"punctuated_word":"checked.","sentiment":"neutral","sentiment_score":-0.005945980548858643},{"word":"i","start":345.425,"end":345.585,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02083057537674904},{"word":"mean","start":345.585,"end":345.745,"confidence":0.98291016,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.026370089501142505},{"word":"that","start":345.745,"end":346.065,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03580193594098091},{"word":"is","start":346.065,"end":346.385,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.022010087966918945},{"word":"just","start":346.385,"end":346.625,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.03340647742152214},{"word":"going","start":346.625,"end":346.945,"confidence":0.99316406,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.018140699714422222},{"word":"off","start":346.945,"end":347.105,"confidence":0.9941406,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.024514134973287582},{"word":"of","start":347.105,"end":347.605,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.039559777826070786},{"word":"realestate.com","start":347.825,"end":350.385,"confidence":0.8098755,"punctuated_word":"realestate.com.","sentiment":"neutral","sentiment_score":-0.02861635945737362},{"word":"but","start":350.385,"end":350.665,"confidence":0.9941406,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.07499449700117111},{"word":"yeah","start":350.945,"end":351.425,"confidence":0.88378906,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.09420256316661836},{"word":"i","start":351.425,"end":351.505,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12034258246421814},{"word":"mean","start":351.505,"end":351.745,"confidence":0.9875488,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.1238354593515396},{"word":"that's","start":351.745,"end":351.98502,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.1678045392036438},{"word":"always","start":351.98502,"end":352.185,"confidence":0.9892578,"punctuated_word":"always","sentiment":"neutral","sentiment_score":-0.1892135888338089},{"word":"a","start":352.185,"end":352.385,"confidence":0.91015625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2068568766117096},{"word":"bit","start":352.385,"end":352.70502,"confidence":0.97509766,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.2441973090171814},{"word":"tricky","start":352.70502,"end":353.025,"confidence":0.7529297,"punctuated_word":"tricky.","sentiment":"neutral","sentiment_score":-0.20469409227371216},{"word":"we","start":353.025,"end":353.185,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.14610785245895386},{"word":"haven't","start":353.185,"end":353.505,"confidence":1.0,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.1419702172279358},{"word":"had","start":353.505,"end":353.745,"confidence":0.9970703,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.18786941468715668},{"word":"it","start":353.745,"end":354.24,"confidence":0.9326172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1356264054775238},{"word":"valued","start":354.56,"end":355.03998,"confidence":0.9772949,"punctuated_word":"valued,","sentiment":"neutral","sentiment_score":-0.17951291799545288},{"word":"i","start":355.03998,"end":355.19998,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1313759982585907},{"word":"guess","start":355.19998,"end":355.68,"confidence":0.98583984,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":-0.1411929726600647},{"word":"since","start":355.68,"end":356.08,"confidence":1.0,"punctuated_word":"since","sentiment":"neutral","sentiment_score":-0.15906547009944916},{"word":"we","start":356.08,"end":356.31998,"confidence":0.9902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.08807891607284546},{"word":"bought","start":356.31998,"end":356.56,"confidence":0.9902344,"punctuated_word":"bought","sentiment":"neutral","sentiment_score":-0.0689084604382515},{"word":"it","start":356.56,"end":356.63998,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1120174005627632},{"word":"maybe","start":356.63998,"end":356.96,"confidence":0.7158203,"punctuated_word":"maybe.","sentiment":"neutral","sentiment_score":-0.07030060142278671},{"word":"i'm","start":356.96,"end":357.28,"confidence":0.9724121,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.058793794363737106},{"word":"i'm","start":357.28,"end":357.36,"confidence":0.8269043,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.06392686069011688},{"word":"not","start":357.36,"end":357.44,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.07229750603437424},{"word":"sure","start":357.44,"end":357.94,"confidence":0.9941406,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":-0.09861242771148682},{"word":"but","start":358.47998,"end":358.56,"confidence":0.96435547,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.05353532359004021},{"word":"yeah","start":358.63998,"end":358.88,"confidence":0.7636719,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.02683192491531372},{"word":"7","start":358.88,"end":359.19998,"confidence":0.9951172,"punctuated_word":"7","sentiment":"neutral","sentiment_score":-0.003319369163364172},{"word":"91","start":359.19998,"end":360.08,"confidence":0.9980469,"punctuated_word":"91","sentiment":"neutral","sentiment_score":-0.0014908886514604092},{"word":"is","start":360.08,"end":360.58,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.00012524984776973724},{"word":"what","start":361.19998,"end":361.59998,"confidence":0.6816406,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.0022063041105866432},{"word":"they're","start":361.59998,"end":361.91998,"confidence":0.93969727,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.005308408290147781},{"word":"estimating","start":361.91998,"end":362.41998,"confidence":0.99902344,"punctuated_word":"estimating","sentiment":"neutral","sentiment_score":0.006858586799353361},{"word":"it","start":362.56,"end":362.8,"confidence":0.6230469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.010176734067499638},{"word":"as","start":362.8,"end":363.3,"confidence":0.8051758,"punctuated_word":"as.","sentiment":"neutral","sentiment_score":0.007044156547635794},{"word":"yep","start":371.375,"end":371.875,"confidence":0.8977051,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12820324301719666},{"word":"yeah","start":380.095,"end":380.575,"confidence":0.85913086,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09603096544742584},{"word":"yeah","start":380.575,"end":381.075,"confidence":0.82250977,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03707452118396759},{"word":"yes","start":381.855,"end":382.32,"confidence":0.99316406,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.12316592037677764},{"word":"yep","start":382.56,"end":383.06,"confidence":0.9230957,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1764739751815796},{"word":"yes","start":386.24002,"end":386.74002,"confidence":0.8564453,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2824803292751312},{"word":"yeah","start":386.96002,"end":387.28,"confidence":0.967041,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.4050358533859253},{"word":"that","start":387.28,"end":387.52002,"confidence":0.9941406,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.5155583620071411},{"word":"part","start":387.52002,"end":387.76,"confidence":0.9526367,"punctuated_word":"part","sentiment":"positive","sentiment_score":0.5694969296455383},{"word":"is","start":387.76,"end":387.92,"confidence":0.9970703,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5754470229148865},{"word":"good","start":387.92,"end":388.32,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.46412181854248047},{"word":"mhmm","start":388.32,"end":388.82,"confidence":0.895874,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.07730110734701157},{"word":"yeah","start":394.32,"end":394.72,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.004820187576115131},{"word":"well","start":394.72,"end":394.96002,"confidence":0.9855957,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.02446725033223629},{"word":"we're","start":394.96002,"end":395.46002,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.045496851205825806},{"word":"planning","start":395.6,"end":396.1,"confidence":1.0,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":-0.047462500631809235},{"word":"on","start":396.16,"end":396.48,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.05969981476664543},{"word":"selling","start":396.48,"end":396.98,"confidence":1.0,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":-0.08565345406532288},{"word":"the","start":397.465,"end":397.54498,"confidence":0.97314453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.054720453917980194},{"word":"investment","start":397.54498,"end":398.04498,"confidence":0.9970703,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.0342523492872715},{"word":"property","start":398.185,"end":398.685,"confidence":1.0,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.024548601359128952},{"word":"because","start":399.145,"end":399.465,"confidence":0.8203125,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.06492665410041809},{"word":"the","start":399.465,"end":399.625,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09283201396465302},{"word":"way","start":399.625,"end":399.865,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.09491559863090517},{"word":"it","start":399.865,"end":399.945,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.11472567170858385},{"word":"was","start":399.945,"end":400.26498,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.13049711287021637},{"word":"structured","start":400.26498,"end":400.66498,"confidence":1.0,"punctuated_word":"structured","sentiment":"neutral","sentiment_score":-0.09684932976961136},{"word":"when","start":400.66498,"end":400.985,"confidence":0.9941406,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.13727760314941406},{"word":"we","start":400.985,"end":401.065,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.124158576130867},{"word":"bought","start":401.065,"end":401.565,"confidence":0.9970703,"punctuated_word":"bought","sentiment":"neutral","sentiment_score":-0.13343289494514465},{"word":"it","start":402.185,"end":402.26498,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1578402817249298},{"word":"probably","start":402.26498,"end":402.66498,"confidence":0.7944336,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.24968205392360687},{"word":"wasn't","start":402.66498,"end":402.985,"confidence":0.99902344,"punctuated_word":"wasn't","sentiment":"neutral","sentiment_score":-0.1890636682510376},{"word":"the","start":402.985,"end":403.145,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15126608312129974},{"word":"right","start":403.145,"end":403.38498,"confidence":1.0,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.12083786725997923},{"word":"way","start":403.38498,"end":403.54498,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.16071106493473053},{"word":"to","start":403.54498,"end":403.705,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13470564782619476},{"word":"do","start":403.705,"end":403.865,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.1002180427312851},{"word":"it","start":403.865,"end":404.10498,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07394107431173325},{"word":"in","start":404.10498,"end":404.345,"confidence":0.88134766,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06696439534425735},{"word":"that","start":404.345,"end":404.845,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07188616693019867},{"word":"we","start":405.305,"end":405.465,"confidence":0.7451172,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.09312361478805542},{"word":"did","start":405.465,"end":405.625,"confidence":0.9951172,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.12126990407705308},{"word":"it","start":405.625,"end":405.785,"confidence":0.78222656,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.08015325665473938},{"word":"fifty","start":405.785,"end":406.10498,"confidence":1.0,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":-0.05304442346096039},{"word":"fifty","start":406.10498,"end":406.60498,"confidence":0.8564453,"punctuated_word":"fifty.","sentiment":"neutral","sentiment_score":-0.05001746863126755},{"word":"and","start":407.305,"end":407.625,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.031026270240545273},{"word":"so","start":407.625,"end":407.945,"confidence":0.99609375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.07176534086465836},{"word":"i","start":407.945,"end":408.025,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1232745349407196},{"word":"don't","start":408.025,"end":408.345,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.10702015459537506},{"word":"actually","start":408.345,"end":408.745,"confidence":0.9970703,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.09724650532007216},{"word":"get","start":408.745,"end":408.905,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.12968988716602323},{"word":"any","start":408.905,"end":409.405,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.15287147462368011},{"word":"tax","start":409.54498,"end":409.865,"confidence":0.9658203,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.16023918986320496},{"word":"benefits","start":409.865,"end":410.345,"confidence":0.9316406,"punctuated_word":"benefits","sentiment":"neutral","sentiment_score":-0.1924603432416916},{"word":"because","start":410.345,"end":410.66498,"confidence":0.9394531,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.1561490148305893},{"word":"i","start":410.66498,"end":410.82498,"confidence":0.99121094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1653606742620468},{"word":"don't","start":410.82498,"end":411.065,"confidence":0.9980469,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.13857589662075043},{"word":"earn","start":411.065,"end":411.225,"confidence":0.97802734,"punctuated_word":"earn","sentiment":"neutral","sentiment_score":-0.164991095662117},{"word":"enough","start":411.225,"end":411.725,"confidence":0.9916992,"punctuated_word":"enough.","sentiment":"neutral","sentiment_score":-0.07846560329198837},{"word":"so","start":412.49002,"end":412.93002,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.08698051422834396},{"word":"yeah","start":413.37003,"end":413.87003,"confidence":0.98339844,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.0847119390964508},{"word":"that's","start":414.49002,"end":414.81003,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.1228807270526886},{"word":"something","start":414.81003,"end":415.13,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.10599659383296968},{"word":"we","start":415.13,"end":415.29,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.1050763577222824},{"word":"need","start":415.29,"end":415.61002,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.10855011641979218},{"word":"to","start":415.61002,"end":415.77002,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10989562422037125},{"word":"work","start":415.77002,"end":416.01,"confidence":0.9902344,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.10347527265548706},{"word":"out","start":416.01,"end":416.33002,"confidence":0.99121094,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.078353151679039},{"word":"as","start":416.33002,"end":416.57,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.09330123662948608},{"word":"well","start":416.57,"end":416.89,"confidence":0.8613281,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.08438987284898758},{"word":"but","start":416.89,"end":417.39,"confidence":0.9453125,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.03302336856722832},{"word":"oh","start":424.57,"end":424.65002,"confidence":0.9597168,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.06232421100139618},{"word":"yeah","start":424.65002,"end":424.89,"confidence":0.98828125,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.06318774074316025},{"word":"yeah","start":424.89,"end":425.21002,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04815332219004631},{"word":"like","start":425.21002,"end":425.37003,"confidence":0.89575195,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.03898542746901512},{"word":"that's","start":425.37003,"end":425.77002,"confidence":0.9543457,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.01971708796918392},{"word":"steady","start":425.77002,"end":426.17,"confidence":0.9448242,"punctuated_word":"steady","sentiment":"neutral","sentiment_score":-0.01936282217502594},{"word":"as","start":426.17,"end":426.41,"confidence":0.9526367,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.015443958342075348},{"word":"yeah","start":426.89,"end":427.39,"confidence":0.9807129,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.01435854658484459},{"word":"they","start":428.625,"end":428.865,"confidence":0.9892578,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.027973219752311707},{"word":"pay","start":428.865,"end":429.10498,"confidence":0.9941406,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.03116234391927719},{"word":"the","start":429.10498,"end":429.26498,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03069256618618965},{"word":"rent","start":429.26498,"end":429.76498,"confidence":0.93066406,"punctuated_word":"rent.","sentiment":"neutral","sentiment_score":-0.047301582992076874},{"word":"they","start":429.985,"end":430.145,"confidence":0.9980469,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.08589139580726624},{"word":"don't","start":430.145,"end":430.645,"confidence":0.88916016,"punctuated_word":"don't.","sentiment":"neutral","sentiment_score":-0.07037340104579926},{"word":"but","start":432.305,"end":432.625,"confidence":0.74902344,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.07080602645874023},{"word":"yeah","start":432.625,"end":432.865,"confidence":0.97314453,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.07144326716661453},{"word":"it","start":432.865,"end":432.94498,"confidence":0.93408203,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07217603921890259},{"word":"just","start":432.94498,"end":433.185,"confidence":0.99121094,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.07630901038646698},{"word":"means","start":433.185,"end":433.50497,"confidence":0.9921875,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.0769796073436737},{"word":"trying","start":433.50497,"end":433.82498,"confidence":0.9741211,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.0932026207447052},{"word":"to","start":433.82498,"end":433.985,"confidence":0.9772949,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":-0.07892048358917236},{"word":"i","start":433.985,"end":434.065,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10040847957134248},{"word":"guess","start":434.065,"end":434.465,"confidence":0.99902344,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":-0.0857604444026947},{"word":"sell","start":434.465,"end":434.78497,"confidence":0.98535156,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.07936003804206848},{"word":"and","start":434.78497,"end":435.025,"confidence":0.97314453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.10011826455593108},{"word":"then","start":435.025,"end":435.26498,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.07800211012363434},{"word":"rebuy","start":435.26498,"end":435.745,"confidence":0.984375,"punctuated_word":"rebuy","sentiment":"neutral","sentiment_score":-0.07353675365447998},{"word":"in","start":435.745,"end":435.905,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.05267205089330673},{"word":"this","start":435.905,"end":436.145,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.08263705670833588},{"word":"market","start":436.145,"end":436.645,"confidence":0.9760742,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":-0.0718725398182869},{"word":"mhmm","start":436.78497,"end":437.28497,"confidence":0.86779785,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.029275065287947655},{"word":"yeah","start":438.305,"end":438.705,"confidence":0.9133301,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0834643766283989},{"word":"and","start":438.705,"end":438.94498,"confidence":0.9428711,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.15298232436180115},{"word":"to","start":438.94498,"end":439.44498,"confidence":0.64697266,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.14935192465782166},{"word":"it","start":439.66498,"end":439.905,"confidence":0.9760742,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1404981166124344},{"word":"is","start":439.905,"end":440.31,"confidence":0.9699707,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.13781839609146118},{"word":"and","start":440.38998,"end":440.63,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.08000404387712479},{"word":"to","start":440.63,"end":440.79,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09385228157043456},{"word":"do","start":440.79,"end":441.29,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.08800452202558517},{"word":"it","start":441.59,"end":441.75,"confidence":0.7182617,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.06729838252067566},{"word":"so","start":441.75,"end":441.91,"confidence":0.7006836,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.06119463965296745},{"word":"i","start":441.91,"end":442.07,"confidence":0.95947266,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04719974473118782},{"word":"think","start":442.07,"end":442.38998,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.03383202105760574},{"word":"get","start":442.38998,"end":442.63,"confidence":0.86621094,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.039578378200531006},{"word":"the","start":442.63,"end":442.87,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.035278819501399994},{"word":"best","start":442.87,"end":443.19,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.006851255893707275},{"word":"benefit","start":443.19,"end":443.66998,"confidence":0.7338867,"punctuated_word":"benefit,","sentiment":"neutral","sentiment_score":-0.009135041385889052},{"word":"my","start":443.66998,"end":443.83,"confidence":0.9970703,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.03530203551054001},{"word":"husband","start":443.83,"end":444.23,"confidence":1.0,"punctuated_word":"husband","sentiment":"neutral","sentiment_score":-0.07712265849113464},{"word":"was","start":444.23,"end":444.38998,"confidence":0.9838867,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.054823555052280426},{"word":"saying","start":444.38998,"end":444.71,"confidence":0.99902344,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":-0.00005878508090972901},{"word":"we","start":444.71,"end":444.79,"confidence":0.85058594,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.025298722088336945},{"word":"should","start":444.79,"end":445.03,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.013074040412902832},{"word":"probably","start":445.03,"end":445.35,"confidence":0.9970703,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.03161001205444336},{"word":"buy","start":445.35,"end":445.59,"confidence":1.0,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":-0.017005689442157745},{"word":"something","start":445.59,"end":446.07,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.026949390769004825},{"word":"brand","start":446.07,"end":446.38998,"confidence":1.0,"punctuated_word":"brand","sentiment":"neutral","sentiment_score":-0.026241570711135864},{"word":"new","start":446.38998,"end":446.88998,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.02380763739347458},{"word":"and","start":447.83,"end":447.99,"confidence":0.6298828,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0076923668384552},{"word":"then","start":447.99,"end":448.23,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.02659709006547928},{"word":"essentially","start":448.23,"end":448.71,"confidence":0.85546875,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.022303393110632896},{"word":"put","start":448.71,"end":448.95,"confidence":0.97802734,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.023700065910816193},{"word":"it","start":448.95,"end":449.03,"confidence":0.9921875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0646330788731575},{"word":"in","start":449.03,"end":449.19,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04240233451128006},{"word":"his","start":449.19,"end":449.43,"confidence":1.0,"punctuated_word":"his","sentiment":"neutral","sentiment_score":0.043176911771297455},{"word":"name","start":449.43,"end":449.83,"confidence":0.9523926,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":0.039085209369659424},{"word":"which","start":449.83,"end":450.07,"confidence":0.99902344,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.05466480553150177},{"word":"i'm","start":450.07,"end":450.38998,"confidence":0.9326172,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0505187064409256},{"word":"comfortable","start":450.38998,"end":450.88998,"confidence":0.95947266,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.04846976697444916},{"word":"doing","start":450.95,"end":451.35,"confidence":0.9719238,"punctuated_word":"doing.","sentiment":"neutral","sentiment_score":0.016804691404104233},{"word":"like","start":451.35,"end":451.59,"confidence":0.98706055,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.031198814511299133},{"word":"i","start":451.59,"end":451.75,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.022029392421245575},{"word":"don't","start":451.75,"end":452.25,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.03313278779387474},{"word":"have","start":452.31,"end":452.47,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.024346940219402313},{"word":"any","start":452.47,"end":452.71,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.005669943988323212},{"word":"problems","start":452.71,"end":453.19,"confidence":0.9951172,"punctuated_word":"problems","sentiment":"neutral","sentiment_score":-0.02308230847120285},{"word":"there","start":453.19,"end":453.51,"confidence":0.76171875,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.03292221948504448},{"word":"but","start":453.51,"end":454.01,"confidence":0.86743164,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.004621714353561401},{"word":"yeah","start":454.57498,"end":454.935,"confidence":0.64501953,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.002208231016993522},{"word":"i","start":454.935,"end":455.29498,"confidence":0.984375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.007825493812561035},{"word":"guess","start":455.29498,"end":455.535,"confidence":0.99902344,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":0.04695829749107361},{"word":"it's","start":455.535,"end":455.85498,"confidence":0.84521484,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.056624121963977814},{"word":"just","start":455.85498,"end":456.095,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.057162027806043625},{"word":"yes","start":456.175,"end":456.675,"confidence":0.84765625,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.08267460763454437},{"word":"it's","start":458.01498,"end":458.255,"confidence":0.70422363,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.11716990172863008},{"word":"nice","start":458.255,"end":458.57498,"confidence":0.51171875,"punctuated_word":"nice","sentiment":"neutral","sentiment_score":0.2958025336265564},{"word":"to","start":458.57498,"end":459.07498,"confidence":0.46289062,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2375313639640808},{"word":"think","start":459.29498,"end":459.615,"confidence":0.27197266,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.29236263036727905},{"word":"that","start":459.615,"end":460.115,"confidence":0.83032227,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.27586275339126587},{"word":"mhmm","start":462.97498,"end":463.47498,"confidence":0.8386841,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.016390478238463402},{"word":"okay","start":466.335,"end":466.655,"confidence":0.6750488,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.016606664285063744},{"word":"i'm","start":466.655,"end":466.97498,"confidence":0.94873047,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.007850449532270432},{"word":"just","start":466.97498,"end":467.215,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.001113802194595337},{"word":"double","start":467.215,"end":467.535,"confidence":0.9970703,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.005220580846071243},{"word":"checking","start":467.535,"end":467.85498,"confidence":1.0,"punctuated_word":"checking","sentiment":"neutral","sentiment_score":0.019471336156129837},{"word":"that","start":467.85498,"end":468.01498,"confidence":0.98950195,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.005021752789616585},{"word":"i","start":468.01498,"end":468.175,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0057156383991241455},{"word":"think","start":468.175,"end":468.335,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.00034170597791671753},{"word":"it","start":468.335,"end":468.495,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0028185658156871796},{"word":"was","start":468.495,"end":468.735,"confidence":0.91430664,"punctuated_word":"was,","sentiment":"neutral","sentiment_score":0.013304119929671288},{"word":"like","start":468.735,"end":469.235,"confidence":0.9975586,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0108838751912117},{"word":"$6.80","start":469.37,"end":470.01,"confidence":0.9720459,"punctuated_word":"$6.80,"},{"word":"but","start":470.01,"end":470.25,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.0285105649381876},{"word":"i'm","start":470.25,"end":470.33002,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.05961069092154503},{"word":"not","start":470.33002,"end":470.57,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.0683809220790863},{"word":"sure","start":470.57,"end":470.89,"confidence":0.94262695,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":-0.09581243991851808},{"word":"are","start":470.89,"end":471.01,"confidence":0.93408203,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.05561123043298721},{"word":"you","start":471.01,"end":471.13,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.050277918577194214},{"word":"there","start":471.13,"end":471.63,"confidence":0.9975586,"punctuated_word":"there?","sentiment":"neutral","sentiment_score":-0.0463489331305027},{"word":"so","start":472.41,"end":472.91,"confidence":0.43945312,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.00409812293946743},{"word":"i","start":473.05002,"end":473.29,"confidence":0.9267578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.025245456025004387},{"word":"thought","start":473.29,"end":473.61002,"confidence":0.79833984,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":-0.03339850902557373},{"word":"i","start":473.61002,"end":473.77002,"confidence":0.984375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04995277151465416},{"word":"might","start":473.77002,"end":474.01,"confidence":0.99902344,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.05518233776092529},{"word":"have","start":474.01,"end":474.17,"confidence":0.86035156,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.06808046251535416},{"word":"muted","start":474.17,"end":474.57,"confidence":0.9760742,"punctuated_word":"muted","sentiment":"neutral","sentiment_score":-0.058512985706329346},{"word":"you","start":474.57,"end":475.07,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06759335100650787},{"word":"while","start":475.21002,"end":475.45,"confidence":0.9667969,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.050003282725811005},{"word":"i","start":475.45,"end":475.53,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04694551974534989},{"word":"was","start":475.53,"end":476.03,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.0575125478208065},{"word":"looking","start":476.17,"end":476.57,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.03657495230436325},{"word":"at","start":476.57,"end":476.73,"confidence":0.9873047,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.04518363997340202},{"word":"things","start":476.73,"end":477.23,"confidence":0.96362305,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":-0.041663140058517456},{"word":"if","start":477.85,"end":478.09,"confidence":0.7246094,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.0286965724080801},{"word":"i","start":478.09,"end":478.17,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.027210328727960587},{"word":"go","start":478.17,"end":478.33002,"confidence":0.97802734,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.015743788331747055},{"word":"into","start":478.33002,"end":478.65,"confidence":0.9375,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.01983875408768654},{"word":"there","start":478.65,"end":479.15,"confidence":0.46691895,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.017022788524627686},{"word":"then","start":481.85,"end":482.17,"confidence":0.39819336,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.01538655161857605},{"word":"go","start":482.17,"end":482.67,"confidence":0.71643066,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":-0.012952851131558418},{"word":"yeah","start":491.155,"end":491.475,"confidence":0.78881836,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0036013033241033554},{"word":"so","start":491.475,"end":491.795,"confidence":0.8105469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.002784939482808113},{"word":"off","start":491.795,"end":491.875,"confidence":0.96240234,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.004892929457128048},{"word":"off","start":491.875,"end":492.035,"confidence":0.9667969,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.004677502438426018},{"word":"the","start":492.035,"end":492.195,"confidence":0.97802734,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00028710439801216125},{"word":"top","start":492.195,"end":492.355,"confidence":0.99902344,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.00383155420422554},{"word":"of","start":492.355,"end":492.435,"confidence":0.9790039,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.00048274919390678406},{"word":"my","start":492.435,"end":492.595,"confidence":0.9980469,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.004226928576827049},{"word":"head","start":492.595,"end":492.755,"confidence":0.9338379,"punctuated_word":"head,","sentiment":"neutral","sentiment_score":-0.005780817940831184},{"word":"i","start":492.755,"end":492.835,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0007946621626615524},{"word":"think","start":492.835,"end":493.075,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.003467213362455368},{"word":"it's","start":493.075,"end":493.315,"confidence":0.97094727,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.0011986190220341086},{"word":"$6.80","start":493.315,"end":494.055,"confidence":0.991333,"punctuated_word":"$6.80.","sentiment":"neutral","sentiment_score":0.0017941738478839395},{"word":"so","start":495.635,"end":495.875,"confidence":0.9604492,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.006381252780556679},{"word":"yeah","start":497.155,"end":497.655,"confidence":0.9650879,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.008975712582468987},{"word":"just","start":497.875,"end":498.36,"confidence":0.85546875,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.02553579583764076},{"word":"having","start":498.43997,"end":498.52,"confidence":0.9326172,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.04146859049797058},{"word":"a","start":498.52,"end":498.75998,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03522224724292755},{"word":"quick","start":498.75998,"end":499.25998,"confidence":0.9980469,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":-0.02075400948524475},{"word":"look","start":499.63998,"end":500.03998,"confidence":0.9970703,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.03573295846581459},{"word":"if","start":500.03998,"end":500.19998,"confidence":0.37646484,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.042193636298179626},{"word":"i","start":500.19998,"end":500.28,"confidence":0.9838867,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.030628250911831856},{"word":"can","start":500.28,"end":500.52,"confidence":0.9873047,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.04377387464046478},{"word":"find","start":500.52,"end":500.84,"confidence":0.99609375,"punctuated_word":"find","sentiment":"neutral","sentiment_score":-0.04573623836040497},{"word":"it","start":500.84,"end":501.34,"confidence":0.9980469,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.0699237808585167},{"word":"too","start":512.51996,"end":512.68,"confidence":0.9902344,"punctuated_word":"Too","sentiment":"negative","sentiment_score":-0.3829164206981659},{"word":"many","start":512.68,"end":513.0,"confidence":1.0,"punctuated_word":"many","sentiment":"neutral","sentiment_score":-0.27356624603271484},{"word":"emails","start":513.0,"end":513.495,"confidence":0.9980469,"punctuated_word":"emails","sentiment":"neutral","sentiment_score":-0.2207522690296173},{"word":"i","start":513.575,"end":513.735,"confidence":0.9980469,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.3952283263206482},{"word":"need","start":513.735,"end":514.235,"confidence":0.9980469,"punctuated_word":"need","sentiment":"negative","sentiment_score":-0.3742591440677643},{"word":"to","start":514.695,"end":514.895,"confidence":0.99609375,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4736102819442749},{"word":"i","start":514.895,"end":515.095,"confidence":0.8256836,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.44295966625213623},{"word":"need","start":515.095,"end":515.335,"confidence":0.9970703,"punctuated_word":"need","sentiment":"negative","sentiment_score":-0.4753738045692444},{"word":"to","start":515.335,"end":515.65497,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4131331145763397},{"word":"delete","start":515.65497,"end":516.15497,"confidence":0.7836914,"punctuated_word":"delete.","sentiment":"neutral","sentiment_score":-0.3027525544166565},{"word":"and","start":516.935,"end":517.435,"confidence":0.9472656,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.12618868052959442},{"word":"yes","start":522.375,"end":522.875,"confidence":0.6472168,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":-0.2073085606098175},{"word":"yeah","start":524.055,"end":524.555,"confidence":0.7459717,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.023003531619906425},{"word":"i'm","start":525.085,"end":525.335,"confidence":0.8605957,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.04432390257716179},{"word":"i'm","start":525.335,"end":525.495,"confidence":0.78515625,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.10529311746358871},{"word":"fine","start":525.495,"end":525.995,"confidence":0.7753906,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.1299223154783249},{"word":"yeah","start":533.17,"end":533.67,"confidence":0.9592285,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07667091488838196},{"word":"anyway","start":533.97,"end":534.47,"confidence":0.9458008,"punctuated_word":"Anyway,","sentiment":"neutral","sentiment_score":0.08058683574199677},{"word":"i","start":534.93,"end":535.25,"confidence":0.5541992,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08868575841188431},{"word":"can","start":535.25,"end":535.57,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07477958500385284},{"word":"keep","start":535.57,"end":535.81,"confidence":0.9970703,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.0357031524181366},{"word":"looking","start":535.81,"end":536.20996,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.0401318296790123},{"word":"while","start":536.20996,"end":536.44995,"confidence":1.0,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.04221964254975319},{"word":"you're","start":536.44995,"end":536.69,"confidence":0.99560547,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.05232080817222595},{"word":"talking","start":536.69,"end":537.19,"confidence":0.99609375,"punctuated_word":"talking.","sentiment":"neutral","sentiment_score":0.032131586223840714},{"word":"yes","start":543.175,"end":543.675,"confidence":0.7644043,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2593787610530853},{"word":"yes","start":547.655,"end":548.155,"confidence":0.81884766,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.11914169788360596},{"word":"yes","start":551.97504,"end":552.295,"confidence":0.8347168,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.11526499688625336},{"word":"yes","start":552.295,"end":552.63,"confidence":0.81103516,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1327921450138092},{"word":"yeah","start":558.55,"end":559.05,"confidence":0.83984375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11580897122621536},{"word":"yes","start":562.15,"end":562.65,"confidence":0.7858887,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.3645857572555542},{"word":"yeah","start":565.94495,"end":566.185,"confidence":0.93725586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1477954089641571},{"word":"and","start":566.185,"end":566.345,"confidence":0.96972656,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11878466606140135},{"word":"i","start":566.345,"end":566.50494,"confidence":0.9291992,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11058806627988815},{"word":"think","start":566.50494,"end":566.665,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.12221334874629974},{"word":"i","start":566.70496,"end":566.745,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0828913152217865},{"word":"mean","start":566.745,"end":566.90497,"confidence":0.99365234,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.10739528387784958},{"word":"it's","start":566.90497,"end":567.14496,"confidence":0.9602051,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.11006548255681992},{"word":"probably","start":567.14496,"end":567.46497,"confidence":0.96240234,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.1421729028224945},{"word":"relative","start":567.46497,"end":567.96497,"confidence":0.94384766,"punctuated_word":"relative","sentiment":"neutral","sentiment_score":0.10908171534538268},{"word":"to","start":568.02496,"end":568.185,"confidence":0.7651367,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13023504614830017},{"word":"the","start":568.185,"end":568.50494,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10155822336673737},{"word":"area","start":568.50494,"end":568.985,"confidence":0.9980469,"punctuated_word":"area","sentiment":"neutral","sentiment_score":0.12482677400112152},{"word":"that","start":568.985,"end":569.14496,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06761398166418076},{"word":"it's","start":569.14496,"end":569.38495,"confidence":0.88256836,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.06236913055181503},{"word":"in","start":569.38495,"end":569.785,"confidence":0.80200195,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.05987824499607086},{"word":"even","start":569.785,"end":570.02496,"confidence":0.8100586,"punctuated_word":"Even","sentiment":"neutral","sentiment_score":0.03401254862546921},{"word":"though","start":570.02496,"end":570.185,"confidence":0.9980469,"punctuated_word":"though","sentiment":"neutral","sentiment_score":-0.002673722803592682},{"word":"the","start":570.185,"end":570.26495,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04615692421793938},{"word":"property","start":570.26495,"end":570.745,"confidence":0.9980469,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.034788720309734344},{"word":"is","start":570.745,"end":570.90497,"confidence":0.9589844,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.009931907057762146},{"word":"saying","start":570.90497,"end":571.14496,"confidence":0.9326172,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":0.028922945261001587},{"word":"it's","start":571.14496,"end":571.305,"confidence":0.9921875,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.05187144875526428},{"word":"worth","start":571.305,"end":571.70496,"confidence":0.9902344,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.07596173882484436},{"word":"that","start":571.70496,"end":572.185,"confidence":0.96777344,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.04051760211586952},{"word":"it's","start":572.185,"end":572.665,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.01630803756415844},{"word":"like","start":572.665,"end":573.165,"confidence":0.8408203,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.014094356447458267},{"word":"yeah","start":573.785,"end":574.285,"confidence":0.98950195,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.01905282773077488},{"word":"but","start":575.70496,"end":575.94495,"confidence":0.8798828,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.003237500786781311},{"word":"then","start":575.94495,"end":576.105,"confidence":0.9921875,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.01192735880613327},{"word":"again","start":576.105,"end":576.50494,"confidence":0.8598633,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.017877154052257538},{"word":"i","start":576.50494,"end":576.665,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0029098838567733765},{"word":"mean","start":576.665,"end":577.065,"confidence":0.7976074,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.02033039554953575},{"word":"yeah","start":577.065,"end":577.305,"confidence":0.92089844,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.07053345441818237},{"word":"i","start":577.305,"end":577.46497,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12031836062669754},{"word":"do","start":577.46497,"end":577.70496,"confidence":0.9453125,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12654127180576324},{"word":"look","start":577.70496,"end":578.20496,"confidence":0.6894531,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.061142466962337494},{"word":"see","start":578.985,"end":579.225,"confidence":0.99121094,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.057269059121608734},{"word":"what's","start":579.225,"end":579.46497,"confidence":1.0,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.036610063165426254},{"word":"going","start":579.46497,"end":579.785,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.04997865855693817},{"word":"around","start":579.785,"end":580.02496,"confidence":0.9941406,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.025740958750247955},{"word":"there","start":580.02496,"end":580.52496,"confidence":0.9448242,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.03237773850560188},{"word":"and","start":580.61005,"end":580.69,"confidence":0.78759766,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07872594147920609},{"word":"it's","start":580.69,"end":580.93005,"confidence":0.9980469,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.034769218415021896},{"word":"not","start":580.93005,"end":581.01,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.11380763351917268},{"word":"bad","start":581.01,"end":581.33,"confidence":0.9753418,"punctuated_word":"bad,","sentiment":"neutral","sentiment_score":0.013980872929096222},{"word":"but","start":581.33,"end":581.57,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.05278332531452179},{"word":"it","start":581.57,"end":581.65,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06936001777648926},{"word":"will","start":581.65,"end":581.81006,"confidence":0.9248047,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.1077035665512085},{"word":"probably","start":581.81006,"end":582.13,"confidence":0.9980469,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.09512633085250854},{"word":"go","start":582.13,"end":582.29004,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.12176163494586945},{"word":"up","start":582.29004,"end":582.45,"confidence":0.9111328,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.06716610491275787},{"word":"again","start":582.45,"end":582.93005,"confidence":0.83691406,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":-0.02738805115222931},{"word":"like","start":582.93005,"end":583.25,"confidence":0.9436035,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.017553530633449554},{"word":"they","start":583.25,"end":583.49005,"confidence":0.96240234,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.02227874845266342},{"word":"might","start":583.49005,"end":583.73004,"confidence":0.9921875,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.020369797945022583},{"word":"increase","start":583.73004,"end":584.13,"confidence":0.99902344,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.022485367953777313},{"word":"it","start":584.13,"end":584.29004,"confidence":0.9243164,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.005957245826721191},{"word":"again","start":584.29004,"end":584.79004,"confidence":0.9970703,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":-0.014688841998577118},{"word":"i","start":584.93005,"end":585.01,"confidence":0.91748047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01861533522605896},{"word":"think","start":585.01,"end":585.25,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.005020841956138611},{"word":"it","start":585.25,"end":585.33,"confidence":0.98535156,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0023228824138641357},{"word":"was","start":585.33,"end":585.57,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.0001301988959312439},{"word":"july","start":585.57,"end":586.07,"confidence":1.0,"punctuated_word":"July","sentiment":"neutral","sentiment_score":0.03396144509315491},{"word":"that","start":586.85004,"end":587.35004,"confidence":0.9550781,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0012624934315681458},{"word":"around","start":587.57,"end":587.89,"confidence":0.74560547,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.001987121999263763},{"word":"then","start":587.89,"end":588.39,"confidence":0.8798828,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.030817292630672455},{"word":"that","start":588.53,"end":588.77,"confidence":0.7207031,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.00008800625801086426},{"word":"the","start":588.77,"end":589.09,"confidence":0.9003906,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0069791898131370544},{"word":"sort","start":589.09,"end":589.33,"confidence":0.87060547,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.004412122070789337},{"word":"of","start":589.33,"end":589.73004,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.011984966695308684},{"word":"lease","start":589.73004,"end":590.05005,"confidence":0.8852539,"punctuated_word":"lease","sentiment":"neutral","sentiment_score":0.03943344205617905},{"word":"is","start":590.05005,"end":590.21,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.010193735361099243},{"word":"due","start":590.21,"end":590.53,"confidence":0.9951172,"punctuated_word":"due","sentiment":"neutral","sentiment_score":0.03471716493368149},{"word":"to","start":590.53,"end":590.61005,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.007724441587924957},{"word":"run","start":590.61005,"end":590.85004,"confidence":0.9941406,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.018142536282539368},{"word":"out","start":590.85004,"end":591.35004,"confidence":0.86206055,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.009257473051548004},{"word":"so","start":592.21,"end":592.45,"confidence":0.8984375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16081902384757996},{"word":"that's","start":592.45,"end":592.69,"confidence":0.64733887,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.23656725883483887},{"word":"just","start":592.69,"end":592.93005,"confidence":0.60546875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2151219546794891},{"word":"why","start":592.93005,"end":593.09,"confidence":0.37109375,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.1570054590702057},{"word":"i","start":593.09,"end":593.17004,"confidence":0.49658203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.3093852698802948},{"word":"tend","start":593.17004,"end":593.65,"confidence":0.7973633,"punctuated_word":"tend","sentiment":"positive","sentiment_score":0.3769269287586212},{"word":"to","start":593.65,"end":593.89,"confidence":0.9941406,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3921342194080353},{"word":"bump","start":593.89,"end":594.13,"confidence":0.96777344,"punctuated_word":"bump","sentiment":"positive","sentiment_score":0.3957268595695496},{"word":"it","start":594.13,"end":594.29004,"confidence":0.9819336,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.23441265523433685},{"word":"up","start":594.29004,"end":594.735,"confidence":0.99316406,"punctuated_word":"up.","sentiment":"positive","sentiment_score":0.3831336498260498},{"word":"yep","start":611.2,"end":611.7,"confidence":0.78222656,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.4327976107597351},{"word":"we've","start":621.04,"end":621.27997,"confidence":0.72180176,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":-0.006413310766220093},{"word":"got","start":621.27997,"end":621.52,"confidence":0.97802734,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.004169007763266563},{"word":"a","start":621.52,"end":621.6,"confidence":0.9716797,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.004967348650097847},{"word":"wheel","start":621.6,"end":622.1,"confidence":0.9699707,"punctuated_word":"wheel.","sentiment":"neutral","sentiment_score":-0.0070116473361849785},{"word":"i","start":623.52,"end":623.6,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03749888762831688},{"word":"don't","start":623.6,"end":623.84,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.04773885756731033},{"word":"know","start":623.84,"end":624.0,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.06673586368560791},{"word":"if","start":624.0,"end":624.16,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.08254137635231018},{"word":"we've","start":624.16,"end":624.4,"confidence":0.9995117,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.03890462964773178},{"word":"got","start":624.4,"end":624.735,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.037962429225444794},{"word":"i","start":625.615,"end":625.695,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03612814098596573},{"word":"don't","start":625.695,"end":625.935,"confidence":0.9975586,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.05134335160255432},{"word":"know","start":625.935,"end":626.015,"confidence":0.9941406,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.052890628576278687},{"word":"who","start":626.015,"end":626.175,"confidence":0.9790039,"punctuated_word":"who","sentiment":"neutral","sentiment_score":-0.07541341334581375},{"word":"we","start":626.175,"end":626.33496,"confidence":0.96875,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.049745701253414154},{"word":"would","start":626.33496,"end":626.495,"confidence":0.9921875,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.04275282844901085},{"word":"have","start":626.495,"end":626.575,"confidence":0.48999023,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.05403336882591248},{"word":"thought","start":626.575,"end":626.815,"confidence":0.46972656,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":-0.04259544238448143},{"word":"the","start":626.815,"end":626.89496,"confidence":0.37353516,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.042319998145103455},{"word":"power","start":626.89496,"end":627.21497,"confidence":0.9760742,"punctuated_word":"power","sentiment":"neutral","sentiment_score":-0.04826677218079567},{"word":"of","start":627.21497,"end":627.295,"confidence":0.45239258,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03419133275747299},{"word":"attorney","start":627.295,"end":627.615,"confidence":0.5917969,"punctuated_word":"attorney.","sentiment":"neutral","sentiment_score":-0.06234660744667053},{"word":"it's","start":627.615,"end":627.77496,"confidence":0.90893555,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.07216457277536392},{"word":"like","start":627.77496,"end":627.895,"confidence":0.8496094,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.06421741843223572},{"word":"this","start":628.015,"end":628.255,"confidence":0.95410156,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.05970112234354019},{"word":"is","start":628.255,"end":628.495,"confidence":0.9902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.07419266551733017},{"word":"but","start":628.575,"end":628.65497,"confidence":0.47631836,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.0772295743227005},{"word":"that's","start":628.65497,"end":628.77496,"confidence":0.60046387,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.06335075944662094},{"word":"we","start":628.89496,"end":629.055,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.03862845152616501},{"word":"did","start":629.055,"end":629.295,"confidence":0.9760742,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.08021435141563416},{"word":"this","start":629.295,"end":629.535,"confidence":0.9562988,"punctuated_word":"this,","sentiment":"neutral","sentiment_score":-0.0631999745965004},{"word":"like","start":629.535,"end":630.035,"confidence":0.9921875,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.057012081146240234},{"word":"probably","start":630.89496,"end":631.39496,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.04357005283236504},{"word":"ten","start":631.535,"end":631.77496,"confidence":0.94921875,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":-0.06646689772605896},{"word":"years","start":631.77496,"end":632.015,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.045689985156059265},{"word":"ago","start":632.015,"end":632.515,"confidence":0.8808594,"punctuated_word":"ago.","sentiment":"neutral","sentiment_score":-0.04909531772136688},{"word":"we","start":633.375,"end":633.615,"confidence":0.9951172,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.03794081509113312},{"word":"did","start":633.615,"end":633.855,"confidence":0.9951172,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.04073113203048706},{"word":"a","start":633.855,"end":634.015,"confidence":0.9326172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0417003333568573},{"word":"wheel","start":634.015,"end":634.515,"confidence":0.9094238,"punctuated_word":"wheel.","sentiment":"neutral","sentiment_score":-0.04322691261768341},{"word":"so","start":635.135,"end":635.375,"confidence":0.9863281,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.053421225398778915},{"word":"we","start":635.375,"end":635.615,"confidence":0.9667969,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.040418144315481186},{"word":"might","start":635.615,"end":635.855,"confidence":0.9921875,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.04572875425219536},{"word":"need","start":635.855,"end":636.015,"confidence":0.9980469,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.046932268887758255},{"word":"to","start":636.015,"end":636.515,"confidence":0.9589844,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.047821056097745895},{"word":"already","start":637.31,"end":637.63,"confidence":0.34545898,"punctuated_word":"already","sentiment":"neutral","sentiment_score":-0.06162137538194656},{"word":"look","start":637.63,"end":637.87,"confidence":0.99609375,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.05070626363158226},{"word":"at","start":637.87,"end":637.95,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.14534784853458405},{"word":"that","start":637.95,"end":638.27,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.17527085542678833},{"word":"as","start":638.27,"end":638.59,"confidence":0.66259766,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.18614111840724945},{"word":"well","start":638.59,"end":639.09,"confidence":0.9916992,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.0010395538993179798},{"word":"yep","start":639.39,"end":639.87,"confidence":0.8625488,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.021331358700990677},{"word":"yep","start":639.87,"end":640.11,"confidence":0.90893555,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.035873256623744965},{"word":"alright","start":640.11,"end":640.43,"confidence":0.9875488,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.06285019218921661},{"word":"i'll","start":640.43,"end":640.59,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.07944750040769577},{"word":"pop","start":640.59,"end":640.83,"confidence":0.92089844,"punctuated_word":"pop","sentiment":"neutral","sentiment_score":0.08691919595003128},{"word":"that","start":640.83,"end":640.99,"confidence":0.98095703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07680124044418335},{"word":"down","start":640.99,"end":641.23,"confidence":0.99316406,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.07569830864667892},{"word":"as","start":641.23,"end":641.39,"confidence":0.8203125,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0659341961145401},{"word":"something","start":641.39,"end":641.79,"confidence":0.99609375,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.05014802888035774},{"word":"to","start":641.79,"end":642.29,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04742377996444702},{"word":"to","start":642.67,"end":642.83,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04228435456752777},{"word":"do","start":642.83,"end":643.33,"confidence":0.99560547,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.048319704830646515},{"word":"okay","start":648.11,"end":648.61,"confidence":0.97753906,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2203182578086853},{"word":"yep","start":649.39,"end":649.89,"confidence":0.9230957,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17321160435676575},{"word":"yep","start":653.455,"end":653.955,"confidence":0.8742676,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06959745287895203},{"word":"yep","start":664.255,"end":664.495,"confidence":0.94091797,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.009412058629095554},{"word":"no","start":664.495,"end":664.995,"confidence":0.9890137,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11146742105484007},{"word":"yep","start":666.51,"end":667.01,"confidence":0.87475586,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03110983781516552},{"word":"i'll","start":667.31,"end":667.55,"confidence":0.9863281,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.08219325542449951},{"word":"check","start":667.55,"end":667.87,"confidence":0.99902344,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.08766414225101471},{"word":"that","start":667.87,"end":668.11,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20808371901512143},{"word":"as","start":668.11,"end":668.35,"confidence":0.9404297,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.14117898046970367},{"word":"well","start":668.35,"end":668.85,"confidence":0.99902344,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.11694342643022536},{"word":"yep","start":671.31,"end":671.81,"confidence":0.98535156,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.016298888251185417},{"word":"yes","start":672.75,"end":673.25,"confidence":0.9238281,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.006981069687753916},{"word":"mhmm","start":674.75,"end":675.25,"confidence":0.9954834,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.023343538865447044},{"word":"nope","start":679.07,"end":679.515,"confidence":0.8647461,"punctuated_word":"Nope.","sentiment":"neutral","sentiment_score":-0.10216176509857178},{"word":"i","start":679.59503,"end":679.755,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08005904406309128},{"word":"don't","start":679.755,"end":679.91504,"confidence":0.99853516,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.09199976176023485},{"word":"know","start":679.91504,"end":679.995,"confidence":0.9970703,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.1163165345788002},{"word":"what","start":679.995,"end":680.235,"confidence":0.97802734,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.1461813747882843},{"word":"that","start":680.235,"end":680.47504,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09344089776277542},{"word":"is","start":680.47504,"end":680.715,"confidence":0.77783203,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.08650613576173782},{"word":"so","start":680.715,"end":680.79504,"confidence":0.6879883,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.11422862857580184},{"word":"no","start":680.875,"end":681.375,"confidence":0.99560547,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.12683039903640747},{"word":"oh","start":686.395,"end":686.635,"confidence":0.66589355,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.047879382967948914},{"word":"no","start":686.635,"end":687.03503,"confidence":0.9951172,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.13947199285030365},{"word":"no","start":687.03503,"end":687.53503,"confidence":0.98583984,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.22168076038360596},{"word":"no","start":687.91504,"end":688.41504,"confidence":0.90625,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06544075906276703},{"word":"no","start":694.6,"end":694.84,"confidence":0.84521484,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.04219791293144226},{"word":"and","start":694.84,"end":695.16,"confidence":0.42211914,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0754501223564148},{"word":"we","start":695.16,"end":695.32,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11890559643507004},{"word":"did","start":695.32,"end":695.56,"confidence":0.99121094,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.11719310283660889},{"word":"buy","start":695.56,"end":696.06,"confidence":0.98828125,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.17741844058036804},{"word":"a","start":696.27997,"end":696.36,"confidence":0.7495117,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1566355526447296},{"word":"caravan","start":696.36,"end":696.86,"confidence":0.7553711,"punctuated_word":"caravan,","sentiment":"neutral","sentiment_score":0.18015633523464203},{"word":"so","start":697.32,"end":697.8,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.14754749834537506},{"word":"that's","start":697.8,"end":698.12,"confidence":0.9838867,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.2656816840171814},{"word":"an","start":698.12,"end":698.36,"confidence":0.9941406,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.23989249765872955},{"word":"asset","start":698.36,"end":698.84,"confidence":1.0,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.2603779733181},{"word":"as","start":698.84,"end":699.08,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2282768487930298},{"word":"well","start":699.08,"end":699.58,"confidence":0.99853516,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1620943248271942},{"word":"i","start":700.36,"end":700.44,"confidence":0.8183594,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03275564685463905},{"word":"don't","start":700.44,"end":700.68,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.024926451966166496},{"word":"know","start":700.68,"end":701.18,"confidence":0.9921875,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.02168187126517296},{"word":"yep","start":701.72,"end":702.22,"confidence":0.8828125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.015582035295665264},{"word":"no","start":705.615,"end":705.855,"confidence":0.8977051,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.04695840924978256},{"word":"we","start":705.855,"end":706.355,"confidence":0.9838867,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.009587325155735016},{"word":"purchased","start":706.495,"end":706.895,"confidence":0.90722656,"punctuated_word":"purchased","sentiment":"neutral","sentiment_score":0.00770154595375061},{"word":"it","start":706.895,"end":707.395,"confidence":0.90649414,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.018429942429065704},{"word":"probably","start":710.575,"end":710.975,"confidence":0.99316406,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":0.04044937714934349},{"word":"about","start":710.975,"end":711.175,"confidence":0.94189453,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.026701288297772408},{"word":"well","start":711.375,"end":711.535,"confidence":0.9562988,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.03722056746482849},{"word":"between","start":711.535,"end":711.935,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.04650110751390457},{"word":"70","start":711.935,"end":712.255,"confidence":0.9980469,"punctuated_word":"70","sentiment":"neutral","sentiment_score":0.05042654648423195},{"word":"and","start":712.255,"end":712.495,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05100784823298454},{"word":"80,000","start":712.495,"end":713.315,"confidence":0.99853516,"punctuated_word":"80,000.","sentiment":"neutral","sentiment_score":0.05310894176363945},{"word":"yep","start":716.735,"end":717.055,"confidence":0.97021484,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08859260380268097},{"word":"there","start":717.055,"end":717.295,"confidence":0.9135742,"punctuated_word":"There","sentiment":"neutral","sentiment_score":0.04505809396505356},{"word":"you","start":717.295,"end":717.375,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03538025915622711},{"word":"go","start":717.375,"end":717.535,"confidence":0.98876953,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.047680966556072235},{"word":"why","start":717.535,"end":717.775,"confidence":0.96777344,"punctuated_word":"Why","sentiment":"neutral","sentiment_score":-0.0063369981944561005},{"word":"not","start":717.775,"end":718.275,"confidence":0.96118164,"punctuated_word":"not?","sentiment":"neutral","sentiment_score":-0.0010647308081388474},{"word":"that","start":727.44,"end":727.68005,"confidence":0.64501953,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.516943633556366},{"word":"would","start":727.68005,"end":727.92004,"confidence":0.99902344,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.49329936504364014},{"word":"be","start":727.92004,"end":728.16003,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.5160107612609863},{"word":"amazing","start":728.16003,"end":728.66003,"confidence":0.83496094,"punctuated_word":"amazing.","sentiment":"positive","sentiment_score":0.43234384059906006},{"word":"but","start":728.72003,"end":728.96,"confidence":0.79296875,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.07650944590568542},{"word":"yeah","start":728.96,"end":729.2,"confidence":0.97094727,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.04579433053731918},{"word":"at","start":729.2,"end":729.36005,"confidence":0.9921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0012460723519325256},{"word":"the","start":729.36005,"end":729.44,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04000403732061386},{"word":"moment","start":729.44,"end":729.84,"confidence":0.90893555,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.010247018188238144},{"word":"it's","start":729.84,"end":730.0,"confidence":0.99560547,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.03035018965601921},{"word":"just","start":730.0,"end":730.24005,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04099127650260925},{"word":"for","start":730.24005,"end":730.32,"confidence":0.36523438,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05473172292113304},{"word":"doing","start":730.32,"end":730.64,"confidence":0.9980469,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.0909259170293808},{"word":"sort","start":730.64,"end":730.80005,"confidence":0.8618164,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.08108778297901154},{"word":"of","start":730.80005,"end":730.96,"confidence":0.80126953,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.07816000282764435},{"word":"like","start":730.96,"end":731.2,"confidence":0.9946289,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.07960604876279831},{"word":"short","start":731.2,"end":731.44,"confidence":0.98828125,"punctuated_word":"short","sentiment":"neutral","sentiment_score":0.12421206384897232},{"word":"weekend","start":731.44,"end":731.76,"confidence":0.9790039,"punctuated_word":"weekend","sentiment":"neutral","sentiment_score":0.10890096426010132},{"word":"trips","start":731.76,"end":732.0,"confidence":0.98828125,"punctuated_word":"trips","sentiment":"neutral","sentiment_score":0.08682383596897125},{"word":"while","start":732.0,"end":732.24005,"confidence":0.95947266,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.047137659043073654},{"word":"we","start":732.24005,"end":732.4,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09516824036836624},{"word":"can","start":732.4,"end":732.56006,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08089770376682281},{"word":"get","start":732.56006,"end":732.72003,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.05862943083047867},{"word":"away","start":732.72003,"end":733.22003,"confidence":0.9980469,"punctuated_word":"away.","sentiment":"neutral","sentiment_score":0.10035115480422974},{"word":"yeah","start":737.395,"end":737.895,"confidence":0.9602051,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09904170036315918},{"word":"yeah","start":743.395,"end":743.79504,"confidence":0.8798828,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10902617871761322},{"word":"yeah","start":743.79504,"end":744.29504,"confidence":0.9641113,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0998855158686638},{"word":"yeah","start":748.35504,"end":748.85504,"confidence":0.94628906,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04657154530286789},{"word":"definitely","start":752.22003,"end":752.72003,"confidence":0.76464844,"punctuated_word":"Definitely.","sentiment":"neutral","sentiment_score":-0.091816745698452},{"word":"yes","start":754.7,"end":755.2,"confidence":0.9941406,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.11581658571958542},{"word":"yep","start":755.26,"end":755.76,"confidence":0.92749023,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.23450404405593872},{"word":"yep","start":760.14,"end":760.64,"confidence":0.982666,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17232993245124817},{"word":"okay","start":763.915,"end":764.415,"confidence":0.92407227,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1052865907549858},{"word":"yes","start":768.95496,"end":769.45496,"confidence":0.9875488,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.10443523526191711},{"word":"yes","start":776.235,"end":776.735,"confidence":0.87646484,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.14349287748336792},{"word":"okay","start":779.1,"end":779.6,"confidence":0.98999023,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1202891394495964},{"word":"oh","start":783.42,"end":783.74,"confidence":0.88842773,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.12336131930351256},{"word":"we","start":783.74,"end":783.98,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11637507379055025},{"word":"would","start":783.98,"end":784.14,"confidence":0.99316406,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.15421700477600098},{"word":"definitely","start":784.14,"end":784.2733,"confidence":0.6425781,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.16775640845298767},{"word":"i","start":784.4067,"end":784.54,"confidence":0.92578125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09161856770515442},{"word":"mean","start":784.54,"end":784.77997,"confidence":0.986084,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.11168229579925536},{"word":"our","start":784.77997,"end":785.02,"confidence":0.9370117,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.08222377300262451},{"word":"aim","start":785.02,"end":785.26,"confidence":0.98828125,"punctuated_word":"aim","sentiment":"neutral","sentiment_score":0.12964631617069244},{"word":"wouldn't","start":785.26,"end":785.74,"confidence":0.9016113,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":0.10594945400953291},{"word":"be","start":785.74,"end":785.98,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08626635372638702},{"word":"to","start":785.98,"end":786.3,"confidence":0.98535156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.108966663479805},{"word":"ultimately","start":786.3,"end":786.8,"confidence":0.765625,"punctuated_word":"ultimately,","sentiment":"neutral","sentiment_score":0.09648288786411284},{"word":"yeah","start":786.86,"end":787.1,"confidence":0.9519043,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.1220586597919464},{"word":"retire","start":787.1,"end":787.5,"confidence":0.9941406,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.062119826674461365},{"word":"earlier","start":787.5,"end":788.0,"confidence":0.99902344,"punctuated_word":"earlier","sentiment":"neutral","sentiment_score":0.07324188947677612},{"word":"than","start":789.18,"end":789.42,"confidence":0.8852539,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.10016892850399016},{"word":"later","start":789.42,"end":789.92,"confidence":0.9321289,"punctuated_word":"later.","sentiment":"neutral","sentiment_score":0.10161631554365158},{"word":"and","start":791.02,"end":791.52,"confidence":0.9951172,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06894345581531525},{"word":"so","start":791.66,"end":791.89996,"confidence":0.9716797,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0841694176197052},{"word":"yeah","start":792.3,"end":792.7,"confidence":0.9926758,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.08194194734096527},{"word":"i","start":792.7,"end":792.945,"confidence":0.7236328,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07488971948623657},{"word":"think","start":793.025,"end":793.265,"confidence":0.99609375,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.0915674939751625},{"word":"my","start":793.265,"end":793.34503,"confidence":0.9951172,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.017953231930732727},{"word":"husband","start":793.34503,"end":793.84503,"confidence":1.0,"punctuated_word":"husband","sentiment":"neutral","sentiment_score":-0.002129755914211273},{"word":"yeah","start":794.145,"end":794.645,"confidence":0.99560547,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.0271456278860569},{"word":"my","start":794.705,"end":794.865,"confidence":0.81640625,"punctuated_word":"My","sentiment":"neutral","sentiment_score":-0.012025464326143265},{"word":"husband","start":794.865,"end":795.265,"confidence":0.99902344,"punctuated_word":"husband","sentiment":"neutral","sentiment_score":-0.014708340167999268},{"word":"works","start":795.265,"end":795.505,"confidence":0.45385742,"punctuated_word":"works","sentiment":"neutral","sentiment_score":-0.02046266198158264},{"word":"very","start":795.505,"end":795.905,"confidence":0.9111328,"punctuated_word":"very,","sentiment":"neutral","sentiment_score":-0.0415104478597641},{"word":"very","start":795.905,"end":796.145,"confidence":0.9980469,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.0828285962343216},{"word":"hard","start":796.145,"end":796.645,"confidence":0.779541,"punctuated_word":"hard.","sentiment":"neutral","sentiment_score":-0.03520321846008301},{"word":"you","start":796.865,"end":797.105,"confidence":0.9970703,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.013617046177387238},{"word":"know","start":797.105,"end":797.585,"confidence":0.7475586,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.017868537455797195},{"word":"six","start":797.585,"end":797.905,"confidence":0.9863281,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.011052697896957396},{"word":"days","start":797.905,"end":798.145,"confidence":0.9980469,"punctuated_word":"days","sentiment":"neutral","sentiment_score":-0.031348664313554764},{"word":"a","start":798.145,"end":798.22504,"confidence":0.98095703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.003004666417837143},{"word":"week","start":798.22504,"end":798.72504,"confidence":0.8491211,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":0.007014572620391846},{"word":"you","start":798.865,"end":799.025,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0005837157368659973},{"word":"know","start":799.025,"end":799.525,"confidence":0.9748535,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.005216272547841072},{"word":"sixty","start":799.745,"end":800.145,"confidence":0.9892578,"punctuated_word":"sixty","sentiment":"neutral","sentiment_score":0.04563714936375618},{"word":"plus","start":800.145,"end":800.645,"confidence":0.98583984,"punctuated_word":"plus,","sentiment":"neutral","sentiment_score":0.024396732449531555},{"word":"you","start":801.185,"end":801.34503,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.015862371772527695},{"word":"know","start":801.34503,"end":801.665,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.02052324078977108},{"word":"hours","start":801.665,"end":802.165,"confidence":0.984375,"punctuated_word":"hours","sentiment":"neutral","sentiment_score":0.005342226475477219},{"word":"a","start":802.465,"end":802.625,"confidence":0.9375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01452973671257496},{"word":"week","start":802.625,"end":802.945,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.0169401615858078},{"word":"as","start":802.945,"end":803.185,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.019008181989192963},{"word":"well","start":803.185,"end":803.685,"confidence":0.99853516,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.031764961779117584},{"word":"yeah","start":804.945,"end":805.445,"confidence":0.951416,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09839297831058502},{"word":"so","start":806.03,"end":806.15,"confidence":0.9038086,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10196056962013245},{"word":"and","start":806.27,"end":806.43,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13875027000904083},{"word":"he","start":806.43,"end":806.67,"confidence":0.7753906,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.1807565838098526},{"word":"earns","start":806.67,"end":806.99,"confidence":0.5942383,"punctuated_word":"earns","sentiment":"neutral","sentiment_score":0.1654832363128662},{"word":"decent","start":806.99,"end":807.47003,"confidence":0.8935547,"punctuated_word":"decent","sentiment":"neutral","sentiment_score":0.3064977526664734},{"word":"money","start":807.47003,"end":807.97003,"confidence":0.8679199,"punctuated_word":"money,","sentiment":"positive","sentiment_score":0.4452216327190399},{"word":"which","start":808.03,"end":808.51,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.4017072319984436},{"word":"oh","start":809.15,"end":809.65,"confidence":0.71899414,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.3259717524051666},{"word":"yeah","start":811.23004,"end":811.71,"confidence":0.8520508,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.2520601451396942},{"word":"so","start":811.71,"end":812.03,"confidence":0.7590332,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.19515611231327057},{"word":"i","start":812.03,"end":812.19,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1469651162624359},{"word":"mean","start":812.19,"end":812.43,"confidence":0.93359375,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.190206378698349},{"word":"yes","start":812.43,"end":812.83,"confidence":0.7570801,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.21468758583068848},{"word":"ideally","start":812.83,"end":813.33,"confidence":0.97924805,"punctuated_word":"Ideally,","sentiment":"neutral","sentiment_score":0.159173846244812},{"word":"that's","start":813.39,"end":813.63,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1454848051071167},{"word":"why","start":813.63,"end":813.79004,"confidence":0.8833008,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.12150479108095168},{"word":"i","start":813.79004,"end":813.95,"confidence":0.60009766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1672886312007904},{"word":"guess","start":813.95,"end":814.11,"confidence":0.9941406,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":0.1868828535079956},{"word":"we","start":814.11,"end":814.35004,"confidence":0.9694824,"punctuated_word":"we,","sentiment":"neutral","sentiment_score":0.1428230255842209},{"word":"you","start":814.35004,"end":814.51,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1437135934829712},{"word":"know","start":814.51,"end":814.99,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.1641668975353241},{"word":"wanna","start":814.99,"end":815.31,"confidence":0.96875,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.2296023666858673},{"word":"try","start":815.31,"end":815.55,"confidence":0.9980469,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.18444734811782837},{"word":"and","start":815.55,"end":815.63,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2139957845211029},{"word":"get","start":815.63,"end":815.79004,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.18364983797073364},{"word":"this","start":815.79004,"end":816.03,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.20674705505371097},{"word":"investment","start":816.03,"end":816.51,"confidence":0.99609375,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.1477440893650055},{"word":"property","start":816.51,"end":816.99,"confidence":0.984375,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.17668287456035614},{"word":"working","start":816.99,"end":817.31,"confidence":0.99902344,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.19005000591278076},{"word":"better","start":817.31,"end":817.63,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.1402997076511383},{"word":"for","start":817.63,"end":817.87,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1985476016998291},{"word":"us","start":817.87,"end":818.325,"confidence":0.99609375,"punctuated_word":"us.","sentiment":"neutral","sentiment_score":0.04320593178272247},{"word":"okay","start":834.49,"end":834.99,"confidence":0.8498535,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.07385189831256866},{"word":"okay","start":839.05,"end":839.20996,"confidence":0.95996094,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.4343206286430359},{"word":"that","start":839.20996,"end":839.45,"confidence":0.9243164,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.6801652312278748},{"word":"sounds","start":839.45,"end":839.77,"confidence":0.99609375,"punctuated_word":"sounds","sentiment":"positive","sentiment_score":0.7479780316352844},{"word":"good","start":839.77,"end":840.27,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.6178714036941528},{"word":"yep","start":848.415,"end":848.915,"confidence":0.8510742,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10996678471565248},{"word":"i","start":863.75995,"end":863.92,"confidence":0.7998047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01750791072845459},{"word":"know","start":863.92,"end":864.07996,"confidence":0.9970703,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.008443314582109451},{"word":"it's","start":864.07996,"end":864.32,"confidence":0.9460449,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0033557391725480556},{"word":"just","start":864.32,"end":864.39996,"confidence":0.43920898,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.005345143377780914},{"word":"it's","start":864.48,"end":864.72,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.007776415906846523},{"word":"a","start":864.72,"end":864.8,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.019653694704174995},{"word":"lot","start":864.8,"end":864.95996,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.01241137832403183},{"word":"more","start":864.95996,"end":865.12,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.011522959917783735},{"word":"than","start":865.12,"end":865.36,"confidence":0.9980469,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.0008839964866638184},{"word":"me","start":865.36,"end":865.75995,"confidence":0.9980469,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.006357431411743164},{"word":"because","start":865.75995,"end":866.16,"confidence":0.4387207,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.011384230107069016},{"word":"i","start":866.16,"end":866.56,"confidence":0.97998047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.014704607427120209},{"word":"i","start":866.56,"end":866.8,"confidence":0.7167969,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.009006410837173462},{"word":"am","start":866.8,"end":866.88,"confidence":0.2902832,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.00834912434220314},{"word":"gonna","start":866.88,"end":867.19995,"confidence":0.98291016,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.012973584234714508},{"word":"have","start":867.19995,"end":867.36,"confidence":0.99609375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.011502008885145187},{"word":"my","start":867.36,"end":867.6,"confidence":0.99609375,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.0025959424674510956},{"word":"child","start":867.6,"end":867.83997,"confidence":0.9404297,"punctuated_word":"child","sentiment":"neutral","sentiment_score":0.02911858633160591},{"word":"and","start":867.83997,"end":868.33997,"confidence":0.7573242,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0038225948810577393},{"word":"work","start":868.56,"end":868.88,"confidence":0.6152344,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.013473432511091232},{"word":"part","start":868.88,"end":869.12,"confidence":0.99316406,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.023110300302505493},{"word":"time","start":869.12,"end":869.36,"confidence":0.9970703,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.03233831375837326},{"word":"for","start":869.36,"end":869.6,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.008770313113927841},{"word":"a","start":869.6,"end":869.68,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.016319772228598595},{"word":"while","start":869.68,"end":870.075,"confidence":0.99853516,"punctuated_word":"while.","sentiment":"neutral","sentiment_score":0.013217033818364143},{"word":"oh","start":870.075,"end":870.575,"confidence":0.6921387,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.015339411795139313},{"word":"gosh","start":871.91504,"end":872.235,"confidence":0.99609375,"punctuated_word":"gosh.","sentiment":"neutral","sentiment_score":0.007414563558995724},{"word":"i","start":872.235,"end":872.395,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.044006627053022385},{"word":"can't","start":872.395,"end":872.555,"confidence":1.0,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.05792730301618576},{"word":"think","start":872.555,"end":872.795,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.06037487834692001},{"word":"off","start":872.795,"end":873.03503,"confidence":0.8925781,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.05496443808078766},{"word":"the","start":873.03503,"end":873.115,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06657757610082626},{"word":"top","start":873.115,"end":873.275,"confidence":1.0,"punctuated_word":"top","sentiment":"neutral","sentiment_score":-0.046359311789274216},{"word":"of","start":873.275,"end":873.35504,"confidence":0.9667969,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07186145335435867},{"word":"my","start":873.35504,"end":873.515,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.06642357259988785},{"word":"head","start":873.515,"end":874.015,"confidence":0.9995117,"punctuated_word":"head.","sentiment":"neutral","sentiment_score":-0.0507223978638649},{"word":"yeah","start":875.515,"end":875.755,"confidence":0.9057617,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02948062494397163},{"word":"it's","start":875.755,"end":875.995,"confidence":0.9975586,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.019078534096479416},{"word":"something","start":875.995,"end":876.235,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.05399208888411522},{"word":"that","start":876.235,"end":876.47504,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05382171645760536},{"word":"i","start":876.47504,"end":876.555,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05686235800385475},{"word":"can","start":876.555,"end":876.795,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.047021955251693726},{"word":"ask","start":876.795,"end":877.03503,"confidence":0.99609375,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.054181940853595734},{"word":"him","start":877.03503,"end":877.275,"confidence":0.842041,"punctuated_word":"him,","sentiment":"neutral","sentiment_score":0.050456173717975616},{"word":"but","start":877.275,"end":877.435,"confidence":0.9199219,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":0.04701775312423706},{"word":"yeah","start":877.435,"end":877.755,"confidence":0.98950195,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.060290008783340454},{"word":"he","start":877.755,"end":877.995,"confidence":0.97314453,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.08386752009391785},{"word":"could","start":877.995,"end":878.315,"confidence":0.8852539,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.06264664232730865},{"word":"share","start":878.315,"end":878.815,"confidence":0.70202637,"punctuated_word":"share.","sentiment":"neutral","sentiment_score":0.046313077211380005},{"word":"but","start":879.03503,"end":879.35504,"confidence":0.8564453,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.03786767274141312},{"word":"i","start":879.35504,"end":879.435,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.033960938453674316},{"word":"mean","start":879.435,"end":879.755,"confidence":0.99902344,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.03245279937982559},{"word":"i'd","start":879.755,"end":879.91504,"confidence":0.99609375,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.05025101825594902},{"word":"say","start":879.91504,"end":880.155,"confidence":0.99609375,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.05470617115497589},{"word":"it's","start":880.155,"end":880.655,"confidence":0.9682617,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.06323358416557312},{"word":"over","start":880.715,"end":881.03503,"confidence":0.8828125,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.08470401912927628},{"word":"300,000","start":881.03503,"end":882.09503,"confidence":0.99527997,"punctuated_word":"300,000.","sentiment":"neutral","sentiment_score":0.0698673203587532},{"word":"yes","start":891.26,"end":891.76,"confidence":0.6359863,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.16710983216762543},{"word":"mhmm","start":893.1,"end":893.6,"confidence":0.9647217,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.059569984674453735},{"word":"yes","start":895.66,"end":895.995,"confidence":0.93310547,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.03150380402803421},{"word":"yep","start":899.515,"end":900.015,"confidence":0.8105469,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08980777114629745},{"word":"yep","start":905.435,"end":905.935,"confidence":0.9116211,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04374038428068161},{"word":"yep","start":906.635,"end":907.135,"confidence":0.7753906,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04185774177312851},{"word":"well","start":907.915,"end":908.15497,"confidence":0.967041,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.009202232584357262},{"word":"that's","start":908.15497,"end":908.635,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.004293551202863455},{"word":"not","start":908.635,"end":908.955,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.010608866810798643},{"word":"too","start":908.955,"end":909.195,"confidence":0.9970703,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.062316201627254486},{"word":"far","start":909.195,"end":909.515,"confidence":0.98291016,"punctuated_word":"far","sentiment":"neutral","sentiment_score":-0.06561067700386047},{"word":"off","start":909.515,"end":910.015,"confidence":0.93896484,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":-0.029767926782369617},{"word":"yes","start":910.54004,"end":911.04004,"confidence":0.83032227,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.056974753737449646},{"word":"yep","start":913.18,"end":913.68,"confidence":0.71191406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09991522878408432},{"word":"yeah","start":931.735,"end":932.235,"confidence":0.79589844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03406586870551109},{"word":"yes","start":933.255,"end":933.755,"confidence":0.9970703,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.01139458641409874},{"word":"yes","start":935.09503,"end":935.59503,"confidence":0.99853516,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.0033508529886603355},{"word":"mhmm","start":936.0,"end":936.5,"confidence":0.96325684,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.013333208858966827},{"word":"yep","start":942.96,"end":943.46,"confidence":0.7342529,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.10525896400213242},{"word":"yes","start":946.0,"end":946.5,"confidence":0.8935547,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.12443060427904128},{"word":"mhmm","start":946.64,"end":947.14,"confidence":0.9970703,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.14050137996673584},{"word":"yep","start":948.96,"end":949.46,"confidence":0.8183594,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.16229484975337982},{"word":"yep","start":950.865,"end":951.26495,"confidence":0.9838867,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1675618290901184},{"word":"absolutely","start":951.26495,"end":951.76495,"confidence":0.99902344,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.33232131600379944},{"word":"mhmm","start":952.14496,"end":952.64496,"confidence":0.975708,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.21599213778972623},{"word":"yep","start":958.14496,"end":958.64496,"confidence":0.9741211,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2546641230583191},{"word":"mhmm","start":965.09,"end":965.59,"confidence":0.9008789,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.09029868245124816},{"word":"yep","start":971.33,"end":971.83,"confidence":0.6783447,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07328654080629349},{"word":"okay","start":973.81,"end":974.31,"confidence":0.9797363,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.13530442118644714},{"word":"yep","start":974.45,"end":974.95,"confidence":0.8354492,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10710664093494417},{"word":"yep","start":985.505,"end":985.745,"confidence":0.9316406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13737325370311737},{"word":"yes","start":985.745,"end":986.245,"confidence":0.7442627,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1730126142501831},{"word":"yep","start":987.905,"end":988.405,"confidence":0.8183594,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1242254227399826},{"word":"mhmm","start":990.785,"end":991.2,"confidence":0.98706055,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.058094803243875504},{"word":"yep","start":991.52,"end":992.02,"confidence":0.83984375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13287176191806793},{"word":"yeah","start":999.76,"end":1000.16003,"confidence":0.94189453,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.018883224576711655},{"word":"not","start":1000.16003,"end":1000.4,"confidence":0.984375,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.14801761507987976},{"word":"not","start":1000.4,"end":1000.56,"confidence":0.99609375,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1391989439725876},{"word":"as","start":1000.56,"end":1000.8,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.14035391807556152},{"word":"much","start":1000.8,"end":1001.04004,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.11227314174175262},{"word":"as","start":1001.04004,"end":1001.28,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.1532217413187027},{"word":"i","start":1001.28,"end":1001.44,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.165235698223114},{"word":"should","start":1001.44,"end":1001.94,"confidence":0.9765625,"punctuated_word":"should.","sentiment":"neutral","sentiment_score":-0.15621276199817655},{"word":"i","start":1002.4,"end":1002.72003,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09297896921634674},{"word":"did","start":1002.72003,"end":1002.96,"confidence":0.63378906,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.09106148779392242},{"word":"a","start":1002.96,"end":1003.12,"confidence":0.21875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1556277871131897},{"word":"raise","start":1003.12,"end":1003.44,"confidence":0.27783203,"punctuated_word":"raise","sentiment":"neutral","sentiment_score":-0.20960409939289093},{"word":"of","start":1003.44,"end":1003.60004,"confidence":0.21691895,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.20020362734794617},{"word":"less","start":1003.60004,"end":1004.10004,"confidence":0.5975342,"punctuated_word":"less.","sentiment":"neutral","sentiment_score":-0.16556763648986816},{"word":"oh","start":1008.935,"end":1009.175,"confidence":0.95043945,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.09608321636915208},{"word":"wow","start":1009.175,"end":1009.675,"confidence":0.99609375,"punctuated_word":"wow.","sentiment":"neutral","sentiment_score":-0.017319753766059875},{"word":"yes","start":1010.615,"end":1011.115,"confidence":0.9350586,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.02249635010957718},{"word":"mhmm","start":1016.375,"end":1016.875,"confidence":0.9283447,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.04087141901254654},{"word":"i","start":1028.55,"end":1029.05,"confidence":0.3564453,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1807687282562256},{"word":"no","start":1030.7101,"end":1031.2101,"confidence":0.88012695,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.1667361855506897},{"word":"exactly","start":1032.55,"end":1033.05,"confidence":0.6134033,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":-0.026432082056999207},{"word":"yeah","start":1033.1901,"end":1033.6901,"confidence":0.68237305,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.045404814183712006},{"word":"i","start":1033.91,"end":1033.99,"confidence":0.78222656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10921944677829742},{"word":"think","start":1033.99,"end":1034.23,"confidence":0.96777344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.10214153677225112},{"word":"it","start":1034.23,"end":1034.31,"confidence":0.9892578,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.10568377375602722},{"word":"was","start":1034.31,"end":1034.47,"confidence":0.98828125,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.13771241903305054},{"word":"yeah","start":1034.55,"end":1034.79,"confidence":0.9628906,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.1034606471657753},{"word":"like","start":1034.79,"end":1035.135,"confidence":0.8461914,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.10628944635391235},{"word":"at","start":1035.215,"end":1035.535,"confidence":0.33374023,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.19140197336673737},{"word":"higher","start":1035.535,"end":1035.935,"confidence":0.96533203,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":-0.23378343880176544},{"word":"risk","start":1035.935,"end":1036.335,"confidence":0.99902344,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.196944922208786},{"word":"at","start":1036.335,"end":1036.495,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.21872833371162417},{"word":"the","start":1036.495,"end":1036.575,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15864676237106323},{"word":"moment","start":1036.575,"end":1037.075,"confidence":0.99902344,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.14313247799873352},{"word":"yep","start":1038.255,"end":1038.755,"confidence":0.9589844,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.005951453931629658},{"word":"yeah","start":1039.135,"end":1039.495,"confidence":0.99072266,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01779302768409252},{"word":"could","start":1039.495,"end":1039.855,"confidence":0.29882812,"punctuated_word":"Could","sentiment":"neutral","sentiment_score":0.014898959547281264},{"word":"yep","start":1046.175,"end":1046.675,"confidence":0.8613281,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11289964616298676},{"word":"okay","start":1047.615,"end":1048.115,"confidence":0.9790039,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.18511037528514865},{"word":"yeah","start":1050.39,"end":1050.5499,"confidence":0.9658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.033968500792980194},{"word":"i","start":1050.5499,"end":1050.63,"confidence":0.15197754,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09745624661445618},{"word":"pity","start":1050.63,"end":1050.87,"confidence":0.41479492,"punctuated_word":"pity","sentiment":"neutral","sentiment_score":-0.2108662575483322},{"word":"it","start":1050.87,"end":1050.95,"confidence":0.9316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1694793552160263},{"word":"was","start":1050.95,"end":1051.19,"confidence":0.6660156,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.29356393218040466},{"word":"an","start":1051.19,"end":1051.35,"confidence":0.90722656,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.30660203099250793},{"word":"oil","start":1051.35,"end":1051.85,"confidence":0.9946289,"punctuated_word":"oil.","sentiment":"neutral","sentiment_score":-0.29294294118881226},{"word":"yeah","start":1058.23,"end":1058.73,"confidence":0.8972168,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.021106064319610596},{"word":"yeah","start":1059.4299,"end":1059.9299,"confidence":0.86450195,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1844080090522766},{"word":"mhmm","start":1069.215,"end":1069.715,"confidence":0.95458984,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.13822266459465027},{"word":"yeah","start":1088.03,"end":1088.53,"confidence":0.7919922,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.4001835584640503},{"word":"not","start":1102.405,"end":1102.645,"confidence":0.44335938,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.06709356606006622},{"word":"off","start":1102.645,"end":1102.725,"confidence":0.9165039,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.05108506977558136},{"word":"the","start":1102.725,"end":1102.885,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04268040508031845},{"word":"top","start":1102.885,"end":1103.125,"confidence":0.99609375,"punctuated_word":"top","sentiment":"neutral","sentiment_score":-0.03901145979762077},{"word":"of","start":1103.125,"end":1103.285,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04337597265839577},{"word":"my","start":1103.285,"end":1103.525,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.04150158911943436},{"word":"head","start":1103.525,"end":1104.025,"confidence":0.9382324,"punctuated_word":"head.","sentiment":"neutral","sentiment_score":-0.048669155687093735},{"word":"i","start":1105.8201,"end":1105.9,"confidence":0.796875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.025060705840587616},{"word":"can","start":1105.9,"end":1106.06,"confidence":0.9863281,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.026342887431383133},{"word":"have","start":1106.06,"end":1106.22,"confidence":0.9863281,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.035101283341646194},{"word":"a","start":1106.22,"end":1106.3,"confidence":0.92089844,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.055423177778720856},{"word":"look","start":1106.3,"end":1106.8,"confidence":0.99072266,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":0.03501332923769951},{"word":"oh","start":1107.74,"end":1107.98,"confidence":0.67297363,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.004755565896630287},{"word":"yep","start":1107.98,"end":1108.48,"confidence":0.75097656,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":-0.004505214747041464},{"word":"yes","start":1121.665,"end":1122.165,"confidence":0.9741211,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.0122103588655591},{"word":"gotcha","start":1127.5851,"end":1128.0851,"confidence":0.9951172,"punctuated_word":"Gotcha.","sentiment":"neutral","sentiment_score":-0.053443413227796555},{"word":"yes","start":1128.2251,"end":1128.7251,"confidence":0.89575195,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.061017006635665894},{"word":"yep","start":1140.7999,"end":1141.2999,"confidence":0.8330078,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.248244971036911},{"word":"yep","start":1147.7749,"end":1148.2749,"confidence":0.939209,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.03213052079081535},{"word":"yep","start":1155.695,"end":1156.195,"confidence":0.8540039,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.03634902834892273},{"word":"yep","start":1158.975,"end":1159.475,"confidence":0.8156738,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03207781910896301},{"word":"yes","start":1159.615,"end":1160.07,"confidence":0.85791016,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.006647069007158279},{"word":"no","start":1164.23,"end":1164.47,"confidence":0.8828125,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2213691473007202},{"word":"that's","start":1164.47,"end":1164.71,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.019751396030187607},{"word":"good","start":1164.71,"end":1165.21,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":-0.011390239000320436},{"word":"mhmm","start":1173.0299,"end":1173.5299,"confidence":0.9869385,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.03010091558098793},{"word":"yep","start":1173.6699,"end":1174.1699,"confidence":0.9638672,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1352575421333313},{"word":"mhmm","start":1183.215,"end":1183.2949,"confidence":0.8907471,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.1711317002773285},{"word":"yep","start":1183.2949,"end":1183.7949,"confidence":0.64208984,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2621113061904907},{"word":"okay","start":1185.7749,"end":1186.2749,"confidence":0.99560547,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2371031492948532},{"word":"yeah","start":1198.79,"end":1199.27,"confidence":0.78930664,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17828324437141418},{"word":"okay","start":1199.27,"end":1199.77,"confidence":0.9741211,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.22663526237010956},{"word":"mhmm","start":1212.4851,"end":1212.7251,"confidence":0.9379883,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.03740847855806351},{"word":"yep","start":1212.7251,"end":1213.2251,"confidence":0.9057617,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.01851944997906685},{"word":"yep","start":1220.58,"end":1221.08,"confidence":0.81469727,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.005684363655745983},{"word":"it's","start":1222.18,"end":1222.5,"confidence":0.935791,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.07849808037281036},{"word":"hard","start":1222.5,"end":1222.82,"confidence":0.99609375,"punctuated_word":"hard","sentiment":"neutral","sentiment_score":-0.11155060678720474},{"word":"to","start":1222.82,"end":1222.98,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12462320923805235},{"word":"say","start":1222.98,"end":1223.48,"confidence":0.9902344,"punctuated_word":"say.","sentiment":"neutral","sentiment_score":-0.1302933394908905},{"word":"yeah","start":1225.995,"end":1226.495,"confidence":0.984375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.11144671589136124},{"word":"it's","start":1227.115,"end":1227.435,"confidence":0.94677734,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.15003639459609985},{"word":"a","start":1227.435,"end":1227.515,"confidence":0.92578125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.16194990277290344},{"word":"gamble","start":1227.515,"end":1227.915,"confidence":0.9289551,"punctuated_word":"gamble,","sentiment":"neutral","sentiment_score":-0.1377224624156952},{"word":"isn't","start":1227.915,"end":1228.235,"confidence":0.99658203,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.12020944058895112},{"word":"it","start":1228.235,"end":1228.555,"confidence":0.7949219,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.10565868020057678},{"word":"really","start":1228.555,"end":1229.055,"confidence":0.9885254,"punctuated_word":"really?","sentiment":"neutral","sentiment_score":-0.10859139263629912},{"word":"i","start":1229.355,"end":1229.515,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10118471086025238},{"word":"mean","start":1229.515,"end":1230.015,"confidence":0.8395996,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.08234955370426178},{"word":"because","start":1230.635,"end":1231.035,"confidence":0.9819336,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.07094214111566544},{"word":"i","start":1231.035,"end":1231.075,"confidence":0.86035156,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05608123540878296},{"word":"well","start":1231.115,"end":1231.275,"confidence":0.9848633,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.041022516787052155},{"word":"i'm","start":1231.275,"end":1231.515,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.02141275629401207},{"word":"turning","start":1231.515,"end":1231.835,"confidence":0.9980469,"punctuated_word":"turning","sentiment":"neutral","sentiment_score":0.032498329877853394},{"word":"50","start":1231.835,"end":1232.155,"confidence":0.75634766,"punctuated_word":"50","sentiment":"neutral","sentiment_score":0.009318962693214417},{"word":"this","start":1232.155,"end":1232.395,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.003059007227420807},{"word":"year","start":1232.395,"end":1232.895,"confidence":0.83862305,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.03669758886098862},{"word":"so","start":1232.955,"end":1233.455,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.004150819033384323},{"word":"yeah","start":1234.715,"end":1235.215,"confidence":0.99658203,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.009644446894526482},{"word":"hard","start":1236.3151,"end":1236.635,"confidence":0.5839844,"punctuated_word":"Hard","sentiment":"neutral","sentiment_score":-0.0571206733584404},{"word":"to","start":1236.635,"end":1236.795,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05585005506873131},{"word":"say","start":1236.795,"end":1237.295,"confidence":0.98291016,"punctuated_word":"say.","sentiment":"neutral","sentiment_score":-0.04136505722999573},{"word":"yeah","start":1240.4501,"end":1240.9501,"confidence":0.82592773,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.025938892737030983},{"word":"yeah","start":1247.49,"end":1247.65,"confidence":0.8508301,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.025108838453888893},{"word":"so","start":1247.65,"end":1248.05,"confidence":0.20495605,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.042678747326135635},{"word":"yeah","start":1248.13,"end":1248.63,"confidence":0.9370117,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.08745705336332321},{"word":"yes","start":1250.85,"end":1251.35,"confidence":0.79418945,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.09631704539060593},{"word":"okay","start":1251.645,"end":1251.765,"confidence":0.9875488,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.11479784548282625},{"word":"you","start":1251.765,"end":1251.885,"confidence":0.85498047,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.09792390465736388},{"word":"know","start":1251.885,"end":1252.125,"confidence":0.99316406,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.14884862303733826},{"word":"that","start":1252.125,"end":1252.625,"confidence":0.7324219,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21723762154579165},{"word":"stuff","start":1253.165,"end":1253.665,"confidence":0.77905273,"punctuated_word":"stuff.","sentiment":"neutral","sentiment_score":0.16832071542739868},{"word":"yes","start":1261.405,"end":1261.905,"confidence":0.9135742,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.09730301052331924},{"word":"okay","start":1262.285,"end":1262.685,"confidence":0.9904785,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.09527305513620377},{"word":"yep","start":1262.685,"end":1263.0851,"confidence":0.9543457,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08116190135478973},{"word":"alright","start":1263.0851,"end":1263.405,"confidence":0.9970703,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.00823170505464077},{"word":"let","start":1263.405,"end":1263.4851,"confidence":0.875,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":0.04011174663901329},{"word":"let's","start":1263.5651,"end":1263.805,"confidence":0.99853516,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.05100593715906143},{"word":"leave","start":1263.805,"end":1264.045,"confidence":0.7470703,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.05346338450908661},{"word":"it","start":1264.045,"end":1264.2051,"confidence":0.8388672,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.02876318246126175},{"word":"for","start":1264.2051,"end":1264.365,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.02788219042122364},{"word":"now","start":1264.365,"end":1264.525,"confidence":0.7401123,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.05280628055334091},{"word":"and","start":1264.525,"end":1264.765,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05173705518245697},{"word":"then","start":1264.765,"end":1265.005,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06344868242740631},{"word":"that's","start":1265.005,"end":1265.245,"confidence":0.98217773,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.06411071121692657},{"word":"why","start":1265.245,"end":1265.485,"confidence":1.0,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.060290031135082245},{"word":"we","start":1265.485,"end":1265.5651,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09958718717098236},{"word":"have","start":1265.5651,"end":1265.725,"confidence":0.9941406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1004587933421135},{"word":"these","start":1265.725,"end":1265.9651,"confidence":0.9589844,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.092697873711586},{"word":"annual","start":1265.9651,"end":1266.365,"confidence":0.9951172,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.08583499491214752},{"word":"reviews","start":1266.365,"end":1266.865,"confidence":0.9794922,"punctuated_word":"reviews.","sentiment":"neutral","sentiment_score":0.05404304713010788},{"word":"yep","start":1269.84,"end":1270.34,"confidence":0.76342773,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15363092720508575},{"word":"yes","start":1293.2051,"end":1293.685,"confidence":0.920166,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0839138776063919},{"word":"that","start":1293.685,"end":1293.8451,"confidence":0.9921875,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.06496164947748184},{"word":"would","start":1293.8451,"end":1294.005,"confidence":0.9980469,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.034018374979496},{"word":"be","start":1294.005,"end":1294.165,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.07085849344730377},{"word":"more","start":1294.165,"end":1294.405,"confidence":0.9970703,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.036324307322502136},{"word":"the","start":1294.405,"end":1294.5651,"confidence":0.96533203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07624831795692444},{"word":"case","start":1294.5651,"end":1294.885,"confidence":0.6879883,"punctuated_word":"case.","sentiment":"neutral","sentiment_score":0.1703779399394989},{"word":"for","start":1294.885,"end":1295.045,"confidence":0.95947266,"punctuated_word":"For","sentiment":"neutral","sentiment_score":0.17151735723018646},{"word":"sure","start":1295.045,"end":1295.365,"confidence":0.9921875,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":0.22269421815872192},{"word":"definitely","start":1295.365,"end":1295.865,"confidence":0.99902344,"punctuated_word":"Definitely.","sentiment":"neutral","sentiment_score":0.29512274265289307},{"word":"mhmm","start":1297.99,"end":1298.49,"confidence":0.93395996,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.15624023973941803},{"word":"yep","start":1302.9501,"end":1303.4501,"confidence":0.91552734,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.33014723658561707},{"word":"yep","start":1307.11,"end":1307.61,"confidence":0.9802246,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.3107452392578125},{"word":"yep","start":1310.7101,"end":1311.2101,"confidence":0.951416,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.23938915133476257},{"word":"sounds","start":1312.8351,"end":1313.155,"confidence":0.9160156,"punctuated_word":"Sounds","sentiment":"positive","sentiment_score":0.5783363580703735},{"word":"good","start":1313.155,"end":1313.4751,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4522116780281067},{"word":"yep","start":1313.4751,"end":1313.9751,"confidence":0.9523926,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1887400597333908},{"word":"yes","start":1321.9551,"end":1322.3551,"confidence":0.93774414,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.04706293344497681},{"word":"so","start":1322.3551,"end":1322.515,"confidence":0.43725586,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.028495602309703827},{"word":"i","start":1322.515,"end":1322.5951,"confidence":0.99121094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.021857239305973053},{"word":"know","start":1322.5951,"end":1322.8351,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.018514569848775864},{"word":"i've","start":1322.8351,"end":1322.995,"confidence":0.98535156,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.029378872364759445},{"word":"got","start":1322.995,"end":1323.235,"confidence":0.9951172,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.015134297311306},{"word":"that","start":1323.235,"end":1323.4751,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.024793416261672977},{"word":"there","start":1323.4751,"end":1323.9751,"confidence":0.96069336,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.02162035182118416},{"word":"so","start":1324.46,"end":1324.86,"confidence":0.70654297,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0595589205622673},{"word":"yes","start":1325.26,"end":1325.76,"confidence":0.9526367,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.07143033295869827},{"word":"whether","start":1326.14,"end":1326.64,"confidence":0.82958984,"punctuated_word":"Whether","sentiment":"neutral","sentiment_score":0.02128548733890057},{"word":"that's","start":1326.7001,"end":1327.1,"confidence":0.9616699,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.013587484136223791},{"word":"still","start":1327.1,"end":1327.6,"confidence":0.9494629,"punctuated_word":"still,","sentiment":"neutral","sentiment_score":0.004031714051961899},{"word":"i","start":1329.1,"end":1329.18,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.008238494396209717},{"word":"guess","start":1329.18,"end":1329.68,"confidence":0.9836426,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":0.021010447293519977},{"word":"relevant","start":1329.8201,"end":1330.3201,"confidence":0.76782227,"punctuated_word":"relevant,","sentiment":"neutral","sentiment_score":0.014181440696120262},{"word":"like","start":1330.62,"end":1330.9401,"confidence":0.72680664,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.022390995174646378},{"word":"the","start":1330.9401,"end":1331.42,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01831209659576416},{"word":"the","start":1331.42,"end":1331.66,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.013339020311832428},{"word":"amount","start":1331.66,"end":1332.06,"confidence":0.99609375,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.024602584540843964},{"word":"that","start":1332.06,"end":1332.22,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.015115786343812944},{"word":"it's","start":1332.22,"end":1332.62,"confidence":0.8679199,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.002991949673742056},{"word":"there","start":1332.62,"end":1332.9401,"confidence":0.94628906,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.0064939334988594055},{"word":"for","start":1332.9401,"end":1333.4401,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.008711189031600952},{"word":"or","start":1333.98,"end":1334.14,"confidence":0.640625,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.016938168555498123},{"word":"whether","start":1334.14,"end":1334.54,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.026528168469667435},{"word":"that","start":1334.54,"end":1334.7001,"confidence":0.9819336,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.027737513184547424},{"word":"can","start":1334.7001,"end":1334.9401,"confidence":0.8173828,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.04972623288631439},{"word":"be","start":1334.9401,"end":1335.1,"confidence":0.7675781,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.017324090003967285},{"word":"dropped","start":1335.1,"end":1335.42,"confidence":0.6801758,"punctuated_word":"dropped","sentiment":"neutral","sentiment_score":-0.019212327897548676},{"word":"down","start":1335.42,"end":1335.92,"confidence":0.8405762,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":0.010978341102600098},{"word":"yes","start":1336.3,"end":1336.78,"confidence":0.75561523,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.11255256831645966},{"word":"yep","start":1336.78,"end":1337.025,"confidence":0.92089844,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10703647136688232},{"word":"yep","start":1345.985,"end":1346.485,"confidence":0.9165039,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11993511766195296},{"word":"mhmm","start":1354.28,"end":1354.78,"confidence":0.9407959,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.06860056519508362},{"word":"yeah","start":1355.48,"end":1355.98,"confidence":0.84521484,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08151648193597794},{"word":"okay","start":1361.48,"end":1361.98,"confidence":0.79003906,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.056108828634023666},{"word":"which","start":1364.2,"end":1364.6,"confidence":0.2512207,"punctuated_word":"Which","sentiment":"neutral","sentiment_score":0.02164210006594658},{"word":"book","start":1364.6,"end":1365.1,"confidence":0.798584,"punctuated_word":"book?","sentiment":"neutral","sentiment_score":0.02383729442954063},{"word":"mhmm","start":1366.04,"end":1366.54,"confidence":0.99975586,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.05675927549600601},{"word":"okay","start":1373.985,"end":1374.385,"confidence":0.84350586,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.10131621360778809},{"word":"yep","start":1374.385,"end":1374.885,"confidence":0.88842773,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0962289422750473},{"word":"yeah","start":1377.025,"end":1377.525,"confidence":0.94873047,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.006050996482372284},{"word":"i","start":1381.13,"end":1381.21,"confidence":0.8071289,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07254000008106232},{"word":"get","start":1381.21,"end":1381.45,"confidence":0.50390625,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.08989608287811279},{"word":"older","start":1381.45,"end":1381.95,"confidence":0.97436523,"punctuated_word":"older.","sentiment":"neutral","sentiment_score":-0.04604227468371391},{"word":"yeah","start":1382.17,"end":1382.67,"confidence":0.9880371,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.009310184977948666},{"word":"yes","start":1385.77,"end":1386.27,"confidence":0.8312988,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.06821607053279877},{"word":"yep","start":1386.41,"end":1386.91,"confidence":0.8256836,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05962875485420227},{"word":"mhmm","start":1387.21,"end":1387.71,"confidence":0.99780273,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.04565062373876572},{"word":"mhmm","start":1391.53,"end":1392.03,"confidence":0.9935303,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.018396448343992233},{"word":"yes","start":1394.3451,"end":1394.8251,"confidence":0.75634766,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1122964695096016},{"word":"yep","start":1394.8251,"end":1395.145,"confidence":0.8901367,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17076711356639862},{"word":"is","start":1395.145,"end":1395.305,"confidence":0.9902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.20179253816604617},{"word":"it","start":1395.305,"end":1395.4651,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2614765167236328},{"word":"worth","start":1395.4651,"end":1395.785,"confidence":0.9941406,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.15768314898014069},{"word":"doing","start":1395.785,"end":1396.025,"confidence":0.9970703,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.1592257022857666},{"word":"that","start":1396.025,"end":1396.425,"confidence":0.892334,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.15428617596626282},{"word":"yep","start":1396.425,"end":1396.925,"confidence":0.93115234,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.054272107779979706},{"word":"okay","start":1400.8251,"end":1401.3251,"confidence":0.9326172,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.03209421783685684},{"word":"gotcha","start":1401.4651,"end":1401.9651,"confidence":0.9951172,"punctuated_word":"Gotcha.","sentiment":"neutral","sentiment_score":0.0019662827253341675},{"word":"yep","start":1402.1051,"end":1402.6051,"confidence":0.8781738,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.013313598930835724},{"word":"yeah","start":1408.5851,"end":1408.98,"confidence":0.7741699,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.024314796552062035},{"word":"possibly","start":1416.98,"end":1417.48,"confidence":0.95410156,"punctuated_word":"Possibly.","sentiment":"neutral","sentiment_score":-0.08925698697566986},{"word":"yes","start":1424.0651,"end":1424.5651,"confidence":0.7895508,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.040202703326940536},{"word":"mhmm","start":1433.425,"end":1433.585,"confidence":0.98461914,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.007031258195638657},{"word":"yes","start":1433.585,"end":1434.085,"confidence":0.88256836,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.05268584191799164},{"word":"maybe","start":1439.31,"end":1439.63,"confidence":0.94970703,"punctuated_word":"Maybe","sentiment":"neutral","sentiment_score":-0.03248918056488037},{"word":"we'll","start":1439.63,"end":1439.79,"confidence":0.9848633,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":-0.011135978624224665},{"word":"leave","start":1439.79,"end":1440.03,"confidence":0.9980469,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.0361657552421093},{"word":"it","start":1440.03,"end":1440.11,"confidence":0.9536133,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.049315568059682846},{"word":"for","start":1440.11,"end":1440.35,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.04224110022187233},{"word":"another","start":1440.35,"end":1440.67,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.039423078298568726},{"word":"year","start":1440.67,"end":1440.83,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.02122075855731964},{"word":"and","start":1440.83,"end":1441.07,"confidence":0.6323242,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0026836954057216644},{"word":"then","start":1441.07,"end":1441.23,"confidence":0.9970703,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.012133855372667313},{"word":"we'll","start":1441.23,"end":1441.47,"confidence":0.9980469,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":-0.0016525860410183668},{"word":"see","start":1441.47,"end":1441.95,"confidence":0.9748535,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":0.01016848348081112},{"word":"well","start":1441.95,"end":1442.19,"confidence":0.6188965,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.05498729646205902},{"word":"yeah","start":1442.19,"end":1442.43,"confidence":0.86572266,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.08820943534374237},{"word":"we'll","start":1442.43,"end":1442.59,"confidence":0.9975586,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.10369151085615158},{"word":"keep","start":1442.59,"end":1442.75,"confidence":0.9980469,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.11185462772846222},{"word":"an","start":1442.75,"end":1442.91,"confidence":0.95410156,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.10397061705589294},{"word":"eye","start":1442.91,"end":1443.07,"confidence":0.9980469,"punctuated_word":"eye","sentiment":"neutral","sentiment_score":0.07892360538244247},{"word":"on","start":1443.07,"end":1443.15,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.10414233803749084},{"word":"it","start":1443.15,"end":1443.31,"confidence":0.9921875,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.08331746608018875},{"word":"we'll","start":1443.31,"end":1443.47,"confidence":0.98339844,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.07457728683948517},{"word":"leave","start":1443.47,"end":1443.55,"confidence":0.98095703,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.05749055743217468},{"word":"it","start":1443.55,"end":1443.71,"confidence":0.82666016,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03854150325059891},{"word":"over","start":1443.71,"end":1443.95,"confidence":0.71484375,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.05386738479137421},{"word":"this","start":1443.95,"end":1444.19,"confidence":0.6640625,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.03644814342260361},{"word":"then","start":1444.19,"end":1444.69,"confidence":0.9748535,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":0.06908354163169861},{"word":"yep","start":1444.91,"end":1445.41,"confidence":0.82373047,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09277652949094772},{"word":"mhmm","start":1448.19,"end":1448.69,"confidence":0.9840088,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.047100767493247986},{"word":"yeah","start":1451.1449,"end":1451.6449,"confidence":0.78027344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.042416684329509735},{"word":"yeah","start":1458.9049,"end":1459.1449,"confidence":0.7770996,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.059653088450431824},{"word":"yeah","start":1459.1449,"end":1459.465,"confidence":0.97021484,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09945748001337051},{"word":"absolutely","start":1459.465,"end":1459.965,"confidence":0.9025879,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.15546196699142456},{"word":"yep","start":1465.3,"end":1465.8,"confidence":0.76831055,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.062492068856954575},{"word":"yep","start":1466.66,"end":1467.16,"confidence":0.7253418,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03837473317980766},{"word":"mhmm","start":1468.8201,"end":1469.3201,"confidence":0.98742676,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.033549707382917404},{"word":"yep","start":1470.18,"end":1470.68,"confidence":0.9707031,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02978472411632538},{"word":"yes","start":1471.86,"end":1472.36,"confidence":0.87353516,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.07537730038166046},{"word":"gotcha","start":1474.1,"end":1474.6,"confidence":0.99609375,"punctuated_word":"Gotcha.","sentiment":"neutral","sentiment_score":0.05549587309360504},{"word":"yeah","start":1474.66,"end":1474.8201,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06786070764064789},{"word":"no","start":1474.8201,"end":1475.06,"confidence":0.94189453,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.08231550455093384},{"word":"that","start":1475.06,"end":1475.14,"confidence":0.90771484,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.25644153356552124},{"word":"sounds","start":1475.14,"end":1475.46,"confidence":0.91259766,"punctuated_word":"sounds","sentiment":"positive","sentiment_score":0.3699134290218353},{"word":"good","start":1475.46,"end":1475.96,"confidence":0.9921875,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2121893465518951},{"word":"yep","start":1482.355,"end":1482.855,"confidence":0.84106445,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.008587084710597992},{"word":"i","start":1486.755,"end":1486.915,"confidence":0.9863281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08032022416591644},{"word":"would","start":1486.915,"end":1487.155,"confidence":0.99316406,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.06890766322612762},{"word":"imagine","start":1487.155,"end":1487.655,"confidence":0.9794922,"punctuated_word":"imagine.","sentiment":"neutral","sentiment_score":-0.026558980345726013},{"word":"yeah","start":1487.875,"end":1488.375,"confidence":0.99316406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04009757563471794},{"word":"okay","start":1495.68,"end":1496.18,"confidence":0.79052734,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.028210658580064777},{"word":"yes","start":1508.56,"end":1509.06,"confidence":0.6647949,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.04608897119760513},{"word":"yes","start":1509.245,"end":1509.645,"confidence":0.97021484,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.055447280406951904},{"word":"without","start":1509.645,"end":1510.045,"confidence":0.99121094,"punctuated_word":"Without","sentiment":"neutral","sentiment_score":0.0528242290019989},{"word":"a","start":1510.045,"end":1510.125,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.007233824580907822},{"word":"doubt","start":1510.125,"end":1510.625,"confidence":0.99902344,"punctuated_word":"doubt.","sentiment":"neutral","sentiment_score":0.06539817154407501},{"word":"no","start":1516.765,"end":1517.0851,"confidence":0.9946289,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.14820808172225952},{"word":"that's","start":1517.0851,"end":1517.405,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.13185670971870422},{"word":"how","start":1517.405,"end":1517.5651,"confidence":0.9970703,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.12964579463005066},{"word":"i","start":1517.5651,"end":1517.645,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13909338414669037},{"word":"got","start":1517.645,"end":1517.9651,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.13040807843208313},{"word":"done","start":1517.9651,"end":1518.4651,"confidence":0.9658203,"punctuated_word":"done","sentiment":"neutral","sentiment_score":-0.1041339784860611},{"word":"when","start":1518.525,"end":1518.925,"confidence":0.9970703,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.08123807609081268},{"word":"i","start":1518.925,"end":1519.0851,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09352319687604904},{"word":"was","start":1519.0851,"end":1519.3251,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.06511138379573822},{"word":"with","start":1519.3251,"end":1519.7251,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.0867486298084259},{"word":"rest","start":1519.7251,"end":1520.2251,"confidence":0.5111084,"punctuated_word":"Rest.","sentiment":"neutral","sentiment_score":-0.08547177165746689},{"word":"and","start":1520.765,"end":1521.265,"confidence":0.9873047,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.06994015723466873},{"word":"i","start":1521.485,"end":1521.645,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05493860691785813},{"word":"was","start":1521.645,"end":1521.805,"confidence":0.97802734,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.04605754464864731},{"word":"paying","start":1521.805,"end":1522.2051,"confidence":0.8647461,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.06210742145776749},{"word":"income","start":1522.2051,"end":1522.605,"confidence":0.90478516,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.07955247908830643},{"word":"protection","start":1522.605,"end":1523.105,"confidence":0.8095703,"punctuated_word":"protection,","sentiment":"neutral","sentiment_score":-0.05667532980442047},{"word":"and","start":1523.245,"end":1523.405,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06525105237960815},{"word":"then","start":1523.405,"end":1523.7251,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.05694144964218139},{"word":"i","start":1523.7251,"end":1523.885,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07731325179338455},{"word":"went","start":1523.885,"end":1524.125,"confidence":0.99902344,"punctuated_word":"went","sentiment":"neutral","sentiment_score":-0.06604687869548798},{"word":"on","start":1524.125,"end":1524.365,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.06534071266651154},{"word":"the","start":1524.365,"end":1524.69,"confidence":0.6064453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05694923922419548},{"word":"10","start":1524.7699,"end":1524.9299,"confidence":0.6591797,"punctuated_word":"10","sentiment":"neutral","sentiment_score":-0.04353594779968262},{"word":"early","start":1524.9299,"end":1525.1699,"confidence":0.17907715,"punctuated_word":"early","sentiment":"neutral","sentiment_score":-0.06866779178380966},{"word":"lead","start":1525.1699,"end":1525.4099,"confidence":0.51171875,"punctuated_word":"lead.","sentiment":"neutral","sentiment_score":-0.05379380285739899},{"word":"they","start":1525.4099,"end":1525.6499,"confidence":0.83203125,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.06726989150047302},{"word":"went","start":1525.6499,"end":1525.97,"confidence":0.99316406,"punctuated_word":"went","sentiment":"neutral","sentiment_score":-0.06395218521356583},{"word":"back","start":1525.97,"end":1526.21,"confidence":0.95947266,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.04845154285430908},{"word":"part","start":1526.21,"end":1526.5299,"confidence":0.6694336,"punctuated_word":"part","sentiment":"neutral","sentiment_score":-0.07019256055355072},{"word":"time","start":1526.5299,"end":1526.9299,"confidence":0.80444336,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.11193639785051346},{"word":"and","start":1526.9299,"end":1527.1699,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.13455377519130707},{"word":"it","start":1527.1699,"end":1527.25,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.13617658615112305},{"word":"just","start":1527.25,"end":1527.6499,"confidence":0.99316406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.13870719075202942},{"word":"all","start":1527.6499,"end":1527.8899,"confidence":0.96875,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.1426132619380951},{"word":"stayed","start":1527.8899,"end":1528.1299,"confidence":0.7441406,"punctuated_word":"stayed","sentiment":"neutral","sentiment_score":-0.16169056296348572},{"word":"the","start":1528.1299,"end":1528.2899,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17701736092567444},{"word":"same","start":1528.2899,"end":1528.61,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.15974925458431244},{"word":"because","start":1528.61,"end":1529.11,"confidence":0.9255371,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":-0.1748887598514557},{"word":"you","start":1529.8099,"end":1529.8899,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.20980951189994812},{"word":"know","start":1529.8899,"end":1530.21,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.21428298950195312},{"word":"that's","start":1530.21,"end":1530.45,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.26051557064056396},{"word":"not","start":1530.45,"end":1530.69,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2632997930049896},{"word":"where","start":1530.69,"end":1530.9299,"confidence":0.9941406,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.2444407194852829},{"word":"my","start":1530.9299,"end":1531.09,"confidence":0.9970703,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.24238106608390808},{"word":"head","start":1531.09,"end":1531.33,"confidence":0.9970703,"punctuated_word":"head","sentiment":"neutral","sentiment_score":-0.21063990890979767},{"word":"was","start":1531.33,"end":1531.57,"confidence":0.9086914,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.2289540022611618},{"word":"at","start":1531.57,"end":1532.07,"confidence":0.87939453,"punctuated_word":"at.","sentiment":"neutral","sentiment_score":-0.227852463722229},{"word":"and","start":1532.85,"end":1533.1699,"confidence":0.80908203,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.13313454389572144},{"word":"so","start":1533.1699,"end":1533.33,"confidence":0.99609375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.11555491387844086},{"word":"i","start":1533.33,"end":1533.4099,"confidence":0.9707031,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13095656037330627},{"word":"went","start":1533.4099,"end":1533.6499,"confidence":0.9980469,"punctuated_word":"went","sentiment":"neutral","sentiment_score":-0.1175358146429062},{"word":"from","start":1533.6499,"end":1533.8899,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.11020036786794662},{"word":"playing","start":1533.8899,"end":1534.2899,"confidence":0.53271484,"punctuated_word":"playing.","sentiment":"neutral","sentiment_score":-0.12461348623037338},{"word":"yeah","start":1534.2899,"end":1534.61,"confidence":0.79907227,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.10190417617559432},{"word":"and","start":1534.61,"end":1534.7699,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.1505252867937088},{"word":"it","start":1534.7699,"end":1534.9299,"confidence":0.98095703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.16324859857559204},{"word":"was","start":1534.9299,"end":1535.1699,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.15610365569591522},{"word":"just","start":1535.1699,"end":1535.4099,"confidence":0.9716797,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1898311972618103},{"word":"so","start":1535.4099,"end":1535.57,"confidence":0.95703125,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.2580645680427551},{"word":"much","start":1535.57,"end":1535.8099,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.3001699149608612},{"word":"money","start":1535.8099,"end":1536.0499,"confidence":0.99902344,"punctuated_word":"money","sentiment":"negative","sentiment_score":-0.3791992962360382},{"word":"went","start":1536.0499,"end":1536.2899,"confidence":0.90722656,"punctuated_word":"went","sentiment":"negative","sentiment_score":-0.3641895353794098},{"word":"down","start":1536.2899,"end":1536.45,"confidence":0.9980469,"punctuated_word":"down","sentiment":"negative","sentiment_score":-0.40175604820251465},{"word":"the","start":1536.45,"end":1536.61,"confidence":0.9941406,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4398348927497864},{"word":"drain","start":1536.61,"end":1537.11,"confidence":0.99560547,"punctuated_word":"drain.","sentiment":"negative","sentiment_score":-0.36837664246559143},{"word":"yep","start":1546.755,"end":1547.255,"confidence":0.98657227,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.0316443145275116},{"word":"no","start":1547.395,"end":1547.895,"confidence":0.82958984,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.19350603222846985},{"word":"mhmm","start":1549.475,"end":1549.975,"confidence":0.95373535,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.09615536779165268},{"word":"no","start":1550.675,"end":1551.0751,"confidence":0.9655762,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.18193115293979645},{"word":"mm-mm","start":1551.0751,"end":1551.555,"confidence":0.9609375,"punctuated_word":"Mm-mm.","sentiment":"neutral","sentiment_score":-0.08768431097269058},{"word":"yep","start":1551.555,"end":1551.93,"confidence":0.8605957,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.02839133702218533},{"word":"i","start":1569.595,"end":1569.755,"confidence":0.640625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03044768050312996},{"word":"guess","start":1569.755,"end":1570.075,"confidence":0.9980469,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":-0.027588317170739177},{"word":"what","start":1570.075,"end":1570.395,"confidence":0.3647461,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.029713818803429604},{"word":"is","start":1570.395,"end":1570.595,"confidence":0.8535156,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03918237239122391},{"word":"what","start":1570.795,"end":1570.955,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.03076835162937641},{"word":"would","start":1570.955,"end":1571.195,"confidence":0.98095703,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.03699176013469696},{"word":"the","start":1571.195,"end":1571.355,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03322151303291321},{"word":"cost","start":1571.355,"end":1571.755,"confidence":0.98828125,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.025501148775219917},{"word":"be","start":1571.755,"end":1572.255,"confidence":0.99316406,"punctuated_word":"be?","sentiment":"neutral","sentiment_score":-0.047206319868564606},{"word":"okay","start":1581.595,"end":1582.095,"confidence":0.767334,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.0024052970111370087},{"word":"yeah","start":1584.1,"end":1584.6,"confidence":0.9921875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.017040565609931946},{"word":"i'd","start":1585.5399,"end":1586.0399,"confidence":0.65319824,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.08011152595281601},{"word":"not","start":1588.26,"end":1588.4199,"confidence":0.8408203,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.122907355427742},{"word":"at","start":1588.4199,"end":1588.58,"confidence":0.9658203,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.19531813263893127},{"word":"this","start":1588.58,"end":1588.82,"confidence":0.9951172,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.19405023753643036},{"word":"stage","start":1588.82,"end":1589.1399,"confidence":0.7949219,"punctuated_word":"stage.","sentiment":"neutral","sentiment_score":-0.18512225151062012},{"word":"i","start":1589.1399,"end":1589.2999,"confidence":0.98828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.18488019704818728},{"word":"don't","start":1589.2999,"end":1589.5399,"confidence":0.9885254,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.13322433829307556},{"word":"see","start":1589.5399,"end":1589.6199,"confidence":0.48339844,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.11907884478569032},{"word":"i","start":1589.7,"end":1589.7799,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12307289987802504},{"word":"mean","start":1589.7799,"end":1590.0199,"confidence":0.9609375,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.0950527936220169},{"word":"yes","start":1590.0199,"end":1590.34,"confidence":0.92211914,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":-0.06829066574573517},{"word":"look","start":1590.34,"end":1590.58,"confidence":0.7788086,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":-0.002208661288022995},{"word":"ideally","start":1590.58,"end":1591.08,"confidence":0.92700195,"punctuated_word":"Ideally,","sentiment":"neutral","sentiment_score":0.10554777085781096},{"word":"love","start":1591.38,"end":1591.62,"confidence":0.9116211,"punctuated_word":"love","sentiment":"neutral","sentiment_score":0.2633870244026184},{"word":"it","start":1591.62,"end":1591.94,"confidence":0.9812012,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.13503514230251312},{"word":"we'd","start":1591.94,"end":1592.1799,"confidence":0.5793457,"punctuated_word":"We'd","sentiment":"neutral","sentiment_score":0.11400549113750458},{"word":"love","start":1592.1799,"end":1592.4199,"confidence":0.65234375,"punctuated_word":"love","sentiment":"neutral","sentiment_score":0.1625810265541077},{"word":"to","start":1592.4199,"end":1592.58,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10262449830770493},{"word":"put","start":1592.58,"end":1592.82,"confidence":0.9980469,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.07606804370880127},{"word":"that","start":1592.82,"end":1592.98,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.030822385102510452},{"word":"on","start":1592.98,"end":1593.1399,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.060640428215265274},{"word":"there","start":1593.1399,"end":1593.46,"confidence":0.9980469,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.033319368958473206},{"word":"and","start":1593.46,"end":1593.96,"confidence":0.98828125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.013076551258563995},{"word":"cover","start":1594.0199,"end":1594.34,"confidence":0.99609375,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.01745574176311493},{"word":"it","start":1594.34,"end":1594.4199,"confidence":0.73046875,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.007654033601284027},{"word":"but","start":1594.4199,"end":1594.6599,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.024967335164546967},{"word":"yeah","start":1594.74,"end":1595.1399,"confidence":0.99658203,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.007198529317975044},{"word":"another","start":1595.1399,"end":1595.6399,"confidence":0.96435547,"punctuated_word":"Another","sentiment":"neutral","sentiment_score":-0.00006877630949020386},{"word":"100","start":1595.7799,"end":1596.1,"confidence":0.875,"punctuated_word":"100","sentiment":"neutral","sentiment_score":0.002571001648902893},{"word":"to","start":1596.1,"end":1596.34,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.007030896842479706},{"word":"200","start":1596.34,"end":1596.98,"confidence":0.96899414,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.01723065972328186},{"word":"a","start":1596.98,"end":1597.1399,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.009101970121264458},{"word":"month","start":1597.1399,"end":1597.46,"confidence":0.9980469,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.0231163427233696},{"word":"out","start":1597.46,"end":1597.62,"confidence":0.9980469,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.04515516012907028},{"word":"of","start":1597.62,"end":1598.025,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.010696209967136385},{"word":"what","start":1599.145,"end":1599.385,"confidence":0.98095703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.015148192644119264},{"word":"i","start":1599.385,"end":1599.545,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01460368186235428},{"word":"earn","start":1599.545,"end":1600.045,"confidence":0.89990234,"punctuated_word":"earn","sentiment":"neutral","sentiment_score":-0.0075935497879982},{"word":"is","start":1600.5851,"end":1600.905,"confidence":0.96533203,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.00569499284029007},{"word":"yeah","start":1600.985,"end":1601.485,"confidence":0.87280273,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.015770457684993744},{"word":"i","start":1601.785,"end":1601.9451,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0009234324097633362},{"word":"mean","start":1601.9451,"end":1602.4451,"confidence":0.98706055,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.0242902934551239},{"word":"all","start":1602.8251,"end":1602.985,"confidence":0.8984375,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.04382641613483429},{"word":"that","start":1602.985,"end":1603.225,"confidence":0.68847656,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.007978051900863647},{"word":"money","start":1603.225,"end":1603.465,"confidence":0.99609375,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.027076013386249546},{"word":"goes","start":1603.465,"end":1603.7051,"confidence":0.9941406,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.03878217935562134},{"word":"in","start":1603.7051,"end":1603.9451,"confidence":0.96435547,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05474809557199478},{"word":"together","start":1603.9451,"end":1604.345,"confidence":0.99902344,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.037746913731098175},{"word":"anyway","start":1604.345,"end":1604.845,"confidence":0.8222656,"punctuated_word":"anyway,","sentiment":"neutral","sentiment_score":0.006108719855546951},{"word":"but","start":1604.905,"end":1605.405,"confidence":0.89404297,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":0.001584663987159729},{"word":"yes","start":1606.025,"end":1606.505,"confidence":0.8391113,"punctuated_word":"yes,","sentiment":"neutral","sentiment_score":0.049319587647914886},{"word":"i","start":1606.505,"end":1606.665,"confidence":0.9472656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03457771986722946},{"word":"think","start":1606.665,"end":1606.905,"confidence":0.99609375,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.0282551571726799},{"word":"we'll","start":1606.905,"end":1607.0651,"confidence":0.77978516,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.033256035298109055},{"word":"just","start":1607.0651,"end":1607.305,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05698668956756592},{"word":"try","start":1607.305,"end":1607.465,"confidence":0.9941406,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.012953124940395355},{"word":"and","start":1607.465,"end":1607.625,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0156061053276062},{"word":"get","start":1607.625,"end":1607.785,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.019567467272281647},{"word":"this","start":1607.785,"end":1608.025,"confidence":0.9921875,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.05496100336313248},{"word":"house","start":1608.025,"end":1608.525,"confidence":0.93408203,"punctuated_word":"house","sentiment":"neutral","sentiment_score":0.0018450915813446045},{"word":"paid","start":1609.145,"end":1609.465,"confidence":0.9902344,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.00034972280263900757},{"word":"off","start":1609.465,"end":1609.965,"confidence":0.970459,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":-0.02221454679965973},{"word":"yeah","start":1611.305,"end":1611.625,"confidence":0.920166,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0910751149058342},{"word":"so","start":1611.625,"end":1611.785,"confidence":0.9863281,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14970272779464722},{"word":"that","start":1611.785,"end":1612.025,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2659797668457031},{"word":"would","start":1612.025,"end":1612.265,"confidence":0.9970703,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.33603614568710327},{"word":"make","start":1612.265,"end":1612.505,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.24899597465991977},{"word":"a","start":1612.505,"end":1612.665,"confidence":0.9589844,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.24174505472183228},{"word":"difference","start":1612.665,"end":1613.145,"confidence":0.97802734,"punctuated_word":"difference.","sentiment":"neutral","sentiment_score":0.21462121605873108},{"word":"yeah","start":1613.145,"end":1613.465,"confidence":0.8339844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17540466785430908},{"word":"mhmm","start":1613.465,"end":1613.965,"confidence":0.95214844,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.1835238486528397},{"word":"mhmm","start":1621.52,"end":1622.02,"confidence":0.9937744,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.005864027887582779},{"word":"okay","start":1628.895,"end":1629.395,"confidence":0.91796875,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.014323652721941473},{"word":"yes","start":1635.9675,"end":1636.4675,"confidence":0.9863281,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1581900119781494},{"word":"sure","start":1649.04,"end":1649.54,"confidence":0.6296387,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.025543993338942528},{"word":"yep","start":1650.56,"end":1651.04,"confidence":0.79296875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07263835519552231},{"word":"okay","start":1651.04,"end":1651.54,"confidence":0.9863281,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.12403436005115508},{"word":"mhmm","start":1657.005,"end":1657.505,"confidence":0.9227295,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.08062268793582916},{"word":"no","start":1659.1649,"end":1659.6649,"confidence":0.97387695,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.015783511102199554},{"word":"so","start":1659.885,"end":1660.0449,"confidence":0.36791992,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06815207749605179},{"word":"yeah","start":1660.2849,"end":1660.7849,"confidence":0.9382324,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.10073543339967728},{"word":"sounding","start":1660.845,"end":1661.245,"confidence":0.70532227,"punctuated_word":"Sounding","sentiment":"neutral","sentiment_score":0.2386050820350647},{"word":"all","start":1661.245,"end":1661.4049,"confidence":0.9604492,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.31273895502090454},{"word":"good","start":1661.4049,"end":1661.6449,"confidence":0.9921875,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4106990396976471},{"word":"at","start":1661.6449,"end":1661.8049,"confidence":0.9902344,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.4212307929992676},{"word":"the","start":1661.8049,"end":1661.885,"confidence":0.9970703,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.46634361147880554},{"word":"moment","start":1661.885,"end":1662.385,"confidence":0.9970703,"punctuated_word":"moment.","sentiment":"positive","sentiment_score":0.3721656799316406},{"word":"yeah","start":1669.1649,"end":1669.53,"confidence":0.90283203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.052077263593673706},{"word":"yeah","start":1669.93,"end":1669.97,"confidence":0.86035156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04599625617265701},{"word":"it's","start":1669.97,"end":1670.01,"confidence":0.4798584,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.01389830093830824},{"word":"been","start":1670.01,"end":1670.3301,"confidence":0.96875,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.00506388396024704},{"word":"quite","start":1670.3301,"end":1670.65,"confidence":0.9770508,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.03428387641906738},{"word":"some","start":1670.65,"end":1670.89,"confidence":0.9013672,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.05766799673438072},{"word":"time","start":1670.89,"end":1671.39,"confidence":0.97875977,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.028888307511806488},{"word":"and","start":1671.61,"end":1671.93,"confidence":0.6657715,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.006832323968410492},{"word":"yes","start":1671.93,"end":1672.25,"confidence":0.94140625,"punctuated_word":"yes,","sentiment":"neutral","sentiment_score":0.0341721773147583},{"word":"i","start":1672.25,"end":1672.3301,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01845724880695343},{"word":"mean","start":1672.3301,"end":1672.5701,"confidence":0.9638672,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.03573164343833923},{"word":"the","start":1672.5701,"end":1672.73,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05140164494514465},{"word":"market","start":1672.73,"end":1673.13,"confidence":0.99902344,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.051719218492507935},{"word":"has","start":1673.13,"end":1673.53,"confidence":0.7873535,"punctuated_word":"has,","sentiment":"neutral","sentiment_score":-0.058895014226436615},{"word":"yeah","start":1673.53,"end":1674.03,"confidence":0.92578125,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.056948233395814896},{"word":"been","start":1674.5701,"end":1675.05,"confidence":0.8828125,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.14750422537326813},{"word":"hit","start":1675.05,"end":1675.29,"confidence":0.96972656,"punctuated_word":"hit","sentiment":"neutral","sentiment_score":-0.18279485404491425},{"word":"hard","start":1675.29,"end":1675.53,"confidence":0.98413086,"punctuated_word":"hard,","sentiment":"neutral","sentiment_score":-0.06304151564836502},{"word":"i","start":1675.53,"end":1675.6901,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04071512818336487},{"word":"guess","start":1675.6901,"end":1676.1901,"confidence":0.9758301,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":-0.04729960113763809},{"word":"with","start":1676.49,"end":1676.99,"confidence":0.8796387,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":-0.04634667560458183},{"word":"like","start":1677.13,"end":1677.4501,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.02767215669155121},{"word":"you","start":1677.4501,"end":1677.61,"confidence":0.51708984,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.003739625215530395},{"word":"mentioned","start":1677.61,"end":1678.0901,"confidence":0.9309082,"punctuated_word":"mentioned,","sentiment":"neutral","sentiment_score":0.015639837831258774},{"word":"due","start":1678.0901,"end":1678.25,"confidence":0.44628906,"punctuated_word":"due","sentiment":"neutral","sentiment_score":-0.02854783833026886},{"word":"to","start":1678.25,"end":1678.41,"confidence":0.94921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06835747510194778},{"word":"covid","start":1678.41,"end":1678.91,"confidence":0.9863281,"punctuated_word":"COVID","sentiment":"neutral","sentiment_score":-0.04087439924478531},{"word":"and","start":1678.97,"end":1679.29,"confidence":0.87353516,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06959645450115204},{"word":"all","start":1679.29,"end":1679.53,"confidence":0.97998047,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.002405226230621338},{"word":"of","start":1679.53,"end":1679.61,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.014433801174163818},{"word":"that","start":1679.61,"end":1680.11,"confidence":0.68188477,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.018139716237783432},{"word":"and","start":1680.49,"end":1680.65,"confidence":0.57470703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04261071979999542},{"word":"it","start":1680.65,"end":1680.81,"confidence":0.46704102,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.019640423357486725},{"word":"was","start":1680.81,"end":1681.05,"confidence":0.99121094,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.04266764223575592},{"word":"so","start":1681.37,"end":1681.87,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.07016531378030777},{"word":"yeah","start":1682.25,"end":1682.5701,"confidence":0.9914551,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.06454755365848541},{"word":"but","start":1682.5701,"end":1682.81,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.12833556532859802},{"word":"it's","start":1682.81,"end":1683.05,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.21144497394561768},{"word":"definitely","start":1683.05,"end":1683.55,"confidence":0.9741211,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.2214868664741516},{"word":"i","start":1683.85,"end":1684.01,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2712399363517761},{"word":"feel","start":1684.01,"end":1684.17,"confidence":0.9980469,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.2795756459236145},{"word":"like","start":1684.17,"end":1684.41,"confidence":0.9790039,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.297916054725647},{"word":"my","start":1684.41,"end":1684.5701,"confidence":0.98535156,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.35055625438690186},{"word":"soup","start":1684.5701,"end":1684.81,"confidence":0.39697266,"punctuated_word":"soup","sentiment":"positive","sentiment_score":0.4210333824157715},{"word":"has","start":1684.81,"end":1685.175,"confidence":0.86865234,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.35367071628570557},{"word":"grown","start":1685.655,"end":1686.155,"confidence":0.5892334,"punctuated_word":"grown.","sentiment":"positive","sentiment_score":0.33609911799430847},{"word":"definitely","start":1688.135,"end":1688.635,"confidence":0.5332031,"punctuated_word":"Definitely","sentiment":"neutral","sentiment_score":0.15152661502361298},{"word":"in","start":1688.6951,"end":1688.935,"confidence":0.66796875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16033494472503662},{"word":"comparison","start":1688.935,"end":1689.415,"confidence":0.9980469,"punctuated_word":"comparison","sentiment":"neutral","sentiment_score":0.24066810309886932},{"word":"to","start":1689.415,"end":1689.655,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22512216866016388},{"word":"where","start":1689.655,"end":1689.895,"confidence":0.99902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.18804270029067993},{"word":"i","start":1689.895,"end":1689.9751,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13244302570819855},{"word":"had","start":1689.9751,"end":1690.2151,"confidence":0.99609375,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.1210700422525406},{"word":"it","start":1690.2151,"end":1690.375,"confidence":0.84277344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14982323348522186},{"word":"prior","start":1690.375,"end":1690.875,"confidence":0.88305664,"punctuated_word":"prior.","sentiment":"neutral","sentiment_score":0.09758496284484865},{"word":"and","start":1691.415,"end":1691.8151,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.14983370900154114},{"word":"you","start":1691.8151,"end":1692.055,"confidence":0.92578125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1714690625667572},{"word":"guys","start":1692.055,"end":1692.295,"confidence":0.9970703,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.17800363898277283},{"word":"definitely","start":1692.295,"end":1692.795,"confidence":0.9941406,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.17626690864562988},{"word":"do","start":1692.8551,"end":1693.175,"confidence":0.9941406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1708381474018097},{"word":"seem","start":1693.175,"end":1693.675,"confidence":0.96240234,"punctuated_word":"seem","sentiment":"neutral","sentiment_score":0.15327653288841248},{"word":"to","start":1693.7351,"end":1693.935,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13990077376365662},{"word":"yeah","start":1694.135,"end":1694.4551,"confidence":0.923584,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.127711221575737},{"word":"you're","start":1694.4551,"end":1694.775,"confidence":0.9970703,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.14673006534576416},{"word":"more","start":1694.775,"end":1695.0951,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.10969864577054976},{"word":"invested","start":1695.0951,"end":1695.5751,"confidence":1.0,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.12588486075401306},{"word":"in","start":1695.5751,"end":1696.0751,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1936821490526199},{"word":"your","start":1696.2151,"end":1696.535,"confidence":0.96972656,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15032784640789032},{"word":"clients","start":1696.535,"end":1697.035,"confidence":0.9873047,"punctuated_word":"clients","sentiment":"neutral","sentiment_score":0.17147161066532135},{"word":"than","start":1697.0951,"end":1697.5951,"confidence":0.97924805,"punctuated_word":"than,","sentiment":"neutral","sentiment_score":0.1015041396021843},{"word":"you","start":1697.655,"end":1697.8151,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04886585846543312},{"word":"know","start":1697.8151,"end":1698.055,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.05583878234028816},{"word":"those","start":1698.055,"end":1698.555,"confidence":0.98828125,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.10952503979206084},{"word":"big","start":1698.6951,"end":1699.0951,"confidence":0.96875,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.1373811811208725},{"word":"bulk","start":1699.0951,"end":1699.5951,"confidence":0.9147949,"punctuated_word":"bulk,","sentiment":"neutral","sentiment_score":0.08259441703557968},{"word":"you","start":1700.0,"end":1700.16,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03846818581223488},{"word":"know","start":1700.16,"end":1700.66,"confidence":0.94873047,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.05467161536216736},{"word":"ones","start":1701.4401,"end":1701.76,"confidence":0.91748047,"punctuated_word":"ones","sentiment":"neutral","sentiment_score":0.1048041582107544},{"word":"that","start":1701.76,"end":1702.0801,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18854817748069763},{"word":"tend","start":1702.0801,"end":1702.3201,"confidence":0.85595703,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":0.2549445331096649},{"word":"to","start":1702.3201,"end":1702.56,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20854558050632477},{"word":"just","start":1702.56,"end":1702.8,"confidence":0.9707031,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17224787175655365},{"word":"yeah","start":1703.4401,"end":1703.9401,"confidence":0.9790039,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.0633552223443985},{"word":"you're","start":1704.2401,"end":1704.4801,"confidence":0.94921875,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.05166708678007126},{"word":"just","start":1704.4801,"end":1704.64,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04838602989912033},{"word":"a","start":1704.64,"end":1704.88,"confidence":0.9086914,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06965283304452896},{"word":"number","start":1704.88,"end":1705.38,"confidence":0.99658203,"punctuated_word":"number.","sentiment":"neutral","sentiment_score":0.0653979703783989},{"word":"yeah","start":1706.8,"end":1707.3,"confidence":0.7178955,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08905945718288422},{"word":"yeah","start":1717.845,"end":1718.345,"confidence":0.7064209,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17315711081027985},{"word":"yeah","start":1721.205,"end":1721.705,"confidence":0.96850586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.25098463892936707},{"word":"yeah","start":1724.245,"end":1724.745,"confidence":0.84228516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.32310691475868225},{"word":"so","start":1728.0801,"end":1728.24,"confidence":0.5834961,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.649114727973938},{"word":"that","start":1728.24,"end":1728.4,"confidence":0.9970703,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.7344427108764648},{"word":"is","start":1728.4,"end":1728.64,"confidence":0.9980469,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.7181423306465149},{"word":"good","start":1728.64,"end":1729.04,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.6516380310058594},{"word":"yeah","start":1729.04,"end":1729.28,"confidence":0.99072266,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.19270268082618713},{"word":"for","start":1729.28,"end":1729.52,"confidence":1.0,"punctuated_word":"For","sentiment":"neutral","sentiment_score":0.09797238558530807},{"word":"sure","start":1729.52,"end":1729.92,"confidence":1.0,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":0.052098941057920456},{"word":"i","start":1729.92,"end":1730.0801,"confidence":0.77441406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05113854631781578},{"word":"mean","start":1730.0801,"end":1730.3201,"confidence":0.9946289,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.04247996211051941},{"word":"when","start":1730.3201,"end":1730.48,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.043195564299821854},{"word":"i","start":1730.48,"end":1730.64,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.040652886033058167},{"word":"think","start":1730.64,"end":1730.88,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.04026123881340027},{"word":"about","start":1730.88,"end":1731.12,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.04740628972649574},{"word":"what","start":1731.12,"end":1731.4401,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.044866323471069336},{"word":"we've","start":1731.4401,"end":1731.68,"confidence":0.9995117,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.06810721009969711},{"word":"done","start":1731.68,"end":1732.0,"confidence":1.0,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.12959317862987518},{"word":"since","start":1732.0,"end":1732.5,"confidence":0.9980469,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.1385875642299652},{"word":"i","start":1732.72,"end":1732.96,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14555397629737854},{"word":"have","start":1732.96,"end":1733.2001,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16068188846111298},{"word":"joined","start":1733.2001,"end":1733.6,"confidence":0.9980469,"punctuated_word":"joined","sentiment":"neutral","sentiment_score":0.14184853434562683},{"word":"you","start":1733.6,"end":1733.76,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1652381271123886},{"word":"guys","start":1733.76,"end":1734.0,"confidence":0.9042969,"punctuated_word":"guys,","sentiment":"neutral","sentiment_score":0.12686985731124878},{"word":"you","start":1734.0,"end":1734.16,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.058672212064266205},{"word":"know","start":1734.16,"end":1734.4,"confidence":0.88549805,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.07461372762918472},{"word":"we","start":1734.4,"end":1734.56,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10937294363975524},{"word":"we","start":1734.56,"end":1734.72,"confidence":0.9892578,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11580562591552734},{"word":"went","start":1734.72,"end":1734.96,"confidence":0.9980469,"punctuated_word":"went","sentiment":"neutral","sentiment_score":0.12241094559431076},{"word":"to","start":1734.96,"end":1735.2001,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10097271203994752},{"word":"italy","start":1735.2001,"end":1735.52,"confidence":0.98535156,"punctuated_word":"Italy","sentiment":"neutral","sentiment_score":0.05346512049436569},{"word":"for","start":1735.52,"end":1735.76,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08159144967794418},{"word":"a","start":1735.76,"end":1735.84,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10111399739980698},{"word":"month","start":1735.84,"end":1736.34,"confidence":0.9909668,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":0.08067754656076431},{"word":"we","start":1736.4,"end":1736.64,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.1529553085565567},{"word":"did","start":1736.64,"end":1736.8,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.1831432580947876},{"word":"that","start":1736.8,"end":1737.12,"confidence":0.9758301,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.15100055932998657},{"word":"we've","start":1737.12,"end":1737.36,"confidence":0.9604492,"punctuated_word":"We've,","sentiment":"neutral","sentiment_score":0.13905304670333862},{"word":"you","start":1737.36,"end":1737.4401,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0919279158115387},{"word":"know","start":1737.4401,"end":1737.68,"confidence":0.8010254,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.1424298882484436},{"word":"yes","start":1737.68,"end":1738.0,"confidence":0.94189453,"punctuated_word":"yes,","sentiment":"neutral","sentiment_score":0.19509392976760864},{"word":"reduced","start":1738.0,"end":1738.4,"confidence":0.91503906,"punctuated_word":"reduced","sentiment":"neutral","sentiment_score":0.08776534348726273},{"word":"our","start":1738.4,"end":1738.56,"confidence":0.8574219,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.04664216935634613},{"word":"mortgage","start":1738.56,"end":1739.04,"confidence":0.9824219,"punctuated_word":"mortgage.","sentiment":"neutral","sentiment_score":0.059568263590335846},{"word":"we","start":1739.04,"end":1739.2001,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.15750612318515778},{"word":"bought","start":1739.2001,"end":1739.4401,"confidence":0.8100586,"punctuated_word":"bought","sentiment":"neutral","sentiment_score":0.18888944387435913},{"word":"a","start":1739.4401,"end":1739.6,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17888812720775604},{"word":"caravan","start":1739.6,"end":1740.0801,"confidence":0.9692383,"punctuated_word":"caravan.","sentiment":"neutral","sentiment_score":0.13150084018707275},{"word":"we've","start":1740.0801,"end":1740.465,"confidence":0.8496094,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.08441883325576782},{"word":"probably","start":1741.025,"end":1741.4249,"confidence":0.9951172,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.08137665688991547},{"word":"yeah","start":1741.585,"end":1741.745,"confidence":0.96875,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.10797031968832016},{"word":"we've","start":1741.745,"end":1742.065,"confidence":0.7524414,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.0992397665977478},{"word":"got","start":1742.065,"end":1742.225,"confidence":0.9838867,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1460145115852356},{"word":"a","start":1742.225,"end":1742.385,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16326183080673218},{"word":"new","start":1742.385,"end":1742.625,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.14368194341659546},{"word":"car","start":1742.625,"end":1743.025,"confidence":0.97631836,"punctuated_word":"car.","sentiment":"neutral","sentiment_score":0.0930594652891159},{"word":"so","start":1743.025,"end":1743.265,"confidence":0.9404297,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06580591946840286},{"word":"yeah","start":1743.345,"end":1743.845,"confidence":0.986084,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.09814081341028214},{"word":"there's","start":1744.3049,"end":1744.5449,"confidence":0.9765625,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.06152372807264328},{"word":"yeah","start":1746.145,"end":1746.645,"confidence":0.8408203,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.07698415219783783},{"word":"few","start":1746.7849,"end":1746.945,"confidence":0.78222656,"punctuated_word":"Few","sentiment":"neutral","sentiment_score":0.028350837528705597},{"word":"things","start":1746.945,"end":1747.265,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.07682378590106964},{"word":"we've","start":1747.265,"end":1747.4249,"confidence":0.81225586,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.05860484763979912},{"word":"done","start":1747.4249,"end":1747.9049,"confidence":0.92578125,"punctuated_word":"done.","sentiment":"neutral","sentiment_score":0.04972764849662781},{"word":"so","start":1747.9049,"end":1748.4049,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.022243332117795944},{"word":"and","start":1748.865,"end":1749.025,"confidence":0.720459,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.039408110082149506},{"word":"you","start":1749.025,"end":1749.105,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.004919435828924179},{"word":"know","start":1749.105,"end":1749.345,"confidence":0.9770508,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.03165777772665024},{"word":"which","start":1749.345,"end":1749.505,"confidence":0.7763672,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.02493743598461151},{"word":"you","start":1749.505,"end":1749.6649,"confidence":0.9326172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.008974295109510422},{"word":"don't","start":1749.6649,"end":1749.9049,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.007023296318948269},{"word":"necessarily","start":1749.9049,"end":1750.4049,"confidence":0.9980469,"punctuated_word":"necessarily","sentiment":"neutral","sentiment_score":-0.0053528472781181335},{"word":"always","start":1750.5449,"end":1750.7849,"confidence":0.9970703,"punctuated_word":"always","sentiment":"neutral","sentiment_score":-0.007527682930231094},{"word":"think","start":1750.7849,"end":1751.025,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.005375087261199951},{"word":"about","start":1751.025,"end":1751.525,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.005627937614917755},{"word":"until","start":1751.825,"end":1752.325,"confidence":0.93652344,"punctuated_word":"until,","sentiment":"neutral","sentiment_score":-0.006731545552611351},{"word":"you","start":1752.945,"end":1753.105,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04059364274144173},{"word":"know","start":1753.105,"end":1753.345,"confidence":0.9946289,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.012103429064154623},{"word":"it's","start":1753.345,"end":1753.4249,"confidence":0.88305664,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.008904755115509033},{"word":"a","start":1753.4249,"end":1753.585,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.040776148438453674},{"word":"situation","start":1753.585,"end":1753.985,"confidence":0.99902344,"punctuated_word":"situation","sentiment":"neutral","sentiment_score":0.02549438923597336},{"word":"like","start":1753.985,"end":1754.145,"confidence":0.9980469,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.05290788412094116},{"word":"this","start":1754.145,"end":1754.385,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.05539292097091675},{"word":"when","start":1754.385,"end":1754.5449,"confidence":0.9707031,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.01868209987878799},{"word":"you're","start":1754.5449,"end":1754.705,"confidence":0.96313477,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.04555582255125046},{"word":"going","start":1754.705,"end":1754.945,"confidence":0.9892578,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.09521251916885376},{"word":"over","start":1754.945,"end":1755.39,"confidence":0.9980469,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.12579134106636047},{"word":"it","start":1762.91,"end":1763.41,"confidence":0.9941406,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.10822297632694244},{"word":"yeah","start":1769.185,"end":1769.685,"confidence":0.9499512,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1435418426990509},{"word":"yeah","start":1774.305,"end":1774.805,"confidence":0.89819336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.23953479528427124},{"word":"yep","start":1774.865,"end":1775.105,"confidence":0.77856445,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3534853160381317},{"word":"absolutely","start":1775.105,"end":1775.605,"confidence":0.9951172,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.6721019148826599},{"word":"yes","start":1783.505,"end":1783.985,"confidence":0.80371094,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1100364476442337},{"word":"i","start":1783.985,"end":1784.145,"confidence":0.96777344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1301666498184204},{"word":"see","start":1784.145,"end":1784.305,"confidence":0.9951172,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.0774603933095932},{"word":"them","start":1784.305,"end":1784.805,"confidence":0.9926758,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.1176580861210823},{"word":"yep","start":1784.94,"end":1785.44,"confidence":0.8015137,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.111843541264534},{"word":"mhmm","start":1790.1399,"end":1790.6399,"confidence":0.97961426,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.10694465041160583},{"word":"yep","start":1794.86,"end":1795.36,"confidence":0.9807129,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1273784637451172},{"word":"mhmm","start":1808.045,"end":1808.4451,"confidence":0.9782715,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.06331205368041992},{"word":"okay","start":1808.4451,"end":1808.9451,"confidence":0.98535156,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.10340160131454468},{"word":"yep","start":1809.0851,"end":1809.5851,"confidence":0.9807129,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09340141713619232},{"word":"yes","start":1816.045,"end":1816.5,"confidence":0.9914551,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.18092294037342072},{"word":"mhmm","start":1822.02,"end":1822.52,"confidence":0.9248047,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.07029426842927933},{"word":"mhmm","start":1834.8451,"end":1835.005,"confidence":0.9217529,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.058976590633392334},{"word":"yep","start":1835.005,"end":1835.505,"confidence":0.8244629,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05851650983095169},{"word":"mhmm","start":1837.165,"end":1837.665,"confidence":0.9316406,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.011216701939702034},{"word":"yeah","start":1843.9651,"end":1844.4651,"confidence":0.9736328,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02882229909300804},{"word":"yeah","start":1846.44,"end":1846.84,"confidence":0.9123535,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03635188564658165},{"word":"yeah","start":1846.84,"end":1847.34,"confidence":0.9416504,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.021730933338403705},{"word":"yeah","start":1857.08,"end":1857.58,"confidence":0.71191406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.022451449185609818},{"word":"okay","start":1859.525,"end":1860.005,"confidence":0.8718262,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.009255772456526756},{"word":"yep","start":1860.005,"end":1860.505,"confidence":0.8498535,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.009992286562919617},{"word":"yep","start":1864.005,"end":1864.485,"confidence":0.7758789,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.020793339237570763},{"word":"okay","start":1864.485,"end":1864.985,"confidence":0.99365234,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0227852426469326},{"word":"mhmm","start":1871.02,"end":1871.52,"confidence":0.9498291,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.00983319990336895},{"word":"mhmm","start":1885.02,"end":1885.34,"confidence":0.91674805,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.0011011387687176466},{"word":"no","start":1885.34,"end":1885.84,"confidence":0.85131836,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05167388170957565},{"word":"sure","start":1892.895,"end":1893.395,"confidence":0.86938477,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":-0.018952568992972377},{"word":"yep","start":1894.3351,"end":1894.8351,"confidence":0.92626953,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.010883165523409843},{"word":"sure","start":1900.0951,"end":1900.5,"confidence":0.9316406,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.03847823664546013},{"word":"okay","start":1903.06,"end":1903.38,"confidence":0.99560547,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06660565733909607},{"word":"yep","start":1903.38,"end":1903.88,"confidence":0.9316406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09728634357452393},{"word":"nice","start":1908.66,"end":1909.16,"confidence":0.814209,"punctuated_word":"Nice.","sentiment":"positive","sentiment_score":0.4553977847099304},{"word":"other","start":1910.98,"end":1911.22,"confidence":0.8964844,"punctuated_word":"Other","sentiment":"positive","sentiment_score":0.4471251964569092},{"word":"than","start":1911.22,"end":1911.46,"confidence":0.9892578,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.29730334877967834},{"word":"i","start":1911.46,"end":1911.62,"confidence":0.5966797,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.35090139508247375},{"word":"just","start":1911.62,"end":1911.78,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2848374843597412},{"word":"need","start":1911.78,"end":1912.02,"confidence":0.9970703,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.21568909287452695},{"word":"to","start":1912.02,"end":1912.18,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17329135537147522},{"word":"sign","start":1912.18,"end":1912.42,"confidence":0.96777344,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.14379966259002686},{"word":"this","start":1912.42,"end":1912.66,"confidence":0.6958008,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.21291224658489227},{"word":"machine","start":1912.66,"end":1913.16,"confidence":0.734375,"punctuated_word":"machine.","sentiment":"neutral","sentiment_score":0.25445032119750977},{"word":"mhmm","start":1916.015,"end":1916.515,"confidence":0.8787842,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.2709426283836365},{"word":"yeah","start":1919.935,"end":1920.435,"confidence":0.6850586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11575430631637572},{"word":"oh","start":1924.015,"end":1924.515,"confidence":0.73168945,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.2591501474380493},{"word":"congratulations","start":1925.375,"end":1925.875,"confidence":0.89624023,"punctuated_word":"congratulations.","sentiment":"positive","sentiment_score":0.33839350938796997},{"word":"oh","start":1928.255,"end":1928.495,"confidence":0.9641113,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.03228947892785072},{"word":"wow","start":1928.495,"end":1928.995,"confidence":0.98950195,"punctuated_word":"wow.","sentiment":"neutral","sentiment_score":-0.02626602165400982},{"word":"yep","start":1930.63,"end":1931.13,"confidence":0.8642578,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.023157110437750816},{"word":"mhmm","start":1937.51,"end":1937.83,"confidence":0.9156494,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.04352857172489166},{"word":"okay","start":1937.83,"end":1938.33,"confidence":0.8261719,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06994070112705231},{"word":"yes","start":1942.63,"end":1943.13,"confidence":0.69384766,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.19270330667495728},{"word":"mhmm","start":1947.335,"end":1947.655,"confidence":0.96325684,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.11120910942554474},{"word":"no","start":1947.655,"end":1947.8151,"confidence":0.9921875,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.17450352013111117},{"word":"worries","start":1947.8151,"end":1948.3151,"confidence":0.99658203,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.2202700078487396},{"word":"alright","start":1949.255,"end":1949.755,"confidence":0.70788574,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.3025955259799957},{"word":"no","start":1952.215,"end":1952.375,"confidence":0.7651367,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.18949243426322937},{"word":"nope","start":1952.375,"end":1952.535,"confidence":0.8129883,"punctuated_word":"Nope.","sentiment":"neutral","sentiment_score":-0.19520102441310885},{"word":"that's","start":1952.535,"end":1952.775,"confidence":0.9890137,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.005534803029149771},{"word":"alright","start":1952.775,"end":1953.095,"confidence":0.9736328,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":0.05302801728248596},{"word":"i'm","start":1953.095,"end":1953.415,"confidence":0.70654297,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.11047950387001038},{"word":"signing","start":1953.415,"end":1953.735,"confidence":0.42749023,"punctuated_word":"signing","sentiment":"neutral","sentiment_score":0.10051020234823228},{"word":"it","start":1953.735,"end":1953.975,"confidence":0.97314453,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.09532264620065688},{"word":"it's","start":1953.975,"end":1954.295,"confidence":0.99902344,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.22348491847515103},{"word":"loading","start":1954.295,"end":1954.6951,"confidence":1.0,"punctuated_word":"loading","sentiment":"neutral","sentiment_score":0.22222435474395752},{"word":"right","start":1954.6951,"end":1954.935,"confidence":1.0,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.20077595114707947},{"word":"now","start":1954.935,"end":1955.175,"confidence":0.8312988,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.12000375986099245},{"word":"so","start":1955.175,"end":1955.415,"confidence":0.67285156,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.11250890046358109},{"word":"actually","start":1955.415,"end":1955.895,"confidence":0.7088623,"punctuated_word":"actually,","sentiment":"neutral","sentiment_score":0.09942600131034852},{"word":"that","start":1955.895,"end":1956.135,"confidence":0.9921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15153338015079498},{"word":"will","start":1956.135,"end":1956.375,"confidence":0.87890625,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.0957903265953064},{"word":"go","start":1956.375,"end":1956.535,"confidence":0.9404297,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.19936244189739227},{"word":"through","start":1956.535,"end":1956.775,"confidence":0.99609375,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.21771016716957092},{"word":"shortly","start":1956.775,"end":1957.275,"confidence":0.9975586,"punctuated_word":"shortly.","sentiment":"neutral","sentiment_score":0.1091119721531868},{"word":"okay","start":1962.2699,"end":1962.6699,"confidence":0.99365234,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.4304208755493164},{"word":"fantastic","start":1962.6699,"end":1963.1699,"confidence":0.9975586,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.8106005191802979},{"word":"thank","start":1963.3899,"end":1963.71,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.8123462796211243},{"word":"you","start":1963.71,"end":1964.21,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.7773945331573486},{"word":"alright","start":1966.19,"end":1966.69,"confidence":0.8444824,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.5185887813568115},{"word":"you","start":1967.71,"end":1967.95,"confidence":0.9941406,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.5576648116111755},{"word":"too","start":1967.95,"end":1968.35,"confidence":0.9897461,"punctuated_word":"too.","sentiment":"positive","sentiment_score":0.5000005960464478},{"word":"all","start":1968.35,"end":1968.5099,"confidence":0.99121094,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.619665801525116},{"word":"the","start":1968.5099,"end":1968.59,"confidence":0.9614258,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6275579929351807},{"word":"best","start":1968.59,"end":1968.83,"confidence":0.9975586,"punctuated_word":"best.","sentiment":"positive","sentiment_score":0.6002469062805176},{"word":"thank","start":1968.83,"end":1969.07,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6956854462623596},{"word":"you","start":1969.07,"end":1969.57,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6802672743797302},{"word":"bye","start":1970.83,"end":1971.07,"confidence":0.90527344,"punctuated_word":"Bye","sentiment":"neutral","sentiment_score":0.15768961608409882},{"word":"bye","start":1971.07,"end":1971.57,"confidence":0.845459,"punctuated_word":"bye.","sentiment":"neutral","sentiment_score":-0.11303723603487016}],"paragraphs":{"transcript":"\nHello. This is Nicola. Not too bad. Thank you. And you?\n\nI think it's gonna be 29 here today in Adelaide. Yeah. That's it. Yes. That's it.\n\nYep. Yes. Yes. Yep. So it's the 1976, and address is 25 Melbourne Place in Alberton, South Australia 5014.\n\nYes. Mhmm. I've got about an hour. So I'm just popping you on speed. Can you just have a look?\n\nCan you hear me? Yes. I can. Yep. Yep.\n\nPerfect. All good. K. Okay. Mhmm.\n\nWell so my work situation changed. So yeah. Well, no. Not necessarily. It's less less money now.\n\nSo, yeah, I took a risk and tried something different. Didn't turn out. And now I'm I'm just working, but I'm just it's hassle. So it's less hours than I want at the moment, and that's been since September. So then it was sort of like this plays on my mind with, you know yeah.\n\nWhat what what do I do from here? You know, it's just like, at the moment, the work life balance is great, but obviously then the money is not coming in. But at the same time, work life balance is better. Especially because I'm still, you know, I've got a teenage boy who I need to change to appointments here, there, and everywhere as well. So it's Yeah.\n\nThey're saying yeah. Yeah. Yep. Well, that's what I was trying to work out, actually, just before you called. I probably should've done this before.\n\nBut, I mean, at the moment, you know, it's no. I see. It's really tricky. So I started there in, say, September. And so from them, I've only earned 16,000.\n\nSo yeah. And being casual, then Christmas is off. There's been lots of holidays. Yeah. Yeah.\n\nSo, essentially, we just don't work, and so we don't earn, which kinda sucks. But yeah. Yeah. Yeah. Yeah.\n\nYep. Just a holiday pay, unfortunately. But anyway yeah. Yeah. Mm-mm.\n\nNo. But anyway so, yeah, that's the main thing that's changed for me. So yes. Yes. I'm now a medical receptionist.\n\nSo Trinity Medical Center in Port Adelaide. Yeah. Yeah. Yeah. Definitely.\n\nI'm just gonna have a look now. So we did refit it was restructure. So we did have the loans split over two banks. Now we have it just in one. So I'm just having a quick look now.\n\nJust bringing that up. Alright. So I need to work out which one's which. Oh, yep. There we go.\n\nSo on our main residence, we owe 278,000. Yep. Mhmm. And then on the investment property, it's 595. Yep.\n\nYeah. Yeah. Yeah. So I think it was 70 $7.91, I think, the last I checked. I mean, that is just going off of realestate.com.\n\nBut yeah. I mean, that's always a bit tricky. We haven't had it valued, I guess, since we bought it maybe. I'm I'm not sure. But yeah.\n\n7 91 is what they're estimating it as. Yep. Yeah. Yeah. Yes.\n\nYep. Yes. Yeah. That part is good. Mhmm.\n\nYeah. Well, we're planning on selling the investment property because the way it was structured when we bought it probably wasn't the right way to do it in that we did it fifty fifty. And so I don't actually get any tax benefits because I don't earn enough. So yeah. That's something we need to work out as well.\n\nBut oh, yeah. Yeah. Like, that's steady as yeah. They pay the rent. They don't.\n\nBut, yeah, it just means trying to, I guess, sell and then rebuy in this market. Mhmm. Yeah. And to it is. And to do it, so I think get the best benefit, my husband was saying we should probably buy something brand new and then essentially put it in his name, which I'm comfortable doing.\n\nLike, I don't have any problems there, but, yeah, I guess it's just yes. It's nice to think that. Mhmm. Okay. I'm just double checking that.\n\nI think it was, like, $6.80, but I'm not sure. Are you there? So I thought I might have muted you while I was looking at things. If I go into there, then go. Yeah.\n\nSo off off the top of my head, I think it's $6.80. So yeah. Just having a quick look if I can find it. Too many emails I need to I need to delete. And yes.\n\nYeah. I'm I'm fine. Yeah. Anyway, I can keep looking while you're talking. Yes.\n\nYes. Yes. Yes. Yeah. Yes.\n\nYeah. And I think I mean, it's probably relative to the area that it's in. Even though the property is saying it's worth that, it's like yeah. But then again, I mean, yeah, I do look, see what's going around there. And it's not bad, but it will probably go up again.\n\nLike, they might increase it again. I think it was July that around then that the sort of lease is due to run out. So that's just why I tend to bump it up. Yep. We've got a wheel.\n\nI don't know if we've got I don't know who we would have thought the power of attorney. It's like this is but that's we did this, like, probably ten years ago. We did a wheel. So we might need to already look at that as well. Yep.\n\nYep. Alright. I'll pop that down as something to to do. Okay. Yep.\n\nYep. Yep. No. Yep. I'll check that as well.\n\nYep. Yes. Mhmm. Nope. I don't know what that is.\n\nSo no. Oh, no. No. No. No.\n\nAnd we did buy a caravan, so that's an asset as well. I don't know. Yep. No. We purchased it.\n\nProbably about well, between 70 and 80,000. Yep. There you go. Why not? That would be amazing.\n\nBut, yeah, at the moment, it's just for doing sort of, like, short weekend trips while we can get away. Yeah. Yeah. Yeah. Yeah.\n\nDefinitely. Yes. Yep. Yep. Okay.\n\nYes. Yes. Okay. Oh, we would definitely I mean, our aim wouldn't be to ultimately, yeah, retire earlier than later. And so yeah.\n\nI think my husband yeah. My husband works very, very hard. You know, six days a week, you know, sixty plus, you know, hours a week as well. Yeah. So and he earns decent money, which oh, yeah.\n\nSo, I mean, yes. Ideally, that's why I guess we, you know, wanna try and get this investment property working better for us. Okay. Okay. That sounds good.\n\nYep. I know it's just it's a lot more than me because I I am gonna have my child and work part time for a while. Oh, gosh. I can't think off the top of my head. Yeah.\n\nIt's something that I can ask him, but, yeah, he could share. But, I mean, I'd say it's over 300,000. Yes. Mhmm. Yes.\n\nYep. Yep. Yep. Well, that's not too far off. Yes.\n\nYep. Yeah. Yes. Yes. Mhmm.\n\nYep. Yes. Mhmm. Yep. Yep.\n\nAbsolutely. Mhmm. Yep. Mhmm. Yep.\n\nOkay. Yep. Yep. Yes. Yep.\n\nMhmm. Yep. Yeah. Not not as much as I should. I did a raise of less.\n\nOh, wow. Yes. Mhmm. I no. Exactly.\n\nYeah. I think it was yeah. Like, at higher risk at the moment. Yep. Yeah.\n\nCould Yep. Okay. Yeah. I pity it was an oil. Yeah.\n\nYeah. Mhmm. Yeah. Not off the top of my head. I can have a look.\n\nOh, yep. Yes. Gotcha. Yes. Yep.\n\nYep. Yep. Yep. Yes. No.\n\nThat's good. Mhmm. Yep. Mhmm. Yep.\n\nOkay. Yeah. Okay. Mhmm. Yep.\n\nYep. It's hard to say. Yeah. It's a gamble, isn't it, really? I mean, because I well, I'm turning 50 this year.\n\nSo yeah. Hard to say. Yeah. Yeah. So yeah.\n\nYes. Okay. You know that stuff. Yes. Okay.\n\nYep. Alright. Let let's leave it for now, and then that's why we have these annual reviews. Yep. Yes.\n\nThat would be more the case. For sure. Definitely. Mhmm. Yep.\n\nYep. Yep. Sounds good. Yep. Yes.\n\nSo I know I've got that there. So yes. Whether that's still, I guess, relevant, like, the the amount that it's there for or whether that can be dropped down. Yes. Yep.\n\nYep. Mhmm. Yeah. Okay. Which book?\n\nMhmm. Okay. Yep. Yeah. I get older.\n\nYeah. Yes. Yep. Mhmm. Mhmm.\n\nYes. Yep. Is it worth doing that? Yep. Okay.\n\nGotcha. Yep. Yeah. Possibly. Yes.\n\nMhmm. Yes. Maybe we'll leave it for another year and then we'll see. Well, yeah, we'll keep an eye on it. We'll leave it over this then.\n\nYep. Mhmm. Yeah. Yeah. Yeah.\n\nAbsolutely. Yep. Yep. Mhmm. Yep.\n\nYes. Gotcha. Yeah. No. That sounds good.\n\nYep. I would imagine. Yeah. Okay. Yes.\n\nYes. Without a doubt. No. That's how I got done when I was with Rest. And I was paying income protection, and then I went on the 10 early lead.\n\nThey went back part time. And it just all stayed the same because, you know, that's not where my head was at. And so I went from playing. Yeah. And it was just so much money went down the drain.\n\nYep. No. Mhmm. No. Mm-mm.\n\nYep. I guess what is what would the cost be? Okay. Yeah. I'd not at this stage.\n\nI don't see I mean, yes. Look. Ideally, love it. We'd love to put that on there and cover it. But yeah.\n\nAnother 100 to 200 a month out of what I earn is yeah. I mean, all that money goes in together anyway, but, yes, I think we'll just try and get this house paid off. Yeah. So that would make a difference. Yeah.\n\nMhmm. Mhmm. Okay. Yes. Sure.\n\nYep. Okay. Mhmm. No. So yeah.\n\nSounding all good at the moment. Yeah. Yeah. It's been quite some time. And, yes, I mean, the market has, yeah, been hit hard, I guess, with, like you mentioned, due to COVID and all of that.\n\nAnd it was so yeah. But it's definitely I feel like my soup has grown. Definitely in comparison to where I had it prior. And you guys definitely do seem to yeah. You're more invested in your clients than, you know, those big bulk, you know, ones that tend to just yeah.\n\nYou're just a number. Yeah. Yeah. Yeah. Yeah.\n\nSo that is good. Yeah. For sure. I mean, when I think about what we've done since I have joined you guys, you know, we we went to Italy for a month. We did that.\n\nWe've, you know, yes, reduced our mortgage. We bought a caravan. We've probably yeah. We've got a new car. So yeah.\n\nThere's yeah. Few things we've done. So and, you know, which you don't necessarily always think about until, you know, it's a situation like this when you're going over it. Yeah. Yeah.\n\nYep. Absolutely. Yes. I see them. Yep.\n\nMhmm. Yep. Mhmm. Okay. Yep.\n\nYes. Mhmm. Mhmm. Yep. Mhmm.\n\nYeah. Yeah. Yeah. Yeah. Okay.\n\nYep. Yep. Okay. Mhmm. Mhmm.\n\nNo. Sure. Yep. Sure. Okay.\n\nYep. Nice. Other than I just need to sign this machine. Mhmm. Yeah.\n\nOh, congratulations. Oh, wow. Yep. Mhmm. Okay.\n\nYes. Mhmm. No worries. Alright. No.\n\nNope. That's alright. I'm signing it. It's loading right now. So, actually, that will go through shortly.\n\nOkay. Fantastic. Thank you. Alright. You too.\n\nAll the best. Thank you. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.28,"end":1.5999999,"sentiment":"neutral","sentiment_score":0.03953630104660988},{"text":"This is Nicola.","start":1.5999999,"end":2.42,"sentiment":"neutral","sentiment_score":0.0451740932961305},{"text":"Not too bad.","start":7.8399997,"end":8.48,"sentiment":"neutral","sentiment_score":0.24626453717549643},{"text":"Thank you.","start":8.48,"end":8.8,"sentiment":"positive","sentiment_score":0.46098853647708893},{"text":"And you?","start":8.8,"end":9.46,"sentiment":"neutral","sentiment_score":0.2749214619398117}],"sentiment":"neutral","sentiment_score":0.21687928993593564,"num_words":11,"start":1.28,"end":9.46},{"sentences":[{"text":"I think it's gonna be 29 here today in Adelaide.","start":14.945,"end":17.445,"sentiment":"neutral","sentiment_score":0.03773200027644634},{"text":"Yeah.","start":18.865,"end":19.145,"sentiment":"neutral","sentiment_score":0.04579094797372818},{"text":"That's it.","start":19.145,"end":19.925,"sentiment":"neutral","sentiment_score":0.03589401952922344},{"text":"Yes.","start":21.425,"end":21.904999,"sentiment":"neutral","sentiment_score":0.0545341819524765},{"text":"That's it.","start":21.904999,"end":22.725,"sentiment":"neutral","sentiment_score":0.10075347498059273}],"sentiment":"neutral","sentiment_score":0.04693375760689378,"num_words":16,"start":14.945,"end":22.725},{"sentences":[{"text":"Yep.","start":23.265,"end":23.765,"sentiment":"neutral","sentiment_score":0.1934560239315033},{"text":"Yes.","start":26.269999,"end":26.769999,"sentiment":"neutral","sentiment_score":0.114575557410717},{"text":"Yes.","start":34.75,"end":35.25,"sentiment":"neutral","sentiment_score":0.09163843095302582},{"text":"Yep.","start":47.255,"end":47.575,"sentiment":"neutral","sentiment_score":0.032022520899772644},{"text":"So it's the 1976, and address is 25 Melbourne Place in Alberton, South Australia 5014.","start":47.575,"end":56.25,"sentiment":"neutral","sentiment_score":0.042132647211352986}],"sentiment":"neutral","sentiment_score":0.05598327586133229,"num_words":19,"start":23.265,"end":56.25},{"sentences":[{"text":"Yes.","start":65.11,"end":65.475,"sentiment":"neutral","sentiment_score":0.14981192350387573},{"text":"Mhmm.","start":72.195,"end":72.695,"sentiment":"neutral","sentiment_score":0.0274585485458374},{"text":"I've got about an hour.","start":79.38,"end":80.84,"sentiment":"neutral","sentiment_score":0.004259921889752149},{"text":"So I'm just popping you on speed.","start":82.899994,"end":84.92,"sentiment":"neutral","sentiment_score":0.0262827817350626},{"text":"Can you just have a look?","start":85.06,"end":86.2,"sentiment":"neutral","sentiment_score":0.015599220370252928}],"sentiment":"neutral","sentiment_score":0.023807243793271482,"num_words":20,"start":65.11,"end":86.2},{"sentences":[{"text":"Can you hear me?","start":86.899994,"end":88.03999,"sentiment":"neutral","sentiment_score":-0.0016645793803036213},{"text":"Yes.","start":88.74,"end":89.06,"sentiment":"neutral","sentiment_score":0.0444130040705204},{"text":"I can.","start":89.06,"end":89.64,"sentiment":"neutral","sentiment_score":0.04565664194524288},{"text":"Yep.","start":90.82,"end":91.14,"sentiment":"neutral","sentiment_score":0.026022538542747498},{"text":"Yep.","start":91.14,"end":91.38,"sentiment":"neutral","sentiment_score":0.05812988802790642}],"sentiment":"neutral","sentiment_score":0.023691155223382845,"num_words":9,"start":86.899994,"end":91.38},{"sentences":[{"text":"Perfect.","start":91.38,"end":91.88,"sentiment":"neutral","sentiment_score":0.18491777777671817},{"text":"All good.","start":92.579994,"end":93.075,"sentiment":"neutral","sentiment_score":0.23245007544755936},{"text":"K.","start":95.075,"end":95.575,"sentiment":"neutral","sentiment_score":0.08742683380842209},{"text":"Okay.","start":105.55499,"end":106.05499,"sentiment":"neutral","sentiment_score":0.018517712131142616},{"text":"Mhmm.","start":120.345,"end":120.845,"sentiment":"neutral","sentiment_score":0.007214161567389965}],"sentiment":"neutral","sentiment_score":0.12716277269646525,"num_words":6,"start":91.38,"end":120.845},{"sentences":[{"text":"Well so my work situation changed.","start":124.985,"end":127.485,"sentiment":"neutral","sentiment_score":0.2673415057361126},{"text":"So yeah.","start":129.22499,"end":130.505,"sentiment":"positive","sentiment_score":0.5706964731216431},{"text":"Well, no.","start":130.505,"end":131.325,"sentiment":"neutral","sentiment_score":0.005441220477223396},{"text":"Not necessarily.","start":131.545,"end":132.285,"sentiment":"neutral","sentiment_score":-0.11656244471669197},{"text":"It's less less money now.","start":132.825,"end":135.22,"sentiment":"neutral","sentiment_score":-0.27739143520593645}],"sentiment":"neutral","sentiment_score":0.06683778565596132,"num_words":17,"start":124.985,"end":135.22},{"sentences":[{"text":"So, yeah, I took a risk and tried something different.","start":136.0,"end":138.48,"sentiment":"neutral","sentiment_score":-0.26549324840307237},{"text":"Didn't turn out.","start":138.48,"end":139.54,"sentiment":"neutral","sentiment_score":-0.2079680860042572},{"text":"And now I'm I'm just working, but I'm just it's hassle.","start":139.84,"end":142.58,"sentiment":"neutral","sentiment_score":-0.09056132320653308},{"text":"So it's less hours than I want at the moment, and that's been since September.","start":142.88,"end":148.755,"sentiment":"neutral","sentiment_score":-0.05620424921313922},{"text":"So then it was sort of like this plays on my mind with, you know yeah.","start":149.055,"end":154.755,"sentiment":"neutral","sentiment_score":-0.049269847106188536}],"sentiment":"neutral","sentiment_score":-0.10738895616748116,"num_words":55,"start":136.0,"end":154.755},{"sentences":[{"text":"What what what do I do from here?","start":155.135,"end":156.97499,"sentiment":"neutral","sentiment_score":-0.08546407334506512},{"text":"You know, it's just like, at the moment, the work life balance is great, but obviously then the money is not coming in.","start":156.97499,"end":163.93001,"sentiment":"neutral","sentiment_score":-0.05220464066318844},{"text":"But at the same time, work life balance is better.","start":163.93001,"end":167.71,"sentiment":"neutral","sentiment_score":0.06365474835038185},{"text":"Especially because I'm still, you know, I've got a teenage boy who I need to change to appointments here, there, and everywhere as well.","start":168.01001,"end":174.60501,"sentiment":"neutral","sentiment_score":-0.027078008356814582},{"text":"So it's Yeah.","start":174.60501,"end":176.245,"sentiment":"neutral","sentiment_score":0.01720834585527579}],"sentiment":"neutral","sentiment_score":-0.027148808845702338,"num_words":68,"start":155.135,"end":176.245},{"sentences":[{"text":"They're saying yeah.","start":176.945,"end":178.145,"sentiment":"neutral","sentiment_score":0.00703003858992209},{"text":"Yeah.","start":178.145,"end":178.645,"sentiment":"neutral","sentiment_score":0.06519901752471924},{"text":"Yep.","start":178.865,"end":179.365,"sentiment":"neutral","sentiment_score":0.19734466075897217},{"text":"Well, that's what I was trying to work out, actually, just before you called.","start":187.67,"end":191.76999,"sentiment":"neutral","sentiment_score":-0.05324214457401207},{"text":"I probably should've done this before.","start":192.23,"end":193.93,"sentiment":"neutral","sentiment_score":-0.1099717915058136}],"sentiment":"neutral","sentiment_score":-0.04486347916070372,"num_words":25,"start":176.945,"end":193.93},{"sentences":[{"text":"But, I mean, at the moment, you know, it's no.","start":193.98999,"end":197.03,"sentiment":"neutral","sentiment_score":-0.18552058190107346},{"text":"I see.","start":197.03,"end":197.34999,"sentiment":"neutral","sentiment_score":-0.17845598608255386},{"text":"It's really tricky.","start":197.34999,"end":198.25,"sentiment":"neutral","sentiment_score":-0.2815389235814412},{"text":"So I started there in, say, September.","start":198.39,"end":200.81,"sentiment":"neutral","sentiment_score":-0.12436619081667491},{"text":"And so from them, I've only earned 16,000.","start":202.475,"end":206.175,"sentiment":"neutral","sentiment_score":-0.12619593925774097}],"sentiment":"neutral","sentiment_score":-0.1645621803899606,"num_words":30,"start":193.98999,"end":206.175},{"sentences":[{"text":"So yeah.","start":206.315,"end":207.455,"sentiment":"neutral","sentiment_score":-0.10202615335583688},{"text":"And being casual, then Christmas is off.","start":208.235,"end":211.355,"sentiment":"neutral","sentiment_score":-0.16789896999086654},{"text":"There's been lots of holidays.","start":211.355,"end":212.735,"sentiment":"neutral","sentiment_score":-0.19068166017532348},{"text":"Yeah.","start":213.595,"end":213.91501,"sentiment":"neutral","sentiment_score":-0.06573675572872162},{"text":"Yeah.","start":213.91501,"end":214.075,"sentiment":"neutral","sentiment_score":-0.07285255193710327}],"sentiment":"neutral","sentiment_score":-0.15445891907438636,"num_words":16,"start":206.315,"end":214.075},{"sentences":[{"text":"So, essentially, we just don't work, and so we don't earn, which kinda sucks.","start":214.075,"end":219.38,"sentiment":"neutral","sentiment_score":-0.2287201934627124},{"text":"But yeah.","start":219.38,"end":221.0,"sentiment":"neutral","sentiment_score":-0.10026616603136063},{"text":"Yeah.","start":224.9,"end":225.4,"sentiment":"neutral","sentiment_score":0.02806985378265381},{"text":"Yeah.","start":231.14,"end":231.64,"sentiment":"neutral","sentiment_score":0.011387095786631107},{"text":"Yeah.","start":233.285,"end":233.785,"sentiment":"neutral","sentiment_score":-0.021671239286661148}],"sentiment":"neutral","sentiment_score":-0.17814891211884587,"num_words":19,"start":214.075,"end":233.785},{"sentences":[{"text":"Yep.","start":236.645,"end":237.145,"sentiment":"neutral","sentiment_score":-0.014447366818785667},{"text":"Just a holiday pay, unfortunately.","start":237.60501,"end":239.225,"sentiment":"neutral","sentiment_score":-0.09333735108375549},{"text":"But anyway yeah.","start":239.60501,"end":241.46501,"sentiment":"neutral","sentiment_score":-0.18750218177835146},{"text":"Yeah.","start":242.645,"end":243.145,"sentiment":"neutral","sentiment_score":-0.18722444772720337},{"text":"Mm-mm.","start":246.005,"end":246.505,"sentiment":"neutral","sentiment_score":-0.027278512716293335}],"sentiment":"neutral","sentiment_score":-0.11437669345601038,"num_words":11,"start":236.645,"end":246.505},{"sentences":[{"text":"No.","start":247.125,"end":247.625,"sentiment":"neutral","sentiment_score":-0.06658422946929932},{"text":"But anyway so, yeah, that's the main thing that's changed for me.","start":248.37001,"end":251.81,"sentiment":"neutral","sentiment_score":-0.011964950244873762},{"text":"So yes.","start":251.81,"end":253.19,"sentiment":"neutral","sentiment_score":0.007809773553162813},{"text":"Yes.","start":254.93001,"end":255.33,"sentiment":"neutral","sentiment_score":0.024478860199451447},{"text":"I'm now a medical receptionist.","start":255.33,"end":256.79,"sentiment":"neutral","sentiment_score":0.028620635345578193}],"sentiment":"neutral","sentiment_score":-0.0012839070654341153,"num_words":21,"start":247.125,"end":256.79},{"sentences":[{"text":"So Trinity Medical Center in Port Adelaide.","start":260.735,"end":264.035,"sentiment":"neutral","sentiment_score":0.037130728630082946},{"text":"Yeah.","start":276.90002,"end":277.40002,"sentiment":"neutral","sentiment_score":0.12273485958576202},{"text":"Yeah.","start":278.1,"end":278.42,"sentiment":"neutral","sentiment_score":0.13066516816616058},{"text":"Yeah.","start":278.42,"end":278.92,"sentiment":"neutral","sentiment_score":0.17162367701530457},{"text":"Definitely.","start":279.54,"end":280.04,"sentiment":"neutral","sentiment_score":0.22742049396038055}],"sentiment":"neutral","sentiment_score":0.08294175446710804,"num_words":11,"start":260.735,"end":280.04},{"sentences":[{"text":"I'm just gonna have a look now.","start":282.02002,"end":283.46002,"sentiment":"neutral","sentiment_score":0.10997172870806285},{"text":"So we did refit it was restructure.","start":283.46002,"end":286.76,"sentiment":"neutral","sentiment_score":0.08517029881477356},{"text":"So we did have the loans split over two banks.","start":287.595,"end":290.975,"sentiment":"neutral","sentiment_score":0.05188615955412388},{"text":"Now we have it just in one.","start":291.67502,"end":293.535,"sentiment":"neutral","sentiment_score":0.04110859653779438},{"text":"So I'm just having a quick look now.","start":294.795,"end":297.295,"sentiment":"neutral","sentiment_score":0.04907033545896411}],"sentiment":"neutral","sentiment_score":0.06577381147788121,"num_words":39,"start":282.02002,"end":297.295},{"sentences":[{"text":"Just bringing that up.","start":298.475,"end":299.67,"sentiment":"neutral","sentiment_score":0.02864793874323368},{"text":"Alright.","start":300.95,"end":301.45,"sentiment":"neutral","sentiment_score":0.05198237299919128},{"text":"So I need to work out which one's which.","start":301.75,"end":305.83002,"sentiment":"neutral","sentiment_score":0.02500297532727321},{"text":"Oh, yep.","start":305.83002,"end":306.15002,"sentiment":"neutral","sentiment_score":0.026271839626133442},{"text":"There we go.","start":306.15002,"end":306.87003,"sentiment":"neutral","sentiment_score":0.025540849193930626}],"sentiment":"neutral","sentiment_score":0.027408796460612825,"num_words":19,"start":298.475,"end":306.87003},{"sentences":[{"text":"So on our main residence, we owe 278,000.","start":306.87003,"end":312.97,"sentiment":"neutral","sentiment_score":0.024035342154093087},{"text":"Yep.","start":319.35498,"end":319.85498,"sentiment":"neutral","sentiment_score":0.06983507424592972},{"text":"Mhmm.","start":320.395,"end":320.63498,"sentiment":"neutral","sentiment_score":0.043868646025657654},{"text":"And then on the investment property, it's 595.","start":320.63498,"end":327.375,"sentiment":"neutral","sentiment_score":0.03728382755070925},{"text":"Yep.","start":331.5,"end":331.82,"sentiment":"neutral","sentiment_score":0.04808051139116287}],"sentiment":"neutral","sentiment_score":0.03433355733164047,"num_words":19,"start":306.87003,"end":331.82},{"sentences":[{"text":"Yeah.","start":331.82,"end":332.32,"sentiment":"neutral","sentiment_score":0.03921893239021301},{"text":"Yeah.","start":337.98,"end":338.48,"sentiment":"neutral","sentiment_score":-0.013113722205162048},{"text":"Yeah.","start":338.86002,"end":339.36002,"sentiment":"neutral","sentiment_score":-0.001440633088350296},{"text":"So I think it was 70 $7.91, I think, the last I checked.","start":339.58002,"end":345.20502,"sentiment":"neutral","sentiment_score":-0.0068562686300048465},{"text":"I mean, that is just going off of realestate.com.","start":345.425,"end":350.385,"sentiment":"neutral","sentiment_score":-0.027694459797607526}],"sentiment":"neutral","sentiment_score":-0.012548682130873203,"num_words":25,"start":331.82,"end":350.385},{"sentences":[{"text":"But yeah.","start":350.385,"end":351.425,"sentiment":"neutral","sentiment_score":-0.08459853008389473},{"text":"I mean, that's always a bit tricky.","start":351.425,"end":353.025,"sentiment":"neutral","sentiment_score":-0.1795634925365448},{"text":"We haven't had it valued, I guess, since we bought it maybe.","start":353.025,"end":356.96,"sentiment":"neutral","sentiment_score":-0.1301688856134812},{"text":"I'm I'm not sure.","start":356.96,"end":357.94,"sentiment":"neutral","sentiment_score":-0.07340764719992876},{"text":"But yeah.","start":358.47998,"end":358.88,"sentiment":"neutral","sentiment_score":-0.040183624252676964}],"sentiment":"neutral","sentiment_score":-0.12452466565149801,"num_words":27,"start":350.385,"end":358.88},{"sentences":[{"text":"7 91 is what they're estimating it as.","start":358.88,"end":363.3,"sentiment":"neutral","sentiment_score":0.0033323352690786123},{"text":"Yep.","start":371.375,"end":371.875,"sentiment":"neutral","sentiment_score":0.12820324301719666},{"text":"Yeah.","start":380.095,"end":380.575,"sentiment":"neutral","sentiment_score":0.09603096544742584},{"text":"Yeah.","start":380.575,"end":381.075,"sentiment":"neutral","sentiment_score":0.03707452118396759},{"text":"Yes.","start":381.855,"end":382.32,"sentiment":"neutral","sentiment_score":0.12316592037677764}],"sentiment":"neutral","sentiment_score":0.034261111014833055,"num_words":12,"start":358.88,"end":382.32},{"sentences":[{"text":"Yep.","start":382.56,"end":383.06,"sentiment":"neutral","sentiment_score":0.1764739751815796},{"text":"Yes.","start":386.24002,"end":386.74002,"sentiment":"neutral","sentiment_score":0.2824803292751312},{"text":"Yeah.","start":386.96002,"end":387.28,"sentiment":"positive","sentiment_score":0.4050358533859253},{"text":"That part is good.","start":387.28,"end":388.32,"sentiment":"positive","sentiment_score":0.5311560332775116},{"text":"Mhmm.","start":388.32,"end":388.82,"sentiment":"neutral","sentiment_score":0.07730110734701157}],"sentiment":"positive","sentiment_score":0.38323942478746176,"num_words":8,"start":382.56,"end":388.82},{"sentences":[{"text":"Yeah.","start":394.32,"end":394.72,"sentiment":"neutral","sentiment_score":0.004820187576115131},{"text":"Well, we're planning on selling the investment property because the way it was structured when we bought it probably wasn't the right way to do it in that we did it fifty fifty.","start":394.72,"end":406.60498,"sentiment":"neutral","sentiment_score":-0.0982012649941625},{"text":"And so I don't actually get any tax benefits because I don't earn enough.","start":407.305,"end":411.725,"sentiment":"neutral","sentiment_score":-0.12636685610881873},{"text":"So yeah.","start":412.49002,"end":413.87003,"sentiment":"neutral","sentiment_score":-0.08584622666239738},{"text":"That's something we need to work out as well.","start":414.49002,"end":416.89,"sentiment":"neutral","sentiment_score":-0.10132432811790043}],"sentiment":"neutral","sentiment_score":-0.10319608388373912,"num_words":59,"start":394.32,"end":416.89},{"sentences":[{"text":"But oh, yeah.","start":416.89,"end":424.89,"sentiment":"neutral","sentiment_score":-0.05284510677059492},{"text":"Yeah.","start":424.89,"end":425.21002,"sentiment":"neutral","sentiment_score":-0.04815332219004631},{"text":"Like, that's steady as yeah.","start":425.21002,"end":427.39,"sentiment":"neutral","sentiment_score":-0.021573568508028985},{"text":"They pay the rent.","start":428.625,"end":429.76498,"sentiment":"neutral","sentiment_score":-0.034282428212463856},{"text":"They don't.","start":429.985,"end":430.645,"sentiment":"neutral","sentiment_score":-0.07813239842653275}],"sentiment":"neutral","sentiment_score":-0.04053006631632646,"num_words":15,"start":416.89,"end":430.645},{"sentences":[{"text":"But, yeah, it just means trying to, I guess, sell and then rebuy in this market.","start":432.305,"end":436.645,"sentiment":"neutral","sentiment_score":-0.07901279954239726},{"text":"Mhmm.","start":436.78497,"end":437.28497,"sentiment":"neutral","sentiment_score":-0.029275065287947655},{"text":"Yeah.","start":438.305,"end":438.705,"sentiment":"neutral","sentiment_score":-0.0834643766283989},{"text":"And to it is.","start":438.705,"end":440.31,"sentiment":"neutral","sentiment_score":-0.1451626904308796},{"text":"And to do it, so I think get the best benefit, my husband was saying we should probably buy something brand new and then essentially put it in his name, which I'm comfortable doing.","start":440.38998,"end":451.35,"sentiment":"neutral","sentiment_score":-0.012934479259831063}],"sentiment":"neutral","sentiment_score":-0.04281013019915138,"num_words":56,"start":432.305,"end":451.35},{"sentences":[{"text":"Like, I don't have any problems there, but, yeah, I guess it's just yes.","start":451.35,"end":456.675,"sentiment":"neutral","sentiment_score":0.019842648479555334},{"text":"It's nice to think that.","start":458.01498,"end":460.115,"sentiment":"neutral","sentiment_score":0.24374583661556243},{"text":"Mhmm.","start":462.97498,"end":463.47498,"sentiment":"neutral","sentiment_score":0.016390478238463402},{"text":"Okay.","start":466.335,"end":466.655,"sentiment":"neutral","sentiment_score":0.016606664285063744},{"text":"I'm just double checking that.","start":466.655,"end":468.01498,"sentiment":"neutral","sentiment_score":0.007735584303736687}],"sentiment":"neutral","sentiment_score":0.06031543560899221,"num_words":26,"start":451.35,"end":468.01498},{"sentences":[{"text":"I think it was, like, $6.80, but I'm not sure.","start":468.01498,"end":470.89,"sentiment":"neutral","sentiment_score":-0.02443712494439549},{"text":"Are you there?","start":470.89,"end":471.63,"sentiment":"neutral","sentiment_score":-0.05074602738022804},{"text":"So I thought I might have muted you while I was looking at things.","start":472.41,"end":477.23,"sentiment":"neutral","sentiment_score":-0.04571050565157618},{"text":"If I go into there, then go.","start":477.85,"end":482.67,"sentiment":"neutral","sentiment_score":-0.019550233547176634},{"text":"Yeah.","start":491.155,"end":491.475,"sentiment":"neutral","sentiment_score":0.0036013033241033554}],"sentiment":"neutral","sentiment_score":-0.033687341684365976,"num_words":35,"start":468.01498,"end":491.475},{"sentences":[{"text":"So off off the top of my head, I think it's $6.80.","start":491.475,"end":494.055,"sentiment":"neutral","sentiment_score":-0.0016532255394849926},{"text":"So yeah.","start":495.635,"end":497.655,"sentiment":"neutral","sentiment_score":0.007678482681512833},{"text":"Just having a quick look if I can find it.","start":497.875,"end":501.34,"sentiment":"neutral","sentiment_score":-0.03909693825989961},{"text":"Too many emails I need to I need to delete.","start":512.51996,"end":516.15497,"sentiment":"negative","sentiment_score":-0.37545518279075624},{"text":"And yes.","start":516.935,"end":522.875,"sentiment":"neutral","sentiment_score":-0.16674862056970596}],"sentiment":"neutral","sentiment_score":-0.12454167202102123,"num_words":36,"start":491.475,"end":522.875},{"sentences":[{"text":"Yeah.","start":524.055,"end":524.555,"sentiment":"neutral","sentiment_score":0.023003531619906425},{"text":"I'm I'm fine.","start":525.085,"end":525.995,"sentiment":"neutral","sentiment_score":0.09317977850635846},{"text":"Yeah.","start":533.17,"end":533.67,"sentiment":"neutral","sentiment_score":0.07667091488838196},{"text":"Anyway, I can keep looking while you're talking.","start":533.97,"end":537.19,"sentiment":"neutral","sentiment_score":0.05581989977508783},{"text":"Yes.","start":543.175,"end":543.675,"sentiment":"neutral","sentiment_score":0.2593787610530853}],"sentiment":"neutral","sentiment_score":0.07751083866293941,"num_words":14,"start":524.055,"end":543.675},{"sentences":[{"text":"Yes.","start":547.655,"end":548.155,"sentiment":"neutral","sentiment_score":0.11914169788360596},{"text":"Yes.","start":551.97504,"end":552.295,"sentiment":"neutral","sentiment_score":0.11526499688625336},{"text":"Yes.","start":552.295,"end":552.63,"sentiment":"neutral","sentiment_score":0.1327921450138092},{"text":"Yeah.","start":558.55,"end":559.05,"sentiment":"neutral","sentiment_score":0.11580897122621536},{"text":"Yes.","start":562.15,"end":562.65,"sentiment":"positive","sentiment_score":0.3645857572555542}],"sentiment":"neutral","sentiment_score":0.16951871365308763,"num_words":5,"start":547.655,"end":562.65},{"sentences":[{"text":"Yeah.","start":565.94495,"end":566.185,"sentiment":"neutral","sentiment_score":0.1477954089641571},{"text":"And I think I mean, it's probably relative to the area that it's in.","start":566.185,"end":569.785,"sentiment":"neutral","sentiment_score":0.10354815583143916},{"text":"Even though the property is saying it's worth that, it's like yeah.","start":569.785,"end":574.285,"sentiment":"neutral","sentiment_score":0.030745444508890312},{"text":"But then again, I mean, yeah, I do look, see what's going around there.","start":575.70496,"end":580.52496,"sentiment":"neutral","sentiment_score":0.04502280881362302},{"text":"And it's not bad, but it will probably go up again.","start":580.61005,"end":582.93005,"sentiment":"neutral","sentiment_score":-0.017676246775822205}],"sentiment":"neutral","sentiment_score":0.04619799103014744,"num_words":52,"start":565.94495,"end":582.93005},{"sentences":[{"text":"Like, they might increase it again.","start":582.93005,"end":584.79004,"sentiment":"neutral","sentiment_score":-0.001890207330385844},{"text":"I think it was July that around then that the sort of lease is due to run out.","start":584.93005,"end":591.35004,"sentiment":"neutral","sentiment_score":0.01060870165626208},{"text":"So that's just why I tend to bump it up.","start":592.21,"end":594.735,"sentiment":"neutral","sentiment_score":0.2861233279109001},{"text":"Yep.","start":611.2,"end":611.7,"sentiment":"positive","sentiment_score":0.4327976107597351},{"text":"We've got a wheel.","start":621.04,"end":622.1,"sentiment":"neutral","sentiment_score":-0.00564032862894237}],"sentiment":"neutral","sentiment_score":0.08848935797906075,"num_words":39,"start":582.93005,"end":622.1},{"sentences":[{"text":"I don't know if we've got I don't know who we would have thought the power of attorney.","start":623.52,"end":627.615,"sentiment":"neutral","sentiment_score":-0.050189423892233104},{"text":"It's like this is but that's we did this, like, probably ten years ago.","start":627.615,"end":632.515,"sentiment":"neutral","sentiment_score":-0.06105237321129867},{"text":"We did a wheel.","start":633.375,"end":634.515,"sentiment":"neutral","sentiment_score":-0.04089979827404022},{"text":"So we might need to already look at that as well.","start":635.135,"end":639.09,"sentiment":"neutral","sentiment_score":-0.07767713311212984},{"text":"Yep.","start":639.39,"end":639.87,"sentiment":"neutral","sentiment_score":0.021331358700990677}],"sentiment":"neutral","sentiment_score":-0.057392899034311995,"num_words":48,"start":623.52,"end":639.87},{"sentences":[{"text":"Yep.","start":639.87,"end":640.11,"sentiment":"neutral","sentiment_score":0.035873256623744965},{"text":"Alright.","start":640.11,"end":640.43,"sentiment":"neutral","sentiment_score":0.06285019218921661},{"text":"I'll pop that down as something to to do.","start":640.43,"end":643.33,"sentiment":"neutral","sentiment_score":0.06366403442290094},{"text":"Okay.","start":648.11,"end":648.61,"sentiment":"neutral","sentiment_score":0.2203182578086853},{"text":"Yep.","start":649.39,"end":649.89,"sentiment":"neutral","sentiment_score":0.17321160435676575}],"sentiment":"neutral","sentiment_score":0.08194074006034778,"num_words":13,"start":639.87,"end":649.89},{"sentences":[{"text":"Yep.","start":653.455,"end":653.955,"sentiment":"neutral","sentiment_score":0.06959745287895203},{"text":"Yep.","start":664.255,"end":664.495,"sentiment":"neutral","sentiment_score":-0.009412058629095554},{"text":"No.","start":664.495,"end":664.995,"sentiment":"neutral","sentiment_score":-0.11146742105484007},{"text":"Yep.","start":666.51,"end":667.01,"sentiment":"neutral","sentiment_score":0.03110983781516552},{"text":"I'll check that as well.","start":667.31,"end":668.85,"sentiment":"neutral","sentiment_score":0.12721270471811294}],"sentiment":"neutral","sentiment_score":0.06843237051119407,"num_words":9,"start":653.455,"end":668.85},{"sentences":[{"text":"Yep.","start":671.31,"end":671.81,"sentiment":"neutral","sentiment_score":0.016298888251185417},{"text":"Yes.","start":672.75,"end":673.25,"sentiment":"neutral","sentiment_score":0.006981069687753916},{"text":"Mhmm.","start":674.75,"end":675.25,"sentiment":"neutral","sentiment_score":-0.023343538865447044},{"text":"Nope.","start":679.07,"end":679.515,"sentiment":"neutral","sentiment_score":-0.10216176509857178},{"text":"I don't know what that is.","start":679.59503,"end":680.715,"sentiment":"neutral","sentiment_score":-0.1024172914524873}],"sentiment":"neutral","sentiment_score":-0.07167290947400033,"num_words":10,"start":671.31,"end":680.715},{"sentences":[{"text":"So no.","start":680.715,"end":681.375,"sentiment":"neutral","sentiment_score":-0.12052951380610466},{"text":"Oh, no.","start":686.395,"end":687.03503,"sentiment":"neutral","sentiment_score":-0.09367568790912628},{"text":"No.","start":687.03503,"end":687.53503,"sentiment":"neutral","sentiment_score":-0.22168076038360596},{"text":"No.","start":687.91504,"end":688.41504,"sentiment":"neutral","sentiment_score":-0.06544075906276703},{"text":"No.","start":694.6,"end":694.84,"sentiment":"neutral","sentiment_score":0.04219791293144226}],"sentiment":"neutral","sentiment_score":-0.09619057284934181,"num_words":7,"start":680.715,"end":694.84},{"sentences":[{"text":"And we did buy a caravan, so that's an asset as well.","start":694.84,"end":699.58,"sentiment":"neutral","sentiment_score":0.1774691647539536},{"text":"I don't know.","start":700.36,"end":701.18,"sentiment":"neutral","sentiment_score":-0.026454656695326168},{"text":"Yep.","start":701.72,"end":702.22,"sentiment":"neutral","sentiment_score":0.015582035295665264},{"text":"No.","start":705.615,"end":705.855,"sentiment":"neutral","sentiment_score":-0.04695840924978256},{"text":"We purchased it.","start":705.855,"end":707.395,"sentiment":"neutral","sentiment_score":-0.006771907210350037}],"sentiment":"neutral","sentiment_score":0.09992869556881487,"num_words":20,"start":694.84,"end":707.395},{"sentences":[{"text":"Probably about well, between 70 and 80,000.","start":710.575,"end":713.315,"sentiment":"neutral","sentiment_score":0.04363081098667213},{"text":"Yep.","start":716.735,"end":717.055,"sentiment":"neutral","sentiment_score":0.08859260380268097},{"text":"There you go.","start":717.055,"end":717.535,"sentiment":"neutral","sentiment_score":0.042706439892450966},{"text":"Why not?","start":717.535,"end":718.275,"sentiment":"neutral","sentiment_score":-0.003700864501297474},{"text":"That would be amazing.","start":727.44,"end":728.66003,"sentiment":"positive","sentiment_score":0.4896494001150131}],"sentiment":"neutral","sentiment_score":0.14548961599083507,"num_words":17,"start":710.575,"end":728.66003},{"sentences":[{"text":"But, yeah, at the moment, it's just for doing sort of, like, short weekend trips while we can get away.","start":728.72003,"end":733.22003,"sentiment":"neutral","sentiment_score":0.06556404307484627},{"text":"Yeah.","start":737.395,"end":737.895,"sentiment":"neutral","sentiment_score":0.09904170036315918},{"text":"Yeah.","start":743.395,"end":743.79504,"sentiment":"neutral","sentiment_score":0.10902617871761322},{"text":"Yeah.","start":743.79504,"end":744.29504,"sentiment":"neutral","sentiment_score":0.0998855158686638},{"text":"Yeah.","start":748.35504,"end":748.85504,"sentiment":"neutral","sentiment_score":-0.04657154530286789}],"sentiment":"neutral","sentiment_score":0.06552761296431224,"num_words":24,"start":728.72003,"end":748.85504},{"sentences":[{"text":"Definitely.","start":752.22003,"end":752.72003,"sentiment":"neutral","sentiment_score":-0.091816745698452},{"text":"Yes.","start":754.7,"end":755.2,"sentiment":"neutral","sentiment_score":0.11581658571958542},{"text":"Yep.","start":755.26,"end":755.76,"sentiment":"neutral","sentiment_score":0.23450404405593872},{"text":"Yep.","start":760.14,"end":760.64,"sentiment":"neutral","sentiment_score":0.17232993245124817},{"text":"Okay.","start":763.915,"end":764.415,"sentiment":"neutral","sentiment_score":0.1052865907549858}],"sentiment":"neutral","sentiment_score":0.10722408145666122,"num_words":5,"start":752.22003,"end":764.415},{"sentences":[{"text":"Yes.","start":768.95496,"end":769.45496,"sentiment":"neutral","sentiment_score":0.10443523526191711},{"text":"Yes.","start":776.235,"end":776.735,"sentiment":"neutral","sentiment_score":0.14349287748336792},{"text":"Okay.","start":779.1,"end":779.6,"sentiment":"neutral","sentiment_score":0.1202891394495964},{"text":"Oh, we would definitely I mean, our aim wouldn't be to ultimately, yeah, retire earlier than later.","start":783.42,"end":789.92,"sentiment":"neutral","sentiment_score":0.1078677492983201},{"text":"And so yeah.","start":791.02,"end":792.7,"sentiment":"neutral","sentiment_score":0.07835160692532857}],"sentiment":"neutral","sentiment_score":0.10595755700183951,"num_words":23,"start":768.95496,"end":792.7},{"sentences":[{"text":"I think my husband yeah.","start":792.7,"end":794.645,"sentiment":"neutral","sentiment_score":0.04188526347279549},{"text":"My husband works very, very hard.","start":794.705,"end":796.645,"sentiment":"neutral","sentiment_score":-0.034456454838315644},{"text":"You know, six days a week, you know, sixty plus, you know, hours a week as well.","start":796.865,"end":803.685,"sentiment":"neutral","sentiment_score":0.007642806562430719},{"text":"Yeah.","start":804.945,"end":805.445,"sentiment":"neutral","sentiment_score":0.09839297831058502},{"text":"So and he earns decent money, which oh, yeah.","start":806.03,"end":811.71,"sentiment":"neutral","sentiment_score":0.25760101940896774}],"sentiment":"neutral","sentiment_score":0.06708993297070265,"num_words":38,"start":792.7,"end":811.71},{"sentences":[{"text":"So, I mean, yes.","start":811.71,"end":812.83,"sentiment":"neutral","sentiment_score":0.186753798276186},{"text":"Ideally, that's why I guess we, you know, wanna try and get this investment property working better for us.","start":812.83,"end":818.325,"sentiment":"neutral","sentiment_score":0.16557952879290833},{"text":"Okay.","start":834.49,"end":834.99,"sentiment":"neutral","sentiment_score":0.07385189831256866},{"text":"Okay.","start":839.05,"end":839.20996,"sentiment":"positive","sentiment_score":0.4343206286430359},{"text":"That sounds good.","start":839.20996,"end":840.27,"sentiment":"positive","sentiment_score":0.6820048888524374}],"sentiment":"neutral","sentiment_score":0.2302576226315328,"num_words":28,"start":811.71,"end":840.27},{"sentences":[{"text":"Yep.","start":848.415,"end":848.915,"sentiment":"neutral","sentiment_score":0.10996678471565248},{"text":"I know it's just it's a lot more than me because I I am gonna have my child and work part time for a while.","start":863.75995,"end":870.075,"sentiment":"neutral","sentiment_score":0.009976540599018336},{"text":"Oh, gosh.","start":870.075,"end":872.235,"sentiment":"neutral","sentiment_score":0.011376987677067518},{"text":"I can't think off the top of my head.","start":872.235,"end":874.015,"sentiment":"neutral","sentiment_score":-0.05769083980056974},{"text":"Yeah.","start":875.515,"end":875.755,"sentiment":"neutral","sentiment_score":0.02948062494397163}],"sentiment":"neutral","sentiment_score":-0.0028316489004186892,"num_words":38,"start":848.415,"end":875.755},{"sentences":[{"text":"It's something that I can ask him, but, yeah, he could share.","start":875.755,"end":878.815,"sentiment":"neutral","sentiment_score":0.052962480733791985},{"text":"But, I mean, I'd say it's over 300,000.","start":879.03503,"end":882.09503,"sentiment":"neutral","sentiment_score":0.05338044045493007},{"text":"Yes.","start":891.26,"end":891.76,"sentiment":"neutral","sentiment_score":0.16710983216762543},{"text":"Mhmm.","start":893.1,"end":893.6,"sentiment":"neutral","sentiment_score":0.059569984674453735},{"text":"Yes.","start":895.66,"end":895.995,"sentiment":"neutral","sentiment_score":0.03150380402803421}],"sentiment":"neutral","sentiment_score":0.057425083187611206,"num_words":23,"start":875.755,"end":895.995},{"sentences":[{"text":"Yep.","start":899.515,"end":900.015,"sentiment":"neutral","sentiment_score":0.08980777114629745},{"text":"Yep.","start":905.435,"end":905.935,"sentiment":"neutral","sentiment_score":0.04374038428068161},{"text":"Yep.","start":906.635,"end":907.135,"sentiment":"neutral","sentiment_score":0.04185774177312851},{"text":"Well, that's not too far off.","start":907.915,"end":910.015,"sentiment":"neutral","sentiment_score":-0.027232498473798234},{"text":"Yes.","start":910.54004,"end":911.04004,"sentiment":"neutral","sentiment_score":0.056974753737449646}],"sentiment":"neutral","sentiment_score":0.0068985660094767805,"num_words":10,"start":899.515,"end":911.04004},{"sentences":[{"text":"Yep.","start":913.18,"end":913.68,"sentiment":"neutral","sentiment_score":0.09991522878408432},{"text":"Yeah.","start":931.735,"end":932.235,"sentiment":"neutral","sentiment_score":-0.03406586870551109},{"text":"Yes.","start":933.255,"end":933.755,"sentiment":"neutral","sentiment_score":-0.01139458641409874},{"text":"Yes.","start":935.09503,"end":935.59503,"sentiment":"neutral","sentiment_score":-0.0033508529886603355},{"text":"Mhmm.","start":936.0,"end":936.5,"sentiment":"neutral","sentiment_score":-0.013333208858966827}],"sentiment":"neutral","sentiment_score":0.0075541423633694645,"num_words":5,"start":913.18,"end":936.5},{"sentences":[{"text":"Yep.","start":942.96,"end":943.46,"sentiment":"neutral","sentiment_score":-0.10525896400213242},{"text":"Yes.","start":946.0,"end":946.5,"sentiment":"neutral","sentiment_score":-0.12443060427904128},{"text":"Mhmm.","start":946.64,"end":947.14,"sentiment":"neutral","sentiment_score":-0.14050137996673584},{"text":"Yep.","start":948.96,"end":949.46,"sentiment":"neutral","sentiment_score":-0.16229484975337982},{"text":"Yep.","start":950.865,"end":951.26495,"sentiment":"neutral","sentiment_score":0.1675618290901184}],"sentiment":"neutral","sentiment_score":-0.07298479378223419,"num_words":5,"start":942.96,"end":951.26495},{"sentences":[{"text":"Absolutely.","start":951.26495,"end":951.76495,"sentiment":"neutral","sentiment_score":0.33232131600379944},{"text":"Mhmm.","start":952.14496,"end":952.64496,"sentiment":"neutral","sentiment_score":0.21599213778972623},{"text":"Yep.","start":958.14496,"end":958.64496,"sentiment":"neutral","sentiment_score":0.2546641230583191},{"text":"Mhmm.","start":965.09,"end":965.59,"sentiment":"neutral","sentiment_score":0.09029868245124816},{"text":"Yep.","start":971.33,"end":971.83,"sentiment":"neutral","sentiment_score":0.07328654080629349}],"sentiment":"neutral","sentiment_score":0.1933125600218773,"num_words":5,"start":951.26495,"end":971.83},{"sentences":[{"text":"Okay.","start":973.81,"end":974.31,"sentiment":"neutral","sentiment_score":0.13530442118644714},{"text":"Yep.","start":974.45,"end":974.95,"sentiment":"neutral","sentiment_score":0.10710664093494417},{"text":"Yep.","start":985.505,"end":985.745,"sentiment":"neutral","sentiment_score":0.13737325370311737},{"text":"Yes.","start":985.745,"end":986.245,"sentiment":"neutral","sentiment_score":0.1730126142501831},{"text":"Yep.","start":987.905,"end":988.405,"sentiment":"neutral","sentiment_score":0.1242254227399826}],"sentiment":"neutral","sentiment_score":0.13540447056293486,"num_words":5,"start":973.81,"end":988.405},{"sentences":[{"text":"Mhmm.","start":990.785,"end":991.2,"sentiment":"neutral","sentiment_score":0.058094803243875504},{"text":"Yep.","start":991.52,"end":992.02,"sentiment":"neutral","sentiment_score":0.13287176191806793},{"text":"Yeah.","start":999.76,"end":1000.16003,"sentiment":"neutral","sentiment_score":-0.018883224576711655},{"text":"Not not as much as I should.","start":1000.16003,"end":1001.94,"sentiment":"neutral","sentiment_score":-0.14493054577282496},{"text":"I did a raise of less.","start":1002.4,"end":1004.10004,"sentiment":"neutral","sentiment_score":-0.1525072678923607}],"sentiment":"neutral","sentiment_score":-0.1098421304486692,"num_words":16,"start":990.785,"end":1004.10004},{"sentences":[{"text":"Oh, wow.","start":1008.935,"end":1009.675,"sentiment":"neutral","sentiment_score":-0.05670148506760598},{"text":"Yes.","start":1010.615,"end":1011.115,"sentiment":"neutral","sentiment_score":-0.02249635010957718},{"text":"Mhmm.","start":1016.375,"end":1016.875,"sentiment":"neutral","sentiment_score":0.04087141901254654},{"text":"I no.","start":1028.55,"end":1031.2101,"sentiment":"neutral","sentiment_score":-0.17375245690345764},{"text":"Exactly.","start":1032.55,"end":1033.05,"sentiment":"neutral","sentiment_score":-0.026432082056999207}],"sentiment":"neutral","sentiment_score":-0.06699498529945101,"num_words":7,"start":1008.935,"end":1033.05},{"sentences":[{"text":"Yeah.","start":1033.1901,"end":1033.6901,"sentiment":"neutral","sentiment_score":-0.045404814183712006},{"text":"I think it was yeah.","start":1033.91,"end":1034.79,"sentiment":"neutral","sentiment_score":-0.11164356470108032},{"text":"Like, at higher risk at the moment.","start":1034.79,"end":1037.075,"sentiment":"neutral","sentiment_score":-0.1784181935446603},{"text":"Yep.","start":1038.255,"end":1038.755,"sentiment":"neutral","sentiment_score":0.005951453931629658},{"text":"Yeah.","start":1039.135,"end":1039.495,"sentiment":"neutral","sentiment_score":-0.01779302768409252}],"sentiment":"neutral","sentiment_score":-0.12429277108361324,"num_words":15,"start":1033.1901,"end":1039.495},{"sentences":[{"text":"Could Yep.","start":1039.495,"end":1046.675,"sentiment":"neutral","sentiment_score":0.06389930285513401},{"text":"Okay.","start":1047.615,"end":1048.115,"sentiment":"neutral","sentiment_score":0.18511037528514865},{"text":"Yeah.","start":1050.39,"end":1050.5499,"sentiment":"neutral","sentiment_score":0.033968500792980194},{"text":"I pity it was an oil.","start":1050.5499,"end":1051.85,"sentiment":"neutral","sentiment_score":-0.22848512729008993},{"text":"Yeah.","start":1058.23,"end":1058.73,"sentiment":"neutral","sentiment_score":0.021106064319610596}],"sentiment":"neutral","sentiment_score":-0.09117520160295746,"num_words":11,"start":1039.495,"end":1058.73},{"sentences":[{"text":"Yeah.","start":1059.4299,"end":1059.9299,"sentiment":"neutral","sentiment_score":0.1844080090522766},{"text":"Mhmm.","start":1069.215,"end":1069.715,"sentiment":"neutral","sentiment_score":0.13822266459465027},{"text":"Yeah.","start":1088.03,"end":1088.53,"sentiment":"positive","sentiment_score":0.4001835584640503},{"text":"Not off the top of my head.","start":1102.405,"end":1104.025,"sentiment":"neutral","sentiment_score":-0.047631031168358665},{"text":"I can have a look.","start":1105.8201,"end":1106.8,"sentiment":"neutral","sentiment_score":0.03538827672600746}],"sentiment":"neutral","sentiment_score":0.03775589317083359,"num_words":15,"start":1059.4299,"end":1106.8},{"sentences":[{"text":"Oh, yep.","start":1107.74,"end":1108.48,"sentiment":"neutral","sentiment_score":-0.0046303903218358755},{"text":"Yes.","start":1121.665,"end":1122.165,"sentiment":"neutral","sentiment_score":-0.0122103588655591},{"text":"Gotcha.","start":1127.5851,"end":1128.0851,"sentiment":"neutral","sentiment_score":-0.053443413227796555},{"text":"Yes.","start":1128.2251,"end":1128.7251,"sentiment":"neutral","sentiment_score":-0.061017006635665894},{"text":"Yep.","start":1140.7999,"end":1141.2999,"sentiment":"neutral","sentiment_score":-0.248244971036911}],"sentiment":"neutral","sentiment_score":-0.06402942173493405,"num_words":6,"start":1107.74,"end":1141.2999},{"sentences":[{"text":"Yep.","start":1147.7749,"end":1148.2749,"sentiment":"neutral","sentiment_score":-0.03213052079081535},{"text":"Yep.","start":1155.695,"end":1156.195,"sentiment":"neutral","sentiment_score":-0.03634902834892273},{"text":"Yep.","start":1158.975,"end":1159.475,"sentiment":"neutral","sentiment_score":0.03207781910896301},{"text":"Yes.","start":1159.615,"end":1160.07,"sentiment":"neutral","sentiment_score":0.006647069007158279},{"text":"No.","start":1164.23,"end":1164.47,"sentiment":"neutral","sentiment_score":-0.2213691473007202}],"sentiment":"neutral","sentiment_score":-0.050224761664867404,"num_words":5,"start":1147.7749,"end":1164.47},{"sentences":[{"text":"That's good.","start":1164.47,"end":1165.21,"sentiment":"neutral","sentiment_score":-0.01557081751525402},{"text":"Mhmm.","start":1173.0299,"end":1173.5299,"sentiment":"neutral","sentiment_score":0.03010091558098793},{"text":"Yep.","start":1173.6699,"end":1174.1699,"sentiment":"neutral","sentiment_score":0.1352575421333313},{"text":"Mhmm.","start":1183.215,"end":1183.2949,"sentiment":"neutral","sentiment_score":0.1711317002773285},{"text":"Yep.","start":1183.2949,"end":1183.7949,"sentiment":"neutral","sentiment_score":0.2621113061904907}],"sentiment":"neutral","sentiment_score":0.0945766381919384,"num_words":6,"start":1164.47,"end":1183.7949},{"sentences":[{"text":"Okay.","start":1185.7749,"end":1186.2749,"sentiment":"neutral","sentiment_score":0.2371031492948532},{"text":"Yeah.","start":1198.79,"end":1199.27,"sentiment":"neutral","sentiment_score":0.17828324437141418},{"text":"Okay.","start":1199.27,"end":1199.77,"sentiment":"neutral","sentiment_score":0.22663526237010956},{"text":"Mhmm.","start":1212.4851,"end":1212.7251,"sentiment":"neutral","sentiment_score":-0.03740847855806351},{"text":"Yep.","start":1212.7251,"end":1213.2251,"sentiment":"neutral","sentiment_score":-0.01851944997906685}],"sentiment":"neutral","sentiment_score":0.11721874549984931,"num_words":5,"start":1185.7749,"end":1213.2251},{"sentences":[{"text":"Yep.","start":1220.58,"end":1221.08,"sentiment":"neutral","sentiment_score":-0.005684363655745983},{"text":"It's hard to say.","start":1222.18,"end":1223.48,"sentiment":"neutral","sentiment_score":-0.1112413089722395},{"text":"Yeah.","start":1225.995,"end":1226.495,"sentiment":"neutral","sentiment_score":-0.11144671589136124},{"text":"It's a gamble, isn't it, really?","start":1227.115,"end":1229.055,"sentiment":"neutral","sentiment_score":-0.13069471220175424},{"text":"I mean, because I well, I'm turning 50 this year.","start":1229.355,"end":1232.895,"sentiment":"neutral","sentiment_score":-0.036481420323252675}],"sentiment":"neutral","sentiment_score":-0.07777630872177807,"num_words":22,"start":1220.58,"end":1232.895},{"sentences":[{"text":"So yeah.","start":1232.955,"end":1235.215,"sentiment":"neutral","sentiment_score":-0.006897632963955402},{"text":"Hard to say.","start":1236.3151,"end":1237.295,"sentiment":"neutral","sentiment_score":-0.05144526188572248},{"text":"Yeah.","start":1240.4501,"end":1240.9501,"sentiment":"neutral","sentiment_score":-0.025938892737030983},{"text":"Yeah.","start":1247.49,"end":1247.65,"sentiment":"neutral","sentiment_score":0.025108838453888893},{"text":"So yeah.","start":1247.65,"end":1248.63,"sentiment":"neutral","sentiment_score":0.06506790034472942}],"sentiment":"neutral","sentiment_score":-0.004313922797640164,"num_words":9,"start":1232.955,"end":1248.63},{"sentences":[{"text":"Yes.","start":1250.85,"end":1251.35,"sentiment":"neutral","sentiment_score":0.09631704539060593},{"text":"Okay.","start":1251.645,"end":1251.765,"sentiment":"neutral","sentiment_score":0.11479784548282625},{"text":"You know that stuff.","start":1251.765,"end":1253.665,"sentiment":"neutral","sentiment_score":0.15808271616697311},{"text":"Yes.","start":1261.405,"end":1261.905,"sentiment":"neutral","sentiment_score":0.09730301052331924},{"text":"Okay.","start":1262.285,"end":1262.685,"sentiment":"neutral","sentiment_score":0.09527305513620377}],"sentiment":"neutral","sentiment_score":0.12950272765010595,"num_words":8,"start":1250.85,"end":1262.685},{"sentences":[{"text":"Yep.","start":1262.685,"end":1263.0851,"sentiment":"neutral","sentiment_score":0.08116190135478973},{"text":"Alright.","start":1263.0851,"end":1263.405,"sentiment":"neutral","sentiment_score":0.00823170505464077},{"text":"Let let's leave it for now, and then that's why we have these annual reviews.","start":1263.405,"end":1266.865,"sentiment":"neutral","sentiment_score":0.06174940653145313},{"text":"Yep.","start":1269.84,"end":1270.34,"sentiment":"neutral","sentiment_score":0.15363092720508575},{"text":"Yes.","start":1293.2051,"end":1293.685,"sentiment":"neutral","sentiment_score":0.0839138776063919}],"sentiment":"neutral","sentiment_score":0.06595681627330027,"num_words":19,"start":1262.685,"end":1293.685},{"sentences":[{"text":"That would be more the case.","start":1293.685,"end":1294.885,"sentiment":"neutral","sentiment_score":0.07546484718720119},{"text":"For sure.","start":1294.885,"end":1295.365,"sentiment":"neutral","sentiment_score":0.1971057876944542},{"text":"Definitely.","start":1295.365,"end":1295.865,"sentiment":"neutral","sentiment_score":0.29512274265289307},{"text":"Mhmm.","start":1297.99,"end":1298.49,"sentiment":"neutral","sentiment_score":0.15624023973941803},{"text":"Yep.","start":1302.9501,"end":1303.4501,"sentiment":"neutral","sentiment_score":0.33014723658561707}],"sentiment":"neutral","sentiment_score":0.1480464434081858,"num_words":11,"start":1293.685,"end":1303.4501},{"sentences":[{"text":"Yep.","start":1307.11,"end":1307.61,"sentiment":"neutral","sentiment_score":0.3107452392578125},{"text":"Yep.","start":1310.7101,"end":1311.2101,"sentiment":"neutral","sentiment_score":0.23938915133476257},{"text":"Sounds good.","start":1312.8351,"end":1313.4751,"sentiment":"positive","sentiment_score":0.5152740180492401},{"text":"Yep.","start":1313.4751,"end":1313.9751,"sentiment":"neutral","sentiment_score":0.1887400597333908},{"text":"Yes.","start":1321.9551,"end":1322.3551,"sentiment":"neutral","sentiment_score":0.04706293344497681}],"sentiment":"neutral","sentiment_score":0.30274756997823715,"num_words":6,"start":1307.11,"end":1322.3551},{"sentences":[{"text":"So I know I've got that there.","start":1322.3551,"end":1323.9751,"sentiment":"neutral","sentiment_score":0.022827764174767902},{"text":"So yes.","start":1324.46,"end":1325.76,"sentiment":"neutral","sentiment_score":0.06549462676048279},{"text":"Whether that's still, I guess, relevant, like, the the amount that it's there for or whether that can be dropped down.","start":1326.14,"end":1335.92,"sentiment":"neutral","sentiment_score":0.000543348513366211},{"text":"Yes.","start":1336.3,"end":1336.78,"sentiment":"neutral","sentiment_score":0.11255256831645966},{"text":"Yep.","start":1336.78,"end":1337.025,"sentiment":"neutral","sentiment_score":0.10703647136688232}],"sentiment":"neutral","sentiment_score":0.016305717537761666,"num_words":32,"start":1322.3551,"end":1337.025},{"sentences":[{"text":"Yep.","start":1345.985,"end":1346.485,"sentiment":"neutral","sentiment_score":0.11993511766195296},{"text":"Mhmm.","start":1354.28,"end":1354.78,"sentiment":"neutral","sentiment_score":0.06860056519508362},{"text":"Yeah.","start":1355.48,"end":1355.98,"sentiment":"neutral","sentiment_score":0.08151648193597794},{"text":"Okay.","start":1361.48,"end":1361.98,"sentiment":"neutral","sentiment_score":0.056108828634023666},{"text":"Which book?","start":1364.2,"end":1365.1,"sentiment":"neutral","sentiment_score":0.022739697247743607}],"sentiment":"neutral","sentiment_score":0.061940064653754234,"num_words":6,"start":1345.985,"end":1365.1},{"sentences":[{"text":"Mhmm.","start":1366.04,"end":1366.54,"sentiment":"neutral","sentiment_score":0.05675927549600601},{"text":"Okay.","start":1373.985,"end":1374.385,"sentiment":"neutral","sentiment_score":0.10131621360778809},{"text":"Yep.","start":1374.385,"end":1374.885,"sentiment":"neutral","sentiment_score":0.0962289422750473},{"text":"Yeah.","start":1377.025,"end":1377.525,"sentiment":"neutral","sentiment_score":0.006050996482372284},{"text":"I get older.","start":1381.13,"end":1381.95,"sentiment":"neutral","sentiment_score":-0.06949278588096301}],"sentiment":"neutral","sentiment_score":0.007411010031189237,"num_words":7,"start":1366.04,"end":1381.95},{"sentences":[{"text":"Yeah.","start":1382.17,"end":1382.67,"sentiment":"neutral","sentiment_score":-0.009310184977948666},{"text":"Yes.","start":1385.77,"end":1386.27,"sentiment":"neutral","sentiment_score":0.06821607053279877},{"text":"Yep.","start":1386.41,"end":1386.91,"sentiment":"neutral","sentiment_score":0.05962875485420227},{"text":"Mhmm.","start":1387.21,"end":1387.71,"sentiment":"neutral","sentiment_score":0.04565062373876572},{"text":"Mhmm.","start":1391.53,"end":1392.03,"sentiment":"neutral","sentiment_score":0.018396448343992233}],"sentiment":"neutral","sentiment_score":0.03651634249836207,"num_words":5,"start":1382.17,"end":1392.03},{"sentences":[{"text":"Yes.","start":1394.3451,"end":1394.8251,"sentiment":"neutral","sentiment_score":0.1122964695096016},{"text":"Yep.","start":1394.8251,"end":1395.145,"sentiment":"neutral","sentiment_score":0.17076711356639862},{"text":"Is it worth doing that?","start":1395.145,"end":1396.425,"sentiment":"neutral","sentiment_score":0.1868928164243698},{"text":"Yep.","start":1396.425,"end":1396.925,"sentiment":"neutral","sentiment_score":0.054272107779979706},{"text":"Okay.","start":1400.8251,"end":1401.3251,"sentiment":"neutral","sentiment_score":0.03209421783685684}],"sentiment":"neutral","sentiment_score":0.14487711009052065,"num_words":9,"start":1394.3451,"end":1401.3251},{"sentences":[{"text":"Gotcha.","start":1401.4651,"end":1401.9651,"sentiment":"neutral","sentiment_score":0.0019662827253341675},{"text":"Yep.","start":1402.1051,"end":1402.6051,"sentiment":"neutral","sentiment_score":-0.013313598930835724},{"text":"Yeah.","start":1408.5851,"end":1408.98,"sentiment":"neutral","sentiment_score":0.024314796552062035},{"text":"Possibly.","start":1416.98,"end":1417.48,"sentiment":"neutral","sentiment_score":-0.08925698697566986},{"text":"Yes.","start":1424.0651,"end":1424.5651,"sentiment":"neutral","sentiment_score":0.040202703326940536}],"sentiment":"neutral","sentiment_score":-0.007217360660433769,"num_words":5,"start":1401.4651,"end":1424.5651},{"sentences":[{"text":"Mhmm.","start":1433.425,"end":1433.585,"sentiment":"neutral","sentiment_score":0.007031258195638657},{"text":"Yes.","start":1433.585,"end":1434.085,"sentiment":"neutral","sentiment_score":0.05268584191799164},{"text":"Maybe we'll leave it for another year and then we'll see.","start":1439.31,"end":1441.95,"sentiment":"neutral","sentiment_score":-0.019456851105629044},{"text":"Well, yeah, we'll keep an eye on it.","start":1441.95,"end":1443.31,"sentiment":"neutral","sentiment_score":0.09113711211830378},{"text":"We'll leave it over this then.","start":1443.31,"end":1444.69,"sentiment":"neutral","sentiment_score":0.05500140289465586}],"sentiment":"neutral","sentiment_score":0.0335110019357806,"num_words":27,"start":1433.425,"end":1444.69},{"sentences":[{"text":"Yep.","start":1444.91,"end":1445.41,"sentiment":"neutral","sentiment_score":0.09277652949094772},{"text":"Mhmm.","start":1448.19,"end":1448.69,"sentiment":"neutral","sentiment_score":0.047100767493247986},{"text":"Yeah.","start":1451.1449,"end":1451.6449,"sentiment":"neutral","sentiment_score":0.042416684329509735},{"text":"Yeah.","start":1458.9049,"end":1459.1449,"sentiment":"neutral","sentiment_score":0.059653088450431824},{"text":"Yeah.","start":1459.1449,"end":1459.465,"sentiment":"neutral","sentiment_score":0.09945748001337051}],"sentiment":"neutral","sentiment_score":0.06828090995550155,"num_words":5,"start":1444.91,"end":1459.465},{"sentences":[{"text":"Absolutely.","start":1459.465,"end":1459.965,"sentiment":"neutral","sentiment_score":0.15546196699142456},{"text":"Yep.","start":1465.3,"end":1465.8,"sentiment":"neutral","sentiment_score":0.062492068856954575},{"text":"Yep.","start":1466.66,"end":1467.16,"sentiment":"neutral","sentiment_score":0.03837473317980766},{"text":"Mhmm.","start":1468.8201,"end":1469.3201,"sentiment":"neutral","sentiment_score":0.033549707382917404},{"text":"Yep.","start":1470.18,"end":1470.68,"sentiment":"neutral","sentiment_score":0.02978472411632538}],"sentiment":"neutral","sentiment_score":0.06393264010548591,"num_words":5,"start":1459.465,"end":1470.68},{"sentences":[{"text":"Yes.","start":1471.86,"end":1472.36,"sentiment":"neutral","sentiment_score":0.07537730038166046},{"text":"Gotcha.","start":1474.1,"end":1474.6,"sentiment":"neutral","sentiment_score":0.05549587309360504},{"text":"Yeah.","start":1474.66,"end":1474.8201,"sentiment":"neutral","sentiment_score":0.06786070764064789},{"text":"No.","start":1474.8201,"end":1475.06,"sentiment":"neutral","sentiment_score":0.08231550455093384},{"text":"That sounds good.","start":1475.06,"end":1475.96,"sentiment":"neutral","sentiment_score":0.2795147697130839}],"sentiment":"neutral","sentiment_score":0.15994195640087128,"num_words":7,"start":1471.86,"end":1475.96},{"sentences":[{"text":"Yep.","start":1482.355,"end":1482.855,"sentiment":"neutral","sentiment_score":0.008587084710597992},{"text":"I would imagine.","start":1486.755,"end":1487.655,"sentiment":"neutral","sentiment_score":-0.05859562257925669},{"text":"Yeah.","start":1487.875,"end":1488.375,"sentiment":"neutral","sentiment_score":0.04009757563471794},{"text":"Okay.","start":1495.68,"end":1496.18,"sentiment":"neutral","sentiment_score":0.028210658580064777},{"text":"Yes.","start":1508.56,"end":1509.06,"sentiment":"neutral","sentiment_score":0.04608897119760513}],"sentiment":"neutral","sentiment_score":-0.007543225373540606,"num_words":7,"start":1482.355,"end":1509.06},{"sentences":[{"text":"Yes.","start":1509.245,"end":1509.645,"sentiment":"neutral","sentiment_score":0.055447280406951904},{"text":"Without a doubt.","start":1509.645,"end":1510.625,"sentiment":"neutral","sentiment_score":0.04181874170899391},{"text":"No.","start":1516.765,"end":1517.0851,"sentiment":"neutral","sentiment_score":-0.14820808172225952},{"text":"That's how I got done when I was with Rest.","start":1517.0851,"end":1520.2251,"sentiment":"neutral","sentiment_score":-0.10472310036420822},{"text":"And I was paying income protection, and then I went on the 10 early lead.","start":1520.765,"end":1525.4099,"sentiment":"neutral","sentiment_score":-0.06154077773292859}],"sentiment":"neutral","sentiment_score":-0.0645882415274779,"num_words":30,"start":1509.245,"end":1525.4099},{"sentences":[{"text":"They went back part time.","start":1525.4099,"end":1526.9299,"sentiment":"neutral","sentiment_score":-0.07236051559448242},{"text":"And it just all stayed the same because, you know, that's not where my head was at.","start":1526.9299,"end":1532.07,"sentiment":"neutral","sentiment_score":-0.19573957516866572},{"text":"And so I went from playing.","start":1532.85,"end":1534.2899,"sentiment":"neutral","sentiment_score":-0.1219992811481158},{"text":"Yeah.","start":1534.2899,"end":1534.61,"sentiment":"neutral","sentiment_score":-0.10190417617559432},{"text":"And it was just so much money went down the drain.","start":1534.61,"end":1537.11,"sentiment":"neutral","sentiment_score":-0.2882999669421803}],"sentiment":"neutral","sentiment_score":-0.19236437138170004,"num_words":40,"start":1525.4099,"end":1537.11},{"sentences":[{"text":"Yep.","start":1546.755,"end":1547.255,"sentiment":"neutral","sentiment_score":-0.0316443145275116},{"text":"No.","start":1547.395,"end":1547.895,"sentiment":"neutral","sentiment_score":-0.19350603222846985},{"text":"Mhmm.","start":1549.475,"end":1549.975,"sentiment":"neutral","sentiment_score":-0.09615536779165268},{"text":"No.","start":1550.675,"end":1551.0751,"sentiment":"neutral","sentiment_score":-0.18193115293979645},{"text":"Mm-mm.","start":1551.0751,"end":1551.555,"sentiment":"neutral","sentiment_score":-0.08768431097269058}],"sentiment":"neutral","sentiment_score":-0.11818423569202423,"num_words":5,"start":1546.755,"end":1551.555},{"sentences":[{"text":"Yep.","start":1551.555,"end":1551.93,"sentiment":"neutral","sentiment_score":-0.02839133702218533},{"text":"I guess what is what would the cost be?","start":1569.595,"end":1572.255,"sentiment":"neutral","sentiment_score":-0.03340236470103264},{"text":"Okay.","start":1581.595,"end":1582.095,"sentiment":"neutral","sentiment_score":-0.0024052970111370087},{"text":"Yeah.","start":1584.1,"end":1584.6,"sentiment":"neutral","sentiment_score":-0.017040565609931946},{"text":"I'd not at this stage.","start":1585.5399,"end":1589.1399,"sentiment":"neutral","sentiment_score":-0.15550190061330796}],"sentiment":"neutral","sentiment_score":-0.06623341088347576,"num_words":17,"start":1551.555,"end":1589.1399},{"sentences":[{"text":"I don't see I mean, yes.","start":1589.1399,"end":1590.34,"sentiment":"neutral","sentiment_score":-0.1205999565621217},{"text":"Look.","start":1590.34,"end":1590.58,"sentiment":"neutral","sentiment_score":-0.002208661288022995},{"text":"Ideally, love it.","start":1590.58,"end":1591.94,"sentiment":"neutral","sentiment_score":0.1679899791876475},{"text":"We'd love to put that on there and cover it.","start":1591.94,"end":1594.4199,"sentiment":"neutral","sentiment_score":0.06029395014047623},{"text":"But yeah.","start":1594.4199,"end":1595.1399,"sentiment":"neutral","sentiment_score":0.016082932241261005}],"sentiment":"neutral","sentiment_score":0.018784859217703342,"num_words":22,"start":1589.1399,"end":1595.1399},{"sentences":[{"text":"Another 100 to 200 a month out of what I earn is yeah.","start":1595.1399,"end":1601.485,"sentiment":"neutral","sentiment_score":0.008585618522304755},{"text":"I mean, all that money goes in together anyway, but, yes, I think we'll just try and get this house paid off.","start":1601.785,"end":1609.965,"sentiment":"neutral","sentiment_score":0.017216888679699463},{"text":"Yeah.","start":1611.305,"end":1611.625,"sentiment":"neutral","sentiment_score":0.0910751149058342},{"text":"So that would make a difference.","start":1611.625,"end":1613.145,"sentiment":"neutral","sentiment_score":0.24284681429465613},{"text":"Yeah.","start":1613.145,"end":1613.465,"sentiment":"neutral","sentiment_score":0.17540466785430908}],"sentiment":"neutral","sentiment_score":0.05148709907607977,"num_words":43,"start":1595.1399,"end":1613.465},{"sentences":[{"text":"Mhmm.","start":1613.465,"end":1613.965,"sentiment":"neutral","sentiment_score":0.1835238486528397},{"text":"Mhmm.","start":1621.52,"end":1622.02,"sentiment":"neutral","sentiment_score":-0.005864027887582779},{"text":"Okay.","start":1628.895,"end":1629.395,"sentiment":"neutral","sentiment_score":-0.014323652721941473},{"text":"Yes.","start":1635.9675,"end":1636.4675,"sentiment":"neutral","sentiment_score":0.1581900119781494},{"text":"Sure.","start":1649.04,"end":1649.54,"sentiment":"neutral","sentiment_score":0.025543993338942528}],"sentiment":"neutral","sentiment_score":0.06941403467208147,"num_words":5,"start":1613.465,"end":1649.54},{"sentences":[{"text":"Yep.","start":1650.56,"end":1651.04,"sentiment":"neutral","sentiment_score":0.07263835519552231},{"text":"Okay.","start":1651.04,"end":1651.54,"sentiment":"neutral","sentiment_score":0.12403436005115508},{"text":"Mhmm.","start":1657.005,"end":1657.505,"sentiment":"neutral","sentiment_score":0.08062268793582916},{"text":"No.","start":1659.1649,"end":1659.6649,"sentiment":"neutral","sentiment_score":0.015783511102199554},{"text":"So yeah.","start":1659.885,"end":1660.7849,"sentiment":"neutral","sentiment_score":0.08444375544786453}],"sentiment":"neutral","sentiment_score":0.0769944041967392,"num_words":6,"start":1650.56,"end":1660.7849},{"sentences":[{"text":"Sounding all good at the moment.","start":1660.845,"end":1662.385,"sentiment":"positive","sentiment_score":0.3702971935272217},{"text":"Yeah.","start":1669.1649,"end":1669.53,"sentiment":"neutral","sentiment_score":0.052077263593673706},{"text":"Yeah.","start":1669.93,"end":1669.97,"sentiment":"neutral","sentiment_score":0.04599625617265701},{"text":"It's been quite some time.","start":1669.97,"end":1671.39,"sentiment":"neutral","sentiment_score":-0.020375599153339863},{"text":"And, yes, I mean, the market has, yeah, been hit hard, I guess, with, like you mentioned, due to COVID and all of that.","start":1671.61,"end":1680.11,"sentiment":"neutral","sentiment_score":-0.037588346749544144}],"sentiment":"neutral","sentiment_score":0.03556373954524059,"num_words":37,"start":1660.845,"end":1680.11},{"sentences":[{"text":"And it was so yeah.","start":1680.49,"end":1682.5701,"sentiment":"neutral","sentiment_score":0.04792633056640625},{"text":"But it's definitely I feel like my soup has grown.","start":1682.5701,"end":1686.155,"sentiment":"neutral","sentiment_score":0.28713585138320924},{"text":"Definitely in comparison to where I had it prior.","start":1688.135,"end":1690.875,"sentiment":"neutral","sentiment_score":0.1629573106765747},{"text":"And you guys definitely do seem to yeah.","start":1691.415,"end":1694.4551,"sentiment":"neutral","sentiment_score":0.1584124993532896},{"text":"You're more invested in your clients than, you know, those big bulk, you know, ones that tend to just yeah.","start":1694.4551,"end":1703.9401,"sentiment":"neutral","sentiment_score":0.12595449704676867}],"sentiment":"neutral","sentiment_score":0.16084607497144204,"num_words":52,"start":1680.49,"end":1703.9401},{"sentences":[{"text":"You're just a number.","start":1704.2401,"end":1705.38,"sentiment":"neutral","sentiment_score":0.05877598002552986},{"text":"Yeah.","start":1706.8,"end":1707.3,"sentiment":"neutral","sentiment_score":0.08905945718288422},{"text":"Yeah.","start":1717.845,"end":1718.345,"sentiment":"neutral","sentiment_score":0.17315711081027985},{"text":"Yeah.","start":1721.205,"end":1721.705,"sentiment":"neutral","sentiment_score":0.25098463892936707},{"text":"Yeah.","start":1724.245,"end":1724.745,"sentiment":"neutral","sentiment_score":0.32310691475868225}],"sentiment":"neutral","sentiment_score":0.1339265052229166,"num_words":8,"start":1704.2401,"end":1724.745},{"sentences":[{"text":"So that is good.","start":1728.0801,"end":1729.04,"sentiment":"positive","sentiment_score":0.6883344501256943},{"text":"Yeah.","start":1729.04,"end":1729.28,"sentiment":"neutral","sentiment_score":0.19270268082618713},{"text":"For sure.","start":1729.28,"end":1729.92,"sentiment":"neutral","sentiment_score":0.07503566332161427},{"text":"I mean, when I think about what we've done since I have joined you guys, you know, we we went to Italy for a month.","start":1729.92,"end":1736.34,"sentiment":"neutral","sentiment_score":0.09140709713101387},{"text":"We did that.","start":1736.4,"end":1737.12,"sentiment":"neutral","sentiment_score":0.1623663753271103}],"sentiment":"neutral","sentiment_score":0.16766823892082486,"num_words":35,"start":1728.0801,"end":1737.12},{"sentences":[{"text":"We've, you know, yes, reduced our mortgage.","start":1737.12,"end":1739.04,"sentiment":"neutral","sentiment_score":0.10892579385212489},{"text":"We bought a caravan.","start":1739.04,"end":1740.0801,"sentiment":"neutral","sentiment_score":0.16419613361358643},{"text":"We've probably yeah.","start":1740.0801,"end":1741.745,"sentiment":"neutral","sentiment_score":0.09125526994466782},{"text":"We've got a new car.","start":1741.745,"end":1743.025,"sentiment":"neutral","sentiment_score":0.1290515035390854},{"text":"So yeah.","start":1743.025,"end":1743.845,"sentiment":"neutral","sentiment_score":0.0819733664393425}],"sentiment":"neutral","sentiment_score":0.11915405484892073,"num_words":21,"start":1737.12,"end":1743.845},{"sentences":[{"text":"There's yeah.","start":1744.3049,"end":1746.645,"sentiment":"neutral","sentiment_score":0.06925394013524055},{"text":"Few things we've done.","start":1746.7849,"end":1747.9049,"sentiment":"neutral","sentiment_score":0.05337677989155054},{"text":"So and, you know, which you don't necessarily always think about until, you know, it's a situation like this when you're going over it.","start":1747.9049,"end":1763.41,"sentiment":"neutral","sentiment_score":0.018240106486094494},{"text":"Yeah.","start":1769.185,"end":1769.685,"sentiment":"neutral","sentiment_score":0.1435418426990509},{"text":"Yeah.","start":1774.305,"end":1774.805,"sentiment":"neutral","sentiment_score":0.23953479528427124}],"sentiment":"neutral","sentiment_score":0.03665169354644604,"num_words":32,"start":1744.3049,"end":1774.805},{"sentences":[{"text":"Yep.","start":1774.865,"end":1775.105,"sentiment":"positive","sentiment_score":0.3534853160381317},{"text":"Absolutely.","start":1775.105,"end":1775.605,"sentiment":"positive","sentiment_score":0.6721019148826599},{"text":"Yes.","start":1783.505,"end":1783.985,"sentiment":"neutral","sentiment_score":0.1100364476442337},{"text":"I see them.","start":1783.985,"end":1784.805,"sentiment":"neutral","sentiment_score":0.10842837641636531},{"text":"Yep.","start":1784.94,"end":1785.44,"sentiment":"neutral","sentiment_score":0.111843541264534}],"sentiment":"neutral","sentiment_score":0.22467890701123647,"num_words":7,"start":1774.865,"end":1785.44},{"sentences":[{"text":"Mhmm.","start":1790.1399,"end":1790.6399,"sentiment":"neutral","sentiment_score":0.10694465041160583},{"text":"Yep.","start":1794.86,"end":1795.36,"sentiment":"neutral","sentiment_score":0.1273784637451172},{"text":"Mhmm.","start":1808.045,"end":1808.4451,"sentiment":"neutral","sentiment_score":0.06331205368041992},{"text":"Okay.","start":1808.4451,"end":1808.9451,"sentiment":"neutral","sentiment_score":0.10340160131454468},{"text":"Yep.","start":1809.0851,"end":1809.5851,"sentiment":"neutral","sentiment_score":0.09340141713619232}],"sentiment":"neutral","sentiment_score":0.09888763725757599,"num_words":5,"start":1790.1399,"end":1809.5851},{"sentences":[{"text":"Yes.","start":1816.045,"end":1816.5,"sentiment":"neutral","sentiment_score":0.18092294037342072},{"text":"Mhmm.","start":1822.02,"end":1822.52,"sentiment":"neutral","sentiment_score":0.07029426842927933},{"text":"Mhmm.","start":1834.8451,"end":1835.005,"sentiment":"neutral","sentiment_score":0.058976590633392334},{"text":"Yep.","start":1835.005,"end":1835.505,"sentiment":"neutral","sentiment_score":0.05851650983095169},{"text":"Mhmm.","start":1837.165,"end":1837.665,"sentiment":"neutral","sentiment_score":-0.011216701939702034}],"sentiment":"neutral","sentiment_score":0.0714987214654684,"num_words":5,"start":1816.045,"end":1837.665},{"sentences":[{"text":"Yeah.","start":1843.9651,"end":1844.4651,"sentiment":"neutral","sentiment_score":0.02882229909300804},{"text":"Yeah.","start":1846.44,"end":1846.84,"sentiment":"neutral","sentiment_score":0.03635188564658165},{"text":"Yeah.","start":1846.84,"end":1847.34,"sentiment":"neutral","sentiment_score":0.021730933338403705},{"text":"Yeah.","start":1857.08,"end":1857.58,"sentiment":"neutral","sentiment_score":-0.022451449185609818},{"text":"Okay.","start":1859.525,"end":1860.005,"sentiment":"neutral","sentiment_score":-0.009255772456526756}],"sentiment":"neutral","sentiment_score":0.011039579287171364,"num_words":5,"start":1843.9651,"end":1860.005},{"sentences":[{"text":"Yep.","start":1860.005,"end":1860.505,"sentiment":"neutral","sentiment_score":-0.009992286562919617},{"text":"Yep.","start":1864.005,"end":1864.485,"sentiment":"neutral","sentiment_score":0.020793339237570763},{"text":"Okay.","start":1864.485,"end":1864.985,"sentiment":"neutral","sentiment_score":0.0227852426469326},{"text":"Mhmm.","start":1871.02,"end":1871.52,"sentiment":"neutral","sentiment_score":0.00983319990336895},{"text":"Mhmm.","start":1885.02,"end":1885.34,"sentiment":"neutral","sentiment_score":-0.0011011387687176466}],"sentiment":"neutral","sentiment_score":0.00846367129124701,"num_words":5,"start":1860.005,"end":1885.34},{"sentences":[{"text":"No.","start":1885.34,"end":1885.84,"sentiment":"neutral","sentiment_score":-0.05167388170957565},{"text":"Sure.","start":1892.895,"end":1893.395,"sentiment":"neutral","sentiment_score":-0.018952568992972377},{"text":"Yep.","start":1894.3351,"end":1894.8351,"sentiment":"neutral","sentiment_score":-0.010883165523409843},{"text":"Sure.","start":1900.0951,"end":1900.5,"sentiment":"neutral","sentiment_score":0.03847823664546013},{"text":"Okay.","start":1903.06,"end":1903.38,"sentiment":"neutral","sentiment_score":0.06660565733909607}],"sentiment":"neutral","sentiment_score":0.004714855551719665,"num_words":5,"start":1885.34,"end":1903.38},{"sentences":[{"text":"Yep.","start":1903.38,"end":1903.88,"sentiment":"neutral","sentiment_score":0.09728634357452393},{"text":"Nice.","start":1908.66,"end":1909.16,"sentiment":"positive","sentiment_score":0.4553977847099304},{"text":"Other than I just need to sign this machine.","start":1910.98,"end":1913.16,"sentiment":"neutral","sentiment_score":0.2644789003663593},{"text":"Mhmm.","start":1916.015,"end":1916.515,"sentiment":"neutral","sentiment_score":0.2709426283836365},{"text":"Yeah.","start":1919.935,"end":1920.435,"sentiment":"neutral","sentiment_score":0.11575430631637572}],"sentiment":"neutral","sentiment_score":0.25536085894474614,"num_words":13,"start":1903.38,"end":1920.435},{"sentences":[{"text":"Oh, congratulations.","start":1924.015,"end":1925.875,"sentiment":"neutral","sentiment_score":0.29877182841300964},{"text":"Oh, wow.","start":1928.255,"end":1928.995,"sentiment":"neutral","sentiment_score":-0.02927775029093027},{"text":"Yep.","start":1930.63,"end":1931.13,"sentiment":"neutral","sentiment_score":0.023157110437750816},{"text":"Mhmm.","start":1937.51,"end":1937.83,"sentiment":"neutral","sentiment_score":0.04352857172489166},{"text":"Okay.","start":1937.83,"end":1938.33,"sentiment":"neutral","sentiment_score":0.06994070112705231}],"sentiment":"neutral","sentiment_score":0.09651636279055051,"num_words":7,"start":1924.015,"end":1938.33},{"sentences":[{"text":"Yes.","start":1942.63,"end":1943.13,"sentiment":"neutral","sentiment_score":0.19270330667495728},{"text":"Mhmm.","start":1947.335,"end":1947.655,"sentiment":"neutral","sentiment_score":0.11120910942554474},{"text":"No worries.","start":1947.655,"end":1948.3151,"sentiment":"neutral","sentiment_score":0.19738676398992538},{"text":"Alright.","start":1949.255,"end":1949.755,"sentiment":"neutral","sentiment_score":0.3025955259799957},{"text":"No.","start":1952.215,"end":1952.375,"sentiment":"neutral","sentiment_score":-0.18949243426322937}],"sentiment":"neutral","sentiment_score":0.13529817263285318,"num_words":6,"start":1942.63,"end":1952.375},{"sentences":[{"text":"Nope.","start":1952.375,"end":1952.535,"sentiment":"neutral","sentiment_score":-0.19520102441310885},{"text":"That's alright.","start":1952.535,"end":1953.095,"sentiment":"neutral","sentiment_score":0.023746607126668096},{"text":"I'm signing it.","start":1953.095,"end":1953.975,"sentiment":"neutral","sentiment_score":0.10210411747296651},{"text":"It's loading right now.","start":1953.975,"end":1955.175,"sentiment":"neutral","sentiment_score":0.19162224605679512},{"text":"So, actually, that will go through shortly.","start":1955.175,"end":1957.275,"sentiment":"neutral","sentiment_score":0.14077759853431157}],"sentiment":"neutral","sentiment_score":0.1123845127192052,"num_words":17,"start":1952.375,"end":1957.275},{"sentences":[{"text":"Okay.","start":1962.2699,"end":1962.6699,"sentiment":"positive","sentiment_score":0.4304208755493164},{"text":"Fantastic.","start":1962.6699,"end":1963.1699,"sentiment":"positive","sentiment_score":0.8106005191802979},{"text":"Thank you.","start":1963.3899,"end":1964.21,"sentiment":"positive","sentiment_score":0.7948704063892365},{"text":"Alright.","start":1966.19,"end":1966.69,"sentiment":"positive","sentiment_score":0.5185887813568115},{"text":"You too.","start":1967.71,"end":1968.35,"sentiment":"positive","sentiment_score":0.5288327038288116}],"sentiment":"positive","sentiment_score":0.6295737709317889,"num_words":7,"start":1962.2699,"end":1968.35},{"sentences":[{"text":"All the best.","start":1968.35,"end":1968.83,"sentiment":"positive","sentiment_score":0.6158235669136047},{"text":"Thank you.","start":1968.83,"end":1969.57,"sentiment":"positive","sentiment_score":0.6879763603210449},{"text":"Bye bye.","start":1970.83,"end":1971.57,"sentiment":"neutral","sentiment_score":0.022326190024614327}],"sentiment":"positive","sentiment_score":0.4668679716331618,"num_words":7,"start":1968.35,"end":1971.57}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. This is Nicola.\n\nChannel 0: Good afternoon, Nicola. It's Tommy here, senior adviser from Oakview. How are you doing?\n\nChannel 1: Not too bad. Thank you. And you?\n\nChannel 0: I'm doing fantastic. It's a beautiful cool down the Gold Coast. What about your end?\n\nChannel 1: I think it's gonna be 29 here today in Adelaide.\n\nChannel 0: Oof. Not too bad.\n\nChannel 1: Yeah. That's it.\n\nChannel 0: Bit of a beach weather all of a sudden.\n\nChannel 1: Yes. That's it.\n\nChannel 0: Awesome.\n\nChannel 1: Yep.\n\nChannel 0: I've got you booked in to go through a bit of an annual review\n\nChannel 1: Yes.\n\nChannel 0: if you still have time for me. Fantastic. Now before I get started, usual security process, are you okay for this call to be recorded?\n\nChannel 1: Yes.\n\nChannel 0: Amazing. And for security of your information, I'm registered with ASIC as Adviser 1273105. Are you okay to confirm your date of birth and address, please?\n\nChannel 1: Yep. So it's the 1976, and address\n\nChannel 0: Perfect.\n\nChannel 1: is 25 Melbourne Place in Alberton, South Australia 5014.\n\nChannel 0: Amazing. Amazing. Thank you so much for that. I have your Gmail account ready to go to send through this annual review pack. Is that still okay?\n\nChannel 1: Yes.\n\nChannel 0: Awesome. So I'm gonna pop that through to you now with a number of usual attachments there as well.\n\nChannel 1: Mhmm.\n\nChannel 0: Will you have time to look onto these documents with me today, or should I just kind of walk you through what's there?\n\nChannel 1: I've got about an hour.\n\nChannel 0: Oh, that should be\n\nChannel 1: So\n\nChannel 0: plenty\n\nChannel 1: I'm\n\nChannel 0: of time.\n\nChannel 1: just popping you on speed. Can you just have a look? Can you hear me?\n\nChannel 0: Yes. I can hear\n\nChannel 1: Yes.\n\nChannel 0: you perfectly.\n\nChannel 1: I can.\n\nChannel 0: What about my end?\n\nChannel 1: Yep. Yep. Perfect. All\n\nChannel 0: Amazing.\n\nChannel 1: good. K.\n\nChannel 0: Alright. So that should come through. We do have a bit of a new system this year with Odoo, sort of custom built for us. That may go through to your spam box on the first attempt\n\nChannel 1: Okay.\n\nChannel 0: until it's all kind of cleared through spam filters and so on, or it may go straight to the main inbox. Just depends on Gmail these days. Awesome. Awesome. So before I dive into your details, is there anything\n\nChannel 1: Mhmm.\n\nChannel 0: in particular you would like to get out of this year's review?\n\nChannel 1: Well so my work situation changed. So\n\nChannel 0: Amazing.\n\nChannel 1: yeah. Well, no. Not necessarily. It's\n\nChannel 0: Oh,\n\nChannel 1: less\n\nChannel 0: no.\n\nChannel 1: less money now. So, yeah, I took a risk and tried something different. Didn't turn out. And\n\nChannel 0: Okay.\n\nChannel 1: now I'm I'm just working, but I'm just it's hassle. So it's less hours than I want at the moment, and\n\nChannel 0: Okay.\n\nChannel 1: that's been since September. So then it was sort of like this plays on my mind with, you know yeah. What what what do I do from here? You know, it's just like, at the moment, the work life balance is great, but obviously then the money is not coming in. But at the same time, work life balance is better.\n\nEspecially because I'm still, you know, I've got a teenage boy who I need to change to appointments here, there, and everywhere as well.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: He would\n\nChannel 1: it's\n\nChannel 0: have just turned,\n\nChannel 1: Yeah.\n\nChannel 0: what, 13 this\n\nChannel 1: They're\n\nChannel 0: year?\n\nChannel 1: saying yeah. Yeah. Yep.\n\nChannel 0: Amazing. So with your the casual employment, would you potentially have an estimate of what your yearly income looks like now?\n\nChannel 1: Well, that's what I was trying to work out, actually, just before you called. I probably should've done this before. But, I mean, at the moment, you know, it's no. I see. It's really tricky.\n\nSo I started there in, say, September. And so from them, I've only earned 16,000. So yeah. And being casual, then Christmas is off. There's been lots of holidays.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Yeah. So, essentially, we just don't work, and so we don't earn, which kinda sucks. But yeah.\n\nChannel 0: Well, even so, like, if I divided that by the seven months and extrapolated\n\nChannel 1: Yeah.\n\nChannel 0: that ad annually, you're still getting around 27, which is creeping close to the 30 we\n\nChannel 1: Yeah.\n\nChannel 0: had you on as part time. So with\n\nChannel 1: Yeah.\n\nChannel 0: a bit of extra hours here and there, it kind of floats between the two.\n\nChannel 1: Yep. Just a holiday pay, unfortunately. But anyway\n\nChannel 0: Yeah. No. That's\n\nChannel 1: yeah.\n\nChannel 0: painful.\n\nChannel 1: Yeah.\n\nChannel 0: The the loading is supposed to help with that, but it often doesn't.\n\nChannel 1: Mm-mm. No.\n\nChannel 0: Okay.\n\nChannel 1: But anyway\n\nChannel 0: And\n\nChannel 1: so, yeah, that's the main thing that's changed for me.\n\nChannel 0: okay.\n\nChannel 1: So\n\nChannel 0: Is it a different\n\nChannel 1: yes.\n\nChannel 0: role from pharmacy assistant?\n\nChannel 1: Yes. I'm now a medical receptionist.\n\nChannel 0: Yep. Medical receptionist. And who's that for?\n\nChannel 1: So Trinity Medical Center in Port Adelaide.\n\nChannel 0: In Port Adelaide. Thank you so much for that. And would you still say that your your main focus at the moment is just kind of paying down the mortgage? Because the main thing we have for every year for you was just getting that mortgage\n\nChannel 1: Yeah.\n\nChannel 0: finalized.\n\nChannel 1: Yeah. Yeah. Definitely.\n\nChannel 0: And how are you guys going with that?\n\nChannel 1: I'm just gonna have a look now. So we did refit it was restructure. So we\n\nChannel 0: Yep.\n\nChannel 1: did have the loans split over two banks. Now we have it just in one. So I'm just having\n\nChannel 0: Okay.\n\nChannel 1: a quick look now.\n\nChannel 0: No worries.\n\nChannel 1: Just bringing that up. Alright. So I need to work out which one's which. Oh, yep. There we go.\n\nSo on our main residence, we owe 278,000.\n\nChannel 0: 270. That's pretty good. I think last check we have was about $3.73, so that's going down pretty nicely.\n\nChannel 1: Yep. Mhmm. And then on the investment property, it's 595.\n\nChannel 0: Yep. Perfect. 595,000. Now\n\nChannel 1: Yep. Yeah.\n\nChannel 0: do you have a bit of an estimate on the investment property's value now? Because I know property market's been all over\n\nChannel 1: Yeah.\n\nChannel 0: the place.\n\nChannel 1: Yeah. So I think it was 70 $7.91, I think, the last I checked. I mean, that is just going off of realestate.com. But yeah. I mean, that's always a bit tricky.\n\nWe haven't had it valued, I guess, since we bought it maybe. I'm I'm not sure. But yeah.\n\nChannel 0: Yeah.\n\nChannel 1: 7\n\nChannel 0: Yeah.\n\nChannel 1: 91 is what they're estimating it as.\n\nChannel 0: Okay. And I was having a look at the the main residence, and a bit of Google was saying it could even be estimated at about 1,300,000.\n\nChannel 1: Yep.\n\nChannel 0: Wow. That's amazing. I think we had an early, early estimate towards the beginning of about 700,000, so it's close to doubled the last\n\nChannel 1: Yeah.\n\nChannel 0: sort of four\n\nChannel 1: Yeah.\n\nChannel 0: or five years.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Amazing. So equity everywhere, that must be\n\nChannel 1: Yes.\n\nChannel 0: nice.\n\nChannel 1: Yeah. That part is good. Mhmm.\n\nChannel 0: Whether it translates to something a bit tangible down the line, hopefully, that can come into play a little bit.\n\nChannel 1: Yeah. Well, we're planning on selling the investment property because the way it was structured when we bought it probably wasn't the right way to do it in that we did it fifty fifty. And\n\nChannel 0: Uh-huh.\n\nChannel 1: so I don't actually get any tax benefits because I don't earn\n\nChannel 0: Oh,\n\nChannel 1: enough.\n\nChannel 0: no.\n\nChannel 1: So yeah. That's something we need to work out as well. But\n\nChannel 0: Okay. Yeah. That's never fun, especially when you've got I mean, is the rental okay on that\n\nChannel 1: oh, yeah.\n\nChannel 0: property?\n\nChannel 1: Yeah. Like, that's steady as yeah. They pay the rent. They don't. But, yeah, it just means trying to, I guess, sell and then rebuy in this market.\n\nMhmm.\n\nChannel 0: Yeah. That's\n\nChannel 1: Yeah.\n\nChannel 0: a tricky\n\nChannel 1: And to\n\nChannel 0: one.\n\nChannel 1: it is. And to do it, so I think get the best benefit, my husband was saying we should probably buy something brand new and then essentially put it in his name, which I'm comfortable doing. Like, I don't have any problems there, but, yeah, I\n\nChannel 0: Yeah.\n\nChannel 1: guess it's just yes. It's\n\nChannel 0: And\n\nChannel 1: nice\n\nChannel 0: with\n\nChannel 1: to think\n\nChannel 0: the\n\nChannel 1: that.\n\nChannel 0: rental side of things, are they paying a a good $7.50,\n\nChannel 1: Mhmm.\n\nChannel 0: 800 a week, or what's the the average?\n\nChannel 1: Okay. I'm just double checking that. I think it was, like, $6.80, but I'm not sure. Are you there?\n\nChannel 0: Yep. Still\n\nChannel 1: So\n\nChannel 0: here.\n\nChannel 1: I thought I might have muted you while I was looking at things. If I go into there, then go. Yeah. So off off the top of my head, I think it's $6.80. So\n\nChannel 0: $6.80.\n\nChannel 1: yeah. Just having a quick look if I can find it. Too many emails I need to I need to delete.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: And I'm I've got all those email chains. I have 24 replies with three, four different people, and it's a bit\n\nChannel 1: yes.\n\nChannel 0: bit hard to try.\n\nChannel 1: Yeah. I'm I'm fine. Yeah. Anyway, I can keep looking while you're talking.\n\nChannel 0: No. That's okay. I mean, all I would kind of just give you as an an average for that $6.80 is it's\n\nChannel 1: Yes.\n\nChannel 0: a decent percentage compared to the debt level that you have.\n\nChannel 1: Yes.\n\nChannel 0: But compared to the value of the property,\n\nChannel 1: Yes.\n\nChannel 0: there may\n\nChannel 1: Yes.\n\nChannel 0: be properties in other states for 800,000 that would rent for $8.08 50 a week or something like that. So\n\nChannel 1: Yeah.\n\nChannel 0: percentage wise, it might be a little bit low compared to the value. But if\n\nChannel 1: Yes.\n\nChannel 0: it's still keeping up with the repayments, that's pretty good.\n\nChannel 1: Yeah. And I think I mean, it's probably relative to the area that it's in. Even though the property is saying it's worth that, it's like\n\nChannel 0: Yeah.\n\nChannel 1: yeah. But then again, I mean, yeah, I do look, see what's going around there. And it's not bad, but it will probably go up again. Like, they might increase it again. I think it was July that around then that the sort of lease is due to run out.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yep.\n\nChannel 1: that's\n\nChannel 0: And\n\nChannel 1: just why I tend to bump it up.\n\nChannel 0: it should be a pretty good outcome. I mean, at the end of the day, you still got enough years left where that mortgage can be paid off. You've got the investment property with the rental income. We'll sell that off. Bit of super on the side as well.\n\nSo everything's looking like it's slowly coalescing in a good direction.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Perfect. Last couple of details I just wanna check with you is did you end up putting in place, like, a will or power of attorney, state planning wise?\n\nChannel 1: We've got a wheel.\n\nChannel 0: Yep.\n\nChannel 1: I don't know if we've got I don't know who we would have thought the power of attorney. It's like this is but that's we did this, like, probably ten years ago. We\n\nChannel 0: Yeah.\n\nChannel 1: did a wheel. So we might need to already look\n\nChannel 0: Might\n\nChannel 1: at that\n\nChannel 0: be\n\nChannel 1: as\n\nChannel 0: out of date.\n\nChannel 1: well.\n\nChannel 0: Yep.\n\nChannel 1: Yep. Yep. Alright. I'll pop that down as something to\n\nChannel 0: I\n\nChannel 1: to\n\nChannel 0: think\n\nChannel 1: do.\n\nChannel 0: their their guidelines are, like, check every three years or so is usually\n\nChannel 1: Okay.\n\nChannel 0: pretty good.\n\nChannel 1: Yep.\n\nChannel 0: Power of attorney is really important too, I think, because even\n\nChannel 1: Yep.\n\nChannel 0: even the old $25 kit from the post office can make sure that someone can talk to the doctors and access bank accounts and not have to go to the courts, which is not as fun. So\n\nChannel 1: Yep.\n\nChannel 0: that\n\nChannel 1: No.\n\nChannel 0: might be do.\n\nChannel 1: Yep. I'll check\n\nChannel 0: Awesome.\n\nChannel 1: that as well.\n\nChannel 0: So addresses still stay the same. You still have the one\n\nChannel 1: Yep.\n\nChannel 0: dependent. Occupation\n\nChannel 1: Yes.\n\nChannel 0: is different. You guys have never\n\nChannel 1: Mhmm.\n\nChannel 0: gone through a a bankruptcy or part nine debt agreement before, have you?\n\nChannel 1: Nope. I don't know\n\nChannel 0: Nope.\n\nChannel 1: what that\n\nChannel 0: Perfect.\n\nChannel 1: is. So no.\n\nChannel 0: Yeah. It's kind of like a type of bankruptcy, but it's kinda like a payment plan bankruptcy.\n\nChannel 1: Oh,\n\nChannel 0: Not\n\nChannel 1: no.\n\nChannel 0: as\n\nChannel 1: No.\n\nChannel 0: fun.\n\nChannel 1: No.\n\nChannel 0: Amazing. So that's pretty much it. Is there anything else on the cards for you guys the next three to five years?\n\nChannel 1: No. And we did buy a caravan, so that's an\n\nChannel 0: Amazing.\n\nChannel 1: asset as well.\n\nChannel 0: I shall\n\nChannel 1: I don't\n\nChannel 0: note\n\nChannel 1: know.\n\nChannel 0: that down. If\n\nChannel 1: Yep.\n\nChannel 0: you do you have any debt on it, or is it mainly just a clean purchase?\n\nChannel 1: No. We purchased it.\n\nChannel 0: Okay. And how much would that go for?\n\nChannel 1: Probably about well, between 70 and 80,000.\n\nChannel 0: Alright. I'll give the old 75 in the middle.\n\nChannel 1: Yep. There\n\nChannel 0: And\n\nChannel 1: you go. Why not?\n\nChannel 0: I do have to ask you all a important question. Are you guys planning to one day caravan around Australia in retirement, or is it more just for, you know, the next ten years?\n\nChannel 1: That would be amazing. But, yeah, at the moment, it's just for doing sort of, like, short weekend trips while we can get away.\n\nChannel 0: Yep. Yep. Amazing. And it's funny because it's\n\nChannel 1: Yeah.\n\nChannel 0: a bit of a dream for about half of Australia, which is like, we'll just have the mortgage paid off. We'll hop in a caravan. We'll go around the country.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Hopefully, there's no oil crisis for a lot of people who are acquiring with their caravans because\n\nChannel 1: Yeah.\n\nChannel 0: that was probably unforeseen in terms of their retirement goals, but you've still\n\nChannel 1: Definitely.\n\nChannel 0: got a bit of time for that to resolve.\n\nChannel 1: Yes. Yep.\n\nChannel 0: Amazing. When it comes to retirement and super\n\nChannel 1: Yep.\n\nChannel 0: so you can access your super at 60, and that's your preservation age.\n\nChannel 1: Okay.\n\nChannel 0: And 67 is when the age pension from Centrelink kicks in.\n\nChannel 1: Yes.\n\nChannel 0: So it's a bit of a balancing act between working a bit longer and growing your funds towards that age pension age or growing\n\nChannel 1: Yes.\n\nChannel 0: it a bit faster and retiring a bit earlier. I just\n\nChannel 1: Okay.\n\nChannel 0: wanted to kind of gauge with you what you foresaw for you and your family.\n\nChannel 1: Oh, we would definitely I mean, our aim wouldn't be to ultimately, yeah, retire earlier than later.\n\nChannel 0: Yep.\n\nChannel 1: And\n\nChannel 0: So\n\nChannel 1: so yeah.\n\nChannel 0: as\n\nChannel 1: I\n\nChannel 0: early\n\nChannel 1: think\n\nChannel 0: as possible.\n\nChannel 1: my husband yeah. My husband works very, very hard. You know, six days a week, you know, sixty plus, you know, hours a week as well. Yeah. So and he earns\n\nChannel 0: Amazing.\n\nChannel 1: decent money, which oh, yeah. So, I mean, yes. Ideally, that's why I guess we, you know, wanna try and get this investment property working better for us.\n\nChannel 0: And there's lots of different strategies you can do too, like, when it comes to properties and getting funds into super or supplementing with rental income, transition strategies after 60. So there's enough things that we can kind of do now, but there's also\n\nChannel 1: Okay.\n\nChannel 0: more coming down the line that can kind of bump you up a little bit too.\n\nChannel 1: Okay. That sounds good.\n\nChannel 0: For a bit of a joint retirement goal, I just wanted to quickly check base because of your your balance and your income level compared to your partner. I just\n\nChannel 1: Yep.\n\nChannel 0: wanted to briefly discuss what portion of that retirement income do you think you would need to contribute to it? Like, do you have an estimate on his super balance and I can kind of do a bit of a work back?\n\nChannel 1: I know it's just it's a lot more than me because\n\nChannel 0: Yeah.\n\nChannel 1: I I am gonna have my child and work part time for a while. Oh, gosh. I can't think off the top of my head. Yeah. It's\n\nChannel 0: That's\n\nChannel 1: something that\n\nChannel 0: okay.\n\nChannel 1: I can ask him, but, yeah, he could share. But, I mean, I'd say it's over 300,000.\n\nChannel 0: Yeah. So one thing that we can do is you're in a pretty high growth portfolio, so the whole aim is just kind of catch you up. Get as much returns\n\nChannel 1: Yes.\n\nChannel 0: as possible as\n\nChannel 1: Mhmm.\n\nChannel 0: you get closer to retirement because, you know,\n\nChannel 1: Yes.\n\nChannel 0: twenty years from now is quite a while to project out. We can\n\nChannel 1: Yep.\n\nChannel 0: refine that joint retirement planning conversation when you get a bit closer, like late\n\nChannel 1: Yep.\n\nChannel 0: fifties.\n\nChannel 1: Yep.\n\nChannel 0: If\n\nChannel 1: Well,\n\nChannel 0: for\n\nChannel 1: that's\n\nChannel 0: now the focus\n\nChannel 1: not\n\nChannel 0: is\n\nChannel 1: too\n\nChannel 0: just\n\nChannel 1: far\n\nChannel 0: get as\n\nChannel 1: off.\n\nChannel 0: much as possible,\n\nChannel 1: Yes.\n\nChannel 0: we can focus there.\n\nChannel 1: Yep.\n\nChannel 0: Absolutely. And we've got a few a few market cycles, I would sort of say, for you as well. Like, yes, it's not too far off, but every seven years or so, the market tends to grow for a few years, and then there's some sort of event that makes it crash. COVID,\n\nChannel 1: Yeah.\n\nChannel 0: GFC,\n\nChannel 1: Yes.\n\nChannel 0: war in Iran. And\n\nChannel 1: Yes.\n\nChannel 0: if you repeat\n\nChannel 1: Mhmm.\n\nChannel 0: that, let's say, fourteen years from now, you've got almost one market cycle to get as much growth as possible. You'd\n\nChannel 1: Yep.\n\nChannel 0: probably don't wanna be high risk at the age of 62\n\nChannel 1: Yes.\n\nChannel 0: and lose\n\nChannel 1: Mhmm.\n\nChannel 0: half your super to a stock market crash just\n\nChannel 1: Yep.\n\nChannel 0: before retirement. Do you know what I mean?\n\nChannel 1: Yep. Absolutely. Mhmm.\n\nChannel 0: So it's like we can grow it for one cycle and then slowly reduce the risk for the second cycle, and that\n\nChannel 1: Yep.\n\nChannel 0: could look like going from 90 to a 100% in growth assets like shares and property, and then\n\nChannel 1: Mhmm.\n\nChannel 0: gradually trim that down the last seven years, eighty, seventy, 60, 40%, and then\n\nChannel 1: Yep.\n\nChannel 0: there's your pension account in your sixties to live off.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Okay? So as long as you're okay to go kind of ride through the waves a little bit, use your contributions from work as a bit of a a buy in, bit of\n\nChannel 1: Yep.\n\nChannel 0: a buying\n\nChannel 1: Yes.\n\nChannel 0: opportunity whenever there's a dip, that would\n\nChannel 1: Yep.\n\nChannel 0: be the growth cycle that we're trying to do.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Perfect. Perfect. So I'm just having a look at the Netwealth account now. Have you do you log in every every now and then? Or\n\nChannel 1: Yeah. Not not as much as I should. I\n\nChannel 0: No.\n\nChannel 1: did\n\nChannel 0: It's okay.\n\nChannel 1: a raise of less.\n\nChannel 0: There's a lot of people that tend to watch it daily and panic themselves every time\n\nChannel 1: Oh,\n\nChannel 0: there's\n\nChannel 1: wow.\n\nChannel 0: a news article and their super\n\nChannel 1: Yes.\n\nChannel 0: fund shoots up and down a few thousand dollars. So I wouldn't go too crazy with it, but a bit of\n\nChannel 1: Mhmm.\n\nChannel 0: visibility is always nice. Now when it comes to the options that you've got, do you recall anything about what you're invested in, risk levels, that kind of thing?\n\nChannel 1: I no.\n\nChannel 0: No. That's okay.\n\nChannel 1: Exactly. Yeah. I think it was yeah. Like, at higher risk at the moment. Yep.\n\nChannel 0: Yeah. Pretty\n\nChannel 1: Yeah.\n\nChannel 0: much\n\nChannel 1: Could\n\nChannel 0: everything you've got is a split between international shares, Australian shares, and gold, which is your alternative.\n\nChannel 1: Yep.\n\nChannel 0: That's\n\nChannel 1: Okay.\n\nChannel 0: your sort of high growth mix at the moment.\n\nChannel 1: Yeah. I pity it was an oil.\n\nChannel 0: Yeah. There's definitely a few companies in there benefiting from that, but, yeah, a bit of crude oil would be nice to\n\nChannel 1: Yeah.\n\nChannel 0: track that price.\n\nChannel 1: Yeah.\n\nChannel 0: Absolutely. Most of the options have done fantastic. Out of the you've got five, six, seven, eight main options.\n\nChannel 1: Mhmm.\n\nChannel 0: Seven of them have gone up double digits. So high growth, you're aiming for about 10% or above as an average long term return. You've got gold up 25. Europe's up 14. Japan's up 21%.\n\nThank you, Japan, for coming back the last couple of years, and\n\nChannel 1: Yeah.\n\nChannel 0: your international shares have gone up 11% as well. So that's all doing good. There was a change that we made to your portfolio. Did you receive an email from us in the last couple of months? Do you remember seeing an email from us?\n\nChannel 1: Not off the top of my head.\n\nChannel 0: That's\n\nChannel 1: I can\n\nChannel 0: okay.\n\nChannel 1: have a look.\n\nChannel 0: I'll kind of explain what change\n\nChannel 1: Oh, yep.\n\nChannel 0: we made. Normally, when we go through reviews, we go through all of your options, make sure they're all performing well. If there's three or four of them that are doing badly, we need to rebalance your whole portfolio. If it's\n\nChannel 1: Yes.\n\nChannel 0: just one, we tend to track it for a while, and we may do some advice to switch it out if we need to.\n\nChannel 1: Gotcha. Yes.\n\nChannel 0: What happened in this case was something a little bit more extreme than that. So your Australian shares option, one of them, had kind of shot off downwards away from the rest of the pack and\n\nChannel 1: Yep.\n\nChannel 0: away from the Australian market. So it just started going down, and it wasn't bouncing back in amongst everybody else.\n\nChannel 1: Yep.\n\nChannel 0: So on a licensee level, our investment committee made the decision to do a sweeping change across all client\n\nChannel 1: Yep.\n\nChannel 0: accounts rather than wait for us to go through the review,\n\nChannel 1: Yep.\n\nChannel 0: wait for\n\nChannel 1: Yes.\n\nChannel 0: us to update the advice because it was kind of that extreme of a situation.\n\nChannel 1: No. That's good.\n\nChannel 0: So what happened was that was dropping at about 11% even though most Aussie funds were up a couple of percent for the year.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: And we've since sold out of that pretty recently for you into just a standard a 200 ETF, so much, much lower fees, and\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: it's already bounced back three or 4%.\n\nChannel 1: Okay.\n\nChannel 0: So as far as my view of it, you're still hitting those long term average returns. You're still up a few percent a year even though the stock market's been plummeting. All of the options have now been kind of fixed,\n\nChannel 1: Yeah. Okay.\n\nChannel 0: and they're all performing the way they should be. So the only real changes we could consider is, a, putting more contributions in, but, again, cash flow is a bit tight for you at the moment,\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: or changing risk level. So I do just need to double check that you're okay for that sort of high growth approach still.\n\nChannel 1: Yep. It's hard to say. Yeah. It's a gamble, isn't it, really? I mean, because I well, I'm turning 50 this year.\n\nSo\n\nChannel 0: Yep.\n\nChannel 1: yeah. Hard to say.\n\nChannel 0: Now this may help you a little bit, and I'm not trying\n\nChannel 1: Yeah.\n\nChannel 0: to kind of steer you in either direction. But if we're trying to get as much growth out of it as possible, we kind of need to stay\n\nChannel 1: Yeah. So\n\nChannel 0: high growth\n\nChannel 1: yeah.\n\nChannel 0: and average out the returns until you're closer\n\nChannel 1: Yes.\n\nChannel 0: as\n\nChannel 1: Okay. You\n\nChannel 0: long as\n\nChannel 1: know\n\nChannel 0: you're\n\nChannel 1: that\n\nChannel 0: comfortable that it bounces\n\nChannel 1: stuff.\n\nChannel 0: between, oh, what is it, a hundred and hundred and twenty one thousand now. So a high growth could go down to, like, 90,000 and be one seventy the next\n\nChannel 1: Yes.\n\nChannel 0: year.\n\nChannel 1: Okay. Yep. Alright. Let let's leave it for now, and then that's why we have these annual reviews.\n\nChannel 0: Yeah. And we can always change it again.\n\nChannel 1: Yep.\n\nChannel 0: The way I would kind of describe the current situation is like, imagine if you bought that investment property. You've got the value of it's sitting at 800,000. If that went down to 600,000, would that be a flag for you to rush off and sell it and crystallize that loss, or would you say, oh, that's a buying opportunity. I'll grab two more if you can afford to do so.\n\nChannel 1: Yes. That would be more the case. For sure. Definitely.\n\nChannel 0: Yeah. So what we're doing with your contributions\n\nChannel 1: Mhmm.\n\nChannel 0: is we're just gradually buying all of these companies, gold properties, and so on. And then\n\nChannel 1: Yep.\n\nChannel 0: when the market bounces back, you get that nice big return on the way up, which\n\nChannel 1: Yep.\n\nChannel 0: could be ten, twenty, 30% up.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Sounds good. Yep.\n\nChannel 0: Outside of that, the insurance is coming out of the account as well. Do you recall your Neos policy?\n\nChannel 1: Yes. So I know I've got that there. So\n\nChannel 0: Yep.\n\nChannel 1: yes. Whether that's still, I guess, relevant, like, the the amount that it's there for or whether\n\nChannel 0: That's\n\nChannel 1: that\n\nChannel 0: what\n\nChannel 1: can\n\nChannel 0: I wanted\n\nChannel 1: be dropped\n\nChannel 0: to run\n\nChannel 1: down.\n\nChannel 0: by you.\n\nChannel 1: Yes. Yep.\n\nChannel 0: $523,006.82 of life insurance and total disability. So it's just about half a mil plus\n\nChannel 1: Yep.\n\nChannel 0: your your super. So that pretty much covers your mortgage plus another couple 100,000 and your super on top.\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: Now premium wise, it's actually not too bad considering\n\nChannel 1: Okay.\n\nChannel 0: 49 turning 50. It's sitting at\n\nChannel 1: Which\n\nChannel 0: 20\n\nChannel 1: book?\n\nChannel 0: 200.\n\nChannel 1: Mhmm.\n\nChannel 0: It goes down to $1.08 $9.03 after a 15% rebate because all of those premiums inside Super, they get a tax rebate.\n\nChannel 1: Okay. Yep.\n\nChannel 0: That brings it down a little bit. We\n\nChannel 1: Yeah.\n\nChannel 0: do have to keep an eye on that because it will increase every year and through the fifties.\n\nChannel 1: I get older.\n\nChannel 0: If\n\nChannel 1: Yeah.\n\nChannel 0: you close your eyes for seven years, it would be six grand before you know it.\n\nChannel 1: Yes. Yep. Mhmm.\n\nChannel 0: So the main thing is as you pay down that mortgage is we will\n\nChannel 1: Mhmm.\n\nChannel 0: have to trim it down gradually as well.\n\nChannel 1: Yes. Yep. Is it worth doing that? Yep.\n\nChannel 0: It wouldn't have too big of a a difference\n\nChannel 1: Okay. Gotcha.\n\nChannel 0: unless\n\nChannel 1: Yep.\n\nChannel 0: you wanted to literally just chop it in half and just make it just in line with your mortgage value, and then that\n\nChannel 1: Yeah.\n\nChannel 0: would obviously reduce it by about 45%, save you a thousand bucks.\n\nChannel 1: Possibly.\n\nChannel 0: So it really depends on okay. Let's say you can never work again. Do you want the mortgage\n\nChannel 1: Yes.\n\nChannel 0: cleared off plus a couple of $100 to supplement lost income up until retirement? Because that'll cover you for about five, six years of lost income, or\n\nChannel 1: Mhmm.\n\nChannel 0: do\n\nChannel 1: Yes.\n\nChannel 0: you just wanna clear the debt and let your partner's income cover it?\n\nChannel 1: Maybe we'll leave it for another year and then we'll see. Well, yeah, we'll keep an eye on it. We'll leave it over this then.\n\nChannel 0: Okay.\n\nChannel 1: Yep.\n\nChannel 0: That might be the the trick afterwards because you've\n\nChannel 1: Mhmm.\n\nChannel 0: got policy anniversary in July,\n\nChannel 1: Yeah.\n\nChannel 0: and the the figures will change around then as well. Are you okay for me to pencil you in for a catch up around July?\n\nChannel 1: Yeah. Yeah. Absolutely.\n\nChannel 0: That way, once we've got the anniversary premiums, if we need to alter it, it's\n\nChannel 1: Yep.\n\nChannel 0: prorated. So let's say they\n\nChannel 1: Yep.\n\nChannel 0: take that yearly premium out and we chop\n\nChannel 1: Mhmm.\n\nChannel 0: it in half and\n\nChannel 1: Yep.\n\nChannel 0: it's only been two days,\n\nChannel 1: Yes.\n\nChannel 0: they'll refund, like, 99% of it.\n\nChannel 1: Gotcha. Yeah. No. That sounds good.\n\nChannel 0: Cool. With your occupation change, I'm just wondering if that affects pricing.\n\nChannel 1: Yep.\n\nChannel 0: Medical receptionist, pharmacy assistant. No. I think that would be pretty similar in risk\n\nChannel 1: I would\n\nChannel 0: level.\n\nChannel 1: imagine. Yeah.\n\nChannel 0: If they bump you up to a manager or something like that, you could potentially get a cheaper premium that way as well.\n\nChannel 1: Okay.\n\nChannel 0: Cool. There's no income protection or trauma insurance, I'm assuming. I mean, with the casual income, your partner's income is the main one to insure. Would you agree?\n\nChannel 1: Yes. Yes. Without a doubt.\n\nChannel 0: Yep. And I'm assuming you probably don't want another $5 worth of premiums for some income protection at the moment.\n\nChannel 1: No. That's how I got done when I was with Rest. And\n\nChannel 0: Oh,\n\nChannel 1: I was paying income protection, and then I went on the 10 early lead. They went back part time. And it just all stayed the same because, you know, that's not where my head was at. And so I went from playing. Yeah.\n\nAnd it was just so much money went down the drain.\n\nChannel 0: That's, yeah, that's a bit painful. My main job is to say, hey. You could have these four insurances. Are they appropriate? Yes or no?\n\nChannel 1: Yep.\n\nChannel 0: For you,\n\nChannel 1: No.\n\nChannel 0: life and TPD is. Income protection,\n\nChannel 1: Mhmm.\n\nChannel 0: not so much.\n\nChannel 1: No. Mm-mm. Yep.\n\nChannel 0: And it's up to you whether you feel like you can afford to get some trauma insurance out of pocket for heart attack, stroke, and cancer. You can't fund it through your super. If you have a heart attack, do you rely on your partner in the public health system, or would you like insurance for that?\n\nChannel 1: I guess what is what would the cost be?\n\nChannel 0: I would say for a standard 100,000 worth of cover, it would probably be around 100 to 200 a month.\n\nChannel 1: Okay. Yeah. I'd not at this stage. I don't see I mean, yes. Look.\n\nIdeally, love it. We'd love to put\n\nChannel 0: Yeah.\n\nChannel 1: that on there and cover it. But yeah. Another 100 to 200 a month out of what I earn is yeah. I mean, all that money goes in together anyway, but, yes, I think we'll just try and get this house paid off.\n\nChannel 0: Yeah. No.\n\nChannel 1: Yeah. So\n\nChannel 0: Totally\n\nChannel 1: that would\n\nChannel 0: fine.\n\nChannel 1: make a difference. Yeah. Mhmm.\n\nChannel 0: I am guided by you. That is perfect. The last thing I was gonna check was just in terms of beneficiaries. I\n\nChannel 1: Mhmm.\n\nChannel 0: might have to dig into the accounts a bit deeper. The certificate of currency for Nios doesn't actually tell me who's listed\n\nChannel 1: Okay.\n\nChannel 0: on there. I'm assuming you still want your partner to receive the super and the life insurance. Is that right?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Perfect. So what I'll do is straight after this call, I will send you a message once I've logged in to both accounts just to double check that that's all up to date. If not, we can\n\nChannel 1: Sure.\n\nChannel 0: send you the forms.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Perfect. Perfect. Perfect. Now that was a bit of info to throw at you, Nicola, but do\n\nChannel 1: Mhmm.\n\nChannel 0: you have any questions so far?\n\nChannel 1: No. So yeah. Sounding all good at the moment.\n\nChannel 0: Okay. Are you happy with how everything's going so far since you've been a client? Because you've been a client with us for for quite a while.\n\nChannel 1: Yeah. Yeah. It's been quite some time. And, yes, I mean, the market has, yeah, been hit hard, I guess, with, like you mentioned, due to COVID and all of that. And it was so yeah.\n\nBut it's definitely I feel like my soup has grown. Definitely in comparison to where I had it prior. And you guys definitely do seem to yeah. You're more invested in your clients than, you know,\n\nChannel 0: Yep.\n\nChannel 1: those big bulk, you know, ones\n\nChannel 0: That's\n\nChannel 1: that\n\nChannel 0: super\n\nChannel 1: tend\n\nChannel 0: fun\n\nChannel 1: to\n\nChannel 0: that just\n\nChannel 1: just\n\nChannel 0: sits in the background.\n\nChannel 1: yeah. You're\n\nChannel 0: Yeah.\n\nChannel 1: just a number. Yeah.\n\nChannel 0: Yeah. Absolutely. My the fun thing for me is just kind of seeing people go through each life stage and kind of being alongside that. So, you know, there's some people who have a couple of teenagers\n\nChannel 1: Yeah.\n\nChannel 0: and they're investing so they can help with the house deposit.\n\nChannel 1: Yeah.\n\nChannel 0: We get to be there when they retire and have their pension\n\nChannel 1: Yeah.\n\nChannel 0: accounts go on their first holiday. It's it's pretty fun. It's rewarding.\n\nChannel 1: So that is good. Yeah. For sure. I mean, when I think about what we've done since I have joined you guys, you know, we we went to Italy for a month. We did that.\n\nWe've, you know, yes, reduced our mortgage. We bought a caravan. We've probably yeah. We've got a new car. So yeah.\n\nThere's yeah. Few things we've done. So and, you know, which you don't necessarily always think about until, you know, it's a situation like this when you're going over\n\nChannel 0: Yeah. And sometimes that can be the biggest help for us. People just kind of they just go through life and life skips by really quickly\n\nChannel 1: it.\n\nChannel 0: and not taking a time to just kind of pause, talk about it, look at a few things, and try something. And sometimes\n\nChannel 1: Yeah.\n\nChannel 0: that can be enough to just kind of pivot the direction in the right path, if that makes sense.\n\nChannel 1: Yeah. Yep. Absolutely.\n\nChannel 0: Awesome. Now with that pack that I've sent you through, it contains a number of documents that are kind of attachments\n\nChannel 1: Yes.\n\nChannel 0: as well as\n\nChannel 1: I\n\nChannel 0: a\n\nChannel 1: see\n\nChannel 0: link\n\nChannel 1: them.\n\nChannel 0: as well.\n\nChannel 1: Yep.\n\nChannel 0: So attached, we've got updated financial services guide. That's like\n\nChannel 1: Mhmm.\n\nChannel 0: our licensing details, complaints procedure, what we can advise on.\n\nChannel 1: Yep.\n\nChannel 0: You've got a bit of a Vanguard chart, which just talks about the history of the markets for a bit of a long term view, your certificate of currency for the insurance, your performance for the net wealth, and an overview services guide as\n\nChannel 1: Mhmm.\n\nChannel 0: well.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Now I do have to ask the all important question. Are you comfortable for us to remain your advisers for the next twelve months?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. We do have to get your consent on a yearly basis to remain\n\nChannel 1: Mhmm.\n\nChannel 0: on the accounts. So included in the little blue link is a service agreement, and that has 1.65% of the fees. That's been included in the returns. So, again,\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: net returns after fees. And\n\nChannel 1: Mhmm.\n\nChannel 0: once you hit 600,000 in your balance, which is the ideal target to get everyone up to that million mark, it does\n\nChannel 1: Yeah.\n\nChannel 0: cap when you're at 600,000.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: K? Now it may seem like you may never get there, but it you'd be surprised what can happen in those later years where you go from $2.50, 300, and all of a sudden, seven\n\nChannel 1: Yeah.\n\nChannel 0: years later, you're sitting at $506,100.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: it can really compound those last ten years or so.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Okay? I'm just gonna double check if there was anything else in that pack because we've\n\nChannel 1: Mhmm.\n\nChannel 0: just been updating some details in the new system. So please just bear with me for one quick moment. Yes. There is a tax file number opt in form.\n\nChannel 1: Mhmm. No.\n\nChannel 0: So with all the cybersecurity issues of last year, we don't wanna hold your all important tax file number in a bunch of\n\nChannel 1: Sure.\n\nChannel 0: digital\n\nChannel 1: Yep.\n\nChannel 0: So this is just a form to say, hey. Are you comfortable for us to hold it on this one document instead? Because it\n\nChannel 1: Sure.\n\nChannel 0: is such an important identifier for you.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Cool. Do you have any questions for me before I let you go?\n\nChannel 1: Nice.\n\nChannel 0: Awesome.\n\nChannel 1: Other than\n\nChannel 0: I\n\nChannel 1: I just need to sign this machine.\n\nChannel 0: if you could, please, that'd be fantastic,\n\nChannel 1: Mhmm.\n\nChannel 0: and I will link in with the team to book you in around July.\n\nChannel 1: Yeah.\n\nChannel 0: I'm actually going on paternity leave. Got a daughter\n\nChannel 1: Oh,\n\nChannel 0: coming in\n\nChannel 1: congratulations.\n\nChannel 0: June. Thank you. Number three. So I don't\n\nChannel 1: Oh,\n\nChannel 0: know why\n\nChannel 1: wow.\n\nChannel 0: we went to do that, but, you\n\nChannel 1: Yep.\n\nChannel 0: know, it'll be fun later down the line, I'm sure. And I should be back towards the June. So\n\nChannel 1: Mhmm.\n\nChannel 0: as\n\nChannel 1: Okay.\n\nChannel 0: soon as I'm back, I'll get the team to reach out and try and find a time with you.\n\nChannel 1: Yes.\n\nChannel 0: Awesome. If anything pops up in between, please just give us a call.\n\nChannel 1: Mhmm. No worries.\n\nChannel 0: Awesome,\n\nChannel 1: Alright.\n\nChannel 0: Nicola. Thank you so much for your time. Anything else I can do?\n\nChannel 1: No. Nope. That's alright. I'm signing it. It's loading right now.\n\nSo, actually, that will go through shortly.\n\nChannel 0: Cool. When you go through to the end, there'll be a pop up if you wanna download a signed copy for your records.\n\nChannel 1: Okay. Fantastic. Thank you.\n\nChannel 0: Awesome, Nicola. Have a fantastic day,\n\nChannel 1: Alright.\n\nChannel 0: and we'll talk soon.\n\nChannel 1: You too. All the best. Thank you.\n\nChannel 0: Thank you. Bye.\n\nChannel 1: Bye bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.28,"end":1.5999999,"sentiment":"neutral","sentiment_score":0.03953630104660988},{"text":"This is Nicola.","start":1.5999999,"end":2.42,"sentiment":"neutral","sentiment_score":0.0451740932961305}],"sentiment":"neutral","sentiment_score":0.04376464523375034,"channel":1,"num_words":4,"start":1.28,"end":2.42},{"sentences":[{"text":"Good afternoon, Nicola.","start":3.84,"end":4.7999997,"sentiment":"neutral","sentiment_score":0.27487340569496155},{"text":"It's Tommy here, senior adviser from Oakview.","start":4.7999997,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.1741857102939061},{"text":"How are you doing?","start":6.8799996,"end":7.7,"sentiment":"neutral","sentiment_score":0.1591976173222065}],"sentiment":"neutral","sentiment_score":0.19147933274507523,"channel":0,"num_words":14,"start":3.84,"end":7.7},{"sentences":[{"text":"Not too bad.","start":7.8399997,"end":8.48,"sentiment":"neutral","sentiment_score":0.24626453717549643},{"text":"Thank you.","start":8.48,"end":8.8,"sentiment":"positive","sentiment_score":0.46098853647708893},{"text":"And you?","start":8.8,"end":9.46,"sentiment":"neutral","sentiment_score":0.2749214619398117}],"sentiment":"neutral","sentiment_score":0.31580194405147005,"channel":1,"num_words":7,"start":7.8399997,"end":9.46},{"sentences":[{"text":"I'm doing fantastic.","start":9.599999,"end":10.58,"sentiment":"positive","sentiment_score":0.7280544837315878},{"text":"It's a beautiful cool down the Gold Coast.","start":10.719999,"end":12.799999,"sentiment":"positive","sentiment_score":0.6682996600866318},{"text":"What about your end?","start":12.799999,"end":13.815,"sentiment":"neutral","sentiment_score":0.0897376798093319}],"sentiment":"positive","sentiment_score":0.5259674300750097,"channel":0,"num_words":15,"start":9.599999,"end":13.815},{"sentences":[{"text":"I think it's gonna be 29 here today in Adelaide.","start":14.945,"end":17.445,"sentiment":"neutral","sentiment_score":0.03773200027644634}],"sentiment":"neutral","sentiment_score":0.03773200027644634,"channel":1,"num_words":10,"start":14.945,"end":17.445},{"sentences":[{"text":"Oof.","start":17.895,"end":18.215,"sentiment":"neutral","sentiment_score":0.06446116417646408},{"text":"Not too bad.","start":18.215,"end":19.115,"sentiment":"neutral","sentiment_score":0.06815658261378606}],"sentiment":"neutral","sentiment_score":0.06723272800445557,"channel":0,"num_words":4,"start":17.895,"end":19.115},{"sentences":[{"text":"Yeah.","start":18.865,"end":19.145,"sentiment":"neutral","sentiment_score":0.04579094797372818},{"text":"That's it.","start":19.145,"end":19.925,"sentiment":"neutral","sentiment_score":0.03589401952922344}],"sentiment":"neutral","sentiment_score":0.039192995677391686,"channel":1,"num_words":3,"start":18.865,"end":19.925},{"sentences":[{"text":"Bit of a beach weather all of a sudden.","start":19.574999,"end":21.275,"sentiment":"neutral","sentiment_score":0.01018980455895265}],"sentiment":"neutral","sentiment_score":0.01018980455895265,"channel":0,"num_words":9,"start":19.574999,"end":21.275},{"sentences":[{"text":"Yes.","start":21.425,"end":21.904999,"sentiment":"neutral","sentiment_score":0.0545341819524765},{"text":"That's it.","start":21.904999,"end":22.725,"sentiment":"neutral","sentiment_score":0.10075347498059273}],"sentiment":"neutral","sentiment_score":0.08534704397122066,"channel":1,"num_words":3,"start":21.425,"end":22.725},{"sentences":[{"text":"Awesome.","start":23.255,"end":23.654999,"sentiment":"positive","sentiment_score":0.3774155378341675}],"sentiment":"positive","sentiment_score":0.3774155378341675,"channel":0,"num_words":1,"start":23.255,"end":23.654999},{"sentences":[{"text":"Yep.","start":23.265,"end":23.765,"sentiment":"neutral","sentiment_score":0.1934560239315033}],"sentiment":"neutral","sentiment_score":0.1934560239315033,"channel":1,"num_words":1,"start":23.265,"end":23.765},{"sentences":[{"text":"I've got you booked in to go through a bit of an annual review","start":23.654999,"end":26.294998,"sentiment":"neutral","sentiment_score":0.16171408657516753}],"sentiment":"neutral","sentiment_score":0.16171408657516753,"channel":0,"num_words":14,"start":23.654999,"end":26.294998},{"sentences":[{"text":"Yes.","start":26.269999,"end":26.769999,"sentiment":"neutral","sentiment_score":0.114575557410717}],"sentiment":"neutral","sentiment_score":0.114575557410717,"channel":1,"num_words":1,"start":26.269999,"end":26.769999},{"sentences":[{"text":"if you still have time for me.","start":26.294998,"end":27.63,"sentiment":"neutral","sentiment_score":0.11797950736113957},{"text":"Fantastic.","start":29.07,"end":29.57,"sentiment":"positive","sentiment_score":0.3869110941886902},{"text":"Now before I get started, usual security process, are you okay for this call to be recorded?","start":29.789999,"end":34.449997,"sentiment":"neutral","sentiment_score":0.07832035444238607}],"sentiment":"neutral","sentiment_score":0.10176854684948922,"channel":0,"num_words":25,"start":26.294998,"end":34.449997},{"sentences":[{"text":"Yes.","start":34.75,"end":35.25,"sentiment":"neutral","sentiment_score":0.09163843095302582}],"sentiment":"neutral","sentiment_score":0.09163843095302582,"channel":1,"num_words":1,"start":34.75,"end":35.25},{"sentences":[{"text":"Amazing.","start":35.949997,"end":36.449997,"sentiment":"neutral","sentiment_score":0.20894627273082733},{"text":"And for security of your information, I'm registered with ASIC as Adviser 1273105.","start":36.67,"end":43.715,"sentiment":"neutral","sentiment_score":0.10740453807207254},{"text":"Are you okay to confirm your date of birth and address, please?","start":43.855,"end":46.995,"sentiment":"neutral","sentiment_score":0.06316180837651093}],"sentiment":"neutral","sentiment_score":0.09089026800715007,"channel":0,"num_words":26,"start":35.949997,"end":46.995},{"sentences":[{"text":"Yep.","start":47.255,"end":47.575,"sentiment":"neutral","sentiment_score":0.032022520899772644},{"text":"So it's the 1976, and address","start":47.575,"end":51.575,"sentiment":"neutral","sentiment_score":0.02931755067159732}],"sentiment":"neutral","sentiment_score":0.029703974989908084,"channel":1,"num_words":7,"start":47.255,"end":51.575},{"sentences":[{"text":"Perfect.","start":51.215,"end":51.715,"sentiment":"neutral","sentiment_score":0.05631401389837265}],"sentiment":"neutral","sentiment_score":0.05631401389837265,"channel":0,"num_words":1,"start":51.215,"end":51.715},{"sentences":[{"text":"is 25 Melbourne Place in Alberton, South Australia 5014.","start":51.575,"end":56.25,"sentiment":"neutral","sentiment_score":0.050676044904523425}],"sentiment":"neutral","sentiment_score":0.050676044904523425,"channel":1,"num_words":9,"start":51.575,"end":56.25},{"sentences":[{"text":"Amazing.","start":56.75,"end":57.23,"sentiment":"positive","sentiment_score":0.3935467004776001},{"text":"Amazing.","start":57.23,"end":57.629997,"sentiment":"positive","sentiment_score":0.45855286717414856},{"text":"Thank you so much for that.","start":57.629997,"end":59.01,"sentiment":"positive","sentiment_score":0.579783022403717},{"text":"I have your Gmail account ready to go to send through this annual review pack.","start":59.149998,"end":63.71,"sentiment":"neutral","sentiment_score":0.31480677823225656},{"text":"Is that still okay?","start":63.71,"end":64.77,"sentiment":"neutral","sentiment_score":0.1597627028822899}],"sentiment":"positive","sentiment_score":0.35896111804026143,"channel":0,"num_words":27,"start":56.75,"end":64.77},{"sentences":[{"text":"Yes.","start":65.11,"end":65.475,"sentiment":"neutral","sentiment_score":0.14981192350387573}],"sentiment":"neutral","sentiment_score":0.14981192350387573,"channel":1,"num_words":1,"start":65.11,"end":65.475},{"sentences":[{"text":"Awesome.","start":66.284996,"end":66.765,"sentiment":"neutral","sentiment_score":0.23024716973304749},{"text":"So I'm gonna pop that through to you now with a number of usual attachments there as well.","start":66.765,"end":71.985,"sentiment":"neutral","sentiment_score":0.14099488779902458}],"sentiment":"neutral","sentiment_score":0.1456923763218679,"channel":0,"num_words":19,"start":66.284996,"end":71.985},{"sentences":[{"text":"Mhmm.","start":72.195,"end":72.695,"sentiment":"neutral","sentiment_score":0.0274585485458374}],"sentiment":"neutral","sentiment_score":0.0274585485458374,"channel":1,"num_words":1,"start":72.195,"end":72.695},{"sentences":[{"text":"Will you have time to look onto these documents with me today, or should I just kind of walk you through what's there?","start":72.845,"end":77.825,"sentiment":"neutral","sentiment_score":0.03759101195179898}],"sentiment":"neutral","sentiment_score":0.03759101195179898,"channel":0,"num_words":23,"start":72.845,"end":77.825},{"sentences":[{"text":"I've got about an hour.","start":79.38,"end":80.84,"sentiment":"neutral","sentiment_score":0.004259921889752149}],"sentiment":"neutral","sentiment_score":0.004259921889752149,"channel":1,"num_words":5,"start":79.38,"end":80.84},{"sentences":[{"text":"Oh, that should be","start":82.22,"end":83.02,"sentiment":"neutral","sentiment_score":0.026737565640360117}],"sentiment":"neutral","sentiment_score":0.026737565640360117,"channel":0,"num_words":4,"start":82.22,"end":83.02},{"sentences":[{"text":"So","start":82.899994,"end":83.299995,"sentiment":"neutral","sentiment_score":0.017264682799577713}],"sentiment":"neutral","sentiment_score":0.017264682799577713,"channel":1,"num_words":1,"start":82.899994,"end":83.299995},{"sentences":[{"text":"plenty","start":83.02,"end":83.34,"sentiment":"neutral","sentiment_score":0.01678607054054737}],"sentiment":"neutral","sentiment_score":0.01678607054054737,"channel":0,"num_words":1,"start":83.02,"end":83.34},{"sentences":[{"text":"I'm","start":83.299995,"end":83.53999,"sentiment":"neutral","sentiment_score":0.015677588060498238}],"sentiment":"neutral","sentiment_score":0.015677588060498238,"channel":1,"num_words":1,"start":83.299995,"end":83.53999},{"sentences":[{"text":"of time.","start":83.34,"end":84.0,"sentiment":"neutral","sentiment_score":0.015654836781322956}],"sentiment":"neutral","sentiment_score":0.015654836781322956,"channel":0,"num_words":2,"start":83.34,"end":84.0},{"sentences":[{"text":"just popping you on speed.","start":83.53999,"end":84.92,"sentiment":"neutral","sentiment_score":0.03020744025707245},{"text":"Can you just have a look?","start":85.06,"end":86.2,"sentiment":"neutral","sentiment_score":0.015599220370252928},{"text":"Can you hear me?","start":86.899994,"end":88.03999,"sentiment":"neutral","sentiment_score":-0.0016645793803036213}],"sentiment":"neutral","sentiment_score":0.01586494706571102,"channel":1,"num_words":15,"start":83.53999,"end":88.03999},{"sentences":[{"text":"Yes.","start":88.06,"end":88.38,"sentiment":"neutral","sentiment_score":0.01628326252102852},{"text":"I can hear","start":88.38,"end":88.78,"sentiment":"neutral","sentiment_score":0.014135921994845072}],"sentiment":"neutral","sentiment_score":0.014672757126390934,"channel":0,"num_words":4,"start":88.06,"end":88.78},{"sentences":[{"text":"Yes.","start":88.74,"end":89.06,"sentiment":"neutral","sentiment_score":0.0444130040705204}],"sentiment":"neutral","sentiment_score":0.0444130040705204,"channel":1,"num_words":1,"start":88.74,"end":89.06},{"sentences":[{"text":"you perfectly.","start":88.78,"end":89.34,"sentiment":"neutral","sentiment_score":0.07813440635800362}],"sentiment":"neutral","sentiment_score":0.07813440635800362,"channel":0,"num_words":2,"start":88.78,"end":89.34},{"sentences":[{"text":"I can.","start":89.06,"end":89.64,"sentiment":"neutral","sentiment_score":0.04565664194524288}],"sentiment":"neutral","sentiment_score":0.04565664194524288,"channel":1,"num_words":2,"start":89.06,"end":89.64},{"sentences":[{"text":"What about my end?","start":89.34,"end":90.405,"sentiment":"neutral","sentiment_score":0.0030051092617213726}],"sentiment":"neutral","sentiment_score":0.0030051092617213726,"channel":0,"num_words":4,"start":89.34,"end":90.405},{"sentences":[{"text":"Yep.","start":90.82,"end":91.14,"sentiment":"neutral","sentiment_score":0.026022538542747498},{"text":"Yep.","start":91.14,"end":91.38,"sentiment":"neutral","sentiment_score":0.05812988802790642},{"text":"Perfect.","start":91.38,"end":91.88,"sentiment":"neutral","sentiment_score":0.18491777777671817},{"text":"All","start":92.579994,"end":92.74,"sentiment":"neutral","sentiment_score":0.2485342174768448}],"sentiment":"neutral","sentiment_score":0.1294011054560542,"channel":1,"num_words":4,"start":90.82,"end":92.74},{"sentences":[{"text":"Amazing.","start":92.645,"end":93.145,"sentiment":"neutral","sentiment_score":0.29216468334198}],"sentiment":"neutral","sentiment_score":0.29216468334198,"channel":0,"num_words":1,"start":92.645,"end":93.145},{"sentences":[{"text":"good.","start":92.74,"end":93.075,"sentiment":"neutral","sentiment_score":0.21636593341827393},{"text":"K.","start":95.075,"end":95.575,"sentiment":"neutral","sentiment_score":0.08742683380842209}],"sentiment":"neutral","sentiment_score":0.151896383613348,"channel":1,"num_words":2,"start":92.74,"end":95.575},{"sentences":[{"text":"Alright.","start":95.365,"end":95.765,"sentiment":"neutral","sentiment_score":0.09299933910369872},{"text":"So that should come through.","start":95.765,"end":96.885,"sentiment":"neutral","sentiment_score":0.0986778423190117},{"text":"We do have a bit of a new system this year with Odoo, sort of custom built for us.","start":96.885,"end":101.365,"sentiment":"neutral","sentiment_score":0.07397989850295217},{"text":"That may go through to your spam box on the first attempt","start":101.365,"end":105.065,"sentiment":"neutral","sentiment_score":0.028350339426348608}],"sentiment":"neutral","sentiment_score":0.06303272149651437,"channel":0,"num_words":37,"start":95.365,"end":105.065},{"sentences":[{"text":"Okay.","start":105.55499,"end":106.05499,"sentiment":"neutral","sentiment_score":0.018517712131142616}],"sentiment":"neutral","sentiment_score":0.018517712131142616,"channel":1,"num_words":1,"start":105.55499,"end":106.05499},{"sentences":[{"text":"until it's all kind of cleared through spam filters and so on, or it may go straight to the main inbox.","start":105.72,"end":111.0,"sentiment":"neutral","sentiment_score":0.023012088212583746},{"text":"Just depends on Gmail these days.","start":111.0,"end":113.5,"sentiment":"neutral","sentiment_score":0.03351434040814638},{"text":"Awesome.","start":115.96,"end":116.28,"sentiment":"neutral","sentiment_score":0.3094288408756256},{"text":"Awesome.","start":116.28,"end":116.68,"sentiment":"neutral","sentiment_score":0.1711522936820984},{"text":"So before I dive into your details, is there anything","start":116.68,"end":120.454994,"sentiment":"neutral","sentiment_score":0.01955748749896884}],"sentiment":"neutral","sentiment_score":0.034884510370783314,"channel":0,"num_words":39,"start":105.72,"end":120.454994},{"sentences":[{"text":"Mhmm.","start":120.345,"end":120.845,"sentiment":"neutral","sentiment_score":0.007214161567389965}],"sentiment":"neutral","sentiment_score":0.007214161567389965,"channel":1,"num_words":1,"start":120.345,"end":120.845},{"sentences":[{"text":"in particular you would like to get out of this year's review?","start":120.454994,"end":123.274994,"sentiment":"neutral","sentiment_score":0.022206891948978107}],"sentiment":"neutral","sentiment_score":0.022206891948978107,"channel":0,"num_words":12,"start":120.454994,"end":123.274994},{"sentences":[{"text":"Well so my work situation changed.","start":124.985,"end":127.485,"sentiment":"neutral","sentiment_score":0.2673415057361126},{"text":"So","start":129.22499,"end":129.72499,"sentiment":"positive","sentiment_score":0.7472096681594849}],"sentiment":"positive","sentiment_score":0.3358941003680229,"channel":1,"num_words":7,"start":124.985,"end":129.72499},{"sentences":[{"text":"Amazing.","start":129.255,"end":129.755,"sentiment":"positive","sentiment_score":0.7174702882766724}],"sentiment":"positive","sentiment_score":0.7174702882766724,"channel":0,"num_words":1,"start":129.255,"end":129.755},{"sentences":[{"text":"yeah.","start":130.105,"end":130.505,"sentiment":"positive","sentiment_score":0.39418327808380127},{"text":"Well, no.","start":130.505,"end":131.325,"sentiment":"neutral","sentiment_score":0.005441220477223396},{"text":"Not necessarily.","start":131.545,"end":132.285,"sentiment":"neutral","sentiment_score":-0.11656244471669197},{"text":"It's","start":132.825,"end":133.22499,"sentiment":"neutral","sentiment_score":-0.058611996471881866}],"sentiment":"neutral","sentiment_score":0.018888138855497043,"channel":1,"num_words":6,"start":130.105,"end":133.22499},{"sentences":[{"text":"Oh,","start":133.12999,"end":133.37,"sentiment":"neutral","sentiment_score":-0.15519995987415314}],"sentiment":"neutral","sentiment_score":-0.15519995987415314,"channel":0,"num_words":1,"start":133.12999,"end":133.37},{"sentences":[{"text":"less","start":133.22499,"end":133.72499,"sentiment":"neutral","sentiment_score":-0.250262051820755}],"sentiment":"neutral","sentiment_score":-0.250262051820755,"channel":1,"num_words":1,"start":133.22499,"end":133.72499},{"sentences":[{"text":"no.","start":133.37,"end":133.87,"sentiment":"neutral","sentiment_score":-0.3293280601501465}],"sentiment":"neutral","sentiment_score":-0.3293280601501465,"channel":0,"num_words":1,"start":133.37,"end":133.87},{"sentences":[{"text":"less money now.","start":134.08,"end":135.22,"sentiment":"negative","sentiment_score":-0.3593610425790151},{"text":"So, yeah, I took a risk and tried something different.","start":136.0,"end":138.48,"sentiment":"neutral","sentiment_score":-0.26549324840307237},{"text":"Didn't turn out.","start":138.48,"end":139.54,"sentiment":"neutral","sentiment_score":-0.2079680860042572},{"text":"And","start":139.84,"end":140.08,"sentiment":"neutral","sentiment_score":-0.10265080630779266}],"sentiment":"neutral","sentiment_score":-0.2623276868287255,"channel":1,"num_words":17,"start":134.08,"end":140.08},{"sentences":[{"text":"Okay.","start":139.84999,"end":140.34999,"sentiment":"neutral","sentiment_score":-0.08507905900478363}],"sentiment":"neutral","sentiment_score":-0.08507905900478363,"channel":0,"num_words":1,"start":139.84999,"end":140.34999},{"sentences":[{"text":"now I'm I'm just working, but I'm just it's hassle.","start":140.08,"end":142.58,"sentiment":"neutral","sentiment_score":-0.08935237489640713},{"text":"So it's less hours than I want at the moment, and","start":142.88,"end":146.815,"sentiment":"neutral","sentiment_score":-0.0672536665065722}],"sentiment":"neutral","sentiment_score":-0.07777686097792216,"channel":1,"num_words":21,"start":140.08,"end":146.815},{"sentences":[{"text":"Okay.","start":146.66501,"end":147.16501,"sentiment":"neutral","sentiment_score":-0.014564691111445429}],"sentiment":"neutral","sentiment_score":-0.014564691111445429,"channel":0,"num_words":1,"start":146.66501,"end":147.16501},{"sentences":[{"text":"that's been since September.","start":146.815,"end":148.755,"sentiment":"neutral","sentiment_score":-0.0258183516561985},{"text":"So then it was sort of like this plays on my mind with, you know yeah.","start":149.055,"end":154.755,"sentiment":"neutral","sentiment_score":-0.049269847106188536},{"text":"What what what do I do from here?","start":155.135,"end":156.97499,"sentiment":"neutral","sentiment_score":-0.08546407334506512},{"text":"You know, it's just like, at the moment, the work life balance is great, but obviously then the money is not coming in.","start":156.97499,"end":163.93001,"sentiment":"neutral","sentiment_score":-0.05220464066318844},{"text":"But at the same time, work life balance is better.","start":163.93001,"end":167.71,"sentiment":"neutral","sentiment_score":0.06365474835038185}],"sentiment":"neutral","sentiment_score":-0.03507316063662044,"channel":1,"num_words":61,"start":146.815,"end":167.71},{"sentences":[{"text":"Especially because I'm still, you know, I've got a teenage boy who I need to change to appointments here, there, and everywhere as well.","start":168.01001,"end":174.60501,"sentiment":"neutral","sentiment_score":-0.027078008356814582}],"sentiment":"neutral","sentiment_score":-0.027078008356814582,"channel":1,"num_words":24,"start":168.01001,"end":174.60501},{"sentences":[{"text":"Yeah.","start":174.455,"end":174.695,"sentiment":"neutral","sentiment_score":0.0213104784488678}],"sentiment":"neutral","sentiment_score":0.0213104784488678,"channel":0,"num_words":1,"start":174.455,"end":174.695},{"sentences":[{"text":"So","start":174.60501,"end":174.985,"sentiment":"neutral","sentiment_score":0.0143336970359087}],"sentiment":"neutral","sentiment_score":0.0143336970359087,"channel":1,"num_words":1,"start":174.60501,"end":174.985},{"sentences":[{"text":"He would","start":174.695,"end":175.175,"sentiment":"neutral","sentiment_score":0.01642837468534708}],"sentiment":"neutral","sentiment_score":0.01642837468534708,"channel":0,"num_words":2,"start":174.695,"end":175.175},{"sentences":[{"text":"it's","start":174.985,"end":175.36499,"sentiment":"neutral","sentiment_score":0.020077519118785855}],"sentiment":"neutral","sentiment_score":0.020077519118785855,"channel":1,"num_words":1,"start":174.985,"end":175.36499},{"sentences":[{"text":"have just turned,","start":175.175,"end":176.05501,"sentiment":"neutral","sentiment_score":0.014310710753003756}],"sentiment":"neutral","sentiment_score":0.014310710753003756,"channel":0,"num_words":3,"start":175.175,"end":176.05501},{"sentences":[{"text":"Yeah.","start":175.745,"end":176.245,"sentiment":"neutral","sentiment_score":0.017213821411132812}],"sentiment":"neutral","sentiment_score":0.017213821411132812,"channel":1,"num_words":1,"start":175.745,"end":176.245},{"sentences":[{"text":"what, 13 this","start":176.05501,"end":177.095,"sentiment":"neutral","sentiment_score":0.007636967735985915}],"sentiment":"neutral","sentiment_score":0.007636967735985915,"channel":0,"num_words":3,"start":176.05501,"end":177.095},{"sentences":[{"text":"They're","start":176.945,"end":177.185,"sentiment":"neutral","sentiment_score":0.0006689423462375998}],"sentiment":"neutral","sentiment_score":0.0006689423462375998,"channel":1,"num_words":1,"start":176.945,"end":177.185},{"sentences":[{"text":"year?","start":177.095,"end":177.595,"sentiment":"neutral","sentiment_score":-0.00015844590961933136}],"sentiment":"neutral","sentiment_score":-0.00015844590961933136,"channel":0,"num_words":1,"start":177.095,"end":177.595},{"sentences":[{"text":"saying yeah.","start":177.185,"end":178.145,"sentiment":"neutral","sentiment_score":0.010210586711764336},{"text":"Yeah.","start":178.145,"end":178.645,"sentiment":"neutral","sentiment_score":0.06519901752471924},{"text":"Yep.","start":178.865,"end":179.365,"sentiment":"neutral","sentiment_score":0.19734466075897217}],"sentiment":"neutral","sentiment_score":0.07074121292680502,"channel":1,"num_words":4,"start":177.185,"end":179.365},{"sentences":[{"text":"Amazing.","start":179.59001,"end":180.09001,"sentiment":"positive","sentiment_score":0.4141970574855805},{"text":"So with your the casual employment, would you potentially have an estimate of what your yearly income looks like now?","start":180.47,"end":187.45001,"sentiment":"neutral","sentiment_score":0.11035263445228338}],"sentiment":"neutral","sentiment_score":0.12482141650148801,"channel":0,"num_words":21,"start":179.59001,"end":187.45001},{"sentences":[{"text":"Well, that's what I was trying to work out, actually, just before you called.","start":187.67,"end":191.76999,"sentiment":"neutral","sentiment_score":-0.05324214457401207},{"text":"I probably should've done this before.","start":192.23,"end":193.93,"sentiment":"neutral","sentiment_score":-0.1099717915058136},{"text":"But, I mean, at the moment, you know, it's no.","start":193.98999,"end":197.03,"sentiment":"neutral","sentiment_score":-0.18552058190107346},{"text":"I see.","start":197.03,"end":197.34999,"sentiment":"neutral","sentiment_score":-0.17845598608255386},{"text":"It's really tricky.","start":197.34999,"end":198.25,"sentiment":"neutral","sentiment_score":-0.2815389235814412}],"sentiment":"neutral","sentiment_score":-0.12748443814260618,"channel":1,"num_words":35,"start":187.67,"end":198.25},{"sentences":[{"text":"So I started there in, say, September.","start":198.39,"end":200.81,"sentiment":"neutral","sentiment_score":-0.12436619081667491},{"text":"And so from them, I've only earned 16,000.","start":202.475,"end":206.175,"sentiment":"neutral","sentiment_score":-0.12619593925774097},{"text":"So yeah.","start":206.315,"end":207.455,"sentiment":"neutral","sentiment_score":-0.10202615335583688},{"text":"And being casual, then Christmas is off.","start":208.235,"end":211.355,"sentiment":"neutral","sentiment_score":-0.16789896999086654},{"text":"There's been lots of holidays.","start":211.355,"end":212.735,"sentiment":"neutral","sentiment_score":-0.19068166017532348}],"sentiment":"neutral","sentiment_score":-0.14527187059665547,"channel":1,"num_words":29,"start":198.39,"end":212.735},{"sentences":[{"text":"Yeah.","start":213.54001,"end":214.035,"sentiment":"neutral","sentiment_score":-0.0671510398387909}],"sentiment":"neutral","sentiment_score":-0.0671510398387909,"channel":0,"num_words":1,"start":213.54001,"end":214.035},{"sentences":[{"text":"Yeah.","start":213.595,"end":213.91501,"sentiment":"neutral","sentiment_score":-0.06573675572872162},{"text":"Yeah.","start":213.91501,"end":214.075,"sentiment":"neutral","sentiment_score":-0.07285255193710327},{"text":"So, essentially, we just don't work, and so we don't earn, which kinda sucks.","start":214.075,"end":219.38,"sentiment":"neutral","sentiment_score":-0.2287201934627124},{"text":"But yeah.","start":219.38,"end":221.0,"sentiment":"neutral","sentiment_score":-0.10026616603136063}],"sentiment":"neutral","sentiment_score":-0.19673357490036222,"channel":1,"num_words":18,"start":213.595,"end":221.0},{"sentences":[{"text":"Well, even so, like, if I divided that by the seven months and extrapolated","start":220.675,"end":225.335,"sentiment":"neutral","sentiment_score":0.00995079574308225}],"sentiment":"neutral","sentiment_score":0.00995079574308225,"channel":0,"num_words":14,"start":220.675,"end":225.335},{"sentences":[{"text":"Yeah.","start":224.9,"end":225.4,"sentiment":"neutral","sentiment_score":0.02806985378265381}],"sentiment":"neutral","sentiment_score":0.02806985378265381,"channel":1,"num_words":1,"start":224.9,"end":225.4},{"sentences":[{"text":"that ad annually, you're still getting around 27, which is creeping close to the 30 we","start":225.55501,"end":231.18001,"sentiment":"neutral","sentiment_score":0.005527092609554529}],"sentiment":"neutral","sentiment_score":0.005527092609554529,"channel":0,"num_words":16,"start":225.55501,"end":231.18001},{"sentences":[{"text":"Yeah.","start":231.14,"end":231.64,"sentiment":"neutral","sentiment_score":0.011387095786631107}],"sentiment":"neutral","sentiment_score":0.011387095786631107,"channel":1,"num_words":1,"start":231.14,"end":231.64},{"sentences":[{"text":"had you on as part time.","start":231.18001,"end":232.62001,"sentiment":"neutral","sentiment_score":-0.0038839328723649182},{"text":"So with","start":232.62001,"end":233.34001,"sentiment":"neutral","sentiment_score":-0.00024349987506866433}],"sentiment":"neutral","sentiment_score":-0.002973824623040855,"channel":0,"num_words":8,"start":231.18001,"end":233.34001},{"sentences":[{"text":"Yeah.","start":233.285,"end":233.785,"sentiment":"neutral","sentiment_score":-0.021671239286661148}],"sentiment":"neutral","sentiment_score":-0.021671239286661148,"channel":1,"num_words":1,"start":233.285,"end":233.785},{"sentences":[{"text":"a bit of extra hours here and there, it kind of floats between the two.","start":233.34001,"end":236.56001,"sentiment":"neutral","sentiment_score":-0.1651803861061732}],"sentiment":"neutral","sentiment_score":-0.1651803861061732,"channel":0,"num_words":15,"start":233.34001,"end":236.56001},{"sentences":[{"text":"Yep.","start":236.645,"end":237.145,"sentiment":"neutral","sentiment_score":-0.014447366818785667},{"text":"Just a holiday pay, unfortunately.","start":237.60501,"end":239.225,"sentiment":"neutral","sentiment_score":-0.09333735108375549},{"text":"But anyway","start":239.60501,"end":240.425,"sentiment":"neutral","sentiment_score":-0.05268057622015476}],"sentiment":"neutral","sentiment_score":-0.07331190933473408,"channel":1,"num_words":8,"start":236.645,"end":240.425},{"sentences":[{"text":"Yeah.","start":240.07501,"end":240.315,"sentiment":"neutral","sentiment_score":-0.06400921195745468},{"text":"No.","start":240.315,"end":240.815,"sentiment":"neutral","sentiment_score":-0.2918426990509033},{"text":"That's","start":240.875,"end":241.35501,"sentiment":"negative","sentiment_score":-0.3674326539039612}],"sentiment":"neutral","sentiment_score":-0.24109485497077307,"channel":0,"num_words":3,"start":240.07501,"end":241.35501},{"sentences":[{"text":"yeah.","start":240.96501,"end":241.46501,"sentiment":"negative","sentiment_score":-0.4571453928947449}],"sentiment":"negative","sentiment_score":-0.4571453928947449,"channel":1,"num_words":1,"start":240.96501,"end":241.46501},{"sentences":[{"text":"painful.","start":241.35501,"end":241.85501,"sentiment":"negative","sentiment_score":-0.39562177658081055}],"sentiment":"negative","sentiment_score":-0.39562177658081055,"channel":0,"num_words":1,"start":241.35501,"end":241.85501},{"sentences":[{"text":"Yeah.","start":242.645,"end":243.145,"sentiment":"neutral","sentiment_score":-0.18722444772720337}],"sentiment":"neutral","sentiment_score":-0.18722444772720337,"channel":1,"num_words":1,"start":242.645,"end":243.145},{"sentences":[{"text":"The the loading is supposed to help with that, but it often doesn't.","start":242.79501,"end":245.77501,"sentiment":"neutral","sentiment_score":-0.1881101429462433}],"sentiment":"neutral","sentiment_score":-0.1881101429462433,"channel":0,"num_words":13,"start":242.79501,"end":245.77501},{"sentences":[{"text":"Mm-mm.","start":246.005,"end":246.505,"sentiment":"neutral","sentiment_score":-0.027278512716293335},{"text":"No.","start":247.125,"end":247.625,"sentiment":"neutral","sentiment_score":-0.06658422946929932}],"sentiment":"neutral","sentiment_score":-0.046931371092796326,"channel":1,"num_words":2,"start":246.005,"end":247.625},{"sentences":[{"text":"Okay.","start":248.235,"end":248.71501,"sentiment":"neutral","sentiment_score":-0.032715365290641785}],"sentiment":"neutral","sentiment_score":-0.032715365290641785,"channel":0,"num_words":1,"start":248.235,"end":248.71501},{"sentences":[{"text":"But anyway","start":248.37001,"end":248.93001,"sentiment":"neutral","sentiment_score":-0.01675947941839695}],"sentiment":"neutral","sentiment_score":-0.01675947941839695,"channel":1,"num_words":2,"start":248.37001,"end":248.93001},{"sentences":[{"text":"And","start":248.71501,"end":249.21501,"sentiment":"neutral","sentiment_score":-0.011098980903625488}],"sentiment":"neutral","sentiment_score":-0.011098980903625488,"channel":0,"num_words":1,"start":248.71501,"end":249.21501},{"sentences":[{"text":"so, yeah, that's the main thing that's changed for me.","start":249.01001,"end":251.81,"sentiment":"neutral","sentiment_score":-0.011006044410169124}],"sentiment":"neutral","sentiment_score":-0.011006044410169124,"channel":1,"num_words":10,"start":249.01001,"end":251.81},{"sentences":[{"text":"okay.","start":251.515,"end":252.015,"sentiment":"neutral","sentiment_score":0.017924714833498}],"sentiment":"neutral","sentiment_score":0.017924714833498,"channel":0,"num_words":1,"start":251.515,"end":252.015},{"sentences":[{"text":"So","start":251.81,"end":252.31,"sentiment":"neutral","sentiment_score":0.006653910502791405}],"sentiment":"neutral","sentiment_score":0.006653910502791405,"channel":1,"num_words":1,"start":251.81,"end":252.31},{"sentences":[{"text":"Is it a different","start":252.07501,"end":252.875,"sentiment":"neutral","sentiment_score":0.0061693210154771805}],"sentiment":"neutral","sentiment_score":0.0061693210154771805,"channel":0,"num_words":4,"start":252.07501,"end":252.875},{"sentences":[{"text":"yes.","start":252.69,"end":253.19,"sentiment":"neutral","sentiment_score":0.008965636603534222}],"sentiment":"neutral","sentiment_score":0.008965636603534222,"channel":1,"num_words":1,"start":252.69,"end":253.19},{"sentences":[{"text":"role from pharmacy assistant?","start":252.875,"end":254.41501,"sentiment":"neutral","sentiment_score":0.002757539157755673}],"sentiment":"neutral","sentiment_score":0.002757539157755673,"channel":0,"num_words":4,"start":252.875,"end":254.41501},{"sentences":[{"text":"Yes.","start":254.93001,"end":255.33,"sentiment":"neutral","sentiment_score":0.024478860199451447},{"text":"I'm now a medical receptionist.","start":255.33,"end":256.79,"sentiment":"neutral","sentiment_score":0.028620635345578193}],"sentiment":"neutral","sentiment_score":0.027930339487890404,"channel":1,"num_words":6,"start":254.93001,"end":256.79},{"sentences":[{"text":"Yep.","start":257.6,"end":257.84,"sentiment":"neutral","sentiment_score":0.03968898206949234},{"text":"Medical receptionist.","start":257.84,"end":258.98,"sentiment":"neutral","sentiment_score":0.023398459888994694},{"text":"And who's that for?","start":259.04,"end":260.26,"sentiment":"neutral","sentiment_score":0.021890610456466675}],"sentiment":"neutral","sentiment_score":0.024864049096192633,"channel":0,"num_words":7,"start":257.6,"end":260.26},{"sentences":[{"text":"So Trinity Medical Center in Port Adelaide.","start":260.735,"end":264.035,"sentiment":"neutral","sentiment_score":0.037130728630082946}],"sentiment":"neutral","sentiment_score":0.037130728630082946,"channel":1,"num_words":7,"start":260.735,"end":264.035},{"sentences":[{"text":"In Port Adelaide.","start":265.2,"end":266.34,"sentiment":"neutral","sentiment_score":0.041857543090979256},{"text":"Thank you so much for that.","start":266.48,"end":268.02,"sentiment":"positive","sentiment_score":0.6333684325218201},{"text":"And would you still say that your your main focus at the moment is just kind of paying down the mortgage?","start":268.08,"end":273.375,"sentiment":"neutral","sentiment_score":0.19805961705389477},{"text":"Because the main thing we have for every year for you was just getting that mortgage","start":273.375,"end":277.05502,"sentiment":"neutral","sentiment_score":0.11303847236558795}],"sentiment":"neutral","sentiment_score":0.21507936392141425,"channel":0,"num_words":46,"start":265.2,"end":277.05502},{"sentences":[{"text":"Yeah.","start":276.90002,"end":277.40002,"sentiment":"neutral","sentiment_score":0.12273485958576202}],"sentiment":"neutral","sentiment_score":0.12273485958576202,"channel":1,"num_words":1,"start":276.90002,"end":277.40002},{"sentences":[{"text":"finalized.","start":277.05502,"end":277.55502,"sentiment":"neutral","sentiment_score":0.16165123879909515}],"sentiment":"neutral","sentiment_score":0.16165123879909515,"channel":0,"num_words":1,"start":277.05502,"end":277.55502},{"sentences":[{"text":"Yeah.","start":278.1,"end":278.42,"sentiment":"neutral","sentiment_score":0.13066516816616058},{"text":"Yeah.","start":278.42,"end":278.92,"sentiment":"neutral","sentiment_score":0.17162367701530457},{"text":"Definitely.","start":279.54,"end":280.04,"sentiment":"neutral","sentiment_score":0.22742049396038055}],"sentiment":"neutral","sentiment_score":0.17656977971394858,"channel":1,"num_words":3,"start":278.1,"end":280.04},{"sentences":[{"text":"And how are you guys going with that?","start":279.77502,"end":281.61,"sentiment":"neutral","sentiment_score":0.19345881417393684}],"sentiment":"neutral","sentiment_score":0.19345881417393684,"channel":0,"num_words":8,"start":279.77502,"end":281.61},{"sentences":[{"text":"I'm just gonna have a look now.","start":282.02002,"end":283.46002,"sentiment":"neutral","sentiment_score":0.10997172870806285},{"text":"So we did refit it was restructure.","start":283.46002,"end":286.76,"sentiment":"neutral","sentiment_score":0.08517029881477356},{"text":"So we","start":287.595,"end":288.075,"sentiment":"neutral","sentiment_score":0.0740191601216793}],"sentiment":"neutral","sentiment_score":0.09462703205645084,"channel":1,"num_words":16,"start":282.02002,"end":288.075},{"sentences":[{"text":"Yep.","start":287.84998,"end":288.34998,"sentiment":"neutral","sentiment_score":0.0746595561504364}],"sentiment":"neutral","sentiment_score":0.0746595561504364,"channel":0,"num_words":1,"start":287.84998,"end":288.34998},{"sentences":[{"text":"did have the loans split over two banks.","start":288.075,"end":290.975,"sentiment":"neutral","sentiment_score":0.04635290941223502},{"text":"Now we have it just in one.","start":291.67502,"end":293.535,"sentiment":"neutral","sentiment_score":0.04110859653779438},{"text":"So I'm just having","start":294.795,"end":296.155,"sentiment":"neutral","sentiment_score":0.03894485626369715}],"sentiment":"neutral","sentiment_score":0.042861204006169974,"channel":1,"num_words":19,"start":288.075,"end":296.155},{"sentences":[{"text":"Okay.","start":295.945,"end":296.445,"sentiment":"neutral","sentiment_score":0.047987744212150574}],"sentiment":"neutral","sentiment_score":0.047987744212150574,"channel":0,"num_words":1,"start":295.945,"end":296.445},{"sentences":[{"text":"a quick look now.","start":296.155,"end":297.295,"sentiment":"neutral","sentiment_score":0.05919581465423107}],"sentiment":"neutral","sentiment_score":0.05919581465423107,"channel":1,"num_words":4,"start":296.155,"end":297.295},{"sentences":[{"text":"No worries.","start":298.185,"end":298.925,"sentiment":"neutral","sentiment_score":0.05266542360186577}],"sentiment":"neutral","sentiment_score":0.05266542360186577,"channel":0,"num_words":2,"start":298.185,"end":298.925},{"sentences":[{"text":"Just bringing that up.","start":298.475,"end":299.67,"sentiment":"neutral","sentiment_score":0.02864793874323368},{"text":"Alright.","start":300.95,"end":301.45,"sentiment":"neutral","sentiment_score":0.05198237299919128},{"text":"So I need to work out which one's which.","start":301.75,"end":305.83002,"sentiment":"neutral","sentiment_score":0.02500297532727321},{"text":"Oh, yep.","start":305.83002,"end":306.15002,"sentiment":"neutral","sentiment_score":0.026271839626133442},{"text":"There we go.","start":306.15002,"end":306.87003,"sentiment":"neutral","sentiment_score":0.025540849193930626}],"sentiment":"neutral","sentiment_score":0.027408796460612825,"channel":1,"num_words":19,"start":298.475,"end":306.87003},{"sentences":[{"text":"So on our main residence, we owe 278,000.","start":306.87003,"end":312.97,"sentiment":"neutral","sentiment_score":0.024035342154093087}],"sentiment":"neutral","sentiment_score":0.024035342154093087,"channel":1,"num_words":8,"start":306.87003,"end":312.97},{"sentences":[{"text":"270.","start":313.80002,"end":314.92,"sentiment":"neutral","sentiment_score":0.058622971177101135},{"text":"That's pretty good.","start":314.92,"end":315.56003,"sentiment":"positive","sentiment_score":0.35175763567288715},{"text":"I think last check we have was about $3.73, so that's going down pretty nicely.","start":315.56003,"end":319.58002,"sentiment":"neutral","sentiment_score":0.18607211808363597}],"sentiment":"neutral","sentiment_score":0.20552513944475273,"channel":0,"num_words":19,"start":313.80002,"end":319.58002},{"sentences":[{"text":"Yep.","start":319.35498,"end":319.85498,"sentiment":"neutral","sentiment_score":0.06983507424592972},{"text":"Mhmm.","start":320.395,"end":320.63498,"sentiment":"neutral","sentiment_score":0.043868646025657654},{"text":"And then on the investment property, it's 595.","start":320.63498,"end":327.375,"sentiment":"neutral","sentiment_score":0.03728382755070925}],"sentiment":"neutral","sentiment_score":0.041197434067726135,"channel":1,"num_words":10,"start":319.35498,"end":327.375},{"sentences":[{"text":"Yep.","start":327.73502,"end":328.23502,"sentiment":"neutral","sentiment_score":0.13120883703231812},{"text":"Perfect.","start":328.295,"end":328.795,"sentiment":"neutral","sentiment_score":0.23285417258739471},{"text":"595,000.","start":329.575,"end":331.275,"sentiment":"neutral","sentiment_score":0.1064027100801468},{"text":"Now","start":331.495,"end":331.995,"sentiment":"neutral","sentiment_score":0.08512844890356064}],"sentiment":"neutral","sentiment_score":0.13889854215085506,"channel":0,"num_words":4,"start":327.73502,"end":331.995},{"sentences":[{"text":"Yep.","start":331.5,"end":331.82,"sentiment":"neutral","sentiment_score":0.04808051139116287},{"text":"Yeah.","start":331.82,"end":332.32,"sentiment":"neutral","sentiment_score":0.03921893239021301}],"sentiment":"neutral","sentiment_score":0.04364972189068794,"channel":1,"num_words":2,"start":331.5,"end":332.32},{"sentences":[{"text":"do you have a bit of an estimate on the investment property's value now?","start":332.94,"end":336.06,"sentiment":"neutral","sentiment_score":0.01671848605786051},{"text":"Because I know property market's been all over","start":336.06,"end":338.14,"sentiment":"neutral","sentiment_score":-0.023730522487312555}],"sentiment":"neutral","sentiment_score":0.0020097556777975774,"channel":0,"num_words":22,"start":332.94,"end":338.14},{"sentences":[{"text":"Yeah.","start":337.98,"end":338.48,"sentiment":"neutral","sentiment_score":-0.013113722205162048}],"sentiment":"neutral","sentiment_score":-0.013113722205162048,"channel":1,"num_words":1,"start":337.98,"end":338.48},{"sentences":[{"text":"the place.","start":338.14,"end":338.8,"sentiment":"neutral","sentiment_score":-0.017979860305786133}],"sentiment":"neutral","sentiment_score":-0.017979860305786133,"channel":0,"num_words":2,"start":338.14,"end":338.8},{"sentences":[{"text":"Yeah.","start":338.86002,"end":339.36002,"sentiment":"neutral","sentiment_score":-0.001440633088350296},{"text":"So I think it was 70 $7.91, I think, the last I checked.","start":339.58002,"end":345.20502,"sentiment":"neutral","sentiment_score":-0.0068562686300048465},{"text":"I mean, that is just going off of realestate.com.","start":345.425,"end":350.385,"sentiment":"neutral","sentiment_score":-0.027694459797607526},{"text":"But yeah.","start":350.385,"end":351.425,"sentiment":"neutral","sentiment_score":-0.08459853008389473},{"text":"I mean, that's always a bit tricky.","start":351.425,"end":353.025,"sentiment":"neutral","sentiment_score":-0.1795634925365448}],"sentiment":"neutral","sentiment_score":-0.05518636785564013,"channel":1,"num_words":32,"start":338.86002,"end":353.025},{"sentences":[{"text":"We haven't had it valued, I guess, since we bought it maybe.","start":353.025,"end":356.96,"sentiment":"neutral","sentiment_score":-0.1301688856134812},{"text":"I'm I'm not sure.","start":356.96,"end":357.94,"sentiment":"neutral","sentiment_score":-0.07340764719992876},{"text":"But yeah.","start":358.47998,"end":358.88,"sentiment":"neutral","sentiment_score":-0.040183624252676964}],"sentiment":"neutral","sentiment_score":-0.10755691470371352,"channel":1,"num_words":18,"start":353.025,"end":358.88},{"sentences":[{"text":"Yeah.","start":358.73,"end":358.97,"sentiment":"neutral","sentiment_score":-0.008865851908922195}],"sentiment":"neutral","sentiment_score":-0.008865851908922195,"channel":0,"num_words":1,"start":358.73,"end":358.97},{"sentences":[{"text":"7","start":358.88,"end":359.19998,"sentiment":"neutral","sentiment_score":-0.003319369163364172}],"sentiment":"neutral","sentiment_score":-0.003319369163364172,"channel":1,"num_words":1,"start":358.88,"end":359.19998},{"sentences":[{"text":"Yeah.","start":358.97,"end":359.47,"sentiment":"neutral","sentiment_score":-0.000215290579944849}],"sentiment":"neutral","sentiment_score":-0.000215290579944849,"channel":0,"num_words":1,"start":358.97,"end":359.47},{"sentences":[{"text":"91 is what they're estimating it as.","start":359.19998,"end":363.3,"sentiment":"neutral","sentiment_score":0.004282578759427581}],"sentiment":"neutral","sentiment_score":0.004282578759427581,"channel":1,"num_words":7,"start":359.19998,"end":363.3},{"sentences":[{"text":"Okay.","start":363.77,"end":364.09,"sentiment":"neutral","sentiment_score":0.026798350736498833},{"text":"And I was having a look at the the main residence, and a bit of Google was saying it could even be estimated at about 1,300,000.","start":364.09,"end":370.83,"sentiment":"neutral","sentiment_score":0.032499861115446456}],"sentiment":"neutral","sentiment_score":0.032288694064374325,"channel":0,"num_words":27,"start":363.77,"end":370.83},{"sentences":[{"text":"Yep.","start":371.375,"end":371.875,"sentiment":"neutral","sentiment_score":0.12820324301719666}],"sentiment":"neutral","sentiment_score":0.12820324301719666,"channel":1,"num_words":1,"start":371.375,"end":371.875},{"sentences":[{"text":"Wow.","start":372.725,"end":373.225,"sentiment":"positive","sentiment_score":0.4845126569271088},{"text":"That's amazing.","start":373.365,"end":374.32498,"sentiment":"positive","sentiment_score":0.7032381594181061},{"text":"I think we had an early, early estimate towards the beginning of about 700,000, so it's close to doubled the last","start":374.32498,"end":380.165,"sentiment":"neutral","sentiment_score":0.284788789493697}],"sentiment":"neutral","sentiment_score":0.3279813981304566,"channel":0,"num_words":24,"start":372.725,"end":380.165},{"sentences":[{"text":"Yeah.","start":380.095,"end":380.575,"sentiment":"neutral","sentiment_score":0.09603096544742584}],"sentiment":"neutral","sentiment_score":0.09603096544742584,"channel":1,"num_words":1,"start":380.095,"end":380.575},{"sentences":[{"text":"sort of four","start":380.165,"end":380.645,"sentiment":"neutral","sentiment_score":0.034659240394830704}],"sentiment":"neutral","sentiment_score":0.034659240394830704,"channel":0,"num_words":3,"start":380.165,"end":380.645},{"sentences":[{"text":"Yeah.","start":380.575,"end":381.075,"sentiment":"neutral","sentiment_score":0.03707452118396759}],"sentiment":"neutral","sentiment_score":0.03707452118396759,"channel":1,"num_words":1,"start":380.575,"end":381.075},{"sentences":[{"text":"or five years.","start":380.645,"end":381.54498,"sentiment":"neutral","sentiment_score":0.04786608678599199}],"sentiment":"neutral","sentiment_score":0.04786608678599199,"channel":0,"num_words":3,"start":380.645,"end":381.54498},{"sentences":[{"text":"Yes.","start":381.855,"end":382.32,"sentiment":"neutral","sentiment_score":0.12316592037677764},{"text":"Yep.","start":382.56,"end":383.06,"sentiment":"neutral","sentiment_score":0.1764739751815796}],"sentiment":"neutral","sentiment_score":0.14981994777917862,"channel":1,"num_words":2,"start":381.855,"end":383.06},{"sentences":[{"text":"Amazing.","start":383.94,"end":384.42,"sentiment":"positive","sentiment_score":0.43568071722984314},{"text":"So equity everywhere, that must be","start":384.42,"end":386.26,"sentiment":"neutral","sentiment_score":0.2550595725576083}],"sentiment":"neutral","sentiment_score":0.2808625932250704,"channel":0,"num_words":7,"start":383.94,"end":386.26},{"sentences":[{"text":"Yes.","start":386.24002,"end":386.74002,"sentiment":"neutral","sentiment_score":0.2824803292751312}],"sentiment":"neutral","sentiment_score":0.2824803292751312,"channel":1,"num_words":1,"start":386.24002,"end":386.74002},{"sentences":[{"text":"nice.","start":386.26,"end":386.76,"sentiment":"positive","sentiment_score":0.5087133646011353}],"sentiment":"positive","sentiment_score":0.5087133646011353,"channel":0,"num_words":1,"start":386.26,"end":386.76},{"sentences":[{"text":"Yeah.","start":386.96002,"end":387.28,"sentiment":"positive","sentiment_score":0.4050358533859253},{"text":"That part is good.","start":387.28,"end":388.32,"sentiment":"positive","sentiment_score":0.5311560332775116},{"text":"Mhmm.","start":388.32,"end":388.82,"sentiment":"neutral","sentiment_score":0.07730110734701157}],"sentiment":"positive","sentiment_score":0.4344935156404972,"channel":1,"num_words":6,"start":386.96002,"end":388.82},{"sentences":[{"text":"Whether it translates to something a bit tangible down the line, hopefully, that can come into play a little bit.","start":388.90002,"end":393.80002,"sentiment":"neutral","sentiment_score":0.05789335919544101}],"sentiment":"neutral","sentiment_score":0.05789335919544101,"channel":0,"num_words":20,"start":388.90002,"end":393.80002},{"sentences":[{"text":"Yeah.","start":394.32,"end":394.72,"sentiment":"neutral","sentiment_score":0.004820187576115131},{"text":"Well, we're planning on selling the investment property because the way it was structured when we bought it probably wasn't the right way to do it in that we did it fifty fifty.","start":394.72,"end":406.60498,"sentiment":"neutral","sentiment_score":-0.0982012649941625},{"text":"And","start":407.305,"end":407.625,"sentiment":"neutral","sentiment_score":-0.031026270240545273}],"sentiment":"neutral","sentiment_score":-0.09333850935633693,"channel":1,"num_words":35,"start":394.32,"end":407.625},{"sentences":[{"text":"Uh-huh.","start":407.49002,"end":407.99002,"sentiment":"neutral","sentiment_score":-0.04063364863395691}],"sentiment":"neutral","sentiment_score":-0.04063364863395691,"channel":0,"num_words":1,"start":407.49002,"end":407.99002},{"sentences":[{"text":"so I don't actually get any tax benefits because I don't earn","start":407.625,"end":411.225,"sentiment":"neutral","sentiment_score":-0.13830367599924406}],"sentiment":"neutral","sentiment_score":-0.13830367599924406,"channel":1,"num_words":12,"start":407.625,"end":411.225},{"sentences":[{"text":"Oh,","start":411.09,"end":411.25,"sentiment":"neutral","sentiment_score":-0.08978870511054993}],"sentiment":"neutral","sentiment_score":-0.08978870511054993,"channel":0,"num_words":1,"start":411.09,"end":411.25},{"sentences":[{"text":"enough.","start":411.225,"end":411.725,"sentiment":"neutral","sentiment_score":-0.07846560329198837}],"sentiment":"neutral","sentiment_score":-0.07846560329198837,"channel":1,"num_words":1,"start":411.225,"end":411.725},{"sentences":[{"text":"no.","start":411.25,"end":411.75,"sentiment":"neutral","sentiment_score":-0.11271648854017258}],"sentiment":"neutral","sentiment_score":-0.11271648854017258,"channel":0,"num_words":1,"start":411.25,"end":411.75},{"sentences":[{"text":"So yeah.","start":412.49002,"end":413.87003,"sentiment":"neutral","sentiment_score":-0.08584622666239738},{"text":"That's something we need to work out as well.","start":414.49002,"end":416.89,"sentiment":"neutral","sentiment_score":-0.10132432811790043},{"text":"But","start":416.89,"end":417.39,"sentiment":"neutral","sentiment_score":-0.03302336856722832}],"sentiment":"neutral","sentiment_score":-0.09305289791276057,"channel":1,"num_words":12,"start":412.49002,"end":417.39},{"sentences":[{"text":"Okay.","start":418.05002,"end":418.55002,"sentiment":"neutral","sentiment_score":-0.024900035932660103},{"text":"Yeah.","start":419.26498,"end":419.505,"sentiment":"neutral","sentiment_score":-0.05565835535526275},{"text":"That's never fun, especially when you've got I mean, is the rental okay on that","start":419.505,"end":424.705,"sentiment":"neutral","sentiment_score":-0.14829345891873041}],"sentiment":"neutral","sentiment_score":-0.13558589853346348,"channel":0,"num_words":17,"start":418.05002,"end":424.705},{"sentences":[{"text":"oh, yeah.","start":424.57,"end":424.89,"sentiment":"neutral","sentiment_score":-0.06275597587227821}],"sentiment":"neutral","sentiment_score":-0.06275597587227821,"channel":1,"num_words":2,"start":424.57,"end":424.89},{"sentences":[{"text":"property?","start":424.705,"end":425.205,"sentiment":"neutral","sentiment_score":-0.061989493668079376}],"sentiment":"neutral","sentiment_score":-0.061989493668079376,"channel":0,"num_words":1,"start":424.705,"end":425.205},{"sentences":[{"text":"Yeah.","start":424.89,"end":425.21002,"sentiment":"neutral","sentiment_score":-0.04815332219004631},{"text":"Like, that's steady as yeah.","start":425.21002,"end":427.39,"sentiment":"neutral","sentiment_score":-0.021573568508028985},{"text":"They pay the rent.","start":428.625,"end":429.76498,"sentiment":"neutral","sentiment_score":-0.034282428212463856},{"text":"They don't.","start":429.985,"end":430.645,"sentiment":"neutral","sentiment_score":-0.07813239842653275},{"text":"But, yeah, it just means trying to, I guess, sell and then rebuy in this market.","start":432.305,"end":436.645,"sentiment":"neutral","sentiment_score":-0.07901279954239726}],"sentiment":"neutral","sentiment_score":-0.061200730968266726,"channel":1,"num_words":28,"start":424.89,"end":436.645},{"sentences":[{"text":"Mhmm.","start":436.78497,"end":437.28497,"sentiment":"neutral","sentiment_score":-0.029275065287947655}],"sentiment":"neutral","sentiment_score":-0.029275065287947655,"channel":1,"num_words":1,"start":436.78497,"end":437.28497},{"sentences":[{"text":"Yeah.","start":437.52002,"end":438.02002,"sentiment":"neutral","sentiment_score":-0.03955090045928955},{"text":"That's","start":438.16,"end":438.48,"sentiment":"neutral","sentiment_score":-0.06905317306518555}],"sentiment":"neutral","sentiment_score":-0.05430203676223755,"channel":0,"num_words":2,"start":437.52002,"end":438.48},{"sentences":[{"text":"Yeah.","start":438.305,"end":438.705,"sentiment":"neutral","sentiment_score":-0.0834643766283989}],"sentiment":"neutral","sentiment_score":-0.0834643766283989,"channel":1,"num_words":1,"start":438.305,"end":438.705},{"sentences":[{"text":"a tricky","start":438.48,"end":438.96002,"sentiment":"neutral","sentiment_score":-0.15986104309558868}],"sentiment":"neutral","sentiment_score":-0.15986104309558868,"channel":0,"num_words":2,"start":438.48,"end":438.96002},{"sentences":[{"text":"And to","start":438.705,"end":439.44498,"sentiment":"neutral","sentiment_score":-0.1511671245098114}],"sentiment":"neutral","sentiment_score":-0.1511671245098114,"channel":1,"num_words":2,"start":438.705,"end":439.44498},{"sentences":[{"text":"one.","start":438.96002,"end":439.46002,"sentiment":"neutral","sentiment_score":-0.1596519947052002}],"sentiment":"neutral","sentiment_score":-0.1596519947052002,"channel":0,"num_words":1,"start":438.96002,"end":439.46002},{"sentences":[{"text":"it is.","start":439.66498,"end":440.31,"sentiment":"neutral","sentiment_score":-0.13915825635194778},{"text":"And to do it, so I think get the best benefit, my husband was saying we should probably buy something brand new and then essentially put it in his name, which I'm comfortable doing.","start":440.38998,"end":451.35,"sentiment":"neutral","sentiment_score":-0.012934479259831063},{"text":"Like, I don't have any problems there, but, yeah, I","start":451.35,"end":455.29498,"sentiment":"neutral","sentiment_score":0.0034378023818135263}],"sentiment":"neutral","sentiment_score":-0.01486327790695688,"channel":1,"num_words":46,"start":439.66498,"end":455.29498},{"sentences":[{"text":"Yeah.","start":455.13498,"end":455.63498,"sentiment":"neutral","sentiment_score":0.02362060546875}],"sentiment":"neutral","sentiment_score":0.02362060546875,"channel":0,"num_words":1,"start":455.13498,"end":455.63498},{"sentences":[{"text":"guess it's just yes.","start":455.29498,"end":456.675,"sentiment":"neutral","sentiment_score":0.060854763723909855},{"text":"It's","start":458.01498,"end":458.255,"sentiment":"neutral","sentiment_score":0.11716990172863008}],"sentiment":"neutral","sentiment_score":0.0721177913248539,"channel":1,"num_words":5,"start":455.29498,"end":458.255},{"sentences":[{"text":"And","start":458.24002,"end":458.48,"sentiment":"neutral","sentiment_score":0.19729234278202057}],"sentiment":"neutral","sentiment_score":0.19729234278202057,"channel":0,"num_words":1,"start":458.24002,"end":458.48},{"sentences":[{"text":"nice","start":458.255,"end":458.57498,"sentiment":"neutral","sentiment_score":0.2958025336265564}],"sentiment":"neutral","sentiment_score":0.2958025336265564,"channel":1,"num_words":1,"start":458.255,"end":458.57498},{"sentences":[{"text":"with","start":458.48,"end":458.98,"sentiment":"neutral","sentiment_score":0.2521665096282959}],"sentiment":"neutral","sentiment_score":0.2521665096282959,"channel":0,"num_words":1,"start":458.48,"end":458.98},{"sentences":[{"text":"to think","start":458.57498,"end":459.615,"sentiment":"neutral","sentiment_score":0.26494699716567993}],"sentiment":"neutral","sentiment_score":0.26494699716567993,"channel":1,"num_words":2,"start":458.57498,"end":459.615},{"sentences":[{"text":"the","start":459.44,"end":459.68002,"sentiment":"neutral","sentiment_score":0.31136375665664673}],"sentiment":"neutral","sentiment_score":0.31136375665664673,"channel":0,"num_words":1,"start":459.44,"end":459.68002},{"sentences":[{"text":"that.","start":459.615,"end":460.115,"sentiment":"neutral","sentiment_score":0.27586275339126587}],"sentiment":"neutral","sentiment_score":0.27586275339126587,"channel":1,"num_words":1,"start":459.615,"end":460.115},{"sentences":[{"text":"rental side of things, are they paying a a good $7.50,","start":459.68002,"end":463.04,"sentiment":"neutral","sentiment_score":0.02749205685474656}],"sentiment":"neutral","sentiment_score":0.02749205685474656,"channel":0,"num_words":11,"start":459.68002,"end":463.04},{"sentences":[{"text":"Mhmm.","start":462.97498,"end":463.47498,"sentiment":"neutral","sentiment_score":0.016390478238463402}],"sentiment":"neutral","sentiment_score":0.016390478238463402,"channel":1,"num_words":1,"start":462.97498,"end":463.47498},{"sentences":[{"text":"800 a week, or what's the the average?","start":463.04,"end":465.38,"sentiment":"neutral","sentiment_score":0.0014154109230730683}],"sentiment":"neutral","sentiment_score":0.0014154109230730683,"channel":0,"num_words":8,"start":463.04,"end":465.38},{"sentences":[{"text":"Okay.","start":466.335,"end":466.655,"sentiment":"neutral","sentiment_score":0.016606664285063744},{"text":"I'm just double checking that.","start":466.655,"end":468.01498,"sentiment":"neutral","sentiment_score":0.007735584303736687},{"text":"I think it was, like, $6.80, but I'm not sure.","start":468.01498,"end":470.89,"sentiment":"neutral","sentiment_score":-0.02443712494439549},{"text":"Are you there?","start":470.89,"end":471.63,"sentiment":"neutral","sentiment_score":-0.05074602738022804}],"sentiment":"neutral","sentiment_score":-0.017604867824249797,"channel":1,"num_words":19,"start":466.335,"end":471.63},{"sentences":[{"text":"Yep.","start":471.85498,"end":472.335,"sentiment":"neutral","sentiment_score":-0.0002325506357010454},{"text":"Still","start":472.335,"end":472.57498,"sentiment":"neutral","sentiment_score":-0.015250660479068756}],"sentiment":"neutral","sentiment_score":-0.007741605557384901,"channel":0,"num_words":2,"start":471.85498,"end":472.57498},{"sentences":[{"text":"So","start":472.41,"end":472.91,"sentiment":"neutral","sentiment_score":-0.00409812293946743}],"sentiment":"neutral","sentiment_score":-0.00409812293946743,"channel":1,"num_words":1,"start":472.41,"end":472.91},{"sentences":[{"text":"here.","start":472.57498,"end":473.07498,"sentiment":"neutral","sentiment_score":0.003350568935275078}],"sentiment":"neutral","sentiment_score":0.003350568935275078,"channel":0,"num_words":1,"start":472.57498,"end":473.07498},{"sentences":[{"text":"I thought I might have muted you while I was looking at things.","start":473.05002,"end":477.23,"sentiment":"neutral","sentiment_score":-0.04891145816789223},{"text":"If I go into there, then go.","start":477.85,"end":482.67,"sentiment":"neutral","sentiment_score":-0.019550233547176634},{"text":"Yeah.","start":491.155,"end":491.475,"sentiment":"neutral","sentiment_score":0.0036013033241033554},{"text":"So off off the top of my head, I think it's $6.80.","start":491.475,"end":494.055,"sentiment":"neutral","sentiment_score":-0.0016532255394849926},{"text":"So","start":495.635,"end":495.875,"sentiment":"neutral","sentiment_score":0.006381252780556679}],"sentiment":"neutral","sentiment_score":-0.023016374746529275,"channel":1,"num_words":34,"start":473.05002,"end":495.875},{"sentences":[{"text":"$6.80.","start":495.645,"end":496.705,"sentiment":"neutral","sentiment_score":0.012190114706754684}],"sentiment":"neutral","sentiment_score":0.012190114706754684,"channel":0,"num_words":1,"start":495.645,"end":496.705},{"sentences":[{"text":"yeah.","start":497.155,"end":497.655,"sentiment":"neutral","sentiment_score":0.008975712582468987},{"text":"Just having a quick look if I can find it.","start":497.875,"end":501.34,"sentiment":"neutral","sentiment_score":-0.03909693825989961},{"text":"Too many emails I need to I need to delete.","start":512.51996,"end":516.15497,"sentiment":"negative","sentiment_score":-0.37545518279075624}],"sentiment":"neutral","sentiment_score":-0.19697835704400427,"channel":1,"num_words":21,"start":497.155,"end":516.15497},{"sentences":[{"text":"Yeah.","start":516.875,"end":517.195,"sentiment":"neutral","sentiment_score":-0.10189538449048996}],"sentiment":"neutral","sentiment_score":-0.10189538449048996,"channel":0,"num_words":1,"start":516.875,"end":517.195},{"sentences":[{"text":"And","start":516.935,"end":517.435,"sentiment":"neutral","sentiment_score":-0.12618868052959442}],"sentiment":"neutral","sentiment_score":-0.12618868052959442,"channel":1,"num_words":1,"start":516.935,"end":517.435},{"sentences":[{"text":"And I'm I've got all those email chains.","start":517.195,"end":519.195,"sentiment":"neutral","sentiment_score":-0.15899084322154522},{"text":"I have 24 replies with three, four different people, and it's a bit","start":519.195,"end":522.395,"sentiment":"neutral","sentiment_score":-0.2040057789820891}],"sentiment":"neutral","sentiment_score":-0.18685723202569143,"channel":0,"num_words":21,"start":517.195,"end":522.395},{"sentences":[{"text":"yes.","start":522.375,"end":522.875,"sentiment":"neutral","sentiment_score":-0.2073085606098175}],"sentiment":"neutral","sentiment_score":-0.2073085606098175,"channel":1,"num_words":1,"start":522.375,"end":522.875},{"sentences":[{"text":"bit hard to try.","start":522.395,"end":523.53503,"sentiment":"neutral","sentiment_score":-0.2966891750693321}],"sentiment":"neutral","sentiment_score":-0.2966891750693321,"channel":0,"num_words":4,"start":522.395,"end":523.53503},{"sentences":[{"text":"Yeah.","start":524.055,"end":524.555,"sentiment":"neutral","sentiment_score":0.023003531619906425},{"text":"I'm I'm fine.","start":525.085,"end":525.995,"sentiment":"neutral","sentiment_score":0.09317977850635846},{"text":"Yeah.","start":533.17,"end":533.67,"sentiment":"neutral","sentiment_score":0.07667091488838196},{"text":"Anyway, I can keep looking while you're talking.","start":533.97,"end":537.19,"sentiment":"neutral","sentiment_score":0.05581989977508783}],"sentiment":"neutral","sentiment_score":0.06352099847908203,"channel":1,"num_words":13,"start":524.055,"end":537.19},{"sentences":[{"text":"No.","start":537.61,"end":537.76996,"sentiment":"neutral","sentiment_score":-0.053092680871486664},{"text":"That's okay.","start":537.76996,"end":538.41,"sentiment":"neutral","sentiment_score":0.07154825329780579},{"text":"I mean, all I would kind of just give you as an an average for that $6.80 is it's","start":538.41,"end":543.235,"sentiment":"neutral","sentiment_score":0.12821281034695475}],"sentiment":"neutral","sentiment_score":0.11482032828710297,"channel":0,"num_words":22,"start":537.61,"end":543.235},{"sentences":[{"text":"Yes.","start":543.175,"end":543.675,"sentiment":"neutral","sentiment_score":0.2593787610530853}],"sentiment":"neutral","sentiment_score":0.2593787610530853,"channel":1,"num_words":1,"start":543.175,"end":543.675},{"sentences":[{"text":"a decent percentage compared to the debt level that you have.","start":543.235,"end":547.415,"sentiment":"neutral","sentiment_score":0.28342650830745697}],"sentiment":"neutral","sentiment_score":0.28342650830745697,"channel":0,"num_words":11,"start":543.235,"end":547.415},{"sentences":[{"text":"Yes.","start":547.655,"end":548.155,"sentiment":"neutral","sentiment_score":0.11914169788360596}],"sentiment":"neutral","sentiment_score":0.11914169788360596,"channel":1,"num_words":1,"start":547.655,"end":548.155},{"sentences":[{"text":"But compared to the value of the property,","start":548.83496,"end":551.735,"sentiment":"neutral","sentiment_score":0.10190092213451862}],"sentiment":"neutral","sentiment_score":0.10190092213451862,"channel":0,"num_words":8,"start":548.83496,"end":551.735},{"sentences":[{"text":"Yes.","start":551.97504,"end":552.295,"sentiment":"neutral","sentiment_score":0.11526499688625336}],"sentiment":"neutral","sentiment_score":0.11526499688625336,"channel":1,"num_words":1,"start":551.97504,"end":552.295},{"sentences":[{"text":"there may","start":552.035,"end":552.435,"sentiment":"neutral","sentiment_score":0.10687969997525215}],"sentiment":"neutral","sentiment_score":0.10687969997525215,"channel":0,"num_words":2,"start":552.035,"end":552.435},{"sentences":[{"text":"Yes.","start":552.295,"end":552.63,"sentiment":"neutral","sentiment_score":0.1327921450138092}],"sentiment":"neutral","sentiment_score":0.1327921450138092,"channel":1,"num_words":1,"start":552.295,"end":552.63},{"sentences":[{"text":"be properties in other states for 800,000 that would rent for $8.08 50 a week or something like that.","start":552.435,"end":558.15,"sentiment":"neutral","sentiment_score":0.09150260980976255},{"text":"So","start":558.39,"end":558.63,"sentiment":"neutral","sentiment_score":0.09860438853502274}],"sentiment":"neutral","sentiment_score":0.09185769874602556,"channel":0,"num_words":20,"start":552.435,"end":558.63},{"sentences":[{"text":"Yeah.","start":558.55,"end":559.05,"sentiment":"neutral","sentiment_score":0.11580897122621536}],"sentiment":"neutral","sentiment_score":0.11580897122621536,"channel":1,"num_words":1,"start":558.55,"end":559.05},{"sentences":[{"text":"percentage wise, it might be a little bit low compared to the value.","start":558.63,"end":561.69,"sentiment":"neutral","sentiment_score":-0.017437376655065097},{"text":"But if","start":561.83,"end":562.23004,"sentiment":"neutral","sentiment_score":0.20028527081012726}],"sentiment":"neutral","sentiment_score":0.011592309673627217,"channel":0,"num_words":15,"start":558.63,"end":562.23004},{"sentences":[{"text":"Yes.","start":562.15,"end":562.65,"sentiment":"positive","sentiment_score":0.3645857572555542}],"sentiment":"positive","sentiment_score":0.3645857572555542,"channel":1,"num_words":1,"start":562.15,"end":562.65},{"sentences":[{"text":"it's still keeping up with the repayments, that's pretty good.","start":562.23004,"end":565.61005,"sentiment":"positive","sentiment_score":0.5937188029289245}],"sentiment":"positive","sentiment_score":0.5937188029289245,"channel":0,"num_words":10,"start":562.23004,"end":565.61005},{"sentences":[{"text":"Yeah.","start":565.94495,"end":566.185,"sentiment":"neutral","sentiment_score":0.1477954089641571},{"text":"And I think I mean, it's probably relative to the area that it's in.","start":566.185,"end":569.785,"sentiment":"neutral","sentiment_score":0.10354815583143916},{"text":"Even though the property is saying it's worth that, it's like","start":569.785,"end":573.165,"sentiment":"neutral","sentiment_score":0.03180840967053717}],"sentiment":"neutral","sentiment_score":0.0748985421915467,"channel":1,"num_words":26,"start":565.94495,"end":573.165},{"sentences":[{"text":"Yeah.","start":572.805,"end":573.305,"sentiment":"neutral","sentiment_score":0.02197035402059555}],"sentiment":"neutral","sentiment_score":0.02197035402059555,"channel":0,"num_words":1,"start":572.805,"end":573.305},{"sentences":[{"text":"yeah.","start":573.785,"end":574.285,"sentiment":"neutral","sentiment_score":0.01905282773077488},{"text":"But then again, I mean, yeah, I do look, see what's going around there.","start":575.70496,"end":580.52496,"sentiment":"neutral","sentiment_score":0.04502280881362302},{"text":"And it's not bad, but it will probably go up again.","start":580.61005,"end":582.93005,"sentiment":"neutral","sentiment_score":-0.017676246775822205},{"text":"Like, they might increase it again.","start":582.93005,"end":584.79004,"sentiment":"neutral","sentiment_score":-0.001890207330385844},{"text":"I think it was July that around then that the sort of lease is due to run out.","start":584.93005,"end":591.35004,"sentiment":"neutral","sentiment_score":0.01060870165626208}],"sentiment":"neutral","sentiment_score":0.012690976448357105,"channel":1,"num_words":50,"start":573.785,"end":591.35004},{"sentences":[{"text":"Yeah.","start":592.02,"end":592.33997,"sentiment":"neutral","sentiment_score":0.1228606104850769}],"sentiment":"neutral","sentiment_score":0.1228606104850769,"channel":0,"num_words":1,"start":592.02,"end":592.33997},{"sentences":[{"text":"So","start":592.21,"end":592.45,"sentiment":"neutral","sentiment_score":0.16081902384757996}],"sentiment":"neutral","sentiment_score":0.16081902384757996,"channel":1,"num_words":1,"start":592.21,"end":592.45},{"sentences":[{"text":"Yep.","start":592.33997,"end":592.66,"sentiment":"neutral","sentiment_score":0.22383855283260343}],"sentiment":"neutral","sentiment_score":0.22383855283260343,"channel":0,"num_words":1,"start":592.33997,"end":592.66},{"sentences":[{"text":"that's","start":592.45,"end":592.69,"sentiment":"neutral","sentiment_score":0.23656725883483887}],"sentiment":"neutral","sentiment_score":0.23656725883483887,"channel":1,"num_words":1,"start":592.45,"end":592.69},{"sentences":[{"text":"And","start":592.66,"end":593.16,"sentiment":"neutral","sentiment_score":0.23170390725135803}],"sentiment":"neutral","sentiment_score":0.23170390725135803,"channel":0,"num_words":1,"start":592.66,"end":593.16},{"sentences":[{"text":"just why I tend to bump it up.","start":592.69,"end":594.735,"sentiment":"neutral","sentiment_score":0.3079808745533228}],"sentiment":"neutral","sentiment_score":0.3079808745533228,"channel":1,"num_words":8,"start":592.69,"end":594.735},{"sentences":[{"text":"it should be a pretty good outcome.","start":595.395,"end":596.835,"sentiment":"positive","sentiment_score":0.6253684418542045},{"text":"I mean, at the end of the day, you still got enough years left where that mortgage can be paid off.","start":596.835,"end":601.715,"sentiment":"positive","sentiment_score":0.3516978138969058},{"text":"You've got the investment property with the rental income.","start":601.715,"end":604.115,"sentiment":"neutral","sentiment_score":0.31794317232237923},{"text":"We'll sell that off.","start":604.115,"end":605.235,"sentiment":"neutral","sentiment_score":0.2885761484503746},{"text":"Bit of super on the side as well.","start":605.235,"end":606.995,"sentiment":"positive","sentiment_score":0.3663653405383229}],"sentiment":"positive","sentiment_score":0.38183569497599895,"channel":0,"num_words":49,"start":595.395,"end":606.995},{"sentences":[{"text":"So everything's looking like it's slowly coalescing in a good direction.","start":606.995,"end":610.73,"sentiment":"positive","sentiment_score":0.6168286393989216}],"sentiment":"positive","sentiment_score":0.6168286393989216,"channel":0,"num_words":11,"start":606.995,"end":610.73},{"sentences":[{"text":"Yep.","start":611.2,"end":611.7,"sentiment":"positive","sentiment_score":0.4327976107597351}],"sentiment":"positive","sentiment_score":0.4327976107597351,"channel":1,"num_words":1,"start":611.2,"end":611.7},{"sentences":[{"text":"Perfect.","start":612.87,"end":613.35,"sentiment":"positive","sentiment_score":0.6935551166534424},{"text":"Perfect.","start":613.35,"end":613.67,"sentiment":"positive","sentiment_score":0.5149664878845215},{"text":"Last couple of details I just wanna check with you is did you end up putting in place, like, a will or power of attorney, state planning wise?","start":613.67,"end":620.33,"sentiment":"neutral","sentiment_score":0.05555350612848997}],"sentiment":"neutral","sentiment_score":0.0921339925378561,"channel":0,"num_words":30,"start":612.87,"end":620.33},{"sentences":[{"text":"We've got a wheel.","start":621.04,"end":622.1,"sentiment":"neutral","sentiment_score":-0.00564032862894237}],"sentiment":"neutral","sentiment_score":-0.00564032862894237,"channel":1,"num_words":4,"start":621.04,"end":622.1},{"sentences":[{"text":"Yep.","start":622.725,"end":623.225,"sentiment":"neutral","sentiment_score":-0.0031766097526997328}],"sentiment":"neutral","sentiment_score":-0.0031766097526997328,"channel":0,"num_words":1,"start":622.725,"end":623.225},{"sentences":[{"text":"I don't know if we've got I don't know who we would have thought the power of attorney.","start":623.52,"end":627.615,"sentiment":"neutral","sentiment_score":-0.050189423892233104},{"text":"It's like this is but that's we did this, like, probably ten years ago.","start":627.615,"end":632.515,"sentiment":"neutral","sentiment_score":-0.06105237321129867},{"text":"We","start":633.375,"end":633.615,"sentiment":"neutral","sentiment_score":-0.03794081509113312}],"sentiment":"neutral","sentiment_score":-0.05442677788210638,"channel":1,"num_words":33,"start":623.52,"end":633.615},{"sentences":[{"text":"Yeah.","start":633.46,"end":633.96,"sentiment":"neutral","sentiment_score":-0.03642451390624046}],"sentiment":"neutral","sentiment_score":-0.03642451390624046,"channel":0,"num_words":1,"start":633.46,"end":633.96},{"sentences":[{"text":"did a wheel.","start":633.615,"end":634.515,"sentiment":"neutral","sentiment_score":-0.041886126001675926},{"text":"So we might need to already look","start":635.135,"end":637.87,"sentiment":"neutral","sentiment_score":-0.04952129828078406}],"sentiment":"neutral","sentiment_score":-0.04723074659705162,"channel":1,"num_words":10,"start":633.615,"end":637.87},{"sentences":[{"text":"Might","start":637.78,"end":638.10004,"sentiment":"neutral","sentiment_score":-0.09091164916753768}],"sentiment":"neutral","sentiment_score":-0.09091164916753768,"channel":0,"num_words":1,"start":637.78,"end":638.10004},{"sentences":[{"text":"at that","start":637.87,"end":638.27,"sentiment":"neutral","sentiment_score":-0.1603093519806862}],"sentiment":"neutral","sentiment_score":-0.1603093519806862,"channel":1,"num_words":2,"start":637.87,"end":638.27},{"sentences":[{"text":"be","start":638.10004,"end":638.34,"sentiment":"neutral","sentiment_score":-0.16834236681461334}],"sentiment":"neutral","sentiment_score":-0.16834236681461334,"channel":0,"num_words":1,"start":638.10004,"end":638.34},{"sentences":[{"text":"as","start":638.27,"end":638.59,"sentiment":"neutral","sentiment_score":-0.18614111840724945}],"sentiment":"neutral","sentiment_score":-0.18614111840724945,"channel":1,"num_words":1,"start":638.27,"end":638.59},{"sentences":[{"text":"out of date.","start":638.34,"end":638.9,"sentiment":"neutral","sentiment_score":-0.11162869880596797}],"sentiment":"neutral","sentiment_score":-0.11162869880596797,"channel":0,"num_words":3,"start":638.34,"end":638.9},{"sentences":[{"text":"well.","start":638.59,"end":639.09,"sentiment":"neutral","sentiment_score":-0.0010395538993179798}],"sentiment":"neutral","sentiment_score":-0.0010395538993179798,"channel":1,"num_words":1,"start":638.59,"end":639.09},{"sentences":[{"text":"Yep.","start":638.9,"end":639.4,"sentiment":"neutral","sentiment_score":0.011491799727082253}],"sentiment":"neutral","sentiment_score":0.011491799727082253,"channel":0,"num_words":1,"start":638.9,"end":639.4},{"sentences":[{"text":"Yep.","start":639.39,"end":639.87,"sentiment":"neutral","sentiment_score":0.021331358700990677},{"text":"Yep.","start":639.87,"end":640.11,"sentiment":"neutral","sentiment_score":0.035873256623744965},{"text":"Alright.","start":640.11,"end":640.43,"sentiment":"neutral","sentiment_score":0.06285019218921661},{"text":"I'll pop that down as something to","start":640.43,"end":642.29,"sentiment":"neutral","sentiment_score":0.06891032148684774}],"sentiment":"neutral","sentiment_score":0.06024270579218864,"channel":1,"num_words":10,"start":639.39,"end":642.29},{"sentences":[{"text":"I","start":642.66003,"end":642.74,"sentiment":"neutral","sentiment_score":0.064425528049469}],"sentiment":"neutral","sentiment_score":0.064425528049469,"channel":0,"num_words":1,"start":642.66003,"end":642.74},{"sentences":[{"text":"to","start":642.67,"end":642.83,"sentiment":"neutral","sentiment_score":0.04228435456752777}],"sentiment":"neutral","sentiment_score":0.04228435456752777,"channel":1,"num_words":1,"start":642.67,"end":642.83},{"sentences":[{"text":"think","start":642.74,"end":643.06,"sentiment":"neutral","sentiment_score":0.037625931203365326}],"sentiment":"neutral","sentiment_score":0.037625931203365326,"channel":0,"num_words":1,"start":642.74,"end":643.06},{"sentences":[{"text":"do.","start":642.83,"end":643.33,"sentiment":"neutral","sentiment_score":0.048319704830646515}],"sentiment":"neutral","sentiment_score":0.048319704830646515,"channel":1,"num_words":1,"start":642.83,"end":643.33},{"sentences":[{"text":"their their guidelines are, like, check every three years or so is usually","start":643.06,"end":648.235,"sentiment":"neutral","sentiment_score":0.030691050852720555}],"sentiment":"neutral","sentiment_score":0.030691050852720555,"channel":0,"num_words":13,"start":643.06,"end":648.235},{"sentences":[{"text":"Okay.","start":648.11,"end":648.61,"sentiment":"neutral","sentiment_score":0.2203182578086853}],"sentiment":"neutral","sentiment_score":0.2203182578086853,"channel":1,"num_words":1,"start":648.11,"end":648.61},{"sentences":[{"text":"pretty good.","start":648.235,"end":648.975,"sentiment":"positive","sentiment_score":0.39560261368751526}],"sentiment":"positive","sentiment_score":0.39560261368751526,"channel":0,"num_words":2,"start":648.235,"end":648.975},{"sentences":[{"text":"Yep.","start":649.39,"end":649.89,"sentiment":"neutral","sentiment_score":0.17321160435676575}],"sentiment":"neutral","sentiment_score":0.17321160435676575,"channel":1,"num_words":1,"start":649.39,"end":649.89},{"sentences":[{"text":"Power of attorney is really important too, I think, because even","start":650.475,"end":653.535,"sentiment":"neutral","sentiment_score":0.12863368676467377}],"sentiment":"neutral","sentiment_score":0.12863368676467377,"channel":0,"num_words":11,"start":650.475,"end":653.535},{"sentences":[{"text":"Yep.","start":653.455,"end":653.955,"sentiment":"neutral","sentiment_score":0.06959745287895203}],"sentiment":"neutral","sentiment_score":0.06959745287895203,"channel":1,"num_words":1,"start":653.455,"end":653.955},{"sentences":[{"text":"even the old $25 kit from the post office can make sure that someone can talk to the doctors and access bank accounts and not have to go to the courts, which is not as fun.","start":653.83496,"end":664.02,"sentiment":"neutral","sentiment_score":0.014168221193055311},{"text":"So","start":664.16003,"end":664.4,"sentiment":"neutral","sentiment_score":0.002467779442667961}],"sentiment":"neutral","sentiment_score":0.013851993037639437,"channel":0,"num_words":37,"start":653.83496,"end":664.4},{"sentences":[{"text":"Yep.","start":664.255,"end":664.495,"sentiment":"neutral","sentiment_score":-0.009412058629095554}],"sentiment":"neutral","sentiment_score":-0.009412058629095554,"channel":1,"num_words":1,"start":664.255,"end":664.495},{"sentences":[{"text":"that","start":664.4,"end":664.56,"sentiment":"neutral","sentiment_score":-0.0370844341814518}],"sentiment":"neutral","sentiment_score":-0.0370844341814518,"channel":0,"num_words":1,"start":664.4,"end":664.56},{"sentences":[{"text":"No.","start":664.495,"end":664.995,"sentiment":"neutral","sentiment_score":-0.11146742105484007}],"sentiment":"neutral","sentiment_score":-0.11146742105484007,"channel":1,"num_words":1,"start":664.495,"end":664.995},{"sentences":[{"text":"might be do.","start":664.56,"end":665.7,"sentiment":"neutral","sentiment_score":-0.09164837499459584}],"sentiment":"neutral","sentiment_score":-0.09164837499459584,"channel":0,"num_words":3,"start":664.56,"end":665.7},{"sentences":[{"text":"Yep.","start":666.51,"end":667.01,"sentiment":"neutral","sentiment_score":0.03110983781516552},{"text":"I'll check","start":667.31,"end":667.87,"sentiment":"neutral","sentiment_score":0.08492869883775711}],"sentiment":"neutral","sentiment_score":0.06698907849689324,"channel":1,"num_words":3,"start":666.51,"end":667.87},{"sentences":[{"text":"Awesome.","start":667.60004,"end":668.10004,"sentiment":"neutral","sentiment_score":0.2794591784477234}],"sentiment":"neutral","sentiment_score":0.2794591784477234,"channel":0,"num_words":1,"start":667.60004,"end":668.10004},{"sentences":[{"text":"that as well.","start":667.87,"end":668.85,"sentiment":"neutral","sentiment_score":0.1554020419716835}],"sentiment":"neutral","sentiment_score":0.1554020419716835,"channel":1,"num_words":3,"start":667.87,"end":668.85},{"sentences":[{"text":"So addresses still stay the same.","start":668.96,"end":670.64,"sentiment":"neutral","sentiment_score":0.05622966897984346},{"text":"You still have the one","start":670.64,"end":671.60004,"sentiment":"neutral","sentiment_score":0.030971136316657065}],"sentiment":"neutral","sentiment_score":0.04474851776930419,"channel":0,"num_words":11,"start":668.96,"end":671.60004},{"sentences":[{"text":"Yep.","start":671.31,"end":671.81,"sentiment":"neutral","sentiment_score":0.016298888251185417}],"sentiment":"neutral","sentiment_score":0.016298888251185417,"channel":1,"num_words":1,"start":671.31,"end":671.81},{"sentences":[{"text":"dependent.","start":671.60004,"end":672.10004,"sentiment":"neutral","sentiment_score":0.013673612847924232},{"text":"Occupation","start":672.64,"end":673.14,"sentiment":"neutral","sentiment_score":0.00024235667660832405}],"sentiment":"neutral","sentiment_score":0.006957984762266278,"channel":0,"num_words":2,"start":671.60004,"end":673.14},{"sentences":[{"text":"Yes.","start":672.75,"end":673.25,"sentiment":"neutral","sentiment_score":0.006981069687753916}],"sentiment":"neutral","sentiment_score":0.006981069687753916,"channel":1,"num_words":1,"start":672.75,"end":673.25},{"sentences":[{"text":"is different.","start":673.36,"end":674.10004,"sentiment":"neutral","sentiment_score":-0.004029464442282915},{"text":"You guys have never","start":674.325,"end":674.965,"sentiment":"neutral","sentiment_score":-0.015023203566670418}],"sentiment":"neutral","sentiment_score":-0.01135862385854125,"channel":0,"num_words":6,"start":673.36,"end":674.965},{"sentences":[{"text":"Mhmm.","start":674.75,"end":675.25,"sentiment":"neutral","sentiment_score":-0.023343538865447044}],"sentiment":"neutral","sentiment_score":-0.023343538865447044,"channel":1,"num_words":1,"start":674.75,"end":675.25},{"sentences":[{"text":"gone through a a bankruptcy or part nine debt agreement before, have you?","start":674.965,"end":678.585,"sentiment":"neutral","sentiment_score":-0.042855734578692}],"sentiment":"neutral","sentiment_score":-0.042855734578692,"channel":0,"num_words":13,"start":674.965,"end":678.585},{"sentences":[{"text":"Nope.","start":679.07,"end":679.515,"sentiment":"neutral","sentiment_score":-0.10216176509857178},{"text":"I don't know","start":679.59503,"end":679.995,"sentiment":"neutral","sentiment_score":-0.09612511346737544}],"sentiment":"neutral","sentiment_score":-0.09763427637517452,"channel":1,"num_words":4,"start":679.07,"end":679.995},{"sentences":[{"text":"Nope.","start":679.925,"end":680.405,"sentiment":"neutral","sentiment_score":-0.15003085136413574}],"sentiment":"neutral","sentiment_score":-0.15003085136413574,"channel":0,"num_words":1,"start":679.925,"end":680.405},{"sentences":[{"text":"what that","start":679.995,"end":680.47504,"sentiment":"neutral","sentiment_score":-0.11981113627552986}],"sentiment":"neutral","sentiment_score":-0.11981113627552986,"channel":1,"num_words":2,"start":679.995,"end":680.47504},{"sentences":[{"text":"Perfect.","start":680.405,"end":680.905,"sentiment":"neutral","sentiment_score":-0.0644453763961792}],"sentiment":"neutral","sentiment_score":-0.0644453763961792,"channel":0,"num_words":1,"start":680.405,"end":680.905},{"sentences":[{"text":"is.","start":680.47504,"end":680.715,"sentiment":"neutral","sentiment_score":-0.08650613576173782},{"text":"So no.","start":680.715,"end":681.375,"sentiment":"neutral","sentiment_score":-0.12052951380610466}],"sentiment":"neutral","sentiment_score":-0.10918838779131572,"channel":1,"num_words":3,"start":680.47504,"end":681.375},{"sentences":[{"text":"Yeah.","start":681.765,"end":682.005,"sentiment":"neutral","sentiment_score":-0.10893096774816512},{"text":"It's kind of like a type of bankruptcy, but it's kinda like a payment plan bankruptcy.","start":682.005,"end":686.185,"sentiment":"neutral","sentiment_score":-0.12887094635516405}],"sentiment":"neutral","sentiment_score":-0.1276980064371053,"channel":0,"num_words":17,"start":681.765,"end":686.185},{"sentences":[{"text":"Oh,","start":686.395,"end":686.635,"sentiment":"neutral","sentiment_score":-0.047879382967948914}],"sentiment":"neutral","sentiment_score":-0.047879382967948914,"channel":1,"num_words":1,"start":686.395,"end":686.635},{"sentences":[{"text":"Not","start":686.565,"end":686.805,"sentiment":"neutral","sentiment_score":-0.1497112661600113}],"sentiment":"neutral","sentiment_score":-0.1497112661600113,"channel":0,"num_words":1,"start":686.565,"end":686.805},{"sentences":[{"text":"no.","start":686.635,"end":687.03503,"sentiment":"neutral","sentiment_score":-0.13947199285030365}],"sentiment":"neutral","sentiment_score":-0.13947199285030365,"channel":1,"num_words":1,"start":686.635,"end":687.03503},{"sentences":[{"text":"as","start":686.805,"end":687.045,"sentiment":"neutral","sentiment_score":-0.09250906109809875}],"sentiment":"neutral","sentiment_score":-0.09250906109809875,"channel":0,"num_words":1,"start":686.805,"end":687.045},{"sentences":[{"text":"No.","start":687.03503,"end":687.53503,"sentiment":"neutral","sentiment_score":-0.22168076038360596}],"sentiment":"neutral","sentiment_score":-0.22168076038360596,"channel":1,"num_words":1,"start":687.03503,"end":687.53503},{"sentences":[{"text":"fun.","start":687.045,"end":687.48,"sentiment":"neutral","sentiment_score":-0.189281702041626}],"sentiment":"neutral","sentiment_score":-0.189281702041626,"channel":0,"num_words":1,"start":687.045,"end":687.48},{"sentences":[{"text":"No.","start":687.91504,"end":688.41504,"sentiment":"neutral","sentiment_score":-0.06544075906276703}],"sentiment":"neutral","sentiment_score":-0.06544075906276703,"channel":1,"num_words":1,"start":687.91504,"end":688.41504},{"sentences":[{"text":"Amazing.","start":689.32,"end":689.72,"sentiment":"neutral","sentiment_score":0.09017939865589142},{"text":"So that's pretty much it.","start":689.72,"end":690.83997,"sentiment":"neutral","sentiment_score":0.15223864912986756},{"text":"Is there anything else on the cards for you guys the next three to five years?","start":690.83997,"end":693.98,"sentiment":"neutral","sentiment_score":0.06221017427742481}],"sentiment":"neutral","sentiment_score":0.08394251967018301,"channel":0,"num_words":22,"start":689.32,"end":693.98},{"sentences":[{"text":"No.","start":694.6,"end":694.84,"sentiment":"neutral","sentiment_score":0.04219791293144226},{"text":"And we did buy a caravan, so that's an","start":694.84,"end":698.36,"sentiment":"neutral","sentiment_score":0.1643200922343466}],"sentiment":"neutral","sentiment_score":0.15210787430405617,"channel":1,"num_words":10,"start":694.6,"end":698.36},{"sentences":[{"text":"Amazing.","start":698.27997,"end":698.77997,"sentiment":"neutral","sentiment_score":0.3160823583602905}],"sentiment":"neutral","sentiment_score":0.3160823583602905,"channel":0,"num_words":1,"start":698.27997,"end":698.77997},{"sentences":[{"text":"asset as well.","start":698.36,"end":699.58,"sentiment":"neutral","sentiment_score":0.21691638231277466}],"sentiment":"neutral","sentiment_score":0.21691638231277466,"channel":1,"num_words":3,"start":698.36,"end":699.58},{"sentences":[{"text":"I shall","start":700.055,"end":700.535,"sentiment":"neutral","sentiment_score":-0.007290557026863099}],"sentiment":"neutral","sentiment_score":-0.007290557026863099,"channel":0,"num_words":2,"start":700.055,"end":700.535},{"sentences":[{"text":"I don't","start":700.36,"end":700.68,"sentiment":"neutral","sentiment_score":-0.028841049410402775}],"sentiment":"neutral","sentiment_score":-0.028841049410402775,"channel":1,"num_words":2,"start":700.36,"end":700.68},{"sentences":[{"text":"note","start":700.535,"end":700.855,"sentiment":"neutral","sentiment_score":-0.013588730245828629}],"sentiment":"neutral","sentiment_score":-0.013588730245828629,"channel":0,"num_words":1,"start":700.535,"end":700.855},{"sentences":[{"text":"know.","start":700.68,"end":701.18,"sentiment":"neutral","sentiment_score":-0.02168187126517296}],"sentiment":"neutral","sentiment_score":-0.02168187126517296,"channel":1,"num_words":1,"start":700.68,"end":701.18},{"sentences":[{"text":"that down.","start":700.855,"end":701.495,"sentiment":"neutral","sentiment_score":-0.019282438792288303},{"text":"If","start":701.495,"end":701.735,"sentiment":"neutral","sentiment_score":0.013520024716854095}],"sentiment":"neutral","sentiment_score":-0.008348284289240837,"channel":0,"num_words":3,"start":700.855,"end":701.735},{"sentences":[{"text":"Yep.","start":701.72,"end":702.22,"sentiment":"neutral","sentiment_score":0.015582035295665264}],"sentiment":"neutral","sentiment_score":0.015582035295665264,"channel":1,"num_words":1,"start":701.72,"end":702.22},{"sentences":[{"text":"you do you have any debt on it, or is it mainly just a clean purchase?","start":701.735,"end":705.275,"sentiment":"neutral","sentiment_score":-0.00019750907085835945}],"sentiment":"neutral","sentiment_score":-0.00019750907085835945,"channel":0,"num_words":16,"start":701.735,"end":705.275},{"sentences":[{"text":"No.","start":705.615,"end":705.855,"sentiment":"neutral","sentiment_score":-0.04695840924978256},{"text":"We purchased it.","start":705.855,"end":707.395,"sentiment":"neutral","sentiment_score":-0.006771907210350037}],"sentiment":"neutral","sentiment_score":-0.016818532720208168,"channel":1,"num_words":4,"start":705.615,"end":707.395},{"sentences":[{"text":"Okay.","start":707.815,"end":708.21497,"sentiment":"neutral","sentiment_score":0.0020559486001729965},{"text":"And how much would that go for?","start":708.21497,"end":709.915,"sentiment":"neutral","sentiment_score":0.004226791539362499}],"sentiment":"neutral","sentiment_score":0.003955436171963811,"channel":0,"num_words":8,"start":707.815,"end":709.915},{"sentences":[{"text":"Probably about well, between 70 and 80,000.","start":710.575,"end":713.315,"sentiment":"neutral","sentiment_score":0.04363081098667213}],"sentiment":"neutral","sentiment_score":0.04363081098667213,"channel":1,"num_words":7,"start":710.575,"end":713.315},{"sentences":[{"text":"Alright.","start":714.47003,"end":714.79004,"sentiment":"neutral","sentiment_score":0.11393224447965622},{"text":"I'll give the old 75 in the middle.","start":714.79004,"end":717.05,"sentiment":"neutral","sentiment_score":0.08306514006108046}],"sentiment":"neutral","sentiment_score":0.0864948183298111,"channel":0,"num_words":9,"start":714.47003,"end":717.05},{"sentences":[{"text":"Yep.","start":716.735,"end":717.055,"sentiment":"neutral","sentiment_score":0.08859260380268097},{"text":"There","start":717.055,"end":717.295,"sentiment":"neutral","sentiment_score":0.04505809396505356}],"sentiment":"neutral","sentiment_score":0.06682534888386726,"channel":1,"num_words":2,"start":716.735,"end":717.295},{"sentences":[{"text":"And","start":717.19,"end":717.69,"sentiment":"neutral","sentiment_score":0.043029990047216415}],"sentiment":"neutral","sentiment_score":0.043029990047216415,"channel":0,"num_words":1,"start":717.19,"end":717.69},{"sentences":[{"text":"you go.","start":717.295,"end":717.535,"sentiment":"neutral","sentiment_score":0.04153061285614967},{"text":"Why not?","start":717.535,"end":718.275,"sentiment":"neutral","sentiment_score":-0.003700864501297474}],"sentiment":"neutral","sentiment_score":0.0189148741774261,"channel":1,"num_words":4,"start":717.295,"end":718.275},{"sentences":[{"text":"I do have to ask you all a important question.","start":718.47003,"end":720.31,"sentiment":"neutral","sentiment_score":-0.01110321506857872},{"text":"Are you guys planning to one day caravan around Australia in retirement, or is it more just for, you know, the next ten years?","start":720.31,"end":727.29004,"sentiment":"neutral","sentiment_score":0.011915626469999552}],"sentiment":"neutral","sentiment_score":0.0051453789586530015,"channel":0,"num_words":34,"start":718.47003,"end":727.29004},{"sentences":[{"text":"That would be amazing.","start":727.44,"end":728.66003,"sentiment":"positive","sentiment_score":0.4896494001150131},{"text":"But, yeah, at the moment, it's just for doing sort of, like, short weekend trips while we can get away.","start":728.72003,"end":733.22003,"sentiment":"neutral","sentiment_score":0.06556404307484627}],"sentiment":"neutral","sentiment_score":0.13624493591487408,"channel":1,"num_words":24,"start":727.44,"end":733.22003},{"sentences":[{"text":"Yep.","start":733.725,"end":734.20496,"sentiment":"neutral","sentiment_score":0.1153525933623314},{"text":"Yep.","start":734.20496,"end":734.605,"sentiment":"neutral","sentiment_score":0.2257688939571381},{"text":"Amazing.","start":734.605,"end":735.105,"sentiment":"positive","sentiment_score":0.5348650217056274},{"text":"And it's funny because it's","start":735.96497,"end":737.40497,"sentiment":"neutral","sentiment_score":0.2140655755996704}],"sentiment":"neutral","sentiment_score":0.24328929837793112,"channel":0,"num_words":8,"start":733.725,"end":737.40497},{"sentences":[{"text":"Yeah.","start":737.395,"end":737.895,"sentiment":"neutral","sentiment_score":0.09904170036315918}],"sentiment":"neutral","sentiment_score":0.09904170036315918,"channel":1,"num_words":1,"start":737.395,"end":737.895},{"sentences":[{"text":"a bit of a dream for about half of Australia, which is like, we'll just have the mortgage paid off.","start":737.40497,"end":741.005,"sentiment":"neutral","sentiment_score":0.14534526243805884},{"text":"We'll hop in a caravan.","start":741.005,"end":742.045,"sentiment":"neutral","sentiment_score":0.2062771201133728},{"text":"We'll go around the country.","start":742.045,"end":743.345,"sentiment":"neutral","sentiment_score":0.16259912848472596}],"sentiment":"neutral","sentiment_score":0.15837621639172236,"channel":0,"num_words":30,"start":737.40497,"end":743.345},{"sentences":[{"text":"Yeah.","start":743.395,"end":743.79504,"sentiment":"neutral","sentiment_score":0.10902617871761322},{"text":"Yeah.","start":743.79504,"end":744.29504,"sentiment":"neutral","sentiment_score":0.0998855158686638}],"sentiment":"neutral","sentiment_score":0.1044558472931385,"channel":1,"num_words":2,"start":743.395,"end":744.29504},{"sentences":[{"text":"Hopefully, there's no oil crisis for a lot of people who are acquiring with their caravans because","start":744.02,"end":748.52,"sentiment":"neutral","sentiment_score":0.022673038656220716}],"sentiment":"neutral","sentiment_score":0.022673038656220716,"channel":0,"num_words":17,"start":744.02,"end":748.52},{"sentences":[{"text":"Yeah.","start":748.35504,"end":748.85504,"sentiment":"neutral","sentiment_score":-0.04657154530286789}],"sentiment":"neutral","sentiment_score":-0.04657154530286789,"channel":1,"num_words":1,"start":748.35504,"end":748.85504},{"sentences":[{"text":"that was probably unforeseen in terms of their retirement goals, but you've still","start":748.82,"end":752.34,"sentiment":"neutral","sentiment_score":-0.14725031761022714}],"sentiment":"neutral","sentiment_score":-0.14725031761022714,"channel":0,"num_words":13,"start":748.82,"end":752.34},{"sentences":[{"text":"Definitely.","start":752.22003,"end":752.72003,"sentiment":"neutral","sentiment_score":-0.091816745698452}],"sentiment":"neutral","sentiment_score":-0.091816745698452,"channel":1,"num_words":1,"start":752.22003,"end":752.72003},{"sentences":[{"text":"got a bit of time for that to resolve.","start":752.34,"end":754.44,"sentiment":"neutral","sentiment_score":-0.11043669283390045}],"sentiment":"neutral","sentiment_score":-0.11043669283390045,"channel":0,"num_words":9,"start":752.34,"end":754.44},{"sentences":[{"text":"Yes.","start":754.7,"end":755.2,"sentiment":"neutral","sentiment_score":0.11581658571958542},{"text":"Yep.","start":755.26,"end":755.76,"sentiment":"neutral","sentiment_score":0.23450404405593872}],"sentiment":"neutral","sentiment_score":0.17516031488776207,"channel":1,"num_words":2,"start":754.7,"end":755.76},{"sentences":[{"text":"Amazing.","start":756.51495,"end":757.01495,"sentiment":"positive","sentiment_score":0.4410829544067383},{"text":"When it comes to retirement and super","start":757.475,"end":759.735,"sentiment":"neutral","sentiment_score":0.25398215651512146}],"sentiment":"neutral","sentiment_score":0.27736975625157356,"channel":0,"num_words":8,"start":756.51495,"end":759.735},{"sentences":[{"text":"Yep.","start":760.14,"end":760.64,"sentiment":"neutral","sentiment_score":0.17232993245124817}],"sentiment":"neutral","sentiment_score":0.17232993245124817,"channel":1,"num_words":1,"start":760.14,"end":760.64},{"sentences":[{"text":"so you can access your super at 60, and that's your preservation age.","start":760.27496,"end":763.735,"sentiment":"neutral","sentiment_score":0.24049248145176813}],"sentiment":"neutral","sentiment_score":0.24049248145176813,"channel":0,"num_words":13,"start":760.27496,"end":763.735},{"sentences":[{"text":"Okay.","start":763.915,"end":764.415,"sentiment":"neutral","sentiment_score":0.1052865907549858}],"sentiment":"neutral","sentiment_score":0.1052865907549858,"channel":1,"num_words":1,"start":763.915,"end":764.415},{"sentences":[{"text":"And 67 is when the age pension from Centrelink kicks in.","start":764.115,"end":768.77496,"sentiment":"neutral","sentiment_score":0.06510320034894077}],"sentiment":"neutral","sentiment_score":0.06510320034894077,"channel":0,"num_words":11,"start":764.115,"end":768.77496},{"sentences":[{"text":"Yes.","start":768.95496,"end":769.45496,"sentiment":"neutral","sentiment_score":0.10443523526191711}],"sentiment":"neutral","sentiment_score":0.10443523526191711,"channel":1,"num_words":1,"start":768.95496,"end":769.45496},{"sentences":[{"text":"So it's a bit of a balancing act between working a bit longer and growing your funds towards that age pension age or growing","start":769.08,"end":776.28,"sentiment":"neutral","sentiment_score":0.08754319526876013}],"sentiment":"neutral","sentiment_score":0.08754319526876013,"channel":0,"num_words":24,"start":769.08,"end":776.28},{"sentences":[{"text":"Yes.","start":776.235,"end":776.735,"sentiment":"neutral","sentiment_score":0.14349287748336792}],"sentiment":"neutral","sentiment_score":0.14349287748336792,"channel":1,"num_words":1,"start":776.235,"end":776.735},{"sentences":[{"text":"it a bit faster and retiring a bit earlier.","start":776.28,"end":778.62006,"sentiment":"neutral","sentiment_score":0.16043706900543636},{"text":"I just","start":778.76,"end":779.24005,"sentiment":"neutral","sentiment_score":0.11233969777822495}],"sentiment":"neutral","sentiment_score":0.15169209241867065,"channel":0,"num_words":11,"start":776.28,"end":779.24005},{"sentences":[{"text":"Okay.","start":779.1,"end":779.6,"sentiment":"neutral","sentiment_score":0.1202891394495964}],"sentiment":"neutral","sentiment_score":0.1202891394495964,"channel":1,"num_words":1,"start":779.1,"end":779.6},{"sentences":[{"text":"wanted to kind of gauge with you what you foresaw for you and your family.","start":779.24005,"end":783.02,"sentiment":"neutral","sentiment_score":0.1286300872762998}],"sentiment":"neutral","sentiment_score":0.1286300872762998,"channel":0,"num_words":15,"start":779.24005,"end":783.02},{"sentences":[{"text":"Oh, we would definitely I mean, our aim wouldn't be to ultimately, yeah, retire earlier than later.","start":783.42,"end":789.92,"sentiment":"neutral","sentiment_score":0.1078677492983201}],"sentiment":"neutral","sentiment_score":0.1078677492983201,"channel":1,"num_words":17,"start":783.42,"end":789.92},{"sentences":[{"text":"Yep.","start":790.785,"end":791.105,"sentiment":"neutral","sentiment_score":0.09161414206027985}],"sentiment":"neutral","sentiment_score":0.09161414206027985,"channel":0,"num_words":1,"start":790.785,"end":791.105},{"sentences":[{"text":"And","start":791.02,"end":791.52,"sentiment":"neutral","sentiment_score":0.06894345581531525}],"sentiment":"neutral","sentiment_score":0.06894345581531525,"channel":1,"num_words":1,"start":791.02,"end":791.52},{"sentences":[{"text":"So","start":791.105,"end":791.605,"sentiment":"neutral","sentiment_score":0.06610147655010223}],"sentiment":"neutral","sentiment_score":0.06610147655010223,"channel":0,"num_words":1,"start":791.105,"end":791.605},{"sentences":[{"text":"so yeah.","start":791.66,"end":792.7,"sentiment":"neutral","sentiment_score":0.08305568248033524}],"sentiment":"neutral","sentiment_score":0.08305568248033524,"channel":1,"num_words":2,"start":791.66,"end":792.7},{"sentences":[{"text":"as","start":792.625,"end":792.865,"sentiment":"neutral","sentiment_score":0.07509967684745789}],"sentiment":"neutral","sentiment_score":0.07509967684745789,"channel":0,"num_words":1,"start":792.625,"end":792.865},{"sentences":[{"text":"I","start":792.7,"end":792.945,"sentiment":"neutral","sentiment_score":0.07488971948623657}],"sentiment":"neutral","sentiment_score":0.07488971948623657,"channel":1,"num_words":1,"start":792.7,"end":792.945},{"sentences":[{"text":"early","start":792.865,"end":793.185,"sentiment":"neutral","sentiment_score":0.07626982033252716}],"sentiment":"neutral","sentiment_score":0.07626982033252716,"channel":0,"num_words":1,"start":792.865,"end":793.185},{"sentences":[{"text":"think","start":793.025,"end":793.265,"sentiment":"neutral","sentiment_score":0.0915674939751625}],"sentiment":"neutral","sentiment_score":0.0915674939751625,"channel":1,"num_words":1,"start":793.025,"end":793.265},{"sentences":[{"text":"as possible.","start":793.185,"end":793.76495,"sentiment":"neutral","sentiment_score":0.07463571056723595}],"sentiment":"neutral","sentiment_score":0.07463571056723595,"channel":0,"num_words":2,"start":793.185,"end":793.76495},{"sentences":[{"text":"my husband yeah.","start":793.265,"end":794.645,"sentiment":"neutral","sentiment_score":0.014323034634192785},{"text":"My husband works very, very hard.","start":794.705,"end":796.645,"sentiment":"neutral","sentiment_score":-0.034456454838315644},{"text":"You know, six days a week, you know, sixty plus, you know, hours a week as well.","start":796.865,"end":803.685,"sentiment":"neutral","sentiment_score":0.007642806562430719},{"text":"Yeah.","start":804.945,"end":805.445,"sentiment":"neutral","sentiment_score":0.09839297831058502},{"text":"So and he earns","start":806.03,"end":806.99,"sentiment":"neutral","sentiment_score":0.14673766493797302}],"sentiment":"neutral","sentiment_score":0.021016184661176898,"channel":1,"num_words":31,"start":793.265,"end":806.99},{"sentences":[{"text":"Amazing.","start":806.8,"end":807.3,"sentiment":"positive","sentiment_score":0.41604018211364746}],"sentiment":"positive","sentiment_score":0.41604018211364746,"channel":0,"num_words":1,"start":806.8,"end":807.3},{"sentences":[{"text":"decent money, which oh, yeah.","start":806.99,"end":811.71,"sentiment":"positive","sentiment_score":0.34629170298576356},{"text":"So, I mean, yes.","start":811.71,"end":812.83,"sentiment":"neutral","sentiment_score":0.186753798276186},{"text":"Ideally, that's why I guess we, you know, wanna try and get this investment property working better for us.","start":812.83,"end":818.325,"sentiment":"neutral","sentiment_score":0.16557952879290833}],"sentiment":"neutral","sentiment_score":0.20087445553924357,"channel":1,"num_words":28,"start":806.99,"end":818.325},{"sentences":[{"text":"And there's lots of different strategies you can do too, like, when it comes to properties and getting funds into super or supplementing with rental income, transition strategies after 60.","start":819.085,"end":831.33,"sentiment":"neutral","sentiment_score":0.19548905963699023},{"text":"So there's enough things that we can kind of do now, but there's also","start":831.33,"end":834.61,"sentiment":"neutral","sentiment_score":0.15134708317262785}],"sentiment":"neutral","sentiment_score":0.1814438853074204,"channel":0,"num_words":44,"start":819.085,"end":834.61},{"sentences":[{"text":"Okay.","start":834.49,"end":834.99,"sentiment":"neutral","sentiment_score":0.07385189831256866}],"sentiment":"neutral","sentiment_score":0.07385189831256866,"channel":1,"num_words":1,"start":834.49,"end":834.99},{"sentences":[{"text":"more coming down the line that can kind of bump you up a little bit too.","start":834.61,"end":837.975,"sentiment":"neutral","sentiment_score":0.1351788262836635}],"sentiment":"neutral","sentiment_score":0.1351788262836635,"channel":0,"num_words":16,"start":834.61,"end":837.975},{"sentences":[{"text":"Okay.","start":839.05,"end":839.20996,"sentiment":"positive","sentiment_score":0.4343206286430359},{"text":"That sounds good.","start":839.20996,"end":840.27,"sentiment":"positive","sentiment_score":0.6820048888524374}],"sentiment":"positive","sentiment_score":0.620083823800087,"channel":1,"num_words":4,"start":839.05,"end":840.27},{"sentences":[{"text":"For a bit of a joint retirement goal, I just wanted to quickly check base because of your your balance and your income level compared to your partner.","start":840.375,"end":847.995,"sentiment":"neutral","sentiment_score":0.20384191189493453},{"text":"I just","start":848.21497,"end":848.535,"sentiment":"neutral","sentiment_score":0.13516385853290558}],"sentiment":"neutral","sentiment_score":0.19926337500413258,"channel":0,"num_words":30,"start":840.375,"end":848.535},{"sentences":[{"text":"Yep.","start":848.415,"end":848.915,"sentiment":"neutral","sentiment_score":0.10996678471565248}],"sentiment":"neutral","sentiment_score":0.10996678471565248,"channel":1,"num_words":1,"start":848.415,"end":848.915},{"sentences":[{"text":"wanted to briefly discuss what portion of that retirement income do you think you would need to contribute to it?","start":848.535,"end":855.63,"sentiment":"neutral","sentiment_score":0.10667083114385605},{"text":"Like, do you have an estimate on his super balance and I can kind of do a bit of a work back?","start":855.63,"end":859.81,"sentiment":"neutral","sentiment_score":0.07639761997217481}],"sentiment":"neutral","sentiment_score":0.09081343481583255,"channel":0,"num_words":42,"start":848.535,"end":859.81},{"sentences":[{"text":"I know it's just it's a lot more than me because","start":863.75995,"end":866.16,"sentiment":"neutral","sentiment_score":0.0068452096205543385}],"sentiment":"neutral","sentiment_score":0.0068452096205543385,"channel":1,"num_words":11,"start":863.75995,"end":866.16},{"sentences":[{"text":"Yeah.","start":866.125,"end":866.625,"sentiment":"neutral","sentiment_score":0.02181283198297024}],"sentiment":"neutral","sentiment_score":0.02181283198297024,"channel":0,"num_words":1,"start":866.125,"end":866.625},{"sentences":[{"text":"I I am gonna have my child and work part time for a while.","start":866.16,"end":870.075,"sentiment":"neutral","sentiment_score":0.01243687208209719},{"text":"Oh, gosh.","start":870.075,"end":872.235,"sentiment":"neutral","sentiment_score":0.011376987677067518},{"text":"I can't think off the top of my head.","start":872.235,"end":874.015,"sentiment":"neutral","sentiment_score":-0.05769083980056974},{"text":"Yeah.","start":875.515,"end":875.755,"sentiment":"neutral","sentiment_score":0.02948062494397163},{"text":"It's","start":875.755,"end":875.995,"sentiment":"neutral","sentiment_score":0.019078534096479416}],"sentiment":"neutral","sentiment_score":-0.010140304246710407,"channel":1,"num_words":27,"start":866.16,"end":875.995},{"sentences":[{"text":"That's","start":875.965,"end":876.36505,"sentiment":"neutral","sentiment_score":0.03932859376072883}],"sentiment":"neutral","sentiment_score":0.03932859376072883,"channel":0,"num_words":1,"start":875.965,"end":876.36505},{"sentences":[{"text":"something that","start":875.995,"end":876.47504,"sentiment":"neutral","sentiment_score":0.05390690267086029}],"sentiment":"neutral","sentiment_score":0.05390690267086029,"channel":1,"num_words":2,"start":875.995,"end":876.47504},{"sentences":[{"text":"okay.","start":876.36505,"end":876.86505,"sentiment":"neutral","sentiment_score":0.07636093348264694}],"sentiment":"neutral","sentiment_score":0.07636093348264694,"channel":0,"num_words":1,"start":876.36505,"end":876.86505},{"sentences":[{"text":"I can ask him, but, yeah, he could share.","start":876.47504,"end":878.815,"sentiment":"neutral","sentiment_score":0.05651749215192265},{"text":"But, I mean, I'd say it's over 300,000.","start":879.03503,"end":882.09503,"sentiment":"neutral","sentiment_score":0.05338044045493007}],"sentiment":"neutral","sentiment_score":0.05504123252980849,"channel":1,"num_words":17,"start":876.47504,"end":882.09503},{"sentences":[{"text":"Yeah.","start":882.94,"end":883.33997,"sentiment":"neutral","sentiment_score":0.13772797584533691},{"text":"So one thing that we can do is you're in a pretty high growth portfolio, so the whole aim is just kind of catch you up.","start":883.33997,"end":890.45996,"sentiment":"neutral","sentiment_score":0.2622652839009578},{"text":"Get as much returns","start":890.45996,"end":891.51996,"sentiment":"neutral","sentiment_score":0.21447646990418434}],"sentiment":"neutral","sentiment_score":0.25208165280280576,"channel":0,"num_words":31,"start":882.94,"end":891.51996},{"sentences":[{"text":"Yes.","start":891.26,"end":891.76,"sentiment":"neutral","sentiment_score":0.16710983216762543}],"sentiment":"neutral","sentiment_score":0.16710983216762543,"channel":1,"num_words":1,"start":891.26,"end":891.76},{"sentences":[{"text":"as possible as","start":892.06,"end":893.22504,"sentiment":"neutral","sentiment_score":0.12655474245548248}],"sentiment":"neutral","sentiment_score":0.12655474245548248,"channel":0,"num_words":3,"start":892.06,"end":893.22504},{"sentences":[{"text":"Mhmm.","start":893.1,"end":893.6,"sentiment":"neutral","sentiment_score":0.059569984674453735}],"sentiment":"neutral","sentiment_score":0.059569984674453735,"channel":1,"num_words":1,"start":893.1,"end":893.6},{"sentences":[{"text":"you get closer to retirement because, you know,","start":893.22504,"end":895.945,"sentiment":"neutral","sentiment_score":0.01478297053836286}],"sentiment":"neutral","sentiment_score":0.01478297053836286,"channel":0,"num_words":8,"start":893.22504,"end":895.945},{"sentences":[{"text":"Yes.","start":895.66,"end":895.995,"sentiment":"neutral","sentiment_score":0.03150380402803421}],"sentiment":"neutral","sentiment_score":0.03150380402803421,"channel":1,"num_words":1,"start":895.66,"end":895.995},{"sentences":[{"text":"twenty years from now is quite a while to project out.","start":895.945,"end":898.92505,"sentiment":"neutral","sentiment_score":0.006249562244523655},{"text":"We can","start":899.22504,"end":899.965,"sentiment":"neutral","sentiment_score":0.08755902945995331}],"sentiment":"neutral","sentiment_score":0.01875871104689745,"channel":0,"num_words":13,"start":895.945,"end":899.965},{"sentences":[{"text":"Yep.","start":899.515,"end":900.015,"sentiment":"neutral","sentiment_score":0.08980777114629745}],"sentiment":"neutral","sentiment_score":0.08980777114629745,"channel":1,"num_words":1,"start":899.515,"end":900.015},{"sentences":[{"text":"refine that joint retirement planning conversation when you get a bit closer, like late","start":900.42505,"end":905.465,"sentiment":"neutral","sentiment_score":0.09813777011420045}],"sentiment":"neutral","sentiment_score":0.09813777011420045,"channel":0,"num_words":14,"start":900.42505,"end":905.465},{"sentences":[{"text":"Yep.","start":905.435,"end":905.935,"sentiment":"neutral","sentiment_score":0.04374038428068161}],"sentiment":"neutral","sentiment_score":0.04374038428068161,"channel":1,"num_words":1,"start":905.435,"end":905.935},{"sentences":[{"text":"fifties.","start":905.465,"end":905.965,"sentiment":"neutral","sentiment_score":0.0684567466378212}],"sentiment":"neutral","sentiment_score":0.0684567466378212,"channel":0,"num_words":1,"start":905.465,"end":905.965},{"sentences":[{"text":"Yep.","start":906.635,"end":907.135,"sentiment":"neutral","sentiment_score":0.04185774177312851}],"sentiment":"neutral","sentiment_score":0.04185774177312851,"channel":1,"num_words":1,"start":906.635,"end":907.135},{"sentences":[{"text":"If","start":907.7,"end":908.02,"sentiment":"neutral","sentiment_score":0.02659246139228344}],"sentiment":"neutral","sentiment_score":0.02659246139228344,"channel":0,"num_words":1,"start":907.7,"end":908.02},{"sentences":[{"text":"Well,","start":907.915,"end":908.15497,"sentiment":"neutral","sentiment_score":0.009202232584357262}],"sentiment":"neutral","sentiment_score":0.009202232584357262,"channel":1,"num_words":1,"start":907.915,"end":908.15497},{"sentences":[{"text":"for","start":908.02,"end":908.18,"sentiment":"neutral","sentiment_score":-0.010279323905706406}],"sentiment":"neutral","sentiment_score":-0.010279323905706406,"channel":0,"num_words":1,"start":908.02,"end":908.18},{"sentences":[{"text":"that's","start":908.15497,"end":908.635,"sentiment":"neutral","sentiment_score":-0.004293551202863455}],"sentiment":"neutral","sentiment_score":-0.004293551202863455,"channel":1,"num_words":1,"start":908.15497,"end":908.635},{"sentences":[{"text":"now the focus","start":908.18,"end":908.89996,"sentiment":"neutral","sentiment_score":-0.009196190784374872}],"sentiment":"neutral","sentiment_score":-0.009196190784374872,"channel":0,"num_words":3,"start":908.18,"end":908.89996},{"sentences":[{"text":"not","start":908.635,"end":908.955,"sentiment":"neutral","sentiment_score":-0.010608866810798643}],"sentiment":"neutral","sentiment_score":-0.010608866810798643,"channel":1,"num_words":1,"start":908.635,"end":908.955},{"sentences":[{"text":"is","start":908.89996,"end":909.06,"sentiment":"neutral","sentiment_score":-0.045287951827049255}],"sentiment":"neutral","sentiment_score":-0.045287951827049255,"channel":0,"num_words":1,"start":908.89996,"end":909.06},{"sentences":[{"text":"too","start":908.955,"end":909.195,"sentiment":"neutral","sentiment_score":-0.062316201627254486}],"sentiment":"neutral","sentiment_score":-0.062316201627254486,"channel":1,"num_words":1,"start":908.955,"end":909.195},{"sentences":[{"text":"just","start":909.06,"end":909.22,"sentiment":"neutral","sentiment_score":-0.06389033794403076}],"sentiment":"neutral","sentiment_score":-0.06389033794403076,"channel":0,"num_words":1,"start":909.06,"end":909.22},{"sentences":[{"text":"far","start":909.195,"end":909.515,"sentiment":"neutral","sentiment_score":-0.06561067700386047}],"sentiment":"neutral","sentiment_score":-0.06561067700386047,"channel":1,"num_words":1,"start":909.195,"end":909.515},{"sentences":[{"text":"get as","start":909.22,"end":909.54,"sentiment":"neutral","sentiment_score":-0.057975057512521744}],"sentiment":"neutral","sentiment_score":-0.057975057512521744,"channel":0,"num_words":2,"start":909.22,"end":909.54},{"sentences":[{"text":"off.","start":909.515,"end":910.015,"sentiment":"neutral","sentiment_score":-0.029767926782369617}],"sentiment":"neutral","sentiment_score":-0.029767926782369617,"channel":1,"num_words":1,"start":909.515,"end":910.015},{"sentences":[{"text":"much as possible,","start":909.54,"end":910.52,"sentiment":"neutral","sentiment_score":0.007778871183594068}],"sentiment":"neutral","sentiment_score":0.007778871183594068,"channel":0,"num_words":3,"start":909.54,"end":910.52},{"sentences":[{"text":"Yes.","start":910.54004,"end":911.04004,"sentiment":"neutral","sentiment_score":0.056974753737449646}],"sentiment":"neutral","sentiment_score":0.056974753737449646,"channel":1,"num_words":1,"start":910.54004,"end":911.04004},{"sentences":[{"text":"we can focus there.","start":910.74,"end":912.76,"sentiment":"neutral","sentiment_score":0.03997950628399849}],"sentiment":"neutral","sentiment_score":0.03997950628399849,"channel":0,"num_words":4,"start":910.74,"end":912.76},{"sentences":[{"text":"Yep.","start":913.18,"end":913.68,"sentiment":"neutral","sentiment_score":0.09991522878408432}],"sentiment":"neutral","sentiment_score":0.09991522878408432,"channel":1,"num_words":1,"start":913.18,"end":913.68},{"sentences":[{"text":"Absolutely.","start":914.98,"end":915.48,"sentiment":"neutral","sentiment_score":0.11733002215623856},{"text":"And we've got a few a few market cycles, I would sort of say, for you as well.","start":915.7,"end":922.755,"sentiment":"neutral","sentiment_score":0.01788936902044548},{"text":"Like, yes, it's not too far off, but every seven years or so, the market tends to grow for a few years, and then there's some sort of event that makes it crash.","start":922.755,"end":931.33496,"sentiment":"neutral","sentiment_score":-0.06447024643421173},{"text":"COVID,","start":931.39496,"end":931.89496,"sentiment":"neutral","sentiment_score":-0.07040491700172424}],"sentiment":"neutral","sentiment_score":-0.03318083744917838,"channel":0,"num_words":53,"start":914.98,"end":931.89496},{"sentences":[{"text":"Yeah.","start":931.735,"end":932.235,"sentiment":"neutral","sentiment_score":-0.03406586870551109}],"sentiment":"neutral","sentiment_score":-0.03406586870551109,"channel":1,"num_words":1,"start":931.735,"end":932.235},{"sentences":[{"text":"GFC,","start":932.035,"end":932.535,"sentiment":"neutral","sentiment_score":-0.03359690308570862}],"sentiment":"neutral","sentiment_score":-0.03359690308570862,"channel":0,"num_words":1,"start":932.035,"end":932.535},{"sentences":[{"text":"Yes.","start":933.255,"end":933.755,"sentiment":"neutral","sentiment_score":-0.01139458641409874}],"sentiment":"neutral","sentiment_score":-0.01139458641409874,"channel":1,"num_words":1,"start":933.255,"end":933.755},{"sentences":[{"text":"war in Iran.","start":933.635,"end":934.45496,"sentiment":"neutral","sentiment_score":-0.05580718318621317},{"text":"And","start":934.915,"end":935.415,"sentiment":"neutral","sentiment_score":-0.0018368996679782867}],"sentiment":"neutral","sentiment_score":-0.04231461230665445,"channel":0,"num_words":4,"start":933.635,"end":935.415},{"sentences":[{"text":"Yes.","start":935.09503,"end":935.59503,"sentiment":"neutral","sentiment_score":-0.0033508529886603355}],"sentiment":"neutral","sentiment_score":-0.0033508529886603355,"channel":1,"num_words":1,"start":935.09503,"end":935.59503},{"sentences":[{"text":"if you repeat","start":935.475,"end":936.195,"sentiment":"neutral","sentiment_score":-0.016292339501281578}],"sentiment":"neutral","sentiment_score":-0.016292339501281578,"channel":0,"num_words":3,"start":935.475,"end":936.195},{"sentences":[{"text":"Mhmm.","start":936.0,"end":936.5,"sentiment":"neutral","sentiment_score":-0.013333208858966827}],"sentiment":"neutral","sentiment_score":-0.013333208858966827,"channel":1,"num_words":1,"start":936.0,"end":936.5},{"sentences":[{"text":"that, let's say, fourteen years from now, you've got almost one market cycle to get as much growth as possible.","start":936.195,"end":942.34,"sentiment":"neutral","sentiment_score":-0.02025742563419044},{"text":"You'd","start":942.72003,"end":943.04,"sentiment":"neutral","sentiment_score":-0.07577744871377945}],"sentiment":"neutral","sentiment_score":-0.022901236257028012,"channel":0,"num_words":21,"start":936.195,"end":943.04},{"sentences":[{"text":"Yep.","start":942.96,"end":943.46,"sentiment":"neutral","sentiment_score":-0.10525896400213242}],"sentiment":"neutral","sentiment_score":-0.10525896400213242,"channel":1,"num_words":1,"start":942.96,"end":943.46},{"sentences":[{"text":"probably don't wanna be high risk at the age of 62","start":943.04,"end":946.1,"sentiment":"neutral","sentiment_score":-0.24559402736750516}],"sentiment":"neutral","sentiment_score":-0.24559402736750516,"channel":0,"num_words":11,"start":943.04,"end":946.1},{"sentences":[{"text":"Yes.","start":946.0,"end":946.5,"sentiment":"neutral","sentiment_score":-0.12443060427904128}],"sentiment":"neutral","sentiment_score":-0.12443060427904128,"channel":1,"num_words":1,"start":946.0,"end":946.5},{"sentences":[{"text":"and lose","start":946.24,"end":946.8,"sentiment":"neutral","sentiment_score":-0.16710521280765533}],"sentiment":"neutral","sentiment_score":-0.16710521280765533,"channel":0,"num_words":2,"start":946.24,"end":946.8},{"sentences":[{"text":"Mhmm.","start":946.64,"end":947.14,"sentiment":"neutral","sentiment_score":-0.14050137996673584}],"sentiment":"neutral","sentiment_score":-0.14050137996673584,"channel":1,"num_words":1,"start":946.64,"end":947.14},{"sentences":[{"text":"half your super to a stock market crash just","start":946.8,"end":949.12,"sentiment":"neutral","sentiment_score":-0.25411663121647304}],"sentiment":"neutral","sentiment_score":-0.25411663121647304,"channel":0,"num_words":9,"start":946.8,"end":949.12},{"sentences":[{"text":"Yep.","start":948.96,"end":949.46,"sentiment":"neutral","sentiment_score":-0.16229484975337982}],"sentiment":"neutral","sentiment_score":-0.16229484975337982,"channel":1,"num_words":1,"start":948.96,"end":949.46},{"sentences":[{"text":"before retirement.","start":949.12,"end":949.92,"sentiment":"neutral","sentiment_score":-0.1898820623755455},{"text":"Do you know what I mean?","start":949.92,"end":950.835,"sentiment":"neutral","sentiment_score":-0.06735114008188248}],"sentiment":"neutral","sentiment_score":-0.09798387065529823,"channel":0,"num_words":8,"start":949.12,"end":950.835},{"sentences":[{"text":"Yep.","start":950.865,"end":951.26495,"sentiment":"neutral","sentiment_score":0.1675618290901184},{"text":"Absolutely.","start":951.26495,"end":951.76495,"sentiment":"neutral","sentiment_score":0.33232131600379944},{"text":"Mhmm.","start":952.14496,"end":952.64496,"sentiment":"neutral","sentiment_score":0.21599213778972623}],"sentiment":"neutral","sentiment_score":0.23862509429454803,"channel":1,"num_words":3,"start":950.865,"end":952.64496},{"sentences":[{"text":"So it's like we can grow it for one cycle and then slowly reduce the risk for the second cycle, and that","start":952.195,"end":958.35504,"sentiment":"neutral","sentiment_score":0.19475170665166594}],"sentiment":"neutral","sentiment_score":0.19475170665166594,"channel":0,"num_words":22,"start":952.195,"end":958.35504},{"sentences":[{"text":"Yep.","start":958.14496,"end":958.64496,"sentiment":"neutral","sentiment_score":0.2546641230583191}],"sentiment":"neutral","sentiment_score":0.2546641230583191,"channel":1,"num_words":1,"start":958.14496,"end":958.64496},{"sentences":[{"text":"could look like going from 90 to a 100% in growth assets like shares and property, and then","start":958.35504,"end":965.11005,"sentiment":"neutral","sentiment_score":0.20678697526454926}],"sentiment":"neutral","sentiment_score":0.20678697526454926,"channel":0,"num_words":18,"start":958.35504,"end":965.11005},{"sentences":[{"text":"Mhmm.","start":965.09,"end":965.59,"sentiment":"neutral","sentiment_score":0.09029868245124816}],"sentiment":"neutral","sentiment_score":0.09029868245124816,"channel":1,"num_words":1,"start":965.09,"end":965.59},{"sentences":[{"text":"gradually trim that down the last seven years, eighty, seventy, 60, 40%, and then","start":965.11005,"end":971.35004,"sentiment":"neutral","sentiment_score":0.08192345633038453}],"sentiment":"neutral","sentiment_score":0.08192345633038453,"channel":0,"num_words":14,"start":965.11005,"end":971.35004},{"sentences":[{"text":"Yep.","start":971.33,"end":971.83,"sentiment":"neutral","sentiment_score":0.07328654080629349}],"sentiment":"neutral","sentiment_score":0.07328654080629349,"channel":1,"num_words":1,"start":971.33,"end":971.83},{"sentences":[{"text":"there's your pension account in your sixties to live off.","start":971.35004,"end":974.25,"sentiment":"neutral","sentiment_score":0.06757245473563671}],"sentiment":"neutral","sentiment_score":0.06757245473563671,"channel":0,"num_words":10,"start":971.35004,"end":974.25},{"sentences":[{"text":"Okay.","start":973.81,"end":974.31,"sentiment":"neutral","sentiment_score":0.13530442118644714},{"text":"Yep.","start":974.45,"end":974.95,"sentiment":"neutral","sentiment_score":0.10710664093494417}],"sentiment":"neutral","sentiment_score":0.12120553106069565,"channel":1,"num_words":2,"start":973.81,"end":974.95},{"sentences":[{"text":"Okay?","start":975.75,"end":976.25,"sentiment":"neutral","sentiment_score":0.09147413820028304},{"text":"So as long as you're okay to go kind of ride through the waves a little bit, use your contributions from work as a bit of a a buy in, bit of","start":976.39,"end":985.575,"sentiment":"neutral","sentiment_score":0.2073917812667787}],"sentiment":"neutral","sentiment_score":0.20387912541627884,"channel":0,"num_words":33,"start":975.75,"end":985.575},{"sentences":[{"text":"Yep.","start":985.505,"end":985.745,"sentiment":"neutral","sentiment_score":0.13737325370311737}],"sentiment":"neutral","sentiment_score":0.13737325370311737,"channel":1,"num_words":1,"start":985.505,"end":985.745},{"sentences":[{"text":"a buying","start":985.575,"end":986.055,"sentiment":"neutral","sentiment_score":0.12463527172803879}],"sentiment":"neutral","sentiment_score":0.12463527172803879,"channel":0,"num_words":2,"start":985.575,"end":986.055},{"sentences":[{"text":"Yes.","start":985.745,"end":986.245,"sentiment":"neutral","sentiment_score":0.1730126142501831}],"sentiment":"neutral","sentiment_score":0.1730126142501831,"channel":1,"num_words":1,"start":985.745,"end":986.245},{"sentences":[{"text":"opportunity whenever there's a dip, that would","start":986.055,"end":988.135,"sentiment":"neutral","sentiment_score":0.16306086097444808}],"sentiment":"neutral","sentiment_score":0.16306086097444808,"channel":0,"num_words":7,"start":986.055,"end":988.135},{"sentences":[{"text":"Yep.","start":987.905,"end":988.405,"sentiment":"neutral","sentiment_score":0.1242254227399826}],"sentiment":"neutral","sentiment_score":0.1242254227399826,"channel":1,"num_words":1,"start":987.905,"end":988.405},{"sentences":[{"text":"be the growth cycle that we're trying to do.","start":988.135,"end":990.39,"sentiment":"neutral","sentiment_score":0.12877619680431154}],"sentiment":"neutral","sentiment_score":0.12877619680431154,"channel":0,"num_words":9,"start":988.135,"end":990.39},{"sentences":[{"text":"Mhmm.","start":990.785,"end":991.2,"sentiment":"neutral","sentiment_score":0.058094803243875504},{"text":"Yep.","start":991.52,"end":992.02,"sentiment":"neutral","sentiment_score":0.13287176191806793}],"sentiment":"neutral","sentiment_score":0.09548328258097172,"channel":1,"num_words":2,"start":990.785,"end":992.02},{"sentences":[{"text":"Perfect.","start":992.07,"end":992.47003,"sentiment":"positive","sentiment_score":0.454853355884552},{"text":"Perfect.","start":992.47003,"end":992.97003,"sentiment":"positive","sentiment_score":0.4115696549415589},{"text":"So I'm just having a look at the Netwealth account now.","start":993.11,"end":996.87,"sentiment":"neutral","sentiment_score":0.1053560430353338},{"text":"Have you do you log in every every now and then?","start":996.87,"end":999.19,"sentiment":"neutral","sentiment_score":0.024127349342134865},{"text":"Or","start":999.19,"end":999.35004,"sentiment":"neutral","sentiment_score":0.002223489806056022}],"sentiment":"neutral","sentiment_score":0.0917185526713729,"channel":0,"num_words":25,"start":992.07,"end":999.35004},{"sentences":[{"text":"Yeah.","start":999.76,"end":1000.16003,"sentiment":"neutral","sentiment_score":-0.018883224576711655},{"text":"Not not as much as I should.","start":1000.16003,"end":1001.94,"sentiment":"neutral","sentiment_score":-0.14493054577282496},{"text":"I","start":1002.4,"end":1002.72003,"sentiment":"neutral","sentiment_score":-0.09297896921634674}],"sentiment":"neutral","sentiment_score":-0.12515289046698147,"channel":1,"num_words":9,"start":999.76,"end":1002.72003},{"sentences":[{"text":"No.","start":1002.565,"end":1002.80505,"sentiment":"neutral","sentiment_score":-0.1270008236169815}],"sentiment":"neutral","sentiment_score":-0.1270008236169815,"channel":0,"num_words":1,"start":1002.565,"end":1002.80505},{"sentences":[{"text":"did","start":1002.72003,"end":1002.96,"sentiment":"neutral","sentiment_score":-0.09106148779392242}],"sentiment":"neutral","sentiment_score":-0.09106148779392242,"channel":1,"num_words":1,"start":1002.72003,"end":1002.96},{"sentences":[{"text":"It's okay.","start":1002.80505,"end":1003.385,"sentiment":"neutral","sentiment_score":-0.09977471083402634}],"sentiment":"neutral","sentiment_score":-0.09977471083402634,"channel":0,"num_words":2,"start":1002.80505,"end":1003.385},{"sentences":[{"text":"a raise of less.","start":1002.96,"end":1004.10004,"sentiment":"neutral","sentiment_score":-0.18275078758597374}],"sentiment":"neutral","sentiment_score":-0.18275078758597374,"channel":1,"num_words":4,"start":1002.96,"end":1004.10004},{"sentences":[{"text":"There's a lot of people that tend to watch it daily and panic themselves every time","start":1004.325,"end":1009.125,"sentiment":"neutral","sentiment_score":-0.160878861322999}],"sentiment":"neutral","sentiment_score":-0.160878861322999,"channel":0,"num_words":16,"start":1004.325,"end":1009.125},{"sentences":[{"text":"Oh,","start":1008.935,"end":1009.175,"sentiment":"neutral","sentiment_score":-0.09608321636915208}],"sentiment":"neutral","sentiment_score":-0.09608321636915208,"channel":1,"num_words":1,"start":1008.935,"end":1009.175},{"sentences":[{"text":"there's","start":1009.125,"end":1009.28503,"sentiment":"neutral","sentiment_score":-0.10441433638334274}],"sentiment":"neutral","sentiment_score":-0.10441433638334274,"channel":0,"num_words":1,"start":1009.125,"end":1009.28503},{"sentences":[{"text":"wow.","start":1009.175,"end":1009.675,"sentiment":"neutral","sentiment_score":-0.017319753766059875}],"sentiment":"neutral","sentiment_score":-0.017319753766059875,"channel":1,"num_words":1,"start":1009.175,"end":1009.675},{"sentences":[{"text":"a news article and their super","start":1009.28503,"end":1010.72504,"sentiment":"neutral","sentiment_score":-0.045181666811307274}],"sentiment":"neutral","sentiment_score":-0.045181666811307274,"channel":0,"num_words":6,"start":1009.28503,"end":1010.72504},{"sentences":[{"text":"Yes.","start":1010.615,"end":1011.115,"sentiment":"neutral","sentiment_score":-0.02249635010957718}],"sentiment":"neutral","sentiment_score":-0.02249635010957718,"channel":1,"num_words":1,"start":1010.615,"end":1011.115},{"sentences":[{"text":"fund shoots up and down a few thousand dollars.","start":1010.72504,"end":1013.36505,"sentiment":"neutral","sentiment_score":-0.055812289317448936},{"text":"So I wouldn't go too crazy with it, but a bit of","start":1013.36505,"end":1016.48505,"sentiment":"neutral","sentiment_score":-0.058160754231115185}],"sentiment":"neutral","sentiment_score":-0.057154269268115364,"channel":0,"num_words":21,"start":1010.72504,"end":1016.48505},{"sentences":[{"text":"Mhmm.","start":1016.375,"end":1016.875,"sentiment":"neutral","sentiment_score":0.04087141901254654}],"sentiment":"neutral","sentiment_score":0.04087141901254654,"channel":1,"num_words":1,"start":1016.375,"end":1016.875},{"sentences":[{"text":"visibility is always nice.","start":1016.48505,"end":1018.10504,"sentiment":"neutral","sentiment_score":0.30571363866329193},{"text":"Now when it comes to the options that you've got, do you recall anything about what you're invested in, risk levels, that kind of thing?","start":1020.28,"end":1027.34,"sentiment":"neutral","sentiment_score":-0.013469418026506901}],"sentiment":"neutral","sentiment_score":0.030555831172086042,"channel":0,"num_words":29,"start":1016.48505,"end":1027.34},{"sentences":[{"text":"I no.","start":1028.55,"end":1031.2101,"sentiment":"neutral","sentiment_score":-0.17375245690345764}],"sentiment":"neutral","sentiment_score":-0.17375245690345764,"channel":1,"num_words":2,"start":1028.55,"end":1031.2101},{"sentences":[{"text":"No.","start":1031.975,"end":1032.215,"sentiment":"neutral","sentiment_score":-0.1855948567390442},{"text":"That's okay.","start":1032.215,"end":1032.955,"sentiment":"neutral","sentiment_score":-0.119165800511837}],"sentiment":"neutral","sentiment_score":-0.1413088192542394,"channel":0,"num_words":3,"start":1031.975,"end":1032.955},{"sentences":[{"text":"Exactly.","start":1032.55,"end":1033.05,"sentiment":"neutral","sentiment_score":-0.026432082056999207},{"text":"Yeah.","start":1033.1901,"end":1033.6901,"sentiment":"neutral","sentiment_score":-0.045404814183712006},{"text":"I think it was yeah.","start":1033.91,"end":1034.79,"sentiment":"neutral","sentiment_score":-0.11164356470108032},{"text":"Like, at higher risk at the moment.","start":1034.79,"end":1037.075,"sentiment":"neutral","sentiment_score":-0.1784181935446603},{"text":"Yep.","start":1038.255,"end":1038.755,"sentiment":"neutral","sentiment_score":0.005951453931629658}],"sentiment":"neutral","sentiment_score":-0.12486870804180701,"channel":1,"num_words":15,"start":1032.55,"end":1038.755},{"sentences":[{"text":"Yeah.","start":1038.695,"end":1039.095,"sentiment":"neutral","sentiment_score":0.02616039849817753},{"text":"Pretty","start":1039.095,"end":1039.335,"sentiment":"neutral","sentiment_score":0.026301182806491852}],"sentiment":"neutral","sentiment_score":0.02623079065233469,"channel":0,"num_words":2,"start":1038.695,"end":1039.335},{"sentences":[{"text":"Yeah.","start":1039.135,"end":1039.495,"sentiment":"neutral","sentiment_score":-0.01779302768409252}],"sentiment":"neutral","sentiment_score":-0.01779302768409252,"channel":1,"num_words":1,"start":1039.135,"end":1039.495},{"sentences":[{"text":"much","start":1039.335,"end":1039.735,"sentiment":"neutral","sentiment_score":0.01030367985367775}],"sentiment":"neutral","sentiment_score":0.01030367985367775,"channel":0,"num_words":1,"start":1039.335,"end":1039.735},{"sentences":[{"text":"Could","start":1039.495,"end":1039.855,"sentiment":"neutral","sentiment_score":0.014898959547281264}],"sentiment":"neutral","sentiment_score":0.014898959547281264,"channel":1,"num_words":1,"start":1039.495,"end":1039.855},{"sentences":[{"text":"everything you've got is a split between international shares, Australian shares, and gold, which is your alternative.","start":1039.735,"end":1046.6201,"sentiment":"neutral","sentiment_score":0.02088825810043251}],"sentiment":"neutral","sentiment_score":0.02088825810043251,"channel":0,"num_words":17,"start":1039.735,"end":1046.6201},{"sentences":[{"text":"Yep.","start":1046.175,"end":1046.675,"sentiment":"neutral","sentiment_score":0.11289964616298676}],"sentiment":"neutral","sentiment_score":0.11289964616298676,"channel":1,"num_words":1,"start":1046.175,"end":1046.675},{"sentences":[{"text":"That's","start":1047.4,"end":1047.7201,"sentiment":"neutral","sentiment_score":0.13831838965415957}],"sentiment":"neutral","sentiment_score":0.13831838965415957,"channel":0,"num_words":1,"start":1047.4,"end":1047.7201},{"sentences":[{"text":"Okay.","start":1047.615,"end":1048.115,"sentiment":"neutral","sentiment_score":0.18511037528514865}],"sentiment":"neutral","sentiment_score":0.18511037528514865,"channel":1,"num_words":1,"start":1047.615,"end":1048.115},{"sentences":[{"text":"your sort of high growth mix at the moment.","start":1047.7201,"end":1050.2201,"sentiment":"neutral","sentiment_score":0.21035821073585087}],"sentiment":"neutral","sentiment_score":0.21035821073585087,"channel":0,"num_words":9,"start":1047.7201,"end":1050.2201},{"sentences":[{"text":"Yeah.","start":1050.39,"end":1050.5499,"sentiment":"neutral","sentiment_score":0.033968500792980194},{"text":"I pity it was an oil.","start":1050.5499,"end":1051.85,"sentiment":"neutral","sentiment_score":-0.22848512729008993}],"sentiment":"neutral","sentiment_score":-0.19099175184965134,"channel":1,"num_words":7,"start":1050.39,"end":1051.85},{"sentences":[{"text":"Yeah.","start":1052.76,"end":1053.16,"sentiment":"neutral","sentiment_score":-0.021395934745669365},{"text":"There's definitely a few companies in there benefiting from that, but, yeah, a bit of crude oil would be nice to","start":1053.16,"end":1058.28,"sentiment":"neutral","sentiment_score":0.03799667244865781}],"sentiment":"neutral","sentiment_score":0.0352970084852793,"channel":0,"num_words":22,"start":1052.76,"end":1058.28},{"sentences":[{"text":"Yeah.","start":1058.23,"end":1058.73,"sentiment":"neutral","sentiment_score":0.021106064319610596}],"sentiment":"neutral","sentiment_score":0.021106064319610596,"channel":1,"num_words":1,"start":1058.23,"end":1058.73},{"sentences":[{"text":"track that price.","start":1058.28,"end":1059.26,"sentiment":"neutral","sentiment_score":0.03019926759103934}],"sentiment":"neutral","sentiment_score":0.03019926759103934,"channel":0,"num_words":3,"start":1058.28,"end":1059.26},{"sentences":[{"text":"Yeah.","start":1059.4299,"end":1059.9299,"sentiment":"neutral","sentiment_score":0.1844080090522766}],"sentiment":"neutral","sentiment_score":0.1844080090522766,"channel":1,"num_words":1,"start":1059.4299,"end":1059.9299},{"sentences":[{"text":"Absolutely.","start":1059.7201,"end":1060.2201,"sentiment":"positive","sentiment_score":0.4871481955051422},{"text":"Most of the options have done fantastic.","start":1061.775,"end":1063.635,"sentiment":"positive","sentiment_score":0.6519862498555865},{"text":"Out of the you've got five, six, seven, eight main options.","start":1063.855,"end":1068.675,"sentiment":"neutral","sentiment_score":0.29449945417317475}],"sentiment":"positive","sentiment_score":0.43634452317890365,"channel":0,"num_words":19,"start":1059.7201,"end":1068.675},{"sentences":[{"text":"Mhmm.","start":1069.215,"end":1069.715,"sentiment":"neutral","sentiment_score":0.13822266459465027}],"sentiment":"neutral","sentiment_score":0.13822266459465027,"channel":1,"num_words":1,"start":1069.215,"end":1069.715},{"sentences":[{"text":"Seven of them have gone up double digits.","start":1070.0951,"end":1072.755,"sentiment":"neutral","sentiment_score":0.1834274111315608},{"text":"So high growth, you're aiming for about 10% or above as an average long term return.","start":1072.8151,"end":1077.63,"sentiment":"neutral","sentiment_score":0.2669710125774145},{"text":"You've got gold up 25.","start":1078.33,"end":1080.4299,"sentiment":"neutral","sentiment_score":0.23193131983280182},{"text":"Europe's up 14.","start":1080.73,"end":1081.95,"sentiment":"neutral","sentiment_score":0.08715055882930756},{"text":"Japan's up 21%.","start":1082.65,"end":1084.41,"sentiment":"neutral","sentiment_score":0.08953378101189931}],"sentiment":"neutral","sentiment_score":0.21224757454224996,"channel":0,"num_words":35,"start":1070.0951,"end":1084.41},{"sentences":[{"text":"Thank you, Japan, for coming back the last couple of years, and","start":1084.41,"end":1088.25,"sentiment":"positive","sentiment_score":0.4819585184256236}],"sentiment":"positive","sentiment_score":0.4819585184256236,"channel":0,"num_words":12,"start":1084.41,"end":1088.25},{"sentences":[{"text":"Yeah.","start":1088.03,"end":1088.53,"sentiment":"positive","sentiment_score":0.4001835584640503}],"sentiment":"positive","sentiment_score":0.4001835584640503,"channel":1,"num_words":1,"start":1088.03,"end":1088.53},{"sentences":[{"text":"your international shares have gone up 11% as well.","start":1088.25,"end":1091.085,"sentiment":"positive","sentiment_score":0.42937442660331726},{"text":"So that's all doing good.","start":1091.725,"end":1093.325,"sentiment":"positive","sentiment_score":0.5619183421134949},{"text":"There was a change that we made to your portfolio.","start":1093.325,"end":1095.4249,"sentiment":"neutral","sentiment_score":0.026387880742549896},{"text":"Did you receive an email from us in the last couple of months?","start":1095.565,"end":1099.565,"sentiment":"neutral","sentiment_score":-0.0069295733880538205},{"text":"Do you remember seeing an email from us?","start":1099.565,"end":1101.505,"sentiment":"neutral","sentiment_score":-0.010770577471703291}],"sentiment":"neutral","sentiment_score":0.15025758408010007,"channel":0,"num_words":45,"start":1088.25,"end":1101.505},{"sentences":[{"text":"Not off the top of my head.","start":1102.405,"end":1104.025,"sentiment":"neutral","sentiment_score":-0.047631031168358665}],"sentiment":"neutral","sentiment_score":-0.047631031168358665,"channel":1,"num_words":7,"start":1102.405,"end":1104.025},{"sentences":[{"text":"That's","start":1105.73,"end":1106.05,"sentiment":"neutral","sentiment_score":0.011851063929498196}],"sentiment":"neutral","sentiment_score":0.011851063929498196,"channel":0,"num_words":1,"start":1105.73,"end":1106.05},{"sentences":[{"text":"I can","start":1105.8201,"end":1106.06,"sentiment":"neutral","sentiment_score":0.025701796635985374}],"sentiment":"neutral","sentiment_score":0.025701796635985374,"channel":1,"num_words":2,"start":1105.8201,"end":1106.06},{"sentences":[{"text":"okay.","start":1106.05,"end":1106.45,"sentiment":"neutral","sentiment_score":0.04708605632185936}],"sentiment":"neutral","sentiment_score":0.04708605632185936,"channel":0,"num_words":1,"start":1106.05,"end":1106.45},{"sentences":[{"text":"have a look.","start":1106.06,"end":1106.8,"sentiment":"neutral","sentiment_score":0.04184593011935552}],"sentiment":"neutral","sentiment_score":0.04184593011935552,"channel":1,"num_words":3,"start":1106.06,"end":1106.8},{"sentences":[{"text":"I'll kind of explain what change","start":1106.45,"end":1108.05,"sentiment":"neutral","sentiment_score":0.00970531286050876}],"sentiment":"neutral","sentiment_score":0.00970531286050876,"channel":0,"num_words":6,"start":1106.45,"end":1108.05},{"sentences":[{"text":"Oh, yep.","start":1107.74,"end":1108.48,"sentiment":"neutral","sentiment_score":-0.0046303903218358755}],"sentiment":"neutral","sentiment_score":-0.0046303903218358755,"channel":1,"num_words":2,"start":1107.74,"end":1108.48},{"sentences":[{"text":"we made.","start":1108.05,"end":1108.79,"sentiment":"neutral","sentiment_score":-0.000532768666744232},{"text":"Normally, when we go through reviews, we go through all of your options, make sure they're all performing well.","start":1109.49,"end":1115.51,"sentiment":"neutral","sentiment_score":-0.01227224121899589},{"text":"If there's three or four of them that are doing badly, we need to rebalance your whole portfolio.","start":1115.65,"end":1120.915,"sentiment":"neutral","sentiment_score":-0.1632668860256672},{"text":"If it's","start":1121.455,"end":1121.855,"sentiment":"neutral","sentiment_score":-0.021903708577156067}],"sentiment":"neutral","sentiment_score":-0.0784597435636764,"channel":0,"num_words":41,"start":1108.05,"end":1121.855},{"sentences":[{"text":"Yes.","start":1121.665,"end":1122.165,"sentiment":"neutral","sentiment_score":-0.0122103588655591}],"sentiment":"neutral","sentiment_score":-0.0122103588655591,"channel":1,"num_words":1,"start":1121.665,"end":1122.165},{"sentences":[{"text":"just one, we tend to track it for a while, and we may do some advice to switch it out if we need to.","start":1121.855,"end":1127.635,"sentiment":"neutral","sentiment_score":-0.04679867532104254}],"sentiment":"neutral","sentiment_score":-0.04679867532104254,"channel":0,"num_words":24,"start":1121.855,"end":1127.635},{"sentences":[{"text":"Gotcha.","start":1127.5851,"end":1128.0851,"sentiment":"neutral","sentiment_score":-0.053443413227796555},{"text":"Yes.","start":1128.2251,"end":1128.7251,"sentiment":"neutral","sentiment_score":-0.061017006635665894}],"sentiment":"neutral","sentiment_score":-0.057230209931731224,"channel":1,"num_words":2,"start":1127.5851,"end":1128.7251},{"sentences":[{"text":"What happened in this case was something a little bit more extreme than that.","start":1129.07,"end":1133.15,"sentiment":"neutral","sentiment_score":-0.2560288395200457},{"text":"So your Australian shares option, one of them, had kind of shot off downwards away from the rest of the pack and","start":1133.15,"end":1141.07,"sentiment":"negative","sentiment_score":-0.34103429452939465}],"sentiment":"neutral","sentiment_score":-0.3079766175813145,"channel":0,"num_words":36,"start":1129.07,"end":1141.07},{"sentences":[{"text":"Yep.","start":1140.7999,"end":1141.2999,"sentiment":"neutral","sentiment_score":-0.248244971036911}],"sentiment":"neutral","sentiment_score":-0.248244971036911,"channel":1,"num_words":1,"start":1140.7999,"end":1141.2999},{"sentences":[{"text":"away from the Australian market.","start":1141.07,"end":1142.43,"sentiment":"neutral","sentiment_score":-0.3097235202789307},{"text":"So it just started going down, and it wasn't bouncing back in amongst everybody else.","start":1142.43,"end":1147.6951,"sentiment":"neutral","sentiment_score":-0.31969918608665465}],"sentiment":"neutral","sentiment_score":-0.3172052696347237,"channel":0,"num_words":20,"start":1141.07,"end":1147.6951},{"sentences":[{"text":"Yep.","start":1147.7749,"end":1148.2749,"sentiment":"neutral","sentiment_score":-0.03213052079081535}],"sentiment":"neutral","sentiment_score":-0.03213052079081535,"channel":1,"num_words":1,"start":1147.7749,"end":1148.2749},{"sentences":[{"text":"So on a licensee level, our investment committee made the decision to do a sweeping change across all client","start":1148.875,"end":1155.915,"sentiment":"neutral","sentiment_score":-0.010644135800631423}],"sentiment":"neutral","sentiment_score":-0.010644135800631423,"channel":0,"num_words":19,"start":1148.875,"end":1155.915},{"sentences":[{"text":"Yep.","start":1155.695,"end":1156.195,"sentiment":"neutral","sentiment_score":-0.03634902834892273}],"sentiment":"neutral","sentiment_score":-0.03634902834892273,"channel":1,"num_words":1,"start":1155.695,"end":1156.195},{"sentences":[{"text":"accounts rather than wait for us to go through the review,","start":1155.915,"end":1159.13,"sentiment":"neutral","sentiment_score":-0.003000805154442787}],"sentiment":"neutral","sentiment_score":-0.003000805154442787,"channel":0,"num_words":11,"start":1155.915,"end":1159.13},{"sentences":[{"text":"Yep.","start":1158.975,"end":1159.475,"sentiment":"neutral","sentiment_score":0.03207781910896301}],"sentiment":"neutral","sentiment_score":0.03207781910896301,"channel":1,"num_words":1,"start":1158.975,"end":1159.475},{"sentences":[{"text":"wait for","start":1159.27,"end":1159.6699,"sentiment":"neutral","sentiment_score":0.0010820720344781876}],"sentiment":"neutral","sentiment_score":0.0010820720344781876,"channel":0,"num_words":2,"start":1159.27,"end":1159.6699},{"sentences":[{"text":"Yes.","start":1159.615,"end":1160.07,"sentiment":"neutral","sentiment_score":0.006647069007158279}],"sentiment":"neutral","sentiment_score":0.006647069007158279,"channel":1,"num_words":1,"start":1159.615,"end":1160.07},{"sentences":[{"text":"us to update the advice because it was kind of that extreme of a situation.","start":1159.6699,"end":1163.61,"sentiment":"neutral","sentiment_score":-0.1382097378373146}],"sentiment":"neutral","sentiment_score":-0.1382097378373146,"channel":0,"num_words":15,"start":1159.6699,"end":1163.61},{"sentences":[{"text":"No.","start":1164.23,"end":1164.47,"sentiment":"neutral","sentiment_score":-0.2213691473007202},{"text":"That's good.","start":1164.47,"end":1165.21,"sentiment":"neutral","sentiment_score":-0.01557081751525402}],"sentiment":"neutral","sentiment_score":-0.08417026077707608,"channel":1,"num_words":3,"start":1164.23,"end":1165.21},{"sentences":[{"text":"So what happened was that was dropping at about 11% even though most Aussie funds were up a couple of percent for the year.","start":1165.59,"end":1173.265,"sentiment":"neutral","sentiment_score":-0.22951529982189336}],"sentiment":"neutral","sentiment_score":-0.22951529982189336,"channel":0,"num_words":24,"start":1165.59,"end":1173.265},{"sentences":[{"text":"Mhmm.","start":1173.0299,"end":1173.5299,"sentiment":"neutral","sentiment_score":0.03010091558098793},{"text":"Yep.","start":1173.6699,"end":1174.1699,"sentiment":"neutral","sentiment_score":0.1352575421333313}],"sentiment":"neutral","sentiment_score":0.08267922885715961,"channel":1,"num_words":2,"start":1173.0299,"end":1174.1699},{"sentences":[{"text":"And we've since sold out of that pretty recently for you into just a standard a 200 ETF, so much, much lower fees, and","start":1174.205,"end":1183.3251,"sentiment":"neutral","sentiment_score":0.2944646781931321}],"sentiment":"neutral","sentiment_score":0.2944646781931321,"channel":0,"num_words":24,"start":1174.205,"end":1183.3251},{"sentences":[{"text":"Mhmm.","start":1183.215,"end":1183.2949,"sentiment":"neutral","sentiment_score":0.1711317002773285},{"text":"Yep.","start":1183.2949,"end":1183.7949,"sentiment":"neutral","sentiment_score":0.2621113061904907}],"sentiment":"neutral","sentiment_score":0.2166215032339096,"channel":1,"num_words":2,"start":1183.215,"end":1183.7949},{"sentences":[{"text":"it's already bounced back three or 4%.","start":1183.3251,"end":1185.505,"sentiment":"neutral","sentiment_score":0.330362537077495}],"sentiment":"neutral","sentiment_score":0.330362537077495,"channel":0,"num_words":7,"start":1183.3251,"end":1185.505},{"sentences":[{"text":"Okay.","start":1185.7749,"end":1186.2749,"sentiment":"neutral","sentiment_score":0.2371031492948532}],"sentiment":"neutral","sentiment_score":0.2371031492948532,"channel":1,"num_words":1,"start":1185.7749,"end":1186.2749},{"sentences":[{"text":"So as far as my view of it, you're still hitting those long term average returns.","start":1187.67,"end":1192.15,"sentiment":"positive","sentiment_score":0.43544112890958786},{"text":"You're still up a few percent a year even though the stock market's been plummeting.","start":1192.15,"end":1195.61,"sentiment":"neutral","sentiment_score":0.2171231930454572},{"text":"All of the options have now been kind of fixed,","start":1196.39,"end":1198.89,"sentiment":"neutral","sentiment_score":0.08843018263578414}],"sentiment":"neutral","sentiment_score":0.27093189718519767,"channel":0,"num_words":41,"start":1187.67,"end":1198.89},{"sentences":[{"text":"Yeah.","start":1198.79,"end":1199.27,"sentiment":"neutral","sentiment_score":0.17828324437141418},{"text":"Okay.","start":1199.27,"end":1199.77,"sentiment":"neutral","sentiment_score":0.22663526237010956}],"sentiment":"neutral","sentiment_score":0.20245925337076187,"channel":1,"num_words":2,"start":1198.79,"end":1199.77},{"sentences":[{"text":"and they're all performing the way they should be.","start":1200.0951,"end":1202.1951,"sentiment":"positive","sentiment_score":0.40357935594187844},{"text":"So the only real changes we could consider is, a, putting more contributions in, but, again, cash flow is a bit tight for you at the moment,","start":1204.415,"end":1212.435,"sentiment":"neutral","sentiment_score":-0.11440070359795182}],"sentiment":"neutral","sentiment_score":0.015094311287005743,"channel":0,"num_words":36,"start":1200.0951,"end":1212.435},{"sentences":[{"text":"Mhmm.","start":1212.4851,"end":1212.7251,"sentiment":"neutral","sentiment_score":-0.03740847855806351},{"text":"Yep.","start":1212.7251,"end":1213.2251,"sentiment":"neutral","sentiment_score":-0.01851944997906685}],"sentiment":"neutral","sentiment_score":-0.027963964268565178,"channel":1,"num_words":2,"start":1212.4851,"end":1213.2251},{"sentences":[{"text":"or changing risk level.","start":1214.16,"end":1215.6799,"sentiment":"neutral","sentiment_score":-0.08978275023400784},{"text":"So I do just need to double check that you're okay for that sort of high growth approach still.","start":1215.6799,"end":1220.1799,"sentiment":"neutral","sentiment_score":-0.009389569174106183}],"sentiment":"neutral","sentiment_score":-0.02337099196713256,"channel":0,"num_words":23,"start":1214.16,"end":1220.1799},{"sentences":[{"text":"Yep.","start":1220.58,"end":1221.08,"sentiment":"neutral","sentiment_score":-0.005684363655745983},{"text":"It's hard to say.","start":1222.18,"end":1223.48,"sentiment":"neutral","sentiment_score":-0.1112413089722395},{"text":"Yeah.","start":1225.995,"end":1226.495,"sentiment":"neutral","sentiment_score":-0.11144671589136124},{"text":"It's a gamble, isn't it, really?","start":1227.115,"end":1229.055,"sentiment":"neutral","sentiment_score":-0.13069471220175424},{"text":"I mean, because I well, I'm turning 50 this year.","start":1229.355,"end":1232.895,"sentiment":"neutral","sentiment_score":-0.036481420323252675}],"sentiment":"neutral","sentiment_score":-0.07777630872177807,"channel":1,"num_words":22,"start":1220.58,"end":1232.895},{"sentences":[{"text":"So","start":1232.955,"end":1233.455,"sentiment":"neutral","sentiment_score":-0.004150819033384323}],"sentiment":"neutral","sentiment_score":-0.004150819033384323,"channel":1,"num_words":1,"start":1232.955,"end":1233.455},{"sentences":[{"text":"Yep.","start":1234.0549,"end":1234.5549,"sentiment":"neutral","sentiment_score":0.009738742373883724}],"sentiment":"neutral","sentiment_score":0.009738742373883724,"channel":0,"num_words":1,"start":1234.0549,"end":1234.5549},{"sentences":[{"text":"yeah.","start":1234.715,"end":1235.215,"sentiment":"neutral","sentiment_score":-0.009644446894526482},{"text":"Hard to say.","start":1236.3151,"end":1237.295,"sentiment":"neutral","sentiment_score":-0.05144526188572248}],"sentiment":"neutral","sentiment_score":-0.04099505813792348,"channel":1,"num_words":4,"start":1234.715,"end":1237.295},{"sentences":[{"text":"Now this may help you a little bit, and I'm not trying","start":1238.07,"end":1240.71,"sentiment":"neutral","sentiment_score":-0.0024368930608034134}],"sentiment":"neutral","sentiment_score":-0.0024368930608034134,"channel":0,"num_words":12,"start":1238.07,"end":1240.71},{"sentences":[{"text":"Yeah.","start":1240.4501,"end":1240.9501,"sentiment":"neutral","sentiment_score":-0.025938892737030983}],"sentiment":"neutral","sentiment_score":-0.025938892737030983,"channel":1,"num_words":1,"start":1240.4501,"end":1240.9501},{"sentences":[{"text":"to kind of steer you in either direction.","start":1240.71,"end":1242.49,"sentiment":"neutral","sentiment_score":-0.03252107836306095},{"text":"But if we're trying to get as much growth out of it as possible, we kind of need to stay","start":1242.5499,"end":1247.45,"sentiment":"neutral","sentiment_score":-0.026994934864342214}],"sentiment":"neutral","sentiment_score":-0.02857383300683328,"channel":0,"num_words":28,"start":1240.71,"end":1247.45},{"sentences":[{"text":"Yeah.","start":1247.49,"end":1247.65,"sentiment":"neutral","sentiment_score":0.025108838453888893},{"text":"So","start":1247.65,"end":1248.05,"sentiment":"neutral","sentiment_score":0.042678747326135635}],"sentiment":"neutral","sentiment_score":0.033893792890012264,"channel":1,"num_words":2,"start":1247.49,"end":1248.05},{"sentences":[{"text":"high growth","start":1247.67,"end":1248.15,"sentiment":"neutral","sentiment_score":0.09250803291797638}],"sentiment":"neutral","sentiment_score":0.09250803291797638,"channel":0,"num_words":2,"start":1247.67,"end":1248.15},{"sentences":[{"text":"yeah.","start":1248.13,"end":1248.63,"sentiment":"neutral","sentiment_score":0.08745705336332321}],"sentiment":"neutral","sentiment_score":0.08745705336332321,"channel":1,"num_words":1,"start":1248.13,"end":1248.63},{"sentences":[{"text":"and average out the returns until you're closer","start":1248.15,"end":1250.41,"sentiment":"neutral","sentiment_score":0.11139750014990568}],"sentiment":"neutral","sentiment_score":0.11139750014990568,"channel":0,"num_words":8,"start":1248.15,"end":1250.41},{"sentences":[{"text":"Yes.","start":1250.85,"end":1251.35,"sentiment":"neutral","sentiment_score":0.09631704539060593}],"sentiment":"neutral","sentiment_score":0.09631704539060593,"channel":1,"num_words":1,"start":1250.85,"end":1251.35},{"sentences":[{"text":"as","start":1251.635,"end":1251.7949,"sentiment":"neutral","sentiment_score":0.06717796623706818}],"sentiment":"neutral","sentiment_score":0.06717796623706818,"channel":0,"num_words":1,"start":1251.635,"end":1251.7949},{"sentences":[{"text":"Okay.","start":1251.645,"end":1251.765,"sentiment":"neutral","sentiment_score":0.11479784548282625},{"text":"You","start":1251.765,"end":1251.885,"sentiment":"neutral","sentiment_score":0.09792390465736388}],"sentiment":"neutral","sentiment_score":0.10636087507009506,"channel":1,"num_words":2,"start":1251.645,"end":1251.885},{"sentences":[{"text":"long as","start":1251.7949,"end":1252.0349,"sentiment":"neutral","sentiment_score":0.14724358916282654}],"sentiment":"neutral","sentiment_score":0.14724358916282654,"channel":0,"num_words":2,"start":1251.7949,"end":1252.0349},{"sentences":[{"text":"know","start":1251.885,"end":1252.125,"sentiment":"neutral","sentiment_score":0.14884862303733826}],"sentiment":"neutral","sentiment_score":0.14884862303733826,"channel":1,"num_words":1,"start":1251.885,"end":1252.125},{"sentences":[{"text":"you're","start":1252.0349,"end":1252.195,"sentiment":"neutral","sentiment_score":0.17651598155498505}],"sentiment":"neutral","sentiment_score":0.17651598155498505,"channel":0,"num_words":1,"start":1252.0349,"end":1252.195},{"sentences":[{"text":"that","start":1252.125,"end":1252.625,"sentiment":"neutral","sentiment_score":0.21723762154579165}],"sentiment":"neutral","sentiment_score":0.21723762154579165,"channel":1,"num_words":1,"start":1252.125,"end":1252.625},{"sentences":[{"text":"comfortable that it bounces","start":1252.195,"end":1253.495,"sentiment":"neutral","sentiment_score":0.21045997738838196}],"sentiment":"neutral","sentiment_score":0.21045997738838196,"channel":0,"num_words":4,"start":1252.195,"end":1253.495},{"sentences":[{"text":"stuff.","start":1253.165,"end":1253.665,"sentiment":"neutral","sentiment_score":0.16832071542739868}],"sentiment":"neutral","sentiment_score":0.16832071542739868,"channel":1,"num_words":1,"start":1253.165,"end":1253.665},{"sentences":[{"text":"between, oh, what is it, a hundred and hundred and twenty one thousand now.","start":1253.5549,"end":1257.475,"sentiment":"neutral","sentiment_score":0.10869360555495534},{"text":"So a high growth could go down to, like, 90,000 and be one seventy the next","start":1257.475,"end":1261.475,"sentiment":"neutral","sentiment_score":0.1742596747353673}],"sentiment":"neutral","sentiment_score":0.14366217578450838,"channel":0,"num_words":30,"start":1253.5549,"end":1261.475},{"sentences":[{"text":"Yes.","start":1261.405,"end":1261.905,"sentiment":"neutral","sentiment_score":0.09730301052331924}],"sentiment":"neutral","sentiment_score":0.09730301052331924,"channel":1,"num_words":1,"start":1261.405,"end":1261.905},{"sentences":[{"text":"year.","start":1261.475,"end":1261.975,"sentiment":"neutral","sentiment_score":0.057991281151771545}],"sentiment":"neutral","sentiment_score":0.057991281151771545,"channel":0,"num_words":1,"start":1261.475,"end":1261.975},{"sentences":[{"text":"Okay.","start":1262.285,"end":1262.685,"sentiment":"neutral","sentiment_score":0.09527305513620377},{"text":"Yep.","start":1262.685,"end":1263.0851,"sentiment":"neutral","sentiment_score":0.08116190135478973},{"text":"Alright.","start":1263.0851,"end":1263.405,"sentiment":"neutral","sentiment_score":0.00823170505464077},{"text":"Let let's leave it for now, and then that's why we have these annual reviews.","start":1263.405,"end":1266.865,"sentiment":"neutral","sentiment_score":0.06174940653145313}],"sentiment":"neutral","sentiment_score":0.061717097750968404,"channel":1,"num_words":18,"start":1262.285,"end":1266.865},{"sentences":[{"text":"Yeah.","start":1267.41,"end":1267.73,"sentiment":"neutral","sentiment_score":0.15448570251464844},{"text":"And we can always change it again.","start":1267.73,"end":1269.4299,"sentiment":"neutral","sentiment_score":0.16147533591304505}],"sentiment":"neutral","sentiment_score":0.1606016317382455,"channel":0,"num_words":8,"start":1267.41,"end":1269.4299},{"sentences":[{"text":"Yep.","start":1269.84,"end":1270.34,"sentiment":"neutral","sentiment_score":0.15363092720508575}],"sentiment":"neutral","sentiment_score":0.15363092720508575,"channel":1,"num_words":1,"start":1269.84,"end":1270.34},{"sentences":[{"text":"The way I would kind of describe the current situation is like, imagine if you bought that investment property.","start":1270.37,"end":1276.3099,"sentiment":"neutral","sentiment_score":-0.04217957685652532},{"text":"You've got the value of it's sitting at 800,000.","start":1277.655,"end":1280.235,"sentiment":"neutral","sentiment_score":-0.10057997331023216},{"text":"If that went down to 600,000, would that be a flag for you to rush off and sell it and crystallize that loss, or would you say, oh, that's a buying opportunity.","start":1280.615,"end":1290.7151,"sentiment":"neutral","sentiment_score":-0.29337274155113846},{"text":"I'll grab two more if you can afford to do so.","start":1290.855,"end":1293.39,"sentiment":"neutral","sentiment_score":-0.04315979541702704}],"sentiment":"neutral","sentiment_score":-0.16294812956746196,"channel":0,"num_words":71,"start":1270.37,"end":1293.39},{"sentences":[{"text":"Yes.","start":1293.2051,"end":1293.685,"sentiment":"neutral","sentiment_score":0.0839138776063919},{"text":"That would be more the case.","start":1293.685,"end":1294.885,"sentiment":"neutral","sentiment_score":0.07546484718720119},{"text":"For sure.","start":1294.885,"end":1295.365,"sentiment":"neutral","sentiment_score":0.1971057876944542},{"text":"Definitely.","start":1295.365,"end":1295.865,"sentiment":"neutral","sentiment_score":0.29512274265289307}],"sentiment":"neutral","sentiment_score":0.12260372787714005,"channel":1,"num_words":10,"start":1293.2051,"end":1295.865},{"sentences":[{"text":"Yeah.","start":1295.47,"end":1295.97,"sentiment":"neutral","sentiment_score":0.19705398380756375},{"text":"So what we're doing with your contributions","start":1296.11,"end":1297.89,"sentiment":"neutral","sentiment_score":0.20080703496932983}],"sentiment":"neutral","sentiment_score":0.20033790357410908,"channel":0,"num_words":8,"start":1295.47,"end":1297.89},{"sentences":[{"text":"Mhmm.","start":1297.99,"end":1298.49,"sentiment":"neutral","sentiment_score":0.15624023973941803}],"sentiment":"neutral","sentiment_score":0.15624023973941803,"channel":1,"num_words":1,"start":1297.99,"end":1298.49},{"sentences":[{"text":"is we're just gradually buying all of these companies, gold properties, and so on.","start":1298.11,"end":1302.6901,"sentiment":"neutral","sentiment_score":0.19280730986169406},{"text":"And then","start":1302.75,"end":1303.15,"sentiment":"neutral","sentiment_score":0.22337771207094193}],"sentiment":"neutral","sentiment_score":0.19662861013785005,"channel":0,"num_words":16,"start":1298.11,"end":1303.15},{"sentences":[{"text":"Yep.","start":1302.9501,"end":1303.4501,"sentiment":"neutral","sentiment_score":0.33014723658561707}],"sentiment":"neutral","sentiment_score":0.33014723658561707,"channel":1,"num_words":1,"start":1302.9501,"end":1303.4501},{"sentences":[{"text":"when the market bounces back, you get that nice big return on the way up, which","start":1303.15,"end":1307.41,"sentiment":"positive","sentiment_score":0.49567154236137867}],"sentiment":"positive","sentiment_score":0.49567154236137867,"channel":0,"num_words":16,"start":1303.15,"end":1307.41},{"sentences":[{"text":"Yep.","start":1307.11,"end":1307.61,"sentiment":"neutral","sentiment_score":0.3107452392578125}],"sentiment":"neutral","sentiment_score":0.3107452392578125,"channel":1,"num_words":1,"start":1307.11,"end":1307.61},{"sentences":[{"text":"could be ten, twenty, 30% up.","start":1308.115,"end":1310.455,"sentiment":"positive","sentiment_score":0.3500974227984746}],"sentiment":"positive","sentiment_score":0.3500974227984746,"channel":0,"num_words":6,"start":1308.115,"end":1310.455},{"sentences":[{"text":"Yep.","start":1310.7101,"end":1311.2101,"sentiment":"neutral","sentiment_score":0.23938915133476257}],"sentiment":"neutral","sentiment_score":0.23938915133476257,"channel":1,"num_words":1,"start":1310.7101,"end":1311.2101},{"sentences":[{"text":"Okay?","start":1312.275,"end":1312.775,"sentiment":"neutral","sentiment_score":0.2837176024913788}],"sentiment":"neutral","sentiment_score":0.2837176024913788,"channel":0,"num_words":1,"start":1312.275,"end":1312.775},{"sentences":[{"text":"Sounds good.","start":1312.8351,"end":1313.4751,"sentiment":"positive","sentiment_score":0.5152740180492401},{"text":"Yep.","start":1313.4751,"end":1313.9751,"sentiment":"neutral","sentiment_score":0.1887400597333908}],"sentiment":"positive","sentiment_score":0.40642936527729034,"channel":1,"num_words":3,"start":1312.8351,"end":1313.9751},{"sentences":[{"text":"Outside of that, the insurance is coming out of the account as well.","start":1314.115,"end":1318.995,"sentiment":"neutral","sentiment_score":0.07277533182731041},{"text":"Do you recall your Neos policy?","start":1318.995,"end":1320.775,"sentiment":"neutral","sentiment_score":0.016081237855056923}],"sentiment":"neutral","sentiment_score":0.054871933730809314,"channel":0,"num_words":19,"start":1314.115,"end":1320.775},{"sentences":[{"text":"Yes.","start":1321.9551,"end":1322.3551,"sentiment":"neutral","sentiment_score":0.04706293344497681},{"text":"So I know I've got that there.","start":1322.3551,"end":1323.9751,"sentiment":"neutral","sentiment_score":0.022827764174767902},{"text":"So","start":1324.46,"end":1324.86,"sentiment":"neutral","sentiment_score":0.0595589205622673}],"sentiment":"neutral","sentiment_score":0.029601800358957715,"channel":1,"num_words":9,"start":1321.9551,"end":1324.86},{"sentences":[{"text":"Yep.","start":1324.6901,"end":1325.1901,"sentiment":"neutral","sentiment_score":0.0763106644153595}],"sentiment":"neutral","sentiment_score":0.0763106644153595,"channel":0,"num_words":1,"start":1324.6901,"end":1325.1901},{"sentences":[{"text":"yes.","start":1325.26,"end":1325.76,"sentiment":"neutral","sentiment_score":0.07143033295869827},{"text":"Whether that's still, I guess, relevant, like, the the amount that it's there for or whether","start":1326.14,"end":1334.54,"sentiment":"neutral","sentiment_score":0.007152008853154257}],"sentiment":"neutral","sentiment_score":0.01093308674171567,"channel":1,"num_words":17,"start":1325.26,"end":1334.54},{"sentences":[{"text":"That's","start":1334.225,"end":1334.5449,"sentiment":"neutral","sentiment_score":-0.03975175321102142}],"sentiment":"neutral","sentiment_score":-0.03975175321102142,"channel":0,"num_words":1,"start":1334.225,"end":1334.5449},{"sentences":[{"text":"that","start":1334.54,"end":1334.7001,"sentiment":"neutral","sentiment_score":-0.027737513184547424}],"sentiment":"neutral","sentiment_score":-0.027737513184547424,"channel":1,"num_words":1,"start":1334.54,"end":1334.7001},{"sentences":[{"text":"what","start":1334.5449,"end":1334.705,"sentiment":"neutral","sentiment_score":-0.0557604506611824}],"sentiment":"neutral","sentiment_score":-0.0557604506611824,"channel":0,"num_words":1,"start":1334.5449,"end":1334.705},{"sentences":[{"text":"can","start":1334.7001,"end":1334.9401,"sentiment":"neutral","sentiment_score":-0.04972623288631439}],"sentiment":"neutral","sentiment_score":-0.04972623288631439,"channel":1,"num_words":1,"start":1334.7001,"end":1334.9401},{"sentences":[{"text":"I wanted","start":1334.705,"end":1335.1849,"sentiment":"neutral","sentiment_score":-0.05479703098535538}],"sentiment":"neutral","sentiment_score":-0.05479703098535538,"channel":0,"num_words":2,"start":1334.705,"end":1335.1849},{"sentences":[{"text":"be dropped","start":1334.9401,"end":1335.42,"sentiment":"neutral","sentiment_score":-0.01826820895075798}],"sentiment":"neutral","sentiment_score":-0.01826820895075798,"channel":1,"num_words":2,"start":1334.9401,"end":1335.42},{"sentences":[{"text":"to run","start":1335.1849,"end":1335.505,"sentiment":"neutral","sentiment_score":-0.033625196665525436}],"sentiment":"neutral","sentiment_score":-0.033625196665525436,"channel":0,"num_words":2,"start":1335.1849,"end":1335.505},{"sentences":[{"text":"down.","start":1335.42,"end":1335.92,"sentiment":"neutral","sentiment_score":0.010978341102600098}],"sentiment":"neutral","sentiment_score":0.010978341102600098,"channel":1,"num_words":1,"start":1335.42,"end":1335.92},{"sentences":[{"text":"by you.","start":1335.505,"end":1336.245,"sentiment":"neutral","sentiment_score":0.040208522230386734}],"sentiment":"neutral","sentiment_score":0.040208522230386734,"channel":0,"num_words":2,"start":1335.505,"end":1336.245},{"sentences":[{"text":"Yes.","start":1336.3,"end":1336.78,"sentiment":"neutral","sentiment_score":0.11255256831645966},{"text":"Yep.","start":1336.78,"end":1337.025,"sentiment":"neutral","sentiment_score":0.10703647136688232}],"sentiment":"neutral","sentiment_score":0.10979451984167099,"channel":1,"num_words":2,"start":1336.3,"end":1337.025},{"sentences":[{"text":"$523,006.82 of life insurance and total disability.","start":1337.585,"end":1343.5249,"sentiment":"neutral","sentiment_score":0.09282174387148448},{"text":"So it's just about half a mil plus","start":1343.745,"end":1346.13,"sentiment":"neutral","sentiment_score":0.13439565803855658}],"sentiment":"neutral","sentiment_score":0.11499449809392294,"channel":0,"num_words":15,"start":1337.585,"end":1346.13},{"sentences":[{"text":"Yep.","start":1345.985,"end":1346.485,"sentiment":"neutral","sentiment_score":0.11993511766195296}],"sentiment":"neutral","sentiment_score":0.11993511766195296,"channel":1,"num_words":1,"start":1345.985,"end":1346.485},{"sentences":[{"text":"your your super.","start":1346.13,"end":1347.43,"sentiment":"neutral","sentiment_score":0.165230522553126},{"text":"So that pretty much covers your mortgage plus another couple 100,000 and your super on top.","start":1347.65,"end":1354.4701,"sentiment":"neutral","sentiment_score":0.20074035320430994}],"sentiment":"neutral","sentiment_score":0.19513353783833354,"channel":0,"num_words":19,"start":1346.13,"end":1354.4701},{"sentences":[{"text":"Mhmm.","start":1354.28,"end":1354.78,"sentiment":"neutral","sentiment_score":0.06860056519508362},{"text":"Yeah.","start":1355.48,"end":1355.98,"sentiment":"neutral","sentiment_score":0.08151648193597794}],"sentiment":"neutral","sentiment_score":0.07505852356553078,"channel":1,"num_words":2,"start":1354.28,"end":1355.98},{"sentences":[{"text":"Now premium wise, it's actually not too bad considering","start":1356.4501,"end":1361.905,"sentiment":"neutral","sentiment_score":0.1028038433028592}],"sentiment":"neutral","sentiment_score":0.1028038433028592,"channel":0,"num_words":9,"start":1356.4501,"end":1361.905},{"sentences":[{"text":"Okay.","start":1361.48,"end":1361.98,"sentiment":"neutral","sentiment_score":0.056108828634023666}],"sentiment":"neutral","sentiment_score":0.056108828634023666,"channel":1,"num_words":1,"start":1361.48,"end":1361.98},{"sentences":[{"text":"49 turning 50.","start":1362.365,"end":1363.645,"sentiment":"neutral","sentiment_score":0.026034682989120483},{"text":"It's sitting at","start":1363.645,"end":1364.365,"sentiment":"neutral","sentiment_score":0.031919606029987335}],"sentiment":"neutral","sentiment_score":0.02897714450955391,"channel":0,"num_words":6,"start":1362.365,"end":1364.365},{"sentences":[{"text":"Which","start":1364.2,"end":1364.6,"sentiment":"neutral","sentiment_score":0.02164210006594658}],"sentiment":"neutral","sentiment_score":0.02164210006594658,"channel":1,"num_words":1,"start":1364.2,"end":1364.6},{"sentences":[{"text":"20","start":1364.365,"end":1364.6051,"sentiment":"neutral","sentiment_score":0.026472043246030807}],"sentiment":"neutral","sentiment_score":0.026472043246030807,"channel":0,"num_words":1,"start":1364.365,"end":1364.6051},{"sentences":[{"text":"book?","start":1364.6,"end":1365.1,"sentiment":"neutral","sentiment_score":0.02383729442954063}],"sentiment":"neutral","sentiment_score":0.02383729442954063,"channel":1,"num_words":1,"start":1364.6,"end":1365.1},{"sentences":[{"text":"200.","start":1364.6051,"end":1365.265,"sentiment":"neutral","sentiment_score":0.02549763023853302}],"sentiment":"neutral","sentiment_score":0.02549763023853302,"channel":0,"num_words":1,"start":1364.6051,"end":1365.265},{"sentences":[{"text":"Mhmm.","start":1366.04,"end":1366.54,"sentiment":"neutral","sentiment_score":0.05675927549600601}],"sentiment":"neutral","sentiment_score":0.05675927549600601,"channel":1,"num_words":1,"start":1366.04,"end":1366.54},{"sentences":[{"text":"It goes down to $1.08 $9.03 after a 15% rebate because all of those premiums inside Super, they get a tax rebate.","start":1366.685,"end":1373.505,"sentiment":"neutral","sentiment_score":0.14314009029079566}],"sentiment":"neutral","sentiment_score":0.14314009029079566,"channel":0,"num_words":22,"start":1366.685,"end":1373.505},{"sentences":[{"text":"Okay.","start":1373.985,"end":1374.385,"sentiment":"neutral","sentiment_score":0.10131621360778809},{"text":"Yep.","start":1374.385,"end":1374.885,"sentiment":"neutral","sentiment_score":0.0962289422750473}],"sentiment":"neutral","sentiment_score":0.0987725779414177,"channel":1,"num_words":2,"start":1373.985,"end":1374.885},{"sentences":[{"text":"That brings it down a little bit.","start":1375.08,"end":1376.78,"sentiment":"neutral","sentiment_score":0.04017624844397817},{"text":"We","start":1376.84,"end":1377.34,"sentiment":"neutral","sentiment_score":-0.006881922483444214}],"sentiment":"neutral","sentiment_score":0.034293977078050375,"channel":0,"num_words":8,"start":1375.08,"end":1377.34},{"sentences":[{"text":"Yeah.","start":1377.025,"end":1377.525,"sentiment":"neutral","sentiment_score":0.006050996482372284}],"sentiment":"neutral","sentiment_score":0.006050996482372284,"channel":1,"num_words":1,"start":1377.025,"end":1377.525},{"sentences":[{"text":"do have to keep an eye on that because it will increase every year and through the fifties.","start":1377.48,"end":1381.58,"sentiment":"neutral","sentiment_score":-0.006688481093280845}],"sentiment":"neutral","sentiment_score":-0.006688481093280845,"channel":0,"num_words":18,"start":1377.48,"end":1381.58},{"sentences":[{"text":"I get older.","start":1381.13,"end":1381.95,"sentiment":"neutral","sentiment_score":-0.06949278588096301}],"sentiment":"neutral","sentiment_score":-0.06949278588096301,"channel":1,"num_words":3,"start":1381.13,"end":1381.95},{"sentences":[{"text":"If","start":1382.12,"end":1382.28,"sentiment":"neutral","sentiment_score":-0.006017066538333893}],"sentiment":"neutral","sentiment_score":-0.006017066538333893,"channel":0,"num_words":1,"start":1382.12,"end":1382.28},{"sentences":[{"text":"Yeah.","start":1382.17,"end":1382.67,"sentiment":"neutral","sentiment_score":-0.009310184977948666}],"sentiment":"neutral","sentiment_score":-0.009310184977948666,"channel":1,"num_words":1,"start":1382.17,"end":1382.67},{"sentences":[{"text":"you close your eyes for seven years, it would be six grand before you know it.","start":1382.28,"end":1385.655,"sentiment":"neutral","sentiment_score":-0.2508874908089638}],"sentiment":"neutral","sentiment_score":-0.2508874908089638,"channel":0,"num_words":16,"start":1382.28,"end":1385.655},{"sentences":[{"text":"Yes.","start":1385.77,"end":1386.27,"sentiment":"neutral","sentiment_score":0.06821607053279877},{"text":"Yep.","start":1386.41,"end":1386.91,"sentiment":"neutral","sentiment_score":0.05962875485420227},{"text":"Mhmm.","start":1387.21,"end":1387.71,"sentiment":"neutral","sentiment_score":0.04565062373876572}],"sentiment":"neutral","sentiment_score":0.057831816375255585,"channel":1,"num_words":3,"start":1385.77,"end":1387.71},{"sentences":[{"text":"So the main thing is as you pay down that mortgage is we will","start":1387.5751,"end":1391.735,"sentiment":"neutral","sentiment_score":0.0343246233782598}],"sentiment":"neutral","sentiment_score":0.0343246233782598,"channel":0,"num_words":14,"start":1387.5751,"end":1391.735},{"sentences":[{"text":"Mhmm.","start":1391.53,"end":1392.03,"sentiment":"neutral","sentiment_score":0.018396448343992233}],"sentiment":"neutral","sentiment_score":0.018396448343992233,"channel":1,"num_words":1,"start":1391.53,"end":1392.03},{"sentences":[{"text":"have to trim it down gradually as well.","start":1391.735,"end":1393.995,"sentiment":"neutral","sentiment_score":0.027013937942683697}],"sentiment":"neutral","sentiment_score":0.027013937942683697,"channel":0,"num_words":8,"start":1391.735,"end":1393.995},{"sentences":[{"text":"Yes.","start":1394.3451,"end":1394.8251,"sentiment":"neutral","sentiment_score":0.1122964695096016},{"text":"Yep.","start":1394.8251,"end":1395.145,"sentiment":"neutral","sentiment_score":0.17076711356639862},{"text":"Is it worth doing that?","start":1395.145,"end":1396.425,"sentiment":"neutral","sentiment_score":0.1868928164243698},{"text":"Yep.","start":1396.425,"end":1396.925,"sentiment":"neutral","sentiment_score":0.054272107779979706}],"sentiment":"neutral","sentiment_score":0.15897497162222862,"channel":1,"num_words":8,"start":1394.3451,"end":1396.925},{"sentences":[{"text":"It wouldn't have too big of a a difference","start":1398.31,"end":1400.9701,"sentiment":"neutral","sentiment_score":-0.01633301128943761}],"sentiment":"neutral","sentiment_score":-0.01633301128943761,"channel":0,"num_words":9,"start":1398.31,"end":1400.9701},{"sentences":[{"text":"Okay.","start":1400.8251,"end":1401.3251,"sentiment":"neutral","sentiment_score":0.03209421783685684},{"text":"Gotcha.","start":1401.4651,"end":1401.9651,"sentiment":"neutral","sentiment_score":0.0019662827253341675}],"sentiment":"neutral","sentiment_score":0.017030250281095505,"channel":1,"num_words":2,"start":1400.8251,"end":1401.9651},{"sentences":[{"text":"unless","start":1401.75,"end":1402.25,"sentiment":"neutral","sentiment_score":-0.014102032408118248}],"sentiment":"neutral","sentiment_score":-0.014102032408118248,"channel":0,"num_words":1,"start":1401.75,"end":1402.25},{"sentences":[{"text":"Yep.","start":1402.1051,"end":1402.6051,"sentiment":"neutral","sentiment_score":-0.013313598930835724}],"sentiment":"neutral","sentiment_score":-0.013313598930835724,"channel":1,"num_words":1,"start":1402.1051,"end":1402.6051},{"sentences":[{"text":"you wanted to literally just chop it in half and just make it just in line with your mortgage value, and then that","start":1402.31,"end":1408.63,"sentiment":"neutral","sentiment_score":0.0036443303460660186}],"sentiment":"neutral","sentiment_score":0.0036443303460660186,"channel":0,"num_words":23,"start":1402.31,"end":1408.63},{"sentences":[{"text":"Yeah.","start":1408.5851,"end":1408.98,"sentiment":"neutral","sentiment_score":0.024314796552062035}],"sentiment":"neutral","sentiment_score":0.024314796552062035,"channel":1,"num_words":1,"start":1408.5851,"end":1408.98},{"sentences":[{"text":"would obviously reduce it by about 45%, save you a thousand bucks.","start":1408.63,"end":1412.49,"sentiment":"neutral","sentiment_score":0.04204407551636299}],"sentiment":"neutral","sentiment_score":0.04204407551636299,"channel":0,"num_words":12,"start":1408.63,"end":1412.49},{"sentences":[{"text":"Possibly.","start":1416.98,"end":1417.48,"sentiment":"neutral","sentiment_score":-0.08925698697566986}],"sentiment":"neutral","sentiment_score":-0.08925698697566986,"channel":1,"num_words":1,"start":1416.98,"end":1417.48},{"sentences":[{"text":"So it really depends on okay.","start":1418.8451,"end":1421.0851,"sentiment":"neutral","sentiment_score":-0.09703941146532695},{"text":"Let's say you can never work again.","start":1421.0851,"end":1423.425,"sentiment":"neutral","sentiment_score":-0.18250379392078944},{"text":"Do you want the mortgage","start":1423.4851,"end":1424.545,"sentiment":"neutral","sentiment_score":-0.016598591580986977}],"sentiment":"neutral","sentiment_score":-0.10793088800791237,"channel":0,"num_words":18,"start":1418.8451,"end":1424.545},{"sentences":[{"text":"Yes.","start":1424.0651,"end":1424.5651,"sentiment":"neutral","sentiment_score":0.040202703326940536}],"sentiment":"neutral","sentiment_score":0.040202703326940536,"channel":1,"num_words":1,"start":1424.0651,"end":1424.5651},{"sentences":[{"text":"cleared off plus a couple of $100 to supplement lost income up until retirement?","start":1424.6051,"end":1429.4299,"sentiment":"neutral","sentiment_score":0.03913025611213276},{"text":"Because that'll cover you for about five, six years of lost income, or","start":1429.49,"end":1433.57,"sentiment":"neutral","sentiment_score":0.003371239138337282}],"sentiment":"neutral","sentiment_score":0.02191295164326827,"channel":0,"num_words":27,"start":1424.6051,"end":1433.57},{"sentences":[{"text":"Mhmm.","start":1433.425,"end":1433.585,"sentiment":"neutral","sentiment_score":0.007031258195638657}],"sentiment":"neutral","sentiment_score":0.007031258195638657,"channel":1,"num_words":1,"start":1433.425,"end":1433.585},{"sentences":[{"text":"do","start":1433.57,"end":1433.73,"sentiment":"neutral","sentiment_score":0.027081377804279327}],"sentiment":"neutral","sentiment_score":0.027081377804279327,"channel":0,"num_words":1,"start":1433.57,"end":1433.73},{"sentences":[{"text":"Yes.","start":1433.585,"end":1434.085,"sentiment":"neutral","sentiment_score":0.05268584191799164}],"sentiment":"neutral","sentiment_score":0.05268584191799164,"channel":1,"num_words":1,"start":1433.585,"end":1434.085},{"sentences":[{"text":"you just wanna clear the debt and let your partner's income cover it?","start":1433.73,"end":1436.87,"sentiment":"neutral","sentiment_score":0.016056730411946774}],"sentiment":"neutral","sentiment_score":0.016056730411946774,"channel":0,"num_words":13,"start":1433.73,"end":1436.87},{"sentences":[{"text":"Maybe we'll leave it for another year and then we'll see.","start":1439.31,"end":1441.95,"sentiment":"neutral","sentiment_score":-0.019456851105629044},{"text":"Well, yeah, we'll keep an eye on it.","start":1441.95,"end":1443.31,"sentiment":"neutral","sentiment_score":0.09113711211830378},{"text":"We'll leave it over this then.","start":1443.31,"end":1444.69,"sentiment":"neutral","sentiment_score":0.05500140289465586}],"sentiment":"neutral","sentiment_score":0.03380319808609784,"channel":1,"num_words":25,"start":1439.31,"end":1444.69},{"sentences":[{"text":"Okay.","start":1444.5449,"end":1445.025,"sentiment":"neutral","sentiment_score":0.08487270772457123}],"sentiment":"neutral","sentiment_score":0.08487270772457123,"channel":0,"num_words":1,"start":1444.5449,"end":1445.025},{"sentences":[{"text":"Yep.","start":1444.91,"end":1445.41,"sentiment":"neutral","sentiment_score":0.09277652949094772}],"sentiment":"neutral","sentiment_score":0.09277652949094772,"channel":1,"num_words":1,"start":1444.91,"end":1445.41},{"sentences":[{"text":"That might be the the trick afterwards because you've","start":1445.025,"end":1448.225,"sentiment":"neutral","sentiment_score":0.09159974339935514}],"sentiment":"neutral","sentiment_score":0.09159974339935514,"channel":0,"num_words":9,"start":1445.025,"end":1448.225},{"sentences":[{"text":"Mhmm.","start":1448.19,"end":1448.69,"sentiment":"neutral","sentiment_score":0.047100767493247986}],"sentiment":"neutral","sentiment_score":0.047100767493247986,"channel":1,"num_words":1,"start":1448.19,"end":1448.69},{"sentences":[{"text":"got policy anniversary in July,","start":1448.225,"end":1450.645,"sentiment":"neutral","sentiment_score":0.0327253807336092}],"sentiment":"neutral","sentiment_score":0.0327253807336092,"channel":0,"num_words":5,"start":1448.225,"end":1450.645},{"sentences":[{"text":"Yeah.","start":1451.1449,"end":1451.6449,"sentiment":"neutral","sentiment_score":0.042416684329509735}],"sentiment":"neutral","sentiment_score":0.042416684329509735,"channel":1,"num_words":1,"start":1451.1449,"end":1451.6449},{"sentences":[{"text":"and the the figures will change around then as well.","start":1451.81,"end":1454.47,"sentiment":"neutral","sentiment_score":0.04952069595456123},{"text":"Are you okay for me to pencil you in for a catch up around July?","start":1454.6901,"end":1458.87,"sentiment":"neutral","sentiment_score":0.05633649875720342}],"sentiment":"neutral","sentiment_score":0.05361017763614655,"channel":0,"num_words":25,"start":1451.81,"end":1458.87},{"sentences":[{"text":"Yeah.","start":1458.9049,"end":1459.1449,"sentiment":"neutral","sentiment_score":0.059653088450431824},{"text":"Yeah.","start":1459.1449,"end":1459.465,"sentiment":"neutral","sentiment_score":0.09945748001337051},{"text":"Absolutely.","start":1459.465,"end":1459.965,"sentiment":"neutral","sentiment_score":0.15546196699142456}],"sentiment":"neutral","sentiment_score":0.10485751181840897,"channel":1,"num_words":3,"start":1458.9049,"end":1459.965},{"sentences":[{"text":"That way, once we've got the anniversary premiums, if we need to alter it, it's","start":1460.93,"end":1465.3301,"sentiment":"neutral","sentiment_score":0.1001492403447628}],"sentiment":"neutral","sentiment_score":0.1001492403447628,"channel":0,"num_words":15,"start":1460.93,"end":1465.3301},{"sentences":[{"text":"Yep.","start":1465.3,"end":1465.8,"sentiment":"neutral","sentiment_score":0.062492068856954575}],"sentiment":"neutral","sentiment_score":0.062492068856954575,"channel":1,"num_words":1,"start":1465.3,"end":1465.8},{"sentences":[{"text":"prorated.","start":1465.3301,"end":1465.8301,"sentiment":"neutral","sentiment_score":0.06582964956760406},{"text":"So let's say they","start":1466.145,"end":1466.785,"sentiment":"neutral","sentiment_score":0.040945389308035374}],"sentiment":"neutral","sentiment_score":0.045922241359949115,"channel":0,"num_words":5,"start":1465.3301,"end":1466.785},{"sentences":[{"text":"Yep.","start":1466.66,"end":1467.16,"sentiment":"neutral","sentiment_score":0.03837473317980766}],"sentiment":"neutral","sentiment_score":0.03837473317980766,"channel":1,"num_words":1,"start":1466.66,"end":1467.16},{"sentences":[{"text":"take that yearly premium out and we chop","start":1466.785,"end":1468.865,"sentiment":"neutral","sentiment_score":0.03814169717952609}],"sentiment":"neutral","sentiment_score":0.03814169717952609,"channel":0,"num_words":8,"start":1466.785,"end":1468.865},{"sentences":[{"text":"Mhmm.","start":1468.8201,"end":1469.3201,"sentiment":"neutral","sentiment_score":0.033549707382917404}],"sentiment":"neutral","sentiment_score":0.033549707382917404,"channel":1,"num_words":1,"start":1468.8201,"end":1469.3201},{"sentences":[{"text":"it in half and","start":1468.865,"end":1470.225,"sentiment":"neutral","sentiment_score":0.04314715135842562}],"sentiment":"neutral","sentiment_score":0.04314715135842562,"channel":0,"num_words":4,"start":1468.865,"end":1470.225},{"sentences":[{"text":"Yep.","start":1470.18,"end":1470.68,"sentiment":"neutral","sentiment_score":0.02978472411632538}],"sentiment":"neutral","sentiment_score":0.02978472411632538,"channel":1,"num_words":1,"start":1470.18,"end":1470.68},{"sentences":[{"text":"it's only been two days,","start":1470.225,"end":1471.525,"sentiment":"neutral","sentiment_score":0.02455042377114296}],"sentiment":"neutral","sentiment_score":0.02455042377114296,"channel":0,"num_words":5,"start":1470.225,"end":1471.525},{"sentences":[{"text":"Yes.","start":1471.86,"end":1472.36,"sentiment":"neutral","sentiment_score":0.07537730038166046}],"sentiment":"neutral","sentiment_score":0.07537730038166046,"channel":1,"num_words":1,"start":1471.86,"end":1472.36},{"sentences":[{"text":"they'll refund, like, 99% of it.","start":1471.905,"end":1474.245,"sentiment":"neutral","sentiment_score":0.07210419575373332}],"sentiment":"neutral","sentiment_score":0.07210419575373332,"channel":0,"num_words":6,"start":1471.905,"end":1474.245},{"sentences":[{"text":"Gotcha.","start":1474.1,"end":1474.6,"sentiment":"neutral","sentiment_score":0.05549587309360504},{"text":"Yeah.","start":1474.66,"end":1474.8201,"sentiment":"neutral","sentiment_score":0.06786070764064789},{"text":"No.","start":1474.8201,"end":1475.06,"sentiment":"neutral","sentiment_score":0.08231550455093384},{"text":"That sounds good.","start":1475.06,"end":1475.96,"sentiment":"neutral","sentiment_score":0.2795147697130839}],"sentiment":"neutral","sentiment_score":0.1740360657374064,"channel":1,"num_words":6,"start":1474.1,"end":1475.96},{"sentences":[{"text":"Cool.","start":1476.385,"end":1476.885,"sentiment":"neutral","sentiment_score":0.1994764655828476},{"text":"With your occupation change, I'm just wondering if that affects pricing.","start":1477.745,"end":1481.605,"sentiment":"neutral","sentiment_score":-0.01945802162994038}],"sentiment":"neutral","sentiment_score":-0.001213481028874715,"channel":0,"num_words":12,"start":1476.385,"end":1481.605},{"sentences":[{"text":"Yep.","start":1482.355,"end":1482.855,"sentiment":"neutral","sentiment_score":0.008587084710597992}],"sentiment":"neutral","sentiment_score":0.008587084710597992,"channel":1,"num_words":1,"start":1482.355,"end":1482.855},{"sentences":[{"text":"Medical receptionist, pharmacy assistant.","start":1482.44,"end":1484.52,"sentiment":"neutral","sentiment_score":-0.0006678577919956297},{"text":"No.","start":1484.52,"end":1484.68,"sentiment":"neutral","sentiment_score":-0.09221595525741576},{"text":"I think that would be pretty similar in risk","start":1484.68,"end":1486.92,"sentiment":"neutral","sentiment_score":-0.11444404472907384}],"sentiment":"neutral","sentiment_score":-0.0803488420705045,"channel":0,"num_words":14,"start":1482.44,"end":1486.92},{"sentences":[{"text":"I would","start":1486.755,"end":1487.155,"sentiment":"neutral","sentiment_score":-0.07461394369602203}],"sentiment":"neutral","sentiment_score":-0.07461394369602203,"channel":1,"num_words":2,"start":1486.755,"end":1487.155},{"sentences":[{"text":"level.","start":1486.92,"end":1487.42,"sentiment":"neutral","sentiment_score":-0.08032310754060745}],"sentiment":"neutral","sentiment_score":-0.08032310754060745,"channel":0,"num_words":1,"start":1486.92,"end":1487.42},{"sentences":[{"text":"imagine.","start":1487.155,"end":1487.655,"sentiment":"neutral","sentiment_score":-0.026558980345726013},{"text":"Yeah.","start":1487.875,"end":1488.375,"sentiment":"neutral","sentiment_score":0.04009757563471794}],"sentiment":"neutral","sentiment_score":0.006769297644495964,"channel":1,"num_words":2,"start":1487.155,"end":1488.375},{"sentences":[{"text":"If they bump you up to a manager or something like that, you could potentially get a cheaper premium that way as well.","start":1488.84,"end":1495.125,"sentiment":"neutral","sentiment_score":0.1274633472380431}],"sentiment":"neutral","sentiment_score":0.1274633472380431,"channel":0,"num_words":23,"start":1488.84,"end":1495.125},{"sentences":[{"text":"Okay.","start":1495.68,"end":1496.18,"sentiment":"neutral","sentiment_score":0.028210658580064777}],"sentiment":"neutral","sentiment_score":0.028210658580064777,"channel":1,"num_words":1,"start":1495.68,"end":1496.18},{"sentences":[{"text":"Cool.","start":1496.965,"end":1497.465,"sentiment":"positive","sentiment_score":0.39146190881729126},{"text":"There's no income protection or trauma insurance, I'm assuming.","start":1498.165,"end":1502.265,"sentiment":"neutral","sentiment_score":-0.11753572295937273},{"text":"I mean, with the casual income, your partner's income is the main one to insure.","start":1504.085,"end":1507.925,"sentiment":"neutral","sentiment_score":0.023559059575200082},{"text":"Would you agree?","start":1507.925,"end":1508.825,"sentiment":"neutral","sentiment_score":0.03255858272314072}],"sentiment":"neutral","sentiment_score":-0.0076892127149871415,"channel":0,"num_words":28,"start":1496.965,"end":1508.825},{"sentences":[{"text":"Yes.","start":1508.56,"end":1509.06,"sentiment":"neutral","sentiment_score":0.04608897119760513},{"text":"Yes.","start":1509.245,"end":1509.645,"sentiment":"neutral","sentiment_score":0.055447280406951904},{"text":"Without a doubt.","start":1509.645,"end":1510.625,"sentiment":"neutral","sentiment_score":0.04181874170899391}],"sentiment":"neutral","sentiment_score":0.04539849534630776,"channel":1,"num_words":5,"start":1508.56,"end":1510.625},{"sentences":[{"text":"Yep.","start":1510.96,"end":1511.28,"sentiment":"neutral","sentiment_score":0.07008682191371918},{"text":"And I'm assuming you probably don't want another $5 worth of premiums for some income protection at the moment.","start":1511.28,"end":1516.26,"sentiment":"neutral","sentiment_score":-0.04827095450539338}],"sentiment":"neutral","sentiment_score":-0.04235306568443775,"channel":0,"num_words":20,"start":1510.96,"end":1516.26},{"sentences":[{"text":"No.","start":1516.765,"end":1517.0851,"sentiment":"neutral","sentiment_score":-0.14820808172225952},{"text":"That's how I got done when I was with Rest.","start":1517.0851,"end":1520.2251,"sentiment":"neutral","sentiment_score":-0.10472310036420822},{"text":"And","start":1520.765,"end":1521.265,"sentiment":"neutral","sentiment_score":-0.06994015723466873}],"sentiment":"neutral","sentiment_score":-0.1054482702165842,"channel":1,"num_words":12,"start":1516.765,"end":1521.265},{"sentences":[{"text":"Oh,","start":1520.8,"end":1521.3,"sentiment":"neutral","sentiment_score":-0.057062894105911255}],"sentiment":"neutral","sentiment_score":-0.057062894105911255,"channel":0,"num_words":1,"start":1520.8,"end":1521.3},{"sentences":[{"text":"I was paying income protection, and then I went on the 10 early lead.","start":1521.485,"end":1525.4099,"sentiment":"neutral","sentiment_score":-0.06094082205423287},{"text":"They went back part time.","start":1525.4099,"end":1526.9299,"sentiment":"neutral","sentiment_score":-0.07236051559448242},{"text":"And it just all stayed the same because, you know, that's not where my head was at.","start":1526.9299,"end":1532.07,"sentiment":"neutral","sentiment_score":-0.19573957516866572},{"text":"And so I went from playing.","start":1532.85,"end":1534.2899,"sentiment":"neutral","sentiment_score":-0.1219992811481158},{"text":"Yeah.","start":1534.2899,"end":1534.61,"sentiment":"neutral","sentiment_score":-0.10190417617559432}],"sentiment":"neutral","sentiment_score":-0.12503364482937857,"channel":1,"num_words":43,"start":1521.485,"end":1534.61},{"sentences":[{"text":"And it was just so much money went down the drain.","start":1534.61,"end":1537.11,"sentiment":"neutral","sentiment_score":-0.2882999669421803}],"sentiment":"neutral","sentiment_score":-0.2882999669421803,"channel":1,"num_words":11,"start":1534.61,"end":1537.11},{"sentences":[{"text":"That's, yeah, that's a bit painful.","start":1539.32,"end":1541.1,"sentiment":"negative","sentiment_score":-0.3753046641747157},{"text":"My main job is to say, hey.","start":1541.4,"end":1542.84,"sentiment":"neutral","sentiment_score":-0.13157063935484206},{"text":"You could have these four insurances.","start":1542.84,"end":1544.62,"sentiment":"neutral","sentiment_score":-0.06785288825631142},{"text":"Are they appropriate?","start":1545.0,"end":1545.98,"sentiment":"neutral","sentiment_score":-0.034624721854925156},{"text":"Yes or no?","start":1546.12,"end":1547.02,"sentiment":"neutral","sentiment_score":-0.06282517934838931}],"sentiment":"neutral","sentiment_score":-0.15489157974720003,"channel":0,"num_words":25,"start":1539.32,"end":1547.02},{"sentences":[{"text":"Yep.","start":1546.755,"end":1547.255,"sentiment":"neutral","sentiment_score":-0.0316443145275116}],"sentiment":"neutral","sentiment_score":-0.0316443145275116,"channel":1,"num_words":1,"start":1546.755,"end":1547.255},{"sentences":[{"text":"For you,","start":1547.105,"end":1547.665,"sentiment":"neutral","sentiment_score":-0.052296681329607964}],"sentiment":"neutral","sentiment_score":-0.052296681329607964,"channel":0,"num_words":2,"start":1547.105,"end":1547.665},{"sentences":[{"text":"No.","start":1547.395,"end":1547.895,"sentiment":"neutral","sentiment_score":-0.19350603222846985}],"sentiment":"neutral","sentiment_score":-0.19350603222846985,"channel":1,"num_words":1,"start":1547.395,"end":1547.895},{"sentences":[{"text":"life and TPD is.","start":1547.665,"end":1549.025,"sentiment":"neutral","sentiment_score":-0.15830057114362717},{"text":"Income protection,","start":1549.025,"end":1549.8251,"sentiment":"neutral","sentiment_score":-0.09389311075210571}],"sentiment":"neutral","sentiment_score":-0.13683141767978668,"channel":0,"num_words":6,"start":1547.665,"end":1549.8251},{"sentences":[{"text":"Mhmm.","start":1549.475,"end":1549.975,"sentiment":"neutral","sentiment_score":-0.09615536779165268}],"sentiment":"neutral","sentiment_score":-0.09615536779165268,"channel":1,"num_words":1,"start":1549.475,"end":1549.975},{"sentences":[{"text":"not so much.","start":1549.8251,"end":1550.645,"sentiment":"neutral","sentiment_score":-0.17943766713142395}],"sentiment":"neutral","sentiment_score":-0.17943766713142395,"channel":0,"num_words":3,"start":1549.8251,"end":1550.645},{"sentences":[{"text":"No.","start":1550.675,"end":1551.0751,"sentiment":"neutral","sentiment_score":-0.18193115293979645},{"text":"Mm-mm.","start":1551.0751,"end":1551.555,"sentiment":"neutral","sentiment_score":-0.08768431097269058},{"text":"Yep.","start":1551.555,"end":1551.93,"sentiment":"neutral","sentiment_score":-0.02839133702218533}],"sentiment":"neutral","sentiment_score":-0.09933560031155746,"channel":1,"num_words":3,"start":1550.675,"end":1551.93},{"sentences":[{"text":"And it's up to you whether you feel like you can afford to get some trauma insurance out of pocket for heart attack, stroke, and cancer.","start":1552.145,"end":1558.725,"sentiment":"neutral","sentiment_score":-0.08829970213656242},{"text":"You can't fund it through your super.","start":1558.9451,"end":1560.645,"sentiment":"neutral","sentiment_score":-0.140463402228696},{"text":"If you have a heart attack, do you rely on your partner in the public health system, or would you like insurance for that?","start":1561.6799,"end":1567.22,"sentiment":"neutral","sentiment_score":-0.05575269026060899}],"sentiment":"neutral","sentiment_score":-0.08100176556852826,"channel":0,"num_words":57,"start":1552.145,"end":1567.22},{"sentences":[{"text":"I guess what is what would the cost be?","start":1569.595,"end":1572.255,"sentiment":"neutral","sentiment_score":-0.03340236470103264}],"sentiment":"neutral","sentiment_score":-0.03340236470103264,"channel":1,"num_words":9,"start":1569.595,"end":1572.255},{"sentences":[{"text":"I would say for a standard 100,000 worth of cover, it would probably be around 100 to 200 a month.","start":1574.015,"end":1580.275,"sentiment":"neutral","sentiment_score":-0.02887024898082018}],"sentiment":"neutral","sentiment_score":-0.02887024898082018,"channel":0,"num_words":20,"start":1574.015,"end":1580.275},{"sentences":[{"text":"Okay.","start":1581.595,"end":1582.095,"sentiment":"neutral","sentiment_score":-0.0024052970111370087},{"text":"Yeah.","start":1584.1,"end":1584.6,"sentiment":"neutral","sentiment_score":-0.017040565609931946},{"text":"I'd not at this stage.","start":1585.5399,"end":1589.1399,"sentiment":"neutral","sentiment_score":-0.15550190061330796},{"text":"I don't see I mean, yes.","start":1589.1399,"end":1590.34,"sentiment":"neutral","sentiment_score":-0.1205999565621217},{"text":"Look.","start":1590.34,"end":1590.58,"sentiment":"neutral","sentiment_score":-0.002208661288022995}],"sentiment":"neutral","sentiment_score":-0.10876884045345443,"channel":1,"num_words":14,"start":1581.595,"end":1590.58},{"sentences":[{"text":"Ideally, love it.","start":1590.58,"end":1591.94,"sentiment":"neutral","sentiment_score":0.1679899791876475},{"text":"We'd love to put","start":1591.94,"end":1592.82,"sentiment":"neutral","sentiment_score":0.11381976492702961}],"sentiment":"neutral","sentiment_score":0.137035571038723,"channel":1,"num_words":7,"start":1590.58,"end":1592.82},{"sentences":[{"text":"Yeah.","start":1592.6699,"end":1593.1699,"sentiment":"neutral","sentiment_score":0.04295283555984497}],"sentiment":"neutral","sentiment_score":0.04295283555984497,"channel":0,"num_words":1,"start":1592.6699,"end":1593.1699},{"sentences":[{"text":"that on there and cover it.","start":1592.82,"end":1594.4199,"sentiment":"neutral","sentiment_score":0.024610073616107304},{"text":"But yeah.","start":1594.4199,"end":1595.1399,"sentiment":"neutral","sentiment_score":0.016082932241261005},{"text":"Another 100 to 200 a month out of what I earn is yeah.","start":1595.1399,"end":1601.485,"sentiment":"neutral","sentiment_score":0.008585618522304755},{"text":"I mean, all that money goes in together anyway, but, yes, I think we'll just try and get this house paid off.","start":1601.785,"end":1609.965,"sentiment":"neutral","sentiment_score":0.017216888679699463}],"sentiment":"neutral","sentiment_score":0.015586299951686415,"channel":1,"num_words":43,"start":1592.82,"end":1609.965},{"sentences":[{"text":"Yeah.","start":1610.9401,"end":1611.26,"sentiment":"neutral","sentiment_score":0.022856464609503743},{"text":"No.","start":1611.26,"end":1611.66,"sentiment":"neutral","sentiment_score":0.03471008315682411}],"sentiment":"neutral","sentiment_score":0.02878327388316393,"channel":0,"num_words":2,"start":1610.9401,"end":1611.66},{"sentences":[{"text":"Yeah.","start":1611.305,"end":1611.625,"sentiment":"neutral","sentiment_score":0.0910751149058342},{"text":"So","start":1611.625,"end":1611.785,"sentiment":"neutral","sentiment_score":0.14970272779464722}],"sentiment":"neutral","sentiment_score":0.12038892135024071,"channel":1,"num_words":2,"start":1611.305,"end":1611.785},{"sentences":[{"text":"Totally","start":1611.66,"end":1612.16,"sentiment":"neutral","sentiment_score":0.22933438420295715}],"sentiment":"neutral","sentiment_score":0.22933438420295715,"channel":0,"num_words":1,"start":1611.66,"end":1612.16},{"sentences":[{"text":"that would","start":1611.785,"end":1612.265,"sentiment":"neutral","sentiment_score":0.3010079562664032}],"sentiment":"neutral","sentiment_score":0.3010079562664032,"channel":1,"num_words":2,"start":1611.785,"end":1612.265},{"sentences":[{"text":"fine.","start":1612.22,"end":1612.72,"sentiment":"neutral","sentiment_score":0.33140307664871216}],"sentiment":"neutral","sentiment_score":0.33140307664871216,"channel":0,"num_words":1,"start":1612.22,"end":1612.72},{"sentences":[{"text":"make a difference.","start":1612.265,"end":1613.145,"sentiment":"neutral","sentiment_score":0.23512074848016104},{"text":"Yeah.","start":1613.145,"end":1613.465,"sentiment":"neutral","sentiment_score":0.17540466785430908},{"text":"Mhmm.","start":1613.465,"end":1613.965,"sentiment":"neutral","sentiment_score":0.1835238486528397}],"sentiment":"neutral","sentiment_score":0.21285815238952638,"channel":1,"num_words":5,"start":1612.265,"end":1613.965},{"sentences":[{"text":"I am guided by you.","start":1614.38,"end":1615.58,"sentiment":"neutral","sentiment_score":0.3095144271850586},{"text":"That is perfect.","start":1615.58,"end":1616.48,"sentiment":"positive","sentiment_score":0.6427465677261353},{"text":"The last thing I was gonna check was just in terms of beneficiaries.","start":1617.66,"end":1620.8,"sentiment":"neutral","sentiment_score":0.051133444819312826},{"text":"I","start":1621.34,"end":1621.58,"sentiment":"neutral","sentiment_score":-0.00601037684828043}],"sentiment":"neutral","sentiment_score":0.1879334656775675,"channel":0,"num_words":22,"start":1614.38,"end":1621.58},{"sentences":[{"text":"Mhmm.","start":1621.52,"end":1622.02,"sentiment":"neutral","sentiment_score":-0.005864027887582779}],"sentiment":"neutral","sentiment_score":-0.005864027887582779,"channel":1,"num_words":1,"start":1621.52,"end":1622.02},{"sentences":[{"text":"might have to dig into the accounts a bit deeper.","start":1621.58,"end":1625.5249,"sentiment":"neutral","sentiment_score":-0.038828919269144536},{"text":"The certificate of currency for Nios doesn't actually tell me who's listed","start":1625.745,"end":1629.0249,"sentiment":"neutral","sentiment_score":-0.0244703886564821}],"sentiment":"neutral","sentiment_score":-0.03099699348041957,"channel":0,"num_words":22,"start":1621.58,"end":1629.0249},{"sentences":[{"text":"Okay.","start":1628.895,"end":1629.395,"sentiment":"neutral","sentiment_score":-0.014323652721941473}],"sentiment":"neutral","sentiment_score":-0.014323652721941473,"channel":1,"num_words":1,"start":1628.895,"end":1629.395},{"sentences":[{"text":"on there.","start":1629.0249,"end":1629.6849,"sentiment":"neutral","sentiment_score":-0.007024936843663454},{"text":"I'm assuming you still want your partner to receive the super and the life insurance.","start":1630.945,"end":1635.505,"sentiment":"neutral","sentiment_score":0.019052826147526503},{"text":"Is that right?","start":1635.505,"end":1636.23,"sentiment":"neutral","sentiment_score":0.035885242745280266}],"sentiment":"neutral","sentiment_score":0.01896991233807057,"channel":0,"num_words":20,"start":1629.0249,"end":1636.23},{"sentences":[{"text":"Yes.","start":1635.9675,"end":1636.4675,"sentiment":"neutral","sentiment_score":0.1581900119781494}],"sentiment":"neutral","sentiment_score":0.1581900119781494,"channel":1,"num_words":1,"start":1635.9675,"end":1636.4675},{"sentences":[{"text":"Perfect.","start":1638.23,"end":1638.63,"sentiment":"positive","sentiment_score":0.4279034435749054},{"text":"Perfect.","start":1638.63,"end":1638.95,"sentiment":"positive","sentiment_score":0.3782952427864074},{"text":"So what I'll do is straight after this call, I will send you a message once I've logged in to both accounts just to double check that that's all up to date.","start":1638.95,"end":1648.39,"sentiment":"neutral","sentiment_score":0.11821365146897733},{"text":"If not, we can","start":1648.39,"end":1649.11,"sentiment":"neutral","sentiment_score":0.011682514799758792}],"sentiment":"neutral","sentiment_score":0.1219938313833585,"channel":0,"num_words":38,"start":1638.23,"end":1649.11},{"sentences":[{"text":"Sure.","start":1649.04,"end":1649.54,"sentiment":"neutral","sentiment_score":0.025543993338942528}],"sentiment":"neutral","sentiment_score":0.025543993338942528,"channel":1,"num_words":1,"start":1649.04,"end":1649.54},{"sentences":[{"text":"send you the forms.","start":1649.11,"end":1650.1699,"sentiment":"neutral","sentiment_score":0.02748933620750904}],"sentiment":"neutral","sentiment_score":0.02748933620750904,"channel":0,"num_words":4,"start":1649.11,"end":1650.1699},{"sentences":[{"text":"Yep.","start":1650.56,"end":1651.04,"sentiment":"neutral","sentiment_score":0.07263835519552231},{"text":"Okay.","start":1651.04,"end":1651.54,"sentiment":"neutral","sentiment_score":0.12403436005115508}],"sentiment":"neutral","sentiment_score":0.0983363576233387,"channel":1,"num_words":2,"start":1650.56,"end":1651.54},{"sentences":[{"text":"Perfect.","start":1652.345,"end":1652.845,"sentiment":"positive","sentiment_score":0.34961122274398804},{"text":"Perfect.","start":1652.905,"end":1653.3049,"sentiment":"positive","sentiment_score":0.4069221019744873},{"text":"Perfect.","start":1653.3049,"end":1653.8049,"sentiment":"positive","sentiment_score":0.40894344449043274},{"text":"Now that was a bit of info to throw at you, Nicola, but do","start":1654.745,"end":1657.065,"sentiment":"neutral","sentiment_score":0.18114409941647733}],"sentiment":"neutral","sentiment_score":0.2177349506493877,"channel":0,"num_words":17,"start":1652.345,"end":1657.065},{"sentences":[{"text":"Mhmm.","start":1657.005,"end":1657.505,"sentiment":"neutral","sentiment_score":0.08062268793582916}],"sentiment":"neutral","sentiment_score":0.08062268793582916,"channel":1,"num_words":1,"start":1657.005,"end":1657.505},{"sentences":[{"text":"you have any questions so far?","start":1657.065,"end":1658.525,"sentiment":"neutral","sentiment_score":0.06307177183528741}],"sentiment":"neutral","sentiment_score":0.06307177183528741,"channel":0,"num_words":6,"start":1657.065,"end":1658.525},{"sentences":[{"text":"No.","start":1659.1649,"end":1659.6649,"sentiment":"neutral","sentiment_score":0.015783511102199554},{"text":"So yeah.","start":1659.885,"end":1660.7849,"sentiment":"neutral","sentiment_score":0.08444375544786453},{"text":"Sounding all good at the moment.","start":1660.845,"end":1662.385,"sentiment":"positive","sentiment_score":0.3702971935272217}],"sentiment":"neutral","sentiment_score":0.26738379812902874,"channel":1,"num_words":9,"start":1659.1649,"end":1662.385},{"sentences":[{"text":"Okay.","start":1662.6799,"end":1663.08,"sentiment":"neutral","sentiment_score":0.23368188738822937},{"text":"Are you happy with how everything's going so far since you've been a client?","start":1663.08,"end":1666.44,"sentiment":"neutral","sentiment_score":0.24722217555556977},{"text":"Because you've been a client with us for for quite a while.","start":1666.44,"end":1668.7,"sentiment":"neutral","sentiment_score":0.07330874415735404}],"sentiment":"neutral","sentiment_score":0.16942582500201683,"channel":0,"num_words":27,"start":1662.6799,"end":1668.7},{"sentences":[{"text":"Yeah.","start":1669.1649,"end":1669.53,"sentiment":"neutral","sentiment_score":0.052077263593673706},{"text":"Yeah.","start":1669.93,"end":1669.97,"sentiment":"neutral","sentiment_score":0.04599625617265701},{"text":"It's been quite some time.","start":1669.97,"end":1671.39,"sentiment":"neutral","sentiment_score":-0.020375599153339863},{"text":"And, yes, I mean, the market has, yeah, been hit hard, I guess, with, like you mentioned, due to COVID and all of that.","start":1671.61,"end":1680.11,"sentiment":"neutral","sentiment_score":-0.037588346749544144},{"text":"And it was so yeah.","start":1680.49,"end":1682.5701,"sentiment":"neutral","sentiment_score":0.04792633056640625}],"sentiment":"neutral","sentiment_score":-0.0185081429210388,"channel":1,"num_words":36,"start":1669.1649,"end":1682.5701},{"sentences":[{"text":"But it's definitely I feel like my soup has grown.","start":1682.5701,"end":1686.155,"sentiment":"neutral","sentiment_score":0.28713585138320924},{"text":"Definitely in comparison to where I had it prior.","start":1688.135,"end":1690.875,"sentiment":"neutral","sentiment_score":0.1629573106765747},{"text":"And you guys definitely do seem to yeah.","start":1691.415,"end":1694.4551,"sentiment":"neutral","sentiment_score":0.1584124993532896},{"text":"You're more invested in your clients than, you know,","start":1694.4551,"end":1698.055,"sentiment":"neutral","sentiment_score":0.12266710648934047}],"sentiment":"neutral","sentiment_score":0.18636884064310127,"channel":1,"num_words":36,"start":1682.5701,"end":1698.055},{"sentences":[{"text":"Yep.","start":1697.91,"end":1698.405,"sentiment":"neutral","sentiment_score":0.06956753879785538}],"sentiment":"neutral","sentiment_score":0.06956753879785538,"channel":0,"num_words":1,"start":1697.91,"end":1698.405},{"sentences":[{"text":"those big bulk, you know, ones","start":1698.055,"end":1701.76,"sentiment":"neutral","sentiment_score":0.08790743288894494}],"sentiment":"neutral","sentiment_score":0.08790743288894494,"channel":1,"num_words":6,"start":1698.055,"end":1701.76},{"sentences":[{"text":"That's","start":1701.525,"end":1701.765,"sentiment":"neutral","sentiment_score":0.15691447257995603}],"sentiment":"neutral","sentiment_score":0.15691447257995603,"channel":0,"num_words":1,"start":1701.525,"end":1701.765},{"sentences":[{"text":"that","start":1701.76,"end":1702.0801,"sentiment":"neutral","sentiment_score":0.18854817748069763}],"sentiment":"neutral","sentiment_score":0.18854817748069763,"channel":1,"num_words":1,"start":1701.76,"end":1702.0801},{"sentences":[{"text":"super","start":1701.765,"end":1702.0851,"sentiment":"neutral","sentiment_score":0.30543211102485657}],"sentiment":"neutral","sentiment_score":0.30543211102485657,"channel":0,"num_words":1,"start":1701.765,"end":1702.0851},{"sentences":[{"text":"tend","start":1702.0801,"end":1702.3201,"sentiment":"neutral","sentiment_score":0.2549445331096649}],"sentiment":"neutral","sentiment_score":0.2549445331096649,"channel":1,"num_words":1,"start":1702.0801,"end":1702.3201},{"sentences":[{"text":"fun","start":1702.0851,"end":1702.3251,"sentiment":"neutral","sentiment_score":0.2674141526222229}],"sentiment":"neutral","sentiment_score":0.2674141526222229,"channel":0,"num_words":1,"start":1702.0851,"end":1702.3251},{"sentences":[{"text":"to","start":1702.3201,"end":1702.56,"sentiment":"neutral","sentiment_score":0.20854558050632477}],"sentiment":"neutral","sentiment_score":0.20854558050632477,"channel":1,"num_words":1,"start":1702.3201,"end":1702.56},{"sentences":[{"text":"that just","start":1702.3251,"end":1702.885,"sentiment":"neutral","sentiment_score":0.2032274827361107}],"sentiment":"neutral","sentiment_score":0.2032274827361107,"channel":0,"num_words":2,"start":1702.3251,"end":1702.885},{"sentences":[{"text":"just","start":1702.56,"end":1702.8,"sentiment":"neutral","sentiment_score":0.17224787175655365}],"sentiment":"neutral","sentiment_score":0.17224787175655365,"channel":1,"num_words":1,"start":1702.56,"end":1702.8},{"sentences":[{"text":"sits in the background.","start":1702.885,"end":1703.865,"sentiment":"neutral","sentiment_score":0.17633308470249176}],"sentiment":"neutral","sentiment_score":0.17633308470249176,"channel":0,"num_words":4,"start":1702.885,"end":1703.865},{"sentences":[{"text":"yeah.","start":1703.4401,"end":1703.9401,"sentiment":"neutral","sentiment_score":0.0633552223443985},{"text":"You're","start":1704.2401,"end":1704.4801,"sentiment":"neutral","sentiment_score":0.05166708678007126}],"sentiment":"neutral","sentiment_score":0.05751115456223488,"channel":1,"num_words":2,"start":1703.4401,"end":1704.4801},{"sentences":[{"text":"Yeah.","start":1704.3251,"end":1704.8251,"sentiment":"neutral","sentiment_score":0.04374532029032707}],"sentiment":"neutral","sentiment_score":0.04374532029032707,"channel":0,"num_words":1,"start":1704.3251,"end":1704.8251},{"sentences":[{"text":"just a number.","start":1704.4801,"end":1705.38,"sentiment":"neutral","sentiment_score":0.061145611107349396},{"text":"Yeah.","start":1706.8,"end":1707.3,"sentiment":"neutral","sentiment_score":0.08905945718288422}],"sentiment":"neutral","sentiment_score":0.0681240726262331,"channel":1,"num_words":4,"start":1704.4801,"end":1707.3},{"sentences":[{"text":"Yeah.","start":1706.885,"end":1707.365,"sentiment":"neutral","sentiment_score":0.16767533123493197},{"text":"Absolutely.","start":1707.365,"end":1707.865,"sentiment":"neutral","sentiment_score":0.3121581971645355},{"text":"My the fun thing for me is just kind of seeing people go through each life stage and kind of being alongside that.","start":1708.405,"end":1714.63,"sentiment":"positive","sentiment_score":0.39005982616673346},{"text":"So, you know, there's some people who have a couple of teenagers","start":1714.63,"end":1717.99,"sentiment":"neutral","sentiment_score":0.172976387043794}],"sentiment":"neutral","sentiment_score":0.3115385452637801,"channel":0,"num_words":37,"start":1706.885,"end":1717.99},{"sentences":[{"text":"Yeah.","start":1717.845,"end":1718.345,"sentiment":"neutral","sentiment_score":0.17315711081027985}],"sentiment":"neutral","sentiment_score":0.17315711081027985,"channel":1,"num_words":1,"start":1717.845,"end":1718.345},{"sentences":[{"text":"and they're investing so they can help with the house deposit.","start":1717.99,"end":1720.65,"sentiment":"neutral","sentiment_score":0.23057302155277945}],"sentiment":"neutral","sentiment_score":0.23057302155277945,"channel":0,"num_words":11,"start":1717.99,"end":1720.65},{"sentences":[{"text":"Yeah.","start":1721.205,"end":1721.705,"sentiment":"neutral","sentiment_score":0.25098463892936707}],"sentiment":"neutral","sentiment_score":0.25098463892936707,"channel":1,"num_words":1,"start":1721.205,"end":1721.705},{"sentences":[{"text":"We get to be there when they retire and have their pension","start":1721.67,"end":1724.7101,"sentiment":"neutral","sentiment_score":0.2933073217670123}],"sentiment":"neutral","sentiment_score":0.2933073217670123,"channel":0,"num_words":12,"start":1721.67,"end":1724.7101},{"sentences":[{"text":"Yeah.","start":1724.245,"end":1724.745,"sentiment":"neutral","sentiment_score":0.32310691475868225}],"sentiment":"neutral","sentiment_score":0.32310691475868225,"channel":1,"num_words":1,"start":1724.245,"end":1724.745},{"sentences":[{"text":"accounts go on their first holiday.","start":1724.7101,"end":1726.25,"sentiment":"positive","sentiment_score":0.47490336497624713},{"text":"It's it's pretty fun.","start":1726.31,"end":1727.43,"sentiment":"positive","sentiment_score":0.6548399478197098},{"text":"It's rewarding.","start":1727.43,"end":1728.17,"sentiment":"positive","sentiment_score":0.698355495929718}],"sentiment":"positive","sentiment_score":0.5721242477496465,"channel":0,"num_words":12,"start":1724.7101,"end":1728.17},{"sentences":[{"text":"So that is good.","start":1728.0801,"end":1729.04,"sentiment":"positive","sentiment_score":0.6883344501256943},{"text":"Yeah.","start":1729.04,"end":1729.28,"sentiment":"neutral","sentiment_score":0.19270268082618713},{"text":"For sure.","start":1729.28,"end":1729.92,"sentiment":"neutral","sentiment_score":0.07503566332161427},{"text":"I mean, when I think about what we've done since I have joined you guys, you know, we we went to Italy for a month.","start":1729.92,"end":1736.34,"sentiment":"neutral","sentiment_score":0.09140709713101387},{"text":"We did that.","start":1736.4,"end":1737.12,"sentiment":"neutral","sentiment_score":0.1623663753271103}],"sentiment":"neutral","sentiment_score":0.16766823892082486,"channel":1,"num_words":35,"start":1728.0801,"end":1737.12},{"sentences":[{"text":"We've, you know, yes, reduced our mortgage.","start":1737.12,"end":1739.04,"sentiment":"neutral","sentiment_score":0.10892579385212489},{"text":"We bought a caravan.","start":1739.04,"end":1740.0801,"sentiment":"neutral","sentiment_score":0.16419613361358643},{"text":"We've probably yeah.","start":1740.0801,"end":1741.745,"sentiment":"neutral","sentiment_score":0.09125526994466782},{"text":"We've got a new car.","start":1741.745,"end":1743.025,"sentiment":"neutral","sentiment_score":0.1290515035390854},{"text":"So yeah.","start":1743.025,"end":1743.845,"sentiment":"neutral","sentiment_score":0.0819733664393425}],"sentiment":"neutral","sentiment_score":0.11915405484892073,"channel":1,"num_words":21,"start":1737.12,"end":1743.845},{"sentences":[{"text":"There's yeah.","start":1744.3049,"end":1746.645,"sentiment":"neutral","sentiment_score":0.06925394013524055},{"text":"Few things we've done.","start":1746.7849,"end":1747.9049,"sentiment":"neutral","sentiment_score":0.05337677989155054},{"text":"So and, you know, which you don't necessarily always think about until, you know, it's a situation like this when you're going over","start":1747.9049,"end":1755.39,"sentiment":"neutral","sentiment_score":0.023738501391009144}],"sentiment":"neutral","sentiment_score":0.03096553558034116,"channel":1,"num_words":29,"start":1744.3049,"end":1755.39},{"sentences":[{"text":"Yeah.","start":1756.215,"end":1756.535,"sentiment":"neutral","sentiment_score":0.09504213184118272},{"text":"And sometimes that can be the biggest help for us.","start":1756.535,"end":1759.015,"sentiment":"neutral","sentiment_score":0.24268608614802362},{"text":"People just kind of they just go through life and life skips by really quickly","start":1759.015,"end":1763.035,"sentiment":"neutral","sentiment_score":-0.04077325761318207}],"sentiment":"neutral","sentiment_score":0.07347323573552646,"channel":0,"num_words":26,"start":1756.215,"end":1763.035},{"sentences":[{"text":"it.","start":1762.91,"end":1763.41,"sentiment":"neutral","sentiment_score":-0.10822297632694244}],"sentiment":"neutral","sentiment_score":-0.10822297632694244,"channel":1,"num_words":1,"start":1762.91,"end":1763.41},{"sentences":[{"text":"and not taking a time to just kind of pause, talk about it, look at a few things, and try something.","start":1763.335,"end":1768.5599,"sentiment":"neutral","sentiment_score":0.011304218987269061},{"text":"And sometimes","start":1768.86,"end":1769.58,"sentiment":"neutral","sentiment_score":0.07017049938440323}],"sentiment":"neutral","sentiment_score":0.016423025978324207,"channel":0,"num_words":23,"start":1763.335,"end":1769.58},{"sentences":[{"text":"Yeah.","start":1769.185,"end":1769.685,"sentiment":"neutral","sentiment_score":0.1435418426990509}],"sentiment":"neutral","sentiment_score":0.1435418426990509,"channel":1,"num_words":1,"start":1769.185,"end":1769.685},{"sentences":[{"text":"that can be enough to just kind of pivot the direction in the right path, if that makes sense.","start":1769.58,"end":1774.7999,"sentiment":"neutral","sentiment_score":0.2864236125820561}],"sentiment":"neutral","sentiment_score":0.2864236125820561,"channel":0,"num_words":19,"start":1769.58,"end":1774.7999},{"sentences":[{"text":"Yeah.","start":1774.305,"end":1774.805,"sentiment":"neutral","sentiment_score":0.23953479528427124},{"text":"Yep.","start":1774.865,"end":1775.105,"sentiment":"positive","sentiment_score":0.3534853160381317},{"text":"Absolutely.","start":1775.105,"end":1775.605,"sentiment":"positive","sentiment_score":0.6721019148826599}],"sentiment":"positive","sentiment_score":0.4217073420683543,"channel":1,"num_words":3,"start":1774.305,"end":1775.605},{"sentences":[{"text":"Awesome.","start":1776.86,"end":1777.36,"sentiment":"positive","sentiment_score":0.7311421632766724},{"text":"Now with that pack that I've sent you through, it contains a number of documents that are kind of attachments","start":1777.5,"end":1782.995,"sentiment":"neutral","sentiment_score":0.2084066316485405}],"sentiment":"neutral","sentiment_score":0.2332987998213087,"channel":0,"num_words":21,"start":1776.86,"end":1782.995},{"sentences":[{"text":"Yes.","start":1783.505,"end":1783.985,"sentiment":"neutral","sentiment_score":0.1100364476442337}],"sentiment":"neutral","sentiment_score":0.1100364476442337,"channel":1,"num_words":1,"start":1783.505,"end":1783.985},{"sentences":[{"text":"as well as","start":1783.6151,"end":1784.015,"sentiment":"neutral","sentiment_score":0.08533766120672226}],"sentiment":"neutral","sentiment_score":0.08533766120672226,"channel":0,"num_words":3,"start":1783.6151,"end":1784.015},{"sentences":[{"text":"I","start":1783.985,"end":1784.145,"sentiment":"neutral","sentiment_score":0.1301666498184204}],"sentiment":"neutral","sentiment_score":0.1301666498184204,"channel":1,"num_words":1,"start":1783.985,"end":1784.145},{"sentences":[{"text":"a","start":1784.015,"end":1784.255,"sentiment":"neutral","sentiment_score":0.1151934266090393}],"sentiment":"neutral","sentiment_score":0.1151934266090393,"channel":0,"num_words":1,"start":1784.015,"end":1784.255},{"sentences":[{"text":"see","start":1784.145,"end":1784.305,"sentiment":"neutral","sentiment_score":0.0774603933095932}],"sentiment":"neutral","sentiment_score":0.0774603933095932,"channel":1,"num_words":1,"start":1784.145,"end":1784.305},{"sentences":[{"text":"link","start":1784.255,"end":1784.495,"sentiment":"neutral","sentiment_score":0.1100284457206726}],"sentiment":"neutral","sentiment_score":0.1100284457206726,"channel":0,"num_words":1,"start":1784.255,"end":1784.495},{"sentences":[{"text":"them.","start":1784.305,"end":1784.805,"sentiment":"neutral","sentiment_score":0.1176580861210823}],"sentiment":"neutral","sentiment_score":0.1176580861210823,"channel":1,"num_words":1,"start":1784.305,"end":1784.805},{"sentences":[{"text":"as well.","start":1784.495,"end":1785.155,"sentiment":"neutral","sentiment_score":0.09776283800601959}],"sentiment":"neutral","sentiment_score":0.09776283800601959,"channel":0,"num_words":2,"start":1784.495,"end":1785.155},{"sentences":[{"text":"Yep.","start":1784.94,"end":1785.44,"sentiment":"neutral","sentiment_score":0.111843541264534}],"sentiment":"neutral","sentiment_score":0.111843541264534,"channel":1,"num_words":1,"start":1784.94,"end":1785.44},{"sentences":[{"text":"So attached, we've got updated financial services guide.","start":1786.3351,"end":1789.7151,"sentiment":"neutral","sentiment_score":0.10921314172446728},{"text":"That's like","start":1789.775,"end":1790.255,"sentiment":"neutral","sentiment_score":0.12566456571221352}],"sentiment":"neutral","sentiment_score":0.11250342652201653,"channel":0,"num_words":10,"start":1786.3351,"end":1790.255},{"sentences":[{"text":"Mhmm.","start":1790.1399,"end":1790.6399,"sentiment":"neutral","sentiment_score":0.10694465041160583}],"sentiment":"neutral","sentiment_score":0.10694465041160583,"channel":1,"num_words":1,"start":1790.1399,"end":1790.6399},{"sentences":[{"text":"our licensing details, complaints procedure, what we can advise on.","start":1790.255,"end":1794.3551,"sentiment":"neutral","sentiment_score":0.10483421683311463}],"sentiment":"neutral","sentiment_score":0.10483421683311463,"channel":0,"num_words":10,"start":1790.255,"end":1794.3551},{"sentences":[{"text":"Yep.","start":1794.86,"end":1795.36,"sentiment":"neutral","sentiment_score":0.1273784637451172}],"sentiment":"neutral","sentiment_score":0.1273784637451172,"channel":1,"num_words":1,"start":1794.86,"end":1795.36},{"sentences":[{"text":"You've got a bit of a Vanguard chart, which just talks about the history of the markets for a bit of a long term view, your certificate of currency for the insurance, your performance for the net wealth, and an overview services guide as","start":1795.39,"end":1808.11,"sentiment":"neutral","sentiment_score":0.14820667186921294}],"sentiment":"neutral","sentiment_score":0.14820667186921294,"channel":0,"num_words":44,"start":1795.39,"end":1808.11},{"sentences":[{"text":"Mhmm.","start":1808.045,"end":1808.4451,"sentiment":"neutral","sentiment_score":0.06331205368041992}],"sentiment":"neutral","sentiment_score":0.06331205368041992,"channel":1,"num_words":1,"start":1808.045,"end":1808.4451},{"sentences":[{"text":"well.","start":1808.11,"end":1808.565,"sentiment":"neutral","sentiment_score":0.07853806018829346}],"sentiment":"neutral","sentiment_score":0.07853806018829346,"channel":0,"num_words":1,"start":1808.11,"end":1808.565},{"sentences":[{"text":"Okay.","start":1808.4451,"end":1808.9451,"sentiment":"neutral","sentiment_score":0.10340160131454468},{"text":"Yep.","start":1809.0851,"end":1809.5851,"sentiment":"neutral","sentiment_score":0.09340141713619232}],"sentiment":"neutral","sentiment_score":0.0984015092253685,"channel":1,"num_words":2,"start":1808.4451,"end":1809.5851},{"sentences":[{"text":"Now I do have to ask the all important question.","start":1809.9249,"end":1811.9249,"sentiment":"neutral","sentiment_score":0.008736030384898185},{"text":"Are you comfortable for us to remain your advisers for the next twelve months?","start":1811.9249,"end":1815.865,"sentiment":"neutral","sentiment_score":0.0083160808842097}],"sentiment":"neutral","sentiment_score":0.008491059842829904,"channel":0,"num_words":24,"start":1809.9249,"end":1815.865},{"sentences":[{"text":"Yes.","start":1816.045,"end":1816.5,"sentiment":"neutral","sentiment_score":0.18092294037342072}],"sentiment":"neutral","sentiment_score":0.18092294037342072,"channel":1,"num_words":1,"start":1816.045,"end":1816.5},{"sentences":[{"text":"Perfect.","start":1817.605,"end":1818.105,"sentiment":"positive","sentiment_score":0.4208762645721435},{"text":"We do have to get your consent on a yearly basis to remain","start":1818.725,"end":1822.105,"sentiment":"neutral","sentiment_score":0.10918175601042233}],"sentiment":"neutral","sentiment_score":0.13144564947911672,"channel":0,"num_words":14,"start":1817.605,"end":1822.105},{"sentences":[{"text":"Mhmm.","start":1822.02,"end":1822.52,"sentiment":"neutral","sentiment_score":0.07029426842927933}],"sentiment":"neutral","sentiment_score":0.07029426842927933,"channel":1,"num_words":1,"start":1822.02,"end":1822.52},{"sentences":[{"text":"on the accounts.","start":1822.245,"end":1823.1449,"sentiment":"neutral","sentiment_score":0.09734964867432912},{"text":"So included in the little blue link is a service agreement, and that has 1.65% of the fees.","start":1823.49,"end":1831.67,"sentiment":"neutral","sentiment_score":0.10500899246997303},{"text":"That's been included in the returns.","start":1831.89,"end":1834.47,"sentiment":"neutral","sentiment_score":0.10780402645468712},{"text":"So, again,","start":1834.53,"end":1835.17,"sentiment":"neutral","sentiment_score":0.07199740782380104}],"sentiment":"neutral","sentiment_score":0.10251826844338713,"channel":0,"num_words":29,"start":1822.245,"end":1835.17},{"sentences":[{"text":"Mhmm.","start":1834.8451,"end":1835.005,"sentiment":"neutral","sentiment_score":0.058976590633392334},{"text":"Yep.","start":1835.005,"end":1835.505,"sentiment":"neutral","sentiment_score":0.05851650983095169}],"sentiment":"neutral","sentiment_score":0.05874655023217201,"channel":1,"num_words":2,"start":1834.8451,"end":1835.505},{"sentences":[{"text":"net returns after fees.","start":1835.17,"end":1836.79,"sentiment":"neutral","sentiment_score":0.04404972214251757},{"text":"And","start":1837.105,"end":1837.4249,"sentiment":"neutral","sentiment_score":0.02807961031794548}],"sentiment":"neutral","sentiment_score":0.04085569977760315,"channel":0,"num_words":5,"start":1835.17,"end":1837.4249},{"sentences":[{"text":"Mhmm.","start":1837.165,"end":1837.665,"sentiment":"neutral","sentiment_score":-0.011216701939702034}],"sentiment":"neutral","sentiment_score":-0.011216701939702034,"channel":1,"num_words":1,"start":1837.165,"end":1837.665},{"sentences":[{"text":"once you hit 600,000 in your balance, which is the ideal target to get everyone up to that million mark, it does","start":1837.4249,"end":1843.985,"sentiment":"neutral","sentiment_score":0.2689545141025023}],"sentiment":"neutral","sentiment_score":0.2689545141025023,"channel":0,"num_words":22,"start":1837.4249,"end":1843.985},{"sentences":[{"text":"Yeah.","start":1843.9651,"end":1844.4651,"sentiment":"neutral","sentiment_score":0.02882229909300804}],"sentiment":"neutral","sentiment_score":0.02882229909300804,"channel":1,"num_words":1,"start":1843.9651,"end":1844.4651},{"sentences":[{"text":"cap when you're at 600,000.","start":1843.985,"end":1846.085,"sentiment":"neutral","sentiment_score":0.02152164913713932}],"sentiment":"neutral","sentiment_score":0.02152164913713932,"channel":0,"num_words":5,"start":1843.985,"end":1846.085},{"sentences":[{"text":"Yeah.","start":1846.44,"end":1846.84,"sentiment":"neutral","sentiment_score":0.03635188564658165},{"text":"Yeah.","start":1846.84,"end":1847.34,"sentiment":"neutral","sentiment_score":0.021730933338403705}],"sentiment":"neutral","sentiment_score":0.029041409492492676,"channel":1,"num_words":2,"start":1846.44,"end":1847.34},{"sentences":[{"text":"K?","start":1847.825,"end":1848.225,"sentiment":"neutral","sentiment_score":0.00942384172230959},{"text":"Now it may seem like you may never get there, but it you'd be surprised what can happen in those later years where you go from $2.50, 300, and all of a sudden, seven","start":1848.225,"end":1857.1101,"sentiment":"neutral","sentiment_score":-0.07635871605838046}],"sentiment":"neutral","sentiment_score":-0.07390778583607503,"channel":0,"num_words":35,"start":1847.825,"end":1857.1101},{"sentences":[{"text":"Yeah.","start":1857.08,"end":1857.58,"sentiment":"neutral","sentiment_score":-0.022451449185609818}],"sentiment":"neutral","sentiment_score":-0.022451449185609818,"channel":1,"num_words":1,"start":1857.08,"end":1857.58},{"sentences":[{"text":"years later, you're sitting at $506,100.","start":1857.1101,"end":1859.4501,"sentiment":"neutral","sentiment_score":-0.02601673888663451}],"sentiment":"neutral","sentiment_score":-0.02601673888663451,"channel":0,"num_words":6,"start":1857.1101,"end":1859.4501},{"sentences":[{"text":"Okay.","start":1859.525,"end":1860.005,"sentiment":"neutral","sentiment_score":-0.009255772456526756}],"sentiment":"neutral","sentiment_score":-0.009255772456526756,"channel":1,"num_words":1,"start":1859.525,"end":1860.005},{"sentences":[{"text":"So","start":1859.67,"end":1860.17,"sentiment":"neutral","sentiment_score":-0.011725760996341704}],"sentiment":"neutral","sentiment_score":-0.011725760996341704,"channel":0,"num_words":1,"start":1859.67,"end":1860.17},{"sentences":[{"text":"Yep.","start":1860.005,"end":1860.505,"sentiment":"neutral","sentiment_score":-0.009992286562919617}],"sentiment":"neutral","sentiment_score":-0.009992286562919617,"channel":1,"num_words":1,"start":1860.005,"end":1860.505},{"sentences":[{"text":"it can really compound those last ten years or so.","start":1860.9501,"end":1864.125,"sentiment":"neutral","sentiment_score":-0.060341336950659755}],"sentiment":"neutral","sentiment_score":-0.060341336950659755,"channel":0,"num_words":10,"start":1860.9501,"end":1864.125},{"sentences":[{"text":"Yep.","start":1864.005,"end":1864.485,"sentiment":"neutral","sentiment_score":0.020793339237570763},{"text":"Okay.","start":1864.485,"end":1864.985,"sentiment":"neutral","sentiment_score":0.0227852426469326}],"sentiment":"neutral","sentiment_score":0.021789290942251682,"channel":1,"num_words":2,"start":1864.005,"end":1864.985},{"sentences":[{"text":"Okay?","start":1865.725,"end":1866.225,"sentiment":"neutral","sentiment_score":0.0196063295006752},{"text":"I'm just gonna double check if there was anything else in that pack because we've","start":1866.605,"end":1871.085,"sentiment":"neutral","sentiment_score":0.01911668653289477}],"sentiment":"neutral","sentiment_score":0.019147289218381047,"channel":0,"num_words":16,"start":1865.725,"end":1871.085},{"sentences":[{"text":"Mhmm.","start":1871.02,"end":1871.52,"sentiment":"neutral","sentiment_score":0.00983319990336895}],"sentiment":"neutral","sentiment_score":0.00983319990336895,"channel":1,"num_words":1,"start":1871.02,"end":1871.52},{"sentences":[{"text":"just been updating some details in the new system.","start":1871.085,"end":1874.065,"sentiment":"neutral","sentiment_score":0.01204727693564362},{"text":"So please just bear with me for one quick moment.","start":1874.445,"end":1877.425,"sentiment":"neutral","sentiment_score":0.015933259204030038},{"text":"Yes.","start":1880.33,"end":1880.83,"sentiment":"neutral","sentiment_score":0.027065489441156387},{"text":"There is a tax file number opt in form.","start":1880.89,"end":1884.75,"sentiment":"neutral","sentiment_score":0.01924117820130454}],"sentiment":"neutral","sentiment_score":0.016137730265999663,"channel":0,"num_words":29,"start":1871.085,"end":1884.75},{"sentences":[{"text":"Mhmm.","start":1885.02,"end":1885.34,"sentiment":"neutral","sentiment_score":-0.0011011387687176466},{"text":"No.","start":1885.34,"end":1885.84,"sentiment":"neutral","sentiment_score":-0.05167388170957565}],"sentiment":"neutral","sentiment_score":-0.02638751023914665,"channel":1,"num_words":2,"start":1885.02,"end":1885.84},{"sentences":[{"text":"So with all the cybersecurity issues of last year, we don't wanna hold your all important tax file number in a bunch of","start":1885.37,"end":1892.97,"sentiment":"neutral","sentiment_score":-0.10141425482604814}],"sentiment":"neutral","sentiment_score":-0.10141425482604814,"channel":0,"num_words":23,"start":1885.37,"end":1892.97},{"sentences":[{"text":"Sure.","start":1892.895,"end":1893.395,"sentiment":"neutral","sentiment_score":-0.018952568992972377}],"sentiment":"neutral","sentiment_score":-0.018952568992972377,"channel":1,"num_words":1,"start":1892.895,"end":1893.395},{"sentences":[{"text":"digital","start":1892.97,"end":1893.47,"sentiment":"neutral","sentiment_score":-0.0034261681139469147}],"sentiment":"neutral","sentiment_score":-0.0034261681139469147,"channel":0,"num_words":1,"start":1892.97,"end":1893.47},{"sentences":[{"text":"Yep.","start":1894.3351,"end":1894.8351,"sentiment":"neutral","sentiment_score":-0.010883165523409843}],"sentiment":"neutral","sentiment_score":-0.010883165523409843,"channel":1,"num_words":1,"start":1894.3351,"end":1894.8351},{"sentences":[{"text":"So this is just a form to say, hey.","start":1894.865,"end":1896.465,"sentiment":"neutral","sentiment_score":0.01882799921764268},{"text":"Are you comfortable for us to hold it on this one document instead?","start":1896.465,"end":1899.5249,"sentiment":"neutral","sentiment_score":-0.0031274201778265145},{"text":"Because it","start":1899.825,"end":1900.225,"sentiment":"neutral","sentiment_score":0.030540578067302704}],"sentiment":"neutral","sentiment_score":0.007911528615901867,"channel":0,"num_words":24,"start":1894.865,"end":1900.225},{"sentences":[{"text":"Sure.","start":1900.0951,"end":1900.5,"sentiment":"neutral","sentiment_score":0.03847823664546013}],"sentiment":"neutral","sentiment_score":0.03847823664546013,"channel":1,"num_words":1,"start":1900.0951,"end":1900.5},{"sentences":[{"text":"is such an important identifier for you.","start":1900.225,"end":1902.725,"sentiment":"neutral","sentiment_score":0.052906669942396026}],"sentiment":"neutral","sentiment_score":0.052906669942396026,"channel":0,"num_words":7,"start":1900.225,"end":1902.725},{"sentences":[{"text":"Okay.","start":1903.06,"end":1903.38,"sentiment":"neutral","sentiment_score":0.06660565733909607},{"text":"Yep.","start":1903.38,"end":1903.88,"sentiment":"neutral","sentiment_score":0.09728634357452393}],"sentiment":"neutral","sentiment_score":0.08194600045681,"channel":1,"num_words":2,"start":1903.06,"end":1903.88},{"sentences":[{"text":"Cool.","start":1904.465,"end":1904.965,"sentiment":"neutral","sentiment_score":0.1657409965991974},{"text":"Do you have any questions for me before I let you go?","start":1905.1849,"end":1908.21,"sentiment":"neutral","sentiment_score":0.12463023513555527}],"sentiment":"neutral","sentiment_score":0.12779260140198928,"channel":0,"num_words":13,"start":1904.465,"end":1908.21},{"sentences":[{"text":"Nice.","start":1908.66,"end":1909.16,"sentiment":"positive","sentiment_score":0.4553977847099304}],"sentiment":"positive","sentiment_score":0.4553977847099304,"channel":1,"num_words":1,"start":1908.66,"end":1909.16},{"sentences":[{"text":"Awesome.","start":1910.45,"end":1910.95,"sentiment":"positive","sentiment_score":0.5618507862091064}],"sentiment":"positive","sentiment_score":0.5618507862091064,"channel":0,"num_words":1,"start":1910.45,"end":1910.95},{"sentences":[{"text":"Other than","start":1910.98,"end":1911.46,"sentiment":"positive","sentiment_score":0.37221427261829376}],"sentiment":"positive","sentiment_score":0.37221427261829376,"channel":1,"num_words":2,"start":1910.98,"end":1911.46},{"sentences":[{"text":"I","start":1911.4099,"end":1911.9099,"sentiment":"neutral","sentiment_score":0.29196447134017944}],"sentiment":"neutral","sentiment_score":0.29196447134017944,"channel":0,"num_words":1,"start":1911.4099,"end":1911.9099},{"sentences":[{"text":"I just need to sign this machine.","start":1911.46,"end":1913.16,"sentiment":"neutral","sentiment_score":0.23369736543723515}],"sentiment":"neutral","sentiment_score":0.23369736543723515,"channel":1,"num_words":7,"start":1911.46,"end":1913.16},{"sentences":[{"text":"if you could, please, that'd be fantastic,","start":1914.0499,"end":1915.75,"sentiment":"positive","sentiment_score":0.47424117582184927}],"sentiment":"positive","sentiment_score":0.47424117582184927,"channel":0,"num_words":7,"start":1914.0499,"end":1915.75},{"sentences":[{"text":"Mhmm.","start":1916.015,"end":1916.515,"sentiment":"neutral","sentiment_score":0.2709426283836365}],"sentiment":"neutral","sentiment_score":0.2709426283836365,"channel":1,"num_words":1,"start":1916.015,"end":1916.515},{"sentences":[{"text":"and I will link in with the team to book you in around July.","start":1916.21,"end":1920.39,"sentiment":"neutral","sentiment_score":0.1884570558156286}],"sentiment":"neutral","sentiment_score":0.1884570558156286,"channel":0,"num_words":14,"start":1916.21,"end":1920.39},{"sentences":[{"text":"Yeah.","start":1919.935,"end":1920.435,"sentiment":"neutral","sentiment_score":0.11575430631637572}],"sentiment":"neutral","sentiment_score":0.11575430631637572,"channel":1,"num_words":1,"start":1919.935,"end":1920.435},{"sentences":[{"text":"I'm actually going on paternity leave.","start":1921.2351,"end":1923.4751,"sentiment":"neutral","sentiment_score":0.1137634739279747},{"text":"Got a daughter","start":1923.4751,"end":1924.3551,"sentiment":"neutral","sentiment_score":0.15644881129264832}],"sentiment":"neutral","sentiment_score":0.12799191971619925,"channel":0,"num_words":9,"start":1921.2351,"end":1924.3551},{"sentences":[{"text":"Oh,","start":1924.015,"end":1924.515,"sentiment":"neutral","sentiment_score":0.2591501474380493}],"sentiment":"neutral","sentiment_score":0.2591501474380493,"channel":1,"num_words":1,"start":1924.015,"end":1924.515},{"sentences":[{"text":"coming in","start":1924.3551,"end":1925.555,"sentiment":"positive","sentiment_score":0.3458952307701111}],"sentiment":"positive","sentiment_score":0.3458952307701111,"channel":0,"num_words":2,"start":1924.3551,"end":1925.555},{"sentences":[{"text":"congratulations.","start":1925.375,"end":1925.875,"sentiment":"positive","sentiment_score":0.33839350938796997}],"sentiment":"positive","sentiment_score":0.33839350938796997,"channel":1,"num_words":1,"start":1925.375,"end":1925.875},{"sentences":[{"text":"June.","start":1925.555,"end":1926.055,"sentiment":"neutral","sentiment_score":0.23581969738006592},{"text":"Thank you.","start":1926.675,"end":1927.155,"sentiment":"neutral","sentiment_score":0.33014120161533356},{"text":"Number three.","start":1927.155,"end":1927.795,"sentiment":"neutral","sentiment_score":0.05916852690279484},{"text":"So I don't","start":1927.795,"end":1928.275,"sentiment":"neutral","sentiment_score":-0.00840404878060023}],"sentiment":"neutral","sentiment_score":0.12365337600931525,"channel":0,"num_words":8,"start":1925.555,"end":1928.275},{"sentences":[{"text":"Oh,","start":1928.255,"end":1928.495,"sentiment":"neutral","sentiment_score":-0.03228947892785072}],"sentiment":"neutral","sentiment_score":-0.03228947892785072,"channel":1,"num_words":1,"start":1928.255,"end":1928.495},{"sentences":[{"text":"know why","start":1928.275,"end":1928.8351,"sentiment":"neutral","sentiment_score":-0.05983378738164902}],"sentiment":"neutral","sentiment_score":-0.05983378738164902,"channel":0,"num_words":2,"start":1928.275,"end":1928.8351},{"sentences":[{"text":"wow.","start":1928.495,"end":1928.995,"sentiment":"neutral","sentiment_score":-0.02626602165400982}],"sentiment":"neutral","sentiment_score":-0.02626602165400982,"channel":1,"num_words":1,"start":1928.495,"end":1928.995},{"sentences":[{"text":"we went to do that, but, you","start":1928.8351,"end":1930.675,"sentiment":"neutral","sentiment_score":-0.016020974410431727}],"sentiment":"neutral","sentiment_score":-0.016020974410431727,"channel":0,"num_words":7,"start":1928.8351,"end":1930.675},{"sentences":[{"text":"Yep.","start":1930.63,"end":1931.13,"sentiment":"neutral","sentiment_score":0.023157110437750816}],"sentiment":"neutral","sentiment_score":0.023157110437750816,"channel":1,"num_words":1,"start":1930.63,"end":1931.13},{"sentences":[{"text":"know, it'll be fun later down the line, I'm sure.","start":1930.675,"end":1933.655,"sentiment":"neutral","sentiment_score":0.12935080602765084},{"text":"And I should be back towards the June.","start":1934.99,"end":1937.3899,"sentiment":"neutral","sentiment_score":0.06679181521758437},{"text":"So","start":1937.3899,"end":1937.71,"sentiment":"neutral","sentiment_score":0.0548478327691555}],"sentiment":"neutral","sentiment_score":0.099088969199281,"channel":0,"num_words":19,"start":1930.675,"end":1937.71},{"sentences":[{"text":"Mhmm.","start":1937.51,"end":1937.83,"sentiment":"neutral","sentiment_score":0.04352857172489166}],"sentiment":"neutral","sentiment_score":0.04352857172489166,"channel":1,"num_words":1,"start":1937.51,"end":1937.83},{"sentences":[{"text":"as","start":1937.71,"end":1937.87,"sentiment":"neutral","sentiment_score":0.03892328962683678}],"sentiment":"neutral","sentiment_score":0.03892328962683678,"channel":0,"num_words":1,"start":1937.71,"end":1937.87},{"sentences":[{"text":"Okay.","start":1937.83,"end":1938.33,"sentiment":"neutral","sentiment_score":0.06994070112705231}],"sentiment":"neutral","sentiment_score":0.06994070112705231,"channel":1,"num_words":1,"start":1937.83,"end":1938.33},{"sentences":[{"text":"soon as I'm back, I'll get the team to reach out and try and find a time with you.","start":1937.87,"end":1942.13,"sentiment":"neutral","sentiment_score":0.10390408748858854}],"sentiment":"neutral","sentiment_score":0.10390408748858854,"channel":0,"num_words":19,"start":1937.87,"end":1942.13},{"sentences":[{"text":"Yes.","start":1942.63,"end":1943.13,"sentiment":"neutral","sentiment_score":0.19270330667495728}],"sentiment":"neutral","sentiment_score":0.19270330667495728,"channel":1,"num_words":1,"start":1942.63,"end":1943.13},{"sentences":[{"text":"Awesome.","start":1943.63,"end":1944.11,"sentiment":"positive","sentiment_score":0.33339759707450867},{"text":"If anything pops up in between, please just give us a call.","start":1944.11,"end":1946.865,"sentiment":"neutral","sentiment_score":0.16760286937157312}],"sentiment":"neutral","sentiment_score":0.18035630996410662,"channel":0,"num_words":13,"start":1943.63,"end":1946.865},{"sentences":[{"text":"Mhmm.","start":1947.335,"end":1947.655,"sentiment":"neutral","sentiment_score":0.11120910942554474},{"text":"No worries.","start":1947.655,"end":1948.3151,"sentiment":"neutral","sentiment_score":0.19738676398992538}],"sentiment":"neutral","sentiment_score":0.16866087913513184,"channel":1,"num_words":3,"start":1947.335,"end":1948.3151},{"sentences":[{"text":"Awesome,","start":1948.865,"end":1949.265,"sentiment":"positive","sentiment_score":0.3572336435317993}],"sentiment":"positive","sentiment_score":0.3572336435317993,"channel":0,"num_words":1,"start":1948.865,"end":1949.265},{"sentences":[{"text":"Alright.","start":1949.255,"end":1949.755,"sentiment":"neutral","sentiment_score":0.3025955259799957}],"sentiment":"neutral","sentiment_score":0.3025955259799957,"channel":1,"num_words":1,"start":1949.255,"end":1949.755},{"sentences":[{"text":"Nicola.","start":1949.265,"end":1949.665,"sentiment":"neutral","sentiment_score":0.15853862464427948},{"text":"Thank you so much for your time.","start":1949.665,"end":1950.865,"sentiment":"positive","sentiment_score":0.8022432753017971},{"text":"Anything else I can do?","start":1950.865,"end":1952.085,"sentiment":"neutral","sentiment_score":0.2805903613567352}],"sentiment":"positive","sentiment_score":0.5520917968108103,"channel":0,"num_words":13,"start":1949.265,"end":1952.085},{"sentences":[{"text":"No.","start":1952.215,"end":1952.375,"sentiment":"neutral","sentiment_score":-0.18949243426322937},{"text":"Nope.","start":1952.375,"end":1952.535,"sentiment":"neutral","sentiment_score":-0.19520102441310885},{"text":"That's alright.","start":1952.535,"end":1953.095,"sentiment":"neutral","sentiment_score":0.023746607126668096},{"text":"I'm signing it.","start":1953.095,"end":1953.975,"sentiment":"neutral","sentiment_score":0.10210411747296651},{"text":"It's loading right now.","start":1953.975,"end":1955.175,"sentiment":"neutral","sentiment_score":0.19162224605679512}],"sentiment":"neutral","sentiment_score":0.06687282656573436,"channel":1,"num_words":11,"start":1952.215,"end":1955.175},{"sentences":[{"text":"So, actually, that will go through shortly.","start":1955.175,"end":1957.275,"sentiment":"neutral","sentiment_score":0.14077759853431157}],"sentiment":"neutral","sentiment_score":0.14077759853431157,"channel":1,"num_words":7,"start":1955.175,"end":1957.275},{"sentences":[{"text":"Cool.","start":1957.585,"end":1957.825,"sentiment":"positive","sentiment_score":0.486936628818512},{"text":"When you go through to the end, there'll be a pop up if you wanna download a signed copy for your records.","start":1957.825,"end":1962.245,"sentiment":"neutral","sentiment_score":0.21408799426122146}],"sentiment":"neutral","sentiment_score":0.225950978372408,"channel":0,"num_words":23,"start":1957.585,"end":1962.245},{"sentences":[{"text":"Okay.","start":1962.2699,"end":1962.6699,"sentiment":"positive","sentiment_score":0.4304208755493164},{"text":"Fantastic.","start":1962.6699,"end":1963.1699,"sentiment":"positive","sentiment_score":0.8106005191802979},{"text":"Thank you.","start":1963.3899,"end":1964.21,"sentiment":"positive","sentiment_score":0.7948704063892365}],"sentiment":"positive","sentiment_score":0.7076905518770218,"channel":1,"num_words":4,"start":1962.2699,"end":1964.21},{"sentences":[{"text":"Awesome, Nicola.","start":1964.38,"end":1965.18,"sentiment":"positive","sentiment_score":0.8005915582180023},{"text":"Have a fantastic day,","start":1965.18,"end":1966.3,"sentiment":"positive","sentiment_score":0.7209498584270477}],"sentiment":"positive","sentiment_score":0.7474970916906992,"channel":0,"num_words":6,"start":1964.38,"end":1966.3},{"sentences":[{"text":"Alright.","start":1966.19,"end":1966.69,"sentiment":"positive","sentiment_score":0.5185887813568115}],"sentiment":"positive","sentiment_score":0.5185887813568115,"channel":1,"num_words":1,"start":1966.19,"end":1966.69},{"sentences":[{"text":"and we'll talk soon.","start":1966.3,"end":1967.4401,"sentiment":"positive","sentiment_score":0.5019831359386444}],"sentiment":"positive","sentiment_score":0.5019831359386444,"channel":0,"num_words":4,"start":1966.3,"end":1967.4401},{"sentences":[{"text":"You too.","start":1967.71,"end":1968.35,"sentiment":"positive","sentiment_score":0.5288327038288116},{"text":"All the best.","start":1968.35,"end":1968.83,"sentiment":"positive","sentiment_score":0.6158235669136047},{"text":"Thank you.","start":1968.83,"end":1969.57,"sentiment":"positive","sentiment_score":0.6879763603210449}],"sentiment":"positive","sentiment_score":0.611584118434361,"channel":1,"num_words":7,"start":1967.71,"end":1969.57},{"sentences":[{"text":"Thank you.","start":1969.66,"end":1970.2201,"sentiment":"positive","sentiment_score":0.6272093653678894},{"text":"Bye.","start":1970.2201,"end":1970.7201,"sentiment":"neutral","sentiment_score":0.321957528591156}],"sentiment":"positive","sentiment_score":0.5254587531089783,"channel":0,"num_words":3,"start":1969.66,"end":1970.7201},{"sentences":[{"text":"Bye bye.","start":1970.83,"end":1971.57,"sentiment":"neutral","sentiment_score":0.022326190024614327}],"sentiment":"neutral","sentiment_score":0.022326190024614327,"channel":1,"num_words":2,"start":1970.83,"end":1971.57}]},"summary":{"result":"success","short":"A senior adviser from Oakview named Nicola calls a customer named Nicola to schedule an annual review. Nicola confirms her personal information and asks about her work schedule and income. She discusses the value of the investment property and the possibility of selling it. The agent provides an estimate of the investment property's value and discusses the process for power of attorney and planning. They also touch on retirement plans and growth in retirement assets. The agent suggests cutting premiums in half and leaving the mortgage in place for another year, and provides information on a financial services guide and licensing details. The agent sends a message to check the customer's accounts and reminds them to sign a form."},"intents":{"segments":[{"text":"I've got you booked in to go through a bit of an annual review Yes.","start_word":71,"end_word":85,"intents":[{"intent":"Schedule annual review","confidence_score":0.28845942}]},{"text":"Well so my work situation changed. So Amazing. yeah.","start_word":365,"end_word":373,"intents":[{"intent":"Evaluate work situation","confidence_score":0.19001217}]},{"text":"So we did refit it was restructure. So we Yep.","start_word":825,"end_word":834,"intents":[{"intent":"Restructure mortgage","confidence_score":0.082995825}]},{"text":"So on our main residence, we owe 278,000. 270.","start_word":880,"end_word":888,"intents":[{"intent":"Verify account value","confidence_score":0.00002438765}]},{"text":"do you have a bit of an estimate on the investment property's value now?","start_word":923,"end_word":936,"intents":[{"intent":"Determine investment property value","confidence_score":0.055048507}]},{"text":"I'm I'm not sure. But yeah. Yeah.","start_word":993,"end_word":999,"intents":[{"intent":"Expressing uncertainty","confidence_score":0.0033423514},{"intent":"Expressing uncertainty about estimated cost","confidence_score":0.00047406217}]},{"text":"91 is what they're estimating it as. Okay. And I was having a look at the the main residence, and a bit of Google was saying it could even be estimated at about 1,300,000. Yep. Wow. That's amazing. I think we had an early, early estimate towards the beginning of about 700,000, so it's close to doubled the last Yeah.","start_word":1001,"end_word":1060,"intents":[{"intent":"Discussing value of estimate","confidence_score":9.761054e-7}]},{"text":"And I was having a look at the the main residence, and a bit of Google was saying it could even be estimated at about 1,300,000. Yep.","start_word":1009,"end_word":1035,"intents":[{"intent":"Discussing valuation of potential property","confidence_score":0.00018815666}]},{"text":"Well, we're planning on selling the investment property because the way it was structured when we bought it probably wasn't the right way to do it in that we did it fifty fifty. And Uh-huh.","start_word":1106,"end_word":1140,"intents":[{"intent":"Discussing potential investment property acquisition","confidence_score":0.00006212894}]},{"text":"so I don't actually get any tax benefits because I don't earn Oh, enough.","start_word":1141,"end_word":1154,"intents":[{"intent":"Discussing potential tax benefits","confidence_score":0.040496342},{"intent":"Expressing concerns about potential benefits","confidence_score":0.000004283136}]},{"text":"Last couple of details I just wanna check with you is did you end up putting in place, like, a will or power of attorney, state planning wise?","start_word":1672,"end_word":1699,"intents":[{"intent":"Check will and power of attorney","confidence_score":0.1265834}]},{"text":"I'll pop that down as something to I to think do. their their guidelines are, like, check every three years or so is usually Okay.","start_word":1762,"end_word":1786,"intents":[{"intent":"Check guidelines","confidence_score":0.7387491}]},{"text":"So addresses still stay the same.","start_word":1852,"end_word":1857,"intents":[{"intent":"Verify address and address","confidence_score":0.0002483673}]},{"text":"And we did buy a caravan, so that's an Amazing. asset as well.","start_word":1945,"end_word":1957,"intents":[{"intent":"Purchase caravan","confidence_score":0.016457904}]},{"text":"you do you have any debt on it, or is it mainly just a clean purchase? No. We purchased it. Okay. And how much would that go for?","start_word":1968,"end_word":1995,"intents":[{"intent":"Disclose debt details","confidence_score":0.000021695967}]},{"text":"Are you guys planning to one day caravan around Australia in retirement, or is it more just for, you know, the next ten years? That would be amazing.","start_word":2029,"end_word":2056,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.023293437}]},{"text":"For a bit of a joint retirement goal, I just wanted to quickly check base because of your your balance and your income level compared to your partner. I just Yep.","start_word":2401,"end_word":2431,"intents":[{"intent":"Check balance and income level","confidence_score":0.16686715}]},{"text":"For a bit of a joint retirement goal, I just wanted to quickly check base because of your your balance and your income level compared to your partner. I just Yep. wanted to briefly discuss what portion of that retirement income do you think you would need to contribute to it? Like, do you have an estimate on his super balance and I can kind of do a bit of a work back?","start_word":2401,"end_word":2473,"intents":[{"intent":"Discuss retirement income and investments","confidence_score":0.00043627384}]},{"text":"refine that joint retirement planning conversation when you get a bit closer, like late Yep. fifties.","start_word":2593,"end_word":2608,"intents":[{"intent":"Refine retirement planning","confidence_score":0.049572323}]},{"text":"And we've got a few a few market cycles, I would sort of say, for you as well. Like, yes, it's not too far off, but every seven years or so, the market tends to grow for a few years, and then there's some sort of event that makes it crash. COVID, Yeah.","start_word":2635,"end_word":2687,"intents":[{"intent":"Prepare for market cycles","confidence_score":0.006205805}]},{"text":"Now when it comes to the options that you've got, do you recall anything about what you're invested in, risk levels, that kind of thing? I no.","start_word":2976,"end_word":3002,"intents":[{"intent":"Analyze financial options","confidence_score":0.0021503544}]},{"text":"There was a change that we made to your portfolio.","start_word":3171,"end_word":3180,"intents":[{"intent":"Highlight portfolio changes","confidence_score":0.0007965843}]},{"text":"us to update the advice because it was kind of that extreme of a situation.","start_word":3385,"end_word":3399,"intents":[{"intent":"Update advice","confidence_score":0.096869804}]},{"text":"you close your eyes for seven years, it would be six grand before you know it. Yes. Yep. Mhmm. So the main thing is as you pay down that mortgage is we will Mhmm. have to trim it down gradually as well. Yes. Yep.","start_word":4033,"end_word":4076,"intents":[{"intent":"Provide mortgage information","confidence_score":0.0008332858}]},{"text":"My main job is to say, hey. You could have these four insurances. Are they appropriate? Yes or no?","start_word":4501,"end_word":4519,"intents":[{"intent":"Evaluate insurance benefits","confidence_score":0.0028185332}]},{"text":"So attached, we've got updated financial services guide. That's like Mhmm. our licensing details, complaints procedure, what we can advise on. Yep.","start_word":5238,"end_word":5259,"intents":[{"intent":"Update guides","confidence_score":0.00022408325}]},{"text":"soon as I'm back, I'll get the team to reach out and try and find a time with you. Yes.","start_word":5683,"end_word":5702,"intents":[{"intent":"Check balance and find an ideal time","confidence_score":0.0000023102791}]}]},"sentiments":{"segments":[{"text":"Hello. This is Nicola. Good afternoon, Nicola. It's Tommy here, senior adviser from Oakview. How are you doing? Not too bad.","start_word":0,"end_word":20,"sentiment":"neutral","sentiment_score":0.17586170136928558},{"text":"Thank you.","start_word":21,"end_word":22,"sentiment":"positive","sentiment_score":0.4415000379085541},{"text":"And you?","start_word":23,"end_word":24,"sentiment":"neutral","sentiment_score":0.28224363923072815},{"text":"I'm doing fantastic. It's a beautiful cool down the Gold Coast.","start_word":25,"end_word":35,"sentiment":"positive","sentiment_score":0.6860998868942261},{"text":"What about your end? I think it's gonna be 29 here today in Adelaide. Oof. Not too bad. Yeah. That's it. Bit of a beach weather all of a sudden. Yes. That's it.","start_word":36,"end_word":68,"sentiment":"neutral","sentiment_score":0.04819344729185104},{"text":"Awesome.","start_word":69,"end_word":69,"sentiment":"positive","sentiment_score":0.3774155378341675},{"text":"Yep. I've got you booked in to go through a bit of an annual review Yes. if you still have time for me.","start_word":70,"end_word":92,"sentiment":"neutral","sentiment_score":0.15171149373054504},{"text":"Fantastic.","start_word":93,"end_word":93,"sentiment":"positive","sentiment_score":0.3869110941886902},{"text":"Now before I get started, usual security process, are you okay for this call to be recorded? Yes. Amazing. And for security of your information, I'm registered with ASIC as Adviser 1273105. Are you okay to confirm your date of birth and address, please? Yep. So it's the 1976, and address Perfect. is 25 Melbourne Place in Alberton, South Australia 5014.","start_word":94,"end_word":154,"sentiment":"neutral","sentiment_score":0.0757935494184494},{"text":"Amazing. Amazing. Thank you so much for that.","start_word":155,"end_word":162,"sentiment":"positive","sentiment_score":0.5223477482795715},{"text":"I have your Gmail account ready to go to send through this annual review pack. Is that still okay? Yes. Awesome. So I'm gonna pop that through to you now with a number of usual attachments there as well. Mhmm. Will you have time to look onto these documents with me today, or should I just kind of walk you through what's there? I've got about an hour. Oh, that should be So plenty I'm of time. just popping you on speed. Can you just have a look? Can you hear me? Yes. I can hear Yes. you perfectly. I can. What about my end? Yep. Yep. Perfect. All Amazing. good. K. Alright. So that should come through. We do have a bit of a new system this year with Odoo, sort of custom built for us. That may go through to your spam box on the first attempt Okay. until it's all kind of cleared through spam filters and so on, or it may go straight to the main inbox. Just depends on Gmail these days. Awesome. Awesome. So before I dive into your details, is there anything Mhmm. in particular you would like to get out of this year's review? Well so my work situation changed.","start_word":163,"end_word":370,"sentiment":"neutral","sentiment_score":0.08118503300759655},{"text":"So Amazing. yeah.","start_word":371,"end_word":373,"sentiment":"positive","sentiment_score":0.5941033363342285},{"text":"Well, no. Not necessarily. It's Oh, less no.","start_word":374,"end_word":381,"sentiment":"neutral","sentiment_score":-0.11330299824476242},{"text":"less money now.","start_word":382,"end_word":384,"sentiment":"negative","sentiment_score":-0.3500387668609619},{"text":"So, yeah, I took a risk and tried something different. Didn't turn out. And Okay. now I'm I'm just working, but I'm just it's hassle. So it's less hours than I want at the moment, and Okay. that's been since September. So then it was sort of like this plays on my mind with, you know yeah. What what what do I do from here? You know, it's just like, at the moment, the work life balance is great, but obviously then the money is not coming in. But at the same time, work life balance is better. Especially because I'm still, you know, I've got a teenage boy who I need to change to appointments here, there, and everywhere as well. Yeah. So He would it's have just turned, Yeah. what, 13 this They're year? saying yeah. Yeah. Yep.","start_word":385,"end_word":524,"sentiment":"neutral","sentiment_score":-0.05271006003022194},{"text":"Amazing.","start_word":525,"end_word":525,"sentiment":"positive","sentiment_score":0.4141970574855805},{"text":"So with your the casual employment, would you potentially have an estimate of what your yearly income looks like now? Well, that's what I was trying to work out, actually, just before you called. I probably should've done this before. But, I mean, at the moment, you know, it's no. I see. It's really tricky. So I started there in, say, September. And so from them, I've only earned 16,000. So yeah. And being casual, then Christmas is off. There's been lots of holidays. Yeah. Yeah. Yeah. So, essentially, we just don't work, and so we don't earn, which kinda sucks. But yeah. Well, even so, like, if I divided that by the seven months and extrapolated Yeah. that ad annually, you're still getting around 27, which is creeping close to the 30 we Yeah. had you on as part time. So with Yeah. a bit of extra hours here and there, it kind of floats between the two. Yep. Just a holiday pay, unfortunately. But anyway Yeah. No.","start_word":526,"end_word":694,"sentiment":"neutral","sentiment_score":-0.09025506860405735},{"text":"That's yeah. painful.","start_word":695,"end_word":697,"sentiment":"negative","sentiment_score":-0.4011189043521881},{"text":"Yeah. The the loading is supposed to help with that, but it often doesn't. Mm-mm. No. Okay. But anyway And so, yeah, that's the main thing that's changed for me. okay. So Is it a different yes. role from pharmacy assistant? Yes. I'm now a medical receptionist. Yep. Medical receptionist. And who's that for? So Trinity Medical Center in Port Adelaide. In Port Adelaide.","start_word":698,"end_word":761,"sentiment":"neutral","sentiment_score":-0.02741970866918564},{"text":"Thank you so much for that.","start_word":762,"end_word":767,"sentiment":"positive","sentiment_score":0.6395828127861023},{"text":"And would you still say that your your main focus at the moment is just kind of paying down the mortgage? Because the main thing we have for every year for you was just getting that mortgage Yeah. finalized. Yeah. Yeah. Definitely. And how are you guys going with that? I'm just gonna have a look now. So we did refit it was restructure. So we Yep. did have the loans split over two banks. Now we have it just in one. So I'm just having Okay. a quick look now. No worries. Just bringing that up. Alright. So I need to work out which one's which. Oh, yep. There we go. So on our main residence, we owe 278,000. 270.","start_word":768,"end_word":888,"sentiment":"neutral","sentiment_score":0.09107642620801926},{"text":"That's pretty good.","start_word":889,"end_word":891,"sentiment":"positive","sentiment_score":0.34822651743888855},{"text":"I think last check we have was about $3.73, so that's going down pretty nicely. Yep. Mhmm. And then on the investment property, it's 595. Yep. Perfect. 595,000. Now Yep. Yeah. do you have a bit of an estimate on the investment property's value now? Because I know property market's been all over Yeah. the place. Yeah. So I think it was 70 $7.91, I think, the last I checked. I mean, that is just going off of realestate.com. But yeah. I mean, that's always a bit tricky. We haven't had it valued, I guess, since we bought it maybe. I'm I'm not sure. But yeah. Yeah. 7 Yeah. 91 is what they're estimating it as. Okay. And I was having a look at the the main residence, and a bit of Google was saying it could even be estimated at about 1,300,000. Yep.","start_word":892,"end_word":1035,"sentiment":"neutral","sentiment_score":0.006868799824991988},{"text":"Wow. That's amazing.","start_word":1036,"end_word":1038,"sentiment":"positive","sentiment_score":0.640631914138794},{"text":"I think we had an early, early estimate towards the beginning of about 700,000, so it's close to doubled the last Yeah. sort of four Yeah. or five years. Yes. Yep.","start_word":1039,"end_word":1069,"sentiment":"neutral","sentiment_score":0.20942853391170504},{"text":"Amazing.","start_word":1070,"end_word":1070,"sentiment":"positive","sentiment_score":0.43568071722984314},{"text":"So equity everywhere, that must be Yes.","start_word":1071,"end_word":1077,"sentiment":"neutral","sentiment_score":0.2558930814266205},{"text":"nice. Yeah. That part is good.","start_word":1078,"end_word":1083,"sentiment":"positive","sentiment_score":0.4906938374042511},{"text":"Mhmm. Whether it translates to something a bit tangible down the line, hopefully, that can come into play a little bit. Yeah. Well, we're planning on selling the investment property because the way it was structured when we bought it probably wasn't the right way to do it in that we did it fifty fifty. And Uh-huh. so I don't actually get any tax benefits because I don't earn Oh, enough. no. So yeah. That's something we need to work out as well. But Okay. Yeah. That's never fun, especially when you've got I mean, is the rental okay on that oh, yeah. property? Yeah. Like, that's steady as yeah. They pay the rent. They don't. But, yeah, it just means trying to, I guess, sell and then rebuy in this market. Mhmm. Yeah. That's Yeah. a tricky And to one. it is. And to do it, so I think get the best benefit, my husband was saying we should probably buy something brand new and then essentially put it in his name, which I'm comfortable doing. Like, I don't have any problems there, but, yeah, I Yeah. guess it's just yes. It's And nice with to think the that. rental side of things, are they paying a a good $7.50, Mhmm. 800 a week, or what's the the average? Okay. I'm just double checking that. I think it was, like, $6. 80, but I'm not sure. Are you there? Yep. Still So here. I thought I might have muted you while I was looking at things. If I go into there, then go. Yeah. So off off the top of my head, I think it's $6.80. So $6.80. yeah. Just having a quick look if I can find it.","start_word":1084,"end_word":1372,"sentiment":"neutral","sentiment_score":-0.03207603506872811},{"text":"Too many emails I need to I need to delete.","start_word":1373,"end_word":1382,"sentiment":"negative","sentiment_score":-0.3688458502292633},{"text":"Yeah. And And I'm I've got all those email chains. I have 24 replies with three, four different people, and it's a bit yes. bit hard to try. Yeah. I'm I'm fine. Yeah. Anyway, I can keep looking while you're talking. No. That's okay. I mean, all I would kind of just give you as an an average for that $6.80 is it's Yes. a decent percentage compared to the debt level that you have. Yes. But compared to the value of the property, Yes. there may Yes. be properties in other states for 800,000 that would rent for $8.08 50 a week or something like that. So Yeah. percentage wise, it might be a little bit low compared to the value. But if Yes.","start_word":1383,"end_word":1507,"sentiment":"neutral","sentiment_score":0.0403948649764061},{"text":"it's still keeping up with the repayments, that's pretty good.","start_word":1508,"end_word":1517,"sentiment":"positive","sentiment_score":0.5816675424575806},{"text":"Yeah. And I think I mean, it's probably relative to the area that it's in. Even though the property is saying it's worth that, it's like Yeah. yeah. But then again, I mean, yeah, I do look, see what's going around there. And it's not bad, but it will probably go up again. Like, they might increase it again. I think it was July that around then that the sort of lease is due to run out. Yeah. So Yep. that's And just why I tend to bump it up.","start_word":1518,"end_word":1607,"sentiment":"neutral","sentiment_score":0.07009593397378922},{"text":"it should be a pretty good outcome. I mean, at the end of the day, you still got enough years left where that mortgage can be paid off.","start_word":1608,"end_word":1635,"sentiment":"positive","sentiment_score":0.4265078604221344},{"text":"You've got the investment property with the rental income. We'll sell that off.","start_word":1636,"end_word":1648,"sentiment":"neutral","sentiment_score":0.31118491291999817},{"text":"Bit of super on the side as well. So everything's looking like it's slowly coalescing in a good direction. Yep. Perfect. Perfect.","start_word":1649,"end_word":1670,"sentiment":"positive","sentiment_score":0.5221390128135681},{"text":"Last couple of details I just wanna check with you is did you end up putting in place, like, a will or power of attorney, state planning wise? We've got a wheel. Yep. I don't know if we've got I don't know who we would have thought the power of attorney. It's like this is but that's we did this, like, probably ten years ago. We Yeah. did a wheel. So we might need to already look Might at that be as out of date. well. Yep. Yep. Yep. Alright. I'll pop that down as something to I to think do. their their guidelines are, like, check every three years or so is usually Okay.","start_word":1671,"end_word":1785,"sentiment":"neutral","sentiment_score":-0.003498814534395933},{"text":"pretty good.","start_word":1786,"end_word":1787,"sentiment":"positive","sentiment_score":0.37868618965148926},{"text":"Yep. Power of attorney is really important too, I think, because even Yep. even the old $25 kit from the post office can make sure that someone can talk to the doctors and access bank accounts and not have to go to the courts, which is not as fun. So Yep. that No. might be do. Yep. I'll check Awesome. that as well. So addresses still stay the same. You still have the one Yep. dependent. Occupation Yes. is different. You guys have never Mhmm. gone through a a bankruptcy or part nine debt agreement before, have you? Nope. I don't know Nope. what that Perfect. is. So no. Yeah. It's kind of like a type of bankruptcy, but it's kinda like a payment plan bankruptcy. Oh, Not no. as No. fun. No. Amazing. So that's pretty much it. Is there anything else on the cards for you guys the next three to five years? No. And we did buy a caravan, so that's an Amazing. asset as well. I shall I don't note know. that down. If Yep. you do you have any debt on it, or is it mainly just a clean purchase? No. We purchased it. Okay. And how much would that go for? Probably about well, between 70 and 80,000. Alright. I'll give the old 75 in the middle. Yep. There And you go. Why not? I do have to ask you all a important question. Are you guys planning to one day caravan around Australia in retirement, or is it more just for, you know, the next ten years?","start_word":1788,"end_word":2051,"sentiment":"neutral","sentiment_score":0.013348261487077583},{"text":"That would be amazing.","start_word":2052,"end_word":2055,"sentiment":"positive","sentiment_score":0.47818833589553833},{"text":"But, yeah, at the moment, it's just for doing sort of, like, short weekend trips while we can get away. Yep. Yep.","start_word":2056,"end_word":2077,"sentiment":"neutral","sentiment_score":0.08133881539106369},{"text":"Amazing.","start_word":2078,"end_word":2078,"sentiment":"positive","sentiment_score":0.5348650217056274},{"text":"And it's funny because it's Yeah. a bit of a dream for about half of Australia, which is like, we'll just have the mortgage paid off. We'll hop in a caravan. We'll go around the country. Yeah. Yeah. Hopefully, there's no oil crisis for a lot of people who are acquiring with their caravans because Yeah. that was probably unforeseen in terms of their retirement goals, but you've still Definitely. got a bit of time for that to resolve. Yes. Yep.","start_word":2079,"end_word":2159,"sentiment":"neutral","sentiment_score":0.058192990720272064},{"text":"Amazing.","start_word":2160,"end_word":2160,"sentiment":"positive","sentiment_score":0.4410829544067383},{"text":"When it comes to retirement and super Yep. so you can access your super at 60, and that's your preservation age. Okay. And 67 is when the age pension from Centrelink kicks in. Yes. So it's a bit of a balancing act between working a bit longer and growing your funds towards that age pension age or growing Yes. it a bit faster and retiring a bit earlier. I just Okay. wanted to kind of gauge with you what you foresaw for you and your family. Oh, we would definitely I mean, our aim wouldn't be to ultimately, yeah, retire earlier than later. Yep. And So so yeah. as I early think as possible. my husband yeah. My husband works very, very hard. You know, six days a week, you know, sixty plus, you know, hours a week as well. Yeah. So and he earns Amazing.","start_word":2161,"end_word":2306,"sentiment":"neutral","sentiment_score":0.10726382583379744},{"text":"decent money, which oh, yeah.","start_word":2307,"end_word":2311,"sentiment":"positive","sentiment_score":0.3406655788421631},{"text":"So, I mean, yes. Ideally, that's why I guess we, you know, wanna try and get this investment property working better for us. And there's lots of different strategies you can do too, like, when it comes to properties and getting funds into super or supplementing with rental income, transition strategies after 60. So there's enough things that we can kind of do now, but there's also Okay. more coming down the line that can kind of bump you up a little bit too.","start_word":2312,"end_word":2395,"sentiment":"neutral","sentiment_score":0.16729302118931497},{"text":"Okay. That sounds good.","start_word":2396,"end_word":2399,"sentiment":"positive","sentiment_score":0.5887545943260193},{"text":"For a bit of a joint retirement goal, I just wanted to quickly check base because of your your balance and your income level compared to your partner. I just Yep. wanted to briefly discuss what portion of that retirement income do you think you would need to contribute to it? Like, do you have an estimate on his super balance and I can kind of do a bit of a work back? I know it's just it's a lot more than me because Yeah. I I am gonna have my child and work part time for a while. Oh, gosh. I can't think off the top of my head. Yeah. It's That's something that okay. I can ask him, but, yeah, he could share. But, I mean, I'd say it's over 300,000. Yeah. So one thing that we can do is you're in a pretty high growth portfolio, so the whole aim is just kind of catch you up. Get as much returns Yes. as possible as Mhmm. you get closer to retirement because, you know, Yes. twenty years from now is quite a while to project out. We can Yep. refine that joint retirement planning conversation when you get a bit closer, like late Yep. fifties. Yep. If Well, for that's now the focus not is too just far get as off. much as possible, Yes. we can focus there. Yep. Absolutely. And we've got a few a few market cycles, I would sort of say, for you as well. Like, yes, it's not too far off, but every seven years or so, the market tends to grow for a few years, and then there's some sort of event that makes it crash. COVID, Yeah. GFC, Yes. war in Iran. And Yes. if you repeat Mhmm. that, let's say, fourteen years from now, you've got almost one market cycle to get as much growth as possible. You'd Yep. probably don't wanna be high risk at the age of 62 Yes. and lose Mhmm. half your super to a stock market crash just Yep. before retirement. Do you know what I mean? Yep. Absolutely. Mhmm. So it's like we can grow it for one cycle and then slowly reduce the risk for the second cycle, and that Yep. could look like going from 90 to a 100% in growth assets like shares and property, and then Mhmm. gradually trim that down the last seven years, eighty, seventy, 60, 40%, and then Yep. there's your pension account in your sixties to live off. Okay. Yep. Okay? So as long as you're okay to go kind of ride through the waves a little bit, use your contributions from work as a bit of a a buy in, bit of Yep. a buying Yes. opportunity whenever there's a dip, that would Yep. be the growth cycle that we're trying to do. Mhmm. Yep.","start_word":2400,"end_word":2880,"sentiment":"neutral","sentiment_score":0.06429747440958718},{"text":"Perfect. Perfect.","start_word":2881,"end_word":2882,"sentiment":"positive","sentiment_score":0.4332115054130554},{"text":"So I'm just having a look at the Netwealth account now. Have you do you log in every every now and then? Or Yeah. Not not as much as I should. I No. did It's okay. a raise of less. There's a lot of people that tend to watch it daily and panic themselves every time Oh, there's wow. a news article and their super Yes. fund shoots up and down a few thousand dollars. So I wouldn't go too crazy with it, but a bit of Mhmm. visibility is always nice. Now when it comes to the options that you've got, do you recall anything about what you're invested in, risk levels, that kind of thing? I no. No. That's okay. Exactly. Yeah. I think it was yeah. Like, at higher risk at the moment. Yep. Yeah. Pretty Yeah. much Could everything you've got is a split between international shares, Australian shares, and gold, which is your alternative. Yep. That's Okay. your sort of high growth mix at the moment. Yeah. I pity it was an oil. Yeah. There's definitely a few companies in there benefiting from that, but, yeah, a bit of crude oil would be nice to Yeah. track that price. Yeah.","start_word":2883,"end_word":3087,"sentiment":"neutral","sentiment_score":-0.01988306768783709},{"text":"Absolutely. Most of the options have done fantastic.","start_word":3088,"end_word":3095,"sentiment":"positive","sentiment_score":0.6244726181030273},{"text":"Out of the you've got five, six, seven, eight main options. Mhmm. Seven of them have gone up double digits. So high growth, you're aiming for about 10% or above as an average long term return. You've got gold up 25. Europe's up 14. Japan's up 21%.","start_word":3096,"end_word":3142,"sentiment":"neutral","sentiment_score":0.22366128861904144},{"text":"Thank you, Japan, for coming back the last couple of years, and Yeah. your international shares have gone up 11% as well. So that's all doing good.","start_word":3143,"end_word":3169,"sentiment":"positive","sentiment_score":0.4805806577205658},{"text":"There was a change that we made to your portfolio. Did you receive an email from us in the last couple of months? Do you remember seeing an email from us? Not off the top of my head. That's I can okay. have a look. I'll kind of explain what change Oh, yep. we made. Normally, when we go through reviews, we go through all of your options, make sure they're all performing well. If there's three or four of them that are doing badly, we need to rebalance your whole portfolio. If it's Yes. just one, we tend to track it for a while, and we may do some advice to switch it out if we need to. Gotcha. Yes. What happened in this case was something a little bit more extreme than that. So your Australian shares option, one of them, had kind of shot off downwards away from the rest of the pack and Yep. away from the Australian market. So it just started going down, and it wasn't bouncing back in amongst everybody else. Yep. So on a licensee level, our investment committee made the decision to do a sweeping change across all client Yep. accounts rather than wait for us to go through the review, Yep. wait for Yes. us to update the advice because it was kind of that extreme of a situation. No. That's good. So what happened was that was dropping at about 11% even though most Aussie funds were up a couple of percent for the year. Mhmm. Yep. And we've since sold out of that pretty recently for you into just a standard a 200 ETF, so much, much lower fees, and Mhmm. Yep. it's already bounced back three or 4%. Okay.","start_word":3170,"end_word":3461,"sentiment":"neutral","sentiment_score":-0.05735317081825374},{"text":"So as far as my view of it, you're still hitting those long term average returns.","start_word":3462,"end_word":3477,"sentiment":"positive","sentiment_score":0.4418768882751465},{"text":"You're still up a few percent a year even though the stock market's been plummeting. All of the options have now been kind of fixed, Yeah. Okay.","start_word":3478,"end_word":3504,"sentiment":"neutral","sentiment_score":0.149916872382164},{"text":"and they're all performing the way they should be.","start_word":3505,"end_word":3513,"sentiment":"positive","sentiment_score":0.391126811504364},{"text":"So the only real changes we could consider is, a, putting more contributions in, but, again, cash flow is a bit tight for you at the moment, Mhmm. Yep. or changing risk level. So I do just need to double check that you're okay for that sort of high growth approach still. Yep. It's hard to say. Yeah. It's a gamble, isn't it, really? I mean, because I well, I'm turning 50 this year. So Yep. yeah. Hard to say. Now this may help you a little bit, and I'm not trying Yeah. to kind of steer you in either direction. But if we're trying to get as much growth out of it as possible, we kind of need to stay Yeah. So high growth yeah. and average out the returns until you're closer Yes. as Okay. You long as know you're that comfortable that it bounces stuff. between, oh, what is it, a hundred and hundred and twenty one thousand now. So a high growth could go down to, like, 90,000 and be one seventy the next Yes. year. Okay. Yep. Alright. Let let's leave it for now, and then that's why we have these annual reviews. Yeah. And we can always change it again. Yep. The way I would kind of describe the current situation is like, imagine if you bought that investment property. You've got the value of it's sitting at 800,000. If that went down to 600,000, would that be a flag for you to rush off and sell it and crystallize that loss, or would you say, oh, that's a buying opportunity. I'll grab two more if you can afford to do so. Yes. That would be more the case. For sure. Definitely. Yeah. So what we're doing with your contributions Mhmm. is we're just gradually buying all of these companies, gold properties, and so on. And then Yep.","start_word":3514,"end_word":3827,"sentiment":"neutral","sentiment_score":0.002129893162685215},{"text":"when the market bounces back, you get that nice big return on the way up, which Yep. could be ten, twenty, 30% up.","start_word":3828,"end_word":3850,"sentiment":"positive","sentiment_score":0.4246833324432373},{"text":"Yep. Okay?","start_word":3851,"end_word":3852,"sentiment":"neutral","sentiment_score":0.2571205198764801},{"text":"Sounds good.","start_word":3853,"end_word":3854,"sentiment":"positive","sentiment_score":0.4942532479763031},{"text":"Yep. Outside of that, the insurance is coming out of the account as well. Do you recall your Neos policy? Yes. So I know I've got that there. So Yep. yes. Whether that's still, I guess, relevant, like, the the amount that it's there for or whether That's that what can I wanted be dropped to run down. by you. Yes. Yep. $523,006.82 of life insurance and total disability. So it's just about half a mil plus Yep. your your super. So that pretty much covers your mortgage plus another couple 100,000 and your super on top. Mhmm. Yeah. Now premium wise, it's actually not too bad considering Okay. 49 turning 50. It's sitting at Which 20 book? 200. Mhmm. It goes down to $1.08 $9.03 after a 15% rebate because all of those premiums inside Super, they get a tax rebate. Okay. Yep. That brings it down a little bit. We Yeah. do have to keep an eye on that because it will increase every year and through the fifties. I get older. If Yeah. you close your eyes for seven years, it would be six grand before you know it. Yes. Yep. Mhmm. So the main thing is as you pay down that mortgage is we will Mhmm. have to trim it down gradually as well. Yes. Yep. Is it worth doing that? Yep. It wouldn't have too big of a a difference Okay. Gotcha. unless Yep. you wanted to literally just chop it in half and just make it just in line with your mortgage value, and then that Yeah. would obviously reduce it by about 45%, save you a thousand bucks. Possibly. So it really depends on okay. Let's say you can never work again. Do you want the mortgage Yes. cleared off plus a couple of $100 to supplement lost income up until retirement? Because that'll cover you for about five, six years of lost income, or Mhmm. do Yes. you just wanna clear the debt and let your partner's income cover it? Maybe we'll leave it for another year and then we'll see. Well, yeah, we'll keep an eye on it. We'll leave it over this then. Okay. Yep. That might be the the trick afterwards because you've Mhmm. got policy anniversary in July, Yeah. and the the figures will change around then as well. Are you okay for me to pencil you in for a catch up around July? Yeah. Yeah. Absolutely. That way, once we've got the anniversary premiums, if we need to alter it, it's Yep. prorated. So let's say they Yep. take that yearly premium out and we chop Mhmm. it in half and Yep. it's only been two days, Yes. they'll refund, like, 99% of it. Gotcha. Yeah. No. That sounds good. Cool. With your occupation change, I'm just wondering if that affects pricing. Yep. Medical receptionist, pharmacy assistant. No. I think that would be pretty similar in risk I would level. imagine. Yeah. If they bump you up to a manager or something like that, you could potentially get a cheaper premium that way as well. Okay.","start_word":3855,"end_word":4373,"sentiment":"neutral","sentiment_score":0.039847163383010954},{"text":"Cool.","start_word":4374,"end_word":4374,"sentiment":"positive","sentiment_score":0.39146190881729126},{"text":"There's no income protection or trauma insurance, I'm assuming. I mean, with the casual income, your partner's income is the main one to insure. Would you agree? Yes. Yes. Without a doubt. Yep. And I'm assuming you probably don't want another $5 worth of premiums for some income protection at the moment. No. That's how I got done when I was with Rest. And Oh, I was paying income protection, and then I went on the 10 early lead. They went back part time. And it just all stayed the same because, you know, that's not where my head was at. And so I went from playing. Yeah. And it was just so much money went down the drain.","start_word":4375,"end_word":4493,"sentiment":"neutral","sentiment_score":-0.0845564752817154},{"text":"That's, yeah, that's a bit painful.","start_word":4494,"end_word":4499,"sentiment":"negative","sentiment_score":-0.3735538423061371},{"text":"My main job is to say, hey. You could have these four insurances. Are they appropriate? Yes or no? Yep. For you, No. life and TPD is. Income protection, Mhmm. not so much. No. Mm-mm. Yep. And it's up to you whether you feel like you can afford to get some trauma insurance out of pocket for heart attack, stroke, and cancer. You can't fund it through your super. If you have a heart attack, do you rely on your partner in the public health system, or would you like insurance for that? I guess what is what would the cost be? I would say for a standard 100,000 worth of cover, it would probably be around 100 to 200 a month. Okay. Yeah. I'd not at this stage. I don't see I mean, yes. Look. Ideally, love it. We'd love to put Yeah. that on there and cover it. But yeah. Another 100 to 200 a month out of what I earn is yeah. I mean, all that money goes in together anyway, but, yes, I think we'll just try and get this house paid off. Yeah. No. Yeah. So Totally that would fine. make a difference. Yeah. Mhmm. I am guided by you.","start_word":4500,"end_word":4704,"sentiment":"neutral","sentiment_score":-0.021383874118328094},{"text":"That is perfect.","start_word":4705,"end_word":4707,"sentiment":"positive","sentiment_score":0.6318495273590088},{"text":"The last thing I was gonna check was just in terms of beneficiaries. I Mhmm. might have to dig into the accounts a bit deeper. The certificate of currency for Nios doesn't actually tell me who's listed Okay. on there. I'm assuming you still want your partner to receive the super and the life insurance. Is that right? Yes.","start_word":4708,"end_word":4766,"sentiment":"neutral","sentiment_score":0.009979039162271105},{"text":"Perfect. Perfect.","start_word":4767,"end_word":4768,"sentiment":"positive","sentiment_score":0.4030993580818176},{"text":"So what I'll do is straight after this call, I will send you a message once I've logged in to both accounts just to double check that that's all up to date. If not, we can Sure. send you the forms. Yep. Okay.","start_word":4769,"end_word":4811,"sentiment":"neutral","sentiment_score":0.09713218361139296},{"text":"Perfect. Perfect. Perfect.","start_word":4812,"end_word":4814,"sentiment":"positive","sentiment_score":0.38849228620529175},{"text":"Now that was a bit of info to throw at you, Nicola, but do Mhmm. you have any questions so far? No. So yeah.","start_word":4815,"end_word":4838,"sentiment":"neutral","sentiment_score":0.1339259892702103},{"text":"Sounding all good at the moment.","start_word":4839,"end_word":4844,"sentiment":"positive","sentiment_score":0.35406923294067383},{"text":"Okay. Are you happy with how everything's going so far since you've been a client? Because you've been a client with us for for quite a while. Yeah. Yeah. It's been quite some time. And, yes, I mean, the market has, yeah, been hit hard, I guess, with, like you mentioned, due to COVID and all of that. And it was so yeah. But it's definitely I feel like my soup has grown. Definitely in comparison to where I had it prior. And you guys definitely do seem to yeah. You're more invested in your clients than, you know, Yep. those big bulk, you know, ones That's that super tend fun to that just just sits in the background. yeah. You're Yeah. just a number. Yeah. Yeah. Absolutely.","start_word":4845,"end_word":4972,"sentiment":"neutral","sentiment_score":0.10890527814626694},{"text":"My the fun thing for me is just kind of seeing people go through each life stage and kind of being alongside that.","start_word":4973,"end_word":4995,"sentiment":"positive","sentiment_score":0.3870849013328552},{"text":"So, you know, there's some people who have a couple of teenagers Yeah. and they're investing so they can help with the house deposit. Yeah. We get to be there when they retire and have their pension Yeah.","start_word":4996,"end_word":5033,"sentiment":"neutral","sentiment_score":0.2276751846075058},{"text":"accounts go on their first holiday. It's it's pretty fun. It's rewarding. So that is good.","start_word":5034,"end_word":5049,"sentiment":"positive","sentiment_score":0.6197501420974731},{"text":"Yeah. For sure. I mean, when I think about what we've done since I have joined you guys, you know, we we went to Italy for a month. We did that. We've, you know, yes, reduced our mortgage. We bought a caravan. We've probably yeah. We've got a new car. So yeah. There's yeah. Few things we've done. So and, you know, which you don't necessarily always think about until, you know, it's a situation like this when you're going over Yeah. And sometimes that can be the biggest help for us. People just kind of they just go through life and life skips by really quickly it. and not taking a time to just kind of pause, talk about it, look at a few things, and try something. And sometimes Yeah. that can be enough to just kind of pivot the direction in the right path, if that makes sense. Yeah.","start_word":5050,"end_word":5201,"sentiment":"neutral","sentiment_score":0.09216369007174906},{"text":"Yep. Absolutely. Awesome.","start_word":5202,"end_word":5204,"sentiment":"positive","sentiment_score":0.5524206161499023},{"text":"Now with that pack that I've sent you through, it contains a number of documents that are kind of attachments Yes. as well as I a see link them. as well. Yep. So attached, we've got updated financial services guide. That's like Mhmm. our licensing details, complaints procedure, what we can advise on. Yep. You've got a bit of a Vanguard chart, which just talks about the history of the markets for a bit of a long term view, your certificate of currency for the insurance, your performance for the net wealth, and an overview services guide as Mhmm. well. Okay. Yep. Now I do have to ask the all important question. Are you comfortable for us to remain your advisers for the next twelve months? Yes.","start_word":5205,"end_word":5331,"sentiment":"neutral","sentiment_score":0.11814770847558977},{"text":"Perfect.","start_word":5332,"end_word":5332,"sentiment":"positive","sentiment_score":0.4208762645721435},{"text":"We do have to get your consent on a yearly basis to remain Mhmm. on the accounts. So included in the little blue link is a service agreement, and that has 1.65% of the fees. That's been included in the returns. So, again, Mhmm. Yep. net returns after fees. And Mhmm. once you hit 600,000 in your balance, which is the ideal target to get everyone up to that million mark, it does Yeah. cap when you're at 600,000. Yeah. Yeah. K? Now it may seem like you may never get there, but it you'd be surprised what can happen in those later years where you go from $2.50, 300, and all of a sudden, seven Yeah. years later, you're sitting at $506,100. Okay. So Yep. it can really compound those last ten years or so. Yep. Okay. Okay? I'm just gonna double check if there was anything else in that pack because we've Mhmm. just been updating some details in the new system. So please just bear with me for one quick moment. Yes. There is a tax file number opt in form. Mhmm. No. So with all the cybersecurity issues of last year, we don't wanna hold your all important tax file number in a bunch of Sure. digital Yep. So this is just a form to say, hey. Are you comfortable for us to hold it on this one document instead? Because it Sure. is such an important identifier for you. Okay. Yep. Cool. Do you have any questions for me before I let you go?","start_word":5333,"end_word":5591,"sentiment":"neutral","sentiment_score":0.028831465479029653},{"text":"Nice. Awesome.","start_word":5592,"end_word":5593,"sentiment":"positive","sentiment_score":0.5086243152618408},{"text":"Other than I I just need to sign this machine.","start_word":5594,"end_word":5603,"sentiment":"neutral","sentiment_score":0.26606589555740356},{"text":"if you could, please, that'd be fantastic, Mhmm.","start_word":5604,"end_word":5611,"sentiment":"positive","sentiment_score":0.435602605342865},{"text":"and I will link in with the team to book you in around July. Yeah. I'm actually going on paternity leave. Got a daughter Oh, coming in congratulations. June. Thank you. Number three. So I don't Oh, know why wow. we went to do that, but, you Yep. know, it'll be fun later down the line, I'm sure. And I should be back towards the June. So Mhmm. as Okay. soon as I'm back, I'll get the team to reach out and try and find a time with you. Yes.","start_word":5612,"end_word":5701,"sentiment":"neutral","sentiment_score":0.10693926364183426},{"text":"Awesome.","start_word":5702,"end_word":5702,"sentiment":"positive","sentiment_score":0.33339759707450867},{"text":"If anything pops up in between, please just give us a call. Mhmm. No worries. Awesome, Alright. Nicola.","start_word":5703,"end_word":5720,"sentiment":"neutral","sentiment_score":0.1911197304725647},{"text":"Thank you so much for your time.","start_word":5721,"end_word":5727,"sentiment":"positive","sentiment_score":0.8016107678413391},{"text":"Anything else I can do? No. Nope. That's alright. I'm signing it. It's loading right now. So, actually, that will go through shortly.","start_word":5728,"end_word":5750,"sentiment":"neutral","sentiment_score":0.10081372410058977},{"text":"Cool.","start_word":5751,"end_word":5751,"sentiment":"positive","sentiment_score":0.486936628818512},{"text":"When you go through to the end, there'll be a pop up if you wanna download a signed copy for your records.","start_word":5752,"end_word":5773,"sentiment":"neutral","sentiment_score":0.2115884870290756},{"text":"Okay. Fantastic. Thank you. Awesome, Nicola. Have a fantastic day, Alright. and we'll talk soon. You too. All the best. Thank you. Thank you.","start_word":5774,"end_word":5797,"sentiment":"positive","sentiment_score":0.6373016238212585},{"text":"Bye. Bye bye.","start_word":5798,"end_word":5800,"sentiment":"neutral","sentiment_score":0.2411101311445236}],"average":{"sentiment":"neutral","sentiment_score":0.05981678366517481}}}}