{"metadata":{"transaction_key":"deprecated","request_id":"019efd56-3488-7450-86c3-23b0eebd0bdf","sha256":"53cd7bf4d1c16b61def741f5661717a7d64533b509a0db97a0601fbe6ce9b4a8","created":"2026-06-25T05:52:28.117Z","duration":868.17596,"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":3231,"output_tokens":91},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3599,"output_tokens":3607},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3599,"output_tokens":351}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Laurie. It's Tommy here, senior adviser of Oakview. How are you doing today? Living the dream so far. The sun's finally come out today. What about your end? Look, it was a fun watch, I've got to admit. And I they did have a few good chances there, but we do have three Scotsman in the office there, and they were not having the best time. Yeah. I do appreciate you taking a bit of time with me today. I have a bit of an updated advice discussion to go through with you. Do you have a bit of time this afternoon? Yep. Yep. Perfect. Yep. Yep. Just come back to that. Let all the legislation settle down a little bit. Yep. Yep. Perfect. So it's more than our end of few things that we wanted to look at changing. And if everything else has been pretty stable, I'm notated to kind of let the file take over and and let things play out. Now I do have a bit of an updated advice document that I wanna send through to you if that's okay. Cool. So what I'll do is just because it is obviously personal information, just wanna do the quick security check. And do you remember your client password? Perfect. Perfect. That's a nice and easy one. Now will you then look onto this email with me, or would you be okay to just review these documents afterwards? Yep. Perfect. So what's kind of coming through to you is you had a bit of a discussion last year, and there's been quite a few changes in the industry as you've seen, not just but markets, global events, and so on. So I'm wanting to update a couple of the investments inside the super just to do a bit of an engine, sure enough, realistically. Now what that basically means is that most of the investments in five or two, but they're looking pretty good. There's one that's been a bit of a drag on there, which is a Ben along Australian shares option, which hasn't kind of bounced back the way we thought it would after the drop in March. It's kind of still been dragging its feet, if that makes sense. So I've kind of put together a few updates where I wanna just kind of replace that one like for like. It'll be a little bit less in fees, much better performance, but it's not gonna fundamentally change how we're investing. It's just, again, a bit of a tune up on the engine. Now outside of that, you did have a discussion with one of my colleagues about potentially reducing the Suncorp life insurance to get the fees down a little bit. Does that ring a bell? It does. It does. And I think based on that conversation, there was a few priorities, and I really like how you how you worded it. And it's like a bit of a priority to pay off the mortgage, of course, but also even just having that sort of five years of income replacement for some grazing time until the kids are 18. Does that sort of ring a bell? Yeah. So one of the things that you could do is because there's $2,000,000 in life insurance with Suncorp and another 430,000 with QSuper, we calculated that you only really needed around about 1.2, 1.4 all up, and you're kind of quite over insured just based on that calculation. So one of the things that we did do a bit of a reduction quote with them just to get some updated figures, And you could drop it from, say, 2,000,000 to, say, 850,000, and that'd kind of half the premiums from about 1,200 to $6.50, around about. But I do wanna be guided by you in in that that's our calculation on what your needs are, but it is about how much you feel that you guys need as well. Yeah. Yeah. So what I'm including in these documents is I do have a reduction quote, and we can kind of help action that a little bit as well just to speed up the process. Cool. So the only other thing to cover off on is just with the q super, that's grown quite a bit now with the contribution. So if you ring remember, we usually do a bit of a top up rollover across just to get the money into the main portfolio. I definitely don't wanna replace it right now because it is does have the the TPD cover as well, the disability cover. And I don't wanna replace that with something that may give you, like, a back exclusion or something that you can't claim on. Now I guess the good thing too is Qsu has kept their fees pretty low. So to maintain the account, it's only, like, 70 something dollars flat fee a year, and everything else is kind of percentage based. So it's not really putting a huge anchor on the growth, if that makes sense. Cool. Yes. Yeah. And even the Suncorp wasn't too expensive. Like, I've seen some policies floating $3.04, 5,000. But if that was something where you do wanna save a bit, a bit of a trim down could be okay. K. So what I might do is I might send through these documents to your Gmail account. It's going to include statement of advice just showing the portfolio switch, the rollover, and the investment sorry, insurance reduction. And just make sure you're comfortable with all of that. So I am gonna pop that through to you. Do you mind if I just quickly update a couple of those details you mentioned at the start of the call? So you're still at the same address in Mooresland, I believe. Yep. Perfect. And have they changed your income much from I think it was about 120,000. Yeah. That's good. Yep. And in terms of the home, you said you just done that refinance there. I think last check, we had about 1 and a half mil value, $7.30 owing, and a bid in the offset account as well. Yeah. Yep. Perfect. And I think you had a a Tesla listed there as well with a bit of debt owing on that one. Yep. Cool. So I think I'll put that around the 80 mark for that one. Outside of that, I think everything's looking pretty good. Didn't end up getting, like, a actually, were you pretty close to putting a will in place? Yeah. That's okay. And I'm I'll put the usual reminder in the advice document about wills and powers of attorney. Again, through the unions is pretty cool. The the old post office will kit, though it's legal, they're pretty basic. And besides so the basic ones, they are, like, government approved. That's why those posters are allowed to sell them. But outside of, like, you know, this is where the home and the cash goes, you're you're not gonna be setting up, like, a testament through trust for the kids or anything like that. Yep. Easy done. And we wanted to update beneficiaries on the super accounts and just make sure everything's going where it should be. Are you just wanting to make sure that Kev gets pretty much all the super, all the life insurance, just all of it? So so I might get my admin, Michelle, just to send through some beneficiary forms. At least that's pretty easy. It's just to get them witnessed by two adults who aren't. And would you like them to be, like, continuous for non lacing, or do you want it to expire every three years? Yeah. Perfect. Yep. Yeah. That's easy. Done. And are you okay for them to be kind of emailed and printed, or would you like them to post it? Yep. Beautiful. So what I'll do is I've also just included the updated service agreement as well because I think yours clicked off two weeks ago, and we can't make any changes to the account unless we're listed as your reply. You're still on the discounted fee structure with Kev, the one point 1% instead of the one six five. We do have a tiered structure coming through next year. So that will basically mean that the higher the balance, the lower the percentage goes. So it'll start actually ticking down at the next review below the 1.1 as well. So what I'll do is I'm just gonna quickly get the document amended with the updated details, and then I'll pretty much just email that through within the next half an hour or so. Amazing. Pretty much. And it's through our, like, custom built system called Odoo. Just exactly the same as DocuSign, but purple. It'll click you through to stamp signatures and, like, dates and everything if you just click the button. There is a lot of extra documents that are, like, a thousand pages of product documents from Suncorp and Hub twenty four. You can just click next document. You don't have to scroll through all 900 pages. The only one that I would kind of caution on is for the Suncorp production quote, you're probably better off just clicking on the signature and drawing it so it matches your ID. I'm assuming your signature won't change for the next ID that comes through. Gotcha. Perfect. Perfect. Perfect. Alright. So I'll get that through in the next half an hour or so. Do you have any questions for me? So if you go through that advice document and you do have any questions, please just give us a call. I'm happy to jump on and sort of explain the pros and cons to you. But, again, pretty straightforward. Update the portfolio, get the performance back on track, move some funds around, reduce some fees and insurances, and update the estate plan. Amazing, Laura. I'll send that through soon, and you have a fantastic day. Thank you. Bye.","confidence":0.9970703,"words":[{"word":"good","start":3.52,"end":3.84,"confidence":1.0,"punctuated_word":"Good","sentiment":"neutral","sentiment_score":0.21255695819854736},{"word":"afternoon","start":3.84,"end":4.3199997,"confidence":0.9921875,"punctuated_word":"afternoon,","sentiment":"neutral","sentiment_score":0.20835691690444944},{"word":"laurie","start":4.3199997,"end":4.56,"confidence":0.73010254,"punctuated_word":"Laurie.","sentiment":"neutral","sentiment_score":0.1937804818153381},{"word":"it's","start":4.56,"end":4.7999997,"confidence":1.0,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.14951050281524658},{"word":"tommy","start":4.7999997,"end":5.12,"confidence":0.98291016,"punctuated_word":"Tommy","sentiment":"neutral","sentiment_score":0.11763513833284378},{"word":"here","start":5.12,"end":5.44,"confidence":0.9411621,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.0986422598361969},{"word":"senior","start":5.44,"end":5.7599998,"confidence":0.98291016,"punctuated_word":"senior","sentiment":"neutral","sentiment_score":0.08146917074918747},{"word":"adviser","start":5.7599998,"end":6.16,"confidence":0.90234375,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":0.11061349511146544},{"word":"of","start":6.16,"end":6.24,"confidence":0.37890625,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10764535516500472},{"word":"oakview","start":6.24,"end":6.56,"confidence":0.78792316,"punctuated_word":"Oakview.","sentiment":"neutral","sentiment_score":0.11332082748413086},{"word":"how","start":6.56,"end":6.72,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.1639445275068283},{"word":"are","start":6.72,"end":6.7999997,"confidence":0.8691406,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.18034593760967255},{"word":"you","start":6.7999997,"end":6.96,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1702151000499725},{"word":"doing","start":6.96,"end":7.2,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.21705889701843264},{"word":"today","start":7.2,"end":7.7,"confidence":1.0,"punctuated_word":"today?","sentiment":"neutral","sentiment_score":0.19361251592636108},{"word":"living","start":10.24,"end":10.559999,"confidence":0.9902344,"punctuated_word":"Living","sentiment":"positive","sentiment_score":0.44483932852745056},{"word":"the","start":10.559999,"end":10.719999,"confidence":0.9892578,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.44750311970710754},{"word":"dream","start":10.719999,"end":11.04,"confidence":0.98095703,"punctuated_word":"dream","sentiment":"positive","sentiment_score":0.5117154121398926},{"word":"so","start":11.04,"end":11.2,"confidence":0.9980469,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.38358521461486816},{"word":"far","start":11.2,"end":11.5199995,"confidence":0.828125,"punctuated_word":"far.","sentiment":"positive","sentiment_score":0.42235517501831055},{"word":"the","start":11.5199995,"end":11.759999,"confidence":0.78466797,"punctuated_word":"The","sentiment":"positive","sentiment_score":0.3612119853496551},{"word":"sun's","start":11.759999,"end":12.0,"confidence":0.9404297,"punctuated_word":"sun's","sentiment":"positive","sentiment_score":0.339790403842926},{"word":"finally","start":12.0,"end":12.4,"confidence":1.0,"punctuated_word":"finally","sentiment":"neutral","sentiment_score":0.24456600844860077},{"word":"come","start":12.4,"end":12.559999,"confidence":0.9921875,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.28569281101226807},{"word":"out","start":12.559999,"end":12.719999,"confidence":0.99902344,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.33776822686195374},{"word":"today","start":12.719999,"end":13.04,"confidence":0.99853516,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":0.2652178704738617},{"word":"what","start":13.04,"end":13.2,"confidence":1.0,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.06006463244557381},{"word":"about","start":13.2,"end":13.44,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.04090572148561478},{"word":"your","start":13.44,"end":13.679999,"confidence":0.8852539,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0325046181678772},{"word":"end","start":13.679999,"end":14.085,"confidence":0.9863281,"punctuated_word":"end?","sentiment":"neutral","sentiment_score":0.09716977179050446},{"word":"look","start":21.365,"end":21.605,"confidence":0.61376953,"punctuated_word":"Look,","sentiment":"neutral","sentiment_score":0.11343308538198472},{"word":"it","start":21.605,"end":21.845,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.19130566716194153},{"word":"was","start":21.845,"end":22.345,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.2175484299659729},{"word":"a","start":22.404999,"end":22.645,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2723557949066162},{"word":"fun","start":22.645,"end":22.965,"confidence":1.0,"punctuated_word":"fun","sentiment":"positive","sentiment_score":0.3409932553768158},{"word":"watch","start":22.965,"end":23.365,"confidence":0.80810547,"punctuated_word":"watch,","sentiment":"positive","sentiment_score":0.3897136449813843},{"word":"i've","start":23.365,"end":23.605,"confidence":0.9074707,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.34125956892967224},{"word":"got","start":23.605,"end":23.765,"confidence":0.90625,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.4216446876525879},{"word":"to","start":23.765,"end":23.925,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4153003394603729},{"word":"admit","start":23.925,"end":24.325,"confidence":0.81030273,"punctuated_word":"admit.","sentiment":"neutral","sentiment_score":0.27409571409225464},{"word":"and","start":24.325,"end":24.564999,"confidence":0.99609375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06746969372034073},{"word":"i","start":24.564999,"end":24.724998,"confidence":0.9614258,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.00990484654903412},{"word":"they","start":24.805,"end":24.885,"confidence":0.9970703,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.0012280195951461792},{"word":"did","start":24.885,"end":25.125,"confidence":0.96777344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.06235058605670929},{"word":"have","start":25.125,"end":25.285,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.005792140960693359},{"word":"a","start":25.285,"end":25.365,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.020303484052419662},{"word":"few","start":25.365,"end":25.605,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.026316054165363312},{"word":"good","start":25.605,"end":25.845,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.05402947962284088},{"word":"chances","start":25.845,"end":26.325,"confidence":0.9980469,"punctuated_word":"chances","sentiment":"neutral","sentiment_score":0.09439735859632492},{"word":"there","start":26.325,"end":26.564999,"confidence":0.9824219,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.14253251254558563},{"word":"but","start":26.564999,"end":27.0,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.03213164955377579},{"word":"we","start":27.08,"end":27.24,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.27063843607902527},{"word":"do","start":27.24,"end":27.4,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.17973937094211578},{"word":"have","start":27.4,"end":27.9,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.31883639097213745},{"word":"three","start":27.96,"end":28.28,"confidence":0.9902344,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.29846417903900146},{"word":"scotsman","start":28.28,"end":28.78,"confidence":0.68115234,"punctuated_word":"Scotsman","sentiment":"neutral","sentiment_score":-0.2818022668361664},{"word":"in","start":28.84,"end":28.92,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1487087905406952},{"word":"the","start":28.92,"end":29.08,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16357459127902985},{"word":"office","start":29.08,"end":29.4,"confidence":1.0,"punctuated_word":"office","sentiment":"neutral","sentiment_score":-0.13331955671310425},{"word":"there","start":29.4,"end":29.64,"confidence":0.82666016,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.18338653445243835},{"word":"and","start":29.64,"end":29.88,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2471079528331757},{"word":"they","start":29.88,"end":30.04,"confidence":1.0,"punctuated_word":"they","sentiment":"negative","sentiment_score":-0.40108776092529297},{"word":"were","start":30.04,"end":30.52,"confidence":0.9970703,"punctuated_word":"were","sentiment":"negative","sentiment_score":-0.46055805683135986},{"word":"not","start":30.52,"end":30.76,"confidence":0.8881836,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.4656560719013214},{"word":"having","start":30.76,"end":31.0,"confidence":1.0,"punctuated_word":"having","sentiment":"negative","sentiment_score":-0.3648285567760467},{"word":"the","start":31.0,"end":31.08,"confidence":0.9980469,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4176945984363556},{"word":"best","start":31.08,"end":31.4,"confidence":1.0,"punctuated_word":"best","sentiment":"negative","sentiment_score":-0.4236739873886109},{"word":"time","start":31.4,"end":31.9,"confidence":0.90649414,"punctuated_word":"time.","sentiment":"negative","sentiment_score":-0.42830342054367065},{"word":"yeah","start":34.44,"end":34.6,"confidence":0.7651367,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0728791207075119},{"word":"i","start":34.6,"end":34.76,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13492566347122192},{"word":"do","start":34.76,"end":34.92,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.16508764028549194},{"word":"appreciate","start":34.92,"end":35.239998,"confidence":1.0,"punctuated_word":"appreciate","sentiment":"neutral","sentiment_score":0.2746325135231018},{"word":"you","start":35.239998,"end":35.4,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2174586057662964},{"word":"taking","start":35.4,"end":35.72,"confidence":0.99316406,"punctuated_word":"taking","sentiment":"positive","sentiment_score":0.34059038758277893},{"word":"a","start":35.72,"end":35.8,"confidence":0.9863281,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.26554250717163086},{"word":"bit","start":35.8,"end":35.96,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2736782431602478},{"word":"of","start":35.96,"end":36.04,"confidence":0.9970703,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.38289228081703186},{"word":"time","start":36.04,"end":36.28,"confidence":1.0,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.3996184766292572},{"word":"with","start":36.28,"end":36.44,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.333359032869339},{"word":"me","start":36.44,"end":36.68,"confidence":1.0,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.33963561058044434},{"word":"today","start":36.68,"end":37.18,"confidence":1.0,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":0.32714998722076416},{"word":"i","start":37.8,"end":37.96,"confidence":0.94140625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09881743788719176},{"word":"have","start":37.96,"end":38.44,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10872166603803636},{"word":"a","start":38.44,"end":38.52,"confidence":0.6855469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10069970041513444},{"word":"bit","start":38.52,"end":38.76,"confidence":0.93115234,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.08922940492630005},{"word":"of","start":38.76,"end":38.84,"confidence":0.8413086,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11956977099180222},{"word":"an","start":38.84,"end":39.0,"confidence":0.9863281,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.11280379444360732},{"word":"updated","start":39.0,"end":39.48,"confidence":0.9560547,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.13282731175422668},{"word":"advice","start":39.48,"end":39.88,"confidence":0.93408203,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.13266514241695404},{"word":"discussion","start":39.88,"end":40.36,"confidence":0.96972656,"punctuated_word":"discussion","sentiment":"neutral","sentiment_score":0.1691765934228897},{"word":"to","start":40.36,"end":40.52,"confidence":0.8828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14591079950332642},{"word":"go","start":40.52,"end":40.76,"confidence":0.98828125,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1588890254497528},{"word":"through","start":40.76,"end":41.0,"confidence":0.98291016,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.12423249334096909},{"word":"with","start":41.0,"end":41.16,"confidence":0.94384766,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.16261093318462372},{"word":"you","start":41.16,"end":41.32,"confidence":0.99560547,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.13192185759544373},{"word":"do","start":41.32,"end":41.4,"confidence":0.99609375,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.01244702935218811},{"word":"you","start":41.4,"end":41.559998,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.010026931762695312},{"word":"have","start":41.559998,"end":41.72,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.01331118866801262},{"word":"a","start":41.72,"end":41.8,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0024902038276195526},{"word":"bit","start":41.8,"end":41.96,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.00023810192942619324},{"word":"of","start":41.96,"end":42.12,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.006484623998403549},{"word":"time","start":42.12,"end":42.525,"confidence":0.9970703,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.011686667799949646},{"word":"this","start":42.525,"end":43.025,"confidence":0.9428711,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.011982597410678864},{"word":"afternoon","start":48.5325,"end":49.0325,"confidence":0.9724121,"punctuated_word":"afternoon?","sentiment":"neutral","sentiment_score":-0.03523975983262062},{"word":"yep","start":55.98,"end":56.38,"confidence":0.9645996,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0031283411663025618},{"word":"yep","start":56.38,"end":56.88,"confidence":0.94506836,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.015774913132190704},{"word":"perfect","start":64.3,"end":64.8,"confidence":0.91259766,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.12571972608566284},{"word":"yep","start":83.04,"end":83.36,"confidence":0.9921875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02398710511624813},{"word":"yep","start":83.36,"end":83.68,"confidence":0.98950195,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.016221385449171066},{"word":"just","start":83.68,"end":83.84,"confidence":0.99609375,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.004119491204619408},{"word":"come","start":83.84,"end":84.0,"confidence":0.9970703,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.00223640538752079},{"word":"back","start":84.0,"end":84.159996,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.012567434459924698},{"word":"to","start":84.159996,"end":84.24,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.015425626188516617},{"word":"that","start":84.24,"end":84.4,"confidence":0.9099121,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.019512087106704712},{"word":"let","start":84.4,"end":84.64,"confidence":0.9951172,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":-0.0073566436767578125},{"word":"all","start":84.64,"end":84.799995,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.0181640163064003},{"word":"the","start":84.799995,"end":84.96,"confidence":0.9707031,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02094998210668564},{"word":"legislation","start":84.96,"end":85.46,"confidence":0.9921875,"punctuated_word":"legislation","sentiment":"neutral","sentiment_score":-0.0024592354893684387},{"word":"settle","start":85.68,"end":86.0,"confidence":0.9658203,"punctuated_word":"settle","sentiment":"neutral","sentiment_score":-0.021465599536895752},{"word":"down","start":86.0,"end":86.24,"confidence":0.9980469,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.01634017378091812},{"word":"a","start":86.24,"end":86.32,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.00630674883723259},{"word":"little","start":86.32,"end":86.56,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.005795031785964966},{"word":"bit","start":86.56,"end":87.06,"confidence":0.9995117,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.009213102981448174},{"word":"yep","start":94.165,"end":94.485,"confidence":0.78759766,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.025399308651685715},{"word":"yep","start":94.485,"end":94.985,"confidence":0.8796387,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.018892740830779076},{"word":"perfect","start":99.125,"end":99.604996,"confidence":0.99365234,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.07761245965957642},{"word":"so","start":99.604996,"end":99.924995,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0629115104675293},{"word":"it's","start":99.924995,"end":100.16499,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.087480328977108},{"word":"more","start":100.16499,"end":100.325,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.05322436988353729},{"word":"than","start":100.325,"end":100.825,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.055053114891052246},{"word":"our","start":101.125,"end":101.365,"confidence":0.8618164,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.022725235670804977},{"word":"end","start":101.365,"end":101.524994,"confidence":0.9760742,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.0515904501080513},{"word":"of","start":101.524994,"end":101.685,"confidence":0.6298828,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08410213887691498},{"word":"few","start":101.685,"end":101.84499,"confidence":0.93408203,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.07624213397502899},{"word":"things","start":101.84499,"end":102.085,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.0727478414773941},{"word":"that","start":102.085,"end":102.244995,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06395949423313141},{"word":"we","start":102.244995,"end":102.485,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.047773875296115875},{"word":"wanted","start":102.485,"end":102.805,"confidence":0.91503906,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.06495119631290436},{"word":"to","start":102.805,"end":102.884995,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07294384390115738},{"word":"look","start":102.884995,"end":103.045,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.07502330839633942},{"word":"at","start":103.045,"end":103.204994,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.080288827419281},{"word":"changing","start":103.204994,"end":103.704994,"confidence":0.94628906,"punctuated_word":"changing.","sentiment":"neutral","sentiment_score":0.13374602794647217},{"word":"and","start":104.085,"end":104.564995,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1662956178188324},{"word":"if","start":104.564995,"end":104.725,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.23646217584609985},{"word":"everything","start":104.725,"end":105.125,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.2907615303993225},{"word":"else","start":105.125,"end":105.284996,"confidence":1.0,"punctuated_word":"else","sentiment":"positive","sentiment_score":0.3447810709476471},{"word":"has","start":105.284996,"end":105.524994,"confidence":0.99609375,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.2350970059633255},{"word":"been","start":105.524994,"end":105.685,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.258958101272583},{"word":"pretty","start":105.685,"end":106.005,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.2975093126296997},{"word":"stable","start":106.005,"end":106.505,"confidence":0.982666,"punctuated_word":"stable,","sentiment":"neutral","sentiment_score":0.26700109243392944},{"word":"i'm","start":106.645,"end":106.884995,"confidence":0.9719238,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.25290369987487793},{"word":"notated","start":106.884995,"end":107.384995,"confidence":0.6970215,"punctuated_word":"notated","sentiment":"neutral","sentiment_score":0.20784252882003784},{"word":"to","start":107.445,"end":107.604996,"confidence":0.36206055,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2060905694961548},{"word":"kind","start":107.604996,"end":107.924995,"confidence":0.97802734,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.17055827379226685},{"word":"of","start":107.924995,"end":108.16499,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2036872357130051},{"word":"let","start":108.16499,"end":108.485,"confidence":0.96777344,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.2137315571308136},{"word":"the","start":108.485,"end":108.564995,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1876969933509827},{"word":"file","start":108.564995,"end":109.064995,"confidence":0.9970703,"punctuated_word":"file","sentiment":"neutral","sentiment_score":0.1606176197528839},{"word":"take","start":109.65,"end":109.89001,"confidence":0.86279297,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.19060808420181272},{"word":"over","start":109.89001,"end":110.37,"confidence":0.99902344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.20080457627773285},{"word":"and","start":110.37,"end":110.69,"confidence":0.96533203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15340369939804077},{"word":"and","start":110.69,"end":110.93,"confidence":0.9790039,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13220007717609406},{"word":"let","start":110.93,"end":111.170006,"confidence":0.9941406,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.1794891208410263},{"word":"things","start":111.170006,"end":111.57001,"confidence":0.98828125,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.1195935755968094},{"word":"play","start":111.57001,"end":111.73,"confidence":0.99902344,"punctuated_word":"play","sentiment":"neutral","sentiment_score":0.1330345720052719},{"word":"out","start":111.73,"end":112.23,"confidence":0.9980469,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.14569106698036194},{"word":"now","start":113.25,"end":113.57001,"confidence":0.8232422,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.11793775111436844},{"word":"i","start":113.57001,"end":113.73,"confidence":0.95166016,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.126397967338562},{"word":"do","start":113.73,"end":113.97,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1672600954771042},{"word":"have","start":113.97,"end":114.090004,"confidence":0.9941406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12361013889312744},{"word":"a","start":114.090004,"end":114.21001,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10774125158786774},{"word":"bit","start":114.21001,"end":114.37,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.12522675096988678},{"word":"of","start":114.37,"end":114.53001,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11542090773582458},{"word":"an","start":114.53001,"end":114.69,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.12867318093776703},{"word":"updated","start":114.69,"end":115.090004,"confidence":0.9116211,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.11841987818479538},{"word":"advice","start":115.090004,"end":115.41,"confidence":0.5678711,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.16592301428318024},{"word":"document","start":115.41,"end":115.810005,"confidence":0.97314453,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.1315535306930542},{"word":"that","start":115.810005,"end":115.89001,"confidence":0.98535156,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12787482142448425},{"word":"i","start":115.89001,"end":116.05,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12424835562705994},{"word":"wanna","start":116.05,"end":116.29,"confidence":0.8027344,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.14843487739562988},{"word":"send","start":116.29,"end":116.61,"confidence":0.9863281,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.12747104465961456},{"word":"through","start":116.61,"end":116.850006,"confidence":0.9277344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.13556471467018127},{"word":"to","start":116.850006,"end":116.93,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13295021653175354},{"word":"you","start":116.93,"end":117.33,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13962796330451965},{"word":"if","start":117.33,"end":117.490005,"confidence":0.5288086,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12605801224708557},{"word":"that's","start":117.490005,"end":117.810005,"confidence":0.87402344,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.12314241379499435},{"word":"okay","start":117.810005,"end":118.310005,"confidence":0.9448242,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.1110364943742752},{"word":"cool","start":119.97,"end":120.29,"confidence":0.8015137,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.28321337699890137},{"word":"so","start":120.29,"end":120.53001,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12908941507339478},{"word":"what","start":120.53001,"end":120.770004,"confidence":0.9941406,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.11374703049659728},{"word":"i'll","start":120.770004,"end":120.93,"confidence":0.99902344,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.11557044833898544},{"word":"do","start":120.93,"end":121.170006,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12153411656618118},{"word":"is","start":121.170006,"end":121.33,"confidence":0.9604492,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08282314985990524},{"word":"just","start":121.33,"end":121.490005,"confidence":0.7758789,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08755308389663696},{"word":"because","start":121.490005,"end":121.73,"confidence":0.82910156,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.08135700225830078},{"word":"it","start":121.73,"end":121.89,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10293946415185928},{"word":"is","start":121.89,"end":122.05,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0942630097270012},{"word":"obviously","start":122.05,"end":122.37,"confidence":0.66845703,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.130173921585083},{"word":"personal","start":122.37,"end":122.850006,"confidence":0.9941406,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.0874333530664444},{"word":"information","start":122.850006,"end":123.350006,"confidence":0.8220215,"punctuated_word":"information,","sentiment":"neutral","sentiment_score":0.10658209025859831},{"word":"just","start":123.805,"end":123.965,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1076345518231392},{"word":"wanna","start":123.965,"end":124.125,"confidence":0.7426758,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.13421380519866943},{"word":"do","start":124.125,"end":124.284996,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.15127672255039215},{"word":"the","start":124.284996,"end":124.524994,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14962847530841827},{"word":"quick","start":124.524994,"end":124.765,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.1896609663963318},{"word":"security","start":124.765,"end":125.16499,"confidence":1.0,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.06569704413414001},{"word":"check","start":125.16499,"end":125.66499,"confidence":0.8654785,"punctuated_word":"check.","sentiment":"neutral","sentiment_score":0.09882280230522156},{"word":"and","start":125.80499,"end":126.30499,"confidence":0.99609375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.041836343705654144},{"word":"do","start":126.604996,"end":126.765,"confidence":0.9506836,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.02411806583404541},{"word":"you","start":126.765,"end":126.84499,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.034010760486125946},{"word":"remember","start":126.84499,"end":127.244995,"confidence":1.0,"punctuated_word":"remember","sentiment":"neutral","sentiment_score":0.03561395779252052},{"word":"your","start":127.244995,"end":127.48499,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03692779690027237},{"word":"client","start":127.48499,"end":127.884995,"confidence":0.99316406,"punctuated_word":"client","sentiment":"neutral","sentiment_score":0.049874380230903625},{"word":"password","start":127.884995,"end":128.385,"confidence":0.98339844,"punctuated_word":"password?","sentiment":"neutral","sentiment_score":0.04385560750961304},{"word":"perfect","start":131.00499,"end":131.485,"confidence":0.9758301,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6906766295433044},{"word":"perfect","start":131.485,"end":131.805,"confidence":0.99902344,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.7734347581863403},{"word":"that's","start":131.805,"end":132.045,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.8142014741897583},{"word":"a","start":132.045,"end":132.125,"confidence":0.984375,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.8501200079917908},{"word":"nice","start":132.125,"end":132.36499,"confidence":1.0,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.8397570848464966},{"word":"and","start":132.36499,"end":132.44499,"confidence":0.62646484,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.8108417987823486},{"word":"easy","start":132.44499,"end":132.765,"confidence":0.9902344,"punctuated_word":"easy","sentiment":"positive","sentiment_score":0.7679505348205566},{"word":"one","start":132.765,"end":133.265,"confidence":0.99902344,"punctuated_word":"one.","sentiment":"positive","sentiment_score":0.6649807691574097},{"word":"now","start":133.965,"end":134.36499,"confidence":0.90234375,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.09855273365974426},{"word":"will","start":134.36499,"end":134.605,"confidence":0.8388672,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.09501467645168304},{"word":"you","start":134.605,"end":134.685,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10624638944864272},{"word":"then","start":134.685,"end":134.925,"confidence":0.5019531,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1294141411781311},{"word":"look","start":134.925,"end":135.08499,"confidence":0.99121094,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.09136897325515748},{"word":"onto","start":135.08499,"end":135.405,"confidence":0.6738281,"punctuated_word":"onto","sentiment":"neutral","sentiment_score":0.09974749386310576},{"word":"this","start":135.405,"end":135.64499,"confidence":0.96435547,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.10010263323783876},{"word":"email","start":135.64499,"end":135.965,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.16611407697200775},{"word":"with","start":135.965,"end":136.205,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06694864481687546},{"word":"me","start":136.205,"end":136.36499,"confidence":0.8117676,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.07785899937152863},{"word":"or","start":136.36499,"end":136.605,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.07314542680978775},{"word":"would","start":136.605,"end":136.845,"confidence":0.9980469,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.08177884668111801},{"word":"you","start":136.845,"end":137.00499,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10425642877817154},{"word":"be","start":137.00499,"end":137.165,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.09146242588758469},{"word":"okay","start":137.165,"end":137.485,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.10184918344020844},{"word":"to","start":137.485,"end":137.64499,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12328513711690904},{"word":"just","start":137.64499,"end":137.885,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12462908029556274},{"word":"review","start":137.885,"end":138.205,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.1021941676735878},{"word":"these","start":138.205,"end":138.44499,"confidence":0.9892578,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.11059092730283736},{"word":"documents","start":138.44499,"end":138.94499,"confidence":1.0,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.11111686378717422},{"word":"afterwards","start":142.23999,"end":142.73999,"confidence":0.8605957,"punctuated_word":"afterwards?","sentiment":"neutral","sentiment_score":0.1720784157514572},{"word":"yep","start":142.8,"end":143.2,"confidence":0.95288086,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15552978217601776},{"word":"perfect","start":143.2,"end":143.7,"confidence":0.9995117,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.31063634157180786},{"word":"so","start":143.76,"end":144.26,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07923993468284607},{"word":"what's","start":144.31999,"end":144.72,"confidence":0.9904785,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.05844508111476898},{"word":"kind","start":144.72,"end":144.95999,"confidence":0.98828125,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.069728322327137},{"word":"of","start":144.95999,"end":145.12,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03416281193494797},{"word":"coming","start":145.12,"end":145.36,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.025713689625263218},{"word":"through","start":145.36,"end":145.59999,"confidence":0.9980469,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.042899373918771744},{"word":"to","start":145.59999,"end":145.68,"confidence":0.984375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06230536103248596},{"word":"you","start":145.68,"end":145.76,"confidence":0.92822266,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09467348456382751},{"word":"is","start":145.76,"end":146.0,"confidence":0.94970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06482511013746262},{"word":"you","start":146.0,"end":146.16,"confidence":0.97998047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04633743688464165},{"word":"had","start":146.16,"end":146.31999,"confidence":0.9902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.039739321917295456},{"word":"a","start":146.31999,"end":146.4,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05138368159532547},{"word":"bit","start":146.4,"end":146.64,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.05627674609422684},{"word":"of","start":146.64,"end":146.72,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.044863246381282806},{"word":"a","start":146.72,"end":146.8,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04610413312911987},{"word":"discussion","start":146.8,"end":147.3,"confidence":1.0,"punctuated_word":"discussion","sentiment":"neutral","sentiment_score":0.08105477690696716},{"word":"last","start":147.36,"end":147.59999,"confidence":0.99902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.02123933658003807},{"word":"year","start":147.59999,"end":147.76,"confidence":0.748291,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.04369208216667175},{"word":"and","start":147.76,"end":147.92,"confidence":0.97509766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04392953962087631},{"word":"there's","start":147.92,"end":148.16,"confidence":0.97094727,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.0444093756377697},{"word":"been","start":148.16,"end":148.48,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.07088986039161682},{"word":"quite","start":148.48,"end":148.8,"confidence":1.0,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.05544901266694069},{"word":"a","start":148.8,"end":148.87999,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04921099543571472},{"word":"few","start":148.87999,"end":149.12,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.045376431196928024},{"word":"changes","start":149.12,"end":149.59999,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.0788344144821167},{"word":"in","start":149.59999,"end":149.68,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0309726782143116},{"word":"the","start":149.68,"end":149.92,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.033812377601861954},{"word":"industry","start":149.92,"end":150.42,"confidence":0.99902344,"punctuated_word":"industry","sentiment":"neutral","sentiment_score":0.028179988265037537},{"word":"as","start":150.56,"end":150.64,"confidence":0.7241211,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.017052173614501953},{"word":"you've","start":150.64,"end":150.87999,"confidence":0.9980469,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.04139947891235352},{"word":"seen","start":150.87999,"end":151.12,"confidence":0.89282227,"punctuated_word":"seen,","sentiment":"neutral","sentiment_score":0.04097672551870346},{"word":"not","start":151.12,"end":151.36,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.03415994346141815},{"word":"just","start":151.36,"end":151.86,"confidence":0.9921875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.009032558649778366},{"word":"but","start":152.705,"end":153.185,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.009124990552663805},{"word":"markets","start":153.185,"end":153.685,"confidence":0.97802734,"punctuated_word":"markets,","sentiment":"neutral","sentiment_score":0.008972130715847015},{"word":"global","start":154.065,"end":154.465,"confidence":0.9941406,"punctuated_word":"global","sentiment":"neutral","sentiment_score":0.00990348681807518},{"word":"events","start":154.465,"end":154.865,"confidence":0.9470215,"punctuated_word":"events,","sentiment":"neutral","sentiment_score":0.01507444493472576},{"word":"and","start":154.865,"end":155.105,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.007473761215806007},{"word":"so","start":155.105,"end":155.185,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.01568012312054634},{"word":"on","start":155.185,"end":155.685,"confidence":0.9946289,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.011764280498027802},{"word":"so","start":155.825,"end":156.325,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03089546225965023},{"word":"i'm","start":156.465,"end":156.705,"confidence":0.9975586,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.030961036682128903},{"word":"wanting","start":156.705,"end":157.105,"confidence":0.99902344,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.03042137250304222},{"word":"to","start":157.105,"end":157.265,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02788332477211952},{"word":"update","start":157.265,"end":157.665,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.05251056328415871},{"word":"a","start":157.665,"end":157.745,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.037341080605983734},{"word":"couple","start":157.745,"end":158.145,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.044024597853422165},{"word":"of","start":158.145,"end":158.225,"confidence":0.9633789,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04765910655260086},{"word":"the","start":158.225,"end":158.385,"confidence":0.9589844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04442904517054558},{"word":"investments","start":158.385,"end":158.885,"confidence":0.96435547,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.030469413846731182},{"word":"inside","start":158.945,"end":159.425,"confidence":0.8154297,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":0.05086389929056168},{"word":"the","start":159.425,"end":159.585,"confidence":0.79052734,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0513550266623497},{"word":"super","start":159.585,"end":160.085,"confidence":0.8310547,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.07351044565439224},{"word":"just","start":160.465,"end":160.705,"confidence":0.9003906,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06969824433326721},{"word":"to","start":160.705,"end":160.785,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04931386560201645},{"word":"do","start":160.785,"end":160.945,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.055431850254535675},{"word":"a","start":160.945,"end":161.025,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05495506152510643},{"word":"bit","start":161.025,"end":161.185,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.06268772482872009},{"word":"of","start":161.185,"end":161.265,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06093084439635277},{"word":"an","start":161.265,"end":161.425,"confidence":0.9980469,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.05253060907125473},{"word":"engine","start":161.425,"end":161.825,"confidence":0.82836914,"punctuated_word":"engine,","sentiment":"neutral","sentiment_score":0.05764355883002281},{"word":"sure","start":161.825,"end":162.065,"confidence":0.9526367,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.06804393231868744},{"word":"enough","start":162.065,"end":162.305,"confidence":0.9770508,"punctuated_word":"enough,","sentiment":"neutral","sentiment_score":0.05900302529335022},{"word":"realistically","start":162.305,"end":162.805,"confidence":1.0,"punctuated_word":"realistically.","sentiment":"neutral","sentiment_score":0.036497265100479126},{"word":"now","start":164.94,"end":165.18,"confidence":0.9970703,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.04326698184013367},{"word":"what","start":165.18,"end":165.58,"confidence":0.98095703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.037237368524074554},{"word":"that","start":165.58,"end":165.73999,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03596067801117897},{"word":"basically","start":165.73999,"end":166.14,"confidence":0.9980469,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.015219807624816896},{"word":"means","start":166.14,"end":166.37999,"confidence":0.99902344,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.009090006351470947},{"word":"is","start":166.37999,"end":166.54,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02774984762072563},{"word":"that","start":166.54,"end":166.86,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.018417276442050937},{"word":"most","start":166.86,"end":167.09999,"confidence":0.96533203,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.04560322314500809},{"word":"of","start":167.09999,"end":167.26,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0421280711889267},{"word":"the","start":167.26,"end":167.42,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.010438919067382812},{"word":"investments","start":167.42,"end":167.9,"confidence":0.89746094,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.009668469429016112},{"word":"in","start":167.9,"end":168.06,"confidence":0.71240234,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.011623501777648926},{"word":"five","start":168.06,"end":168.3,"confidence":0.1427002,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.014011748135089874},{"word":"or","start":168.3,"end":168.37999,"confidence":0.27001953,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.019503191113471985},{"word":"two","start":168.37999,"end":168.54,"confidence":0.75927734,"punctuated_word":"two,","sentiment":"neutral","sentiment_score":-0.005652423948049545},{"word":"but","start":168.54,"end":168.7,"confidence":0.5004883,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.03524287790060043},{"word":"they're","start":168.7,"end":168.86,"confidence":0.99560547,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.10487285256385805},{"word":"looking","start":168.86,"end":169.18,"confidence":0.9980469,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.08427572250366211},{"word":"pretty","start":169.18,"end":169.34,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.1961965262889862},{"word":"good","start":169.34,"end":169.84,"confidence":0.9980469,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.06326577067375183},{"word":"there's","start":169.9,"end":170.3,"confidence":0.99902344,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.09144031256437302},{"word":"one","start":170.3,"end":170.62,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.10094592720270155},{"word":"that's","start":170.62,"end":170.78,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.20352640748023987},{"word":"been","start":170.78,"end":170.94,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.22900420427322388},{"word":"a","start":170.94,"end":171.09999,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2366331517696381},{"word":"bit","start":171.09999,"end":171.26,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.23710951209068296},{"word":"of","start":171.26,"end":171.42,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2538203001022339},{"word":"a","start":171.42,"end":171.58,"confidence":0.9980469,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.33877497911453247},{"word":"drag","start":171.58,"end":171.9,"confidence":1.0,"punctuated_word":"drag","sentiment":"neutral","sentiment_score":-0.29049816727638245},{"word":"on","start":171.9,"end":172.06,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.3116796910762787},{"word":"there","start":172.06,"end":172.37999,"confidence":0.9328613,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.2196537554264069},{"word":"which","start":172.37999,"end":172.62,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.19491085410118103},{"word":"is","start":172.62,"end":173.12,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.225913405418396},{"word":"a","start":173.18,"end":173.58,"confidence":0.96435547,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.21608155965805056},{"word":"ben","start":173.58,"end":173.81999,"confidence":0.39868164,"punctuated_word":"Ben","sentiment":"neutral","sentiment_score":-0.161055326461792},{"word":"along","start":173.81999,"end":174.14,"confidence":0.56103516,"punctuated_word":"along","sentiment":"neutral","sentiment_score":-0.15579737722873688},{"word":"australian","start":174.14,"end":174.64,"confidence":0.97802734,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.20200054347515103},{"word":"shares","start":174.78,"end":175.09999,"confidence":0.9892578,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":-0.2245853841304779},{"word":"option","start":175.09999,"end":175.59999,"confidence":0.9680176,"punctuated_word":"option,","sentiment":"neutral","sentiment_score":-0.2227223515510559},{"word":"which","start":175.9,"end":176.4,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.2438029944896698},{"word":"hasn't","start":176.45999,"end":176.78,"confidence":0.9926758,"punctuated_word":"hasn't","sentiment":"neutral","sentiment_score":-0.20281390845775604},{"word":"kind","start":176.78,"end":177.01999,"confidence":0.99316406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.23747791349887848},{"word":"of","start":177.01999,"end":177.18,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2436344027519226},{"word":"bounced","start":177.18,"end":177.5,"confidence":0.9667969,"punctuated_word":"bounced","sentiment":"neutral","sentiment_score":-0.28036007285118103},{"word":"back","start":177.5,"end":177.73999,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.2941654324531555},{"word":"the","start":177.73999,"end":177.9,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.272269606590271},{"word":"way","start":177.9,"end":178.06,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.2853184938430786},{"word":"we","start":178.06,"end":178.22,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.21296551823616028},{"word":"thought","start":178.22,"end":178.45999,"confidence":0.9892578,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":-0.2204091101884842},{"word":"it","start":178.45999,"end":178.62,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2942615747451782},{"word":"would","start":178.62,"end":179.12,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.2857816517353058},{"word":"after","start":179.41501,"end":179.655,"confidence":0.99902344,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.2219501286745071},{"word":"the","start":179.655,"end":179.895,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.21262939274311063},{"word":"drop","start":179.895,"end":180.13501,"confidence":0.9980469,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":-0.1512332260608673},{"word":"in","start":180.13501,"end":180.375,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2814522981643677},{"word":"march","start":180.375,"end":180.855,"confidence":0.8942871,"punctuated_word":"March.","sentiment":"neutral","sentiment_score":-0.27250397205352783},{"word":"it's","start":180.855,"end":181.175,"confidence":0.99658203,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.3023458421230316},{"word":"kind","start":181.175,"end":181.41501,"confidence":0.99316406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.2375313341617584},{"word":"of","start":181.41501,"end":181.49501,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2432391345500946},{"word":"still","start":181.49501,"end":181.735,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.2733919322490692},{"word":"been","start":181.735,"end":181.975,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.27938932180404663},{"word":"dragging","start":181.975,"end":182.375,"confidence":1.0,"punctuated_word":"dragging","sentiment":"neutral","sentiment_score":-0.29926618933677673},{"word":"its","start":182.375,"end":182.535,"confidence":0.9707031,"punctuated_word":"its","sentiment":"negative","sentiment_score":-0.3663177490234375},{"word":"feet","start":182.535,"end":182.77501,"confidence":0.57666016,"punctuated_word":"feet,","sentiment":"neutral","sentiment_score":-0.2943693697452545},{"word":"if","start":182.77501,"end":182.935,"confidence":0.97509766,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.2392548769712448},{"word":"that","start":182.935,"end":183.095,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1591293066740036},{"word":"makes","start":183.095,"end":183.335,"confidence":0.96435547,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":-0.15639325976371765},{"word":"sense","start":183.335,"end":183.835,"confidence":0.97753906,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":-0.19022341072559357},{"word":"so","start":185.575,"end":185.975,"confidence":0.9838867,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.08408233523368835},{"word":"i've","start":185.975,"end":186.455,"confidence":0.99902344,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.08136630803346634},{"word":"kind","start":186.455,"end":186.615,"confidence":0.96875,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.04729835316538811},{"word":"of","start":186.615,"end":186.77501,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06010317802429199},{"word":"put","start":186.77501,"end":186.935,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.044498901814222336},{"word":"together","start":186.935,"end":187.255,"confidence":1.0,"punctuated_word":"together","sentiment":"neutral","sentiment_score":-0.02678658068180084},{"word":"a","start":187.255,"end":187.335,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.020720047876238823},{"word":"few","start":187.335,"end":187.655,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.00616241991519928},{"word":"updates","start":187.655,"end":188.13501,"confidence":1.0,"punctuated_word":"updates","sentiment":"neutral","sentiment_score":-0.01398194581270218},{"word":"where","start":188.13501,"end":188.375,"confidence":0.9902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.019136041402816772},{"word":"i","start":188.375,"end":188.535,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0054424479603767395},{"word":"wanna","start":188.535,"end":188.855,"confidence":0.6870117,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.013567935675382614},{"word":"just","start":188.855,"end":189.095,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.019858092069625854},{"word":"kind","start":189.095,"end":189.335,"confidence":0.9873047,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.026414550840854645},{"word":"of","start":189.335,"end":189.495,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.015017874538898468},{"word":"replace","start":189.495,"end":189.895,"confidence":0.99609375,"punctuated_word":"replace","sentiment":"neutral","sentiment_score":-0.03694101423025131},{"word":"that","start":189.895,"end":190.05501,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06325236707925797},{"word":"one","start":190.05501,"end":190.295,"confidence":0.9038086,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.070185586810112},{"word":"like","start":190.295,"end":190.535,"confidence":0.9580078,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.029926076531410217},{"word":"for","start":190.535,"end":190.695,"confidence":0.7133789,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.03550354018807411},{"word":"like","start":190.695,"end":191.19,"confidence":0.9892578,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":-0.03002491407096386},{"word":"it'll","start":191.35,"end":191.59,"confidence":0.99560547,"punctuated_word":"It'll","sentiment":"neutral","sentiment_score":0.012624579481780527},{"word":"be","start":191.59,"end":191.91,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.006941318511962891},{"word":"a","start":191.91,"end":192.07,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.001261584460735321},{"word":"little","start":192.07,"end":192.31,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.015077508985996246},{"word":"bit","start":192.31,"end":192.63,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.02516784518957138},{"word":"less","start":192.63,"end":192.87,"confidence":0.9970703,"punctuated_word":"less","sentiment":"neutral","sentiment_score":0.041891761124134064},{"word":"in","start":192.87,"end":193.11,"confidence":0.9863281,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04050055146217346},{"word":"fees","start":193.11,"end":193.61,"confidence":0.91015625,"punctuated_word":"fees,","sentiment":"neutral","sentiment_score":0.05505046620965004},{"word":"much","start":194.07,"end":194.31,"confidence":0.99902344,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.1651683747768402},{"word":"better","start":194.31,"end":194.63,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.1428753137588501},{"word":"performance","start":194.63,"end":195.13,"confidence":0.9946289,"punctuated_word":"performance,","sentiment":"neutral","sentiment_score":0.11191923916339874},{"word":"but","start":195.19,"end":195.43001,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.0011011958122253418},{"word":"it's","start":195.43001,"end":195.59,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.07647716999053955},{"word":"not","start":195.59,"end":195.67,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.11443638056516647},{"word":"gonna","start":195.67,"end":196.07,"confidence":0.94628906,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.12624356150627136},{"word":"fundamentally","start":196.07,"end":196.57,"confidence":1.0,"punctuated_word":"fundamentally","sentiment":"neutral","sentiment_score":-0.1629258692264557},{"word":"change","start":196.87,"end":197.37,"confidence":0.99902344,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.1958349645137787},{"word":"how","start":197.99,"end":198.23,"confidence":0.99609375,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.1334894895553589},{"word":"we're","start":198.23,"end":198.47,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.04162432253360748},{"word":"investing","start":198.47,"end":198.95,"confidence":0.7832031,"punctuated_word":"investing.","sentiment":"neutral","sentiment_score":-0.03816331550478935},{"word":"it's","start":198.95,"end":199.11,"confidence":0.9797363,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.003185279667377472},{"word":"just","start":199.11,"end":199.51001,"confidence":0.86694336,"punctuated_word":"just,","sentiment":"neutral","sentiment_score":-0.02231280505657196},{"word":"again","start":199.51001,"end":199.83,"confidence":0.9946289,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.026797352358698845},{"word":"a","start":199.83,"end":199.99,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05617433041334152},{"word":"bit","start":199.99,"end":200.15001,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.06860557943582535},{"word":"of","start":200.15001,"end":200.31,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07483254373073578},{"word":"a","start":200.31,"end":200.39,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07657846063375473},{"word":"tune","start":200.39,"end":200.71,"confidence":0.9873047,"punctuated_word":"tune","sentiment":"neutral","sentiment_score":-0.04756200313568115},{"word":"up","start":200.71,"end":200.87,"confidence":0.9633789,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.040603362023830414},{"word":"on","start":200.87,"end":200.95,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.03535240516066551},{"word":"the","start":200.95,"end":201.11,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03665920719504357},{"word":"engine","start":201.11,"end":201.61,"confidence":0.9604492,"punctuated_word":"engine.","sentiment":"neutral","sentiment_score":-0.0076745375990867615},{"word":"now","start":203.645,"end":204.045,"confidence":0.9980469,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.1205962300300598},{"word":"outside","start":204.045,"end":204.44499,"confidence":0.98828125,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.17227858304977417},{"word":"of","start":204.44499,"end":204.685,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13067150115966797},{"word":"that","start":204.685,"end":205.185,"confidence":0.9975586,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.1174372136592865},{"word":"you","start":205.325,"end":205.485,"confidence":0.8100586,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13177740573883057},{"word":"did","start":205.485,"end":205.72499,"confidence":0.99902344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.16005955636501312},{"word":"have","start":205.72499,"end":205.885,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.14009632170200348},{"word":"a","start":205.885,"end":206.045,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15732276439666748},{"word":"discussion","start":206.045,"end":206.525,"confidence":1.0,"punctuated_word":"discussion","sentiment":"neutral","sentiment_score":0.13087989389896393},{"word":"with","start":206.525,"end":206.685,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.18907862901687625},{"word":"one","start":206.685,"end":206.845,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.14333823323249817},{"word":"of","start":206.845,"end":206.925,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11121498048305511},{"word":"my","start":206.925,"end":207.165,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.12200035154819489},{"word":"colleagues","start":207.165,"end":207.665,"confidence":0.9980469,"punctuated_word":"colleagues","sentiment":"neutral","sentiment_score":0.09400413185358047},{"word":"about","start":207.72499,"end":208.045,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.196960911154747},{"word":"potentially","start":208.045,"end":208.545,"confidence":0.99902344,"punctuated_word":"potentially","sentiment":"neutral","sentiment_score":0.2234129458665848},{"word":"reducing","start":208.765,"end":209.265,"confidence":0.7758789,"punctuated_word":"reducing","sentiment":"neutral","sentiment_score":0.17072956264019012},{"word":"the","start":210.045,"end":210.545,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1674140989780426},{"word":"suncorp","start":210.605,"end":211.105,"confidence":0.9737956,"punctuated_word":"Suncorp","sentiment":"neutral","sentiment_score":0.0930047482252121},{"word":"life","start":211.165,"end":211.485,"confidence":0.6118164,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.17883163690567017},{"word":"insurance","start":211.485,"end":211.885,"confidence":0.99902344,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.11583397537469864},{"word":"to","start":211.885,"end":212.045,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18836671113967896},{"word":"get","start":212.045,"end":212.205,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.24991314113140103},{"word":"the","start":212.205,"end":212.36499,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2664029002189636},{"word":"fees","start":212.36499,"end":212.605,"confidence":0.9716797,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.240567684173584},{"word":"down","start":212.605,"end":212.845,"confidence":0.9970703,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.2359963357448578},{"word":"a","start":212.845,"end":213.00499,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.29606279730796814},{"word":"little","start":213.00499,"end":213.165,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.16630783677101135},{"word":"bit","start":213.165,"end":213.325,"confidence":0.99853516,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.14482493698596954},{"word":"does","start":213.325,"end":213.485,"confidence":0.97265625,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.04455382749438286},{"word":"that","start":213.485,"end":213.64499,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07639183104038239},{"word":"ring","start":213.64499,"end":213.885,"confidence":0.99609375,"punctuated_word":"ring","sentiment":"neutral","sentiment_score":0.03816927969455719},{"word":"a","start":213.885,"end":213.965,"confidence":0.9838867,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03674780577421189},{"word":"bell","start":213.965,"end":214.465,"confidence":0.9995117,"punctuated_word":"bell?","sentiment":"neutral","sentiment_score":0.06404861062765121},{"word":"it","start":255.375,"end":255.535,"confidence":0.5214844,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.10745351761579514},{"word":"does","start":255.535,"end":255.77501,"confidence":0.9875488,"punctuated_word":"does.","sentiment":"neutral","sentiment_score":0.16157594323158264},{"word":"it","start":255.77501,"end":256.015,"confidence":0.9980469,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.24074037373065948},{"word":"does","start":256.015,"end":256.255,"confidence":0.98535156,"punctuated_word":"does.","sentiment":"neutral","sentiment_score":0.1511705219745636},{"word":"and","start":256.255,"end":256.495,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1090831309556961},{"word":"i","start":256.495,"end":256.575,"confidence":0.99121094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08209894597530365},{"word":"think","start":256.575,"end":257.075,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.1118205338716507},{"word":"based","start":257.135,"end":257.375,"confidence":0.9199219,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.1888038665056229},{"word":"on","start":257.375,"end":257.535,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.19770902395248413},{"word":"that","start":257.535,"end":257.775,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1719421148300171},{"word":"conversation","start":257.775,"end":258.275,"confidence":0.9909668,"punctuated_word":"conversation,","sentiment":"neutral","sentiment_score":0.15621677041053772},{"word":"there","start":258.335,"end":258.495,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1953386664390564},{"word":"was","start":258.495,"end":258.655,"confidence":0.9970703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.1848802864551544},{"word":"a","start":258.655,"end":258.815,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21358758211135864},{"word":"few","start":258.815,"end":259.055,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.1872270703315735},{"word":"priorities","start":259.055,"end":259.535,"confidence":0.8088379,"punctuated_word":"priorities,","sentiment":"neutral","sentiment_score":0.20555582642555237},{"word":"and","start":259.535,"end":259.695,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.31739920377731323},{"word":"i","start":259.695,"end":259.855,"confidence":0.99902344,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.47794002294540405},{"word":"really","start":259.855,"end":260.175,"confidence":0.57910156,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5391178131103516},{"word":"like","start":260.175,"end":260.495,"confidence":0.82910156,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.4966629445552826},{"word":"how","start":260.495,"end":260.655,"confidence":0.99902344,"punctuated_word":"how","sentiment":"positive","sentiment_score":0.5132638216018677},{"word":"you","start":260.655,"end":261.155,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5016131401062012},{"word":"how","start":261.45502,"end":261.695,"confidence":0.96875,"punctuated_word":"how","sentiment":"positive","sentiment_score":0.5022252798080444},{"word":"you","start":261.695,"end":261.935,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.490983784198761},{"word":"worded","start":261.935,"end":262.335,"confidence":0.9831543,"punctuated_word":"worded","sentiment":"positive","sentiment_score":0.4561130404472351},{"word":"it","start":262.335,"end":262.73502,"confidence":0.9484863,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.3055834174156189},{"word":"and","start":262.73502,"end":262.975,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1517060101032257},{"word":"it's","start":262.975,"end":263.215,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.15261009335517883},{"word":"like","start":263.215,"end":263.715,"confidence":0.68652344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.17418010532855988},{"word":"a","start":263.775,"end":264.015,"confidence":0.8911133,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2329493761062622},{"word":"bit","start":264.015,"end":264.095,"confidence":0.9921875,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.17268913984298706},{"word":"of","start":264.095,"end":264.255,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19695205986499784},{"word":"a","start":264.255,"end":264.335,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18589437007904053},{"word":"priority","start":264.335,"end":264.73502,"confidence":1.0,"punctuated_word":"priority","sentiment":"neutral","sentiment_score":0.12291145324707033},{"word":"to","start":264.73502,"end":264.815,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16431045532226562},{"word":"pay","start":264.815,"end":264.975,"confidence":0.6113281,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.09855300933122636},{"word":"off","start":264.975,"end":265.135,"confidence":0.9707031,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.037668779492378235},{"word":"the","start":265.135,"end":265.295,"confidence":0.9633789,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08099601417779922},{"word":"mortgage","start":265.295,"end":265.615,"confidence":0.96069336,"punctuated_word":"mortgage,","sentiment":"neutral","sentiment_score":0.0980834886431694},{"word":"of","start":265.615,"end":265.775,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15248024463653564},{"word":"course","start":265.775,"end":266.275,"confidence":0.86279297,"punctuated_word":"course,","sentiment":"neutral","sentiment_score":0.12185433506965636},{"word":"but","start":266.47998,"end":266.63998,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.14085447788238523},{"word":"also","start":266.63998,"end":266.88,"confidence":0.93359375,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.07288138568401337},{"word":"even","start":266.88,"end":267.28,"confidence":0.97509766,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.07053866982460022},{"word":"just","start":267.28,"end":267.52,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06642794609069824},{"word":"having","start":267.52,"end":267.84,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.0643010288476944},{"word":"that","start":267.84,"end":268.08,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09720999747514723},{"word":"sort","start":268.08,"end":268.32,"confidence":0.9902344,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.059081971645355225},{"word":"of","start":268.32,"end":268.4,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0704210102558136},{"word":"five","start":268.4,"end":268.72,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.06756746768951416},{"word":"years","start":268.72,"end":269.04,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.07697421312332153},{"word":"of","start":269.04,"end":269.28,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07166888564825058},{"word":"income","start":269.28,"end":269.75998,"confidence":0.99902344,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.09201547503471376},{"word":"replacement","start":269.75998,"end":270.25998,"confidence":0.98828125,"punctuated_word":"replacement","sentiment":"neutral","sentiment_score":0.07958348840475082},{"word":"for","start":270.72,"end":270.96,"confidence":0.89990234,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.059051208198070526},{"word":"some","start":270.96,"end":271.19998,"confidence":0.97998047,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.036677226424217224},{"word":"grazing","start":271.19998,"end":271.52,"confidence":0.70703125,"punctuated_word":"grazing","sentiment":"neutral","sentiment_score":0.10955481231212616},{"word":"time","start":271.52,"end":271.84,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.13814254105091095},{"word":"until","start":271.84,"end":272.24,"confidence":0.99609375,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.07658333331346512},{"word":"the","start":272.24,"end":272.4,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06411860138177872},{"word":"kids","start":272.4,"end":272.63998,"confidence":1.0,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":0.0932445377111435},{"word":"are","start":272.63998,"end":272.88,"confidence":0.99609375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.07377207279205322},{"word":"18","start":272.88,"end":273.38,"confidence":0.89990234,"punctuated_word":"18.","sentiment":"neutral","sentiment_score":0.1126863956451416},{"word":"does","start":273.52,"end":273.68,"confidence":0.98535156,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.05187460035085678},{"word":"that","start":273.68,"end":273.91998,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.032633621245622635},{"word":"sort","start":273.91998,"end":274.08,"confidence":0.9970703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.0029166117310523987},{"word":"of","start":274.08,"end":274.16,"confidence":0.94384766,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.01694381982088089},{"word":"ring","start":274.16,"end":274.32,"confidence":0.99902344,"punctuated_word":"ring","sentiment":"neutral","sentiment_score":-0.01315804198384285},{"word":"a","start":274.32,"end":274.47998,"confidence":0.9453125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.016362307593226433},{"word":"bell","start":274.47998,"end":274.97998,"confidence":1.0,"punctuated_word":"bell?","sentiment":"neutral","sentiment_score":0.00526297464966774},{"word":"yeah","start":276.4,"end":276.8,"confidence":0.9123535,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08169770240783691},{"word":"so","start":276.8,"end":277.12,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0749019980430603},{"word":"one","start":277.12,"end":277.28,"confidence":0.99609375,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.06911636888980865},{"word":"of","start":277.28,"end":277.36,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07087251543998718},{"word":"the","start":277.36,"end":277.44,"confidence":0.9770508,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08994181454181671},{"word":"things","start":277.44,"end":277.68,"confidence":0.9980469,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.08752045035362244},{"word":"that","start":277.68,"end":277.75998,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1169908493757248},{"word":"you","start":277.75998,"end":277.91998,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09940031170845032},{"word":"could","start":277.91998,"end":278.08,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.09893154352903366},{"word":"do","start":278.08,"end":278.24,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06495019793510437},{"word":"is","start":278.24,"end":278.47998,"confidence":0.97802734,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07716037333011627},{"word":"because","start":278.47998,"end":278.72,"confidence":0.7089844,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.04877740889787674},{"word":"there's","start":278.72,"end":278.96,"confidence":0.8754883,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.01764657348394394},{"word":"$2,000,000","start":278.96,"end":279.91998,"confidence":0.9970703,"punctuated_word":"$2,000,000","sentiment":"neutral","sentiment_score":0.04029789939522743},{"word":"in","start":279.91998,"end":280.08,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0031518712639808655},{"word":"life","start":280.08,"end":280.32,"confidence":0.9951172,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.017909996211528778},{"word":"insurance","start":280.32,"end":280.8,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.0015357136726379397},{"word":"with","start":280.8,"end":280.96,"confidence":0.88427734,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.009373798966407776},{"word":"suncorp","start":280.96,"end":281.46,"confidence":0.85026044,"punctuated_word":"Suncorp","sentiment":"neutral","sentiment_score":0.028760312125086784},{"word":"and","start":281.85498,"end":282.01498,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.043853700160980225},{"word":"another","start":282.01498,"end":282.415,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.0095541849732399},{"word":"430,000","start":282.415,"end":284.115,"confidence":0.990332,"punctuated_word":"430,000","sentiment":"neutral","sentiment_score":0.03027624636888504},{"word":"with","start":284.495,"end":284.815,"confidence":0.9921875,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04691493511199951},{"word":"qsuper","start":284.815,"end":285.315,"confidence":0.72054034,"punctuated_word":"QSuper,","sentiment":"neutral","sentiment_score":0.0794491395354271},{"word":"we","start":286.495,"end":286.735,"confidence":0.796875,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.024885699152946472},{"word":"calculated","start":286.735,"end":287.235,"confidence":0.9892578,"punctuated_word":"calculated","sentiment":"neutral","sentiment_score":-0.002270050346851349},{"word":"that","start":287.375,"end":287.535,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.004686586558818817},{"word":"you","start":287.535,"end":287.775,"confidence":0.9819336,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.010507836937904358},{"word":"only","start":287.775,"end":288.095,"confidence":0.82177734,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.004848279058933258},{"word":"really","start":288.095,"end":288.495,"confidence":0.9970703,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.04315033555030823},{"word":"needed","start":288.495,"end":288.995,"confidence":0.9980469,"punctuated_word":"needed","sentiment":"neutral","sentiment_score":-0.04255613684654236},{"word":"around","start":289.615,"end":289.935,"confidence":0.94921875,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.01265331357717514},{"word":"about","start":289.935,"end":290.435,"confidence":0.98828125,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.02575833350419998},{"word":"1.2","start":292.57498,"end":293.615,"confidence":0.9892578,"punctuated_word":"1.2,","sentiment":"neutral","sentiment_score":-0.01903056725859642},{"word":"1.4","start":293.615,"end":294.57498,"confidence":1.0,"punctuated_word":"1.4","sentiment":"neutral","sentiment_score":-0.0267399437725544},{"word":"all","start":294.57498,"end":294.895,"confidence":0.93847656,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.0424337312579155},{"word":"up","start":294.895,"end":295.395,"confidence":0.7866211,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":-0.030544746667146683},{"word":"and","start":295.63,"end":296.13,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02917749434709549},{"word":"you're","start":296.67,"end":296.99,"confidence":0.85913086,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.3055208623409271},{"word":"kind","start":296.99,"end":297.15,"confidence":0.98828125,"punctuated_word":"kind","sentiment":"negative","sentiment_score":-0.33733779191970825},{"word":"of","start":297.15,"end":297.31,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.3192550539970398},{"word":"quite","start":297.31,"end":297.71,"confidence":0.99902344,"punctuated_word":"quite","sentiment":"negative","sentiment_score":-0.40419164299964905},{"word":"over","start":297.71,"end":297.95,"confidence":0.99609375,"punctuated_word":"over","sentiment":"negative","sentiment_score":-0.34897786378860474},{"word":"insured","start":297.95,"end":298.45,"confidence":0.9116211,"punctuated_word":"insured","sentiment":"neutral","sentiment_score":-0.3233032524585724},{"word":"just","start":298.75,"end":298.99,"confidence":0.97802734,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.31926560401916504},{"word":"based","start":298.99,"end":299.23,"confidence":1.0,"punctuated_word":"based","sentiment":"neutral","sentiment_score":-0.21455538272857663},{"word":"on","start":299.23,"end":299.39,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.21684616804122925},{"word":"that","start":299.39,"end":299.71,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.19547951221466064},{"word":"calculation","start":299.71,"end":300.21,"confidence":0.9995117,"punctuated_word":"calculation.","sentiment":"neutral","sentiment_score":-0.1283249855041504},{"word":"so","start":302.43,"end":302.91,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07820432633161545},{"word":"one","start":302.91,"end":303.07,"confidence":0.9980469,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.0848609209060669},{"word":"of","start":303.07,"end":303.23,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06571086496114731},{"word":"the","start":303.23,"end":303.31,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08521368354558945},{"word":"things","start":303.31,"end":303.47,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.11294741928577424},{"word":"that","start":303.47,"end":303.71,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10580278187990189},{"word":"we","start":303.71,"end":303.87,"confidence":0.87060547,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11980611085891724},{"word":"did","start":303.87,"end":304.11,"confidence":0.99902344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.14416006207466123},{"word":"do","start":304.11,"end":304.43,"confidence":0.99121094,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.13250888884067535},{"word":"a","start":304.43,"end":304.51,"confidence":0.88427734,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1335398107767105},{"word":"bit","start":304.51,"end":304.75,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.12522581219673157},{"word":"of","start":304.75,"end":304.83,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.177863210439682},{"word":"a","start":304.83,"end":304.99,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1064389795064926},{"word":"reduction","start":304.99,"end":305.49,"confidence":1.0,"punctuated_word":"reduction","sentiment":"neutral","sentiment_score":0.022288762032985687},{"word":"quote","start":305.71,"end":306.03,"confidence":0.99316406,"punctuated_word":"quote","sentiment":"neutral","sentiment_score":0.039369478821754456},{"word":"with","start":306.03,"end":306.19,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.10752955079078674},{"word":"them","start":306.19,"end":306.69,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.05427637696266174},{"word":"just","start":306.75,"end":306.99,"confidence":0.8745117,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11084842681884766},{"word":"to","start":306.99,"end":307.07,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11001613736152648},{"word":"get","start":307.07,"end":307.31,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.11084524542093276},{"word":"some","start":307.31,"end":307.55,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.09057053923606873},{"word":"updated","start":307.55,"end":308.03,"confidence":0.9970703,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.08446288108825684},{"word":"figures","start":308.03,"end":308.53,"confidence":0.8881836,"punctuated_word":"figures,","sentiment":"neutral","sentiment_score":0.10705704987049104},{"word":"and","start":309.10498,"end":309.505,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.15390077233314514},{"word":"you","start":309.505,"end":309.745,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13449175655841827},{"word":"could","start":309.745,"end":310.065,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.15171566605567932},{"word":"drop","start":310.065,"end":310.305,"confidence":1.0,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":0.0828530564904213},{"word":"it","start":310.305,"end":310.465,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.052904196083545685},{"word":"from","start":310.465,"end":310.705,"confidence":0.91259766,"punctuated_word":"from,","sentiment":"neutral","sentiment_score":0.04063667729496956},{"word":"say","start":310.705,"end":310.94498,"confidence":0.9941406,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.05573716387152672},{"word":"2,000,000","start":310.94498,"end":311.585,"confidence":0.99560547,"punctuated_word":"2,000,000","sentiment":"neutral","sentiment_score":0.06771276891231537},{"word":"to","start":311.585,"end":311.82498,"confidence":0.9082031,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.05700218677520752},{"word":"say","start":311.82498,"end":312.32498,"confidence":0.9970703,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.05917888134717941},{"word":"850,000","start":312.465,"end":314.005,"confidence":0.9681152,"punctuated_word":"850,000,","sentiment":"neutral","sentiment_score":0.07598181068897247},{"word":"and","start":314.22498,"end":314.38498,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10969306528568268},{"word":"that'd","start":314.38498,"end":314.705,"confidence":0.66638184,"punctuated_word":"that'd","sentiment":"neutral","sentiment_score":0.11023540794849396},{"word":"kind","start":314.705,"end":314.94498,"confidence":0.9716797,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.06287436932325363},{"word":"of","start":314.94498,"end":315.185,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13971392810344696},{"word":"half","start":315.185,"end":315.505,"confidence":0.90283203,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.1509055197238922},{"word":"the","start":315.505,"end":315.745,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08404326438903809},{"word":"premiums","start":315.745,"end":316.245,"confidence":0.9951172,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":0.08847188949584961},{"word":"from","start":316.38498,"end":316.88498,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.05139757692813873},{"word":"about","start":317.185,"end":317.505,"confidence":0.734375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.01248876005411148},{"word":"1,200","start":317.505,"end":318.145,"confidence":0.99853516,"punctuated_word":"1,200","sentiment":"neutral","sentiment_score":0.022778751328587532},{"word":"to","start":318.145,"end":318.38498,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.002739083021879196},{"word":"$6.50","start":318.38498,"end":319.205,"confidence":0.881958,"punctuated_word":"$6.50,"},{"word":"around","start":319.66498,"end":319.985,"confidence":0.97265625,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.025586353614926335},{"word":"about","start":319.985,"end":320.485,"confidence":0.9482422,"punctuated_word":"about.","sentiment":"neutral","sentiment_score":0.031478624790906906},{"word":"but","start":321.04,"end":321.28,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.07111477851867676},{"word":"i","start":321.28,"end":321.36002,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14493700861930847},{"word":"do","start":321.36002,"end":321.6,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1766892373561859},{"word":"wanna","start":321.6,"end":321.92,"confidence":0.80322266,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.17937085032463074},{"word":"be","start":321.92,"end":322.08002,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1356320679187775},{"word":"guided","start":322.08002,"end":322.48,"confidence":1.0,"punctuated_word":"guided","sentiment":"neutral","sentiment_score":0.2093203216791153},{"word":"by","start":322.48,"end":322.72,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.23847562074661255},{"word":"you","start":322.72,"end":322.88,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.26569828391075134},{"word":"in","start":322.88,"end":323.12,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2105865776538849},{"word":"in","start":323.12,"end":323.36002,"confidence":0.92822266,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1523386538028717},{"word":"that","start":323.36002,"end":323.76,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15424013137817383},{"word":"that's","start":324.0,"end":324.24,"confidence":0.9890137,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.16218452155590057},{"word":"our","start":324.24,"end":324.56,"confidence":0.97314453,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.1797161102294922},{"word":"calculation","start":324.56,"end":325.06,"confidence":1.0,"punctuated_word":"calculation","sentiment":"neutral","sentiment_score":0.18537402153015137},{"word":"on","start":325.76,"end":325.84,"confidence":0.9863281,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1801313757896423},{"word":"what","start":325.84,"end":326.08002,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.19961519539356232},{"word":"your","start":326.08002,"end":326.24,"confidence":0.98828125,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2163691222667694},{"word":"needs","start":326.24,"end":326.64,"confidence":1.0,"punctuated_word":"needs","sentiment":"neutral","sentiment_score":0.18218478560447693},{"word":"are","start":326.64,"end":327.04,"confidence":0.8491211,"punctuated_word":"are,","sentiment":"neutral","sentiment_score":0.16593265533447266},{"word":"but","start":327.04,"end":327.28,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.18259982764720917},{"word":"it","start":327.28,"end":327.36002,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14899581670761108},{"word":"is","start":327.36002,"end":327.6,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12707580626010895},{"word":"about","start":327.6,"end":328.08002,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.14521819353103638},{"word":"how","start":328.08002,"end":328.24,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.12156736850738524},{"word":"much","start":328.24,"end":328.56,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.13080008327960968},{"word":"you","start":328.56,"end":328.80002,"confidence":0.9667969,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17479625344276428},{"word":"feel","start":328.80002,"end":329.04,"confidence":1.0,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.12135755270719528},{"word":"that","start":329.04,"end":329.28,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1610572338104248},{"word":"you","start":329.28,"end":329.36002,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18918149173259735},{"word":"guys","start":329.36002,"end":329.68,"confidence":0.99902344,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.19026067852973935},{"word":"need","start":329.68,"end":330.0,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.2063888907432556},{"word":"as","start":330.0,"end":330.16,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2228498011827469},{"word":"well","start":330.16,"end":330.66,"confidence":0.99902344,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.19848006963729856},{"word":"yeah","start":342.92502,"end":343.42502,"confidence":0.9909668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2595183253288269},{"word":"yeah","start":352.21,"end":352.71,"confidence":0.87231445,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.29097458720207214},{"word":"so","start":353.01,"end":353.41,"confidence":0.96240234,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2838146388530731},{"word":"what","start":353.41,"end":353.57,"confidence":0.9921875,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.3436362147331238},{"word":"i'm","start":353.57,"end":353.89,"confidence":0.94750977,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.3491188883781433},{"word":"including","start":353.89,"end":354.29,"confidence":0.9970703,"punctuated_word":"including","sentiment":"positive","sentiment_score":0.40306782722473145},{"word":"in","start":354.29,"end":354.45,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2903604507446289},{"word":"these","start":354.45,"end":354.77,"confidence":0.9873047,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.29055094718933105},{"word":"documents","start":354.77,"end":355.17,"confidence":0.98535156,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.30087965726852417},{"word":"is","start":355.17,"end":355.33,"confidence":0.73876953,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.23021525144577024},{"word":"i","start":355.33,"end":355.49,"confidence":0.93408203,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.35550975799560547},{"word":"do","start":355.49,"end":355.65,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.322256863117218},{"word":"have","start":355.65,"end":355.81,"confidence":0.99902344,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3828900158405304},{"word":"a","start":355.81,"end":355.97,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3587132394313812},{"word":"reduction","start":355.97,"end":356.47,"confidence":0.9970703,"punctuated_word":"reduction","sentiment":"neutral","sentiment_score":0.2478705048561096},{"word":"quote","start":356.61,"end":357.11,"confidence":0.8354492,"punctuated_word":"quote,","sentiment":"neutral","sentiment_score":0.27507030963897705},{"word":"and","start":357.25,"end":357.75,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.37249132990837097},{"word":"we","start":358.53,"end":358.69,"confidence":0.99902344,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4473491907119751},{"word":"can","start":358.69,"end":358.93,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4734654426574707},{"word":"kind","start":358.93,"end":359.17,"confidence":0.9560547,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.48468828201293945},{"word":"of","start":359.17,"end":359.25,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5376093983650208},{"word":"help","start":359.25,"end":359.57,"confidence":0.9980469,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.5302844643592834},{"word":"action","start":359.57,"end":359.89,"confidence":0.97509766,"punctuated_word":"action","sentiment":"positive","sentiment_score":0.5944026708602905},{"word":"that","start":359.89,"end":360.05,"confidence":0.97314453,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4784071445465088},{"word":"a","start":360.05,"end":360.13,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.44306620955467224},{"word":"little","start":360.13,"end":360.37,"confidence":1.0,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.34523722529411316},{"word":"bit","start":360.37,"end":360.53,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.4333578944206238},{"word":"as","start":360.53,"end":360.69,"confidence":0.9980469,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3797321915626526},{"word":"well","start":360.69,"end":360.93,"confidence":1.0,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.38413867354393005},{"word":"just","start":360.93,"end":361.09,"confidence":0.8720703,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.42939138412475586},{"word":"to","start":361.09,"end":361.25,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3359606862068176},{"word":"speed","start":361.25,"end":361.49,"confidence":0.99316406,"punctuated_word":"speed","sentiment":"positive","sentiment_score":0.4460943937301636},{"word":"up","start":361.49,"end":361.65,"confidence":0.9970703,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.487855464220047},{"word":"the","start":361.65,"end":361.73,"confidence":0.8745117,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5205973982810974},{"word":"process","start":361.73,"end":362.23,"confidence":0.99560547,"punctuated_word":"process.","sentiment":"positive","sentiment_score":0.4229172170162201},{"word":"cool","start":364.39502,"end":364.795,"confidence":0.7368164,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.6624833345413208},{"word":"so","start":364.795,"end":365.295,"confidence":0.97265625,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.37699446082115173},{"word":"the","start":365.435,"end":365.595,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.33018434047698975},{"word":"only","start":365.595,"end":365.835,"confidence":0.99609375,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.17119213938713074},{"word":"other","start":365.835,"end":365.995,"confidence":0.9980469,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.14827871322631836},{"word":"thing","start":365.995,"end":366.23502,"confidence":0.98535156,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.14849890768527985},{"word":"to","start":366.23502,"end":366.475,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1021665260195732},{"word":"cover","start":366.475,"end":366.715,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.05314285308122635},{"word":"off","start":366.715,"end":367.035,"confidence":0.98535156,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.06737068295478821},{"word":"on","start":367.035,"end":367.275,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07700620591640472},{"word":"is","start":367.275,"end":367.515,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0486283078789711},{"word":"just","start":367.515,"end":367.755,"confidence":0.83740234,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12320742011070251},{"word":"with","start":367.755,"end":367.995,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14731451869010925},{"word":"the","start":367.995,"end":368.075,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17163033783435822},{"word":"q","start":368.075,"end":368.315,"confidence":0.71875,"punctuated_word":"q","sentiment":"neutral","sentiment_score":0.2128450721502304},{"word":"super","start":368.315,"end":368.815,"confidence":0.72216797,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.21692153811454773},{"word":"that's","start":369.035,"end":369.435,"confidence":0.9975586,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.2398804873228073},{"word":"grown","start":369.435,"end":369.935,"confidence":0.9838867,"punctuated_word":"grown","sentiment":"neutral","sentiment_score":0.32411321997642517},{"word":"quite","start":370.155,"end":370.39502,"confidence":1.0,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.25384747982025146},{"word":"a","start":370.39502,"end":370.475,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3005736470222473},{"word":"bit","start":370.475,"end":370.715,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.27299216389656067},{"word":"now","start":370.715,"end":370.95502,"confidence":1.0,"punctuated_word":"now","sentiment":"positive","sentiment_score":0.38809600472450256},{"word":"with","start":370.95502,"end":371.115,"confidence":0.99902344,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4393251538276672},{"word":"the","start":371.115,"end":371.275,"confidence":0.99316406,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.33457955718040466},{"word":"contribution","start":371.275,"end":371.775,"confidence":0.8269043,"punctuated_word":"contribution.","sentiment":"neutral","sentiment_score":0.24422316253185272},{"word":"so","start":372.155,"end":372.555,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09407760202884674},{"word":"if","start":372.555,"end":372.715,"confidence":0.9941406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.05364283919334411},{"word":"you","start":372.715,"end":373.035,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.046993438154459},{"word":"ring","start":373.035,"end":373.195,"confidence":0.6850586,"punctuated_word":"ring","sentiment":"neutral","sentiment_score":0.03343745321035385},{"word":"remember","start":373.435,"end":373.835,"confidence":0.95947266,"punctuated_word":"remember,","sentiment":"neutral","sentiment_score":0.02669510617852211},{"word":"we","start":373.835,"end":373.995,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04876525700092316},{"word":"usually","start":373.995,"end":374.315,"confidence":0.99902344,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":0.08050860464572906},{"word":"do","start":374.315,"end":374.475,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07326686382293701},{"word":"a","start":374.475,"end":374.555,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07606006413698196},{"word":"bit","start":374.555,"end":374.715,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.07240010797977448},{"word":"of","start":374.715,"end":374.875,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07379144430160522},{"word":"a","start":374.875,"end":374.95502,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1023518517613411},{"word":"top","start":374.95502,"end":375.195,"confidence":1.0,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.14719516038894653},{"word":"up","start":375.195,"end":375.355,"confidence":0.984375,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.16576501727104187},{"word":"rollover","start":375.355,"end":375.855,"confidence":0.9230957,"punctuated_word":"rollover","sentiment":"neutral","sentiment_score":0.11905235052108765},{"word":"across","start":375.915,"end":376.415,"confidence":0.99902344,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.0882624089717865},{"word":"just","start":376.9,"end":377.13998,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06643164157867432},{"word":"to","start":377.13998,"end":377.22,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11872151494026184},{"word":"get","start":377.22,"end":377.69998,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.12780213356018066},{"word":"the","start":377.69998,"end":377.86,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1092376634478569},{"word":"money","start":377.86,"end":378.09998,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.13712404668331146},{"word":"into","start":378.09998,"end":378.41998,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.13835343718528748},{"word":"the","start":378.41998,"end":378.5,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13439786434173584},{"word":"main","start":378.5,"end":378.81998,"confidence":1.0,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.12579378485679626},{"word":"portfolio","start":378.81998,"end":379.31998,"confidence":0.99365234,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.06839366257190704},{"word":"i","start":381.3,"end":381.53998,"confidence":0.890625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03892122954130173},{"word":"definitely","start":381.53998,"end":381.86,"confidence":0.99902344,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":-0.050716742873191833},{"word":"don't","start":381.86,"end":382.09998,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.05669889971613884},{"word":"wanna","start":382.09998,"end":382.59998,"confidence":0.77441406,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.08713670074939728},{"word":"replace","start":382.66,"end":383.16,"confidence":0.99902344,"punctuated_word":"replace","sentiment":"neutral","sentiment_score":-0.22542093694210052},{"word":"it","start":383.22,"end":383.46,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.09197136759757996},{"word":"right","start":383.46,"end":383.62,"confidence":1.0,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.11509407311677931},{"word":"now","start":383.62,"end":383.94,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.053194306790828705},{"word":"because","start":383.94,"end":384.44,"confidence":0.9199219,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.06270837783813477},{"word":"it","start":385.3,"end":385.46,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0002597495913505554},{"word":"is","start":385.46,"end":385.96,"confidence":0.9941406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.005625486373901367},{"word":"does","start":386.41998,"end":386.58,"confidence":0.8798828,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.025540411472320557},{"word":"have","start":386.58,"end":386.81998,"confidence":0.96875,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.016432464122772217},{"word":"the","start":386.81998,"end":387.13998,"confidence":0.8076172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0062250494956970215},{"word":"the","start":387.13998,"end":387.3,"confidence":0.91748047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0194559246301651},{"word":"tpd","start":387.3,"end":387.8,"confidence":0.93725586,"punctuated_word":"TPD","sentiment":"neutral","sentiment_score":-0.03248313069343567},{"word":"cover","start":387.86,"end":388.09998,"confidence":0.9970703,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.01975391060113907},{"word":"as","start":388.09998,"end":388.25998,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.004209116101264954},{"word":"well","start":388.25998,"end":388.5,"confidence":0.98657227,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.002021355554461479},{"word":"the","start":388.5,"end":388.66,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03754465654492378},{"word":"disability","start":388.66,"end":389.16,"confidence":1.0,"punctuated_word":"disability","sentiment":"neutral","sentiment_score":-0.035633232444524765},{"word":"cover","start":389.3,"end":389.8,"confidence":0.84375,"punctuated_word":"cover.","sentiment":"neutral","sentiment_score":-0.009057674556970596},{"word":"and","start":390.255,"end":390.49503,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.04465663805603981},{"word":"i","start":390.49503,"end":390.65503,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11452492326498032},{"word":"don't","start":390.65503,"end":390.89502,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.09535225480794908},{"word":"wanna","start":390.89502,"end":391.135,"confidence":0.75439453,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.16048291325569153},{"word":"replace","start":391.135,"end":391.535,"confidence":0.99902344,"punctuated_word":"replace","sentiment":"neutral","sentiment_score":-0.22481699287891388},{"word":"that","start":391.535,"end":391.855,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2100335657596588},{"word":"with","start":391.855,"end":392.095,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.27350708842277527},{"word":"something","start":392.095,"end":392.415,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.19646424055099487},{"word":"that","start":392.415,"end":392.575,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1947929561138153},{"word":"may","start":392.575,"end":392.73502,"confidence":0.9902344,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.1837991029024124},{"word":"give","start":392.73502,"end":392.975,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.17490114271640778},{"word":"you","start":392.975,"end":393.05502,"confidence":0.89282227,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.15002037584781647},{"word":"like","start":393.05502,"end":393.295,"confidence":0.99853516,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.1863333284854889},{"word":"a","start":393.295,"end":393.375,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.18805718421936035},{"word":"back","start":393.375,"end":393.535,"confidence":0.99121094,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.18618178367614743},{"word":"exclusion","start":393.535,"end":394.035,"confidence":0.98535156,"punctuated_word":"exclusion","sentiment":"neutral","sentiment_score":-0.23867803812026975},{"word":"or","start":395.05502,"end":395.295,"confidence":0.9819336,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.22510966658592224},{"word":"something","start":395.295,"end":395.795,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.2480905055999756},{"word":"that","start":395.93503,"end":396.17502,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2049453556537628},{"word":"you","start":396.17502,"end":396.33502,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.22148486971855164},{"word":"can't","start":396.33502,"end":396.65503,"confidence":0.9995117,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.1484283059835434},{"word":"claim","start":396.65503,"end":396.975,"confidence":0.9951172,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":-0.05177319794893265},{"word":"on","start":396.975,"end":397.475,"confidence":0.9067383,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.10929767042398451},{"word":"now","start":399.61502,"end":399.93503,"confidence":0.97509766,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.19749677181243896},{"word":"i","start":399.93503,"end":400.095,"confidence":0.78466797,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19360113143920896},{"word":"guess","start":400.095,"end":400.33502,"confidence":1.0,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":0.22527183592319489},{"word":"the","start":400.33502,"end":400.415,"confidence":0.9199219,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28565070033073425},{"word":"good","start":400.415,"end":400.65503,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4218554198741913},{"word":"thing","start":400.65503,"end":400.89502,"confidence":1.0,"punctuated_word":"thing","sentiment":"positive","sentiment_score":0.4373791217803955},{"word":"too","start":400.89502,"end":401.05502,"confidence":0.9741211,"punctuated_word":"too","sentiment":"positive","sentiment_score":0.35001009702682495},{"word":"is","start":401.05502,"end":401.55502,"confidence":0.9970703,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3820231854915619},{"word":"qsu","start":401.695,"end":401.93503,"confidence":0.42333984,"punctuated_word":"Qsu","sentiment":"positive","sentiment_score":0.5583311915397644},{"word":"has","start":401.93503,"end":402.43503,"confidence":0.087524414,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.4438177347183227},{"word":"kept","start":402.65503,"end":402.89502,"confidence":0.99316406,"punctuated_word":"kept","sentiment":"positive","sentiment_score":0.4120144248008728},{"word":"their","start":402.89502,"end":403.135,"confidence":0.875,"punctuated_word":"their","sentiment":"positive","sentiment_score":0.33350419998168945},{"word":"fees","start":403.135,"end":403.45502,"confidence":0.9658203,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.41341671347618103},{"word":"pretty","start":403.45502,"end":403.695,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.3968731164932251},{"word":"low","start":403.695,"end":404.195,"confidence":0.95410156,"punctuated_word":"low.","sentiment":"neutral","sentiment_score":0.3031553626060486},{"word":"so","start":404.61,"end":404.93,"confidence":0.9790039,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.29218608140945435},{"word":"to","start":404.93,"end":405.33,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.27906110882759094},{"word":"maintain","start":405.33,"end":405.81,"confidence":1.0,"punctuated_word":"maintain","sentiment":"neutral","sentiment_score":0.32198673486709595},{"word":"the","start":405.81,"end":406.05,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.34395989775657654},{"word":"account","start":406.05,"end":406.55,"confidence":0.99365234,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.3174288868904114},{"word":"it's","start":406.61,"end":406.93,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2929149270057678},{"word":"only","start":406.93,"end":407.16998,"confidence":0.81274414,"punctuated_word":"only,","sentiment":"neutral","sentiment_score":0.2064161002635956},{"word":"like","start":407.16998,"end":407.49,"confidence":0.99853516,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.23027527332305908},{"word":"70","start":407.49,"end":407.81,"confidence":0.9980469,"punctuated_word":"70","sentiment":"positive","sentiment_score":0.34176161885261536},{"word":"something","start":407.81,"end":408.13,"confidence":0.9921875,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.2798191010951996},{"word":"dollars","start":408.13,"end":408.63,"confidence":0.9980469,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":0.2265477180480957},{"word":"flat","start":408.93,"end":409.25,"confidence":0.97802734,"punctuated_word":"flat","sentiment":"neutral","sentiment_score":0.30926403403282166},{"word":"fee","start":409.25,"end":409.37,"confidence":0.94970703,"punctuated_word":"fee","sentiment":"positive","sentiment_score":0.3546496033668518},{"word":"a","start":409.37,"end":409.49,"confidence":0.95410156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25776928663253784},{"word":"year","start":409.49,"end":409.99,"confidence":0.8959961,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.26859861612319946},{"word":"and","start":410.21,"end":410.44998,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1974819004535675},{"word":"everything","start":410.44998,"end":410.69,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.246824249625206},{"word":"else","start":410.69,"end":411.01,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.23265592753887177},{"word":"is","start":411.01,"end":411.16998,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1567602902650833},{"word":"kind","start":411.16998,"end":411.41,"confidence":0.98291016,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.16535991430282593},{"word":"of","start":411.41,"end":411.57,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2058669626712799},{"word":"percentage","start":411.57,"end":412.05,"confidence":0.9604492,"punctuated_word":"percentage","sentiment":"neutral","sentiment_score":0.2048232853412628},{"word":"based","start":412.05,"end":412.37,"confidence":0.92871094,"punctuated_word":"based.","sentiment":"neutral","sentiment_score":0.18168924748897552},{"word":"so","start":412.37,"end":412.53,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15152767300605774},{"word":"it's","start":412.53,"end":412.69,"confidence":0.9980469,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.16850033402442932},{"word":"not","start":412.69,"end":413.01,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.13998335599899292},{"word":"really","start":413.01,"end":413.51,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.12468014657497406},{"word":"putting","start":413.72998,"end":414.05,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.21143844723701477},{"word":"a","start":414.05,"end":414.21,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1956476867198944},{"word":"huge","start":414.21,"end":414.61,"confidence":1.0,"punctuated_word":"huge","sentiment":"neutral","sentiment_score":0.1844969093799591},{"word":"anchor","start":414.61,"end":414.93,"confidence":0.96972656,"punctuated_word":"anchor","sentiment":"neutral","sentiment_score":-0.018305376172065735},{"word":"on","start":414.93,"end":415.09,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.15590254962444303},{"word":"the","start":415.09,"end":415.25,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.42006388306617737},{"word":"growth","start":415.25,"end":415.49,"confidence":0.8508301,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":0.3308749198913574},{"word":"if","start":415.49,"end":415.72998,"confidence":0.9707031,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3511466085910797},{"word":"that","start":415.72998,"end":415.88998,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.31981897354125977},{"word":"makes","start":415.88998,"end":416.13,"confidence":0.98095703,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.2717783451080322},{"word":"sense","start":416.13,"end":416.63,"confidence":0.9909668,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":0.2139914184808731},{"word":"cool","start":418.635,"end":419.135,"confidence":0.87231445,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.0359308086335659},{"word":"yes","start":435.61002,"end":436.11002,"confidence":0.96240234,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.044316112995147705},{"word":"yeah","start":442.745,"end":443.145,"confidence":0.9067383,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.038436710834503174},{"word":"and","start":443.145,"end":443.385,"confidence":0.99609375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04178993031382561},{"word":"even","start":443.385,"end":443.785,"confidence":0.9980469,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.043604813516139984},{"word":"the","start":443.785,"end":443.945,"confidence":0.90234375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07243594527244568},{"word":"suncorp","start":443.945,"end":444.425,"confidence":0.8826497,"punctuated_word":"Suncorp","sentiment":"neutral","sentiment_score":0.09843868017196657},{"word":"wasn't","start":444.425,"end":444.745,"confidence":0.99902344,"punctuated_word":"wasn't","sentiment":"neutral","sentiment_score":0.16659878194332123},{"word":"too","start":444.745,"end":444.985,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.001621440052986145},{"word":"expensive","start":444.985,"end":445.485,"confidence":0.84350586,"punctuated_word":"expensive.","sentiment":"neutral","sentiment_score":0.03540199622511864},{"word":"like","start":445.54498,"end":445.705,"confidence":0.9152832,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.07043811678886414},{"word":"i've","start":445.705,"end":445.865,"confidence":0.99902344,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.08132972568273544},{"word":"seen","start":445.865,"end":446.185,"confidence":0.99902344,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.05101210996508598},{"word":"some","start":446.185,"end":446.425,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.04628776013851166},{"word":"policies","start":446.425,"end":446.925,"confidence":0.9741211,"punctuated_word":"policies","sentiment":"neutral","sentiment_score":0.019613713026046753},{"word":"floating","start":446.985,"end":447.485,"confidence":0.9536133,"punctuated_word":"floating","sentiment":"neutral","sentiment_score":0.09280677139759064},{"word":"$3.04","start":447.54498,"end":448.185,"confidence":0.90197754,"punctuated_word":"$3.04,","sentiment":"neutral","sentiment_score":0.06117476895451546},{"word":"5,000","start":448.185,"end":448.845,"confidence":0.9458008,"punctuated_word":"5,000.","sentiment":"neutral","sentiment_score":0.0573328398168087},{"word":"but","start":449.305,"end":449.805,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.08271646499633789},{"word":"if","start":450.505,"end":450.745,"confidence":0.9902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11233723163604736},{"word":"that","start":450.745,"end":450.985,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13817739486694336},{"word":"was","start":450.985,"end":451.225,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.07029350847005844},{"word":"something","start":451.225,"end":451.54498,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.14487087726593018},{"word":"where","start":451.54498,"end":451.705,"confidence":0.9863281,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.11258672177791595},{"word":"you","start":451.705,"end":451.865,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1663168966770172},{"word":"do","start":451.865,"end":452.025,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1535746306180954},{"word":"wanna","start":452.025,"end":452.345,"confidence":0.91259766,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.18691323697566983},{"word":"save","start":452.345,"end":452.585,"confidence":0.9980469,"punctuated_word":"save","sentiment":"neutral","sentiment_score":0.09088636934757233},{"word":"a","start":452.585,"end":452.745,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18112117052078247},{"word":"bit","start":452.745,"end":453.145,"confidence":0.9885254,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":0.1402825117111206},{"word":"a","start":453.145,"end":453.305,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18209493160247803},{"word":"bit","start":453.305,"end":453.465,"confidence":0.9951172,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.14409294724464417},{"word":"of","start":453.465,"end":453.625,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16586539149284363},{"word":"a","start":453.625,"end":453.705,"confidence":0.98535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1565756797790527},{"word":"trim","start":453.705,"end":454.025,"confidence":0.67041016,"punctuated_word":"trim","sentiment":"neutral","sentiment_score":0.08821258693933487},{"word":"down","start":454.025,"end":454.505,"confidence":0.99121094,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.16736307740211487},{"word":"could","start":454.505,"end":454.745,"confidence":0.9560547,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.18301498889923096},{"word":"be","start":454.745,"end":454.905,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.15664590895175934},{"word":"okay","start":454.905,"end":455.405,"confidence":0.9970703,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.208382785320282},{"word":"k","start":457.73,"end":458.23,"confidence":0.63952637,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.237782821059227},{"word":"so","start":458.29,"end":458.53,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.17366887629032135},{"word":"what","start":458.53,"end":458.69,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2209396660327911},{"word":"i","start":458.69,"end":458.85,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15708313882350922},{"word":"might","start":458.85,"end":459.01,"confidence":0.9633789,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.19501030445098877},{"word":"do","start":459.01,"end":459.25,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.14750462770462036},{"word":"is","start":459.25,"end":459.49002,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.14825840294361117},{"word":"i","start":459.49002,"end":459.65002,"confidence":0.98535156,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15523773431777954},{"word":"might","start":459.65002,"end":459.81,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.17595265805721283},{"word":"send","start":459.81,"end":460.13,"confidence":0.99902344,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.15515755116939545},{"word":"through","start":460.13,"end":460.37003,"confidence":0.9790039,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1587582379579544},{"word":"these","start":460.37003,"end":460.61002,"confidence":0.5151367,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.20462073385715485},{"word":"documents","start":460.61002,"end":461.11002,"confidence":0.9243164,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.18303972482681272},{"word":"to","start":461.25,"end":461.57,"confidence":0.67285156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16469159722328186},{"word":"your","start":461.57,"end":461.97,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16764239966869354},{"word":"gmail","start":461.97,"end":462.45,"confidence":0.99121094,"punctuated_word":"Gmail","sentiment":"neutral","sentiment_score":0.16600967943668363},{"word":"account","start":462.45,"end":462.95,"confidence":0.99609375,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.1616450846195221},{"word":"it's","start":463.73,"end":464.05002,"confidence":0.9421387,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.1542692482471466},{"word":"going","start":464.05002,"end":464.45,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.14808616042137146},{"word":"to","start":464.45,"end":464.69,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1444171965122223},{"word":"include","start":464.69,"end":465.19,"confidence":1.0,"punctuated_word":"include","sentiment":"neutral","sentiment_score":0.15056277811527252},{"word":"statement","start":465.81,"end":466.13,"confidence":0.9658203,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.22400526702404025},{"word":"of","start":466.13,"end":466.29,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18741868436336517},{"word":"advice","start":466.29,"end":466.69,"confidence":0.9873047,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.13107161223888397},{"word":"just","start":466.69,"end":466.93002,"confidence":0.8911133,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17352189123630524},{"word":"showing","start":466.93002,"end":467.17,"confidence":1.0,"punctuated_word":"showing","sentiment":"neutral","sentiment_score":0.15443263947963717},{"word":"the","start":467.17,"end":467.41,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12550273537635803},{"word":"portfolio","start":467.41,"end":467.91,"confidence":0.99316406,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.1029832661151886},{"word":"switch","start":468.13,"end":468.63,"confidence":0.9560547,"punctuated_word":"switch,","sentiment":"neutral","sentiment_score":0.13834868371486664},{"word":"the","start":469.075,"end":469.315,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1748131513595581},{"word":"rollover","start":469.315,"end":469.815,"confidence":0.9379883,"punctuated_word":"rollover,","sentiment":"neutral","sentiment_score":0.12465884536504744},{"word":"and","start":470.035,"end":470.275,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10939446091651917},{"word":"the","start":470.275,"end":470.435,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1178416907787323},{"word":"investment","start":470.435,"end":470.83502,"confidence":0.9892578,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.03880583122372627},{"word":"sorry","start":471.635,"end":471.95502,"confidence":0.8063965,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":0.07329803705215454},{"word":"insurance","start":471.95502,"end":472.45502,"confidence":0.99609375,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.103881374001503},{"word":"reduction","start":472.515,"end":473.015,"confidence":0.7836914,"punctuated_word":"reduction.","sentiment":"neutral","sentiment_score":0.11953452229499816},{"word":"and","start":473.475,"end":473.715,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.26577454805374146},{"word":"just","start":473.715,"end":473.95502,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2708146274089813},{"word":"make","start":473.95502,"end":474.11502,"confidence":0.7949219,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.21984773874282837},{"word":"sure","start":474.11502,"end":474.435,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.25339096784591675},{"word":"you're","start":474.435,"end":474.67502,"confidence":0.9946289,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.291959285736084},{"word":"comfortable","start":474.67502,"end":475.155,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.18322452902793884},{"word":"with","start":475.155,"end":475.23502,"confidence":0.95410156,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.29753103852272034},{"word":"all","start":475.23502,"end":475.475,"confidence":0.99609375,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.35490816831588745},{"word":"of","start":475.475,"end":475.635,"confidence":0.98828125,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3519395887851715},{"word":"that","start":475.635,"end":476.135,"confidence":0.9641113,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.2512136697769165},{"word":"so","start":476.195,"end":476.435,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1848946064710617},{"word":"i","start":476.435,"end":476.515,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19329577684402463},{"word":"am","start":476.515,"end":476.755,"confidence":0.95166016,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.24109655618667605},{"word":"gonna","start":476.755,"end":477.075,"confidence":0.9536133,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.20197167992591855},{"word":"pop","start":477.075,"end":477.315,"confidence":0.9980469,"punctuated_word":"pop","sentiment":"neutral","sentiment_score":0.24511854350566864},{"word":"that","start":477.315,"end":477.475,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20086358487606049},{"word":"through","start":477.475,"end":477.795,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.170595183968544},{"word":"to","start":477.795,"end":477.95502,"confidence":0.95703125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1797008216381073},{"word":"you","start":477.95502,"end":478.45502,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.15573588013648987},{"word":"do","start":478.995,"end":479.155,"confidence":0.9248047,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.07951365411281586},{"word":"you","start":479.155,"end":479.315,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06943559646606445},{"word":"mind","start":479.315,"end":479.555,"confidence":1.0,"punctuated_word":"mind","sentiment":"neutral","sentiment_score":0.0591060109436512},{"word":"if","start":479.555,"end":479.715,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09534654021263124},{"word":"i","start":479.715,"end":479.875,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10058537870645524},{"word":"just","start":479.875,"end":480.035,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11031034588813782},{"word":"quickly","start":480.035,"end":480.355,"confidence":1.0,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.1045604795217514},{"word":"update","start":480.355,"end":480.67502,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.07725558429956436},{"word":"a","start":480.67502,"end":480.83502,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09230045229196548},{"word":"couple","start":480.83502,"end":481.075,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.08059084415435791},{"word":"of","start":481.075,"end":481.155,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09563866257667542},{"word":"those","start":481.155,"end":481.39502,"confidence":0.9941406,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.09718169271945952},{"word":"details","start":481.39502,"end":481.715,"confidence":1.0,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.0823080763220787},{"word":"you","start":481.715,"end":481.875,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08301829546689987},{"word":"mentioned","start":481.875,"end":482.195,"confidence":0.99902344,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.09780608117580414},{"word":"at","start":482.195,"end":482.355,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09054186195135117},{"word":"the","start":482.355,"end":482.515,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1104322150349617},{"word":"start","start":482.515,"end":482.755,"confidence":0.99902344,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.1099202036857605},{"word":"of","start":482.755,"end":482.995,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11322092264890672},{"word":"the","start":482.995,"end":483.075,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07628045976161957},{"word":"call","start":483.075,"end":483.54,"confidence":0.9838867,"punctuated_word":"call?","sentiment":"neutral","sentiment_score":0.06816036254167557},{"word":"so","start":486.74002,"end":487.22,"confidence":0.99121094,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09660325944423676},{"word":"you're","start":487.22,"end":487.54,"confidence":0.99658203,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.07178835570812225},{"word":"still","start":487.54,"end":487.94,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.08893480896949768},{"word":"at","start":487.94,"end":488.44,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05527825653553009},{"word":"the","start":489.38,"end":489.54,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05753399431705475},{"word":"same","start":489.54,"end":489.86002,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.08164361864328384},{"word":"address","start":489.86002,"end":490.26,"confidence":1.0,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.0542980432510376},{"word":"in","start":490.26,"end":490.42,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05217386782169342},{"word":"mooresland","start":490.42,"end":490.9,"confidence":0.6246033,"punctuated_word":"Mooresland,","sentiment":"neutral","sentiment_score":0.06334766000509262},{"word":"i","start":490.9,"end":491.06,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.065065398812294},{"word":"believe","start":491.06,"end":491.56,"confidence":0.8273926,"punctuated_word":"believe.","sentiment":"neutral","sentiment_score":0.055888351052999496},{"word":"yep","start":494.98,"end":495.38,"confidence":0.9748535,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16091303527355194},{"word":"perfect","start":495.38,"end":495.88,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.31454572081565857},{"word":"and","start":496.885,"end":497.285,"confidence":0.984375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.14228810369968414},{"word":"have","start":497.285,"end":497.445,"confidence":0.9819336,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0997837632894516},{"word":"they","start":497.445,"end":497.60498,"confidence":0.99121094,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.12879179418087006},{"word":"changed","start":497.60498,"end":497.925,"confidence":0.9941406,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":0.14050348103046417},{"word":"your","start":497.925,"end":498.165,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1054813265800476},{"word":"income","start":498.165,"end":498.565,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.0954608991742134},{"word":"much","start":498.565,"end":498.725,"confidence":0.99609375,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.028402678668498993},{"word":"from","start":498.725,"end":498.805,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.05796109884977341},{"word":"i","start":498.885,"end":498.965,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03455239161849022},{"word":"think","start":498.965,"end":499.205,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.03706130385398865},{"word":"it","start":499.205,"end":499.285,"confidence":0.90478516,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05643815919756889},{"word":"was","start":499.285,"end":499.445,"confidence":0.94970703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.051942531019449234},{"word":"about","start":499.445,"end":499.60498,"confidence":0.9741211,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.04727014899253845},{"word":"120,000","start":499.60498,"end":500.805,"confidence":0.85343015,"punctuated_word":"120,000.","sentiment":"neutral","sentiment_score":0.08156774938106537},{"word":"yeah","start":500.805,"end":501.04498,"confidence":0.7426758,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.19587594270706177},{"word":"that's","start":501.04498,"end":501.285,"confidence":0.86376953,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.27860650420188904},{"word":"good","start":501.285,"end":501.785,"confidence":0.7937012,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.235117569565773},{"word":"yep","start":507.04498,"end":507.54498,"confidence":0.9194336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05854783207178116},{"word":"and","start":507.685,"end":508.185,"confidence":0.99609375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03898139297962189},{"word":"in","start":508.45,"end":508.61002,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.028814688324928284},{"word":"terms","start":508.61002,"end":508.77002,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.026550818234682083},{"word":"of","start":508.77002,"end":508.85,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.040053755044937134},{"word":"the","start":508.85,"end":509.17,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03815067186951637},{"word":"home","start":509.17,"end":509.33002,"confidence":0.9604492,"punctuated_word":"home,","sentiment":"neutral","sentiment_score":0.029484663158655167},{"word":"you","start":509.33002,"end":509.49002,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03544040024280548},{"word":"said","start":509.49002,"end":509.65,"confidence":0.9980469,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.03567035123705864},{"word":"you","start":509.65,"end":509.81,"confidence":0.94628906,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.036526456475257874},{"word":"just","start":509.81,"end":509.97,"confidence":0.5126953,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04921562597155571},{"word":"done","start":509.97,"end":510.13,"confidence":0.91015625,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.030572809278964996},{"word":"that","start":510.13,"end":510.45,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07214988768100739},{"word":"refinance","start":510.45,"end":510.95,"confidence":0.9863281,"punctuated_word":"refinance","sentiment":"neutral","sentiment_score":0.02884096652269363},{"word":"there","start":511.09,"end":511.33002,"confidence":0.95947266,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.04221662878990173},{"word":"i","start":511.33002,"end":511.49002,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.021762311458587646},{"word":"think","start":511.49002,"end":511.89,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.0122157521545887},{"word":"last","start":511.89,"end":512.29004,"confidence":0.7988281,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.02278771996498108},{"word":"check","start":512.29004,"end":512.79004,"confidence":0.91967773,"punctuated_word":"check,","sentiment":"neutral","sentiment_score":0.042474307119846344},{"word":"we","start":512.85004,"end":513.09,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.020947545766830444},{"word":"had","start":513.09,"end":513.25,"confidence":0.99609375,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.01755489781498909},{"word":"about","start":513.25,"end":513.57,"confidence":0.98828125,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0029051750898361206},{"word":"1","start":513.57,"end":513.81,"confidence":1.0,"punctuated_word":"1","sentiment":"neutral","sentiment_score":0.009586676955223083},{"word":"and","start":513.81,"end":513.89,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0055627524852752686},{"word":"a","start":513.89,"end":514.05,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.026659509167075157},{"word":"half","start":514.05,"end":514.29004,"confidence":1.0,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.011819355189800262},{"word":"mil","start":514.29004,"end":514.61,"confidence":0.734375,"punctuated_word":"mil","sentiment":"neutral","sentiment_score":0.03284505754709244},{"word":"value","start":514.61,"end":515.11,"confidence":0.93774414,"punctuated_word":"value,","sentiment":"neutral","sentiment_score":0.028639528900384903},{"word":"$7.30","start":515.25,"end":516.05,"confidence":0.9975586,"punctuated_word":"$7.30","sentiment":"neutral","sentiment_score":0.02776686474680901},{"word":"owing","start":516.05,"end":516.55,"confidence":0.9074707,"punctuated_word":"owing,","sentiment":"neutral","sentiment_score":0.032337430864572525},{"word":"and","start":516.61,"end":516.77,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03034668043255806},{"word":"a","start":516.77,"end":516.93,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.061673603951931},{"word":"bid","start":516.93,"end":517.09,"confidence":0.81933594,"punctuated_word":"bid","sentiment":"neutral","sentiment_score":0.06577204167842865},{"word":"in","start":517.09,"end":517.25,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.035953350365161896},{"word":"the","start":517.25,"end":517.41003,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.029743742197752},{"word":"offset","start":517.41003,"end":517.81,"confidence":0.9941406,"punctuated_word":"offset","sentiment":"neutral","sentiment_score":0.04439714923501015},{"word":"account","start":517.81,"end":518.21,"confidence":0.9165039,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.05234394967556},{"word":"as","start":518.21,"end":518.37,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05517127364873886},{"word":"well","start":518.37,"end":518.87,"confidence":0.9975586,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.04621230065822601},{"word":"yeah","start":544.75,"end":545.25,"confidence":0.8198242,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.001249836292117834},{"word":"yep","start":546.445,"end":546.945,"confidence":0.84033203,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01789052039384842},{"word":"perfect","start":555.005,"end":555.505,"confidence":0.9951172,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5715246200561523},{"word":"and","start":555.725,"end":556.225,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.30766451358795166},{"word":"i","start":556.285,"end":556.445,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2674553394317627},{"word":"think","start":556.445,"end":556.685,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.24146050214767456},{"word":"you","start":556.685,"end":556.84503,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28952521085739136},{"word":"had","start":556.84503,"end":557.085,"confidence":0.9970703,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.22606612741947177},{"word":"a","start":557.085,"end":557.325,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2171969413757324},{"word":"a","start":557.325,"end":557.405,"confidence":0.89990234,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17230021953582764},{"word":"tesla","start":557.405,"end":557.885,"confidence":0.9970703,"punctuated_word":"Tesla","sentiment":"neutral","sentiment_score":0.196655735373497},{"word":"listed","start":557.885,"end":558.125,"confidence":0.9980469,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.17660373449325562},{"word":"there","start":558.125,"end":558.365,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.19050271809101105},{"word":"as","start":558.365,"end":558.525,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17519986629486084},{"word":"well","start":558.525,"end":558.685,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.18051669001579285},{"word":"with","start":558.685,"end":558.805,"confidence":0.9667969,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.16711147129535675},{"word":"a","start":558.805,"end":558.925,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16088485717773438},{"word":"bit","start":558.925,"end":559.165,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.17349478602409363},{"word":"of","start":559.165,"end":559.245,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2172485888004303},{"word":"debt","start":559.245,"end":559.485,"confidence":0.88720703,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":0.2259316593408585},{"word":"owing","start":559.485,"end":559.805,"confidence":0.88671875,"punctuated_word":"owing","sentiment":"neutral","sentiment_score":0.1551709771156311},{"word":"on","start":559.805,"end":559.965,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.16571703553199768},{"word":"that","start":559.965,"end":560.125,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20671892166137695},{"word":"one","start":560.125,"end":560.625,"confidence":0.8220215,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.172161802649498},{"word":"yep","start":562.92,"end":563.24,"confidence":0.9086914,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2207547277212143},{"word":"cool","start":563.24,"end":563.48,"confidence":0.9812012,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.3796614408493042},{"word":"so","start":563.48,"end":563.64,"confidence":0.98828125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2643108367919922},{"word":"i","start":563.64,"end":563.8,"confidence":0.96533203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.29339221119880676},{"word":"think","start":563.8,"end":563.96,"confidence":0.8496094,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.2731403410434723},{"word":"i'll","start":563.96,"end":564.12,"confidence":0.7114258,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.3166379928588867},{"word":"put","start":564.12,"end":564.36,"confidence":0.9951172,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.26044732332229614},{"word":"that","start":564.36,"end":564.76,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.270486980676651},{"word":"around","start":564.76,"end":565.0,"confidence":0.9482422,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.3055095672607422},{"word":"the","start":565.0,"end":565.24,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29966771602630615},{"word":"80","start":565.24,"end":565.48,"confidence":0.9921875,"punctuated_word":"80","sentiment":"positive","sentiment_score":0.35340964794158936},{"word":"mark","start":565.48,"end":565.98,"confidence":0.99316406,"punctuated_word":"mark","sentiment":"positive","sentiment_score":0.36123964190483093},{"word":"for","start":566.2,"end":566.44,"confidence":0.9707031,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2915095090866089},{"word":"that","start":566.44,"end":566.68,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3827454745769501},{"word":"one","start":566.68,"end":567.18,"confidence":1.0,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.3305152654647827},{"word":"outside","start":569.32,"end":569.72003,"confidence":0.90625,"punctuated_word":"Outside","sentiment":"positive","sentiment_score":0.5493165254592896},{"word":"of","start":569.72003,"end":569.88,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.41547149419784546},{"word":"that","start":569.88,"end":570.04004,"confidence":0.9980469,"punctuated_word":"that,","sentiment":"positive","sentiment_score":0.43495726585388184},{"word":"i","start":570.04004,"end":570.2,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.6023221015930176},{"word":"think","start":570.2,"end":570.52,"confidence":1.0,"punctuated_word":"think","sentiment":"positive","sentiment_score":0.6021592617034912},{"word":"everything's","start":570.52,"end":571.0,"confidence":0.9350586,"punctuated_word":"everything's","sentiment":"positive","sentiment_score":0.6459316611289978},{"word":"looking","start":571.0,"end":571.4,"confidence":0.9892578,"punctuated_word":"looking","sentiment":"positive","sentiment_score":0.6833242177963257},{"word":"pretty","start":571.4,"end":571.72003,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.6741692423820496},{"word":"good","start":571.72003,"end":572.22003,"confidence":0.9946289,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5628117918968201},{"word":"didn't","start":572.60004,"end":572.84,"confidence":0.9206543,"punctuated_word":"Didn't","sentiment":"neutral","sentiment_score":0.030442439019680023},{"word":"end","start":572.84,"end":573.0,"confidence":0.9980469,"punctuated_word":"end","sentiment":"neutral","sentiment_score":-0.05096492916345596},{"word":"up","start":573.0,"end":573.16003,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.04668540507555008},{"word":"getting","start":573.16003,"end":573.4,"confidence":0.7553711,"punctuated_word":"getting,","sentiment":"neutral","sentiment_score":-0.061530642211437225},{"word":"like","start":573.4,"end":573.64,"confidence":0.95092773,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.023439526557922363},{"word":"a","start":573.64,"end":573.72003,"confidence":0.9604492,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03358536958694458},{"word":"actually","start":574.27496,"end":574.595,"confidence":0.9875488,"punctuated_word":"actually,","sentiment":"neutral","sentiment_score":-0.02857322618365288},{"word":"were","start":574.595,"end":574.995,"confidence":0.7915039,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.08339330554008484},{"word":"you","start":574.995,"end":575.07495,"confidence":0.98535156,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06094110757112503},{"word":"pretty","start":575.07495,"end":575.315,"confidence":0.9873047,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.06111177057027817},{"word":"close","start":575.315,"end":575.555,"confidence":1.0,"punctuated_word":"close","sentiment":"neutral","sentiment_score":-0.10464906692504884},{"word":"to","start":575.555,"end":575.71497,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04541320353746414},{"word":"putting","start":575.71497,"end":575.875,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":-0.022194605320692062},{"word":"a","start":575.875,"end":576.035,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02034715563058853},{"word":"will","start":576.035,"end":576.27496,"confidence":0.85058594,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.006856381893157959},{"word":"in","start":576.27496,"end":576.435,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.007206924259662628},{"word":"place","start":576.435,"end":576.935,"confidence":0.9926758,"punctuated_word":"place?","sentiment":"neutral","sentiment_score":-0.030453037470579147},{"word":"yeah","start":595.97,"end":596.47,"confidence":0.890625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0323258712887764},{"word":"that's","start":596.76996,"end":597.08997,"confidence":0.99658203,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.04997514933347702},{"word":"okay","start":597.08997,"end":597.57,"confidence":0.9848633,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.07585493475198746},{"word":"and","start":597.57,"end":598.07,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05738186463713646},{"word":"i'm","start":598.515,"end":598.67505,"confidence":0.9851074,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.044305406510829926},{"word":"i'll","start":598.755,"end":599.075,"confidence":0.93066406,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.048811476677656174},{"word":"put","start":599.075,"end":599.315,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.04885023087263107},{"word":"the","start":599.315,"end":599.47504,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04067554697394371},{"word":"usual","start":599.47504,"end":599.79504,"confidence":0.99902344,"punctuated_word":"usual","sentiment":"neutral","sentiment_score":0.050033703446388245},{"word":"reminder","start":599.79504,"end":600.195,"confidence":0.99902344,"punctuated_word":"reminder","sentiment":"neutral","sentiment_score":0.04382558539509773},{"word":"in","start":600.195,"end":600.275,"confidence":0.9580078,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06311912834644318},{"word":"the","start":600.275,"end":600.515,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06156817823648453},{"word":"advice","start":600.515,"end":600.835,"confidence":0.96240234,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.03660578653216362},{"word":"document","start":600.835,"end":601.335,"confidence":0.9941406,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.026127398014068604},{"word":"about","start":601.395,"end":601.715,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.024486850947141647},{"word":"wills","start":601.715,"end":602.03503,"confidence":0.92089844,"punctuated_word":"wills","sentiment":"neutral","sentiment_score":0.02658315934240818},{"word":"and","start":602.03503,"end":602.275,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.035593193024396896},{"word":"powers","start":602.275,"end":602.515,"confidence":0.97998047,"punctuated_word":"powers","sentiment":"neutral","sentiment_score":0.03393789008259773},{"word":"of","start":602.515,"end":602.67505,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.030481673777103424},{"word":"attorney","start":602.67505,"end":603.17505,"confidence":0.9885254,"punctuated_word":"attorney.","sentiment":"neutral","sentiment_score":0.0246526338160038},{"word":"again","start":603.635,"end":603.955,"confidence":0.9230957,"punctuated_word":"Again,","sentiment":"neutral","sentiment_score":0.047435861080884933},{"word":"through","start":603.955,"end":604.195,"confidence":0.98535156,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.18820786476135257},{"word":"the","start":604.195,"end":604.35504,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1493566632270813},{"word":"unions","start":604.35504,"end":604.755,"confidence":0.9472656,"punctuated_word":"unions","sentiment":"neutral","sentiment_score":0.18032002449035645},{"word":"is","start":604.755,"end":604.91504,"confidence":0.5209961,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3111007809638977},{"word":"pretty","start":604.91504,"end":605.155,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.37067711353302},{"word":"cool","start":605.155,"end":605.655,"confidence":0.9921875,"punctuated_word":"cool.","sentiment":"neutral","sentiment_score":0.249174103140831},{"word":"the","start":605.875,"end":606.275,"confidence":0.9980469,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.04838265478610992},{"word":"the","start":606.275,"end":606.515,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04663513973355293},{"word":"old","start":606.515,"end":606.91504,"confidence":0.99316406,"punctuated_word":"old","sentiment":"neutral","sentiment_score":0.03673084080219269},{"word":"post","start":606.91504,"end":607.23505,"confidence":0.87060547,"punctuated_word":"post","sentiment":"neutral","sentiment_score":0.04847479984164238},{"word":"office","start":607.23505,"end":607.635,"confidence":0.99609375,"punctuated_word":"office","sentiment":"neutral","sentiment_score":0.048125382512807846},{"word":"will","start":607.635,"end":607.875,"confidence":0.78515625,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.033069711178541183},{"word":"kit","start":607.875,"end":608.275,"confidence":0.73217773,"punctuated_word":"kit,","sentiment":"neutral","sentiment_score":0.02386752888560295},{"word":"though","start":608.275,"end":608.515,"confidence":0.9951172,"punctuated_word":"though","sentiment":"neutral","sentiment_score":0.005211200565099716},{"word":"it's","start":608.515,"end":608.755,"confidence":0.967041,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.016789309680461884},{"word":"legal","start":608.755,"end":609.155,"confidence":0.986084,"punctuated_word":"legal,","sentiment":"neutral","sentiment_score":0.025509599596261975},{"word":"they're","start":609.155,"end":609.395,"confidence":0.99853516,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.020328793674707413},{"word":"pretty","start":609.395,"end":609.635,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.041842032223939896},{"word":"basic","start":609.635,"end":610.135,"confidence":0.9321289,"punctuated_word":"basic.","sentiment":"neutral","sentiment_score":0.015617717057466509},{"word":"and","start":610.69,"end":611.19,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.00964759849011898},{"word":"besides","start":611.25,"end":611.75,"confidence":0.96240234,"punctuated_word":"besides","sentiment":"neutral","sentiment_score":0.007451881654560566},{"word":"so","start":612.93,"end":613.17,"confidence":0.35546875,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.004244154319167137},{"word":"the","start":613.17,"end":613.32996,"confidence":0.98291016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.005712680518627167},{"word":"basic","start":613.32996,"end":613.73,"confidence":0.99902344,"punctuated_word":"basic","sentiment":"neutral","sentiment_score":0.005115225911140442},{"word":"ones","start":613.73,"end":614.05,"confidence":0.9199219,"punctuated_word":"ones,","sentiment":"neutral","sentiment_score":0.012236874550580978},{"word":"they","start":614.05,"end":614.20996,"confidence":0.9970703,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.011782754212617874},{"word":"are","start":614.20996,"end":614.44995,"confidence":0.85961914,"punctuated_word":"are,","sentiment":"neutral","sentiment_score":0.015307525172829628},{"word":"like","start":614.44995,"end":614.85,"confidence":0.9975586,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.02590114250779152},{"word":"government","start":614.85,"end":615.32996,"confidence":0.9980469,"punctuated_word":"government","sentiment":"neutral","sentiment_score":0.04011952877044678},{"word":"approved","start":615.32996,"end":615.81,"confidence":0.8811035,"punctuated_word":"approved.","sentiment":"neutral","sentiment_score":0.01741511933505535},{"word":"that's","start":615.81,"end":616.05,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.020540554076433185},{"word":"why","start":616.05,"end":616.44995,"confidence":0.99902344,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.02530837431550026},{"word":"those","start":616.44995,"end":616.69,"confidence":0.64697266,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.0001432746648788452},{"word":"posters","start":616.69,"end":617.08997,"confidence":0.56689453,"punctuated_word":"posters","sentiment":"neutral","sentiment_score":-0.00361565500497818},{"word":"are","start":617.08997,"end":617.25,"confidence":0.5078125,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.01163690909743309},{"word":"allowed","start":617.25,"end":617.49,"confidence":0.98535156,"punctuated_word":"allowed","sentiment":"neutral","sentiment_score":-0.0011571794748306274},{"word":"to","start":617.49,"end":617.57,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.00723324716091156},{"word":"sell","start":617.57,"end":617.81,"confidence":0.9951172,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.005867496132850647},{"word":"them","start":617.81,"end":618.31,"confidence":0.9645996,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":-0.019569281488657},{"word":"but","start":618.61,"end":618.93,"confidence":0.9526367,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.021006064489483833},{"word":"outside","start":618.93,"end":619.41,"confidence":0.99902344,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":-0.059050679206848145},{"word":"of","start":619.41,"end":619.57,"confidence":0.939209,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.04960470646619797},{"word":"like","start":619.57,"end":619.81,"confidence":0.9699707,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.04980459809303284},{"word":"you","start":619.81,"end":619.97,"confidence":0.9819336,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05283140391111374},{"word":"know","start":619.97,"end":620.37,"confidence":0.9880371,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.04418234154582024},{"word":"this","start":620.37,"end":620.61,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.03930274769663811},{"word":"is","start":620.61,"end":620.69,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03743019700050354},{"word":"where","start":620.69,"end":620.93,"confidence":0.99902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.016430169343948364},{"word":"the","start":620.93,"end":621.08997,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0158093124628067},{"word":"home","start":621.08997,"end":621.32996,"confidence":0.9580078,"punctuated_word":"home","sentiment":"neutral","sentiment_score":-0.01228179782629013},{"word":"and","start":621.32996,"end":621.49,"confidence":0.9658203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04082070663571358},{"word":"the","start":621.49,"end":621.64996,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.040207698941230774},{"word":"cash","start":621.64996,"end":621.97,"confidence":0.9921875,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.004534296691417694},{"word":"goes","start":621.97,"end":622.37,"confidence":0.89941406,"punctuated_word":"goes,","sentiment":"neutral","sentiment_score":-0.036205634474754333},{"word":"you're","start":622.37,"end":622.635,"confidence":0.69970703,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.05386018753051758},{"word":"you're","start":622.715,"end":622.875,"confidence":0.98706055,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.07016352564096451},{"word":"not","start":622.875,"end":622.955,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.08425730466842651},{"word":"gonna","start":622.955,"end":623.115,"confidence":0.8540039,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.07280980795621872},{"word":"be","start":623.115,"end":623.275,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.06976760178804398},{"word":"setting","start":623.275,"end":623.59503,"confidence":0.9980469,"punctuated_word":"setting","sentiment":"neutral","sentiment_score":-0.05698371306061745},{"word":"up","start":623.59503,"end":623.675,"confidence":0.80126953,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":-0.048265911638736725},{"word":"like","start":623.675,"end":623.91504,"confidence":0.99194336,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.03439999371767044},{"word":"a","start":623.91504,"end":624.075,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.031057463958859444},{"word":"testament","start":624.075,"end":624.555,"confidence":0.9370117,"punctuated_word":"testament","sentiment":"neutral","sentiment_score":-0.05152363330125809},{"word":"through","start":624.555,"end":624.795,"confidence":0.38427734,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.01730586215853691},{"word":"trust","start":624.795,"end":625.195,"confidence":0.9589844,"punctuated_word":"trust","sentiment":"neutral","sentiment_score":0.005617998540401459},{"word":"for","start":625.195,"end":625.355,"confidence":0.9223633,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0469621941447258},{"word":"the","start":625.355,"end":625.515,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0328960157930851},{"word":"kids","start":625.515,"end":625.835,"confidence":0.98095703,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":-0.015961982309818268},{"word":"or","start":625.835,"end":626.075,"confidence":0.9873047,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.051425106823444366},{"word":"anything","start":626.075,"end":626.47504,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.06973347812891006},{"word":"like","start":626.47504,"end":626.715,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.19031557440757751},{"word":"that","start":626.715,"end":627.215,"confidence":0.99902344,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.1908123940229416},{"word":"yep","start":630.395,"end":630.795,"confidence":0.97314453,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12933386862277985},{"word":"easy","start":630.795,"end":631.115,"confidence":0.62841797,"punctuated_word":"Easy","sentiment":"positive","sentiment_score":0.43986067175865173},{"word":"done","start":631.115,"end":631.615,"confidence":0.8015137,"punctuated_word":"done.","sentiment":"neutral","sentiment_score":0.036623161286115646},{"word":"and","start":631.835,"end":632.155,"confidence":0.84716797,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.13220897316932678},{"word":"we","start":632.155,"end":632.395,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1209871768951416},{"word":"wanted","start":632.395,"end":632.715,"confidence":0.99902344,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.14780187606811523},{"word":"to","start":632.715,"end":632.795,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1693851500749588},{"word":"update","start":632.795,"end":633.275,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.1668151617050171},{"word":"beneficiaries","start":633.275,"end":633.775,"confidence":0.83447266,"punctuated_word":"beneficiaries","sentiment":"neutral","sentiment_score":0.1610180139541626},{"word":"on","start":634.155,"end":634.395,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.20215532183647156},{"word":"the","start":634.395,"end":634.635,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18007105588912964},{"word":"super","start":634.635,"end":635.03503,"confidence":0.9453125,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1915932297706604},{"word":"accounts","start":635.03503,"end":635.435,"confidence":0.87158203,"punctuated_word":"accounts","sentiment":"neutral","sentiment_score":0.15683558583259585},{"word":"and","start":635.435,"end":635.59503,"confidence":0.93847656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17687493562698364},{"word":"just","start":635.59503,"end":635.835,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17339444160461426},{"word":"make","start":635.835,"end":635.995,"confidence":0.9980469,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.15835556387901306},{"word":"sure","start":635.995,"end":636.235,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.17322303354740143},{"word":"everything's","start":636.235,"end":636.735,"confidence":0.9387207,"punctuated_word":"everything's","sentiment":"neutral","sentiment_score":0.2256633937358856},{"word":"going","start":636.795,"end":637.295,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.32135069370269775},{"word":"where","start":637.58997,"end":637.70996,"confidence":1.0,"punctuated_word":"where","sentiment":"positive","sentiment_score":0.3357952833175659},{"word":"it","start":637.70996,"end":637.82996,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.20095457136631012},{"word":"should","start":637.82996,"end":638.23,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.19690631330013275},{"word":"be","start":638.23,"end":638.73,"confidence":0.9187012,"punctuated_word":"be.","sentiment":"neutral","sentiment_score":0.12967297434806824},{"word":"are","start":638.87,"end":639.02997,"confidence":0.9560547,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.08922456949949265},{"word":"you","start":639.02997,"end":639.19,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11800222098827362},{"word":"just","start":639.19,"end":639.43,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12589684128761292},{"word":"wanting","start":639.43,"end":639.67,"confidence":0.9970703,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.13477301597595215},{"word":"to","start":639.67,"end":639.82996,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1397569626569748},{"word":"make","start":639.82996,"end":639.99,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.12383042275905608},{"word":"sure","start":639.99,"end":640.23,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.1631966084241867},{"word":"that","start":640.23,"end":640.55,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20741064846515656},{"word":"kev","start":640.55,"end":640.87,"confidence":0.7871094,"punctuated_word":"Kev","sentiment":"neutral","sentiment_score":0.1773853898048401},{"word":"gets","start":640.87,"end":641.19,"confidence":0.9863281,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.24595266580581665},{"word":"pretty","start":641.19,"end":641.43,"confidence":0.9970703,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.18601737916469577},{"word":"much","start":641.43,"end":641.67,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.19227540493011477},{"word":"all","start":641.67,"end":641.91,"confidence":0.9707031,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1632813811302185},{"word":"the","start":641.91,"end":642.14996,"confidence":0.8730469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16167068481445312},{"word":"super","start":642.14996,"end":642.63,"confidence":0.8405762,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.14606812596321106},{"word":"all","start":642.63,"end":642.79,"confidence":0.9951172,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.15522044897079468},{"word":"the","start":642.79,"end":642.94995,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1567247211933136},{"word":"life","start":642.94995,"end":643.26996,"confidence":0.9951172,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.16908682882785797},{"word":"insurance","start":643.26996,"end":643.76996,"confidence":0.91015625,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":0.11886879801750184},{"word":"just","start":643.99,"end":644.38995,"confidence":0.9902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1196766048669815},{"word":"all","start":644.38995,"end":644.55,"confidence":0.9970703,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1185440942645073},{"word":"of","start":644.55,"end":644.70996,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1008085310459137},{"word":"it","start":644.70996,"end":645.20996,"confidence":0.953125,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.08983790874481201},{"word":"so","start":647.11,"end":647.50995,"confidence":0.47070312,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11888958513736723},{"word":"so","start":647.50995,"end":647.82996,"confidence":0.8989258,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.15528471767902374},{"word":"i","start":647.82996,"end":647.99,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17698493599891665},{"word":"might","start":647.99,"end":648.14996,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.21801690757274628},{"word":"get","start":648.14996,"end":648.47,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.21445778012275696},{"word":"my","start":648.47,"end":648.63,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.19325633347034457},{"word":"admin","start":648.63,"end":649.11,"confidence":0.8527832,"punctuated_word":"admin,","sentiment":"neutral","sentiment_score":0.2041950821876526},{"word":"michelle","start":649.11,"end":649.50995,"confidence":0.9758301,"punctuated_word":"Michelle,","sentiment":"neutral","sentiment_score":0.22554969787597656},{"word":"just","start":649.50995,"end":649.75,"confidence":0.9873047,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2696754038333893},{"word":"to","start":649.75,"end":649.82996,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24176025390625},{"word":"send","start":649.82996,"end":650.14996,"confidence":0.9970703,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.17354656755924225},{"word":"through","start":650.14996,"end":650.64996,"confidence":0.9560547,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2014974057674408},{"word":"some","start":651.265,"end":651.505,"confidence":0.90625,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.2032391726970673},{"word":"beneficiary","start":651.505,"end":652.005,"confidence":0.9951172,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.19406308233737943},{"word":"forms","start":652.145,"end":652.645,"confidence":0.88305664,"punctuated_word":"forms.","sentiment":"neutral","sentiment_score":0.1945907473564148},{"word":"at","start":652.705,"end":652.945,"confidence":0.9980469,"punctuated_word":"At","sentiment":"neutral","sentiment_score":0.2836708724498749},{"word":"least","start":652.945,"end":653.185,"confidence":1.0,"punctuated_word":"least","sentiment":"positive","sentiment_score":0.3453720510005951},{"word":"that's","start":653.185,"end":653.505,"confidence":0.94750977,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.3858675956726074},{"word":"pretty","start":653.505,"end":653.825,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.3753480613231659},{"word":"easy","start":653.825,"end":654.145,"confidence":0.9692383,"punctuated_word":"easy.","sentiment":"neutral","sentiment_score":0.29677337408065796},{"word":"it's","start":654.145,"end":654.305,"confidence":0.95043945,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.16069650650024414},{"word":"just","start":654.305,"end":654.545,"confidence":0.9863281,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15997232496738434},{"word":"to","start":654.545,"end":654.625,"confidence":0.97314453,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16258805990219116},{"word":"get","start":654.625,"end":654.785,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1394280642271042},{"word":"them","start":654.785,"end":654.945,"confidence":0.85498047,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.11901401728391647},{"word":"witnessed","start":654.945,"end":655.445,"confidence":0.66259766,"punctuated_word":"witnessed","sentiment":"neutral","sentiment_score":0.11828240007162094},{"word":"by","start":656.305,"end":656.545,"confidence":0.8852539,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.03385510295629501},{"word":"two","start":656.545,"end":656.785,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.035100050270557404},{"word":"adults","start":656.785,"end":657.285,"confidence":0.99902344,"punctuated_word":"adults","sentiment":"neutral","sentiment_score":0.04412469640374184},{"word":"who","start":657.425,"end":657.665,"confidence":0.50878906,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.03751423209905624},{"word":"aren't","start":657.665,"end":658.165,"confidence":0.71533203,"punctuated_word":"aren't.","sentiment":"neutral","sentiment_score":0.03851601481437683},{"word":"and","start":658.785,"end":659.285,"confidence":0.98535156,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03919469937682152},{"word":"would","start":660.785,"end":660.945,"confidence":0.98535156,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.015877798199653625},{"word":"you","start":660.945,"end":661.105,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.030221227556467056},{"word":"like","start":661.105,"end":661.265,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.018206370994448665},{"word":"them","start":661.265,"end":661.58496,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.03798602521419525},{"word":"to","start":661.58496,"end":661.745,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0153770474717021},{"word":"be","start":661.745,"end":662.145,"confidence":0.94921875,"punctuated_word":"be,","sentiment":"neutral","sentiment_score":0.01828581281006336},{"word":"like","start":662.145,"end":662.645,"confidence":0.9970703,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.026304040104150772},{"word":"continuous","start":663.47003,"end":663.97003,"confidence":0.9863281,"punctuated_word":"continuous","sentiment":"neutral","sentiment_score":0.03501802682876587},{"word":"for","start":664.19,"end":664.51,"confidence":0.4440918,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.035792797803878784},{"word":"non","start":664.51,"end":664.75,"confidence":0.9667969,"punctuated_word":"non","sentiment":"neutral","sentiment_score":0.030735911801457405},{"word":"lacing","start":664.75,"end":665.07,"confidence":0.44750977,"punctuated_word":"lacing,","sentiment":"neutral","sentiment_score":0.023282460868358612},{"word":"or","start":665.07,"end":665.31,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.017969228327274323},{"word":"do","start":665.31,"end":665.39,"confidence":0.95947266,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.015951577574014664},{"word":"you","start":665.39,"end":665.47003,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.028135329484939575},{"word":"want","start":665.47003,"end":665.63,"confidence":0.9980469,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.015423433855175972},{"word":"it","start":665.63,"end":665.79004,"confidence":0.9838867,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.016815003007650375},{"word":"to","start":665.79004,"end":665.95,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.013118676841259004},{"word":"expire","start":665.95,"end":666.35004,"confidence":0.99902344,"punctuated_word":"expire","sentiment":"neutral","sentiment_score":0.016899213194847107},{"word":"every","start":666.35004,"end":666.59,"confidence":0.99316406,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.013728569261729716},{"word":"three","start":666.59,"end":666.83,"confidence":0.9951172,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.011639133095741272},{"word":"years","start":666.83,"end":667.33,"confidence":0.99121094,"punctuated_word":"years?","sentiment":"neutral","sentiment_score":0.01606159470975399},{"word":"yeah","start":673.07,"end":673.39,"confidence":0.9926758,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08805142343044281},{"word":"perfect","start":673.39,"end":673.89,"confidence":0.9995117,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.2903289198875427},{"word":"yep","start":680.285,"end":680.785,"confidence":0.99365234,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04319562762975693},{"word":"yeah","start":694.06,"end":694.38,"confidence":0.8547363,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.18012620508670807},{"word":"that's","start":694.38,"end":694.62,"confidence":0.98657227,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2728865146636963},{"word":"easy","start":694.62,"end":694.94,"confidence":0.42407227,"punctuated_word":"easy.","sentiment":"neutral","sentiment_score":0.2828126847743988},{"word":"done","start":694.94,"end":695.26,"confidence":0.6826172,"punctuated_word":"Done.","sentiment":"neutral","sentiment_score":0.18207500874996185},{"word":"and","start":695.26,"end":695.5,"confidence":0.8959961,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07235760241746902},{"word":"are","start":695.5,"end":695.66,"confidence":0.97998047,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.044287800788879395},{"word":"you","start":695.66,"end":695.74,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07401174306869507},{"word":"okay","start":695.74,"end":696.06,"confidence":0.9970703,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.06083016097545624},{"word":"for","start":696.06,"end":696.14,"confidence":0.97265625,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07440511882305145},{"word":"them","start":696.14,"end":696.38,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.0843028724193573},{"word":"to","start":696.38,"end":696.54,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04495634138584137},{"word":"be","start":696.54,"end":696.7,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03653547912836075},{"word":"kind","start":696.7,"end":696.86,"confidence":0.9633789,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.03533441573381424},{"word":"of","start":696.86,"end":697.02,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06742355227470398},{"word":"emailed","start":697.02,"end":697.42,"confidence":0.9921875,"punctuated_word":"emailed","sentiment":"neutral","sentiment_score":0.062446292489767075},{"word":"and","start":697.42,"end":697.58,"confidence":0.98828125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.038305189460515976},{"word":"printed","start":697.58,"end":697.98,"confidence":0.81274414,"punctuated_word":"printed,","sentiment":"neutral","sentiment_score":0.03496268764138222},{"word":"or","start":697.98,"end":698.14,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0265071839094162},{"word":"would","start":698.14,"end":698.3,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.0223334226757288},{"word":"you","start":698.3,"end":698.46,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.031446754932403564},{"word":"like","start":698.46,"end":698.62,"confidence":0.9980469,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.022403480485081673},{"word":"them","start":698.62,"end":698.77997,"confidence":0.94189453,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.025674309581518173},{"word":"to","start":698.77997,"end":698.86,"confidence":0.55322266,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.012133415788412094},{"word":"post","start":698.86,"end":699.18,"confidence":0.38549805,"punctuated_word":"post","sentiment":"neutral","sentiment_score":0.01065070554614067},{"word":"it","start":699.18,"end":699.68,"confidence":0.97924805,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.013306102715432644},{"word":"yep","start":703.39496,"end":703.795,"confidence":0.9526367,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1970049738883972},{"word":"beautiful","start":703.795,"end":704.295,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4680486917495727},{"word":"so","start":704.355,"end":704.755,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.222202867269516},{"word":"what","start":704.755,"end":704.995,"confidence":0.9951172,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.23451539874076843},{"word":"i'll","start":704.995,"end":705.15497,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.22109925746917725},{"word":"do","start":705.15497,"end":705.315,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2236840128898621},{"word":"is","start":705.315,"end":705.555,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15546324849128723},{"word":"i've","start":705.555,"end":705.795,"confidence":0.98461914,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.16607950627803802},{"word":"also","start":705.795,"end":706.035,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.13250061869621277},{"word":"just","start":706.035,"end":706.27496,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.19903436303138733},{"word":"included","start":706.27496,"end":706.77496,"confidence":1.0,"punctuated_word":"included","sentiment":"neutral","sentiment_score":0.15496790409088135},{"word":"the","start":706.915,"end":707.235,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16508914530277252},{"word":"updated","start":707.235,"end":707.735,"confidence":0.99902344,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.12921196222305298},{"word":"service","start":708.435,"end":708.915,"confidence":0.95410156,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.14579901099205017},{"word":"agreement","start":708.915,"end":709.39496,"confidence":1.0,"punctuated_word":"agreement","sentiment":"neutral","sentiment_score":0.1405770778656006},{"word":"as","start":709.39496,"end":709.555,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.14752984046936035},{"word":"well","start":709.555,"end":710.055,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.14879298210144043},{"word":"because","start":710.195,"end":710.695,"confidence":0.6357422,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.07023775577545166},{"word":"i","start":710.915,"end":711.075,"confidence":0.99121094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0003168955445289612},{"word":"think","start":711.075,"end":711.475,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.0032166428864002228},{"word":"yours","start":711.475,"end":711.875,"confidence":0.9248047,"punctuated_word":"yours","sentiment":"neutral","sentiment_score":0.005104195326566696},{"word":"clicked","start":711.875,"end":712.195,"confidence":0.7841797,"punctuated_word":"clicked","sentiment":"neutral","sentiment_score":0.013650156557559969},{"word":"off","start":712.195,"end":712.435,"confidence":0.99121094,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.009554453194141388},{"word":"two","start":712.435,"end":712.595,"confidence":0.99902344,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.03329995274543762},{"word":"weeks","start":712.595,"end":712.995,"confidence":1.0,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":-0.008001483976840973},{"word":"ago","start":712.995,"end":713.495,"confidence":0.8642578,"punctuated_word":"ago,","sentiment":"neutral","sentiment_score":-0.0043552350252866745},{"word":"and","start":714.0,"end":714.5,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07857127487659454},{"word":"we","start":714.56,"end":714.72003,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.07182054221630096},{"word":"can't","start":714.72003,"end":714.96,"confidence":1.0,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.06567753851413727},{"word":"make","start":714.96,"end":715.2,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.13592751324176788},{"word":"any","start":715.2,"end":715.44,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.11314021050930025},{"word":"changes","start":715.44,"end":715.76,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.14372475445270538},{"word":"to","start":715.76,"end":715.92,"confidence":0.9526367,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.14398865401744845},{"word":"the","start":715.92,"end":716.08,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09268223494291306},{"word":"account","start":716.08,"end":716.4,"confidence":0.9980469,"punctuated_word":"account","sentiment":"neutral","sentiment_score":-0.07239732146263123},{"word":"unless","start":716.4,"end":716.72003,"confidence":0.9116211,"punctuated_word":"unless","sentiment":"neutral","sentiment_score":-0.10180114954710008},{"word":"we're","start":716.72003,"end":716.96,"confidence":0.96728516,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.053717002272605896},{"word":"listed","start":716.96,"end":717.44,"confidence":0.984375,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":-0.029617801308631897},{"word":"as","start":717.44,"end":717.68,"confidence":0.9941406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.04097708687186241},{"word":"your","start":717.68,"end":717.92,"confidence":0.63720703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.06966143846511841},{"word":"reply","start":717.92,"end":718.42,"confidence":0.72546387,"punctuated_word":"reply.","sentiment":"neutral","sentiment_score":-0.03813552111387253},{"word":"you're","start":720.72003,"end":721.04004,"confidence":0.89697266,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.2145009487867355},{"word":"still","start":721.04004,"end":721.52,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.28260019421577454},{"word":"on","start":721.52,"end":721.84,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2820460796356201},{"word":"the","start":721.84,"end":722.16003,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.323652982711792},{"word":"discounted","start":722.16003,"end":722.66003,"confidence":0.9970703,"punctuated_word":"discounted","sentiment":"neutral","sentiment_score":0.19937723875045776},{"word":"fee","start":722.88,"end":723.12,"confidence":0.98095703,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.21868395805358887},{"word":"structure","start":723.12,"end":723.62,"confidence":1.0,"punctuated_word":"structure","sentiment":"neutral","sentiment_score":0.2146906554698944},{"word":"with","start":723.76,"end":724.16003,"confidence":0.82373047,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.26409468054771423},{"word":"kev","start":724.16003,"end":724.48,"confidence":0.7224121,"punctuated_word":"Kev,","sentiment":"neutral","sentiment_score":0.2768017649650574},{"word":"the","start":724.48,"end":724.72003,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23282858729362488},{"word":"one","start":724.72003,"end":724.88,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.18688556551933289},{"word":"point","start":724.88,"end":725.12,"confidence":1.0,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.17403137683868408},{"word":"1%","start":725.12,"end":725.76,"confidence":0.9995117,"punctuated_word":"1%","sentiment":"neutral","sentiment_score":0.12784762680530548},{"word":"instead","start":725.76,"end":726.08,"confidence":0.96533203,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":0.097177192568779},{"word":"of","start":726.08,"end":726.24,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.125461608171463},{"word":"the","start":726.24,"end":726.4,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1432238668203354},{"word":"one","start":726.4,"end":726.64,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.13168585300445557},{"word":"six","start":726.64,"end":726.96,"confidence":0.9614258,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.10639406740665436},{"word":"five","start":726.96,"end":727.46,"confidence":0.99365234,"punctuated_word":"five.","sentiment":"neutral","sentiment_score":0.14101316034793854},{"word":"we","start":728.655,"end":728.895,"confidence":0.9819336,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.20562133193016052},{"word":"do","start":728.895,"end":729.135,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2178524285554886},{"word":"have","start":729.135,"end":729.375,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.20906983315944672},{"word":"a","start":729.375,"end":729.615,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19471292197704315},{"word":"tiered","start":729.615,"end":730.015,"confidence":0.9741211,"punctuated_word":"tiered","sentiment":"neutral","sentiment_score":0.153408020734787},{"word":"structure","start":730.015,"end":730.415,"confidence":0.9941406,"punctuated_word":"structure","sentiment":"neutral","sentiment_score":0.1496063619852066},{"word":"coming","start":730.415,"end":730.895,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.2056223303079605},{"word":"through","start":730.895,"end":731.395,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.185438871383667},{"word":"next","start":731.695,"end":732.015,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.17609813809394836},{"word":"year","start":732.015,"end":732.515,"confidence":0.798584,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.2242651879787445},{"word":"so","start":732.895,"end":733.395,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.20696353912353516},{"word":"that","start":733.695,"end":733.935,"confidence":0.97998047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22002094984054563},{"word":"will","start":733.935,"end":734.175,"confidence":0.9951172,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2010062634944916},{"word":"basically","start":734.175,"end":734.575,"confidence":0.9863281,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.1757008731365204},{"word":"mean","start":734.575,"end":734.815,"confidence":0.9980469,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.16116662323474884},{"word":"that","start":734.815,"end":734.97504,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15815314650535583},{"word":"the","start":734.97504,"end":735.135,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15038907527923584},{"word":"higher","start":735.135,"end":735.375,"confidence":0.99609375,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":0.14819484949111938},{"word":"the","start":735.375,"end":735.53503,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15106821060180664},{"word":"balance","start":735.53503,"end":735.935,"confidence":0.98168945,"punctuated_word":"balance,","sentiment":"neutral","sentiment_score":0.15338540077209473},{"word":"the","start":735.935,"end":736.09503,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.159724161028862},{"word":"lower","start":736.09503,"end":736.335,"confidence":0.9980469,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.13809514045715332},{"word":"the","start":736.335,"end":736.495,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1576511710882187},{"word":"percentage","start":736.495,"end":736.995,"confidence":1.0,"punctuated_word":"percentage","sentiment":"neutral","sentiment_score":0.18467716872692108},{"word":"goes","start":737.055,"end":737.555,"confidence":0.96875,"punctuated_word":"goes.","sentiment":"neutral","sentiment_score":0.17130917310714722},{"word":"so","start":737.775,"end":738.09503,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.19611027836799624},{"word":"it'll","start":738.09503,"end":738.415,"confidence":0.97924805,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.2135951966047287},{"word":"start","start":738.415,"end":738.655,"confidence":0.99902344,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.22321200370788577},{"word":"actually","start":738.655,"end":739.055,"confidence":0.98828125,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.24183228611946103},{"word":"ticking","start":739.055,"end":739.455,"confidence":0.7583008,"punctuated_word":"ticking","sentiment":"neutral","sentiment_score":0.25922662019729614},{"word":"down","start":739.455,"end":739.695,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.23474033176898956},{"word":"at","start":739.695,"end":739.855,"confidence":0.9863281,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.21144472062587735},{"word":"the","start":739.855,"end":740.09503,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1991107314825058},{"word":"next","start":740.09503,"end":740.415,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.19617043435573575},{"word":"review","start":740.415,"end":740.915,"confidence":0.99121094,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.17317155003547668},{"word":"below","start":741.53503,"end":741.855,"confidence":0.95410156,"punctuated_word":"below","sentiment":"neutral","sentiment_score":0.1532718688249588},{"word":"the","start":741.855,"end":742.015,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11665964126586914},{"word":"1.1","start":742.015,"end":742.735,"confidence":1.0,"punctuated_word":"1.1","sentiment":"neutral","sentiment_score":0.13784700632095337},{"word":"as","start":742.735,"end":742.895,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15655732154846191},{"word":"well","start":742.895,"end":743.37,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.14697319269180298},{"word":"so","start":745.69,"end":746.01,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2457904815673828},{"word":"what","start":746.01,"end":746.17,"confidence":0.9951172,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2038242369890213},{"word":"i'll","start":746.17,"end":746.41,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.22802734375},{"word":"do","start":746.41,"end":746.89,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.22436659038066864},{"word":"is","start":746.89,"end":747.13,"confidence":0.984375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12593767046928406},{"word":"i'm","start":747.13,"end":747.29,"confidence":0.98706055,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.16273003816604614},{"word":"just","start":747.29,"end":747.45,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15891624987125397},{"word":"gonna","start":747.45,"end":747.69,"confidence":0.8540039,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.17131251096725464},{"word":"quickly","start":747.69,"end":748.08997,"confidence":0.99902344,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.20444874465465543},{"word":"get","start":748.08997,"end":748.33,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1573309600353241},{"word":"the","start":748.33,"end":748.49,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15901289880275726},{"word":"document","start":748.49,"end":748.99,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.14610442519187927},{"word":"amended","start":749.05,"end":749.52997,"confidence":1.0,"punctuated_word":"amended","sentiment":"neutral","sentiment_score":0.20759455859661105},{"word":"with","start":749.52997,"end":749.93,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1935408115386963},{"word":"the","start":749.93,"end":750.25,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2265820205211639},{"word":"updated","start":750.25,"end":750.73,"confidence":0.99902344,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.19372645020484924},{"word":"details","start":750.73,"end":751.23,"confidence":0.86938477,"punctuated_word":"details,","sentiment":"neutral","sentiment_score":0.1330564022064209},{"word":"and","start":751.52997,"end":751.77,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10941793769598009},{"word":"then","start":751.77,"end":751.93,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1380823254585266},{"word":"i'll","start":751.93,"end":752.08997,"confidence":0.99902344,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.14474675059318542},{"word":"pretty","start":752.08997,"end":752.33,"confidence":0.99609375,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.18309931457042697},{"word":"much","start":752.33,"end":752.57,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.17679785192012787},{"word":"just","start":752.57,"end":752.81,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1595335155725479},{"word":"email","start":752.81,"end":753.13,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.1360587626695633},{"word":"that","start":753.13,"end":753.37,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16910602152347565},{"word":"through","start":753.37,"end":753.61,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1124853566288948},{"word":"within","start":753.61,"end":753.85,"confidence":1.0,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.11116546392440796},{"word":"the","start":753.85,"end":754.01,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1446915864944458},{"word":"next","start":754.01,"end":754.33,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.09950963407754898},{"word":"half","start":754.33,"end":754.49,"confidence":1.0,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.09488426148891448},{"word":"an","start":754.49,"end":754.65,"confidence":0.97802734,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.099472776055336},{"word":"hour","start":754.65,"end":754.89,"confidence":1.0,"punctuated_word":"hour","sentiment":"neutral","sentiment_score":0.10068202018737792},{"word":"or","start":754.89,"end":755.05,"confidence":0.97265625,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.10751909017562866},{"word":"so","start":755.05,"end":755.55,"confidence":0.99902344,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.12345340847969057},{"word":"amazing","start":760.85504,"end":761.09503,"confidence":0.9880371,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.561596155166626},{"word":"pretty","start":761.09503,"end":761.41504,"confidence":0.99121094,"punctuated_word":"Pretty","sentiment":"positive","sentiment_score":0.5602657198905945},{"word":"much","start":761.41504,"end":761.73505,"confidence":0.92456055,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.3839859068393707},{"word":"and","start":761.73505,"end":761.895,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.18018421530723572},{"word":"it's","start":761.895,"end":762.215,"confidence":0.9941406,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.13532480597496033},{"word":"through","start":762.215,"end":762.615,"confidence":0.99121094,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.10554933547973631},{"word":"our","start":762.615,"end":763.09503,"confidence":0.9597168,"punctuated_word":"our,","sentiment":"neutral","sentiment_score":0.1217031180858612},{"word":"like","start":763.09503,"end":763.41504,"confidence":0.99560547,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.17513763904571533},{"word":"custom","start":763.41504,"end":763.815,"confidence":0.9970703,"punctuated_word":"custom","sentiment":"neutral","sentiment_score":0.23862424492836},{"word":"built","start":763.815,"end":764.135,"confidence":0.9707031,"punctuated_word":"built","sentiment":"neutral","sentiment_score":0.2324647307395935},{"word":"system","start":764.135,"end":764.53503,"confidence":0.99902344,"punctuated_word":"system","sentiment":"neutral","sentiment_score":0.15800835192203522},{"word":"called","start":764.53503,"end":764.85504,"confidence":0.9819336,"punctuated_word":"called","sentiment":"neutral","sentiment_score":0.21367397904396057},{"word":"odoo","start":764.85504,"end":765.35504,"confidence":0.77815753,"punctuated_word":"Odoo.","sentiment":"neutral","sentiment_score":0.1894667148590088},{"word":"just","start":765.575,"end":765.97504,"confidence":0.9970703,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.1704736053943634},{"word":"exactly","start":765.97504,"end":766.375,"confidence":0.9970703,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":0.1656908392906189},{"word":"the","start":766.375,"end":766.53503,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1060974970459938},{"word":"same","start":766.53503,"end":766.775,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.0950513556599617},{"word":"as","start":766.775,"end":766.935,"confidence":0.8457031,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10084009915590286},{"word":"docusign","start":766.935,"end":767.41504,"confidence":0.8901367,"punctuated_word":"DocuSign,","sentiment":"neutral","sentiment_score":0.1094650775194168},{"word":"but","start":767.41504,"end":767.655,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.1574675440788269},{"word":"purple","start":767.655,"end":768.155,"confidence":0.88256836,"punctuated_word":"purple.","sentiment":"neutral","sentiment_score":0.12478189170360564},{"word":"it'll","start":769.07,"end":769.39,"confidence":0.98950195,"punctuated_word":"It'll","sentiment":"neutral","sentiment_score":0.09747233986854552},{"word":"click","start":769.39,"end":769.71,"confidence":0.9970703,"punctuated_word":"click","sentiment":"neutral","sentiment_score":0.08761127293109894},{"word":"you","start":769.71,"end":769.95,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11893676966428755},{"word":"through","start":769.95,"end":770.45,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.07626628875732422},{"word":"to","start":770.51,"end":770.83,"confidence":0.96875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10589370876550674},{"word":"stamp","start":770.83,"end":771.23004,"confidence":0.5488281,"punctuated_word":"stamp","sentiment":"neutral","sentiment_score":0.06771286576986313},{"word":"signatures","start":771.23004,"end":771.73004,"confidence":0.9902344,"punctuated_word":"signatures","sentiment":"neutral","sentiment_score":0.06931668519973755},{"word":"and","start":772.51,"end":773.01,"confidence":0.84814453,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.11237196624279022},{"word":"like","start":773.39,"end":773.79004,"confidence":0.8803711,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1387658715248108},{"word":"dates","start":773.79004,"end":774.03,"confidence":0.98828125,"punctuated_word":"dates","sentiment":"neutral","sentiment_score":0.12261423468589784},{"word":"and","start":774.03,"end":774.27,"confidence":0.9838867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1273971050977707},{"word":"everything","start":774.27,"end":774.59,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.11672750115394592},{"word":"if","start":774.59,"end":774.75,"confidence":0.83251953,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0986381769180298},{"word":"you","start":774.75,"end":774.91003,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0928480327129364},{"word":"just","start":774.91003,"end":775.15,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07431777566671371},{"word":"click","start":775.15,"end":775.39,"confidence":0.99121094,"punctuated_word":"click","sentiment":"neutral","sentiment_score":0.06765031814575195},{"word":"the","start":775.39,"end":775.55005,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10435554385185242},{"word":"button","start":775.55005,"end":776.05005,"confidence":0.7854004,"punctuated_word":"button.","sentiment":"neutral","sentiment_score":0.07961103320121765},{"word":"there","start":776.35004,"end":776.59,"confidence":0.99902344,"punctuated_word":"There","sentiment":"neutral","sentiment_score":0.013005495071411133},{"word":"is","start":776.59,"end":776.75,"confidence":0.9921875,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.021716328337788585},{"word":"a","start":776.75,"end":776.83,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03020130842924118},{"word":"lot","start":776.83,"end":777.07,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.010450879111886024},{"word":"of","start":777.07,"end":777.31,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0007134713232517242},{"word":"extra","start":777.31,"end":777.71,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.0050531066954135895},{"word":"documents","start":777.71,"end":778.19,"confidence":0.9892578,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":-0.00490233488380909},{"word":"that","start":778.19,"end":778.35004,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.003764053806662559},{"word":"are","start":778.35004,"end":778.51,"confidence":0.7861328,"punctuated_word":"are,","sentiment":"neutral","sentiment_score":0.0033966191112995148},{"word":"like","start":778.51,"end":778.67004,"confidence":0.99609375,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0073560141026973724},{"word":"a","start":778.67004,"end":778.83,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.008482725359499454},{"word":"thousand","start":778.83,"end":779.31,"confidence":0.9980469,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.013620495796203612},{"word":"pages","start":779.31,"end":779.71,"confidence":0.99902344,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":0.009610909968614578},{"word":"of","start":779.71,"end":779.95,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01201010588556528},{"word":"product","start":779.95,"end":780.43,"confidence":0.99609375,"punctuated_word":"product","sentiment":"neutral","sentiment_score":0.006919621489942074},{"word":"documents","start":780.43,"end":780.91003,"confidence":0.99609375,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.007256301119923592},{"word":"from","start":780.91003,"end":781.23004,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.01016219612210989},{"word":"suncorp","start":781.23004,"end":781.73004,"confidence":0.96272784,"punctuated_word":"Suncorp","sentiment":"neutral","sentiment_score":0.013526013121008871},{"word":"and","start":781.79004,"end":782.03,"confidence":0.9526367,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0087038679048419},{"word":"hub","start":782.03,"end":782.27,"confidence":0.7583008,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.01470444817095995},{"word":"twenty","start":782.27,"end":782.59,"confidence":0.8964844,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.013427387923002245},{"word":"four","start":782.59,"end":783.09,"confidence":0.9946289,"punctuated_word":"four.","sentiment":"neutral","sentiment_score":0.004102748353034258},{"word":"you","start":783.185,"end":783.26495,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.010133943520486357},{"word":"can","start":783.26495,"end":783.425,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.010025212541222572},{"word":"just","start":783.425,"end":783.58496,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.01213083602488041},{"word":"click","start":783.58496,"end":783.82495,"confidence":1.0,"punctuated_word":"click","sentiment":"neutral","sentiment_score":0.009251131676137447},{"word":"next","start":783.82495,"end":784.14496,"confidence":0.97998047,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.009657936170697212},{"word":"document","start":784.14496,"end":784.545,"confidence":0.94384766,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.007569441571831703},{"word":"you","start":784.545,"end":784.625,"confidence":0.9970703,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.02286934480071068},{"word":"don't","start":784.625,"end":784.865,"confidence":0.9667969,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.007772653363645077},{"word":"have","start":784.865,"end":785.02496,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0066297538578510284},{"word":"to","start":785.02496,"end":785.105,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.018616287037730217},{"word":"scroll","start":785.105,"end":785.425,"confidence":1.0,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":-0.017526643350720406},{"word":"through","start":785.425,"end":785.665,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.008476866409182549},{"word":"all","start":785.665,"end":785.90497,"confidence":0.99609375,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.010021764785051346},{"word":"900","start":785.90497,"end":786.385,"confidence":0.9995117,"punctuated_word":"900","sentiment":"neutral","sentiment_score":0.000666983425617218},{"word":"pages","start":786.385,"end":786.885,"confidence":1.0,"punctuated_word":"pages.","sentiment":"neutral","sentiment_score":-0.007206982001662254},{"word":"the","start":788.865,"end":789.02496,"confidence":0.9921875,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.0024397652596235275},{"word":"only","start":789.02496,"end":789.26495,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.02668769285082817},{"word":"one","start":789.26495,"end":789.425,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.04732368886470795},{"word":"that","start":789.425,"end":789.58496,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05263333395123482},{"word":"i","start":789.58496,"end":789.665,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05745745822787285},{"word":"would","start":789.665,"end":789.90497,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.06046091765165329},{"word":"kind","start":789.90497,"end":790.14496,"confidence":0.97802734,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.0380638912320137},{"word":"of","start":790.14496,"end":790.305,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0629240870475769},{"word":"caution","start":790.305,"end":790.70496,"confidence":0.99902344,"punctuated_word":"caution","sentiment":"neutral","sentiment_score":-0.0889061763882637},{"word":"on","start":790.70496,"end":791.20496,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.07194017618894577},{"word":"is","start":791.665,"end":792.165,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0693366602063179},{"word":"for","start":792.385,"end":792.625,"confidence":0.9482422,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.08515848219394684},{"word":"the","start":792.625,"end":792.865,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07925086468458176},{"word":"suncorp","start":792.865,"end":793.365,"confidence":0.99934894,"punctuated_word":"Suncorp","sentiment":"neutral","sentiment_score":-0.05598060414195061},{"word":"production","start":793.505,"end":794.005,"confidence":0.9892578,"punctuated_word":"production","sentiment":"neutral","sentiment_score":-0.07269950956106186},{"word":"quote","start":794.065,"end":794.565,"confidence":0.8425293,"punctuated_word":"quote,","sentiment":"neutral","sentiment_score":-0.047428712248802185},{"word":"you're","start":794.70496,"end":794.945,"confidence":0.99316406,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.08664967864751816},{"word":"probably","start":794.945,"end":795.345,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.1308521032333374},{"word":"better","start":795.345,"end":795.58496,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.11832324415445328},{"word":"off","start":795.58496,"end":795.745,"confidence":0.99609375,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.08099015802145004},{"word":"just","start":795.745,"end":796.065,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.07927052676677704},{"word":"clicking","start":796.065,"end":796.46497,"confidence":1.0,"punctuated_word":"clicking","sentiment":"neutral","sentiment_score":-0.03841129690408707},{"word":"on","start":796.46497,"end":796.625,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.03818410634994507},{"word":"the","start":796.625,"end":796.785,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05264946073293686},{"word":"signature","start":796.785,"end":797.26495,"confidence":1.0,"punctuated_word":"signature","sentiment":"neutral","sentiment_score":-0.04272473230957985},{"word":"and","start":797.26495,"end":797.505,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0730031430721283},{"word":"drawing","start":797.505,"end":797.82495,"confidence":0.9980469,"punctuated_word":"drawing","sentiment":"neutral","sentiment_score":-0.054400939494371414},{"word":"it","start":797.82495,"end":798.21,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.023214302957057953},{"word":"so","start":798.29004,"end":798.37,"confidence":0.8457031,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.05230442434549332},{"word":"it","start":798.37,"end":798.61005,"confidence":0.9921875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.018264036625623703},{"word":"matches","start":798.61005,"end":798.93,"confidence":1.0,"punctuated_word":"matches","sentiment":"neutral","sentiment_score":-0.03090757131576538},{"word":"your","start":798.93,"end":799.17004,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.038301169872283936},{"word":"id","start":799.17004,"end":799.67004,"confidence":0.99853516,"punctuated_word":"ID.","sentiment":"neutral","sentiment_score":-0.03224372863769531},{"word":"i'm","start":800.85004,"end":801.01,"confidence":0.9199219,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.013853726908564568},{"word":"assuming","start":801.01,"end":801.49005,"confidence":0.96777344,"punctuated_word":"assuming","sentiment":"neutral","sentiment_score":-0.016377413645386696},{"word":"your","start":801.49005,"end":801.73004,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.028692129999399185},{"word":"signature","start":801.73004,"end":802.21,"confidence":1.0,"punctuated_word":"signature","sentiment":"neutral","sentiment_score":-0.03390038385987282},{"word":"won't","start":802.21,"end":802.45,"confidence":0.99902344,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":-0.03517792373895645},{"word":"change","start":802.45,"end":802.95,"confidence":1.0,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.04324374720454216},{"word":"for","start":803.25,"end":803.49005,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.038023367524147034},{"word":"the","start":803.49005,"end":803.57,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.020428931340575215},{"word":"next","start":803.57,"end":803.89,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.012571318075060844},{"word":"id","start":803.89,"end":804.29004,"confidence":0.9902344,"punctuated_word":"ID","sentiment":"neutral","sentiment_score":-0.015992913395166397},{"word":"that","start":804.29004,"end":804.45,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.018960848450660706},{"word":"comes","start":804.45,"end":804.69,"confidence":0.9941406,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":-0.019839627668261528},{"word":"through","start":804.69,"end":805.19,"confidence":0.9577637,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":-0.01893649622797966},{"word":"gotcha","start":823.69,"end":824.17,"confidence":0.84261066,"punctuated_word":"Gotcha.","sentiment":"neutral","sentiment_score":0.0961611270904541},{"word":"perfect","start":824.17,"end":824.57,"confidence":0.99316406,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.2939566969871521},{"word":"perfect","start":824.57,"end":824.89,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.324077308177948},{"word":"perfect","start":824.89,"end":825.37,"confidence":0.9995117,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.43053972721099854},{"word":"alright","start":825.37,"end":825.87,"confidence":0.9946289,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.26545649766921997},{"word":"so","start":825.93,"end":826.43,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2030976414680481},{"word":"i'll","start":826.73,"end":826.89,"confidence":0.9519043,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2224206775426865},{"word":"get","start":826.89,"end":827.05,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.19666799902915957},{"word":"that","start":827.05,"end":827.29,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2372709959745407},{"word":"through","start":827.29,"end":827.52997,"confidence":0.98291016,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.21670818328857425},{"word":"in","start":827.52997,"end":827.61,"confidence":0.98828125,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2444225400686264},{"word":"the","start":827.61,"end":827.77,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.262643426656723},{"word":"next","start":827.77,"end":828.01,"confidence":0.9980469,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.25543105602264404},{"word":"half","start":828.01,"end":828.17,"confidence":0.99609375,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.2549354135990143},{"word":"an","start":828.17,"end":828.33,"confidence":0.89990234,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.24412599205970764},{"word":"hour","start":828.33,"end":828.57,"confidence":1.0,"punctuated_word":"hour","sentiment":"neutral","sentiment_score":0.23986144363880155},{"word":"or","start":828.57,"end":828.65,"confidence":0.6333008,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.27422797679901123},{"word":"so","start":828.65,"end":829.05,"confidence":0.99853516,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.22214102745056152},{"word":"do","start":829.05,"end":829.29,"confidence":0.9941406,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.08266083151102066},{"word":"you","start":829.29,"end":829.45,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09779632836580276},{"word":"have","start":829.45,"end":829.77,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09321779012680054},{"word":"any","start":829.77,"end":830.09,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.08236683905124664},{"word":"questions","start":830.09,"end":830.57,"confidence":0.9980469,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.07710031419992447},{"word":"for","start":830.57,"end":830.65,"confidence":0.85498047,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05884642153978348},{"word":"me","start":830.65,"end":831.15,"confidence":0.9909668,"punctuated_word":"me?","sentiment":"neutral","sentiment_score":0.08400236070156097},{"word":"so","start":834.985,"end":835.22504,"confidence":0.38012695,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.20945605635643005},{"word":"if","start":835.22504,"end":835.305,"confidence":0.9873047,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.18409883975982663},{"word":"you","start":835.305,"end":835.465,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18916061520576477},{"word":"go","start":835.465,"end":835.625,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1725400537252426},{"word":"through","start":835.625,"end":835.78503,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.18449445068836212},{"word":"that","start":835.78503,"end":836.025,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19477713108062744},{"word":"advice","start":836.025,"end":836.34503,"confidence":0.96972656,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.1436268836259842},{"word":"document","start":836.34503,"end":836.745,"confidence":0.9941406,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.14921754598617554},{"word":"and","start":836.745,"end":836.905,"confidence":0.91748047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16853776574134827},{"word":"you","start":836.905,"end":837.065,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19346027076244351},{"word":"do","start":837.065,"end":837.22504,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.19047999382019043},{"word":"have","start":837.22504,"end":837.385,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.19440358877182007},{"word":"any","start":837.385,"end":837.625,"confidence":0.9980469,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.20248067378997803},{"word":"questions","start":837.625,"end":838.10504,"confidence":0.9980469,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.15067975223064425},{"word":"please","start":838.10504,"end":838.425,"confidence":1.0,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.14282181859016418},{"word":"just","start":838.425,"end":838.585,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.19185751676559448},{"word":"give","start":838.585,"end":838.745,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.15991604328155518},{"word":"us","start":838.745,"end":838.985,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.18259446322917935},{"word":"a","start":838.985,"end":839.145,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19517213106155396},{"word":"call","start":839.145,"end":839.545,"confidence":0.9970703,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":0.19313472509384155},{"word":"i'm","start":839.545,"end":839.705,"confidence":1.0,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.4425400197505951},{"word":"happy","start":839.705,"end":840.025,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.5055198073387146},{"word":"to","start":840.025,"end":840.185,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.422230064868927},{"word":"jump","start":840.185,"end":840.34503,"confidence":1.0,"punctuated_word":"jump","sentiment":"positive","sentiment_score":0.4211035370826721},{"word":"on","start":840.34503,"end":840.585,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.42392128705978394},{"word":"and","start":840.585,"end":840.745,"confidence":0.9980469,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3584798574447632},{"word":"sort","start":840.745,"end":840.985,"confidence":0.99609375,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.4207828640937805},{"word":"of","start":840.985,"end":841.145,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3921317160129547},{"word":"explain","start":841.145,"end":841.625,"confidence":1.0,"punctuated_word":"explain","sentiment":"positive","sentiment_score":0.38348546624183655},{"word":"the","start":841.625,"end":841.78503,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20320938527584076},{"word":"pros","start":841.78503,"end":842.10504,"confidence":0.99902344,"punctuated_word":"pros","sentiment":"neutral","sentiment_score":0.1126248687505722},{"word":"and","start":842.10504,"end":842.265,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16281971335411072},{"word":"cons","start":842.265,"end":842.585,"confidence":1.0,"punctuated_word":"cons","sentiment":"neutral","sentiment_score":0.13232482969760895},{"word":"to","start":842.585,"end":842.745,"confidence":0.97314453,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3339366316795349},{"word":"you","start":842.745,"end":843.245,"confidence":0.9658203,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.34046369791030884},{"word":"but","start":843.705,"end":843.945,"confidence":0.7849121,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.13770389556884766},{"word":"again","start":843.945,"end":844.445,"confidence":1.0,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.20383334159851071},{"word":"pretty","start":844.825,"end":845.145,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.32285821437835693},{"word":"straightforward","start":845.145,"end":845.645,"confidence":0.743042,"punctuated_word":"straightforward.","sentiment":"neutral","sentiment_score":0.05277876928448677},{"word":"update","start":845.865,"end":846.265,"confidence":0.99609375,"punctuated_word":"Update","sentiment":"neutral","sentiment_score":0.2885400652885437},{"word":"the","start":846.265,"end":846.425,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26837360858917236},{"word":"portfolio","start":846.425,"end":846.925,"confidence":0.91552734,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.20810601115226743},{"word":"get","start":846.985,"end":847.22504,"confidence":0.99902344,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.3451884388923645},{"word":"the","start":847.22504,"end":847.385,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25996464490890503},{"word":"performance","start":847.385,"end":847.885,"confidence":1.0,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.3030838370323181},{"word":"back","start":847.945,"end":848.185,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.25997254252433777},{"word":"on","start":848.185,"end":848.425,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.35738614201545715},{"word":"track","start":848.425,"end":848.91,"confidence":0.98168945,"punctuated_word":"track,","sentiment":"neutral","sentiment_score":0.22839497029781344},{"word":"move","start":849.06995,"end":849.31,"confidence":0.9902344,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.3173530697822571},{"word":"some","start":849.31,"end":849.62994,"confidence":0.9970703,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.2190169394016266},{"word":"funds","start":849.62994,"end":849.94995,"confidence":0.9980469,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.24794086813926697},{"word":"around","start":849.94995,"end":850.26996,"confidence":0.98217773,"punctuated_word":"around,","sentiment":"neutral","sentiment_score":0.2176968455314636},{"word":"reduce","start":850.26996,"end":850.67,"confidence":0.90771484,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.17460262775421145},{"word":"some","start":850.67,"end":850.91,"confidence":0.94628906,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1351858377456665},{"word":"fees","start":850.91,"end":851.14996,"confidence":0.9526367,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.12344631552696228},{"word":"and","start":851.14996,"end":851.38995,"confidence":0.8041992,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14063704013824463},{"word":"insurances","start":851.38995,"end":851.88995,"confidence":0.97477216,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":0.121693953871727},{"word":"and","start":852.19,"end":852.43,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12589946389198303},{"word":"update","start":852.43,"end":852.93,"confidence":0.9770508,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.18177108466625216},{"word":"the","start":852.99,"end":853.49,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20917218923568728},{"word":"estate","start":853.55,"end":854.02997,"confidence":0.65283203,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.2355969250202179},{"word":"plan","start":854.02997,"end":854.52997,"confidence":0.98657227,"punctuated_word":"plan.","sentiment":"neutral","sentiment_score":0.20494616031646729},{"word":"amazing","start":857.23,"end":857.62994,"confidence":0.88549805,"punctuated_word":"Amazing,","sentiment":"positive","sentiment_score":0.8900693655014038},{"word":"laura","start":857.62994,"end":857.94995,"confidence":0.9794922,"punctuated_word":"Laura.","sentiment":"positive","sentiment_score":0.8615209460258484},{"word":"i'll","start":857.94995,"end":858.11,"confidence":0.98339844,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.8324028253555298},{"word":"send","start":858.11,"end":858.35,"confidence":0.9951172,"punctuated_word":"send","sentiment":"positive","sentiment_score":0.8556721210479736},{"word":"that","start":858.35,"end":858.50995,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.7635639905929565},{"word":"through","start":858.50995,"end":858.82996,"confidence":0.99902344,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.7702248096466064},{"word":"soon","start":858.82996,"end":859.14996,"confidence":0.9614258,"punctuated_word":"soon,","sentiment":"positive","sentiment_score":0.7042528986930847},{"word":"and","start":859.14996,"end":859.38995,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6960853338241577},{"word":"you","start":859.38995,"end":859.62994,"confidence":0.99609375,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8359966278076172},{"word":"have","start":859.62994,"end":859.79,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.814987063407898},{"word":"a","start":859.79,"end":859.94995,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.790367841720581},{"word":"fantastic","start":859.94995,"end":860.44995,"confidence":1.0,"punctuated_word":"fantastic","sentiment":"positive","sentiment_score":0.8597179651260376},{"word":"day","start":860.67,"end":861.17,"confidence":0.99902344,"punctuated_word":"day.","sentiment":"positive","sentiment_score":0.7956000566482544},{"word":"thank","start":864.3209,"end":864.5609,"confidence":0.9892578,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7651116251945496},{"word":"you","start":864.5609,"end":865.04095,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.7639976739883423},{"word":"bye","start":865.04095,"end":865.54095,"confidence":0.9980469,"punctuated_word":"Bye.","sentiment":"positive","sentiment_score":0.45722708106040955}],"paragraphs":{"transcript":"\nGood afternoon, Laurie. It's Tommy here, senior adviser of Oakview. How are you doing today? Living the dream so far. The sun's finally come out today.\n\nWhat about your end? Look, it was a fun watch, I've got to admit. And I they did have a few good chances there, but we do have three Scotsman in the office there, and they were not having the best time. Yeah. I do appreciate you taking a bit of time with me today.\n\nI have a bit of an updated advice discussion to go through with you. Do you have a bit of time this afternoon? Yep. Yep. Perfect.\n\nYep. Yep. Just come back to that. Let all the legislation settle down a little bit. Yep.\n\nYep. Perfect. So it's more than our end of few things that we wanted to look at changing. And if everything else has been pretty stable, I'm notated to kind of let the file take over and and let things play out. Now I do have a bit of an updated advice document that I wanna send through to you if that's okay.\n\nCool. So what I'll do is just because it is obviously personal information, just wanna do the quick security check. And do you remember your client password? Perfect. Perfect.\n\nThat's a nice and easy one. Now will you then look onto this email with me, or would you be okay to just review these documents afterwards? Yep. Perfect. So what's kind of coming through to you is you had a bit of a discussion last year, and there's been quite a few changes in the industry as you've seen, not just but markets, global events, and so on.\n\nSo I'm wanting to update a couple of the investments inside the super just to do a bit of an engine, sure enough, realistically. Now what that basically means is that most of the investments in five or two, but they're looking pretty good. There's one that's been a bit of a drag on there, which is a Ben along Australian shares option, which hasn't kind of bounced back the way we thought it would after the drop in March. It's kind of still been dragging its feet, if that makes sense. So I've kind of put together a few updates where I wanna just kind of replace that one like for like.\n\nIt'll be a little bit less in fees, much better performance, but it's not gonna fundamentally change how we're investing. It's just, again, a bit of a tune up on the engine. Now outside of that, you did have a discussion with one of my colleagues about potentially reducing the Suncorp life insurance to get the fees down a little bit. Does that ring a bell? It does.\n\nIt does. And I think based on that conversation, there was a few priorities, and I really like how you how you worded it. And it's like a bit of a priority to pay off the mortgage, of course, but also even just having that sort of five years of income replacement for some grazing time until the kids are 18. Does that sort of ring a bell? Yeah.\n\nSo one of the things that you could do is because there's $2,000,000 in life insurance with Suncorp and another 430,000 with QSuper, we calculated that you only really needed around about 1.2, 1.4 all up, and you're kind of quite over insured just based on that calculation. So one of the things that we did do a bit of a reduction quote with them just to get some updated figures, And you could drop it from, say, 2,000,000 to, say, 850,000, and that'd kind of half the premiums from about 1,200 to $6.50, around about. But I do wanna be guided by you in in that that's our calculation on what your needs are, but it is about how much you feel that you guys need as well. Yeah. Yeah.\n\nSo what I'm including in these documents is I do have a reduction quote, and we can kind of help action that a little bit as well just to speed up the process. Cool. So the only other thing to cover off on is just with the q super, that's grown quite a bit now with the contribution. So if you ring remember, we usually do a bit of a top up rollover across just to get the money into the main portfolio. I definitely don't wanna replace it right now because it is does have the the TPD cover as well, the disability cover.\n\nAnd I don't wanna replace that with something that may give you, like, a back exclusion or something that you can't claim on. Now I guess the good thing too is Qsu has kept their fees pretty low. So to maintain the account, it's only, like, 70 something dollars flat fee a year, and everything else is kind of percentage based. So it's not really putting a huge anchor on the growth, if that makes sense. Cool.\n\nYes. Yeah. And even the Suncorp wasn't too expensive. Like, I've seen some policies floating $3.04, 5,000. But if that was something where you do wanna save a bit, a bit of a trim down could be okay.\n\nK. So what I might do is I might send through these documents to your Gmail account. It's going to include statement of advice just showing the portfolio switch, the rollover, and the investment sorry, insurance reduction. And just make sure you're comfortable with all of that. So I am gonna pop that through to you.\n\nDo you mind if I just quickly update a couple of those details you mentioned at the start of the call? So you're still at the same address in Mooresland, I believe. Yep. Perfect. And have they changed your income much from I think it was about 120,000.\n\nYeah. That's good. Yep. And in terms of the home, you said you just done that refinance there. I think last check, we had about 1 and a half mil value, $7.30 owing, and a bid in the offset account as well.\n\nYeah. Yep. Perfect. And I think you had a a Tesla listed there as well with a bit of debt owing on that one. Yep.\n\nCool. So I think I'll put that around the 80 mark for that one. Outside of that, I think everything's looking pretty good. Didn't end up getting, like, a actually, were you pretty close to putting a will in place? Yeah.\n\nThat's okay. And I'm I'll put the usual reminder in the advice document about wills and powers of attorney. Again, through the unions is pretty cool. The the old post office will kit, though it's legal, they're pretty basic. And besides so the basic ones, they are, like, government approved.\n\nThat's why those posters are allowed to sell them. But outside of, like, you know, this is where the home and the cash goes, you're you're not gonna be setting up, like, a testament through trust for the kids or anything like that. Yep. Easy done. And we wanted to update beneficiaries on the super accounts and just make sure everything's going where it should be.\n\nAre you just wanting to make sure that Kev gets pretty much all the super, all the life insurance, just all of it? So so I might get my admin, Michelle, just to send through some beneficiary forms. At least that's pretty easy. It's just to get them witnessed by two adults who aren't. And would you like them to be, like, continuous for non lacing, or do you want it to expire every three years?\n\nYeah. Perfect. Yep. Yeah. That's easy.\n\nDone. And are you okay for them to be kind of emailed and printed, or would you like them to post it? Yep. Beautiful. So what I'll do is I've also just included the updated service agreement as well because I think yours clicked off two weeks ago, and we can't make any changes to the account unless we're listed as your reply.\n\nYou're still on the discounted fee structure with Kev, the one point 1% instead of the one six five. We do have a tiered structure coming through next year. So that will basically mean that the higher the balance, the lower the percentage goes. So it'll start actually ticking down at the next review below the 1.1 as well. So what I'll do is I'm just gonna quickly get the document amended with the updated details, and then I'll pretty much just email that through within the next half an hour or so.\n\nAmazing. Pretty much. And it's through our, like, custom built system called Odoo. Just exactly the same as DocuSign, but purple. It'll click you through to stamp signatures and, like, dates and everything if you just click the button.\n\nThere is a lot of extra documents that are, like, a thousand pages of product documents from Suncorp and Hub twenty four. You can just click next document. You don't have to scroll through all 900 pages. The only one that I would kind of caution on is for the Suncorp production quote, you're probably better off just clicking on the signature and drawing it so it matches your ID. I'm assuming your signature won't change for the next ID that comes through.\n\nGotcha. Perfect. Perfect. Perfect. Alright.\n\nSo I'll get that through in the next half an hour or so. Do you have any questions for me? So if you go through that advice document and you do have any questions, please just give us a call. I'm happy to jump on and sort of explain the pros and cons to you. But, again, pretty straightforward.\n\nUpdate the portfolio, get the performance back on track, move some funds around, reduce some fees and insurances, and update the estate plan. Amazing, Laura. I'll send that through soon, and you have a fantastic day. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Laurie.","start":3.52,"end":4.56,"sentiment":"neutral","sentiment_score":0.20489811897277832},{"text":"It's Tommy here, senior adviser of Oakview.","start":4.56,"end":6.56,"sentiment":"neutral","sentiment_score":0.11126239278486796},{"text":"How are you doing today?","start":6.56,"end":7.7,"sentiment":"neutral","sentiment_score":0.1850353956222534},{"text":"Living the dream so far.","start":10.24,"end":11.5199995,"sentiment":"positive","sentiment_score":0.44199965000152586},{"text":"The sun's finally come out today.","start":11.5199995,"end":13.04,"sentiment":"neutral","sentiment_score":0.3057078843315442}],"sentiment":"neutral","sentiment_score":0.24472898617386818,"num_words":26,"start":3.52,"end":13.04},{"sentences":[{"text":"What about your end?","start":13.04,"end":14.085,"sentiment":"neutral","sentiment_score":0.05766118597239256},{"text":"Look, it was a fun watch, I've got to admit.","start":21.365,"end":24.325,"sentiment":"neutral","sentiment_score":0.2977650187909603},{"text":"And I they did have a few good chances there, but we do have three Scotsman in the office there, and they were not having the best time.","start":24.325,"end":31.9,"sentiment":"neutral","sentiment_score":-0.16981967072933912},{"text":"Yeah.","start":34.44,"end":34.6,"sentiment":"neutral","sentiment_score":0.0728791207075119},{"text":"I do appreciate you taking a bit of time with me today.","start":34.6,"end":37.18,"sentiment":"neutral","sentiment_score":0.28788091242313385}],"sentiment":"neutral","sentiment_score":0.03601444038477811,"num_words":55,"start":13.04,"end":37.18},{"sentences":[{"text":"I have a bit of an updated advice discussion to go through with you.","start":37.8,"end":41.32,"sentiment":"neutral","sentiment_score":0.12771970938358987},{"text":"Do you have a bit of time this afternoon?","start":41.32,"end":49.0325,"sentiment":"neutral","sentiment_score":0.002220237006743749},{"text":"Yep.","start":55.98,"end":56.38,"sentiment":"neutral","sentiment_score":0.0031283411663025618},{"text":"Yep.","start":56.38,"end":56.88,"sentiment":"neutral","sentiment_score":0.015774913132190704},{"text":"Perfect.","start":64.3,"end":64.8,"sentiment":"neutral","sentiment_score":0.12571972608566284}],"sentiment":"neutral","sentiment_score":0.07510311710827339,"num_words":26,"start":37.8,"end":64.8},{"sentences":[{"text":"Yep.","start":83.04,"end":83.36,"sentiment":"neutral","sentiment_score":0.02398710511624813},{"text":"Yep.","start":83.36,"end":83.68,"sentiment":"neutral","sentiment_score":0.016221385449171066},{"text":"Just come back to that.","start":83.68,"end":84.4,"sentiment":"neutral","sentiment_score":-0.008229850232601166},{"text":"Let all the legislation settle down a little bit.","start":84.4,"end":87.06,"sentiment":"neutral","sentiment_score":-0.0029365174058410856},{"text":"Yep.","start":94.165,"end":94.485,"sentiment":"neutral","sentiment_score":0.025399308651685715}],"sentiment":"neutral","sentiment_score":-0.00011588874108651105,"num_words":17,"start":83.04,"end":94.485},{"sentences":[{"text":"Yep.","start":94.485,"end":94.985,"sentiment":"neutral","sentiment_score":0.018892740830779076},{"text":"Perfect.","start":99.125,"end":99.604996,"sentiment":"neutral","sentiment_score":0.07761245965957642},{"text":"So it's more than our end of few things that we wanted to look at changing.","start":99.604996,"end":103.704994,"sentiment":"neutral","sentiment_score":0.06904773111455142},{"text":"And if everything else has been pretty stable, I'm notated to kind of let the file take over and and let things play out.","start":104.085,"end":112.23,"sentiment":"neutral","sentiment_score":0.20645079823831716},{"text":"Now I do have a bit of an updated advice document that I wanna send through to you if that's okay.","start":113.25,"end":118.310005,"sentiment":"neutral","sentiment_score":0.12974158958310172}],"sentiment":"neutral","sentiment_score":0.14096287995695123,"num_words":63,"start":94.485,"end":118.310005},{"sentences":[{"text":"Cool.","start":119.97,"end":120.29,"sentiment":"neutral","sentiment_score":0.28321337699890137},{"text":"So what I'll do is just because it is obviously personal information, just wanna do the quick security check.","start":120.29,"end":125.66499,"sentiment":"neutral","sentiment_score":0.11315791857870001},{"text":"And do you remember your client password?","start":125.80499,"end":128.385,"sentiment":"neutral","sentiment_score":0.038033844637019296},{"text":"Perfect.","start":131.00499,"end":131.485,"sentiment":"positive","sentiment_score":0.6906766295433044},{"text":"Perfect.","start":131.485,"end":131.805,"sentiment":"positive","sentiment_score":0.7734347581863403}],"sentiment":"neutral","sentiment_score":0.14357110793734418,"num_words":29,"start":119.97,"end":131.805},{"sentences":[{"text":"That's a nice and easy one.","start":131.805,"end":133.265,"sentiment":"positive","sentiment_score":0.7913086116313934},{"text":"Now will you then look onto this email with me, or would you be okay to just review these documents afterwards?","start":133.965,"end":142.73999,"sentiment":"neutral","sentiment_score":0.10608360313233875},{"text":"Yep.","start":142.8,"end":143.2,"sentiment":"neutral","sentiment_score":0.15552978217601776},{"text":"Perfect.","start":143.2,"end":143.7,"sentiment":"neutral","sentiment_score":0.31063634157180786},{"text":"So what's kind of coming through to you is you had a bit of a discussion last year, and there's been quite a few changes in the industry as you've seen, not just but markets, global events, and so on.","start":143.76,"end":155.685,"sentiment":"neutral","sentiment_score":0.04160906756296754}],"sentiment":"neutral","sentiment_score":0.1319729878526667,"num_words":69,"start":131.805,"end":155.685},{"sentences":[{"text":"So I'm wanting to update a couple of the investments inside the super just to do a bit of an engine, sure enough, realistically.","start":155.825,"end":162.805,"sentiment":"neutral","sentiment_score":0.049127514862144984},{"text":"Now what that basically means is that most of the investments in five or two, but they're looking pretty good.","start":164.94,"end":169.84,"sentiment":"neutral","sentiment_score":0.039743670634925364},{"text":"There's one that's been a bit of a drag on there, which is a Ben along Australian shares option, which hasn't kind of bounced back the way we thought it would after the drop in March.","start":169.9,"end":180.855,"sentiment":"neutral","sentiment_score":-0.23136619188719326},{"text":"It's kind of still been dragging its feet, if that makes sense.","start":180.855,"end":183.835,"sentiment":"neutral","sentiment_score":-0.2534043105940024},{"text":"So I've kind of put together a few updates where I wanna just kind of replace that one like for like.","start":185.575,"end":191.19,"sentiment":"neutral","sentiment_score":-0.03443498288591703}],"sentiment":"neutral","sentiment_score":-0.08955075669275449,"num_words":113,"start":155.825,"end":191.19},{"sentences":[{"text":"It'll be a little bit less in fees, much better performance, but it's not gonna fundamentally change how we're investing.","start":191.35,"end":198.95,"sentiment":"neutral","sentiment_score":-0.017615421721711755},{"text":"It's just, again, a bit of a tune up on the engine.","start":198.95,"end":201.61,"sentiment":"neutral","sentiment_score":-0.04136148886755109},{"text":"Now outside of that, you did have a discussion with one of my colleagues about potentially reducing the Suncorp life insurance to get the fees down a little bit.","start":203.645,"end":213.325,"sentiment":"neutral","sentiment_score":0.16742710409493283},{"text":"Does that ring a bell?","start":213.325,"end":214.465,"sentiment":"neutral","sentiment_score":0.051982270926237105},{"text":"It does.","start":255.375,"end":255.77501,"sentiment":"neutral","sentiment_score":0.1345147304236889}],"sentiment":"neutral","sentiment_score":0.06670118431451127,"num_words":68,"start":191.35,"end":255.77501},{"sentences":[{"text":"It does.","start":255.77501,"end":256.255,"sentiment":"neutral","sentiment_score":0.19595544785261154},{"text":"And I think based on that conversation, there was a few priorities, and I really like how you how you worded it.","start":256.255,"end":262.73502,"sentiment":"neutral","sentiment_score":0.3002348311922767},{"text":"And it's like a bit of a priority to pay off the mortgage, of course, but also even just having that sort of five years of income replacement for some grazing time until the kids are 18.","start":262.73502,"end":273.38,"sentiment":"neutral","sentiment_score":0.10641069408204104},{"text":"Does that sort of ring a bell?","start":273.52,"end":274.97998,"sentiment":"neutral","sentiment_score":0.005770059302449226},{"text":"Yeah.","start":276.4,"end":276.8,"sentiment":"neutral","sentiment_score":0.08169770240783691}],"sentiment":"neutral","sentiment_score":0.16023711565935958,"num_words":69,"start":255.77501,"end":276.8},{"sentences":[{"text":"So one of the things that you could do is because there's $2,000,000 in life insurance with Suncorp and another 430,000 with QSuper, we calculated that you only really needed around about 1.2, 1.4 all up, and you're kind of quite over insured just based on that calculation.","start":276.8,"end":300.21,"sentiment":"neutral","sentiment_score":-0.0446349080108727},{"text":"So one of the things that we did do a bit of a reduction quote with them just to get some updated figures, And you could drop it from, say, 2,000,000 to, say, 850,000, and that'd kind of half the premiums from about 1,200 to $6.50, around about.","start":302.43,"end":320.485,"sentiment":"neutral","sentiment_score":0.08784235498689591},{"text":"But I do wanna be guided by you in in that that's our calculation on what your needs are, but it is about how much you feel that you guys need as well.","start":321.04,"end":330.66,"sentiment":"neutral","sentiment_score":0.17365273901007391},{"text":"Yeah.","start":342.92502,"end":343.42502,"sentiment":"neutral","sentiment_score":0.2595183253288269},{"text":"Yeah.","start":352.21,"end":352.71,"sentiment":"neutral","sentiment_score":0.29097458720207214}],"sentiment":"neutral","sentiment_score":0.06359344922865813,"num_words":131,"start":276.8,"end":352.71},{"sentences":[{"text":"So what I'm including in these documents is I do have a reduction quote, and we can kind of help action that a little bit as well just to speed up the process.","start":353.01,"end":362.23,"sentiment":"positive","sentiment_score":0.39336367357860913},{"text":"Cool.","start":364.39502,"end":364.795,"sentiment":"positive","sentiment_score":0.6624833345413208},{"text":"So the only other thing to cover off on is just with the q super, that's grown quite a bit now with the contribution.","start":364.795,"end":371.775,"sentiment":"neutral","sentiment_score":0.21637553752710423},{"text":"So if you ring remember, we usually do a bit of a top up rollover across just to get the money into the main portfolio.","start":372.155,"end":379.31998,"sentiment":"neutral","sentiment_score":0.09314085274934769},{"text":"I definitely don't wanna replace it right now because it is does have the the TPD cover as well, the disability cover.","start":381.3,"end":389.8,"sentiment":"neutral","sentiment_score":-0.04127801522951235}],"sentiment":"neutral","sentiment_score":0.1929228804473366,"num_words":105,"start":353.01,"end":389.8},{"sentences":[{"text":"And I don't wanna replace that with something that may give you, like, a back exclusion or something that you can't claim on.","start":390.255,"end":397.475,"sentiment":"neutral","sentiment_score":-0.17529270004319109},{"text":"Now I guess the good thing too is Qsu has kept their fees pretty low.","start":399.61502,"end":404.195,"sentiment":"positive","sentiment_score":0.356960067152977},{"text":"So to maintain the account, it's only, like, 70 something dollars flat fee a year, and everything else is kind of percentage based.","start":404.61,"end":412.37,"sentiment":"neutral","sentiment_score":0.25713481592095416},{"text":"So it's not really putting a huge anchor on the growth, if that makes sense.","start":412.37,"end":416.63,"sentiment":"neutral","sentiment_score":0.21476972500483196},{"text":"Cool.","start":418.635,"end":419.135,"sentiment":"neutral","sentiment_score":0.0359308086335659}],"sentiment":"neutral","sentiment_score":0.1362889137167435,"num_words":77,"start":390.255,"end":419.135},{"sentences":[{"text":"Yes.","start":435.61002,"end":436.11002,"sentiment":"neutral","sentiment_score":0.044316112995147705},{"text":"Yeah.","start":442.745,"end":443.145,"sentiment":"neutral","sentiment_score":0.038436710834503174},{"text":"And even the Suncorp wasn't too expensive.","start":443.145,"end":445.485,"sentiment":"neutral","sentiment_score":0.06523552962711879},{"text":"Like, I've seen some policies floating $3.04, 5,000.","start":445.54498,"end":448.845,"sentiment":"neutral","sentiment_score":0.059999475721269846},{"text":"But if that was something where you do wanna save a bit, a bit of a trim down could be okay.","start":449.305,"end":455.405,"sentiment":"neutral","sentiment_score":0.14439644345215388}],"sentiment":"neutral","sentiment_score":0.10662428024960191,"num_words":38,"start":435.61002,"end":455.405},{"sentences":[{"text":"K.","start":457.73,"end":458.23,"sentiment":"neutral","sentiment_score":0.237782821059227},{"text":"So what I might do is I might send through these documents to your Gmail account.","start":458.29,"end":462.95,"sentiment":"neutral","sentiment_score":0.1709512760862708},{"text":"It's going to include statement of advice just showing the portfolio switch, the rollover, and the investment sorry, insurance reduction.","start":463.73,"end":473.015,"sentiment":"neutral","sentiment_score":0.13484240379184484},{"text":"And just make sure you're comfortable with all of that.","start":473.475,"end":476.135,"sentiment":"neutral","sentiment_score":0.27406041622161864},{"text":"So I am gonna pop that through to you.","start":476.195,"end":478.45502,"sentiment":"neutral","sentiment_score":0.19703029261695015}],"sentiment":"neutral","sentiment_score":0.18185228767937847,"num_words":56,"start":457.73,"end":478.45502},{"sentences":[{"text":"Do you mind if I just quickly update a couple of those details you mentioned at the start of the call?","start":478.995,"end":483.54,"sentiment":"neutral","sentiment_score":0.09016732002298038},{"text":"So you're still at the same address in Mooresland, I believe.","start":486.74002,"end":491.56,"sentiment":"neutral","sentiment_score":0.0675050558691675},{"text":"Yep.","start":494.98,"end":495.38,"sentiment":"neutral","sentiment_score":0.16091303527355194},{"text":"Perfect.","start":495.38,"end":495.88,"sentiment":"neutral","sentiment_score":0.31454572081565857},{"text":"And have they changed your income much from I think it was about 120,000.","start":496.885,"end":500.805,"sentiment":"neutral","sentiment_score":0.0791075306811503}],"sentiment":"neutral","sentiment_score":0.08789653168059886,"num_words":48,"start":478.995,"end":500.805},{"sentences":[{"text":"Yeah.","start":500.805,"end":501.04498,"sentiment":"neutral","sentiment_score":0.19587594270706177},{"text":"That's good.","start":501.04498,"end":501.785,"sentiment":"neutral","sentiment_score":0.256862036883831},{"text":"Yep.","start":507.04498,"end":507.54498,"sentiment":"neutral","sentiment_score":0.05854783207178116},{"text":"And in terms of the home, you said you just done that refinance there.","start":507.685,"end":511.33002,"sentiment":"neutral","sentiment_score":0.038047793986541886},{"text":"I think last check, we had about 1 and a half mil value, $7.30 owing, and a bid in the offset account as well.","start":511.33002,"end":518.87,"sentiment":"neutral","sentiment_score":0.030728290711219113}],"sentiment":"neutral","sentiment_score":0.04853085574827024,"num_words":42,"start":500.805,"end":518.87},{"sentences":[{"text":"Yeah.","start":544.75,"end":545.25,"sentiment":"neutral","sentiment_score":0.001249836292117834},{"text":"Yep.","start":546.445,"end":546.945,"sentiment":"neutral","sentiment_score":0.01789052039384842},{"text":"Perfect.","start":555.005,"end":555.505,"sentiment":"positive","sentiment_score":0.5715246200561523},{"text":"And I think you had a a Tesla listed there as well with a bit of debt owing on that one.","start":555.725,"end":560.625,"sentiment":"neutral","sentiment_score":0.20407560467720032},{"text":"Yep.","start":562.92,"end":563.24,"sentiment":"neutral","sentiment_score":0.2207547277212143}],"sentiment":"neutral","sentiment_score":0.2038802961073816,"num_words":25,"start":544.75,"end":563.24},{"sentences":[{"text":"Cool.","start":563.24,"end":563.48,"sentiment":"positive","sentiment_score":0.3796614408493042},{"text":"So I think I'll put that around the 80 mark for that one.","start":563.48,"end":567.18,"sentiment":"neutral","sentiment_score":0.3079240390887627},{"text":"Outside of that, I think everything's looking pretty good.","start":569.32,"end":572.22003,"sentiment":"positive","sentiment_score":0.5744959513346354},{"text":"Didn't end up getting, like, a actually, were you pretty close to putting a will in place?","start":572.60004,"end":576.935,"sentiment":"neutral","sentiment_score":-0.0378347326289205},{"text":"Yeah.","start":595.97,"end":596.47,"sentiment":"neutral","sentiment_score":0.0323258712887764}],"sentiment":"neutral","sentiment_score":0.21810421774663577,"num_words":41,"start":563.24,"end":596.47},{"sentences":[{"text":"That's okay.","start":596.76996,"end":597.57,"sentiment":"neutral","sentiment_score":0.06291504204273224},{"text":"And I'm I'll put the usual reminder in the advice document about wills and powers of attorney.","start":597.57,"end":603.17505,"sentiment":"neutral","sentiment_score":0.04100233568426441},{"text":"Again, through the unions is pretty cool.","start":603.635,"end":605.655,"sentiment":"neutral","sentiment_score":0.213753201599632},{"text":"The the old post office will kit, though it's legal, they're pretty basic.","start":605.875,"end":610.135,"sentiment":"neutral","sentiment_score":0.03158343927218364},{"text":"And besides so the basic ones, they are, like, government approved.","start":610.69,"end":615.81,"sentiment":"neutral","sentiment_score":0.014084953222085129}],"sentiment":"neutral","sentiment_score":0.05769322795793414,"num_words":50,"start":596.76996,"end":615.81},{"sentences":[{"text":"That's why those posters are allowed to sell them.","start":615.81,"end":618.31,"sentiment":"neutral","sentiment_score":-0.00037490162584516776},{"text":"But outside of, like, you know, this is where the home and the cash goes, you're you're not gonna be setting up, like, a testament through trust for the kids or anything like that.","start":618.61,"end":627.215,"sentiment":"neutral","sentiment_score":-0.050070179626345634},{"text":"Yep.","start":630.395,"end":630.795,"sentiment":"neutral","sentiment_score":0.12933386862277985},{"text":"Easy done.","start":630.795,"end":631.615,"sentiment":"neutral","sentiment_score":0.2382419165223837},{"text":"And we wanted to update beneficiaries on the super accounts and just make sure everything's going where it should be.","start":631.835,"end":638.73,"sentiment":"neutral","sentiment_score":0.1860531374812126}],"sentiment":"neutral","sentiment_score":0.03971394286914305,"num_words":66,"start":615.81,"end":638.73},{"sentences":[{"text":"Are you just wanting to make sure that Kev gets pretty much all the super, all the life insurance, just all of it?","start":638.87,"end":645.20996,"sentiment":"neutral","sentiment_score":0.14797870685224948},{"text":"So so I might get my admin, Michelle, just to send through some beneficiary forms.","start":647.11,"end":652.645,"sentiment":"neutral","sentiment_score":0.1990005115667979},{"text":"At least that's pretty easy.","start":652.705,"end":654.145,"sentiment":"positive","sentiment_score":0.33740639090538027},{"text":"It's just to get them witnessed by two adults who aren't.","start":654.145,"end":658.165,"sentiment":"neutral","sentiment_score":0.09537195177240805},{"text":"And would you like them to be, like, continuous for non lacing, or do you want it to expire every three years?","start":658.785,"end":667.33,"sentiment":"neutral","sentiment_score":0.022364726290106773}],"sentiment":"neutral","sentiment_score":0.12653507017775587,"num_words":76,"start":638.87,"end":667.33},{"sentences":[{"text":"Yeah.","start":673.07,"end":673.39,"sentiment":"neutral","sentiment_score":0.08805142343044281},{"text":"Perfect.","start":673.39,"end":673.89,"sentiment":"neutral","sentiment_score":0.2903289198875427},{"text":"Yep.","start":680.285,"end":680.785,"sentiment":"neutral","sentiment_score":0.04319562762975693},{"text":"Yeah.","start":694.06,"end":694.38,"sentiment":"neutral","sentiment_score":0.18012620508670807},{"text":"That's easy.","start":694.38,"end":694.94,"sentiment":"neutral","sentiment_score":0.27784959971904755}],"sentiment":"neutral","sentiment_score":0.19290022924542427,"num_words":6,"start":673.07,"end":694.94},{"sentences":[{"text":"Done.","start":694.94,"end":695.26,"sentiment":"neutral","sentiment_score":0.18207500874996185},{"text":"And are you okay for them to be kind of emailed and printed, or would you like them to post it?","start":695.26,"end":699.68,"sentiment":"neutral","sentiment_score":0.04260069677340133},{"text":"Yep.","start":703.39496,"end":703.795,"sentiment":"neutral","sentiment_score":0.1970049738883972},{"text":"Beautiful.","start":703.795,"end":704.295,"sentiment":"positive","sentiment_score":0.4680486917495727},{"text":"So what I'll do is I've also just included the updated service agreement as well because I think yours clicked off two weeks ago, and we can't make any changes to the account unless we're listed as your reply.","start":704.355,"end":718.42,"sentiment":"neutral","sentiment_score":0.035163791850209236}],"sentiment":"neutral","sentiment_score":0.04941478077440508,"num_words":63,"start":694.94,"end":718.42},{"sentences":[{"text":"You're still on the discounted fee structure with Kev, the one point 1% instead of the one six five.","start":720.72003,"end":727.46,"sentiment":"neutral","sentiment_score":0.19699986357437937},{"text":"We do have a tiered structure coming through next year.","start":728.655,"end":732.515,"sentiment":"neutral","sentiment_score":0.19216954261064528},{"text":"So that will basically mean that the higher the balance, the lower the percentage goes.","start":732.895,"end":737.555,"sentiment":"neutral","sentiment_score":0.16916704972585042},{"text":"So it'll start actually ticking down at the next review below the 1.1 as well.","start":737.775,"end":743.37,"sentiment":"neutral","sentiment_score":0.19066154559453327},{"text":"So what I'll do is I'm just gonna quickly get the document amended with the updated details, and then I'll pretty much just email that through within the next half an hour or so.","start":745.69,"end":755.55,"sentiment":"neutral","sentiment_score":0.15744142563027494}],"sentiment":"neutral","sentiment_score":0.1765067767231695,"num_words":93,"start":720.72003,"end":755.55},{"sentences":[{"text":"Amazing.","start":760.85504,"end":761.09503,"sentiment":"positive","sentiment_score":0.561596155166626},{"text":"Pretty much.","start":761.09503,"end":761.73505,"sentiment":"positive","sentiment_score":0.4721258133649826},{"text":"And it's through our, like, custom built system called Odoo.","start":761.73505,"end":765.35504,"sentiment":"neutral","sentiment_score":0.1750137135386467},{"text":"Just exactly the same as DocuSign, but purple.","start":765.575,"end":768.155,"sentiment":"neutral","sentiment_score":0.12873348873108625},{"text":"It'll click you through to stamp signatures and, like, dates and everything if you just click the button.","start":769.07,"end":776.05005,"sentiment":"neutral","sentiment_score":0.09769486056433783}],"sentiment":"neutral","sentiment_score":0.1549835978792264,"num_words":39,"start":760.85504,"end":776.05005},{"sentences":[{"text":"There is a lot of extra documents that are, like, a thousand pages of product documents from Suncorp and Hub twenty four.","start":776.35004,"end":783.09,"sentiment":"neutral","sentiment_score":0.009287577820941806},{"text":"You can just click next document.","start":783.185,"end":784.545,"sentiment":"neutral","sentiment_score":0.00979475025087595},{"text":"You don't have to scroll through all 900 pages.","start":784.545,"end":786.885,"sentiment":"neutral","sentiment_score":-0.004129923983580536},{"text":"The only one that I would kind of caution on is for the Suncorp production quote, you're probably better off just clicking on the signature and drawing it so it matches your ID.","start":788.865,"end":799.67004,"sentiment":"neutral","sentiment_score":-0.057712336776382996},{"text":"I'm assuming your signature won't change for the next ID that comes through.","start":800.85004,"end":805.19,"sentiment":"neutral","sentiment_score":-0.024307602156813327}],"sentiment":"neutral","sentiment_score":-0.02403108486681279,"num_words":83,"start":776.35004,"end":805.19},{"sentences":[{"text":"Gotcha.","start":823.69,"end":824.17,"sentiment":"neutral","sentiment_score":0.0961611270904541},{"text":"Perfect.","start":824.17,"end":824.57,"sentiment":"neutral","sentiment_score":0.2939566969871521},{"text":"Perfect.","start":824.57,"end":824.89,"sentiment":"neutral","sentiment_score":0.324077308177948},{"text":"Perfect.","start":824.89,"end":825.37,"sentiment":"positive","sentiment_score":0.43053972721099854},{"text":"Alright.","start":825.37,"end":825.87,"sentiment":"neutral","sentiment_score":0.26545649766921997}],"sentiment":"neutral","sentiment_score":0.28203827142715454,"num_words":5,"start":823.69,"end":825.87},{"sentences":[{"text":"So I'll get that through in the next half an hour or so.","start":825.93,"end":829.05,"sentiment":"neutral","sentiment_score":0.23645802873831528},{"text":"Do you have any questions for me?","start":829.05,"end":831.15,"sentiment":"neutral","sentiment_score":0.08228441221373421},{"text":"So if you go through that advice document and you do have any questions, please just give us a call.","start":834.985,"end":839.545,"sentiment":"neutral","sentiment_score":0.17964551597833633},{"text":"I'm happy to jump on and sort of explain the pros and cons to you.","start":839.545,"end":843.245,"sentiment":"positive","sentiment_score":0.33703824977080027},{"text":"But, again, pretty straightforward.","start":843.705,"end":845.645,"sentiment":"neutral","sentiment_score":0.17929355520755053}],"sentiment":"neutral","sentiment_score":0.2206034499331046,"num_words":59,"start":825.93,"end":845.645},{"sentences":[{"text":"Update the portfolio, get the performance back on track, move some funds around, reduce some fees and insurances, and update the estate plan.","start":845.865,"end":854.52997,"sentiment":"neutral","sentiment_score":0.2249551992053571},{"text":"Amazing, Laura.","start":857.23,"end":857.94995,"sentiment":"positive","sentiment_score":0.8757951557636261},{"text":"I'll send that through soon, and you have a fantastic day.","start":857.94995,"end":861.17,"sentiment":"positive","sentiment_score":0.7926246848973361},{"text":"Thank you.","start":864.3209,"end":865.04095,"sentiment":"positive","sentiment_score":0.7645546495914459},{"text":"Bye.","start":865.04095,"end":865.54095,"sentiment":"positive","sentiment_score":0.45722708106040955}],"sentiment":"positive","sentiment_score":0.4520709694196016,"num_words":39,"start":845.865,"end":865.54095}]}}]},{"alternatives":[{"transcript":"Hello? Good. Thank you. How are you? Well, we went to watch Scotland play in the World Cup, and they got beat three nil, so it's not been the best day in the world. We did. I can imagine. I do, but there's not really a lot I've gotta discuss. I was trying to say that to your colleague when she called the other day. I don't think there's a lot that we've got going on that we wanna change in the next kind of six months. We just refinanced, so we've just went with a different bank with our mortgage and just kind of consolidated some debts and just kinda put some things together so that we are kinda more up to date with what we wanna pay out. So, yeah, we've already kinda sorted that this year. And other than that, we were looking at investment properties, but that's probably gonna be a next year thing. That's probably yeah. I think so. I think just kinda let everything get back to an even par and then look at it again then. But that's pretty much it. There's not a lot much more going on for us. Yep. Yep. Yep. Yeah. Of course. Of course. Yeah. It is. It's Scotland. Yep. Yeah. I'm happy to review it afterwards. Yes. Okay. Yep. Yep. Yeah. Of course. I did. Yes. I was still paying that, so it was something I'm a little bit hesitant to stop paying because I know that if something happens to either myself or Kev, the Suncorp life insurance will cover either of us in terms of the mortgage and stuff. And from what I'm my understanding is the superannuation or the Sunsuper life insurance policy that we have with super is not as great as the sun as the Suncorp one that we have. So I don't know whether I need to increase the superannuation one before I get rid of this Suncorp one, if that makes sense. Oh, yeah. Yep. Yep. Yeah. Yeah. Yeah. Okay. Yeah. Of course. Okay. Yep. Yeah. Of course. No. I'm happy to do that. Like, I wasn't even aware at one point that this evaluation offers a life insurance element. So we just thought we were insuring ourselves privately. But, yeah, that's fine. I'm happy to contact them and we're just that if that's, yeah, if that's gonna benefit us in the long run to do that. Perfect. Okay. Awesome. Yep. Yep. Yep. Yeah. Yep. Yeah. Of course. Yep. Yeah. Yeah. Yeah. I think someone I think last year, they had advised me as well that in terms of life insurance, because I am a police officer, it's difficult. A lot of people will up their life insurance policies quite a bit because I am in a high risk job, whereas the QSuper kind of set standard is, yeah, for everyone. So we don't wanna let go of that anyway. Yeah. Yep. Yeah. Perfect. Yep. Yep. Yeah. Of course. No problem. We are 26 Mil Luca Circuit. No. It's probably around about the same. Maybe 125. Yeah. So we're at probably about 1.8 mil value. We've got $808,104,000 owing. So that's what the new mortgage, remortgages. And there's probably we've refinanced. We've listed we paid off Kevin's car, so that was why we've done that. So what will be in the offset? We're not gonna call it an offset. We're just gonna put it in a redraw facility. So there'll be probably a 100,000 in the redraw. Yeah. That's still there. Perfect. We actually didn't. We we both of us need to do that. Like, that's something that we need to really do pretty urgently, but it hasn't been finalized yet. I think Kev went through the union, and we sent him some documents, and he filled something out, but he probably stopped halfway through. But we need to get that sorted, like, ASAP. Yeah. Are they alright, though? Yeah. No. No. No. No. No. It's pretty basic. It would be pretty basic. Yep. Yeah. Yeah. Yep. Yep. Yep. No. Just continue it. If anything changes, I'll let you guys know. The only thing that she was holding off on was my driving license is due to be renewed in July. So she didn't wanna she didn't wanna prefill the forms and send them out because my driving license is then gonna need to be updated. And so she said wait till after that is till your driving license has been renewed, and I'll send the new forms. Yeah. Yeah. No. That's fine. Email and printed is fine. Yeah. Okay. Okay. Perfect. Yep. Yep. Yeah. Yeah. Oh, yeah. Perfect. Yep. Awesome. And I was just like is it just like a doc you're saying just to send back? Yep. Yep. Yep. Yeah. Yep. Yeah. Yeah. I was just doing now. Yeah. Okay. Well, no. That's that I think that was one of the issues with the beneficiary form last year because my work signature is just squiggle, and my driving license signature is an actual proper signature. And I think I had to squiggle instead of written my signature, so I'll make sure it's a driving license signature. No. Nothing. That sounds awesome. Thank you so much. Yep. Yep. Yep. Beautiful. Sounds good. Awesome. Thank you so much for your call. Cheers. Take care. Bye.","confidence":0.9951172,"words":[{"word":"hello","start":5.12,"end":5.62,"confidence":0.9394531,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":0.10777638852596284},{"word":"good","start":7.9199996,"end":8.32,"confidence":0.99853516,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.43868428468704224},{"word":"thank","start":8.32,"end":8.559999,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5689597725868225},{"word":"you","start":8.559999,"end":8.72,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.44601625204086304},{"word":"how","start":8.72,"end":8.88,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.2859594523906708},{"word":"are","start":8.88,"end":9.04,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.24072477221488953},{"word":"you","start":9.04,"end":9.54,"confidence":1.0,"punctuated_word":"you?","sentiment":"positive","sentiment_score":0.3659246563911438},{"word":"well","start":14.719999,"end":15.04,"confidence":0.98291016,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.08403623849153519},{"word":"we","start":15.04,"end":15.28,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.12380900233983994},{"word":"went","start":15.28,"end":15.5199995,"confidence":0.9951172,"punctuated_word":"went","sentiment":"neutral","sentiment_score":-0.04940192401409149},{"word":"to","start":15.5199995,"end":15.679999,"confidence":0.96240234,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05548470467329025},{"word":"watch","start":15.679999,"end":15.975,"confidence":0.99121094,"punctuated_word":"watch","sentiment":"neutral","sentiment_score":-0.07278995215892792},{"word":"scotland","start":16.055,"end":16.295,"confidence":0.9165039,"punctuated_word":"Scotland","sentiment":"neutral","sentiment_score":-0.13526830077171326},{"word":"play","start":16.295,"end":16.375,"confidence":0.89208984,"punctuated_word":"play","sentiment":"neutral","sentiment_score":-0.04937603324651718},{"word":"in","start":16.375,"end":16.455,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.004538305103778839},{"word":"the","start":16.455,"end":16.695,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.025538980960845947},{"word":"world","start":16.695,"end":16.855,"confidence":0.95166016,"punctuated_word":"World","sentiment":"neutral","sentiment_score":0.027398325502872467},{"word":"cup","start":16.855,"end":17.175001,"confidence":0.8972168,"punctuated_word":"Cup,","sentiment":"neutral","sentiment_score":-0.00601574033498764},{"word":"and","start":17.175001,"end":17.255001,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03838639706373215},{"word":"they","start":17.255001,"end":17.415,"confidence":0.7036133,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.09432877600193024},{"word":"got","start":17.415,"end":17.575,"confidence":0.9614258,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.09401362389326096},{"word":"beat","start":17.575,"end":17.815,"confidence":0.44873047,"punctuated_word":"beat","sentiment":"neutral","sentiment_score":-0.03331933915615082},{"word":"three","start":17.815,"end":18.055,"confidence":0.9301758,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.1636354923248291},{"word":"nil","start":18.055,"end":18.295,"confidence":0.6118164,"punctuated_word":"nil,","sentiment":"neutral","sentiment_score":-0.16779382526874542},{"word":"so","start":18.295,"end":18.455,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.19161038100719452},{"word":"it's","start":18.455,"end":18.615,"confidence":0.9975586,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.3020275831222534},{"word":"not","start":18.615,"end":18.775,"confidence":0.9770508,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.31255435943603516},{"word":"been","start":18.775,"end":18.935001,"confidence":0.90722656,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.26109421253204346},{"word":"the","start":18.935001,"end":19.095001,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.27311405539512634},{"word":"best","start":19.095001,"end":19.415,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":-0.13771769404411316},{"word":"day","start":19.415,"end":19.575,"confidence":0.9941406,"punctuated_word":"day","sentiment":"neutral","sentiment_score":-0.0690152645111084},{"word":"in","start":19.575,"end":19.735,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.12282678484916688},{"word":"the","start":19.735,"end":20.055,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08988073468208313},{"word":"world","start":20.055,"end":20.555,"confidence":0.9941406,"punctuated_word":"world.","sentiment":"neutral","sentiment_score":-0.11599339544773102},{"word":"we","start":26.695,"end":26.855,"confidence":0.41064453,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.06879791617393494},{"word":"did","start":26.855,"end":27.355,"confidence":0.99609375,"punctuated_word":"did.","sentiment":"neutral","sentiment_score":-0.1328829675912857},{"word":"i","start":31.93,"end":32.01,"confidence":0.91015625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.14030730724334717},{"word":"can","start":32.01,"end":32.33,"confidence":0.9970703,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.1094493716955185},{"word":"imagine","start":32.33,"end":32.83,"confidence":0.9921875,"punctuated_word":"imagine.","sentiment":"neutral","sentiment_score":-0.06185149401426315},{"word":"i","start":44.025,"end":44.265,"confidence":0.50439453,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01658327504992485},{"word":"do","start":44.265,"end":44.585,"confidence":0.8967285,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.017156967893242836},{"word":"but","start":44.585,"end":44.825,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.03518231213092804},{"word":"there's","start":44.825,"end":45.065,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.07803456485271454},{"word":"not","start":45.065,"end":45.225,"confidence":0.9902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.06452946364879608},{"word":"really","start":45.225,"end":45.465,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.11897744238376616},{"word":"a","start":45.465,"end":45.545,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11986149847507475},{"word":"lot","start":45.545,"end":45.785,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.11883033812046052},{"word":"i've","start":45.785,"end":45.945,"confidence":0.9904785,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.10777190327644348},{"word":"gotta","start":45.945,"end":46.185,"confidence":0.5385742,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":-0.03728741034865379},{"word":"discuss","start":46.185,"end":46.585,"confidence":0.9980469,"punctuated_word":"discuss.","sentiment":"neutral","sentiment_score":-0.05248510465025902},{"word":"i","start":46.585,"end":46.665,"confidence":0.9707031,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07797562330961227},{"word":"was","start":46.665,"end":46.905,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.07713888585567474},{"word":"trying","start":46.905,"end":47.145,"confidence":0.98828125,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.07059100270271301},{"word":"to","start":47.145,"end":47.225,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0509287491440773},{"word":"say","start":47.225,"end":47.385,"confidence":0.97802734,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.04487643763422966},{"word":"that","start":47.385,"end":47.704998,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06087086722254753},{"word":"to","start":47.704998,"end":47.945,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06023701652884483},{"word":"your","start":47.945,"end":48.265,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.05205807089805603},{"word":"colleague","start":48.265,"end":48.665,"confidence":0.99902344,"punctuated_word":"colleague","sentiment":"neutral","sentiment_score":-0.039487652480602264},{"word":"when","start":48.665,"end":48.905,"confidence":0.99609375,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.08532727509737015},{"word":"she","start":48.905,"end":48.985,"confidence":0.99316406,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.0977446436882019},{"word":"called","start":48.985,"end":49.225,"confidence":1.0,"punctuated_word":"called","sentiment":"neutral","sentiment_score":-0.08097535371780396},{"word":"the","start":49.225,"end":49.385,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11180651187896729},{"word":"other","start":49.385,"end":49.625,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.11124667525291444},{"word":"day","start":49.625,"end":49.785,"confidence":0.9975586,"punctuated_word":"day.","sentiment":"neutral","sentiment_score":-0.11030790209770204},{"word":"i","start":49.785,"end":49.864998,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.26137709617614746},{"word":"don't","start":49.864998,"end":50.105,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.21637992560863495},{"word":"think","start":50.105,"end":50.265,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.21172937750816345},{"word":"there's","start":50.265,"end":50.585,"confidence":0.9995117,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.19810739159584043},{"word":"a","start":50.585,"end":50.665,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1480659544467926},{"word":"lot","start":50.665,"end":50.985,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.13423189520835876},{"word":"that","start":50.985,"end":51.145,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1399134397506714},{"word":"we've","start":51.145,"end":51.465,"confidence":0.9995117,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.12699252367019653},{"word":"got","start":51.465,"end":51.864998,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.15298178791999817},{"word":"going","start":51.864998,"end":52.105,"confidence":0.99316406,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.12099772691726685},{"word":"on","start":52.105,"end":52.345,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.12406708300113678},{"word":"that","start":52.345,"end":52.505,"confidence":0.9902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.16044597327709198},{"word":"we","start":52.505,"end":52.665,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.16224975883960724},{"word":"wanna","start":52.665,"end":53.065,"confidence":0.95410156,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.129129558801651},{"word":"change","start":53.065,"end":53.385,"confidence":0.99902344,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.1311286687850952},{"word":"in","start":53.385,"end":53.545,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.16969731450080872},{"word":"the","start":53.545,"end":53.705,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.18231596052646637},{"word":"next","start":53.705,"end":54.025,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.1475256383419037},{"word":"kind","start":54.025,"end":54.265,"confidence":0.32543945,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.14135298132896423},{"word":"of","start":54.265,"end":54.425,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1551094502210617},{"word":"six","start":54.425,"end":54.665,"confidence":0.9970703,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.17530906200408936},{"word":"months","start":54.665,"end":55.165,"confidence":0.9807129,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":-0.1564134657382965},{"word":"we","start":56.86,"end":57.100002,"confidence":0.9453125,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.005507409572601318},{"word":"just","start":57.100002,"end":57.34,"confidence":0.7739258,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0007292851805686951},{"word":"refinanced","start":57.34,"end":57.84,"confidence":0.8610026,"punctuated_word":"refinanced,","sentiment":"neutral","sentiment_score":0.005534393712878227},{"word":"so","start":58.22,"end":58.38,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.012080617249011992},{"word":"we've","start":58.38,"end":58.62,"confidence":0.9645996,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.04279270023107529},{"word":"just","start":58.62,"end":58.86,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04942503198981285},{"word":"went","start":58.86,"end":59.18,"confidence":0.99902344,"punctuated_word":"went","sentiment":"neutral","sentiment_score":0.04210107773542404},{"word":"with","start":59.18,"end":59.58,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04683946818113327},{"word":"a","start":59.58,"end":59.82,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06041764467954635},{"word":"different","start":59.82,"end":60.32,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.03413287177681923},{"word":"bank","start":60.7,"end":61.2,"confidence":1.0,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.04794817417860031},{"word":"with","start":61.260002,"end":61.58,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06309770047664642},{"word":"our","start":61.58,"end":61.74,"confidence":0.9550781,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.06067311018705368},{"word":"mortgage","start":61.74,"end":62.24,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.07582823932170868},{"word":"and","start":64.14,"end":64.38,"confidence":0.5996094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06356140971183777},{"word":"just","start":64.38,"end":64.62,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09933793544769288},{"word":"kind","start":64.62,"end":64.86,"confidence":0.9199219,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.09951013326644896},{"word":"of","start":64.86,"end":65.020004,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09861806035041808},{"word":"consolidated","start":65.020004,"end":65.520004,"confidence":0.9892578,"punctuated_word":"consolidated","sentiment":"neutral","sentiment_score":0.1320485770702362},{"word":"some","start":65.9,"end":66.06,"confidence":0.98535156,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.11188240349292757},{"word":"debts","start":66.06,"end":66.54,"confidence":0.9580078,"punctuated_word":"debts","sentiment":"neutral","sentiment_score":0.07419896125793457},{"word":"and","start":66.54,"end":66.86,"confidence":0.88134766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08268992602825165},{"word":"just","start":66.86,"end":67.1,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08642212301492691},{"word":"kinda","start":67.1,"end":67.5,"confidence":0.62646484,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.08673642575740814},{"word":"put","start":67.5,"end":67.74,"confidence":0.99316406,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.12189260125160216},{"word":"some","start":67.74,"end":67.9,"confidence":0.99609375,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.11507991701364516},{"word":"things","start":67.9,"end":68.14,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.1278681755065918},{"word":"together","start":68.14,"end":68.62,"confidence":1.0,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.13280370831489563},{"word":"so","start":68.62,"end":68.78,"confidence":0.97998047,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.13626670837402344},{"word":"that","start":68.78,"end":69.020004,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13800697028636932},{"word":"we","start":69.020004,"end":69.18,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12148325145244598},{"word":"are","start":69.18,"end":69.68,"confidence":0.5205078,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1296917051076889},{"word":"kinda","start":70.565,"end":70.965004,"confidence":0.8286133,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.15587347745895386},{"word":"more","start":70.965004,"end":71.205,"confidence":0.99316406,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.11062455922365189},{"word":"up","start":71.205,"end":71.365,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1230730563402176},{"word":"to","start":71.365,"end":71.445,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1484587788581848},{"word":"date","start":71.445,"end":71.685,"confidence":1.0,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.11791494488716124},{"word":"with","start":71.685,"end":71.845,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.13407254219055176},{"word":"what","start":71.845,"end":72.005,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1320556402206421},{"word":"we","start":72.005,"end":72.165,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09712761640548706},{"word":"wanna","start":72.165,"end":72.405,"confidence":0.9091797,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1415298879146576},{"word":"pay","start":72.405,"end":72.645004,"confidence":0.8310547,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.08013074845075607},{"word":"out","start":72.645004,"end":73.145004,"confidence":0.9946289,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.0832286924123764},{"word":"so","start":74.405,"end":74.565,"confidence":0.92456055,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.061859436333179474},{"word":"yeah","start":74.565,"end":74.725,"confidence":0.9975586,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.06130893528461456},{"word":"we've","start":74.725,"end":74.965004,"confidence":0.9995117,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.076720230281353},{"word":"already","start":74.965004,"end":75.285,"confidence":0.99902344,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.0890110582113266},{"word":"kinda","start":75.285,"end":75.605,"confidence":0.9472656,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.09881855547428132},{"word":"sorted","start":75.605,"end":76.005,"confidence":0.97265625,"punctuated_word":"sorted","sentiment":"neutral","sentiment_score":0.08617208153009415},{"word":"that","start":76.005,"end":76.325,"confidence":0.9921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04822279512882233},{"word":"this","start":76.325,"end":76.565,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.06282244622707367},{"word":"year","start":76.565,"end":76.885,"confidence":0.8486328,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.05610143765807152},{"word":"and","start":76.885,"end":77.285,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.024598129093647003},{"word":"other","start":77.285,"end":77.525,"confidence":0.9770508,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.002440430223941803},{"word":"than","start":77.525,"end":77.765,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.014836311340332031},{"word":"that","start":77.765,"end":78.005,"confidence":0.99902344,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.009011529386043549},{"word":"we","start":78.005,"end":78.245,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0021324455738067627},{"word":"were","start":78.245,"end":78.485,"confidence":0.9970703,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.001516968011856079},{"word":"looking","start":78.485,"end":78.725,"confidence":0.99902344,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.002646319568157196},{"word":"at","start":78.725,"end":78.965,"confidence":0.98535156,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.02361302822828293},{"word":"investment","start":78.965,"end":79.465,"confidence":0.9902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.013741016387939451},{"word":"properties","start":79.525,"end":79.925,"confidence":0.98950195,"punctuated_word":"properties,","sentiment":"neutral","sentiment_score":-0.011053672060370444},{"word":"but","start":79.925,"end":80.085,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.005058735609054565},{"word":"that's","start":80.085,"end":80.325,"confidence":0.9970703,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.006859533488750458},{"word":"probably","start":80.325,"end":80.645004,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.007714636623859405},{"word":"gonna","start":80.645004,"end":80.965,"confidence":0.9921875,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.01527675986289978},{"word":"be","start":80.965,"end":81.125,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0006403475999832153},{"word":"a","start":81.125,"end":81.205,"confidence":0.96777344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03813142329454422},{"word":"next","start":81.205,"end":81.445,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.029672104865312576},{"word":"year","start":81.445,"end":81.765,"confidence":0.99902344,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.04032604396343231},{"word":"thing","start":81.765,"end":82.265,"confidence":0.9980469,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.04355693608522415},{"word":"that's","start":83.86,"end":84.18,"confidence":0.96655273,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.012029620818793774},{"word":"probably","start":84.18,"end":84.68,"confidence":0.9980469,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.02043817564845085},{"word":"yeah","start":87.14,"end":87.54,"confidence":0.9785156,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.019544215872883797},{"word":"i","start":87.54,"end":87.7,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.009012416005134584},{"word":"think","start":87.7,"end":88.02,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.02111959084868431},{"word":"so","start":88.02,"end":88.26,"confidence":0.9794922,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.03236325830221176},{"word":"i","start":88.26,"end":88.34,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.023292452096939087},{"word":"think","start":88.34,"end":88.58,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.04467638581991196},{"word":"just","start":88.58,"end":88.82,"confidence":0.9448242,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05808663368225098},{"word":"kinda","start":88.82,"end":89.06,"confidence":0.9370117,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.06052473932504654},{"word":"let","start":89.06,"end":89.3,"confidence":0.99316406,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.06610929220914841},{"word":"everything","start":89.3,"end":89.78,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.0939333587884903},{"word":"get","start":89.78,"end":90.02,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.05753428488969803},{"word":"back","start":90.02,"end":90.18,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.06997860223054886},{"word":"to","start":90.18,"end":90.34,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07386690378189087},{"word":"an","start":90.34,"end":90.58,"confidence":0.9165039,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.05675216391682625},{"word":"even","start":90.58,"end":91.08,"confidence":0.9951172,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.07813090085983276},{"word":"par","start":91.46,"end":91.7,"confidence":0.7788086,"punctuated_word":"par","sentiment":"neutral","sentiment_score":0.04183392971754074},{"word":"and","start":91.7,"end":91.86,"confidence":0.7089844,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04463588073849678},{"word":"then","start":91.86,"end":92.02,"confidence":0.9873047,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0679280161857605},{"word":"look","start":92.02,"end":92.26,"confidence":0.76464844,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.03848234936594963},{"word":"at","start":92.26,"end":92.42,"confidence":0.9902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.017921730875968933},{"word":"it","start":92.42,"end":92.5,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0237334668636322},{"word":"again","start":92.5,"end":92.82,"confidence":0.99902344,"punctuated_word":"again","sentiment":"neutral","sentiment_score":0.023874953389167786},{"word":"then","start":92.82,"end":93.32,"confidence":0.94506836,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":0.03606834262609482},{"word":"but","start":94.74,"end":94.9,"confidence":0.9116211,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.009638283401727676},{"word":"that's","start":94.9,"end":95.14,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.012082112953066826},{"word":"pretty","start":95.14,"end":95.38,"confidence":0.9980469,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.034269534051418304},{"word":"much","start":95.38,"end":95.7,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.012546375393867493},{"word":"it","start":95.7,"end":95.78,"confidence":0.99853516,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.0398687943816185},{"word":"there's","start":95.78,"end":96.02,"confidence":0.99658203,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.11437247693538666},{"word":"not","start":96.02,"end":96.26,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.10258035361766817},{"word":"a","start":96.26,"end":96.34,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1407870352268219},{"word":"lot","start":96.34,"end":96.5,"confidence":0.99902344,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.19049429893493652},{"word":"much","start":96.5,"end":96.74,"confidence":0.9921875,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.15861597657203674},{"word":"more","start":96.74,"end":96.979996,"confidence":0.9980469,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.2079773247241974},{"word":"going","start":96.979996,"end":97.22,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.17477862536907196},{"word":"on","start":97.22,"end":97.46,"confidence":0.9951172,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.15802568197250366},{"word":"for","start":97.46,"end":97.62,"confidence":0.9428711,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.03961362689733505},{"word":"us","start":97.62,"end":97.905,"confidence":0.9946289,"punctuated_word":"us.","sentiment":"neutral","sentiment_score":-0.056188128888607025},{"word":"yep","start":104.305,"end":104.805,"confidence":0.8688965,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15973803400993347},{"word":"yep","start":111.025,"end":111.525,"confidence":0.7392578,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14299504458904266},{"word":"yep","start":117.68,"end":118.18,"confidence":0.7993164,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08467079699039459},{"word":"yeah","start":118.56,"end":118.88,"confidence":0.84814453,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10643599927425385},{"word":"of","start":118.88,"end":119.119995,"confidence":0.76416016,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":0.1488436758518219},{"word":"course","start":119.119995,"end":119.619995,"confidence":1.0,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":0.1895220577716827},{"word":"of","start":125.92,"end":126.159996,"confidence":0.9301758,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":0.03318711370229721},{"word":"course","start":126.159996,"end":126.659996,"confidence":0.9995117,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":0.04689612984657288},{"word":"yeah","start":128.755,"end":129.075,"confidence":0.9909668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06361345201730728},{"word":"it","start":129.075,"end":129.155,"confidence":0.60498047,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.05902265012264252},{"word":"is","start":129.155,"end":129.315,"confidence":0.91503906,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.04905727505683899},{"word":"it's","start":129.315,"end":129.395,"confidence":0.9506836,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.04730499908328056},{"word":"scotland","start":129.395,"end":129.895,"confidence":0.99853516,"punctuated_word":"Scotland.","sentiment":"neutral","sentiment_score":0.0770760327577591},{"word":"yep","start":133.315,"end":133.815,"confidence":0.7956543,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2138681858778},{"word":"yeah","start":140.27501,"end":140.515,"confidence":0.9946289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.19420839846134183},{"word":"i'm","start":140.515,"end":140.675,"confidence":0.99853516,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.3915581703186035},{"word":"happy","start":140.675,"end":140.91501,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.40533480048179626},{"word":"to","start":140.91501,"end":141.155,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.27975234389305115},{"word":"review","start":141.155,"end":141.395,"confidence":0.99902344,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.3156203329563141},{"word":"it","start":141.395,"end":141.475,"confidence":0.6611328,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.36902064085006714},{"word":"afterwards","start":141.475,"end":141.975,"confidence":0.9941406,"punctuated_word":"afterwards.","sentiment":"positive","sentiment_score":0.3467763662338257},{"word":"yes","start":153.15,"end":153.65,"confidence":0.9086914,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0127660995349288},{"word":"okay","start":163.29501,"end":163.79501,"confidence":0.9794922,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04398111253976822},{"word":"yep","start":170.31001,"end":170.81001,"confidence":0.8586426,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.10610153526067734},{"word":"yep","start":184.31001,"end":184.81001,"confidence":0.9472656,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.058116912841796875},{"word":"yeah","start":201.98999,"end":202.31,"confidence":0.99365234,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08223039656877518},{"word":"of","start":202.31,"end":202.39,"confidence":0.99902344,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":0.07826663553714752},{"word":"course","start":202.39,"end":202.89,"confidence":1.0,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":0.10465817153453828},{"word":"i","start":215.045,"end":215.285,"confidence":0.83251953,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16664372384548187},{"word":"did","start":215.285,"end":215.685,"confidence":0.99609375,"punctuated_word":"did.","sentiment":"neutral","sentiment_score":0.14936086535453796},{"word":"yes","start":215.685,"end":216.185,"confidence":0.99902344,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.18626579642295835},{"word":"i","start":217.525,"end":217.685,"confidence":0.30541992,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.021135106682777405},{"word":"was","start":217.685,"end":217.925,"confidence":0.9350586,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.023969322443008423},{"word":"still","start":217.925,"end":218.245,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.013334512710571287},{"word":"paying","start":218.245,"end":218.565,"confidence":0.9941406,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.0012364387512207031},{"word":"that","start":218.565,"end":218.805,"confidence":0.8120117,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.04439346492290497},{"word":"so","start":218.805,"end":218.965,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.041253551840782166},{"word":"it","start":218.965,"end":219.045,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.10536176711320876},{"word":"was","start":219.045,"end":219.205,"confidence":0.9667969,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.10505499690771104},{"word":"something","start":219.205,"end":219.525,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.0633806437253952},{"word":"i'm","start":219.525,"end":219.685,"confidence":0.9970703,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.19518809020519257},{"word":"a","start":219.685,"end":219.765,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.28127026557922363},{"word":"little","start":219.765,"end":220.00499,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.19093239307403564},{"word":"bit","start":220.00499,"end":220.165,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.25791314244270325},{"word":"hesitant","start":220.165,"end":220.665,"confidence":1.0,"punctuated_word":"hesitant","sentiment":"negative","sentiment_score":-0.419810950756073},{"word":"to","start":220.72499,"end":220.885,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4249545335769654},{"word":"stop","start":220.885,"end":221.285,"confidence":0.99902344,"punctuated_word":"stop","sentiment":"negative","sentiment_score":-0.3571672737598419},{"word":"paying","start":221.285,"end":221.605,"confidence":0.99609375,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.28638070821762085},{"word":"because","start":221.605,"end":222.105,"confidence":0.90283203,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.2081058770418167},{"word":"i","start":222.97,"end":223.05,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2918424606323242},{"word":"know","start":223.05,"end":223.29001,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.3179185390472412},{"word":"that","start":223.29001,"end":223.53001,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2738082706928253},{"word":"if","start":223.53001,"end":223.77,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.22436153888702393},{"word":"something","start":223.77,"end":224.09001,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.20688331127166748},{"word":"happens","start":224.09001,"end":224.57,"confidence":0.99902344,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":-0.25073307752609253},{"word":"to","start":224.57,"end":224.73001,"confidence":0.96533203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.25878578424453735},{"word":"either","start":224.73001,"end":225.05,"confidence":0.9970703,"punctuated_word":"either","sentiment":"neutral","sentiment_score":-0.2429725080728531},{"word":"myself","start":225.05,"end":225.45001,"confidence":0.9980469,"punctuated_word":"myself","sentiment":"neutral","sentiment_score":-0.2228513062000275},{"word":"or","start":225.45001,"end":225.69,"confidence":0.9892578,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.22293642163276672},{"word":"kev","start":225.69,"end":226.19,"confidence":0.9057617,"punctuated_word":"Kev,","sentiment":"neutral","sentiment_score":-0.1796758472919464},{"word":"the","start":226.41,"end":226.57,"confidence":0.8881836,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2201336920261383},{"word":"suncorp","start":226.57,"end":227.05,"confidence":0.9689128,"punctuated_word":"Suncorp","sentiment":"neutral","sentiment_score":-0.13904055953025818},{"word":"life","start":227.05,"end":227.29001,"confidence":0.51708984,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.105677992105484},{"word":"insurance","start":227.29001,"end":227.69,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.14864714443683624},{"word":"will","start":227.69,"end":227.93001,"confidence":0.99316406,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.17054682970046997},{"word":"cover","start":227.93001,"end":228.43001,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.10783002525568008},{"word":"either","start":229.13,"end":229.53001,"confidence":0.99902344,"punctuated_word":"either","sentiment":"neutral","sentiment_score":-0.0945715829730034},{"word":"of","start":229.53001,"end":229.61,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.17180824279785156},{"word":"us","start":229.61,"end":229.93001,"confidence":0.99902344,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.14032325148582458},{"word":"in","start":229.93001,"end":230.17001,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.15064159035682678},{"word":"terms","start":230.17001,"end":230.49,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":-0.07609278708696365},{"word":"of","start":230.49,"end":230.57,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.21166923642158508},{"word":"the","start":230.57,"end":230.81001,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.21713879704475403},{"word":"mortgage","start":230.81001,"end":231.21,"confidence":0.9970703,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.15879569947719574},{"word":"and","start":231.21,"end":231.45001,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.21840843558311465},{"word":"stuff","start":231.45001,"end":231.95001,"confidence":0.9819336,"punctuated_word":"stuff.","sentiment":"neutral","sentiment_score":-0.23123006522655487},{"word":"and","start":232.01001,"end":232.25,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.2406606078147888},{"word":"from","start":232.25,"end":232.49,"confidence":1.0,"punctuated_word":"from","sentiment":"negative","sentiment_score":-0.3927469253540039},{"word":"what","start":232.49,"end":232.65001,"confidence":0.98095703,"punctuated_word":"what","sentiment":"negative","sentiment_score":-0.3827959299087525},{"word":"i'm","start":232.65001,"end":232.81001,"confidence":0.82788086,"punctuated_word":"I'm","sentiment":"negative","sentiment_score":-0.3495299816131592},{"word":"my","start":232.89001,"end":233.13,"confidence":0.9941406,"punctuated_word":"my","sentiment":"negative","sentiment_score":-0.3391880393028259},{"word":"understanding","start":233.13,"end":233.63,"confidence":0.99902344,"punctuated_word":"understanding","sentiment":"neutral","sentiment_score":-0.29796090722084045},{"word":"is","start":233.93001,"end":234.17001,"confidence":0.98291016,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2270311862230301},{"word":"the","start":234.17001,"end":234.67001,"confidence":0.9790039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.3324315547943115},{"word":"superannuation","start":236.715,"end":237.215,"confidence":0.9593099,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":-0.27161720395088196},{"word":"or","start":238.555,"end":238.795,"confidence":0.66552734,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.29214856028556824},{"word":"the","start":238.795,"end":238.955,"confidence":0.9951172,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4087038040161133},{"word":"sunsuper","start":238.955,"end":239.455,"confidence":0.8642578,"punctuated_word":"Sunsuper","sentiment":"neutral","sentiment_score":-0.20173203945159912},{"word":"life","start":239.755,"end":240.075,"confidence":0.93847656,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.2607240378856659},{"word":"insurance","start":240.075,"end":240.555,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.32715338468551636},{"word":"policy","start":240.555,"end":240.955,"confidence":1.0,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":-0.32620158791542053},{"word":"that","start":240.955,"end":241.11499,"confidence":0.9892578,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.3646318912506103},{"word":"we","start":241.11499,"end":241.275,"confidence":0.99902344,"punctuated_word":"we","sentiment":"negative","sentiment_score":-0.4332151412963867},{"word":"have","start":241.275,"end":241.435,"confidence":1.0,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.42961710691452026},{"word":"with","start":241.435,"end":241.755,"confidence":0.9741211,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.4686355888843536},{"word":"super","start":241.755,"end":242.255,"confidence":0.74365234,"punctuated_word":"super","sentiment":"negative","sentiment_score":-0.4114477038383484},{"word":"is","start":242.47499,"end":242.715,"confidence":0.9667969,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.4578751623630524},{"word":"not","start":242.715,"end":242.955,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.4973558783531189},{"word":"as","start":242.955,"end":243.11499,"confidence":0.9970703,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.4788381457328797},{"word":"great","start":243.11499,"end":243.515,"confidence":0.9838867,"punctuated_word":"great","sentiment":"negative","sentiment_score":-0.45274117588996887},{"word":"as","start":243.515,"end":243.755,"confidence":1.0,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.4945726990699768},{"word":"the","start":243.755,"end":243.915,"confidence":0.97314453,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.5056803822517395},{"word":"sun","start":243.915,"end":244.075,"confidence":0.57373047,"punctuated_word":"sun","sentiment":"negative","sentiment_score":-0.47264808416366577},{"word":"as","start":244.235,"end":244.395,"confidence":0.99121094,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.4437885284423828},{"word":"the","start":244.395,"end":244.555,"confidence":0.98291016,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4991213381290436},{"word":"suncorp","start":244.555,"end":245.035,"confidence":0.96516925,"punctuated_word":"Suncorp","sentiment":"negative","sentiment_score":-0.34811723232269287},{"word":"one","start":245.035,"end":245.275,"confidence":0.9716797,"punctuated_word":"one","sentiment":"negative","sentiment_score":-0.41002917289733887},{"word":"that","start":245.275,"end":245.435,"confidence":0.99902344,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.366233766078949},{"word":"we","start":245.435,"end":245.595,"confidence":1.0,"punctuated_word":"we","sentiment":"negative","sentiment_score":-0.3900134563446045},{"word":"have","start":245.595,"end":245.915,"confidence":0.9675293,"punctuated_word":"have.","sentiment":"negative","sentiment_score":-0.4671515226364136},{"word":"so","start":245.915,"end":246.415,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.3157307505607605},{"word":"i","start":246.795,"end":246.875,"confidence":0.9980469,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.4060613811016083},{"word":"don't","start":246.875,"end":247.11499,"confidence":1.0,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.3347831666469574},{"word":"know","start":247.11499,"end":247.275,"confidence":1.0,"punctuated_word":"know","sentiment":"negative","sentiment_score":-0.3832036256790161},{"word":"whether","start":247.275,"end":247.515,"confidence":0.99902344,"punctuated_word":"whether","sentiment":"negative","sentiment_score":-0.401704341173172},{"word":"i","start":247.515,"end":247.675,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.44280505180358887},{"word":"need","start":247.675,"end":247.915,"confidence":1.0,"punctuated_word":"need","sentiment":"negative","sentiment_score":-0.3970624506473541},{"word":"to","start":247.915,"end":248.155,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.366212785243988},{"word":"increase","start":248.155,"end":248.655,"confidence":1.0,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":-0.2952653169631958},{"word":"the","start":248.715,"end":249.035,"confidence":0.9921875,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3718667924404144},{"word":"superannuation","start":249.035,"end":249.535,"confidence":0.9920247,"punctuated_word":"superannuation","sentiment":"neutral","sentiment_score":-0.2624145448207855},{"word":"one","start":250.235,"end":250.735,"confidence":0.99316406,"punctuated_word":"one","sentiment":"negative","sentiment_score":-0.40246471762657166},{"word":"before","start":251.09001,"end":251.49,"confidence":1.0,"punctuated_word":"before","sentiment":"negative","sentiment_score":-0.3423713147640228},{"word":"i","start":251.49,"end":251.57,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.3348063826560974},{"word":"get","start":251.57,"end":251.73001,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.33023586869239807},{"word":"rid","start":251.73001,"end":251.89,"confidence":1.0,"punctuated_word":"rid","sentiment":"neutral","sentiment_score":-0.26308900117874146},{"word":"of","start":251.89,"end":252.05,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.27834856510162354},{"word":"this","start":252.05,"end":252.55,"confidence":0.5942383,"punctuated_word":"this","sentiment":"negative","sentiment_score":-0.34862786531448364},{"word":"suncorp","start":253.01001,"end":253.51001,"confidence":0.70214844,"punctuated_word":"Suncorp","sentiment":"neutral","sentiment_score":-0.29361289739608765},{"word":"one","start":253.57,"end":253.81,"confidence":0.921875,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":-0.28381219506263733},{"word":"if","start":253.81,"end":253.97,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.16720356047153473},{"word":"that","start":253.97,"end":254.13,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.10833795368671416},{"word":"makes","start":254.13,"end":254.37001,"confidence":0.9560547,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":-0.13356712460517883},{"word":"sense","start":254.37001,"end":254.87001,"confidence":0.94677734,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":-0.18320749700069427},{"word":"oh","start":266.565,"end":266.725,"confidence":0.8679199,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.08524750173091888},{"word":"yeah","start":266.725,"end":267.225,"confidence":0.9555664,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.08734683692455292},{"word":"yep","start":270.965,"end":271.465,"confidence":0.8391113,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07827270776033401},{"word":"yep","start":273.92502,"end":274.42502,"confidence":0.91503906,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.005354882683604956},{"word":"yeah","start":275.045,"end":275.20502,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.050175875425338745},{"word":"yeah","start":275.20502,"end":275.36502,"confidence":0.99658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05898907035589218},{"word":"yeah","start":275.36502,"end":275.86502,"confidence":0.9736328,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06998556852340698},{"word":"okay","start":295.70502,"end":296.20502,"confidence":0.7885742,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.15397639572620392},{"word":"yeah","start":300.905,"end":301.145,"confidence":0.99609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04644165933132171},{"word":"of","start":301.145,"end":301.385,"confidence":0.99609375,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":0.04048830270767212},{"word":"course","start":301.385,"end":301.74,"confidence":0.9995117,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":0.05852962285280228},{"word":"okay","start":316.705,"end":317.205,"confidence":0.97143555,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04672199487686157},{"word":"yep","start":325.985,"end":326.485,"confidence":0.9399414,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2058359682559967},{"word":"yeah","start":330.945,"end":331.26498,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14746832847595215},{"word":"of","start":331.26498,"end":331.425,"confidence":0.99902344,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":0.11931262910366058},{"word":"course","start":331.425,"end":331.925,"confidence":1.0,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":0.1259598433971405},{"word":"no","start":332.28,"end":332.52,"confidence":0.9941406,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08963456749916077},{"word":"i'm","start":332.52,"end":332.68,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.023388367146253582},{"word":"happy","start":332.68,"end":333.0,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.07265901565551758},{"word":"to","start":333.0,"end":333.08,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1321183741092682},{"word":"do","start":333.08,"end":333.24,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.024043798446655273},{"word":"that","start":333.24,"end":333.48,"confidence":0.99853516,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.09557634592056274},{"word":"like","start":333.48,"end":333.72,"confidence":0.99902344,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.11190949380397797},{"word":"i","start":333.72,"end":333.88,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0683160126209259},{"word":"wasn't","start":333.88,"end":334.12,"confidence":1.0,"punctuated_word":"wasn't","sentiment":"neutral","sentiment_score":0.04788949340581894},{"word":"even","start":334.12,"end":334.36,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.027118489146232605},{"word":"aware","start":334.36,"end":334.76,"confidence":1.0,"punctuated_word":"aware","sentiment":"neutral","sentiment_score":0.04746309667825699},{"word":"at","start":334.76,"end":334.92,"confidence":0.9790039,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.024412378668785095},{"word":"one","start":334.92,"end":335.16,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.021532408893108368},{"word":"point","start":335.16,"end":335.48,"confidence":1.0,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.011580251157283785},{"word":"that","start":335.48,"end":335.8,"confidence":0.97265625,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.050366535782814026},{"word":"this","start":335.8,"end":336.04,"confidence":0.921875,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.03262297809123993},{"word":"evaluation","start":336.04,"end":336.54,"confidence":0.8691406,"punctuated_word":"evaluation","sentiment":"neutral","sentiment_score":0.13171029090881348},{"word":"offers","start":336.84,"end":337.08,"confidence":0.67626953,"punctuated_word":"offers","sentiment":"neutral","sentiment_score":0.04966071248054504},{"word":"a","start":337.08,"end":337.16,"confidence":0.9291992,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07961827516555786},{"word":"life","start":337.16,"end":337.48,"confidence":1.0,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.039386630058288574},{"word":"insurance","start":337.48,"end":337.98,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.050221726298332214},{"word":"element","start":338.6,"end":339.08,"confidence":0.7561035,"punctuated_word":"element.","sentiment":"neutral","sentiment_score":0.006491184234619141},{"word":"so","start":339.08,"end":339.32,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02146744728088379},{"word":"we","start":339.32,"end":339.56,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03655828535556793},{"word":"just","start":339.56,"end":339.8,"confidence":0.5917969,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.020638003945350647},{"word":"thought","start":339.8,"end":339.96,"confidence":0.98828125,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":0.012730121612548828},{"word":"we","start":339.96,"end":340.12,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.010331004858016968},{"word":"were","start":340.12,"end":340.36,"confidence":0.99902344,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.04878557473421097},{"word":"insuring","start":340.36,"end":340.76,"confidence":0.97021484,"punctuated_word":"insuring","sentiment":"neutral","sentiment_score":0.023146476596593857},{"word":"ourselves","start":340.76,"end":341.16,"confidence":0.8935547,"punctuated_word":"ourselves","sentiment":"neutral","sentiment_score":0.03246118873357773},{"word":"privately","start":341.16,"end":341.66,"confidence":0.85961914,"punctuated_word":"privately.","sentiment":"neutral","sentiment_score":-0.011923860758543016},{"word":"but","start":342.52,"end":343.02,"confidence":0.9279785,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.05270799249410629},{"word":"yeah","start":343.48,"end":343.72,"confidence":0.86621094,"punctuated_word":"yeah,","sentiment":"positive","sentiment_score":0.3784492015838623},{"word":"that's","start":343.72,"end":344.12,"confidence":0.9951172,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.5103160738945007},{"word":"fine","start":344.12,"end":344.36,"confidence":0.9995117,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.49873626232147217},{"word":"i'm","start":344.36,"end":344.6,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.7067996859550476},{"word":"happy","start":344.6,"end":345.08,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.7290539741516113},{"word":"to","start":345.08,"end":345.24,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.7472409009933472},{"word":"contact","start":345.24,"end":345.74,"confidence":1.0,"punctuated_word":"contact","sentiment":"positive","sentiment_score":0.7448453903198242},{"word":"them","start":345.8,"end":345.96,"confidence":0.99121094,"punctuated_word":"them","sentiment":"positive","sentiment_score":0.6295841336250305},{"word":"and","start":345.96,"end":346.04,"confidence":0.6699219,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.7240332961082458},{"word":"we're","start":346.04,"end":346.2,"confidence":0.6801758,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.727148711681366},{"word":"just","start":346.2,"end":346.52,"confidence":0.9980469,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.5712099075317383},{"word":"that","start":346.52,"end":346.76,"confidence":0.2401123,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6252864003181458},{"word":"if","start":346.76,"end":346.91998,"confidence":0.7631836,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.6934139728546143},{"word":"that's","start":346.91998,"end":347.41998,"confidence":0.9863281,"punctuated_word":"that's,","sentiment":"positive","sentiment_score":0.6149338483810425},{"word":"yeah","start":348.165,"end":348.48502,"confidence":0.9980469,"punctuated_word":"yeah,","sentiment":"positive","sentiment_score":0.6276479959487915},{"word":"if","start":348.48502,"end":348.725,"confidence":1.0,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.716552734375},{"word":"that's","start":348.725,"end":348.885,"confidence":1.0,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.6700756549835205},{"word":"gonna","start":348.885,"end":349.20502,"confidence":0.9921875,"punctuated_word":"gonna","sentiment":"positive","sentiment_score":0.6303339004516602},{"word":"benefit","start":349.20502,"end":349.70502,"confidence":0.99902344,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.7175443768501282},{"word":"us","start":350.165,"end":350.405,"confidence":0.97998047,"punctuated_word":"us","sentiment":"positive","sentiment_score":0.7040776014328003},{"word":"in","start":350.405,"end":350.565,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.6740970015525818},{"word":"the","start":350.565,"end":350.64502,"confidence":0.98095703,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6856156587600708},{"word":"long","start":350.64502,"end":350.965,"confidence":1.0,"punctuated_word":"long","sentiment":"positive","sentiment_score":0.6807084083557129},{"word":"run","start":350.965,"end":351.465,"confidence":1.0,"punctuated_word":"run","sentiment":"positive","sentiment_score":0.5894081592559814},{"word":"to","start":351.525,"end":351.685,"confidence":0.93115234,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6272434592247009},{"word":"do","start":351.685,"end":351.92502,"confidence":0.99902344,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.6036856174468994},{"word":"that","start":351.92502,"end":352.42502,"confidence":0.99316406,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.5039088726043701},{"word":"perfect","start":357.605,"end":358.105,"confidence":0.99609375,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5943178534507751},{"word":"okay","start":362.48502,"end":362.98502,"confidence":0.99902344,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.5354613065719604},{"word":"awesome","start":363.6,"end":364.1,"confidence":0.9812012,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.7429207563400269},{"word":"yep","start":372.47998,"end":372.97998,"confidence":0.94628906,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1021282896399498},{"word":"yep","start":376.72,"end":377.145,"confidence":0.9663086,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06403283774852753},{"word":"yep","start":378.585,"end":379.085,"confidence":0.97021484,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11659781634807588},{"word":"yeah","start":389.065,"end":389.565,"confidence":0.9785156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0030151773244142532},{"word":"yep","start":390.10498,"end":390.60498,"confidence":0.95458984,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.006891356315463781},{"word":"yeah","start":397.66998,"end":397.91,"confidence":0.9824219,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08992759883403778},{"word":"of","start":397.91,"end":398.15,"confidence":0.9980469,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":0.10613003373146056},{"word":"course","start":398.15,"end":398.65,"confidence":0.9995117,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":0.14926984906196594},{"word":"yep","start":410.405,"end":410.905,"confidence":0.7624512,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18838807940483093},{"word":"yeah","start":416.565,"end":416.80502,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2061266154050827},{"word":"yeah","start":416.80502,"end":417.045,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2209067940711975},{"word":"yeah","start":417.045,"end":417.45,"confidence":0.9926758,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2691190242767334},{"word":"i","start":418.01,"end":418.17,"confidence":0.9970703,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3874877989292145},{"word":"think","start":418.17,"end":418.67,"confidence":1.0,"punctuated_word":"think","sentiment":"positive","sentiment_score":0.5185773372650146},{"word":"someone","start":419.29,"end":419.69,"confidence":0.8051758,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":-0.07040663063526154},{"word":"i","start":419.85,"end":419.93002,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0564127154648304},{"word":"think","start":419.93002,"end":420.33002,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.05979980528354645},{"word":"last","start":420.33002,"end":420.65002,"confidence":0.8833008,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.037435032427310944},{"word":"year","start":420.65002,"end":420.81,"confidence":0.82910156,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.04142947122454643},{"word":"they","start":420.81,"end":420.97,"confidence":0.9980469,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.04724948480725288},{"word":"had","start":420.97,"end":421.21002,"confidence":0.5649414,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.027306998148560524},{"word":"advised","start":421.21002,"end":421.61002,"confidence":0.9970703,"punctuated_word":"advised","sentiment":"neutral","sentiment_score":-0.05076279118657112},{"word":"me","start":421.61002,"end":421.69,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.023581381887197495},{"word":"as","start":421.69,"end":421.93002,"confidence":0.9951172,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.02603968419134617},{"word":"well","start":421.93002,"end":422.09003,"confidence":0.9941406,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.02631197869777679},{"word":"that","start":422.09003,"end":422.59003,"confidence":0.45874023,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0373445525765419},{"word":"in","start":423.13,"end":423.37003,"confidence":0.9404297,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0711275190114975},{"word":"terms","start":423.37003,"end":423.61002,"confidence":1.0,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":-0.05156761780381203},{"word":"of","start":423.61002,"end":423.85,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08307605236768723},{"word":"life","start":423.85,"end":424.17,"confidence":1.0,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.15113365650177002},{"word":"insurance","start":424.17,"end":424.67,"confidence":0.7998047,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":-0.08447252213954926},{"word":"because","start":424.81,"end":425.29,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.09307581931352615},{"word":"i","start":425.29,"end":425.45,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0980389565229416},{"word":"am","start":425.45,"end":425.61002,"confidence":1.0,"punctuated_word":"am","sentiment":"neutral","sentiment_score":-0.0996573567390442},{"word":"a","start":425.61002,"end":425.77002,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10221314430236816},{"word":"police","start":425.77002,"end":426.09003,"confidence":1.0,"punctuated_word":"police","sentiment":"neutral","sentiment_score":-0.11849875003099442},{"word":"officer","start":426.09003,"end":426.57,"confidence":0.98339844,"punctuated_word":"officer,","sentiment":"neutral","sentiment_score":-0.11922398209571838},{"word":"it's","start":426.57,"end":426.73,"confidence":0.9946289,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.2118297219276428},{"word":"difficult","start":426.73,"end":427.23,"confidence":0.9926758,"punctuated_word":"difficult.","sentiment":"neutral","sentiment_score":-0.22094076871871948},{"word":"a","start":428.41,"end":428.57,"confidence":0.9790039,"punctuated_word":"A","sentiment":"neutral","sentiment_score":-0.20260676741600037},{"word":"lot","start":428.57,"end":428.73,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.2372310012578964},{"word":"of","start":428.73,"end":428.81,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2494375705718994},{"word":"people","start":428.81,"end":429.21002,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.2964033782482147},{"word":"will","start":429.21002,"end":429.495,"confidence":0.80371094,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.19307680428028107},{"word":"up","start":430.055,"end":430.29498,"confidence":0.9370117,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.2753182053565979},{"word":"their","start":430.29498,"end":430.535,"confidence":0.98828125,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.30803775787353516},{"word":"life","start":430.535,"end":430.775,"confidence":1.0,"punctuated_word":"life","sentiment":"negative","sentiment_score":-0.3364197611808777},{"word":"insurance","start":430.775,"end":431.255,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.2494238168001175},{"word":"policies","start":431.255,"end":431.735,"confidence":0.94384766,"punctuated_word":"policies","sentiment":"neutral","sentiment_score":-0.24974384903907776},{"word":"quite","start":431.735,"end":431.895,"confidence":0.99902344,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.261832594871521},{"word":"a","start":431.895,"end":432.055,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.20760631561279297},{"word":"bit","start":432.055,"end":432.375,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.17183800041675568},{"word":"because","start":432.375,"end":432.775,"confidence":0.9116211,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.1387089192867279},{"word":"i","start":432.775,"end":432.935,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15963903069496155},{"word":"am","start":432.935,"end":433.095,"confidence":0.9970703,"punctuated_word":"am","sentiment":"neutral","sentiment_score":-0.15775993466377258},{"word":"in","start":433.095,"end":433.255,"confidence":0.86621094,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2587721645832062},{"word":"a","start":433.255,"end":433.335,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2235678732395172},{"word":"high","start":433.335,"end":433.57498,"confidence":0.99902344,"punctuated_word":"high","sentiment":"negative","sentiment_score":-0.3347722589969635},{"word":"risk","start":433.57498,"end":433.895,"confidence":0.99902344,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.26486775279045105},{"word":"job","start":433.895,"end":434.395,"confidence":0.80615234,"punctuated_word":"job,","sentiment":"neutral","sentiment_score":-0.2134029120206833},{"word":"whereas","start":434.535,"end":435.01498,"confidence":0.9604492,"punctuated_word":"whereas","sentiment":"neutral","sentiment_score":-0.08477921783924103},{"word":"the","start":435.01498,"end":435.175,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06884893774986267},{"word":"qsuper","start":435.175,"end":435.675,"confidence":0.7402344,"punctuated_word":"QSuper","sentiment":"neutral","sentiment_score":0.04521122947335243},{"word":"kind","start":435.735,"end":435.895,"confidence":0.54541016,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.012598618865013124},{"word":"of","start":435.895,"end":436.055,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.033054202795028687},{"word":"set","start":436.055,"end":436.375,"confidence":0.6376953,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.043094128370285034},{"word":"standard","start":436.375,"end":436.875,"confidence":0.8378906,"punctuated_word":"standard","sentiment":"neutral","sentiment_score":-0.012524925172328947},{"word":"is","start":436.935,"end":437.435,"confidence":0.56933594,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.033994391560554504},{"word":"yeah","start":438.055,"end":438.455,"confidence":0.98291016,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.02427709475159645},{"word":"for","start":438.455,"end":438.695,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.02686912566423416},{"word":"everyone","start":438.695,"end":439.195,"confidence":0.8779297,"punctuated_word":"everyone.","sentiment":"neutral","sentiment_score":-0.03262802213430405},{"word":"so","start":439.255,"end":439.755,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.12776142358779907},{"word":"we","start":439.895,"end":440.055,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.15812121331691742},{"word":"don't","start":440.055,"end":440.29498,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.17064730823040009},{"word":"wanna","start":440.29498,"end":440.535,"confidence":0.9404297,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.19312620162963867},{"word":"let","start":440.535,"end":440.775,"confidence":0.99609375,"punctuated_word":"let","sentiment":"neutral","sentiment_score":-0.22665216028690335},{"word":"go","start":440.775,"end":440.935,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.25148382782936096},{"word":"of","start":440.935,"end":441.095,"confidence":0.9819336,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.20511654019355777},{"word":"that","start":441.095,"end":441.335,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.17785829305648804},{"word":"anyway","start":441.335,"end":441.835,"confidence":0.94750977,"punctuated_word":"anyway.","sentiment":"neutral","sentiment_score":-0.13434121012687683},{"word":"yeah","start":449.38998,"end":449.88998,"confidence":0.9526367,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0776001513004303},{"word":"yep","start":455.79,"end":456.29,"confidence":0.91625977,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.24259452521800995},{"word":"yeah","start":456.43,"end":456.83,"confidence":0.7624512,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.35362309217453003},{"word":"perfect","start":456.83,"end":457.33,"confidence":0.99853516,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5027729272842407},{"word":"yep","start":473.47,"end":473.97,"confidence":0.98583984,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.25396791100502014},{"word":"yep","start":476.51,"end":477.01,"confidence":0.8244629,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18061041831970215},{"word":"yeah","start":483.71,"end":484.03,"confidence":0.9946289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06680671870708466},{"word":"of","start":484.03,"end":484.11,"confidence":0.9970703,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":0.0652967095375061},{"word":"course","start":484.11,"end":484.43,"confidence":0.9995117,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":0.07009102404117584},{"word":"no","start":484.43,"end":484.66998,"confidence":0.9902344,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.1245054230093956},{"word":"problem","start":484.66998,"end":485.16998,"confidence":0.9995117,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.1297812461853027},{"word":"we","start":491.79498,"end":492.035,"confidence":0.9560547,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.04136588051915169},{"word":"are","start":492.035,"end":492.275,"confidence":0.9951172,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.04784628003835678},{"word":"26","start":492.275,"end":492.915,"confidence":0.75439453,"punctuated_word":"26","sentiment":"neutral","sentiment_score":0.04310788959264755},{"word":"mil","start":492.915,"end":493.235,"confidence":0.37573242,"punctuated_word":"Mil","sentiment":"neutral","sentiment_score":0.03896166756749153},{"word":"luca","start":493.235,"end":493.635,"confidence":0.6582031,"punctuated_word":"Luca","sentiment":"neutral","sentiment_score":0.044844578951597214},{"word":"circuit","start":493.635,"end":494.135,"confidence":0.78222656,"punctuated_word":"Circuit.","sentiment":"neutral","sentiment_score":0.04914373904466629},{"word":"no","start":502.44998,"end":502.77,"confidence":0.94873047,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.01612071320414543},{"word":"it's","start":502.77,"end":503.00998,"confidence":0.9975586,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.03130848705768585},{"word":"probably","start":503.00998,"end":503.49,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.051704101264476776},{"word":"around","start":503.49,"end":503.88998,"confidence":0.9980469,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.04800507798790932},{"word":"about","start":503.88998,"end":504.12997,"confidence":0.8461914,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.05033167451620102},{"word":"the","start":504.12997,"end":504.28998,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01134679839015007},{"word":"same","start":504.28998,"end":504.53,"confidence":0.7805176,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":0.001048050820827484},{"word":"maybe","start":504.53,"end":504.77,"confidence":1.0,"punctuated_word":"Maybe","sentiment":"neutral","sentiment_score":-0.007814768701791763},{"word":"125","start":504.77,"end":506.06998,"confidence":0.9898437,"punctuated_word":"125.","sentiment":"neutral","sentiment_score":0.015466369688510897},{"word":"yeah","start":519.745,"end":520.06494,"confidence":0.8791504,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.021005699411034584},{"word":"so","start":520.06494,"end":520.305,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.006379265338182449},{"word":"we're","start":520.305,"end":520.545,"confidence":0.99902344,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.01738821342587471},{"word":"at","start":520.545,"end":520.785,"confidence":0.9892578,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.023501291871070865},{"word":"probably","start":520.785,"end":521.185,"confidence":0.9394531,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.021058328449726105},{"word":"about","start":521.185,"end":521.50494,"confidence":0.9892578,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.018157154321670532},{"word":"1.8","start":521.50494,"end":522.46497,"confidence":0.99934894,"punctuated_word":"1.8","sentiment":"neutral","sentiment_score":0.005606831982731819},{"word":"mil","start":522.46497,"end":522.96497,"confidence":0.8378906,"punctuated_word":"mil","sentiment":"neutral","sentiment_score":0.004404664039611816},{"word":"value","start":523.26495,"end":523.76495,"confidence":0.95166016,"punctuated_word":"value.","sentiment":"neutral","sentiment_score":0.0021025575697422028},{"word":"we've","start":525.58496,"end":525.90497,"confidence":0.86865234,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":-0.014407346956431866},{"word":"got","start":525.90497,"end":526.40497,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.023652859032154083},{"word":"$808,104,000","start":526.46497,"end":530.58997,"confidence":0.9947916,"punctuated_word":"$808,104,000","sentiment":"neutral","sentiment_score":0.022664977237582207},{"word":"owing","start":530.64996,"end":531.14996,"confidence":0.74609375,"punctuated_word":"owing.","sentiment":"neutral","sentiment_score":0.005046330392360687},{"word":"so","start":531.20996,"end":531.45,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.02812870591878891},{"word":"that's","start":531.45,"end":531.76996,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.04301279038190842},{"word":"what","start":531.76996,"end":531.93,"confidence":0.5371094,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.09200920164585114},{"word":"the","start":531.93,"end":532.17,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10093779861927032},{"word":"new","start":532.17,"end":532.41,"confidence":0.9980469,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.10695476830005646},{"word":"mortgage","start":532.41,"end":532.89,"confidence":0.77612305,"punctuated_word":"mortgage,","sentiment":"neutral","sentiment_score":-0.06579466164112091},{"word":"remortgages","start":532.89,"end":533.39,"confidence":0.91308594,"punctuated_word":"remortgages.","sentiment":"neutral","sentiment_score":-0.09269755333662032},{"word":"and","start":534.41,"end":534.73,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.07417374849319458},{"word":"there's","start":534.73,"end":535.23,"confidence":0.94140625,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.11964233964681624},{"word":"probably","start":535.52997,"end":536.02997,"confidence":0.9790039,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.13483773171901703},{"word":"we've","start":537.69,"end":538.01,"confidence":0.982666,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.1553334891796112},{"word":"refinanced","start":538.01,"end":538.51,"confidence":0.87939453,"punctuated_word":"refinanced.","sentiment":"neutral","sentiment_score":-0.059674426913261414},{"word":"we've","start":538.64996,"end":538.97,"confidence":0.9946289,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.010468083433806896},{"word":"listed","start":538.97,"end":539.47,"confidence":0.7104492,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.009094052016735075},{"word":"we","start":540.585,"end":540.825,"confidence":0.97314453,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.004628784954547882},{"word":"paid","start":540.825,"end":541.065,"confidence":0.95947266,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.019473230466246605},{"word":"off","start":541.065,"end":541.225,"confidence":0.99316406,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.004801414906978607},{"word":"kevin's","start":541.225,"end":541.705,"confidence":0.9995117,"punctuated_word":"Kevin's","sentiment":"neutral","sentiment_score":0.004960247315466404},{"word":"car","start":541.705,"end":542.105,"confidence":0.8605957,"punctuated_word":"car,","sentiment":"neutral","sentiment_score":0.0033985255286097527},{"word":"so","start":542.105,"end":542.345,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.002402380108833313},{"word":"that","start":542.345,"end":542.505,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.012243293225765228},{"word":"was","start":542.505,"end":542.665,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.0002413764595985413},{"word":"why","start":542.665,"end":542.905,"confidence":1.0,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.010236157104372978},{"word":"we've","start":542.905,"end":543.065,"confidence":0.90893555,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.012734947726130486},{"word":"done","start":543.065,"end":543.305,"confidence":1.0,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.007042229175567627},{"word":"that","start":543.305,"end":543.805,"confidence":0.9975586,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.00939008966088295},{"word":"so","start":543.865,"end":544.185,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.002837809734046459},{"word":"what","start":544.185,"end":544.425,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.0019511571153998375},{"word":"will","start":544.425,"end":544.585,"confidence":0.9707031,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.0024056024849414825},{"word":"be","start":544.585,"end":545.085,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.005755522288382053},{"word":"in","start":545.225,"end":545.465,"confidence":0.88964844,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0014887610450387},{"word":"the","start":545.465,"end":545.705,"confidence":0.9838867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0004462907090783119},{"word":"offset","start":545.705,"end":546.205,"confidence":0.828125,"punctuated_word":"offset?","sentiment":"neutral","sentiment_score":-0.0010060672648251057},{"word":"we're","start":546.345,"end":546.505,"confidence":1.0,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.005654515698552132},{"word":"not","start":546.505,"end":546.665,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.04242829233407974},{"word":"gonna","start":546.665,"end":546.905,"confidence":0.95947266,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.03579873964190483},{"word":"call","start":546.905,"end":547.145,"confidence":0.99902344,"punctuated_word":"call","sentiment":"neutral","sentiment_score":-0.05171174556016922},{"word":"it","start":547.145,"end":547.225,"confidence":0.94921875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.015377037227153778},{"word":"an","start":547.225,"end":547.385,"confidence":0.98828125,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.054640330374240875},{"word":"offset","start":547.385,"end":547.705,"confidence":0.9824219,"punctuated_word":"offset.","sentiment":"neutral","sentiment_score":-0.06626126915216446},{"word":"we're","start":547.705,"end":547.865,"confidence":0.99902344,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.0047586290165781975},{"word":"just","start":547.865,"end":548.025,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.004290089011192322},{"word":"gonna","start":548.025,"end":548.265,"confidence":0.99121094,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.008936304599046707},{"word":"put","start":548.265,"end":548.425,"confidence":0.99902344,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.01077798567712307},{"word":"it","start":548.425,"end":548.505,"confidence":0.8540039,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.008164089173078537},{"word":"in","start":548.505,"end":548.665,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.024376101791858673},{"word":"a","start":548.665,"end":548.745,"confidence":0.9790039,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02373155578970909},{"word":"redraw","start":548.745,"end":549.145,"confidence":0.9367676,"punctuated_word":"redraw","sentiment":"neutral","sentiment_score":0.010896233841776848},{"word":"facility","start":549.145,"end":549.645,"confidence":0.8552246,"punctuated_word":"facility.","sentiment":"neutral","sentiment_score":-0.0063346270471811295},{"word":"so","start":550.265,"end":550.425,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.028008725494146347},{"word":"there'll","start":550.425,"end":550.745,"confidence":0.9577637,"punctuated_word":"there'll","sentiment":"neutral","sentiment_score":0.027556275948882103},{"word":"be","start":550.745,"end":551.245,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.042805809527635574},{"word":"probably","start":551.8,"end":552.12,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.04446518421173096},{"word":"a","start":552.12,"end":552.36,"confidence":0.97509766,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.049501582980155945},{"word":"100,000","start":552.36,"end":553.08,"confidence":0.99560547,"punctuated_word":"100,000","sentiment":"neutral","sentiment_score":0.03418770805001259},{"word":"in","start":553.08,"end":553.24,"confidence":0.9921875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06201682984828949},{"word":"the","start":553.24,"end":553.48004,"confidence":0.9819336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05813820660114288},{"word":"redraw","start":553.48004,"end":553.98004,"confidence":0.99869794,"punctuated_word":"redraw.","sentiment":"neutral","sentiment_score":0.07130884379148483},{"word":"yeah","start":560.76,"end":561.08,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11732061952352524},{"word":"that's","start":561.08,"end":561.4,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1404654085636139},{"word":"still","start":561.4,"end":561.72003,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.10629554092884064},{"word":"there","start":561.72003,"end":562.22003,"confidence":0.99853516,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.13214901089668274},{"word":"perfect","start":567.895,"end":568.395,"confidence":0.99658203,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6010414361953735},{"word":"we","start":578.06,"end":578.3,"confidence":0.7368164,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.19625328481197357},{"word":"actually","start":578.3,"end":578.7,"confidence":0.9892578,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.17343974113464355},{"word":"didn't","start":578.7,"end":579.1,"confidence":0.8458659,"punctuated_word":"didn't.","sentiment":"neutral","sentiment_score":-0.15784254670143127},{"word":"we","start":579.1,"end":579.26,"confidence":0.99902344,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.21089810132980347},{"word":"we","start":579.26,"end":579.66,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.19731441140174863},{"word":"both","start":579.66,"end":579.98,"confidence":0.32958984,"punctuated_word":"both","sentiment":"neutral","sentiment_score":-0.190468892455101},{"word":"of","start":579.98,"end":580.06,"confidence":0.6513672,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.21316850185394287},{"word":"us","start":580.06,"end":580.22,"confidence":0.8569336,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.18782101571559903},{"word":"need","start":580.22,"end":580.45996,"confidence":0.6816406,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.17884202301502228},{"word":"to","start":580.45996,"end":580.62,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16228987276554108},{"word":"do","start":580.62,"end":580.86,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.17129792273044586},{"word":"that","start":580.86,"end":581.18,"confidence":0.94970703,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.1562001407146454},{"word":"like","start":581.18,"end":581.33997,"confidence":0.97631836,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.13743267953395844},{"word":"that's","start":581.33997,"end":581.66,"confidence":0.9951172,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.1472511887550354},{"word":"something","start":581.66,"end":581.89996,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.14873294532299042},{"word":"that","start":581.89996,"end":582.06,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.16679660975933075},{"word":"we","start":582.06,"end":582.22,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.16178962588310242},{"word":"need","start":582.22,"end":582.45996,"confidence":0.99609375,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.182484969496727},{"word":"to","start":582.45996,"end":582.62,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16001781821250916},{"word":"really","start":582.62,"end":582.86,"confidence":0.9819336,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.1410224437713623},{"word":"do","start":582.86,"end":583.1,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.18223229050636292},{"word":"pretty","start":583.1,"end":583.42,"confidence":0.80810547,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.16393601894378662},{"word":"urgently","start":583.42,"end":583.92,"confidence":0.9819336,"punctuated_word":"urgently,","sentiment":"neutral","sentiment_score":-0.17158131301403046},{"word":"but","start":584.06,"end":584.3,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.14960457384586334},{"word":"it","start":584.3,"end":584.45996,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.22373025119304657},{"word":"hasn't","start":584.45996,"end":584.77997,"confidence":1.0,"punctuated_word":"hasn't","sentiment":"neutral","sentiment_score":-0.19677047431468964},{"word":"been","start":584.77997,"end":585.02,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.25272512435913086},{"word":"finalized","start":585.02,"end":585.52,"confidence":0.9980469,"punctuated_word":"finalized","sentiment":"neutral","sentiment_score":-0.17953583598136902},{"word":"yet","start":585.58,"end":585.82,"confidence":0.9995117,"punctuated_word":"yet.","sentiment":"neutral","sentiment_score":-0.18474605679512024},{"word":"i","start":585.82,"end":585.89996,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07826156169176102},{"word":"think","start":585.89996,"end":586.22,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.08469375967979431},{"word":"kev","start":586.22,"end":586.45996,"confidence":0.94140625,"punctuated_word":"Kev","sentiment":"neutral","sentiment_score":-0.0961245894432068},{"word":"went","start":586.45996,"end":586.7,"confidence":0.99902344,"punctuated_word":"went","sentiment":"neutral","sentiment_score":-0.09233418107032776},{"word":"through","start":586.7,"end":587.2,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.08174432069063187},{"word":"the","start":587.42,"end":587.66,"confidence":0.9838867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08354084193706512},{"word":"union","start":587.66,"end":588.06,"confidence":0.78808594,"punctuated_word":"union,","sentiment":"neutral","sentiment_score":-0.07586163282394409},{"word":"and","start":588.06,"end":588.22,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06165719032287598},{"word":"we","start":588.22,"end":588.38,"confidence":0.83984375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.03935060650110245},{"word":"sent","start":588.38,"end":588.62,"confidence":0.9716797,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":-0.048132576048374176},{"word":"him","start":588.62,"end":588.77997,"confidence":0.9560547,"punctuated_word":"him","sentiment":"neutral","sentiment_score":-0.06801684200763702},{"word":"some","start":588.77997,"end":589.02,"confidence":0.99609375,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.08755019307136536},{"word":"documents","start":589.02,"end":589.5,"confidence":0.7729492,"punctuated_word":"documents,","sentiment":"neutral","sentiment_score":-0.07438848912715912},{"word":"and","start":589.5,"end":589.66,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06758666783571243},{"word":"he","start":589.66,"end":589.89996,"confidence":0.9980469,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.0667896717786789},{"word":"filled","start":589.89996,"end":590.22,"confidence":0.98535156,"punctuated_word":"filled","sentiment":"neutral","sentiment_score":-0.0579557791352272},{"word":"something","start":590.22,"end":590.54,"confidence":0.9970703,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.11662682890892027},{"word":"out","start":590.54,"end":590.7,"confidence":0.717041,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":-0.07806599140167236},{"word":"but","start":590.7,"end":590.94,"confidence":0.9951172,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.08579704165458679},{"word":"he","start":590.94,"end":591.02,"confidence":0.9741211,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.16076283156871796},{"word":"probably","start":591.02,"end":591.42,"confidence":0.96533203,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.2030881643295288},{"word":"stopped","start":591.42,"end":591.74,"confidence":0.9951172,"punctuated_word":"stopped","sentiment":"neutral","sentiment_score":-0.1848386526107788},{"word":"halfway","start":591.74,"end":592.22,"confidence":0.98828125,"punctuated_word":"halfway","sentiment":"neutral","sentiment_score":-0.16872046887874603},{"word":"through","start":592.22,"end":592.45996,"confidence":0.8947754,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":-0.16388334333896637},{"word":"but","start":592.45996,"end":592.935,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.12464424222707748},{"word":"we","start":593.095,"end":593.255,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.15484656393527985},{"word":"need","start":593.255,"end":593.33496,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.14949122071266174},{"word":"to","start":593.33496,"end":593.415,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15027084946632385},{"word":"get","start":593.415,"end":593.65497,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.17903181910514832},{"word":"that","start":593.65497,"end":593.975,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.18164397776126864},{"word":"sorted","start":593.975,"end":594.475,"confidence":0.9460449,"punctuated_word":"sorted,","sentiment":"neutral","sentiment_score":-0.1288105696439743},{"word":"like","start":594.535,"end":594.855,"confidence":0.99365234,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.08345400542020798},{"word":"asap","start":594.855,"end":595.355,"confidence":0.9765625,"punctuated_word":"ASAP.","sentiment":"neutral","sentiment_score":-0.0832495391368866},{"word":"yeah","start":603.815,"end":604.315,"confidence":0.97094727,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14121809601783752},{"word":"are","start":610.67,"end":610.82996,"confidence":0.4650879,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.00781603530049324},{"word":"they","start":610.82996,"end":611.06995,"confidence":0.8803711,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.0018645189702510832},{"word":"alright","start":611.06995,"end":611.47,"confidence":0.7192383,"punctuated_word":"alright,","sentiment":"neutral","sentiment_score":0.01438620500266552},{"word":"though","start":611.47,"end":611.97,"confidence":0.9914551,"punctuated_word":"though?","sentiment":"neutral","sentiment_score":0.007718057371675968},{"word":"yeah","start":616.26996,"end":616.76996,"confidence":0.8925781,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.013256016187369823},{"word":"no","start":625.905,"end":626.145,"confidence":0.9226074,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.10064023733139038},{"word":"no","start":626.145,"end":626.385,"confidence":0.9980469,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.13997869193553925},{"word":"no","start":626.385,"end":626.545,"confidence":0.99902344,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2073664665222168},{"word":"no","start":626.545,"end":626.865,"confidence":0.99902344,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.23606044054031372},{"word":"no","start":626.865,"end":627.105,"confidence":0.9345703,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.17851343750953674},{"word":"it's","start":627.105,"end":627.425,"confidence":0.9260254,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.1451559066772461},{"word":"pretty","start":627.425,"end":627.665,"confidence":0.9970703,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.12014810740947723},{"word":"basic","start":627.665,"end":628.065,"confidence":0.9970703,"punctuated_word":"basic.","sentiment":"neutral","sentiment_score":-0.10676926374435423},{"word":"it","start":628.065,"end":628.225,"confidence":0.99609375,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.036856308579444885},{"word":"would","start":628.225,"end":628.385,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.0033733025193214417},{"word":"be","start":628.385,"end":628.545,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.002506040036678314},{"word":"pretty","start":628.545,"end":628.78503,"confidence":0.99121094,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.011197224259376526},{"word":"basic","start":628.78503,"end":629.28503,"confidence":1.0,"punctuated_word":"basic.","sentiment":"neutral","sentiment_score":0.029731368646025658},{"word":"yep","start":639.14996,"end":639.64996,"confidence":0.96972656,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09817638248205184},{"word":"yeah","start":645.31,"end":645.55,"confidence":0.8388672,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08147940039634705},{"word":"yeah","start":645.55,"end":646.05,"confidence":0.9482422,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10901201516389848},{"word":"yep","start":655.715,"end":655.875,"confidence":0.8208008,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07999085634946823},{"word":"yep","start":655.875,"end":656.375,"confidence":0.7561035,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05931064113974571},{"word":"yep","start":658.915,"end":659.415,"confidence":0.86328125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03378104418516159},{"word":"no","start":668.69,"end":668.93,"confidence":0.9645996,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.02284367009997368},{"word":"just","start":668.93,"end":669.25,"confidence":0.96435547,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.03380391001701355},{"word":"continue","start":669.25,"end":669.73,"confidence":0.9248047,"punctuated_word":"continue","sentiment":"neutral","sentiment_score":-0.01862527057528496},{"word":"it","start":669.73,"end":669.88995,"confidence":0.7775879,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.011498091742396356},{"word":"if","start":669.88995,"end":670.13,"confidence":0.9970703,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.0009001530706882477},{"word":"anything","start":670.13,"end":670.52997,"confidence":0.98828125,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.0008597858250141144},{"word":"changes","start":670.52997,"end":671.00995,"confidence":0.9951172,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":0.014590845443308352},{"word":"i'll","start":671.00995,"end":671.17,"confidence":0.99658203,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.03443152830004692},{"word":"let","start":671.17,"end":671.32996,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.02479647845029831},{"word":"you","start":671.32996,"end":671.56995,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.025007769465446472},{"word":"guys","start":671.56995,"end":671.88995,"confidence":1.0,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.01349477469921112},{"word":"know","start":671.88995,"end":672.38995,"confidence":1.0,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.019314808771014217},{"word":"the","start":672.69,"end":672.93,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.021649787202477455},{"word":"only","start":672.93,"end":673.25,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.01087012141942978},{"word":"thing","start":673.25,"end":673.75,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.1691420078277588},{"word":"that","start":673.81,"end":674.13,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07969392836093903},{"word":"she","start":674.13,"end":674.37,"confidence":1.0,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.07428377866744995},{"word":"was","start":674.37,"end":674.69,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.07939855754375458},{"word":"holding","start":674.69,"end":675.17,"confidence":1.0,"punctuated_word":"holding","sentiment":"neutral","sentiment_score":0.08316264301538467},{"word":"off","start":675.17,"end":675.41,"confidence":0.9941406,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.045501869171857834},{"word":"on","start":675.41,"end":675.64996,"confidence":0.9951172,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05792451277375221},{"word":"was","start":675.64996,"end":676.05,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.032868288457393646},{"word":"my","start":676.05,"end":676.44995,"confidence":0.9941406,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.053340718150138855},{"word":"driving","start":676.44995,"end":676.94995,"confidence":0.93115234,"punctuated_word":"driving","sentiment":"neutral","sentiment_score":0.05989382416009903},{"word":"license","start":677.00995,"end":677.41,"confidence":0.96875,"punctuated_word":"license","sentiment":"neutral","sentiment_score":0.04637154936790466},{"word":"is","start":677.41,"end":677.56995,"confidence":0.9580078,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04951123893260956},{"word":"due","start":677.56995,"end":677.88995,"confidence":0.9921875,"punctuated_word":"due","sentiment":"neutral","sentiment_score":0.07615748047828674},{"word":"to","start":677.88995,"end":677.97,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09744549542665482},{"word":"be","start":677.97,"end":678.13,"confidence":0.9580078,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.07481622695922852},{"word":"renewed","start":678.13,"end":678.63,"confidence":0.9892578,"punctuated_word":"renewed","sentiment":"neutral","sentiment_score":0.05753646418452263},{"word":"in","start":678.675,"end":678.83496,"confidence":0.90625,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07698512077331543},{"word":"july","start":678.83496,"end":679.33496,"confidence":0.9086914,"punctuated_word":"July.","sentiment":"neutral","sentiment_score":0.07808922976255417},{"word":"so","start":679.795,"end":680.115,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04842517897486687},{"word":"she","start":680.115,"end":680.27496,"confidence":1.0,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.04965731501579285},{"word":"didn't","start":680.27496,"end":680.515,"confidence":1.0,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":0.0499008409678936},{"word":"wanna","start":680.515,"end":680.915,"confidence":0.8857422,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.05633866786956787},{"word":"she","start":680.915,"end":681.15497,"confidence":0.9790039,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.0669974535703659},{"word":"didn't","start":681.15497,"end":681.39496,"confidence":1.0,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":0.03159891813993454},{"word":"wanna","start":681.39496,"end":681.71497,"confidence":0.9970703,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.04762755706906319},{"word":"prefill","start":681.71497,"end":682.21497,"confidence":0.8425293,"punctuated_word":"prefill","sentiment":"neutral","sentiment_score":0.001866210252046585},{"word":"the","start":682.755,"end":682.995,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03903603553771973},{"word":"forms","start":682.995,"end":683.315,"confidence":0.9819336,"punctuated_word":"forms","sentiment":"neutral","sentiment_score":-0.01476384699344635},{"word":"and","start":683.315,"end":683.555,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.024017877876758575},{"word":"send","start":683.555,"end":683.795,"confidence":0.99902344,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.04688619077205658},{"word":"them","start":683.795,"end":683.875,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.08439207822084427},{"word":"out","start":683.875,"end":684.115,"confidence":0.99609375,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.07537616789340973},{"word":"because","start":684.115,"end":684.435,"confidence":0.85595703,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.04257524758577347},{"word":"my","start":684.435,"end":684.595,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.06945320963859558},{"word":"driving","start":684.595,"end":684.915,"confidence":0.90478516,"punctuated_word":"driving","sentiment":"neutral","sentiment_score":0.0257900170981884},{"word":"license","start":684.915,"end":685.39496,"confidence":0.9970703,"punctuated_word":"license","sentiment":"neutral","sentiment_score":0.035272400826215744},{"word":"is","start":685.39496,"end":685.555,"confidence":0.6899414,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04146050661802292},{"word":"then","start":685.555,"end":685.795,"confidence":0.7675781,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0814678817987442},{"word":"gonna","start":685.795,"end":686.035,"confidence":0.97314453,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.04633468762040138},{"word":"need","start":686.035,"end":686.195,"confidence":0.9863281,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.057152099907398224},{"word":"to","start":686.195,"end":686.27496,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07149461656808853},{"word":"be","start":686.27496,"end":686.515,"confidence":0.9941406,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0723569393157959},{"word":"updated","start":686.515,"end":686.995,"confidence":0.8405762,"punctuated_word":"updated.","sentiment":"neutral","sentiment_score":0.05479877442121506},{"word":"and","start":686.995,"end":687.495,"confidence":0.9921875,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04203680530190468},{"word":"so","start":687.635,"end":687.875,"confidence":0.9248047,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.04626475274562836},{"word":"she","start":687.875,"end":688.035,"confidence":0.9980469,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.03420322760939598},{"word":"said","start":688.035,"end":688.27496,"confidence":1.0,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.042408235371112823},{"word":"wait","start":688.27496,"end":688.515,"confidence":0.5078125,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":0.04106699675321579},{"word":"till","start":688.515,"end":688.755,"confidence":0.9951172,"punctuated_word":"till","sentiment":"neutral","sentiment_score":0.04042381793260574},{"word":"after","start":688.755,"end":689.075,"confidence":0.98828125,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.03629530966281891},{"word":"that","start":689.075,"end":689.575,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04120085388422012},{"word":"is","start":689.71497,"end":689.955,"confidence":0.9135742,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.031123045831918716},{"word":"till","start":690.035,"end":690.355,"confidence":0.9873047,"punctuated_word":"till","sentiment":"neutral","sentiment_score":0.03178508207201958},{"word":"your","start":690.355,"end":690.595,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04149810224771499},{"word":"driving","start":690.595,"end":690.915,"confidence":0.93847656,"punctuated_word":"driving","sentiment":"neutral","sentiment_score":0.03431723266839981},{"word":"license","start":690.915,"end":691.235,"confidence":0.97998047,"punctuated_word":"license","sentiment":"neutral","sentiment_score":0.061988599598407745},{"word":"has","start":691.235,"end":691.39496,"confidence":0.85546875,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.04874748736619949},{"word":"been","start":691.39496,"end":691.635,"confidence":0.9980469,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.07720980048179626},{"word":"renewed","start":691.635,"end":691.955,"confidence":0.7780762,"punctuated_word":"renewed,","sentiment":"neutral","sentiment_score":0.055169135332107544},{"word":"and","start":691.955,"end":692.115,"confidence":0.95703125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07022187858819962},{"word":"i'll","start":692.115,"end":692.27496,"confidence":0.9890137,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0791090875864029},{"word":"send","start":692.27496,"end":692.595,"confidence":0.9970703,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.06341687589883804},{"word":"the","start":692.595,"end":692.755,"confidence":0.8828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07724273204803467},{"word":"new","start":692.755,"end":692.915,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.0572761707007885},{"word":"forms","start":692.915,"end":693.415,"confidence":0.9926758,"punctuated_word":"forms.","sentiment":"neutral","sentiment_score":0.0737665593624115},{"word":"yeah","start":698.46,"end":698.7,"confidence":0.99658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0309970248490572},{"word":"yeah","start":698.7,"end":699.2,"confidence":0.99194336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02392137236893177},{"word":"no","start":700.06,"end":700.38,"confidence":0.99609375,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.011590497568249702},{"word":"that's","start":700.38,"end":700.62,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.045661561191082},{"word":"fine","start":700.62,"end":701.02,"confidence":0.9995117,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.03181286156177521},{"word":"email","start":701.02,"end":701.34,"confidence":0.9921875,"punctuated_word":"Email","sentiment":"neutral","sentiment_score":0.05806570872664451},{"word":"and","start":701.34,"end":701.58,"confidence":0.9140625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.060090139508247375},{"word":"printed","start":701.58,"end":701.98004,"confidence":0.52441406,"punctuated_word":"printed","sentiment":"neutral","sentiment_score":0.04406365379691124},{"word":"is","start":701.98004,"end":702.14,"confidence":0.9873047,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06175949051976204},{"word":"fine","start":702.14,"end":702.64,"confidence":1.0,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.0810694694519043},{"word":"yeah","start":710.445,"end":710.945,"confidence":0.74194336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.023998189717531204},{"word":"okay","start":713.885,"end":714.385,"confidence":0.9914551,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.055347785353660583},{"word":"okay","start":719.80505,"end":720.05505,"confidence":0.85302734,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1627824753522873},{"word":"perfect","start":720.05505,"end":720.55505,"confidence":0.8647461,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.33562585711479187},{"word":"yep","start":725.11,"end":725.61,"confidence":0.97314453,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.155798077583313},{"word":"yep","start":727.91,"end":728.41,"confidence":0.83154297,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18516266345977783},{"word":"yeah","start":737.95496,"end":738.45496,"confidence":0.79052734,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2242391407489777},{"word":"yeah","start":743.475,"end":743.71497,"confidence":0.7763672,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10256454348564148},{"word":"oh","start":743.71497,"end":743.95496,"confidence":0.8234863,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.08994510769844055},{"word":"yeah","start":743.95496,"end":744.115,"confidence":0.9885254,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.05493788048624992},{"word":"perfect","start":744.115,"end":744.615,"confidence":0.99902344,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6250511407852173},{"word":"yep","start":755.39,"end":755.70996,"confidence":0.9394531,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2246200293302536},{"word":"awesome","start":755.70996,"end":756.20996,"confidence":0.99609375,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.5562133193016052},{"word":"and","start":756.67,"end":756.83,"confidence":0.9951172,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2892725467681885},{"word":"i","start":756.83,"end":756.99,"confidence":0.8173828,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2678968012332916},{"word":"was","start":756.99,"end":757.14996,"confidence":0.5205078,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.24473190307617188},{"word":"just","start":757.14996,"end":757.31,"confidence":0.9921875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.21673992276191711},{"word":"like","start":757.31,"end":757.47,"confidence":0.82177734,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.23926785588264465},{"word":"is","start":757.55,"end":757.70996,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.21255992352962497},{"word":"it","start":757.70996,"end":757.79,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.153237447142601},{"word":"just","start":757.79,"end":757.95,"confidence":0.9902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.140029177069664},{"word":"like","start":757.95,"end":758.19,"confidence":0.8354492,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.15244585275650024},{"word":"a","start":758.19,"end":758.26996,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17140591144561768},{"word":"doc","start":758.26996,"end":758.51,"confidence":0.8408203,"punctuated_word":"doc","sentiment":"neutral","sentiment_score":0.2158682942390442},{"word":"you're","start":758.51,"end":758.75,"confidence":0.92211914,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.18274745345115664},{"word":"saying","start":758.75,"end":758.99,"confidence":0.9980469,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":0.17578935623168945},{"word":"just","start":758.99,"end":759.23,"confidence":0.9560547,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18715070188045504},{"word":"to","start":759.23,"end":759.39,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17735451459884644},{"word":"send","start":759.39,"end":759.70996,"confidence":0.9980469,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.20979498326778412},{"word":"back","start":759.70996,"end":760.20996,"confidence":0.99853516,"punctuated_word":"back?","sentiment":"neutral","sentiment_score":0.21109390258789065},{"word":"yep","start":766.075,"end":766.39496,"confidence":0.9387207,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11780725419521332},{"word":"yep","start":766.39496,"end":766.89496,"confidence":0.83496094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09400423616170885},{"word":"yep","start":776.235,"end":776.735,"confidence":0.80371094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.041646506637334824},{"word":"yeah","start":781.48,"end":781.98,"confidence":0.7449951,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.013169754296541214},{"word":"yep","start":786.76,"end":787.24,"confidence":0.9645996,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.018984049558639526},{"word":"yeah","start":787.24,"end":787.74,"confidence":0.83154297,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.013643583282828333},{"word":"yeah","start":788.92,"end":789.24,"confidence":0.8876953,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.002413366921246052},{"word":"i","start":789.24,"end":789.32,"confidence":0.9291992,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03598393499851227},{"word":"was","start":789.32,"end":789.48,"confidence":0.9941406,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.05965575575828552},{"word":"just","start":789.48,"end":789.72,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.05117319151759147},{"word":"doing","start":789.72,"end":790.04,"confidence":0.56689453,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.0493769571185112},{"word":"now","start":790.04,"end":790.54,"confidence":0.6365967,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.04178397357463837},{"word":"yeah","start":800.055,"end":800.135,"confidence":0.7298584,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.00758045818656683},{"word":"okay","start":800.135,"end":800.635,"confidence":0.9904785,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.007608223240822554},{"word":"well","start":805.255,"end":805.735,"confidence":0.7937012,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.059525638818740845},{"word":"no","start":805.735,"end":805.975,"confidence":0.90234375,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.10289551317691804},{"word":"that's","start":805.975,"end":806.21497,"confidence":0.93115234,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.08467930555343628},{"word":"that","start":806.295,"end":806.375,"confidence":0.5805664,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11316430568695068},{"word":"i","start":806.455,"end":806.535,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1051998808979988},{"word":"think","start":806.535,"end":806.695,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.10370492935180664},{"word":"that","start":806.695,"end":806.855,"confidence":0.98828125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09102503955364229},{"word":"was","start":806.855,"end":807.095,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.09178807586431505},{"word":"one","start":807.095,"end":807.255,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.116155244410038},{"word":"of","start":807.255,"end":807.335,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09911620616912842},{"word":"the","start":807.335,"end":807.495,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09734638780355452},{"word":"issues","start":807.495,"end":807.815,"confidence":1.0,"punctuated_word":"issues","sentiment":"neutral","sentiment_score":-0.08645592629909515},{"word":"with","start":807.815,"end":807.975,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.13079795241355896},{"word":"the","start":807.975,"end":808.135,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09917082637548448},{"word":"beneficiary","start":808.135,"end":808.635,"confidence":0.9326172,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":-0.07043018937110901},{"word":"form","start":808.855,"end":809.175,"confidence":0.7792969,"punctuated_word":"form","sentiment":"neutral","sentiment_score":-0.09818580746650696},{"word":"last","start":809.175,"end":809.49,"confidence":0.99902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.07156506180763245},{"word":"year","start":809.49,"end":809.81,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.08438500016927719},{"word":"because","start":809.81,"end":810.31,"confidence":0.8178711,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.10258536040782928},{"word":"my","start":810.45,"end":810.77,"confidence":0.8852539,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.12320198118686676},{"word":"work","start":810.77,"end":811.17,"confidence":0.9980469,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.12680430710315704},{"word":"signature","start":811.17,"end":811.67,"confidence":0.9716797,"punctuated_word":"signature","sentiment":"neutral","sentiment_score":-0.09244779497385024},{"word":"is","start":811.73,"end":811.89,"confidence":0.90234375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.12283112108707428},{"word":"just","start":811.89,"end":812.20996,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.09459145367145538},{"word":"squiggle","start":812.20996,"end":812.70996,"confidence":0.71402997,"punctuated_word":"squiggle,","sentiment":"neutral","sentiment_score":-0.1045040637254715},{"word":"and","start":813.25,"end":813.49,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.10172651708126068},{"word":"my","start":813.49,"end":813.73,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.0866912305355072},{"word":"driving","start":813.73,"end":814.13,"confidence":0.66015625,"punctuated_word":"driving","sentiment":"neutral","sentiment_score":-0.086400106549263},{"word":"license","start":814.13,"end":814.52997,"confidence":0.9921875,"punctuated_word":"license","sentiment":"neutral","sentiment_score":-0.08176326006650925},{"word":"signature","start":814.52997,"end":814.93,"confidence":0.9921875,"punctuated_word":"signature","sentiment":"neutral","sentiment_score":-0.08068610727787018},{"word":"is","start":814.93,"end":815.08997,"confidence":0.94140625,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.10370133072137833},{"word":"an","start":815.08997,"end":815.25,"confidence":0.99609375,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.08322490751743317},{"word":"actual","start":815.25,"end":815.49,"confidence":0.99902344,"punctuated_word":"actual","sentiment":"neutral","sentiment_score":-0.09264469146728516},{"word":"proper","start":815.49,"end":815.89,"confidence":0.9589844,"punctuated_word":"proper","sentiment":"neutral","sentiment_score":-0.08895865827798843},{"word":"signature","start":815.89,"end":816.29,"confidence":0.7841797,"punctuated_word":"signature.","sentiment":"neutral","sentiment_score":-0.09307397902011871},{"word":"and","start":816.29,"end":816.52997,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.05854589492082596},{"word":"i","start":816.52997,"end":816.69,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06786369532346725},{"word":"think","start":816.69,"end":816.93,"confidence":0.96972656,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.05077166482806206},{"word":"i","start":816.93,"end":817.01,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06199152022600174},{"word":"had","start":817.01,"end":817.17,"confidence":0.9951172,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.05086979269981384},{"word":"to","start":817.17,"end":817.33,"confidence":0.8769531,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.037967197597026825},{"word":"squiggle","start":817.33,"end":817.81,"confidence":0.9199219,"punctuated_word":"squiggle","sentiment":"neutral","sentiment_score":-0.04080808535218239},{"word":"instead","start":817.81,"end":818.13,"confidence":0.88720703,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":-0.05812474712729454},{"word":"of","start":818.13,"end":818.63,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04592184349894523},{"word":"written","start":818.69,"end":819.01,"confidence":0.8310547,"punctuated_word":"written","sentiment":"neutral","sentiment_score":-0.0675685778260231},{"word":"my","start":819.01,"end":819.51,"confidence":0.9790039,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.05308064445853233},{"word":"signature","start":819.97,"end":820.45,"confidence":0.7890625,"punctuated_word":"signature,","sentiment":"neutral","sentiment_score":-0.0574834868311882},{"word":"so","start":820.45,"end":820.61,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.034019507467746735},{"word":"i'll","start":820.61,"end":820.77,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.02075420878827572},{"word":"make","start":820.77,"end":820.93,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.029427362605929375},{"word":"sure","start":820.93,"end":821.17,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.022830361500382423},{"word":"it's","start":821.17,"end":821.25,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.024488789960741997},{"word":"a","start":821.25,"end":821.41,"confidence":0.96777344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.023514244705438617},{"word":"driving","start":821.41,"end":821.73,"confidence":0.9223633,"punctuated_word":"driving","sentiment":"neutral","sentiment_score":-0.04340677708387375},{"word":"license","start":821.73,"end":822.13,"confidence":0.9970703,"punctuated_word":"license","sentiment":"neutral","sentiment_score":-0.034362804144620895},{"word":"signature","start":822.13,"end":822.63,"confidence":0.99853516,"punctuated_word":"signature.","sentiment":"neutral","sentiment_score":-0.031838975846767426},{"word":"no","start":831.245,"end":831.645,"confidence":0.99072266,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.017246969044208527},{"word":"nothing","start":831.645,"end":832.125,"confidence":0.9946289,"punctuated_word":"Nothing.","sentiment":"neutral","sentiment_score":0.0719010978937149},{"word":"that","start":832.125,"end":832.28503,"confidence":0.9970703,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.3582766354084015},{"word":"sounds","start":832.28503,"end":832.525,"confidence":0.9506836,"punctuated_word":"sounds","sentiment":"positive","sentiment_score":0.528008759021759},{"word":"awesome","start":832.525,"end":833.025,"confidence":0.99902344,"punctuated_word":"awesome.","sentiment":"positive","sentiment_score":0.377665251493454},{"word":"thank","start":833.085,"end":833.325,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5819462537765503},{"word":"you","start":833.325,"end":833.485,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6214883923530579},{"word":"so","start":833.485,"end":833.72504,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.6502646207809448},{"word":"much","start":833.72504,"end":834.22504,"confidence":1.0,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.5734211206436157},{"word":"yep","start":843.42004,"end":843.92004,"confidence":0.81518555,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1113702654838562},{"word":"yep","start":849.02,"end":849.52,"confidence":0.92871094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18557338416576383},{"word":"yep","start":852.235,"end":852.735,"confidence":0.77734375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11145031452178956},{"word":"beautiful","start":854.875,"end":855.375,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.816707968711853},{"word":"sounds","start":855.675,"end":855.995,"confidence":0.99609375,"punctuated_word":"Sounds","sentiment":"positive","sentiment_score":0.9027816653251648},{"word":"good","start":855.995,"end":856.495,"confidence":0.9975586,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.8532191514968872},{"word":"awesome","start":861.515,"end":861.915,"confidence":0.99853516,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.8336540460586548},{"word":"thank","start":861.915,"end":862.075,"confidence":0.9980469,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.8474587202072144},{"word":"you","start":862.075,"end":862.235,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8824868202209473},{"word":"so","start":862.235,"end":862.39496,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.857218325138092},{"word":"much","start":862.39496,"end":862.71497,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.9047414064407348},{"word":"for","start":862.71497,"end":862.875,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.884529709815979},{"word":"your","start":862.875,"end":863.035,"confidence":0.9970703,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.8924288749694824},{"word":"call","start":863.035,"end":863.535,"confidence":1.0,"punctuated_word":"call.","sentiment":"positive","sentiment_score":0.8413206338882446},{"word":"cheers","start":865.33093,"end":865.7309,"confidence":0.98860675,"punctuated_word":"Cheers.","sentiment":"positive","sentiment_score":0.5689884424209595},{"word":"take","start":865.7309,"end":866.2309,"confidence":0.99902344,"punctuated_word":"Take","sentiment":"positive","sentiment_score":0.4420486688613891},{"word":"care","start":867.67596,"end":867.92596,"confidence":0.99902344,"punctuated_word":"care.","sentiment":"positive","sentiment_score":0.4689065217971802},{"word":"bye","start":867.92596,"end":868.17596,"confidence":0.9980469,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.07958009093999863}],"paragraphs":{"transcript":"\nHello? Good. Thank you. How are you? Well, we went to watch Scotland play in the World Cup, and they got beat three nil, so it's not been the best day in the world.\n\nWe did. I can imagine. I do, but there's not really a lot I've gotta discuss. I was trying to say that to your colleague when she called the other day. I don't think there's a lot that we've got going on that we wanna change in the next kind of six months.\n\nWe just refinanced, so we've just went with a different bank with our mortgage and just kind of consolidated some debts and just kinda put some things together so that we are kinda more up to date with what we wanna pay out. So, yeah, we've already kinda sorted that this year. And other than that, we were looking at investment properties, but that's probably gonna be a next year thing. That's probably yeah. I think so.\n\nI think just kinda let everything get back to an even par and then look at it again then. But that's pretty much it. There's not a lot much more going on for us. Yep. Yep.\n\nYep. Yeah. Of course. Of course. Yeah.\n\nIt is. It's Scotland. Yep. Yeah. I'm happy to review it afterwards.\n\nYes. Okay. Yep. Yep. Yeah.\n\nOf course. I did. Yes. I was still paying that, so it was something I'm a little bit hesitant to stop paying because I know that if something happens to either myself or Kev, the Suncorp life insurance will cover either of us in terms of the mortgage and stuff. And from what I'm my understanding is the superannuation or the Sunsuper life insurance policy that we have with super is not as great as the sun as the Suncorp one that we have.\n\nSo I don't know whether I need to increase the superannuation one before I get rid of this Suncorp one, if that makes sense. Oh, yeah. Yep. Yep. Yeah.\n\nYeah. Yeah. Okay. Yeah. Of course.\n\nOkay. Yep. Yeah. Of course. No.\n\nI'm happy to do that. Like, I wasn't even aware at one point that this evaluation offers a life insurance element. So we just thought we were insuring ourselves privately. But, yeah, that's fine. I'm happy to contact them and we're just that if that's, yeah, if that's gonna benefit us in the long run to do that.\n\nPerfect. Okay. Awesome. Yep. Yep.\n\nYep. Yeah. Yep. Yeah. Of course.\n\nYep. Yeah. Yeah. Yeah. I think someone I think last year, they had advised me as well that in terms of life insurance, because I am a police officer, it's difficult.\n\nA lot of people will up their life insurance policies quite a bit because I am in a high risk job, whereas the QSuper kind of set standard is, yeah, for everyone. So we don't wanna let go of that anyway. Yeah. Yep. Yeah.\n\nPerfect. Yep. Yep. Yeah. Of course.\n\nNo problem. We are 26 Mil Luca Circuit. No. It's probably around about the same. Maybe 125.\n\nYeah. So we're at probably about 1.8 mil value. We've got $808,104,000 owing. So that's what the new mortgage, remortgages. And there's probably we've refinanced.\n\nWe've listed we paid off Kevin's car, so that was why we've done that. So what will be in the offset? We're not gonna call it an offset. We're just gonna put it in a redraw facility. So there'll be probably a 100,000 in the redraw.\n\nYeah. That's still there. Perfect. We actually didn't. We we both of us need to do that.\n\nLike, that's something that we need to really do pretty urgently, but it hasn't been finalized yet. I think Kev went through the union, and we sent him some documents, and he filled something out, but he probably stopped halfway through. But we need to get that sorted, like, ASAP. Yeah. Are they alright, though?\n\nYeah. No. No. No. No.\n\nNo. It's pretty basic. It would be pretty basic. Yep. Yeah.\n\nYeah. Yep. Yep. Yep. No.\n\nJust continue it. If anything changes, I'll let you guys know. The only thing that she was holding off on was my driving license is due to be renewed in July. So she didn't wanna she didn't wanna prefill the forms and send them out because my driving license is then gonna need to be updated. And so she said wait till after that is till your driving license has been renewed, and I'll send the new forms.\n\nYeah. Yeah. No. That's fine. Email and printed is fine.\n\nYeah. Okay. Okay. Perfect. Yep.\n\nYep. Yeah. Yeah. Oh, yeah. Perfect.\n\nYep. Awesome. And I was just like is it just like a doc you're saying just to send back? Yep. Yep.\n\nYep. Yeah. Yep. Yeah. Yeah.\n\nI was just doing now. Yeah. Okay. Well, no. That's that I think that was one of the issues with the beneficiary form last year because my work signature is just squiggle, and my driving license signature is an actual proper signature.\n\nAnd I think I had to squiggle instead of written my signature, so I'll make sure it's a driving license signature. No. Nothing. That sounds awesome. Thank you so much.\n\nYep. Yep. Yep. Beautiful. Sounds good.\n\nAwesome. Thank you so much for your call. Cheers. Take care. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":5.12,"end":5.62,"sentiment":"neutral","sentiment_score":0.10777638852596284},{"text":"Good.","start":7.9199996,"end":8.32,"sentiment":"positive","sentiment_score":0.43868428468704224},{"text":"Thank you.","start":8.32,"end":8.72,"sentiment":"positive","sentiment_score":0.5074880123138428},{"text":"How are you?","start":8.72,"end":9.54,"sentiment":"neutral","sentiment_score":0.29753629366556805},{"text":"Well, we went to watch Scotland play in the World Cup, and they got beat three nil, so it's not been the best day in the world.","start":14.719999,"end":20.555,"sentiment":"neutral","sentiment_score":-0.11092943753357287}],"sentiment":"neutral","sentiment_score":-0.015913212781443316,"num_words":34,"start":5.12,"end":20.555},{"sentences":[{"text":"We did.","start":26.695,"end":27.355,"sentiment":"neutral","sentiment_score":-0.10084044188261032},{"text":"I can imagine.","start":31.93,"end":32.83,"sentiment":"neutral","sentiment_score":-0.10386939098437627},{"text":"I do, but there's not really a lot I've gotta discuss.","start":44.025,"end":46.585,"sentiment":"neutral","sentiment_score":-0.06356543590399352},{"text":"I was trying to say that to your colleague when she called the other day.","start":46.585,"end":49.785,"sentiment":"neutral","sentiment_score":-0.0754381778339545},{"text":"I don't think there's a lot that we've got going on that we wanna change in the next kind of six months.","start":49.785,"end":55.165,"sentiment":"neutral","sentiment_score":-0.16116009246219287}],"sentiment":"neutral","sentiment_score":-0.1111245953460347,"num_words":53,"start":26.695,"end":55.165},{"sentences":[{"text":"We just refinanced, so we've just went with a different bank with our mortgage and just kind of consolidated some debts and just kinda put some things together so that we are kinda more up to date with what we wanna pay out.","start":56.86,"end":73.145004,"sentiment":"neutral","sentiment_score":0.08876333190777967},{"text":"So, yeah, we've already kinda sorted that this year.","start":74.405,"end":76.885,"sentiment":"neutral","sentiment_score":0.07122633068097962},{"text":"And other than that, we were looking at investment properties, but that's probably gonna be a next year thing.","start":76.885,"end":82.265,"sentiment":"neutral","sentiment_score":0.00585638329778847},{"text":"That's probably yeah.","start":83.86,"end":87.54,"sentiment":"neutral","sentiment_score":-0.004307860198120276},{"text":"I think so.","start":87.54,"end":88.26,"sentiment":"neutral","sentiment_score":0.02083175505201022}],"sentiment":"neutral","sentiment_score":0.059983158641337575,"num_words":77,"start":56.86,"end":88.26},{"sentences":[{"text":"I think just kinda let everything get back to an even par and then look at it again then.","start":88.26,"end":93.32,"sentiment":"neutral","sentiment_score":0.05144023091385239},{"text":"But that's pretty much it.","start":94.74,"end":95.78,"sentiment":"neutral","sentiment_score":-0.02168102003633976},{"text":"There's not a lot much more going on for us.","start":95.78,"end":97.905,"sentiment":"neutral","sentiment_score":-0.13434335291385652},{"text":"Yep.","start":104.305,"end":104.805,"sentiment":"neutral","sentiment_score":0.15973803400993347},{"text":"Yep.","start":111.025,"end":111.525,"sentiment":"neutral","sentiment_score":0.14299504458904266}],"sentiment":"neutral","sentiment_score":-0.0047705878710581195,"num_words":36,"start":88.26,"end":111.525},{"sentences":[{"text":"Yep.","start":117.68,"end":118.18,"sentiment":"neutral","sentiment_score":0.08467079699039459},{"text":"Yeah.","start":118.56,"end":118.88,"sentiment":"neutral","sentiment_score":0.10643599927425385},{"text":"Of course.","start":118.88,"end":119.619995,"sentiment":"neutral","sentiment_score":0.16918286681175232},{"text":"Of course.","start":125.92,"end":126.659996,"sentiment":"neutral","sentiment_score":0.04004162177443504},{"text":"Yeah.","start":128.755,"end":129.075,"sentiment":"neutral","sentiment_score":0.06361345201730728}],"sentiment":"neutral","sentiment_score":0.09616703220776149,"num_words":7,"start":117.68,"end":129.075},{"sentences":[{"text":"It is.","start":129.075,"end":129.315,"sentiment":"neutral","sentiment_score":0.05403996258974075},{"text":"It's Scotland.","start":129.315,"end":129.895,"sentiment":"neutral","sentiment_score":0.06219051592051983},{"text":"Yep.","start":133.315,"end":133.815,"sentiment":"neutral","sentiment_score":0.2138681858778},{"text":"Yeah.","start":140.27501,"end":140.515,"sentiment":"neutral","sentiment_score":0.19420839846134183},{"text":"I'm happy to review it afterwards.","start":140.515,"end":141.975,"sentiment":"positive","sentiment_score":0.351343775788943}],"sentiment":"neutral","sentiment_score":0.22905001634111008,"num_words":12,"start":129.075,"end":141.975},{"sentences":[{"text":"Yes.","start":153.15,"end":153.65,"sentiment":"neutral","sentiment_score":0.0127660995349288},{"text":"Okay.","start":163.29501,"end":163.79501,"sentiment":"neutral","sentiment_score":0.04398111253976822},{"text":"Yep.","start":170.31001,"end":170.81001,"sentiment":"neutral","sentiment_score":-0.10610153526067734},{"text":"Yep.","start":184.31001,"end":184.81001,"sentiment":"neutral","sentiment_score":-0.058116912841796875},{"text":"Yeah.","start":201.98999,"end":202.31,"sentiment":"neutral","sentiment_score":0.08223039656877518}],"sentiment":"neutral","sentiment_score":-0.005048167891800404,"num_words":5,"start":153.15,"end":202.31},{"sentences":[{"text":"Of course.","start":202.31,"end":202.89,"sentiment":"neutral","sentiment_score":0.0914624035358429},{"text":"I did.","start":215.045,"end":215.685,"sentiment":"neutral","sentiment_score":0.15800229460000992},{"text":"Yes.","start":215.685,"end":216.185,"sentiment":"neutral","sentiment_score":0.18626579642295835},{"text":"I was still paying that, so it was something I'm a little bit hesitant to stop paying because I know that if something happens to either myself or Kev, the Suncorp life insurance will cover either of us in terms of the mortgage and stuff.","start":217.525,"end":231.95001,"sentiment":"neutral","sentiment_score":-0.1797889605164528},{"text":"And from what I'm my understanding is the superannuation or the Sunsuper life insurance policy that we have with super is not as great as the sun as the Suncorp one that we have.","start":232.01001,"end":245.915,"sentiment":"negative","sentiment_score":-0.3835982272730154}],"sentiment":"neutral","sentiment_score":-0.24342437806938375,"num_words":84,"start":202.31,"end":245.915},{"sentences":[{"text":"So I don't know whether I need to increase the superannuation one before I get rid of this Suncorp one, if that makes sense.","start":245.915,"end":254.87001,"sentiment":"neutral","sentiment_score":-0.31028313127656776},{"text":"Oh, yeah.","start":266.565,"end":267.225,"sentiment":"neutral","sentiment_score":0.0862971693277359},{"text":"Yep.","start":270.965,"end":271.465,"sentiment":"neutral","sentiment_score":0.07827270776033401},{"text":"Yep.","start":273.92502,"end":274.42502,"sentiment":"neutral","sentiment_score":0.005354882683604956},{"text":"Yeah.","start":275.045,"end":275.20502,"sentiment":"neutral","sentiment_score":0.050175875425338745}],"sentiment":"neutral","sentiment_score":-0.24622059814182334,"num_words":29,"start":245.915,"end":275.20502},{"sentences":[{"text":"Yeah.","start":275.20502,"end":275.36502,"sentiment":"neutral","sentiment_score":0.05898907035589218},{"text":"Yeah.","start":275.36502,"end":275.86502,"sentiment":"neutral","sentiment_score":0.06998556852340698},{"text":"Okay.","start":295.70502,"end":296.20502,"sentiment":"neutral","sentiment_score":-0.15397639572620392},{"text":"Yeah.","start":300.905,"end":301.145,"sentiment":"neutral","sentiment_score":0.04644165933132171},{"text":"Of course.","start":301.145,"end":301.74,"sentiment":"neutral","sentiment_score":0.0495089627802372}],"sentiment":"neutral","sentiment_score":0.02007630467414856,"num_words":6,"start":275.20502,"end":301.74},{"sentences":[{"text":"Okay.","start":316.705,"end":317.205,"sentiment":"neutral","sentiment_score":0.04672199487686157},{"text":"Yep.","start":325.985,"end":326.485,"sentiment":"neutral","sentiment_score":0.2058359682559967},{"text":"Yeah.","start":330.945,"end":331.26498,"sentiment":"neutral","sentiment_score":0.14746832847595215},{"text":"Of course.","start":331.26498,"end":331.925,"sentiment":"neutral","sentiment_score":0.12263623625040054},{"text":"No.","start":332.28,"end":332.52,"sentiment":"neutral","sentiment_score":-0.08963456749916077}],"sentiment":"neutral","sentiment_score":0.09261069943507512,"num_words":6,"start":316.705,"end":332.52},{"sentences":[{"text":"I'm happy to do that.","start":332.52,"end":333.48,"sentiment":"neutral","sentiment_score":-0.002263035625219345},{"text":"Like, I wasn't even aware at one point that this evaluation offers a life insurance element.","start":333.48,"end":339.08,"sentiment":"neutral","sentiment_score":0.03935232013463974},{"text":"So we just thought we were insuring ourselves privately.","start":339.08,"end":341.66,"sentiment":"neutral","sentiment_score":0.010735899209976196},{"text":"But, yeah, that's fine.","start":342.52,"end":344.36,"sentiment":"positive","sentiment_score":0.3600523825734854},{"text":"I'm happy to contact them and we're just that if that's, yeah, if that's gonna benefit us in the long run to do that.","start":344.36,"end":352.42502,"sentiment":"positive","sentiment_score":0.6643520692984263}],"sentiment":"neutral","sentiment_score":0.3120621419030017,"num_words":58,"start":332.52,"end":352.42502},{"sentences":[{"text":"Perfect.","start":357.605,"end":358.105,"sentiment":"positive","sentiment_score":0.5943178534507751},{"text":"Okay.","start":362.48502,"end":362.98502,"sentiment":"positive","sentiment_score":0.5354613065719604},{"text":"Awesome.","start":363.6,"end":364.1,"sentiment":"positive","sentiment_score":0.7429207563400269},{"text":"Yep.","start":372.47998,"end":372.97998,"sentiment":"neutral","sentiment_score":0.1021282896399498},{"text":"Yep.","start":376.72,"end":377.145,"sentiment":"neutral","sentiment_score":0.06403283774852753}],"sentiment":"positive","sentiment_score":0.40777220875024794,"num_words":5,"start":357.605,"end":377.145},{"sentences":[{"text":"Yep.","start":378.585,"end":379.085,"sentiment":"neutral","sentiment_score":0.11659781634807588},{"text":"Yeah.","start":389.065,"end":389.565,"sentiment":"neutral","sentiment_score":0.0030151773244142532},{"text":"Yep.","start":390.10498,"end":390.60498,"sentiment":"neutral","sentiment_score":0.006891356315463781},{"text":"Yeah.","start":397.66998,"end":397.91,"sentiment":"neutral","sentiment_score":0.08992759883403778},{"text":"Of course.","start":397.91,"end":398.65,"sentiment":"neutral","sentiment_score":0.12769994139671326}],"sentiment":"neutral","sentiment_score":0.0786386386025697,"num_words":6,"start":378.585,"end":398.65},{"sentences":[{"text":"Yep.","start":410.405,"end":410.905,"sentiment":"neutral","sentiment_score":0.18838807940483093},{"text":"Yeah.","start":416.565,"end":416.80502,"sentiment":"neutral","sentiment_score":0.2061266154050827},{"text":"Yeah.","start":416.80502,"end":417.045,"sentiment":"neutral","sentiment_score":0.2209067940711975},{"text":"Yeah.","start":417.045,"end":417.45,"sentiment":"neutral","sentiment_score":0.2691190242767334},{"text":"I think someone I think last year, they had advised me as well that in terms of life insurance, because I am a police officer, it's difficult.","start":418.01,"end":427.23,"sentiment":"neutral","sentiment_score":-0.040847083622658695}],"sentiment":"neutral","sentiment_score":-0.007042927246901296,"num_words":31,"start":410.405,"end":427.23},{"sentences":[{"text":"A lot of people will up their life insurance policies quite a bit because I am in a high risk job, whereas the QSuper kind of set standard is, yeah, for everyone.","start":428.41,"end":439.195,"sentiment":"neutral","sentiment_score":-0.15699647599831223},{"text":"So we don't wanna let go of that anyway.","start":439.255,"end":441.835,"sentiment":"neutral","sentiment_score":-0.1827897975842158},{"text":"Yeah.","start":449.38998,"end":449.88998,"sentiment":"neutral","sentiment_score":0.0776001513004303},{"text":"Yep.","start":455.79,"end":456.29,"sentiment":"neutral","sentiment_score":0.24259452521800995},{"text":"Yeah.","start":456.43,"end":456.83,"sentiment":"positive","sentiment_score":0.35362309217453003}],"sentiment":"neutral","sentiment_score":-0.13625403730706734,"num_words":44,"start":428.41,"end":456.83},{"sentences":[{"text":"Perfect.","start":456.83,"end":457.33,"sentiment":"positive","sentiment_score":0.5027729272842407},{"text":"Yep.","start":473.47,"end":473.97,"sentiment":"neutral","sentiment_score":0.25396791100502014},{"text":"Yep.","start":476.51,"end":477.01,"sentiment":"neutral","sentiment_score":0.18061041831970215},{"text":"Yeah.","start":483.71,"end":484.03,"sentiment":"neutral","sentiment_score":0.06680671870708466},{"text":"Of course.","start":484.03,"end":484.43,"sentiment":"neutral","sentiment_score":0.06769386678934097}],"sentiment":"neutral","sentiment_score":0.18992428481578827,"num_words":6,"start":456.83,"end":484.43},{"sentences":[{"text":"No problem.","start":484.43,"end":485.16998,"sentiment":"neutral","sentiment_score":0.12714333459734917},{"text":"We are 26 Mil Luca Circuit.","start":491.79498,"end":494.135,"sentiment":"neutral","sentiment_score":0.044211672618985176},{"text":"No.","start":502.44998,"end":502.77,"sentiment":"neutral","sentiment_score":-0.01612071320414543},{"text":"It's probably around about the same.","start":502.77,"end":504.53,"sentiment":"neutral","sentiment_score":-0.031941348065932594},{"text":"Maybe 125.","start":504.53,"end":506.06998,"sentiment":"neutral","sentiment_score":0.0038258004933595666}],"sentiment":"neutral","sentiment_score":0.018790559076211032,"num_words":17,"start":484.43,"end":506.06998},{"sentences":[{"text":"Yeah.","start":519.745,"end":520.06494,"sentiment":"neutral","sentiment_score":0.021005699411034584},{"text":"So we're at probably about 1.8 mil value.","start":520.06494,"end":523.76495,"sentiment":"neutral","sentiment_score":-0.009296274976804852},{"text":"We've got $808,104,000 owing.","start":525.58496,"end":531.14996,"sentiment":"neutral","sentiment_score":-0.0025872245896607637},{"text":"So that's what the new mortgage, remortgages.","start":531.20996,"end":533.39,"sentiment":"neutral","sentiment_score":-0.07564792569194521},{"text":"And there's probably we've refinanced.","start":534.41,"end":538.51,"sentiment":"neutral","sentiment_score":-0.1087323471903801}],"sentiment":"neutral","sentiment_score":-0.04547642458230257,"num_words":25,"start":519.745,"end":538.51},{"sentences":[{"text":"We've listed we paid off Kevin's car, so that was why we've done that.","start":538.64996,"end":543.805,"sentiment":"neutral","sentiment_score":0.007250855876398938},{"text":"So what will be in the offset?","start":543.865,"end":546.205,"sentiment":"neutral","sentiment_score":0.0008723797675754343},{"text":"We're not gonna call it an offset.","start":546.345,"end":547.705,"sentiment":"neutral","sentiment_score":-0.03722327122730868},{"text":"We're just gonna put it in a redraw facility.","start":547.705,"end":549.645,"sentiment":"neutral","sentiment_score":0.00794432508862681},{"text":"So there'll be probably a 100,000 in the redraw.","start":550.265,"end":553.98004,"sentiment":"neutral","sentiment_score":0.04644324071705341}],"sentiment":"neutral","sentiment_score":0.00731617031092553,"num_words":46,"start":538.64996,"end":553.98004},{"sentences":[{"text":"Yeah.","start":560.76,"end":561.08,"sentiment":"neutral","sentiment_score":0.11732061952352524},{"text":"That's still there.","start":561.08,"end":562.22003,"sentiment":"neutral","sentiment_score":0.12630332012971243},{"text":"Perfect.","start":567.895,"end":568.395,"sentiment":"positive","sentiment_score":0.6010414361953735},{"text":"We actually didn't.","start":578.06,"end":579.1,"sentiment":"neutral","sentiment_score":-0.1758451908826828},{"text":"We we both of us need to do that.","start":579.1,"end":581.18,"sentiment":"neutral","sentiment_score":-0.18536676466464996}],"sentiment":"neutral","sentiment_score":-0.06462143756010953,"num_words":17,"start":560.76,"end":581.18},{"sentences":[{"text":"Like, that's something that we need to really do pretty urgently, but it hasn't been finalized yet.","start":581.18,"end":585.82,"sentiment":"neutral","sentiment_score":-0.17355236586402445},{"text":"I think Kev went through the union, and we sent him some documents, and he filled something out, but he probably stopped halfway through.","start":585.82,"end":592.45996,"sentiment":"neutral","sentiment_score":-0.09690717607736588},{"text":"But we need to get that sorted, like, ASAP.","start":592.45996,"end":595.355,"sentiment":"neutral","sentiment_score":-0.1372714208232032},{"text":"Yeah.","start":603.815,"end":604.315,"sentiment":"neutral","sentiment_score":0.14121809601783752},{"text":"Are they alright, though?","start":610.67,"end":611.97,"sentiment":"neutral","sentiment_score":0.007946204161271453}],"sentiment":"neutral","sentiment_score":-0.11524731491438367,"num_words":55,"start":581.18,"end":611.97},{"sentences":[{"text":"Yeah.","start":616.26996,"end":616.76996,"sentiment":"neutral","sentiment_score":0.013256016187369823},{"text":"No.","start":625.905,"end":626.145,"sentiment":"neutral","sentiment_score":-0.10064023733139038},{"text":"No.","start":626.145,"end":626.385,"sentiment":"neutral","sentiment_score":-0.13997869193553925},{"text":"No.","start":626.385,"end":626.545,"sentiment":"neutral","sentiment_score":-0.2073664665222168},{"text":"No.","start":626.545,"end":626.865,"sentiment":"neutral","sentiment_score":-0.23606044054031372}],"sentiment":"neutral","sentiment_score":-0.13415796402841806,"num_words":5,"start":616.26996,"end":626.865},{"sentences":[{"text":"No.","start":626.865,"end":627.105,"sentiment":"neutral","sentiment_score":-0.17851343750953674},{"text":"It's pretty basic.","start":627.105,"end":628.065,"sentiment":"neutral","sentiment_score":-0.12402442594369252},{"text":"It would be pretty basic.","start":628.065,"end":629.28503,"sentiment":"neutral","sentiment_score":-0.0003614116460084915},{"text":"Yep.","start":639.14996,"end":639.64996,"sentiment":"neutral","sentiment_score":0.09817638248205184},{"text":"Yeah.","start":645.31,"end":645.55,"sentiment":"neutral","sentiment_score":0.08147940039634705}],"sentiment":"neutral","sentiment_score":-0.03388527188111435,"num_words":11,"start":626.865,"end":645.55},{"sentences":[{"text":"Yeah.","start":645.55,"end":646.05,"sentiment":"neutral","sentiment_score":0.10901201516389848},{"text":"Yep.","start":655.715,"end":655.875,"sentiment":"neutral","sentiment_score":0.07999085634946823},{"text":"Yep.","start":655.875,"end":656.375,"sentiment":"neutral","sentiment_score":0.05931064113974571},{"text":"Yep.","start":658.915,"end":659.415,"sentiment":"neutral","sentiment_score":0.03378104418516159},{"text":"No.","start":668.69,"end":668.93,"sentiment":"neutral","sentiment_score":-0.02284367009997368}],"sentiment":"neutral","sentiment_score":0.051850177347660065,"num_words":5,"start":645.55,"end":668.93},{"sentences":[{"text":"Just continue it.","start":668.93,"end":669.88995,"sentiment":"neutral","sentiment_score":-0.02130909077823162},{"text":"If anything changes, I'll let you guys know.","start":669.88995,"end":672.38995,"sentiment":"neutral","sentiment_score":0.01623453327920288},{"text":"The only thing that she was holding off on was my driving license is due to be renewed in July.","start":672.69,"end":679.33496,"sentiment":"neutral","sentiment_score":0.06623214213177561},{"text":"So she didn't wanna she didn't wanna prefill the forms and send them out because my driving license is then gonna need to be updated.","start":679.795,"end":686.995,"sentiment":"neutral","sentiment_score":0.048220521062612536},{"text":"And so she said wait till after that is till your driving license has been renewed, and I'll send the new forms.","start":686.995,"end":693.415,"sentiment":"neutral","sentiment_score":0.05121689950200645}],"sentiment":"neutral","sentiment_score":0.047729187847998664,"num_words":78,"start":668.93,"end":693.415},{"sentences":[{"text":"Yeah.","start":698.46,"end":698.7,"sentiment":"neutral","sentiment_score":0.0309970248490572},{"text":"Yeah.","start":698.7,"end":699.2,"sentiment":"neutral","sentiment_score":0.02392137236893177},{"text":"No.","start":700.06,"end":700.38,"sentiment":"neutral","sentiment_score":-0.011590497568249702},{"text":"That's fine.","start":700.38,"end":701.02,"sentiment":"neutral","sentiment_score":0.038737211376428604},{"text":"Email and printed is fine.","start":701.02,"end":702.64,"sentiment":"neutral","sentiment_score":0.06100969240069389}],"sentiment":"neutral","sentiment_score":0.04258507844060659,"num_words":10,"start":698.46,"end":702.64},{"sentences":[{"text":"Yeah.","start":710.445,"end":710.945,"sentiment":"neutral","sentiment_score":0.023998189717531204},{"text":"Okay.","start":713.885,"end":714.385,"sentiment":"neutral","sentiment_score":-0.055347785353660583},{"text":"Okay.","start":719.80505,"end":720.05505,"sentiment":"neutral","sentiment_score":0.1627824753522873},{"text":"Perfect.","start":720.05505,"end":720.55505,"sentiment":"positive","sentiment_score":0.33562585711479187},{"text":"Yep.","start":725.11,"end":725.61,"sentiment":"neutral","sentiment_score":0.155798077583313}],"sentiment":"neutral","sentiment_score":0.12457136288285256,"num_words":5,"start":710.445,"end":725.61},{"sentences":[{"text":"Yep.","start":727.91,"end":728.41,"sentiment":"neutral","sentiment_score":0.18516266345977783},{"text":"Yeah.","start":737.95496,"end":738.45496,"sentiment":"neutral","sentiment_score":0.2242391407489777},{"text":"Yeah.","start":743.475,"end":743.71497,"sentiment":"neutral","sentiment_score":0.10256454348564148},{"text":"Oh, yeah.","start":743.71497,"end":744.115,"sentiment":"neutral","sentiment_score":0.07244149409234524},{"text":"Perfect.","start":744.115,"end":744.615,"sentiment":"positive","sentiment_score":0.6250511407852173}],"sentiment":"neutral","sentiment_score":0.2136500794440508,"num_words":6,"start":727.91,"end":744.615},{"sentences":[{"text":"Yep.","start":755.39,"end":755.70996,"sentiment":"neutral","sentiment_score":0.2246200293302536},{"text":"Awesome.","start":755.70996,"end":756.20996,"sentiment":"positive","sentiment_score":0.5562133193016052},{"text":"And I was just like is it just like a doc you're saying just to send back?","start":756.67,"end":760.20996,"sentiment":"neutral","sentiment_score":0.20278744399547577},{"text":"Yep.","start":766.075,"end":766.39496,"sentiment":"neutral","sentiment_score":0.11780725419521332},{"text":"Yep.","start":766.39496,"end":766.89496,"sentiment":"neutral","sentiment_score":0.09400423616170885}],"sentiment":"neutral","sentiment_score":0.21143006604342235,"num_words":21,"start":755.39,"end":766.89496},{"sentences":[{"text":"Yep.","start":776.235,"end":776.735,"sentiment":"neutral","sentiment_score":0.041646506637334824},{"text":"Yeah.","start":781.48,"end":781.98,"sentiment":"neutral","sentiment_score":0.013169754296541214},{"text":"Yep.","start":786.76,"end":787.24,"sentiment":"neutral","sentiment_score":0.018984049558639526},{"text":"Yeah.","start":787.24,"end":787.74,"sentiment":"neutral","sentiment_score":0.013643583282828333},{"text":"Yeah.","start":788.92,"end":789.24,"sentiment":"neutral","sentiment_score":-0.002413366921246052}],"sentiment":"neutral","sentiment_score":0.01700610537081957,"num_words":5,"start":776.235,"end":789.24},{"sentences":[{"text":"I was just doing now.","start":789.24,"end":790.54,"sentiment":"neutral","sentiment_score":-0.04759476259350777},{"text":"Yeah.","start":800.055,"end":800.135,"sentiment":"neutral","sentiment_score":-0.00758045818656683},{"text":"Okay.","start":800.135,"end":800.635,"sentiment":"neutral","sentiment_score":-0.007608223240822554},{"text":"Well, no.","start":805.255,"end":805.975,"sentiment":"neutral","sentiment_score":-0.08121057599782944},{"text":"That's that I think that was one of the issues with the beneficiary form last year because my work signature is just squiggle, and my driving license signature is an actual proper signature.","start":805.975,"end":816.29,"sentiment":"neutral","sentiment_score":-0.09724263666254102}],"sentiment":"neutral","sentiment_score":-0.08629977752986763,"num_words":42,"start":789.24,"end":816.29},{"sentences":[{"text":"And I think I had to squiggle instead of written my signature, so I'll make sure it's a driving license signature.","start":816.29,"end":822.63,"sentiment":"neutral","sentiment_score":-0.04360191346634002},{"text":"No.","start":831.245,"end":831.645,"sentiment":"neutral","sentiment_score":-0.017246969044208527},{"text":"Nothing.","start":831.645,"end":832.125,"sentiment":"neutral","sentiment_score":0.0719010978937149},{"text":"That sounds awesome.","start":832.125,"end":833.025,"sentiment":"positive","sentiment_score":0.42131688197453815},{"text":"Thank you so much.","start":833.085,"end":834.22504,"sentiment":"positive","sentiment_score":0.6067800968885422}],"sentiment":"neutral","sentiment_score":0.09433616598447164,"num_words":30,"start":816.29,"end":834.22504},{"sentences":[{"text":"Yep.","start":843.42004,"end":843.92004,"sentiment":"neutral","sentiment_score":0.1113702654838562},{"text":"Yep.","start":849.02,"end":849.52,"sentiment":"neutral","sentiment_score":0.18557338416576383},{"text":"Yep.","start":852.235,"end":852.735,"sentiment":"neutral","sentiment_score":0.11145031452178956},{"text":"Beautiful.","start":854.875,"end":855.375,"sentiment":"positive","sentiment_score":0.816707968711853},{"text":"Sounds good.","start":855.675,"end":856.495,"sentiment":"positive","sentiment_score":0.878000408411026}],"sentiment":"positive","sentiment_score":0.4968504582842191,"num_words":6,"start":843.42004,"end":856.495},{"sentences":[{"text":"Awesome.","start":861.515,"end":861.915,"sentiment":"positive","sentiment_score":0.8336540460586548},{"text":"Thank you so much for your call.","start":861.915,"end":863.535,"sentiment":"positive","sentiment_score":0.8728834986686707},{"text":"Cheers.","start":865.33093,"end":865.7309,"sentiment":"positive","sentiment_score":0.5689884424209595},{"text":"Take care.","start":865.7309,"end":867.92596,"sentiment":"positive","sentiment_score":0.45547759532928467},{"text":"Bye.","start":867.92596,"end":868.17596,"sentiment":"neutral","sentiment_score":-0.07958009093999863}],"sentiment":"positive","sentiment_score":0.6953501732399067,"num_words":12,"start":861.515,"end":868.17596}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon, Laurie. It's Tommy\n\nChannel 1: Hello?\n\nChannel 0: here, senior adviser of Oakview. How are you doing today?\n\nChannel 1: Good. Thank you. How are you?\n\nChannel 0: Living the dream so far. The sun's finally come out today. What about your end?\n\nChannel 1: Well, we went to watch Scotland play in the World Cup, and they got beat three nil, so it's not been the best day in the world.\n\nChannel 0: Look, it was a fun watch, I've got to admit. And I they did have a few good chances there, but\n\nChannel 1: We did.\n\nChannel 0: we do have three Scotsman in the office there, and they were not having the best time.\n\nChannel 1: I can imagine.\n\nChannel 0: Yeah. I do appreciate you taking a bit of time with me today. I have a bit of an updated advice discussion to go through with you. Do you have a bit of time this\n\nChannel 1: I do, but there's not really a lot I've gotta discuss. I was trying to say that to your colleague\n\nChannel 0: afternoon?\n\nChannel 1: when she called the other day. I don't think there's a lot that we've got going on that we wanna change in the next kind of six months.\n\nChannel 0: Yep. Yep.\n\nChannel 1: We just refinanced, so we've just went with a different bank with our mortgage and\n\nChannel 0: Perfect.\n\nChannel 1: just kind of consolidated some debts and just kinda put some things together so that we are kinda more up to date with what we wanna pay out. So, yeah, we've already kinda sorted that this year. And other than that, we were looking at investment properties, but that's probably gonna be a next year thing.\n\nChannel 0: Yep. Yep. Just come\n\nChannel 1: That's\n\nChannel 0: back to\n\nChannel 1: probably\n\nChannel 0: that. Let all the legislation settle down a little bit.\n\nChannel 1: yeah. I think so. I think just kinda let everything get back to an even par and then look at it again then.\n\nChannel 0: Yep. Yep.\n\nChannel 1: But that's pretty much it. There's not a lot much more going on for us.\n\nChannel 0: Perfect. So it's more than our end of few things that we wanted to look at changing. And\n\nChannel 1: Yep.\n\nChannel 0: if everything else has been pretty stable, I'm notated to kind of let the file take over and and let\n\nChannel 1: Yep.\n\nChannel 0: things play out. Now I do have a bit of an updated advice document that I wanna send through to you if that's\n\nChannel 1: Yep.\n\nChannel 0: okay.\n\nChannel 1: Yeah. Of course.\n\nChannel 0: Cool. So what I'll do is just because it is obviously personal information, just wanna do the quick security check. And\n\nChannel 1: Of course.\n\nChannel 0: do you remember your client password?\n\nChannel 1: Yeah. It is. It's Scotland.\n\nChannel 0: Perfect. Perfect. That's a nice and easy one.\n\nChannel 1: Yep.\n\nChannel 0: Now will you then look onto this email with me, or would you be okay to just review these documents\n\nChannel 1: Yeah. I'm happy to review it afterwards.\n\nChannel 0: afterwards? Yep. Perfect. So what's kind of coming through to you is you had a bit of a discussion last year, and there's been quite a few changes in the industry as you've seen, not just but\n\nChannel 1: Yes.\n\nChannel 0: markets, global events, and so on. So I'm wanting to update a couple of the investments inside the super just to do a bit of an engine, sure enough, realistically.\n\nChannel 1: Okay.\n\nChannel 0: Now what that basically means is that most of the investments in five or two, but they're looking pretty good. There's one\n\nChannel 1: Yep.\n\nChannel 0: that's been a bit of a drag on there, which is a Ben along Australian shares option, which hasn't kind of bounced back the way we thought it would after the drop in March. It's kind of still been dragging its feet, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: So I've kind of put together a few updates where I wanna just kind of replace that one like for like. It'll be a little bit less in fees, much better performance, but it's not gonna fundamentally change how we're investing. It's just, again, a bit of a tune up on the engine.\n\nChannel 1: Yeah. Of course.\n\nChannel 0: Now outside of that, you did have a discussion with one of my colleagues about potentially reducing the Suncorp life insurance to get the fees down a little bit. Does that ring a bell?\n\nChannel 1: I did. Yes. I was still paying that, so it was something I'm a little bit hesitant to stop paying because I know that if something happens to either myself or Kev, the Suncorp life insurance will cover either of us in terms of the mortgage and stuff. And from what I'm my understanding is the superannuation or the Sunsuper life insurance policy that we have with super is not as great as the sun as the Suncorp one that we have. So I don't know whether I need to increase the superannuation one before I get rid of this Suncorp one, if that makes sense.\n\nChannel 0: It does. It does. And I think based on that conversation, there was a few priorities, and I really like how you how you worded it. And it's like a bit of a priority to pay off the mortgage, of course, but\n\nChannel 1: Oh,\n\nChannel 0: also\n\nChannel 1: yeah.\n\nChannel 0: even just having that sort of five years of income replacement for some\n\nChannel 1: Yep.\n\nChannel 0: grazing time until the kids are 18. Does that sort\n\nChannel 1: Yep.\n\nChannel 0: of ring a bell?\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yeah. So one of the things that you could do is because there's $2,000,000 in life insurance with Suncorp and another 430,000 with QSuper, we calculated that you only really needed around about 1.2, 1.4 all up, and\n\nChannel 1: Okay.\n\nChannel 0: you're kind of quite over insured just based on that calculation.\n\nChannel 1: Yeah. Of course.\n\nChannel 0: So one of the things that we did do a bit of a reduction quote with them just to get some updated figures, And you could drop it from, say, 2,000,000 to, say, 850,000, and that'd kind of half the premiums from\n\nChannel 1: Okay.\n\nChannel 0: about 1,200 to $6.50, around about. But I do wanna be guided by you in in that that's our calculation on what\n\nChannel 1: Yep.\n\nChannel 0: your needs are, but it is about how much you feel that you guys need as well.\n\nChannel 1: Yeah. Of course. No. I'm happy to do that. Like, I wasn't even aware at one point that this evaluation offers a life insurance element.\n\nSo we just thought we were insuring ourselves privately. But,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, that's fine. I'm happy to contact them and we're just that if that's, yeah, if that's gonna benefit us in the long run to do that.\n\nChannel 0: Yeah. So what I'm including in these documents is I do have a reduction quote, and\n\nChannel 1: Perfect.\n\nChannel 0: we can kind of help action that a little bit as well just to speed up the process.\n\nChannel 1: Okay. Awesome.\n\nChannel 0: Cool. So the only other thing to cover off on is just with the q super, that's grown quite a bit now with the contribution. So\n\nChannel 1: Yep.\n\nChannel 0: if you ring remember, we usually do a bit of a top up rollover across\n\nChannel 1: Yep.\n\nChannel 0: just to get the money into the main\n\nChannel 1: Yep.\n\nChannel 0: portfolio. I definitely don't wanna replace it right now because it is does have the the TPD cover as well, the disability\n\nChannel 1: Yeah.\n\nChannel 0: cover.\n\nChannel 1: Yep.\n\nChannel 0: And I don't wanna replace that with something that may give you, like, a back exclusion or something that you can't claim on.\n\nChannel 1: Yeah. Of course.\n\nChannel 0: Now I guess the good thing too is Qsu has kept their fees pretty low. So to maintain the account, it's only, like, 70 something dollars flat fee a year, and\n\nChannel 1: Yep.\n\nChannel 0: everything else is kind of percentage based. So it's not really putting a huge anchor on the growth, if that makes sense.\n\nChannel 1: Yeah. Yeah. Yeah. I think\n\nChannel 0: Cool.\n\nChannel 1: someone I think last year, they had advised me as well that in terms of life insurance, because I am a police officer, it's difficult. A lot of people will up their life insurance policies quite a bit because I am in a high risk job, whereas the QSuper\n\nChannel 0: Yes.\n\nChannel 1: kind of set standard is, yeah, for everyone. So we don't wanna let go of that anyway.\n\nChannel 0: Yeah. And even the Suncorp wasn't too expensive. Like, I've seen some policies floating $3.04, 5,000. But\n\nChannel 1: Yeah.\n\nChannel 0: if that was something where you do wanna save a bit, a bit of a trim down could be okay.\n\nChannel 1: Yep. Yeah. Perfect.\n\nChannel 0: K. So what I might do is I might send through these documents to your Gmail account. It's going to include statement of advice just showing the portfolio switch, the rollover, and the investment sorry, insurance reduction.\n\nChannel 1: Yep.\n\nChannel 0: And just make sure you're comfortable with all of that. So I\n\nChannel 1: Yep.\n\nChannel 0: am gonna pop that through to you. Do you mind if I just quickly update a couple of those details you mentioned at the start of the call?\n\nChannel 1: Yeah. Of course. No problem.\n\nChannel 0: So you're still at the same address in Mooresland, I believe.\n\nChannel 1: We are 26 Mil Luca Circuit.\n\nChannel 0: Yep. Perfect. And have they changed your income much from I think it was about 120,000. Yeah. That's good.\n\nChannel 1: No. It's probably around about the same. Maybe 125.\n\nChannel 0: Yep. And in terms of the home, you said you just done that refinance there. I think last check, we had about 1 and a half mil value, $7.30 owing, and a bid in the offset account as well.\n\nChannel 1: Yeah. So we're at probably about 1.8 mil value. We've got $808,104,000 owing. So that's what the new mortgage, remortgages. And there's probably we've refinanced.\n\nWe've listed we paid off Kevin's car, so that was why we've done that. So what will be\n\nChannel 0: Yeah.\n\nChannel 1: in the offset? We're\n\nChannel 0: Yep.\n\nChannel 1: not gonna call it an offset. We're just gonna put it in a redraw facility. So there'll be probably a 100,000 in the redraw.\n\nChannel 0: Perfect. And I think you had a a Tesla listed there as well with a bit of debt owing on that one.\n\nChannel 1: Yeah. That's still there.\n\nChannel 0: Yep. Cool. So I think I'll put that around the 80 mark for that one.\n\nChannel 1: Perfect.\n\nChannel 0: Outside of that, I think everything's looking pretty good. Didn't end up getting, like, a actually, were you pretty close to putting a will in place?\n\nChannel 1: We actually didn't. We we both of us need to do that. Like, that's something that we need to really do pretty urgently, but it hasn't been finalized yet. I think Kev went through the union, and we sent him some documents, and he filled something out, but he probably stopped halfway through. But we need to get that sorted, like, ASAP.\n\nChannel 0: Yeah. That's okay. And I'm I'll put the usual reminder in the advice document about wills and powers of attorney. Again,\n\nChannel 1: Yeah.\n\nChannel 0: through the unions is pretty cool. The the old post office will kit, though it's legal, they're pretty basic.\n\nChannel 1: Are\n\nChannel 0: And\n\nChannel 1: they alright,\n\nChannel 0: besides\n\nChannel 1: though?\n\nChannel 0: so the basic ones, they are, like, government approved. That's why\n\nChannel 1: Yeah.\n\nChannel 0: those posters are allowed to sell them. But outside of, like, you know, this is where the home and the cash goes, you're you're not gonna be setting up, like, a testament through trust for the kids or\n\nChannel 1: No.\n\nChannel 0: anything\n\nChannel 1: No. No.\n\nChannel 0: like\n\nChannel 1: No.\n\nChannel 0: that.\n\nChannel 1: No. It's pretty basic. It would be pretty basic.\n\nChannel 0: Yep. Easy done. And we wanted to update beneficiaries on the super accounts and just make sure everything's going where it should be. Are you\n\nChannel 1: Yep.\n\nChannel 0: just wanting to make sure that Kev gets pretty much all the super, all the life insurance, just all of it?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So so I might get my admin, Michelle, just to send through some beneficiary forms. At least that's pretty easy. It's just to get them witnessed\n\nChannel 1: Yep. Yep.\n\nChannel 0: by two adults who aren't. And\n\nChannel 1: Yep.\n\nChannel 0: would you like them to be, like, continuous for non lacing, or do you want it to expire every three years?\n\nChannel 1: No. Just continue it. If anything changes, I'll let you guys know. The only\n\nChannel 0: Yeah.\n\nChannel 1: thing\n\nChannel 0: Perfect.\n\nChannel 1: that she was holding off on was my driving license is due to be renewed in July. So she didn't\n\nChannel 0: Yep.\n\nChannel 1: wanna she didn't wanna prefill the forms and send them out because my driving license is then gonna need to be updated. And so she said wait till after that is till your driving license has been renewed, and I'll send the new forms.\n\nChannel 0: Yeah. That's easy. Done. And are you okay for them to be kind of emailed and printed, or would you\n\nChannel 1: Yeah.\n\nChannel 0: like them\n\nChannel 1: Yeah.\n\nChannel 0: to post it?\n\nChannel 1: No. That's fine. Email and printed is fine.\n\nChannel 0: Yep. Beautiful. So what I'll do is I've also just included the updated service agreement as well because\n\nChannel 1: Yeah.\n\nChannel 0: I think yours clicked off two weeks ago,\n\nChannel 1: Okay.\n\nChannel 0: and we can't make any changes to the account unless we're listed as your reply.\n\nChannel 1: Okay. Perfect.\n\nChannel 0: You're still on the discounted fee structure with Kev, the one point\n\nChannel 1: Yep.\n\nChannel 0: 1% instead of the one six five.\n\nChannel 1: Yep.\n\nChannel 0: We do have a tiered structure coming through next year. So that will basically mean that the higher the balance, the lower the percentage goes. So\n\nChannel 1: Yeah.\n\nChannel 0: it'll start actually ticking down at the next review below the 1.1 as well.\n\nChannel 1: Yeah. Oh, yeah. Perfect.\n\nChannel 0: So what I'll do is I'm just gonna quickly get the document amended with the updated details, and then I'll pretty much just email that through within the next half an hour or so.\n\nChannel 1: Yep. Awesome. And I was just like is it just like a doc you're saying just to send back?\n\nChannel 0: Amazing. Pretty much. And it's through our, like, custom built system called Odoo. Just exactly\n\nChannel 1: Yep.\n\nChannel 0: the\n\nChannel 1: Yep.\n\nChannel 0: same as DocuSign, but purple. It'll click you through to stamp signatures and, like, dates and everything if you just click the button.\n\nChannel 1: Yep.\n\nChannel 0: There is a lot of extra documents that are, like, a thousand pages of product documents from Suncorp\n\nChannel 1: Yeah.\n\nChannel 0: and Hub twenty four. You can just click next document. You don't have to scroll through all 900 pages.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: The\n\nChannel 1: Yeah.\n\nChannel 0: only\n\nChannel 1: I\n\nChannel 0: one\n\nChannel 1: was\n\nChannel 0: that\n\nChannel 1: just\n\nChannel 0: I would\n\nChannel 1: doing\n\nChannel 0: kind\n\nChannel 1: now.\n\nChannel 0: of caution on is for the Suncorp production quote, you're probably better off just clicking on the signature and drawing it so it matches your ID.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: I'm assuming your signature won't change for the next ID that comes through.\n\nChannel 1: Well, no. That's that I think that was one of the issues with the beneficiary form last year because my work signature is just squiggle, and my driving license signature is an actual proper signature. And I think I had to squiggle instead of written my signature, so I'll make sure it's a driving license signature.\n\nChannel 0: Gotcha. Perfect. Perfect. Perfect. Alright.\n\nSo I'll get that through in the next half an hour or so. Do you have any questions for me?\n\nChannel 1: No. Nothing. That sounds awesome. Thank you so much.\n\nChannel 0: So if you go through that advice document and you do have any questions, please just give us a call. I'm happy to jump on and sort of explain the pros and cons to you.\n\nChannel 1: Yep.\n\nChannel 0: But, again, pretty straightforward. Update the portfolio, get the performance back on track,\n\nChannel 1: Yep.\n\nChannel 0: move some funds around, reduce some fees and insurances, and\n\nChannel 1: Yep.\n\nChannel 0: update the estate plan.\n\nChannel 1: Beautiful. Sounds good.\n\nChannel 0: Amazing, Laura. I'll send that through soon, and you have a fantastic day.\n\nChannel 1: Awesome. Thank you so much for your call.\n\nChannel 0: Thank you. Bye.\n\nChannel 1: Cheers. Take care. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Laurie.","start":3.52,"end":4.56,"sentiment":"neutral","sentiment_score":0.20489811897277832},{"text":"It's Tommy","start":4.56,"end":5.12,"sentiment":"neutral","sentiment_score":0.13357282057404518}],"sentiment":"neutral","sentiment_score":0.17636799961328506,"channel":0,"num_words":5,"start":3.52,"end":5.12},{"sentences":[{"text":"Hello?","start":5.12,"end":5.62,"sentiment":"neutral","sentiment_score":0.10777638852596284}],"sentiment":"neutral","sentiment_score":0.10777638852596284,"channel":1,"num_words":1,"start":5.12,"end":5.62},{"sentences":[{"text":"here, senior adviser of Oakview.","start":5.12,"end":6.56,"sentiment":"neutral","sentiment_score":0.10233822166919708},{"text":"How are you doing today?","start":6.56,"end":7.7,"sentiment":"neutral","sentiment_score":0.1850353956222534}],"sentiment":"neutral","sentiment_score":0.14368680864572525,"channel":0,"num_words":10,"start":5.12,"end":7.7},{"sentences":[{"text":"Good.","start":7.9199996,"end":8.32,"sentiment":"positive","sentiment_score":0.43868428468704224},{"text":"Thank you.","start":8.32,"end":8.72,"sentiment":"positive","sentiment_score":0.5074880123138428},{"text":"How are you?","start":8.72,"end":9.54,"sentiment":"neutral","sentiment_score":0.29753629366556805}],"sentiment":"positive","sentiment_score":0.39104486505190533,"channel":1,"num_words":6,"start":7.9199996,"end":9.54},{"sentences":[{"text":"Living the dream so far.","start":10.24,"end":11.5199995,"sentiment":"positive","sentiment_score":0.44199965000152586},{"text":"The sun's finally come out today.","start":11.5199995,"end":13.04,"sentiment":"neutral","sentiment_score":0.3057078843315442},{"text":"What about your end?","start":13.04,"end":14.085,"sentiment":"neutral","sentiment_score":0.05766118597239256}],"sentiment":"neutral","sentiment_score":0.28499268665909766,"channel":0,"num_words":15,"start":10.24,"end":14.085},{"sentences":[{"text":"Well, we went to watch Scotland play in the World Cup, and they got beat three nil, so it's not been the best day in the world.","start":14.719999,"end":20.555,"sentiment":"neutral","sentiment_score":-0.11092943753357287}],"sentiment":"neutral","sentiment_score":-0.11092943753357287,"channel":1,"num_words":27,"start":14.719999,"end":20.555},{"sentences":[{"text":"Look, it was a fun watch, I've got to admit.","start":21.365,"end":24.325,"sentiment":"neutral","sentiment_score":0.2977650187909603},{"text":"And I they did have a few good chances there, but","start":24.325,"end":27.0,"sentiment":"neutral","sentiment_score":0.0393117947334593}],"sentiment":"neutral","sentiment_score":0.16238475857036455,"channel":0,"num_words":21,"start":21.365,"end":27.0},{"sentences":[{"text":"We did.","start":26.695,"end":27.355,"sentiment":"neutral","sentiment_score":-0.10084044188261032}],"sentiment":"neutral","sentiment_score":-0.10084044188261032,"channel":1,"num_words":2,"start":26.695,"end":27.355},{"sentences":[{"text":"we do have three Scotsman in the office there, and they were not having the best time.","start":27.08,"end":31.9,"sentiment":"neutral","sentiment_score":-0.30514003073467927}],"sentiment":"neutral","sentiment_score":-0.30514003073467927,"channel":0,"num_words":17,"start":27.08,"end":31.9},{"sentences":[{"text":"I can imagine.","start":31.93,"end":32.83,"sentiment":"neutral","sentiment_score":-0.10386939098437627}],"sentiment":"neutral","sentiment_score":-0.10386939098437627,"channel":1,"num_words":3,"start":31.93,"end":32.83},{"sentences":[{"text":"Yeah.","start":34.44,"end":34.6,"sentiment":"neutral","sentiment_score":0.0728791207075119},{"text":"I do appreciate you taking a bit of time with me today.","start":34.6,"end":37.18,"sentiment":"neutral","sentiment_score":0.28788091242313385},{"text":"I have a bit of an updated advice discussion to go through with you.","start":37.8,"end":41.32,"sentiment":"neutral","sentiment_score":0.12771970938358987},{"text":"Do you have a bit of time this","start":41.32,"end":43.025,"sentiment":"neutral","sentiment_score":0.006902736611664295}],"sentiment":"neutral","sentiment_score":0.1534499398299626,"channel":0,"num_words":35,"start":34.44,"end":43.025},{"sentences":[{"text":"I do, but there's not really a lot I've gotta discuss.","start":44.025,"end":46.585,"sentiment":"neutral","sentiment_score":-0.06356543590399352},{"text":"I was trying to say that to your colleague","start":46.585,"end":48.665,"sentiment":"neutral","sentiment_score":-0.059351589530706406}],"sentiment":"neutral","sentiment_score":-0.06166920503601432,"channel":1,"num_words":20,"start":44.025,"end":48.665},{"sentences":[{"text":"afternoon?","start":48.5325,"end":49.0325,"sentiment":"neutral","sentiment_score":-0.03523975983262062}],"sentiment":"neutral","sentiment_score":-0.03523975983262062,"channel":0,"num_words":1,"start":48.5325,"end":49.0325},{"sentences":[{"text":"when she called the other day.","start":48.665,"end":49.785,"sentiment":"neutral","sentiment_score":-0.09956806028882663},{"text":"I don't think there's a lot that we've got going on that we wanna change in the next kind of six months.","start":49.785,"end":55.165,"sentiment":"neutral","sentiment_score":-0.16116009246219287}],"sentiment":"neutral","sentiment_score":-0.1479617998536144,"channel":1,"num_words":28,"start":48.665,"end":55.165},{"sentences":[{"text":"Yep.","start":55.98,"end":56.38,"sentiment":"neutral","sentiment_score":0.0031283411663025618},{"text":"Yep.","start":56.38,"end":56.88,"sentiment":"neutral","sentiment_score":0.015774913132190704}],"sentiment":"neutral","sentiment_score":0.009451627149246633,"channel":0,"num_words":2,"start":55.98,"end":56.88},{"sentences":[{"text":"We just refinanced, so we've just went with a different bank with our mortgage and","start":56.86,"end":64.38,"sentiment":"neutral","sentiment_score":0.039879716311891876}],"sentiment":"neutral","sentiment_score":0.039879716311891876,"channel":1,"num_words":15,"start":56.86,"end":64.38},{"sentences":[{"text":"Perfect.","start":64.3,"end":64.8,"sentiment":"neutral","sentiment_score":0.12571972608566284}],"sentiment":"neutral","sentiment_score":0.12571972608566284,"channel":0,"num_words":1,"start":64.3,"end":64.8},{"sentences":[{"text":"just kind of consolidated some debts and just kinda put some things together so that we are kinda more up to date with what we wanna pay out.","start":64.38,"end":73.145004,"sentiment":"neutral","sentiment_score":0.11495098311986242},{"text":"So, yeah, we've already kinda sorted that this year.","start":74.405,"end":76.885,"sentiment":"neutral","sentiment_score":0.07122633068097962},{"text":"And other than that, we were looking at investment properties, but that's probably gonna be a next year thing.","start":76.885,"end":82.265,"sentiment":"neutral","sentiment_score":0.00585638329778847}],"sentiment":"neutral","sentiment_score":0.07090956760969545,"channel":1,"num_words":56,"start":64.38,"end":82.265},{"sentences":[{"text":"Yep.","start":83.04,"end":83.36,"sentiment":"neutral","sentiment_score":0.02398710511624813},{"text":"Yep.","start":83.36,"end":83.68,"sentiment":"neutral","sentiment_score":0.016221385449171066},{"text":"Just come","start":83.68,"end":84.0,"sentiment":"neutral","sentiment_score":0.003177948296070099}],"sentiment":"neutral","sentiment_score":0.011641096789389849,"channel":0,"num_words":4,"start":83.04,"end":84.0},{"sentences":[{"text":"That's","start":83.86,"end":84.18,"sentiment":"neutral","sentiment_score":-0.012029620818793774}],"sentiment":"neutral","sentiment_score":-0.012029620818793774,"channel":1,"num_words":1,"start":83.86,"end":84.18},{"sentences":[{"text":"back to","start":84.0,"end":84.24,"sentiment":"neutral","sentiment_score":-0.013996530324220657}],"sentiment":"neutral","sentiment_score":-0.013996530324220657,"channel":0,"num_words":2,"start":84.0,"end":84.24},{"sentences":[{"text":"probably","start":84.18,"end":84.68,"sentiment":"neutral","sentiment_score":-0.02043817564845085}],"sentiment":"neutral","sentiment_score":-0.02043817564845085,"channel":1,"num_words":1,"start":84.18,"end":84.68},{"sentences":[{"text":"that.","start":84.24,"end":84.4,"sentiment":"neutral","sentiment_score":-0.019512087106704712},{"text":"Let all the legislation settle down a little bit.","start":84.4,"end":87.06,"sentiment":"neutral","sentiment_score":-0.0029365174058410856}],"sentiment":"neutral","sentiment_score":-0.004594074375927448,"channel":0,"num_words":10,"start":84.24,"end":87.06},{"sentences":[{"text":"yeah.","start":87.14,"end":87.54,"sentiment":"neutral","sentiment_score":0.019544215872883797},{"text":"I think so.","start":87.54,"end":88.26,"sentiment":"neutral","sentiment_score":0.02083175505201022},{"text":"I think just kinda let everything get back to an even par and then look at it again then.","start":88.26,"end":93.32,"sentiment":"neutral","sentiment_score":0.05144023091385239}],"sentiment":"neutral","sentiment_score":0.04606103775617869,"channel":1,"num_words":23,"start":87.14,"end":93.32},{"sentences":[{"text":"Yep.","start":94.165,"end":94.485,"sentiment":"neutral","sentiment_score":0.025399308651685715},{"text":"Yep.","start":94.485,"end":94.985,"sentiment":"neutral","sentiment_score":0.018892740830779076}],"sentiment":"neutral","sentiment_score":0.022146024741232395,"channel":0,"num_words":2,"start":94.165,"end":94.985},{"sentences":[{"text":"But that's pretty much it.","start":94.74,"end":95.78,"sentiment":"neutral","sentiment_score":-0.02168102003633976},{"text":"There's not a lot much more going on for us.","start":95.78,"end":97.905,"sentiment":"neutral","sentiment_score":-0.13434335291385652}],"sentiment":"neutral","sentiment_score":-0.09678924195468426,"channel":1,"num_words":15,"start":94.74,"end":97.905},{"sentences":[{"text":"Perfect.","start":99.125,"end":99.604996,"sentiment":"neutral","sentiment_score":0.07761245965957642},{"text":"So it's more than our end of few things that we wanted to look at changing.","start":99.604996,"end":103.704994,"sentiment":"neutral","sentiment_score":0.06904773111455142},{"text":"And","start":104.085,"end":104.564995,"sentiment":"neutral","sentiment_score":0.1662956178188324}],"sentiment":"neutral","sentiment_score":0.07492620973951286,"channel":0,"num_words":18,"start":99.125,"end":104.564995},{"sentences":[{"text":"Yep.","start":104.305,"end":104.805,"sentiment":"neutral","sentiment_score":0.15973803400993347}],"sentiment":"neutral","sentiment_score":0.15973803400993347,"channel":1,"num_words":1,"start":104.305,"end":104.805},{"sentences":[{"text":"if everything else has been pretty stable, I'm notated to kind of let the file take over and and let","start":104.564995,"end":111.170006,"sentiment":"neutral","sentiment_score":0.21951021626591682}],"sentiment":"neutral","sentiment_score":0.21951021626591682,"channel":0,"num_words":20,"start":104.564995,"end":111.170006},{"sentences":[{"text":"Yep.","start":111.025,"end":111.525,"sentiment":"neutral","sentiment_score":0.14299504458904266}],"sentiment":"neutral","sentiment_score":0.14299504458904266,"channel":1,"num_words":1,"start":111.025,"end":111.525},{"sentences":[{"text":"things play out.","start":111.170006,"end":112.23,"sentiment":"neutral","sentiment_score":0.13277307152748108},{"text":"Now I do have a bit of an updated advice document that I wanna send through to you if that's","start":113.25,"end":117.810005,"sentiment":"neutral","sentiment_score":0.13067684434354304}],"sentiment":"neutral","sentiment_score":0.13095026528057846,"channel":0,"num_words":23,"start":111.170006,"end":117.810005},{"sentences":[{"text":"Yep.","start":117.68,"end":118.18,"sentiment":"neutral","sentiment_score":0.08467079699039459}],"sentiment":"neutral","sentiment_score":0.08467079699039459,"channel":1,"num_words":1,"start":117.68,"end":118.18},{"sentences":[{"text":"okay.","start":117.810005,"end":118.310005,"sentiment":"neutral","sentiment_score":0.1110364943742752}],"sentiment":"neutral","sentiment_score":0.1110364943742752,"channel":0,"num_words":1,"start":117.810005,"end":118.310005},{"sentences":[{"text":"Yeah.","start":118.56,"end":118.88,"sentiment":"neutral","sentiment_score":0.10643599927425385},{"text":"Of course.","start":118.88,"end":119.619995,"sentiment":"neutral","sentiment_score":0.16918286681175232}],"sentiment":"neutral","sentiment_score":0.14826724429925284,"channel":1,"num_words":3,"start":118.56,"end":119.619995},{"sentences":[{"text":"Cool.","start":119.97,"end":120.29,"sentiment":"neutral","sentiment_score":0.28321337699890137},{"text":"So what I'll do is just because it is obviously personal information, just wanna do the quick security check.","start":120.29,"end":125.66499,"sentiment":"neutral","sentiment_score":0.11315791857870001},{"text":"And","start":125.80499,"end":126.30499,"sentiment":"neutral","sentiment_score":0.041836343705654144}],"sentiment":"neutral","sentiment_score":0.11785953208094552,"channel":0,"num_words":21,"start":119.97,"end":126.30499},{"sentences":[{"text":"Of course.","start":125.92,"end":126.659996,"sentiment":"neutral","sentiment_score":0.04004162177443504}],"sentiment":"neutral","sentiment_score":0.04004162177443504,"channel":1,"num_words":2,"start":125.92,"end":126.659996},{"sentences":[{"text":"do you remember your client password?","start":126.604996,"end":128.385,"sentiment":"neutral","sentiment_score":0.03740009479224682}],"sentiment":"neutral","sentiment_score":0.03740009479224682,"channel":0,"num_words":6,"start":126.604996,"end":128.385},{"sentences":[{"text":"Yeah.","start":128.755,"end":129.075,"sentiment":"neutral","sentiment_score":0.06361345201730728},{"text":"It is.","start":129.075,"end":129.315,"sentiment":"neutral","sentiment_score":0.05403996258974075},{"text":"It's Scotland.","start":129.315,"end":129.895,"sentiment":"neutral","sentiment_score":0.06219051592051983}],"sentiment":"neutral","sentiment_score":0.05921488180756569,"channel":1,"num_words":5,"start":128.755,"end":129.895},{"sentences":[{"text":"Perfect.","start":131.00499,"end":131.485,"sentiment":"positive","sentiment_score":0.6906766295433044},{"text":"Perfect.","start":131.485,"end":131.805,"sentiment":"positive","sentiment_score":0.7734347581863403},{"text":"That's a nice and easy one.","start":131.805,"end":133.265,"sentiment":"positive","sentiment_score":0.7913086116313934}],"sentiment":"positive","sentiment_score":0.7764953821897507,"channel":0,"num_words":8,"start":131.00499,"end":133.265},{"sentences":[{"text":"Yep.","start":133.315,"end":133.815,"sentiment":"neutral","sentiment_score":0.2138681858778}],"sentiment":"neutral","sentiment_score":0.2138681858778,"channel":1,"num_words":1,"start":133.315,"end":133.815},{"sentences":[{"text":"Now will you then look onto this email with me, or would you be okay to just review these documents","start":133.965,"end":138.94499,"sentiment":"neutral","sentiment_score":0.10278386250138283}],"sentiment":"neutral","sentiment_score":0.10278386250138283,"channel":0,"num_words":20,"start":133.965,"end":138.94499},{"sentences":[{"text":"Yeah.","start":140.27501,"end":140.515,"sentiment":"neutral","sentiment_score":0.19420839846134183},{"text":"I'm happy to review it afterwards.","start":140.515,"end":141.975,"sentiment":"positive","sentiment_score":0.351343775788943}],"sentiment":"neutral","sentiment_score":0.32889586474214283,"channel":1,"num_words":7,"start":140.27501,"end":141.975},{"sentences":[{"text":"afterwards?","start":142.23999,"end":142.73999,"sentiment":"neutral","sentiment_score":0.1720784157514572},{"text":"Yep.","start":142.8,"end":143.2,"sentiment":"neutral","sentiment_score":0.15552978217601776},{"text":"Perfect.","start":143.2,"end":143.7,"sentiment":"neutral","sentiment_score":0.31063634157180786},{"text":"So what's kind of coming through to you is you had a bit of a discussion last year, and there's been quite a few changes in the industry as you've seen, not just but","start":143.76,"end":153.185,"sentiment":"neutral","sentiment_score":0.04692630809457863}],"sentiment":"neutral","sentiment_score":0.060371324722025846,"channel":0,"num_words":37,"start":142.23999,"end":153.185},{"sentences":[{"text":"Yes.","start":153.15,"end":153.65,"sentiment":"neutral","sentiment_score":0.0127660995349288}],"sentiment":"neutral","sentiment_score":0.0127660995349288,"channel":1,"num_words":1,"start":153.15,"end":153.65},{"sentences":[{"text":"markets, global events, and so on.","start":153.185,"end":155.685,"sentiment":"neutral","sentiment_score":0.011478037883838018},{"text":"So I'm wanting to update a couple of the investments inside the super just to do a bit of an engine, sure enough, realistically.","start":155.825,"end":162.805,"sentiment":"neutral","sentiment_score":0.049127514862144984}],"sentiment":"neutral","sentiment_score":0.04159761946648359,"channel":0,"num_words":30,"start":153.185,"end":162.805},{"sentences":[{"text":"Okay.","start":163.29501,"end":163.79501,"sentiment":"neutral","sentiment_score":0.04398111253976822}],"sentiment":"neutral","sentiment_score":0.04398111253976822,"channel":1,"num_words":1,"start":163.29501,"end":163.79501},{"sentences":[{"text":"Now what that basically means is that most of the investments in five or two, but they're looking pretty good.","start":164.94,"end":169.84,"sentiment":"neutral","sentiment_score":0.039743670634925364},{"text":"There's one","start":169.9,"end":170.62,"sentiment":"neutral","sentiment_score":-0.09619311988353729}],"sentiment":"neutral","sentiment_score":0.027385780587792397,"channel":0,"num_words":22,"start":164.94,"end":170.62},{"sentences":[{"text":"Yep.","start":170.31001,"end":170.81001,"sentiment":"neutral","sentiment_score":-0.10610153526067734}],"sentiment":"neutral","sentiment_score":-0.10610153526067734,"channel":1,"num_words":1,"start":170.31001,"end":170.81001},{"sentences":[{"text":"that's been a bit of a drag on there, which is a Ben along Australian shares option, which hasn't kind of bounced back the way we thought it would after the drop in March.","start":170.62,"end":180.855,"sentiment":"neutral","sentiment_score":-0.2393175490638789},{"text":"It's kind of still been dragging its feet, if that makes sense.","start":180.855,"end":183.835,"sentiment":"neutral","sentiment_score":-0.2534043105940024}],"sentiment":"neutral","sentiment_score":-0.2429923564195633,"channel":0,"num_words":46,"start":170.62,"end":183.835},{"sentences":[{"text":"Yep.","start":184.31001,"end":184.81001,"sentiment":"neutral","sentiment_score":-0.058116912841796875}],"sentiment":"neutral","sentiment_score":-0.058116912841796875,"channel":1,"num_words":1,"start":184.31001,"end":184.81001},{"sentences":[{"text":"So I've kind of put together a few updates where I wanna just kind of replace that one like for like.","start":185.575,"end":191.19,"sentiment":"neutral","sentiment_score":-0.03443498288591703},{"text":"It'll be a little bit less in fees, much better performance, but it's not gonna fundamentally change how we're investing.","start":191.35,"end":198.95,"sentiment":"neutral","sentiment_score":-0.017615421721711755},{"text":"It's just, again, a bit of a tune up on the engine.","start":198.95,"end":201.61,"sentiment":"neutral","sentiment_score":-0.04136148886755109}],"sentiment":"neutral","sentiment_score":-0.029656244178285013,"channel":0,"num_words":53,"start":185.575,"end":201.61},{"sentences":[{"text":"Yeah.","start":201.98999,"end":202.31,"sentiment":"neutral","sentiment_score":0.08223039656877518},{"text":"Of course.","start":202.31,"end":202.89,"sentiment":"neutral","sentiment_score":0.0914624035358429}],"sentiment":"neutral","sentiment_score":0.08838506788015366,"channel":1,"num_words":3,"start":201.98999,"end":202.89},{"sentences":[{"text":"Now outside of that, you did have a discussion with one of my colleagues about potentially reducing the Suncorp life insurance to get the fees down a little bit.","start":203.645,"end":213.325,"sentiment":"neutral","sentiment_score":0.16742710409493283},{"text":"Does that ring a bell?","start":213.325,"end":214.465,"sentiment":"neutral","sentiment_score":0.051982270926237105}],"sentiment":"neutral","sentiment_score":0.15044992274659522,"channel":0,"num_words":34,"start":203.645,"end":214.465},{"sentences":[{"text":"I did.","start":215.045,"end":215.685,"sentiment":"neutral","sentiment_score":0.15800229460000992},{"text":"Yes.","start":215.685,"end":216.185,"sentiment":"neutral","sentiment_score":0.18626579642295835},{"text":"I was still paying that, so it was something I'm a little bit hesitant to stop paying because I know that if something happens to either myself or Kev, the Suncorp life insurance will cover either of us in terms of the mortgage and stuff.","start":217.525,"end":231.95001,"sentiment":"neutral","sentiment_score":-0.1797889605164528},{"text":"And from what I'm my understanding is the superannuation or the Sunsuper life insurance policy that we have with super is not as great as the sun as the Suncorp one that we have.","start":232.01001,"end":245.915,"sentiment":"negative","sentiment_score":-0.3835982272730154},{"text":"So I don't know whether I need to increase the superannuation one before I get rid of this Suncorp one, if that makes sense.","start":245.915,"end":254.87001,"sentiment":"neutral","sentiment_score":-0.31028313127656776}],"sentiment":"neutral","sentiment_score":-0.2648808275050712,"channel":1,"num_words":106,"start":215.045,"end":254.87001},{"sentences":[{"text":"It does.","start":255.375,"end":255.77501,"sentiment":"neutral","sentiment_score":0.1345147304236889},{"text":"It does.","start":255.77501,"end":256.255,"sentiment":"neutral","sentiment_score":0.19595544785261154},{"text":"And I think based on that conversation, there was a few priorities, and I really like how you how you worded it.","start":256.255,"end":262.73502,"sentiment":"neutral","sentiment_score":0.3002348311922767},{"text":"And it's like a bit of a priority to pay off the mortgage, of course, but","start":262.73502,"end":266.63998,"sentiment":"neutral","sentiment_score":0.14279333828017116}],"sentiment":"neutral","sentiment_score":0.22740000131584348,"channel":0,"num_words":42,"start":255.375,"end":266.63998},{"sentences":[{"text":"Oh,","start":266.565,"end":266.725,"sentiment":"neutral","sentiment_score":0.08524750173091888}],"sentiment":"neutral","sentiment_score":0.08524750173091888,"channel":1,"num_words":1,"start":266.565,"end":266.725},{"sentences":[{"text":"also","start":266.63998,"end":266.88,"sentiment":"neutral","sentiment_score":0.07288138568401337}],"sentiment":"neutral","sentiment_score":0.07288138568401337,"channel":0,"num_words":1,"start":266.63998,"end":266.88},{"sentences":[{"text":"yeah.","start":266.725,"end":267.225,"sentiment":"neutral","sentiment_score":0.08734683692455292}],"sentiment":"neutral","sentiment_score":0.08734683692455292,"channel":1,"num_words":1,"start":266.725,"end":267.225},{"sentences":[{"text":"even just having that sort of five years of income replacement for some","start":266.88,"end":271.19998,"sentiment":"neutral","sentiment_score":0.07011681451247288}],"sentiment":"neutral","sentiment_score":0.07011681451247288,"channel":0,"num_words":13,"start":266.88,"end":271.19998},{"sentences":[{"text":"Yep.","start":270.965,"end":271.465,"sentiment":"neutral","sentiment_score":0.07827270776033401}],"sentiment":"neutral","sentiment_score":0.07827270776033401,"channel":1,"num_words":1,"start":270.965,"end":271.465},{"sentences":[{"text":"grazing time until the kids are 18.","start":271.19998,"end":273.38,"sentiment":"neutral","sentiment_score":0.0954431848866599},{"text":"Does that sort","start":273.52,"end":274.08,"sentiment":"neutral","sentiment_score":0.027197203288475674}],"sentiment":"neutral","sentiment_score":0.07496939040720463,"channel":0,"num_words":10,"start":271.19998,"end":274.08},{"sentences":[{"text":"Yep.","start":273.92502,"end":274.42502,"sentiment":"neutral","sentiment_score":0.005354882683604956}],"sentiment":"neutral","sentiment_score":0.005354882683604956,"channel":1,"num_words":1,"start":273.92502,"end":274.42502},{"sentences":[{"text":"of ring a bell?","start":274.08,"end":274.97998,"sentiment":"neutral","sentiment_score":-0.010300298687070608}],"sentiment":"neutral","sentiment_score":-0.010300298687070608,"channel":0,"num_words":4,"start":274.08,"end":274.97998},{"sentences":[{"text":"Yeah.","start":275.045,"end":275.20502,"sentiment":"neutral","sentiment_score":0.050175875425338745},{"text":"Yeah.","start":275.20502,"end":275.36502,"sentiment":"neutral","sentiment_score":0.05898907035589218},{"text":"Yeah.","start":275.36502,"end":275.86502,"sentiment":"neutral","sentiment_score":0.06998556852340698}],"sentiment":"neutral","sentiment_score":0.05971683810154597,"channel":1,"num_words":3,"start":275.045,"end":275.86502},{"sentences":[{"text":"Yeah.","start":276.4,"end":276.8,"sentiment":"neutral","sentiment_score":0.08169770240783691},{"text":"So one of the things that you could do is because there's $2,000,000 in life insurance with Suncorp and another 430,000 with QSuper, we calculated that you only really needed around about 1.2, 1.4 all up, and","start":276.8,"end":296.13,"sentiment":"neutral","sentiment_score":0.026231960418659286}],"sentiment":"neutral","sentiment_score":0.027691585207848174,"channel":0,"num_words":38,"start":276.4,"end":296.13},{"sentences":[{"text":"Okay.","start":295.70502,"end":296.20502,"sentiment":"neutral","sentiment_score":-0.15397639572620392}],"sentiment":"neutral","sentiment_score":-0.15397639572620392,"channel":1,"num_words":1,"start":295.70502,"end":296.20502},{"sentences":[{"text":"you're kind of quite over insured just based on that calculation.","start":296.67,"end":300.21,"sentiment":"neutral","sentiment_score":-0.2830052836374803}],"sentiment":"neutral","sentiment_score":-0.2830052836374803,"channel":0,"num_words":11,"start":296.67,"end":300.21},{"sentences":[{"text":"Yeah.","start":300.905,"end":301.145,"sentiment":"neutral","sentiment_score":0.04644165933132171},{"text":"Of course.","start":301.145,"end":301.74,"sentiment":"neutral","sentiment_score":0.0495089627802372}],"sentiment":"neutral","sentiment_score":0.04848652829726537,"channel":1,"num_words":3,"start":300.905,"end":301.74},{"sentences":[{"text":"So one of the things that we did do a bit of a reduction quote with them just to get some updated figures, And you could drop it from, say, 2,000,000 to, say, 850,000, and that'd kind of half the premiums from","start":302.43,"end":316.88498,"sentiment":"neutral","sentiment_score":0.09616660184803463}],"sentiment":"neutral","sentiment_score":0.09616660184803463,"channel":0,"num_words":42,"start":302.43,"end":316.88498},{"sentences":[{"text":"Okay.","start":316.705,"end":317.205,"sentiment":"neutral","sentiment_score":0.04672199487686157}],"sentiment":"neutral","sentiment_score":0.04672199487686157,"channel":1,"num_words":1,"start":316.705,"end":317.205},{"sentences":[{"text":"about 1,200 to $6.50, around about.","start":317.185,"end":320.485,"sentiment":"neutral","sentiment_score":0.017918681353330614},{"text":"But I do wanna be guided by you in in that that's our calculation on what","start":321.04,"end":326.08002,"sentiment":"neutral","sentiment_score":0.1778390472754836}],"sentiment":"neutral","sentiment_score":0.13976276967497098,"channel":0,"num_words":22,"start":317.185,"end":326.08002},{"sentences":[{"text":"Yep.","start":325.985,"end":326.485,"sentiment":"neutral","sentiment_score":0.2058359682559967}],"sentiment":"neutral","sentiment_score":0.2058359682559967,"channel":1,"num_words":1,"start":325.985,"end":326.485},{"sentences":[{"text":"your needs are, but it is about how much you feel that you guys need as well.","start":326.08002,"end":330.66,"sentiment":"neutral","sentiment_score":0.16971268417204127}],"sentiment":"neutral","sentiment_score":0.16971268417204127,"channel":0,"num_words":17,"start":326.08002,"end":330.66},{"sentences":[{"text":"Yeah.","start":330.945,"end":331.26498,"sentiment":"neutral","sentiment_score":0.14746832847595215},{"text":"Of course.","start":331.26498,"end":331.925,"sentiment":"neutral","sentiment_score":0.12263623625040054},{"text":"No.","start":332.28,"end":332.52,"sentiment":"neutral","sentiment_score":-0.08963456749916077},{"text":"I'm happy to do that.","start":332.52,"end":333.48,"sentiment":"neutral","sentiment_score":-0.002263035625219345},{"text":"Like, I wasn't even aware at one point that this evaluation offers a life insurance element.","start":333.48,"end":339.08,"sentiment":"neutral","sentiment_score":0.03935232013463974}],"sentiment":"neutral","sentiment_score":0.036857127100229266,"channel":1,"num_words":25,"start":330.945,"end":339.08},{"sentences":[{"text":"So we just thought we were insuring ourselves privately.","start":339.08,"end":341.66,"sentiment":"neutral","sentiment_score":0.010735899209976196},{"text":"But,","start":342.52,"end":343.02,"sentiment":"neutral","sentiment_score":0.05270799249410629}],"sentiment":"neutral","sentiment_score":0.014933108538389205,"channel":1,"num_words":10,"start":339.08,"end":343.02},{"sentences":[{"text":"Yeah.","start":342.92502,"end":343.42502,"sentiment":"neutral","sentiment_score":0.2595183253288269}],"sentiment":"neutral","sentiment_score":0.2595183253288269,"channel":0,"num_words":1,"start":342.92502,"end":343.42502},{"sentences":[{"text":"yeah, that's fine.","start":343.48,"end":344.36,"sentiment":"positive","sentiment_score":0.46250051259994507},{"text":"I'm happy to contact them and we're just that if that's, yeah, if that's gonna benefit us in the long run to do that.","start":344.36,"end":352.42502,"sentiment":"positive","sentiment_score":0.6643520692984263}],"sentiment":"positive","sentiment_score":0.6419241185541507,"channel":1,"num_words":27,"start":343.48,"end":352.42502},{"sentences":[{"text":"Yeah.","start":352.21,"end":352.71,"sentiment":"neutral","sentiment_score":0.29097458720207214},{"text":"So what I'm including in these documents is I do have a reduction quote, and","start":353.01,"end":357.75,"sentiment":"neutral","sentiment_score":0.32042972644170126}],"sentiment":"neutral","sentiment_score":0.31858878023922443,"channel":0,"num_words":16,"start":352.21,"end":357.75},{"sentences":[{"text":"Perfect.","start":357.605,"end":358.105,"sentiment":"positive","sentiment_score":0.5943178534507751}],"sentiment":"positive","sentiment_score":0.5943178534507751,"channel":1,"num_words":1,"start":357.605,"end":358.105},{"sentences":[{"text":"we can kind of help action that a little bit as well just to speed up the process.","start":358.53,"end":362.23,"sentiment":"positive","sentiment_score":0.4541419628593657}],"sentiment":"positive","sentiment_score":0.4541419628593657,"channel":0,"num_words":18,"start":358.53,"end":362.23},{"sentences":[{"text":"Okay.","start":362.48502,"end":362.98502,"sentiment":"positive","sentiment_score":0.5354613065719604},{"text":"Awesome.","start":363.6,"end":364.1,"sentiment":"positive","sentiment_score":0.7429207563400269}],"sentiment":"positive","sentiment_score":0.6391910314559937,"channel":1,"num_words":2,"start":362.48502,"end":364.1},{"sentences":[{"text":"Cool.","start":364.39502,"end":364.795,"sentiment":"positive","sentiment_score":0.6624833345413208},{"text":"So the only other thing to cover off on is just with the q super, that's grown quite a bit now with the contribution.","start":364.795,"end":371.775,"sentiment":"neutral","sentiment_score":0.21637553752710423},{"text":"So","start":372.155,"end":372.555,"sentiment":"neutral","sentiment_score":0.09407760202884674}],"sentiment":"neutral","sentiment_score":0.22882976297002572,"channel":0,"num_words":26,"start":364.39502,"end":372.555},{"sentences":[{"text":"Yep.","start":372.47998,"end":372.97998,"sentiment":"neutral","sentiment_score":0.1021282896399498}],"sentiment":"neutral","sentiment_score":0.1021282896399498,"channel":1,"num_words":1,"start":372.47998,"end":372.97998},{"sentences":[{"text":"if you ring remember, we usually do a bit of a top up rollover across","start":372.555,"end":376.415,"sentiment":"neutral","sentiment_score":0.08054586450258891}],"sentiment":"neutral","sentiment_score":0.08054586450258891,"channel":0,"num_words":15,"start":372.555,"end":376.415},{"sentences":[{"text":"Yep.","start":376.72,"end":377.145,"sentiment":"neutral","sentiment_score":0.06403283774852753}],"sentiment":"neutral","sentiment_score":0.06403283774852753,"channel":1,"num_words":1,"start":376.72,"end":377.145},{"sentences":[{"text":"just to get the money into the main","start":376.9,"end":378.81998,"sentiment":"neutral","sentiment_score":0.1197327608242631}],"sentiment":"neutral","sentiment_score":0.1197327608242631,"channel":0,"num_words":8,"start":376.9,"end":378.81998},{"sentences":[{"text":"Yep.","start":378.585,"end":379.085,"sentiment":"neutral","sentiment_score":0.11659781634807588}],"sentiment":"neutral","sentiment_score":0.11659781634807588,"channel":1,"num_words":1,"start":378.585,"end":379.085},{"sentences":[{"text":"portfolio.","start":378.81998,"end":379.31998,"sentiment":"neutral","sentiment_score":0.06839366257190704},{"text":"I definitely don't wanna replace it right now because it is does have the the TPD cover as well, the disability","start":381.3,"end":389.16,"sentiment":"neutral","sentiment_score":-0.042812317166300046}],"sentiment":"neutral","sentiment_score":-0.037757499905472454,"channel":0,"num_words":22,"start":378.81998,"end":389.16},{"sentences":[{"text":"Yeah.","start":389.065,"end":389.565,"sentiment":"neutral","sentiment_score":0.0030151773244142532}],"sentiment":"neutral","sentiment_score":0.0030151773244142532,"channel":1,"num_words":1,"start":389.065,"end":389.565},{"sentences":[{"text":"cover.","start":389.3,"end":389.8,"sentiment":"neutral","sentiment_score":-0.009057674556970596}],"sentiment":"neutral","sentiment_score":-0.009057674556970596,"channel":0,"num_words":1,"start":389.3,"end":389.8},{"sentences":[{"text":"Yep.","start":390.10498,"end":390.60498,"sentiment":"neutral","sentiment_score":0.006891356315463781}],"sentiment":"neutral","sentiment_score":0.006891356315463781,"channel":1,"num_words":1,"start":390.10498,"end":390.60498},{"sentences":[{"text":"And I don't wanna replace that with something that may give you, like, a back exclusion or something that you can't claim on.","start":390.255,"end":397.475,"sentiment":"neutral","sentiment_score":-0.17529270004319109}],"sentiment":"neutral","sentiment_score":-0.17529270004319109,"channel":0,"num_words":23,"start":390.255,"end":397.475},{"sentences":[{"text":"Yeah.","start":397.66998,"end":397.91,"sentiment":"neutral","sentiment_score":0.08992759883403778},{"text":"Of course.","start":397.91,"end":398.65,"sentiment":"neutral","sentiment_score":0.12769994139671326}],"sentiment":"neutral","sentiment_score":0.1151091605424881,"channel":1,"num_words":3,"start":397.66998,"end":398.65},{"sentences":[{"text":"Now I guess the good thing too is Qsu has kept their fees pretty low.","start":399.61502,"end":404.195,"sentiment":"positive","sentiment_score":0.356960067152977},{"text":"So to maintain the account, it's only, like, 70 something dollars flat fee a year, and","start":404.61,"end":410.44998,"sentiment":"neutral","sentiment_score":0.28250755555927753}],"sentiment":"neutral","sentiment_score":0.31853296439493856,"channel":0,"num_words":31,"start":399.61502,"end":410.44998},{"sentences":[{"text":"Yep.","start":410.405,"end":410.905,"sentiment":"neutral","sentiment_score":0.18838807940483093}],"sentiment":"neutral","sentiment_score":0.18838807940483093,"channel":1,"num_words":1,"start":410.405,"end":410.905},{"sentences":[{"text":"everything else is kind of percentage based.","start":410.44998,"end":412.37,"sentiment":"neutral","sentiment_score":0.19913998246192932},{"text":"So it's not really putting a huge anchor on the growth, if that makes sense.","start":412.37,"end":416.63,"sentiment":"neutral","sentiment_score":0.21476972500483196}],"sentiment":"neutral","sentiment_score":0.20979662510481747,"channel":0,"num_words":22,"start":410.44998,"end":416.63},{"sentences":[{"text":"Yeah.","start":416.565,"end":416.80502,"sentiment":"neutral","sentiment_score":0.2061266154050827},{"text":"Yeah.","start":416.80502,"end":417.045,"sentiment":"neutral","sentiment_score":0.2209067940711975},{"text":"Yeah.","start":417.045,"end":417.45,"sentiment":"neutral","sentiment_score":0.2691190242767334},{"text":"I think","start":418.01,"end":418.67,"sentiment":"positive","sentiment_score":0.45303256809711456}],"sentiment":"neutral","sentiment_score":0.32044351398944854,"channel":1,"num_words":5,"start":416.565,"end":418.67},{"sentences":[{"text":"Cool.","start":418.635,"end":419.135,"sentiment":"neutral","sentiment_score":0.0359308086335659}],"sentiment":"neutral","sentiment_score":0.0359308086335659,"channel":0,"num_words":1,"start":418.635,"end":419.135},{"sentences":[{"text":"someone I think last year, they had advised me as well that in terms of life insurance, because I am a police officer, it's difficult.","start":419.29,"end":427.23,"sentiment":"neutral","sentiment_score":-0.08035745576024056},{"text":"A lot of people will up their life insurance policies quite a bit because I am in a high risk job, whereas the QSuper","start":428.41,"end":435.675,"sentiment":"neutral","sentiment_score":-0.21245348313823342}],"sentiment":"neutral","sentiment_score":-0.14505755080252278,"channel":1,"num_words":49,"start":419.29,"end":435.675},{"sentences":[{"text":"Yes.","start":435.61002,"end":436.11002,"sentiment":"neutral","sentiment_score":0.044316112995147705}],"sentiment":"neutral","sentiment_score":0.044316112995147705,"channel":0,"num_words":1,"start":435.61002,"end":436.11002},{"sentences":[{"text":"kind of set standard is, yeah, for everyone.","start":435.735,"end":439.195,"sentiment":"neutral","sentiment_score":0.00937454542145133},{"text":"So we don't wanna let go of that anyway.","start":439.255,"end":441.835,"sentiment":"neutral","sentiment_score":-0.1827897975842158}],"sentiment":"neutral","sentiment_score":-0.09235951852272539,"channel":1,"num_words":17,"start":435.735,"end":441.835},{"sentences":[{"text":"Yeah.","start":442.745,"end":443.145,"sentiment":"neutral","sentiment_score":0.038436710834503174},{"text":"And even the Suncorp wasn't too expensive.","start":443.145,"end":445.485,"sentiment":"neutral","sentiment_score":0.06523552962711879},{"text":"Like, I've seen some policies floating $3.04, 5,000.","start":445.54498,"end":448.845,"sentiment":"neutral","sentiment_score":0.059999475721269846},{"text":"But","start":449.305,"end":449.805,"sentiment":"neutral","sentiment_score":0.08271646499633789}],"sentiment":"neutral","sentiment_score":0.062223393470048904,"channel":0,"num_words":17,"start":442.745,"end":449.805},{"sentences":[{"text":"Yeah.","start":449.38998,"end":449.88998,"sentiment":"neutral","sentiment_score":0.0776001513004303}],"sentiment":"neutral","sentiment_score":0.0776001513004303,"channel":1,"num_words":1,"start":449.38998,"end":449.88998},{"sentences":[{"text":"if that was something where you do wanna save a bit, a bit of a trim down could be okay.","start":450.505,"end":455.405,"sentiment":"neutral","sentiment_score":0.14748044237494468}],"sentiment":"neutral","sentiment_score":0.14748044237494468,"channel":0,"num_words":20,"start":450.505,"end":455.405},{"sentences":[{"text":"Yep.","start":455.79,"end":456.29,"sentiment":"neutral","sentiment_score":0.24259452521800995},{"text":"Yeah.","start":456.43,"end":456.83,"sentiment":"positive","sentiment_score":0.35362309217453003},{"text":"Perfect.","start":456.83,"end":457.33,"sentiment":"positive","sentiment_score":0.5027729272842407}],"sentiment":"positive","sentiment_score":0.3663301815589269,"channel":1,"num_words":3,"start":455.79,"end":457.33},{"sentences":[{"text":"K.","start":457.73,"end":458.23,"sentiment":"neutral","sentiment_score":0.237782821059227},{"text":"So what I might do is I might send through these documents to your Gmail account.","start":458.29,"end":462.95,"sentiment":"neutral","sentiment_score":0.1709512760862708},{"text":"It's going to include statement of advice just showing the portfolio switch, the rollover, and the investment sorry, insurance reduction.","start":463.73,"end":473.015,"sentiment":"neutral","sentiment_score":0.13484240379184484}],"sentiment":"neutral","sentiment_score":0.1532392247101745,"channel":0,"num_words":37,"start":457.73,"end":473.015},{"sentences":[{"text":"Yep.","start":473.47,"end":473.97,"sentiment":"neutral","sentiment_score":0.25396791100502014}],"sentiment":"neutral","sentiment_score":0.25396791100502014,"channel":1,"num_words":1,"start":473.47,"end":473.97},{"sentences":[{"text":"And just make sure you're comfortable with all of that.","start":473.475,"end":476.135,"sentiment":"neutral","sentiment_score":0.27406041622161864},{"text":"So I","start":476.195,"end":476.515,"sentiment":"neutral","sentiment_score":0.18909519165754318}],"sentiment":"neutral","sentiment_score":0.2598995454609394,"channel":0,"num_words":12,"start":473.475,"end":476.515},{"sentences":[{"text":"Yep.","start":476.51,"end":477.01,"sentiment":"neutral","sentiment_score":0.18061041831970215}],"sentiment":"neutral","sentiment_score":0.18061041831970215,"channel":1,"num_words":1,"start":476.51,"end":477.01},{"sentences":[{"text":"am gonna pop that through to you.","start":476.515,"end":478.45502,"sentiment":"neutral","sentiment_score":0.19929746431963785},{"text":"Do you mind if I just quickly update a couple of those details you mentioned at the start of the call?","start":478.995,"end":483.54,"sentiment":"neutral","sentiment_score":0.09016732002298038}],"sentiment":"neutral","sentiment_score":0.11744985609714474,"channel":0,"num_words":28,"start":476.515,"end":483.54},{"sentences":[{"text":"Yeah.","start":483.71,"end":484.03,"sentiment":"neutral","sentiment_score":0.06680671870708466},{"text":"Of course.","start":484.03,"end":484.43,"sentiment":"neutral","sentiment_score":0.06769386678934097},{"text":"No problem.","start":484.43,"end":485.16998,"sentiment":"neutral","sentiment_score":0.12714333459734917}],"sentiment":"neutral","sentiment_score":0.09129622429609299,"channel":1,"num_words":5,"start":483.71,"end":485.16998},{"sentences":[{"text":"So you're still at the same address in Mooresland, I believe.","start":486.74002,"end":491.56,"sentiment":"neutral","sentiment_score":0.0675050558691675}],"sentiment":"neutral","sentiment_score":0.0675050558691675,"channel":0,"num_words":11,"start":486.74002,"end":491.56},{"sentences":[{"text":"We are 26 Mil Luca Circuit.","start":491.79498,"end":494.135,"sentiment":"neutral","sentiment_score":0.044211672618985176}],"sentiment":"neutral","sentiment_score":0.044211672618985176,"channel":1,"num_words":6,"start":491.79498,"end":494.135},{"sentences":[{"text":"Yep.","start":494.98,"end":495.38,"sentiment":"neutral","sentiment_score":0.16091303527355194},{"text":"Perfect.","start":495.38,"end":495.88,"sentiment":"neutral","sentiment_score":0.31454572081565857},{"text":"And have they changed your income much from I think it was about 120,000.","start":496.885,"end":500.805,"sentiment":"neutral","sentiment_score":0.0791075306811503},{"text":"Yeah.","start":500.805,"end":501.04498,"sentiment":"neutral","sentiment_score":0.19587594270706177},{"text":"That's good.","start":501.04498,"end":501.785,"sentiment":"neutral","sentiment_score":0.256862036883831}],"sentiment":"neutral","sentiment_score":0.12066127379473887,"channel":0,"num_words":19,"start":494.98,"end":501.785},{"sentences":[{"text":"No.","start":502.44998,"end":502.77,"sentiment":"neutral","sentiment_score":-0.01612071320414543},{"text":"It's probably around about the same.","start":502.77,"end":504.53,"sentiment":"neutral","sentiment_score":-0.031941348065932594},{"text":"Maybe 125.","start":504.53,"end":506.06998,"sentiment":"neutral","sentiment_score":0.0038258004933595666}],"sentiment":"neutral","sentiment_score":-0.022235244512557983,"channel":1,"num_words":9,"start":502.44998,"end":506.06998},{"sentences":[{"text":"Yep.","start":507.04498,"end":507.54498,"sentiment":"neutral","sentiment_score":0.05854783207178116},{"text":"And in terms of the home, you said you just done that refinance there.","start":507.685,"end":511.33002,"sentiment":"neutral","sentiment_score":0.038047793986541886},{"text":"I think last check, we had about 1 and a half mil value, $7.30 owing, and a bid in the offset account as well.","start":511.33002,"end":518.87,"sentiment":"neutral","sentiment_score":0.030728290711219113}],"sentiment":"neutral","sentiment_score":0.03406912628083657,"channel":0,"num_words":39,"start":507.04498,"end":518.87},{"sentences":[{"text":"Yeah.","start":519.745,"end":520.06494,"sentiment":"neutral","sentiment_score":0.021005699411034584},{"text":"So we're at probably about 1.8 mil value.","start":520.06494,"end":523.76495,"sentiment":"neutral","sentiment_score":-0.009296274976804852},{"text":"We've got $808,104,000 owing.","start":525.58496,"end":531.14996,"sentiment":"neutral","sentiment_score":-0.0025872245896607637},{"text":"So that's what the new mortgage, remortgages.","start":531.20996,"end":533.39,"sentiment":"neutral","sentiment_score":-0.07564792569194521},{"text":"And there's probably we've refinanced.","start":534.41,"end":538.51,"sentiment":"neutral","sentiment_score":-0.1087323471903801}],"sentiment":"neutral","sentiment_score":-0.04547642458230257,"channel":1,"num_words":25,"start":519.745,"end":538.51},{"sentences":[{"text":"We've listed we paid off Kevin's car, so that was why we've done that.","start":538.64996,"end":543.805,"sentiment":"neutral","sentiment_score":0.007250855876398938},{"text":"So what will be","start":543.865,"end":545.085,"sentiment":"neutral","sentiment_score":0.0022619443479925394}],"sentiment":"neutral","sentiment_score":0.006142208870086405,"channel":1,"num_words":18,"start":538.64996,"end":545.085},{"sentences":[{"text":"Yeah.","start":544.75,"end":545.25,"sentiment":"neutral","sentiment_score":0.001249836292117834}],"sentiment":"neutral","sentiment_score":0.001249836292117834,"channel":0,"num_words":1,"start":544.75,"end":545.25},{"sentences":[{"text":"in the offset?","start":545.225,"end":546.205,"sentiment":"neutral","sentiment_score":-0.0009803730063140392},{"text":"We're","start":546.345,"end":546.505,"sentiment":"neutral","sentiment_score":0.005654515698552132}],"sentiment":"neutral","sentiment_score":0.0006783491699025035,"channel":1,"num_words":4,"start":545.225,"end":546.505},{"sentences":[{"text":"Yep.","start":546.445,"end":546.945,"sentiment":"neutral","sentiment_score":0.01789052039384842}],"sentiment":"neutral","sentiment_score":0.01789052039384842,"channel":0,"num_words":1,"start":546.445,"end":546.945},{"sentences":[{"text":"not gonna call it an offset.","start":546.505,"end":547.705,"sentiment":"neutral","sentiment_score":-0.044369569048285484},{"text":"We're just gonna put it in a redraw facility.","start":547.705,"end":549.645,"sentiment":"neutral","sentiment_score":0.00794432508862681},{"text":"So there'll be probably a 100,000 in the redraw.","start":550.265,"end":553.98004,"sentiment":"neutral","sentiment_score":0.04644324071705341}],"sentiment":"neutral","sentiment_score":0.009302944915058712,"channel":1,"num_words":24,"start":546.505,"end":553.98004},{"sentences":[{"text":"Perfect.","start":555.005,"end":555.505,"sentiment":"positive","sentiment_score":0.5715246200561523},{"text":"And I think you had a a Tesla listed there as well with a bit of debt owing on that one.","start":555.725,"end":560.625,"sentiment":"neutral","sentiment_score":0.20407560467720032}],"sentiment":"neutral","sentiment_score":0.22077783264897086,"channel":0,"num_words":22,"start":555.005,"end":560.625},{"sentences":[{"text":"Yeah.","start":560.76,"end":561.08,"sentiment":"neutral","sentiment_score":0.11732061952352524},{"text":"That's still there.","start":561.08,"end":562.22003,"sentiment":"neutral","sentiment_score":0.12630332012971243}],"sentiment":"neutral","sentiment_score":0.12405764497816563,"channel":1,"num_words":4,"start":560.76,"end":562.22003},{"sentences":[{"text":"Yep.","start":562.92,"end":563.24,"sentiment":"neutral","sentiment_score":0.2207547277212143},{"text":"Cool.","start":563.24,"end":563.48,"sentiment":"positive","sentiment_score":0.3796614408493042},{"text":"So I think I'll put that around the 80 mark for that one.","start":563.48,"end":567.18,"sentiment":"neutral","sentiment_score":0.3079240390887627}],"sentiment":"neutral","sentiment_score":0.30689524511496225,"channel":0,"num_words":15,"start":562.92,"end":567.18},{"sentences":[{"text":"Perfect.","start":567.895,"end":568.395,"sentiment":"positive","sentiment_score":0.6010414361953735}],"sentiment":"positive","sentiment_score":0.6010414361953735,"channel":1,"num_words":1,"start":567.895,"end":568.395},{"sentences":[{"text":"Outside of that, I think everything's looking pretty good.","start":569.32,"end":572.22003,"sentiment":"positive","sentiment_score":0.5744959513346354},{"text":"Didn't end up getting, like, a actually, were you pretty close to putting a will in place?","start":572.60004,"end":576.935,"sentiment":"neutral","sentiment_score":-0.0378347326289205}],"sentiment":"neutral","sentiment_score":0.17412588874307963,"channel":0,"num_words":26,"start":569.32,"end":576.935},{"sentences":[{"text":"We actually didn't.","start":578.06,"end":579.1,"sentiment":"neutral","sentiment_score":-0.1758451908826828},{"text":"We we both of us need to do that.","start":579.1,"end":581.18,"sentiment":"neutral","sentiment_score":-0.18536676466464996},{"text":"Like, that's something that we need to really do pretty urgently, but it hasn't been finalized yet.","start":581.18,"end":585.82,"sentiment":"neutral","sentiment_score":-0.17355236586402445},{"text":"I think Kev went through the union, and we sent him some documents, and he filled something out, but he probably stopped halfway through.","start":585.82,"end":592.45996,"sentiment":"neutral","sentiment_score":-0.09690717607736588},{"text":"But we need to get that sorted, like, ASAP.","start":592.45996,"end":595.355,"sentiment":"neutral","sentiment_score":-0.1372714208232032}],"sentiment":"neutral","sentiment_score":-0.14044260786425683,"channel":1,"num_words":62,"start":578.06,"end":595.355},{"sentences":[{"text":"Yeah.","start":595.97,"end":596.47,"sentiment":"neutral","sentiment_score":0.0323258712887764},{"text":"That's okay.","start":596.76996,"end":597.57,"sentiment":"neutral","sentiment_score":0.06291504204273224},{"text":"And I'm I'll put the usual reminder in the advice document about wills and powers of attorney.","start":597.57,"end":603.17505,"sentiment":"neutral","sentiment_score":0.04100233568426441},{"text":"Again,","start":603.635,"end":603.955,"sentiment":"neutral","sentiment_score":0.047435861080884933}],"sentiment":"neutral","sentiment_score":0.04298245348036289,"channel":0,"num_words":21,"start":595.97,"end":603.955},{"sentences":[{"text":"Yeah.","start":603.815,"end":604.315,"sentiment":"neutral","sentiment_score":0.14121809601783752}],"sentiment":"neutral","sentiment_score":0.14121809601783752,"channel":1,"num_words":1,"start":603.815,"end":604.315},{"sentences":[{"text":"through the unions is pretty cool.","start":603.955,"end":605.655,"sentiment":"neutral","sentiment_score":0.2414727583527565},{"text":"The the old post office will kit, though it's legal, they're pretty basic.","start":605.875,"end":610.135,"sentiment":"neutral","sentiment_score":0.03158343927218364}],"sentiment":"neutral","sentiment_score":0.09786427687657506,"channel":0,"num_words":19,"start":603.955,"end":610.135},{"sentences":[{"text":"Are","start":610.67,"end":610.82996,"sentiment":"neutral","sentiment_score":0.00781603530049324}],"sentiment":"neutral","sentiment_score":0.00781603530049324,"channel":1,"num_words":1,"start":610.67,"end":610.82996},{"sentences":[{"text":"And","start":610.69,"end":611.19,"sentiment":"neutral","sentiment_score":0.00964759849011898}],"sentiment":"neutral","sentiment_score":0.00964759849011898,"channel":0,"num_words":1,"start":610.69,"end":611.19},{"sentences":[{"text":"they alright,","start":610.82996,"end":611.47,"sentiment":"neutral","sentiment_score":0.008125361986458302}],"sentiment":"neutral","sentiment_score":0.008125361986458302,"channel":1,"num_words":2,"start":610.82996,"end":611.47},{"sentences":[{"text":"besides","start":611.25,"end":611.75,"sentiment":"neutral","sentiment_score":0.007451881654560566}],"sentiment":"neutral","sentiment_score":0.007451881654560566,"channel":0,"num_words":1,"start":611.25,"end":611.75},{"sentences":[{"text":"though?","start":611.47,"end":611.97,"sentiment":"neutral","sentiment_score":0.007718057371675968}],"sentiment":"neutral","sentiment_score":0.007718057371675968,"channel":1,"num_words":1,"start":611.47,"end":611.97},{"sentences":[{"text":"so the basic ones, they are, like, government approved.","start":612.93,"end":615.81,"sentiment":"neutral","sentiment_score":0.015315000588695208},{"text":"That's why","start":615.81,"end":616.44995,"sentiment":"neutral","sentiment_score":0.02292446419596672}],"sentiment":"neutral","sentiment_score":0.01669853942638094,"channel":0,"num_words":11,"start":612.93,"end":616.44995},{"sentences":[{"text":"Yeah.","start":616.26996,"end":616.76996,"sentiment":"neutral","sentiment_score":0.013256016187369823}],"sentiment":"neutral","sentiment_score":0.013256016187369823,"channel":1,"num_words":1,"start":616.26996,"end":616.76996},{"sentences":[{"text":"those posters are allowed to sell them.","start":616.44995,"end":618.31,"sentiment":"neutral","sentiment_score":-0.007031863289219993},{"text":"But outside of, like, you know, this is where the home and the cash goes, you're you're not gonna be setting up, like, a testament through trust for the kids or","start":618.61,"end":626.075,"sentiment":"neutral","sentiment_score":-0.04037176324955879}],"sentiment":"neutral","sentiment_score":-0.03423020273054901,"channel":0,"num_words":38,"start":616.44995,"end":626.075},{"sentences":[{"text":"No.","start":625.905,"end":626.145,"sentiment":"neutral","sentiment_score":-0.10064023733139038}],"sentiment":"neutral","sentiment_score":-0.10064023733139038,"channel":1,"num_words":1,"start":625.905,"end":626.145},{"sentences":[{"text":"anything","start":626.075,"end":626.47504,"sentiment":"neutral","sentiment_score":-0.06973347812891006}],"sentiment":"neutral","sentiment_score":-0.06973347812891006,"channel":0,"num_words":1,"start":626.075,"end":626.47504},{"sentences":[{"text":"No.","start":626.145,"end":626.385,"sentiment":"neutral","sentiment_score":-0.13997869193553925},{"text":"No.","start":626.385,"end":626.545,"sentiment":"neutral","sentiment_score":-0.2073664665222168}],"sentiment":"neutral","sentiment_score":-0.17367257922887802,"channel":1,"num_words":2,"start":626.145,"end":626.545},{"sentences":[{"text":"like","start":626.47504,"end":626.715,"sentiment":"neutral","sentiment_score":-0.19031557440757751}],"sentiment":"neutral","sentiment_score":-0.19031557440757751,"channel":0,"num_words":1,"start":626.47504,"end":626.715},{"sentences":[{"text":"No.","start":626.545,"end":626.865,"sentiment":"neutral","sentiment_score":-0.23606044054031372}],"sentiment":"neutral","sentiment_score":-0.23606044054031372,"channel":1,"num_words":1,"start":626.545,"end":626.865},{"sentences":[{"text":"that.","start":626.715,"end":627.215,"sentiment":"neutral","sentiment_score":-0.1908123940229416}],"sentiment":"neutral","sentiment_score":-0.1908123940229416,"channel":0,"num_words":1,"start":626.715,"end":627.215},{"sentences":[{"text":"No.","start":626.865,"end":627.105,"sentiment":"neutral","sentiment_score":-0.17851343750953674},{"text":"It's pretty basic.","start":627.105,"end":628.065,"sentiment":"neutral","sentiment_score":-0.12402442594369252},{"text":"It would be pretty basic.","start":628.065,"end":629.28503,"sentiment":"neutral","sentiment_score":-0.0003614116460084915}],"sentiment":"neutral","sentiment_score":-0.0613770859522952,"channel":1,"num_words":9,"start":626.865,"end":629.28503},{"sentences":[{"text":"Yep.","start":630.395,"end":630.795,"sentiment":"neutral","sentiment_score":0.12933386862277985},{"text":"Easy done.","start":630.795,"end":631.615,"sentiment":"neutral","sentiment_score":0.2382419165223837},{"text":"And we wanted to update beneficiaries on the super accounts and just make sure everything's going where it should be.","start":631.835,"end":638.73,"sentiment":"neutral","sentiment_score":0.1860531374812126},{"text":"Are you","start":638.87,"end":639.19,"sentiment":"neutral","sentiment_score":0.10361339524388313}],"sentiment":"neutral","sentiment_score":0.18136428967118262,"channel":0,"num_words":25,"start":630.395,"end":639.19},{"sentences":[{"text":"Yep.","start":639.14996,"end":639.64996,"sentiment":"neutral","sentiment_score":0.09817638248205184}],"sentiment":"neutral","sentiment_score":0.09817638248205184,"channel":1,"num_words":1,"start":639.14996,"end":639.64996},{"sentences":[{"text":"just wanting to make sure that Kev gets pretty much all the super, all the life insurance, just all of it?","start":639.19,"end":645.20996,"sentiment":"neutral","sentiment_score":0.15220397462447485}],"sentiment":"neutral","sentiment_score":0.15220397462447485,"channel":0,"num_words":21,"start":639.19,"end":645.20996},{"sentences":[{"text":"Yeah.","start":645.31,"end":645.55,"sentiment":"neutral","sentiment_score":0.08147940039634705},{"text":"Yeah.","start":645.55,"end":646.05,"sentiment":"neutral","sentiment_score":0.10901201516389848}],"sentiment":"neutral","sentiment_score":0.09524570778012276,"channel":1,"num_words":2,"start":645.31,"end":646.05},{"sentences":[{"text":"So so I might get my admin, Michelle, just to send through some beneficiary forms.","start":647.11,"end":652.645,"sentiment":"neutral","sentiment_score":0.1990005115667979},{"text":"At least that's pretty easy.","start":652.705,"end":654.145,"sentiment":"positive","sentiment_score":0.33740639090538027},{"text":"It's just to get them witnessed","start":654.145,"end":655.445,"sentiment":"neutral","sentiment_score":0.14333022882541022}],"sentiment":"neutral","sentiment_score":0.21277003849928194,"channel":0,"num_words":26,"start":647.11,"end":655.445},{"sentences":[{"text":"Yep.","start":655.715,"end":655.875,"sentiment":"neutral","sentiment_score":0.07999085634946823},{"text":"Yep.","start":655.875,"end":656.375,"sentiment":"neutral","sentiment_score":0.05931064113974571}],"sentiment":"neutral","sentiment_score":0.06965074874460697,"channel":1,"num_words":2,"start":655.715,"end":656.375},{"sentences":[{"text":"by two adults who aren't.","start":656.305,"end":658.165,"sentiment":"neutral","sentiment_score":0.037822019308805466},{"text":"And","start":658.785,"end":659.285,"sentiment":"neutral","sentiment_score":0.03919469937682152}],"sentiment":"neutral","sentiment_score":0.03805079932014147,"channel":0,"num_words":6,"start":656.305,"end":659.285},{"sentences":[{"text":"Yep.","start":658.915,"end":659.415,"sentiment":"neutral","sentiment_score":0.03378104418516159}],"sentiment":"neutral","sentiment_score":0.03378104418516159,"channel":1,"num_words":1,"start":658.915,"end":659.415},{"sentences":[{"text":"would you like them to be, like, continuous for non lacing, or do you want it to expire every three years?","start":660.785,"end":667.33,"sentiment":"neutral","sentiment_score":0.021563299000263214}],"sentiment":"neutral","sentiment_score":0.021563299000263214,"channel":0,"num_words":21,"start":660.785,"end":667.33},{"sentences":[{"text":"No.","start":668.69,"end":668.93,"sentiment":"neutral","sentiment_score":-0.02284367009997368},{"text":"Just continue it.","start":668.93,"end":669.88995,"sentiment":"neutral","sentiment_score":-0.02130909077823162},{"text":"If anything changes, I'll let you guys know.","start":669.88995,"end":672.38995,"sentiment":"neutral","sentiment_score":0.01623453327920288},{"text":"The only","start":672.69,"end":673.25,"sentiment":"neutral","sentiment_score":0.016259954310953617}],"sentiment":"neutral","sentiment_score":0.005401802315775838,"channel":1,"num_words":14,"start":668.69,"end":673.25},{"sentences":[{"text":"Yeah.","start":673.07,"end":673.39,"sentiment":"neutral","sentiment_score":0.08805142343044281}],"sentiment":"neutral","sentiment_score":0.08805142343044281,"channel":0,"num_words":1,"start":673.07,"end":673.39},{"sentences":[{"text":"thing","start":673.25,"end":673.75,"sentiment":"neutral","sentiment_score":0.1691420078277588}],"sentiment":"neutral","sentiment_score":0.1691420078277588,"channel":1,"num_words":1,"start":673.25,"end":673.75},{"sentences":[{"text":"Perfect.","start":673.39,"end":673.89,"sentiment":"neutral","sentiment_score":0.2903289198875427}],"sentiment":"neutral","sentiment_score":0.2903289198875427,"channel":0,"num_words":1,"start":673.39,"end":673.89},{"sentences":[{"text":"that she was holding off on was my driving license is due to be renewed in July.","start":673.81,"end":679.33496,"sentiment":"neutral","sentiment_score":0.0660577015403439},{"text":"So she didn't","start":679.795,"end":680.515,"sentiment":"neutral","sentiment_score":0.04932777831951777}],"sentiment":"neutral","sentiment_score":0.06354821305721998,"channel":1,"num_words":20,"start":673.81,"end":680.515},{"sentences":[{"text":"Yep.","start":680.285,"end":680.785,"sentiment":"neutral","sentiment_score":0.04319562762975693}],"sentiment":"neutral","sentiment_score":0.04319562762975693,"channel":0,"num_words":1,"start":680.285,"end":680.785},{"sentences":[{"text":"wanna she didn't wanna prefill the forms and send them out because my driving license is then gonna need to be updated.","start":680.515,"end":686.995,"sentiment":"neutral","sentiment_score":0.04806953143667091},{"text":"And so she said wait till after that is till your driving license has been renewed, and I'll send the new forms.","start":686.995,"end":693.415,"sentiment":"neutral","sentiment_score":0.05121689950200645}],"sentiment":"neutral","sentiment_score":0.049643215469338677,"channel":1,"num_words":44,"start":680.515,"end":693.415},{"sentences":[{"text":"Yeah.","start":694.06,"end":694.38,"sentiment":"neutral","sentiment_score":0.18012620508670807},{"text":"That's easy.","start":694.38,"end":694.94,"sentiment":"neutral","sentiment_score":0.27784959971904755},{"text":"Done.","start":694.94,"end":695.26,"sentiment":"neutral","sentiment_score":0.18207500874996185},{"text":"And are you okay for them to be kind of emailed and printed, or would you","start":695.26,"end":698.46,"sentiment":"neutral","sentiment_score":0.050652913632802665}],"sentiment":"neutral","sentiment_score":0.08641735156998039,"channel":0,"num_words":20,"start":694.06,"end":698.46},{"sentences":[{"text":"Yeah.","start":698.46,"end":698.7,"sentiment":"neutral","sentiment_score":0.0309970248490572}],"sentiment":"neutral","sentiment_score":0.0309970248490572,"channel":1,"num_words":1,"start":698.46,"end":698.7},{"sentences":[{"text":"like them","start":698.46,"end":698.77997,"sentiment":"neutral","sentiment_score":0.024038895033299923}],"sentiment":"neutral","sentiment_score":0.024038895033299923,"channel":0,"num_words":2,"start":698.46,"end":698.77997},{"sentences":[{"text":"Yeah.","start":698.7,"end":699.2,"sentiment":"neutral","sentiment_score":0.02392137236893177}],"sentiment":"neutral","sentiment_score":0.02392137236893177,"channel":1,"num_words":1,"start":698.7,"end":699.2},{"sentences":[{"text":"to post it?","start":698.77997,"end":699.68,"sentiment":"neutral","sentiment_score":0.01203007468332847}],"sentiment":"neutral","sentiment_score":0.01203007468332847,"channel":0,"num_words":3,"start":698.77997,"end":699.68},{"sentences":[{"text":"No.","start":700.06,"end":700.38,"sentiment":"neutral","sentiment_score":-0.011590497568249702},{"text":"That's fine.","start":700.38,"end":701.02,"sentiment":"neutral","sentiment_score":0.038737211376428604},{"text":"Email and printed is fine.","start":701.02,"end":702.64,"sentiment":"neutral","sentiment_score":0.06100969240069389}],"sentiment":"neutral","sentiment_score":0.04636654839850962,"channel":1,"num_words":8,"start":700.06,"end":702.64},{"sentences":[{"text":"Yep.","start":703.39496,"end":703.795,"sentiment":"neutral","sentiment_score":0.1970049738883972},{"text":"Beautiful.","start":703.795,"end":704.295,"sentiment":"positive","sentiment_score":0.4680486917495727},{"text":"So what I'll do is I've also just included the updated service agreement as well because","start":704.355,"end":710.695,"sentiment":"neutral","sentiment_score":0.1660490594804287}],"sentiment":"neutral","sentiment_score":0.1845465898513794,"channel":0,"num_words":18,"start":703.39496,"end":710.695},{"sentences":[{"text":"Yeah.","start":710.445,"end":710.945,"sentiment":"neutral","sentiment_score":0.023998189717531204}],"sentiment":"neutral","sentiment_score":0.023998189717531204,"channel":1,"num_words":1,"start":710.445,"end":710.945},{"sentences":[{"text":"I think yours clicked off two weeks ago,","start":710.915,"end":713.495,"sentiment":"neutral","sentiment_score":-0.004194628214463592}],"sentiment":"neutral","sentiment_score":-0.004194628214463592,"channel":0,"num_words":8,"start":710.915,"end":713.495},{"sentences":[{"text":"Okay.","start":713.885,"end":714.385,"sentiment":"neutral","sentiment_score":-0.055347785353660583}],"sentiment":"neutral","sentiment_score":-0.055347785353660583,"channel":1,"num_words":1,"start":713.885,"end":714.385},{"sentences":[{"text":"and we can't make any changes to the account unless we're listed as your reply.","start":714.0,"end":718.42,"sentiment":"neutral","sentiment_score":-0.08345600292086601}],"sentiment":"neutral","sentiment_score":-0.08345600292086601,"channel":0,"num_words":15,"start":714.0,"end":718.42},{"sentences":[{"text":"Okay.","start":719.80505,"end":720.05505,"sentiment":"neutral","sentiment_score":0.1627824753522873},{"text":"Perfect.","start":720.05505,"end":720.55505,"sentiment":"positive","sentiment_score":0.33562585711479187}],"sentiment":"neutral","sentiment_score":0.24920416623353958,"channel":1,"num_words":2,"start":719.80505,"end":720.55505},{"sentences":[{"text":"You're still on the discounted fee structure with Kev, the one point","start":720.72003,"end":725.12,"sentiment":"neutral","sentiment_score":0.2391828360656897}],"sentiment":"neutral","sentiment_score":0.2391828360656897,"channel":0,"num_words":12,"start":720.72003,"end":725.12},{"sentences":[{"text":"Yep.","start":725.11,"end":725.61,"sentiment":"neutral","sentiment_score":0.155798077583313}],"sentiment":"neutral","sentiment_score":0.155798077583313,"channel":1,"num_words":1,"start":725.11,"end":725.61},{"sentences":[{"text":"1% instead of the one six five.","start":725.12,"end":727.46,"sentiment":"neutral","sentiment_score":0.12468619644641876}],"sentiment":"neutral","sentiment_score":0.12468619644641876,"channel":0,"num_words":7,"start":725.12,"end":727.46},{"sentences":[{"text":"Yep.","start":727.91,"end":728.41,"sentiment":"neutral","sentiment_score":0.18516266345977783}],"sentiment":"neutral","sentiment_score":0.18516266345977783,"channel":1,"num_words":1,"start":727.91,"end":728.41},{"sentences":[{"text":"We do have a tiered structure coming through next year.","start":728.655,"end":732.515,"sentiment":"neutral","sentiment_score":0.19216954261064528},{"text":"So that will basically mean that the higher the balance, the lower the percentage goes.","start":732.895,"end":737.555,"sentiment":"neutral","sentiment_score":0.16916704972585042},{"text":"So","start":737.775,"end":738.09503,"sentiment":"neutral","sentiment_score":0.19611027836799624}],"sentiment":"neutral","sentiment_score":0.17905044039854637,"channel":0,"num_words":26,"start":728.655,"end":738.09503},{"sentences":[{"text":"Yeah.","start":737.95496,"end":738.45496,"sentiment":"neutral","sentiment_score":0.2242391407489777}],"sentiment":"neutral","sentiment_score":0.2242391407489777,"channel":1,"num_words":1,"start":737.95496,"end":738.45496},{"sentences":[{"text":"it'll start actually ticking down at the next review below the 1.1 as well.","start":738.09503,"end":743.37,"sentiment":"neutral","sentiment_score":0.19027235039642879}],"sentiment":"neutral","sentiment_score":0.19027235039642879,"channel":0,"num_words":14,"start":738.09503,"end":743.37},{"sentences":[{"text":"Yeah.","start":743.475,"end":743.71497,"sentiment":"neutral","sentiment_score":0.10256454348564148},{"text":"Oh, yeah.","start":743.71497,"end":744.115,"sentiment":"neutral","sentiment_score":0.07244149409234524},{"text":"Perfect.","start":744.115,"end":744.615,"sentiment":"positive","sentiment_score":0.6250511407852173}],"sentiment":"neutral","sentiment_score":0.2181246681138873,"channel":1,"num_words":4,"start":743.475,"end":744.615},{"sentences":[{"text":"So what I'll do is I'm just gonna quickly get the document amended with the updated details, and then I'll pretty much just email that through within the next half an hour or so.","start":745.69,"end":755.55,"sentiment":"neutral","sentiment_score":0.15744142563027494}],"sentiment":"neutral","sentiment_score":0.15744142563027494,"channel":0,"num_words":34,"start":745.69,"end":755.55},{"sentences":[{"text":"Yep.","start":755.39,"end":755.70996,"sentiment":"neutral","sentiment_score":0.2246200293302536},{"text":"Awesome.","start":755.70996,"end":756.20996,"sentiment":"positive","sentiment_score":0.5562133193016052},{"text":"And I was just like is it just like a doc you're saying just to send back?","start":756.67,"end":760.20996,"sentiment":"neutral","sentiment_score":0.20278744399547577}],"sentiment":"neutral","sentiment_score":0.22253788929236562,"channel":1,"num_words":19,"start":755.39,"end":760.20996},{"sentences":[{"text":"Amazing.","start":760.85504,"end":761.09503,"sentiment":"positive","sentiment_score":0.561596155166626},{"text":"Pretty much.","start":761.09503,"end":761.73505,"sentiment":"positive","sentiment_score":0.4721258133649826},{"text":"And it's through our, like, custom built system called Odoo.","start":761.73505,"end":765.35504,"sentiment":"neutral","sentiment_score":0.1750137135386467},{"text":"Just exactly","start":765.575,"end":766.375,"sentiment":"neutral","sentiment_score":0.16808222234249115}],"sentiment":"neutral","sentiment_score":0.2394766241312027,"channel":0,"num_words":15,"start":760.85504,"end":766.375},{"sentences":[{"text":"Yep.","start":766.075,"end":766.39496,"sentiment":"neutral","sentiment_score":0.11780725419521332}],"sentiment":"neutral","sentiment_score":0.11780725419521332,"channel":1,"num_words":1,"start":766.075,"end":766.39496},{"sentences":[{"text":"the","start":766.375,"end":766.53503,"sentiment":"neutral","sentiment_score":0.1060974970459938}],"sentiment":"neutral","sentiment_score":0.1060974970459938,"channel":0,"num_words":1,"start":766.375,"end":766.53503},{"sentences":[{"text":"Yep.","start":766.39496,"end":766.89496,"sentiment":"neutral","sentiment_score":0.09400423616170885}],"sentiment":"neutral","sentiment_score":0.09400423616170885,"channel":1,"num_words":1,"start":766.39496,"end":766.89496},{"sentences":[{"text":"same as DocuSign, but purple.","start":766.53503,"end":768.155,"sentiment":"neutral","sentiment_score":0.11752119362354278},{"text":"It'll click you through to stamp signatures and, like, dates and everything if you just click the button.","start":769.07,"end":776.05005,"sentiment":"neutral","sentiment_score":0.09769486056433783}],"sentiment":"neutral","sentiment_score":0.10200493296851283,"channel":0,"num_words":23,"start":766.53503,"end":776.05005},{"sentences":[{"text":"Yep.","start":776.235,"end":776.735,"sentiment":"neutral","sentiment_score":0.041646506637334824}],"sentiment":"neutral","sentiment_score":0.041646506637334824,"channel":1,"num_words":1,"start":776.235,"end":776.735},{"sentences":[{"text":"There is a lot of extra documents that are, like, a thousand pages of product documents from Suncorp","start":776.35004,"end":781.73004,"sentiment":"neutral","sentiment_score":0.0090771255393823}],"sentiment":"neutral","sentiment_score":0.0090771255393823,"channel":0,"num_words":18,"start":776.35004,"end":781.73004},{"sentences":[{"text":"Yeah.","start":781.48,"end":781.98,"sentiment":"neutral","sentiment_score":0.013169754296541214}],"sentiment":"neutral","sentiment_score":0.013169754296541214,"channel":1,"num_words":1,"start":781.48,"end":781.98},{"sentences":[{"text":"and Hub twenty four.","start":781.79004,"end":783.09,"sentiment":"neutral","sentiment_score":0.010234613087959588},{"text":"You can just click next document.","start":783.185,"end":784.545,"sentiment":"neutral","sentiment_score":0.00979475025087595},{"text":"You don't have to scroll through all 900 pages.","start":784.545,"end":786.885,"sentiment":"neutral","sentiment_score":-0.004129923983580536}],"sentiment":"neutral","sentiment_score":0.0032914546318352222,"channel":0,"num_words":19,"start":781.79004,"end":786.885},{"sentences":[{"text":"Yep.","start":786.76,"end":787.24,"sentiment":"neutral","sentiment_score":0.018984049558639526},{"text":"Yeah.","start":787.24,"end":787.74,"sentiment":"neutral","sentiment_score":0.013643583282828333}],"sentiment":"neutral","sentiment_score":0.01631381642073393,"channel":1,"num_words":2,"start":786.76,"end":787.74},{"sentences":[{"text":"The","start":788.865,"end":789.02496,"sentiment":"neutral","sentiment_score":0.0024397652596235275}],"sentiment":"neutral","sentiment_score":0.0024397652596235275,"channel":0,"num_words":1,"start":788.865,"end":789.02496},{"sentences":[{"text":"Yeah.","start":788.92,"end":789.24,"sentiment":"neutral","sentiment_score":-0.002413366921246052}],"sentiment":"neutral","sentiment_score":-0.002413366921246052,"channel":1,"num_words":1,"start":788.92,"end":789.24},{"sentences":[{"text":"only","start":789.02496,"end":789.26495,"sentiment":"neutral","sentiment_score":-0.02668769285082817}],"sentiment":"neutral","sentiment_score":-0.02668769285082817,"channel":0,"num_words":1,"start":789.02496,"end":789.26495},{"sentences":[{"text":"I","start":789.24,"end":789.32,"sentiment":"neutral","sentiment_score":-0.03598393499851227}],"sentiment":"neutral","sentiment_score":-0.03598393499851227,"channel":1,"num_words":1,"start":789.24,"end":789.32},{"sentences":[{"text":"one","start":789.26495,"end":789.425,"sentiment":"neutral","sentiment_score":-0.04732368886470795}],"sentiment":"neutral","sentiment_score":-0.04732368886470795,"channel":0,"num_words":1,"start":789.26495,"end":789.425},{"sentences":[{"text":"was","start":789.32,"end":789.48,"sentiment":"neutral","sentiment_score":-0.05965575575828552}],"sentiment":"neutral","sentiment_score":-0.05965575575828552,"channel":1,"num_words":1,"start":789.32,"end":789.48},{"sentences":[{"text":"that","start":789.425,"end":789.58496,"sentiment":"neutral","sentiment_score":-0.05263333395123482}],"sentiment":"neutral","sentiment_score":-0.05263333395123482,"channel":0,"num_words":1,"start":789.425,"end":789.58496},{"sentences":[{"text":"just","start":789.48,"end":789.72,"sentiment":"neutral","sentiment_score":-0.05117319151759147}],"sentiment":"neutral","sentiment_score":-0.05117319151759147,"channel":1,"num_words":1,"start":789.48,"end":789.72},{"sentences":[{"text":"I would","start":789.58496,"end":789.90497,"sentiment":"neutral","sentiment_score":-0.05895918793976307}],"sentiment":"neutral","sentiment_score":-0.05895918793976307,"channel":0,"num_words":2,"start":789.58496,"end":789.90497},{"sentences":[{"text":"doing","start":789.72,"end":790.04,"sentiment":"neutral","sentiment_score":-0.0493769571185112}],"sentiment":"neutral","sentiment_score":-0.0493769571185112,"channel":1,"num_words":1,"start":789.72,"end":790.04},{"sentences":[{"text":"kind","start":789.90497,"end":790.14496,"sentiment":"neutral","sentiment_score":-0.0380638912320137}],"sentiment":"neutral","sentiment_score":-0.0380638912320137,"channel":0,"num_words":1,"start":789.90497,"end":790.14496},{"sentences":[{"text":"now.","start":790.04,"end":790.54,"sentiment":"neutral","sentiment_score":-0.04178397357463837}],"sentiment":"neutral","sentiment_score":-0.04178397357463837,"channel":1,"num_words":1,"start":790.04,"end":790.54},{"sentences":[{"text":"of caution on is for the Suncorp production quote, you're probably better off just clicking on the signature and drawing it so it matches your ID.","start":790.14496,"end":799.67004,"sentiment":"neutral","sentiment_score":-0.06247384215776737}],"sentiment":"neutral","sentiment_score":-0.06247384215776737,"channel":0,"num_words":26,"start":790.14496,"end":799.67004},{"sentences":[{"text":"Yeah.","start":800.055,"end":800.135,"sentiment":"neutral","sentiment_score":-0.00758045818656683},{"text":"Okay.","start":800.135,"end":800.635,"sentiment":"neutral","sentiment_score":-0.007608223240822554}],"sentiment":"neutral","sentiment_score":-0.007594340713694692,"channel":1,"num_words":2,"start":800.055,"end":800.635},{"sentences":[{"text":"I'm assuming your signature won't change for the next ID that comes through.","start":800.85004,"end":805.19,"sentiment":"neutral","sentiment_score":-0.024307602156813327}],"sentiment":"neutral","sentiment_score":-0.024307602156813327,"channel":0,"num_words":13,"start":800.85004,"end":805.19},{"sentences":[{"text":"Well, no.","start":805.255,"end":805.975,"sentiment":"neutral","sentiment_score":-0.08121057599782944},{"text":"That's that I think that was one of the issues with the beneficiary form last year because my work signature is just squiggle, and my driving license signature is an actual proper signature.","start":805.975,"end":816.29,"sentiment":"neutral","sentiment_score":-0.09724263666254102},{"text":"And I think I had to squiggle instead of written my signature, so I'll make sure it's a driving license signature.","start":816.29,"end":822.63,"sentiment":"neutral","sentiment_score":-0.04360191346634002}],"sentiment":"neutral","sentiment_score":-0.07655479186879736,"channel":1,"num_words":56,"start":805.255,"end":822.63},{"sentences":[{"text":"Gotcha.","start":823.69,"end":824.17,"sentiment":"neutral","sentiment_score":0.0961611270904541},{"text":"Perfect.","start":824.17,"end":824.57,"sentiment":"neutral","sentiment_score":0.2939566969871521},{"text":"Perfect.","start":824.57,"end":824.89,"sentiment":"neutral","sentiment_score":0.324077308177948},{"text":"Perfect.","start":824.89,"end":825.37,"sentiment":"positive","sentiment_score":0.43053972721099854},{"text":"Alright.","start":825.37,"end":825.87,"sentiment":"neutral","sentiment_score":0.26545649766921997}],"sentiment":"neutral","sentiment_score":0.28203827142715454,"channel":0,"num_words":5,"start":823.69,"end":825.87},{"sentences":[{"text":"So I'll get that through in the next half an hour or so.","start":825.93,"end":829.05,"sentiment":"neutral","sentiment_score":0.23645802873831528},{"text":"Do you have any questions for me?","start":829.05,"end":831.15,"sentiment":"neutral","sentiment_score":0.08228441221373421}],"sentiment":"neutral","sentiment_score":0.18249726295471191,"channel":0,"num_words":20,"start":825.93,"end":831.15},{"sentences":[{"text":"No.","start":831.245,"end":831.645,"sentiment":"neutral","sentiment_score":-0.017246969044208527},{"text":"Nothing.","start":831.645,"end":832.125,"sentiment":"neutral","sentiment_score":0.0719010978937149},{"text":"That sounds awesome.","start":832.125,"end":833.025,"sentiment":"positive","sentiment_score":0.42131688197453815},{"text":"Thank you so much.","start":833.085,"end":834.22504,"sentiment":"positive","sentiment_score":0.6067800968885422}],"sentiment":"positive","sentiment_score":0.4161916847030322,"channel":1,"num_words":9,"start":831.245,"end":834.22504},{"sentences":[{"text":"So if you go through that advice document and you do have any questions, please just give us a call.","start":834.985,"end":839.545,"sentiment":"neutral","sentiment_score":0.17964551597833633},{"text":"I'm happy to jump on and sort of explain the pros and cons to you.","start":839.545,"end":843.245,"sentiment":"positive","sentiment_score":0.33703824977080027}],"sentiment":"neutral","sentiment_score":0.24709954474653517,"channel":0,"num_words":35,"start":834.985,"end":843.245},{"sentences":[{"text":"Yep.","start":843.42004,"end":843.92004,"sentiment":"neutral","sentiment_score":0.1113702654838562}],"sentiment":"neutral","sentiment_score":0.1113702654838562,"channel":1,"num_words":1,"start":843.42004,"end":843.92004},{"sentences":[{"text":"But, again, pretty straightforward.","start":843.705,"end":845.645,"sentiment":"neutral","sentiment_score":0.17929355520755053},{"text":"Update the portfolio, get the performance back on track,","start":845.865,"end":848.91,"sentiment":"neutral","sentiment_score":0.2798900289667977}],"sentiment":"neutral","sentiment_score":0.24893726781010628,"channel":0,"num_words":13,"start":843.705,"end":848.91},{"sentences":[{"text":"Yep.","start":849.02,"end":849.52,"sentiment":"neutral","sentiment_score":0.18557338416576383}],"sentiment":"neutral","sentiment_score":0.18557338416576383,"channel":1,"num_words":1,"start":849.02,"end":849.52},{"sentences":[{"text":"move some funds around, reduce some fees and insurances, and","start":849.06995,"end":852.43,"sentiment":"neutral","sentiment_score":0.18234729617834092}],"sentiment":"neutral","sentiment_score":0.18234729617834092,"channel":0,"num_words":10,"start":849.06995,"end":852.43},{"sentences":[{"text":"Yep.","start":852.235,"end":852.735,"sentiment":"neutral","sentiment_score":0.11145031452178956}],"sentiment":"neutral","sentiment_score":0.11145031452178956,"channel":1,"num_words":1,"start":852.235,"end":852.735},{"sentences":[{"text":"update the estate plan.","start":852.43,"end":854.52997,"sentiment":"neutral","sentiment_score":0.20787158980965614}],"sentiment":"neutral","sentiment_score":0.20787158980965614,"channel":0,"num_words":4,"start":852.43,"end":854.52997},{"sentences":[{"text":"Beautiful.","start":854.875,"end":855.375,"sentiment":"positive","sentiment_score":0.816707968711853},{"text":"Sounds good.","start":855.675,"end":856.495,"sentiment":"positive","sentiment_score":0.878000408411026}],"sentiment":"positive","sentiment_score":0.8575695951779684,"channel":1,"num_words":3,"start":854.875,"end":856.495},{"sentences":[{"text":"Amazing, Laura.","start":857.23,"end":857.94995,"sentiment":"positive","sentiment_score":0.8757951557636261},{"text":"I'll send that through soon, and you have a fantastic day.","start":857.94995,"end":861.17,"sentiment":"positive","sentiment_score":0.7926246848973361}],"sentiment":"positive","sentiment_score":0.8054201419536884,"channel":0,"num_words":13,"start":857.23,"end":861.17},{"sentences":[{"text":"Awesome.","start":861.515,"end":861.915,"sentiment":"positive","sentiment_score":0.8336540460586548},{"text":"Thank you so much for your call.","start":861.915,"end":863.535,"sentiment":"positive","sentiment_score":0.8728834986686707}],"sentiment":"positive","sentiment_score":0.8679798170924187,"channel":1,"num_words":8,"start":861.515,"end":863.535},{"sentences":[{"text":"Thank you.","start":864.3209,"end":865.04095,"sentiment":"positive","sentiment_score":0.7645546495914459},{"text":"Bye.","start":865.04095,"end":865.54095,"sentiment":"positive","sentiment_score":0.45722708106040955}],"sentiment":"positive","sentiment_score":0.6621121267477671,"channel":0,"num_words":3,"start":864.3209,"end":865.54095},{"sentences":[{"text":"Cheers.","start":865.33093,"end":865.7309,"sentiment":"positive","sentiment_score":0.5689884424209595},{"text":"Take care.","start":865.7309,"end":867.92596,"sentiment":"positive","sentiment_score":0.45547759532928467},{"text":"Bye.","start":867.92596,"end":868.17596,"sentiment":"neutral","sentiment_score":-0.07958009093999863}],"sentiment":"positive","sentiment_score":0.35009088553488255,"channel":1,"num_words":4,"start":865.33093,"end":868.17596}]},"summary":{"result":"success","short":"The senior adviser of Oakview, Tommy, updates Laurie on the progress of refinancing and their investment property. They discuss potential priorities for paying off mortgages and reducing their life insurance policy. The speakers emphasize the importance of maintaining their investment portfolio and reducing their life insurance policy. They also discuss updating their life insurance policy and updating their beneficiaries on their super accounts. The speakers emphasize the benefits of updating their policy and offer to answer any questions."},"intents":{"segments":[{"text":"Well, we went to watch Scotland play in the World Cup, and they got beat three nil, so it's not been the best day in the world. Look, it was a fun watch, I've got to admit. And I they did have a few good chances there, but We did. we do have three Scotsman in the office there, and they were not having the best time. I can imagine.","start_word":37,"end_word":106,"intents":[{"intent":"Clarify situation","confidence_score":0.00047301207}]},{"text":"So I'm wanting to update a couple of the investments inside the super just to do a bit of an engine, sure enough, realistically. Okay.","start_word":505,"end_word":529,"intents":[{"intent":"Update investments","confidence_score":0.47500238}]},{"text":"Now outside of that, you did have a discussion with one of my colleagues about potentially reducing the Suncorp life insurance to get the fees down a little bit.","start_word":656,"end_word":684,"intents":[{"intent":"Reduce insurance fees","confidence_score":0.20570856},{"intent":"Discuss raising suncorp life insurance","confidence_score":0.00030258633},{"intent":"Discuss reduction quote with suncorp life insurance","confidence_score":0.00013335772}]},{"text":"And from what I'm my understanding is the superannuation or the Sunsuper life insurance policy that we have with super is not as great as the sun as the Suncorp one that we have. So I don't know whether I need to increase the superannuation one before I get rid of this Suncorp one, if that makes sense. It does.","start_word":738,"end_word":797,"intents":[{"intent":"Discuss raising superannuation","confidence_score":0.0155856125}]},{"text":"even just having that sort of five years of income replacement for some Yep. grazing time until the kids are 18. Does that sort Yep.","start_word":841,"end_word":865,"intents":[{"intent":"Discuss income replacement","confidence_score":0.22571434}]},{"text":"So one of the things that you could do is because there's $2,000,000 in life insurance with Suncorp and another 430,000 with QSuper, we calculated that you only really needed around about 1.2, 1.4 all up, and Okay. you're kind of quite over insured just based on that calculation. Yeah.","start_word":874,"end_word":923,"intents":[{"intent":"Calculate max insurance cost","confidence_score":0.000060493836}]},{"text":"But I do wanna be guided by you in in that that's our calculation on what Yep. your needs are, but it is about how much you feel that you guys need as well. Yeah.","start_word":976,"end_word":1010,"intents":[{"intent":"Calculate needs","confidence_score":0.17064741}]},{"text":"I'm happy to contact them and we're just that if that's, yeah, if that's gonna benefit us in the long run to do that. Yeah.","start_word":1049,"end_word":1073,"intents":[{"intent":"Contact the company","confidence_score":0.0017408251}]},{"text":"So the only other thing to cover off on is just with the q super, that's grown quite a bit now with the contribution. So Yep.","start_word":1111,"end_word":1136,"intents":[{"intent":"Cover q super","confidence_score":0.55680066}]},{"text":"Now I guess the good thing too is Qsu has kept their fees pretty low. So to maintain the account, it's only, like, 70 something dollars flat fee a year, and Yep. everything else is kind of percentage based. So it's not really putting a huge anchor on the growth, if that makes sense. Yeah.","start_word":1213,"end_word":1267,"intents":[{"intent":"Maintain account","confidence_score":0.15858987}]},{"text":"am gonna pop that through to you. Do you mind if I just quickly update a couple of those details you mentioned at the start of the call? Yeah.","start_word":1432,"end_word":1460,"intents":[{"intent":"Update information","confidence_score":0.29040912}]},{"text":"not gonna call it an offset. We're just gonna put it in a redraw facility. So there'll be probably a 100,000 in the redraw. Perfect.","start_word":1598,"end_word":1622,"intents":[{"intent":"Clarify redraw process","confidence_score":0.0014896669}]},{"text":"And I think you had a a Tesla listed there as well with a bit of debt owing on that one.","start_word":1623,"end_word":1643,"intents":[{"intent":"Report debt settlement","confidence_score":0.00006635481},{"intent":"Discuss debt settlement","confidence_score":0.013289977}]},{"text":"And I'm I'll put the usual reminder in the advice document about wills and powers of attorney. Again, Yeah.","start_word":1755,"end_word":1773,"intents":[{"intent":"Discuss will and power of attorney","confidence_score":0.00014872785},{"intent":"Provide instructions","confidence_score":0.0019104558}]},{"text":"so the basic ones, they are, like, government approved. That's why Yeah.","start_word":1799,"end_word":1810,"intents":[{"intent":"Consider government approval","confidence_score":0.00006671738}]},{"text":"And we wanted to update beneficiaries on the super accounts and just make sure everything's going where it should be. Are you Yep.","start_word":1869,"end_word":1891,"intents":[{"intent":"Update beneficiaries","confidence_score":0.44675237}]},{"text":"So so I might get my admin, Michelle, just to send through some beneficiary forms.","start_word":1914,"end_word":1928,"intents":[{"intent":"Send beneficiary forms","confidence_score":0.45075378}]},{"text":"would you like them to be, like, continuous for non lacing, or do you want it to expire every three years? No. Just continue it.","start_word":1949,"end_word":1973,"intents":[{"intent":"Confirm valid document","confidence_score":1.482032e-7}]},{"text":"So what I'll do is I've also just included the updated service agreement as well because Yeah.","start_word":2089,"end_word":2105,"intents":[{"intent":"Include service agreement","confidence_score":0.13942596}]},{"text":"You're still on the discounted fee structure with Kev, the one point Yep. 1% instead of the one six five. Yep.","start_word":2132,"end_word":2152,"intents":[{"intent":"Provide discount fee structure","confidence_score":0.004527815}]},{"text":"So what I'll do is I'm just gonna quickly get the document amended with the updated details, and then I'll pretty much just email that through within the next half an hour or so. Yep.","start_word":2198,"end_word":2232,"intents":[{"intent":"Instruct document amendments","confidence_score":0.0002788715}]}]},"sentiments":{"segments":[{"text":"Good afternoon, Laurie. It's Tommy here, Hello? senior adviser of Oakview. How are you doing today?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.150172621011734},{"text":"Good. Thank you.","start_word":16,"end_word":18,"sentiment":"positive","sentiment_score":0.4676721692085266},{"text":"How are you?","start_word":19,"end_word":21,"sentiment":"neutral","sentiment_score":0.3146333694458008},{"text":"Living the dream so far.","start_word":22,"end_word":26,"sentiment":"positive","sentiment_score":0.4387255609035492},{"text":"The sun's finally come out today. What about your end? Well, we went to watch Scotland play in the World Cup, and they got beat three nil, so it's not been the best day in the world. Look, it was a fun watch, I've got to admit. And I they did have a few good chances there, but We did. we do have three Scotsman in the office there, and they were not having the best time. I can imagine. Yeah. I do appreciate you taking a bit of time with me today. I have a bit of an updated advice discussion to go through with you. Do you have a bit of time this I do, but there's not really a lot I've gotta discuss. I was trying to say that to your colleague afternoon? when she called the other day. I don't think there's a lot that we've got going on that we wanna change in the next kind of six months. Yep. Yep. We just refinanced, so we've just went with a different bank with our mortgage and Perfect. just kind of consolidated some debts and just kinda put some things together so that we are kinda more up to date with what we wanna pay out. So, yeah, we've already kinda sorted that this year. And other than that, we were looking at investment properties, but that's probably gonna be a next year thing. Yep. Yep. Just come That's back to probably that. Let all the legislation settle down a little bit. yeah. I think so. I think just kinda let everything get back to an even par and then look at it again then. Yep. Yep. But that's pretty much it. There's not a lot much more going on for us. Perfect. So it's more than our end of few things that we wanted to look at changing. And Yep. if everything else has been pretty stable, I'm notated to kind of let the file take over and and let Yep. things play out. Now I do have a bit of an updated advice document that I wanna send through to you if that's Yep. okay. Yeah. Of course. Cool. So what I'll do is just because it is obviously personal information, just wanna do the quick security check. And Of course. do you remember your client password? Yeah. It is. It's Scotland.","start_word":27,"end_word":424,"sentiment":"neutral","sentiment_score":0.03500797697600333},{"text":"Perfect. Perfect. That's a nice and easy one.","start_word":425,"end_word":432,"sentiment":"positive","sentiment_score":0.7728270292282104},{"text":"Yep. Now will you then look onto this email with me, or would you be okay to just review these documents Yeah.","start_word":433,"end_word":454,"sentiment":"neutral","sentiment_score":0.12167529761791228},{"text":"I'm happy to review it afterwards.","start_word":455,"end_word":460,"sentiment":"positive","sentiment_score":0.35977283120155334},{"text":"afterwards? Yep. Perfect. So what's kind of coming through to you is you had a bit of a discussion last year, and there's been quite a few changes in the industry as you've seen, not just but Yes. markets, global events, and so on. So I'm wanting to update a couple of the investments inside the super just to do a bit of an engine, sure enough, realistically. Okay. Now what that basically means is that most of the investments in five or two, but they're looking pretty good. There's one Yep. that's been a bit of a drag on there, which is a Ben along Australian shares option, which hasn't kind of bounced back the way we thought it would after the drop in March. It's kind of still been dragging its feet, if that makes sense. Yep. So I've kind of put together a few updates where I wanna just kind of replace that one like for like. It'll be a little bit less in fees, much better performance, but it's not gonna fundamentally change how we're investing. It's just, again, a bit of a tune up on the engine. Yeah. Of course. Now outside of that, you did have a discussion with one of my colleagues about potentially reducing the Suncorp life insurance to get the fees down a little bit. Does that ring a bell? I did. Yes. I was still paying that, so it was something I'm a little bit hesitant to stop paying because I know that if something happens to either myself or Kev, the Suncorp life insurance will cover either of us in terms of the mortgage and stuff.","start_word":461,"end_word":737,"sentiment":"neutral","sentiment_score":-0.03910914883152027},{"text":"And from what I'm my understanding is the superannuation or the Sunsuper life insurance policy that we have with super is not as great as the sun as the Suncorp one that we have.","start_word":738,"end_word":771,"sentiment":"negative","sentiment_score":-0.36848533153533936},{"text":"So I don't know whether I need to increase the superannuation one before I get rid of this Suncorp one, if that makes sense. It does. It does. And I think based on that conversation, there was a few priorities, and I really like how you how you worded it. And it's like a bit of a priority to pay off the mortgage, of course, but Oh, also yeah. even just having that sort of five years of income replacement for some Yep. grazing time until the kids are 18. Does that sort Yep. of ring a bell? Yeah. Yeah. Yeah. Yeah. So one of the things that you could do is because there's $2,000,000 in life insurance with Suncorp and another 430,000 with QSuper, we calculated that you only really needed around about 1.2, 1.4 all up, and Okay. you're kind of quite over insured just based on that calculation. Yeah. Of course. So one of the things that we did do a bit of a reduction quote with them just to get some updated figures, And you could drop it from, say, 2,000,000 to, say, 850,000, and that'd kind of half the premiums from Okay. about 1,200 to $6. 50, around about. But I do wanna be guided by you in in that that's our calculation on what Yep. your needs are, but it is about how much you feel that you guys need as well. Yeah. Of course. No. I'm happy to do that. Like, I wasn't even aware at one point that this evaluation offers a life insurance element. So we just thought we were insuring ourselves privately. But, Yeah.","start_word":772,"end_word":1044,"sentiment":"neutral","sentiment_score":0.0473018125886773},{"text":"yeah, that's fine. I'm happy to contact them and we're just that if that's, yeah, if that's gonna benefit us in the long run to do that.","start_word":1045,"end_word":1071,"sentiment":"positive","sentiment_score":0.6323217153549194},{"text":"Yeah.","start_word":1072,"end_word":1072,"sentiment":"neutral","sentiment_score":0.29097458720207214},{"text":"So what I'm including in these documents is I do have a reduction quote, and Perfect. we can kind of help action that a little bit as well just to speed up the process. Okay. Awesome. Cool.","start_word":1073,"end_word":1109,"sentiment":"positive","sentiment_score":0.4308376610279083},{"text":"So the only other thing to cover off on is just with the q super, that's grown quite a bit now with the contribution. So Yep. if you ring remember, we usually do a bit of a top up rollover across Yep. just to get the money into the main Yep. portfolio. I definitely don't wanna replace it right now because it is does have the the TPD cover as well, the disability Yeah. cover. Yep. And I don't wanna replace that with something that may give you, like, a back exclusion or something that you can't claim on. Yeah. Of course.","start_word":1110,"end_word":1211,"sentiment":"neutral","sentiment_score":0.02968074195086956},{"text":"Now I guess the good thing too is Qsu has kept their fees pretty low.","start_word":1212,"end_word":1226,"sentiment":"positive","sentiment_score":0.3763454854488373},{"text":"So to maintain the account, it's only, like, 70 something dollars flat fee a year, and Yep. everything else is kind of percentage based. So it's not really putting a huge anchor on the growth, if that makes sense. Yeah. Yeah. Yeah.","start_word":1227,"end_word":1268,"sentiment":"neutral","sentiment_score":0.23750655353069303},{"text":"I think Cool.","start_word":1269,"end_word":1271,"sentiment":"positive","sentiment_score":0.4979439377784729},{"text":"someone I think last year, they had advised me as well that in terms of life insurance, because I am a police officer, it's difficult. A lot of people will up their life insurance policies quite a bit because I am in a high risk job, whereas the QSuper Yes. kind of set standard is, yeah, for everyone. So we don't wanna let go of that anyway. Yeah. And even the Suncorp wasn't too expensive. Like, I've seen some policies floating $3.04, 5,000. But Yeah. if that was something where you do wanna save a bit, a bit of a trim down could be okay. Yep.","start_word":1272,"end_word":1377,"sentiment":"neutral","sentiment_score":-0.025594912469387054},{"text":"Yeah. Perfect.","start_word":1378,"end_word":1379,"sentiment":"positive","sentiment_score":0.4281980097293854},{"text":"K. So what I might do is I might send through these documents to your Gmail account. It's going to include statement of advice just showing the portfolio switch, the rollover, and the investment sorry, insurance reduction. Yep. And just make sure you're comfortable with all of that. So I Yep. am gonna pop that through to you. Do you mind if I just quickly update a couple of those details you mentioned at the start of the call? Yeah. Of course. No problem. So you're still at the same address in Mooresland, I believe. We are 26 Mil Luca Circuit. Yep. Perfect. And have they changed your income much from I think it was about 120,000. Yeah. That's good. No. It's probably around about the same. Maybe 125. Yep. And in terms of the home, you said you just done that refinance there. I think last check, we had about 1 and a half mil value, $7.30 owing, and a bid in the offset account as well. Yeah. So we're at probably about 1.8 mil value. We've got $808,104,000 owing. So that's what the new mortgage, remortgages. And there's probably we've refinanced. We've listed we paid off Kevin's car, so that was why we've done that. So what will be Yeah. in the offset? We're Yep. not gonna call it an offset. We're just gonna put it in a redraw facility. So there'll be probably a 100,000 in the redraw.","start_word":1380,"end_word":1620,"sentiment":"neutral","sentiment_score":0.062230206624106256},{"text":"Perfect.","start_word":1621,"end_word":1621,"sentiment":"positive","sentiment_score":0.5715246200561523},{"text":"And I think you had a a Tesla listed there as well with a bit of debt owing on that one. Yeah. That's still there. Yep.","start_word":1622,"end_word":1647,"sentiment":"neutral","sentiment_score":0.18519453704357147},{"text":"Cool.","start_word":1648,"end_word":1648,"sentiment":"positive","sentiment_score":0.3796614408493042},{"text":"So I think I'll put that around the 80 mark for that one.","start_word":1649,"end_word":1661,"sentiment":"neutral","sentiment_score":0.3104252517223358},{"text":"Perfect. Outside of that, I think everything's looking pretty good.","start_word":1662,"end_word":1671,"sentiment":"positive","sentiment_score":0.5774786472320557},{"text":"Didn't end up getting, like, a actually, were you pretty close to putting a will in place? We actually didn't. We we both of us need to do that. Like, that's something that we need to really do pretty urgently, but it hasn't been finalized yet. I think Kev went through the union, and we sent him some documents, and he filled something out, but he probably stopped halfway through. But we need to get that sorted, like, ASAP. Yeah. That's okay. And I'm I'll put the usual reminder in the advice document about wills and powers of attorney. Again, Yeah. through the unions is pretty cool. The the old post office will kit, though it's legal, they're pretty basic. Are And they alright, besides though? so the basic ones, they are, like, government approved. That's why Yeah. those posters are allowed to sell them. But outside of, like, you know, this is where the home and the cash goes, you're you're not gonna be setting up, like, a testament through trust for the kids or No. anything No. No. like No. that. No. It's pretty basic. It would be pretty basic. Yep.","start_word":1672,"end_word":1864,"sentiment":"neutral","sentiment_score":-0.046008944511413574},{"text":"Easy done.","start_word":1865,"end_word":1866,"sentiment":"positive","sentiment_score":0.3459042012691498},{"text":"And we wanted to update beneficiaries on the super accounts and just make sure everything's going where it should be. Are you Yep. just wanting to make sure that Kev gets pretty much all the super, all the life insurance, just all of it? Yeah. Yeah. So so I might get my admin, Michelle, just to send through some beneficiary forms.","start_word":1867,"end_word":1927,"sentiment":"neutral","sentiment_score":0.16696785390377045},{"text":"At least that's pretty easy.","start_word":1928,"end_word":1932,"sentiment":"positive","sentiment_score":0.34444257616996765},{"text":"It's just to get them witnessed Yep. Yep. by two adults who aren't. And Yep. would you like them to be, like, continuous for non lacing, or do you want it to expire every three years? No. Just continue it. If anything changes, I'll let you guys know. The only Yeah. thing Perfect. that she was holding off on was my driving license is due to be renewed in July. So she didn't Yep. wanna she didn't wanna prefill the forms and send them out because my driving license is then gonna need to be updated. And so she said wait till after that is till your driving license has been renewed, and I'll send the new forms. Yeah. That's easy. Done. And are you okay for them to be kind of emailed and printed, or would you like Yeah. them Yeah. to post it? No. That's fine. Email and printed is fine. Yep.","start_word":1933,"end_word":2086,"sentiment":"neutral","sentiment_score":0.058943670243024826},{"text":"Beautiful.","start_word":2087,"end_word":2087,"sentiment":"positive","sentiment_score":0.4680486917495727},{"text":"So what I'll do is I've also just included the updated service agreement as well because Yeah. I think yours clicked off two weeks ago, Okay. and we can't make any changes to the account unless we're listed as your reply. Okay.","start_word":2088,"end_word":2129,"sentiment":"neutral","sentiment_score":0.035625163465738297},{"text":"Perfect.","start_word":2130,"end_word":2130,"sentiment":"positive","sentiment_score":0.33562585711479187},{"text":"You're still on the discounted fee structure with Kev, the one point Yep. 1% instead of the one six five. Yep. We do have a tiered structure coming through next year. So that will basically mean that the higher the balance, the lower the percentage goes. So Yeah. it'll start actually ticking down at the next review below the 1.1 as well. Yeah. Oh, yeah.","start_word":2131,"end_word":2195,"sentiment":"neutral","sentiment_score":0.18208268284797668},{"text":"Perfect.","start_word":2196,"end_word":2196,"sentiment":"positive","sentiment_score":0.6250511407852173},{"text":"So what I'll do is I'm just gonna quickly get the document amended with the updated details, and then I'll pretty much just email that through within the next half an hour or so. Yep.","start_word":2197,"end_word":2231,"sentiment":"neutral","sentiment_score":0.16360215842723846},{"text":"Awesome.","start_word":2232,"end_word":2232,"sentiment":"positive","sentiment_score":0.5562133193016052},{"text":"And I was just like is it just like a doc you're saying just to send back?","start_word":2233,"end_word":2249,"sentiment":"neutral","sentiment_score":0.20051133632659912},{"text":"Amazing. Pretty much.","start_word":2250,"end_word":2252,"sentiment":"positive","sentiment_score":0.4902859628200531},{"text":"And it's through our, like, custom built system called Odoo. Just exactly Yep. the Yep. same as DocuSign, but purple. It'll click you through to stamp signatures and, like, dates and everything if you just click the button. Yep. There is a lot of extra documents that are, like, a thousand pages of product documents from Suncorp Yeah. and Hub twenty four. You can just click next document. You don't have to scroll through all 900 pages. Yep. Yeah. The Yeah. only I one was that just I would doing kind now. of caution on is for the Suncorp production quote, you're probably better off just clicking on the signature and drawing it so it matches your ID. Yeah. Okay. I'm assuming your signature won't change for the next ID that comes through. Well, no. That's that I think that was one of the issues with the beneficiary form last year because my work signature is just squiggle, and my driving license signature is an actual proper signature. And I think I had to squiggle instead of written my signature, so I'll make sure it's a driving license signature. Gotcha. Perfect. Perfect.","start_word":2253,"end_word":2444,"sentiment":"neutral","sentiment_score":0.004452894441783428},{"text":"Perfect.","start_word":2445,"end_word":2445,"sentiment":"positive","sentiment_score":0.43053972721099854},{"text":"Alright. So I'll get that through in the next half an hour or so. Do you have any questions for me? No. Nothing.","start_word":2446,"end_word":2468,"sentiment":"neutral","sentiment_score":0.1711808741092682},{"text":"That sounds awesome. Thank you so much.","start_word":2469,"end_word":2475,"sentiment":"positive","sentiment_score":0.5157952904701233},{"text":"So if you go through that advice document and you do have any questions, please just give us a call.","start_word":2476,"end_word":2495,"sentiment":"neutral","sentiment_score":0.17983315885066986},{"text":"I'm happy to jump on and sort of explain the pros and cons to you.","start_word":2496,"end_word":2510,"sentiment":"positive","sentiment_score":0.34895098209381104},{"text":"Yep. But, again, pretty straightforward. Update the portfolio, get the performance back on track, Yep. move some funds around, reduce some fees and insurances, and Yep. update the estate plan.","start_word":2511,"end_word":2540,"sentiment":"neutral","sentiment_score":0.199862410624822},{"text":"Beautiful. Sounds good. Amazing, Laura. I'll send that through soon, and you have a fantastic day. Awesome. Thank you so much for your call. Thank you. Bye. Cheers. Take care.","start_word":2541,"end_word":2570,"sentiment":"positive","sentiment_score":0.7614923715591431},{"text":"Bye.","start_word":2571,"end_word":2571,"sentiment":"neutral","sentiment_score":0.23298613727092743}],"average":{"sentiment":"neutral","sentiment_score":0.07575662611328667}}}}