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Hope it's okay if you do hear me pause or start to get a bit croaky or tuck some water down my throat. All good. Yeah. Absolutely. It's incredible. It's also to hit us a lot earlier this year than, you know, we would have expected. So yeah. Crazy. No. That's exactly right. Carrie, I had you booked in to have a bit of a chat about the TTR. I believe you had some questions for me. Before we jump into the call, I just wanna let you know we do record our calls for quality and training purposes. Are you okay with me to proceed with that? Yep. Fantastic. And just to do security there, I am discussing your personal information. I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep. Beautiful. Thank you. Yes, please. Yeah. Beautiful. Thank you so much for that. The note I have here mentions you wanted to talk about your TTR as for an email. But then I when I spoke to Colin the other day, he mentioned there was some something with your payslips. I'm not a 100% sure, so feel free to give me you know, what can I help you with, essentially? Sorry. Yeah. Yep. Yeah. Okay. Okay. Okay. No. That's alright. It was sort of worked out on a yearly figure and was evened out that way. I could look to maybe just increase that pension payment a little bit for you if you'd like me to by that $17. Or do you because we had to even it out over the the course of the year because you get paid two different amounts each week, so we kind of couldn't work it out to to match up each individual week. So we had to work it out over a fortnight and then even it out across the year to make it even that way. But did you yeah. Yeah. So you've only had technically one payment. How does it look over the fortnight at the moment? Okay. Yep. Perfect. Yeah. That's okay. That's alright. Yep. Yep. Okay. No. That's alright. So have you had a Yeah. Yeah. Of course. Absolutely. So have you had a full fortnight with two incomes from work, or has there only been one income from work and one for the pension payment thus far? Yep. Mhmm. Okay. Yep. Yep. Yep. No. That's okay. Did you want me to look at maybe trying to increase that by that $17 to see if we can get this a little bit more drawn down for you, or did you wanna see how it works over the first couple of month month or two to see whether it's gonna work out correctly for you or whether you're missing that? What are you sort of thinking? Yep. Yep. Yep. I don't know. Yeah. Yeah. No. That's okay. Yep. Yes. No. That's okay. And it's $17.17 dollars per fortnight. Is that what you're after? Yep. Yep. That's okay. Mhmm. Yes. Yeah. Okay. No. That's alright. What I'll do is I just need to go back and have a quick look to see how we best do that for you, whether we maybe do it as a transaction without advice and just make that increase there, or we go back and just see if we can adjust the advice piece a little bit. I'm just having a quick look here to see what the pension maximum is versus what we're taking it to see what kind of space we have additional to draw that out from. So let's go Five. Okay. So we're doing $4.07 $5.22 per fortnight there, and that comes up by '26. So we're drawing out $12.03 $5.05 and 72, and the maximum annual pension based on this is 27,000. So then if you want for the $17, that's just an extra 442 for the year. That's okay. Can I just put you on a really quick hold for one second? I'll just gonna check something. It won't be a moment. Perfect. Won't be a second. Hi, Carrie. Thank you so much for holding. I'm so sorry about the delay. All good. I was just having a really good look at everything for you. So what we'll do, you do have plenty of space there because the annual maximum pension, as I said, is 27,087 and 49 for the year. That's the 10% per the rollover amount, which is cool. We're only drawing down about 12,000 at the moment. So you just wanna increase that by about $17 per fortnight. Yep. Per perfect. So we can essentially amend this online to make it nice and easier so your next pension payment is due. Sorry. This is a little bit slow this afternoon. I love technology when it wants to work. Our next pension payment is the sixth of the fourth day, so we should be right to have that amended for the next pension payment down for you. We just need to do it as a transaction without advice so that it's done nice and easy. Are you comfortable with that, not sort of receiving a whole new advice piece? You're just comfortable with the direction of amending that? Yep. Beautiful. It just means it'll be an extra $4.42 for the year, which is absolutely fine. And then, again, we'll just keep reviewing things moving forward. So yeah. All good. We'll just send out a document for you to sign. I'll get that ready this afternoon for you. Once you've signed and returned that back, we'll just have that pension payment amended for your next one for you. Is that okay? Yep. Perfect. Nice easy fix. I love that. That's fantastic. Yeah. Yeah. Oh, no. Oh, that's yeah. Yeah. Yeah. No. Absolutely. It's not a problem at all. I'll get that transaction with that advice done up. I'll send it through to you very shortly so you can sign and return it back, and then we'll be able to go in and amend that pension payment amount for you. Okay? Easy. Not a not a problem at all. I will just double check with Hub to make sure that there's no that there's no need for a form or if there is any particular form we need to have completed, I'll make sure we get that sorted for you. Okay? Beautiful. Do you have any other questions or anything else you might need for me at the moment? Or Yep. Beautiful. Yeah. Absolutely. No. Completely understandable. It's all good. Very easy to sort out. Not a problem at all. I'll get that done for you. I do believe Colin asked me to give him a call when he's available. Is he available this afternoon anytime? Do you know? If he's available, yeah. Sure. You're right. Yep. No. That's okay. I'm also just having a look at the forms here, Carrie. Did you want me to amend the bank account that that's being paid to? I can do up a new bank account nomination form whilst I'm doing this for you if you like. Yeah. That's absolutely fine. What I can do, I can, grab the bank account information off you if you've got it there on you at all. Are you okay giving that to me now, or did you wanna email it through? What's your preferred? Yeah. Beautiful. That's okay. I'm just gonna turn the recording off for you just because we don't wanna record any bank account information. I'm just gonna turn it off now, and you'll just hear a little you should just hear a little beep. Okay? Did anything sorta come up at all? Yeah. Yes, please. Yep. Yep. Mhmm. Beautiful. All good. So I'll just read it back to you just to confirm. It's VSP 484799. Account number, 604792181. Beautiful. Yep. Perfect. So same as the last one. And Colin Andrews. Beautiful. Not a problem. I'll get the new bank account nomination form done up so we can have that altered for you as well. We may as well do that before the next pension payment's due to make it nice and easy for you. Okay? Fantastic. That's okay. It's not a problem at all. I'm just sending the recording back on as well. Yep. Oh, thanks so much. Thanks, Carrie. Talk to you soon. Hey, Cole. How are you? You sound so different. Cole, because I am now discussing your personal information, I just need to acknowledge the security with yourself there. If you can confirm your full name, date of birth, and address for me. Yep. Beautiful. And this call will be recorded moving forward. You're comfortable with that? Beautiful. All good. I got your email here. So you've had a really good look at the quotes and had a good chat to Carrie about, you know, what you're comfortable with if if in the event you were to pass away or become totally permanently disabled. And it mentions that you're kind of happy to cancel that. Is that right? You're happy to go ahead and cancel the life and TPD? You're not sort of wanting to keep those moving forward? Oh, did you I'm so sorry. I'm mostly looking at the wrong one. Oh, I am. I'm yeah. That's okay. Yeah. No. All good. Sorry. I'm looking at the last email. I do apologize about that. No. It's all good, sir. All good. So we'll go with the 300,000 coverage. So reducing the canceling the TBD and reducing loss to 300,000, is that the right way? Yep. Perfect. That makes it so much cheaper, and then you still get that benefit if anything was to happen there. So yeah. Yeah. Yeah. Absolutely. Absolutely. No. Not a problem at all. Perfect. Well, we will go forward the research and get that completed for you. I am away over the Easter break, so it'll probably be when I come back that we get that presented. Is that okay? Yeah. No. It's okay. I'll be away from the end of next week for until the thirteenth. It'll be a little bit after that that we have the advice ready to go. Is that okay? Yeah? Beautiful. Not a problem at all. We'll get cracking on the research for you. And when I come back, we'll have it ready to go to make it nice and easy. Okay? Oh, that's okay. Not a problem at all. How's your week been? Yes. Perfect. All good. All good. All good to hear. Is there any other questions or any concerns or anything that yourself or Carrie had that you wanted to chat about or you're all good? Does that yes. Yeah. Yep. Absolutely. Yep. No. That's okay. Not a problem at all. Beautiful. I'll get cracking on that foi. If there's anything else you need, please don't ever hesitate. Let me know, and I'll definitely jump in, try to get it sorted for as quickly as I can. Easy. No worries, though. You have a lovely afternoon. Thank you so much. I hope you guys have a great Easter. Will do. Thanks so much. You too. Oh, so much. I even sound a lot better today, but, yeah, hopefully, we don't get anything else. Yeah. Yeah. Absolutely. Absolutely. No. Oh, good. Thanks so much, Cole. Have a great weekend. I'll talk to you soon. See you later. 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It's Dana from Oakey Financial. How are you this afternoon? I was, unfortunately, today happily have more of a voice than I did the other day, but I do have water with me. Hope it's okay if you do hear me pause or start to get a bit croaky or tuck some water down my throat.\n\nAll good. Yeah. Absolutely. It's incredible. It's also to hit us a lot earlier this year than, you know, we would have expected.\n\nSo yeah. Crazy. No. That's exactly right. Carrie, I had you booked in to have a bit of a chat about the TTR.\n\nI believe you had some questions for me. Before we jump into the call, I just wanna let you know we do record our calls for quality and training purposes. Are you okay with me to proceed with that? Yep. Fantastic.\n\nAnd just to do security there, I am discussing your personal information. I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep. Beautiful. Thank you.\n\nYes, please. Yeah. Beautiful. Thank you so much for that. The note I have here mentions you wanted to talk about your TTR as for an email.\n\nBut then I when I spoke to Colin the other day, he mentioned there was some something with your payslips. I'm not a 100% sure, so feel free to give me you know, what can I help you with, essentially? Sorry. Yeah. Yep.\n\nYeah. Okay. Okay. Okay. No.\n\nThat's alright. It was sort of worked out on a yearly figure and was evened out that way. I could look to maybe just increase that pension payment a little bit for you if you'd like me to by that $17. Or do you because we had to even it out over the the course of the year because you get paid two different amounts each week, so we kind of couldn't work it out to to match up each individual week. So we had to work it out over a fortnight and then even it out across the year to make it even that way.\n\nBut did you yeah. Yeah. So you've only had technically one payment. How does it look over the fortnight at the moment? Okay.\n\nYep. Perfect. Yeah. That's okay. That's alright.\n\nYep. Yep. Okay. No. That's alright.\n\nSo have you had a Yeah. Yeah. Of course. Absolutely. So have you had a full fortnight with two incomes from work, or has there only been one income from work and one for the pension payment thus far?\n\nYep. Mhmm. Okay. Yep. Yep.\n\nYep. No. That's okay. Did you want me to look at maybe trying to increase that by that $17 to see if we can get this a little bit more drawn down for you, or did you wanna see how it works over the first couple of month month or two to see whether it's gonna work out correctly for you or whether you're missing that? What are you sort of thinking?\n\nYep. Yep. Yep. I don't know. Yeah.\n\nYeah. No. That's okay. Yep. Yes.\n\nNo. That's okay. And it's $17.17 dollars per fortnight. Is that what you're after? Yep.\n\nYep. That's okay. Mhmm. Yes. Yeah.\n\nOkay. No. That's alright. What I'll do is I just need to go back and have a quick look to see how we best do that for you, whether we maybe do it as a transaction without advice and just make that increase there, or we go back and just see if we can adjust the advice piece a little bit. I'm just having a quick look here to see what the pension maximum is versus what we're taking it to see what kind of space we have additional to draw that out from.\n\nSo let's go Five. Okay. So we're doing $4.07 $5.22 per fortnight there, and that comes up by '26. So we're drawing out $12.03 $5.05 and 72, and the maximum annual pension based on this is 27,000. So then if you want for the $17, that's just an extra 442 for the year.\n\nThat's okay. Can I just put you on a really quick hold for one second? I'll just gonna check something. It won't be a moment. Perfect.\n\nWon't be a second. Hi, Carrie. Thank you so much for holding. I'm so sorry about the delay. All good.\n\nI was just having a really good look at everything for you. So what we'll do, you do have plenty of space there because the annual maximum pension, as I said, is 27,087 and 49 for the year. That's the 10% per the rollover amount, which is cool. We're only drawing down about 12,000 at the moment. So you just wanna increase that by about $17 per fortnight.\n\nYep. Per perfect. So we can essentially amend this online to make it nice and easier so your next pension payment is due. Sorry. This is a little bit slow this afternoon.\n\nI love technology when it wants to work. Our next pension payment is the sixth of the fourth day, so we should be right to have that amended for the next pension payment down for you. We just need to do it as a transaction without advice so that it's done nice and easy. Are you comfortable with that, not sort of receiving a whole new advice piece? You're just comfortable with the direction of amending that?\n\nYep. Beautiful. It just means it'll be an extra $4.42 for the year, which is absolutely fine. And then, again, we'll just keep reviewing things moving forward. So yeah.\n\nAll good. We'll just send out a document for you to sign. I'll get that ready this afternoon for you. Once you've signed and returned that back, we'll just have that pension payment amended for your next one for you. Is that okay?\n\nYep. Perfect. Nice easy fix. I love that. That's fantastic.\n\nYeah. Yeah. Oh, no. Oh, that's yeah. Yeah.\n\nYeah. No. Absolutely. It's not a problem at all. I'll get that transaction with that advice done up.\n\nI'll send it through to you very shortly so you can sign and return it back, and then we'll be able to go in and amend that pension payment amount for you. Okay? Easy. Not a not a problem at all. I will just double check with Hub to make sure that there's no that there's no need for a form or if there is any particular form we need to have completed, I'll make sure we get that sorted for you.\n\nOkay? Beautiful. Do you have any other questions or anything else you might need for me at the moment? Or Yep. Beautiful.\n\nYeah. Absolutely. No. Completely understandable. It's all good.\n\nVery easy to sort out. Not a problem at all. I'll get that done for you. I do believe Colin asked me to give him a call when he's available. Is he available this afternoon anytime?\n\nDo you know? If he's available, yeah. Sure. You're right. Yep.\n\nNo. That's okay. I'm also just having a look at the forms here, Carrie. Did you want me to amend the bank account that that's being paid to? I can do up a new bank account nomination form whilst I'm doing this for you if you like.\n\nYeah. That's absolutely fine. What I can do, I can, grab the bank account information off you if you've got it there on you at all. Are you okay giving that to me now, or did you wanna email it through? What's your preferred?\n\nYeah. Beautiful. That's okay. I'm just gonna turn the recording off for you just because we don't wanna record any bank account information. I'm just gonna turn it off now, and you'll just hear a little you should just hear a little beep.\n\nOkay? Did anything sorta come up at all? Yeah. Yes, please. Yep.\n\nYep. Mhmm. Beautiful. All good. So I'll just read it back to you just to confirm.\n\nIt's VSP 484799. Account number, 604792181. Beautiful. Yep. Perfect.\n\nSo same as the last one. And Colin Andrews. Beautiful. Not a problem. I'll get the new bank account nomination form done up so we can have that altered for you as well.\n\nWe may as well do that before the next pension payment's due to make it nice and easy for you. Okay? Fantastic. That's okay. It's not a problem at all.\n\nI'm just sending the recording back on as well. Yep. Oh, thanks so much. Thanks, Carrie. Talk to you soon.\n\nHey, Cole. How are you? You sound so different. Cole, because I am now discussing your personal information, I just need to acknowledge the security with yourself there. If you can confirm your full name, date of birth, and address for me.\n\nYep. Beautiful. And this call will be recorded moving forward. You're comfortable with that? Beautiful.\n\nAll good. I got your email here. So you've had a really good look at the quotes and had a good chat to Carrie about, you know, what you're comfortable with if if in the event you were to pass away or become totally permanently disabled. And it mentions that you're kind of happy to cancel that. Is that right?\n\nYou're happy to go ahead and cancel the life and TPD? You're not sort of wanting to keep those moving forward? Oh, did you I'm so sorry. I'm mostly looking at the wrong one. Oh, I am.\n\nI'm yeah. That's okay. Yeah. No. All good.\n\nSorry. I'm looking at the last email. I do apologize about that. No. It's all good, sir.\n\nAll good. So we'll go with the 300,000 coverage. So reducing the canceling the TBD and reducing loss to 300,000, is that the right way? Yep. Perfect.\n\nThat makes it so much cheaper, and then you still get that benefit if anything was to happen there. So yeah. Yeah. Yeah. Absolutely.\n\nAbsolutely. No. Not a problem at all. Perfect. Well, we will go forward the research and get that completed for you.\n\nI am away over the Easter break, so it'll probably be when I come back that we get that presented. Is that okay? Yeah. No. It's okay.\n\nI'll be away from the end of next week for until the thirteenth. It'll be a little bit after that that we have the advice ready to go. Is that okay? Yeah? Beautiful.\n\nNot a problem at all. We'll get cracking on the research for you. And when I come back, we'll have it ready to go to make it nice and easy. Okay? Oh, that's okay.\n\nNot a problem at all. How's your week been? Yes. Perfect. All good.\n\nAll good. All good to hear. Is there any other questions or any concerns or anything that yourself or Carrie had that you wanted to chat about or you're all good? Does that yes. Yeah.\n\nYep. Absolutely. Yep. No. That's okay.\n\nNot a problem at all. Beautiful. I'll get cracking on that foi. If there's anything else you need, please don't ever hesitate. Let me know, and I'll definitely jump in, try to get it sorted for as quickly as I can.\n\nEasy. No worries, though. You have a lovely afternoon. Thank you so much. I hope you guys have a great Easter.\n\nWill do. Thanks so much. You too. Oh, so much. I even sound a lot better today, but, yeah, hopefully, we don't get anything else.\n\nYeah. Yeah. Absolutely. Absolutely. No.\n\nOh, good. Thanks so much, Cole. Have a great weekend. I'll talk to you soon. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Carrie.","start":3.36,"end":4.0,"sentiment":"neutral","sentiment_score":0.1256474182009697},{"text":"It's Dana from Oakey Financial.","start":4.0,"end":5.52,"sentiment":"neutral","sentiment_score":0.1735470026731491},{"text":"How are you this afternoon?","start":5.52,"end":6.74,"sentiment":"neutral","sentiment_score":0.23954480588436128},{"text":"I was, unfortunately, today happily have more of a voice than I did the other day, but I do have water with me.","start":9.679999,"end":15.28,"sentiment":"neutral","sentiment_score":-0.0864517865297587},{"text":"Hope it's okay if you do hear me pause or start to get a bit croaky or tuck some water down my throat.","start":15.28,"end":21.265,"sentiment":"neutral","sentiment_score":-0.1496075152055077}],"sentiment":"neutral","sentiment_score":-0.05366569070209717,"num_words":58,"start":3.36,"end":21.265},{"sentences":[{"text":"All 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thinking?","start":262.08,"end":263.38,"sentiment":"neutral","sentiment_score":-0.017119532451033592}],"sentiment":"neutral","sentiment_score":0.13621172148527372,"num_words":72,"start":244.415,"end":263.38},{"sentences":[{"text":"Yep.","start":267.2,"end":267.7,"sentiment":"neutral","sentiment_score":0.013319341465830805},{"text":"Yep.","start":276.975,"end":277.475,"sentiment":"neutral","sentiment_score":0.04186370596289635},{"text":"Yep.","start":277.695,"end":278.195,"sentiment":"neutral","sentiment_score":-0.0063776252791285515},{"text":"I don't 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okay.","start":286.83,"end":287.73,"sentiment":"neutral","sentiment_score":-0.007130197249352932},{"text":"Yep.","start":293.565,"end":293.885,"sentiment":"neutral","sentiment_score":0.02066710591316223},{"text":"Yes.","start":293.885,"end":294.20502,"sentiment":"neutral","sentiment_score":0.021628716960549355}],"sentiment":"neutral","sentiment_score":-0.008713931776583195,"num_words":6,"start":285.94998,"end":294.20502},{"sentences":[{"text":"No.","start":294.20502,"end":294.445,"sentiment":"neutral","sentiment_score":-0.040647998452186584},{"text":"That's okay.","start":294.445,"end":294.92502,"sentiment":"neutral","sentiment_score":0.05376335512846708},{"text":"And it's $17.17 dollars per fortnight.","start":294.92502,"end":298.36502,"sentiment":"neutral","sentiment_score":0.029456698801368475},{"text":"Is that what you're after?","start":298.36502,"end":299.505,"sentiment":"neutral","sentiment_score":0.05672706887125969},{"text":"Yep.","start":300.845,"end":301.345,"sentiment":"neutral","sentiment_score":0.15284094214439392}],"sentiment":"neutral","sentiment_score":0.04533967940757672,"num_words":15,"start":294.20502,"end":301.345},{"sentences":[{"text":"Yep.","start":301.405,"end":301.64502,"sentiment":"neutral","sentiment_score":0.12318170070648192},{"text":"That's okay.","start":301.64502,"end":302.385,"sentiment":"neutral","sentiment_score":0.17063459008932114},{"text":"Mhmm.","start":307.41998,"end":307.82,"sentiment":"neutral","sentiment_score":0.017146721482276917},{"text":"Yes.","start":307.82,"end":308.32,"sentiment":"neutral","sentiment_score":0.0714404508471489},{"text":"Yeah.","start":309.34,"end":309.84,"sentiment":"neutral","sentiment_score":0.04903198778629303}],"sentiment":"neutral","sentiment_score":0.10034500683347385,"num_words":6,"start":301.405,"end":309.84},{"sentences":[{"text":"Okay.","start":313.5,"end":314.0,"sentiment":"neutral","sentiment_score":0.028196025639772415},{"text":"No.","start":314.06,"end":314.3,"sentiment":"neutral","sentiment_score":-0.18955592811107635},{"text":"That's alright.","start":314.3,"end":315.12,"sentiment":"neutral","sentiment_score":-0.05129666067659855},{"text":"What I'll do is I just need to go back and have a quick look to see how we best do that for you, whether we maybe do it as a transaction without advice and just make that increase there, or we go back and just see if we can adjust the advice piece a little bit.","start":315.34,"end":328.945,"sentiment":"neutral","sentiment_score":0.05409119529813005},{"text":"I'm just having a quick look here to see what the pension maximum is versus what we're taking it to see what kind of space we have additional to draw that out from.","start":328.945,"end":342.43,"sentiment":"neutral","sentiment_score":0.01723906064801144}],"sentiment":"neutral","sentiment_score":0.03604397776120521,"num_words":94,"start":313.5,"end":342.43},{"sentences":[{"text":"So let's go Five.","start":342.65,"end":351.925,"sentiment":"neutral","sentiment_score":0.018772198352962732},{"text":"Okay.","start":352.305,"end":352.805,"sentiment":"neutral","sentiment_score":0.03492239862680435},{"text":"So we're doing $4.07 $5.22 per fortnight there, and that comes up by '26.","start":352.865,"end":362.13,"sentiment":"neutral","sentiment_score":0.03201231014515672},{"text":"So we're drawing out $12.03 $5.05 and 72, and the maximum annual pension based on this is 27,000.","start":362.83,"end":373.33,"sentiment":"neutral","sentiment_score":0.03953466554068857},{"text":"So then if you want for the $17, that's just an extra 442 for the year.","start":373.365,"end":378.085,"sentiment":"neutral","sentiment_score":0.05988039169460535}],"sentiment":"neutral","sentiment_score":0.04203573171541376,"num_words":53,"start":342.65,"end":378.085},{"sentences":[{"text":"That's okay.","start":378.085,"end":378.82498,"sentiment":"neutral","sentiment_score":0.14471057057380676},{"text":"Can I just put you on a really quick hold for one second?","start":378.88498,"end":381.04498,"sentiment":"neutral","sentiment_score":0.04628658022444982},{"text":"I'll just gonna check something.","start":381.04498,"end":382.16498,"sentiment":"neutral","sentiment_score":0.02066778615117073},{"text":"It won't be a moment.","start":382.16498,"end":382.965,"sentiment":"neutral","sentiment_score":0.011231079138815403},{"text":"Perfect.","start":382.965,"end":383.365,"sentiment":"positive","sentiment_score":0.4669678807258606}],"sentiment":"neutral","sentiment_score":0.05836957274004817,"num_words":26,"start":378.085,"end":383.365},{"sentences":[{"text":"Won't be a second.","start":383.365,"end":384.425,"sentiment":"positive","sentiment_score":0.39668305963277817},{"text":"Hi, Carrie.","start":579.685,"end":580.325,"sentiment":"neutral","sentiment_score":0.22759168595075607},{"text":"Thank you so much for holding.","start":580.325,"end":581.445,"sentiment":"positive","sentiment_score":0.5762746731440226},{"text":"I'm so sorry about the delay.","start":581.445,"end":582.905,"sentiment":"neutral","sentiment_score":0.004165330280860265},{"text":"All good.","start":584.405,"end":584.805,"sentiment":"positive","sentiment_score":0.504680335521698}],"sentiment":"neutral","sentiment_score":0.3266958151012659,"num_words":20,"start":383.365,"end":584.805},{"sentences":[{"text":"I was just having a really good look at everything for you.","start":584.805,"end":587.13,"sentiment":"positive","sentiment_score":0.49574428300062817},{"text":"So what we'll do, you do have plenty of space there because the annual maximum pension, as I said, is 27,087 and 49 for the year.","start":588.01,"end":595.87,"sentiment":"neutral","sentiment_score":0.23669642955064774},{"text":"That's the 10% per the rollover amount, which is cool.","start":596.25,"end":600.165,"sentiment":"neutral","sentiment_score":0.33131118714809416},{"text":"We're only drawing down about 12,000 at the moment.","start":600.485,"end":602.725,"sentiment":"neutral","sentiment_score":0.07700996742480332},{"text":"So you just wanna increase that by about $17 per fortnight.","start":602.725,"end":606.105,"sentiment":"neutral","sentiment_score":0.09181742708791386}],"sentiment":"neutral","sentiment_score":0.2517534094205236,"num_words":68,"start":584.805,"end":606.105},{"sentences":[{"text":"Yep.","start":607.845,"end":608.345,"sentiment":"neutral","sentiment_score":0.2207242250442505},{"text":"Per perfect.","start":608.40497,"end":609.52496,"sentiment":"positive","sentiment_score":0.5878337323665619},{"text":"So we can essentially amend this online to make it nice and easier so your next pension payment is due.","start":609.52496,"end":615.55,"sentiment":"positive","sentiment_score":0.35989432632923124},{"text":"Sorry.","start":615.85,"end":616.17,"sentiment":"neutral","sentiment_score":-0.12802037596702576},{"text":"This is a little bit slow this afternoon.","start":616.17,"end":617.76996,"sentiment":"neutral","sentiment_score":-0.32596929371356964}],"sentiment":"neutral","sentiment_score":0.18307823408395052,"num_words":32,"start":607.845,"end":617.76996},{"sentences":[{"text":"I love technology when it wants to work.","start":617.76996,"end":619.87,"sentiment":"neutral","sentiment_score":0.07101845555007458},{"text":"Our next pension payment is the sixth of the fourth day, so we should be right to have that amended for the next pension payment down for you.","start":620.32996,"end":627.23,"sentiment":"neutral","sentiment_score":0.1162853722593614},{"text":"We just need to do it as a transaction without advice so that it's done nice and easy.","start":627.635,"end":631.635,"sentiment":"neutral","sentiment_score":0.07558557349774572},{"text":"Are you comfortable with that, not sort of receiving a whole new advice piece?","start":631.635,"end":635.235,"sentiment":"neutral","sentiment_score":-0.053530256263911724},{"text":"You're just comfortable with the direction of amending that?","start":635.235,"end":638.775,"sentiment":"neutral","sentiment_score":0.05925055510467953}],"sentiment":"neutral","sentiment_score":0.06452610128401935,"num_words":77,"start":617.76996,"end":638.775},{"sentences":[{"text":"Yep.","start":638.915,"end":639.235,"sentiment":"neutral","sentiment_score":0.10227634757757188},{"text":"Beautiful.","start":639.235,"end":639.735,"sentiment":"positive","sentiment_score":0.6867948770523071},{"text":"It just means it'll be an extra $4.42 for the year, which is absolutely fine.","start":640.13,"end":644.14996,"sentiment":"positive","sentiment_score":0.5170105775197347},{"text":"And then, again, we'll just keep reviewing things moving forward.","start":644.52997,"end":647.17,"sentiment":"positive","sentiment_score":0.3483913868665695},{"text":"So yeah.","start":647.17,"end":647.97,"sentiment":"positive","sentiment_score":0.3433504104614258}],"sentiment":"positive","sentiment_score":0.43844291644877403,"num_words":29,"start":638.915,"end":647.97},{"sentences":[{"text":"All good.","start":647.97,"end":648.70996,"sentiment":"positive","sentiment_score":0.4993060231208801},{"text":"We'll just send out a document for you to sign.","start":649.08997,"end":651.49,"sentiment":"neutral","sentiment_score":0.11152114495635032},{"text":"I'll get that ready this afternoon for you.","start":651.49,"end":653.91,"sentiment":"neutral","sentiment_score":0.1722029522061348},{"text":"Once you've signed and returned that back, we'll just have that pension payment amended for your next one for you.","start":654.41504,"end":659.53503,"sentiment":"neutral","sentiment_score":0.13083240129053592},{"text":"Is that okay?","start":659.53503,"end":660.435,"sentiment":"neutral","sentiment_score":0.07147003958622615}],"sentiment":"neutral","sentiment_score":0.14703500600055205,"num_words":43,"start":647.97,"end":660.435},{"sentences":[{"text":"Yep.","start":662.255,"end":662.735,"sentiment":"neutral","sentiment_score":0.11288203299045564},{"text":"Perfect.","start":662.735,"end":663.235,"sentiment":"positive","sentiment_score":0.34223276376724243},{"text":"Nice easy fix.","start":663.53503,"end":664.655,"sentiment":"positive","sentiment_score":0.6570934851964315},{"text":"I love that.","start":664.655,"end":665.29504,"sentiment":"positive","sentiment_score":0.7338627974192301},{"text":"That's fantastic.","start":665.29504,"end":666.115,"sentiment":"positive","sentiment_score":0.7473344206809998}],"sentiment":"positive","sentiment_score":0.6122652485966682,"num_words":10,"start":662.255,"end":666.115},{"sentences":[{"text":"Yeah.","start":670.45996,"end":670.95996,"sentiment":"neutral","sentiment_score":0.03887274116277695},{"text":"Yeah.","start":674.77997,"end":675.27997,"sentiment":"neutral","sentiment_score":-0.00923902541399002},{"text":"Oh, no.","start":676.13995,"end":677.27997,"sentiment":"neutral","sentiment_score":-0.008454141672700644},{"text":"Oh, that's yeah.","start":677.89996,"end":680.56,"sentiment":"neutral","sentiment_score":0.003542856934169928},{"text":"Yeah.","start":681.01996,"end":681.51996,"sentiment":"neutral","sentiment_score":0.0005958685651421547}],"sentiment":"neutral","sentiment_score":0.0029937339713796973,"num_words":8,"start":670.45996,"end":681.51996},{"sentences":[{"text":"Yeah.","start":686.435,"end":686.835,"sentiment":"neutral","sentiment_score":0.02967723272740841},{"text":"No.","start":686.835,"end":687.155,"sentiment":"neutral","sentiment_score":0.06163300946354866},{"text":"Absolutely.","start":687.155,"end":687.655,"sentiment":"neutral","sentiment_score":0.15011633932590485},{"text":"It's not a problem at all.","start":688.03503,"end":689.47504,"sentiment":"neutral","sentiment_score":0.2108831579486529},{"text":"I'll get that transaction with that advice done up.","start":689.47504,"end":691.55505,"sentiment":"neutral","sentiment_score":0.24592538840240902}],"sentiment":"neutral","sentiment_score":0.2066696680461367,"num_words":18,"start":686.435,"end":691.55505},{"sentences":[{"text":"I'll send it through to you very shortly so you can sign and return it back, and then we'll be able to go in and amend that pension payment amount for you.","start":691.55505,"end":698.54,"sentiment":"neutral","sentiment_score":0.18327202298678458},{"text":"Okay?","start":700.51996,"end":701.0,"sentiment":"neutral","sentiment_score":0.14716272056102753},{"text":"Easy.","start":701.0,"end":701.48,"sentiment":"neutral","sentiment_score":0.20580792427062988},{"text":"Not a not a problem at all.","start":701.48,"end":703.16,"sentiment":"neutral","sentiment_score":0.16272527192320144},{"text":"I will just double check with Hub to make sure that there's no that there's no need for a form or if there is any particular form we need to have completed, I'll make sure we get that sorted for you.","start":703.16,"end":715.09503,"sentiment":"neutral","sentiment_score":0.11784220695859049}],"sentiment":"neutral","sentiment_score":0.14863759474601687,"num_words":82,"start":691.55505,"end":715.09503},{"sentences":[{"text":"Okay?","start":715.09503,"end":715.59503,"sentiment":"neutral","sentiment_score":0.09024082124233246},{"text":"Beautiful.","start":717.335,"end":717.835,"sentiment":"positive","sentiment_score":0.34726619720458984},{"text":"Do you have any other questions or anything else you might need for me at the moment?","start":718.295,"end":721.835,"sentiment":"neutral","sentiment_score":0.09080759917988497},{"text":"Or Yep.","start":721.895,"end":725.06,"sentiment":"neutral","sentiment_score":0.0003858190029859543},{"text":"Beautiful.","start":726.56,"end":727.06,"sentiment":"positive","sentiment_score":0.6242901682853699}],"sentiment":"neutral","sentiment_score":0.1184680913998322,"num_words":22,"start":715.09503,"end":727.06},{"sentences":[{"text":"Yeah.","start":730.88,"end":731.38,"sentiment":"neutral","sentiment_score":0.06620067358016968},{"text":"Absolutely.","start":736.41504,"end":736.815,"sentiment":"positive","sentiment_score":0.3923575282096863},{"text":"No.","start":736.815,"end":737.215,"sentiment":"neutral","sentiment_score":0.2312388122081757},{"text":"Completely understandable.","start":737.215,"end":738.35504,"sentiment":"positive","sentiment_score":0.39545948803424835},{"text":"It's all good.","start":739.215,"end":740.015,"sentiment":"positive","sentiment_score":0.7085678974787394}],"sentiment":"positive","sentiment_score":0.4508024603128433,"num_words":8,"start":730.88,"end":740.015},{"sentences":[{"text":"Very easy to sort out.","start":740.015,"end":741.135,"sentiment":"positive","sentiment_score":0.6951269745826721},{"text":"Not a problem at all.","start":741.135,"end":742.515,"sentiment":"positive","sentiment_score":0.36798660159111024},{"text":"I'll get that done for you.","start":742.895,"end":744.575,"sentiment":"positive","sentiment_score":0.3617824812730153},{"text":"I do believe Colin asked me to give him a call when he's available.","start":744.575,"end":747.29504,"sentiment":"neutral","sentiment_score":0.047557350514190536},{"text":"Is he available this afternoon anytime?","start":747.29504,"end":749.455,"sentiment":"neutral","sentiment_score":0.023849235226710636}],"sentiment":"neutral","sentiment_score":0.23042114130738708,"num_words":36,"start":740.015,"end":749.455},{"sentences":[{"text":"Do you know?","start":749.455,"end":750.275,"sentiment":"neutral","sentiment_score":0.010240318874518076},{"text":"If he's available, yeah.","start":752.42,"end":754.27997,"sentiment":"neutral","sentiment_score":0.0008793949382379651},{"text":"Sure.","start":758.26,"end":758.76,"sentiment":"neutral","sentiment_score":-0.10811010003089903},{"text":"You're right.","start":764.57996,"end":765.48,"sentiment":"neutral","sentiment_score":0.06540489755570889},{"text":"Yep.","start":790.765,"end":791.265,"sentiment":"neutral","sentiment_score":0.01526700984686613}],"sentiment":"neutral","sentiment_score":0.0065641128458082685,"num_words":11,"start":749.455,"end":791.265},{"sentences":[{"text":"No.","start":792.125,"end":792.445,"sentiment":"neutral","sentiment_score":-0.03479059040546417},{"text":"That's okay.","start":792.445,"end":793.265,"sentiment":"neutral","sentiment_score":0.0008086033631116152},{"text":"I'm also just having a look at the forms here, Carrie.","start":793.405,"end":795.485,"sentiment":"neutral","sentiment_score":0.01777723448520357},{"text":"Did you want me to amend the bank account that that's being paid to?","start":795.485,"end":798.605,"sentiment":"neutral","sentiment_score":-0.01300011934446437},{"text":"I can do up a new bank account nomination form whilst I'm doing this for you if you like.","start":798.605,"end":802.78503,"sentiment":"neutral","sentiment_score":0.028420021071245794}],"sentiment":"neutral","sentiment_score":0.01107138138700356,"num_words":47,"start":792.125,"end":802.78503},{"sentences":[{"text":"Yeah.","start":808.16,"end":808.39996,"sentiment":"neutral","sentiment_score":0.11414621770381927},{"text":"That's absolutely fine.","start":808.39996,"end":809.83997,"sentiment":"neutral","sentiment_score":0.1878339151541392},{"text":"What I can do, I can, grab the bank account information off you if you've got it there on you at all.","start":809.83997,"end":818.335,"sentiment":"neutral","sentiment_score":0.06119380417195233},{"text":"Are you okay giving that to me now, or did you wanna email it through?","start":818.335,"end":821.295,"sentiment":"neutral","sentiment_score":0.0330581858754158},{"text":"What's your preferred?","start":821.295,"end":822.355,"sentiment":"neutral","sentiment_score":0.02149361992875735}],"sentiment":"neutral","sentiment_score":0.05873330233787948,"num_words":44,"start":808.16,"end":822.355},{"sentences":[{"text":"Yeah.","start":824.495,"end":824.895,"sentiment":"neutral","sentiment_score":0.09223067760467528},{"text":"Beautiful.","start":824.895,"end":825.395,"sentiment":"neutral","sentiment_score":0.16379137337207794},{"text":"That's okay.","start":825.615,"end":826.255,"sentiment":"neutral","sentiment_score":0.06373256072402},{"text":"I'm just gonna turn the recording off for you just because we don't wanna record any bank account information.","start":826.255,"end":830.675,"sentiment":"neutral","sentiment_score":-0.028028184744088275},{"text":"I'm just gonna turn it off now, and you'll just hear a little you should just hear a little beep.","start":838.87,"end":844.63,"sentiment":"neutral","sentiment_score":0.003033458284335211}],"sentiment":"neutral","sentiment_score":-0.00205532958200418,"num_words":43,"start":824.495,"end":844.63},{"sentences":[{"text":"Okay?","start":844.63,"end":845.13,"sentiment":"neutral","sentiment_score":0.004401637241244316},{"text":"Did anything sorta come up at all?","start":849.175,"end":851.595,"sentiment":"neutral","sentiment_score":-0.07538391357021672},{"text":"Yeah.","start":853.975,"end":854.475,"sentiment":"neutral","sentiment_score":-0.0028160028159618378},{"text":"Yes, please.","start":860.31,"end":861.13,"sentiment":"neutral","sentiment_score":0.012926663272082806},{"text":"Yep.","start":865.19,"end":865.69,"sentiment":"neutral","sentiment_score":0.007339387200772762}],"sentiment":"neutral","sentiment_score":-0.04107575390177468,"num_words":12,"start":844.63,"end":865.69},{"sentences":[{"text":"Yep.","start":877.445,"end":877.945,"sentiment":"neutral","sentiment_score":-0.0053613814525306225},{"text":"Mhmm.","start":880.245,"end":880.745,"sentiment":"neutral","sentiment_score":0.002489630365744233},{"text":"Beautiful.","start":883.14,"end":883.64,"sentiment":"positive","sentiment_score":0.39742106199264526},{"text":"All good.","start":884.02,"end":884.58,"sentiment":"positive","sentiment_score":0.4183310866355896},{"text":"So I'll just read it back to you just to confirm.","start":884.58,"end":886.42004,"sentiment":"neutral","sentiment_score":0.1278376653790474}],"sentiment":"neutral","sentiment_score":0.16483911270915996,"num_words":16,"start":877.445,"end":886.42004},{"sentences":[{"text":"It's VSP 484799.","start":886.42004,"end":889.46,"sentiment":"neutral","sentiment_score":0.0275857076048851},{"text":"Account number, 604792181.","start":889.46,"end":894.04004,"sentiment":"neutral","sentiment_score":0.02126505287985007},{"text":"Beautiful.","start":895.395,"end":895.895,"sentiment":"positive","sentiment_score":0.3720013499259949},{"text":"Yep.","start":897.395,"end":897.895,"sentiment":"neutral","sentiment_score":0.07703392207622528},{"text":"Perfect.","start":898.435,"end":898.935,"sentiment":"positive","sentiment_score":0.3837951421737671}],"sentiment":"neutral","sentiment_score":0.10882029951446587,"num_words":9,"start":886.42004,"end":898.935},{"sentences":[{"text":"So same as the last one.","start":899.235,"end":901.335,"sentiment":"neutral","sentiment_score":0.12545714154839516},{"text":"And Colin Andrews.","start":901.955,"end":903.255,"sentiment":"neutral","sentiment_score":0.07209222887953122},{"text":"Beautiful.","start":903.555,"end":904.055,"sentiment":"positive","sentiment_score":0.45191070437431335},{"text":"Not a problem.","start":904.195,"end":904.755,"sentiment":"neutral","sentiment_score":0.30879679322242737},{"text":"I'll get the new bank account nomination form done up so we can have that altered for you as well.","start":904.755,"end":909.13,"sentiment":"neutral","sentiment_score":0.23249456882476807}],"sentiment":"neutral","sentiment_score":0.212036727165634,"num_words":33,"start":899.235,"end":909.13},{"sentences":[{"text":"We may as well do that before the next pension payment's due to make it nice and easy for you.","start":909.13,"end":913.44995,"sentiment":"neutral","sentiment_score":0.2866810068488121},{"text":"Okay?","start":913.44995,"end":913.94995,"sentiment":"neutral","sentiment_score":0.1033741906285286},{"text":"Fantastic.","start":915.05,"end":915.55,"sentiment":"positive","sentiment_score":0.6441565155982971},{"text":"That's okay.","start":916.73,"end":917.37,"sentiment":"positive","sentiment_score":0.4282754361629486},{"text":"It's not a problem at all.","start":917.37,"end":918.97,"sentiment":"neutral","sentiment_score":0.31020471453666687}],"sentiment":"neutral","sentiment_score":0.3066310000916322,"num_words":30,"start":909.13,"end":918.97},{"sentences":[{"text":"I'm just sending the recording back on as well.","start":918.97,"end":921.23,"sentiment":"neutral","sentiment_score":0.18444853027661642},{"text":"Yep.","start":922.635,"end":923.135,"sentiment":"neutral","sentiment_score":0.10693292319774628},{"text":"Oh, thanks so much.","start":923.59503,"end":924.815,"sentiment":"positive","sentiment_score":0.4438433349132538},{"text":"Thanks, Carrie.","start":927.195,"end":927.99506,"sentiment":"positive","sentiment_score":0.3589604049921036},{"text":"Talk to you soon.","start":927.99506,"end":928.895,"sentiment":"neutral","sentiment_score":0.22792579233646393}],"sentiment":"neutral","sentiment_score":0.2585983507335186,"num_words":20,"start":918.97,"end":928.895},{"sentences":[{"text":"Hey, Cole.","start":931.99506,"end":932.635,"sentiment":"neutral","sentiment_score":0.07410630211234093},{"text":"How are you?","start":932.635,"end":933.455,"sentiment":"neutral","sentiment_score":0.09683247655630112},{"text":"You sound so different.","start":937.61,"end":938.82996,"sentiment":"neutral","sentiment_score":0.015041084960103035},{"text":"Cole, because I am now discussing your personal information, I just need to acknowledge the security with yourself there.","start":941.05,"end":946.32996,"sentiment":"neutral","sentiment_score":0.03788887670165614},{"text":"If you can confirm your full name, date of birth, and address for me.","start":946.32996,"end":949.38995,"sentiment":"neutral","sentiment_score":0.050520765994276316}],"sentiment":"neutral","sentiment_score":0.04585842273774601,"num_words":42,"start":931.99506,"end":949.38995},{"sentences":[{"text":"Yep.","start":951.625,"end":952.125,"sentiment":"neutral","sentiment_score":0.028586696833372116},{"text":"Beautiful.","start":955.46497,"end":955.96497,"sentiment":"neutral","sentiment_score":0.11344511806964874},{"text":"And this call will be recorded moving forward.","start":957.545,"end":959.385,"sentiment":"neutral","sentiment_score":0.05081728380173445},{"text":"You're comfortable with that?","start":959.385,"end":960.76495,"sentiment":"neutral","sentiment_score":0.06997616216540337},{"text":"Beautiful.","start":962.44,"end":962.94,"sentiment":"positive","sentiment_score":0.4330800175666809}],"sentiment":"neutral","sentiment_score":0.08410365010301273,"num_words":15,"start":951.625,"end":962.94},{"sentences":[{"text":"All good.","start":963.08,"end":963.56,"sentiment":"positive","sentiment_score":0.40611323714256287},{"text":"I got your email here.","start":963.56,"end":965.24,"sentiment":"neutral","sentiment_score":0.27348209023475645},{"text":"So you've had a really good look at the quotes and had a good chat to Carrie about, you know, what you're comfortable with if if in the event you were to pass away or become totally permanently disabled.","start":965.24,"end":975.26,"sentiment":"neutral","sentiment_score":0.23197437665210321},{"text":"And it mentions that you're kind of happy to cancel that.","start":975.96,"end":979.195,"sentiment":"neutral","sentiment_score":-0.024973748421127148},{"text":"Is that right?","start":979.195,"end":980.015,"sentiment":"neutral","sentiment_score":0.03259490182002386}],"sentiment":"neutral","sentiment_score":0.18416185146197678,"num_words":60,"start":963.08,"end":980.015},{"sentences":[{"text":"You're happy to go ahead and cancel the life and TPD?","start":982.395,"end":985.375,"sentiment":"neutral","sentiment_score":0.005535614507442171},{"text":"You're not sort of wanting to keep those moving forward?","start":985.435,"end":987.935,"sentiment":"neutral","sentiment_score":-0.1643388330936432},{"text":"Oh, did you I'm so sorry.","start":994.33,"end":995.53,"sentiment":"neutral","sentiment_score":-0.022890205805500347},{"text":"I'm mostly looking at the wrong one.","start":995.53,"end":997.05005,"sentiment":"neutral","sentiment_score":-0.017458386719226837},{"text":"Oh, I am.","start":997.05005,"end":998.57,"sentiment":"neutral","sentiment_score":-0.011649601782361666}],"sentiment":"neutral","sentiment_score":-0.050729603204574134,"num_words":37,"start":982.395,"end":998.57},{"sentences":[{"text":"I'm yeah.","start":998.57,"end":999.45,"sentiment":"neutral","sentiment_score":0.0038106178399175406},{"text":"That's okay.","start":999.45,"end":1000.19,"sentiment":"neutral","sentiment_score":0.09259958937764168},{"text":"Yeah.","start":1002.26495,"end":1002.58496,"sentiment":"neutral","sentiment_score":0.032296739518642426},{"text":"No.","start":1002.58496,"end":1002.82495,"sentiment":"neutral","sentiment_score":0.0050154998898506165},{"text":"All good.","start":1002.82495,"end":1003.14496,"sentiment":"neutral","sentiment_score":0.1001281663775444}],"sentiment":"neutral","sentiment_score":0.053798623324837536,"num_words":8,"start":998.57,"end":1003.14496},{"sentences":[{"text":"Sorry.","start":1003.14496,"end":1003.305,"sentiment":"neutral","sentiment_score":-0.05446956306695938},{"text":"I'm looking at the last email.","start":1003.305,"end":1004.505,"sentiment":"neutral","sentiment_score":-0.05320503500600656},{"text":"I do apologize about that.","start":1004.505,"end":1006.045,"sentiment":"neutral","sentiment_score":-0.045849446952342984},{"text":"No.","start":1007.46497,"end":1007.70496,"sentiment":"neutral","sentiment_score":0.07979854941368103},{"text":"It's all good, sir.","start":1007.70496,"end":1008.845,"sentiment":"neutral","sentiment_score":0.26062897592782974}],"sentiment":"neutral","sentiment_score":0.030551026191781547,"num_words":17,"start":1003.14496,"end":1008.845},{"sentences":[{"text":"All good.","start":1009.945,"end":1010.425,"sentiment":"positive","sentiment_score":0.4162091016769409},{"text":"So we'll go with the 300,000 coverage.","start":1010.425,"end":1012.345,"sentiment":"neutral","sentiment_score":0.2199784815311432},{"text":"So reducing the canceling the TBD and reducing loss to 300,000, is that the right way?","start":1012.345,"end":1018.77997,"sentiment":"neutral","sentiment_score":0.10285139502957463},{"text":"Yep.","start":1020.19995,"end":1020.6,"sentiment":"neutral","sentiment_score":0.3005794882774353},{"text":"Perfect.","start":1020.6,"end":1021.1,"sentiment":"positive","sentiment_score":0.6482789516448975}],"sentiment":"neutral","sentiment_score":0.18395364201731151,"num_words":27,"start":1009.945,"end":1021.1},{"sentences":[{"text":"That makes it so much cheaper, and then you still get that benefit if anything was to happen there.","start":1021.24,"end":1025.72,"sentiment":"positive","sentiment_score":0.5277789580194574},{"text":"So yeah.","start":1025.72,"end":1026.86,"sentiment":"neutral","sentiment_score":0.27296142280101776},{"text":"Yeah.","start":1033.1951,"end":1033.515,"sentiment":"neutral","sentiment_score":0.1508595049381256},{"text":"Yeah.","start":1033.515,"end":1033.915,"sentiment":"neutral","sentiment_score":0.1929158717393875},{"text":"Absolutely.","start":1033.915,"end":1034.415,"sentiment":"neutral","sentiment_score":0.2809144854545593}],"sentiment":"positive","sentiment_score":0.4666005379209916,"num_words":24,"start":1021.24,"end":1034.415},{"sentences":[{"text":"Absolutely.","start":1034.875,"end":1035.375,"sentiment":"neutral","sentiment_score":0.24803167581558228},{"text":"No.","start":1035.755,"end":1035.995,"sentiment":"neutral","sentiment_score":0.15696600079536438},{"text":"Not a problem at all.","start":1035.995,"end":1036.955,"sentiment":"neutral","sentiment_score":0.1722552716732025},{"text":"Perfect.","start":1036.955,"end":1037.355,"sentiment":"positive","sentiment_score":0.4524068236351013},{"text":"Well, we will go forward the research and get that completed for you.","start":1037.355,"end":1041.435,"sentiment":"neutral","sentiment_score":0.3080095430979362}],"sentiment":"neutral","sentiment_score":0.2725145199469158,"num_words":21,"start":1034.875,"end":1041.435},{"sentences":[{"text":"I am away over the Easter break, so it'll probably be when I come back that we get that presented.","start":1041.435,"end":1046.17,"sentiment":"neutral","sentiment_score":-0.04044459983706474},{"text":"Is that okay?","start":1046.17,"end":1046.99,"sentiment":"neutral","sentiment_score":0.002459688112139702},{"text":"Yeah.","start":1050.17,"end":1050.49,"sentiment":"neutral","sentiment_score":-0.053499504923820496},{"text":"No.","start":1050.49,"end":1050.65,"sentiment":"neutral","sentiment_score":-0.16873958706855774},{"text":"It's okay.","start":1050.65,"end":1051.39,"sentiment":"neutral","sentiment_score":-0.16225813329219818}],"sentiment":"neutral","sentiment_score":-0.049935862628950015,"num_words":27,"start":1041.435,"end":1051.39},{"sentences":[{"text":"I'll be away from the end of next week for until the thirteenth.","start":1052.09,"end":1056.615,"sentiment":"neutral","sentiment_score":-0.0753144143292537},{"text":"It'll be a little bit after that that we have the advice ready to go.","start":1056.615,"end":1059.655,"sentiment":"neutral","sentiment_score":-0.003588283775995175},{"text":"Is that okay?","start":1059.655,"end":1060.475,"sentiment":"neutral","sentiment_score":-0.007260310463607311},{"text":"Yeah?","start":1060.775,"end":1061.275,"sentiment":"neutral","sentiment_score":0.014444924890995026},{"text":"Beautiful.","start":1062.215,"end":1062.715,"sentiment":"positive","sentiment_score":0.41499215364456177}],"sentiment":"neutral","sentiment_score":-0.01894713623562094,"num_words":33,"start":1052.09,"end":1062.715},{"sentences":[{"text":"Not a problem at all.","start":1062.855,"end":1063.655,"sentiment":"neutral","sentiment_score":0.1998198963701725},{"text":"We'll get cracking on the research for you.","start":1063.655,"end":1065.835,"sentiment":"neutral","sentiment_score":0.2770443744957447},{"text":"And when I come back, we'll have it ready to go to make it nice and easy.","start":1066.055,"end":1069.335,"sentiment":"neutral","sentiment_score":0.3113568521597806},{"text":"Okay?","start":1069.335,"end":1069.835,"sentiment":"neutral","sentiment_score":0.23846767842769623},{"text":"Oh, that's okay.","start":1070.93,"end":1072.29,"sentiment":"neutral","sentiment_score":0.3267298936843872}],"sentiment":"neutral","sentiment_score":0.2860934801180573,"num_words":34,"start":1062.855,"end":1072.29},{"sentences":[{"text":"Not a problem at all.","start":1072.29,"end":1073.33,"sentiment":"neutral","sentiment_score":0.22041165232658386},{"text":"How's your week been?","start":1073.33,"end":1075.19,"sentiment":"neutral","sentiment_score":0.10531150363385677},{"text":"Yes.","start":1081.73,"end":1082.23,"sentiment":"neutral","sentiment_score":0.2333061695098877},{"text":"Perfect.","start":1082.37,"end":1082.87,"sentiment":"positive","sentiment_score":0.5159665942192078},{"text":"All good.","start":1083.41,"end":1084.15,"sentiment":"positive","sentiment_score":0.46246983110904694}],"sentiment":"neutral","sentiment_score":0.2459628232396566,"num_words":13,"start":1072.29,"end":1084.15},{"sentences":[{"text":"All good.","start":1084.37,"end":1085.19,"sentiment":"positive","sentiment_score":0.4388134777545929},{"text":"All good to hear.","start":1085.6951,"end":1086.755,"sentiment":"positive","sentiment_score":0.48807548731565475},{"text":"Is there any other questions or any concerns or anything that yourself or Carrie had that you wanted to chat about or you're all good?","start":1086.895,"end":1093.375,"sentiment":"neutral","sentiment_score":0.030132694598287345},{"text":"Does that yes.","start":1093.375,"end":1096.515,"sentiment":"neutral","sentiment_score":0.05630243321259817},{"text":"Yeah.","start":1100.3501,"end":1100.8501,"sentiment":"neutral","sentiment_score":0.285854697227478}],"sentiment":"neutral","sentiment_score":0.11537166475983603,"num_words":35,"start":1084.37,"end":1100.8501},{"sentences":[{"text":"Yep.","start":1102.8301,"end":1103.3301,"sentiment":"positive","sentiment_score":0.3347983956336975},{"text":"Absolutely.","start":1104.51,"end":1105.01,"sentiment":"neutral","sentiment_score":0.16537557542324066},{"text":"Yep.","start":1106.8301,"end":1107.15,"sentiment":"neutral","sentiment_score":0.05720682442188263},{"text":"No.","start":1107.15,"end":1107.39,"sentiment":"neutral","sentiment_score":0.06248603016138077},{"text":"That's okay.","start":1107.39,"end":1108.1101,"sentiment":"neutral","sentiment_score":0.10786189511418343}],"sentiment":"neutral","sentiment_score":0.1392651026447614,"num_words":6,"start":1102.8301,"end":1108.1101},{"sentences":[{"text":"Not a problem at all.","start":1108.1101,"end":1109.0701,"sentiment":"neutral","sentiment_score":0.22655004262924194},{"text":"Beautiful.","start":1109.0701,"end":1109.4701,"sentiment":"positive","sentiment_score":0.6105673313140869},{"text":"I'll get cracking on that foi.","start":1109.4701,"end":1110.4851,"sentiment":"positive","sentiment_score":0.39731190105279285},{"text":"If there's anything else you need, please don't ever hesitate.","start":1110.4851,"end":1112.665,"sentiment":"neutral","sentiment_score":0.24462247043848037},{"text":"Let me know, and I'll definitely jump in, try to get it sorted for as quickly as I can.","start":1112.725,"end":1116.885,"sentiment":"neutral","sentiment_score":0.28870971657727895}],"sentiment":"neutral","sentiment_score":0.29411947000317457,"num_words":41,"start":1108.1101,"end":1116.885},{"sentences":[{"text":"Easy.","start":1116.885,"end":1117.385,"sentiment":"neutral","sentiment_score":0.3278041481971741},{"text":"No worries, though.","start":1119.605,"end":1120.5651,"sentiment":"neutral","sentiment_score":0.20629549026489258},{"text":"You have a lovely afternoon.","start":1120.5651,"end":1121.925,"sentiment":"positive","sentiment_score":0.47950400710105895},{"text":"Thank you so much.","start":1121.925,"end":1122.645,"sentiment":"positive","sentiment_score":0.570432186126709},{"text":"I hope you guys have a great Easter.","start":1122.645,"end":1124.345,"sentiment":"positive","sentiment_score":0.47654687240719795}],"sentiment":"positive","sentiment_score":0.4494435418219793,"num_words":21,"start":1116.885,"end":1124.345},{"sentences":[{"text":"Will do.","start":1127.5,"end":1127.98,"sentiment":"neutral","sentiment_score":0.2684233635663986},{"text":"Thanks so much.","start":1127.98,"end":1128.7799,"sentiment":"neutral","sentiment_score":0.24806489050388336},{"text":"You too.","start":1128.7799,"end":1129.6,"sentiment":"neutral","sentiment_score":0.041630834341049194},{"text":"Oh, so much.","start":1132.38,"end":1134.0,"sentiment":"neutral","sentiment_score":-0.10516382257143657},{"text":"I even sound a lot better today, but, yeah, hopefully, we don't get anything else.","start":1134.22,"end":1138.6399,"sentiment":"neutral","sentiment_score":-0.09326798220475514}],"sentiment":"neutral","sentiment_score":-0.014008325338363648,"num_words":25,"start":1127.5,"end":1138.6399},{"sentences":[{"text":"Yeah.","start":1145.875,"end":1146.375,"sentiment":"neutral","sentiment_score":-0.038359448313713074},{"text":"Yeah.","start":1146.4349,"end":1146.9349,"sentiment":"neutral","sentiment_score":-0.04506818577647209},{"text":"Absolutely.","start":1149.875,"end":1150.375,"sentiment":"neutral","sentiment_score":0.013025801628828049},{"text":"Absolutely.","start":1151.315,"end":1151.815,"sentiment":"neutral","sentiment_score":0.017035584896802902},{"text":"No.","start":1152.355,"end":1152.855,"sentiment":"neutral","sentiment_score":-0.12379252910614014}],"sentiment":"neutral","sentiment_score":-0.03543175533413887,"num_words":5,"start":1145.875,"end":1152.855},{"sentences":[{"text":"Oh, good.","start":1153.493,"end":1153.973,"sentiment":"positive","sentiment_score":0.5265403985977173},{"text":"Thanks so much, Cole.","start":1153.973,"end":1155.013,"sentiment":"positive","sentiment_score":0.7625329196453094},{"text":"Have a great weekend.","start":1155.013,"end":1155.973,"sentiment":"positive","sentiment_score":0.7539555579423904},{"text":"I'll talk to you soon.","start":1155.973,"end":1157.193,"sentiment":"neutral","sentiment_score":0.11182265877723693},{"text":"See you later.","start":1158.053,"end":1158.853,"sentiment":"positive","sentiment_score":0.4782399336496989}],"sentiment":"positive","sentiment_score":0.5062704334656397,"num_words":18,"start":1153.493,"end":1158.853},{"sentences":[{"text":"Bye.","start":1158.853,"end":1159.353,"sentiment":"neutral","sentiment_score":0.2728897035121918}],"sentiment":"neutral","sentiment_score":0.2728897035121918,"num_words":1,"start":1158.853,"end":1159.353}]}}]},{"alternatives":[{"transcript":"Harry speaking. Good. How are you? I've heard you been out. Yeah. No worries. Yeah. We all I managed to miss it, but everybody else in the family, it just you know, bad cough and things like that, and so hard to shake. Yeah. Yeah. No one's been in to get their flu needles or anything. Yeah. Yeah. That's fine. It's Carrie Ann Andrews for the 04/02/1963. Do you know the address? 10 Macosit Street 48. Yeah. No. There's no great drama. I've the pension started, and then, unfortunately, I've only got one payslip that I could say, hey. Look. The rest have got sick leave or holidays. But, yeah, per week, I'm down about $17 to what I was getting before. Yeah. Well, that's what I thought. Round up, round down, and that type of thing. Yeah. Yeah. Yeah. Nice. So I've had yeah. I've got the second payment on Monday. So when yeah. So if it comes in, I'd transfer it over to where I need it. I probably should've if we're going to change it, I will change which account I put in. Because it it's going into the slash fund, and it'll probably easily disappear. So yeah. And then I just transfer it over to where I need it to be and we go along as usual. So and, like, I know 7 inch dollars is is not not a lot, but just a present. It would be handy. No. Two pay I had Monday, fortnight ago, the pay come in, got the pay that the people was in the next one. And then this Monday, I got another pay in like, I've had the pay in between. So I had one fortnightly pay, which I split in half and moved around and sort of I'm just putting half over to the side so that I've got it there for the second week. You know? But, yeah, no. That's that's you know, it's working fine. I would I know it sounds minor, but I would like to have that $17 if I could. We've just had one of those months. I thought, right. I'm getting a new kitchen. Paid the deposit. Off we go. House insurance came in and, of course, no one will bloody insurance around here because it floods every twelve years. And, you know, they might get a plug. And yeah. And then there was something else come in and it's sort of like we've just bang and I thought, right, every little thing to help. But, anyway, we'll sort that out. Yeah. That's fine. Because I get $6.06 I get $660.20, and this is the short pay, but that's the same thing. And then I get $237.61 by the pension. Mhmm. Thank you. You're Yes. Yep. That'll be fine. Thank you. Got it. Yeah. Yeah. Yeah. Yeah. That's fine. Yep. Yep. Yeah. Mhmm. Yeah. No. That's fine. No problem at all. I think it's nice when something actually is easy to do. I mean, I just as you talk about, you know, the computers and that, I've been struggling at work tonight. It's just the, you know, just the system. We could use to them eventually, but sometimes you think, there must be an easier way. No worries. Thank you. I'm done. Yep. Not a problem. No. No. This seems to be working fine. And, yeah, we've there've been no issues really. So it's just being aware that, yeah, you know, move that move that. Yeah. Do you wanna talk to him now? I want to last thing around here somewhere. Hold on. I'll just go and get you. There's no use to hang out with this this or anything. So you gotta go hit him on the head or something. Hold on a second. He's on his way. I'll just turn up the volume. Yeah. That'd be good. I'll just move it into a a another account if that's alright. I'll give it to you now. Give us a sec. Well, it won't get across town with what's in the account. Mhmm. Yep. Radio. Oh, just a big big? Yes. You want the VSP is 484799, and the account is oh, hold on. Phone just disappeared. It's 604 792 18 1. That's right. And still in c dang, KAAndrews, if you need that? Alright. Yep. No worries. Great. Thank you very much for that. I'll I'll put yes. No worries. I'll put you on the call. Okay. Take care. Hello, Dana. Good. This is Terry with the deep voice. Colin John Andrews, fifteenth to the eighth 196310 Macarthur Street, Morey, New South Wales 24OO. Yep. No problem. Yep. Yep. Yep. Sorry. What was that? No. No. I think I've I've put down the the we'd I'll be happy to go with the 300,000. Yeah. With no with no TPD. Just the just the life insurance, the 300,000 quote that you sent me. Yeah. No. That's alright. That's correct. Yes. Exact yeah. That's that's still a good benefit, and and I'm be able I'll be able to put that a pretty big amount back in the super then. Yep. Sorry. Say again, mate. My ears are plain up. Yep. Yep. Yeah. No. That's fine. Yep. No. That's fine. Yep. Fantastic. Yeah. Thank you. Oh, it's been a bit here and there. I'm just just plodding along and doing it. I've up my hours, so I'm I'm slowly getting there. No. No. I think we're covered now. I think that once we get that organized, I think that'll just make a big difference. And, yeah, now I'll be happy pretty well with that, mate. So, yeah, I can't think of anything else offhand. Beautiful. Thank you so much. Yep. Yeah. You too, mate. All the best of you and your family. Yep. I I hope you're feeling better. I've been I get that sickness over. It's not fun. Yeah. Oh, no. That's it. It's well, no. I don't know. Whatever's going around down in this area, it's it's a hard one to shake. So just something in something in the air is upsetting a lot of people. So, anyway, all the best. No no worries. Thanks so much. Thanks, Dana. 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speaking. Good. How are you? I've heard you been out. Yeah.\n\nNo worries. Yeah. We all I managed to miss it, but everybody else in the family, it just you know, bad cough and things like that, and so hard to shake. Yeah. Yeah.\n\nNo one's been in to get their flu needles or anything. Yeah. Yeah. That's fine. It's Carrie Ann Andrews for the 04/02/1963.\n\nDo you know the address? 10 Macosit Street 48. Yeah. No. There's no great drama.\n\nI've the pension started, and then, unfortunately, I've only got one payslip that I could say, hey. Look. The rest have got sick leave or holidays. But, yeah, per week, I'm down about $17 to what I was getting before. Yeah.\n\nWell, that's what I thought. Round up, round down, and that type of thing. Yeah. Yeah. Yeah.\n\nNice. So I've had yeah. I've got the second payment on Monday. So when yeah. So if it comes in, I'd transfer it over to where I need it.\n\nI probably should've if we're going to change it, I will change which account I put in. Because it it's going into the slash fund, and it'll probably easily disappear. So yeah. And then I just transfer it over to where I need it to be and we go along as usual. So and, like, I know 7 inch dollars is is not not a lot, but just a present.\n\nIt would be handy. No. Two pay I had Monday, fortnight ago, the pay come in, got the pay that the people was in the next one. And then this Monday, I got another pay in like, I've had the pay in between. So I had one fortnightly pay, which I split in half and moved around and sort of I'm just putting half over to the side so that I've got it there for the second week.\n\nYou know? But, yeah, no. That's that's you know, it's working fine. I would I know it sounds minor, but I would like to have that $17 if I could. We've just had one of those months.\n\nI thought, right. I'm getting a new kitchen. Paid the deposit. Off we go. House insurance came in and, of course, no one will bloody insurance around here because it floods every twelve years.\n\nAnd, you know, they might get a plug. And yeah. And then there was something else come in and it's sort of like we've just bang and I thought, right, every little thing to help. But, anyway, we'll sort that out. Yeah.\n\nThat's fine. Because I get $6.06 I get $660.20, and this is the short pay, but that's the same thing. And then I get $237.61 by the pension. Mhmm. Thank you.\n\nYou're Yes. Yep. That'll be fine. Thank you. Got it.\n\nYeah. Yeah. Yeah. Yeah. That's fine.\n\nYep. Yep. Yeah. Mhmm. Yeah.\n\nNo. That's fine. No problem at all. I think it's nice when something actually is easy to do. I mean, I just as you talk about, you know, the computers and that, I've been struggling at work tonight.\n\nIt's just the, you know, just the system. We could use to them eventually, but sometimes you think, there must be an easier way. No worries. Thank you. I'm done.\n\nYep. Not a problem. No. No. This seems to be working fine.\n\nAnd, yeah, we've there've been no issues really. So it's just being aware that, yeah, you know, move that move that. Yeah. Do you wanna talk to him now? I want to last thing around here somewhere.\n\nHold on. I'll just go and get you. There's no use to hang out with this this or anything. So you gotta go hit him on the head or something. Hold on a second.\n\nHe's on his way. I'll just turn up the volume. Yeah. That'd be good. I'll just move it into a a another account if that's alright.\n\nI'll give it to you now. Give us a sec. Well, it won't get across town with what's in the account. Mhmm. Yep.\n\nRadio. Oh, just a big big? Yes. You want the VSP is 484799, and the account is oh, hold on. Phone just disappeared.\n\nIt's 604 792 18 1. That's right. And still in c dang, KAAndrews, if you need that? Alright. Yep.\n\nNo worries. Great. Thank you very much for that. I'll I'll put yes. No worries.\n\nI'll put you on the call. Okay. Take care. Hello, Dana. Good.\n\nThis is Terry with the deep voice. Colin John Andrews, fifteenth to the eighth 196310 Macarthur Street, Morey, New South Wales 24OO. Yep. No problem. Yep.\n\nYep. Yep. Sorry. What was that? No.\n\nNo. I think I've I've put down the the we'd I'll be happy to go with the 300,000. Yeah. With no with no TPD. Just the just the life insurance, the 300,000 quote that you sent me.\n\nYeah. No. That's alright. That's correct. Yes.\n\nExact yeah. That's that's still a good benefit, and and I'm be able I'll be able to put that a pretty big amount back in the super then. Yep. Sorry. Say again, mate.\n\nMy ears are plain up. Yep. Yep. Yeah. No.\n\nThat's fine. Yep. No. That's fine. Yep.\n\nFantastic. Yeah. Thank you. Oh, it's been a bit here and there. I'm just just plodding along and doing it.\n\nI've up my hours, so I'm I'm slowly getting there. No. No. I think we're covered now. I think that once we get that organized, I think that'll just make a big difference.\n\nAnd, yeah, now I'll be happy pretty well with that, mate. So, yeah, I can't think of anything else offhand. Beautiful. Thank you so much. Yep.\n\nYeah. You too, mate. All the best of you and your family. Yep. I I hope you're feeling better.\n\nI've been I get that sickness over. It's not fun. Yeah. Oh, no. That's it.\n\nIt's well, no. I don't know. Whatever's going around down in this area, it's it's a hard one to shake. So just something in something in the air is upsetting a lot of people. So, anyway, all the best.\n\nNo no worries. Thanks so much. Thanks, Dana. See you.","paragraphs":[{"sentences":[{"text":"Harry speaking.","start":0.88,"end":1.78,"sentiment":"neutral","sentiment_score":0.020361733622848988},{"text":"Good.","start":7.04,"end":7.52,"sentiment":"positive","sentiment_score":0.4472888112068176},{"text":"How are you?","start":7.52,"end":8.0,"sentiment":"neutral","sentiment_score":0.2675846517086029},{"text":"I've heard you been out.","start":8.0,"end":9.3,"sentiment":"neutral","sentiment_score":0.010023747384548188},{"text":"Yeah.","start":21.775,"end":22.095,"sentiment":"neutral","sentiment_score":0.14012986421585083}],"sentiment":"neutral","sentiment_score":0.12341790289307634,"num_words":12,"start":0.88,"end":22.095},{"sentences":[{"text":"No worries.","start":22.095,"end":22.835,"sentiment":"neutral","sentiment_score":0.06464343145489693},{"text":"Yeah.","start":23.134998,"end":23.455,"sentiment":"neutral","sentiment_score":-0.005388373509049416},{"text":"We all I managed to miss it, but everybody else in the family, it just you know, bad cough and things like that, and so hard to shake.","start":23.455,"end":31.41,"sentiment":"neutral","sentiment_score":-0.22223513733063424},{"text":"Yeah.","start":38.03,"end":38.53,"sentiment":"neutral","sentiment_score":-0.025290122255682945},{"text":"Yeah.","start":38.59,"end":39.09,"sentiment":"neutral","sentiment_score":-0.06478466093540192}],"sentiment":"neutral","sentiment_score":-0.1875381860317606,"num_words":33,"start":22.095,"end":39.09},{"sentences":[{"text":"No one's been in to get their flu needles or anything.","start":39.47,"end":42.11,"sentiment":"neutral","sentiment_score":-0.3287062509493394},{"text":"Yeah.","start":42.11,"end":42.61,"sentiment":"neutral","sentiment_score":-0.022571463137865067},{"text":"Yeah.","start":59.019997,"end":59.34,"sentiment":"neutral","sentiment_score":0.06180226802825928},{"text":"That's fine.","start":59.34,"end":60.079998,"sentiment":"neutral","sentiment_score":0.11763353645801544},{"text":"It's Carrie Ann Andrews for the 04/02/1963.","start":68.7,"end":73.985,"sentiment":"neutral","sentiment_score":0.051753423043659756}],"sentiment":"neutral","sentiment_score":-0.13540895096957684,"num_words":22,"start":39.47,"end":73.985},{"sentences":[{"text":"Do you know the address?","start":74.604996,"end":75.665,"sentiment":"neutral","sentiment_score":0.0628207191824913},{"text":"10 Macosit Street 48.","start":77.405,"end":79.345,"sentiment":"neutral","sentiment_score":0.03170208306983113},{"text":"Yeah.","start":100.715,"end":100.954994,"sentiment":"neutral","sentiment_score":-0.03261552006006241},{"text":"No.","start":100.954994,"end":101.115,"sentiment":"neutral","sentiment_score":-0.12948136031627655},{"text":"There's no great drama.","start":101.115,"end":102.735,"sentiment":"neutral","sentiment_score":-0.19325199723243713}],"sentiment":"neutral","sentiment_score":-0.032946196074287094,"num_words":15,"start":74.604996,"end":102.735},{"sentences":[{"text":"I've the pension started, and then, unfortunately, I've only got one payslip that I could say, hey.","start":103.59499,"end":111.354996,"sentiment":"neutral","sentiment_score":-0.1978946456904797},{"text":"Look.","start":111.354996,"end":111.854996,"sentiment":"neutral","sentiment_score":-0.3137442469596863},{"text":"The rest have got sick leave or holidays.","start":112.17,"end":114.51,"sentiment":"neutral","sentiment_score":-0.15598332742229104},{"text":"But, yeah, per week, I'm down about $17 to what I was getting before.","start":116.41,"end":123.79,"sentiment":"neutral","sentiment_score":-0.08279799330713493},{"text":"Yeah.","start":154.625,"end":154.86499,"sentiment":"neutral","sentiment_score":0.034514766186475754}],"sentiment":"neutral","sentiment_score":-0.14757260934608737,"num_words":41,"start":103.59499,"end":154.86499},{"sentences":[{"text":"Well, that's what I thought.","start":154.86499,"end":155.745,"sentiment":"neutral","sentiment_score":0.02605040408670902},{"text":"Round up, round down, and that type of thing.","start":155.745,"end":157.825,"sentiment":"neutral","sentiment_score":0.007660455173916287},{"text":"Yeah.","start":157.825,"end":158.325,"sentiment":"neutral","sentiment_score":0.02820444852113724},{"text":"Yeah.","start":165.04001,"end":165.28001,"sentiment":"neutral","sentiment_score":0.0664072185754776},{"text":"Yeah.","start":165.28001,"end":165.52,"sentiment":"neutral","sentiment_score":0.1946340650320053}],"sentiment":"neutral","sentiment_score":0.02873187347808305,"num_words":17,"start":154.86499,"end":165.52},{"sentences":[{"text":"Nice.","start":165.52,"end":166.02,"sentiment":"positive","sentiment_score":0.35615769028663635},{"text":"So I've had yeah.","start":167.12001,"end":168.8,"sentiment":"neutral","sentiment_score":0.1875537633895874},{"text":"I've got the second payment on Monday.","start":168.8,"end":170.66,"sentiment":"neutral","sentiment_score":0.12594020473105566},{"text":"So when yeah.","start":172.40001,"end":173.52,"sentiment":"neutral","sentiment_score":0.16131623089313507},{"text":"So if it comes in, I'd transfer it over to where I need it.","start":173.52,"end":178.745,"sentiment":"neutral","sentiment_score":0.10137848103685039}],"sentiment":"neutral","sentiment_score":0.13417936566060987,"num_words":29,"start":165.52,"end":178.745},{"sentences":[{"text":"I probably should've if we're going to change it, I will change which account I put in.","start":178.745,"end":183.885,"sentiment":"neutral","sentiment_score":0.033943890210460216},{"text":"Because it it's going into the slash fund, and it'll probably easily disappear.","start":184.745,"end":188.925,"sentiment":"neutral","sentiment_score":-0.1656919620358027},{"text":"So yeah.","start":192.14,"end":192.62,"sentiment":"neutral","sentiment_score":0.04766734316945076},{"text":"And then I just transfer it over to where I need it to be and we go along as 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between.","start":222.83,"end":227.49,"sentiment":"neutral","sentiment_score":0.002263534304802306},{"text":"So I had one fortnightly pay, which I split in half and moved around and sort of I'm just putting half over to the side so that I've got it there for the second week.","start":228.03,"end":238.545,"sentiment":"neutral","sentiment_score":0.10801286159881524}],"sentiment":"neutral","sentiment_score":0.0750603475398981,"num_words":78,"start":203.5,"end":238.545},{"sentences":[{"text":"You know?","start":238.545,"end":239.28499,"sentiment":"neutral","sentiment_score":0.08721555024385452},{"text":"But, yeah, no.","start":240.545,"end":241.185,"sentiment":"neutral","sentiment_score":0.08856917421023051},{"text":"That's that's you know, it's working fine.","start":241.185,"end":248.0,"sentiment":"neutral","sentiment_score":0.1940239029271262},{"text":"I would I know it sounds minor, but I would like to have that $17 if I could.","start":263.675,"end":270.44998,"sentiment":"neutral","sentiment_score":-0.015964045499761898},{"text":"We've just had one of those months.","start":270.91,"end":272.66998,"sentiment":"neutral","sentiment_score":-0.030936619532959803}],"sentiment":"neutral","sentiment_score":0.034983696969779765,"num_words":37,"start":238.545,"end":272.66998},{"sentences":[{"text":"I thought, right.","start":272.66998,"end":273.47,"sentiment":"neutral","sentiment_score":0.018995657563209534},{"text":"I'm getting a new kitchen.","start":273.47,"end":274.69,"sentiment":"neutral","sentiment_score":0.03033224940299988},{"text":"Paid the deposit.","start":274.83,"end":275.81,"sentiment":"neutral","sentiment_score":0.04102391252915064},{"text":"Off we go.","start":276.03,"end":276.93,"sentiment":"neutral","sentiment_score":0.05042491480708122},{"text":"House insurance came in and, of course, no one will bloody insurance around here because it floods every twelve years.","start":277.22998,"end":283.155,"sentiment":"neutral","sentiment_score":-0.12391737643629312}],"sentiment":"neutral","sentiment_score":-0.058686847853309965,"num_words":34,"start":272.66998,"end":283.155},{"sentences":[{"text":"And, you know, they might get a plug.","start":283.45502,"end":285.315,"sentiment":"neutral","sentiment_score":-0.05252196383662522},{"text":"And yeah.","start":286.015,"end":287.135,"sentiment":"neutral","sentiment_score":-0.031036531552672386},{"text":"And then there was something else come in and it's sort of like we've just bang and I thought, right, every little thing to help.","start":287.135,"end":293.075,"sentiment":"neutral","sentiment_score":-0.04174353152513504},{"text":"But, anyway, we'll sort that out.","start":294.17502,"end":295.71,"sentiment":"neutral","sentiment_score":0.03375563692922393},{"text":"Yeah.","start":299.78998,"end":300.28998,"sentiment":"neutral","sentiment_score":0.12386102974414824}],"sentiment":"neutral","sentiment_score":-0.02855814787160073,"num_words":42,"start":283.45502,"end":300.28998},{"sentences":[{"text":"That's fine.","start":300.35,"end":301.16998,"sentiment":"neutral","sentiment_score":0.18695656955242157},{"text":"Because I get $6.06 I get $660.20, and this is the short pay, but that's the same thing.","start":301.22998,"end":308.84998,"sentiment":"neutral","sentiment_score":0.047030440945592195},{"text":"And then I get $237.61 by the pension.","start":308.99,"end":316.01498,"sentiment":"neutral","sentiment_score":0.03889272874221206},{"text":"Mhmm.","start":341.13,"end":341.295,"sentiment":"neutral","sentiment_score":0.0005062809213995934},{"text":"Thank you.","start":383.06,"end":385.56,"sentiment":"positive","sentiment_score":0.3580271601676941}],"sentiment":"neutral","sentiment_score":0.07252140346193506,"num_words":31,"start":300.35,"end":385.56},{"sentences":[{"text":"You're Yes.","start":583.25,"end":607.2,"sentiment":"neutral","sentiment_score":0.24075587838888168},{"text":"Yep.","start":607.2,"end":607.52,"sentiment":"neutral","sentiment_score":0.16906005144119263},{"text":"That'll be fine.","start":607.52,"end":608.32,"sentiment":"neutral","sentiment_score":0.28677139679590863},{"text":"Thank you.","start":608.32,"end":609.06006,"sentiment":"positive","sentiment_score":0.5944974720478058},{"text":"Got 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fine.","start":637.39,"end":638.145,"sentiment":"neutral","sentiment_score":0.1349872387945652}],"sentiment":"neutral","sentiment_score":0.08752406388521194,"num_words":6,"start":635.87,"end":638.145},{"sentences":[{"text":"Yep.","start":639.185,"end":639.685,"sentiment":"neutral","sentiment_score":0.21331986784935},{"text":"Yep.","start":648.305,"end":648.805,"sentiment":"neutral","sentiment_score":0.17224478721618652},{"text":"Yeah.","start":649.185,"end":649.685,"sentiment":"neutral","sentiment_score":0.10764244198799132},{"text":"Mhmm.","start":650.72,"end":651.22,"sentiment":"neutral","sentiment_score":0.09257164597511292},{"text":"Yeah.","start":660.72,"end":661.04,"sentiment":"neutral","sentiment_score":0.029895830899477005}],"sentiment":"neutral","sentiment_score":0.12313491478562355,"num_words":5,"start":639.185,"end":661.04},{"sentences":[{"text":"No.","start":661.04,"end":661.19995,"sentiment":"neutral","sentiment_score":0.03246358036994934},{"text":"That's fine.","start":661.19995,"end":662.01996,"sentiment":"neutral","sentiment_score":0.05300920456647873},{"text":"No problem at all.","start":662.07996,"end":662.985,"sentiment":"neutral","sentiment_score":0.15367881208658218},{"text":"I think it's nice when something actually is easy to do.","start":666.58496,"end":669.805,"sentiment":"positive","sentiment_score":0.5377971638332714},{"text":"I mean, I just as you talk about, you know, the computers and that, I've been struggling at work tonight.","start":669.865,"end":675.565,"sentiment":"neutral","sentiment_score":-0.0005417159758508205}],"sentiment":"neutral","sentiment_score":0.1752139926446896,"num_words":38,"start":661.04,"end":675.565},{"sentences":[{"text":"It's just the, you know, just the system.","start":677.77,"end":680.41003,"sentiment":"neutral","sentiment_score":-0.004484279314056039},{"text":"We could use to them eventually, but sometimes you think, there must be an easier way.","start":680.41003,"end":684.75,"sentiment":"neutral","sentiment_score":-0.00835108500905335},{"text":"No worries.","start":698.745,"end":699.40497,"sentiment":"neutral","sentiment_score":0.17451032251119614},{"text":"Thank you.","start":699.625,"end":700.445,"sentiment":"neutral","sentiment_score":0.2827131003141403},{"text":"I'm done.","start":700.82495,"end":701.565,"sentiment":"neutral","sentiment_score":0.17815174162387848}],"sentiment":"neutral","sentiment_score":0.036708624474704264,"num_words":30,"start":677.77,"end":701.565},{"sentences":[{"text":"Yep.","start":715.38,"end":715.88,"sentiment":"neutral","sentiment_score":0.08529005944728851},{"text":"Not a 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that.","start":729.73505,"end":735.23,"sentiment":"neutral","sentiment_score":0.06503804328923042},{"text":"Yeah.","start":750.42505,"end":750.585,"sentiment":"neutral","sentiment_score":0.01847490482032299},{"text":"Do you wanna talk to him now?","start":750.585,"end":751.965,"sentiment":"neutral","sentiment_score":0.00972138558115278},{"text":"I want to last thing around here somewhere.","start":754.42505,"end":756.025,"sentiment":"neutral","sentiment_score":-0.020455474499613047}],"sentiment":"neutral","sentiment_score":0.07174186660228549,"num_words":37,"start":725.41504,"end":756.025},{"sentences":[{"text":"Hold on.","start":756.025,"end":756.42505,"sentiment":"neutral","sentiment_score":-0.030702151358127594},{"text":"I'll just go and get you.","start":756.42505,"end":757.78,"sentiment":"neutral","sentiment_score":-0.030495960265398026},{"text":"There's no use to hang out with this this or anything.","start":757.78,"end":759.94,"sentiment":"neutral","sentiment_score":-0.14390537616881457},{"text":"So you gotta go hit him on the head or something.","start":759.94,"end":762.36,"sentiment":"neutral","sentiment_score":-0.09125902097333562},{"text":"Hold on a second.","start":762.98,"end":763.8,"sentiment":"neutral","sentiment_score":-0.008163853315636516}],"sentiment":"neutral","sentiment_score":-0.0842307013569071,"num_words":34,"start":756.025,"end":763.8},{"sentences":[{"text":"He's on his way.","start":789.15,"end":790.02997,"sentiment":"neutral","sentiment_score":0.0839463658630848},{"text":"I'll just turn up the volume.","start":790.02997,"end":791.65,"sentiment":"neutral","sentiment_score":0.015159660950303078},{"text":"Yeah.","start":803.005,"end":803.245,"sentiment":"neutral","sentiment_score":0.04138392582535744},{"text":"That'd be good.","start":803.245,"end":803.965,"sentiment":"neutral","sentiment_score":0.06603540231784184},{"text":"I'll just move it into a a another account if that's alright.","start":803.965,"end":807.825,"sentiment":"neutral","sentiment_score":0.0253997507194678}],"sentiment":"neutral","sentiment_score":0.03734732963717901,"num_words":26,"start":789.15,"end":807.825},{"sentences":[{"text":"I'll give it to you now.","start":823.05,"end":824.305,"sentiment":"neutral","sentiment_score":0.05353921093046665},{"text":"Give us a sec.","start":824.445,"end":825.505,"sentiment":"neutral","sentiment_score":0.07384010590612888},{"text":"Well, it won't get across town with what's in the account.","start":831.485,"end":834.14496,"sentiment":"neutral","sentiment_score":-0.03510106608948924},{"text":"Mhmm.","start":845.34,"end":845.84,"sentiment":"neutral","sentiment_score":-0.009037157520651816},{"text":"Yep.","start":846.38,"end":846.88,"sentiment":"neutral","sentiment_score":-0.010462484322488308}],"sentiment":"neutral","sentiment_score":0.009173231320860594,"num_words":23,"start":823.05,"end":846.88},{"sentences":[{"text":"Radio.","start":847.9,"end":848.4,"sentiment":"neutral","sentiment_score":-0.03131724148988724},{"text":"Oh, just a big big?","start":852.14,"end":853.245,"sentiment":"neutral","sentiment_score":-0.09542122557759285},{"text":"Yes.","start":854.925,"end":855.425,"sentiment":"neutral","sentiment_score":0.014606568031013012},{"text":"You want the VSP is 484799, and the account is oh, hold on.","start":857.40497,"end":870.17,"sentiment":"neutral","sentiment_score":-0.0033709083039026996},{"text":"Phone just disappeared.","start":870.17,"end":871.23,"sentiment":"neutral","sentiment_score":-0.11209802329540253}],"sentiment":"neutral","sentiment_score":-0.03799707300799048,"num_words":23,"start":847.9,"end":871.23},{"sentences":[{"text":"It's 604 792 18 1.","start":875.29,"end":894.29504,"sentiment":"neutral","sentiment_score":0.00962969297543168},{"text":"That's right.","start":894.29504,"end":894.935,"sentiment":"neutral","sentiment_score":0.13177058100700378},{"text":"And still in c dang, KAAndrews, if you need that?","start":894.935,"end":898.07,"sentiment":"neutral","sentiment_score":0.0936633102595806},{"text":"Alright.","start":899.01,"end":899.51,"sentiment":"neutral","sentiment_score":0.1904715001583099},{"text":"Yep.","start":902.53,"end":903.03,"sentiment":"neutral","sentiment_score":0.058600395917892456}],"sentiment":"neutral","sentiment_score":0.07881024345069339,"num_words":19,"start":875.29,"end":903.03},{"sentences":[{"text":"No worries.","start":913.90497,"end":914.64496,"sentiment":"neutral","sentiment_score":0.18267689645290375},{"text":"Great.","start":914.785,"end":915.185,"sentiment":"positive","sentiment_score":0.5506778359413147},{"text":"Thank you very much for that.","start":915.185,"end":916.725,"sentiment":"positive","sentiment_score":0.7254104713598887},{"text":"I'll I'll put yes.","start":919.26495,"end":921.58496,"sentiment":"neutral","sentiment_score":0.17997155338525772},{"text":"No worries.","start":921.58496,"end":922.065,"sentiment":"neutral","sentiment_score":0.1176171600818634}],"sentiment":"positive","sentiment_score":0.41490766604741414,"num_words":15,"start":913.90497,"end":922.065},{"sentences":[{"text":"I'll put you on the call.","start":922.065,"end":923.25,"sentiment":"neutral","sentiment_score":0.1059569629530112},{"text":"Okay.","start":925.49,"end":925.97,"sentiment":"neutral","sentiment_score":0.254625529050827},{"text":"Take care.","start":925.97,"end":926.63,"sentiment":"positive","sentiment_score":0.3423038721084595},{"text":"Hello, Dana.","start":930.69,"end":931.59,"sentiment":"neutral","sentiment_score":0.07488904520869255},{"text":"Good.","start":934.05,"end":934.45,"sentiment":"neutral","sentiment_score":0.20758135616779327}],"sentiment":"neutral","sentiment_score":0.16102787479758263,"num_words":12,"start":922.065,"end":934.45},{"sentences":[{"text":"This is Terry with the deep voice.","start":934.45,"end":935.925,"sentiment":"neutral","sentiment_score":0.09891553968191147},{"text":"Colin John Andrews, fifteenth to the eighth 196310 Macarthur Street, Morey, New South Wales 24OO.","start":949.85004,"end":956.8301,"sentiment":"neutral","sentiment_score":0.034013980999588966},{"text":"Yep.","start":960.89,"end":961.21,"sentiment":"neutral","sentiment_score":0.07813645899295807},{"text":"No problem.","start":961.21,"end":961.935,"sentiment":"neutral","sentiment_score":0.21526869386434555},{"text":"Yep.","start":970.65497,"end":971.15497,"sentiment":"neutral","sentiment_score":0.15464630722999573}],"sentiment":"neutral","sentiment_score":0.07176687102764845,"num_words":26,"start":934.45,"end":971.15497},{"sentences":[{"text":"Yep.","start":973.455,"end":973.955,"sentiment":"neutral","sentiment_score":0.05373700708150864},{"text":"Yep.","start":975.775,"end":976.275,"sentiment":"neutral","sentiment_score":0.011810137890279291},{"text":"Sorry.","start":980.75995,"end":981.07996,"sentiment":"neutral","sentiment_score":-0.13343095779418945},{"text":"What was that?","start":981.07996,"end":981.98,"sentiment":"neutral","sentiment_score":-0.09325592468182246},{"text":"No.","start":989.07996,"end":989.16,"sentiment":"neutral","sentiment_score":-0.17162427306175232}],"sentiment":"neutral","sentiment_score":-0.0741822657042316,"num_words":7,"start":973.455,"end":989.16},{"sentences":[{"text":"No.","start":989.16,"end":989.39996,"sentiment":"neutral","sentiment_score":-0.14812380075454712},{"text":"I think I've I've put down the the we'd I'll be happy to go with the 300,000.","start":989.39996,"end":993.765,"sentiment":"neutral","sentiment_score":-0.01790639034965459},{"text":"Yeah.","start":995.905,"end":996.22504,"sentiment":"neutral","sentiment_score":-0.01091299019753933},{"text":"With no with no TPD.","start":996.22504,"end":997.765,"sentiment":"neutral","sentiment_score":-0.013585568964481353},{"text":"Just the just the life insurance, the 300,000 quote that you sent me.","start":997.905,"end":1002.245,"sentiment":"neutral","sentiment_score":0.04629401927097486}],"sentiment":"neutral","sentiment_score":0.0019040264541635642,"num_words":37,"start":989.16,"end":1002.245},{"sentences":[{"text":"Yeah.","start":1005.505,"end":1005.745,"sentiment":"neutral","sentiment_score":-0.013716272078454494},{"text":"No.","start":1005.745,"end":1005.98505,"sentiment":"neutral","sentiment_score":-0.03092230297625065},{"text":"That's alright.","start":1005.98505,"end":1006.5,"sentiment":"neutral","sentiment_score":0.01566549949347973},{"text":"That's correct.","start":1018.9,"end":1019.715,"sentiment":"neutral","sentiment_score":0.17943447828292847},{"text":"Yes.","start":1026.035,"end":1026.435,"sentiment":"neutral","sentiment_score":0.30124253034591675}],"sentiment":"neutral","sentiment_score":0.092400558692004,"num_words":7,"start":1005.505,"end":1026.435},{"sentences":[{"text":"Exact yeah.","start":1026.435,"end":1026.995,"sentiment":"neutral","sentiment_score":0.29977747797966003},{"text":"That's that's still a good benefit, and and I'm be able I'll be able to put that a pretty big amount back in the super then.","start":1026.995,"end":1033.38,"sentiment":"positive","sentiment_score":0.418852489728194},{"text":"Yep.","start":1035.3,"end":1035.8,"sentiment":"neutral","sentiment_score":0.1877652257680893},{"text":"Sorry.","start":1047.895,"end":1048.215,"sentiment":"neutral","sentiment_score":-0.0702429860830307},{"text":"Say again, mate.","start":1048.215,"end":1049.015,"sentiment":"neutral","sentiment_score":-0.05241574471195539}],"sentiment":"positive","sentiment_score":0.3469695361951987,"num_words":33,"start":1026.435,"end":1049.015},{"sentences":[{"text":"My ears are plain up.","start":1049.015,"end":1054.355,"sentiment":"neutral","sentiment_score":-0.11201863810420036},{"text":"Yep.","start":1055.415,"end":1055.915,"sentiment":"neutral","sentiment_score":-0.023300588130950928},{"text":"Yep.","start":1056.855,"end":1057.355,"sentiment":"neutral","sentiment_score":-0.005565447732806206},{"text":"Yeah.","start":1059.255,"end":1059.495,"sentiment":"neutral","sentiment_score":0.001989317126572132},{"text":"No.","start":1059.495,"end":1059.655,"sentiment":"neutral","sentiment_score":-0.037094056606292725}],"sentiment":"neutral","sentiment_score":-0.06934044065160884,"num_words":9,"start":1049.015,"end":1059.655},{"sentences":[{"text":"That's fine.","start":1059.655,"end":1060.475,"sentiment":"neutral","sentiment_score":0.01325245201587677},{"text":"Yep.","start":1060.615,"end":1060.9349,"sentiment":"neutral","sentiment_score":0.023897096514701843},{"text":"No.","start":1060.9349,"end":1061.095,"sentiment":"neutral","sentiment_score":0.0029087532311677933},{"text":"That's fine.","start":1061.095,"end":1061.575,"sentiment":"neutral","sentiment_score":0.07695325836539268},{"text":"Yep.","start":1061.575,"end":1061.91,"sentiment":"neutral","sentiment_score":0.1307491958141327}],"sentiment":"neutral","sentiment_score":0.04828092376036303,"num_words":7,"start":1059.655,"end":1061.91},{"sentences":[{"text":"Fantastic.","start":1069.5901,"end":1070.0901,"sentiment":"positive","sentiment_score":0.6976875066757202},{"text":"Yeah.","start":1070.39,"end":1070.7101,"sentiment":"positive","sentiment_score":0.39696022868156433},{"text":"Thank you.","start":1070.7101,"end":1071.4501,"sentiment":"positive","sentiment_score":0.48083870112895966},{"text":"Oh, it's been a bit here and there.","start":1075.1901,"end":1076.7101,"sentiment":"neutral","sentiment_score":0.027178696356713772},{"text":"I'm just just plodding along and doing it.","start":1076.7101,"end":1078.455,"sentiment":"neutral","sentiment_score":0.09267581254243851}],"sentiment":"neutral","sentiment_score":0.15075806044042112,"num_words":20,"start":1069.5901,"end":1078.455},{"sentences":[{"text":"I've up my hours, so I'm I'm slowly getting there.","start":1078.455,"end":1081.435,"sentiment":"neutral","sentiment_score":0.07427529506385326},{"text":"No.","start":1090.775,"end":1091.275,"sentiment":"neutral","sentiment_score":-0.03604205325245857},{"text":"No.","start":1093.9901,"end":1094.39,"sentiment":"neutral","sentiment_score":-0.060345761477947235},{"text":"I think we're covered now.","start":1094.39,"end":1095.67,"sentiment":"neutral","sentiment_score":0.000892619788646698},{"text":"I think that once we get that organized, I think that'll just make a big difference.","start":1095.67,"end":1099.8301,"sentiment":"neutral","sentiment_score":0.2707833822350949}],"sentiment":"neutral","sentiment_score":0.1510109803216024,"num_words":33,"start":1078.455,"end":1099.8301},{"sentences":[{"text":"And, yeah, now I'll be happy pretty well with that, mate.","start":1099.8301,"end":1103.51,"sentiment":"positive","sentiment_score":0.4292130998589776},{"text":"So, yeah, I can't think of anything else offhand.","start":1103.51,"end":1106.41,"sentiment":"neutral","sentiment_score":0.10398755139774746},{"text":"Beautiful.","start":1117.875,"end":1118.2749,"sentiment":"positive","sentiment_score":0.55545973777771},{"text":"Thank you so much.","start":1118.2749,"end":1119.15,"sentiment":"positive","sentiment_score":0.5741888582706451},{"text":"Yep.","start":1122.51,"end":1123.01,"sentiment":"neutral","sentiment_score":0.2967352569103241}],"sentiment":"positive","sentiment_score":0.3386993264922729,"num_words":26,"start":1099.8301,"end":1123.01},{"sentences":[{"text":"Yeah.","start":1124.91,"end":1125.15,"sentiment":"neutral","sentiment_score":0.2163742184638977},{"text":"You too, mate.","start":1125.15,"end":1125.7101,"sentiment":"neutral","sentiment_score":0.2761792441209157},{"text":"All the best of you and your family.","start":1125.7101,"end":1127.09,"sentiment":"positive","sentiment_score":0.4904564842581749},{"text":"Yep.","start":1128.1901,"end":1128.51,"sentiment":"neutral","sentiment_score":0.17115865647792816},{"text":"I I hope you're feeling better.","start":1128.51,"end":1130.27,"sentiment":"neutral","sentiment_score":0.0359532106667757}],"sentiment":"neutral","sentiment_score":0.28186535501950666,"num_words":19,"start":1124.91,"end":1130.27},{"sentences":[{"text":"I've been I get that sickness over.","start":1130.27,"end":1131.63,"sentiment":"negative","sentiment_score":-0.36805354271616253},{"text":"It's not fun.","start":1131.63,"end":1132.545,"sentiment":"negative","sentiment_score":-0.3774970471858978},{"text":"Yeah.","start":1136.625,"end":1137.125,"sentiment":"neutral","sentiment_score":-0.09077703952789308},{"text":"Oh, no.","start":1139.185,"end":1139.665,"sentiment":"neutral","sentiment_score":-0.14037614688277247},{"text":"That's it.","start":1139.665,"end":1140.0651,"sentiment":"neutral","sentiment_score":-0.16038654744625092}],"sentiment":"neutral","sentiment_score":-0.2934112245837847,"num_words":15,"start":1130.27,"end":1140.0651},{"sentences":[{"text":"It's well, no.","start":1140.0651,"end":1140.9451,"sentiment":"neutral","sentiment_score":-0.17463493843873343},{"text":"I don't know.","start":1140.9451,"end":1141.3451,"sentiment":"neutral","sentiment_score":-0.18832590182622275},{"text":"Whatever's going around down in this area, it's it's a hard one to shake.","start":1141.3451,"end":1144.785,"sentiment":"neutral","sentiment_score":-0.2087587139436177},{"text":"So just something in something in the air is upsetting a lot of people.","start":1144.785,"end":1149.1599,"sentiment":"negative","sentiment_score":-0.5209048406354019},{"text":"So, anyway, all the best.","start":1149.1599,"end":1153.34,"sentiment":"neutral","sentiment_score":-0.07088602967560291}],"sentiment":"neutral","sentiment_score":-0.2989385239302348,"num_words":39,"start":1140.0651,"end":1153.34},{"sentences":[{"text":"No no worries.","start":1156.0399,"end":1156.84,"sentiment":"neutral","sentiment_score":-0.056395056347052254},{"text":"Thanks so much.","start":1156.84,"end":1157.82,"sentiment":"positive","sentiment_score":0.7050115068753561},{"text":"Thanks, Dana.","start":1158.9199,"end":1159.72,"sentiment":"positive","sentiment_score":0.6051765382289886},{"text":"See you.","start":1159.72,"end":1160.5399,"sentiment":"neutral","sentiment_score":0.1466381847858429}],"sentiment":"positive","sentiment_score":0.34494787976145747,"num_words":10,"start":1156.0399,"end":1160.5399}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Harry speaking.\n\nChannel 0: Hi, Carrie. It's Dana from Oakey Financial. How are you this afternoon?\n\nChannel 1: Good. How are you? I've heard you been out.\n\nChannel 0: I was, unfortunately, today happily have more of a voice than I did the other day, but I do have water with me. Hope it's okay if you do hear me pause or start to get a bit croaky or tuck some water down my throat.\n\nChannel 1: Yeah.\n\nChannel 0: All good.\n\nChannel 1: No worries. Yeah. We all I managed to miss it, but everybody else in the family, it just you know, bad cough and things like that, and so hard\n\nChannel 0: Yeah.\n\nChannel 1: to shake.\n\nChannel 0: Absolutely. It's incredible. It's also to hit us a lot earlier this year than, you know, we would have expected. So\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: yeah. Crazy.\n\nChannel 1: No one's been in to get their flu needles or anything. Yeah.\n\nChannel 0: No. That's exactly right. Carrie, I had you booked in to have a bit of a chat about the TTR. I believe you had some questions for me. Before we jump into the call, I just wanna let you know we do record our calls for quality and training purposes.\n\nAre you okay with me to proceed with that?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep. Fantastic. And just to do security there, I am discussing your personal information. I'll just get you to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: It's Carrie Ann Andrews for the 04/02/1963.\n\nChannel 0: Yep.\n\nChannel 1: Do you\n\nChannel 0: Beautiful.\n\nChannel 1: know the address?\n\nChannel 0: Thank you. Yes, please. Yeah.\n\nChannel 1: 10 Macosit Street 48.\n\nChannel 0: Beautiful. Thank you so much for that. The note I have here mentions you wanted to talk about your TTR as for an email. But then I when I spoke to Colin the other day, he mentioned there was some something with your payslips. I'm not a 100% sure, so feel free to give me you know, what can I help you with, essentially?\n\nSorry.\n\nChannel 1: Yeah. No. There's no great drama.\n\nChannel 0: Yeah.\n\nChannel 1: I've the pension started,\n\nChannel 0: Yep.\n\nChannel 1: and then, unfortunately, I've only got one payslip that I could say, hey. Look. The rest\n\nChannel 0: Yeah.\n\nChannel 1: have got sick leave or holidays. But, yeah, per week, I'm down about $17 to what\n\nChannel 0: Okay.\n\nChannel 1: I was getting\n\nChannel 0: Okay.\n\nChannel 1: before.\n\nChannel 0: Okay. No. That's alright. It was sort of worked out on a yearly figure and was evened out that way. I could look to maybe just increase that pension payment a little bit for you if you'd like me to by that $17.\n\nOr do you because we had to even it out over the the course of the year because you get paid two different amounts each week, so we kind of couldn't work it out to to match up each individual week. So we had to work it out over a fortnight and then even it out across the year to make it even that way.\n\nChannel 1: Yeah. Well,\n\nChannel 0: But\n\nChannel 1: that's what I\n\nChannel 0: did\n\nChannel 1: thought. Round\n\nChannel 0: you\n\nChannel 1: up, round down, and that type of thing. Yeah.\n\nChannel 0: yeah. Yeah. So you've only had technically one payment. How does it look over the fortnight at the moment?\n\nChannel 1: Yeah. Yeah. Nice. So I've had yeah. I've got the second payment on Monday.\n\nChannel 0: Okay. Yep. Perfect.\n\nChannel 1: So when yeah. So if it comes in, I'd transfer it over to where I need it. I probably should've if we're going to change it, I will change which account I put in.\n\nChannel 0: Yeah. That's\n\nChannel 1: Because\n\nChannel 0: okay.\n\nChannel 1: it it's\n\nChannel 0: That's\n\nChannel 1: going\n\nChannel 0: alright.\n\nChannel 1: into the slash fund, and it'll probably easily disappear.\n\nChannel 0: Yep.\n\nChannel 1: So yeah. And then I just transfer it over to where I need\n\nChannel 0: Yep.\n\nChannel 1: it to be and we go along as usual.\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: No. That's alright.\n\nChannel 1: and,\n\nChannel 0: So\n\nChannel 1: like,\n\nChannel 0: have\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: know\n\nChannel 0: had a\n\nChannel 1: 7 inch dollars is is not not a lot, but just\n\nChannel 0: Yeah.\n\nChannel 1: a present. It would be handy.\n\nChannel 0: Yeah. Of course. Absolutely. So have you had a full fortnight with two incomes from work, or has there only been one income from work and one for the pension payment thus far?\n\nChannel 1: No. Two pay I had Monday, fortnight ago, the pay come in, got\n\nChannel 0: Yep.\n\nChannel 1: the pay that the people was in the next one. And then this Monday, I got another pay in like, I've had the pay in between. So I had\n\nChannel 0: Mhmm.\n\nChannel 1: one\n\nChannel 0: Okay.\n\nChannel 1: fortnightly pay, which I split in half and moved around and sort of I'm just putting half over to the side so that I've got it there for the second week. You know?\n\nChannel 0: Yep. Yep.\n\nChannel 1: But, yeah, no. That's that's you know, it's working\n\nChannel 0: Yep. No. That's okay. Did you want me to look at\n\nChannel 1: fine.\n\nChannel 0: maybe trying to increase that by that $17 to see if we can get this a little bit more drawn down for you, or did you wanna see how it works over the first couple of month month or two to see whether it's gonna work out correctly for you or whether you're missing that? What are you sort of thinking?\n\nChannel 1: I would I know it sounds minor, but I\n\nChannel 0: Yep.\n\nChannel 1: would like to have that $17 if I could. We've just had one of those months. I thought, right. I'm getting a new kitchen. Paid the deposit.\n\nOff we go.\n\nChannel 0: Yep.\n\nChannel 1: House insurance\n\nChannel 0: Yep.\n\nChannel 1: came in and, of course, no one will bloody insurance around\n\nChannel 0: I\n\nChannel 1: here because it floods\n\nChannel 0: don't\n\nChannel 1: every\n\nChannel 0: know.\n\nChannel 1: twelve years. And, you know,\n\nChannel 0: Yeah.\n\nChannel 1: they might get a plug.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: No.\n\nChannel 1: yeah.\n\nChannel 0: That's\n\nChannel 1: And\n\nChannel 0: okay.\n\nChannel 1: then there was something else come in and it's sort of like we've just bang and I thought, right, every little thing to help.\n\nChannel 0: Yep. Yes.\n\nChannel 1: But,\n\nChannel 0: No.\n\nChannel 1: anyway,\n\nChannel 0: That's okay.\n\nChannel 1: we'll\n\nChannel 0: And\n\nChannel 1: sort that\n\nChannel 0: it's\n\nChannel 1: out.\n\nChannel 0: $17.17 dollars per fortnight. Is that what you're after?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep.\n\nChannel 1: Because\n\nChannel 0: Yep.\n\nChannel 1: I\n\nChannel 0: That's\n\nChannel 1: get\n\nChannel 0: okay.\n\nChannel 1: $6.06 I get $660.20, and this is the short pay, but\n\nChannel 0: Mhmm.\n\nChannel 1: that's the\n\nChannel 0: Yes.\n\nChannel 1: same thing. And then\n\nChannel 0: Yeah.\n\nChannel 1: I get $237.61 by\n\nChannel 0: Okay. No. That's alright.\n\nChannel 1: the\n\nChannel 0: What\n\nChannel 1: pension.\n\nChannel 0: I'll do is I just need to go back and have a quick look to see how we best do that for you, whether we maybe do it as a transaction without advice and just make that increase there, or we go back and just see if we can adjust the advice piece a little bit. I'm just having a quick look here to see what the pension maximum is versus what we're taking it to see what kind of space we have additional to draw\n\nChannel 1: Mhmm.\n\nChannel 0: that out from. So let's go Five. Okay. So we're doing $4.07 $5.22 per fortnight there, and that comes up by '26. So we're drawing out $12.03 $5.05 and 72, and the maximum annual pension based on this is 27,000.\n\nSo then if you want for the $17, that's just an extra 442 for the year. That's okay. Can I just put you on a really quick hold for one second? I'll just gonna check something. It won't be a moment.\n\nPerfect.\n\nChannel 1: Thank\n\nChannel 0: Won't be a second.\n\nChannel 1: you.\n\nChannel 0: Hi, Carrie. Thank you so much for holding. I'm so sorry about the delay.\n\nChannel 1: You're\n\nChannel 0: All good. I was just having a really good look at everything for you. So what we'll do, you do have plenty of space there because the annual maximum pension, as I said, is 27,087 and 49 for the year. That's the 10% per the rollover amount, which is cool. We're only drawing down about 12,000 at the moment.\n\nSo you just wanna increase that by about $17 per fortnight.\n\nChannel 1: Yes. Yep. That'll be\n\nChannel 0: Yep.\n\nChannel 1: fine. Thank\n\nChannel 0: Per\n\nChannel 1: you.\n\nChannel 0: perfect. So we can essentially amend this online to make it nice and easier so your next pension payment is due. Sorry. This is a little bit slow this afternoon. I love technology when it wants to work.\n\nOur next pension payment is the sixth of the fourth day, so we\n\nChannel 1: Got\n\nChannel 0: should be right to have that amended for the next pension payment down for you. We just\n\nChannel 1: it.\n\nChannel 0: need to do it as a transaction without advice so that it's done nice and easy. Are you comfortable with that, not sort of receiving a whole new advice piece? You're just comfortable\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: with the\n\nChannel 1: Yeah.\n\nChannel 0: direction\n\nChannel 1: That's\n\nChannel 0: of\n\nChannel 1: fine.\n\nChannel 0: amending that? Yep.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. It just means it'll be an extra $4.42 for the year, which is absolutely fine. And then, again, we'll just keep reviewing things moving forward. So yeah. All good.\n\nChannel 1: Yep.\n\nChannel 0: We'll\n\nChannel 1: Yeah.\n\nChannel 0: just send out a document for you\n\nChannel 1: Mhmm.\n\nChannel 0: to sign. I'll get that ready this afternoon for you. Once you've signed and returned that back, we'll just have that pension payment amended for your next one for you. Is that okay?\n\nChannel 1: Yeah. No. That's fine. No problem\n\nChannel 0: Yep.\n\nChannel 1: at\n\nChannel 0: Perfect.\n\nChannel 1: all.\n\nChannel 0: Nice easy fix. I love that. That's fantastic.\n\nChannel 1: I think it's nice when something actually is easy to do. I mean,\n\nChannel 0: Yeah.\n\nChannel 1: I just as you talk about, you know, the computers and that, I've been struggling at\n\nChannel 0: Yeah.\n\nChannel 1: work tonight.\n\nChannel 0: Oh, no.\n\nChannel 1: It's\n\nChannel 0: Oh,\n\nChannel 1: just\n\nChannel 0: that's\n\nChannel 1: the, you know, just the system.\n\nChannel 0: yeah.\n\nChannel 1: We could use to\n\nChannel 0: Yeah.\n\nChannel 1: them eventually, but sometimes you think, there must be an easier way.\n\nChannel 0: Yeah. No. Absolutely. It's not a problem at all. I'll get that transaction with that advice done up.\n\nI'll send it through to you very shortly so you can sign and return it back, and then we'll be able to go in and amend that pension payment amount for you.\n\nChannel 1: No worries. Thank you.\n\nChannel 0: Okay?\n\nChannel 1: I'm\n\nChannel 0: Easy.\n\nChannel 1: done.\n\nChannel 0: Not a not a problem at all. I will just double check with Hub to make sure that there's no that there's no need for a form or if there is any particular form we need to have completed, I'll make sure we get that sorted for you. Okay?\n\nChannel 1: Yep. Not a problem.\n\nChannel 0: Beautiful. Do you have any other questions or anything else you might need for me at the moment? Or\n\nChannel 1: No. No. This seems to be working\n\nChannel 0: Yep.\n\nChannel 1: fine. And,\n\nChannel 0: Beautiful.\n\nChannel 1: yeah, we've there've been no issues really. So it's just\n\nChannel 0: Yeah.\n\nChannel 1: being aware that, yeah, you know, move that move that.\n\nChannel 0: Absolutely. No. Completely understandable. It's all good. Very easy to sort out.\n\nNot a problem at all. I'll get that done for you. I do believe Colin asked me to give him a call when he's available. Is he available this afternoon anytime? Do you know?\n\nChannel 1: Yeah. Do you wanna talk to him now?\n\nChannel 0: If he's available, yeah.\n\nChannel 1: I want to last thing around here somewhere. Hold on. I'll just go and get you. There's no use\n\nChannel 0: Sure.\n\nChannel 1: to hang out with this this or anything. So you gotta go hit him on the head or something. Hold on a second.\n\nChannel 0: You're right.\n\nChannel 1: He's on his way. I'll just turn\n\nChannel 0: Yep.\n\nChannel 1: up the volume.\n\nChannel 0: No. That's okay. I'm also just having a look at the forms here, Carrie. Did you want me to amend the bank account that that's being paid to? I can do up a new bank account nomination form whilst I'm doing this for you if you like.\n\nChannel 1: Yeah. That'd be good. I'll just move it into a a another account if that's alright.\n\nChannel 0: Yeah. That's absolutely fine. What I can do, I can, grab the bank account information off you if you've got it there on you at all. Are you okay giving that to me now, or did you wanna email it through? What's your preferred?\n\nChannel 1: I'll give it to you now. Give\n\nChannel 0: Yeah.\n\nChannel 1: us a\n\nChannel 0: Beautiful.\n\nChannel 1: sec.\n\nChannel 0: That's okay. I'm just gonna turn the recording off for you just because we don't wanna record any bank account information.\n\nChannel 1: Well, it won't get across town with what's in the account.\n\nChannel 0: I'm just gonna turn it off now, and you'll just hear a little you should just hear a little beep. Okay?\n\nChannel 1: Mhmm. Yep. Radio.\n\nChannel 0: Did anything sorta come up at all?\n\nChannel 1: Oh, just a big big?\n\nChannel 0: Yeah.\n\nChannel 1: Yes. You want the VSP\n\nChannel 0: Yes, please.\n\nChannel 1: is 484799,\n\nChannel 0: Yep.\n\nChannel 1: and the account is oh, hold on. Phone just disappeared. It's 604\n\nChannel 0: Yep.\n\nChannel 1: 792\n\nChannel 0: Mhmm.\n\nChannel 1: 18\n\nChannel 0: Beautiful. All good. So I'll just read it back to you just to confirm. It's VSP 484799. Account number, 604792181.\n\nChannel 1: 1. That's right. And still\n\nChannel 0: Beautiful.\n\nChannel 1: in c dang, KAAndrews, if you need\n\nChannel 0: Yep.\n\nChannel 1: that?\n\nChannel 0: Perfect.\n\nChannel 1: Alright.\n\nChannel 0: So same as the last one. And Colin\n\nChannel 1: Yep.\n\nChannel 0: Andrews. Beautiful. Not a problem. I'll get the new bank account nomination form done up so we can have that altered for you as well. We may as well do that before the next pension payment's due to make it nice and easy for you.\n\nOkay?\n\nChannel 1: No worries. Great.\n\nChannel 0: Fantastic.\n\nChannel 1: Thank you very much for that.\n\nChannel 0: That's okay. It's not a problem at all. I'm just\n\nChannel 1: I'll\n\nChannel 0: sending\n\nChannel 1: I'll put\n\nChannel 0: the recording back on as well.\n\nChannel 1: yes. No worries. I'll put you on\n\nChannel 0: Yep.\n\nChannel 1: the call.\n\nChannel 0: Oh, thanks so much.\n\nChannel 1: Okay. Take care.\n\nChannel 0: Thanks, Carrie. Talk to you soon.\n\nChannel 1: Hello, Dana.\n\nChannel 0: Hey, Cole. How are you?\n\nChannel 1: Good. This is Terry with the deep voice.\n\nChannel 0: You sound so different. Cole, because I am now discussing your personal information, I just need to acknowledge the security with yourself there. If you can confirm your full name, date of birth, and address for me.\n\nChannel 1: Colin John Andrews, fifteenth to the eighth\n\nChannel 0: Yep.\n\nChannel 1: 196310 Macarthur Street, Morey, New South Wales\n\nChannel 0: Beautiful.\n\nChannel 1: 24OO.\n\nChannel 0: And this call will be recorded moving forward. You're comfortable with that?\n\nChannel 1: Yep. No problem.\n\nChannel 0: Beautiful. All good. I got your email here. So you've had a really good look at the quotes and had a good chat to Carrie about, you know, what you're comfortable with if\n\nChannel 1: Yep.\n\nChannel 0: if in the event you were to pass away or become\n\nChannel 1: Yep.\n\nChannel 0: totally permanently disabled.\n\nChannel 1: Yep.\n\nChannel 0: And it mentions that you're kind of happy to cancel that. Is that right?\n\nChannel 1: Sorry. What was that?\n\nChannel 0: You're happy to go ahead and cancel the life and TPD? You're not sort of wanting to keep those moving forward?\n\nChannel 1: No. No. I think I've I've put down the the we'd I'll be happy to go with the 300,000.\n\nChannel 0: Oh, did you I'm so sorry. I'm mostly\n\nChannel 1: Yeah.\n\nChannel 0: looking at\n\nChannel 1: With\n\nChannel 0: the\n\nChannel 1: no\n\nChannel 0: wrong one.\n\nChannel 1: with no\n\nChannel 0: Oh,\n\nChannel 1: TPD.\n\nChannel 0: I\n\nChannel 1: Just\n\nChannel 0: am.\n\nChannel 1: the\n\nChannel 0: I'm\n\nChannel 1: just the life\n\nChannel 0: yeah.\n\nChannel 1: insurance,\n\nChannel 0: That's okay.\n\nChannel 1: the 300,000 quote that you sent me.\n\nChannel 0: Yeah. No. All good. Sorry. I'm looking at the last email.\n\nI do apologize about\n\nChannel 1: Yeah.\n\nChannel 0: that.\n\nChannel 1: No. That's alright.\n\nChannel 0: No. It's all good, sir. All good. So we'll go with the 300,000 coverage. So reducing the canceling the TBD and reducing loss to 300,000, is that the right way?\n\nChannel 1: That's correct.\n\nChannel 0: Yep. Perfect. That makes it so much cheaper, and then you still get that benefit if anything was to happen there. So\n\nChannel 1: Yes.\n\nChannel 0: yeah.\n\nChannel 1: Exact yeah. That's that's still a good benefit, and and I'm be able I'll be able to put that a pretty big amount back in the super then.\n\nChannel 0: Yeah. Yeah. Absolutely. Absolutely.\n\nChannel 1: Yep.\n\nChannel 0: No. Not a problem at all. Perfect. Well, we will go forward the research and get that completed for you. I am away over the Easter break, so it'll probably be when I come back that we get that presented.\n\nIs that okay?\n\nChannel 1: Sorry. Say again, mate. My ears\n\nChannel 0: Yeah. No. It's\n\nChannel 1: are\n\nChannel 0: okay. I'll\n\nChannel 1: plain\n\nChannel 0: be away from the\n\nChannel 1: up.\n\nChannel 0: end of next week for until\n\nChannel 1: Yep.\n\nChannel 0: the thirteenth. It'll\n\nChannel 1: Yep.\n\nChannel 0: be a little bit after that that we have the advice ready\n\nChannel 1: Yeah.\n\nChannel 0: to go.\n\nChannel 1: No. That's\n\nChannel 0: Is that\n\nChannel 1: fine.\n\nChannel 0: okay?\n\nChannel 1: Yep.\n\nChannel 0: Yeah?\n\nChannel 1: No. That's fine. Yep.\n\nChannel 0: Beautiful. Not a problem at all. We'll get cracking on the research for you. And when I come back, we'll have it ready to go to make it nice and easy. Okay?\n\nChannel 1: Fantastic. Yeah. Thank\n\nChannel 0: Oh,\n\nChannel 1: you.\n\nChannel 0: that's okay. Not a problem at all. How's your week been?\n\nChannel 1: Oh, it's been a bit here and there. I'm just just plodding along and doing it. I've up my hours, so I'm I'm slowly getting there.\n\nChannel 0: Yes. Perfect. All good. All good. All good to hear.\n\nIs there any other questions or any concerns or anything that yourself or Carrie had\n\nChannel 1: No.\n\nChannel 0: that you wanted to chat about or you're all good? Does that\n\nChannel 1: No. I think we're covered now. I think that\n\nChannel 0: yes.\n\nChannel 1: once we get that organized, I think that'll just make a big difference. And,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, now I'll be happy pretty well with\n\nChannel 0: Yep.\n\nChannel 1: that, mate. So, yeah,\n\nChannel 0: Absolutely.\n\nChannel 1: I can't think of anything else offhand.\n\nChannel 0: Yep. No. That's okay. Not a problem at all. Beautiful.\n\nI'll get cracking on that foi. If there's anything else you need, please don't ever hesitate. Let me know, and I'll definitely jump in, try to get it sorted for as quickly as I can. Easy.\n\nChannel 1: Beautiful. Thank you so much.\n\nChannel 0: No worries, though. You have a lovely afternoon. Thank you so much.\n\nChannel 1: Yep.\n\nChannel 0: I hope you guys have a great Easter.\n\nChannel 1: Yeah. You too, mate. All the best of you and your family.\n\nChannel 0: Will do. Thanks\n\nChannel 1: Yep.\n\nChannel 0: so\n\nChannel 1: I\n\nChannel 0: much. You\n\nChannel 1: I\n\nChannel 0: too.\n\nChannel 1: hope you're feeling better. I've been I get that sickness over. It's not fun.\n\nChannel 0: Oh, so much. I even sound a lot better today, but, yeah,\n\nChannel 1: Yeah.\n\nChannel 0: hopefully, we don't get anything else.\n\nChannel 1: Oh, no. That's it. It's well, no. I don't know. Whatever's going around down in this area, it's it's a hard one to shake.\n\nSo\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: just something in something in the air is upsetting a lot of people. So,\n\nChannel 0: Absolutely. Absolutely.\n\nChannel 1: anyway,\n\nChannel 0: No.\n\nChannel 1: all the best.\n\nChannel 0: Oh, good. Thanks so much, Cole. Have a great weekend. I'll\n\nChannel 1: No\n\nChannel 0: talk\n\nChannel 1: no\n\nChannel 0: to you\n\nChannel 1: worries.\n\nChannel 0: soon.\n\nChannel 1: Thanks so much.\n\nChannel 0: See you later. Bye.\n\nChannel 1: Thanks, Dana. See you.","paragraphs":[{"sentences":[{"text":"Harry speaking.","start":0.88,"end":1.78,"sentiment":"neutral","sentiment_score":0.020361733622848988}],"sentiment":"neutral","sentiment_score":0.020361733622848988,"channel":1,"num_words":2,"start":0.88,"end":1.78},{"sentences":[{"text":"Hi, Carrie.","start":3.36,"end":4.0,"sentiment":"neutral","sentiment_score":0.1256474182009697},{"text":"It's Dana from Oakey Financial.","start":4.0,"end":5.52,"sentiment":"neutral","sentiment_score":0.1735470026731491},{"text":"How are you this afternoon?","start":5.52,"end":6.74,"sentiment":"neutral","sentiment_score":0.23954480588436128}],"sentiment":"neutral","sentiment_score":0.19306282326579094,"channel":0,"num_words":12,"start":3.36,"end":6.74},{"sentences":[{"text":"Good.","start":7.04,"end":7.52,"sentiment":"positive","sentiment_score":0.4472888112068176},{"text":"How are you?","start":7.52,"end":8.0,"sentiment":"neutral","sentiment_score":0.2675846517086029},{"text":"I've heard you been out.","start":8.0,"end":9.3,"sentiment":"neutral","sentiment_score":0.010023747384548188}],"sentiment":"neutral","sentiment_score":0.14446238925059637,"channel":1,"num_words":9,"start":7.04,"end":9.3},{"sentences":[{"text":"I was, unfortunately, today happily have more of a voice than I did the other day, but I do have water with me.","start":9.679999,"end":15.28,"sentiment":"neutral","sentiment_score":-0.0864517865297587},{"text":"Hope it's okay if you do hear me pause or start to get a bit croaky or tuck some water down my throat.","start":15.28,"end":21.265,"sentiment":"neutral","sentiment_score":-0.1496075152055077}],"sentiment":"neutral","sentiment_score":-0.1180296508676332,"channel":0,"num_words":46,"start":9.679999,"end":21.265},{"sentences":[{"text":"Yeah.","start":21.775,"end":22.095,"sentiment":"neutral","sentiment_score":0.14012986421585083}],"sentiment":"neutral","sentiment_score":0.14012986421585083,"channel":1,"num_words":1,"start":21.775,"end":22.095},{"sentences":[{"text":"All good.","start":21.805,"end":22.385,"sentiment":"neutral","sentiment_score":0.24949965626001358}],"sentiment":"neutral","sentiment_score":0.24949965626001358,"channel":0,"num_words":2,"start":21.805,"end":22.385},{"sentences":[{"text":"No worries.","start":22.095,"end":22.835,"sentiment":"neutral","sentiment_score":0.06464343145489693},{"text":"Yeah.","start":23.134998,"end":23.455,"sentiment":"neutral","sentiment_score":-0.005388373509049416},{"text":"We all I managed to miss it, but everybody else in the family, it just you know, bad cough and things like that, and so hard","start":23.455,"end":30.67,"sentiment":"neutral","sentiment_score":-0.23369868157001641}],"sentiment":"neutral","sentiment_score":-0.2052505941868856,"channel":1,"num_words":29,"start":22.095,"end":30.67},{"sentences":[{"text":"Yeah.","start":30.529999,"end":31.029999,"sentiment":"neutral","sentiment_score":-0.08641067892313004}],"sentiment":"neutral","sentiment_score":-0.08641067892313004,"channel":0,"num_words":1,"start":30.529999,"end":31.029999},{"sentences":[{"text":"to shake.","start":30.67,"end":31.41,"sentiment":"neutral","sentiment_score":-0.07320906221866608}],"sentiment":"neutral","sentiment_score":-0.07320906221866608,"channel":1,"num_words":2,"start":30.67,"end":31.41},{"sentences":[{"text":"Absolutely.","start":31.89,"end":32.39,"sentiment":"neutral","sentiment_score":0.21871182322502136},{"text":"It's incredible.","start":32.77,"end":33.51,"sentiment":"positive","sentiment_score":0.3909842520952225},{"text":"It's also to hit us a lot earlier this year than, you know, we would have expected.","start":33.649998,"end":37.27,"sentiment":"neutral","sentiment_score":0.011555218302151737},{"text":"So","start":37.489998,"end":37.989998,"sentiment":"neutral","sentiment_score":0.008239775896072388}],"sentiment":"neutral","sentiment_score":0.057398038783243725,"channel":0,"num_words":21,"start":31.89,"end":37.989998},{"sentences":[{"text":"Yeah.","start":38.03,"end":38.53,"sentiment":"neutral","sentiment_score":-0.025290122255682945},{"text":"Yeah.","start":38.59,"end":39.09,"sentiment":"neutral","sentiment_score":-0.06478466093540192}],"sentiment":"neutral","sentiment_score":-0.04503739159554243,"channel":1,"num_words":2,"start":38.03,"end":39.09},{"sentences":[{"text":"yeah.","start":38.61,"end":39.11,"sentiment":"neutral","sentiment_score":-0.10444733500480652},{"text":"Crazy.","start":39.41,"end":39.91,"sentiment":"neutral","sentiment_score":-0.23113754391670227}],"sentiment":"neutral","sentiment_score":-0.1677924394607544,"channel":0,"num_words":2,"start":38.61,"end":39.91},{"sentences":[{"text":"No one's been in to get their flu needles or anything.","start":39.47,"end":42.11,"sentiment":"neutral","sentiment_score":-0.3287062509493394},{"text":"Yeah.","start":42.11,"end":42.61,"sentiment":"neutral","sentiment_score":-0.022571463137865067}],"sentiment":"neutral","sentiment_score":-0.30319501863171655,"channel":1,"num_words":12,"start":39.47,"end":42.61},{"sentences":[{"text":"No.","start":42.675,"end":43.175,"sentiment":"neutral","sentiment_score":-0.03752589225769043},{"text":"That's exactly right.","start":43.235,"end":44.775,"sentiment":"neutral","sentiment_score":0.09748789668083191},{"text":"Carrie, I had you booked in to have a bit of a chat about the TTR.","start":45.395,"end":48.355,"sentiment":"neutral","sentiment_score":0.03554139053449035},{"text":"I believe you had some questions for me.","start":48.355,"end":50.695,"sentiment":"neutral","sentiment_score":0.02104906109161675},{"text":"Before we jump into the call, I just wanna let you know we do record our calls for quality and training purposes.","start":50.835,"end":55.735,"sentiment":"neutral","sentiment_score":0.02374900843609463}],"sentiment":"neutral","sentiment_score":0.030289414413273333,"channel":0,"num_words":50,"start":42.675,"end":55.735},{"sentences":[{"text":"Are you okay with me to proceed with that?","start":57.02,"end":58.960003,"sentiment":"neutral","sentiment_score":0.023198232882552676}],"sentiment":"neutral","sentiment_score":0.023198232882552676,"channel":0,"num_words":9,"start":57.02,"end":58.960003},{"sentences":[{"text":"Yeah.","start":59.019997,"end":59.34,"sentiment":"neutral","sentiment_score":0.06180226802825928},{"text":"That's fine.","start":59.34,"end":60.079998,"sentiment":"neutral","sentiment_score":0.11763353645801544}],"sentiment":"neutral","sentiment_score":0.09902311364809673,"channel":1,"num_words":3,"start":59.019997,"end":60.079998},{"sentences":[{"text":"Yep.","start":60.38,"end":60.780003,"sentiment":"neutral","sentiment_score":0.17978334426879883},{"text":"Fantastic.","start":60.780003,"end":61.280003,"sentiment":"positive","sentiment_score":0.45020270347595215},{"text":"And just to do security there, I am discussing your personal information.","start":61.58,"end":64.46,"sentiment":"neutral","sentiment_score":0.132981409629186},{"text":"I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start":64.46,"end":68.32,"sentiment":"neutral","sentiment_score":0.10212489925324916}],"sentiment":"neutral","sentiment_score":0.1255370867164696,"channel":0,"num_words":34,"start":60.38,"end":68.32},{"sentences":[{"text":"It's Carrie Ann Andrews for the 04/02/1963.","start":68.7,"end":73.985,"sentiment":"neutral","sentiment_score":0.051753423043659756}],"sentiment":"neutral","sentiment_score":0.051753423043659756,"channel":1,"num_words":7,"start":68.7,"end":73.985},{"sentences":[{"text":"Yep.","start":74.455,"end":74.775,"sentiment":"neutral","sentiment_score":0.05633918568491936}],"sentiment":"neutral","sentiment_score":0.05633918568491936,"channel":0,"num_words":1,"start":74.455,"end":74.775},{"sentences":[{"text":"Do you","start":74.604996,"end":74.845,"sentiment":"neutral","sentiment_score":0.06837232783436775}],"sentiment":"neutral","sentiment_score":0.06837232783436775,"channel":1,"num_words":2,"start":74.604996,"end":74.845},{"sentences":[{"text":"Beautiful.","start":74.775,"end":75.255005,"sentiment":"neutral","sentiment_score":0.12703238427639008}],"sentiment":"neutral","sentiment_score":0.12703238427639008,"channel":0,"num_words":1,"start":74.775,"end":75.255005},{"sentences":[{"text":"know the address?","start":74.845,"end":75.665,"sentiment":"neutral","sentiment_score":0.059119646747907005}],"sentiment":"neutral","sentiment_score":0.059119646747907005,"channel":1,"num_words":3,"start":74.845,"end":75.665},{"sentences":[{"text":"Thank you.","start":75.255005,"end":76.075005,"sentiment":"neutral","sentiment_score":0.1575343906879425},{"text":"Yes, please.","start":76.135,"end":76.775,"sentiment":"neutral","sentiment_score":0.06597534567117691},{"text":"Yeah.","start":76.775,"end":77.275,"sentiment":"neutral","sentiment_score":0.030430704355239868}],"sentiment":"neutral","sentiment_score":0.09549003541469574,"channel":0,"num_words":5,"start":75.255005,"end":77.275},{"sentences":[{"text":"10 Macosit Street 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yeah,","start":1134.22,"end":1136.86,"sentiment":"neutral","sentiment_score":-0.05058163570033179}],"sentiment":"neutral","sentiment_score":-0.06422718241810799,"channel":0,"num_words":12,"start":1132.38,"end":1136.86},{"sentences":[{"text":"Yeah.","start":1136.625,"end":1137.125,"sentiment":"neutral","sentiment_score":-0.09077703952789308}],"sentiment":"neutral","sentiment_score":-0.09077703952789308,"channel":1,"num_words":1,"start":1136.625,"end":1137.125},{"sentences":[{"text":"hopefully, we don't get anything else.","start":1136.86,"end":1138.6399,"sentiment":"neutral","sentiment_score":-0.15729750196139017}],"sentiment":"neutral","sentiment_score":-0.15729750196139017,"channel":0,"num_words":6,"start":1136.86,"end":1138.6399},{"sentences":[{"text":"Oh, no.","start":1139.185,"end":1139.665,"sentiment":"neutral","sentiment_score":-0.14037614688277247},{"text":"That's it.","start":1139.665,"end":1140.0651,"sentiment":"neutral","sentiment_score":-0.16038654744625092},{"text":"It's well, no.","start":1140.0651,"end":1140.9451,"sentiment":"neutral","sentiment_score":-0.17463493843873343},{"text":"I don't know.","start":1140.9451,"end":1141.3451,"sentiment":"neutral","sentiment_score":-0.18832590182622275},{"text":"Whatever's going around down in this area, it's it's a hard one to shake.","start":1141.3451,"end":1144.785,"sentiment":"neutral","sentiment_score":-0.2087587139436177}],"sentiment":"neutral","sentiment_score":-0.1922095793609818,"channel":1,"num_words":24,"start":1139.185,"end":1144.785},{"sentences":[{"text":"So","start":1144.785,"end":1145.285,"sentiment":"neutral","sentiment_score":-0.07497301697731018}],"sentiment":"neutral","sentiment_score":-0.07497301697731018,"channel":1,"num_words":1,"start":1144.785,"end":1145.285},{"sentences":[{"text":"Yeah.","start":1145.875,"end":1146.375,"sentiment":"neutral","sentiment_score":-0.038359448313713074},{"text":"Yeah.","start":1146.4349,"end":1146.9349,"sentiment":"neutral","sentiment_score":-0.04506818577647209}],"sentiment":"neutral","sentiment_score":-0.04171381704509258,"channel":0,"num_words":2,"start":1145.875,"end":1146.9349},{"sentences":[{"text":"just something in something in the air is upsetting a lot of people.","start":1146.9199,"end":1149.1599,"sentiment":"negative","sentiment_score":-0.5552072886091012},{"text":"So,","start":1149.1599,"end":1149.6599,"sentiment":"neutral","sentiment_score":-0.12750592827796936}],"sentiment":"negative","sentiment_score":-0.5246571914425918,"channel":1,"num_words":14,"start":1146.9199,"end":1149.6599},{"sentences":[{"text":"Absolutely.","start":1149.875,"end":1150.375,"sentiment":"neutral","sentiment_score":0.013025801628828049},{"text":"Absolutely.","start":1151.315,"end":1151.815,"sentiment":"neutral","sentiment_score":0.017035584896802902}],"sentiment":"neutral","sentiment_score":0.015030693262815475,"channel":0,"num_words":2,"start":1149.875,"end":1151.815},{"sentences":[{"text":"anyway,","start":1151.88,"end":1152.38,"sentiment":"neutral","sentiment_score":-0.0035430584102869034}],"sentiment":"neutral","sentiment_score":-0.0035430584102869034,"channel":1,"num_words":1,"start":1151.88,"end":1152.38},{"sentences":[{"text":"No.","start":1152.355,"end":1152.855,"sentiment":"neutral","sentiment_score":-0.12379252910614014}],"sentiment":"neutral","sentiment_score":-0.12379252910614014,"channel":0,"num_words":1,"start":1152.355,"end":1152.855},{"sentences":[{"text":"all the best.","start":1152.44,"end":1153.34,"sentiment":"neutral","sentiment_score":-0.07446038722991943}],"sentiment":"neutral","sentiment_score":-0.07446038722991943,"channel":1,"num_words":3,"start":1152.44,"end":1153.34},{"sentences":[{"text":"Oh, good.","start":1153.493,"end":1153.973,"sentiment":"positive","sentiment_score":0.5265403985977173},{"text":"Thanks so much, Cole.","start":1153.973,"end":1155.013,"sentiment":"positive","sentiment_score":0.7625329196453094},{"text":"Have a great weekend.","start":1155.013,"end":1155.973,"sentiment":"positive","sentiment_score":0.7539555579423904},{"text":"I'll","start":1155.973,"end":1156.1329,"sentiment":"neutral","sentiment_score":0.28723031282424927}],"sentiment":"positive","sentiment_score":0.6732968200336803,"channel":0,"num_words":11,"start":1153.493,"end":1156.1329},{"sentences":[{"text":"No","start":1156.0399,"end":1156.36,"sentiment":"neutral","sentiment_score":-0.010917127132415771}],"sentiment":"neutral","sentiment_score":-0.010917127132415771,"channel":1,"num_words":1,"start":1156.0399,"end":1156.36},{"sentences":[{"text":"talk","start":1156.1329,"end":1156.3729,"sentiment":"neutral","sentiment_score":0.010649874806404114}],"sentiment":"neutral","sentiment_score":0.010649874806404114,"channel":0,"num_words":1,"start":1156.1329,"end":1156.3729},{"sentences":[{"text":"no","start":1156.36,"end":1156.52,"sentiment":"neutral","sentiment_score":-0.14522382616996765}],"sentiment":"neutral","sentiment_score":-0.14522382616996765,"channel":1,"num_words":1,"start":1156.36,"end":1156.52},{"sentences":[{"text":"to you","start":1156.3729,"end":1156.693,"sentiment":"neutral","sentiment_score":0.05895345658063888}],"sentiment":"neutral","sentiment_score":0.05895345658063888,"channel":0,"num_words":2,"start":1156.3729,"end":1156.693},{"sentences":[{"text":"worries.","start":1156.52,"end":1156.84,"sentiment":"neutral","sentiment_score":-0.013044215738773346}],"sentiment":"neutral","sentiment_score":-0.013044215738773346,"channel":1,"num_words":1,"start":1156.52,"end":1156.84},{"sentences":[{"text":"soon.","start":1156.693,"end":1157.193,"sentiment":"neutral","sentiment_score":0.14332619309425354}],"sentiment":"neutral","sentiment_score":0.14332619309425354,"channel":0,"num_words":1,"start":1156.693,"end":1157.193},{"sentences":[{"text":"Thanks so much.","start":1156.84,"end":1157.82,"sentiment":"positive","sentiment_score":0.7050115068753561}],"sentiment":"positive","sentiment_score":0.7050115068753561,"channel":1,"num_words":3,"start":1156.84,"end":1157.82},{"sentences":[{"text":"See you later.","start":1158.053,"end":1158.853,"sentiment":"positive","sentiment_score":0.4782399336496989},{"text":"Bye.","start":1158.853,"end":1159.353,"sentiment":"neutral","sentiment_score":0.2728897035121918}],"sentiment":"positive","sentiment_score":0.4269023761153221,"channel":0,"num_words":4,"start":1158.053,"end":1159.353},{"sentences":[{"text":"Thanks, Dana.","start":1158.9199,"end":1159.72,"sentiment":"positive","sentiment_score":0.6051765382289886},{"text":"See you.","start":1159.72,"end":1160.5399,"sentiment":"neutral","sentiment_score":0.1466381847858429}],"sentiment":"positive","sentiment_score":0.37590736150741577,"channel":1,"num_words":4,"start":1158.9199,"end":1160.5399}]},"summary":{"result":"success","short":"A representative from Oakey Financial contacts a customer named Carrie to discuss her retirement contributions and payroll. They discuss increasing her pension payment and the possibility of increasing her monthly income. The agent offers to amend her online pension payment and provides instructions for signing and returning the pension payment. They also discuss updating her bank account information and reducing her life and TPD coverage. The agent confirms her account number and provides a new bank account nomination form. The agent assures the customer that they will complete necessary research and provide necessary information. The agent wishes the customer well and wishes them a happy Easter."},"intents":{"segments":[{"text":"have got sick leave or holidays. But, yeah, per week, I'm down about $17 to what Okay.","start_word":354,"end_word":370,"intents":[{"intent":"Adjust salary","confidence_score":0.0027928413}]},{"text":"Two pay I had Monday, fortnight ago, the pay come in, got Yep. the pay that the people was in the next one. And then this Monday, I got another pay in like, I've had the pay in between. So I had Mhmm.","start_word":682,"end_word":724,"intents":[{"intent":"Discuss pay increase","confidence_score":0.008699598}]},{"text":"I'll do is I just need to go back and have a quick look to see how we best do that for you, whether we maybe do it as a transaction without advice and just make that increase there, or we go back and just see if we can adjust the advice piece a little bit.","start_word":1011,"end_word":1066,"intents":[{"intent":"Adjust adviser","confidence_score":0.052907832}]},{"text":"I'm just having a quick look here to see what the pension maximum is versus what we're taking it to see what kind of space we have additional to draw Mhmm. that out from.","start_word":1067,"end_word":1100,"intents":[{"intent":"Calculate maximum amount","confidence_score":0.019096738},{"intent":"Adjust pension maximum","confidence_score":0.24573986}]},{"text":"So we can essentially amend this online to make it nice and easier so your next pension payment is due. Sorry.","start_word":1281,"end_word":1301,"intents":[{"intent":"Update pension payment","confidence_score":0.04150683},{"intent":"Amend retirement payment","confidence_score":0.005545898}]},{"text":"It's not a problem at all. I'll get that transaction with that advice done up. I'll send it through to you very shortly so you can sign and return it back, and then we'll be able to go in and amend that pension payment amount for you. No worries.","start_word":1555,"end_word":1603,"intents":[{"intent":"Amend pension payment amount","confidence_score":0.1344256}]},{"text":"yeah, we've there've been no issues really. So it's just Yeah.","start_word":1693,"end_word":1703,"intents":[{"intent":"Resolve billing issue","confidence_score":0.00096978707}]},{"text":"So I'll just read it back to you just to confirm. It's VSP 484799. Account number, 604792181. 1. That's right. And still Beautiful. in c dang, KAAndrews, if you need Yep. that? Perfect.","start_word":2045,"end_word":2077,"intents":[{"intent":"Confirm consent","confidence_score":0.0036219573}]},{"text":"I'll get the new bank account nomination form done up so we can have that altered for you as well. We may as well do that before the next pension payment's due to make it nice and easy for you. Okay?","start_word":2093,"end_word":2133,"intents":[{"intent":"Request bank form","confidence_score":0.0010601119}]},{"text":"Hey, Cole. How are you? Good.","start_word":2189,"end_word":2194,"intents":[{"intent":"Answer questions","confidence_score":0.0011109194}]},{"text":"This is Terry with the deep voice. You sound so different. Cole, because I am now discussing your personal information, I just need to acknowledge the security with yourself there. If you can confirm your full name, date of birth, and address for me.","start_word":2195,"end_word":2238,"intents":[{"intent":"Confirm identity","confidence_score":0.53908306}]},{"text":"Cole, because I am now discussing your personal information, I just need to acknowledge the security with yourself there. If you can confirm your full name, date of birth, and address for me.","start_word":2206,"end_word":2238,"intents":[{"intent":"Discuss personal information","confidence_score":0.17950702}]},{"text":"Cole, because I am now discussing your personal information, I just need to acknowledge the security with yourself there. If you can confirm your full name, date of birth, and address for me. Colin John Andrews, fifteenth to the eighth Yep. 196310 Macarthur Street, Morey, New South Wales Beautiful. 24OO.","start_word":2206,"end_word":2255,"intents":[{"intent":"Acknowledge security","confidence_score":0.08159451}]},{"text":"If you can confirm your full name, date of birth, and address for me.","start_word":2225,"end_word":2238,"intents":[{"intent":"Confirm information","confidence_score":0.016417054}]},{"text":"If you can confirm your full name, date of birth, and address for me. Colin John Andrews, fifteenth to the eighth Yep. 196310 Macarthur Street, Morey, New South Wales Beautiful.","start_word":2225,"end_word":2254,"intents":[{"intent":"Confirm address","confidence_score":0.010645753}]},{"text":"And it mentions that you're kind of happy to cancel that. Is that right?","start_word":2322,"end_word":2335,"intents":[{"intent":"Cancel life and tdp","confidence_score":0.21181741}]},{"text":"No.","start_word":2361,"end_word":2361,"intents":[{"intent":"Make decision","confidence_score":0.0013893471}]},{"text":"So reducing the canceling the TBD and reducing loss to 300,000, is that the right way?","start_word":2452,"end_word":2467,"intents":[{"intent":"Reduce loss and reduce loss","confidence_score":0.0010587329}]},{"text":"Well, we will go forward the research and get that completed for you. I am away over the Easter break, so it'll probably be when I come back that we get that presented. Is that okay? Sorry.","start_word":2534,"end_word":2570,"intents":[{"intent":"Complete research","confidence_score":0.47048697}]},{"text":"We'll get cracking on the research for you. And when I come back, we'll have it ready to go to make it nice and easy. Okay? Fantastic.","start_word":2633,"end_word":2659,"intents":[{"intent":"Coordinate research","confidence_score":0.010668122}]}]},"sentiments":{"segments":[{"text":"Harry speaking. Hi, Carrie. It's Dana from Oakey Financial. How are you this afternoon?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.16248886287212372},{"text":"Good.","start_word":14,"end_word":14,"sentiment":"positive","sentiment_score":0.4472888112068176},{"text":"How are you? I've heard you been out. I was, unfortunately, today happily have more of a voice than I did the other day, but I do have water with me. Hope it's okay if you do hear me pause or start to get a bit croaky or tuck some water down my throat. Yeah. All good. No worries. Yeah. We all I managed to miss it, but everybody else in the family, it just you know, bad cough and things like that, and so hard Yeah. to shake. Absolutely.","start_word":15,"end_word":104,"sentiment":"neutral","sentiment_score":-0.10120866447687148},{"text":"It's incredible.","start_word":105,"end_word":106,"sentiment":"positive","sentiment_score":0.3783738613128662},{"text":"It's also to hit us a lot earlier this year than, you know, we would have expected. So Yeah. Yeah. yeah. Crazy. No one's been in to get their flu needles or anything. Yeah. No. That's exactly right. Carrie, I had you booked in to have a bit of a chat about the TTR. I believe you had some questions for me. Before we jump into the call, I just wanna let you know we do record our calls for quality and training purposes. Are you okay with me to proceed with that? Yeah. That's fine. Yep.","start_word":107,"end_word":203,"sentiment":"neutral","sentiment_score":-0.011479939334094524},{"text":"Fantastic.","start_word":204,"end_word":204,"sentiment":"positive","sentiment_score":0.45020270347595215},{"text":"And just to do security there, I am discussing your personal information. I'll just get you to confirm your full name, your date of birth, and address I should have on file. It's Carrie Ann Andrews for the 04/02/1963. Yep. Do you Beautiful. know the address? Thank you. Yes, please. Yeah. 10 Macosit Street 48. Beautiful.","start_word":205,"end_word":260,"sentiment":"neutral","sentiment_score":0.09058623760938644},{"text":"Thank you so much for that.","start_word":261,"end_word":266,"sentiment":"positive","sentiment_score":0.45894351601600647},{"text":"The note I have here mentions you wanted to talk about your TTR as for an email. But then I when I spoke to Colin the other day, he mentioned there was some something with your payslips. I'm not a 100% sure, so feel free to give me you know, what can I help you with, essentially? Sorry. Yeah. No. There's no great drama. Yeah. I've the pension started, Yep. and then, unfortunately, I've only got one payslip that I could say, hey. Look. The rest Yeah. have got sick leave or holidays. But, yeah, per week, I'm down about $17 to what Okay. I was getting Okay. before. Okay. No. That's alright. It was sort of worked out on a yearly figure and was evened out that way. I could look to maybe just increase that pension payment a little bit for you if you'd like me to by that $17. Or do you because we had to even it out over the the course of the year because you get paid two different amounts each week, so we kind of couldn't work it out to to match up each individual week. So we had to work it out over a fortnight and then even it out across the year to make it even that way. Yeah. Well, But that's what I did thought. Round you up, round down, and that type of thing. Yeah. yeah. Yeah. So you've only had technically one payment. How does it look over the fortnight at the moment? Yeah. Yeah.","start_word":267,"end_word":523,"sentiment":"neutral","sentiment_score":-0.014302434541053111},{"text":"Nice.","start_word":524,"end_word":524,"sentiment":"positive","sentiment_score":0.35615769028663635},{"text":"So I've had yeah. I've got the second payment on Monday. Okay. Yep.","start_word":525,"end_word":537,"sentiment":"neutral","sentiment_score":0.16656498610973358},{"text":"Perfect.","start_word":538,"end_word":538,"sentiment":"positive","sentiment_score":0.41856008768081665},{"text":"So when yeah. So if it comes in, I'd transfer it over to where I need it. I probably should've if we're going to change it, I will change which account I put in. Yeah. That's Because okay. it it's That's going alright. into the slash fund, and it'll probably easily disappear. Yep. So yeah. And then I just transfer it over to where I need Yep. it to be and we go along as usual. Okay. So No. That's alright. and, So like, have I you know had a 7 inch dollars is is not not a lot, but just Yeah. a present. It would be handy. Yeah. Of course. Absolutely. So have you had a full fortnight with two incomes from work, or has there only been one income from work and one for the pension payment thus far? No. Two pay I had Monday, fortnight ago, the pay come in, got Yep. the pay that the people was in the next one. And then this Monday, I got another pay in like, I've had the pay in between. So I had Mhmm. one Okay. fortnightly pay, which I split in half and moved around and sort of I'm just putting half over to the side so that I've got it there for the second week. You know? Yep. Yep. But, yeah, no. That's that's you know, it's working Yep. No. That's okay. Did you want me to look at fine. maybe trying to increase that by that $17 to see if we can get this a little bit more drawn down for you, or did you wanna see how it works over the first couple of month month or two to see whether it's gonna work out correctly for you or whether you're missing that? What are you sort of thinking? I would I know it sounds minor, but I Yep. would like to have that $17 if I could. We've just had one of those months. I thought, right. I'm getting a new kitchen. Paid the deposit. Off we go. Yep. House insurance Yep. came in and, of course, no one will bloody insurance around I here because it floods don't every know. twelve years. And, you know, Yeah. they might get a plug. Yeah. And No. yeah. That's And okay. then there was something else come in and it's sort of like we've just bang and I thought, right, every little thing to help. Yep. Yes. But, No. anyway, That's okay. we'll And sort that it's out. $17.17 dollars per fortnight. Is that what you're after? Yeah. That's fine. Yep. Because Yep. I That's get okay. $6.06 I get $660.20, and this is the short pay, but Mhmm. that's the Yes. same thing. And then Yeah. I get $237.61 by Okay. No. That's alright. the What pension. I'll do is I just need to go back and have a quick look to see how we best do that for you, whether we maybe do it as a transaction without advice and just make that increase there, or we go back and just see if we can adjust the advice piece a little bit. I'm just having a quick look here to see what the pension maximum is versus what we're taking it to see what kind of space we have additional to draw Mhmm. that out from. So let's go Five. Okay. So we're doing $4.07 $5.22 per fortnight there, and that comes up by '26. So we're drawing out $12.03 $5.05 and 72, and the maximum annual pension based on this is 27,000. So then if you want for the $17, that's just an extra 442 for the year. That's okay. Can I just put you on a really quick hold for one second? I'll just gonna check something. It won't be a moment.","start_word":539,"end_word":1178,"sentiment":"neutral","sentiment_score":0.03845426887855865},{"text":"Perfect. Thank Won't be a second.","start_word":1179,"end_word":1184,"sentiment":"positive","sentiment_score":0.4199488162994385},{"text":"you. Hi, Carrie.","start_word":1185,"end_word":1187,"sentiment":"neutral","sentiment_score":0.22360122203826904},{"text":"Thank you so much for holding.","start_word":1188,"end_word":1193,"sentiment":"positive","sentiment_score":0.575032651424408},{"text":"I'm so sorry about the delay.","start_word":1194,"end_word":1199,"sentiment":"neutral","sentiment_score":0.04735293611884117},{"text":"You're All good. I was just having a really good look at everything for you.","start_word":1200,"end_word":1214,"sentiment":"positive","sentiment_score":0.46901512145996094},{"text":"So what we'll do, you do have plenty of space there because the annual maximum pension, as I said, is 27,087 and 49 for the year. That's the 10% per the rollover amount, which is cool. We're only drawing down about 12,000 at the moment. So you just wanna increase that by about $17 per fortnight. Yes. Yep. That'll be Yep.","start_word":1215,"end_word":1275,"sentiment":"neutral","sentiment_score":0.19724856317043304},{"text":"fine. Thank Per you. perfect. So we can essentially amend this online to make it nice and easier so your next pension payment is due.","start_word":1276,"end_word":1300,"sentiment":"positive","sentiment_score":0.3988996148109436},{"text":"Sorry. This is a little bit slow this afternoon. I love technology when it wants to work. Our next pension payment is the sixth of the fourth day, so we Got should be right to have that amended for the next pension payment down for you. We just it. need to do it as a transaction without advice so that it's done nice and easy. Are you comfortable with that, not sort of receiving a whole new advice piece? You're just comfortable Yeah. Yeah. Yeah. with the Yeah. direction That's of fine. amending that? Yep. Yep.","start_word":1301,"end_word":1396,"sentiment":"neutral","sentiment_score":0.036810616593963154},{"text":"Beautiful. It just means it'll be an extra $4.42 for the year, which is absolutely fine. And then, again, we'll just keep reviewing things moving forward. So yeah. All good.","start_word":1397,"end_word":1426,"sentiment":"positive","sentiment_score":0.4500230550765991},{"text":"Yep. We'll Yeah. just send out a document for you Mhmm. to sign. I'll get that ready this afternoon for you. Once you've signed and returned that back, we'll just have that pension payment amended for your next one for you. Is that okay? Yeah. No. That's fine. No problem Yep. at Perfect. all.","start_word":1427,"end_word":1480,"sentiment":"neutral","sentiment_score":0.12502692639827728},{"text":"Nice easy fix. I love that. That's fantastic. I think it's nice when something actually is easy to do.","start_word":1481,"end_word":1499,"sentiment":"positive","sentiment_score":0.6178328394889832},{"text":"I mean, Yeah. I just as you talk about, you know, the computers and that, I've been struggling at Yeah. work tonight. Oh, no. It's Oh, just that's the, you know, just the system. yeah. We could use to Yeah. them eventually, but sometimes you think, there must be an easier way. Yeah. No. Absolutely. It's not a problem at all. I'll get that transaction with that advice done up. I'll send it through to you very shortly so you can sign and return it back, and then we'll be able to go in and amend that pension payment amount for you. No worries. Thank you. Okay? I'm Easy. done. Not a not a problem at all. I will just double check with Hub to make sure that there's no that there's no need for a form or if there is any particular form we need to have completed, I'll make sure we get that sorted for you. Okay? Yep. Not a problem.","start_word":1500,"end_word":1662,"sentiment":"neutral","sentiment_score":0.10682222992181778},{"text":"Beautiful.","start_word":1663,"end_word":1663,"sentiment":"positive","sentiment_score":0.34726619720458984},{"text":"Do you have any other questions or anything else you might need for me at the moment? Or No. No. This seems to be working Yep. fine.","start_word":1664,"end_word":1690,"sentiment":"neutral","sentiment_score":0.04792802808461366},{"text":"And, Beautiful.","start_word":1691,"end_word":1692,"sentiment":"positive","sentiment_score":0.44918400049209595},{"text":"yeah, we've there've been no issues really. So it's just Yeah. being aware that, yeah, you know, move that move that.","start_word":1693,"end_word":1713,"sentiment":"neutral","sentiment_score":0.13953343033790588},{"text":"Absolutely.","start_word":1714,"end_word":1714,"sentiment":"positive","sentiment_score":0.3923575282096863},{"text":"No.","start_word":1715,"end_word":1715,"sentiment":"neutral","sentiment_score":0.2312388122081757},{"text":"Completely understandable. It's all good. Very easy to sort out. Not a problem at all. I'll get that done for you.","start_word":1716,"end_word":1736,"sentiment":"positive","sentiment_score":0.4861023724079132},{"text":"I do believe Colin asked me to give him a call when he's available. Is he available this afternoon anytime? Do you know? Yeah. Do you wanna talk to him now? If he's available, yeah. I want to last thing around here somewhere. Hold on. I'll just go and get you. There's no use Sure. to hang out with this this or anything. So you gotta go hit him on the head or something. Hold on a second. You're right. He's on his way. I'll just turn Yep. up the volume. No. That's okay. I'm also just having a look at the forms here, Carrie. Did you want me to amend the bank account that that's being paid to? I can do up a new bank account nomination form whilst I'm doing this for you if you like. Yeah. That'd be good. I'll just move it into a a another account if that's alright. Yeah. That's absolutely fine. What I can do, I can, grab the bank account information off you if you've got it there on you at all. Are you okay giving that to me now, or did you wanna email it through? What's your preferred? I'll give it to you now. Give Yeah. us a Beautiful. sec. That's okay. I'm just gonna turn the recording off for you just because we don't wanna record any bank account information. Well, it won't get across town with what's in the account. I'm just gonna turn it off now, and you'll just hear a little you should just hear a little beep. Okay? Mhmm. Yep. Radio. Did anything sorta come up at all? Oh, just a big big? Yeah. Yes. You want the VSP Yes, please. is 484799, Yep. and the account is oh, hold on. Phone just disappeared. It's 604 Yep. 792 Mhmm. 18 Beautiful.","start_word":1737,"end_word":2042,"sentiment":"neutral","sentiment_score":0.007954893720464087},{"text":"All good.","start_word":2043,"end_word":2044,"sentiment":"positive","sentiment_score":0.41166430711746216},{"text":"So I'll just read it back to you just to confirm. It's VSP 484799. Account number, 604792181. 1. That's right. And still Beautiful. in c dang, KAAndrews, if you need Yep. that?","start_word":2045,"end_word":2076,"sentiment":"neutral","sentiment_score":0.09050600230693816},{"text":"Perfect.","start_word":2077,"end_word":2077,"sentiment":"positive","sentiment_score":0.3837951421737671},{"text":"Alright. So same as the last one. And Colin Yep. Andrews.","start_word":2078,"end_word":2088,"sentiment":"neutral","sentiment_score":0.11178592592477798},{"text":"Beautiful.","start_word":2089,"end_word":2089,"sentiment":"positive","sentiment_score":0.45191070437431335},{"text":"Not a problem. I'll get the new bank account nomination form done up so we can have that altered for you as well. We may as well do that before the next pension payment's due to make it nice and easy for you. Okay? No worries.","start_word":2090,"end_word":2135,"sentiment":"neutral","sentiment_score":0.25190287828445435},{"text":"Great. Fantastic. Thank you very much for that. That's okay.","start_word":2136,"end_word":2145,"sentiment":"positive","sentiment_score":0.5976873636245728},{"text":"It's not a problem at all. I'm just I'll sending I'll put the recording back on as well. yes. No worries. I'll put you on Yep. the call.","start_word":2146,"end_word":2173,"sentiment":"neutral","sentiment_score":0.18964284658432007},{"text":"Oh, thanks so much.","start_word":2174,"end_word":2177,"sentiment":"positive","sentiment_score":0.41425853967666626},{"text":"Okay.","start_word":2178,"end_word":2178,"sentiment":"neutral","sentiment_score":0.254625529050827},{"text":"Take care. Thanks, Carrie.","start_word":2179,"end_word":2182,"sentiment":"positive","sentiment_score":0.3455600440502167},{"text":"Talk to you soon. Hello, Dana. Hey, Cole. How are you? Good. This is Terry with the deep voice. You sound so different. Cole, because I am now discussing your personal information, I just need to acknowledge the security with yourself there. If you can confirm your full name, date of birth, and address for me. Colin John Andrews, fifteenth to the eighth Yep. 196310 Macarthur Street, Morey, New South Wales Beautiful. 24OO. And this call will be recorded moving forward. You're comfortable with that? Yep. No problem.","start_word":2183,"end_word":2270,"sentiment":"neutral","sentiment_score":0.06499698013067245},{"text":"Beautiful. All good.","start_word":2271,"end_word":2273,"sentiment":"positive","sentiment_score":0.4145364761352539},{"text":"I got your email here. So you've had a really good look at the quotes and had a good chat to Carrie about, you know, what you're comfortable with if Yep. if in the event you were to pass away or become Yep. totally permanently disabled. Yep. And it mentions that you're kind of happy to cancel that. Is that right? Sorry. What was that? You're happy to go ahead and cancel the life and TPD? You're not sort of wanting to keep those moving forward? No. No. I think I've I've put down the the we'd I'll be happy to go with the 300,000. Oh, did you I'm so sorry. I'm mostly Yeah. looking at With the no wrong one. with no Oh, TPD. I Just am. the I'm just the life yeah. insurance, That's okay. the 300,000 quote that you sent me. Yeah. No. All good. Sorry. I'm looking at the last email. I do apologize about Yeah. that. No. That's alright. No. It's all good, sir.","start_word":2274,"end_word":2442,"sentiment":"neutral","sentiment_score":0.05303513660982869},{"text":"All good.","start_word":2443,"end_word":2444,"sentiment":"positive","sentiment_score":0.40008506178855896},{"text":"So we'll go with the 300,000 coverage. So reducing the canceling the TBD and reducing loss to 300,000, is that the right way? That's correct. Yep.","start_word":2445,"end_word":2470,"sentiment":"neutral","sentiment_score":0.15330635011196136},{"text":"Perfect. That makes it so much cheaper, and then you still get that benefit if anything was to happen there.","start_word":2471,"end_word":2490,"sentiment":"positive","sentiment_score":0.5343100428581238},{"text":"So Yes. yeah. Exact yeah.","start_word":2491,"end_word":2495,"sentiment":"neutral","sentiment_score":0.2927747368812561},{"text":"That's that's still a good benefit, and and I'm be able I'll be able to put that a pretty big amount back in the super then.","start_word":2496,"end_word":2521,"sentiment":"positive","sentiment_score":0.4289587438106537},{"text":"Yeah. Yeah. Absolutely. Absolutely. Yep. No. Not a problem at all.","start_word":2522,"end_word":2532,"sentiment":"neutral","sentiment_score":0.19342041015625},{"text":"Perfect.","start_word":2533,"end_word":2533,"sentiment":"positive","sentiment_score":0.4524068236351013},{"text":"Well, we will go forward the research and get that completed for you. I am away over the Easter break, so it'll probably be when I come back that we get that presented. Is that okay? Sorry. Say again, mate. My ears Yeah. No. It's are okay. I'll plain be away from the up. end of next week for until Yep. the thirteenth. It'll Yep. be a little bit after that that we have the advice ready Yeah. to go. No. Is That's that okay? fine. Yep. Yeah? No. That's fine. Yep.","start_word":2534,"end_word":2625,"sentiment":"neutral","sentiment_score":0.003912148531526327},{"text":"Beautiful.","start_word":2626,"end_word":2626,"sentiment":"positive","sentiment_score":0.41499215364456177},{"text":"Not a problem at all. We'll get cracking on the research for you. And when I come back, we'll have it ready to go to make it nice and easy. Okay?","start_word":2627,"end_word":2657,"sentiment":"neutral","sentiment_score":0.2741991300736704},{"text":"Fantastic. Yeah. Thank Oh, you.","start_word":2658,"end_word":2662,"sentiment":"positive","sentiment_score":0.4929519891738891},{"text":"that's okay. Not a problem at all. How's your week been? Oh, it's been a bit here and there. I'm just just plodding along and doing it. I've up my hours, so I'm I'm slowly getting there. Yes.","start_word":2663,"end_word":2700,"sentiment":"neutral","sentiment_score":0.10643316060304642},{"text":"Perfect. All good. All good. All good to hear.","start_word":2701,"end_word":2709,"sentiment":"positive","sentiment_score":0.4722287654876709},{"text":"Is there any other questions or any concerns or anything that yourself or Carrie had No. that you wanted to chat about or you're all good? Does that No. I think we're covered now. I think that yes. once we get that organized, I think that'll just make a big difference. And, Yeah.","start_word":2710,"end_word":2762,"sentiment":"neutral","sentiment_score":0.11077750474214554},{"text":"yeah, now I'll be happy pretty well with Yep.","start_word":2763,"end_word":2771,"sentiment":"positive","sentiment_score":0.46310198307037354},{"text":"that, mate. So, yeah, Absolutely. I can't think of anything else offhand. Yep. No. That's okay. Not a problem at all.","start_word":2772,"end_word":2792,"sentiment":"neutral","sentiment_score":0.14086408913135529},{"text":"Beautiful. I'll get cracking on that foi.","start_word":2793,"end_word":2799,"sentiment":"positive","sentiment_score":0.43830156326293945},{"text":"If there's anything else you need, please don't ever hesitate. Let me know, and I'll definitely jump in, try to get it sorted for as quickly as I can. Easy.","start_word":2800,"end_word":2829,"sentiment":"neutral","sentiment_score":0.2725386619567871},{"text":"Beautiful. Thank you so much.","start_word":2830,"end_word":2834,"sentiment":"positive","sentiment_score":0.5640832185745239},{"text":"No worries, though.","start_word":2835,"end_word":2837,"sentiment":"neutral","sentiment_score":0.20403063297271729},{"text":"You have a lovely afternoon. Thank you so much.","start_word":2838,"end_word":2846,"sentiment":"positive","sentiment_score":0.5212372541427612},{"text":"Yep.","start_word":2847,"end_word":2847,"sentiment":"neutral","sentiment_score":0.2967352569103241},{"text":"I hope you guys have a great Easter.","start_word":2848,"end_word":2855,"sentiment":"positive","sentiment_score":0.4783310890197754},{"text":"Yeah. You too, mate.","start_word":2856,"end_word":2859,"sentiment":"neutral","sentiment_score":0.26747575402259827},{"text":"All the best of you and your family.","start_word":2860,"end_word":2867,"sentiment":"positive","sentiment_score":0.4851655066013336},{"text":"Will do. Thanks Yep. so I much. You I too. hope you're feeling better.","start_word":2868,"end_word":2881,"sentiment":"neutral","sentiment_score":0.11777640879154204},{"text":"I've been I get that sickness over. It's not fun.","start_word":2882,"end_word":2891,"sentiment":"negative","sentiment_score":-0.3670723140239715},{"text":"Oh, so much. I even sound a lot better today, but, yeah, Yeah. hopefully, we don't get anything else. Oh, no. That's it. It's well, no. I don't know. Whatever's going around down in this area, it's it's a hard one to shake. So Yeah. Yeah.","start_word":2892,"end_word":2937,"sentiment":"neutral","sentiment_score":-0.14382138848304749},{"text":"just something in something in the air is upsetting a lot of people.","start_word":2938,"end_word":2950,"sentiment":"negative","sentiment_score":-0.5832589864730835},{"text":"So, Absolutely. Absolutely. anyway, No. all the best.","start_word":2951,"end_word":2958,"sentiment":"neutral","sentiment_score":-0.05545623227953911},{"text":"Oh, good. Thanks so much, Cole. Have a great weekend.","start_word":2959,"end_word":2968,"sentiment":"positive","sentiment_score":0.6960029602050781},{"text":"I'll No talk no to you worries. soon.","start_word":2969,"end_word":2976,"sentiment":"neutral","sentiment_score":0.09122255444526672},{"text":"Thanks so much. See you later.","start_word":2977,"end_word":2982,"sentiment":"positive","sentiment_score":0.5996264815330505},{"text":"Bye.","start_word":2983,"end_word":2983,"sentiment":"neutral","sentiment_score":0.2728897035121918},{"text":"Thanks, Dana. See you.","start_word":2984,"end_word":2987,"sentiment":"positive","sentiment_score":0.5625793933868408}],"average":{"sentiment":"neutral","sentiment_score":0.09133979688297736}}}}