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Mate, thank you so much for calling back in. Really appreciate it. Couple of things I need to run through with you. I do have a bit of an email I was gonna send through to you as well. Will you get a look onto it with me, or should I just walk you through what I'm sending? I've just got the earphones in. Let me switch it around. I'll be too set. Sorry about that. Is that a bit better? Thank you so much for that, mate. I was just wondering with an email I'm sending through, will you be able to look onto it with me, or should I just kinda walk you through it? Easy done. Easy done. So I have one bit of bad news for you previously and five bits of good news for you. Quick recap. So when we last spoke, we had your superannuation dropped down from a 178,000 to a 170,000, and we were switching it over to that fixed interest fund, the the Latrobe fund. Does that ring a bell? So yep. So what basically happened is as soon as we got off that phone call, the stock market started exploding. And when we were putting the plan together, it dropped down to 162,000 in March. Now what's happened since so what I've done is I've basically been onto your account every week since, and we've managed to build it back up to a 177,000. At the same time, my plan with you would basically get you to a $180 so you could pull it out for the house. Does that ring a bell? Cool. So now that we've gotten it back up to $1.77, they've actually increased the interest rates for that fund almost to 7%. It'll hit 7% as soon as the RBA increases the interest rates, I think, next month. So, basically, what I wanna do is I wanna switch your super over to a pension account so that we can organize the withdrawal for you at any point that you would like it. That'll get rid of all the capital gains tax that might happen inside the super, which will save you about 5,000, and it will keep it to zero. So we switch it into a pension account. I can put it into that credit fund again at 7%, and you can sell it each month without exit fees. Netwealth allows you to sell a twelve month fund every month. So, you know, normally, if you have a term deposit, you lock it away for twelve months. Netwealth allows you to actually buy and sell the thing once every month. So if you locked it away for twelve months, you get a month in, two months in, three months in, and sell it without an exit fee. Yeah. Pretty much. So what I'll do is I wanna get it across to the pension account into that credit fund. So every month, it's gonna be getting between 800 to a thousand dollars interest. It'll hit that $1.80 mark pretty quickly. And then to give you enough leeway, I can set the withdrawal to June because it's financial year based, but you can have full access to the funds at any point between then and June. So if you wanted a small amount, a large amount, you could withdraw whatever you like. That sound alright? Awesome. So the plan I'm sending you through is exactly to do that. They I'm not gonna lie. It's it's quite ridiculous how many pages this thing has just from legal speak and disclaimers and things like that. It's basically got a bunch of supporting documents like research, product documents, updates from Netwealth, and so on. It has a consent form for us because I have to drop the fees down to 1.1 for you so we can still remain advisers on the account to help with moving it around, selling it down, all that kind of thing. The statement of advice, as soon as you sign that one, I'll get the guys to organize the pension application for you to switch it across. Once we move it across, I'll put it into that credit fund, and then it's just simple matter of linking a bank account to it, and and then you're off to the races. Cool. So I was gonna walk you through sorry. Go for it. Yeah. Perfect. I was gonna kind of walk you through all the disclaimers in in the document kind of thing. It just goes over, you know, we don't have every single detail about everything in your life. It's got the scope, which was just trying to make sure your super wasn't plummeting and it moved into something stable so that you can withdraw the funds for the house. And then it's just got all the different pros and cons of, hey. If you go from this portfolio to this fund, you might not get as big a return, all that kind of stuff. But if that sounds good to you, I've sent it through. It's on it's kind of like a DocuSign, like our OdooSign, where you basically just hit the purple sign button will bring up the six documents. It'll let you scroll through to read them. Once you're happy with it, you just sign the authority to proceed and the consent form. Skip next document, next document for the next four, and then hit validate. That'll come back to us. And then next week, I'll I'll line up all the applications and everything. And it's going to the the Gmail address. Just double check that's the correct one. Bob fulshaw 62@gmail.com. It can just take a couple of minutes to load just because the amount of pages on the thing. Yep. So there's two documents to sign. So when it opens up the first one, you basically it'll have a button saying begin to pull you to the sign section, or you can just scroll to the bottom of the thirty fourth page. Once that one's signed, it'll switch you'll switch across to the next one, which is a consent form. Sign that, and then you just skip through next document, next document, next document until it hits validate. Cool. Any questions for me at this point? Cool. Cool. Now I will have to yeah. Yeah. That's right. That was the main one over Christmas time. Well, the the gold price skyrocketed up until Christmas time. So if you have a look at the old Perth Mint in Australia there, it went up to 7,400 an ounce, and then it went down to 5,700, and it's back up to 6,400 6,200 today. But it had this huge year where it went up, like, a 150%, and Christmas to March is when it went down, and it's been going back up. So just have a look at the old gold price online, and you'll be able to see the graph there. It looks kind of crazy. It just went gangbusters. Cool. Yeah. That'll come back to us. It'll give you a signed copy over the email, and then I've basically I'm gonna be watching your account every day to get the pension application off to you. Once it goes across, I'll time when I actually put you into that credit fund when you're above $1.77. Cool. Easy done. Anything else I can help with in between? Mate, I've got an unfinished deck next to me, 80% of the way through. So we're gonna do the railings on the weekend. I can get my uncle over because he's a, you know, 60 year old Croatian fellow who's been building stuff for years, but he's a he's a bit past it too. He said, neither does. They're gonna help you? Awesome. Well, look, I really appreciate you. Playing, are you gonna do some diagrams for it? Or do you have to draw up some plans, or is it just a matter of going to Bunnings? Hopefully, the council doesn't stuff you Fingers crossed. No. But I just wanted to say thank you for giving us a buzz back. I wanted to get that sorted out for you and good outcome. And, mate, just have a brilliant weekend. Cheers, mate. 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It's Tommy here, mate. How are you doing? Living the dream. It's a beautiful, cool, sunny day on the Gold Coast.\n\nWhat about your end? Good to hear, mate. Good to hear. Mate, thank you so much for calling back in. Really appreciate it.\n\nCouple of things I need to run through with you. I do have a bit of an email I was gonna send through to you as well. Will you get a look onto it with me, or should I just walk you through what I'm sending? I've just got the earphones in. Let me switch it around.\n\nI'll be too set. Sorry about that. Is that a bit better? Thank you so much for that, mate. I was just wondering with an email I'm sending through, will you be able to look onto it with me, or should I just kinda walk you through it?\n\nEasy done. Easy done. So I have one bit of bad news for you previously and five bits of good news for you. Quick recap. So when we last spoke, we had your superannuation dropped down from a 178,000 to a 170,000, and we were switching it over to that fixed interest fund, the the Latrobe fund.\n\nDoes that ring a bell? So yep. So what basically happened is as soon as we got off that phone call, the stock market started exploding. And when we were putting the plan together, it dropped down to 162,000 in March. Now what's happened since so what I've done is I've basically been onto your account every week since, and we've managed to build it back up to a 177,000.\n\nAt the same time, my plan with you would basically get you to a $180 so you could pull it out for the house. Does that ring a bell? Cool. So now that we've gotten it back up to $1.77, they've actually increased the interest rates for that fund almost to 7%. It'll hit 7% as soon as the RBA increases the interest rates, I think, next month.\n\nSo, basically, what I wanna do is I wanna switch your super over to a pension account so that we can organize the withdrawal for you at any point that you would like it. That'll get rid of all the capital gains tax that might happen inside the super, which will save you about 5,000, and it will keep it to zero. So we switch it into a pension account. I can put it into that credit fund again at 7%, and you can sell it each month without exit fees. Netwealth allows you to sell a twelve month fund every month.\n\nSo, you know, normally, if you have a term deposit, you lock it away for twelve months. Netwealth allows you to actually buy and sell the thing once every month. So if you locked it away for twelve months, you get a month in, two months in, three months in, and sell it without an exit fee. Yeah. Pretty much.\n\nSo what I'll do is I wanna get it across to the pension account into that credit fund. So every month, it's gonna be getting between 800 to a thousand dollars interest. It'll hit that $1.80 mark pretty quickly. And then to give you enough leeway, I can set the withdrawal to June because it's financial year based, but you can have full access to the funds at any point between then and June. So if you wanted a small amount, a large amount, you could withdraw whatever you like.\n\nThat sound alright? Awesome. So the plan I'm sending you through is exactly to do that. They I'm not gonna lie. It's it's quite ridiculous how many pages this thing has just from legal speak and disclaimers and things like that.\n\nIt's basically got a bunch of supporting documents like research, product documents, updates from Netwealth, and so on. It has a consent form for us because I have to drop the fees down to 1.1 for you so we can still remain advisers on the account to help with moving it around, selling it down, all that kind of thing. The statement of advice, as soon as you sign that one, I'll get the guys to organize the pension application for you to switch it across. Once we move it across, I'll put it into that credit fund, and then it's just simple matter of linking a bank account to it, and and then you're off to the races. Cool.\n\nSo I was gonna walk you through sorry. Go for it. Yeah. Perfect. I was gonna kind of walk you through all the disclaimers in in the document kind of thing.\n\nIt just goes over, you know, we don't have every single detail about everything in your life. It's got the scope, which was just trying to make sure your super wasn't plummeting and it moved into something stable so that you can withdraw the funds for the house. And then it's just got all the different pros and cons of, hey. If you go from this portfolio to this fund, you might not get as big a return, all that kind of stuff. But if that sounds good to you, I've sent it through.\n\nIt's on it's kind of like a DocuSign, like our OdooSign, where you basically just hit the purple sign button will bring up the six documents. It'll let you scroll through to read them. Once you're happy with it, you just sign the authority to proceed and the consent form. Skip next document, next document for the next four, and then hit validate. That'll come back to us.\n\nAnd then next week, I'll I'll line up all the applications and everything. And it's going to the the Gmail address. Just double check that's the correct one. Bob fulshaw 62@gmail.com. It can just take a couple of minutes to load just because the amount of pages on the thing.\n\nYep. So there's two documents to sign. So when it opens up the first one, you basically it'll have a button saying begin to pull you to the sign section, or you can just scroll to the bottom of the thirty fourth page. Once that one's signed, it'll switch you'll switch across to the next one, which is a consent form. Sign that, and then you just skip through next document, next document, next document until it hits validate.\n\nCool. Any questions for me at this point? Cool. Cool. Now I will have to yeah.\n\nYeah. That's right. That was the main one over Christmas time. Well, the the gold price skyrocketed up until Christmas time. So if you have a look at the old Perth Mint in Australia there, it went up to 7,400 an ounce, and then it went down to 5,700, and it's back up to 6,400 6,200 today.\n\nBut it had this huge year where it went up, like, a 150%, and Christmas to March is when it went down, and it's been going back up. So just have a look at the old gold price online, and you'll be able to see the graph there. It looks kind of crazy. It just went gangbusters. Cool.\n\nYeah. That'll come back to us. It'll give you a signed copy over the email, and then I've basically I'm gonna be watching your account every day to get the pension application off to you. Once it goes across, I'll time when I actually put you into that credit fund when you're above $1.77. Cool.\n\nEasy done. Anything else I can help with in between? Mate, I've got an unfinished deck next to me, 80% of the way through. So we're gonna do the railings on the weekend. I can get my uncle over because he's a, you know, 60 year old Croatian fellow who's been building stuff for years, but he's a he's a bit past it too.\n\nHe said, neither does. They're gonna help you? Awesome. Well, look, I really appreciate you. Playing, are you gonna do some diagrams for it?\n\nOr do you have to draw up some plans, or is it just a matter of going to Bunnings? Hopefully, the council doesn't stuff you Fingers crossed. No. But I just wanted to say thank you for giving us a buzz back. I wanted to get that sorted out for you and good outcome.\n\nAnd, mate, just have a brilliant weekend. Cheers, mate. Have a good one.","paragraphs":[{"sentences":[{"text":"Bob, good morning.","start":2.56,"end":3.36,"sentiment":"neutral","sentiment_score":0.2727234661579132},{"text":"It's Tommy here, mate.","start":3.36,"end":4.24,"sentiment":"neutral","sentiment_score":0.22740740329027176},{"text":"How are you doing?","start":4.24,"end":5.06,"sentiment":"neutral","sentiment_score":0.19491653516888618},{"text":"Living the dream.","start":7.44,"end":8.16,"sentiment":"positive","sentiment_score":0.5814691583315531},{"text":"It's a beautiful, cool, sunny day on the Gold Coast.","start":8.16,"end":10.4,"sentiment":"positive","sentiment_score":0.6873590648174286}],"sentiment":"positive","sentiment_score":0.46356101147830486,"num_words":24,"start":2.56,"end":10.4},{"sentences":[{"text":"What about your end?","start":10.4,"end":11.46,"sentiment":"neutral","sentiment_score":0.13208124972879887},{"text":"Good to hear, mate.","start":14.08,"end":14.799999,"sentiment":"positive","sentiment_score":0.5862623304128647},{"text":"Good to hear.","start":14.799999,"end":15.585,"sentiment":"positive","sentiment_score":0.5432652235031128},{"text":"Mate, thank you so much for calling back in.","start":15.985,"end":17.985,"sentiment":"positive","sentiment_score":0.6643271115091112},{"text":"Really appreciate it.","start":17.985,"end":18.945,"sentiment":"positive","sentiment_score":0.6890201568603516}],"sentiment":"positive","sentiment_score":0.5456162810973499,"num_words":23,"start":10.4,"end":18.945},{"sentences":[{"text":"Couple of things I need to run through with you.","start":18.945,"end":21.125,"sentiment":"neutral","sentiment_score":0.06940414551645517},{"text":"I do have a bit of an email I was gonna send through to you as well.","start":22.465,"end":26.645,"sentiment":"neutral","sentiment_score":0.03676784279591897},{"text":"Will you get a look onto it with me, or should I just walk you through what I'm sending?","start":26.705,"end":30.42,"sentiment":"neutral","sentiment_score":0.02654243500805215},{"text":"I've just got the earphones in.","start":34.5,"end":35.78,"sentiment":"neutral","sentiment_score":-0.048554390047987304},{"text":"Let me switch it around.","start":35.78,"end":36.98,"sentiment":"neutral","sentiment_score":-0.047130969166755673}],"sentiment":"neutral","sentiment_score":0.02274420810046426,"num_words":57,"start":18.945,"end":36.98},{"sentences":[{"text":"I'll be too set.","start":36.98,"end":38.12,"sentiment":"neutral","sentiment_score":-0.099826255813241},{"text":"Sorry about that.","start":46.875,"end":47.515,"sentiment":"neutral","sentiment_score":-0.15386435886224112},{"text":"Is that a bit better?","start":47.515,"end":48.495,"sentiment":"neutral","sentiment_score":-0.06810780540108681},{"text":"Thank you so much for that, mate.","start":51.515,"end":53.055,"sentiment":"positive","sentiment_score":0.34825276902743746},{"text":"I was just wondering with an email I'm sending through, will you be able to look onto it with me, or should I just kinda walk you through it?","start":53.114998,"end":59.58,"sentiment":"neutral","sentiment_score":0.11599392238362081}],"sentiment":"neutral","sentiment_score":0.09583658344733219,"num_words":48,"start":36.98,"end":59.58},{"sentences":[{"text":"Easy done.","start":63.260002,"end":63.82,"sentiment":"neutral","sentiment_score":0.3252897560596466},{"text":"Easy done.","start":63.82,"end":64.380005,"sentiment":"neutral","sentiment_score":0.20574121922254562},{"text":"So I have one bit of bad news for you previously and five bits of good news for you.","start":64.380005,"end":69.92,"sentiment":"neutral","sentiment_score":-0.11417742779380397},{"text":"Quick recap.","start":71.1,"end":71.92,"sentiment":"neutral","sentiment_score":-0.02752409502863884},{"text":"So when we last spoke, we had your superannuation dropped down from a 178,000 to a 170,000, and we were switching it over to that fixed interest fund, the the Latrobe fund.","start":72.54,"end":87.055,"sentiment":"neutral","sentiment_score":-0.08212562359403819}],"sentiment":"neutral","sentiment_score":-0.06649784776463843,"num_words":57,"start":63.260002,"end":87.055},{"sentences":[{"text":"Does that ring a bell?","start":87.055,"end":87.99,"sentiment":"neutral","sentiment_score":-0.06262414157390594},{"text":"So yep.","start":101.11,"end":102.045,"sentiment":"neutral","sentiment_score":-0.11959796771407127},{"text":"So what basically happened is as soon as we got off that phone call, the stock market started exploding.","start":105.005,"end":111.825,"sentiment":"neutral","sentiment_score":-0.19444452696724943},{"text":"And when we were putting the plan together, it dropped down to 162,000 in March.","start":112.205,"end":117.54,"sentiment":"neutral","sentiment_score":-0.13675356457630794},{"text":"Now what's happened since so what I've done is I've basically been onto your account every week since, and we've managed to build it back up to a 177,000.","start":121.14,"end":130.68,"sentiment":"neutral","sentiment_score":0.1793103572623483}],"sentiment":"neutral","sentiment_score":-0.015686653767313277,"num_words":70,"start":87.055,"end":130.68},{"sentences":[{"text":"At the same time, my plan with you would basically get you to a $180 so you could pull it out for the house.","start":133.05501,"end":140.335,"sentiment":"neutral","sentiment_score":0.19884664875765642},{"text":"Does that ring a bell?","start":140.335,"end":141.395,"sentiment":"neutral","sentiment_score":0.06792563274502754},{"text":"Cool.","start":142.735,"end":143.07,"sentiment":"positive","sentiment_score":0.6318041086196899},{"text":"So now that we've gotten it back up to $1.77, they've actually increased the interest rates for that fund almost to 7%.","start":143.39001,"end":152.37001,"sentiment":"positive","sentiment_score":0.49485466155138885},{"text":"It'll hit 7% as soon as the RBA increases the interest rates, I think, next month.","start":152.83,"end":157.995,"sentiment":"neutral","sentiment_score":0.241276353597641}],"sentiment":"neutral","sentiment_score":0.30133788315031457,"num_words":68,"start":133.05501,"end":157.995},{"sentences":[{"text":"So, basically, what I wanna do is I wanna switch your super over to a pension account so that we can organize the withdrawal for you at any point that you would like it.","start":160.47499,"end":169.455,"sentiment":"neutral","sentiment_score":0.2549678770934834},{"text":"That'll get rid of all the capital gains tax that might happen inside the super, which will save you about 5,000, and it will keep it to zero.","start":171.74,"end":178.88,"sentiment":"neutral","sentiment_score":0.3239023712064539},{"text":"So we switch it into a pension account.","start":179.18001,"end":181.44,"sentiment":"neutral","sentiment_score":0.21349352411925793},{"text":"I can put it into that credit fund again at 7%, and you can sell it each month without exit fees.","start":181.82,"end":188.695,"sentiment":"neutral","sentiment_score":0.2309869701663653},{"text":"Netwealth allows you to sell a twelve month fund every month.","start":188.695,"end":192.395,"sentiment":"neutral","sentiment_score":0.15231856906955893}],"sentiment":"neutral","sentiment_score":0.2546309121683532,"num_words":102,"start":160.47499,"end":192.395},{"sentences":[{"text":"So, you know, normally, if you have a term deposit, you lock it away for twelve months.","start":195.655,"end":199.02,"sentiment":"neutral","sentiment_score":-0.03951961645746932},{"text":"Netwealth allows you to actually buy and sell the thing once every month.","start":201.18001,"end":205.02,"sentiment":"neutral","sentiment_score":0.12644903591045967},{"text":"So if you locked it away for twelve months, you get a month in, two months in, three months in, and sell it without an exit fee.","start":205.02,"end":211.68001,"sentiment":"neutral","sentiment_score":0.057809106591675014},{"text":"Yeah.","start":220.705,"end":221.025,"sentiment":"neutral","sentiment_score":0.20388785004615784},{"text":"Pretty much.","start":221.025,"end":221.58499,"sentiment":"neutral","sentiment_score":0.24777889251708984}],"sentiment":"neutral","sentiment_score":0.053871591668576004,"num_words":60,"start":195.655,"end":221.58499},{"sentences":[{"text":"So what I'll do is I wanna get it across to the pension account into that credit fund.","start":221.58499,"end":226.065,"sentiment":"neutral","sentiment_score":0.21095267020993763},{"text":"So every month, it's gonna be getting between 800 to a thousand dollars interest.","start":226.065,"end":230.05,"sentiment":"neutral","sentiment_score":0.2573831384735448},{"text":"It'll hit that $1.80 mark pretty quickly.","start":230.67,"end":232.93001,"sentiment":"positive","sentiment_score":0.3837522970778601},{"text":"And then to give you enough leeway, I can set the withdrawal to June because it's financial year based, but you can have full access to the funds at any point between then and June.","start":233.23001,"end":245.155,"sentiment":"neutral","sentiment_score":0.19789201936551504},{"text":"So if you wanted a small amount, a large amount, you could withdraw whatever you like.","start":245.155,"end":249.015,"sentiment":"neutral","sentiment_score":0.16455407300963998}],"sentiment":"neutral","sentiment_score":0.21828737697667547,"num_words":90,"start":221.58499,"end":249.015},{"sentences":[{"text":"That sound alright?","start":251.555,"end":252.45,"sentiment":"positive","sentiment_score":0.42032524943351746},{"text":"Awesome.","start":255.41,"end":255.91,"sentiment":"positive","sentiment_score":0.7753063440322876},{"text":"So the plan I'm sending you through is exactly to do that.","start":255.97,"end":260.31,"sentiment":"positive","sentiment_score":0.407445453107357},{"text":"They I'm not gonna lie.","start":260.45,"end":261.73,"sentiment":"neutral","sentiment_score":0.06347306668758393},{"text":"It's it's quite ridiculous how many pages this thing has just from legal speak and disclaimers and things like that.","start":261.73,"end":269.395,"sentiment":"neutral","sentiment_score":-0.014261126681230963}],"sentiment":"neutral","sentiment_score":0.16970171535205913,"num_words":41,"start":251.555,"end":269.395},{"sentences":[{"text":"It's basically got a bunch of supporting documents like research, product documents, updates from Netwealth, and so on.","start":269.455,"end":276.35498,"sentiment":"neutral","sentiment_score":0.08938854229119089},{"text":"It has a consent form for us because I have to drop the fees down to 1.1 for you so we can still remain advisers on the account to help with moving it around, selling it down, all that kind of thing.","start":276.655,"end":288.90002,"sentiment":"neutral","sentiment_score":0.14304240154368536},{"text":"The statement of advice, as soon as you sign that one, I'll get the guys to organize the pension application for you to switch it across.","start":289.68002,"end":298.26498,"sentiment":"neutral","sentiment_score":0.10852091788099362},{"text":"Once we move it across, I'll put it into that credit fund, and then it's just simple matter of linking a bank account to it, and and then you're off to the races.","start":298.965,"end":308.585,"sentiment":"neutral","sentiment_score":0.1495421463341424},{"text":"Cool.","start":312.61,"end":313.00998,"sentiment":"positive","sentiment_score":0.44602540135383606}],"sentiment":"neutral","sentiment_score":0.1318269560113549,"num_words":120,"start":269.455,"end":313.00998},{"sentences":[{"text":"So I was gonna walk you through sorry.","start":313.00998,"end":316.05,"sentiment":"neutral","sentiment_score":0.13048789836466312},{"text":"Go for it.","start":316.05,"end":316.87,"sentiment":"neutral","sentiment_score":0.16934255262215933},{"text":"Yeah.","start":321.33,"end":321.72998,"sentiment":"neutral","sentiment_score":0.2744056284427643},{"text":"Perfect.","start":321.72998,"end":322.22998,"sentiment":"positive","sentiment_score":0.426382452249527},{"text":"I was gonna kind of walk you through all the disclaimers in in the document kind of thing.","start":323.10498,"end":326.945,"sentiment":"neutral","sentiment_score":0.1877642505698734}],"sentiment":"neutral","sentiment_score":0.18169275599141274,"num_words":31,"start":313.00998,"end":326.945},{"sentences":[{"text":"It just goes over, you know, we don't have every single detail about everything in your life.","start":326.945,"end":331.60498,"sentiment":"neutral","sentiment_score":0.10960874925641452},{"text":"It's got the scope, which was just trying to make sure your super wasn't plummeting and it moved into something stable so that you can withdraw the funds for the house.","start":331.82498,"end":340.14,"sentiment":"neutral","sentiment_score":0.15759431462614767},{"text":"And then it's just got all the different pros and cons of, hey.","start":340.2,"end":342.84,"sentiment":"neutral","sentiment_score":-0.008264520563758336},{"text":"If you go from this portfolio to this fund, you might not get as big a return, all that kind of stuff.","start":342.84,"end":348.38,"sentiment":"neutral","sentiment_score":-0.17586388506672598},{"text":"But if that sounds good to you, I've sent it through.","start":351.215,"end":353.95502,"sentiment":"positive","sentiment_score":0.4632446942004291}],"sentiment":"neutral","sentiment_score":0.083702339235931,"num_words":94,"start":326.945,"end":353.95502},{"sentences":[{"text":"It's on it's kind of like a DocuSign, like our OdooSign, where you basically just hit the purple sign button will bring up the six documents.","start":354.73502,"end":362.995,"sentiment":"neutral","sentiment_score":0.11484191280144912},{"text":"It'll let you scroll through to read them.","start":363.31,"end":365.25,"sentiment":"neutral","sentiment_score":0.18736214935779572},{"text":"Once you're happy with it, you just sign the authority to proceed and the consent form.","start":365.47,"end":369.81,"sentiment":"neutral","sentiment_score":0.2675684280693531},{"text":"Skip next document, next document for the next four, and then hit validate.","start":370.03,"end":374.37,"sentiment":"neutral","sentiment_score":0.10406832511608417},{"text":"That'll come back to us.","start":374.91,"end":376.03,"sentiment":"neutral","sentiment_score":0.23890301883220671}],"sentiment":"neutral","sentiment_score":0.16637183966882088,"num_words":68,"start":354.73502,"end":376.03},{"sentences":[{"text":"And then next week, I'll I'll line up all the applications and everything.","start":376.03,"end":380.225,"sentiment":"neutral","sentiment_score":0.18146401643753052},{"text":"And it's going to the the Gmail address.","start":389.005,"end":390.925,"sentiment":"neutral","sentiment_score":-0.033478459576144814},{"text":"Just double check that's the correct one.","start":390.925,"end":392.61,"sentiment":"neutral","sentiment_score":-0.028544042791639055},{"text":"Bob fulshaw 62@gmail.com.","start":395.56998,"end":398.46997,"sentiment":"neutral","sentiment_score":0.05194469913840294},{"text":"It can just take a couple of minutes to load just because the amount of pages on the thing.","start":402.37,"end":406.275,"sentiment":"neutral","sentiment_score":0.008387283471069838}],"sentiment":"neutral","sentiment_score":0.04413177441805601,"num_words":50,"start":376.03,"end":406.275},{"sentences":[{"text":"Yep.","start":418.835,"end":419.335,"sentiment":"neutral","sentiment_score":0.05474549159407616},{"text":"So there's two documents to sign.","start":423.23,"end":425.07,"sentiment":"neutral","sentiment_score":0.026699178541700046},{"text":"So when it opens up the first one, you basically it'll have a button saying begin to pull you to the sign section, or you can just scroll to the bottom of the thirty fourth page.","start":425.07,"end":433.965,"sentiment":"neutral","sentiment_score":0.04056986442042722},{"text":"Once that one's signed, it'll switch you'll switch across to the next one, which is a consent form.","start":436.365,"end":441.165,"sentiment":"neutral","sentiment_score":0.09458404034376144},{"text":"Sign that, and then you just skip through next document, next document, next document until it hits validate.","start":441.165,"end":447.505,"sentiment":"neutral","sentiment_score":0.015917418835063774}],"sentiment":"neutral","sentiment_score":0.046385847432892535,"num_words":79,"start":418.835,"end":447.505},{"sentences":[{"text":"Cool.","start":452.72,"end":452.96,"sentiment":"neutral","sentiment_score":0.1285727620124817},{"text":"Any questions for me at this point?","start":452.96,"end":454.58,"sentiment":"neutral","sentiment_score":0.024432666865842684},{"text":"Cool.","start":459.19998,"end":459.52,"sentiment":"neutral","sentiment_score":0.18643245100975037},{"text":"Cool.","start":459.52,"end":459.75998,"sentiment":"neutral","sentiment_score":0.13410380482673645},{"text":"Now I will have to yeah.","start":459.75998,"end":463.515,"sentiment":"neutral","sentiment_score":-0.032991086753706135}],"sentiment":"neutral","sentiment_score":0.026386947836726904,"num_words":16,"start":452.72,"end":463.515},{"sentences":[{"text":"Yeah.","start":467.355,"end":467.67502,"sentiment":"neutral","sentiment_score":-0.027728531509637833},{"text":"That's right.","start":467.67502,"end":468.315,"sentiment":"neutral","sentiment_score":0.004561745561659336},{"text":"That was the main one over Christmas time.","start":468.315,"end":470.415,"sentiment":"neutral","sentiment_score":-0.005830759182572365},{"text":"Well, the the gold price skyrocketed up until Christmas time.","start":495.345,"end":500.54498,"sentiment":"neutral","sentiment_score":-0.10146823823451996},{"text":"So if you have a look at the old Perth Mint in Australia there, it went up to 7,400 an ounce, and then it went down to 5,700, and it's back up to 6,400 6,200 today.","start":500.54498,"end":514.27,"sentiment":"neutral","sentiment_score":-0.02485386559015347}],"sentiment":"neutral","sentiment_score":-0.03464337995504601,"num_words":57,"start":467.355,"end":514.27},{"sentences":[{"text":"But it had this huge year where it went up, like, a 150%, and Christmas to March is when it went down, and it's been going back up.","start":516.01,"end":523.695,"sentiment":"neutral","sentiment_score":-0.03504525324595826},{"text":"So just have a look at the old gold price online, and you'll be able to see the graph there.","start":523.695,"end":527.45496,"sentiment":"neutral","sentiment_score":-0.016420049034059046},{"text":"It looks kind of crazy.","start":527.45496,"end":528.755,"sentiment":"neutral","sentiment_score":-0.25880182683467867},{"text":"It just went gangbusters.","start":529.77496,"end":530.915,"sentiment":"neutral","sentiment_score":-0.17685270681977272},{"text":"Cool.","start":535.57,"end":536.07,"sentiment":"neutral","sentiment_score":0.2301249802112579}],"sentiment":"neutral","sentiment_score":-0.05312005263464204,"num_words":58,"start":516.01,"end":536.07},{"sentences":[{"text":"Yeah.","start":543.57,"end":543.88995,"sentiment":"neutral","sentiment_score":0.10760463029146194},{"text":"That'll come back to us.","start":543.88995,"end":544.85,"sentiment":"neutral","sentiment_score":0.09310785979032517},{"text":"It'll give you a signed copy over the email, and then I've basically I'm gonna be watching your account every day to get the pension application off to you.","start":544.85,"end":553.565,"sentiment":"neutral","sentiment_score":0.10074096095973048},{"text":"Once it goes across, I'll time when I actually put you into that credit fund when you're above $1.77.","start":553.625,"end":560.20996,"sentiment":"neutral","sentiment_score":0.046408766096359806},{"text":"Cool.","start":563.87,"end":564.37,"sentiment":"positive","sentiment_score":0.4161563515663147}],"sentiment":"neutral","sentiment_score":0.08713735826313496,"num_words":55,"start":543.57,"end":564.37},{"sentences":[{"text":"Easy done.","start":565.70996,"end":566.61,"sentiment":"positive","sentiment_score":0.5048054456710815},{"text":"Anything else I can help with in between?","start":566.99,"end":568.85,"sentiment":"neutral","sentiment_score":0.183543398976326},{"text":"Mate, I've got an unfinished deck next to me, 80% of the way through.","start":575.635,"end":578.835,"sentiment":"neutral","sentiment_score":-0.04959800732987268},{"text":"So we're gonna do the railings on the weekend.","start":578.835,"end":580.615,"sentiment":"neutral","sentiment_score":0.042794177722599774},{"text":"I can get my uncle over because he's a, you know, 60 year old Croatian fellow who's been building stuff for years, but he's a he's a bit past it too.","start":581.395,"end":588.995,"sentiment":"neutral","sentiment_score":-0.07070403263693856}],"sentiment":"neutral","sentiment_score":-0.0003608036204241216,"num_words":64,"start":565.70996,"end":588.995},{"sentences":[{"text":"He said, neither does.","start":588.995,"end":591.26,"sentiment":"neutral","sentiment_score":-0.11754625476896763},{"text":"They're gonna help you?","start":591.72,"end":592.86,"sentiment":"neutral","sentiment_score":-0.027214061236009},{"text":"Awesome.","start":595.8,"end":596.3,"sentiment":"positive","sentiment_score":0.4798045754432678},{"text":"Well, look, I really appreciate you.","start":596.36,"end":598.22,"sentiment":"positive","sentiment_score":0.45479266593853634},{"text":"Playing, are you gonna do some diagrams for it?","start":600.04,"end":602.04,"sentiment":"neutral","sentiment_score":0.03584449572695626}],"sentiment":"neutral","sentiment_score":0.12300499035821606,"num_words":24,"start":588.995,"end":602.04},{"sentences":[{"text":"Or do you have to draw up some plans, or is it just a matter of going to Bunnings?","start":602.04,"end":608.485,"sentiment":"neutral","sentiment_score":-0.005683530538686012},{"text":"Hopefully, the council doesn't stuff you Fingers crossed.","start":625.12,"end":631.875,"sentiment":"neutral","sentiment_score":-0.09811715572141111},{"text":"No.","start":632.17505,"end":632.41504,"sentiment":"neutral","sentiment_score":-0.03526153787970543},{"text":"But I just wanted to say thank you for giving us a buzz back.","start":632.41504,"end":635.635,"sentiment":"neutral","sentiment_score":0.29421996751001905},{"text":"I wanted to get that sorted out for you and good outcome.","start":635.935,"end":638.67505,"sentiment":"positive","sentiment_score":0.3783264495432377}],"sentiment":"neutral","sentiment_score":0.14316316806987203,"num_words":54,"start":602.04,"end":638.67505},{"sentences":[{"text":"And, mate, just have a brilliant weekend.","start":639.14996,"end":641.49,"sentiment":"positive","sentiment_score":0.5715906918048859},{"text":"Cheers, mate.","start":652.02997,"end":652.67,"sentiment":"positive","sentiment_score":0.6524145901203156},{"text":"Have a good one.","start":652.67,"end":655.2874,"sentiment":"positive","sentiment_score":0.4176018722355366}],"sentiment":"positive","sentiment_score":0.5366439624474599,"num_words":13,"start":639.14996,"end":655.2874}]}}]},{"alternatives":[{"transcript":"Yeah. Good, mate. Yourself? Yeah. Nice idea. Good. Mate, are you on speakerphone or something? Yeah. It's a bit better. Yeah. Just walk me through it, mate. All good. Yep. Yeah. Yeah. But you were supposed to get back to me about putting it in the you were gonna do a plan up or something and get me to look at it because you were gonna put it into my bank account or something, but you never got back to me. Yep. Hello? Yep. Yep. Yep. Yep. Yep. Yeah. Okay. Yep. Yep. What what what's that, Mike? Yep. Yeah. Okay. Well, I just wanna I just if I'm gonna put it into a pension account, whatever, I just wanna be able to use it to start building my house. Yep. Yep. Yeah. I got it. Yep. Sounds sounds good. Yep. Yep. Yep. Yeah. Okay. Yeah. We're gonna get started on there. I said, no. That'd be good because I'm gonna be able to get started on the house. Yep. Yep. Yep. Mhmm. Go ahead. Just hang on a minute. I'll just go y'all pull that up now if it's come up. No. It doesn't come up yet. Let me see. Yep. Oh, yeah. That's it. Yep. Yeah. What I'll do is and what did you say again about I'll get I'll pick I'll get on to the doc sign, and I'm gonna sign how many pages? Yep. Yep. Yeah. Okay. Yep. Yep. Oh, yeah. I can't get it. Yep. Too easy. I'm just waiting for it to come through and do that. No, mate. No. All good. No. I just want to talk about you said that the gold had dropped. Yeah. Well, see, this is I've spoken to so many people. Like, my wife didn't lose anything. My my I spoke with my son about it. He's riding the chairs and all that type of stuff. And he and he said too. He says, no. He says, there's been no drop in gold. He said, if anything, he said it went up. That's that's why I was I was saying, well, that's that's strange. Yep. Yep. Yeah. Okay. Alright. Yeah. Alright. No worries, mate. That's all good. I'll call sign that and that'll once I sign it and finish it, that'll automatically go back to your monitor. Yep. Yep. Yep. Yep. Yeah. No worries. Alrighty. Thank you. No, mate. All good. Unless you're good unless you're good at building houses. Yeah. Yeah, mate. Yeah. Yeah. Yeah. I'm just gonna get all the plans done here on you. Yeah. All good. Somewhat? No. No. No. No. I've I've gotta go to a a draftsman and getting to draw up the plans and all that sort of stuff. And yeah. And then I'll just get go and see a certified. I'll get it put to the council and go from there. Hopefully, mate. Hopefully. It's what it is. Yep. Yeah. I will. Mate, yeah, I I I was on the phone when you rang. So that's yeah. So anyway all good, mate. Have a good weekend yourself, and I'll I'll talk to you soon. Bye, mate. 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Good, mate. Yourself? Yeah. Nice idea.\n\nGood. Mate, are you on speakerphone or something? Yeah. It's a bit better. Yeah.\n\nJust walk me through it, mate. All good. Yep. Yeah. Yeah.\n\nBut you were supposed to get back to me about putting it in the you were gonna do a plan up or something and get me to look at it because you were gonna put it into my bank account or something, but you never got back to me. Yep. Hello? Yep. Yep.\n\nYep. Yep. Yep. Yeah. Okay.\n\nYep. Yep. What what what's that, Mike? Yep. Yeah.\n\nOkay. Well, I just wanna I just if I'm gonna put it into a pension account, whatever, I just wanna be able to use it to start building my house. Yep. Yep. Yeah.\n\nI got it. Yep. Sounds sounds good. Yep. Yep.\n\nYep. Yeah. Okay. Yeah. We're gonna get started on there.\n\nI said, no. That'd be good because I'm gonna be able to get started on the house. Yep. Yep. Yep.\n\nMhmm. Go ahead. Just hang on a minute. I'll just go y'all pull that up now if it's come up. No.\n\nIt doesn't come up yet. Let me see. Yep. Oh, yeah. That's it.\n\nYep. Yeah. What I'll do is and what did you say again about I'll get I'll pick I'll get on to the doc sign, and I'm gonna sign how many pages? Yep. Yep.\n\nYeah. Okay. Yep. Yep. Oh, yeah.\n\nI can't get it. Yep. Too easy. I'm just waiting for it to come through and do that. No, mate.\n\nNo. All good. No. I just want to talk about you said that the gold had dropped. Yeah.\n\nWell, see, this is I've spoken to so many people. Like, my wife didn't lose anything. My my I spoke with my son about it. He's riding the chairs and all that type of stuff. And he and he said too.\n\nHe says, no. He says, there's been no drop in gold. He said, if anything, he said it went up. That's that's why I was I was saying, well, that's that's strange. Yep.\n\nYep. Yeah. Okay. Alright. Yeah.\n\nAlright. No worries, mate. That's all good. I'll call sign that and that'll once I sign it and finish it, that'll automatically go back to your monitor. Yep.\n\nYep. Yep. Yep. Yeah. No worries.\n\nAlrighty. Thank you. No, mate. All good. Unless you're good unless you're good at building houses.\n\nYeah. Yeah, mate. Yeah. Yeah. Yeah.\n\nI'm just gonna get all the plans done here on you. Yeah. All good. Somewhat? No.\n\nNo. No. No. I've I've gotta go to a a draftsman and getting to draw up the plans and all that sort of stuff. And yeah.\n\nAnd then I'll just get go and see a certified. I'll get it put to the council and go from there. Hopefully, mate. Hopefully. It's what it is.\n\nYep. Yeah. I will. Mate, yeah, I I I was on the phone when you rang. So that's yeah.\n\nSo anyway all good, mate. Have a good weekend yourself, and I'll I'll talk to you soon. Bye, mate. Bye.","paragraphs":[{"sentences":[{"text":"Yeah.","start":5.44,"end":5.68,"sentiment":"neutral","sentiment_score":0.2322278618812561},{"text":"Good, mate.","start":5.68,"end":6.16,"sentiment":"positive","sentiment_score":0.4934122562408447},{"text":"Yourself?","start":6.16,"end":6.66,"sentiment":"positive","sentiment_score":0.42937231063842773},{"text":"Yeah.","start":11.92,"end":12.24,"sentiment":"neutral","sentiment_score":0.30964115262031555},{"text":"Nice idea.","start":12.24,"end":12.98,"sentiment":"positive","sentiment_score":0.6426030397415161}],"sentiment":"positive","sentiment_score":0.46332455958638874,"num_words":7,"start":5.44,"end":12.98},{"sentences":[{"text":"Good.","start":14.639999,"end":15.139999,"sentiment":"positive","sentiment_score":0.5336341261863708},{"text":"Mate, are you on speakerphone or 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people.","start":471.125,"end":473.445,"sentiment":"neutral","sentiment_score":-0.0094029126688838},{"text":"Like, my wife didn't lose anything.","start":473.445,"end":475.445,"sentiment":"neutral","sentiment_score":-0.037872131913900375},{"text":"My my I spoke with my son about it.","start":475.445,"end":477.285,"sentiment":"neutral","sentiment_score":-0.035641131094760366},{"text":"He's riding the chairs and all that type of stuff.","start":477.285,"end":479.545,"sentiment":"neutral","sentiment_score":-0.0556846484541893},{"text":"And he and he said too.","start":479.605,"end":480.965,"sentiment":"neutral","sentiment_score":-0.04730264407893022}],"sentiment":"neutral","sentiment_score":-0.03616327919611117,"num_words":41,"start":471.125,"end":480.965},{"sentences":[{"text":"He says, no.","start":480.965,"end":481.52502,"sentiment":"neutral","sentiment_score":-0.09295862416426341},{"text":"He says, there's been no drop in 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a a draftsman and getting to draw up the plans and all that sort of stuff.","start":610.22,"end":616.245,"sentiment":"neutral","sentiment_score":-0.12968330546503976},{"text":"And yeah.","start":616.245,"end":616.985,"sentiment":"neutral","sentiment_score":-0.026724479161202908}],"sentiment":"neutral","sentiment_score":-0.12313068163796113,"num_words":26,"start":609.74,"end":616.985},{"sentences":[{"text":"And then I'll just get go and see a certified.","start":617.845,"end":620.425,"sentiment":"neutral","sentiment_score":-0.024667766690254212},{"text":"I'll get it put to the council and go from there.","start":620.485,"end":623.465,"sentiment":"neutral","sentiment_score":-0.04385553097183054},{"text":"Hopefully, mate.","start":628.16,"end":629.13995,"sentiment":"neutral","sentiment_score":-0.0569012351334095},{"text":"Hopefully.","start":629.6,"end":630.1,"sentiment":"neutral","sentiment_score":0.011373287066817284},{"text":"It's what it is.","start":631.92,"end":632.89996,"sentiment":"neutral","sentiment_score":-0.03170905262231827}],"sentiment":"neutral","sentiment_score":-0.03422692504578403,"num_words":28,"start":617.845,"end":632.89996},{"sentences":[{"text":"Yep.","start":636.24,"end":636.74,"sentiment":"neutral","sentiment_score":0.27837687730789185},{"text":"Yeah.","start":639.51996,"end":640.01996,"sentiment":"positive","sentiment_score":0.37967729568481445},{"text":"I will.","start":642.045,"end":642.685,"sentiment":"neutral","sentiment_score":0.24962657690048218},{"text":"Mate, yeah, I I I was on the phone when you rang.","start":642.685,"end":645.165,"sentiment":"neutral","sentiment_score":0.07255791251858075},{"text":"So that's yeah.","start":645.165,"end":646.5349,"sentiment":"neutral","sentiment_score":0.10958962887525558}],"sentiment":"neutral","sentiment_score":0.12404058756012666,"num_words":19,"start":636.24,"end":646.5349},{"sentences":[{"text":"So anyway all good, mate.","start":646.75494,"end":648.0349,"sentiment":"neutral","sentiment_score":0.22793640494346618},{"text":"Have a good weekend yourself, and I'll I'll talk to you soon.","start":648.0349,"end":650.69495,"sentiment":"positive","sentiment_score":0.6797250409921011},{"text":"Bye, mate.","start":653.9549,"end":654.43494,"sentiment":"positive","sentiment_score":0.42811377346515656},{"text":"Bye.","start":654.43494,"end":654.93494,"sentiment":"neutral","sentiment_score":0.11674535274505617}],"sentiment":"positive","sentiment_score":0.5134677708148956,"num_words":20,"start":646.75494,"end":654.93494}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Bob, good morning. It's Tommy here, mate. How are you doing?\n\nChannel 1: Yeah. Good, mate. Yourself?\n\nChannel 0: Living the dream. It's a beautiful, cool, sunny day on the Gold Coast. What about your end?\n\nChannel 1: Yeah. Nice idea.\n\nChannel 0: Good to hear, mate.\n\nChannel 1: Good.\n\nChannel 0: Good to hear. Mate, thank you so much for calling back in. Really appreciate it. Couple of things I need to run through with you. I do have a bit of an email I was gonna send through to you as well.\n\nWill you get a look onto it with me, or should I just walk you through what I'm sending?\n\nChannel 1: Mate, are you on speakerphone or something?\n\nChannel 0: I've just got the earphones in. Let me switch it around. I'll be too set. Sorry about that. Is that a bit better?\n\nChannel 1: Yeah. It's a bit better. Yeah.\n\nChannel 0: Thank you so much for that, mate. I was just wondering with an email I'm sending through, will you be able to look onto it with me, or should I just kinda walk you through it?\n\nChannel 1: Just walk me through it, mate. All good.\n\nChannel 0: Easy done. Easy done. So I have one bit of bad news for you previously and five bits of good news for you. Quick recap. So when we last spoke, we had your superannuation dropped down from a 178,000 to a 170,000, and we\n\nChannel 1: Yep.\n\nChannel 0: were switching it over to that fixed interest fund, the the Latrobe fund. Does that ring a bell?\n\nChannel 1: Yeah. Yeah. But you were supposed to get back to me about putting it in the you were gonna do a plan up or something and get me to look at it because you were gonna put it into my bank account or something,\n\nChannel 0: So yep.\n\nChannel 1: but you never got back to me.\n\nChannel 0: So what basically happened is as soon as we got off that phone call, the stock market started exploding. And when\n\nChannel 1: Yep.\n\nChannel 0: we were putting the plan together, it dropped down to 162,000 in March.\n\nChannel 1: Hello?\n\nChannel 0: Now what's happened since so what I've done is I've basically been onto your account every week since, and we've managed to build it back up to a 177,000. At the same time, my plan with you would basically get you to a $180 so you could pull\n\nChannel 1: Yep.\n\nChannel 0: it out for the house. Does that ring a bell?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Cool. So now that we've gotten it back up to $1.77, they've actually increased the interest rates for that fund almost to 7%. It'll hit 7% as soon as the RBA increases the interest rates, I think, next month.\n\nChannel 1: Yep.\n\nChannel 0: So, basically, what I wanna do is I wanna switch your super over to a pension account so that we can organize the withdrawal for you at any point that you would like it.\n\nChannel 1: Yep. Yeah. Okay.\n\nChannel 0: That'll get rid of all the capital gains tax that might happen inside the super, which will save you about 5,000, and it will keep\n\nChannel 1: Yep.\n\nChannel 0: it to zero. So we switch it into a pension account. I\n\nChannel 1: Yep.\n\nChannel 0: can put it into that credit fund again at 7%, and you can sell it each month without exit fees. Netwealth allows you to sell a twelve month fund every month.\n\nChannel 1: What what what's that, Mike?\n\nChannel 0: So, you know, normally, if you have a term deposit, you lock it away for twelve months.\n\nChannel 1: Yep.\n\nChannel 0: Netwealth allows you to actually buy and sell the thing once every month. So if you locked it away for twelve months, you get a month in, two months in, three months in, and sell it without an exit fee.\n\nChannel 1: Yeah. Okay. Well, I just wanna I just if I'm gonna put it into a pension account, whatever, I just wanna be able to use it to start building my house.\n\nChannel 0: Yeah. Pretty much. So what I'll do is I wanna get it across to the pension account into that credit fund. So every month, it's gonna be getting between 800 to a thousand dollars interest. It'll\n\nChannel 1: Yep.\n\nChannel 0: hit that $1.80 mark pretty quickly. And then to give you enough leeway, I can set the withdrawal to June because it's financial year based, but you can have\n\nChannel 1: Yep.\n\nChannel 0: full access to the funds at any point between then and June. So if you wanted a small amount, a large amount, you could withdraw whatever you like.\n\nChannel 1: Yeah. I got it. Yep.\n\nChannel 0: That sound alright?\n\nChannel 1: Sounds sounds good.\n\nChannel 0: Awesome. So the plan I'm sending you through is exactly to do that. They I'm not gonna lie. It's it's quite ridiculous how many pages this thing has just from\n\nChannel 1: Yep.\n\nChannel 0: legal speak and disclaimers and things like that. It's basically got a bunch of supporting documents like research, product documents, updates from Netwealth, and so on. It has a consent form for us because I have to drop the fees down to 1.1 for you so we can still remain advisers on the account to help with moving it around, selling it down, all that kind of thing. The statement of advice, as soon as you sign that one, I'll get the guys to organize the pension application for you to switch it across.\n\nChannel 1: Yep.\n\nChannel 0: Once we move it across, I'll put it into that credit fund, and then it's just simple matter of linking a bank account to it, and and then you're off to the races.\n\nChannel 1: Yep. Yeah. Okay. Yeah. We're\n\nChannel 0: Cool.\n\nChannel 1: gonna\n\nChannel 0: So\n\nChannel 1: get started\n\nChannel 0: I was\n\nChannel 1: on\n\nChannel 0: gonna\n\nChannel 1: there.\n\nChannel 0: walk you through sorry. Go for it.\n\nChannel 1: I said, no. That'd be good because I'm gonna be able to get started on the house.\n\nChannel 0: Yeah. Perfect. I was gonna kind of walk you through all the disclaimers in in the document kind of thing. It just goes over, you know, we don't have every single detail about everything in your life. It's got the scope, which was just trying to make sure your super wasn't plummeting and it moved into something stable so that you can withdraw the funds for the house.\n\nAnd then it's\n\nChannel 1: Yep.\n\nChannel 0: just got all the different pros and cons of, hey. If you go from this portfolio to this fund, you might not get as big a return, all that kind of stuff.\n\nChannel 1: Yep. Yep.\n\nChannel 0: But if that sounds good to you, I've sent it through.\n\nChannel 1: Mhmm.\n\nChannel 0: It's on it's kind of like a DocuSign, like our OdooSign, where you basically just hit the purple sign button will bring up the six documents. It'll let you scroll through to read them. Once you're happy with it, you just sign the authority to proceed and the consent form. Skip next document, next document for the next four, and then hit validate. That'll come back to us.\n\nAnd then next week, I'll I'll line up all the applications and everything.\n\nChannel 1: Go ahead. Just hang on a minute. I'll just go y'all pull that up now if it's come up. No. It doesn't come up yet.\n\nChannel 0: And\n\nChannel 1: Let\n\nChannel 0: it's\n\nChannel 1: me see.\n\nChannel 0: going to the the Gmail address. Just double check that's the correct one.\n\nChannel 1: Yep. Oh, yeah.\n\nChannel 0: Bob fulshaw\n\nChannel 1: That's\n\nChannel 0: 62@gmail.com.\n\nChannel 1: it. Yep.\n\nChannel 0: It can just take a couple of minutes to load just because the amount of pages on the thing.\n\nChannel 1: Yeah. What I'll do is and what did you say again about I'll get I'll pick I'll get on to the doc sign,\n\nChannel 0: Yep.\n\nChannel 1: and I'm gonna sign how many pages?\n\nChannel 0: So there's two documents to sign. So when it opens\n\nChannel 1: Yep.\n\nChannel 0: up the first one, you basically it'll have a button saying begin to pull you\n\nChannel 1: Yep.\n\nChannel 0: to the sign section, or you can just scroll to the bottom of the thirty fourth page.\n\nChannel 1: Yeah. Okay. Yep.\n\nChannel 0: Once that one's signed, it'll switch you'll switch across to the next one, which is a consent form. Sign that, and then you just skip\n\nChannel 1: Yep.\n\nChannel 0: through next document, next document, next document\n\nChannel 1: Oh, yeah. I\n\nChannel 0: until\n\nChannel 1: can't get\n\nChannel 0: it hits\n\nChannel 1: it.\n\nChannel 0: validate.\n\nChannel 1: Yep. Too easy. I'm just waiting for it\n\nChannel 0: Cool.\n\nChannel 1: to come\n\nChannel 0: Any\n\nChannel 1: through\n\nChannel 0: questions\n\nChannel 1: and\n\nChannel 0: for\n\nChannel 1: do\n\nChannel 0: me at\n\nChannel 1: that.\n\nChannel 0: this point?\n\nChannel 1: No, mate. No. All good. No.\n\nChannel 0: Cool. Cool. Now I will have to\n\nChannel 1: I just want\n\nChannel 0: yeah.\n\nChannel 1: to talk about you said that the gold had dropped.\n\nChannel 0: Yeah. That's right. That was the main one over Christmas time.\n\nChannel 1: Yeah. Well, see, this is I've spoken to so many people. Like, my wife didn't lose anything. My my I spoke with my son about it. He's riding the chairs and all that type of stuff.\n\nAnd he and he said too. He says, no. He says, there's been no drop in gold. He said, if anything, he said it went up. That's that's why I was I was saying, well, that's that's strange.\n\nChannel 0: Well, the the gold price skyrocketed up until Christmas time. So if you have a look\n\nChannel 1: Yep.\n\nChannel 0: at the old Perth Mint in Australia there, it went up to 7,400 an ounce, and then it went down to 5,700, and it's back up to 6,400 6,200 today. But it had this huge year where it went up, like, a 150%, and Christmas to March is when it went down, and it's been going back up. So just have a look at the old gold price online, and you'll be able to see the graph there. It looks kind of crazy. It just went gangbusters.\n\nChannel 1: Yep. Yeah. Okay. Alright. Yeah.\n\nAlright.\n\nChannel 0: Cool.\n\nChannel 1: No worries, mate. That's all good. I'll call sign that and that'll once I sign it and finish it, that'll automatically go back to your\n\nChannel 0: Yeah. That'll come back to us.\n\nChannel 1: monitor.\n\nChannel 0: It'll give you a signed copy\n\nChannel 1: Yep.\n\nChannel 0: over the email, and then\n\nChannel 1: Yep.\n\nChannel 0: I've basically I'm gonna be watching your account every day to get the pension application\n\nChannel 1: Yep.\n\nChannel 0: off to you. Once it goes\n\nChannel 1: Yep.\n\nChannel 0: across, I'll time when I actually put you into that credit fund when\n\nChannel 1: Yeah.\n\nChannel 0: you're above $1.77.\n\nChannel 1: No worries.\n\nChannel 0: Cool. Easy\n\nChannel 1: Alrighty.\n\nChannel 0: done.\n\nChannel 1: Thank you.\n\nChannel 0: Anything else I can help with in between?\n\nChannel 1: No, mate. All good. Unless you're good unless you're good at building houses.\n\nChannel 0: Mate, I've got an unfinished deck next to me, 80% of the way through. So we're gonna do the railings on the weekend. I can get my uncle over because he's a, you know, 60 year old Croatian fellow who's been building stuff for years, but he's a he's a bit past it too. He said, neither does. They're gonna help you?\n\nChannel 1: Yeah. Yeah, mate. Yeah. Yeah. Yeah.\n\nI'm just gonna\n\nChannel 0: Awesome.\n\nChannel 1: get all the\n\nChannel 0: Well,\n\nChannel 1: plans\n\nChannel 0: look,\n\nChannel 1: done\n\nChannel 0: I really\n\nChannel 1: here on\n\nChannel 0: appreciate\n\nChannel 1: you.\n\nChannel 0: you.\n\nChannel 1: Yeah.\n\nChannel 0: Playing, are you\n\nChannel 1: All\n\nChannel 0: gonna\n\nChannel 1: good.\n\nChannel 0: do some diagrams for it? Or\n\nChannel 1: Somewhat?\n\nChannel 0: do you have to draw up some plans, or is it just a matter of going to Bunnings?\n\nChannel 1: No. No. No. No. I've I've gotta go to a a draftsman and getting to draw up the plans and all that sort of stuff.\n\nAnd yeah. And then I'll just get go and see a certified. I'll get it put to the council and go from there.\n\nChannel 0: Hopefully, the council doesn't stuff you\n\nChannel 1: Hopefully, mate. Hopefully.\n\nChannel 0: Fingers crossed.\n\nChannel 1: It's what\n\nChannel 0: No.\n\nChannel 1: it is.\n\nChannel 0: But I just wanted to say thank you for giving us a buzz back. I wanted\n\nChannel 1: Yep.\n\nChannel 0: to get that sorted out for you and good outcome. And,\n\nChannel 1: Yeah.\n\nChannel 0: mate, just have a brilliant weekend.\n\nChannel 1: I will. Mate, yeah, I I I was on the phone when you rang. So that's yeah. So anyway all good, mate. Have a good weekend yourself, and I'll I'll talk to you soon.\n\nChannel 0: Cheers, mate. Have a good\n\nChannel 1: Bye, mate. Bye.\n\nChannel 0: one.","paragraphs":[{"sentences":[{"text":"Bob, good morning.","start":2.56,"end":3.36,"sentiment":"neutral","sentiment_score":0.2727234661579132},{"text":"It's Tommy here, mate.","start":3.36,"end":4.24,"sentiment":"neutral","sentiment_score":0.22740740329027176},{"text":"How are you doing?","start":4.24,"end":5.06,"sentiment":"neutral","sentiment_score":0.19491653516888618}],"sentiment":"neutral","sentiment_score":0.22795146839185196,"channel":0,"num_words":11,"start":2.56,"end":5.06},{"sentences":[{"text":"Yeah.","start":5.44,"end":5.68,"sentiment":"neutral","sentiment_score":0.2322278618812561},{"text":"Good, mate.","start":5.68,"end":6.16,"sentiment":"positive","sentiment_score":0.4934122562408447},{"text":"Yourself?","start":6.16,"end":6.66,"sentiment":"positive","sentiment_score":0.42937231063842773}],"sentiment":"positive","sentiment_score":0.4121061712503433,"channel":1,"num_words":4,"start":5.44,"end":6.66},{"sentences":[{"text":"Living the dream.","start":7.44,"end":8.16,"sentiment":"positive","sentiment_score":0.5814691583315531},{"text":"It's a beautiful, cool, sunny day on the Gold Coast.","start":8.16,"end":10.4,"sentiment":"positive","sentiment_score":0.6873590648174286},{"text":"What about your end?","start":10.4,"end":11.46,"sentiment":"neutral","sentiment_score":0.13208124972879887}],"sentiment":"positive","sentiment_score":0.53801900718142,"channel":0,"num_words":17,"start":7.44,"end":11.46},{"sentences":[{"text":"Yeah.","start":11.92,"end":12.24,"sentiment":"neutral","sentiment_score":0.30964115262031555},{"text":"Nice idea.","start":12.24,"end":12.98,"sentiment":"positive","sentiment_score":0.6426030397415161}],"sentiment":"positive","sentiment_score":0.5316157440344492,"channel":1,"num_words":3,"start":11.92,"end":12.98},{"sentences":[{"text":"Good to hear, mate.","start":14.08,"end":14.799999,"sentiment":"positive","sentiment_score":0.5862623304128647}],"sentiment":"positive","sentiment_score":0.5862623304128647,"channel":0,"num_words":4,"start":14.08,"end":14.799999},{"sentences":[{"text":"Good.","start":14.639999,"end":15.139999,"sentiment":"positive","sentiment_score":0.5336341261863708}],"sentiment":"positive","sentiment_score":0.5336341261863708,"channel":1,"num_words":1,"start":14.639999,"end":15.139999},{"sentences":[{"text":"Good to hear.","start":14.799999,"end":15.585,"sentiment":"positive","sentiment_score":0.5432652235031128},{"text":"Mate, thank you so much for calling back in.","start":15.985,"end":17.985,"sentiment":"positive","sentiment_score":0.6643271115091112},{"text":"Really appreciate it.","start":17.985,"end":18.945,"sentiment":"positive","sentiment_score":0.6890201568603516},{"text":"Couple of things I need to run through with you.","start":18.945,"end":21.125,"sentiment":"neutral","sentiment_score":0.06940414551645517},{"text":"I do have a bit of an email I was gonna send through to you as well.","start":22.465,"end":26.645,"sentiment":"neutral","sentiment_score":0.03676784279591897}],"sentiment":"neutral","sentiment_score":0.26178321255637066,"channel":0,"num_words":42,"start":14.799999,"end":26.645},{"sentences":[{"text":"Will you get a look onto it with me, or should I just walk you through what I'm sending?","start":26.705,"end":30.42,"sentiment":"neutral","sentiment_score":0.02654243500805215}],"sentiment":"neutral","sentiment_score":0.02654243500805215,"channel":0,"num_words":19,"start":26.705,"end":30.42},{"sentences":[{"text":"Mate, are you on speakerphone or something?","start":31.28,"end":33.22,"sentiment":"neutral","sentiment_score":-0.015309739325727736}],"sentiment":"neutral","sentiment_score":-0.015309739325727736,"channel":1,"num_words":7,"start":31.28,"end":33.22},{"sentences":[{"text":"I've just got the earphones in.","start":34.5,"end":35.78,"sentiment":"neutral","sentiment_score":-0.048554390047987304},{"text":"Let me switch it around.","start":35.78,"end":36.98,"sentiment":"neutral","sentiment_score":-0.047130969166755673},{"text":"I'll be too set.","start":36.98,"end":38.12,"sentiment":"neutral","sentiment_score":-0.099826255813241},{"text":"Sorry about that.","start":46.875,"end":47.515,"sentiment":"neutral","sentiment_score":-0.15386435886224112},{"text":"Is that a bit better?","start":47.515,"end":48.495,"sentiment":"neutral","sentiment_score":-0.06810780540108681}],"sentiment":"neutral","sentiment_score":-0.07514862230290538,"channel":0,"num_words":23,"start":34.5,"end":48.495},{"sentences":[{"text":"Yeah.","start":48.995003,"end":49.315002,"sentiment":"neutral","sentiment_score":0.010815014131367208},{"text":"It's a bit better.","start":49.315002,"end":50.115,"sentiment":"neutral","sentiment_score":0.0186434886418283},{"text":"Yeah.","start":50.115,"end":50.615,"sentiment":"neutral","sentiment_score":0.08210602402687073}],"sentiment":"neutral","sentiment_score":0.027915832120925188,"channel":1,"num_words":6,"start":48.995003,"end":50.615},{"sentences":[{"text":"Thank you so much for that, mate.","start":51.515,"end":53.055,"sentiment":"positive","sentiment_score":0.34825276902743746},{"text":"I was just wondering with an email I'm sending through, will you be able to look onto it with me, or should I just kinda walk you through it?","start":53.114998,"end":59.58,"sentiment":"neutral","sentiment_score":0.11599392238362081}],"sentiment":"neutral","sentiment_score":0.16115536478658518,"channel":0,"num_words":36,"start":51.515,"end":59.58},{"sentences":[{"text":"Just walk me through it, mate.","start":60.72,"end":61.920002,"sentiment":"neutral","sentiment_score":0.12223189572493236},{"text":"All good.","start":61.920002,"end":62.58,"sentiment":"neutral","sentiment_score":0.29603274166584015}],"sentiment":"neutral","sentiment_score":0.1656821072101593,"channel":1,"num_words":8,"start":60.72,"end":62.58},{"sentences":[{"text":"Easy done.","start":63.260002,"end":63.82,"sentiment":"neutral","sentiment_score":0.3252897560596466},{"text":"Easy done.","start":63.82,"end":64.380005,"sentiment":"neutral","sentiment_score":0.20574121922254562},{"text":"So I have one bit of bad news for you previously and five bits of good news for you.","start":64.380005,"end":69.92,"sentiment":"neutral","sentiment_score":-0.11417742779380397},{"text":"Quick recap.","start":71.1,"end":71.92,"sentiment":"neutral","sentiment_score":-0.02752409502863884},{"text":"So when we last spoke, we had your superannuation dropped down from a 178,000 to a 170,000, and we","start":72.54,"end":81.615,"sentiment":"neutral","sentiment_score":-0.09240743478662089}],"sentiment":"neutral","sentiment_score":-0.06632042337547649,"channel":0,"num_words":44,"start":63.260002,"end":81.615},{"sentences":[{"text":"Yep.","start":81.595,"end":82.095,"sentiment":"neutral","sentiment_score":-0.06741330772638321}],"sentiment":"neutral","sentiment_score":-0.06741330772638321,"channel":1,"num_words":1,"start":81.595,"end":82.095},{"sentences":[{"text":"were switching it over to that fixed interest fund, the the Latrobe fund.","start":81.615,"end":87.055,"sentiment":"neutral","sentiment_score":-0.06709836108180192},{"text":"Does that ring a bell?","start":87.055,"end":87.99,"sentiment":"neutral","sentiment_score":-0.06262414157390594}],"sentiment":"neutral","sentiment_score":-0.0658555223296086,"channel":0,"num_words":18,"start":81.615,"end":87.99},{"sentences":[{"text":"Yeah.","start":88.84,"end":89.08,"sentiment":"neutral","sentiment_score":-0.04187455400824547},{"text":"Yeah.","start":89.08,"end":89.32,"sentiment":"neutral","sentiment_score":-0.04882676526904106},{"text":"But you were supposed to get back to me about putting it in the you were gonna do a plan up or something and get me to look at it because you were gonna put it into my bank account or something,","start":89.32,"end":100.7,"sentiment":"neutral","sentiment_score":-0.0867805824215923}],"sentiment":"neutral","sentiment_score":-0.08489740411327644,"channel":1,"num_words":44,"start":88.84,"end":100.7},{"sentences":[{"text":"So yep.","start":101.11,"end":102.045,"sentiment":"neutral","sentiment_score":-0.11959796771407127}],"sentiment":"neutral","sentiment_score":-0.11959796771407127,"channel":0,"num_words":2,"start":101.11,"end":102.045},{"sentences":[{"text":"but you never got back to me.","start":102.795,"end":104.335,"sentiment":"neutral","sentiment_score":-0.24229415399687632}],"sentiment":"neutral","sentiment_score":-0.24229415399687632,"channel":1,"num_words":7,"start":102.795,"end":104.335},{"sentences":[{"text":"So what basically happened is as soon as we got off that phone call, the stock market started exploding.","start":105.005,"end":111.825,"sentiment":"neutral","sentiment_score":-0.19444452696724943},{"text":"And when","start":112.205,"end":112.765,"sentiment":"neutral","sentiment_score":-0.1328159049153328}],"sentiment":"neutral","sentiment_score":-0.18857513439087642,"channel":0,"num_words":21,"start":105.005,"end":112.765},{"sentences":[{"text":"Yep.","start":112.715,"end":113.215,"sentiment":"neutral","sentiment_score":-0.07893200218677521}],"sentiment":"neutral","sentiment_score":-0.07893200218677521,"channel":1,"num_words":1,"start":112.715,"end":113.215},{"sentences":[{"text":"we were putting the plan together, it dropped down to 162,000 in March.","start":112.765,"end":117.54,"sentiment":"neutral","sentiment_score":-0.1373593583703041}],"sentiment":"neutral","sentiment_score":-0.1373593583703041,"channel":0,"num_words":13,"start":112.765,"end":117.54},{"sentences":[{"text":"Hello?","start":119.67,"end":120.17,"sentiment":"neutral","sentiment_score":-0.04714376479387283}],"sentiment":"neutral","sentiment_score":-0.04714376479387283,"channel":1,"num_words":1,"start":119.67,"end":120.17},{"sentences":[{"text":"Now what's happened since so what I've done is I've basically been onto your account every week since, and we've managed to build it back up to a 177,000.","start":121.14,"end":130.68,"sentiment":"neutral","sentiment_score":0.1793103572623483},{"text":"At the same time, my plan with you would basically get you to a $180 so you could pull","start":133.05501,"end":139.455,"sentiment":"neutral","sentiment_score":0.19511885548892774}],"sentiment":"neutral","sentiment_score":0.18556788781036934,"channel":0,"num_words":48,"start":121.14,"end":139.455},{"sentences":[{"text":"Yep.","start":139.36499,"end":139.86499,"sentiment":"neutral","sentiment_score":0.20761895179748535}],"sentiment":"neutral","sentiment_score":0.20761895179748535,"channel":1,"num_words":1,"start":139.36499,"end":139.86499},{"sentences":[{"text":"it out for the house.","start":139.455,"end":140.335,"sentiment":"neutral","sentiment_score":0.21301226317882538},{"text":"Does that ring a 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Tommy explains that the plan was supposed to be transferred to his superannuity account, but he never received a call back. The plan is ridiculous and requires a lot of documents, and the customer agrees to go through all disclaimers in the document. The agent provides instructions on signing and filling out documents, and the conversation ends with guidance on how to proceed with the process."},"intents":{"segments":[{"text":"But you were supposed to get back to me about putting it in the you were gonna do a plan up or something and get me to look at it because you were gonna put it into my bank account or something, So yep.","start_word":246,"end_word":289,"intents":[{"intent":"Check account status","confidence_score":0.007890518}]},{"text":"So, basically, what I wanna do is I wanna switch your super over to a pension account so that we can organize the withdrawal for you at any point that you would like it. 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So if you locked it away for twelve months, you get a month in, two months in, three months in, and sell it without an exit fee. Yeah. Okay. Well, I just wanna I just if I'm gonna put it into a pension account, whatever, I just wanna be able to use it to start building my house. Yeah. Pretty much. So what I'll do is I wanna get it across to the pension account into that credit fund. So every month, it's gonna be getting between 800 to a thousand dollars interest. It'll Yep.","start_word":497,"end_word":671,"sentiment":"neutral","sentiment_score":0.15143239412988935},{"text":"hit that $1.80 mark pretty quickly.","start_word":672,"end_word":677,"sentiment":"positive","sentiment_score":0.3798569142818451},{"text":"And then to give you enough leeway, I can set the withdrawal to June because it's financial year based, but you can have Yep. full access to the funds at any point between then and June. So if you wanted a small amount, a large amount, you could withdraw whatever you like. Yeah. I got it. Yep.","start_word":678,"end_word":734,"sentiment":"neutral","sentiment_score":0.18960706889629364},{"text":"That sound alright? Sounds sounds good. Awesome. So the plan I'm sending you through is exactly to do that.","start_word":735,"end_word":753,"sentiment":"positive","sentiment_score":0.4919126331806183},{"text":"They I'm not gonna lie. It's it's quite ridiculous how many pages this thing has just from Yep. legal speak and disclaimers and things like that. It's basically got a bunch of supporting documents like research, product documents, updates from Netwealth, and so on. It has a consent form for us because I have to drop the fees down to 1.1 for you so we can still remain advisers on the account to help with moving it around, selling it down, all that kind of thing. The statement of advice, as soon as you sign that one, I'll get the guys to organize the pension application for you to switch it across. Yep. Once we move it across, I'll put it into that credit fund, and then it's just simple matter of linking a bank account to it, and and then you're off to the races. Yep. Yeah. Okay. Yeah.","start_word":754,"end_word":903,"sentiment":"neutral","sentiment_score":0.10622776299715042},{"text":"We're Cool.","start_word":904,"end_word":905,"sentiment":"positive","sentiment_score":0.4033055305480957},{"text":"gonna So get started I was on gonna there. walk you through sorry. Go for it. I said, no. That'd be good because I'm gonna be able to get started on the house. Yeah.","start_word":906,"end_word":939,"sentiment":"neutral","sentiment_score":0.17119407653808594},{"text":"Perfect.","start_word":940,"end_word":940,"sentiment":"positive","sentiment_score":0.426382452249527},{"text":"I was gonna kind of walk you through all the disclaimers in in the document kind of thing. It just goes over, you know, we don't have every single detail about everything in your life. It's got the scope, which was just trying to make sure your super wasn't plummeting and it moved into something stable so that you can withdraw the funds for the house. And then it's Yep. just got all the different pros and cons of, hey. If you go from this portfolio to this fund, you might not get as big a return, all that kind of stuff. Yep. Yep.","start_word":941,"end_word":1044,"sentiment":"neutral","sentiment_score":0.0709699669566292},{"text":"But if that sounds good to you, I've sent it through.","start_word":1045,"end_word":1055,"sentiment":"positive","sentiment_score":0.4624234437942505},{"text":"Mhmm. It's on it's kind of like a DocuSign, like our OdooSign, where you basically just hit the purple sign button will bring up the six documents. It'll let you scroll through to read them. Once you're happy with it, you just sign the authority to proceed and the consent form. Skip next document, next document for the next four, and then hit validate. That'll come back to us. And then next week, I'll I'll line up all the applications and everything. Go ahead. Just hang on a minute. I'll just go y'all pull that up now if it's come up. No. It doesn't come up yet. And Let it's me see. going to the the Gmail address. Just double check that's the correct one. Yep. Oh, yeah. Bob fulshaw That's 62@gmail.com. it. Yep. It can just take a couple of minutes to load just because the amount of pages on the thing. Yeah. What I'll do is and what did you say again about I'll get I'll pick I'll get on to the doc sign, Yep. and I'm gonna sign how many pages? So there's two documents to sign. So when it opens Yep. up the first one, you basically it'll have a button saying begin to pull you Yep. to the sign section, or you can just scroll to the bottom of the thirty fourth page. Yeah. Okay. Yep. Once that one's signed, it'll switch you'll switch across to the next one, which is a consent form. Sign that, and then you just skip Yep. through next document, next document, next document Oh, yeah. I until can't get it hits it. validate. Yep. Too easy. I'm just waiting for it Cool. to come Any through questions and for do me at that. this point? No, mate. No. All good. No. Cool. Cool. Now I will have to I just want yeah. to talk about you said that the gold had dropped. Yeah. That's right. That was the main one over Christmas time. Yeah. Well, see, this is I've spoken to so many people. Like, my wife didn't lose anything. My my I spoke with my son about it. He's riding the chairs and all that type of stuff. And he and he said too. He says, no. He says, there's been no drop in gold. He said, if anything, he said it went up. That's that's why I was I was saying, well, that's that's strange. Well, the the gold price skyrocketed up until Christmas time. So if you have a look Yep. at the old Perth Mint in Australia there, it went up to 7,400 an ounce, and then it went down to 5,700, and it's back up to 6,400 6,200 today. But it had this huge year where it went up, like, a 150%, and Christmas to March is when it went down, and it's been going back up. So just have a look at the old gold price online, and you'll be able to see the graph there. It looks kind of crazy. It just went gangbusters. Yep. Yeah. Okay. Alright. Yeah. Alright. Cool. No worries, mate.","start_word":1056,"end_word":1577,"sentiment":"neutral","sentiment_score":0.019903462337351394},{"text":"That's all good.","start_word":1578,"end_word":1580,"sentiment":"positive","sentiment_score":0.4632822871208191},{"text":"I'll call sign that and that'll once I sign it and finish it, that'll automatically go back to your Yeah. That'll come back to us. monitor. It'll give you a signed copy Yep. over the email, and then Yep. I've basically I'm gonna be watching your account every day to get the pension application Yep. off to you. Once it goes Yep. across, I'll time when I actually put you into that credit fund when Yeah. you're above $1.77. No worries.","start_word":1581,"end_word":1661,"sentiment":"neutral","sentiment_score":0.09539256704810226},{"text":"Cool. Easy Alrighty. done. Thank you.","start_word":1662,"end_word":1667,"sentiment":"positive","sentiment_score":0.5377683639526367},{"text":"Anything else I can help with in between? No, mate. All good. Unless you're good unless you're good at building houses. Mate, I've got an unfinished deck next to me, 80% of the way through. So we're gonna do the railings on the weekend. I can get my uncle over because he's a, you know, 60 year old Croatian fellow who's been building stuff for years, but he's a he's a bit past it too. He said, neither does. They're gonna help you? Yeah. Yeah, mate. Yeah. Yeah. Yeah. I'm just gonna Awesome.","start_word":1668,"end_word":1760,"sentiment":"neutral","sentiment_score":-0.035760410130023956},{"text":"get all the Well, plans look, done I really here on appreciate you.","start_word":1761,"end_word":1773,"sentiment":"positive","sentiment_score":0.4709383249282837},{"text":"you. Yeah. Playing, are you All gonna good. do some diagrams for it? Or Somewhat? do you have to draw up some plans, or is it just a matter of going to Bunnings? No. No. No. No. I've I've gotta go to a a draftsman and getting to draw up the plans and all that sort of stuff. And yeah. And then I'll just get go and see a certified. I'll get it put to the council and go from there. Hopefully, the council doesn't stuff you Hopefully, mate. Hopefully. Fingers crossed. It's what No. it is. But I just wanted to say thank you for giving us a buzz back. I wanted Yep.","start_word":1774,"end_word":1887,"sentiment":"neutral","sentiment_score":-0.0030509575735777617},{"text":"to get that sorted out for you and good outcome.","start_word":1888,"end_word":1897,"sentiment":"positive","sentiment_score":0.4065224528312683},{"text":"And, Yeah.","start_word":1898,"end_word":1899,"sentiment":"neutral","sentiment_score":0.3167611360549927},{"text":"mate, just have a brilliant weekend.","start_word":1900,"end_word":1905,"sentiment":"positive","sentiment_score":0.605632483959198},{"text":"I will. Mate, yeah, I I I was on the phone when you rang. So that's yeah. So anyway all good, mate.","start_word":1906,"end_word":1927,"sentiment":"neutral","sentiment_score":0.15036892890930176},{"text":"Have a good weekend yourself, and I'll I'll talk to you soon. Cheers, mate. Have a good Bye, mate.","start_word":1928,"end_word":1946,"sentiment":"positive","sentiment_score":0.6159058809280396},{"text":"Bye. one.","start_word":1947,"end_word":1948,"sentiment":"neutral","sentiment_score":0.09551979601383208}],"average":{"sentiment":"neutral","sentiment_score":0.10231506760790546}}}}