{"metadata":{"transaction_key":"deprecated","request_id":"019f1c4d-bfd3-7262-a816-5a31c3a42bcc","sha256":"4702e49c18c3af173ea0e8325d88c685c4c365123a9356691d9fa5fe5061097f","created":"2026-07-01T06:15:38.988Z","duration":1822.6079,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":7440,"output_tokens":109},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":8223,"output_tokens":8239},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":8223,"output_tokens":1096}},"results":{"channels":[{"alternatives":[{"transcript":"Yeah. Matt, are you there? Oh, that's okay. No. You're right. I thought it was me. I was like, oh my god. I lost you. I'm so sorry. All good. So now I got here that you've got one son, which is 21 year old, and the other two kids are 18. They're financial dependent. Yep. Beautiful. Lovely. So happy to keep your beneficiary as it is noted there. Yep. It is. Yeah. Just the three kids. Yeah. Beautiful. I will just double check the MetLife beneficiary as well. Just looking to see if I have that here on record just to make sure. But are you wanting your in your life insurance to be structured the same way beneficiary wise? Yep. I'm just quickly having a look. So insurance beneficiary, I do have the same. So I've got Alexander to get 32%, Jordan to get 36, and Sophie for 32%. So it is structured the same way. Yeah. That's fine. Perfect. Just to make sure that is all paid out as per your wishes. If something was to happen, I'm touching all the wood to make sure that we don't jinx you in any way, shape, or form. No. Excellent. Now you've also got the TBD cover there. So TBD pays out either a lump sum benefit or an income stream in the event that you're unable to ever go back to work again due to permanent incapacity. And if you are TBD, we can also claim TBD on your sofa. One thing I do like to make sure I'll mention to people is if you claim TBD and you are under the age of 60, there are tax consequences. I wholeheartedly disagree with this. But, unfortunately, there is a tax of up to 22% paid on PPD if you do withdraw the full amount and you're under 60. I know it's horrible. I disagree with that in every way, shape, or form. I think the last thing you should be taxed if you're disabled is on your your TBD benefit and your super side of things. With with that, I do also like to point out it's up to 22%. So there is a fun little math equation that got that the super funds all go through when they are paying out to sort of show how much tax would be covered. It could definitely be less than 22%. As as advisers, if you do happen to claim on TPD, we will help you with the claim, but then we will also provide financial advice to show you how to consequences and how to use the funds. So as it pays out what you need to, but so it also stays invested work for you, whether it's drawing an income stream on a regular basis or, you know, drawing certain lump sums every so often. So rest assured as much as that's not a great aspect of TBD, we will provide financial advice in that instance if you did have to claim to sorta help you along. Okay? Yep. Perfect. Now with the TBD, you do have a little bit less. So your current cover is 730,958. And, again, you've got your 162,000 of super, which can be claimed as well. Do you feel like that's a fairly comfortable amount for CBD? Did you wanna kinda look at altering that at all? That's okay. Yep. Beautiful. And then you've got your income protection benefit as well. The current monthly benefit pretax is 6,188. Your income I have here is about 127,000 plus a car. Is that right? Yeah. Beautiful. So if we have a look with income protection, you can be covered for up to 70% of your income. Just having a look at what that looks like. So to be covered for 70% of your current income based at the 127,500, it does mean that we would need to have, sorry, just quickly doing some math for you, a monthly benefit of 7,437 and 50¢. So you are just slightly underinsured there. Given your current circumstances that you are selling the house with everything going on, do you feel like the monthly benefit of 6,188 pretax would be sufficient for you, or did you wanna look at maybe increasing your income protection for that little bit of extra peace of mind? That's okay. Yeah. I can. Yeah. That's okay. Yeah. Absolutely. No. Not a problem at all. And because we are gonna meet in a couple of weeks, you've kind of got this context here. So if something comes up and you go, hey. Maybe I do wanna reassess or maybe, you know, what this scenario, you can always bring those up with me again. We have that secondary conversation to really, knock down, and we can always reassess it at any point. You don't have to wait to end your review time. If something ever comes up, that you wanted us to discuss or look at, you're welcome to let us know. We'll book you in and make sure we have those conversations with you as well. Okay? Beautiful. Lovely. Now just so you are aware, there are other types of insurances that you can hold, things like trauma. And because you do have children, you can also get child trauma policies as well. These sort of policies are paid out of your back pocket, so probably not preferable now with all the changes going on. But, essentially, trauma and child trauma tend to pay out a lump sum tax free benefits in the event that you or your kids are diagnosed as major traumatic events. Some of the bigger ones that are considered are like cancer. For trauma, it also covers things like heart attacks, strokes, Parkinson's, or other neurological conditions. So they are major conditions, that they that you can claim on, and these are the policies can be fairly cheap depending on how much you wanna be covered for. But the problem with trauma and child trauma is you have to pay for it out of your back pocket. So it does depend upon your current cash flow, living expenses, and how everything's going for yourself as to whether you can afford to cover that cost. Whereas, yeah, whereas life and income protection, you can hold inside super and pay out of your super side of things. So there is just that to sort of make sure that you're aware of as well. Are you wanting? Yeah. Yeah. Yeah. Yeah. Yeah. No. That's absolutely fine. That's not a problem at all. Easy done. So that's essentially looking at your super and the insurance side of things. It's good to see things are working there for you. Just looking at goal wise with your super, I mean, I know we're gonna look at sort of the next five to ten years and look at investing outside of super and all the other aspects there for you. But are you sort of hoping to, at the age of 60, maybe be able to start working and access your super, so try to access super at the earliest possible opportunity. What's your thoughts with your super goal? Yeah. Yeah. Beautiful. Yeah. Yeah. Yeah. Absolutely. No. Perfect. Well, what I'll do for your super side of things, I'll work on a goal of 60. That essentially means we're tracking for the earliest possible retirement with your super side, and then essentially gives you the option to continue working if you want to, or you can stop working if you choose to as well. Okay? Yeah. Yep. Yeah. Yeah. Absolutely. And what we'll do is once I've got an idea of your goals and we have that second conversation, I can run all those scenarios for you. I can look at whether we put money into super now and kinda build up to two fifty then stop salary sacrificing and, you know, put money into an investment outside and what that projection looks like or whether we do it simultaneously. I will run all those projections to come up with the advice for you. That's my job to make sure I look at all the different options and scenarios and work out the best one. And then I'll let you know what I'm recommending, why I'm recommending that the advantages, disadvantages, and the risks. And I also put alternatives into the appendix for you as well so you can see other things that we may have considered and why we went with the option we did. But, yeah, though those sorts of scenarios are absolutely worth looking at. Yes. Definitely. It also comes down to what your expendable income looks like, what you have available to you, and what you're comfortable investing as well without, you know, eating too much away the cash flow because you do have kids, and the cost of living is definitely not cheap. It's expensive. Yeah. But no. Those are the things that are definitely worth looking at. Absolutely. Yeah. Perfect. Now at the moment, I know we will sort of update these things down the track, but at the moment, are you finding you are managing to save anything at all at the end of the week, or is everything kinda going into the property whilst you are going through that settlement phase? Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Fantastic. Yep. Yep. Beautiful. Yeah. Yeah. Yeah. Yeah. Yeah. Absolutely. There is an there is an end in sight for you with regard to it. So that absolutely. Yep. No. All good. I've got your contents here. Rough value of about 10,000 currently. Is that what you sort of value your contents at, do you think? Yeah. Yeah. No. That's okay. Yep. Perfect. And then I've also got in here that you because you got a car with your package, Samantha mentioned to me that you've sold the car that you had the Novated lease on, but you still have a residual payment to make of about $8,000. Is that right? Yes. Yes. Yeah. Okay. Yeah. Yeah. Yep. Yeah. Yeah. Yeah. Yep. That's good. No. That's absolutely perfect. Fantastic. And having that gone will be very, very good and starting again. And, look, starting again isn't always bad. It gives you a fresh start. You can start from zero, and then you know the only way is up from there. So not always a bad thing. Yeah. No. It'll be fantastic. Do you have any other assets you'd note down any other I've I don't have because your car is with your employer, so you don't have any other cars, boats, caravans, or anything else to note down? Nope. That's okay. Do you have any shares of cryptocurrency or anything else that you might have had for the last few years? No. That's okay. All good. Estate planning sides of things as well, because you are kinda going through this change and you do have kids, have you thought about drafting up a will with a solicitor? Yep. Yep. Yes. Yeah. Absolutely. So, I mean, the beneficiaries are valid before where they are. And, essentially, the way this would look to work if you were to pass away, your eldest child who is over 21 would be able to then receive the full benefit straight to him. However, your children who are under the age of 18, essentially has to go through the guardian because they can't really make those financial decisions on their own. So it would come down to the guardian, which I assume would be Emily, your ex wife. So she would essentially either have the option of withdrawing the funds to the kids as a whole, or she can look to set up in like, pension income streams in super. And those can stay with the kids until they essentially turn, I think, at 21 these days. And they can be receiving regular income streams. But your eldest child would receive the funds direct to him, being as he is no longer technically a financial dependent under the CIS Act. And then, yeah, the other kids, it would all come down to essentially what your the guardian wants to do with the funds, either draw it out as a full lump sum to be used for the kids, or they can sort of keep that in the super system until they reach a certain age and draw regular income down. So that would all depend on what the guardian wants to do. There is another way to set up your beneficiaries where you can nominate your legal personal representative, and you can do this on your life insurance as well. You just tick the LPR box, and that means a 100% of the benefit goes straight through to your will. And then through your will, you can have things like trust set up for testamentary trust, where you allocate what percentage of your assets go to what child, how you want that set up, who the guardian is that's gonna control the money for the kids. It it sort of just comes down to what what your relationship is and how you think she would handle the money and whether the kids would get the benefit or whether you want a lot more control around how the money is paid to the kids. I know to give you a bit of context in my circumstances, I have an ex husband, and I had two kids to him. So when we split up, I got remarried and had a third child, but my ex husband's terrible with money, and he was horrible to have to deal with. So I essentially set up my will, and I had to trust it up through my will. That meant that my sister and my new husband's sister had control of the funds and had to rejoin signatories so that he had to prove to them that the money was used for our children and for their schooling costs and things like that. And that just gave me a lot more control and certainty that the money would be held for my children in the event of me passing away. So you can have a lot more control with a will around that sort of thing, and that's really important to think about as well. Yeah. Yeah. It's It's a hard it's a hard conversation to have, but it's definitely one to sort of think about and understand. And it also comes down to, you know, what's the relationship between you and Emily like, and what do you think she's likely to do? Is she likely to do the right thing or, you know, how how does she handle money and just sort of having us think about what you want to happen? No. Yeah. Beautiful. Beautiful. Beautiful. Excellent. The right thing. Yeah. Perfect. Perfect. So what I would probably also maybe make mention of is just sort of keeping something somewhere. Because if you were to pass away, let our let your oldest child know that we are your financial advisers and that in the event of a claim occurring, that they just need to call us and we help with the claim process and just letting them know. I mean, I hope nothing happens, but it is really important. It's sort of one thing I have come across as an adviser over the years is that not everyone knows that people have a financial adviser or where their suit is located or their life insurances. And I've had it come across where, you know, a couple of months down the track, someone's passed away and some a family member calls up and goes, hey. I've found your number. Who are you? What have you got? What's happening here? And then you go through the claims process a little bit late, and they didn't know the money was there. They weren't aware of how to get access to it, and they had a bit of a struggle time. So I always do think it's worth just making sure somebody in your family that you trust knows, whether it's your beneficiaries or your ex wife, that they know to in the event of you passing, they just have to call us, and we facilitate the claim with them. We are very security conscious, so they can't just call up willy nilly and ask for information. Essentially, we have to be able to be provided with your will and a death certificate to be able to assist, and we will only be able to speak to the executor. So whoever is the executor of your will and your estate is the one person who can come and help facilitate the claim. So whether that's your eldest child or your ex wife or just somebody else that you trust, that's the person that is able to call that is able to facilitate the claim for your beneficiaries if it's not one of your beneficiaries, and that's how we sort of help them with the process. Yeah. Yeah. There's a there's a lot to it, isn't there? We sort of all think that once once we go, it just all happens, but there's definitely a lot of a lot that happens in the back end around the estate planning, around the the will, and around the claiming on the deceased estate that that we do take into account when we are dealing with this a deceased estate, and that has to happen. So, yeah, there's a lot to happen in the back end. But, yeah, it's pretty cool. And a few things for you to think about too. No. All good. So having a look at things, look, we've gone through most of it now. If you like, what I can do is I can send you through a bit of a general information just on a local solicitor with a bit of a costing if you like, just on how much they charge to do up a will and a power of attorney just to give you something to think about. I can also look into obviously, each state has trustees that can help do wills and things like that as well. I can also do a little bit of research around your local trustee and what they charge to do a will and power of attorney. If you want us to give you some general information for you to have a think about, would you like that, Matthew? Yeah. Beautiful. I'll organize that email for you. It's not an issue at all. Basically, with where we are at the moment, we'll have another conversation in about four weeks. I'll get Sammy to give you a call and book you in so we can kinda have a bit more of a conversation around your goals and what we're looking for advice wise both inside and outside super. You've got a few things to think about with the estate planning side of things there as well. And, obviously, there's a lot going on with the sale of your property. Goal wise, I've got down that we're sort of looking to invest in outside of super. You're sort of looking to see where things are tracking and how we can build wealth both with super and externally over the next five to ten years. And with your super, we're tracking for a goal of accessing 60 to give you that option there. Am I missing anything goal wise or with any of this? Is there anything else that you kind of wanted me to incorporate? Or no. No. Absolutely. Yeah. Yep. No. Perfect. Perfect. I feel like it is good to just let you go through this settlement process first, work out where things are up to once you go through that, look at what your expendable cash is, look at what your income looks like, what your circumstances then also look like. That way, the advice we do provide is accurate and in your best interest. Otherwise, doing that now and then having things change in four weeks means we have to go back and reevaluate the advice if it's no longer in your best interest. So I do personally like to make sure that when we are providing advice that it is in your best interest that we are factoring in all of your circumstances. And if there's an expected change in the short term that we do note and recognize that for you. So I definitely think this is the best course of action, but I'm really looking forward to putting this together for you and running the projections and seeing what we can come up with. So I'm very excited. It'd be good. Fantastic. I've confirmed that your insurance is all good. There's no changes there. But in the next sort of couple of weeks, if you do think about anything that comes up or you wanna reassess them or you feel like the levels of cover aren't accurate, just sort of note down some questions, and we can always go through those again when we speak in about four weeks there. Is there any other goals or anything else that sort of come to mind over the next one year, two years, five years that you think we might need to maybe factor in? Yep. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Yep. Yeah. Yep. Yeah. Absolutely. That's it. That's fine. We can factor in. Yeah. Absolutely. Most definitely. Yeah. No. Not a problem at all. Fantastic. I like it. Well, the only other thing to let you know is when we do come back, I'll kinda go through things in a bit more detail with you. But that ongoing service agreement you do have in the email there is just letting you know you do pay an ongoing service fee for our services looking after your super. It is 1.65% per annum, and then the the amount is deducted out of your super on a monthly basis. So it is linked to the performance of your super. Just so you are aware, if we do recommend investment accounts and things like that, we do also charge an ongoing service fee for the monitoring of those because they are outside of super. However, we take your 1.65% currently, and we split that across. So we'll, you know, look to prorated that across the two different accounts for you. But I'll be able to, as part of the advice, show you what the fee structure looks like and show you what the expected fees are as part of the advice, and then you can let me know whether you're comfortable with doing that or not. But does that make sense, and do you have any questions about the fee structure currently? No. Beautiful. Excellent. You're right. Yeah. You can if you like. Where so you having a look. You're you're in Ipswich. If you wanna come into the office, we can absolutely do it. We're in Southport. So if you wanna do that, that's fine. We can do it by Teams. We can do it over the phone. I'm happy to meet however you would like to. What would you prefer? Yeah. Make a day of it and come to the Gold Coast. Yeah. Absolutely. Absolutely. Well, what I'll do is I'll let Samantha know that that's kind of what your preference is. And when she gives you a call to book you in, I'll get her to give you a call in three weeks. That way, we've got a bit of time, and she can book you in when it suits you. And, yeah, absolutely, if there's a day or time that suits you. The only day I don't work at the moment is Fridays. I have Fridays off to look after my son, but I do work Monday to Thursday, and I'm here from anywhere from 07:30 in the morning right up until about 7PM at So we can make that work. Even Friday is the only time that suits you, she will still book it, and I will come into the office. So do not worry. I just like to let everyone know I'm pretty flexible Fridays. I just try to do it in between school hours because it's technically, I take that day for my son. So I have a little bit of work life balance there. But if Friday is the only day that works for you, I will make it happen, and I'll make sure Samantha's aware of that as well. Okay? Easy. All good. No. That's honestly fine. I have done it before. I know sometimes Fridays are the only day or the best day, especially when you have kids, and I'll make it work. But yeah. Look. Any other day, if you wanna make a day of it, morning or afternoon, we'll make sure it happens for you. It's not a problem at all. Okay. It'd be great to meet you in person, actually. It'd be fun. Yeah. Excellent. Fantastic. The only other thing to let you know is so you've got the attached documents there that we have gone through. I've also got the financial services guide attached there for you. It does have a lovely picture of me in there, also all my licensing information as a full licensed adviser for you as well. So feel free to run your eyes over that. If you find you have any questions in relation to any of those documents, please let me know. I'll get Sammy to give you a call in the next sort of four three weeks so she can book you back in for another conversation, and we'll look at your five to ten year plan and look look at investing and building wealth in all those areas. And let's see what we can do to help you moving forward. Okay? Izzy, do you have any questions? Is there anything else that you might think of that I haven't touched on or I've missed? Or no? No. Absolutely. Beautiful. Let's find your Tom scenario. Let's find Matthew's scenario. Yep. Beautiful. Well, look. That's everything I needed to go through. If anything comes up question wise, let us know. You don't have to wait till the next appointment. Let Sammy or myself know. If you're happy to sign those documents, we'll get you to sign and return those back at your most available opportunity and send oh, you're the legend. And they'll get send me to book you back in. She'll give you a call in three weeks to book you back in for the month so we can really knock out what you need, what you're after, and really do some financial advice and give you give you your little scenario, your math year scenario, and your passport over the next five to ten years. Okay. Easy. Thank you so much for your time. I really appreciate it. No worries. Yeah. Absolutely. You have a lovely afternoon. I hope everything goes well over the next few weeks for you with the settlement, and, yeah, looking forward to catching up. Thank you. Talk soon. See you later. Bye.","confidence":0.9980469,"words":[{"word":"yeah","start":3.84,"end":4.08,"confidence":0.6960449,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.011492177844047546},{"word":"matt","start":4.08,"end":4.48,"confidence":0.9482422,"punctuated_word":"Matt,","sentiment":"neutral","sentiment_score":-0.007446494419127703},{"word":"are","start":4.48,"end":4.64,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.00550845917314291},{"word":"you","start":4.64,"end":4.7999997,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.008261517621576786},{"word":"there","start":4.7999997,"end":5.2999997,"confidence":0.9995117,"punctuated_word":"there?","sentiment":"neutral","sentiment_score":-0.022886792197823524},{"word":"oh","start":7.9199996,"end":8.42,"confidence":0.9902344,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.1509188711643219},{"word":"that's","start":8.639999,"end":8.96,"confidence":0.96972656,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.2424381673336029},{"word":"okay","start":8.96,"end":9.46,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.14131459593772888},{"word":"no","start":9.599999,"end":9.92,"confidence":0.80859375,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.20730271935462952},{"word":"you're","start":9.92,"end":10.16,"confidence":0.9975586,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.228386253118515},{"word":"right","start":10.16,"end":10.32,"confidence":0.9375,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":-0.17203617095947266},{"word":"i","start":10.32,"end":10.48,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2469523698091507},{"word":"thought","start":10.48,"end":10.639999,"confidence":1.0,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":-0.1851254105567932},{"word":"it","start":10.639999,"end":10.8,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2249665409326553},{"word":"was","start":10.8,"end":11.04,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.19523188471794128},{"word":"me","start":11.04,"end":11.36,"confidence":0.9995117,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":-0.20508809387683868},{"word":"i","start":11.36,"end":11.44,"confidence":0.99121094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.243318572640419},{"word":"was","start":11.44,"end":11.679999,"confidence":0.94970703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.20835791528224945},{"word":"like","start":11.679999,"end":11.84,"confidence":0.9289551,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.16454949975013733},{"word":"oh","start":11.84,"end":12.0,"confidence":0.9980469,"punctuated_word":"oh","sentiment":"neutral","sentiment_score":-0.3030104637145996},{"word":"my","start":12.0,"end":12.08,"confidence":0.9873047,"punctuated_word":"my","sentiment":"negative","sentiment_score":-0.3959634006023407},{"word":"god","start":12.08,"end":12.32,"confidence":0.9753418,"punctuated_word":"god.","sentiment":"negative","sentiment_score":-0.4162774085998535},{"word":"i","start":12.32,"end":12.4,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.5228428244590759},{"word":"lost","start":12.4,"end":12.719999,"confidence":1.0,"punctuated_word":"lost","sentiment":"negative","sentiment_score":-0.39094725251197815},{"word":"you","start":12.719999,"end":12.96,"confidence":1.0,"punctuated_word":"you.","sentiment":"negative","sentiment_score":-0.3830799460411072},{"word":"i'm","start":12.96,"end":13.12,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.33224666118621826},{"word":"so","start":13.12,"end":13.36,"confidence":0.99609375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.30527570843696594},{"word":"sorry","start":13.36,"end":13.86,"confidence":0.99365234,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.2489077001810074},{"word":"all","start":16.175,"end":16.414999,"confidence":0.87060547,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.14086070656776428},{"word":"good","start":16.414999,"end":16.914999,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.25010159611701965},{"word":"so","start":16.975,"end":17.295,"confidence":0.78271484,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04903463274240494},{"word":"now","start":17.295,"end":17.695,"confidence":0.7792969,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.07056855410337448},{"word":"i","start":17.695,"end":17.855,"confidence":0.96240234,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.047720056027174},{"word":"got","start":17.855,"end":18.015,"confidence":0.6713867,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.07273523509502411},{"word":"here","start":18.015,"end":18.255,"confidence":0.97802734,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.09765565395355225},{"word":"that","start":18.255,"end":18.335,"confidence":0.4663086,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0528683215379715},{"word":"you've","start":18.335,"end":18.574999,"confidence":0.9975586,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.05610847473144531},{"word":"got","start":18.574999,"end":18.735,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.048508428037166595},{"word":"one","start":18.735,"end":18.974998,"confidence":0.9970703,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.05729829892516136},{"word":"son","start":18.974998,"end":19.215,"confidence":0.73706055,"punctuated_word":"son,","sentiment":"neutral","sentiment_score":0.04828380048274994},{"word":"which","start":19.215,"end":19.455,"confidence":0.99902344,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.06707887351512909},{"word":"is","start":19.455,"end":19.535,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05547461658716202},{"word":"21","start":19.535,"end":20.095,"confidence":0.99560547,"punctuated_word":"21","sentiment":"neutral","sentiment_score":0.06311628967523575},{"word":"year","start":20.095,"end":20.255,"confidence":0.99902344,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.06741855293512344},{"word":"old","start":20.255,"end":20.575,"confidence":0.9284668,"punctuated_word":"old,","sentiment":"neutral","sentiment_score":0.062480077147483826},{"word":"and","start":20.575,"end":20.735,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.037446774542331696},{"word":"the","start":20.735,"end":20.895,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.032316796481609344},{"word":"other","start":20.895,"end":21.135,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.03744571655988693},{"word":"two","start":21.135,"end":21.375,"confidence":0.99902344,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.03982207179069519},{"word":"kids","start":21.375,"end":21.855,"confidence":0.99609375,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":0.04158168286085129},{"word":"are","start":21.855,"end":22.015,"confidence":0.79833984,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.040615301579236984},{"word":"18","start":22.015,"end":23.055,"confidence":0.98779297,"punctuated_word":"18.","sentiment":"neutral","sentiment_score":0.048122502863407135},{"word":"they're","start":23.055,"end":23.294998,"confidence":0.9711914,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":0.017883779481053352},{"word":"financial","start":23.294998,"end":23.775,"confidence":0.94970703,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.03116369247436523},{"word":"dependent","start":23.775,"end":24.275,"confidence":0.95214844,"punctuated_word":"dependent.","sentiment":"neutral","sentiment_score":0.015461367554962637},{"word":"yep","start":25.615,"end":26.015,"confidence":0.97631836,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.20513944327831268},{"word":"beautiful","start":26.015,"end":26.515,"confidence":0.99853516,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.676692545413971},{"word":"lovely","start":26.575,"end":27.055,"confidence":1.0,"punctuated_word":"Lovely.","sentiment":"positive","sentiment_score":0.7212759852409363},{"word":"so","start":27.055,"end":27.294998,"confidence":0.97802734,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.6999080181121826},{"word":"happy","start":27.294998,"end":27.535,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.812373697757721},{"word":"to","start":27.535,"end":27.695,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.7693842649459839},{"word":"keep","start":27.695,"end":27.855,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.7442718744277954},{"word":"your","start":27.855,"end":28.095,"confidence":0.99121094,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.6837284564971924},{"word":"beneficiary","start":28.095,"end":28.595,"confidence":0.9970703,"punctuated_word":"beneficiary","sentiment":"positive","sentiment_score":0.7386354804039001},{"word":"as","start":28.735,"end":28.895,"confidence":0.99902344,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.6944375038146973},{"word":"it","start":28.895,"end":29.055,"confidence":0.99902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.6590621471405029},{"word":"is","start":29.055,"end":29.215,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.7070911526679993},{"word":"noted","start":29.215,"end":29.615,"confidence":1.0,"punctuated_word":"noted","sentiment":"positive","sentiment_score":0.6448901295661926},{"word":"there","start":29.615,"end":30.115,"confidence":0.98999023,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.4887406826019287},{"word":"yep","start":31.93,"end":32.43,"confidence":0.91918945,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07827240228652954},{"word":"it","start":34.41,"end":34.57,"confidence":0.95947266,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.09561888128519058},{"word":"is","start":34.57,"end":35.07,"confidence":0.7536621,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.12162654101848602},{"word":"yeah","start":35.13,"end":35.45,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0816439762711525},{"word":"just","start":35.45,"end":35.77,"confidence":0.98535156,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.050713565200567245},{"word":"the","start":35.77,"end":36.01,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0650002509355545},{"word":"three","start":36.01,"end":36.33,"confidence":0.9951172,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.05336605757474899},{"word":"kids","start":36.33,"end":36.81,"confidence":0.99853516,"punctuated_word":"kids.","sentiment":"neutral","sentiment_score":0.08580122143030167},{"word":"yeah","start":36.81,"end":37.31,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06860500574111938},{"word":"beautiful","start":38.97,"end":39.47,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5948969721794128},{"word":"i","start":40.01,"end":40.25,"confidence":0.7001953,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3473706841468811},{"word":"will","start":40.25,"end":40.489998,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.33299994468688965},{"word":"just","start":40.489998,"end":40.65,"confidence":0.9970703,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3683751821517944},{"word":"double","start":40.65,"end":40.97,"confidence":1.0,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.2858240008354187},{"word":"check","start":40.97,"end":41.21,"confidence":0.99902344,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.30044400691986084},{"word":"the","start":41.21,"end":41.45,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.30170875787734985},{"word":"metlife","start":41.45,"end":41.95,"confidence":0.99560547,"punctuated_word":"MetLife","sentiment":"neutral","sentiment_score":0.2173088788986206},{"word":"beneficiary","start":42.01,"end":42.51,"confidence":0.99121094,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.2590581476688385},{"word":"as","start":42.73,"end":42.89,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2296440750360489},{"word":"well","start":42.89,"end":43.129997,"confidence":0.9667969,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2008306980133057},{"word":"just","start":43.129997,"end":43.37,"confidence":0.9941406,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.12629559636116028},{"word":"looking","start":43.37,"end":43.69,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.12634412944316864},{"word":"to","start":43.69,"end":43.85,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12196124345064165},{"word":"see","start":43.85,"end":44.09,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.12464850395917892},{"word":"if","start":44.09,"end":44.25,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11437172442674635},{"word":"i","start":44.25,"end":44.41,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11270302534103394},{"word":"have","start":44.41,"end":44.65,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10063986480236052},{"word":"that","start":44.65,"end":45.105,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1841537654399872},{"word":"here","start":45.185,"end":45.505,"confidence":0.99902344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.14836692810058594},{"word":"on","start":45.505,"end":45.585,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11436985433101654},{"word":"record","start":45.585,"end":46.085,"confidence":0.99902344,"punctuated_word":"record","sentiment":"neutral","sentiment_score":0.14734771847724917},{"word":"just","start":46.145,"end":46.385,"confidence":0.8222656,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15616947412490845},{"word":"to","start":46.385,"end":46.545,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13821958005428314},{"word":"make","start":46.545,"end":46.704998,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.134355828166008},{"word":"sure","start":46.704998,"end":47.184998,"confidence":0.9482422,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":0.1566525101661682},{"word":"but","start":47.184998,"end":47.425,"confidence":0.9921875,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.0482751801609993},{"word":"are","start":47.425,"end":47.585,"confidence":0.9902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.01627536490559578},{"word":"you","start":47.585,"end":47.745,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04297208413481712},{"word":"wanting","start":47.745,"end":48.145,"confidence":0.99902344,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.039975281804800034},{"word":"your","start":48.145,"end":48.305,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06971827149391174},{"word":"in","start":48.305,"end":48.465,"confidence":0.6245117,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03840265050530434},{"word":"your","start":48.625,"end":48.864998,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03964514657855034},{"word":"life","start":48.864998,"end":49.105,"confidence":0.9970703,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.061590585857629776},{"word":"insurance","start":49.105,"end":49.605,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.08999926596879959},{"word":"to","start":49.825,"end":49.985,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07857578247785568},{"word":"be","start":49.985,"end":50.385,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1007075086236},{"word":"structured","start":50.385,"end":50.864998,"confidence":0.99902344,"punctuated_word":"structured","sentiment":"neutral","sentiment_score":0.12094278633594512},{"word":"the","start":50.864998,"end":51.025,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13274244964122772},{"word":"same","start":51.025,"end":51.265,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.10441508889198305},{"word":"way","start":51.265,"end":51.585,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.10354720801115036},{"word":"beneficiary","start":51.585,"end":52.085,"confidence":0.87353516,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.09746134281158449},{"word":"wise","start":52.385,"end":52.885,"confidence":0.9970703,"punctuated_word":"wise?","sentiment":"neutral","sentiment_score":0.08772547543048859},{"word":"yep","start":55.345,"end":55.845,"confidence":0.692749,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03301578760147095},{"word":"i'm","start":57.665,"end":57.905,"confidence":0.8588867,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.05122256278991699},{"word":"just","start":57.905,"end":58.32,"confidence":0.9902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.056738439947366714},{"word":"quickly","start":58.48,"end":58.8,"confidence":0.97802734,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.07265153527259827},{"word":"having","start":58.8,"end":59.2,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.05874929204583168},{"word":"a","start":59.2,"end":59.28,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06364528089761734},{"word":"look","start":59.28,"end":59.52,"confidence":0.9692383,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":0.05439826101064682},{"word":"so","start":59.52,"end":59.76,"confidence":0.95703125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07561357319355011},{"word":"insurance","start":59.76,"end":60.26,"confidence":0.99609375,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.10132282227277756},{"word":"beneficiary","start":60.32,"end":60.82,"confidence":0.9946289,"punctuated_word":"beneficiary,","sentiment":"neutral","sentiment_score":0.09559348970651628},{"word":"i","start":60.96,"end":61.12,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12778647243976593},{"word":"do","start":61.12,"end":61.36,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.13693323731422424},{"word":"have","start":61.36,"end":61.52,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09180565178394318},{"word":"the","start":61.52,"end":61.68,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1037180870771408},{"word":"same","start":61.68,"end":62.0,"confidence":0.9921875,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":0.1218656599521637},{"word":"so","start":62.0,"end":62.16,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12650464475154877},{"word":"i've","start":62.16,"end":62.32,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.12478389590978622},{"word":"got","start":62.32,"end":62.64,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.10844828188419342},{"word":"alexander","start":62.64,"end":63.14,"confidence":0.9790039,"punctuated_word":"Alexander","sentiment":"neutral","sentiment_score":0.1248461902141571},{"word":"to","start":63.28,"end":63.44,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13114863634109497},{"word":"get","start":63.44,"end":63.68,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1301937699317932},{"word":"32%","start":63.68,"end":64.56,"confidence":0.9968262,"punctuated_word":"32%,","sentiment":"neutral","sentiment_score":0.1020098552107811},{"word":"jordan","start":64.56,"end":64.96,"confidence":0.9951172,"punctuated_word":"Jordan","sentiment":"neutral","sentiment_score":0.10916893929243088},{"word":"to","start":64.96,"end":65.12,"confidence":0.98535156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13226956129074097},{"word":"get","start":65.12,"end":65.36,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.12860919535160065},{"word":"36","start":65.36,"end":65.92,"confidence":0.9921875,"punctuated_word":"36,","sentiment":"neutral","sentiment_score":0.10990424454212187},{"word":"and","start":65.92,"end":66.08,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09857165813446044},{"word":"sophie","start":66.08,"end":66.479996,"confidence":0.99316406,"punctuated_word":"Sophie","sentiment":"neutral","sentiment_score":0.11321698129177094},{"word":"for","start":66.479996,"end":66.64,"confidence":0.82958984,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1120872125029564},{"word":"32%","start":66.64,"end":67.6,"confidence":0.97355145,"punctuated_word":"32%.","sentiment":"neutral","sentiment_score":0.10553621500730516},{"word":"so","start":67.6,"end":68.0,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11246362328529358},{"word":"it","start":68.0,"end":68.24,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12795598804950714},{"word":"is","start":68.24,"end":68.479996,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11766240745782852},{"word":"structured","start":68.479996,"end":68.96,"confidence":1.0,"punctuated_word":"structured","sentiment":"neutral","sentiment_score":0.12226886302232742},{"word":"the","start":68.96,"end":69.12,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19207949936389923},{"word":"same","start":69.12,"end":69.36,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.17647752165794373},{"word":"way","start":69.36,"end":69.68,"confidence":0.99902344,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":0.12486252933740616},{"word":"yeah","start":69.68,"end":69.92,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17376741766929626},{"word":"that's","start":69.92,"end":70.24,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.29837486147880554},{"word":"fine","start":70.24,"end":70.74,"confidence":1.0,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.35096922516822815},{"word":"perfect","start":71.314995,"end":71.814995,"confidence":0.9975586,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5985866785049438},{"word":"just","start":72.515,"end":72.755,"confidence":0.9941406,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.3306129276752472},{"word":"to","start":72.755,"end":72.835,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.239294171333313},{"word":"make","start":72.835,"end":72.994995,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.2567322552204132},{"word":"sure","start":72.994995,"end":73.155,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.30366945266723633},{"word":"that","start":73.155,"end":73.314995,"confidence":0.984375,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3926892578601837},{"word":"is","start":73.314995,"end":73.555,"confidence":0.64746094,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.306723028421402},{"word":"all","start":73.555,"end":73.715,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2381202131509781},{"word":"paid","start":73.715,"end":73.954994,"confidence":0.99902344,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.25816047191619873},{"word":"out","start":73.954994,"end":74.195,"confidence":0.94970703,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.3394739329814911},{"word":"as","start":74.195,"end":74.435,"confidence":0.8276367,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.39889729022979736},{"word":"per","start":74.435,"end":74.674995,"confidence":0.96875,"punctuated_word":"per","sentiment":"positive","sentiment_score":0.434100478887558},{"word":"your","start":74.674995,"end":74.91499,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.42583996057510376},{"word":"wishes","start":74.91499,"end":75.41499,"confidence":0.8041992,"punctuated_word":"wishes.","sentiment":"neutral","sentiment_score":0.2909141778945923},{"word":"if","start":75.555,"end":75.795,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.03500194847583771},{"word":"something","start":75.795,"end":76.115,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.03079402446746826},{"word":"was","start":76.115,"end":76.354996,"confidence":0.98095703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.05776430666446686},{"word":"to","start":76.354996,"end":76.435,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06311749666929245},{"word":"happen","start":76.435,"end":76.835,"confidence":0.99365234,"punctuated_word":"happen,","sentiment":"neutral","sentiment_score":0.06119977682828903},{"word":"i'm","start":76.835,"end":76.994995,"confidence":0.99316406,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.05737855285406113},{"word":"touching","start":76.994995,"end":77.395,"confidence":0.9970703,"punctuated_word":"touching","sentiment":"neutral","sentiment_score":0.08694230765104294},{"word":"all","start":77.395,"end":77.555,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.09413961321115494},{"word":"the","start":77.555,"end":77.715,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09397678077220915},{"word":"wood","start":77.715,"end":77.954994,"confidence":0.8051758,"punctuated_word":"wood","sentiment":"neutral","sentiment_score":0.0404694527387619},{"word":"to","start":77.954994,"end":78.115,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01219797134399414},{"word":"make","start":78.115,"end":78.274994,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.04278632998466492},{"word":"sure","start":78.274994,"end":78.435,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.07054479420185089},{"word":"that","start":78.435,"end":78.59499,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05677000433206558},{"word":"we","start":78.59499,"end":79.09499,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05886276811361313},{"word":"don't","start":79.314995,"end":79.555,"confidence":0.84765625,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.02679782174527645},{"word":"jinx","start":79.555,"end":79.875,"confidence":0.97924805,"punctuated_word":"jinx","sentiment":"neutral","sentiment_score":-0.10373562574386597},{"word":"you","start":79.875,"end":80.034996,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05767643451690674},{"word":"in","start":80.034996,"end":80.115,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.01325194537639618},{"word":"any","start":80.115,"end":80.274994,"confidence":0.99609375,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.07369432598352432},{"word":"way","start":80.274994,"end":80.515,"confidence":0.92700195,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.04087546095252037},{"word":"shape","start":80.515,"end":80.755,"confidence":0.9802246,"punctuated_word":"shape,","sentiment":"neutral","sentiment_score":0.05777902156114578},{"word":"or","start":80.755,"end":80.91499,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05763506144285202},{"word":"form","start":80.91499,"end":81.41499,"confidence":1.0,"punctuated_word":"form.","sentiment":"neutral","sentiment_score":0.05986214801669121},{"word":"no","start":83.28,"end":83.520004,"confidence":0.9970703,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.05907287821173668},{"word":"excellent","start":83.520004,"end":84.020004,"confidence":1.0,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.3494388163089752},{"word":"now","start":84.64,"end":84.8,"confidence":0.5151367,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.2151645869016647},{"word":"you've","start":84.8,"end":85.12,"confidence":0.99853516,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.23844055831432345},{"word":"also","start":85.12,"end":85.36,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.2767181396484375},{"word":"got","start":85.36,"end":85.520004,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.2734633684158325},{"word":"the","start":85.520004,"end":85.68,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2551444470882416},{"word":"tbd","start":85.68,"end":86.18,"confidence":0.51171875,"punctuated_word":"TBD","sentiment":"neutral","sentiment_score":0.12718169391155243},{"word":"cover","start":86.24,"end":86.48,"confidence":0.7919922,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.2176782786846161},{"word":"there","start":86.48,"end":86.72,"confidence":0.97509766,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.21912994980812073},{"word":"so","start":86.72,"end":86.96,"confidence":0.95410156,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16949746012687683},{"word":"tbd","start":86.96,"end":87.44,"confidence":0.9838867,"punctuated_word":"TBD","sentiment":"neutral","sentiment_score":0.10601140558719636},{"word":"pays","start":87.44,"end":87.68,"confidence":0.9970703,"punctuated_word":"pays","sentiment":"neutral","sentiment_score":0.14753203094005585},{"word":"out","start":87.68,"end":87.92,"confidence":0.8833008,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1860046684741974},{"word":"either","start":87.92,"end":88.16,"confidence":0.99902344,"punctuated_word":"either","sentiment":"neutral","sentiment_score":0.1572950929403305},{"word":"a","start":88.16,"end":88.24,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1957193613052368},{"word":"lump","start":88.24,"end":88.56,"confidence":1.0,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.19444464147090912},{"word":"sum","start":88.56,"end":88.8,"confidence":0.99121094,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":0.19276513159275055},{"word":"benefit","start":88.8,"end":89.3,"confidence":0.9790039,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.20565256476402283},{"word":"or","start":89.44,"end":89.6,"confidence":0.9970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.19527320563793185},{"word":"an","start":89.6,"end":89.840004,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.2336561530828476},{"word":"income","start":89.840004,"end":90.16,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.18073514103889465},{"word":"stream","start":90.16,"end":90.48,"confidence":1.0,"punctuated_word":"stream","sentiment":"neutral","sentiment_score":0.22245153784751892},{"word":"in","start":90.48,"end":90.64,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.17224003374576569},{"word":"the","start":90.64,"end":90.8,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18071305751800537},{"word":"event","start":90.8,"end":91.04,"confidence":1.0,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.15992450714111328},{"word":"that","start":91.04,"end":91.2,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1150856763124466},{"word":"you're","start":91.2,"end":91.36,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.12793904542922974},{"word":"unable","start":91.36,"end":91.76,"confidence":1.0,"punctuated_word":"unable","sentiment":"neutral","sentiment_score":0.035782892256975174},{"word":"to","start":91.76,"end":91.92,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.105098158121109},{"word":"ever","start":91.92,"end":92.24,"confidence":1.0,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.06633105129003525},{"word":"go","start":92.24,"end":92.4,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.02756296843290329},{"word":"back","start":92.4,"end":92.56,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.009061791002750397},{"word":"to","start":92.56,"end":92.8,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07546553760766983},{"word":"work","start":92.8,"end":93.04,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.06794440746307373},{"word":"again","start":93.04,"end":93.36,"confidence":1.0,"punctuated_word":"again","sentiment":"neutral","sentiment_score":-0.04090903699398041},{"word":"due","start":93.36,"end":93.520004,"confidence":0.9980469,"punctuated_word":"due","sentiment":"neutral","sentiment_score":-0.05306790769100189},{"word":"to","start":93.520004,"end":93.68,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0058887675404548645},{"word":"permanent","start":93.68,"end":94.16,"confidence":0.99609375,"punctuated_word":"permanent","sentiment":"neutral","sentiment_score":-0.020931079983711243},{"word":"incapacity","start":94.16,"end":94.66,"confidence":0.98079425,"punctuated_word":"incapacity.","sentiment":"neutral","sentiment_score":-0.0059506031684577465},{"word":"and","start":95.375,"end":95.535,"confidence":0.9111328,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.16248802840709686},{"word":"if","start":95.535,"end":95.695,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.16774725914001465},{"word":"you","start":95.695,"end":95.855,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15022876858711243},{"word":"are","start":95.855,"end":96.175,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.13068148493766785},{"word":"tbd","start":96.175,"end":96.675,"confidence":0.73583984,"punctuated_word":"TBD,","sentiment":"neutral","sentiment_score":0.1254822015762329},{"word":"we","start":96.895,"end":97.135,"confidence":0.9614258,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2343593388795853},{"word":"can","start":97.135,"end":97.375,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2261662185192108},{"word":"also","start":97.375,"end":97.615,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1701342910528183},{"word":"claim","start":97.615,"end":98.015,"confidence":0.99902344,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.18712040781974792},{"word":"tbd","start":98.015,"end":98.515,"confidence":0.9819336,"punctuated_word":"TBD","sentiment":"neutral","sentiment_score":0.11595238745212556},{"word":"on","start":98.655,"end":98.895,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.13865162432193756},{"word":"your","start":98.895,"end":99.375,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.25297847390174866},{"word":"sofa","start":99.375,"end":99.875,"confidence":0.74780273,"punctuated_word":"sofa.","sentiment":"neutral","sentiment_score":0.007580945268273354},{"word":"one","start":100.415,"end":100.655,"confidence":0.44995117,"punctuated_word":"One","sentiment":"neutral","sentiment_score":-0.013854935765266418},{"word":"thing","start":100.655,"end":100.895,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.0285031795501709},{"word":"i","start":100.895,"end":101.055,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03636469691991806},{"word":"do","start":101.055,"end":101.295,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.04399145767092705},{"word":"like","start":101.295,"end":101.535,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.01229320839047432},{"word":"to","start":101.535,"end":101.695,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.00970965065062046},{"word":"make","start":101.695,"end":101.855,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.019297204911708832},{"word":"sure","start":101.855,"end":102.015,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.007975561544299126},{"word":"i'll","start":102.015,"end":102.335,"confidence":0.6130371,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.016979653388261795},{"word":"mention","start":102.335,"end":102.655,"confidence":0.9873047,"punctuated_word":"mention","sentiment":"neutral","sentiment_score":0.026317210868000984},{"word":"to","start":102.655,"end":102.815,"confidence":0.9560547,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02662261575460434},{"word":"people","start":102.815,"end":103.295,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.026879968121647835},{"word":"is","start":103.295,"end":103.535,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0026770271360874176},{"word":"if","start":103.535,"end":103.775,"confidence":0.9819336,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0075323572382330894},{"word":"you","start":103.775,"end":103.935,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01388036459684372},{"word":"claim","start":103.935,"end":104.255,"confidence":0.9921875,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":-0.013121403753757477},{"word":"tbd","start":104.255,"end":104.755,"confidence":0.9941406,"punctuated_word":"TBD","sentiment":"neutral","sentiment_score":-0.015243055298924446},{"word":"and","start":104.815,"end":105.055,"confidence":0.9633789,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.024393875151872635},{"word":"you","start":105.055,"end":105.215,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02424710988998413},{"word":"are","start":105.215,"end":105.455,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.012348063290119171},{"word":"under","start":105.455,"end":105.695,"confidence":1.0,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.008561499416828156},{"word":"the","start":105.695,"end":105.855,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.009963788092136385},{"word":"age","start":105.855,"end":106.095,"confidence":1.0,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.012230971828103064},{"word":"of","start":106.095,"end":106.335,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.022165365517139435},{"word":"60","start":106.335,"end":106.835,"confidence":0.9980469,"punctuated_word":"60,","sentiment":"neutral","sentiment_score":-0.02746983990073204},{"word":"there","start":107.055,"end":107.295,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.060620956122875214},{"word":"are","start":107.295,"end":107.535,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.06119547784328461},{"word":"tax","start":107.535,"end":107.935,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.1318918615579605},{"word":"consequences","start":107.935,"end":108.435,"confidence":0.9975586,"punctuated_word":"consequences.","sentiment":"neutral","sentiment_score":-0.11620035767555235},{"word":"i","start":108.655,"end":108.895004,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.32255154848098755},{"word":"wholeheartedly","start":108.895004,"end":109.395004,"confidence":0.9980469,"punctuated_word":"wholeheartedly","sentiment":"negative","sentiment_score":-0.3882668912410736},{"word":"disagree","start":109.535,"end":110.035,"confidence":0.9970703,"punctuated_word":"disagree","sentiment":"negative","sentiment_score":-0.3462720513343811},{"word":"with","start":110.095,"end":110.335,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.3022492825984955},{"word":"this","start":110.335,"end":110.67,"confidence":0.7414551,"punctuated_word":"this.","sentiment":"neutral","sentiment_score":-0.24418705701828003},{"word":"but","start":111.15,"end":111.31,"confidence":0.8901367,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.21309524774551392},{"word":"unfortunately","start":111.31,"end":111.81,"confidence":1.0,"punctuated_word":"unfortunately,","sentiment":"neutral","sentiment_score":-0.3153223991394043},{"word":"there","start":112.59,"end":112.83,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.2140947133302689},{"word":"is","start":112.83,"end":113.31,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2082013040781021},{"word":"a","start":113.31,"end":113.549995,"confidence":0.9760742,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2206266224384308},{"word":"tax","start":113.549995,"end":113.79,"confidence":0.9951172,"punctuated_word":"tax","sentiment":"negative","sentiment_score":-0.3531484007835388},{"word":"of","start":113.79,"end":114.11,"confidence":0.9194336,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.35516199469566345},{"word":"up","start":114.11,"end":114.27,"confidence":0.9970703,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.3101305365562439},{"word":"to","start":114.27,"end":114.43,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.34091246128082275},{"word":"22%","start":114.43,"end":115.49,"confidence":0.99576825,"punctuated_word":"22%","sentiment":"neutral","sentiment_score":-0.2671286165714264},{"word":"paid","start":115.71,"end":116.03,"confidence":0.9980469,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.301468163728714},{"word":"on","start":116.03,"end":116.509995,"confidence":1.0,"punctuated_word":"on","sentiment":"negative","sentiment_score":-0.34484976530075073},{"word":"ppd","start":116.509995,"end":117.009995,"confidence":0.84594727,"punctuated_word":"PPD","sentiment":"neutral","sentiment_score":-0.32889172434806824},{"word":"if","start":117.63,"end":117.79,"confidence":0.76660156,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.22263851761817932},{"word":"you","start":117.79,"end":117.95,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1098511815071106},{"word":"do","start":117.95,"end":118.27,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.09812216460704803},{"word":"withdraw","start":118.27,"end":118.67,"confidence":0.99902344,"punctuated_word":"withdraw","sentiment":"neutral","sentiment_score":-0.15800361335277557},{"word":"the","start":118.67,"end":118.83,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1163530945777893},{"word":"full","start":118.83,"end":119.07,"confidence":0.99902344,"punctuated_word":"full","sentiment":"neutral","sentiment_score":-0.11520130187273026},{"word":"amount","start":119.07,"end":119.31,"confidence":0.9980469,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.11004669964313508},{"word":"and","start":119.31,"end":119.47,"confidence":0.8359375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07111842185258865},{"word":"you're","start":119.47,"end":119.71,"confidence":0.99658203,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.08592518419027328},{"word":"under","start":119.71,"end":120.03,"confidence":0.9980469,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.15608781576156616},{"word":"60","start":120.03,"end":120.53,"confidence":0.9980469,"punctuated_word":"60.","sentiment":"neutral","sentiment_score":-0.14718258380889893},{"word":"i","start":120.59,"end":120.75,"confidence":0.93603516,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.3786538243293762},{"word":"know","start":120.75,"end":120.909996,"confidence":1.0,"punctuated_word":"know","sentiment":"negative","sentiment_score":-0.3557998239994049},{"word":"it's","start":120.909996,"end":121.149994,"confidence":0.9387207,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.5137149691581726},{"word":"horrible","start":121.149994,"end":121.549995,"confidence":0.99609375,"punctuated_word":"horrible.","sentiment":"negative","sentiment_score":-0.5387104749679565},{"word":"i","start":121.549995,"end":121.71,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.48666268587112427},{"word":"disagree","start":121.71,"end":122.189995,"confidence":0.9970703,"punctuated_word":"disagree","sentiment":"negative","sentiment_score":-0.4136433005332947},{"word":"with","start":122.189995,"end":122.43,"confidence":1.0,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.4112153649330139},{"word":"that","start":122.43,"end":122.59,"confidence":1.0,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4829697608947754},{"word":"in","start":122.59,"end":122.67,"confidence":0.99902344,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.4163126051425934},{"word":"every","start":122.67,"end":122.909996,"confidence":0.99902344,"punctuated_word":"every","sentiment":"negative","sentiment_score":-0.3980807065963745},{"word":"way","start":122.909996,"end":123.149994,"confidence":0.9572754,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":-0.312106728553772},{"word":"shape","start":123.149994,"end":123.47,"confidence":0.9904785,"punctuated_word":"shape,","sentiment":"neutral","sentiment_score":-0.32381749153137207},{"word":"or","start":123.47,"end":123.63,"confidence":0.73046875,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.28167593479156494},{"word":"form","start":123.63,"end":124.13,"confidence":0.99902344,"punctuated_word":"form.","sentiment":"negative","sentiment_score":-0.3535134792327881},{"word":"i","start":125.115,"end":125.275,"confidence":0.6425781,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.25363415479660034},{"word":"think","start":125.275,"end":125.515,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.235026091337204},{"word":"the","start":125.515,"end":125.674995,"confidence":0.97314453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.18310828506946564},{"word":"last","start":125.674995,"end":125.835,"confidence":0.99902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.2639186978340149},{"word":"thing","start":125.835,"end":126.075,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.22036907076835632},{"word":"you","start":126.075,"end":126.235,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.23377692699432373},{"word":"should","start":126.235,"end":126.475,"confidence":1.0,"punctuated_word":"should","sentiment":"negative","sentiment_score":-0.33613792061805725},{"word":"be","start":126.475,"end":126.795,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.28976112604141235},{"word":"taxed","start":126.795,"end":127.115,"confidence":0.98291016,"punctuated_word":"taxed","sentiment":"neutral","sentiment_score":-0.2881099581718445},{"word":"if","start":127.115,"end":127.354996,"confidence":0.69384766,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.25552862882614136},{"word":"you're","start":127.354996,"end":127.674995,"confidence":0.9802246,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.2653380036354065},{"word":"disabled","start":127.674995,"end":128.17499,"confidence":1.0,"punctuated_word":"disabled","sentiment":"neutral","sentiment_score":-0.23487919569015503},{"word":"is","start":128.315,"end":128.815,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.24505475163459775},{"word":"on","start":128.875,"end":129.275,"confidence":0.98535156,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.20707853138446808},{"word":"your","start":129.275,"end":129.595,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.2109980285167694},{"word":"your","start":129.595,"end":129.83499,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.20485880970954895},{"word":"tbd","start":129.83499,"end":130.33499,"confidence":0.6508789,"punctuated_word":"TBD","sentiment":"neutral","sentiment_score":-0.12592805922031405},{"word":"benefit","start":130.395,"end":130.795,"confidence":0.9892578,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":-0.19018834829330444},{"word":"and","start":130.795,"end":130.955,"confidence":0.96875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.22509431838989255},{"word":"your","start":130.955,"end":131.115,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.22845499217510223},{"word":"super","start":131.115,"end":131.515,"confidence":0.96972656,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.12027714401483536},{"word":"side","start":131.515,"end":131.675,"confidence":0.9970703,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.14390617609024048},{"word":"of","start":131.675,"end":131.755,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.19412389397621155},{"word":"things","start":131.755,"end":132.255,"confidence":0.99853516,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":-0.2259443402290344},{"word":"with","start":133.355,"end":133.855,"confidence":0.7949219,"punctuated_word":"With","sentiment":"neutral","sentiment_score":-0.1051557883620262},{"word":"with","start":133.995,"end":134.395,"confidence":0.9589844,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.09208633750677107},{"word":"that","start":134.395,"end":134.895,"confidence":0.9951172,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.07665708661079407},{"word":"i","start":135.115,"end":135.275,"confidence":0.96875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0374542623758316},{"word":"do","start":135.275,"end":135.435,"confidence":0.6635742,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.018136590719223022},{"word":"also","start":135.435,"end":135.675,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.04231643304228783},{"word":"like","start":135.675,"end":135.83499,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.011043168604373932},{"word":"to","start":135.83499,"end":135.995,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.013553597033023834},{"word":"point","start":135.995,"end":136.155,"confidence":0.98828125,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.03150459751486778},{"word":"out","start":136.155,"end":136.235,"confidence":0.6826172,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.0030955970287323},{"word":"it's","start":136.235,"end":136.475,"confidence":0.91430664,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.04002097249031067},{"word":"up","start":136.475,"end":136.635,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.05635172873735428},{"word":"to","start":136.635,"end":136.715,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10660304129123688},{"word":"22%","start":136.715,"end":137.515,"confidence":0.9869792,"punctuated_word":"22%.","sentiment":"neutral","sentiment_score":-0.08109772205352783},{"word":"so","start":137.515,"end":137.675,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.021519668400287628},{"word":"there","start":137.675,"end":137.83499,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.026765022426843643},{"word":"is","start":137.83499,"end":137.995,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.049603477120399475},{"word":"a","start":137.995,"end":138.075,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.030741030350327492},{"word":"fun","start":138.075,"end":138.315,"confidence":0.98828125,"punctuated_word":"fun","sentiment":"neutral","sentiment_score":0.11235417425632475},{"word":"little","start":138.315,"end":138.555,"confidence":0.96972656,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.09670991450548172},{"word":"math","start":138.555,"end":138.875,"confidence":0.9790039,"punctuated_word":"math","sentiment":"neutral","sentiment_score":0.05933801084756851},{"word":"equation","start":138.875,"end":139.275,"confidence":1.0,"punctuated_word":"equation","sentiment":"neutral","sentiment_score":0.04844830557703972},{"word":"that","start":139.275,"end":139.5,"confidence":0.98291016,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05485600233078003},{"word":"got","start":139.5,"end":139.66,"confidence":0.89746094,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.034780628979206085},{"word":"that","start":139.74,"end":139.98,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.045663852244615555},{"word":"the","start":139.98,"end":140.14,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02810772135853767},{"word":"super","start":140.14,"end":140.54,"confidence":0.9667969,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.024002425372600555},{"word":"funds","start":140.54,"end":140.86,"confidence":0.91259766,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.025370031595230103},{"word":"all","start":140.86,"end":141.02,"confidence":0.59277344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.04434112831950188},{"word":"go","start":141.02,"end":141.26,"confidence":0.99121094,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.00432242825627327},{"word":"through","start":141.26,"end":141.76,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.005444414913654327},{"word":"when","start":142.22,"end":142.46,"confidence":0.59814453,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.006529040634632111},{"word":"they","start":142.46,"end":142.62,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.03971095383167267},{"word":"are","start":142.62,"end":142.86,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.041465338319540024},{"word":"paying","start":142.86,"end":143.34,"confidence":1.0,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.04134603589773178},{"word":"out","start":143.34,"end":143.66,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.007530722767114639},{"word":"to","start":143.66,"end":143.82,"confidence":0.9707031,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02156221866607666},{"word":"sort","start":143.82,"end":144.06,"confidence":0.9970703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.05331222712993622},{"word":"of","start":144.06,"end":144.38,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04507855325937271},{"word":"show","start":144.38,"end":144.62,"confidence":0.984375,"punctuated_word":"show","sentiment":"neutral","sentiment_score":-0.0403519943356514},{"word":"how","start":144.62,"end":144.86,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.013114750385284424},{"word":"much","start":144.86,"end":145.18,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.051371414214372635},{"word":"tax","start":145.18,"end":145.5,"confidence":0.9902344,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.003181256353855133},{"word":"would","start":145.5,"end":145.74,"confidence":0.9980469,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.05387098342180252},{"word":"be","start":145.74,"end":145.9,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.0433507114648819},{"word":"covered","start":145.9,"end":146.22,"confidence":0.97753906,"punctuated_word":"covered.","sentiment":"neutral","sentiment_score":-0.05085428059101105},{"word":"it","start":146.22,"end":146.38,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.0622057244181633},{"word":"could","start":146.38,"end":146.54,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.06947964429855347},{"word":"definitely","start":146.54,"end":146.94,"confidence":0.99902344,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":-0.07260646671056747},{"word":"be","start":146.94,"end":147.02,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.07956692576408386},{"word":"less","start":147.02,"end":147.26,"confidence":0.99316406,"punctuated_word":"less","sentiment":"neutral","sentiment_score":-0.04075014963746071},{"word":"than","start":147.26,"end":147.42,"confidence":0.9970703,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.0653047189116478},{"word":"22%","start":147.42,"end":148.48,"confidence":0.99902344,"punctuated_word":"22%.","sentiment":"neutral","sentiment_score":-0.0520266517996788},{"word":"as","start":149.26,"end":149.5,"confidence":0.7133789,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.07553334534168243},{"word":"as","start":149.5,"end":149.66,"confidence":0.43359375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07700790464878082},{"word":"advisers","start":149.66,"end":150.16,"confidence":0.873291,"punctuated_word":"advisers,","sentiment":"neutral","sentiment_score":0.09244675934314728},{"word":"if","start":150.22,"end":150.38,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.14873261749744415},{"word":"you","start":150.38,"end":150.54,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10825640708208084},{"word":"do","start":150.54,"end":150.78,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1004900112748146},{"word":"happen","start":150.78,"end":151.02,"confidence":0.9941406,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":0.11027773469686508},{"word":"to","start":151.02,"end":151.18,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10573605448007584},{"word":"claim","start":151.18,"end":151.42,"confidence":0.99902344,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.06862993538379669},{"word":"on","start":151.42,"end":151.66,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1013968288898468},{"word":"tpd","start":151.66,"end":152.16,"confidence":0.79215497,"punctuated_word":"TPD,","sentiment":"neutral","sentiment_score":0.1060674712061882},{"word":"we","start":152.22,"end":152.38,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15331920981407166},{"word":"will","start":152.38,"end":152.54,"confidence":0.9980469,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.1985517144203186},{"word":"help","start":152.54,"end":152.78,"confidence":0.9980469,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.22470276057720184},{"word":"you","start":152.78,"end":152.94,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16979196667671204},{"word":"with","start":152.94,"end":153.1,"confidence":0.99609375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.21436721086502075},{"word":"the","start":153.1,"end":153.26,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12696890532970428},{"word":"claim","start":153.26,"end":153.5,"confidence":0.9484863,"punctuated_word":"claim,","sentiment":"neutral","sentiment_score":0.1415671855211258},{"word":"but","start":153.5,"end":153.66,"confidence":0.99609375,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.16091963648796082},{"word":"then","start":153.66,"end":153.82,"confidence":0.9970703,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1761169135570526},{"word":"we","start":153.82,"end":153.98,"confidence":0.9873047,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1425306499004364},{"word":"will","start":153.98,"end":154.07143,"confidence":0.9892578,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.17706136405467987},{"word":"also","start":154.07143,"end":154.16286,"confidence":0.98535156,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.14673888683319092},{"word":"provide","start":154.16286,"end":154.25429,"confidence":0.98535156,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.1555565595626831},{"word":"financial","start":154.25429,"end":154.3457,"confidence":0.7998047,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.11727871000766754},{"word":"advice","start":154.3457,"end":154.43713,"confidence":0.8588867,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.14373867213726044},{"word":"to","start":154.43713,"end":154.52856,"confidence":0.7558594,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1873449832201004},{"word":"show","start":154.52856,"end":154.62,"confidence":0.6430664,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.1939118653535843},{"word":"you","start":154.62,"end":154.7,"confidence":0.6748047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17523470520973206},{"word":"how","start":154.7,"end":154.95,"confidence":0.7421875,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.1515461504459381},{"word":"to","start":154.95,"end":155.265,"confidence":0.67822266,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15151186287403107},{"word":"consequences","start":157.745,"end":158.245,"confidence":0.5620117,"punctuated_word":"consequences","sentiment":"neutral","sentiment_score":0.12429091334342957},{"word":"and","start":158.545,"end":159.045,"confidence":0.8886719,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17406344413757324},{"word":"how","start":159.265,"end":159.305,"confidence":0.88427734,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.15475714206695557},{"word":"to","start":159.305,"end":159.345,"confidence":0.9267578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13739149272441864},{"word":"use","start":159.345,"end":159.38501,"confidence":0.8828125,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.14612367749214172},{"word":"the","start":159.38501,"end":159.425,"confidence":0.85498047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0939810425043106},{"word":"funds","start":159.425,"end":159.925,"confidence":0.6599121,"punctuated_word":"funds.","sentiment":"neutral","sentiment_score":0.10155399143695833},{"word":"so","start":160.545,"end":160.625,"confidence":0.90527344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14088061451911926},{"word":"as","start":160.625,"end":160.785,"confidence":0.28686523,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.18999524414539337},{"word":"it","start":160.785,"end":161.105,"confidence":0.8432617,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1960488259792328},{"word":"pays","start":161.105,"end":161.605,"confidence":0.8647461,"punctuated_word":"pays","sentiment":"neutral","sentiment_score":0.14413267374038696},{"word":"out","start":162.065,"end":162.305,"confidence":0.89453125,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.18224237859249115},{"word":"what","start":162.305,"end":162.625,"confidence":0.82666016,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2198595553636551},{"word":"you","start":162.625,"end":162.94499,"confidence":0.8886719,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15038511157035828},{"word":"need","start":162.94499,"end":163.26498,"confidence":0.94189453,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.18965570628643036},{"word":"to","start":163.26498,"end":163.58499,"confidence":0.88061523,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.15746869146823883},{"word":"but","start":163.58499,"end":163.70499,"confidence":0.65283203,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.15100137889385223},{"word":"so","start":163.825,"end":163.985,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.15072692930698395},{"word":"it","start":163.985,"end":164.065,"confidence":0.9580078,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2468375265598297},{"word":"also","start":164.065,"end":164.545,"confidence":0.90625,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1727743297815323},{"word":"stays","start":164.545,"end":165.025,"confidence":0.71484375,"punctuated_word":"stays","sentiment":"neutral","sentiment_score":0.21510864794254303},{"word":"invested","start":165.025,"end":165.505,"confidence":0.92333984,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.13530702888965607},{"word":"work","start":165.505,"end":165.825,"confidence":0.46240234,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.22561465203762057},{"word":"for","start":165.825,"end":165.985,"confidence":0.99316406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1533833146095276},{"word":"you","start":165.985,"end":166.225,"confidence":0.9086914,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.11330706626176834},{"word":"whether","start":166.225,"end":166.545,"confidence":0.9589844,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.15371949970722198},{"word":"it's","start":166.545,"end":166.705,"confidence":0.98950195,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1084512174129486},{"word":"drawing","start":166.705,"end":167.105,"confidence":0.94921875,"punctuated_word":"drawing","sentiment":"neutral","sentiment_score":0.074817955493927},{"word":"an","start":167.105,"end":167.265,"confidence":0.9560547,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.06886807084083557},{"word":"income","start":167.265,"end":167.745,"confidence":0.9902344,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.07811406254768372},{"word":"stream","start":167.745,"end":168.065,"confidence":0.99902344,"punctuated_word":"stream","sentiment":"neutral","sentiment_score":0.0770631656050682},{"word":"on","start":168.065,"end":168.225,"confidence":0.9902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06789964437484741},{"word":"a","start":168.225,"end":168.385,"confidence":0.96972656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03647588938474655},{"word":"regular","start":168.385,"end":168.865,"confidence":0.984375,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.07091332226991653},{"word":"basis","start":168.865,"end":169.345,"confidence":0.9941406,"punctuated_word":"basis","sentiment":"neutral","sentiment_score":0.0659014880657196},{"word":"or","start":169.345,"end":169.77,"confidence":0.9794922,"punctuated_word":"or,","sentiment":"neutral","sentiment_score":0.03280013054609299},{"word":"you","start":169.85,"end":169.93001,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.005463108420372009},{"word":"know","start":169.93001,"end":170.17,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.0292465016245842},{"word":"drawing","start":170.17,"end":170.49,"confidence":0.9951172,"punctuated_word":"drawing","sentiment":"neutral","sentiment_score":0.01443217322230339},{"word":"certain","start":170.49,"end":170.89,"confidence":0.9790039,"punctuated_word":"certain","sentiment":"neutral","sentiment_score":0.015068698674440384},{"word":"lump","start":170.89,"end":171.21,"confidence":0.984375,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.042651500552892685},{"word":"sums","start":171.21,"end":171.61,"confidence":0.9873047,"punctuated_word":"sums","sentiment":"neutral","sentiment_score":-0.002755638211965561},{"word":"every","start":171.61,"end":171.93001,"confidence":0.9970703,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.002576049417257309},{"word":"so","start":171.93001,"end":172.09001,"confidence":0.98095703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.044418226927518845},{"word":"often","start":172.09001,"end":172.57,"confidence":0.98999023,"punctuated_word":"often.","sentiment":"neutral","sentiment_score":-0.027779700234532356},{"word":"so","start":172.57,"end":173.07,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.002694394439458847},{"word":"rest","start":173.29001,"end":173.53,"confidence":0.6870117,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":0.027343180030584335},{"word":"assured","start":173.53,"end":173.93001,"confidence":0.9941406,"punctuated_word":"assured","sentiment":"neutral","sentiment_score":0.06703454256057739},{"word":"as","start":173.93001,"end":174.09,"confidence":0.5283203,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1100187748670578},{"word":"much","start":174.09,"end":174.41,"confidence":0.9980469,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.07094518095254898},{"word":"as","start":174.41,"end":174.65001,"confidence":0.9951172,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07990659773349762},{"word":"that's","start":174.65001,"end":174.89,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.02498667687177658},{"word":"not","start":174.89,"end":175.05,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.03434319049119949},{"word":"a","start":175.05,"end":175.13,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.028128482401371},{"word":"great","start":175.13,"end":175.61,"confidence":0.99902344,"punctuated_word":"great","sentiment":"neutral","sentiment_score":-0.013020962476730348},{"word":"aspect","start":175.61,"end":176.11,"confidence":0.9716797,"punctuated_word":"aspect","sentiment":"neutral","sentiment_score":0.040666162967681885},{"word":"of","start":176.17,"end":176.41,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.00823647528886795},{"word":"tbd","start":176.41,"end":176.91,"confidence":0.97558594,"punctuated_word":"TBD,","sentiment":"neutral","sentiment_score":0.034682296216487885},{"word":"we","start":177.53,"end":177.69,"confidence":0.8588867,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13669615983963013},{"word":"will","start":177.69,"end":177.93001,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.15460634231567383},{"word":"provide","start":177.93001,"end":178.33,"confidence":1.0,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.09793903678655624},{"word":"financial","start":178.33,"end":178.81,"confidence":0.99902344,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.038361817598342896},{"word":"advice","start":178.81,"end":179.05,"confidence":0.98291016,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.03448498249053955},{"word":"in","start":179.05,"end":179.29001,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11118098348379137},{"word":"that","start":179.29001,"end":179.45,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10221825540065764},{"word":"instance","start":179.45,"end":179.85,"confidence":0.9980469,"punctuated_word":"instance","sentiment":"neutral","sentiment_score":0.1072445511817932},{"word":"if","start":179.85,"end":180.01001,"confidence":0.9760742,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.14258569478988647},{"word":"you","start":180.01001,"end":180.09,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05794678255915642},{"word":"did","start":180.09,"end":180.33,"confidence":0.9980469,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.077525295317173},{"word":"have","start":180.33,"end":180.49,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08608690649271011},{"word":"to","start":180.49,"end":180.65001,"confidence":0.78125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06170467287302017},{"word":"claim","start":180.65001,"end":180.89,"confidence":0.9633789,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.03790328651666641},{"word":"to","start":180.89,"end":181.05,"confidence":0.9243164,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.105136901140213},{"word":"sorta","start":181.05,"end":181.37001,"confidence":0.7607422,"punctuated_word":"sorta","sentiment":"neutral","sentiment_score":0.10020811855793},{"word":"help","start":181.37001,"end":181.61,"confidence":0.99902344,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.12530852854251862},{"word":"you","start":181.61,"end":181.77,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05420944467186928},{"word":"along","start":181.77,"end":182.27,"confidence":1.0,"punctuated_word":"along.","sentiment":"neutral","sentiment_score":0.05668184161186218},{"word":"okay","start":182.33,"end":182.83,"confidence":0.97021484,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.038945697247982025},{"word":"yep","start":183.835,"end":184.235,"confidence":0.8095703,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1541643738746643},{"word":"perfect","start":184.235,"end":184.735,"confidence":0.9975586,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.3220621943473816},{"word":"now","start":185.195,"end":185.515,"confidence":0.9980469,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.14726883172988892},{"word":"with","start":185.515,"end":185.595,"confidence":0.99609375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06643353402614594},{"word":"the","start":185.595,"end":185.755,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05463146045804024},{"word":"tbd","start":185.755,"end":186.235,"confidence":0.96606445,"punctuated_word":"TBD,","sentiment":"neutral","sentiment_score":0.04260028898715973},{"word":"you","start":186.235,"end":186.395,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.019110940396785736},{"word":"do","start":186.395,"end":186.635,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.041421204805374146},{"word":"have","start":186.635,"end":186.795,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.008573096245527267},{"word":"a","start":186.795,"end":186.955,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01264280080795288},{"word":"little","start":186.955,"end":187.115,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.018718913197517395},{"word":"bit","start":187.115,"end":187.355,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.0027896463871002197},{"word":"less","start":187.355,"end":187.675,"confidence":0.88916016,"punctuated_word":"less.","sentiment":"neutral","sentiment_score":-0.00255761481821537},{"word":"so","start":187.675,"end":187.91501,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.029639704152941704},{"word":"your","start":187.91501,"end":188.235,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.017822589725255966},{"word":"current","start":188.235,"end":188.55501,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.021150000393390656},{"word":"cover","start":188.55501,"end":188.875,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.008790850639343262},{"word":"is","start":188.875,"end":189.115,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.041024621576070786},{"word":"730,958","start":189.115,"end":192.395,"confidence":0.98881835,"punctuated_word":"730,958.","sentiment":"neutral","sentiment_score":0.03964550048112869},{"word":"and","start":192.395,"end":192.635,"confidence":0.9411621,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.05658259242773056},{"word":"again","start":192.635,"end":192.875,"confidence":1.0,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.07243448495864868},{"word":"you've","start":192.875,"end":193.035,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.06390394270420074},{"word":"got","start":193.035,"end":193.195,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.06187620759010315},{"word":"your","start":193.195,"end":193.435,"confidence":0.9902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08798366785049438},{"word":"162,000","start":193.435,"end":194.955,"confidence":0.9813477,"punctuated_word":"162,000","sentiment":"neutral","sentiment_score":0.08302150666713715},{"word":"of","start":194.955,"end":195.195,"confidence":0.7998047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06657266616821289},{"word":"super","start":195.195,"end":195.515,"confidence":0.7211914,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.09813553094863892},{"word":"which","start":195.515,"end":195.755,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.1288042962551117},{"word":"can","start":195.755,"end":195.995,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09382335096597672},{"word":"be","start":195.995,"end":196.155,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1073436513543129},{"word":"claimed","start":196.155,"end":196.55501,"confidence":0.9980469,"punctuated_word":"claimed","sentiment":"neutral","sentiment_score":0.07303673028945923},{"word":"as","start":196.55501,"end":196.715,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08797898888587952},{"word":"well","start":196.715,"end":197.215,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.05922646075487137},{"word":"do","start":197.36,"end":197.44,"confidence":1.0,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.06024954095482826},{"word":"you","start":197.44,"end":197.68,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06978592276573181},{"word":"feel","start":197.68,"end":197.76,"confidence":0.9980469,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.07374653220176697},{"word":"like","start":197.76,"end":198.0,"confidence":0.9921875,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.09341425448656082},{"word":"that's","start":198.0,"end":198.24,"confidence":0.99658203,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.09749414026737212},{"word":"a","start":198.24,"end":198.31999,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06454816460609436},{"word":"fairly","start":198.31999,"end":198.64,"confidence":1.0,"punctuated_word":"fairly","sentiment":"neutral","sentiment_score":0.0811585783958435},{"word":"comfortable","start":198.64,"end":199.12,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.03788448125123978},{"word":"amount","start":199.12,"end":199.44,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.05637356638908386},{"word":"for","start":199.44,"end":199.68,"confidence":0.8989258,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08140905201435089},{"word":"cbd","start":199.68,"end":200.18,"confidence":0.85253906,"punctuated_word":"CBD?","sentiment":"neutral","sentiment_score":0.05854344367980957},{"word":"did","start":200.24,"end":200.4,"confidence":0.9980469,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.005820553749799728},{"word":"you","start":200.4,"end":200.56,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00627455860376358},{"word":"wanna","start":200.56,"end":200.8,"confidence":0.99316406,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.003365902230143547},{"word":"kinda","start":200.8,"end":201.12,"confidence":0.93847656,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.0009824316948652267},{"word":"look","start":201.12,"end":201.28,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.013920262455940248},{"word":"at","start":201.28,"end":201.44,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.012451212853193285},{"word":"altering","start":201.44,"end":201.84,"confidence":0.9970703,"punctuated_word":"altering","sentiment":"neutral","sentiment_score":0.009442392736673357},{"word":"that","start":201.84,"end":202.16,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.017114095389842987},{"word":"at","start":202.16,"end":202.24,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.01989312469959259},{"word":"all","start":202.24,"end":202.74,"confidence":1.0,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":-0.014825651422142982},{"word":"that's","start":204.72,"end":205.04,"confidence":0.99365234,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.13240665197372437},{"word":"okay","start":205.04,"end":205.54,"confidence":0.99902344,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.11621695011854172},{"word":"yep","start":205.6,"end":206.08,"confidence":0.92626953,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.19290676712989807},{"word":"beautiful","start":206.08,"end":206.58,"confidence":0.9995117,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4384537935256958},{"word":"and","start":207.12,"end":207.28,"confidence":0.625,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.27077940106391907},{"word":"then","start":207.28,"end":207.44,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.27859804034233093},{"word":"you've","start":207.44,"end":207.68,"confidence":0.9785156,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.26426589488983154},{"word":"got","start":207.68,"end":207.84,"confidence":0.9970703,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.22605250775814056},{"word":"your","start":207.84,"end":208.08,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15052452683448792},{"word":"income","start":208.08,"end":208.4,"confidence":0.9980469,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.18548542261123657},{"word":"protection","start":208.4,"end":208.9,"confidence":0.99902344,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.1471106857061386},{"word":"benefit","start":209.04,"end":209.52,"confidence":1.0,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.15088343620300293},{"word":"as","start":209.52,"end":209.68,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1926840841770172},{"word":"well","start":209.68,"end":210.18,"confidence":0.9941406,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.16736745834350586},{"word":"the","start":210.48,"end":210.72,"confidence":0.97802734,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.10154487192630768},{"word":"current","start":210.72,"end":211.22,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.13163325190544128},{"word":"monthly","start":211.28,"end":211.76,"confidence":1.0,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.14735674858093262},{"word":"benefit","start":211.76,"end":212.235,"confidence":1.0,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.12779715657234192},{"word":"pretax","start":212.235,"end":212.635,"confidence":0.94750977,"punctuated_word":"pretax","sentiment":"neutral","sentiment_score":0.15861594676971436},{"word":"is","start":212.635,"end":213.115,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10612723976373672},{"word":"6,188","start":213.115,"end":215.455,"confidence":0.99497765,"punctuated_word":"6,188.","sentiment":"neutral","sentiment_score":0.11150303483009338},{"word":"your","start":216.075,"end":216.475,"confidence":0.9921875,"punctuated_word":"Your","sentiment":"neutral","sentiment_score":0.0872202143073082},{"word":"income","start":216.475,"end":216.975,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.11319667845964432},{"word":"i","start":217.035,"end":217.195,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10388012230396272},{"word":"have","start":217.195,"end":217.435,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08877449482679367},{"word":"here","start":217.435,"end":217.835,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.09977999329566956},{"word":"is","start":217.835,"end":218.155,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08154727518558502},{"word":"about","start":218.155,"end":218.395,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.104816235601902},{"word":"127,000","start":218.395,"end":220.415,"confidence":0.9991862,"punctuated_word":"127,000","sentiment":"neutral","sentiment_score":0.08648067712783813},{"word":"plus","start":220.555,"end":220.875,"confidence":0.9970703,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":0.0883849561214447},{"word":"a","start":220.875,"end":221.035,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08625024557113647},{"word":"car","start":221.035,"end":221.355,"confidence":0.9995117,"punctuated_word":"car.","sentiment":"neutral","sentiment_score":0.09375128895044328},{"word":"is","start":221.355,"end":221.515,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.1372951865196228},{"word":"that","start":221.515,"end":221.755,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11942283809185028},{"word":"right","start":221.755,"end":222.255,"confidence":1.0,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.09245486557483672},{"word":"yeah","start":223.595,"end":224.075,"confidence":0.89624023,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.21092236042022705},{"word":"beautiful","start":224.075,"end":224.575,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.2990860939025879},{"word":"so","start":224.795,"end":224.955,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07212954759597778},{"word":"if","start":224.955,"end":225.195,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07477734982967377},{"word":"we","start":225.195,"end":225.355,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07611764967441559},{"word":"have","start":225.355,"end":225.515,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08845444023609161},{"word":"a","start":225.515,"end":225.595,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07806406170129776},{"word":"look","start":225.595,"end":225.755,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.04960533604025841},{"word":"with","start":225.755,"end":225.995,"confidence":0.50683594,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07486718893051147},{"word":"income","start":225.995,"end":226.315,"confidence":0.99609375,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.06033936142921448},{"word":"protection","start":226.315,"end":226.815,"confidence":0.9980469,"punctuated_word":"protection,","sentiment":"neutral","sentiment_score":0.06879796087741852},{"word":"you","start":226.875,"end":227.035,"confidence":0.97802734,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09616084396839142},{"word":"can","start":227.035,"end":227.195,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09619267284870148},{"word":"be","start":227.195,"end":227.355,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.09261494874954224},{"word":"covered","start":227.355,"end":227.675,"confidence":0.9980469,"punctuated_word":"covered","sentiment":"neutral","sentiment_score":0.06683869659900665},{"word":"for","start":227.675,"end":227.835,"confidence":0.8178711,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0726766437292099},{"word":"up","start":227.835,"end":227.915,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.07629415392875671},{"word":"to","start":227.915,"end":228.18,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08180633187294006},{"word":"70%","start":228.26,"end":228.9,"confidence":1.0,"punctuated_word":"70%","sentiment":"neutral","sentiment_score":0.07763198018074036},{"word":"of","start":228.9,"end":229.06,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05951298773288727},{"word":"your","start":229.06,"end":229.29999,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07904963195323944},{"word":"income","start":229.29999,"end":229.79999,"confidence":0.95751953,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":0.05641867220401764},{"word":"just","start":230.57999,"end":230.81999,"confidence":0.6064453,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.08918987214565277},{"word":"having","start":230.81999,"end":231.14,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.07393185049295425},{"word":"a","start":231.14,"end":231.21999,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08365757763385773},{"word":"look","start":231.21999,"end":231.45999,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.06381824612617493},{"word":"at","start":231.45999,"end":231.62,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08469877392053604},{"word":"what","start":231.62,"end":231.85999,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.08369181305170059},{"word":"that","start":231.85999,"end":232.01999,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09757452458143234},{"word":"looks","start":232.01999,"end":232.42,"confidence":0.98535156,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.04237337410449982},{"word":"like","start":232.42,"end":232.92,"confidence":0.9724121,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":0.05250471085309982},{"word":"so","start":233.37999,"end":233.87999,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1059555858373642},{"word":"to","start":233.93999,"end":234.18,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0904194712638855},{"word":"be","start":234.18,"end":234.34,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.09008803963661194},{"word":"covered","start":234.34,"end":234.73999,"confidence":1.0,"punctuated_word":"covered","sentiment":"neutral","sentiment_score":0.11007771641016006},{"word":"for","start":234.73999,"end":234.98,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11860528588294984},{"word":"70%","start":234.98,"end":235.62,"confidence":1.0,"punctuated_word":"70%","sentiment":"neutral","sentiment_score":0.11546999216079712},{"word":"of","start":235.62,"end":235.7,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08564744889736176},{"word":"your","start":235.7,"end":235.93999,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07952585816383362},{"word":"current","start":235.93999,"end":236.26,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.06266763061285019},{"word":"income","start":236.26,"end":236.76,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.06976962834596634},{"word":"based","start":236.81999,"end":237.14,"confidence":0.87060547,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.06581243872642517},{"word":"at","start":237.14,"end":237.29999,"confidence":0.7368164,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.061182744801044464},{"word":"the","start":237.29999,"end":237.45999,"confidence":0.9116211,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06864701211452484},{"word":"127,500","start":237.45999,"end":239.87999,"confidence":0.99825615,"punctuated_word":"127,500,","sentiment":"neutral","sentiment_score":0.0788130909204483},{"word":"it","start":240.01999,"end":240.26,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09914516657590866},{"word":"does","start":240.26,"end":240.57999,"confidence":0.84765625,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.07224959135055542},{"word":"mean","start":240.57999,"end":240.73999,"confidence":1.0,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.05575501546263695},{"word":"that","start":240.73999,"end":240.98,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06606393307447433},{"word":"we","start":240.98,"end":241.14,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0806296095252037},{"word":"would","start":241.14,"end":241.45999,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.05102057382464409},{"word":"need","start":241.45999,"end":241.78,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.05632359907031059},{"word":"to","start":241.78,"end":241.93999,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04601540416479111},{"word":"have","start":241.93999,"end":242.43999,"confidence":0.9030762,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":0.06600819528102875},{"word":"sorry","start":243.44499,"end":243.94499,"confidence":0.89501953,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":0.038937121629714966},{"word":"just","start":244.00499,"end":244.48499,"confidence":0.9941406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05885187909007072},{"word":"quickly","start":244.48499,"end":244.885,"confidence":0.99609375,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.0917469784617424},{"word":"doing","start":244.885,"end":245.20499,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.07803097367286682},{"word":"some","start":245.20499,"end":245.44499,"confidence":0.9941406,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.08318881690502167},{"word":"math","start":245.44499,"end":245.765,"confidence":0.99609375,"punctuated_word":"math","sentiment":"neutral","sentiment_score":0.060544516891241074},{"word":"for","start":245.765,"end":246.00499,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06480634212493896},{"word":"you","start":246.00499,"end":246.50499,"confidence":0.9663086,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.06445467472076416},{"word":"a","start":247.045,"end":247.20499,"confidence":0.8173828,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06186996400356293},{"word":"monthly","start":247.20499,"end":247.685,"confidence":1.0,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.04076683893799782},{"word":"benefit","start":247.685,"end":248.08499,"confidence":1.0,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.061020419001579285},{"word":"of","start":248.08499,"end":248.325,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03562339395284653},{"word":"7,437","start":248.325,"end":250.805,"confidence":0.999721,"punctuated_word":"7,437","sentiment":"neutral","sentiment_score":0.027172325178980827},{"word":"and","start":250.805,"end":251.125,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.009218160063028336},{"word":"50¢","start":251.125,"end":251.92499,"confidence":0.9897461,"punctuated_word":"50¢."},{"word":"so","start":251.92499,"end":252.08499,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01450711116194725},{"word":"you","start":252.08499,"end":252.245,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.011399749666452408},{"word":"are","start":252.245,"end":252.48499,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.004054363816976547},{"word":"just","start":252.48499,"end":252.72499,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06351245939731598},{"word":"slightly","start":252.72499,"end":253.20499,"confidence":0.99902344,"punctuated_word":"slightly","sentiment":"neutral","sentiment_score":-0.030896328389644623},{"word":"underinsured","start":253.20499,"end":253.70499,"confidence":0.92529297,"punctuated_word":"underinsured","sentiment":"neutral","sentiment_score":-0.058809541165828705},{"word":"there","start":254.08499,"end":254.58499,"confidence":0.9797363,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.011394593864679337},{"word":"given","start":254.805,"end":255.20499,"confidence":0.99902344,"punctuated_word":"Given","sentiment":"neutral","sentiment_score":0.02176908403635025},{"word":"your","start":255.20499,"end":255.36499,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.01694098860025406},{"word":"current","start":255.36499,"end":255.84499,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.02397260069847107},{"word":"circumstances","start":255.84499,"end":256.34497,"confidence":0.95703125,"punctuated_word":"circumstances","sentiment":"neutral","sentiment_score":0.026111632585525513},{"word":"that","start":256.485,"end":256.645,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02514617890119553},{"word":"you","start":256.645,"end":256.805,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.013421513140201569},{"word":"are","start":256.805,"end":257.205,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.025149676948785785},{"word":"selling","start":257.205,"end":257.60498,"confidence":1.0,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":-0.01549360528588295},{"word":"the","start":257.60498,"end":257.76498,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0003387331962585449},{"word":"house","start":257.76498,"end":258.26498,"confidence":1.0,"punctuated_word":"house","sentiment":"neutral","sentiment_score":-0.005166895687580109},{"word":"with","start":259.4,"end":259.8,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03280024230480194},{"word":"everything","start":259.8,"end":260.28,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.030874714255332947},{"word":"going","start":260.28,"end":260.59998,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.028500229120254517},{"word":"on","start":260.59998,"end":261.0,"confidence":0.9848633,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":0.022085292264819145},{"word":"do","start":261.0,"end":261.24,"confidence":0.97998047,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.049662813544273376},{"word":"you","start":261.24,"end":261.47998,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0408693253993988},{"word":"feel","start":261.47998,"end":261.71997,"confidence":0.9536133,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.0790032297372818},{"word":"like","start":261.71997,"end":261.87997,"confidence":0.97314453,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.13226968050003052},{"word":"the","start":261.87997,"end":262.03998,"confidence":0.7651367,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17752517759799957},{"word":"monthly","start":262.03998,"end":262.43997,"confidence":1.0,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.2422897070646286},{"word":"benefit","start":262.43997,"end":262.91998,"confidence":0.9970703,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.14552104473114014},{"word":"of","start":262.91998,"end":263.08,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22380392253398895},{"word":"6,188","start":263.08,"end":265.0,"confidence":0.99930245,"punctuated_word":"6,188","sentiment":"neutral","sentiment_score":0.23459188640117645},{"word":"pretax","start":265.0,"end":265.5,"confidence":0.9482422,"punctuated_word":"pretax","sentiment":"neutral","sentiment_score":0.21189722418785095},{"word":"would","start":265.56,"end":265.8,"confidence":0.9970703,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.1500493288040161},{"word":"be","start":265.8,"end":266.12,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.16296689212322235},{"word":"sufficient","start":266.12,"end":266.62,"confidence":0.9980469,"punctuated_word":"sufficient","sentiment":"neutral","sentiment_score":0.18931670486927032},{"word":"for","start":266.75998,"end":267.0,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16467398405075073},{"word":"you","start":267.0,"end":267.24,"confidence":0.8937988,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.13349556922912598},{"word":"or","start":267.24,"end":267.47998,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.08455116301774979},{"word":"did","start":267.47998,"end":267.63998,"confidence":0.99902344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.15162520110607147},{"word":"you","start":267.63998,"end":267.8,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15479758381843567},{"word":"wanna","start":267.8,"end":268.03998,"confidence":0.99316406,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.14495116472244263},{"word":"look","start":268.03998,"end":268.28,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.12295488268136978},{"word":"at","start":268.28,"end":268.43997,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1758484244346619},{"word":"maybe","start":268.43997,"end":268.75998,"confidence":0.9863281,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.16906678676605225},{"word":"increasing","start":268.75998,"end":269.24,"confidence":0.984375,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":0.1987023502588272},{"word":"your","start":269.24,"end":269.47998,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2272124141454697},{"word":"income","start":269.47998,"end":269.8,"confidence":0.9980469,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.239681139588356},{"word":"protection","start":269.8,"end":270.3,"confidence":0.9970703,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.1898251324892044},{"word":"for","start":270.36,"end":270.84,"confidence":0.97314453,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.25973010063171387},{"word":"that","start":270.84,"end":271.08,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3168002963066101},{"word":"little","start":271.08,"end":271.31998,"confidence":0.9970703,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.2881007790565491},{"word":"bit","start":271.31998,"end":271.56,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.26137804985046387},{"word":"of","start":271.56,"end":271.63998,"confidence":0.97314453,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2935163378715515},{"word":"extra","start":271.63998,"end":271.96,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.2111663967370987},{"word":"peace","start":271.96,"end":272.19998,"confidence":0.79541016,"punctuated_word":"peace","sentiment":"neutral","sentiment_score":0.20122487843036652},{"word":"of","start":272.19998,"end":272.36,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16956430673599243},{"word":"mind","start":272.36,"end":272.86,"confidence":0.9975586,"punctuated_word":"mind?","sentiment":"neutral","sentiment_score":-0.00848163478076458},{"word":"that's","start":276.415,"end":276.655,"confidence":0.79248047,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.010974094271659853},{"word":"okay","start":276.655,"end":277.155,"confidence":0.9951172,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.08442297577857971},{"word":"yeah","start":279.295,"end":279.795,"confidence":0.76953125,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02637229673564434},{"word":"i","start":282.495,"end":282.655,"confidence":0.5966797,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.002269502729177475},{"word":"can","start":282.655,"end":283.155,"confidence":0.49121094,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":-0.0082799531519413},{"word":"yeah","start":283.935,"end":284.435,"confidence":0.94091797,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.020172875374555588},{"word":"that's","start":284.495,"end":284.815,"confidence":0.9016113,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.029913684353232384},{"word":"okay","start":284.815,"end":285.315,"confidence":0.95581055,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.020798109471797943},{"word":"yeah","start":297.82498,"end":298.145,"confidence":0.7751465,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.25217974185943604},{"word":"absolutely","start":298.145,"end":298.645,"confidence":0.95874023,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.4067450165748596},{"word":"no","start":301.10498,"end":301.425,"confidence":0.9597168,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.13128596544265747},{"word":"not","start":301.425,"end":301.585,"confidence":0.9970703,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.09229720383882524},{"word":"a","start":301.585,"end":301.745,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10201221704483032},{"word":"problem","start":301.745,"end":302.065,"confidence":1.0,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.0926184505224228},{"word":"at","start":302.065,"end":302.145,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.19135192036628723},{"word":"all","start":302.145,"end":302.305,"confidence":0.9863281,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.17856229841709137},{"word":"and","start":302.305,"end":302.465,"confidence":0.9951172,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1746981143951416},{"word":"because","start":302.465,"end":302.625,"confidence":0.7138672,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.16266101598739624},{"word":"we","start":302.625,"end":302.785,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16980206966400146},{"word":"are","start":302.785,"end":302.94498,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1950725615024567},{"word":"gonna","start":302.94498,"end":303.185,"confidence":0.99121094,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.18260625004768372},{"word":"meet","start":303.185,"end":303.345,"confidence":0.9951172,"punctuated_word":"meet","sentiment":"neutral","sentiment_score":0.1535281240940094},{"word":"in","start":303.345,"end":303.505,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.18246808648109436},{"word":"a","start":303.505,"end":303.585,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1401485949754715},{"word":"couple","start":303.585,"end":303.745,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.14423218369483948},{"word":"of","start":303.745,"end":303.905,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09824873507022858},{"word":"weeks","start":303.905,"end":304.38498,"confidence":0.9399414,"punctuated_word":"weeks,","sentiment":"neutral","sentiment_score":0.17793317139148712},{"word":"you've","start":304.38498,"end":304.705,"confidence":0.82421875,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.12854352593421936},{"word":"kind","start":304.705,"end":304.94498,"confidence":0.96972656,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.11746807396411896},{"word":"of","start":304.94498,"end":305.025,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13614746928215027},{"word":"got","start":305.025,"end":305.185,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.11687760055065156},{"word":"this","start":305.185,"end":305.505,"confidence":0.9970703,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.10975798219442368},{"word":"context","start":305.505,"end":305.985,"confidence":0.5175781,"punctuated_word":"context","sentiment":"neutral","sentiment_score":0.12790720164775848},{"word":"here","start":305.985,"end":306.145,"confidence":0.8588867,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.13424131274223328},{"word":"so","start":306.145,"end":306.38498,"confidence":0.9873047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14904315769672394},{"word":"if","start":306.38498,"end":306.54498,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12525814771652222},{"word":"something","start":306.54498,"end":306.94498,"confidence":0.99902344,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.10789003223180772},{"word":"comes","start":306.94498,"end":307.185,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.08943189680576324},{"word":"up","start":307.185,"end":307.345,"confidence":0.98828125,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1267017126083374},{"word":"and","start":307.345,"end":307.585,"confidence":0.94628906,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13477882742881775},{"word":"you","start":307.585,"end":307.745,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11175279319286346},{"word":"go","start":307.745,"end":307.905,"confidence":0.99560547,"punctuated_word":"go,","sentiment":"neutral","sentiment_score":0.0989874005317688},{"word":"hey","start":307.905,"end":308.22498,"confidence":0.90625,"punctuated_word":"hey.","sentiment":"neutral","sentiment_score":0.0935506671667099},{"word":"maybe","start":308.22498,"end":308.465,"confidence":0.99902344,"punctuated_word":"Maybe","sentiment":"neutral","sentiment_score":0.15086975693702698},{"word":"i","start":308.465,"end":308.625,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13015109300613403},{"word":"do","start":308.625,"end":308.785,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.15610720217227936},{"word":"wanna","start":308.785,"end":309.185,"confidence":0.9863281,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.13927583396434784},{"word":"reassess","start":309.185,"end":309.685,"confidence":0.9995117,"punctuated_word":"reassess","sentiment":"neutral","sentiment_score":0.09028010815382004},{"word":"or","start":309.745,"end":309.905,"confidence":0.47973633,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.09924371540546416},{"word":"maybe","start":309.905,"end":310.405,"confidence":0.97875977,"punctuated_word":"maybe,","sentiment":"neutral","sentiment_score":0.10745225846767426},{"word":"you","start":310.52,"end":310.6,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08811917901039124},{"word":"know","start":310.6,"end":310.84,"confidence":0.9941406,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.120986670255661},{"word":"what","start":310.84,"end":311.24,"confidence":0.9902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.11832280457019806},{"word":"this","start":311.24,"end":311.48,"confidence":0.5800781,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.11478185653686523},{"word":"scenario","start":311.48,"end":311.98,"confidence":0.9003906,"punctuated_word":"scenario,","sentiment":"neutral","sentiment_score":0.1868824064731598},{"word":"you","start":312.12,"end":312.28,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18546566367149353},{"word":"can","start":312.28,"end":312.44,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.19564032554626465},{"word":"always","start":312.44,"end":312.76,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.1664772480726242},{"word":"bring","start":312.76,"end":313.0,"confidence":0.9970703,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":0.11943767219781876},{"word":"those","start":313.0,"end":313.24,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.13047291338443756},{"word":"up","start":313.24,"end":313.4,"confidence":0.98291016,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.14264273643493652},{"word":"with","start":313.4,"end":313.64,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.20707759261131287},{"word":"me","start":313.64,"end":313.88,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.22697049379348755},{"word":"again","start":313.88,"end":314.28,"confidence":0.9777832,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":0.17524132132530212},{"word":"we","start":314.28,"end":314.44,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.2321595847606659},{"word":"have","start":314.44,"end":314.6,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2171880602836609},{"word":"that","start":314.6,"end":314.92,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1965661942958832},{"word":"secondary","start":314.92,"end":315.42,"confidence":1.0,"punctuated_word":"secondary","sentiment":"neutral","sentiment_score":0.22298195958137512},{"word":"conversation","start":315.56,"end":316.06,"confidence":0.9951172,"punctuated_word":"conversation","sentiment":"neutral","sentiment_score":0.24991799890995023},{"word":"to","start":316.2,"end":316.44,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22988930344581604},{"word":"really","start":316.44,"end":316.94,"confidence":0.82592773,"punctuated_word":"really,","sentiment":"neutral","sentiment_score":0.20235368609428409},{"word":"knock","start":317.32,"end":317.64,"confidence":0.68066406,"punctuated_word":"knock","sentiment":"neutral","sentiment_score":0.2052299976348877},{"word":"down","start":317.64,"end":317.88,"confidence":0.96069336,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":0.2077414095401764},{"word":"and","start":318.2,"end":318.36002,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23294012248516083},{"word":"we","start":318.36002,"end":318.52,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2527141869068146},{"word":"can","start":318.52,"end":318.68,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2846580743789673},{"word":"always","start":318.68,"end":319.0,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.2743740379810333},{"word":"reassess","start":319.0,"end":319.48,"confidence":0.9995117,"punctuated_word":"reassess","sentiment":"neutral","sentiment_score":0.20540153980255127},{"word":"it","start":319.48,"end":319.64,"confidence":0.8071289,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2604609727859497},{"word":"at","start":319.64,"end":319.72,"confidence":0.9892578,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.30195528268814087},{"word":"any","start":319.72,"end":319.96,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.18817612528800964},{"word":"point","start":319.96,"end":320.2,"confidence":1.0,"punctuated_word":"point.","sentiment":"neutral","sentiment_score":0.1868858337402344},{"word":"you","start":320.2,"end":320.44,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.16291865706443787},{"word":"don't","start":320.44,"end":320.68,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.173810213804245},{"word":"have","start":320.68,"end":320.84,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12983782589435575},{"word":"to","start":320.84,"end":321.0,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08503108471632004},{"word":"wait","start":321.0,"end":321.16,"confidence":1.0,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":0.11960454285144806},{"word":"to","start":321.16,"end":321.32,"confidence":0.83935547,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08441168069839478},{"word":"end","start":321.32,"end":321.48,"confidence":0.7597656,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.1668398082256317},{"word":"your","start":321.48,"end":321.64,"confidence":0.9873047,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10898659378290176},{"word":"review","start":321.64,"end":321.96,"confidence":0.9970703,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.17468678951263428},{"word":"time","start":321.96,"end":322.2,"confidence":0.9604492,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.1862417459487915},{"word":"if","start":322.2,"end":322.36002,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.11474616825580596},{"word":"something","start":322.36002,"end":322.68,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.1623658984899521},{"word":"ever","start":322.68,"end":322.92,"confidence":1.0,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.12532494962215424},{"word":"comes","start":322.92,"end":323.24,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.10004529356956482},{"word":"up","start":323.24,"end":323.72,"confidence":0.9526367,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.1398705542087555},{"word":"that","start":323.88,"end":324.04,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14086385071277618},{"word":"you","start":324.04,"end":324.2,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12518638372421265},{"word":"wanted","start":324.2,"end":324.68,"confidence":0.96533203,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.14566567540168762},{"word":"us","start":324.68,"end":325.0,"confidence":0.91015625,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.14209768176078796},{"word":"to","start":325.0,"end":325.16,"confidence":0.7080078,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1452097445726395},{"word":"discuss","start":325.16,"end":325.64,"confidence":0.49267578,"punctuated_word":"discuss","sentiment":"neutral","sentiment_score":0.12147365510463716},{"word":"or","start":325.64,"end":325.8,"confidence":0.9819336,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.13861684501171112},{"word":"look","start":325.8,"end":326.04,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.14233994483947754},{"word":"at","start":326.04,"end":326.415,"confidence":0.99902344,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":0.2509070634841919},{"word":"you're","start":326.575,"end":326.815,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.3031444251537323},{"word":"welcome","start":326.815,"end":327.05502,"confidence":1.0,"punctuated_word":"welcome","sentiment":"neutral","sentiment_score":0.3276386260986328},{"word":"to","start":327.05502,"end":327.215,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.28702446818351746},{"word":"let","start":327.215,"end":327.45502,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.23436897993087769},{"word":"us","start":327.45502,"end":327.61502,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.30534419417381287},{"word":"know","start":327.61502,"end":327.775,"confidence":0.9951172,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.29896607995033264},{"word":"we'll","start":327.775,"end":328.015,"confidence":1.0,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.3137446641921997},{"word":"book","start":328.015,"end":328.17502,"confidence":1.0,"punctuated_word":"book","sentiment":"neutral","sentiment_score":0.26841193437576294},{"word":"you","start":328.17502,"end":328.33502,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.30704137682914734},{"word":"in","start":328.33502,"end":328.495,"confidence":0.9902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2824037969112396},{"word":"and","start":328.495,"end":328.655,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2882033884525299},{"word":"make","start":328.655,"end":328.815,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.2530859708786011},{"word":"sure","start":328.815,"end":329.05502,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.2833983302116394},{"word":"we","start":329.05502,"end":329.215,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.275819331407547},{"word":"have","start":329.215,"end":329.45502,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2486354559659958},{"word":"those","start":329.45502,"end":329.775,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.21888546645641327},{"word":"conversations","start":329.775,"end":330.275,"confidence":0.99902344,"punctuated_word":"conversations","sentiment":"neutral","sentiment_score":0.26330843567848206},{"word":"with","start":330.415,"end":330.655,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2580162584781647},{"word":"you","start":330.655,"end":330.815,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2879418134689331},{"word":"as","start":330.815,"end":330.975,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.28427815437316895},{"word":"well","start":330.975,"end":331.45502,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.19105607271194455},{"word":"okay","start":331.45502,"end":331.95502,"confidence":0.9680176,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.18085290491580963},{"word":"beautiful","start":333.05502,"end":333.55502,"confidence":0.89208984,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6565834879875183},{"word":"lovely","start":333.775,"end":334.17502,"confidence":1.0,"punctuated_word":"Lovely.","sentiment":"neutral","sentiment_score":0.3055933713912964},{"word":"now","start":334.17502,"end":334.415,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.018544018268585205},{"word":"just","start":334.415,"end":334.655,"confidence":0.984375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.03740132972598076},{"word":"so","start":334.655,"end":334.815,"confidence":0.99121094,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.02142500132322311},{"word":"you","start":334.815,"end":334.975,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03250027075409889},{"word":"are","start":334.975,"end":335.215,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.04321780055761337},{"word":"aware","start":335.215,"end":335.535,"confidence":0.9562988,"punctuated_word":"aware,","sentiment":"neutral","sentiment_score":-0.07872018218040466},{"word":"there","start":335.535,"end":335.695,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.07436627149581909},{"word":"are","start":335.695,"end":335.855,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.09551914781332016},{"word":"other","start":335.855,"end":336.095,"confidence":0.9873047,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.12478861212730408},{"word":"types","start":336.095,"end":336.33502,"confidence":0.9980469,"punctuated_word":"types","sentiment":"neutral","sentiment_score":-0.09727711975574492},{"word":"of","start":336.33502,"end":336.495,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11169955134391785},{"word":"insurances","start":336.495,"end":336.995,"confidence":0.8913574,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":-0.11102012544870377},{"word":"that","start":337.055,"end":337.215,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.16067056357860565},{"word":"you","start":337.215,"end":337.375,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09347499907016754},{"word":"can","start":337.375,"end":337.61502,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.1953991800546646},{"word":"hold","start":337.61502,"end":337.935,"confidence":0.89868164,"punctuated_word":"hold,","sentiment":"neutral","sentiment_score":-0.088487908244133},{"word":"things","start":337.935,"end":338.255,"confidence":0.9970703,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.0866948664188385},{"word":"like","start":338.255,"end":338.43,"confidence":0.9790039,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.14461064338684082},{"word":"trauma","start":338.59,"end":339.09,"confidence":0.9157715,"punctuated_word":"trauma.","sentiment":"neutral","sentiment_score":-0.04457508400082588},{"word":"and","start":339.15,"end":339.38998,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.02756432071328163},{"word":"because","start":339.38998,"end":339.71,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.004087265580892563},{"word":"you","start":339.71,"end":339.87,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.031048376113176342},{"word":"do","start":339.87,"end":340.11,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06646895408630371},{"word":"have","start":340.11,"end":340.27,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04706258326768875},{"word":"children","start":340.27,"end":340.66998,"confidence":0.9995117,"punctuated_word":"children,","sentiment":"neutral","sentiment_score":0.02158634550869465},{"word":"you","start":340.66998,"end":340.83,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04981234669685364},{"word":"can","start":340.83,"end":340.99,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.05651286244392395},{"word":"also","start":340.99,"end":341.22998,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.042601946741342545},{"word":"get","start":341.22998,"end":341.47,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.05830959230661392},{"word":"child","start":341.47,"end":341.78998,"confidence":0.99121094,"punctuated_word":"child","sentiment":"neutral","sentiment_score":0.005847003310918808},{"word":"trauma","start":341.78998,"end":342.19,"confidence":0.9941406,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.029359988868236545},{"word":"policies","start":342.19,"end":342.66998,"confidence":0.99902344,"punctuated_word":"policies","sentiment":"neutral","sentiment_score":0.021107882261276245},{"word":"as","start":342.66998,"end":342.83,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06320753693580627},{"word":"well","start":342.83,"end":343.33,"confidence":0.98999023,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.02835908345878124},{"word":"these","start":343.63,"end":343.87,"confidence":0.62890625,"punctuated_word":"These","sentiment":"neutral","sentiment_score":-0.06094693765044212},{"word":"sort","start":343.87,"end":344.03,"confidence":0.41967773,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.104330874979496},{"word":"of","start":344.03,"end":344.19,"confidence":0.98291016,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05731751397252083},{"word":"policies","start":344.19,"end":344.69,"confidence":0.9819336,"punctuated_word":"policies","sentiment":"neutral","sentiment_score":-0.04929794371128082},{"word":"are","start":344.75,"end":344.91,"confidence":0.99609375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.050985705107450485},{"word":"paid","start":344.91,"end":345.15,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.04265515506267547},{"word":"out","start":345.15,"end":345.38998,"confidence":1.0,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.07777562737464905},{"word":"of","start":345.38998,"end":345.47,"confidence":0.97998047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.112829752266407},{"word":"your","start":345.47,"end":345.63,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.08753714710474014},{"word":"back","start":345.63,"end":345.87,"confidence":0.9980469,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.0648200511932373},{"word":"pocket","start":345.87,"end":346.19,"confidence":0.7609863,"punctuated_word":"pocket,","sentiment":"neutral","sentiment_score":-0.0866999626159668},{"word":"so","start":346.19,"end":346.35,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.10806357115507126},{"word":"probably","start":346.35,"end":346.75,"confidence":0.9614258,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.13976767659187317},{"word":"not","start":346.75,"end":346.99,"confidence":0.9980469,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.20337842404842377},{"word":"preferable","start":346.99,"end":347.49,"confidence":0.9980469,"punctuated_word":"preferable","sentiment":"neutral","sentiment_score":-0.11050260812044144},{"word":"now","start":347.55,"end":347.78998,"confidence":0.99902344,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.093852199614048},{"word":"with","start":347.78998,"end":347.94998,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.09727858006954192},{"word":"all","start":347.94998,"end":348.11,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.11609061807394028},{"word":"the","start":348.11,"end":348.27,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11389779299497604},{"word":"changes","start":348.27,"end":348.77,"confidence":0.9980469,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.06750255823135376},{"word":"going","start":348.83,"end":349.07,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.04487074166536331},{"word":"on","start":349.07,"end":349.57,"confidence":0.95751953,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.0376400388777256},{"word":"but","start":350.03,"end":350.27,"confidence":0.9506836,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.012621579691767693},{"word":"essentially","start":350.27,"end":350.77,"confidence":0.9995117,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":-0.01955924555659294},{"word":"trauma","start":351.155,"end":351.55502,"confidence":1.0,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.10158658772706984},{"word":"and","start":351.55502,"end":351.635,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08748427778482437},{"word":"child","start":351.635,"end":352.035,"confidence":0.9892578,"punctuated_word":"child","sentiment":"neutral","sentiment_score":-0.08776064962148666},{"word":"trauma","start":352.035,"end":352.515,"confidence":0.99121094,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.056307826191186905},{"word":"tend","start":352.515,"end":352.67502,"confidence":0.9873047,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":-0.007368728518486023},{"word":"to","start":352.67502,"end":352.83502,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03757559880614281},{"word":"pay","start":352.83502,"end":353.155,"confidence":0.8388672,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.03287548944354057},{"word":"out","start":353.155,"end":353.39502,"confidence":0.82666016,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.01682223007082939},{"word":"a","start":353.39502,"end":353.55502,"confidence":0.72998047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.007310468703508377},{"word":"lump","start":353.55502,"end":353.795,"confidence":0.99902344,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.04511694982647896},{"word":"sum","start":353.795,"end":354.11502,"confidence":0.9941406,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":0.03939110040664673},{"word":"tax","start":354.11502,"end":354.435,"confidence":0.96240234,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.12323424220085144},{"word":"free","start":354.435,"end":354.755,"confidence":0.9951172,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.08098490536212921},{"word":"benefits","start":354.755,"end":355.255,"confidence":0.98535156,"punctuated_word":"benefits","sentiment":"neutral","sentiment_score":0.04699815809726715},{"word":"in","start":355.315,"end":355.475,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04006670042872429},{"word":"the","start":355.475,"end":355.71503,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04968792572617531},{"word":"event","start":355.71503,"end":356.035,"confidence":0.99121094,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.049924302846193314},{"word":"that","start":356.035,"end":356.27502,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.019186656922101974},{"word":"you","start":356.27502,"end":356.595,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.020164906978607178},{"word":"or","start":356.595,"end":356.755,"confidence":0.9951172,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.012882322072982788},{"word":"your","start":356.755,"end":356.99503,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.016077805310487747},{"word":"kids","start":356.99503,"end":357.39502,"confidence":0.99902344,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":-0.01058650016784668},{"word":"are","start":357.39502,"end":357.635,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.022032402455806732},{"word":"diagnosed","start":357.635,"end":358.11502,"confidence":0.99121094,"punctuated_word":"diagnosed","sentiment":"neutral","sentiment_score":-0.005193397402763367},{"word":"as","start":358.11502,"end":358.355,"confidence":0.5961914,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.022689271718263623},{"word":"major","start":358.355,"end":358.755,"confidence":0.9892578,"punctuated_word":"major","sentiment":"neutral","sentiment_score":-0.055344074964523315},{"word":"traumatic","start":358.755,"end":359.255,"confidence":0.9838867,"punctuated_word":"traumatic","sentiment":"neutral","sentiment_score":-0.07053738832473755},{"word":"events","start":359.315,"end":359.815,"confidence":0.8354492,"punctuated_word":"events.","sentiment":"neutral","sentiment_score":-0.0903908833861351},{"word":"some","start":360.195,"end":360.355,"confidence":0.9980469,"punctuated_word":"Some","sentiment":"neutral","sentiment_score":-0.06258728355169296},{"word":"of","start":360.355,"end":360.515,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06750275939702988},{"word":"the","start":360.515,"end":360.67502,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.058200664818286896},{"word":"bigger","start":360.67502,"end":360.99503,"confidence":0.9970703,"punctuated_word":"bigger","sentiment":"neutral","sentiment_score":-0.06936504691839218},{"word":"ones","start":360.99503,"end":361.315,"confidence":1.0,"punctuated_word":"ones","sentiment":"neutral","sentiment_score":-0.0702156275510788},{"word":"that","start":361.315,"end":361.55502,"confidence":0.98828125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06076488643884659},{"word":"are","start":361.55502,"end":361.875,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.05534599348902702},{"word":"considered","start":361.875,"end":362.375,"confidence":0.9970703,"punctuated_word":"considered","sentiment":"neutral","sentiment_score":-0.04984643310308456},{"word":"are","start":362.435,"end":362.515,"confidence":0.9404297,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.05835934728384018},{"word":"like","start":362.515,"end":362.83502,"confidence":0.5605469,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.07093311846256256},{"word":"cancer","start":362.83502,"end":363.33502,"confidence":0.967041,"punctuated_word":"cancer.","sentiment":"neutral","sentiment_score":-0.054101839661598206},{"word":"for","start":363.875,"end":364.11502,"confidence":0.9970703,"punctuated_word":"For","sentiment":"neutral","sentiment_score":-0.02377369254827499},{"word":"trauma","start":364.11502,"end":364.515,"confidence":0.9941406,"punctuated_word":"trauma,","sentiment":"neutral","sentiment_score":-0.015998585149645805},{"word":"it","start":364.515,"end":364.755,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.029337875545024872},{"word":"also","start":364.755,"end":365.075,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.009567949920892715},{"word":"covers","start":365.075,"end":365.475,"confidence":0.99902344,"punctuated_word":"covers","sentiment":"neutral","sentiment_score":0.004231832921504974},{"word":"things","start":365.475,"end":365.795,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.0024208948016166687},{"word":"like","start":365.795,"end":366.035,"confidence":0.96240234,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.010951951146125792},{"word":"heart","start":366.035,"end":366.27502,"confidence":0.9980469,"punctuated_word":"heart","sentiment":"neutral","sentiment_score":-0.005714539438486099},{"word":"attacks","start":366.27502,"end":366.72,"confidence":0.7932129,"punctuated_word":"attacks,","sentiment":"neutral","sentiment_score":-0.005945418030023575},{"word":"strokes","start":366.8,"end":367.3,"confidence":0.8701172,"punctuated_word":"strokes,","sentiment":"neutral","sentiment_score":-0.0038049742579460144},{"word":"parkinson's","start":367.36002,"end":367.86002,"confidence":0.92529297,"punctuated_word":"Parkinson's,","sentiment":"neutral","sentiment_score":-0.01096279453486204},{"word":"or","start":368.16,"end":368.4,"confidence":0.9951172,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0017597377300262451},{"word":"other","start":368.4,"end":368.56,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.009701579809188845},{"word":"neurological","start":368.56,"end":369.06,"confidence":0.99902344,"punctuated_word":"neurological","sentiment":"neutral","sentiment_score":-0.01874104142189026},{"word":"conditions","start":369.44,"end":369.92,"confidence":0.91748047,"punctuated_word":"conditions.","sentiment":"neutral","sentiment_score":-0.017345108091831207},{"word":"so","start":369.92,"end":370.16,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.026715870946645737},{"word":"they","start":370.16,"end":370.32,"confidence":0.9770508,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.03797527402639389},{"word":"are","start":370.32,"end":370.64,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.02686762809753418},{"word":"major","start":370.64,"end":371.04,"confidence":0.99902344,"punctuated_word":"major","sentiment":"neutral","sentiment_score":0.056913215667009354},{"word":"conditions","start":371.04,"end":371.54,"confidence":0.9729004,"punctuated_word":"conditions,","sentiment":"neutral","sentiment_score":0.07590517401695251},{"word":"that","start":372.32,"end":372.56,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07693471014499664},{"word":"they","start":372.56,"end":372.72,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.09810753911733627},{"word":"that","start":372.8,"end":372.96,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09258463978767396},{"word":"you","start":372.96,"end":373.2,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09557653218507768},{"word":"can","start":373.2,"end":373.52,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10032512247562408},{"word":"claim","start":373.52,"end":373.76,"confidence":0.9970703,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.09717148542404176},{"word":"on","start":373.76,"end":374.16,"confidence":0.7780762,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":0.0826263576745987},{"word":"and","start":374.48,"end":374.72,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.087434321641922},{"word":"these","start":374.72,"end":374.88,"confidence":0.984375,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.13944049179553986},{"word":"are","start":374.88,"end":375.04,"confidence":0.3540039,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.09031890332698822},{"word":"the","start":375.04,"end":375.2,"confidence":0.9658203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12182021886110306},{"word":"policies","start":375.2,"end":375.68,"confidence":0.98535156,"punctuated_word":"policies","sentiment":"neutral","sentiment_score":0.10052882134914398},{"word":"can","start":375.68,"end":375.92,"confidence":0.6894531,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14128655195236206},{"word":"be","start":375.92,"end":376.08,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.17390623688697815},{"word":"fairly","start":376.08,"end":376.48,"confidence":0.9980469,"punctuated_word":"fairly","sentiment":"neutral","sentiment_score":0.25638750195503235},{"word":"cheap","start":376.48,"end":376.88,"confidence":0.9790039,"punctuated_word":"cheap","sentiment":"neutral","sentiment_score":0.16035956144332886},{"word":"depending","start":376.88,"end":377.28,"confidence":0.9453125,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":0.20369447767734528},{"word":"on","start":377.28,"end":377.44,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.15317745506763458},{"word":"how","start":377.44,"end":377.52,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.12289845198392868},{"word":"much","start":377.52,"end":377.84,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.08867396414279938},{"word":"you","start":377.84,"end":378.0,"confidence":0.98828125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09330548346042632},{"word":"wanna","start":378.0,"end":378.24,"confidence":0.9838867,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.10174012929201126},{"word":"be","start":378.24,"end":378.4,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.07040759176015854},{"word":"covered","start":378.4,"end":378.8,"confidence":1.0,"punctuated_word":"covered","sentiment":"neutral","sentiment_score":0.07162302732467651},{"word":"for","start":378.8,"end":379.28,"confidence":0.85424805,"punctuated_word":"for.","sentiment":"neutral","sentiment_score":0.05341286584734917},{"word":"but","start":379.28,"end":379.68,"confidence":0.9892578,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.040941983461380005},{"word":"the","start":379.68,"end":379.84,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.20405031740665436},{"word":"problem","start":379.84,"end":380.24,"confidence":0.99902344,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":-0.25308531522750854},{"word":"with","start":380.24,"end":380.565,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.24611537158489227},{"word":"trauma","start":380.645,"end":380.965,"confidence":1.0,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.28682518005371094},{"word":"and","start":380.965,"end":381.045,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2678681015968323},{"word":"child","start":381.045,"end":381.365,"confidence":0.9863281,"punctuated_word":"child","sentiment":"neutral","sentiment_score":-0.3065773844718933},{"word":"trauma","start":381.365,"end":381.605,"confidence":0.9951172,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.2970621585845947},{"word":"is","start":381.605,"end":381.845,"confidence":0.98828125,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.3461236357688904},{"word":"you","start":381.845,"end":382.005,"confidence":0.99902344,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.4461902976036072},{"word":"have","start":382.005,"end":382.165,"confidence":1.0,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.39601919054985046},{"word":"to","start":382.165,"end":382.245,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4146542251110077},{"word":"pay","start":382.245,"end":382.405,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"negative","sentiment_score":-0.44284674525260925},{"word":"for","start":382.405,"end":382.645,"confidence":0.9614258,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.4191533923149109},{"word":"it","start":382.645,"end":382.725,"confidence":0.9165039,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.4766416847705841},{"word":"out","start":382.725,"end":382.805,"confidence":0.9951172,"punctuated_word":"out","sentiment":"negative","sentiment_score":-0.4294290542602539},{"word":"of","start":382.805,"end":382.965,"confidence":0.9980469,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.5118834972381592},{"word":"your","start":382.965,"end":383.125,"confidence":0.99121094,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.48522093892097473},{"word":"back","start":383.125,"end":383.365,"confidence":0.9951172,"punctuated_word":"back","sentiment":"negative","sentiment_score":-0.4363716542720794},{"word":"pocket","start":383.365,"end":383.765,"confidence":0.88061523,"punctuated_word":"pocket.","sentiment":"negative","sentiment_score":-0.4642673432826996},{"word":"so","start":383.765,"end":384.165,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.30575618147850037},{"word":"it","start":384.165,"end":384.325,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.291195809841156},{"word":"does","start":384.325,"end":384.645,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.2250075489282608},{"word":"depend","start":384.645,"end":385.045,"confidence":0.99902344,"punctuated_word":"depend","sentiment":"neutral","sentiment_score":-0.1922510266304016},{"word":"upon","start":385.045,"end":385.285,"confidence":0.9980469,"punctuated_word":"upon","sentiment":"neutral","sentiment_score":-0.23680593073368073},{"word":"your","start":385.285,"end":385.525,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.285123735666275},{"word":"current","start":385.525,"end":385.845,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.291578471660614},{"word":"cash","start":385.845,"end":386.165,"confidence":1.0,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.25608015060424805},{"word":"flow","start":386.165,"end":386.48502,"confidence":0.9760742,"punctuated_word":"flow,","sentiment":"neutral","sentiment_score":-0.23271749913692472},{"word":"living","start":386.48502,"end":386.965,"confidence":0.9980469,"punctuated_word":"living","sentiment":"neutral","sentiment_score":-0.2957834303379059},{"word":"expenses","start":386.965,"end":387.465,"confidence":0.9904785,"punctuated_word":"expenses,","sentiment":"neutral","sentiment_score":-0.22555390000343323},{"word":"and","start":387.525,"end":388.005,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2807794213294983},{"word":"how","start":388.005,"end":388.245,"confidence":0.9980469,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.26533812284469604},{"word":"everything's","start":388.245,"end":388.725,"confidence":0.98706055,"punctuated_word":"everything's","sentiment":"neutral","sentiment_score":-0.24907821416854856},{"word":"going","start":388.725,"end":389.045,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.21187026798725128},{"word":"for","start":389.045,"end":389.20502,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.31102922558784485},{"word":"yourself","start":389.20502,"end":389.525,"confidence":0.984375,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":-0.2476625144481659},{"word":"as","start":389.525,"end":389.765,"confidence":0.98291016,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.2996344566345215},{"word":"to","start":389.765,"end":389.845,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2955864369869232},{"word":"whether","start":389.845,"end":390.085,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.2776866555213928},{"word":"you","start":390.085,"end":390.245,"confidence":1.0,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.35008612275123596},{"word":"can","start":390.245,"end":390.48502,"confidence":0.99902344,"punctuated_word":"can","sentiment":"negative","sentiment_score":-0.36027416586875916},{"word":"afford","start":390.48502,"end":390.805,"confidence":1.0,"punctuated_word":"afford","sentiment":"negative","sentiment_score":-0.3572879731655121},{"word":"to","start":390.805,"end":390.965,"confidence":0.9970703,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4086425006389618},{"word":"cover","start":390.965,"end":391.20502,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.2829431891441345},{"word":"that","start":391.20502,"end":391.525,"confidence":1.0,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.36336517333984375},{"word":"cost","start":391.525,"end":392.025,"confidence":0.8952637,"punctuated_word":"cost.","sentiment":"neutral","sentiment_score":-0.27984103560447693},{"word":"whereas","start":392.805,"end":393.305,"confidence":0.907959,"punctuated_word":"Whereas,","sentiment":"neutral","sentiment_score":-0.08603223413228989},{"word":"yeah","start":393.89,"end":394.13,"confidence":0.99560547,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.07797379791736603},{"word":"whereas","start":394.13,"end":394.53,"confidence":0.83447266,"punctuated_word":"whereas","sentiment":"neutral","sentiment_score":-0.07971982657909393},{"word":"life","start":394.53,"end":394.77002,"confidence":0.72998047,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.12081148475408554},{"word":"and","start":394.77002,"end":394.85,"confidence":0.8720703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1295842081308365},{"word":"income","start":394.85,"end":395.35,"confidence":0.19787598,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.11408037692308426},{"word":"protection","start":395.73,"end":396.21002,"confidence":0.9802246,"punctuated_word":"protection,","sentiment":"neutral","sentiment_score":-0.09559710323810576},{"word":"you","start":396.21002,"end":396.29,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10903386026620863},{"word":"can","start":396.29,"end":396.53,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.09626224637031557},{"word":"hold","start":396.53,"end":396.85,"confidence":1.0,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.07029049098491669},{"word":"inside","start":396.85,"end":397.33002,"confidence":0.97998047,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":-0.15207482874393463},{"word":"super","start":397.33002,"end":397.65,"confidence":0.9248047,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.08888133615255356},{"word":"and","start":397.65,"end":397.89,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.17455416917800903},{"word":"pay","start":397.89,"end":398.05002,"confidence":0.8076172,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.1764603704214096},{"word":"out","start":398.05002,"end":398.29,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.14748787879943848},{"word":"of","start":398.29,"end":398.37,"confidence":0.8574219,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1806371510028839},{"word":"your","start":398.37,"end":398.61002,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.1813669055700302},{"word":"super","start":398.61002,"end":399.09,"confidence":0.9941406,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.1171620562672615},{"word":"side","start":399.09,"end":399.25,"confidence":0.9941406,"punctuated_word":"side","sentiment":"neutral","sentiment_score":-0.08744603395462036},{"word":"of","start":399.25,"end":399.41,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1398625522851944},{"word":"things","start":399.41,"end":399.91,"confidence":0.9770508,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":-0.15706321597099304},{"word":"so","start":400.29,"end":400.45,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.10622738301753998},{"word":"there","start":400.45,"end":400.69,"confidence":0.8911133,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.1017729640007019},{"word":"is","start":400.69,"end":400.93,"confidence":0.9941406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0709264725446701},{"word":"just","start":400.93,"end":401.09,"confidence":0.55029297,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0770600289106369},{"word":"that","start":401.09,"end":401.33002,"confidence":0.98828125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09893570840358734},{"word":"to","start":401.33002,"end":401.57,"confidence":0.9428711,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08036574721336365},{"word":"sort","start":401.57,"end":401.89,"confidence":0.9902344,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.103025421500206},{"word":"of","start":401.89,"end":402.13,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09163154661655426},{"word":"make","start":402.13,"end":402.29,"confidence":0.9448242,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.10503703355789185},{"word":"sure","start":402.29,"end":402.45,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.08072783052921295},{"word":"that","start":402.45,"end":402.69,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09185297787189484},{"word":"you're","start":402.69,"end":402.85,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.06601623445749283},{"word":"aware","start":402.85,"end":403.25,"confidence":1.0,"punctuated_word":"aware","sentiment":"neutral","sentiment_score":-0.08057726919651031},{"word":"of","start":403.25,"end":403.49002,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.105850949883461},{"word":"as","start":403.49002,"end":403.65,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.06287720799446106},{"word":"well","start":403.65,"end":404.15,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.10382144898176192},{"word":"are","start":404.69,"end":404.93,"confidence":0.984375,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.0099444929510355},{"word":"you","start":404.93,"end":405.25,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01936524733901024},{"word":"wanting","start":405.25,"end":405.75,"confidence":0.8198242,"punctuated_word":"wanting?","sentiment":"neutral","sentiment_score":-0.036503177136182785},{"word":"yeah","start":406.375,"end":406.875,"confidence":0.96435547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07951288670301437},{"word":"yeah","start":414.695,"end":415.195,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07710055261850357},{"word":"yeah","start":415.415,"end":415.915,"confidence":0.99609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04073790833353996},{"word":"yeah","start":427.43,"end":427.91,"confidence":0.9946289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.033488668501377106},{"word":"yeah","start":427.91,"end":428.41,"confidence":0.8327637,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.031024813652038578},{"word":"no","start":430.805,"end":431.045,"confidence":0.9604492,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.14599457383155823},{"word":"that's","start":431.045,"end":431.525,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2886391580104828},{"word":"absolutely","start":431.525,"end":432.025,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.33227401971817017},{"word":"fine","start":432.085,"end":432.405,"confidence":1.0,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.3408268094062805},{"word":"that's","start":432.405,"end":432.64502,"confidence":0.9980469,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.4985055923461914},{"word":"not","start":432.64502,"end":432.885,"confidence":1.0,"punctuated_word":"not","sentiment":"positive","sentiment_score":0.4703829884529114},{"word":"a","start":432.885,"end":432.965,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4895966947078705},{"word":"problem","start":432.965,"end":433.285,"confidence":1.0,"punctuated_word":"problem","sentiment":"positive","sentiment_score":0.5323021411895752},{"word":"at","start":433.285,"end":433.445,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.5044003129005432},{"word":"all","start":433.445,"end":433.845,"confidence":0.9970703,"punctuated_word":"all.","sentiment":"positive","sentiment_score":0.510382890701294},{"word":"easy","start":433.845,"end":434.325,"confidence":0.6821289,"punctuated_word":"Easy","sentiment":"positive","sentiment_score":0.5176371335983276},{"word":"done","start":434.325,"end":434.805,"confidence":0.9980469,"punctuated_word":"done.","sentiment":"positive","sentiment_score":0.4903796315193176},{"word":"so","start":434.805,"end":435.045,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.32933273911476135},{"word":"that's","start":435.045,"end":435.285,"confidence":0.9980469,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.37892112135887146},{"word":"essentially","start":435.285,"end":435.685,"confidence":0.96972656,"punctuated_word":"essentially","sentiment":"positive","sentiment_score":0.35856229066848755},{"word":"looking","start":435.685,"end":435.92502,"confidence":0.9980469,"punctuated_word":"looking","sentiment":"positive","sentiment_score":0.3861101567745209},{"word":"at","start":435.92502,"end":436.085,"confidence":0.9970703,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.4115062952041626},{"word":"your","start":436.085,"end":436.245,"confidence":0.9199219,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4595091938972473},{"word":"super","start":436.245,"end":436.48502,"confidence":0.82373047,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.42418372631073},{"word":"and","start":436.48502,"end":436.64502,"confidence":0.4260254,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3832228481769562},{"word":"the","start":436.64502,"end":436.805,"confidence":0.90771484,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4219576120376587},{"word":"insurance","start":436.805,"end":437.045,"confidence":0.9526367,"punctuated_word":"insurance","sentiment":"positive","sentiment_score":0.353914737701416},{"word":"side","start":437.045,"end":437.445,"confidence":1.0,"punctuated_word":"side","sentiment":"positive","sentiment_score":0.3691507577896118},{"word":"of","start":437.445,"end":437.525,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.41772982478141785},{"word":"things","start":437.525,"end":437.845,"confidence":0.99609375,"punctuated_word":"things.","sentiment":"positive","sentiment_score":0.41642987728118896},{"word":"it's","start":437.845,"end":438.005,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.5428937673568726},{"word":"good","start":438.005,"end":438.245,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6362317204475403},{"word":"to","start":438.245,"end":438.325,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6424455046653748},{"word":"see","start":438.325,"end":438.565,"confidence":0.99902344,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.6587623953819275},{"word":"things","start":438.565,"end":438.805,"confidence":0.9980469,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.6879500150680542},{"word":"are","start":438.805,"end":438.965,"confidence":0.98828125,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.6958930492401123},{"word":"working","start":438.965,"end":439.365,"confidence":0.9980469,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.6963948011398315},{"word":"there","start":439.365,"end":439.605,"confidence":0.9980469,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.6754941344261169},{"word":"for","start":439.605,"end":439.845,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5994488000869751},{"word":"you","start":439.845,"end":440.345,"confidence":0.98999023,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4482612609863281},{"word":"just","start":440.48502,"end":440.725,"confidence":0.7602539,"punctuated_word":"Just","sentiment":"positive","sentiment_score":0.35005807876586914},{"word":"looking","start":440.725,"end":441.125,"confidence":0.5332031,"punctuated_word":"looking","sentiment":"positive","sentiment_score":0.39382636547088623},{"word":"at","start":441.125,"end":441.285,"confidence":0.93408203,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.4546856880187988},{"word":"goal","start":441.285,"end":441.525,"confidence":0.9199219,"punctuated_word":"goal","sentiment":"positive","sentiment_score":0.38064444065093994},{"word":"wise","start":441.525,"end":442.025,"confidence":0.96533203,"punctuated_word":"wise","sentiment":"positive","sentiment_score":0.43533143401145935},{"word":"with","start":442.28998,"end":442.44998,"confidence":0.99902344,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4660596549510956},{"word":"your","start":442.44998,"end":442.77,"confidence":0.9902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.40216997265815735},{"word":"super","start":442.77,"end":443.27,"confidence":0.8220215,"punctuated_word":"super,","sentiment":"positive","sentiment_score":0.39578425884246826},{"word":"i","start":443.33,"end":443.40997,"confidence":0.89501953,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.33919450640678406},{"word":"mean","start":443.40997,"end":443.65,"confidence":0.98876953,"punctuated_word":"mean,","sentiment":"positive","sentiment_score":0.3688519299030304},{"word":"i","start":443.65,"end":443.72998,"confidence":0.9135742,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.34610268473625183},{"word":"know","start":443.72998,"end":443.88998,"confidence":0.9560547,"punctuated_word":"know","sentiment":"positive","sentiment_score":0.3418445587158203},{"word":"we're","start":443.88998,"end":444.12997,"confidence":0.9926758,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.34239429235458374},{"word":"gonna","start":444.12997,"end":444.37,"confidence":0.9790039,"punctuated_word":"gonna","sentiment":"positive","sentiment_score":0.36268121004104614},{"word":"look","start":444.37,"end":444.53,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.30311983823776245},{"word":"at","start":444.53,"end":444.69,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.29421260952949524},{"word":"sort","start":444.69,"end":444.84998,"confidence":0.98095703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2844007909297943},{"word":"of","start":444.84998,"end":444.93,"confidence":0.984375,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3649762272834778},{"word":"the","start":444.93,"end":445.09,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.313327819108963},{"word":"next","start":445.09,"end":445.33,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.19301415979862213},{"word":"five","start":445.33,"end":445.65,"confidence":0.99902344,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.22448475658893585},{"word":"to","start":445.65,"end":445.72998,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18348662555217743},{"word":"ten","start":445.72998,"end":445.97,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.24678993225097656},{"word":"years","start":445.97,"end":446.21,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.26283934712409973},{"word":"and","start":446.21,"end":446.37,"confidence":0.9707031,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2574174702167511},{"word":"look","start":446.37,"end":446.53,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.2920892834663391},{"word":"at","start":446.53,"end":446.77,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.3326985538005829},{"word":"investing","start":446.77,"end":447.27,"confidence":0.99902344,"punctuated_word":"investing","sentiment":"neutral","sentiment_score":0.27205437421798706},{"word":"outside","start":447.33,"end":447.65,"confidence":0.99609375,"punctuated_word":"outside","sentiment":"positive","sentiment_score":0.3354799747467041},{"word":"of","start":447.65,"end":447.81,"confidence":0.9301758,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.353970468044281},{"word":"super","start":447.81,"end":448.12997,"confidence":0.9970703,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.360262006521225},{"word":"and","start":448.12997,"end":448.37,"confidence":0.9902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3798375129699707},{"word":"all","start":448.37,"end":448.53,"confidence":0.99902344,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.3493492305278778},{"word":"the","start":448.53,"end":448.61,"confidence":0.9902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.39967426657676697},{"word":"other","start":448.61,"end":448.93,"confidence":0.99902344,"punctuated_word":"other","sentiment":"positive","sentiment_score":0.3973824679851532},{"word":"aspects","start":448.93,"end":449.33,"confidence":0.90234375,"punctuated_word":"aspects","sentiment":"positive","sentiment_score":0.3678959310054779},{"word":"there","start":449.33,"end":449.56998,"confidence":0.9838867,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.3826915025711059},{"word":"for","start":449.56998,"end":449.72998,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3560338616371155},{"word":"you","start":449.72998,"end":449.97,"confidence":0.84594727,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.14512890577316284},{"word":"but","start":449.97,"end":450.44998,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.1307399868965149},{"word":"are","start":450.44998,"end":450.61,"confidence":0.97802734,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.07609263807535172},{"word":"you","start":450.61,"end":450.77,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11824333667755128},{"word":"sort","start":450.77,"end":451.00998,"confidence":0.9838867,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.17974212765693665},{"word":"of","start":451.00998,"end":451.16998,"confidence":0.8618164,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19978712499141693},{"word":"hoping","start":451.16998,"end":451.56998,"confidence":0.99902344,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":0.199139803647995},{"word":"to","start":451.56998,"end":451.81,"confidence":0.9211426,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.17080742120742798},{"word":"at","start":451.81,"end":452.05,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.14978016912937164},{"word":"the","start":452.05,"end":452.21,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21462981402873993},{"word":"age","start":452.21,"end":452.44998,"confidence":0.9970703,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.16533415019512177},{"word":"of","start":452.44998,"end":452.61,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.199300155043602},{"word":"60","start":452.61,"end":453.09,"confidence":0.98657227,"punctuated_word":"60,","sentiment":"neutral","sentiment_score":0.24376337230205536},{"word":"maybe","start":453.09,"end":453.56998,"confidence":0.9970703,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.25926443934440613},{"word":"be","start":453.56998,"end":453.72998,"confidence":0.96533203,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.24039655923843384},{"word":"able","start":453.72998,"end":453.97,"confidence":0.99902344,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.30078524351119995},{"word":"to","start":453.97,"end":454.12997,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3215125501155853},{"word":"start","start":454.12997,"end":454.37,"confidence":0.86865234,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.25881141424179077},{"word":"working","start":454.37,"end":454.69,"confidence":0.99902344,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.30443376302719116},{"word":"and","start":454.69,"end":455.00998,"confidence":0.97998047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2837674617767334},{"word":"access","start":455.00998,"end":455.40997,"confidence":0.9941406,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.2921867370605469},{"word":"your","start":455.40997,"end":455.56998,"confidence":0.97509766,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3816404342651367},{"word":"super","start":455.56998,"end":455.97,"confidence":0.7044678,"punctuated_word":"super,","sentiment":"positive","sentiment_score":0.366894006729126},{"word":"so","start":455.97,"end":456.12997,"confidence":0.93359375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.29466941952705383},{"word":"try","start":456.12997,"end":456.37,"confidence":0.984375,"punctuated_word":"try","sentiment":"positive","sentiment_score":0.36749032139778137},{"word":"to","start":456.37,"end":456.53,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4035804569721222},{"word":"access","start":456.53,"end":456.93,"confidence":0.9838867,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.30914872884750366},{"word":"super","start":456.93,"end":457.16998,"confidence":0.9921875,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.4775497019290924},{"word":"at","start":457.16998,"end":457.33,"confidence":0.99902344,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.3627444803714752},{"word":"the","start":457.33,"end":457.49,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3775305151939392},{"word":"earliest","start":457.49,"end":457.875,"confidence":0.9970703,"punctuated_word":"earliest","sentiment":"neutral","sentiment_score":0.2901287078857422},{"word":"possible","start":458.035,"end":458.355,"confidence":1.0,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":0.21239611506462097},{"word":"opportunity","start":458.355,"end":458.855,"confidence":0.9909668,"punctuated_word":"opportunity.","sentiment":"neutral","sentiment_score":0.24702328443527224},{"word":"what's","start":458.995,"end":459.235,"confidence":0.97143555,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":0.13895586133003235},{"word":"your","start":459.235,"end":459.395,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09683625400066376},{"word":"thoughts","start":459.395,"end":459.715,"confidence":0.9453125,"punctuated_word":"thoughts","sentiment":"neutral","sentiment_score":0.13645948469638824},{"word":"with","start":459.715,"end":459.875,"confidence":0.99316406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.15935830771923065},{"word":"your","start":459.875,"end":460.035,"confidence":0.9941406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1820563971996307},{"word":"super","start":460.035,"end":460.435,"confidence":0.94189453,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2888648509979248},{"word":"goal","start":460.435,"end":460.935,"confidence":0.85791016,"punctuated_word":"goal?","sentiment":"neutral","sentiment_score":0.2381456196308136},{"word":"yeah","start":462.995,"end":463.495,"confidence":0.7910156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06499866396188736},{"word":"yeah","start":469.155,"end":469.655,"confidence":0.85595703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.32135316729545593},{"word":"beautiful","start":469.955,"end":470.455,"confidence":0.99853516,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5822077393531799},{"word":"yeah","start":480.92,"end":481.42,"confidence":0.9875488,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02826092764735222},{"word":"yeah","start":481.64,"end":482.14,"confidence":0.8383789,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.030609317123889923},{"word":"yeah","start":490.77502,"end":490.855,"confidence":0.74194336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09831279516220091},{"word":"absolutely","start":490.855,"end":491.355,"confidence":0.88623047,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.16585621237754822},{"word":"no","start":492.77502,"end":493.17502,"confidence":0.9692383,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.02076856791973114},{"word":"perfect","start":493.17502,"end":493.49503,"confidence":0.9995117,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.32592666149139404},{"word":"well","start":493.49503,"end":493.65503,"confidence":0.9970703,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.21666760742664337},{"word":"what","start":493.65503,"end":493.89502,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2667277455329895},{"word":"i'll","start":493.89502,"end":494.05502,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.32799872756004333},{"word":"do","start":494.05502,"end":494.375,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.3114248812198639},{"word":"for","start":494.375,"end":494.535,"confidence":0.64208984,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.32809263467788696},{"word":"your","start":494.535,"end":494.855,"confidence":0.96777344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3421645760536194},{"word":"super","start":494.855,"end":495.17502,"confidence":0.9135742,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.3927929699420929},{"word":"side","start":495.17502,"end":495.415,"confidence":0.9863281,"punctuated_word":"side","sentiment":"positive","sentiment_score":0.3784112334251404},{"word":"of","start":495.415,"end":495.49503,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3781164586544037},{"word":"things","start":495.49503,"end":495.815,"confidence":0.98950195,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.33203041553497314},{"word":"i'll","start":495.815,"end":495.975,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.31238096952438354},{"word":"work","start":495.975,"end":496.295,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.32398322224617004},{"word":"on","start":496.295,"end":496.45502,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.39526671171188354},{"word":"a","start":496.45502,"end":496.535,"confidence":0.984375,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4389999210834503},{"word":"goal","start":496.535,"end":496.855,"confidence":1.0,"punctuated_word":"goal","sentiment":"positive","sentiment_score":0.3504461944103241},{"word":"of","start":496.855,"end":497.1,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3619365990161896},{"word":"60","start":497.18,"end":497.68,"confidence":0.9267578,"punctuated_word":"60.","sentiment":"neutral","sentiment_score":0.32850515842437744},{"word":"that","start":497.74002,"end":498.06,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.2512997090816498},{"word":"essentially","start":498.06,"end":498.46,"confidence":0.98291016,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.22568801045417783},{"word":"means","start":498.46,"end":498.78,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.21425166726112368},{"word":"we're","start":498.78,"end":498.94,"confidence":0.9951172,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.29331493377685547},{"word":"tracking","start":498.94,"end":499.34,"confidence":0.99902344,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.3037453889846802},{"word":"for","start":499.34,"end":499.5,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.26627683639526367},{"word":"the","start":499.5,"end":499.66,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23582078516483307},{"word":"earliest","start":499.66,"end":500.14,"confidence":0.9980469,"punctuated_word":"earliest","sentiment":"neutral","sentiment_score":0.23059307038784027},{"word":"possible","start":500.14,"end":500.62,"confidence":0.99902344,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":0.19399967789649963},{"word":"retirement","start":500.62,"end":501.1,"confidence":0.9970703,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.30117565393447876},{"word":"with","start":501.1,"end":501.26,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.31321442127227783},{"word":"your","start":501.26,"end":501.66,"confidence":0.9970703,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3920387923717499},{"word":"super","start":501.66,"end":501.98,"confidence":0.99121094,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.401258647441864},{"word":"side","start":501.98,"end":502.48,"confidence":0.82421875,"punctuated_word":"side,","sentiment":"positive","sentiment_score":0.36618363857269287},{"word":"and","start":502.94,"end":503.1,"confidence":0.5307617,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.30155274271965027},{"word":"then","start":503.1,"end":503.42,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.29946425557136536},{"word":"essentially","start":503.42,"end":503.9,"confidence":0.7792969,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.27766311168670654},{"word":"gives","start":503.9,"end":504.06,"confidence":0.6557617,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.2904512286186218},{"word":"you","start":504.06,"end":504.22,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.32901567220687866},{"word":"the","start":504.22,"end":504.38,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29719972610473633},{"word":"option","start":504.38,"end":504.7,"confidence":0.9980469,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.21384470164775848},{"word":"to","start":504.7,"end":504.94,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20996004343032837},{"word":"continue","start":504.94,"end":505.34,"confidence":1.0,"punctuated_word":"continue","sentiment":"neutral","sentiment_score":0.22062501311302185},{"word":"working","start":505.34,"end":505.74,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.2418666779994965},{"word":"if","start":505.74,"end":505.9,"confidence":0.9951172,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.16509957611560822},{"word":"you","start":505.9,"end":505.98,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14500761032104492},{"word":"want","start":505.98,"end":506.30002,"confidence":0.99902344,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.09977026283740996},{"word":"to","start":506.30002,"end":506.46,"confidence":0.81225586,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.11489437520503998},{"word":"or","start":506.46,"end":506.62,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.08738473057746887},{"word":"you","start":506.62,"end":506.78,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1208810657262802},{"word":"can","start":506.78,"end":507.1,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10350900143384932},{"word":"stop","start":507.1,"end":507.34,"confidence":0.8408203,"punctuated_word":"stop","sentiment":"neutral","sentiment_score":0.035003334283828735},{"word":"working","start":507.34,"end":507.74,"confidence":0.99902344,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.034072451293468475},{"word":"if","start":507.74,"end":507.82,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07261158525943756},{"word":"you","start":507.82,"end":507.98,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12343652546405792},{"word":"choose","start":507.98,"end":508.30002,"confidence":0.99316406,"punctuated_word":"choose","sentiment":"neutral","sentiment_score":0.06667502224445343},{"word":"to","start":508.30002,"end":508.46,"confidence":0.98535156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05816465616226196},{"word":"as","start":508.46,"end":508.7,"confidence":0.9951172,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12036443501710892},{"word":"well","start":508.7,"end":509.18,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.14945268630981445},{"word":"okay","start":509.18,"end":509.68,"confidence":0.77563477,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.1119481325149536},{"word":"yeah","start":519.22504,"end":519.72504,"confidence":0.85913086,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10348919034004211},{"word":"yep","start":530.04,"end":530.54,"confidence":0.97802734,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13924387097358704},{"word":"yeah","start":540.375,"end":540.875,"confidence":0.90063477,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.005728207528591156},{"word":"yeah","start":542.615,"end":543.015,"confidence":0.97753906,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.21783071756362915},{"word":"absolutely","start":543.015,"end":543.515,"confidence":0.98706055,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.3280562162399292},{"word":"and","start":544.215,"end":544.455,"confidence":0.99121094,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2712371051311493},{"word":"what","start":544.455,"end":544.615,"confidence":0.7705078,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2692900002002716},{"word":"we'll","start":544.615,"end":544.775,"confidence":1.0,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.2540290057659149},{"word":"do","start":544.775,"end":544.935,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.28764742612838745},{"word":"is","start":544.935,"end":545.09503,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.22371716797351837},{"word":"once","start":545.09503,"end":545.335,"confidence":0.9404297,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.22647768259048465},{"word":"i've","start":545.335,"end":545.41504,"confidence":0.9941406,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.23008893430233},{"word":"got","start":545.41504,"end":545.575,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.2442300021648407},{"word":"an","start":545.575,"end":545.735,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.24597421288490295},{"word":"idea","start":545.735,"end":545.97504,"confidence":1.0,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":0.2708372175693512},{"word":"of","start":545.97504,"end":546.135,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2967466711997986},{"word":"your","start":546.135,"end":546.295,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2747911214828491},{"word":"goals","start":546.295,"end":546.53503,"confidence":0.99902344,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.22099679708480835},{"word":"and","start":546.53503,"end":546.695,"confidence":0.94189453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.31522905826568604},{"word":"we","start":546.695,"end":546.775,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3752193748950958},{"word":"have","start":546.775,"end":546.935,"confidence":0.9863281,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4041610062122345},{"word":"that","start":546.935,"end":547.175,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3471139371395111},{"word":"second","start":547.175,"end":547.495,"confidence":1.0,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.2758798599243164},{"word":"conversation","start":547.495,"end":547.995,"confidence":0.99902344,"punctuated_word":"conversation,","sentiment":"positive","sentiment_score":0.3768315613269806},{"word":"i","start":548.055,"end":548.135,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3950044512748718},{"word":"can","start":548.135,"end":548.375,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3760474920272827},{"word":"run","start":548.375,"end":548.53503,"confidence":1.0,"punctuated_word":"run","sentiment":"positive","sentiment_score":0.3351583480834961},{"word":"all","start":548.53503,"end":548.775,"confidence":0.9921875,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.34647098183631897},{"word":"those","start":548.775,"end":549.09503,"confidence":0.99121094,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.3382604718208313},{"word":"scenarios","start":549.09503,"end":549.59503,"confidence":1.0,"punctuated_word":"scenarios","sentiment":"neutral","sentiment_score":0.2972344756126404},{"word":"for","start":549.63,"end":549.79,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4187484383583069},{"word":"you","start":549.79,"end":550.03,"confidence":0.99902344,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.02189148031175137},{"word":"i","start":550.03,"end":550.11,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.20684781670570376},{"word":"can","start":550.11,"end":550.35,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1963946223258972},{"word":"look","start":550.35,"end":550.59,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.13477909564971924},{"word":"at","start":550.59,"end":550.83,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.14097288250923157},{"word":"whether","start":550.83,"end":551.07,"confidence":0.99902344,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.15655910968780518},{"word":"we","start":551.07,"end":551.57,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16575658321380615},{"word":"put","start":551.79,"end":552.03,"confidence":0.9980469,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.2125120759010315},{"word":"money","start":552.03,"end":552.35,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.21039031445980072},{"word":"into","start":552.35,"end":552.67,"confidence":0.5878906,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.17578649520874023},{"word":"super","start":552.67,"end":552.99,"confidence":0.76416016,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.21406987309455872},{"word":"now","start":552.99,"end":553.31,"confidence":0.9951172,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.13930577039718628},{"word":"and","start":553.31,"end":553.47003,"confidence":0.9873047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1305427998304367},{"word":"kinda","start":553.47003,"end":553.71,"confidence":0.59033203,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.12655946612358093},{"word":"build","start":553.71,"end":554.03,"confidence":0.99316406,"punctuated_word":"build","sentiment":"neutral","sentiment_score":0.155069038271904},{"word":"up","start":554.03,"end":554.11,"confidence":0.7973633,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.14125575125217438},{"word":"to","start":554.11,"end":554.35,"confidence":0.9506836,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13606508076190948},{"word":"two","start":554.35,"end":554.51,"confidence":0.99609375,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.14244116842746735},{"word":"fifty","start":554.51,"end":554.91003,"confidence":1.0,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.15917053818702698},{"word":"then","start":554.91003,"end":555.15,"confidence":0.6723633,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.08787970244884491},{"word":"stop","start":555.15,"end":555.39,"confidence":0.9819336,"punctuated_word":"stop","sentiment":"neutral","sentiment_score":0.0513543114066124},{"word":"salary","start":555.39,"end":555.89,"confidence":0.9951172,"punctuated_word":"salary","sentiment":"neutral","sentiment_score":-0.1340722143650055},{"word":"sacrificing","start":555.95,"end":556.45,"confidence":0.9980469,"punctuated_word":"sacrificing","sentiment":"neutral","sentiment_score":-0.011351022869348526},{"word":"and","start":556.59,"end":556.91003,"confidence":0.9729004,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.060833465307950974},{"word":"you","start":556.91003,"end":557.07,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08578027039766312},{"word":"know","start":557.07,"end":557.31,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.0693502426147461},{"word":"put","start":557.31,"end":557.55,"confidence":0.99902344,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.09733574092388152},{"word":"money","start":557.55,"end":557.79,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.10431579500436784},{"word":"into","start":557.79,"end":558.11,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.11709149181842804},{"word":"an","start":558.11,"end":558.27,"confidence":0.9980469,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.09761418402194975},{"word":"investment","start":558.27,"end":558.75,"confidence":0.9951172,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.04084495827555656},{"word":"outside","start":558.75,"end":559.15,"confidence":0.99609375,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.07360689342021942},{"word":"and","start":559.15,"end":559.31,"confidence":0.8798828,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1250939816236496},{"word":"what","start":559.31,"end":559.47003,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.13841669261455536},{"word":"that","start":559.47003,"end":559.71,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11433181166648863},{"word":"projection","start":559.71,"end":560.21,"confidence":0.99902344,"punctuated_word":"projection","sentiment":"neutral","sentiment_score":0.07970953732728958},{"word":"looks","start":560.27,"end":560.59,"confidence":0.9980469,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.07459034025669098},{"word":"like","start":560.59,"end":560.91003,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.06383589655160904},{"word":"or","start":560.91003,"end":561.15,"confidence":0.79003906,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.1203395575284958},{"word":"whether","start":561.15,"end":561.39,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.10602367669343948},{"word":"we","start":561.39,"end":561.55,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11972495913505554},{"word":"do","start":561.55,"end":561.71,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08237586915493011},{"word":"it","start":561.71,"end":561.95,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14170387387275696},{"word":"simultaneously","start":561.95,"end":562.45,"confidence":0.98217773,"punctuated_word":"simultaneously.","sentiment":"neutral","sentiment_score":0.1275767982006073},{"word":"i","start":563.84503,"end":564.085,"confidence":0.98535156,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2803553640842438},{"word":"will","start":564.085,"end":564.245,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.3124752342700958},{"word":"run","start":564.245,"end":564.48505,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.27788135409355164},{"word":"all","start":564.48505,"end":564.72504,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.31098219752311707},{"word":"those","start":564.72504,"end":564.965,"confidence":0.984375,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.2505398094654083},{"word":"projections","start":564.965,"end":565.445,"confidence":0.9980469,"punctuated_word":"projections","sentiment":"neutral","sentiment_score":0.2198602706193924},{"word":"to","start":565.445,"end":565.60504,"confidence":0.9448242,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.30090779066085815},{"word":"come","start":565.60504,"end":565.765,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.2807924151420593},{"word":"up","start":565.765,"end":565.925,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.18691903352737427},{"word":"with","start":565.925,"end":566.085,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.23932209610939023},{"word":"the","start":566.085,"end":566.245,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2980431616306305},{"word":"advice","start":566.245,"end":566.72504,"confidence":0.99121094,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.23058851063251495},{"word":"for","start":566.72504,"end":566.965,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3835766911506653},{"word":"you","start":566.965,"end":567.465,"confidence":0.95458984,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.32171741127967834},{"word":"that's","start":567.525,"end":567.765,"confidence":0.9716797,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.3614539802074432},{"word":"my","start":567.765,"end":568.005,"confidence":0.99902344,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.4142768979072571},{"word":"job","start":568.005,"end":568.16504,"confidence":1.0,"punctuated_word":"job","sentiment":"positive","sentiment_score":0.3743564784526825},{"word":"to","start":568.16504,"end":568.325,"confidence":0.8618164,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.41840070486068726},{"word":"make","start":568.325,"end":568.48505,"confidence":1.0,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.3575176000595093},{"word":"sure","start":568.48505,"end":568.805,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.36389872431755066},{"word":"i","start":568.805,"end":568.965,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.32378965616226196},{"word":"look","start":568.965,"end":569.205,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.29589468240737915},{"word":"at","start":569.205,"end":569.365,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2957700192928314},{"word":"all","start":569.365,"end":569.525,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.3815203905105591},{"word":"the","start":569.525,"end":569.685,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2993116080760956},{"word":"different","start":569.685,"end":570.005,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.2505570948123932},{"word":"options","start":570.005,"end":570.325,"confidence":1.0,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.13695424795150757},{"word":"and","start":570.325,"end":570.645,"confidence":0.9951172,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3726072311401367},{"word":"scenarios","start":570.645,"end":571.145,"confidence":1.0,"punctuated_word":"scenarios","sentiment":"neutral","sentiment_score":0.217583030462265},{"word":"and","start":571.205,"end":571.365,"confidence":0.9921875,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.35187387466430664},{"word":"work","start":571.365,"end":571.60504,"confidence":0.9980469,"punctuated_word":"work","sentiment":"positive","sentiment_score":0.37539735436439514},{"word":"out","start":571.60504,"end":571.685,"confidence":0.9038086,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.4285088777542114},{"word":"the","start":571.685,"end":571.84503,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.32871073484420776},{"word":"best","start":571.84503,"end":572.085,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.321330726146698},{"word":"one","start":572.085,"end":572.585,"confidence":0.80249023,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.2899753451347351},{"word":"and","start":572.965,"end":573.125,"confidence":0.9819336,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.29168206453323364},{"word":"then","start":573.125,"end":573.28503,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.27207571268081665},{"word":"i'll","start":573.28503,"end":573.445,"confidence":0.99902344,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2930469512939453},{"word":"let","start":573.445,"end":573.60504,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.299031525850296},{"word":"you","start":573.60504,"end":573.765,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3397352695465088},{"word":"know","start":573.765,"end":574.005,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.2889549434185028},{"word":"what","start":574.005,"end":574.245,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2771006226539612},{"word":"i'm","start":574.245,"end":574.405,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.27378594875335693},{"word":"recommending","start":574.405,"end":574.905,"confidence":0.98950195,"punctuated_word":"recommending,","sentiment":"neutral","sentiment_score":0.2355733811855316},{"word":"why","start":575.04504,"end":575.28503,"confidence":0.9980469,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.07827773690223694},{"word":"i'm","start":575.28503,"end":575.445,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2074189186096191},{"word":"recommending","start":575.445,"end":575.945,"confidence":1.0,"punctuated_word":"recommending","sentiment":"neutral","sentiment_score":0.2013993263244629},{"word":"that","start":576.005,"end":576.245,"confidence":0.5654297,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1900234967470169},{"word":"the","start":576.245,"end":576.405,"confidence":0.7651367,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1161755919456482},{"word":"advantages","start":576.405,"end":576.905,"confidence":0.9472656,"punctuated_word":"advantages,","sentiment":"neutral","sentiment_score":0.07656379044055939},{"word":"disadvantages","start":577.04504,"end":577.54504,"confidence":0.95825195,"punctuated_word":"disadvantages,","sentiment":"neutral","sentiment_score":0.0004674444789998234},{"word":"and","start":577.765,"end":577.925,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1329544335603714},{"word":"the","start":577.925,"end":578.085,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.013391286134719849},{"word":"risks","start":578.085,"end":578.46,"confidence":0.9289551,"punctuated_word":"risks.","sentiment":"neutral","sentiment_score":0.034332383424043655},{"word":"and","start":578.86005,"end":579.02,"confidence":0.90722656,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.22097191214561465},{"word":"i","start":579.02,"end":579.26,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.31570231914520264},{"word":"also","start":579.26,"end":579.58,"confidence":0.99316406,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.17361585795879364},{"word":"put","start":579.58,"end":579.9,"confidence":0.9980469,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.2507548928260803},{"word":"alternatives","start":579.9,"end":580.4,"confidence":0.99121094,"punctuated_word":"alternatives","sentiment":"neutral","sentiment_score":0.04534308612346649},{"word":"into","start":580.46,"end":580.78,"confidence":0.98535156,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.23582452535629272},{"word":"the","start":580.78,"end":581.02,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2347694486379623},{"word":"appendix","start":581.02,"end":581.5,"confidence":0.9980469,"punctuated_word":"appendix","sentiment":"neutral","sentiment_score":0.1670188158750534},{"word":"for","start":581.5,"end":581.66003,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2265550047159195},{"word":"you","start":581.66003,"end":581.82,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2441566288471222},{"word":"as","start":581.82,"end":581.98004,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.24461454153060913},{"word":"well","start":581.98004,"end":582.22003,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.3033984303474426},{"word":"so","start":582.22003,"end":582.38,"confidence":0.8535156,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2217793315649033},{"word":"you","start":582.38,"end":582.54004,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2610364258289337},{"word":"can","start":582.54004,"end":582.7,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.24804064631462097},{"word":"see","start":582.7,"end":583.2,"confidence":0.99316406,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.28164198994636536},{"word":"other","start":583.58,"end":583.74005,"confidence":0.95947266,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.21345941722393036},{"word":"things","start":583.74005,"end":583.98004,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.23362785577774048},{"word":"that","start":583.98004,"end":584.14,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2521211504936218},{"word":"we","start":584.14,"end":584.30005,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.19898471236228943},{"word":"may","start":584.30005,"end":584.46,"confidence":1.0,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.1657460778951645},{"word":"have","start":584.46,"end":584.7,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17086654901504517},{"word":"considered","start":584.7,"end":585.18,"confidence":0.9970703,"punctuated_word":"considered","sentiment":"neutral","sentiment_score":0.09027215093374252},{"word":"and","start":585.18,"end":585.34,"confidence":0.9223633,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20237185060977936},{"word":"why","start":585.34,"end":585.58,"confidence":1.0,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.06986305117607117},{"word":"we","start":585.58,"end":585.66003,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13434241712093353},{"word":"went","start":585.66003,"end":585.9,"confidence":0.9658203,"punctuated_word":"went","sentiment":"neutral","sentiment_score":0.12627266347408295},{"word":"with","start":585.9,"end":586.06,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1166485995054245},{"word":"the","start":586.06,"end":586.22003,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14223721623420715},{"word":"option","start":586.22003,"end":586.54004,"confidence":0.99902344,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.11016219854354858},{"word":"we","start":586.54004,"end":586.7,"confidence":0.98535156,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.19628587365150452},{"word":"did","start":586.7,"end":587.2,"confidence":0.9951172,"punctuated_word":"did.","sentiment":"neutral","sentiment_score":0.13035202026367188},{"word":"but","start":587.98004,"end":588.22003,"confidence":0.9641113,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.18192090094089508},{"word":"yeah","start":588.22003,"end":588.46,"confidence":0.99853516,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.22702163457870483},{"word":"though","start":588.46,"end":588.7,"confidence":0.5498047,"punctuated_word":"though","sentiment":"neutral","sentiment_score":0.18422146141529083},{"word":"those","start":588.78,"end":589.02,"confidence":0.9951172,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.2716294527053833},{"word":"sorts","start":589.02,"end":589.18,"confidence":0.50439453,"punctuated_word":"sorts","sentiment":"neutral","sentiment_score":0.08173273503780365},{"word":"of","start":589.18,"end":589.34,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1461782157421112},{"word":"scenarios","start":589.34,"end":589.84,"confidence":0.99609375,"punctuated_word":"scenarios","sentiment":"neutral","sentiment_score":0.114808090031147},{"word":"are","start":589.9,"end":590.06,"confidence":0.9819336,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.20905491709709167},{"word":"absolutely","start":590.06,"end":590.56,"confidence":0.99902344,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.30254459381103516},{"word":"worth","start":590.62,"end":590.86005,"confidence":0.99902344,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.2218780815601349},{"word":"looking","start":590.86005,"end":591.18,"confidence":0.99609375,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.1804671585559845},{"word":"at","start":591.18,"end":591.42004,"confidence":0.9863281,"punctuated_word":"at.","sentiment":"neutral","sentiment_score":0.21203204989433289},{"word":"yes","start":591.42004,"end":591.74005,"confidence":0.7397461,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.4334707856178284},{"word":"definitely","start":591.74005,"end":592.22003,"confidence":0.99902344,"punctuated_word":"Definitely.","sentiment":"positive","sentiment_score":0.4954328238964081},{"word":"it","start":592.22003,"end":592.38,"confidence":0.99902344,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.40070009231567383},{"word":"also","start":592.38,"end":592.7,"confidence":0.99902344,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.3618808686733246},{"word":"comes","start":592.7,"end":592.94,"confidence":0.9980469,"punctuated_word":"comes","sentiment":"positive","sentiment_score":0.386103868484497},{"word":"down","start":592.94,"end":593.10004,"confidence":0.99902344,"punctuated_word":"down","sentiment":"positive","sentiment_score":0.3789867758750915},{"word":"to","start":593.10004,"end":593.26,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.38999009132385254},{"word":"what","start":593.26,"end":593.42004,"confidence":0.99902344,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.4409519731998443},{"word":"your","start":593.42004,"end":593.745,"confidence":0.9892578,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.27361413836479187},{"word":"expendable","start":593.825,"end":594.225,"confidence":0.9309082,"punctuated_word":"expendable","sentiment":"neutral","sentiment_score":0.22818635404109955},{"word":"income","start":594.225,"end":594.625,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.23078425228595736},{"word":"looks","start":594.625,"end":594.865,"confidence":0.9604492,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.13718190789222717},{"word":"like","start":594.865,"end":595.105,"confidence":0.9753418,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1920793652534485},{"word":"what","start":595.105,"end":595.265,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.34749627113342285},{"word":"you","start":595.265,"end":595.425,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27177199721336365},{"word":"have","start":595.425,"end":595.745,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2450500726699829},{"word":"available","start":595.745,"end":596.225,"confidence":1.0,"punctuated_word":"available","sentiment":"neutral","sentiment_score":0.21258577704429624},{"word":"to","start":596.225,"end":596.385,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.28222960233688354},{"word":"you","start":596.385,"end":596.885,"confidence":0.9550781,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.2750411033630371},{"word":"and","start":597.265,"end":597.425,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.27402547001838684},{"word":"what","start":597.425,"end":597.585,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.35838377475738525},{"word":"you're","start":597.585,"end":597.825,"confidence":0.99658203,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2999894320964813},{"word":"comfortable","start":597.825,"end":598.325,"confidence":0.99902344,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.23243661224842072},{"word":"investing","start":598.46497,"end":598.865,"confidence":0.9951172,"punctuated_word":"investing","sentiment":"neutral","sentiment_score":0.29345449805259705},{"word":"as","start":598.865,"end":599.105,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2977750301361084},{"word":"well","start":599.105,"end":599.425,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.31475162506103516},{"word":"without","start":599.425,"end":599.825,"confidence":0.9975586,"punctuated_word":"without,","sentiment":"neutral","sentiment_score":0.06871411949396133},{"word":"you","start":599.825,"end":599.985,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03742837905883789},{"word":"know","start":599.985,"end":600.305,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.03752255439758301},{"word":"eating","start":600.305,"end":600.625,"confidence":0.8959961,"punctuated_word":"eating","sentiment":"neutral","sentiment_score":-0.05911724269390106},{"word":"too","start":600.625,"end":600.785,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.18270978331565857},{"word":"much","start":600.785,"end":601.105,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.2115080952644348},{"word":"away","start":601.105,"end":601.265,"confidence":0.96972656,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.05318666994571686},{"word":"the","start":601.265,"end":601.425,"confidence":0.5205078,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.058981701731681824},{"word":"cash","start":601.425,"end":601.745,"confidence":0.99609375,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.03926458954811096},{"word":"flow","start":601.745,"end":601.90497,"confidence":0.94628906,"punctuated_word":"flow","sentiment":"neutral","sentiment_score":0.1844569444656372},{"word":"because","start":601.90497,"end":602.145,"confidence":0.6123047,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.009726345539093018},{"word":"you","start":602.145,"end":602.305,"confidence":0.9863281,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.017485305666923523},{"word":"do","start":602.305,"end":602.46497,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1244962513446808},{"word":"have","start":602.46497,"end":602.705,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05773837864398956},{"word":"kids","start":602.705,"end":603.105,"confidence":0.83496094,"punctuated_word":"kids,","sentiment":"neutral","sentiment_score":-0.001283787190914154},{"word":"and","start":603.425,"end":603.745,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05454754829406738},{"word":"the","start":603.745,"end":603.90497,"confidence":0.98291016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07997994124889374},{"word":"cost","start":603.90497,"end":604.145,"confidence":0.9980469,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.02475067973136902},{"word":"of","start":604.145,"end":604.305,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09284348785877228},{"word":"living","start":604.305,"end":604.625,"confidence":1.0,"punctuated_word":"living","sentiment":"neutral","sentiment_score":-0.1357497125864029},{"word":"is","start":604.625,"end":604.785,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.26239803433418274},{"word":"definitely","start":604.785,"end":605.185,"confidence":0.99902344,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":-0.1479945033788681},{"word":"not","start":605.185,"end":605.425,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2935216724872589},{"word":"cheap","start":605.425,"end":605.925,"confidence":0.9916992,"punctuated_word":"cheap.","sentiment":"neutral","sentiment_score":-0.16283348202705383},{"word":"it's","start":606.065,"end":606.225,"confidence":0.9824219,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.30319711565971375},{"word":"expensive","start":606.225,"end":606.725,"confidence":0.99902344,"punctuated_word":"expensive.","sentiment":"neutral","sentiment_score":-0.1916286051273346},{"word":"yeah","start":609.62994,"end":610.11,"confidence":0.99560547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0428650975227356},{"word":"but","start":610.11,"end":610.18994,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.014322414994239809},{"word":"no","start":610.26996,"end":610.67,"confidence":0.9995117,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.02215895801782608},{"word":"those","start":610.67,"end":610.91,"confidence":0.9980469,"punctuated_word":"Those","sentiment":"neutral","sentiment_score":0.16164368391036987},{"word":"are","start":610.91,"end":610.99,"confidence":0.47680664,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1418437510728836},{"word":"the","start":610.99,"end":611.06995,"confidence":0.98291016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1618180125951767},{"word":"things","start":611.06995,"end":611.38995,"confidence":0.9980469,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.27712133526802063},{"word":"that","start":611.38995,"end":611.42993,"confidence":0.84472656,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.29207277297973633},{"word":"are","start":611.42993,"end":611.47,"confidence":0.39697266,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.30722954869270325},{"word":"definitely","start":611.47,"end":611.87,"confidence":0.99902344,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.3477399945259094},{"word":"worth","start":611.87,"end":612.11,"confidence":1.0,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.21686998009681704},{"word":"looking","start":612.11,"end":612.35,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.1496511846780777},{"word":"at","start":612.35,"end":612.75,"confidence":0.98706055,"punctuated_word":"at.","sentiment":"neutral","sentiment_score":0.16679121553897858},{"word":"absolutely","start":612.75,"end":613.25,"confidence":0.9995117,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.4843292832374573},{"word":"yeah","start":613.79,"end":614.29,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.48618876934051514},{"word":"perfect","start":615.79,"end":616.29,"confidence":0.99609375,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5981726050376892},{"word":"now","start":617.14996,"end":617.62994,"confidence":0.8330078,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.17265211045742035},{"word":"at","start":617.62994,"end":617.87,"confidence":0.90527344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11372104287147522},{"word":"the","start":617.87,"end":618.02997,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10651692748069765},{"word":"moment","start":618.02997,"end":618.52997,"confidence":0.92529297,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.08523856103420258},{"word":"i","start":618.67,"end":618.75,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06497151404619217},{"word":"know","start":618.75,"end":618.91,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.05331532657146454},{"word":"we","start":618.91,"end":619.06995,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05729056894779205},{"word":"will","start":619.06995,"end":619.31,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.06935784965753555},{"word":"sort","start":619.31,"end":619.47,"confidence":0.99609375,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.0881781056523323},{"word":"of","start":619.47,"end":619.62994,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08676544576883316},{"word":"update","start":619.62994,"end":619.94995,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.10590631514787674},{"word":"these","start":619.94995,"end":620.11,"confidence":0.99902344,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.0828542411327362},{"word":"things","start":620.11,"end":620.35,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.09219781309366226},{"word":"down","start":620.35,"end":620.58997,"confidence":0.9970703,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.1357286125421524},{"word":"the","start":620.58997,"end":620.67,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1291545927524567},{"word":"track","start":620.67,"end":620.925,"confidence":0.7805176,"punctuated_word":"track,","sentiment":"neutral","sentiment_score":0.10387839376926422},{"word":"but","start":620.925,"end":621.165,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.05910421535372734},{"word":"at","start":621.165,"end":621.245,"confidence":0.9892578,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.010966092348098757},{"word":"the","start":621.245,"end":621.325,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.020337559282779697},{"word":"moment","start":621.325,"end":621.565,"confidence":0.96875,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.03030209243297577},{"word":"are","start":621.565,"end":621.885,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.031925514340400696},{"word":"you","start":621.885,"end":622.125,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10706225782632828},{"word":"finding","start":622.125,"end":622.625,"confidence":1.0,"punctuated_word":"finding","sentiment":"neutral","sentiment_score":0.11451904475688934},{"word":"you","start":622.845,"end":623.005,"confidence":0.7241211,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08290881663560867},{"word":"are","start":623.005,"end":623.325,"confidence":0.99609375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.10146670788526536},{"word":"managing","start":623.325,"end":623.725,"confidence":1.0,"punctuated_word":"managing","sentiment":"neutral","sentiment_score":0.18467837572097776},{"word":"to","start":623.725,"end":623.885,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15308596193790436},{"word":"save","start":623.885,"end":624.285,"confidence":0.99609375,"punctuated_word":"save","sentiment":"neutral","sentiment_score":0.0866803526878357},{"word":"anything","start":624.285,"end":624.685,"confidence":0.9980469,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.14212709665298462},{"word":"at","start":624.685,"end":624.845,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06469687819480896},{"word":"all","start":624.845,"end":625.005,"confidence":0.9970703,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.052529916167259216},{"word":"at","start":625.005,"end":625.165,"confidence":0.98535156,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07935431599617004},{"word":"the","start":625.165,"end":625.245,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15292170643806458},{"word":"end","start":625.245,"end":625.40497,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.1339343935251236},{"word":"of","start":625.40497,"end":625.485,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1058267056941986},{"word":"the","start":625.485,"end":625.565,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10285024344921112},{"word":"week","start":625.565,"end":625.805,"confidence":0.87768555,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":0.08910869061946869},{"word":"or","start":625.805,"end":625.96497,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.06710612028837204},{"word":"is","start":625.96497,"end":626.125,"confidence":0.9892578,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04074683040380478},{"word":"everything","start":626.125,"end":626.52496,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.06575024873018265},{"word":"kinda","start":626.52496,"end":626.845,"confidence":0.8964844,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.056001584976911545},{"word":"going","start":626.845,"end":627.165,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.11139340698719025},{"word":"into","start":627.165,"end":627.40497,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.06994116306304932},{"word":"the","start":627.40497,"end":627.64496,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09669622778892516},{"word":"property","start":627.64496,"end":628.045,"confidence":1.0,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.09988407790660858},{"word":"whilst","start":628.045,"end":628.365,"confidence":0.9863281,"punctuated_word":"whilst","sentiment":"neutral","sentiment_score":0.13646912574768066},{"word":"you","start":628.365,"end":628.52496,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12409097701311111},{"word":"are","start":628.52496,"end":628.685,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.12962546944618225},{"word":"going","start":628.685,"end":628.925,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.14071254432201383},{"word":"through","start":628.925,"end":629.165,"confidence":0.77978516,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.12421508133411407},{"word":"that","start":629.165,"end":629.325,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16141556203365326},{"word":"settlement","start":629.325,"end":629.805,"confidence":1.0,"punctuated_word":"settlement","sentiment":"neutral","sentiment_score":0.15233546495437622},{"word":"phase","start":629.805,"end":630.305,"confidence":0.99609375,"punctuated_word":"phase?","sentiment":"neutral","sentiment_score":0.1174713894724846},{"word":"yeah","start":637.02,"end":637.52,"confidence":0.96655273,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.18601033091545105},{"word":"yeah","start":647.91504,"end":648.41504,"confidence":0.9628906,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09939499199390411},{"word":"yeah","start":650.155,"end":650.655,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13810284435749054},{"word":"yeah","start":650.715,"end":651.215,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08786500990390778},{"word":"yeah","start":656.23505,"end":656.73505,"confidence":0.99316406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.044318895787000656},{"word":"yeah","start":668.32996,"end":668.82996,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05472119525074959},{"word":"yeah","start":668.97,"end":669.47,"confidence":0.78637695,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05249170958995819},{"word":"fantastic","start":679.745,"end":680.245,"confidence":0.9741211,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.7307124137878418},{"word":"yep","start":681.66504,"end":682.11,"confidence":0.9140625,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2998799979686737},{"word":"yep","start":683.07,"end":683.57,"confidence":0.9638672,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12443503737449646},{"word":"beautiful","start":687.07,"end":687.57,"confidence":0.95751953,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4155150353908539},{"word":"yeah","start":691.14996,"end":691.64996,"confidence":0.9926758,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.019633326679468155},{"word":"yeah","start":706.62,"end":707.12,"confidence":0.9069824,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.024200420826673508},{"word":"yeah","start":708.06,"end":708.56,"confidence":0.98657227,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06545582413673401},{"word":"yeah","start":710.78,"end":711.28,"confidence":0.97314453,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.08967150002717972},{"word":"yeah","start":714.94,"end":715.44,"confidence":0.94018555,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.052507106214761734},{"word":"absolutely","start":721.67505,"end":722.17505,"confidence":0.9758301,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.09423986077308656},{"word":"there","start":722.395,"end":722.635,"confidence":0.99902344,"punctuated_word":"There","sentiment":"neutral","sentiment_score":0.012900769710540771},{"word":"is","start":722.635,"end":722.875,"confidence":0.8232422,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02595604956150055},{"word":"an","start":722.875,"end":723.03503,"confidence":0.9892578,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.0159725621342659},{"word":"there","start":723.03503,"end":723.275,"confidence":0.98828125,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.001798123121261597},{"word":"is","start":723.275,"end":723.43506,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02266842871904373},{"word":"an","start":723.43506,"end":723.67505,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.008390411734580994},{"word":"end","start":723.67505,"end":723.91504,"confidence":0.9301758,"punctuated_word":"end","sentiment":"neutral","sentiment_score":-0.03343765437602997},{"word":"in","start":723.91504,"end":724.075,"confidence":0.7519531,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.05151006579399109},{"word":"sight","start":724.075,"end":724.315,"confidence":0.875,"punctuated_word":"sight","sentiment":"neutral","sentiment_score":-0.020097747445106503},{"word":"for","start":724.315,"end":724.47504,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.004637628793716431},{"word":"you","start":724.47504,"end":724.79504,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03095071017742157},{"word":"with","start":724.79504,"end":724.955,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.02522212266921997},{"word":"regard","start":724.955,"end":725.43506,"confidence":0.9741211,"punctuated_word":"regard","sentiment":"neutral","sentiment_score":0.019094161689281464},{"word":"to","start":725.43506,"end":725.59503,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04545842856168747},{"word":"it","start":725.59503,"end":725.91504,"confidence":0.81591797,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.04665343835949898},{"word":"so","start":725.91504,"end":726.075,"confidence":0.97265625,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1974204778671265},{"word":"that","start":726.075,"end":726.395,"confidence":0.8173828,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.25630486011505127},{"word":"absolutely","start":726.47504,"end":726.97504,"confidence":0.99853516,"punctuated_word":"absolutely.","sentiment":"neutral","sentiment_score":0.1588847041130066},{"word":"yep","start":727.515,"end":728.015,"confidence":0.7504883,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03551759943366051},{"word":"no","start":728.075,"end":728.55505,"confidence":0.9885254,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05241147056221962},{"word":"all","start":728.55505,"end":728.875,"confidence":0.85546875,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.06977280974388123},{"word":"good","start":728.875,"end":729.375,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.03451457619667053},{"word":"i've","start":730.075,"end":730.315,"confidence":0.86621094,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.00045423954725265503},{"word":"got","start":730.315,"end":730.47504,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.024585425853729248},{"word":"your","start":730.47504,"end":730.715,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.02026406303048134},{"word":"contents","start":730.715,"end":731.215,"confidence":0.8730469,"punctuated_word":"contents","sentiment":"neutral","sentiment_score":0.026370234787464145},{"word":"here","start":731.22,"end":731.62,"confidence":0.7110596,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.009655307978391647},{"word":"rough","start":731.62,"end":731.86,"confidence":0.9760742,"punctuated_word":"Rough","sentiment":"neutral","sentiment_score":-0.017834056168794632},{"word":"value","start":731.86,"end":732.18,"confidence":0.9941406,"punctuated_word":"value","sentiment":"neutral","sentiment_score":-0.0040890611708164215},{"word":"of","start":732.18,"end":732.33997,"confidence":0.61816406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.005743212997913361},{"word":"about","start":732.33997,"end":732.57996,"confidence":0.640625,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.014919809997081757},{"word":"10,000","start":732.57996,"end":733.39996,"confidence":1.0,"punctuated_word":"10,000","sentiment":"neutral","sentiment_score":0.004427909851074219},{"word":"currently","start":733.45996,"end":733.95996,"confidence":0.98461914,"punctuated_word":"currently.","sentiment":"neutral","sentiment_score":-0.02837377041578293},{"word":"is","start":734.01996,"end":734.25995,"confidence":0.99902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.0021360889077186584},{"word":"that","start":734.25995,"end":734.5,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01619374006986618},{"word":"what","start":734.5,"end":734.66,"confidence":0.97265625,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.007590536028146744},{"word":"you","start":734.66,"end":734.81995,"confidence":0.94628906,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.010190412402153015},{"word":"sort","start":734.81995,"end":735.06,"confidence":0.93115234,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.014305740594863892},{"word":"of","start":735.06,"end":735.22,"confidence":0.96533203,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.009585313498973846},{"word":"value","start":735.22,"end":735.45996,"confidence":0.9970703,"punctuated_word":"value","sentiment":"neutral","sentiment_score":-0.03149682655930519},{"word":"your","start":735.45996,"end":735.62,"confidence":0.7915039,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0337161123752594},{"word":"contents","start":735.62,"end":736.1,"confidence":0.87158203,"punctuated_word":"contents","sentiment":"neutral","sentiment_score":-0.00781267136335373},{"word":"at","start":736.1,"end":736.25995,"confidence":0.9382324,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":-0.010862328112125397},{"word":"do","start":736.25995,"end":736.42,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.011844221502542496},{"word":"you","start":736.42,"end":736.5,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.012724243104457855},{"word":"think","start":736.5,"end":737.0,"confidence":0.9995117,"punctuated_word":"think?","sentiment":"neutral","sentiment_score":-0.01516016200184822},{"word":"yeah","start":738.66,"end":739.16,"confidence":0.9238281,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.015140076167881489},{"word":"yeah","start":748.515,"end":748.755,"confidence":0.8222656,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.034188881516456604},{"word":"no","start":748.755,"end":749.075,"confidence":0.8935547,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06691178679466248},{"word":"that's","start":749.075,"end":749.39496,"confidence":0.9970703,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.03117525577545166},{"word":"okay","start":749.39496,"end":749.89496,"confidence":0.99658203,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.006599105894565582},{"word":"yep","start":750.755,"end":751.235,"confidence":0.9758301,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15280404686927795},{"word":"perfect","start":751.235,"end":751.735,"confidence":0.99902344,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.331188440322876},{"word":"and","start":752.915,"end":753.075,"confidence":0.7055664,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.13943274319171906},{"word":"then","start":753.075,"end":753.315,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1419492065906525},{"word":"i've","start":753.315,"end":753.555,"confidence":0.99902344,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.13848412036895752},{"word":"also","start":753.555,"end":753.795,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1443297117948532},{"word":"got","start":753.795,"end":754.035,"confidence":0.8354492,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.10560460388660432},{"word":"in","start":754.035,"end":754.27496,"confidence":0.7558594,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08858736604452133},{"word":"here","start":754.27496,"end":754.515,"confidence":0.99902344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.07392701506614685},{"word":"that","start":754.515,"end":754.755,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1027669757604599},{"word":"you","start":754.755,"end":754.915,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08198127150535583},{"word":"because","start":755.075,"end":755.39496,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.0971585139632225},{"word":"you","start":755.39496,"end":755.555,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11185113340616226},{"word":"got","start":755.555,"end":755.71497,"confidence":0.61083984,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.12669715285301208},{"word":"a","start":755.71497,"end":755.795,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09211619198322296},{"word":"car","start":755.795,"end":756.035,"confidence":0.9970703,"punctuated_word":"car","sentiment":"neutral","sentiment_score":0.09180836379528046},{"word":"with","start":756.035,"end":756.27496,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.130723237991333},{"word":"your","start":756.27496,"end":756.595,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11956420540809631},{"word":"package","start":756.595,"end":757.095,"confidence":0.953125,"punctuated_word":"package,","sentiment":"neutral","sentiment_score":0.1121046617627144},{"word":"samantha","start":757.43,"end":757.75,"confidence":0.9941406,"punctuated_word":"Samantha","sentiment":"neutral","sentiment_score":0.07698841392993927},{"word":"mentioned","start":757.75,"end":757.91,"confidence":1.0,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.10568249970674516},{"word":"to","start":757.91,"end":758.06995,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0837508961558342},{"word":"me","start":758.06995,"end":758.14996,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.06661009788513184},{"word":"that","start":758.14996,"end":758.38995,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08856834471225739},{"word":"you've","start":758.38995,"end":758.63,"confidence":0.796875,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.0658617913722992},{"word":"sold","start":758.63,"end":758.87,"confidence":1.0,"punctuated_word":"sold","sentiment":"neutral","sentiment_score":0.046951912343502045},{"word":"the","start":758.87,"end":759.02997,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04994618520140648},{"word":"car","start":759.02997,"end":759.19,"confidence":0.9951172,"punctuated_word":"car","sentiment":"neutral","sentiment_score":0.04378419369459152},{"word":"that","start":759.19,"end":759.35,"confidence":0.984375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05644301325082779},{"word":"you","start":759.35,"end":759.43,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04406169801950455},{"word":"had","start":759.43,"end":759.67,"confidence":0.6298828,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.05937793105840683},{"word":"the","start":759.67,"end":759.75,"confidence":0.97265625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06487346440553665},{"word":"novated","start":759.75,"end":760.23,"confidence":0.6654053,"punctuated_word":"Novated","sentiment":"neutral","sentiment_score":0.06439590454101562},{"word":"lease","start":760.23,"end":760.47,"confidence":0.61035156,"punctuated_word":"lease","sentiment":"neutral","sentiment_score":0.06437413394451141},{"word":"on","start":760.47,"end":760.70996,"confidence":0.9892578,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":0.05336035043001175},{"word":"but","start":760.70996,"end":760.87,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.04340699315071106},{"word":"you","start":760.87,"end":761.02997,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04917803406715393},{"word":"still","start":761.02997,"end":761.26996,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.033729325979948044},{"word":"have","start":761.26996,"end":761.43,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.045031849294900894},{"word":"a","start":761.43,"end":761.58997,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05127435922622681},{"word":"residual","start":761.58997,"end":762.08997,"confidence":0.99902344,"punctuated_word":"residual","sentiment":"neutral","sentiment_score":0.029199320822954174},{"word":"payment","start":762.23,"end":762.70996,"confidence":0.99121094,"punctuated_word":"payment","sentiment":"neutral","sentiment_score":0.04954150691628456},{"word":"to","start":762.70996,"end":762.79,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06009962782263756},{"word":"make","start":762.79,"end":763.02997,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.05613350868225098},{"word":"of","start":763.02997,"end":763.19,"confidence":0.75146484,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04304572194814682},{"word":"about","start":763.19,"end":763.43,"confidence":0.9921875,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.043376147747039795},{"word":"$8,000","start":763.43,"end":764.23,"confidence":0.9992676,"punctuated_word":"$8,000.","sentiment":"neutral","sentiment_score":0.04894072934985161},{"word":"is","start":764.23,"end":764.38995,"confidence":0.99902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.06864551454782486},{"word":"that","start":764.38995,"end":764.55,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05877659469842911},{"word":"right","start":764.55,"end":765.05,"confidence":1.0,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.04735350608825683},{"word":"yes","start":766.55,"end":767.05,"confidence":0.8701172,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.01255861669778824},{"word":"yes","start":769.19,"end":769.665,"confidence":0.8798828,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.015643959864974022},{"word":"yeah","start":776.305,"end":776.805,"confidence":0.86572266,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0064196656458079815},{"word":"okay","start":785.36,"end":785.86,"confidence":0.8515625,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0030110646039247513},{"word":"yeah","start":801.215,"end":801.715,"confidence":0.7763672,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.00179637735709548},{"word":"yeah","start":810.19,"end":810.69,"confidence":0.9807129,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0032143015414476395},{"word":"yep","start":812.91003,"end":813.41003,"confidence":0.9152832,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.023100093007087708},{"word":"yeah","start":826.20496,"end":826.605,"confidence":0.6888428,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0006357962265610695},{"word":"yeah","start":826.605,"end":827.105,"confidence":0.77563477,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.016679592430591583},{"word":"yeah","start":829.40497,"end":829.90497,"confidence":0.88964844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.028083547949790955},{"word":"yep","start":835.13,"end":835.63,"confidence":0.9082031,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10530482232570648},{"word":"that's","start":836.09,"end":836.49,"confidence":0.9970703,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.22908878326416016},{"word":"good","start":836.49,"end":836.89,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2815799117088318},{"word":"no","start":836.89,"end":837.13,"confidence":0.99560547,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.22619959712028503},{"word":"that's","start":837.13,"end":837.45,"confidence":0.9970703,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.4665233790874481},{"word":"absolutely","start":837.45,"end":837.85004,"confidence":0.94628906,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.4993131458759308},{"word":"perfect","start":837.85004,"end":838.35004,"confidence":0.9995117,"punctuated_word":"perfect.","sentiment":"positive","sentiment_score":0.5685155391693115},{"word":"fantastic","start":838.49,"end":838.99,"confidence":0.99853516,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.7466408014297485},{"word":"and","start":839.69,"end":839.93,"confidence":0.9970703,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.6147724390029907},{"word":"having","start":839.93,"end":840.25,"confidence":1.0,"punctuated_word":"having","sentiment":"positive","sentiment_score":0.7271829843521118},{"word":"that","start":840.25,"end":840.49,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6909301280975342},{"word":"gone","start":840.49,"end":840.73,"confidence":0.48291016,"punctuated_word":"gone","sentiment":"positive","sentiment_score":0.7118225693702698},{"word":"will","start":840.73,"end":840.97003,"confidence":0.9921875,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.6651265621185303},{"word":"be","start":840.97003,"end":841.13,"confidence":0.99902344,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.680806040763855},{"word":"very","start":841.13,"end":841.37,"confidence":0.96875,"punctuated_word":"very,","sentiment":"positive","sentiment_score":0.6008118391036987},{"word":"very","start":841.37,"end":841.61,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.6164405345916748},{"word":"good","start":841.61,"end":841.93,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6452738046646118},{"word":"and","start":841.93,"end":842.17,"confidence":0.6777344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5728528499603271},{"word":"starting","start":842.17,"end":842.57,"confidence":0.99902344,"punctuated_word":"starting","sentiment":"positive","sentiment_score":0.6239714622497559},{"word":"again","start":842.57,"end":842.97003,"confidence":0.8654785,"punctuated_word":"again.","sentiment":"positive","sentiment_score":0.5941992998123169},{"word":"and","start":842.97003,"end":843.29004,"confidence":0.7459717,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.31710076332092285},{"word":"look","start":843.29004,"end":843.53,"confidence":0.97265625,"punctuated_word":"look,","sentiment":"positive","sentiment_score":0.41256505250930786},{"word":"starting","start":843.53,"end":843.93,"confidence":0.9790039,"punctuated_word":"starting","sentiment":"positive","sentiment_score":0.5525672435760498},{"word":"again","start":843.93,"end":844.17,"confidence":0.99902344,"punctuated_word":"again","sentiment":"positive","sentiment_score":0.6491963863372803},{"word":"isn't","start":844.17,"end":844.49,"confidence":0.9970703,"punctuated_word":"isn't","sentiment":"positive","sentiment_score":0.4236361086368561},{"word":"always","start":844.49,"end":844.81,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.3092869520187378},{"word":"bad","start":844.81,"end":845.31,"confidence":0.99902344,"punctuated_word":"bad.","sentiment":"positive","sentiment_score":0.38529959321022034},{"word":"it","start":845.465,"end":845.705,"confidence":0.9941406,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.363861083984375},{"word":"gives","start":845.705,"end":845.865,"confidence":1.0,"punctuated_word":"gives","sentiment":"positive","sentiment_score":0.3600064218044281},{"word":"you","start":845.865,"end":846.025,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4307372570037842},{"word":"a","start":846.025,"end":846.265,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4229398369789123},{"word":"fresh","start":846.265,"end":846.585,"confidence":1.0,"punctuated_word":"fresh","sentiment":"positive","sentiment_score":0.43782874941825867},{"word":"start","start":846.585,"end":846.905,"confidence":0.98657227,"punctuated_word":"start.","sentiment":"positive","sentiment_score":0.4126644730567932},{"word":"you","start":846.905,"end":846.985,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.3206210434436798},{"word":"can","start":846.985,"end":847.22504,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3545072376728058},{"word":"start","start":847.22504,"end":847.465,"confidence":0.99902344,"punctuated_word":"start","sentiment":"positive","sentiment_score":0.3616401553153992},{"word":"from","start":847.465,"end":847.78503,"confidence":1.0,"punctuated_word":"from","sentiment":"positive","sentiment_score":0.4124688804149628},{"word":"zero","start":847.78503,"end":848.185,"confidence":0.9284668,"punctuated_word":"zero,","sentiment":"positive","sentiment_score":0.34423330426216125},{"word":"and","start":848.185,"end":848.34503,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2604844868183136},{"word":"then","start":848.34503,"end":848.505,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2781774401664734},{"word":"you","start":848.505,"end":848.585,"confidence":0.6142578,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.222092866897583},{"word":"know","start":848.585,"end":848.905,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.22937273979187012},{"word":"the","start":848.905,"end":849.065,"confidence":0.94921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21275997161865232},{"word":"only","start":849.065,"end":849.305,"confidence":0.99609375,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.17405304312705994},{"word":"way","start":849.305,"end":849.545,"confidence":0.99902344,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.23307615518569944},{"word":"is","start":849.545,"end":849.705,"confidence":0.90478516,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.19634102284908295},{"word":"up","start":849.705,"end":849.865,"confidence":0.9970703,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.2529437243938446},{"word":"from","start":849.865,"end":850.105,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.24727362394332889},{"word":"there","start":850.105,"end":850.425,"confidence":0.8881836,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.16543728113174438},{"word":"so","start":850.425,"end":850.925,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03723042458295822},{"word":"not","start":851.065,"end":851.22504,"confidence":0.9658203,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.0026529133319854736},{"word":"always","start":851.22504,"end":851.545,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.013796918094158173},{"word":"a","start":851.545,"end":851.625,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12854516506195068},{"word":"bad","start":851.625,"end":851.865,"confidence":1.0,"punctuated_word":"bad","sentiment":"neutral","sentiment_score":0.1317128688097},{"word":"thing","start":851.865,"end":852.365,"confidence":1.0,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.1056126430630684},{"word":"yeah","start":854.265,"end":854.66504,"confidence":0.9921875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.19945308566093445},{"word":"no","start":854.66504,"end":854.905,"confidence":0.99609375,"punctuated_word":"No.","sentiment":"positive","sentiment_score":0.3347925543785095},{"word":"it'll","start":854.905,"end":855.22504,"confidence":0.9975586,"punctuated_word":"It'll","sentiment":"positive","sentiment_score":0.5496846437454224},{"word":"be","start":855.22504,"end":855.465,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.5839402079582214},{"word":"fantastic","start":855.465,"end":855.965,"confidence":1.0,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.45458441972732544},{"word":"do","start":857.065,"end":857.22504,"confidence":0.85839844,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.13014300167560575},{"word":"you","start":857.22504,"end":857.465,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11620774865150452},{"word":"have","start":857.465,"end":857.78503,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09347377717494965},{"word":"any","start":857.78503,"end":858.185,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.09651769697666168},{"word":"other","start":858.185,"end":858.685,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.09760452806949615},{"word":"assets","start":859.145,"end":859.545,"confidence":0.8432617,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.09472043812274931},{"word":"you'd","start":859.545,"end":859.78503,"confidence":0.97094727,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.05831130966544151},{"word":"note","start":859.78503,"end":860.025,"confidence":0.98095703,"punctuated_word":"note","sentiment":"neutral","sentiment_score":0.04313717037439346},{"word":"down","start":860.025,"end":860.265,"confidence":0.99609375,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.06867320090532303},{"word":"any","start":860.265,"end":860.505,"confidence":0.42871094,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.04086710512638092},{"word":"other","start":860.505,"end":860.66504,"confidence":0.99121094,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.0491485521197319},{"word":"i've","start":860.745,"end":861.06,"confidence":0.6647949,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.056766413152217865},{"word":"i","start":861.3,"end":861.46,"confidence":0.86572266,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.037375472486019135},{"word":"don't","start":861.46,"end":861.7,"confidence":0.9604492,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.041127320379018784},{"word":"have","start":861.7,"end":862.02,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.030742578208446503},{"word":"because","start":862.26,"end":862.5,"confidence":0.98828125,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.02553354948759079},{"word":"your","start":862.5,"end":862.66,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.027984285727143288},{"word":"car","start":862.66,"end":862.9,"confidence":1.0,"punctuated_word":"car","sentiment":"neutral","sentiment_score":0.05572928488254547},{"word":"is","start":862.9,"end":863.06,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.055331550538539886},{"word":"with","start":863.06,"end":863.3,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05873488262295723},{"word":"your","start":863.3,"end":863.54,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06117981672286987},{"word":"employer","start":863.54,"end":864.02,"confidence":0.8210449,"punctuated_word":"employer,","sentiment":"neutral","sentiment_score":0.07029804587364197},{"word":"so","start":864.02,"end":864.18,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.05107158422470093},{"word":"you","start":864.18,"end":864.26,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04910852015018463},{"word":"don't","start":864.26,"end":864.5,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.032043084502220154},{"word":"have","start":864.5,"end":864.66,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.024908721446990967},{"word":"any","start":864.66,"end":864.82,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.027491595596075055},{"word":"other","start":864.82,"end":865.06,"confidence":0.9951172,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.005399733781814575},{"word":"cars","start":865.06,"end":865.46,"confidence":0.986084,"punctuated_word":"cars,","sentiment":"neutral","sentiment_score":0.024952350184321404},{"word":"boats","start":865.46,"end":865.86,"confidence":0.8276367,"punctuated_word":"boats,","sentiment":"neutral","sentiment_score":0.04622345790266991},{"word":"caravans","start":865.86,"end":866.36,"confidence":0.9844971,"punctuated_word":"caravans,","sentiment":"neutral","sentiment_score":0.06018466874957085},{"word":"or","start":866.5,"end":866.66,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05055886879563331},{"word":"anything","start":866.66,"end":866.98,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.044654395431280136},{"word":"else","start":866.98,"end":867.22,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.04029300436377525},{"word":"to","start":867.22,"end":867.3,"confidence":0.9863281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.027809228748083115},{"word":"note","start":867.3,"end":867.54,"confidence":0.99902344,"punctuated_word":"note","sentiment":"neutral","sentiment_score":0.010152500122785568},{"word":"down","start":867.54,"end":868.04,"confidence":0.9770508,"punctuated_word":"down?","sentiment":"neutral","sentiment_score":0.028109043836593628},{"word":"nope","start":869.46,"end":869.7,"confidence":0.7861328,"punctuated_word":"Nope.","sentiment":"neutral","sentiment_score":-0.02219301462173462},{"word":"that's","start":869.7,"end":870.02,"confidence":1.0,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.6151320934295654},{"word":"okay","start":870.02,"end":870.52,"confidence":0.99902344,"punctuated_word":"okay.","sentiment":"positive","sentiment_score":0.48164618015289307},{"word":"do","start":870.82,"end":870.98,"confidence":0.9589844,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.09620200842618942},{"word":"you","start":870.98,"end":871.06,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1823751330375671},{"word":"have","start":871.06,"end":871.22,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1871834695339203},{"word":"any","start":871.22,"end":871.46,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.19236648082733152},{"word":"shares","start":871.46,"end":871.7,"confidence":0.99316406,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.1927789002656937},{"word":"of","start":871.7,"end":871.94,"confidence":0.9902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.158071368932724},{"word":"cryptocurrency","start":871.94,"end":872.44,"confidence":0.99902344,"punctuated_word":"cryptocurrency","sentiment":"neutral","sentiment_score":0.18484705686569217},{"word":"or","start":872.66,"end":872.9,"confidence":0.9951172,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.18696320056915283},{"word":"anything","start":872.9,"end":873.14,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.2304626852273941},{"word":"else","start":873.14,"end":873.38,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.2751694917678833},{"word":"that","start":873.38,"end":873.54,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21745337545871735},{"word":"you","start":873.54,"end":873.7,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2514335811138153},{"word":"might","start":873.7,"end":873.86,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.24005374312400815},{"word":"have","start":873.86,"end":874.02,"confidence":0.90722656,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.25224465131759644},{"word":"had","start":874.02,"end":874.18,"confidence":0.99609375,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.1956505924463272},{"word":"for","start":874.18,"end":874.34,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1948012411594391},{"word":"the","start":874.34,"end":874.42,"confidence":0.9370117,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27564626932144165},{"word":"last","start":874.42,"end":874.66,"confidence":0.99902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.20949313044548035},{"word":"few","start":874.66,"end":874.9,"confidence":0.94628906,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.1894093751907349},{"word":"years","start":874.9,"end":875.4,"confidence":0.9995117,"punctuated_word":"years?","sentiment":"neutral","sentiment_score":0.18876898288726807},{"word":"no","start":876.905,"end":877.225,"confidence":0.95166016,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05416076630353928},{"word":"that's","start":877.225,"end":877.625,"confidence":0.8430176,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.21196208894252777},{"word":"okay","start":877.625,"end":878.125,"confidence":0.99560547,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.2965325117111206},{"word":"all","start":878.345,"end":878.585,"confidence":0.9951172,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.6800720691680908},{"word":"good","start":878.585,"end":879.085,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.593514084815979},{"word":"estate","start":880.105,"end":880.505,"confidence":0.80810547,"punctuated_word":"Estate","sentiment":"neutral","sentiment_score":0.3206159770488739},{"word":"planning","start":880.505,"end":880.985,"confidence":0.9980469,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.3304106593132019},{"word":"sides","start":880.985,"end":881.305,"confidence":0.35717773,"punctuated_word":"sides","sentiment":"neutral","sentiment_score":0.30591556429862976},{"word":"of","start":881.305,"end":881.465,"confidence":0.88720703,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.34125638008117676},{"word":"things","start":881.465,"end":881.785,"confidence":0.9980469,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.3181866407394409},{"word":"as","start":881.785,"end":881.945,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2641771137714386},{"word":"well","start":881.945,"end":882.345,"confidence":0.75219727,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.17693820595741272},{"word":"because","start":882.345,"end":882.665,"confidence":0.99902344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.03398742526769638},{"word":"you","start":882.665,"end":882.905,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1652975082397461},{"word":"are","start":882.905,"end":883.145,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1734910011291504},{"word":"kinda","start":883.145,"end":883.385,"confidence":0.7573242,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.2125690281391144},{"word":"going","start":883.385,"end":883.625,"confidence":0.9970703,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.2431155741214752},{"word":"through","start":883.625,"end":883.865,"confidence":0.92822266,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.17525841295719147},{"word":"this","start":883.865,"end":884.025,"confidence":0.9716797,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1592196822166443},{"word":"change","start":884.025,"end":884.265,"confidence":0.95947266,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.11614710092544556},{"word":"and","start":884.265,"end":884.425,"confidence":0.6748047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05224057286977768},{"word":"you","start":884.425,"end":884.585,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11360150575637816},{"word":"do","start":884.585,"end":884.825,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1570412814617157},{"word":"have","start":884.825,"end":884.985,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1051144227385521},{"word":"kids","start":884.985,"end":885.465,"confidence":0.9819336,"punctuated_word":"kids,","sentiment":"neutral","sentiment_score":0.1098649874329567},{"word":"have","start":885.465,"end":885.625,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06216375529766083},{"word":"you","start":885.625,"end":885.865,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08612560480833054},{"word":"thought","start":885.865,"end":886.105,"confidence":0.99902344,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":0.0928611159324646},{"word":"about","start":886.105,"end":886.345,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.07746569812297821},{"word":"drafting","start":886.345,"end":886.825,"confidence":0.97314453,"punctuated_word":"drafting","sentiment":"neutral","sentiment_score":0.08657139539718628},{"word":"up","start":886.825,"end":886.985,"confidence":0.94628906,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.03745409846305847},{"word":"a","start":886.985,"end":887.065,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.008300714194774628},{"word":"will","start":887.065,"end":887.385,"confidence":0.98535156,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.02869047224521637},{"word":"with","start":887.385,"end":887.545,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.006475701928138733},{"word":"a","start":887.545,"end":887.705,"confidence":0.9277344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01439434289932251},{"word":"solicitor","start":887.705,"end":888.205,"confidence":0.99853516,"punctuated_word":"solicitor?","sentiment":"neutral","sentiment_score":0.09106767922639848},{"word":"yep","start":894.9,"end":895.4,"confidence":0.8859863,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02314753457903862},{"word":"yep","start":897.38,"end":897.88,"confidence":0.98657227,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.029496310278773308},{"word":"yes","start":911.475,"end":911.975,"confidence":0.826416,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.11903804540634157},{"word":"yeah","start":913.7,"end":914.10004,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17801140248775482},{"word":"absolutely","start":914.10004,"end":914.60004,"confidence":0.99902344,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.3610494136810303},{"word":"so","start":915.06,"end":915.46,"confidence":0.939209,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.2517804503440857},{"word":"i","start":915.46,"end":915.54004,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2348404824733734},{"word":"mean","start":915.54004,"end":915.78,"confidence":1.0,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.25303539633750916},{"word":"the","start":915.78,"end":916.02,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27404269576072693},{"word":"beneficiaries","start":916.02,"end":916.52,"confidence":0.9970703,"punctuated_word":"beneficiaries","sentiment":"neutral","sentiment_score":0.24237430095672607},{"word":"are","start":916.82,"end":917.14,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2053527534008026},{"word":"valid","start":917.14,"end":917.54004,"confidence":1.0,"punctuated_word":"valid","sentiment":"neutral","sentiment_score":0.2082897573709488},{"word":"before","start":917.54004,"end":917.78,"confidence":0.9560547,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.18134580552577972},{"word":"where","start":917.78,"end":917.94,"confidence":0.5410156,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.058866456151008606},{"word":"they","start":917.94,"end":918.18,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.1828903406858444},{"word":"are","start":918.18,"end":918.68,"confidence":0.89331055,"punctuated_word":"are.","sentiment":"neutral","sentiment_score":0.19556039571762085},{"word":"and","start":919.06,"end":919.3,"confidence":0.8083496,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.18568503856658936},{"word":"essentially","start":919.3,"end":919.7,"confidence":0.99853516,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.1691870391368866},{"word":"the","start":919.7,"end":919.86,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26142367720603943},{"word":"way","start":919.86,"end":920.10004,"confidence":0.9980469,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.170055091381073},{"word":"this","start":920.10004,"end":920.34,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.15750642120838165},{"word":"would","start":920.34,"end":920.74,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.16538068652153015},{"word":"look","start":920.74,"end":920.98004,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.16990087926387787},{"word":"to","start":920.98004,"end":921.22003,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18510280549526217},{"word":"work","start":921.22003,"end":921.54004,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.17031732201576233},{"word":"if","start":921.54004,"end":921.7,"confidence":0.7519531,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.15623623132705688},{"word":"you","start":921.7,"end":921.86,"confidence":0.9892578,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15989230573177338},{"word":"were","start":921.86,"end":922.10004,"confidence":1.0,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.13031338155269623},{"word":"to","start":922.10004,"end":922.26,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10167819261550903},{"word":"pass","start":922.26,"end":922.5,"confidence":0.99902344,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":0.02960871160030365},{"word":"away","start":922.5,"end":923.0,"confidence":0.9946289,"punctuated_word":"away,","sentiment":"neutral","sentiment_score":0.09980721771717072},{"word":"your","start":923.78,"end":924.02,"confidence":0.9448242,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19041508436203003},{"word":"eldest","start":924.02,"end":924.42004,"confidence":0.9902344,"punctuated_word":"eldest","sentiment":"neutral","sentiment_score":0.13118019700050354},{"word":"child","start":924.42004,"end":924.82,"confidence":1.0,"punctuated_word":"child","sentiment":"neutral","sentiment_score":0.18493226170539856},{"word":"who","start":924.82,"end":924.98004,"confidence":0.7631836,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.2291640341281891},{"word":"is","start":924.98004,"end":925.22003,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.21859848499298096},{"word":"over","start":925.22003,"end":925.46,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.27125284075737},{"word":"21","start":925.46,"end":926.18,"confidence":0.9995117,"punctuated_word":"21","sentiment":"neutral","sentiment_score":0.2479721307754517},{"word":"would","start":926.18,"end":926.34,"confidence":0.96240234,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.28881436586380005},{"word":"be","start":926.34,"end":926.5,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.300422340631485},{"word":"able","start":926.5,"end":926.74,"confidence":1.0,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.34977051615715027},{"word":"to","start":926.74,"end":926.82,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4166882336139679},{"word":"then","start":926.82,"end":927.14,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.3208441734313965},{"word":"receive","start":927.14,"end":927.46,"confidence":0.99902344,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":0.30943018198013306},{"word":"the","start":927.46,"end":927.62,"confidence":0.9970703,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3422131836414337},{"word":"full","start":927.62,"end":927.86,"confidence":1.0,"punctuated_word":"full","sentiment":"positive","sentiment_score":0.4243929386138916},{"word":"benefit","start":927.86,"end":928.36,"confidence":0.91748047,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.42775973677635193},{"word":"straight","start":928.505,"end":928.825,"confidence":1.0,"punctuated_word":"straight","sentiment":"positive","sentiment_score":0.4296160340309143},{"word":"to","start":928.825,"end":929.325,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4545406103134155},{"word":"him","start":929.385,"end":929.625,"confidence":0.9995117,"punctuated_word":"him.","sentiment":"positive","sentiment_score":0.3389050364494324},{"word":"however","start":929.625,"end":929.945,"confidence":0.99902344,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":-0.02920025773346424},{"word":"your","start":929.945,"end":930.265,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.09688207507133484},{"word":"children","start":930.265,"end":930.58496,"confidence":1.0,"punctuated_word":"children","sentiment":"neutral","sentiment_score":-0.188244104385376},{"word":"who","start":930.58496,"end":930.825,"confidence":0.9472656,"punctuated_word":"who","sentiment":"neutral","sentiment_score":-0.23364725708961487},{"word":"are","start":930.825,"end":930.985,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.19556473195552823},{"word":"under","start":930.985,"end":931.225,"confidence":1.0,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.2409326732158661},{"word":"the","start":931.225,"end":931.46497,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16725851595401764},{"word":"age","start":931.46497,"end":931.705,"confidence":1.0,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.16655874252319336},{"word":"of","start":931.705,"end":931.865,"confidence":0.98828125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2055833339691162},{"word":"18","start":931.865,"end":932.365,"confidence":0.7890625,"punctuated_word":"18,","sentiment":"neutral","sentiment_score":-0.21656988561153412},{"word":"essentially","start":933.065,"end":933.46497,"confidence":0.9316406,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":-0.23656001687049863},{"word":"has","start":933.46497,"end":933.705,"confidence":0.93115234,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.2120850831270218},{"word":"to","start":933.705,"end":933.785,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.18310177326202393},{"word":"go","start":933.785,"end":933.945,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.232583686709404},{"word":"through","start":933.945,"end":934.185,"confidence":0.8959961,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.20087175071239471},{"word":"the","start":934.185,"end":934.345,"confidence":0.96240234,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.22872498631477356},{"word":"guardian","start":934.345,"end":934.745,"confidence":0.7089844,"punctuated_word":"guardian","sentiment":"neutral","sentiment_score":-0.27454710006713867},{"word":"because","start":934.745,"end":935.065,"confidence":0.92578125,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.1338123381137848},{"word":"they","start":935.065,"end":935.305,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.17827309668064115},{"word":"can't","start":935.305,"end":935.46497,"confidence":1.0,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.18416881561279297},{"word":"really","start":935.46497,"end":935.785,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.15497809648513794},{"word":"make","start":935.785,"end":935.945,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.17696276307106018},{"word":"those","start":935.945,"end":936.185,"confidence":0.99121094,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.22487366199493408},{"word":"financial","start":936.185,"end":936.685,"confidence":0.3605957,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.2686734199523926},{"word":"decisions","start":936.90497,"end":937.385,"confidence":0.9970703,"punctuated_word":"decisions","sentiment":"neutral","sentiment_score":-0.18912141025066376},{"word":"on","start":937.385,"end":937.545,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.22912755608558655},{"word":"their","start":937.545,"end":937.705,"confidence":1.0,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.21715502440929413},{"word":"own","start":937.705,"end":937.865,"confidence":0.9885254,"punctuated_word":"own.","sentiment":"neutral","sentiment_score":-0.19847382605075836},{"word":"so","start":937.865,"end":937.985,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.07019363343715668},{"word":"it","start":937.985,"end":938.105,"confidence":0.79833984,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07277576625347137},{"word":"would","start":938.105,"end":938.345,"confidence":0.90527344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.053551919758319855},{"word":"come","start":938.345,"end":938.58496,"confidence":0.71777344,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.004752859473228455},{"word":"down","start":938.58496,"end":938.745,"confidence":0.9819336,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.01339464634656906},{"word":"to","start":938.745,"end":938.90497,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07497883588075638},{"word":"the","start":938.90497,"end":938.985,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09068597108125688},{"word":"guardian","start":938.985,"end":939.46497,"confidence":0.98461914,"punctuated_word":"guardian,","sentiment":"neutral","sentiment_score":-0.05895964801311493},{"word":"which","start":939.46497,"end":939.625,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.002526983618736267},{"word":"i","start":939.625,"end":939.705,"confidence":0.96875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.027423016726970673},{"word":"assume","start":939.705,"end":940.02496,"confidence":0.9707031,"punctuated_word":"assume","sentiment":"neutral","sentiment_score":0.017406895756721497},{"word":"would","start":940.02496,"end":940.185,"confidence":0.9980469,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.02841866761445999},{"word":"be","start":940.185,"end":940.345,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.02688349038362503},{"word":"emily","start":940.345,"end":940.665,"confidence":0.91796875,"punctuated_word":"Emily,","sentiment":"neutral","sentiment_score":-0.02959933876991272},{"word":"your","start":940.665,"end":940.90497,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0657680481672287},{"word":"ex","start":940.90497,"end":941.14496,"confidence":1.0,"punctuated_word":"ex","sentiment":"neutral","sentiment_score":-0.04906222224235535},{"word":"wife","start":941.14496,"end":941.55,"confidence":0.8574219,"punctuated_word":"wife.","sentiment":"neutral","sentiment_score":0.0032952092587947845},{"word":"so","start":942.91,"end":943.14996,"confidence":0.97265625,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1565037965774536},{"word":"she","start":943.14996,"end":943.39,"confidence":1.0,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.19153130054473877},{"word":"would","start":943.39,"end":943.63,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.19650837779045105},{"word":"essentially","start":943.63,"end":944.11,"confidence":0.9819336,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.1776987910270691},{"word":"either","start":944.11,"end":944.35,"confidence":0.9980469,"punctuated_word":"either","sentiment":"neutral","sentiment_score":0.16634199023246765},{"word":"have","start":944.35,"end":944.51,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.23886173963546753},{"word":"the","start":944.51,"end":944.67,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23680752515792847},{"word":"option","start":944.67,"end":944.99,"confidence":1.0,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.20178866386413577},{"word":"of","start":944.99,"end":945.23,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18693244457244873},{"word":"withdrawing","start":945.23,"end":945.70996,"confidence":1.0,"punctuated_word":"withdrawing","sentiment":"neutral","sentiment_score":0.09039373695850372},{"word":"the","start":945.70996,"end":945.87,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12071941047906876},{"word":"funds","start":945.87,"end":946.11,"confidence":0.99609375,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.13217152655124664},{"word":"to","start":946.11,"end":946.35,"confidence":0.84765625,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17976441979408264},{"word":"the","start":946.35,"end":946.43,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21078315377235413},{"word":"kids","start":946.43,"end":946.91,"confidence":0.9970703,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":0.19132888317108152},{"word":"as","start":946.91,"end":947.07,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2776796817779541},{"word":"a","start":947.07,"end":947.14996,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.341639906167984},{"word":"whole","start":947.14996,"end":947.63,"confidence":0.8430176,"punctuated_word":"whole,","sentiment":"neutral","sentiment_score":0.163133442401886},{"word":"or","start":947.63,"end":948.13,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.1012461632490158},{"word":"she","start":948.35,"end":948.51,"confidence":1.0,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.21144042909145355},{"word":"can","start":948.51,"end":948.75,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14763367176055908},{"word":"look","start":948.75,"end":948.99,"confidence":0.9941406,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.15587718784809113},{"word":"to","start":948.99,"end":949.14996,"confidence":0.9873047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16935306787490845},{"word":"set","start":949.14996,"end":949.39,"confidence":0.98828125,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.235294371843338},{"word":"up","start":949.39,"end":949.87,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.2153632938861847},{"word":"in","start":949.87,"end":950.02997,"confidence":0.5078125,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.22124779224395752},{"word":"like","start":950.26996,"end":950.58997,"confidence":0.9797363,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1643562912940979},{"word":"pension","start":950.58997,"end":951.07,"confidence":0.9902344,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.19635364413261416},{"word":"income","start":951.07,"end":951.39,"confidence":0.99121094,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.2491169273853302},{"word":"streams","start":951.39,"end":951.79,"confidence":0.98535156,"punctuated_word":"streams","sentiment":"neutral","sentiment_score":0.22674253582954407},{"word":"in","start":951.79,"end":952.02997,"confidence":0.6816406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.24640262126922607},{"word":"super","start":952.02997,"end":952.52997,"confidence":0.61083984,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.3142549991607666},{"word":"and","start":952.67,"end":952.83,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.21693773567676544},{"word":"those","start":952.83,"end":953.23,"confidence":0.9873047,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.29406189918518066},{"word":"can","start":953.23,"end":953.55,"confidence":0.9838867,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.21070429682731628},{"word":"stay","start":953.55,"end":953.87,"confidence":0.9980469,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":0.2011021375656128},{"word":"with","start":953.87,"end":954.02997,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.17620377242565155},{"word":"the","start":954.02997,"end":954.11,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2576129138469696},{"word":"kids","start":954.11,"end":954.43,"confidence":1.0,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":0.27098318934440613},{"word":"until","start":954.43,"end":954.83,"confidence":1.0,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.1550123244524002},{"word":"they","start":954.83,"end":955.14996,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.15569891035556793},{"word":"essentially","start":955.14996,"end":955.64996,"confidence":0.96777344,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.1872783899307251},{"word":"turn","start":955.79,"end":956.02997,"confidence":0.8359375,"punctuated_word":"turn,","sentiment":"neutral","sentiment_score":0.19269610941410065},{"word":"i","start":956.02997,"end":956.19,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.26567667722702026},{"word":"think","start":956.19,"end":956.35,"confidence":0.86572266,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":0.18987785279750824},{"word":"at","start":956.35,"end":956.595,"confidence":0.41430664,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.15643221139907837},{"word":"21","start":956.675,"end":957.07495,"confidence":1.0,"punctuated_word":"21","sentiment":"neutral","sentiment_score":0.1920560896396637},{"word":"these","start":957.07495,"end":957.39496,"confidence":0.9902344,"punctuated_word":"these","sentiment":"positive","sentiment_score":0.362387478351593},{"word":"days","start":957.39496,"end":957.89496,"confidence":0.7644043,"punctuated_word":"days.","sentiment":"neutral","sentiment_score":0.26149922609329224},{"word":"and","start":958.51495,"end":958.675,"confidence":0.6425781,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2010342925786972},{"word":"they","start":958.675,"end":958.915,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.32016944885253906},{"word":"can","start":958.915,"end":959.235,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.3099866211414337},{"word":"be","start":959.235,"end":959.475,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.4062833786010742},{"word":"receiving","start":959.475,"end":959.975,"confidence":1.0,"punctuated_word":"receiving","sentiment":"positive","sentiment_score":0.35887908935546875},{"word":"regular","start":960.27496,"end":960.75494,"confidence":0.9970703,"punctuated_word":"regular","sentiment":"positive","sentiment_score":0.42512327432632446},{"word":"income","start":960.75494,"end":961.15497,"confidence":0.99902344,"punctuated_word":"income","sentiment":"positive","sentiment_score":0.34008002281188965},{"word":"streams","start":961.15497,"end":961.65497,"confidence":0.5175781,"punctuated_word":"streams.","sentiment":"neutral","sentiment_score":0.3191295266151428},{"word":"but","start":962.675,"end":962.995,"confidence":0.96777344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.1507771909236908},{"word":"your","start":962.995,"end":963.235,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.21154123544692993},{"word":"eldest","start":963.235,"end":963.63495,"confidence":0.984375,"punctuated_word":"eldest","sentiment":"neutral","sentiment_score":0.12795856595039368},{"word":"child","start":963.63495,"end":963.95496,"confidence":1.0,"punctuated_word":"child","sentiment":"neutral","sentiment_score":0.1383991539478302},{"word":"would","start":963.95496,"end":964.19495,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.19365382194519043},{"word":"receive","start":964.19495,"end":964.595,"confidence":0.99902344,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":0.17538529634475708},{"word":"the","start":964.595,"end":964.75494,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21378889679908752},{"word":"funds","start":964.75494,"end":965.15497,"confidence":0.9980469,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.21437764167785645},{"word":"direct","start":965.15497,"end":965.555,"confidence":0.9838867,"punctuated_word":"direct","sentiment":"neutral","sentiment_score":0.27746573090553284},{"word":"to","start":965.555,"end":965.63495,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3077932298183441},{"word":"him","start":965.63495,"end":966.13495,"confidence":0.75024414,"punctuated_word":"him,","sentiment":"neutral","sentiment_score":0.2506694793701172},{"word":"being","start":966.27496,"end":966.51495,"confidence":0.33276367,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.2482165694236755},{"word":"as","start":966.51495,"end":966.75494,"confidence":0.73095703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.20565767586231232},{"word":"he","start":966.75494,"end":966.83496,"confidence":0.98535156,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.3037585914134979},{"word":"is","start":966.83496,"end":966.995,"confidence":0.9472656,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16169948875904083},{"word":"no","start":966.995,"end":967.235,"confidence":0.99902344,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.028471991419792175},{"word":"longer","start":967.235,"end":967.63495,"confidence":0.99902344,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":0.0446329265832901},{"word":"technically","start":967.63495,"end":968.115,"confidence":0.9589844,"punctuated_word":"technically","sentiment":"neutral","sentiment_score":0.014848843216896055},{"word":"a","start":968.115,"end":968.27496,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03133391588926315},{"word":"financial","start":968.27496,"end":968.75494,"confidence":0.9980469,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.07769542932510376},{"word":"dependent","start":968.75494,"end":969.235,"confidence":0.99121094,"punctuated_word":"dependent","sentiment":"neutral","sentiment_score":-0.10427327454090118},{"word":"under","start":969.235,"end":969.475,"confidence":0.9970703,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.08755753934383392},{"word":"the","start":969.475,"end":969.63495,"confidence":0.8989258,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09596970677375792},{"word":"cis","start":969.63495,"end":969.875,"confidence":0.44433594,"punctuated_word":"CIS","sentiment":"neutral","sentiment_score":0.026717491447925568},{"word":"act","start":969.875,"end":970.29,"confidence":0.751709,"punctuated_word":"Act.","sentiment":"neutral","sentiment_score":0.06938089430332184},{"word":"and","start":970.76996,"end":970.85,"confidence":0.9921875,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.024843968451023105},{"word":"then","start":970.85,"end":971.00995,"confidence":0.95703125,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":-0.006415616720914841},{"word":"yeah","start":971.00995,"end":971.41,"confidence":0.98339844,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.15480723977088928},{"word":"the","start":971.41,"end":971.49,"confidence":0.6538086,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1861824095249176},{"word":"other","start":971.49,"end":971.64996,"confidence":0.3540039,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.16987916827201843},{"word":"kids","start":971.64996,"end":971.88995,"confidence":0.83374023,"punctuated_word":"kids,","sentiment":"neutral","sentiment_score":0.16410040855407715},{"word":"it","start":971.88995,"end":972.05,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1688840091228485},{"word":"would","start":972.05,"end":972.20996,"confidence":0.9921875,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.22891607880592343},{"word":"all","start":972.20996,"end":972.37,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1536514312028885},{"word":"come","start":972.37,"end":972.52997,"confidence":0.9970703,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.2396289110183716},{"word":"down","start":972.52997,"end":972.76996,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.18399696052074432},{"word":"to","start":972.76996,"end":973.00995,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1899397373199463},{"word":"essentially","start":973.00995,"end":973.49,"confidence":0.8925781,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.17167046666145325},{"word":"what","start":973.49,"end":973.73,"confidence":0.99609375,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2168203592300415},{"word":"your","start":973.73,"end":973.88995,"confidence":0.6323242,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1638742238283157},{"word":"the","start":973.97,"end":974.13,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20926423370838165},{"word":"guardian","start":974.13,"end":974.61,"confidence":0.97802734,"punctuated_word":"guardian","sentiment":"neutral","sentiment_score":0.14212417602539062},{"word":"wants","start":974.61,"end":974.85,"confidence":0.99902344,"punctuated_word":"wants","sentiment":"neutral","sentiment_score":0.10142779350280762},{"word":"to","start":974.85,"end":974.93,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12484423816204072},{"word":"do","start":974.93,"end":975.08997,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09246175736188889},{"word":"with","start":975.08997,"end":975.25,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.09260459244251253},{"word":"the","start":975.25,"end":975.41,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1385657787322998},{"word":"funds","start":975.41,"end":975.73,"confidence":0.76293945,"punctuated_word":"funds,","sentiment":"neutral","sentiment_score":0.14872592687606812},{"word":"either","start":975.73,"end":976.13,"confidence":1.0,"punctuated_word":"either","sentiment":"neutral","sentiment_score":0.1421431005001068},{"word":"draw","start":976.13,"end":976.37,"confidence":0.99609375,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.18550270795822144},{"word":"it","start":976.37,"end":976.44995,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1545538604259491},{"word":"out","start":976.44995,"end":976.61,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.14901773631572723},{"word":"as","start":976.61,"end":976.76996,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09717190265655518},{"word":"a","start":976.76996,"end":976.93,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1384057104587555},{"word":"full","start":976.93,"end":977.17,"confidence":0.99609375,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.1355099081993103},{"word":"lump","start":977.17,"end":977.32996,"confidence":0.99902344,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.16754309833049774},{"word":"sum","start":977.32996,"end":977.64996,"confidence":0.9980469,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":0.20878469944000244},{"word":"to","start":977.64996,"end":977.81,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16190236806869507},{"word":"be","start":977.81,"end":977.88995,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.17110061645507812},{"word":"used","start":977.88995,"end":978.20996,"confidence":0.99902344,"punctuated_word":"used","sentiment":"neutral","sentiment_score":0.1994951069355011},{"word":"for","start":978.20996,"end":978.37,"confidence":0.55859375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.19856704771518707},{"word":"the","start":978.37,"end":978.44995,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22211101651191711},{"word":"kids","start":978.44995,"end":978.94995,"confidence":0.8234863,"punctuated_word":"kids,","sentiment":"neutral","sentiment_score":0.20143625140190125},{"word":"or","start":979.17,"end":979.49,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.11085797101259232},{"word":"they","start":979.49,"end":979.64996,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.17258769273757937},{"word":"can","start":979.64996,"end":980.05,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.13983730971813202},{"word":"sort","start":980.05,"end":980.29,"confidence":0.98828125,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.15746162831783295},{"word":"of","start":980.29,"end":980.52997,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18270736932754517},{"word":"keep","start":980.52997,"end":980.69,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.11156342923641203},{"word":"that","start":980.69,"end":980.93,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17793358862400055},{"word":"in","start":980.93,"end":981.00995,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12888231873512268},{"word":"the","start":981.00995,"end":981.17,"confidence":0.97998047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17646734416484833},{"word":"super","start":981.17,"end":981.57,"confidence":0.68359375,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2799646258354187},{"word":"system","start":981.57,"end":981.97,"confidence":0.9941406,"punctuated_word":"system","sentiment":"neutral","sentiment_score":0.21767523884773257},{"word":"until","start":981.97,"end":982.29,"confidence":0.99902344,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.15535792708396912},{"word":"they","start":982.29,"end":982.44995,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.11743586510419846},{"word":"reach","start":982.44995,"end":982.69,"confidence":0.8647461,"punctuated_word":"reach","sentiment":"neutral","sentiment_score":0.10828785598278046},{"word":"a","start":982.69,"end":982.76996,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14730146527290344},{"word":"certain","start":982.76996,"end":983.08997,"confidence":0.9980469,"punctuated_word":"certain","sentiment":"neutral","sentiment_score":0.12134925276041032},{"word":"age","start":983.08997,"end":983.41,"confidence":1.0,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.11840452253818512},{"word":"and","start":983.41,"end":983.57,"confidence":0.92333984,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12977418303489685},{"word":"draw","start":983.57,"end":983.81,"confidence":0.98535156,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.16829143464565277},{"word":"regular","start":983.81,"end":984.29,"confidence":0.9111328,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.2324344515800476},{"word":"income","start":984.29,"end":984.76996,"confidence":0.9902344,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.2090453952550888},{"word":"down","start":984.76996,"end":985.25,"confidence":0.9855957,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":0.14913934469223022},{"word":"so","start":985.25,"end":985.725,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15084609389305115},{"word":"that","start":985.805,"end":985.96497,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16998273134231567},{"word":"would","start":985.96497,"end":986.125,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.2047855854034424},{"word":"all","start":986.125,"end":986.20496,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1758272647857666},{"word":"depend","start":986.20496,"end":986.605,"confidence":0.99902344,"punctuated_word":"depend","sentiment":"neutral","sentiment_score":0.2525521218776703},{"word":"on","start":986.605,"end":986.76495,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.3344686031341553},{"word":"what","start":986.76495,"end":986.925,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2632873058319092},{"word":"the","start":986.925,"end":987.165,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2219921350479126},{"word":"guardian","start":987.165,"end":987.565,"confidence":0.89208984,"punctuated_word":"guardian","sentiment":"neutral","sentiment_score":0.17803959548473358},{"word":"wants","start":987.565,"end":987.96497,"confidence":1.0,"punctuated_word":"wants","sentiment":"neutral","sentiment_score":0.16657830774784088},{"word":"to","start":987.96497,"end":988.125,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19147957861423492},{"word":"do","start":988.125,"end":988.625,"confidence":1.0,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.1982748806476593},{"word":"there","start":988.76495,"end":989.005,"confidence":0.60791016,"punctuated_word":"There","sentiment":"positive","sentiment_score":0.34394723176956177},{"word":"is","start":989.005,"end":989.165,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.32578206062316895},{"word":"another","start":989.165,"end":989.485,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.29253509640693665},{"word":"way","start":989.485,"end":989.725,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.29578033089637756},{"word":"to","start":989.725,"end":989.805,"confidence":0.99121094,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3924959897994995},{"word":"set","start":989.805,"end":989.96497,"confidence":0.8095703,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.31759387254714966},{"word":"up","start":989.96497,"end":990.125,"confidence":0.9970703,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.3419933021068573},{"word":"your","start":990.125,"end":990.365,"confidence":0.9863281,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.39996200799942017},{"word":"beneficiaries","start":990.365,"end":990.865,"confidence":0.9970703,"punctuated_word":"beneficiaries","sentiment":"neutral","sentiment_score":0.30107250809669495},{"word":"where","start":991.005,"end":991.245,"confidence":0.9716797,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.317950963973999},{"word":"you","start":991.245,"end":991.40497,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3935249149799347},{"word":"can","start":991.40497,"end":991.90497,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3617671728134155},{"word":"nominate","start":992.925,"end":993.425,"confidence":0.9658203,"punctuated_word":"nominate","sentiment":"positive","sentiment_score":0.3430810272693634},{"word":"your","start":993.485,"end":993.725,"confidence":0.9506836,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.3222610056400299},{"word":"legal","start":993.725,"end":994.045,"confidence":0.99902344,"punctuated_word":"legal","sentiment":"neutral","sentiment_score":0.269501656293869},{"word":"personal","start":994.045,"end":994.545,"confidence":0.9760742,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":0.21629959344863892},{"word":"representative","start":994.605,"end":995.105,"confidence":0.94506836,"punctuated_word":"representative,","sentiment":"neutral","sentiment_score":0.31622257828712463},{"word":"and","start":995.245,"end":995.40497,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.41569608449935913},{"word":"you","start":995.40497,"end":995.485,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.46226733922958374},{"word":"can","start":995.485,"end":995.64496,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4107173085212707},{"word":"do","start":995.64496,"end":995.805,"confidence":0.9980469,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.4435252249240875},{"word":"this","start":995.805,"end":995.96497,"confidence":0.9980469,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.4136669933795929},{"word":"on","start":995.96497,"end":996.045,"confidence":0.9707031,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.40436485409736633},{"word":"your","start":996.045,"end":996.285,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3886407613754273},{"word":"life","start":996.285,"end":996.44495,"confidence":1.0,"punctuated_word":"life","sentiment":"positive","sentiment_score":0.3422759771347046},{"word":"insurance","start":996.44495,"end":996.925,"confidence":1.0,"punctuated_word":"insurance","sentiment":"positive","sentiment_score":0.34701070189476013},{"word":"as","start":996.925,"end":997.165,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.39711740612983704},{"word":"well","start":997.165,"end":997.665,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.3779948353767395},{"word":"you","start":997.88495,"end":998.045,"confidence":0.99316406,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.42258593440055847},{"word":"just","start":998.045,"end":998.20496,"confidence":1.0,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.39404746890068054},{"word":"tick","start":998.20496,"end":998.44495,"confidence":0.27685547,"punctuated_word":"tick","sentiment":"positive","sentiment_score":0.4706442356109619},{"word":"the","start":998.44495,"end":998.605,"confidence":0.98828125,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4830685257911682},{"word":"lpr","start":998.605,"end":999.105,"confidence":0.97875977,"punctuated_word":"LPR","sentiment":"neutral","sentiment_score":0.3203405737876892},{"word":"box","start":999.165,"end":999.40497,"confidence":0.9182129,"punctuated_word":"box,","sentiment":"positive","sentiment_score":0.3981297016143799},{"word":"and","start":999.40497,"end":999.565,"confidence":0.94921875,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.37215882539749146},{"word":"that","start":999.565,"end":999.725,"confidence":0.9506836,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.37565168738365173},{"word":"means","start":999.725,"end":999.96497,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.3052677512168884},{"word":"a","start":999.96497,"end":1000.045,"confidence":0.9951172,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4300084710121155},{"word":"100%","start":1000.045,"end":1000.605,"confidence":1.0,"punctuated_word":"100%","sentiment":"positive","sentiment_score":0.4506128430366516},{"word":"of","start":1000.605,"end":1000.76495,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4337787330150604},{"word":"the","start":1000.76495,"end":1000.845,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4575378596782684},{"word":"benefit","start":1000.845,"end":1001.32495,"confidence":0.99902344,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.4607323706150055},{"word":"goes","start":1001.32495,"end":1001.61,"confidence":0.984375,"punctuated_word":"goes","sentiment":"positive","sentiment_score":0.5095852017402649},{"word":"straight","start":1001.61,"end":1001.85,"confidence":0.9760742,"punctuated_word":"straight","sentiment":"positive","sentiment_score":0.5016195178031921},{"word":"through","start":1001.85,"end":1002.01,"confidence":0.99902344,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.43054136633872986},{"word":"to","start":1002.01,"end":1002.08997,"confidence":0.98095703,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4609638452529907},{"word":"your","start":1002.08997,"end":1002.32996,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.38604217767715454},{"word":"will","start":1002.32996,"end":1002.64996,"confidence":0.99316406,"punctuated_word":"will.","sentiment":"positive","sentiment_score":0.39871010184288025},{"word":"and","start":1002.64996,"end":1002.89,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.3316856920719147},{"word":"then","start":1002.89,"end":1003.13,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.324476033449173},{"word":"through","start":1003.13,"end":1003.45,"confidence":0.9970703,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.3755370080471039},{"word":"your","start":1003.45,"end":1003.69,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3830476105213166},{"word":"will","start":1003.69,"end":1004.01,"confidence":0.99902344,"punctuated_word":"will,","sentiment":"positive","sentiment_score":0.3748687505722046},{"word":"you","start":1004.01,"end":1004.25,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4247554838657379},{"word":"can","start":1004.25,"end":1004.41,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.40347546339035034},{"word":"have","start":1004.41,"end":1004.64996,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3906192779541016},{"word":"things","start":1004.64996,"end":1004.97,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.3269693851470947},{"word":"like","start":1004.97,"end":1005.29,"confidence":0.9472656,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.2392384111881256},{"word":"trust","start":1005.29,"end":1005.61,"confidence":0.9580078,"punctuated_word":"trust","sentiment":"positive","sentiment_score":0.340414822101593},{"word":"set","start":1005.61,"end":1005.76996,"confidence":0.69189453,"punctuated_word":"set","sentiment":"positive","sentiment_score":0.3849017322063446},{"word":"up","start":1005.76996,"end":1005.93,"confidence":0.9970703,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.36566007137298584},{"word":"for","start":1005.93,"end":1006.17,"confidence":0.4345703,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3726937472820282},{"word":"testamentary","start":1006.17,"end":1006.67,"confidence":0.97631836,"punctuated_word":"testamentary","sentiment":"neutral","sentiment_score":0.2924778461456299},{"word":"trust","start":1006.89,"end":1007.39,"confidence":0.8339844,"punctuated_word":"trust,","sentiment":"neutral","sentiment_score":0.3202197849750519},{"word":"where","start":1008.57,"end":1008.89,"confidence":0.6977539,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.30112525820732117},{"word":"you","start":1008.89,"end":1009.37,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.32667359709739685},{"word":"allocate","start":1009.37,"end":1009.85,"confidence":1.0,"punctuated_word":"allocate","sentiment":"neutral","sentiment_score":0.3239596486091614},{"word":"what","start":1009.85,"end":1010.17,"confidence":0.9980469,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.3671737611293793},{"word":"percentage","start":1010.17,"end":1010.64996,"confidence":0.9980469,"punctuated_word":"percentage","sentiment":"neutral","sentiment_score":0.28374508023262024},{"word":"of","start":1010.64996,"end":1010.81,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2979775667190552},{"word":"your","start":1010.81,"end":1011.05,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.31229597330093384},{"word":"assets","start":1011.05,"end":1011.52997,"confidence":0.9970703,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.2814943790435791},{"word":"go","start":1011.52997,"end":1011.76996,"confidence":0.9892578,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.3609762489795685},{"word":"to","start":1011.76996,"end":1012.01,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4188841879367829},{"word":"what","start":1012.01,"end":1012.32996,"confidence":0.6503906,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.4293688237667084},{"word":"child","start":1012.32996,"end":1012.81,"confidence":0.99609375,"punctuated_word":"child,","sentiment":"positive","sentiment_score":0.4092426896095276},{"word":"how","start":1012.81,"end":1013.05,"confidence":1.0,"punctuated_word":"how","sentiment":"positive","sentiment_score":0.46276700496673584},{"word":"you","start":1013.05,"end":1013.29,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.44915881752967834},{"word":"want","start":1013.29,"end":1013.52997,"confidence":1.0,"punctuated_word":"want","sentiment":"positive","sentiment_score":0.40877145528793335},{"word":"that","start":1013.52997,"end":1013.76996,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.406592309474945},{"word":"set","start":1013.76996,"end":1014.01,"confidence":0.9614258,"punctuated_word":"set","sentiment":"positive","sentiment_score":0.3614197373390198},{"word":"up","start":1014.01,"end":1014.315,"confidence":0.9951172,"punctuated_word":"up,","sentiment":"positive","sentiment_score":0.35535478591918945},{"word":"who","start":1014.635,"end":1014.795,"confidence":0.91503906,"punctuated_word":"who","sentiment":"positive","sentiment_score":0.4151544272899628},{"word":"the","start":1014.795,"end":1015.115,"confidence":0.9892578,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3629157841205597},{"word":"guardian","start":1015.115,"end":1015.515,"confidence":0.9980469,"punctuated_word":"guardian","sentiment":"neutral","sentiment_score":0.28834760189056396},{"word":"is","start":1015.515,"end":1015.675,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3293546736240387},{"word":"that's","start":1015.675,"end":1015.995,"confidence":0.9970703,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.4244860112667084},{"word":"gonna","start":1015.995,"end":1016.235,"confidence":0.9951172,"punctuated_word":"gonna","sentiment":"positive","sentiment_score":0.432850182056427},{"word":"control","start":1016.235,"end":1016.635,"confidence":0.99902344,"punctuated_word":"control","sentiment":"neutral","sentiment_score":0.3313234746456146},{"word":"the","start":1016.635,"end":1016.795,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4025081992149353},{"word":"money","start":1016.795,"end":1017.115,"confidence":1.0,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.33624428510665894},{"word":"for","start":1017.115,"end":1017.275,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.39684125781059265},{"word":"the","start":1017.275,"end":1017.515,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4549878239631653},{"word":"kids","start":1017.515,"end":1018.015,"confidence":0.93066406,"punctuated_word":"kids.","sentiment":"positive","sentiment_score":0.3868234157562256},{"word":"it","start":1018.955,"end":1019.115,"confidence":0.64501953,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.2242983877658844},{"word":"it","start":1019.115,"end":1019.275,"confidence":0.8173828,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2082047462463379},{"word":"sort","start":1019.275,"end":1019.675,"confidence":0.44091797,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1789158284664154},{"word":"of","start":1019.675,"end":1019.755,"confidence":0.96777344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3124876022338867},{"word":"just","start":1019.755,"end":1019.835,"confidence":0.55126953,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.232037290930748},{"word":"comes","start":1019.835,"end":1020.075,"confidence":0.9941406,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.2878350019454956},{"word":"down","start":1020.075,"end":1020.315,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.2683805525302887},{"word":"to","start":1020.315,"end":1020.475,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3012648820877075},{"word":"what","start":1020.475,"end":1020.975,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.3023550808429718},{"word":"what","start":1021.035,"end":1021.195,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.17138579487800598},{"word":"your","start":1021.195,"end":1021.435,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0961778312921524},{"word":"relationship","start":1021.435,"end":1021.935,"confidence":1.0,"punctuated_word":"relationship","sentiment":"neutral","sentiment_score":0.1206328272819519},{"word":"is","start":1022.075,"end":1022.315,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07068723440170288},{"word":"and","start":1022.315,"end":1022.555,"confidence":0.8935547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14548823237419128},{"word":"how","start":1022.555,"end":1022.795,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.1252307891845703},{"word":"you","start":1022.795,"end":1022.955,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17164260149002075},{"word":"think","start":1022.955,"end":1023.275,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.05995495617389679},{"word":"she","start":1023.275,"end":1023.435,"confidence":0.9951172,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.17944084107875824},{"word":"would","start":1023.435,"end":1023.675,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.15949934720993042},{"word":"handle","start":1023.675,"end":1023.995,"confidence":1.0,"punctuated_word":"handle","sentiment":"neutral","sentiment_score":0.08277666568756104},{"word":"the","start":1023.995,"end":1024.155,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13409286737442017},{"word":"money","start":1024.155,"end":1024.395,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.11267741024494173},{"word":"and","start":1024.395,"end":1024.635,"confidence":0.84765625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.25463220477104187},{"word":"whether","start":1024.635,"end":1024.875,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.24711817502975464},{"word":"the","start":1024.875,"end":1024.955,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23473431169986725},{"word":"kids","start":1024.955,"end":1025.275,"confidence":0.99902344,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":0.23923902213573456},{"word":"would","start":1025.275,"end":1025.755,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.3054933249950409},{"word":"get","start":1025.755,"end":1025.995,"confidence":0.9482422,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.27516376972198486},{"word":"the","start":1025.995,"end":1026.155,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19189615547657013},{"word":"benefit","start":1026.155,"end":1026.635,"confidence":1.0,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.24608114361763},{"word":"or","start":1026.635,"end":1026.795,"confidence":0.9580078,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.3078308701515198},{"word":"whether","start":1026.795,"end":1027.035,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.2785826027393341},{"word":"you","start":1027.035,"end":1027.195,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.36378014087677},{"word":"want","start":1027.195,"end":1027.435,"confidence":0.9873047,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.3086111545562744},{"word":"a","start":1027.435,"end":1027.515,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.36139267683029175},{"word":"lot","start":1027.515,"end":1027.675,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.2801583409309387},{"word":"more","start":1027.675,"end":1027.915,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.17181286215782166},{"word":"control","start":1027.915,"end":1028.415,"confidence":1.0,"punctuated_word":"control","sentiment":"neutral","sentiment_score":0.08039173483848572},{"word":"around","start":1028.475,"end":1028.975,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.22023287415504456},{"word":"how","start":1029.56,"end":1029.88,"confidence":0.9980469,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.15318934619426727},{"word":"the","start":1029.88,"end":1029.96,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.166717067360878},{"word":"money","start":1029.96,"end":1030.28,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.12018272280693054},{"word":"is","start":1030.28,"end":1030.44,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12166839838027954},{"word":"paid","start":1030.44,"end":1030.68,"confidence":0.9941406,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.10312193632125854},{"word":"to","start":1030.68,"end":1030.84,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1936359852552414},{"word":"the","start":1030.84,"end":1030.92,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1775362342596054},{"word":"kids","start":1030.92,"end":1031.24,"confidence":0.9904785,"punctuated_word":"kids.","sentiment":"neutral","sentiment_score":0.17813599109649658},{"word":"i","start":1031.24,"end":1031.4,"confidence":0.98095703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.001958325505256653},{"word":"know","start":1031.4,"end":1031.72,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.06099628657102585},{"word":"to","start":1031.72,"end":1031.96,"confidence":0.4182129,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.025836750864982605},{"word":"give","start":1031.96,"end":1032.12,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.006004005670547485},{"word":"you","start":1032.12,"end":1032.2,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.024541497230529785},{"word":"a","start":1032.2,"end":1032.28,"confidence":0.8510742,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.022746145725250244},{"word":"bit","start":1032.28,"end":1032.44,"confidence":0.9892578,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.07634264975786209},{"word":"of","start":1032.44,"end":1032.52,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03110221028327942},{"word":"context","start":1032.52,"end":1032.92,"confidence":0.99121094,"punctuated_word":"context","sentiment":"neutral","sentiment_score":-0.01658625155687332},{"word":"in","start":1032.92,"end":1033.16,"confidence":0.65283203,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.010902412235736849},{"word":"my","start":1033.16,"end":1033.48,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.07363449782133102},{"word":"circumstances","start":1033.48,"end":1033.98,"confidence":0.9724121,"punctuated_word":"circumstances,","sentiment":"neutral","sentiment_score":-0.05560489371418953},{"word":"i","start":1034.76,"end":1034.84,"confidence":0.9135742,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0749383419752121},{"word":"have","start":1034.84,"end":1035.08,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.13727714121341705},{"word":"an","start":1035.08,"end":1035.24,"confidence":0.99121094,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.19354084134101868},{"word":"ex","start":1035.24,"end":1035.4,"confidence":0.9951172,"punctuated_word":"ex","sentiment":"negative","sentiment_score":-0.3677675127983093},{"word":"husband","start":1035.4,"end":1035.88,"confidence":0.8613281,"punctuated_word":"husband,","sentiment":"neutral","sentiment_score":-0.13121956586837769},{"word":"and","start":1035.88,"end":1036.04,"confidence":0.9863281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07719980180263519},{"word":"i","start":1036.04,"end":1036.2,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08113550394773483},{"word":"had","start":1036.2,"end":1036.44,"confidence":0.9536133,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.10671387612819672},{"word":"two","start":1036.44,"end":1036.6,"confidence":0.99902344,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.11103401333093645},{"word":"kids","start":1036.6,"end":1036.92,"confidence":1.0,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":-0.07457833737134933},{"word":"to","start":1036.92,"end":1037.0,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0823339968919754},{"word":"him","start":1037.0,"end":1037.32,"confidence":0.9970703,"punctuated_word":"him.","sentiment":"neutral","sentiment_score":-0.08466050773859024},{"word":"so","start":1037.32,"end":1037.56,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.032369352877140045},{"word":"when","start":1037.56,"end":1037.96,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.07910491526126862},{"word":"we","start":1037.96,"end":1038.28,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.11915265768766405},{"word":"split","start":1038.28,"end":1038.52,"confidence":0.9921875,"punctuated_word":"split","sentiment":"neutral","sentiment_score":-0.14586281776428223},{"word":"up","start":1038.52,"end":1038.84,"confidence":0.99902344,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":-0.13587167859077454},{"word":"i","start":1038.84,"end":1039.0,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12201423197984695},{"word":"got","start":1039.0,"end":1039.24,"confidence":0.9902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.17980711162090302},{"word":"remarried","start":1039.24,"end":1039.72,"confidence":0.9713542,"punctuated_word":"remarried","sentiment":"neutral","sentiment_score":-0.1671958863735199},{"word":"and","start":1039.72,"end":1039.88,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07305265218019485},{"word":"had","start":1039.88,"end":1040.12,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.1158098578453064},{"word":"a","start":1040.12,"end":1040.28,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10034742951393127},{"word":"third","start":1040.28,"end":1040.52,"confidence":0.9921875,"punctuated_word":"third","sentiment":"neutral","sentiment_score":-0.06713354587554932},{"word":"child","start":1040.52,"end":1041.02,"confidence":0.7648926,"punctuated_word":"child,","sentiment":"neutral","sentiment_score":-0.03012063354253769},{"word":"but","start":1041.355,"end":1041.595,"confidence":0.9863281,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.047947630286216736},{"word":"my","start":1041.595,"end":1041.6749,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.31179091334342957},{"word":"ex","start":1041.6749,"end":1041.835,"confidence":0.9970703,"punctuated_word":"ex","sentiment":"negative","sentiment_score":-0.5629463791847229},{"word":"husband's","start":1041.835,"end":1042.315,"confidence":0.8835449,"punctuated_word":"husband's","sentiment":"negative","sentiment_score":-0.3897711932659149},{"word":"terrible","start":1042.315,"end":1042.715,"confidence":0.9970703,"punctuated_word":"terrible","sentiment":"negative","sentiment_score":-0.5985233187675476},{"word":"with","start":1042.715,"end":1042.875,"confidence":0.9941406,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.6390979290008545},{"word":"money","start":1042.875,"end":1043.2749,"confidence":0.8857422,"punctuated_word":"money,","sentiment":"negative","sentiment_score":-0.4727546274662018},{"word":"and","start":1043.2749,"end":1043.4349,"confidence":1.0,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.3898352980613709},{"word":"he","start":1043.4349,"end":1043.595,"confidence":0.81933594,"punctuated_word":"he","sentiment":"negative","sentiment_score":-0.5934044718742371},{"word":"was","start":1043.595,"end":1043.755,"confidence":1.0,"punctuated_word":"was","sentiment":"negative","sentiment_score":-0.5936443209648132},{"word":"horrible","start":1043.755,"end":1044.235,"confidence":1.0,"punctuated_word":"horrible","sentiment":"negative","sentiment_score":-0.7235744595527649},{"word":"to","start":1044.235,"end":1044.315,"confidence":0.96240234,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.6453890800476074},{"word":"have","start":1044.315,"end":1044.475,"confidence":0.45825195,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.6827770471572876},{"word":"to","start":1044.475,"end":1044.6349,"confidence":0.92822266,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.6335645914077759},{"word":"deal","start":1044.6349,"end":1044.875,"confidence":1.0,"punctuated_word":"deal","sentiment":"negative","sentiment_score":-0.6661133170127869},{"word":"with","start":1044.875,"end":1045.195,"confidence":0.99609375,"punctuated_word":"with.","sentiment":"negative","sentiment_score":-0.5469532608985901},{"word":"so","start":1045.195,"end":1045.4349,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.05918384343385696},{"word":"i","start":1045.4349,"end":1045.6749,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03694991767406464},{"word":"essentially","start":1045.6749,"end":1046.1549,"confidence":0.97509766,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.006292060017585754},{"word":"set","start":1046.1549,"end":1046.475,"confidence":0.9980469,"punctuated_word":"set","sentiment":"neutral","sentiment_score":-0.003224194049835205},{"word":"up","start":1046.475,"end":1046.6349,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.07020381093025208},{"word":"my","start":1046.6349,"end":1046.875,"confidence":0.9980469,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.10137169063091278},{"word":"will","start":1046.875,"end":1047.355,"confidence":0.9458008,"punctuated_word":"will,","sentiment":"neutral","sentiment_score":0.08936828374862671},{"word":"and","start":1047.355,"end":1047.595,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2384575307369232},{"word":"i","start":1047.595,"end":1047.6749,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.24007833003997803},{"word":"had","start":1047.6749,"end":1047.9149,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.2748003602027893},{"word":"to","start":1047.9149,"end":1048.075,"confidence":0.75146484,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.25111186504364014},{"word":"trust","start":1048.075,"end":1048.3949,"confidence":0.98535156,"punctuated_word":"trust","sentiment":"neutral","sentiment_score":0.1467592418193817},{"word":"it","start":1048.3949,"end":1048.5549,"confidence":0.73876953,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.25733280181884766},{"word":"up","start":1048.5549,"end":1048.715,"confidence":0.98535156,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.22290025651454928},{"word":"through","start":1048.715,"end":1049.0349,"confidence":0.99316406,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.16300947964191437},{"word":"my","start":1049.0349,"end":1049.195,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.1911899745464325},{"word":"will","start":1049.195,"end":1049.6749,"confidence":0.78759766,"punctuated_word":"will.","sentiment":"neutral","sentiment_score":0.17624744772911072},{"word":"that","start":1049.6749,"end":1049.9149,"confidence":0.96533203,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.245186910033226},{"word":"meant","start":1049.9149,"end":1050.235,"confidence":1.0,"punctuated_word":"meant","sentiment":"neutral","sentiment_score":0.2570168077945709},{"word":"that","start":1050.235,"end":1050.475,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3033308982849121},{"word":"my","start":1050.475,"end":1050.6349,"confidence":0.99902344,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.40315404534339905},{"word":"sister","start":1050.6349,"end":1051.0349,"confidence":0.9980469,"punctuated_word":"sister","sentiment":"neutral","sentiment_score":0.17645061016082764},{"word":"and","start":1051.0349,"end":1051.2749,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2429165542125702},{"word":"my","start":1051.2749,"end":1051.595,"confidence":1.0,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.3511086404323578},{"word":"new","start":1051.595,"end":1051.755,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.20201553404331207},{"word":"husband's","start":1051.755,"end":1052.255,"confidence":0.9855957,"punctuated_word":"husband's","sentiment":"neutral","sentiment_score":0.18860328197479248},{"word":"sister","start":1052.315,"end":1052.7949,"confidence":0.99121094,"punctuated_word":"sister","sentiment":"neutral","sentiment_score":0.06190122663974762},{"word":"had","start":1052.7949,"end":1053.0349,"confidence":0.9970703,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.285447895526886},{"word":"control","start":1053.0349,"end":1053.355,"confidence":0.8984375,"punctuated_word":"control","sentiment":"neutral","sentiment_score":0.0723842978477478},{"word":"of","start":1053.355,"end":1053.5149,"confidence":0.9560547,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1926647275686264},{"word":"the","start":1053.5149,"end":1053.595,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15812760591506958},{"word":"funds","start":1053.595,"end":1053.9149,"confidence":0.99316406,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.1449958086013794},{"word":"and","start":1053.9149,"end":1054.075,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2633814811706543},{"word":"had","start":1054.075,"end":1054.235,"confidence":0.9921875,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.3489444851875305},{"word":"to","start":1054.235,"end":1054.56,"confidence":0.97509766,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.33739417791366577},{"word":"rejoin","start":1054.7201,"end":1055.2201,"confidence":0.6188965,"punctuated_word":"rejoin","sentiment":"neutral","sentiment_score":0.17971818149089813},{"word":"signatories","start":1055.28,"end":1055.78,"confidence":0.9602051,"punctuated_word":"signatories","sentiment":"neutral","sentiment_score":0.18985168635845184},{"word":"so","start":1056.4801,"end":1056.7201,"confidence":0.90283203,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2534182667732239},{"word":"that","start":1056.7201,"end":1057.04,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.32881960272789},{"word":"he","start":1057.04,"end":1057.28,"confidence":0.9790039,"punctuated_word":"he","sentiment":"positive","sentiment_score":0.3785623908042908},{"word":"had","start":1057.28,"end":1057.52,"confidence":1.0,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.3493746519088745},{"word":"to","start":1057.52,"end":1057.76,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.32846125960350037},{"word":"prove","start":1057.76,"end":1058.0801,"confidence":0.9970703,"punctuated_word":"prove","sentiment":"neutral","sentiment_score":0.1749778389930725},{"word":"to","start":1058.0801,"end":1058.2401,"confidence":0.98535156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.29077109694480896},{"word":"them","start":1058.2401,"end":1058.4801,"confidence":0.8959961,"punctuated_word":"them","sentiment":"positive","sentiment_score":0.3448180556297302},{"word":"that","start":1058.4801,"end":1058.64,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3119390606880188},{"word":"the","start":1058.64,"end":1058.7201,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29449912905693054},{"word":"money","start":1058.7201,"end":1059.1201,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.24558505415916443},{"word":"was","start":1059.1201,"end":1059.28,"confidence":1.0,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.3648399710655213},{"word":"used","start":1059.28,"end":1059.68,"confidence":1.0,"punctuated_word":"used","sentiment":"neutral","sentiment_score":0.3118722140789032},{"word":"for","start":1059.68,"end":1060.0801,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.310037225484848},{"word":"our","start":1060.0801,"end":1060.3201,"confidence":0.99902344,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.29497969150543213},{"word":"children","start":1060.3201,"end":1060.8201,"confidence":1.0,"punctuated_word":"children","sentiment":"neutral","sentiment_score":0.3115052580833435},{"word":"and","start":1061.2001,"end":1061.4401,"confidence":0.984375,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.38950276374816895},{"word":"for","start":1061.4401,"end":1061.68,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2861335575580597},{"word":"their","start":1061.68,"end":1061.92,"confidence":0.99609375,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.2751365602016449},{"word":"schooling","start":1061.92,"end":1062.4,"confidence":0.99902344,"punctuated_word":"schooling","sentiment":"neutral","sentiment_score":0.10194706171751022},{"word":"costs","start":1062.4,"end":1062.7201,"confidence":0.82177734,"punctuated_word":"costs","sentiment":"neutral","sentiment_score":0.2049008309841156},{"word":"and","start":1062.7201,"end":1062.88,"confidence":0.9892578,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.38825127482414246},{"word":"things","start":1062.88,"end":1063.2001,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.24196098744869232},{"word":"like","start":1063.2001,"end":1063.4401,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.18733349442481995},{"word":"that","start":1063.4401,"end":1063.9401,"confidence":0.9523926,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.31648722290992737},{"word":"and","start":1064.0,"end":1064.16,"confidence":0.99902344,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.4438907206058502},{"word":"that","start":1064.16,"end":1064.4,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4200807213783264},{"word":"just","start":1064.4,"end":1064.64,"confidence":0.99609375,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.4665159583091736},{"word":"gave","start":1064.64,"end":1064.88,"confidence":0.99902344,"punctuated_word":"gave","sentiment":"positive","sentiment_score":0.40845364332199097},{"word":"me","start":1064.88,"end":1065.04,"confidence":1.0,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.5215739011764526},{"word":"a","start":1065.04,"end":1065.1201,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5034906268119812},{"word":"lot","start":1065.1201,"end":1065.3601,"confidence":1.0,"punctuated_word":"lot","sentiment":"positive","sentiment_score":0.5305180549621582},{"word":"more","start":1065.3601,"end":1065.6001,"confidence":1.0,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.4348410665988922},{"word":"control","start":1065.6001,"end":1066.0,"confidence":1.0,"punctuated_word":"control","sentiment":"neutral","sentiment_score":0.1860681474208832},{"word":"and","start":1066.0,"end":1066.2401,"confidence":0.9819336,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4691026210784912},{"word":"certainty","start":1066.2401,"end":1066.7201,"confidence":0.9892578,"punctuated_word":"certainty","sentiment":"positive","sentiment_score":0.37340694665908813},{"word":"that","start":1066.7201,"end":1066.9601,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5371339321136475},{"word":"the","start":1066.9601,"end":1067.1201,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.49927574396133423},{"word":"money","start":1067.1201,"end":1067.4401,"confidence":1.0,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.3616795539855957},{"word":"would","start":1067.4401,"end":1067.6001,"confidence":1.0,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.5105328559875488},{"word":"be","start":1067.6001,"end":1067.8401,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.5297524929046631},{"word":"held","start":1067.8401,"end":1068.2401,"confidence":1.0,"punctuated_word":"held","sentiment":"positive","sentiment_score":0.34789299964904785},{"word":"for","start":1068.2401,"end":1068.56,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.34922295808792114},{"word":"my","start":1068.56,"end":1068.7201,"confidence":0.99902344,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.4734267294406891},{"word":"children","start":1068.7201,"end":1069.2201,"confidence":1.0,"punctuated_word":"children","sentiment":"positive","sentiment_score":0.3675946593284607},{"word":"in","start":1069.645,"end":1069.8049,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4146427810192108},{"word":"the","start":1069.8049,"end":1069.885,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.42170780897140503},{"word":"event","start":1069.885,"end":1070.285,"confidence":0.99902344,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.23193010687828064},{"word":"of","start":1070.285,"end":1070.445,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.24922050535678864},{"word":"me","start":1070.445,"end":1070.765,"confidence":0.9951172,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1952785551548004},{"word":"passing","start":1070.765,"end":1071.245,"confidence":1.0,"punctuated_word":"passing","sentiment":"neutral","sentiment_score":0.12148287892341614},{"word":"away","start":1071.245,"end":1071.745,"confidence":0.98583984,"punctuated_word":"away.","sentiment":"neutral","sentiment_score":0.22990906238555908},{"word":"so","start":1072.205,"end":1072.445,"confidence":0.74560547,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4066326916217804},{"word":"you","start":1072.445,"end":1072.6849,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5325700044631958},{"word":"can","start":1072.6849,"end":1073.005,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4776195883750915},{"word":"have","start":1073.005,"end":1073.245,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4407585859298706},{"word":"a","start":1073.245,"end":1073.325,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5050464868545532},{"word":"lot","start":1073.325,"end":1073.565,"confidence":1.0,"punctuated_word":"lot","sentiment":"positive","sentiment_score":0.55605149269104},{"word":"more","start":1073.565,"end":1073.725,"confidence":0.9970703,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.48317426443099976},{"word":"control","start":1073.725,"end":1074.125,"confidence":0.99902344,"punctuated_word":"control","sentiment":"neutral","sentiment_score":0.2727079391479492},{"word":"with","start":1074.125,"end":1074.365,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.6325230598449707},{"word":"a","start":1074.365,"end":1074.445,"confidence":0.7973633,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5519311428070068},{"word":"will","start":1074.445,"end":1074.765,"confidence":0.95947266,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.5293554663658142},{"word":"around","start":1074.765,"end":1075.245,"confidence":0.99902344,"punctuated_word":"around","sentiment":"positive","sentiment_score":0.6691140532493591},{"word":"that","start":1075.245,"end":1075.565,"confidence":0.9790039,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4477498531341553},{"word":"sort","start":1075.565,"end":1075.8049,"confidence":0.9980469,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.28056615591049194},{"word":"of","start":1075.8049,"end":1075.885,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.43011239171028137},{"word":"thing","start":1075.885,"end":1076.385,"confidence":0.90478516,"punctuated_word":"thing,","sentiment":"positive","sentiment_score":0.4469013214111328},{"word":"and","start":1076.6849,"end":1076.845,"confidence":0.9902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.41716060042381287},{"word":"that's","start":1076.845,"end":1077.085,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.4116855263710022},{"word":"really","start":1077.085,"end":1077.405,"confidence":0.99902344,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.3764633536338806},{"word":"important","start":1077.405,"end":1077.8049,"confidence":1.0,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.14357352256774902},{"word":"to","start":1077.8049,"end":1077.885,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24939429759979248},{"word":"think","start":1077.885,"end":1078.125,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.2184636890888214},{"word":"about","start":1078.125,"end":1078.445,"confidence":0.9941406,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.24064038693904877},{"word":"as","start":1078.445,"end":1078.605,"confidence":0.99609375,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3989240527153015},{"word":"well","start":1078.605,"end":1079.105,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.3093011677265167},{"word":"yeah","start":1079.485,"end":1079.985,"confidence":0.845459,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11441750824451448},{"word":"yeah","start":1081.485,"end":1081.985,"confidence":0.98217773,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1122451350092888},{"word":"it's","start":1082.765,"end":1083.265,"confidence":0.6534424,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.028592009097337723},{"word":"it's","start":1083.42,"end":1083.5801,"confidence":0.8601074,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.09861162304878236},{"word":"a","start":1083.5801,"end":1083.6201,"confidence":0.96435547,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15130053460597992},{"word":"hard","start":1083.6201,"end":1083.66,"confidence":0.72021484,"punctuated_word":"hard","sentiment":"neutral","sentiment_score":-0.30419209599494934},{"word":"it's","start":1083.66,"end":1083.7,"confidence":0.77783203,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.27308183908462524},{"word":"a","start":1083.7,"end":1083.74,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.275968998670578},{"word":"hard","start":1083.74,"end":1083.9,"confidence":1.0,"punctuated_word":"hard","sentiment":"negative","sentiment_score":-0.3368893265724182},{"word":"conversation","start":1083.9,"end":1084.4,"confidence":0.99902344,"punctuated_word":"conversation","sentiment":"negative","sentiment_score":-0.3854482173919678},{"word":"to","start":1084.4601,"end":1084.62,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2826583683490753},{"word":"have","start":1084.62,"end":1084.78,"confidence":0.9909668,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":-0.23064102232456207},{"word":"but","start":1084.78,"end":1085.02,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.07980620115995407},{"word":"it's","start":1085.02,"end":1085.18,"confidence":0.99072266,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.0054629347287118435},{"word":"definitely","start":1085.18,"end":1085.5,"confidence":0.9970703,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.09636804461479188},{"word":"one","start":1085.5,"end":1085.66,"confidence":0.9838867,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.06809797883033752},{"word":"to","start":1085.66,"end":1085.8201,"confidence":0.97314453,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0069036781787872314},{"word":"sort","start":1085.8201,"end":1086.06,"confidence":0.9863281,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.03358650207519531},{"word":"of","start":1086.06,"end":1086.2201,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.056793227791786194},{"word":"think","start":1086.2201,"end":1086.54,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.0318930447101593},{"word":"about","start":1086.54,"end":1086.86,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0835036039352417},{"word":"and","start":1086.86,"end":1087.18,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.028392896056175232},{"word":"understand","start":1087.18,"end":1087.66,"confidence":0.8354492,"punctuated_word":"understand.","sentiment":"neutral","sentiment_score":-0.11463066190481186},{"word":"and","start":1087.66,"end":1088.16,"confidence":0.99316406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.039028771221637726},{"word":"it","start":1088.3,"end":1088.54,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.023670442402362823},{"word":"also","start":1088.54,"end":1088.86,"confidence":0.5395508,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.013956211507320404},{"word":"comes","start":1088.86,"end":1089.1001,"confidence":0.99902344,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":-0.01650889590382576},{"word":"down","start":1089.1001,"end":1089.26,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.0010522454977035522},{"word":"to","start":1089.26,"end":1089.42,"confidence":0.9885254,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":-0.010086722671985626},{"word":"you","start":1089.42,"end":1089.5,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0439411960542202},{"word":"know","start":1089.5,"end":1089.9,"confidence":0.99853516,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.021521028131246567},{"word":"what's","start":1089.9,"end":1090.2201,"confidence":0.99316406,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.04652261734008789},{"word":"the","start":1090.2201,"end":1090.3,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04548278823494911},{"word":"relationship","start":1090.3,"end":1090.8,"confidence":1.0,"punctuated_word":"relationship","sentiment":"neutral","sentiment_score":-0.04340595752000809},{"word":"between","start":1090.86,"end":1091.18,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.023646831512451172},{"word":"you","start":1091.18,"end":1091.3401,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00016911327838897705},{"word":"and","start":1091.3401,"end":1091.5801,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.011592045426368712},{"word":"emily","start":1091.5801,"end":1091.9801,"confidence":0.9921875,"punctuated_word":"Emily","sentiment":"neutral","sentiment_score":-0.04678308963775635},{"word":"like","start":1091.9801,"end":1092.38,"confidence":0.6668701,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.006219591945409775},{"word":"and","start":1092.38,"end":1092.54,"confidence":0.6328125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.01731129363179207},{"word":"what","start":1092.54,"end":1092.78,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.06763534247875214},{"word":"do","start":1092.78,"end":1092.9401,"confidence":0.9819336,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.06142471730709076},{"word":"you","start":1092.9401,"end":1093.02,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.012775063514709473},{"word":"think","start":1093.02,"end":1093.3401,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.0696636438369751},{"word":"she's","start":1093.3401,"end":1093.5,"confidence":0.98217773,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":-0.05297147482633591},{"word":"likely","start":1093.5,"end":1093.9,"confidence":0.99902344,"punctuated_word":"likely","sentiment":"neutral","sentiment_score":-0.0535474494099617},{"word":"to","start":1093.9,"end":1094.06,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06648153066635132},{"word":"do","start":1094.06,"end":1094.2201,"confidence":0.7854004,"punctuated_word":"do?","sentiment":"neutral","sentiment_score":-0.05823950469493866},{"word":"is","start":1094.2201,"end":1094.38,"confidence":0.9658203,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.11674927920103072},{"word":"she","start":1094.38,"end":1094.54,"confidence":0.99902344,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.09451312571763992},{"word":"likely","start":1094.54,"end":1095.04,"confidence":0.8310547,"punctuated_word":"likely","sentiment":"neutral","sentiment_score":-0.11151385307312012},{"word":"to","start":1095.26,"end":1095.3401,"confidence":0.8701172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09454332292079926},{"word":"do","start":1095.3401,"end":1095.42,"confidence":0.9951172,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.12316711246967316},{"word":"the","start":1095.42,"end":1095.5801,"confidence":0.5371094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07959571480751038},{"word":"right","start":1095.5801,"end":1095.825,"confidence":0.9873047,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.05188895761966705},{"word":"thing","start":1095.825,"end":1096.1449,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.08864536881446838},{"word":"or","start":1096.1449,"end":1096.3049,"confidence":0.692749,"punctuated_word":"or,","sentiment":"neutral","sentiment_score":-0.08589582145214081},{"word":"you","start":1096.3049,"end":1096.5049,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10445792973041534},{"word":"know","start":1096.5049,"end":1096.705,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.08234985917806625},{"word":"how","start":1096.705,"end":1096.945,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.09625787287950516},{"word":"how","start":1096.945,"end":1097.105,"confidence":0.77441406,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.10351308435201644},{"word":"does","start":1097.105,"end":1097.345,"confidence":0.9902344,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.10911689698696136},{"word":"she","start":1097.345,"end":1097.505,"confidence":0.99902344,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.06779924035072327},{"word":"handle","start":1097.505,"end":1097.745,"confidence":1.0,"punctuated_word":"handle","sentiment":"neutral","sentiment_score":-0.17409908771514893},{"word":"money","start":1097.745,"end":1098.065,"confidence":0.99902344,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.163767009973526},{"word":"and","start":1098.065,"end":1098.225,"confidence":0.5571289,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.10896380245685576},{"word":"just","start":1098.225,"end":1098.465,"confidence":0.9526367,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1230570152401924},{"word":"sort","start":1098.465,"end":1098.5449,"confidence":0.984375,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.11845897138118744},{"word":"of","start":1098.5449,"end":1098.625,"confidence":0.92333984,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1123364046216011},{"word":"having","start":1098.625,"end":1098.945,"confidence":0.9951172,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.17464177310466766},{"word":"us","start":1098.945,"end":1099.105,"confidence":0.38964844,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.14389395713806152},{"word":"think","start":1099.105,"end":1099.2649,"confidence":0.9951172,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.1523909717798233},{"word":"about","start":1099.2649,"end":1099.585,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.1894116848707199},{"word":"what","start":1099.585,"end":1099.745,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.21946926414966583},{"word":"you","start":1099.745,"end":1099.9049,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.19710782170295715},{"word":"want","start":1099.9049,"end":1100.1449,"confidence":0.99609375,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.20034275949001312},{"word":"to","start":1100.1449,"end":1100.225,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1570434868335724},{"word":"happen","start":1100.225,"end":1100.725,"confidence":0.8720703,"punctuated_word":"happen?","sentiment":"neutral","sentiment_score":-0.08078111708164215},{"word":"no","start":1105.585,"end":1106.085,"confidence":0.88256836,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09008676558732986},{"word":"yeah","start":1107.0249,"end":1107.5249,"confidence":0.99658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.031121671199798584},{"word":"beautiful","start":1110.74,"end":1111.24,"confidence":0.9951172,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4889186024665833},{"word":"beautiful","start":1115.46,"end":1115.96,"confidence":0.9875488,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6175156831741333},{"word":"beautiful","start":1116.66,"end":1117.16,"confidence":0.9790039,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.666082501411438},{"word":"excellent","start":1119.3,"end":1119.8,"confidence":0.9746094,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.5787582993507385},{"word":"the","start":1119.9401,"end":1120.1,"confidence":0.9951172,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.29323461651802063},{"word":"right","start":1120.1,"end":1120.26,"confidence":0.99121094,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.23903888463974},{"word":"thing","start":1120.26,"end":1120.76,"confidence":0.9975586,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.24595287442207336},{"word":"yeah","start":1121.085,"end":1121.585,"confidence":0.83691406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2676905393600464},{"word":"perfect","start":1121.8049,"end":1122.205,"confidence":0.9970703,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.575955331325531},{"word":"perfect","start":1122.205,"end":1122.705,"confidence":0.9995117,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5163055062294006},{"word":"so","start":1122.9249,"end":1123.085,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16115346550941467},{"word":"what","start":1123.085,"end":1123.325,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.12692143023014069},{"word":"i","start":1123.325,"end":1123.405,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07095225900411606},{"word":"would","start":1123.405,"end":1123.645,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.09539617598056792},{"word":"probably","start":1123.645,"end":1123.965,"confidence":0.9970703,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.1061113253235817},{"word":"also","start":1123.965,"end":1124.205,"confidence":0.98828125,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.0678652971982956},{"word":"maybe","start":1124.205,"end":1124.525,"confidence":0.9526367,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.06076884642243385},{"word":"make","start":1124.525,"end":1124.845,"confidence":0.91748047,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.05077590420842171},{"word":"mention","start":1124.845,"end":1125.345,"confidence":0.9760742,"punctuated_word":"mention","sentiment":"neutral","sentiment_score":0.07433898746967316},{"word":"of","start":1125.405,"end":1125.725,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09834768623113632},{"word":"is","start":1125.725,"end":1126.125,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08074606955051422},{"word":"just","start":1126.125,"end":1126.365,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11906759440898897},{"word":"sort","start":1126.365,"end":1126.525,"confidence":0.92578125,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.08807940036058426},{"word":"of","start":1126.525,"end":1126.6849,"confidence":0.7397461,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08303502202033997},{"word":"keeping","start":1126.6849,"end":1127.085,"confidence":0.99902344,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.08170220255851746},{"word":"something","start":1127.085,"end":1127.485,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.08815386891365051},{"word":"somewhere","start":1127.485,"end":1127.8049,"confidence":0.7236328,"punctuated_word":"somewhere.","sentiment":"neutral","sentiment_score":0.06564223766326904},{"word":"because","start":1127.8049,"end":1128.0449,"confidence":0.9970703,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.013202384114265442},{"word":"if","start":1128.0449,"end":1128.205,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0015264376997947693},{"word":"you","start":1128.205,"end":1128.365,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.010759882628917694},{"word":"were","start":1128.365,"end":1128.525,"confidence":0.9951172,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.026652462780475616},{"word":"to","start":1128.525,"end":1128.6849,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02362056076526642},{"word":"pass","start":1128.6849,"end":1128.9249,"confidence":0.99902344,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":-0.10949281603097916},{"word":"away","start":1128.9249,"end":1129.4249,"confidence":0.99902344,"punctuated_word":"away,","sentiment":"neutral","sentiment_score":-0.01900337263941765},{"word":"let","start":1129.965,"end":1130.2849,"confidence":0.9980469,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.009692534804344176},{"word":"our","start":1130.2849,"end":1130.445,"confidence":0.61816406,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.06797940284013748},{"word":"let","start":1130.605,"end":1130.765,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.0671100839972496},{"word":"your","start":1130.765,"end":1131.005,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.053770773112773895},{"word":"oldest","start":1131.005,"end":1131.405,"confidence":0.9614258,"punctuated_word":"oldest","sentiment":"neutral","sentiment_score":0.047716088593006134},{"word":"child","start":1131.405,"end":1131.725,"confidence":1.0,"punctuated_word":"child","sentiment":"neutral","sentiment_score":0.059729717671871185},{"word":"know","start":1131.725,"end":1132.0449,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.11488038301467896},{"word":"that","start":1132.0449,"end":1132.205,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09948976337909698},{"word":"we","start":1132.205,"end":1132.365,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11193253844976424},{"word":"are","start":1132.365,"end":1132.525,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.10428448021411896},{"word":"your","start":1132.525,"end":1132.765,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11749426275491714},{"word":"financial","start":1132.765,"end":1133.265,"confidence":1.0,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.06777902692556381},{"word":"advisers","start":1133.325,"end":1133.825,"confidence":0.890625,"punctuated_word":"advisers","sentiment":"neutral","sentiment_score":0.06330680102109909},{"word":"and","start":1133.885,"end":1134.0449,"confidence":0.6977539,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1198912262916565},{"word":"that","start":1134.0449,"end":1134.205,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1330738067626953},{"word":"in","start":1134.205,"end":1134.445,"confidence":0.9941406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0920196920633316},{"word":"the","start":1134.445,"end":1134.605,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.115863598883152},{"word":"event","start":1134.605,"end":1135.085,"confidence":0.99902344,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.06387294083833694},{"word":"of","start":1135.085,"end":1135.245,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07620853930711746},{"word":"a","start":1135.245,"end":1135.405,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0942126363515854},{"word":"claim","start":1135.405,"end":1135.8049,"confidence":1.0,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.04158976674079895},{"word":"occurring","start":1135.8049,"end":1136.3049,"confidence":0.94262695,"punctuated_word":"occurring,","sentiment":"neutral","sentiment_score":0.073048435151577},{"word":"that","start":1137.1399,"end":1137.2999,"confidence":0.93847656,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11759037524461746},{"word":"they","start":1137.2999,"end":1137.62,"confidence":0.9951172,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.10495596379041672},{"word":"just","start":1137.62,"end":1137.86,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12772229313850403},{"word":"need","start":1137.86,"end":1138.0199,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.09142124652862547},{"word":"to","start":1138.0199,"end":1138.1799,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07004152238368988},{"word":"call","start":1138.1799,"end":1138.5,"confidence":0.99902344,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.07966335117816925},{"word":"us","start":1138.5,"end":1138.74,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.10601181536912918},{"word":"and","start":1138.74,"end":1138.98,"confidence":0.55078125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12859466671943665},{"word":"we","start":1138.98,"end":1139.22,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14200890064239502},{"word":"help","start":1139.22,"end":1139.5399,"confidence":0.99902344,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.15210503339767456},{"word":"with","start":1139.5399,"end":1139.7,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2148246169090271},{"word":"the","start":1139.7,"end":1139.86,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1443357616662979},{"word":"claim","start":1139.86,"end":1140.2599,"confidence":0.99902344,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.11288534849882126},{"word":"process","start":1140.2599,"end":1140.7599,"confidence":0.99902344,"punctuated_word":"process","sentiment":"neutral","sentiment_score":0.12732523679733276},{"word":"and","start":1141.94,"end":1142.1799,"confidence":0.484375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13979119062423706},{"word":"just","start":1142.1799,"end":1142.5,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15267807245254517},{"word":"letting","start":1142.5,"end":1142.82,"confidence":0.9760742,"punctuated_word":"letting","sentiment":"neutral","sentiment_score":0.13313688337802887},{"word":"them","start":1142.82,"end":1142.8999,"confidence":0.98535156,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.10442958772182465},{"word":"know","start":1142.8999,"end":1143.1399,"confidence":0.93066406,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.08112715929746628},{"word":"i","start":1143.1399,"end":1143.22,"confidence":0.98828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.018181294202804565},{"word":"mean","start":1143.22,"end":1143.5399,"confidence":0.9921875,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.05606159195303917},{"word":"i","start":1143.5399,"end":1143.7,"confidence":0.7998047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.022967688739299778},{"word":"hope","start":1143.7,"end":1144.0199,"confidence":0.5703125,"punctuated_word":"hope","sentiment":"neutral","sentiment_score":-0.02563336491584778},{"word":"nothing","start":1144.0199,"end":1144.34,"confidence":1.0,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":-0.04137380421161651},{"word":"happens","start":1144.34,"end":1144.74,"confidence":0.9753418,"punctuated_word":"happens,","sentiment":"neutral","sentiment_score":0.009422317147254944},{"word":"but","start":1144.74,"end":1144.8999,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0789494439959526},{"word":"it","start":1144.8999,"end":1145.0599,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11585158109664916},{"word":"is","start":1145.0599,"end":1145.22,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08903052657842636},{"word":"really","start":1145.22,"end":1145.38,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.11269857734441756},{"word":"important","start":1145.38,"end":1145.7799,"confidence":0.98583984,"punctuated_word":"important.","sentiment":"neutral","sentiment_score":0.047539450228214264},{"word":"it's","start":1145.7799,"end":1146.0199,"confidence":0.982666,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.018946360796689987},{"word":"sort","start":1146.0199,"end":1146.1799,"confidence":0.9951172,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.009590938687324524},{"word":"of","start":1146.1799,"end":1146.34,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.009691394865512848},{"word":"one","start":1146.34,"end":1146.5,"confidence":0.9394531,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.010779879987239838},{"word":"thing","start":1146.5,"end":1146.6599,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.03572991490364075},{"word":"i","start":1146.6599,"end":1146.82,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0109206885099411},{"word":"have","start":1146.82,"end":1146.98,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.01588432490825653},{"word":"come","start":1146.98,"end":1147.22,"confidence":0.99902344,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.0052500516176223755},{"word":"across","start":1147.22,"end":1147.62,"confidence":1.0,"punctuated_word":"across","sentiment":"neutral","sentiment_score":-0.0038271695375442505},{"word":"as","start":1147.62,"end":1147.7799,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.002054072916507721},{"word":"an","start":1147.7799,"end":1147.94,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.01683776080608368},{"word":"adviser","start":1147.94,"end":1148.44,"confidence":0.9614258,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":-0.047205425798892975},{"word":"over","start":1148.5,"end":1148.6599,"confidence":0.9951172,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.020294249057769775},{"word":"the","start":1148.6599,"end":1148.82,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.002666853368282318},{"word":"years","start":1148.82,"end":1149.1399,"confidence":0.99609375,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.030304431915283203},{"word":"is","start":1149.1399,"end":1149.2999,"confidence":0.92089844,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02317049354314804},{"word":"that","start":1149.2999,"end":1149.645,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0029572024941444397},{"word":"not","start":1149.725,"end":1150.045,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.056412797421216965},{"word":"everyone","start":1150.045,"end":1150.365,"confidence":1.0,"punctuated_word":"everyone","sentiment":"neutral","sentiment_score":-0.04520338773727417},{"word":"knows","start":1150.365,"end":1150.685,"confidence":0.9980469,"punctuated_word":"knows","sentiment":"neutral","sentiment_score":-0.06611708551645279},{"word":"that","start":1150.685,"end":1150.845,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02920312061905861},{"word":"people","start":1150.845,"end":1151.165,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.034572042524814606},{"word":"have","start":1151.165,"end":1151.3251,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.02388692647218704},{"word":"a","start":1151.3251,"end":1151.485,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03288330137729645},{"word":"financial","start":1151.485,"end":1151.965,"confidence":0.99902344,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.05608101189136505},{"word":"adviser","start":1151.965,"end":1152.365,"confidence":0.98535156,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":-0.0504775308072567},{"word":"or","start":1152.365,"end":1152.4451,"confidence":0.9819336,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0323442742228508},{"word":"where","start":1152.4451,"end":1152.685,"confidence":0.92333984,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.03882059454917908},{"word":"their","start":1152.685,"end":1152.845,"confidence":0.921875,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.032963190227746964},{"word":"suit","start":1152.845,"end":1153.165,"confidence":0.57421875,"punctuated_word":"suit","sentiment":"neutral","sentiment_score":-0.02224550768733025},{"word":"is","start":1153.165,"end":1153.3251,"confidence":0.984375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.018580660223960876},{"word":"located","start":1153.3251,"end":1153.805,"confidence":0.9614258,"punctuated_word":"located","sentiment":"neutral","sentiment_score":-0.030429154634475708},{"word":"or","start":1153.805,"end":1153.965,"confidence":0.7211914,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.02690614014863968},{"word":"their","start":1153.965,"end":1154.125,"confidence":0.94970703,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.04272828251123428},{"word":"life","start":1154.125,"end":1154.4451,"confidence":0.99902344,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.03660890460014343},{"word":"insurances","start":1154.4451,"end":1154.9451,"confidence":0.8720703,"punctuated_word":"insurances.","sentiment":"neutral","sentiment_score":-0.038111936300992966},{"word":"and","start":1155.005,"end":1155.165,"confidence":0.99609375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.034858789294958115},{"word":"i've","start":1155.165,"end":1155.3251,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.05484382063150406},{"word":"had","start":1155.3251,"end":1155.5651,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.05802619084715843},{"word":"it","start":1155.5651,"end":1155.725,"confidence":0.97998047,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.05717611685395241},{"word":"come","start":1155.725,"end":1155.885,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.0757417157292366},{"word":"across","start":1155.885,"end":1156.365,"confidence":1.0,"punctuated_word":"across","sentiment":"neutral","sentiment_score":-0.053153812885284424},{"word":"where","start":1156.365,"end":1156.765,"confidence":0.9536133,"punctuated_word":"where,","sentiment":"neutral","sentiment_score":-0.06353386491537094},{"word":"you","start":1156.765,"end":1156.845,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0635729432106018},{"word":"know","start":1156.845,"end":1157.005,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.0670911967754364},{"word":"a","start":1157.005,"end":1157.085,"confidence":0.94140625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07345898449420929},{"word":"couple","start":1157.085,"end":1157.5651,"confidence":0.99902344,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.09735043346881866},{"word":"of","start":1157.5651,"end":1157.645,"confidence":0.79296875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07964354753494263},{"word":"months","start":1157.645,"end":1157.965,"confidence":0.99316406,"punctuated_word":"months","sentiment":"neutral","sentiment_score":-0.07169881463050842},{"word":"down","start":1157.965,"end":1158.2051,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.06366735696792603},{"word":"the","start":1158.2051,"end":1158.365,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07174710184335709},{"word":"track","start":1158.365,"end":1158.605,"confidence":0.87402344,"punctuated_word":"track,","sentiment":"neutral","sentiment_score":-0.07302965223789215},{"word":"someone's","start":1158.605,"end":1159.085,"confidence":0.8691406,"punctuated_word":"someone's","sentiment":"neutral","sentiment_score":-0.1111164540052414},{"word":"passed","start":1159.085,"end":1159.405,"confidence":0.99902344,"punctuated_word":"passed","sentiment":"neutral","sentiment_score":-0.19046670198440552},{"word":"away","start":1159.405,"end":1159.805,"confidence":1.0,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.1252140998840332},{"word":"and","start":1159.805,"end":1160.2051,"confidence":0.53759766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.11121034622192384},{"word":"some","start":1160.2051,"end":1160.4451,"confidence":0.4099121,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.14227822422981262},{"word":"a","start":1160.525,"end":1160.685,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10372842848300934},{"word":"family","start":1160.685,"end":1161.005,"confidence":0.9980469,"punctuated_word":"family","sentiment":"neutral","sentiment_score":-0.12013601511716844},{"word":"member","start":1161.005,"end":1161.3251,"confidence":0.9980469,"punctuated_word":"member","sentiment":"neutral","sentiment_score":-0.07417795062065125},{"word":"calls","start":1161.3251,"end":1161.5651,"confidence":0.97998047,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":-0.09851349145174026},{"word":"up","start":1161.5651,"end":1161.725,"confidence":0.75,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.06960491836071014},{"word":"and","start":1161.725,"end":1161.885,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04211821034550667},{"word":"goes","start":1161.885,"end":1162.125,"confidence":0.9951172,"punctuated_word":"goes,","sentiment":"neutral","sentiment_score":-0.017322348430752754},{"word":"hey","start":1162.125,"end":1162.365,"confidence":0.9499512,"punctuated_word":"hey.","sentiment":"neutral","sentiment_score":-0.013356223702430723},{"word":"i've","start":1162.365,"end":1162.525,"confidence":0.69970703,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.012921023182570934},{"word":"found","start":1162.525,"end":1162.765,"confidence":0.7519531,"punctuated_word":"found","sentiment":"neutral","sentiment_score":-0.02433491498231888},{"word":"your","start":1162.765,"end":1162.925,"confidence":0.94140625,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.010961927473545074},{"word":"number","start":1162.925,"end":1163.245,"confidence":0.9951172,"punctuated_word":"number.","sentiment":"neutral","sentiment_score":-0.019655868411064148},{"word":"who","start":1163.245,"end":1163.405,"confidence":1.0,"punctuated_word":"Who","sentiment":"neutral","sentiment_score":-0.04113555699586868},{"word":"are","start":1163.405,"end":1163.5651,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.0313069187104702},{"word":"you","start":1163.5651,"end":1163.725,"confidence":0.9975586,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":-0.02885199896991253},{"word":"what","start":1163.725,"end":1163.885,"confidence":1.0,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.07571689784526825},{"word":"have","start":1163.885,"end":1164.125,"confidence":0.98291016,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.08246705681085587},{"word":"you","start":1164.125,"end":1164.285,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06027050316333771},{"word":"got","start":1164.285,"end":1164.4451,"confidence":0.9995117,"punctuated_word":"got?","sentiment":"neutral","sentiment_score":-0.06464502960443497},{"word":"what's","start":1164.4451,"end":1164.69,"confidence":0.99316406,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":-0.10627015680074692},{"word":"happening","start":1164.7699,"end":1165.1699,"confidence":1.0,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":-0.12814275920391083},{"word":"here","start":1165.1699,"end":1165.33,"confidence":0.9946289,"punctuated_word":"here?","sentiment":"neutral","sentiment_score":-0.07095986604690552},{"word":"and","start":1165.33,"end":1165.57,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.0705098807811737},{"word":"then","start":1165.57,"end":1165.97,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.06673058867454529},{"word":"you","start":1165.97,"end":1166.1299,"confidence":0.9350586,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09423816949129105},{"word":"go","start":1166.1299,"end":1166.37,"confidence":0.99609375,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.14791718125343323},{"word":"through","start":1166.37,"end":1166.5299,"confidence":0.8432617,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.175104558467865},{"word":"the","start":1166.5299,"end":1166.69,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1525764912366867},{"word":"claims","start":1166.69,"end":1167.09,"confidence":0.97998047,"punctuated_word":"claims","sentiment":"neutral","sentiment_score":-0.1559913009405136},{"word":"process","start":1167.09,"end":1167.49,"confidence":0.9980469,"punctuated_word":"process","sentiment":"neutral","sentiment_score":-0.11456189304590224},{"word":"a","start":1167.49,"end":1167.6499,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15760847926139832},{"word":"little","start":1167.6499,"end":1167.8099,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.17837896943092346},{"word":"bit","start":1167.8099,"end":1167.97,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.2177199125289917},{"word":"late","start":1167.97,"end":1168.21,"confidence":0.90063477,"punctuated_word":"late,","sentiment":"neutral","sentiment_score":-0.15675678849220276},{"word":"and","start":1168.21,"end":1168.37,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.11436625570058824},{"word":"they","start":1168.37,"end":1168.45,"confidence":0.75390625,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.15132905542850494},{"word":"didn't","start":1168.45,"end":1168.69,"confidence":1.0,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.15696729719638824},{"word":"know","start":1168.69,"end":1168.85,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.1667872816324234},{"word":"the","start":1168.85,"end":1168.9299,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17734286189079285},{"word":"money","start":1168.9299,"end":1169.25,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.10329069197177888},{"word":"was","start":1169.25,"end":1169.4099,"confidence":0.9970703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.13807234168052673},{"word":"there","start":1169.4099,"end":1169.6499,"confidence":0.98706055,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.1171250343322754},{"word":"they","start":1169.6499,"end":1169.8099,"confidence":1.0,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.14062663912773132},{"word":"weren't","start":1169.8099,"end":1169.97,"confidence":0.9995117,"punctuated_word":"weren't","sentiment":"neutral","sentiment_score":-0.17028921842575073},{"word":"aware","start":1169.97,"end":1170.2899,"confidence":1.0,"punctuated_word":"aware","sentiment":"neutral","sentiment_score":-0.1776220202445984},{"word":"of","start":1170.2899,"end":1170.37,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1393343210220337},{"word":"how","start":1170.37,"end":1170.61,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.20099765062332153},{"word":"to","start":1170.61,"end":1170.69,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.18135926127433777},{"word":"get","start":1170.69,"end":1170.9299,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.15911707282066345},{"word":"access","start":1170.9299,"end":1171.25,"confidence":0.9951172,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.12858818471431732},{"word":"to","start":1171.25,"end":1171.4099,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06109625846147537},{"word":"it","start":1171.4099,"end":1171.57,"confidence":0.9597168,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.07261693477630615},{"word":"and","start":1171.57,"end":1172.07,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.10973617434501648},{"word":"they","start":1172.1299,"end":1172.2899,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.1493745595216751},{"word":"had","start":1172.2899,"end":1172.4099,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.1784091740846634},{"word":"a","start":1172.4099,"end":1172.5299,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.17686572670936584},{"word":"bit","start":1172.5299,"end":1172.7699,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.2183215171098709},{"word":"of","start":1172.7699,"end":1172.85,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2218899428844452},{"word":"a","start":1172.85,"end":1172.9299,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.20160335302352905},{"word":"struggle","start":1172.9299,"end":1173.4099,"confidence":0.9951172,"punctuated_word":"struggle","sentiment":"negative","sentiment_score":-0.3758421540260315},{"word":"time","start":1173.4099,"end":1173.73,"confidence":0.9851074,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.06880967319011688},{"word":"so","start":1173.73,"end":1174.23,"confidence":0.99902344,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.37364980578422546},{"word":"i","start":1174.37,"end":1174.5299,"confidence":0.7426758,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4641932249069214},{"word":"always","start":1174.5299,"end":1174.7699,"confidence":0.96875,"punctuated_word":"always","sentiment":"positive","sentiment_score":0.4995606541633606},{"word":"do","start":1174.7699,"end":1174.9299,"confidence":0.9873047,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.5102512836456299},{"word":"think","start":1174.9299,"end":1175.1699,"confidence":0.99609375,"punctuated_word":"think","sentiment":"positive","sentiment_score":0.49849188327789307},{"word":"it's","start":1175.1699,"end":1175.33,"confidence":0.9916992,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.4927843511104584},{"word":"worth","start":1175.33,"end":1175.6499,"confidence":0.99121094,"punctuated_word":"worth","sentiment":"positive","sentiment_score":0.42092958092689514},{"word":"just","start":1175.6499,"end":1175.8099,"confidence":0.99121094,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.5490000247955322},{"word":"making","start":1175.8099,"end":1176.0499,"confidence":1.0,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.4332469403743744},{"word":"sure","start":1176.0499,"end":1176.37,"confidence":0.9980469,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.44583600759506226},{"word":"somebody","start":1176.37,"end":1176.69,"confidence":0.9951172,"punctuated_word":"somebody","sentiment":"positive","sentiment_score":0.47903376817703247},{"word":"in","start":1176.69,"end":1176.85,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3597075939178467},{"word":"your","start":1176.85,"end":1177.0099,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.45367351174354553},{"word":"family","start":1177.0099,"end":1177.33,"confidence":1.0,"punctuated_word":"family","sentiment":"positive","sentiment_score":0.3788268864154816},{"word":"that","start":1177.33,"end":1177.49,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4906727373600006},{"word":"you","start":1177.49,"end":1177.6499,"confidence":0.99316406,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4193428158760071},{"word":"trust","start":1177.6499,"end":1177.905,"confidence":0.9921875,"punctuated_word":"trust","sentiment":"positive","sentiment_score":0.33602023124694824},{"word":"knows","start":1177.985,"end":1178.385,"confidence":0.92407227,"punctuated_word":"knows,","sentiment":"neutral","sentiment_score":0.3037117123603821},{"word":"whether","start":1178.385,"end":1178.625,"confidence":1.0,"punctuated_word":"whether","sentiment":"positive","sentiment_score":0.34892648458480835},{"word":"it's","start":1178.625,"end":1178.865,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2915334105491638},{"word":"your","start":1178.865,"end":1179.105,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.29827573895454407},{"word":"beneficiaries","start":1179.105,"end":1179.605,"confidence":0.9980469,"punctuated_word":"beneficiaries","sentiment":"neutral","sentiment_score":0.28329479694366455},{"word":"or","start":1179.8251,"end":1180.0651,"confidence":0.9921875,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.24695897102355957},{"word":"your","start":1180.0651,"end":1180.225,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2587793171405792},{"word":"ex","start":1180.225,"end":1180.4651,"confidence":0.99902344,"punctuated_word":"ex","sentiment":"neutral","sentiment_score":0.14367668330669403},{"word":"wife","start":1180.4651,"end":1180.9651,"confidence":0.96118164,"punctuated_word":"wife,","sentiment":"neutral","sentiment_score":0.32738709449768066},{"word":"that","start":1181.265,"end":1181.505,"confidence":0.81396484,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4120118319988251},{"word":"they","start":1181.505,"end":1181.745,"confidence":1.0,"punctuated_word":"they","sentiment":"positive","sentiment_score":0.34671032428741455},{"word":"know","start":1181.745,"end":1182.145,"confidence":0.99609375,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.291416734457016},{"word":"to","start":1182.145,"end":1182.385,"confidence":0.64941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3180539608001709},{"word":"in","start":1182.4651,"end":1182.7051,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2621802091598511},{"word":"the","start":1182.7051,"end":1182.865,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3432425856590271},{"word":"event","start":1182.865,"end":1183.345,"confidence":0.9873047,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.31108319759368896},{"word":"of","start":1183.345,"end":1183.5851,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.28639715909957886},{"word":"you","start":1183.5851,"end":1183.905,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2982304096221924},{"word":"passing","start":1183.905,"end":1184.385,"confidence":0.98291016,"punctuated_word":"passing,","sentiment":"positive","sentiment_score":0.3660338521003723},{"word":"they","start":1184.385,"end":1184.625,"confidence":0.99902344,"punctuated_word":"they","sentiment":"positive","sentiment_score":0.405536413192749},{"word":"just","start":1184.625,"end":1184.785,"confidence":0.99316406,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.4121352434158325},{"word":"have","start":1184.785,"end":1185.025,"confidence":0.9980469,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4434344470500946},{"word":"to","start":1185.025,"end":1185.185,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4348539113998413},{"word":"call","start":1185.185,"end":1185.425,"confidence":0.99902344,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.3308247923851013},{"word":"us","start":1185.425,"end":1185.665,"confidence":0.80249023,"punctuated_word":"us,","sentiment":"positive","sentiment_score":0.3707495331764221},{"word":"and","start":1185.665,"end":1185.8251,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3905078172683716},{"word":"we","start":1185.8251,"end":1186.145,"confidence":0.99902344,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.403429239988327},{"word":"facilitate","start":1186.145,"end":1186.645,"confidence":0.99902344,"punctuated_word":"facilitate","sentiment":"positive","sentiment_score":0.5046148300170898},{"word":"the","start":1186.7051,"end":1186.865,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.47915390133857727},{"word":"claim","start":1186.865,"end":1187.185,"confidence":0.9980469,"punctuated_word":"claim","sentiment":"positive","sentiment_score":0.4989824295043946},{"word":"with","start":1187.185,"end":1187.345,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4966168403625488},{"word":"them","start":1187.345,"end":1187.845,"confidence":1.0,"punctuated_word":"them.","sentiment":"positive","sentiment_score":0.3706112504005432},{"word":"we","start":1188.305,"end":1188.545,"confidence":0.9482422,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.24634483456611633},{"word":"are","start":1188.545,"end":1188.7051,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2617408335208893},{"word":"very","start":1188.7051,"end":1189.185,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.26245296001434326},{"word":"security","start":1189.185,"end":1189.685,"confidence":0.99902344,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.13403362035751343},{"word":"conscious","start":1189.745,"end":1190.145,"confidence":0.9033203,"punctuated_word":"conscious,","sentiment":"neutral","sentiment_score":0.19477415084838867},{"word":"so","start":1190.145,"end":1190.305,"confidence":0.80371094,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1630358844995499},{"word":"they","start":1190.305,"end":1190.4651,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.14768566191196442},{"word":"can't","start":1190.4651,"end":1190.7051,"confidence":0.9970703,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":0.13221238553524017},{"word":"just","start":1190.7051,"end":1190.9451,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09253227710723876},{"word":"call","start":1190.9451,"end":1191.105,"confidence":0.9980469,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.011068463325500488},{"word":"up","start":1191.105,"end":1191.265,"confidence":0.80126953,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.07871140539646149},{"word":"willy","start":1191.265,"end":1191.505,"confidence":0.9980469,"punctuated_word":"willy","sentiment":"neutral","sentiment_score":0.06939418613910675},{"word":"nilly","start":1191.505,"end":1191.905,"confidence":0.9995117,"punctuated_word":"nilly","sentiment":"neutral","sentiment_score":0.08252402395009995},{"word":"and","start":1191.905,"end":1192.0651,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.007996007800102234},{"word":"ask","start":1192.0651,"end":1192.225,"confidence":1.0,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.07355489581823349},{"word":"for","start":1192.225,"end":1192.4651,"confidence":0.96435547,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.02383635938167572},{"word":"information","start":1192.4651,"end":1192.9651,"confidence":0.9951172,"punctuated_word":"information.","sentiment":"neutral","sentiment_score":0.08765994012355804},{"word":"essentially","start":1193.69,"end":1194.17,"confidence":0.99902344,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":0.14601463079452515},{"word":"we","start":1194.17,"end":1194.41,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2016511857509613},{"word":"have","start":1194.41,"end":1194.57,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.22345641255378723},{"word":"to","start":1194.57,"end":1194.65,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23724254965782168},{"word":"be","start":1194.65,"end":1194.8099,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.22800147533416748},{"word":"able","start":1194.8099,"end":1194.97,"confidence":0.61621094,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.2482214868068695},{"word":"to","start":1194.97,"end":1195.13,"confidence":0.984375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.29926151037216187},{"word":"be","start":1195.13,"end":1195.45,"confidence":0.8984375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.29237687587738037},{"word":"provided","start":1195.45,"end":1195.95,"confidence":0.9902344,"punctuated_word":"provided","sentiment":"neutral","sentiment_score":0.22638168931007385},{"word":"with","start":1196.01,"end":1196.49,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2465200573205948},{"word":"your","start":1196.49,"end":1196.8099,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19985678791999817},{"word":"will","start":1196.8099,"end":1197.3099,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.20600511133670807},{"word":"and","start":1197.69,"end":1198.01,"confidence":0.73779297,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1842445433139801},{"word":"a","start":1198.01,"end":1198.17,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1999652087688446},{"word":"death","start":1198.17,"end":1198.41,"confidence":0.9970703,"punctuated_word":"death","sentiment":"neutral","sentiment_score":0.12428290396928789},{"word":"certificate","start":1198.41,"end":1198.91,"confidence":1.0,"punctuated_word":"certificate","sentiment":"neutral","sentiment_score":0.2125401645898819},{"word":"to","start":1199.05,"end":1199.21,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.284329891204834},{"word":"be","start":1199.21,"end":1199.37,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2662239372730255},{"word":"able","start":1199.37,"end":1199.69,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.31251823902130127},{"word":"to","start":1199.69,"end":1199.93,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3138001263141632},{"word":"assist","start":1199.93,"end":1200.43,"confidence":0.9614258,"punctuated_word":"assist,","sentiment":"neutral","sentiment_score":0.2766059637069702},{"word":"and","start":1200.65,"end":1200.89,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2012745290994644},{"word":"we","start":1200.89,"end":1200.97,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.24343961477279663},{"word":"will","start":1200.97,"end":1201.21,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.16668488085269928},{"word":"only","start":1201.21,"end":1201.53,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.1343783587217331},{"word":"be","start":1201.53,"end":1201.77,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.21481403708457947},{"word":"able","start":1201.77,"end":1201.93,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.198466494679451},{"word":"to","start":1201.93,"end":1202.09,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16237325966358185},{"word":"speak","start":1202.09,"end":1202.41,"confidence":0.99609375,"punctuated_word":"speak","sentiment":"neutral","sentiment_score":0.1008640080690384},{"word":"to","start":1202.41,"end":1202.65,"confidence":0.93603516,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08292026072740555},{"word":"the","start":1202.65,"end":1202.89,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08121965080499649},{"word":"executor","start":1202.89,"end":1203.39,"confidence":0.98616534,"punctuated_word":"executor.","sentiment":"neutral","sentiment_score":0.1156490370631218},{"word":"so","start":1203.61,"end":1203.77,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2770349383354187},{"word":"whoever","start":1203.77,"end":1204.25,"confidence":0.9980469,"punctuated_word":"whoever","sentiment":"neutral","sentiment_score":0.31862592697143555},{"word":"is","start":1204.25,"end":1204.41,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2027013748884201},{"word":"the","start":1204.41,"end":1204.57,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2206912636756897},{"word":"executor","start":1204.57,"end":1205.07,"confidence":0.99194336,"punctuated_word":"executor","sentiment":"neutral","sentiment_score":0.24860429763793945},{"word":"of","start":1205.13,"end":1205.29,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.27448052167892456},{"word":"your","start":1205.29,"end":1205.45,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.21755412220954895},{"word":"will","start":1205.45,"end":1205.69,"confidence":0.9970703,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.19308750331401825},{"word":"and","start":1205.69,"end":1205.77,"confidence":0.73828125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20970764756202695},{"word":"your","start":1205.77,"end":1206.01,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19525359570980072},{"word":"estate","start":1206.01,"end":1206.41,"confidence":0.97265625,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.21661409735679624},{"word":"is","start":1206.41,"end":1206.57,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2484334856271744},{"word":"the","start":1206.57,"end":1206.73,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2936193346977234},{"word":"one","start":1206.73,"end":1206.97,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.32895684242248535},{"word":"person","start":1206.97,"end":1207.37,"confidence":1.0,"punctuated_word":"person","sentiment":"neutral","sentiment_score":0.2960519790649414},{"word":"who","start":1207.37,"end":1207.53,"confidence":1.0,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.30245035886764526},{"word":"can","start":1207.53,"end":1207.77,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.29561272263526917},{"word":"come","start":1207.77,"end":1207.93,"confidence":1.0,"punctuated_word":"come","sentiment":"positive","sentiment_score":0.3770913779735565},{"word":"and","start":1207.93,"end":1208.09,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3344327211380005},{"word":"help","start":1208.09,"end":1208.41,"confidence":1.0,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.3413674235343933},{"word":"facilitate","start":1208.41,"end":1208.89,"confidence":0.9980469,"punctuated_word":"facilitate","sentiment":"positive","sentiment_score":0.4233940243721008},{"word":"the","start":1208.89,"end":1209.165,"confidence":0.9838867,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3461131751537323},{"word":"claim","start":1209.165,"end":1209.405,"confidence":0.9448242,"punctuated_word":"claim.","sentiment":"positive","sentiment_score":0.3453215956687927},{"word":"so","start":1209.405,"end":1209.5651,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.29094552993774414},{"word":"whether","start":1209.5651,"end":1209.805,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.2209279388189316},{"word":"that's","start":1209.805,"end":1210.125,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.2534602880477905},{"word":"your","start":1210.125,"end":1210.625,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.22216634452342987},{"word":"eldest","start":1210.685,"end":1211.0851,"confidence":0.7866211,"punctuated_word":"eldest","sentiment":"neutral","sentiment_score":0.16503916680812836},{"word":"child","start":1211.0851,"end":1211.405,"confidence":0.99902344,"punctuated_word":"child","sentiment":"neutral","sentiment_score":0.17151521146297455},{"word":"or","start":1211.405,"end":1211.5651,"confidence":0.93603516,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.18189390003681183},{"word":"your","start":1211.5651,"end":1211.7251,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1623236984014511},{"word":"ex","start":1211.7251,"end":1211.9651,"confidence":1.0,"punctuated_word":"ex","sentiment":"neutral","sentiment_score":0.14325591921806335},{"word":"wife","start":1211.9651,"end":1212.2051,"confidence":1.0,"punctuated_word":"wife","sentiment":"neutral","sentiment_score":0.18055205047130585},{"word":"or","start":1212.2051,"end":1212.365,"confidence":0.98828125,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.19298145174980164},{"word":"just","start":1212.365,"end":1212.605,"confidence":0.9301758,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.22127357125282288},{"word":"somebody","start":1212.605,"end":1213.0851,"confidence":1.0,"punctuated_word":"somebody","sentiment":"neutral","sentiment_score":0.3245491683483124},{"word":"else","start":1213.0851,"end":1213.3251,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.30821070075035095},{"word":"that","start":1213.3251,"end":1213.485,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2456396222114563},{"word":"you","start":1213.485,"end":1213.7251,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20964175462722776},{"word":"trust","start":1213.7251,"end":1214.2251,"confidence":0.9851074,"punctuated_word":"trust,","sentiment":"neutral","sentiment_score":0.2679069936275482},{"word":"that's","start":1214.685,"end":1215.005,"confidence":0.8786621,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.34940028190612793},{"word":"the","start":1215.005,"end":1215.0851,"confidence":0.99609375,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.34599217772483826},{"word":"person","start":1215.0851,"end":1215.485,"confidence":1.0,"punctuated_word":"person","sentiment":"positive","sentiment_score":0.42234644293785095},{"word":"that","start":1215.485,"end":1215.9651,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3764773607254028},{"word":"is","start":1215.9651,"end":1216.2051,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2881108224391937},{"word":"able","start":1216.2051,"end":1216.525,"confidence":1.0,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.33388465642929077},{"word":"to","start":1216.525,"end":1216.605,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3716921806335449},{"word":"call","start":1216.605,"end":1216.925,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.2831985354423523},{"word":"that","start":1216.925,"end":1217.165,"confidence":0.48657227,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3758414685726166},{"word":"is","start":1217.165,"end":1217.3251,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3426980674266815},{"word":"able","start":1217.3251,"end":1217.5651,"confidence":1.0,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.41426435112953186},{"word":"to","start":1217.5651,"end":1217.805,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.411261647939682},{"word":"facilitate","start":1217.805,"end":1218.305,"confidence":0.9892578,"punctuated_word":"facilitate","sentiment":"positive","sentiment_score":0.4491541385650635},{"word":"the","start":1218.4451,"end":1218.605,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.43994203209877014},{"word":"claim","start":1218.605,"end":1219.005,"confidence":0.87158203,"punctuated_word":"claim","sentiment":"positive","sentiment_score":0.42510855197906494},{"word":"for","start":1219.005,"end":1219.245,"confidence":0.99609375,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4043637216091156},{"word":"your","start":1219.245,"end":1219.485,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.3087206184864044},{"word":"beneficiaries","start":1219.485,"end":1219.985,"confidence":0.9902344,"punctuated_word":"beneficiaries","sentiment":"neutral","sentiment_score":0.30878838896751404},{"word":"if","start":1220.125,"end":1220.365,"confidence":0.6748047,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3340180516242981},{"word":"it's","start":1220.365,"end":1220.4451,"confidence":0.9970703,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.13805800676345825},{"word":"not","start":1220.4451,"end":1220.685,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.1736862063407898},{"word":"one","start":1220.685,"end":1220.8451,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.04810824990272522},{"word":"of","start":1220.8451,"end":1220.925,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11344601213932036},{"word":"your","start":1220.925,"end":1221.165,"confidence":0.99121094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1200922280550003},{"word":"beneficiaries","start":1221.165,"end":1221.665,"confidence":0.82006836,"punctuated_word":"beneficiaries,","sentiment":"neutral","sentiment_score":0.10333923250436784},{"word":"and","start":1222.365,"end":1222.525,"confidence":0.921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2451954185962677},{"word":"that's","start":1222.525,"end":1222.765,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.31057241559028625},{"word":"how","start":1222.765,"end":1223.005,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.29487454891204834},{"word":"we","start":1223.005,"end":1223.245,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.34050238132476807},{"word":"sort","start":1223.245,"end":1223.485,"confidence":0.9970703,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.3966742157936096},{"word":"of","start":1223.485,"end":1223.5651,"confidence":0.60302734,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4281759560108185},{"word":"help","start":1223.5651,"end":1223.805,"confidence":0.99609375,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.3708112835884094},{"word":"them","start":1223.805,"end":1224.045,"confidence":1.0,"punctuated_word":"them","sentiment":"positive","sentiment_score":0.34071144461631775},{"word":"with","start":1224.045,"end":1224.2051,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4258906245231629},{"word":"the","start":1224.2051,"end":1224.365,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2715889513492584},{"word":"process","start":1224.365,"end":1224.865,"confidence":1.0,"punctuated_word":"process.","sentiment":"neutral","sentiment_score":0.2090630680322647},{"word":"yeah","start":1225.59,"end":1226.09,"confidence":0.92871094,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09761837869882584},{"word":"yeah","start":1226.79,"end":1227.29,"confidence":0.9863281,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09680241346359252},{"word":"there's","start":1227.83,"end":1228.15,"confidence":0.99316406,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.04805970937013626},{"word":"a","start":1228.15,"end":1228.3099,"confidence":0.96435547,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.012439697980880736},{"word":"there's","start":1228.3099,"end":1228.71,"confidence":0.99609375,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.043671220541000366},{"word":"a","start":1228.71,"end":1228.79,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03787589818239212},{"word":"lot","start":1228.79,"end":1229.03,"confidence":0.9980469,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.039052654057741165},{"word":"to","start":1229.03,"end":1229.19,"confidence":0.94189453,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.008547291159629822},{"word":"it","start":1229.19,"end":1229.4299,"confidence":0.86865234,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.013598788529634476},{"word":"isn't","start":1229.4299,"end":1229.67,"confidence":1.0,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":0.018932078033685684},{"word":"there","start":1229.67,"end":1230.17,"confidence":0.92285156,"punctuated_word":"there?","sentiment":"neutral","sentiment_score":-0.002829449251294136},{"word":"we","start":1232.47,"end":1232.63,"confidence":0.984375,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.0006231516599655151},{"word":"sort","start":1232.63,"end":1232.87,"confidence":0.98828125,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.01174888014793396},{"word":"of","start":1232.87,"end":1233.03,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.003645770251750946},{"word":"all","start":1233.03,"end":1233.27,"confidence":0.9873047,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.012444883584976196},{"word":"think","start":1233.27,"end":1233.51,"confidence":0.9951172,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.02175663411617279},{"word":"that","start":1233.51,"end":1233.67,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.024936184287071228},{"word":"once","start":1233.67,"end":1233.99,"confidence":0.9951172,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.04230465739965439},{"word":"once","start":1233.99,"end":1234.23,"confidence":0.9980469,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.03249838948249817},{"word":"we","start":1234.23,"end":1234.47,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03380080312490463},{"word":"go","start":1234.47,"end":1234.79,"confidence":0.98706055,"punctuated_word":"go,","sentiment":"neutral","sentiment_score":0.056466709822416306},{"word":"it","start":1234.79,"end":1234.95,"confidence":0.9760742,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0906711146235466},{"word":"just","start":1234.95,"end":1235.27,"confidence":0.97314453,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05650082975625992},{"word":"all","start":1235.27,"end":1235.4299,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.03681761026382446},{"word":"happens","start":1235.4299,"end":1235.9299,"confidence":0.8178711,"punctuated_word":"happens,","sentiment":"neutral","sentiment_score":0.026940077543258667},{"word":"but","start":1236.23,"end":1236.39,"confidence":0.9892578,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.005341812968254089},{"word":"there's","start":1236.39,"end":1236.63,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.018055099993944168},{"word":"definitely","start":1236.63,"end":1237.03,"confidence":0.99902344,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.028795160353183743},{"word":"a","start":1237.03,"end":1237.19,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0357356071472168},{"word":"lot","start":1237.19,"end":1237.35,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.004269883036613464},{"word":"of","start":1237.35,"end":1237.85,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.01172415167093277},{"word":"a","start":1237.91,"end":1237.99,"confidence":0.6621094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08068007230758667},{"word":"lot","start":1237.99,"end":1238.23,"confidence":0.9980469,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.05753695964813232},{"word":"that","start":1238.23,"end":1238.39,"confidence":0.9921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02352312207221985},{"word":"happens","start":1238.39,"end":1238.79,"confidence":0.9951172,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":0.009276703000068665},{"word":"in","start":1238.79,"end":1238.87,"confidence":0.52685547,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.026150494813919067},{"word":"the","start":1238.87,"end":1239.03,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05206380784511566},{"word":"back","start":1239.03,"end":1239.225,"confidence":0.9941406,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.03886864334344864},{"word":"end","start":1239.3049,"end":1239.465,"confidence":0.99316406,"punctuated_word":"end","sentiment":"neutral","sentiment_score":-0.02533477544784546},{"word":"around","start":1239.465,"end":1239.705,"confidence":0.9819336,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.036515429615974426},{"word":"the","start":1239.705,"end":1239.865,"confidence":0.98291016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04005541652441025},{"word":"estate","start":1239.865,"end":1240.1849,"confidence":0.9970703,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":-0.09099701792001724},{"word":"planning","start":1240.1849,"end":1240.6649,"confidence":0.907959,"punctuated_word":"planning,","sentiment":"neutral","sentiment_score":-0.015177544206380844},{"word":"around","start":1240.6649,"end":1240.905,"confidence":0.99609375,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.006117403507232666},{"word":"the","start":1240.905,"end":1241.065,"confidence":0.62109375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.025263190269470215},{"word":"the","start":1241.065,"end":1241.225,"confidence":0.6401367,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03605116903781891},{"word":"will","start":1241.225,"end":1241.705,"confidence":0.83081055,"punctuated_word":"will,","sentiment":"neutral","sentiment_score":-0.016237612813711166},{"word":"and","start":1241.705,"end":1241.945,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02316722273826599},{"word":"around","start":1241.945,"end":1242.265,"confidence":0.9941406,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.002743728458881378},{"word":"the","start":1242.265,"end":1242.585,"confidence":0.8588867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0021072998642921448},{"word":"claiming","start":1242.585,"end":1243.065,"confidence":0.9614258,"punctuated_word":"claiming","sentiment":"neutral","sentiment_score":-0.0008326955139636993},{"word":"on","start":1243.065,"end":1243.225,"confidence":0.9658203,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.0157424658536911},{"word":"the","start":1243.225,"end":1243.385,"confidence":0.7583008,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01938109844923019},{"word":"deceased","start":1243.385,"end":1243.865,"confidence":0.99609375,"punctuated_word":"deceased","sentiment":"neutral","sentiment_score":-0.03776030987501144},{"word":"estate","start":1243.865,"end":1244.1849,"confidence":0.9658203,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":-0.01098501682281494},{"word":"that","start":1244.1849,"end":1244.6849,"confidence":0.9790039,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05437089502811432},{"word":"that","start":1245.065,"end":1245.225,"confidence":0.95703125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05456976592540741},{"word":"we","start":1245.225,"end":1245.385,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08864844590425491},{"word":"do","start":1245.385,"end":1245.625,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1103138104081154},{"word":"take","start":1245.625,"end":1245.865,"confidence":0.9980469,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.03427457809448242},{"word":"into","start":1245.865,"end":1246.1849,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.031498610973358154},{"word":"account","start":1246.1849,"end":1246.505,"confidence":0.99902344,"punctuated_word":"account","sentiment":"neutral","sentiment_score":-0.04083743691444397},{"word":"when","start":1246.505,"end":1246.745,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.015911489725112915},{"word":"we","start":1246.745,"end":1246.825,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.02799837291240692},{"word":"are","start":1246.825,"end":1247.065,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.018264785408973697},{"word":"dealing","start":1247.065,"end":1247.3049,"confidence":1.0,"punctuated_word":"dealing","sentiment":"neutral","sentiment_score":-0.025294438004493713},{"word":"with","start":1247.3049,"end":1247.5449,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.057722143828868866},{"word":"this","start":1247.5449,"end":1247.705,"confidence":0.55566406,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.06818133592605591},{"word":"a","start":1247.865,"end":1248.025,"confidence":0.82714844,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03564101830124855},{"word":"deceased","start":1248.025,"end":1248.4249,"confidence":0.99902344,"punctuated_word":"deceased","sentiment":"neutral","sentiment_score":-0.0761556401848793},{"word":"estate","start":1248.4249,"end":1248.825,"confidence":0.89868164,"punctuated_word":"estate,","sentiment":"neutral","sentiment_score":-0.06460198760032654},{"word":"and","start":1248.825,"end":1248.985,"confidence":0.96875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.007483348250389099},{"word":"that","start":1248.985,"end":1249.145,"confidence":0.96240234,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09348875284194946},{"word":"has","start":1249.145,"end":1249.385,"confidence":0.9873047,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.005932733416557312},{"word":"to","start":1249.385,"end":1249.5449,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02067558467388153},{"word":"happen","start":1249.5449,"end":1250.025,"confidence":0.99121094,"punctuated_word":"happen.","sentiment":"neutral","sentiment_score":-0.037389125674963},{"word":"so","start":1250.025,"end":1250.505,"confidence":0.92407227,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.10672225058078766},{"word":"yeah","start":1250.505,"end":1250.825,"confidence":0.8979492,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.11957640945911407},{"word":"there's","start":1250.825,"end":1251.065,"confidence":0.99560547,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.06366077065467834},{"word":"a","start":1251.065,"end":1251.225,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.057636551558971405},{"word":"lot","start":1251.225,"end":1251.385,"confidence":0.99902344,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.012733906507492064},{"word":"to","start":1251.385,"end":1251.5449,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.014620482921600342},{"word":"happen","start":1251.5449,"end":1251.865,"confidence":1.0,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":-0.0027376413345336914},{"word":"in","start":1251.865,"end":1251.945,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.030995726585388184},{"word":"the","start":1251.945,"end":1252.105,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.015476152300834656},{"word":"back","start":1252.105,"end":1252.265,"confidence":0.98828125,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.0052810609340667725},{"word":"end","start":1252.265,"end":1252.585,"confidence":0.751709,"punctuated_word":"end.","sentiment":"neutral","sentiment_score":-0.006792832165956497},{"word":"but","start":1252.585,"end":1252.825,"confidence":0.9604492,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.3151017129421234},{"word":"yeah","start":1252.825,"end":1252.985,"confidence":0.9995117,"punctuated_word":"yeah,","sentiment":"positive","sentiment_score":0.5081421136856079},{"word":"it's","start":1252.985,"end":1253.225,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.5391255617141724},{"word":"pretty","start":1253.225,"end":1253.465,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.532848060131073},{"word":"cool","start":1253.465,"end":1253.965,"confidence":0.8552246,"punctuated_word":"cool.","sentiment":"positive","sentiment_score":0.4231393933296203},{"word":"and","start":1256.24,"end":1256.5599,"confidence":0.99316406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.28434762358665466},{"word":"a","start":1256.5599,"end":1256.64,"confidence":0.98535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23130540549755096},{"word":"few","start":1256.64,"end":1256.88,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.17404308915138245},{"word":"things","start":1256.88,"end":1257.12,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.18801464140415192},{"word":"for","start":1257.12,"end":1257.2799,"confidence":0.9760742,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1669493466615677},{"word":"you","start":1257.2799,"end":1257.36,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1537070274353027},{"word":"to","start":1257.36,"end":1257.52,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12050867080688477},{"word":"think","start":1257.52,"end":1257.6799,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.1193123608827591},{"word":"about","start":1257.6799,"end":1258.08,"confidence":0.75390625,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.14163804054260254},{"word":"too","start":1258.08,"end":1258.58,"confidence":0.9880371,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":0.1757594645023346},{"word":"no","start":1263.0399,"end":1263.5399,"confidence":0.94921875,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.1208728700876236},{"word":"all","start":1263.6,"end":1263.84,"confidence":0.8071289,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.24914079904556272},{"word":"good","start":1263.84,"end":1264.34,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.18375277519226071},{"word":"so","start":1265.2,"end":1265.6,"confidence":0.7973633,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11474621295928956},{"word":"having","start":1265.6,"end":1265.8,"confidence":0.9980469,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.07022970169782639},{"word":"a","start":1265.8,"end":1266.0,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12497567385435104},{"word":"look","start":1266.0,"end":1266.24,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.10193426162004472},{"word":"at","start":1266.24,"end":1266.32,"confidence":0.9892578,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07981685549020767},{"word":"things","start":1266.32,"end":1266.5599,"confidence":0.84594727,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.0940820574760437},{"word":"look","start":1266.5599,"end":1266.72,"confidence":0.8010254,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.1053340882062912},{"word":"we've","start":1266.72,"end":1266.96,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.10646742582321168},{"word":"gone","start":1266.96,"end":1267.2,"confidence":0.99902344,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.09265373647212982},{"word":"through","start":1267.2,"end":1267.44,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.096575990319252},{"word":"most","start":1267.44,"end":1267.6799,"confidence":1.0,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.10998348891735076},{"word":"of","start":1267.6799,"end":1267.84,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0913884863257408},{"word":"it","start":1267.84,"end":1268.0,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08054276555776596},{"word":"now","start":1268.0,"end":1268.5,"confidence":0.9975586,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.12236732244491576},{"word":"if","start":1268.5599,"end":1268.7999,"confidence":0.9633789,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.1345275640487671},{"word":"you","start":1268.7999,"end":1268.96,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10728085041046144},{"word":"like","start":1268.96,"end":1269.225,"confidence":0.98657227,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.13547253608703613},{"word":"what","start":1269.225,"end":1269.3049,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.14826983213424683},{"word":"i","start":1269.3049,"end":1269.465,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14647987484931946},{"word":"can","start":1269.465,"end":1269.625,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14692337810993197},{"word":"do","start":1269.625,"end":1269.705,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1706603318452835},{"word":"is","start":1269.705,"end":1269.945,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1556849479675293},{"word":"i","start":1269.945,"end":1270.105,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1959405243396759},{"word":"can","start":1270.105,"end":1270.1849,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1781904697418213},{"word":"send","start":1270.1849,"end":1270.4249,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.1462266743183136},{"word":"you","start":1270.4249,"end":1270.585,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15742921829223633},{"word":"through","start":1270.585,"end":1270.745,"confidence":0.9838867,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.12127312272787094},{"word":"a","start":1270.745,"end":1270.825,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12504348158836365},{"word":"bit","start":1270.825,"end":1270.985,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1349935531616211},{"word":"of","start":1270.985,"end":1271.065,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11865098774433136},{"word":"a","start":1271.065,"end":1271.145,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10745987296104433},{"word":"general","start":1271.145,"end":1271.625,"confidence":1.0,"punctuated_word":"general","sentiment":"neutral","sentiment_score":0.13226908445358276},{"word":"information","start":1271.625,"end":1272.125,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.08191725611686707},{"word":"just","start":1272.905,"end":1273.145,"confidence":0.8647461,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09486919641494752},{"word":"on","start":1273.145,"end":1273.385,"confidence":0.82666016,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08865159749984741},{"word":"a","start":1273.385,"end":1273.465,"confidence":0.5805664,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09285304695367812},{"word":"local","start":1273.465,"end":1273.865,"confidence":0.99609375,"punctuated_word":"local","sentiment":"neutral","sentiment_score":0.08285728096961975},{"word":"solicitor","start":1273.865,"end":1274.365,"confidence":0.97802734,"punctuated_word":"solicitor","sentiment":"neutral","sentiment_score":0.10369494557380676},{"word":"with","start":1274.4249,"end":1274.6649,"confidence":0.9536133,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.12998555600643158},{"word":"a","start":1274.6649,"end":1274.745,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1253727525472641},{"word":"bit","start":1274.745,"end":1274.905,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.11533086001873016},{"word":"of","start":1274.905,"end":1274.985,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09673561900854112},{"word":"a","start":1274.985,"end":1275.145,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0910552516579628},{"word":"costing","start":1275.145,"end":1275.625,"confidence":0.9980469,"punctuated_word":"costing","sentiment":"neutral","sentiment_score":0.07033178210258484},{"word":"if","start":1275.625,"end":1275.785,"confidence":0.65722656,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1038115620613098},{"word":"you","start":1275.785,"end":1276.025,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10500689595937727},{"word":"like","start":1276.025,"end":1276.525,"confidence":0.6899414,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0960582196712494},{"word":"just","start":1276.6649,"end":1276.825,"confidence":0.97998047,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11138418316841124},{"word":"on","start":1276.825,"end":1277.065,"confidence":0.9741211,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0985693261027336},{"word":"how","start":1277.065,"end":1277.225,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.08049473166465759},{"word":"much","start":1277.225,"end":1277.385,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.07112807780504227},{"word":"they","start":1277.385,"end":1277.625,"confidence":0.9970703,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.07719732820987701},{"word":"charge","start":1277.625,"end":1277.865,"confidence":0.96533203,"punctuated_word":"charge","sentiment":"neutral","sentiment_score":0.1028442680835724},{"word":"to","start":1277.865,"end":1278.025,"confidence":0.93847656,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0908541902899742},{"word":"do","start":1278.025,"end":1278.105,"confidence":0.99121094,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05448658764362335},{"word":"up","start":1278.105,"end":1278.265,"confidence":0.89453125,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.07096273452043533},{"word":"a","start":1278.265,"end":1278.345,"confidence":0.9614258,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09922528266906738},{"word":"will","start":1278.345,"end":1278.585,"confidence":0.97998047,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.12034347653388976},{"word":"and","start":1278.585,"end":1278.6649,"confidence":0.93603516,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08866696804761887},{"word":"a","start":1278.6649,"end":1278.745,"confidence":0.89501953,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08477292954921722},{"word":"power","start":1278.745,"end":1278.985,"confidence":0.9980469,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.13509997725486755},{"word":"of","start":1278.985,"end":1279.065,"confidence":0.9707031,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12217315286397934},{"word":"attorney","start":1279.065,"end":1279.465,"confidence":1.0,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":0.07133994251489639},{"word":"just","start":1279.465,"end":1279.625,"confidence":0.7207031,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09618958830833436},{"word":"to","start":1279.625,"end":1279.705,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09423580765724182},{"word":"give","start":1279.705,"end":1279.865,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.09131935238838196},{"word":"you","start":1279.865,"end":1280.025,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1675456464290619},{"word":"something","start":1280.025,"end":1280.345,"confidence":0.99902344,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.10368266701698305},{"word":"to","start":1280.345,"end":1280.4249,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10087813436985016},{"word":"think","start":1280.4249,"end":1280.6649,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.1120525449514389},{"word":"about","start":1280.6649,"end":1281.1649,"confidence":0.99560547,"punctuated_word":"about.","sentiment":"neutral","sentiment_score":0.0186731219291687},{"word":"i","start":1281.5599,"end":1281.72,"confidence":0.98828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06777101010084152},{"word":"can","start":1281.72,"end":1281.96,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0576883964240551},{"word":"also","start":1281.96,"end":1282.36,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.04960266500711441},{"word":"look","start":1282.36,"end":1282.6,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.03254222869873047},{"word":"into","start":1282.6,"end":1283.1,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.039400484412908554},{"word":"obviously","start":1283.72,"end":1284.22,"confidence":0.9946289,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.055761054158210754},{"word":"each","start":1284.36,"end":1284.6,"confidence":0.984375,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.05205129086971283},{"word":"state","start":1284.6,"end":1285.1,"confidence":0.99609375,"punctuated_word":"state","sentiment":"neutral","sentiment_score":0.03883247449994087},{"word":"has","start":1285.5599,"end":1285.8,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.06606090068817139},{"word":"trustees","start":1285.8,"end":1286.3,"confidence":0.92578125,"punctuated_word":"trustees","sentiment":"neutral","sentiment_score":0.05171196162700653},{"word":"that","start":1286.52,"end":1286.76,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07629573345184326},{"word":"can","start":1286.76,"end":1286.92,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06404075026512146},{"word":"help","start":1286.92,"end":1287.16,"confidence":1.0,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.06804924458265305},{"word":"do","start":1287.16,"end":1287.4,"confidence":0.9941406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.054319802671670914},{"word":"wills","start":1287.4,"end":1287.64,"confidence":0.9838867,"punctuated_word":"wills","sentiment":"neutral","sentiment_score":0.051990263164043427},{"word":"and","start":1287.64,"end":1287.8,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08143582195043564},{"word":"things","start":1287.8,"end":1288.12,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.06514225900173187},{"word":"like","start":1288.12,"end":1288.28,"confidence":0.9980469,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.05568785220384598},{"word":"that","start":1288.28,"end":1288.44,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08569638431072235},{"word":"as","start":1288.44,"end":1288.6799,"confidence":0.70166016,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07556174695491791},{"word":"well","start":1288.6799,"end":1288.84,"confidence":0.99853516,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.07822071760892868},{"word":"i","start":1288.84,"end":1289.0,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07181943953037262},{"word":"can","start":1289.0,"end":1289.16,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.067824587225914},{"word":"also","start":1289.16,"end":1289.4,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.05613711476325989},{"word":"do","start":1289.4,"end":1289.64,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08116687089204788},{"word":"a","start":1289.64,"end":1289.72,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08455092459917068},{"word":"little","start":1289.72,"end":1289.88,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.10534220188856123},{"word":"bit","start":1289.88,"end":1290.04,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1203443557024002},{"word":"of","start":1290.04,"end":1290.2,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09084027260541916},{"word":"research","start":1290.2,"end":1290.6799,"confidence":0.99902344,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.05612894147634506},{"word":"around","start":1290.6799,"end":1291.16,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.0675942599773407},{"word":"your","start":1291.16,"end":1291.4,"confidence":0.98828125,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05746958404779434},{"word":"local","start":1291.4,"end":1291.9,"confidence":1.0,"punctuated_word":"local","sentiment":"neutral","sentiment_score":0.05334265157580376},{"word":"trustee","start":1292.36,"end":1292.86,"confidence":0.97314453,"punctuated_word":"trustee","sentiment":"neutral","sentiment_score":0.053254663944244385},{"word":"and","start":1292.92,"end":1293.08,"confidence":0.98535156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06418789178133011},{"word":"what","start":1293.08,"end":1293.32,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.07575410604476929},{"word":"they","start":1293.32,"end":1293.48,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.07244041562080383},{"word":"charge","start":1293.48,"end":1293.88,"confidence":0.96875,"punctuated_word":"charge","sentiment":"neutral","sentiment_score":0.06443896889686584},{"word":"to","start":1293.88,"end":1293.96,"confidence":0.7607422,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06809636205434799},{"word":"do","start":1293.96,"end":1294.12,"confidence":0.86621094,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06217476725578308},{"word":"a","start":1294.12,"end":1294.2,"confidence":0.85595703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08328399062156677},{"word":"will","start":1294.2,"end":1294.52,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.07087834179401398},{"word":"and","start":1294.52,"end":1294.6799,"confidence":0.9790039,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08647022396326065},{"word":"power","start":1294.6799,"end":1294.84,"confidence":0.9604492,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.10998140275478364},{"word":"of","start":1294.84,"end":1295.145,"confidence":0.88134766,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09616432338953018},{"word":"attorney","start":1295.225,"end":1295.385,"confidence":0.88134766,"punctuated_word":"attorney.","sentiment":"neutral","sentiment_score":0.06959554553031921},{"word":"if","start":1295.385,"end":1295.545,"confidence":0.9980469,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.06875341385602951},{"word":"you","start":1295.545,"end":1295.625,"confidence":0.984375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05772662162780762},{"word":"want","start":1295.625,"end":1295.865,"confidence":0.98095703,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.07145607471466064},{"word":"us","start":1295.865,"end":1296.025,"confidence":0.94921875,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.07030968368053436},{"word":"to","start":1296.025,"end":1296.105,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08111859858036041},{"word":"give","start":1296.105,"end":1296.265,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.07673177868127823},{"word":"you","start":1296.265,"end":1296.425,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10854395478963852},{"word":"some","start":1296.425,"end":1296.585,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.0884586051106453},{"word":"general","start":1296.585,"end":1296.985,"confidence":1.0,"punctuated_word":"general","sentiment":"neutral","sentiment_score":0.0907387062907219},{"word":"information","start":1296.985,"end":1297.485,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.08631602674722672},{"word":"for","start":1297.545,"end":1297.7051,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14445793628692627},{"word":"you","start":1297.7051,"end":1297.785,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13455352187156677},{"word":"to","start":1297.785,"end":1297.9451,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1227261871099472},{"word":"have","start":1297.9451,"end":1298.105,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1303664594888687},{"word":"a","start":1298.105,"end":1298.185,"confidence":0.97998047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11158344894647598},{"word":"think","start":1298.185,"end":1298.425,"confidence":0.99609375,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.08876019716262817},{"word":"about","start":1298.425,"end":1298.665,"confidence":0.86938477,"punctuated_word":"about,","sentiment":"neutral","sentiment_score":0.11679325997829436},{"word":"would","start":1298.665,"end":1298.8251,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.09313032776117323},{"word":"you","start":1298.8251,"end":1298.985,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09037649631500244},{"word":"like","start":1298.985,"end":1299.145,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.0752585232257843},{"word":"that","start":1299.145,"end":1299.385,"confidence":0.9970703,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.13339905440807345},{"word":"matthew","start":1299.385,"end":1299.885,"confidence":0.87768555,"punctuated_word":"Matthew?","sentiment":"neutral","sentiment_score":0.075614795088768},{"word":"yeah","start":1301.785,"end":1302.185,"confidence":0.94506836,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.3106836676597595},{"word":"beautiful","start":1302.185,"end":1302.685,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.7266300916671753},{"word":"i'll","start":1302.8251,"end":1303.0651,"confidence":1.0,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.5361906290054321},{"word":"organize","start":1303.0651,"end":1303.545,"confidence":0.99902344,"punctuated_word":"organize","sentiment":"positive","sentiment_score":0.5469024181365967},{"word":"that","start":1303.545,"end":1303.785,"confidence":0.89501953,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.606769323348999},{"word":"email","start":1303.785,"end":1304.185,"confidence":0.99902344,"punctuated_word":"email","sentiment":"positive","sentiment_score":0.6049780249595642},{"word":"for","start":1304.185,"end":1304.345,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.42408546805381775},{"word":"you","start":1304.345,"end":1304.505,"confidence":0.99853516,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.3936833441257477},{"word":"it's","start":1304.505,"end":1304.745,"confidence":0.9941406,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.32820403575897217},{"word":"not","start":1304.745,"end":1304.905,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.31924208998680115},{"word":"an","start":1304.905,"end":1305.145,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.29416167736053467},{"word":"issue","start":1305.145,"end":1305.465,"confidence":1.0,"punctuated_word":"issue","sentiment":"neutral","sentiment_score":0.20521362125873568},{"word":"at","start":1305.465,"end":1305.625,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.3424736559391022},{"word":"all","start":1305.625,"end":1306.125,"confidence":0.9995117,"punctuated_word":"all.","sentiment":"positive","sentiment_score":0.3761734366416931},{"word":"basically","start":1307.305,"end":1307.805,"confidence":0.8967285,"punctuated_word":"Basically,","sentiment":"neutral","sentiment_score":0.23702262341976169},{"word":"with","start":1307.865,"end":1308.105,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.20931287109851837},{"word":"where","start":1308.105,"end":1308.345,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.15300852060317993},{"word":"we","start":1308.345,"end":1308.505,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.21522600948810575},{"word":"are","start":1308.505,"end":1308.665,"confidence":0.99316406,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.21200871467590332},{"word":"at","start":1308.665,"end":1308.8251,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2358878254890442},{"word":"the","start":1308.8251,"end":1308.905,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2790420949459076},{"word":"moment","start":1308.905,"end":1309.405,"confidence":0.9995117,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.2485140562057495},{"word":"we'll","start":1309.61,"end":1309.77,"confidence":1.0,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.2516953945159912},{"word":"have","start":1309.77,"end":1309.93,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.28745266795158386},{"word":"another","start":1309.93,"end":1310.41,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.2474673837423325},{"word":"conversation","start":1310.41,"end":1310.91,"confidence":1.0,"punctuated_word":"conversation","sentiment":"neutral","sentiment_score":0.2376956194639206},{"word":"in","start":1311.05,"end":1311.29,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2086244523525238},{"word":"about","start":1311.29,"end":1311.61,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.2405478060245514},{"word":"four","start":1311.61,"end":1311.85,"confidence":0.99902344,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.29682958126068115},{"word":"weeks","start":1311.85,"end":1312.17,"confidence":0.9995117,"punctuated_word":"weeks.","sentiment":"neutral","sentiment_score":0.2901751399040222},{"word":"i'll","start":1312.17,"end":1312.41,"confidence":0.99365234,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.24865202605724335},{"word":"get","start":1312.41,"end":1312.5701,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2937178909778595},{"word":"sammy","start":1312.5701,"end":1312.89,"confidence":0.9003906,"punctuated_word":"Sammy","sentiment":"positive","sentiment_score":0.3408085107803345},{"word":"to","start":1312.89,"end":1313.05,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3137784004211426},{"word":"give","start":1313.05,"end":1313.2101,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.2643873393535614},{"word":"you","start":1313.2101,"end":1313.37,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3687416911125183},{"word":"a","start":1313.37,"end":1313.4501,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.32689371705055237},{"word":"call","start":1313.4501,"end":1313.6901,"confidence":1.0,"punctuated_word":"call","sentiment":"positive","sentiment_score":0.3477030396461487},{"word":"and","start":1313.6901,"end":1313.85,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.30917224287986755},{"word":"book","start":1313.85,"end":1314.01,"confidence":1.0,"punctuated_word":"book","sentiment":"neutral","sentiment_score":0.3260520100593567},{"word":"you","start":1314.01,"end":1314.17,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.34292900562286377},{"word":"in","start":1314.17,"end":1314.41,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.31284308433532715},{"word":"so","start":1314.41,"end":1314.5701,"confidence":0.94384766,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.3438260853290558},{"word":"we","start":1314.5701,"end":1314.73,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.32136258482933044},{"word":"can","start":1314.73,"end":1314.97,"confidence":0.9980469,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3919116258621216},{"word":"kinda","start":1314.97,"end":1315.2101,"confidence":0.94921875,"punctuated_word":"kinda","sentiment":"positive","sentiment_score":0.42565104365348816},{"word":"have","start":1315.2101,"end":1315.6901,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4875797927379608},{"word":"a","start":1315.6901,"end":1315.85,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.43720513582229614},{"word":"bit","start":1315.85,"end":1316.01,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.3385552763938904},{"word":"more","start":1316.01,"end":1316.17,"confidence":1.0,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.34175199270248413},{"word":"of","start":1316.17,"end":1316.3301,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4539826810359955},{"word":"a","start":1316.3301,"end":1316.41,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3955361247062683},{"word":"conversation","start":1316.41,"end":1316.91,"confidence":1.0,"punctuated_word":"conversation","sentiment":"positive","sentiment_score":0.3815365731716156},{"word":"around","start":1316.97,"end":1317.2101,"confidence":0.9980469,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.3289998769760132},{"word":"your","start":1317.2101,"end":1317.37,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3490637540817261},{"word":"goals","start":1317.37,"end":1317.6901,"confidence":1.0,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.23182301223278048},{"word":"and","start":1317.6901,"end":1317.85,"confidence":0.94970703,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3899535834789276},{"word":"what","start":1317.85,"end":1318.01,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.3944471478462219},{"word":"we're","start":1318.01,"end":1318.25,"confidence":1.0,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.3464123606681824},{"word":"looking","start":1318.25,"end":1318.49,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.290724515914917},{"word":"for","start":1318.49,"end":1318.81,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3192479610443115},{"word":"advice","start":1318.81,"end":1319.29,"confidence":0.94970703,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.1949140429496765},{"word":"wise","start":1319.29,"end":1319.77,"confidence":0.9951172,"punctuated_word":"wise","sentiment":"neutral","sentiment_score":0.30197203159332275},{"word":"both","start":1319.77,"end":1320.01,"confidence":0.53515625,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.2598923146724701},{"word":"inside","start":1320.01,"end":1320.49,"confidence":0.99902344,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":0.1763547658920288},{"word":"and","start":1320.49,"end":1320.73,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18182426691055295},{"word":"outside","start":1320.73,"end":1321.23,"confidence":0.9921875,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.17948812246322632},{"word":"super","start":1321.29,"end":1321.79,"confidence":0.93969727,"punctuated_word":"super.","sentiment":"positive","sentiment_score":0.3393564224243164},{"word":"you've","start":1322.535,"end":1322.6951,"confidence":0.9680176,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.20861278474330905},{"word":"got","start":1322.6951,"end":1323.015,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.22619672119617465},{"word":"a","start":1323.015,"end":1323.0951,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20832717418670657},{"word":"few","start":1323.0951,"end":1323.255,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.19259215891361237},{"word":"things","start":1323.255,"end":1323.5751,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.2010374218225479},{"word":"to","start":1323.5751,"end":1323.655,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19310592114925385},{"word":"think","start":1323.655,"end":1323.895,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.15972211956977844},{"word":"about","start":1323.895,"end":1324.055,"confidence":0.99609375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.16822579503059387},{"word":"with","start":1324.055,"end":1324.2151,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.17399229109287262},{"word":"the","start":1324.2151,"end":1324.375,"confidence":0.9326172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18360912799835205},{"word":"estate","start":1324.375,"end":1324.6951,"confidence":0.9716797,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.14693789184093475},{"word":"planning","start":1324.6951,"end":1325.175,"confidence":1.0,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.2004416137933731},{"word":"side","start":1325.175,"end":1325.415,"confidence":0.8803711,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.17477458715438843},{"word":"of","start":1325.415,"end":1325.5751,"confidence":0.9550781,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.25213614106178284},{"word":"things","start":1325.5751,"end":1325.8151,"confidence":0.9980469,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.2010573148727417},{"word":"there","start":1325.8151,"end":1326.135,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.20985206961631775},{"word":"as","start":1326.135,"end":1326.295,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1879999190568924},{"word":"well","start":1326.295,"end":1326.795,"confidence":0.8659668,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.19467823207378387},{"word":"and","start":1327.415,"end":1327.5751,"confidence":0.88964844,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.11160854995250702},{"word":"obviously","start":1327.5751,"end":1328.055,"confidence":1.0,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.0913817137479782},{"word":"there's","start":1328.055,"end":1328.295,"confidence":0.9663086,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.11112150549888612},{"word":"a","start":1328.295,"end":1328.375,"confidence":0.75683594,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11049480736255646},{"word":"lot","start":1328.375,"end":1328.535,"confidence":0.9980469,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.11868743598461153},{"word":"going","start":1328.535,"end":1328.775,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.12198963016271593},{"word":"on","start":1328.775,"end":1328.935,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11746951192617416},{"word":"with","start":1328.935,"end":1329.0951,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07383465766906738},{"word":"the","start":1329.0951,"end":1329.255,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08213122189044952},{"word":"sale","start":1329.255,"end":1329.5751,"confidence":0.9980469,"punctuated_word":"sale","sentiment":"neutral","sentiment_score":0.1032097190618515},{"word":"of","start":1329.5751,"end":1329.655,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10188855975866318},{"word":"your","start":1329.655,"end":1329.895,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08341225981712341},{"word":"property","start":1329.895,"end":1330.395,"confidence":0.9995117,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":0.08208085596561432},{"word":"goal","start":1331.655,"end":1331.895,"confidence":0.8959961,"punctuated_word":"Goal","sentiment":"neutral","sentiment_score":0.10879278928041458},{"word":"wise","start":1331.895,"end":1332.295,"confidence":0.9814453,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":0.11045411229133606},{"word":"i've","start":1332.295,"end":1332.535,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.12474285066127776},{"word":"got","start":1332.535,"end":1332.6951,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.14627796411514282},{"word":"down","start":1332.6951,"end":1332.935,"confidence":0.99121094,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.1455482542514801},{"word":"that","start":1332.935,"end":1333.0951,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11744837462902068},{"word":"we're","start":1333.0951,"end":1333.255,"confidence":0.98950195,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.10653950273990632},{"word":"sort","start":1333.255,"end":1333.495,"confidence":0.9902344,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.09636537730693816},{"word":"of","start":1333.495,"end":1333.5751,"confidence":0.9248047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13050228357315063},{"word":"looking","start":1333.5751,"end":1333.895,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.11289802193641664},{"word":"to","start":1333.895,"end":1334.055,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16299502551555634},{"word":"invest","start":1334.055,"end":1334.375,"confidence":0.9970703,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.1018545627593994},{"word":"in","start":1334.375,"end":1334.61,"confidence":0.98828125,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10082778334617616},{"word":"outside","start":1334.77,"end":1335.09,"confidence":0.9970703,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.12844973802566528},{"word":"of","start":1335.09,"end":1335.25,"confidence":0.99121094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12178683280944824},{"word":"super","start":1335.25,"end":1335.57,"confidence":0.8959961,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.17417526245117188},{"word":"you're","start":1335.57,"end":1335.8099,"confidence":0.99560547,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.12885180115699768},{"word":"sort","start":1335.8099,"end":1335.97,"confidence":0.9970703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1083904430270195},{"word":"of","start":1335.97,"end":1336.13,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1552765816450119},{"word":"looking","start":1336.13,"end":1336.45,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.13798443973064425},{"word":"to","start":1336.45,"end":1336.61,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17418013513088226},{"word":"see","start":1336.61,"end":1336.85,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.16433089971542358},{"word":"where","start":1336.85,"end":1337.09,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.13201595842838287},{"word":"things","start":1337.09,"end":1337.33,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.18298226594924927},{"word":"are","start":1337.33,"end":1337.49,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.19070357084274292},{"word":"tracking","start":1337.49,"end":1337.8099,"confidence":1.0,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.2210175096988678},{"word":"and","start":1337.8099,"end":1338.29,"confidence":0.96972656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24363403022289276},{"word":"how","start":1338.29,"end":1338.61,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.2857944965362549},{"word":"we","start":1338.61,"end":1338.77,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2788037657737732},{"word":"can","start":1338.77,"end":1338.9299,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.30524641275405884},{"word":"build","start":1338.9299,"end":1339.17,"confidence":1.0,"punctuated_word":"build","sentiment":"neutral","sentiment_score":0.2655937373638153},{"word":"wealth","start":1339.17,"end":1339.67,"confidence":0.9921875,"punctuated_word":"wealth","sentiment":"neutral","sentiment_score":0.320904940366745},{"word":"both","start":1339.73,"end":1340.13,"confidence":0.85595703,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.27436599135398865},{"word":"with","start":1340.13,"end":1340.45,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.28339338302612305},{"word":"super","start":1340.45,"end":1340.77,"confidence":0.9902344,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2454044222831726},{"word":"and","start":1340.77,"end":1341.01,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21307049691677096},{"word":"externally","start":1341.01,"end":1341.51,"confidence":0.9980469,"punctuated_word":"externally","sentiment":"neutral","sentiment_score":0.21560949087142944},{"word":"over","start":1341.65,"end":1341.89,"confidence":0.9980469,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.2605913281440735},{"word":"the","start":1341.89,"end":1342.0499,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2584711015224457},{"word":"next","start":1342.0499,"end":1342.37,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.1725253015756607},{"word":"five","start":1342.37,"end":1342.69,"confidence":0.99902344,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.16171199083328247},{"word":"to","start":1342.69,"end":1342.85,"confidence":0.98291016,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14612984657287598},{"word":"ten","start":1342.85,"end":1343.09,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.21319511532783508},{"word":"years","start":1343.09,"end":1343.59,"confidence":0.9602051,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.207620233297348},{"word":"and","start":1343.8099,"end":1343.97,"confidence":0.9921875,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.15232066810131073},{"word":"with","start":1343.97,"end":1344.13,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14419147372245789},{"word":"your","start":1344.13,"end":1344.37,"confidence":0.9921875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17035141587257385},{"word":"super","start":1344.37,"end":1344.69,"confidence":0.99316406,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.19353559613227844},{"word":"we're","start":1344.69,"end":1344.9299,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.16743096709251404},{"word":"tracking","start":1344.9299,"end":1345.25,"confidence":0.99902344,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.1680125743150711},{"word":"for","start":1345.25,"end":1345.49,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.19037756323814392},{"word":"a","start":1345.49,"end":1345.57,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2063203901052475},{"word":"goal","start":1345.57,"end":1345.8099,"confidence":0.99902344,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.15454024076461792},{"word":"of","start":1345.8099,"end":1346.0499,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22022613883018496},{"word":"accessing","start":1346.0499,"end":1346.5499,"confidence":0.9970703,"punctuated_word":"accessing","sentiment":"neutral","sentiment_score":0.14651766419410706},{"word":"60","start":1346.77,"end":1347.25,"confidence":0.8154297,"punctuated_word":"60","sentiment":"neutral","sentiment_score":0.16773831844329834},{"word":"to","start":1347.25,"end":1347.41,"confidence":0.9536133,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20144835114479065},{"word":"give","start":1347.41,"end":1347.57,"confidence":0.9980469,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.16965867578983307},{"word":"you","start":1347.57,"end":1347.65,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22205451130867004},{"word":"that","start":1347.65,"end":1347.89,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20477527379989624},{"word":"option","start":1347.89,"end":1348.29,"confidence":1.0,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.11973575502634048},{"word":"there","start":1348.29,"end":1348.785,"confidence":0.9995117,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.14638951420783997},{"word":"am","start":1349.105,"end":1349.265,"confidence":0.96777344,"punctuated_word":"Am","sentiment":"neutral","sentiment_score":0.0161411315202713},{"word":"i","start":1349.265,"end":1349.425,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.018527928739786148},{"word":"missing","start":1349.425,"end":1349.905,"confidence":0.9980469,"punctuated_word":"missing","sentiment":"neutral","sentiment_score":0.010468941181898115},{"word":"anything","start":1349.905,"end":1350.405,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.03396780788898468},{"word":"goal","start":1350.4651,"end":1350.7051,"confidence":0.9326172,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.027294058352708817},{"word":"wise","start":1350.7051,"end":1351.105,"confidence":0.9770508,"punctuated_word":"wise","sentiment":"neutral","sentiment_score":0.019037488847970963},{"word":"or","start":1351.105,"end":1351.265,"confidence":0.80810547,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.028740357607603073},{"word":"with","start":1351.265,"end":1351.425,"confidence":0.98828125,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.004819292575120926},{"word":"any","start":1351.425,"end":1351.5851,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.037126731127500534},{"word":"of","start":1351.5851,"end":1351.745,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03717926889657974},{"word":"this","start":1351.745,"end":1351.985,"confidence":0.93188477,"punctuated_word":"this?","sentiment":"neutral","sentiment_score":0.05407056584954262},{"word":"is","start":1351.985,"end":1352.145,"confidence":0.9980469,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.02011064626276493},{"word":"there","start":1352.145,"end":1352.305,"confidence":0.9970703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.04432731494307518},{"word":"anything","start":1352.305,"end":1352.625,"confidence":0.9980469,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.05001656338572502},{"word":"else","start":1352.625,"end":1352.865,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.02205118164420128},{"word":"that","start":1352.865,"end":1353.025,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03090978786349297},{"word":"you","start":1353.025,"end":1353.185,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.016903338953852654},{"word":"kind","start":1353.185,"end":1353.3451,"confidence":0.9350586,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.04389820620417595},{"word":"of","start":1353.3451,"end":1353.505,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.052971430122852325},{"word":"wanted","start":1353.505,"end":1353.745,"confidence":0.9580078,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.0550985187292099},{"word":"me","start":1353.745,"end":1353.905,"confidence":0.9980469,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.042698368430137634},{"word":"to","start":1353.905,"end":1354.225,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05923561006784439},{"word":"incorporate","start":1354.225,"end":1354.725,"confidence":0.9194336,"punctuated_word":"incorporate?","sentiment":"neutral","sentiment_score":0.035345304757356644},{"word":"or","start":1355.105,"end":1355.605,"confidence":0.9580078,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.04259711503982544},{"word":"no","start":1357.505,"end":1358.005,"confidence":0.6386719,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.2101433277130127},{"word":"no","start":1361.8401,"end":1362.3401,"confidence":0.63171387,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09479975700378418},{"word":"absolutely","start":1364.24,"end":1364.74,"confidence":0.95458984,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.08061899244785309},{"word":"yeah","start":1365.3601,"end":1365.8601,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11701048910617828},{"word":"yep","start":1366.9601,"end":1367.4601,"confidence":0.86865234,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07097478210926056},{"word":"no","start":1367.68,"end":1368.0,"confidence":0.9741211,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.04085541516542435},{"word":"perfect","start":1368.0,"end":1368.5,"confidence":0.9980469,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.27301710844039917},{"word":"perfect","start":1368.64,"end":1368.88,"confidence":0.9562988,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3403790593147278},{"word":"i","start":1368.88,"end":1368.9601,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.24912896752357483},{"word":"feel","start":1368.9601,"end":1369.2001,"confidence":1.0,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.2798440456390381},{"word":"like","start":1369.2001,"end":1369.28,"confidence":0.9951172,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.3566124737262726},{"word":"it","start":1369.28,"end":1369.4401,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3428550660610199},{"word":"is","start":1369.4401,"end":1369.6001,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.31969428062438965},{"word":"good","start":1369.6001,"end":1369.76,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.3823208808898926},{"word":"to","start":1369.76,"end":1369.92,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3536432981491089},{"word":"just","start":1369.92,"end":1370.24,"confidence":1.0,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3400813043117523},{"word":"let","start":1370.24,"end":1370.4,"confidence":0.9980469,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.3795180022716522},{"word":"you","start":1370.4,"end":1370.56,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.33461058139801025},{"word":"go","start":1370.56,"end":1370.8,"confidence":1.0,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.34760576486587524},{"word":"through","start":1370.8,"end":1371.04,"confidence":1.0,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.4020814299583435},{"word":"this","start":1371.04,"end":1371.28,"confidence":0.9873047,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.3689535260200501},{"word":"settlement","start":1371.28,"end":1371.76,"confidence":1.0,"punctuated_word":"settlement","sentiment":"neutral","sentiment_score":0.33096620440483093},{"word":"process","start":1371.76,"end":1372.16,"confidence":1.0,"punctuated_word":"process","sentiment":"neutral","sentiment_score":0.3061298727989197},{"word":"first","start":1372.16,"end":1372.56,"confidence":0.9160156,"punctuated_word":"first,","sentiment":"neutral","sentiment_score":0.2911171317100525},{"word":"work","start":1372.56,"end":1372.8,"confidence":0.9892578,"punctuated_word":"work","sentiment":"positive","sentiment_score":0.34867966175079346},{"word":"out","start":1372.8,"end":1373.04,"confidence":0.9902344,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.35475724935531616},{"word":"where","start":1373.04,"end":1373.2001,"confidence":0.99902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.325184166431427},{"word":"things","start":1373.2001,"end":1373.52,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.3277684450149536},{"word":"are","start":1373.52,"end":1373.68,"confidence":0.9970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.29559722542762756},{"word":"up","start":1373.68,"end":1373.8401,"confidence":1.0,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.3435690999031067},{"word":"to","start":1373.8401,"end":1374.0,"confidence":0.99609375,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.336777925491333},{"word":"once","start":1374.0,"end":1374.3201,"confidence":0.9301758,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.2692512571811676},{"word":"you","start":1374.3201,"end":1374.4801,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2608923017978668},{"word":"go","start":1374.4801,"end":1374.8,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.27405208349227905},{"word":"through","start":1374.8,"end":1375.04,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2743105888366699},{"word":"that","start":1375.04,"end":1375.54,"confidence":0.79418945,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.25731000304222107},{"word":"look","start":1375.6549,"end":1375.735,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.20190614461898804},{"word":"at","start":1375.735,"end":1375.975,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.18492093682289124},{"word":"what","start":1375.975,"end":1376.0549,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1673850119113922},{"word":"your","start":1376.0549,"end":1376.215,"confidence":0.97802734,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12864485383033752},{"word":"expendable","start":1376.215,"end":1376.715,"confidence":0.9890137,"punctuated_word":"expendable","sentiment":"neutral","sentiment_score":0.1275712549686432},{"word":"cash","start":1376.855,"end":1377.095,"confidence":0.9921875,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.16112184524536133},{"word":"is","start":1377.095,"end":1377.335,"confidence":0.98535156,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.13705170154571533},{"word":"look","start":1377.335,"end":1377.495,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.14579029381275177},{"word":"at","start":1377.495,"end":1377.6549,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.15839137136936188},{"word":"what","start":1377.6549,"end":1377.815,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.18394124507904053},{"word":"your","start":1377.815,"end":1378.315,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1409698724746704},{"word":"income","start":1378.375,"end":1378.7749,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.14029312133789062},{"word":"looks","start":1378.7749,"end":1379.0149,"confidence":0.99902344,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.10262194275856018},{"word":"like","start":1379.0149,"end":1379.255,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.14464740455150604},{"word":"what","start":1379.255,"end":1379.4149,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2130207121372223},{"word":"your","start":1379.4149,"end":1379.735,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15265882015228271},{"word":"circumstances","start":1379.735,"end":1380.235,"confidence":0.9970703,"punctuated_word":"circumstances","sentiment":"neutral","sentiment_score":0.18724049627780912},{"word":"then","start":1380.455,"end":1380.615,"confidence":0.8256836,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.24294951558113095},{"word":"also","start":1380.615,"end":1380.9349,"confidence":0.9038086,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.21611124277114868},{"word":"look","start":1380.9349,"end":1381.1749,"confidence":0.9892578,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.14828471839427948},{"word":"like","start":1381.1749,"end":1381.495,"confidence":0.9289551,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":0.21349084377288816},{"word":"that","start":1381.495,"end":1381.735,"confidence":0.9980469,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.2720816433429718},{"word":"way","start":1381.735,"end":1381.975,"confidence":0.81347656,"punctuated_word":"way,","sentiment":"positive","sentiment_score":0.38106924295425415},{"word":"the","start":1381.975,"end":1382.135,"confidence":0.99609375,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.43022969365119934},{"word":"advice","start":1382.135,"end":1382.455,"confidence":0.9658203,"punctuated_word":"advice","sentiment":"positive","sentiment_score":0.393976628780365},{"word":"we","start":1382.455,"end":1382.695,"confidence":0.9790039,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3947032690048218},{"word":"do","start":1382.695,"end":1382.9349,"confidence":0.99902344,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.4217362403869629},{"word":"provide","start":1382.9349,"end":1383.335,"confidence":1.0,"punctuated_word":"provide","sentiment":"positive","sentiment_score":0.43230339884758},{"word":"is","start":1383.335,"end":1383.575,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.35002613067626953},{"word":"accurate","start":1383.575,"end":1384.0549,"confidence":1.0,"punctuated_word":"accurate","sentiment":"positive","sentiment_score":0.3742372393608093},{"word":"and","start":1384.0549,"end":1384.2949,"confidence":0.9980469,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3591455817222595},{"word":"in","start":1384.2949,"end":1384.455,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4039694368839264},{"word":"your","start":1384.455,"end":1384.695,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4361388087272644},{"word":"best","start":1384.695,"end":1385.0149,"confidence":1.0,"punctuated_word":"best","sentiment":"positive","sentiment_score":0.3701319396495819},{"word":"interest","start":1385.0149,"end":1385.5149,"confidence":0.98779297,"punctuated_word":"interest.","sentiment":"neutral","sentiment_score":0.2895011901855469},{"word":"otherwise","start":1385.8949,"end":1386.3949,"confidence":0.81152344,"punctuated_word":"Otherwise,","sentiment":"neutral","sentiment_score":0.07587695866823196},{"word":"doing","start":1386.5349,"end":1386.7749,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.12813428044319153},{"word":"that","start":1386.7749,"end":1387.0149,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08503839373588562},{"word":"now","start":1387.0149,"end":1387.335,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.12184005975723268},{"word":"and","start":1387.335,"end":1387.495,"confidence":0.95947266,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0719115138053894},{"word":"then","start":1387.495,"end":1387.6549,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.0436663031578064},{"word":"having","start":1387.6549,"end":1387.975,"confidence":0.99902344,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.1109064519405365},{"word":"things","start":1387.975,"end":1388.215,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.14036515355110168},{"word":"change","start":1388.215,"end":1388.5349,"confidence":0.98095703,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.17848892509937286},{"word":"in","start":1388.5349,"end":1388.695,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.11602595448493958},{"word":"four","start":1388.695,"end":1388.9349,"confidence":0.9951172,"punctuated_word":"four","sentiment":"neutral","sentiment_score":-0.105423666536808},{"word":"weeks","start":1388.9349,"end":1389.1749,"confidence":1.0,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":-0.0943261906504631},{"word":"means","start":1389.1749,"end":1389.495,"confidence":0.9941406,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.12875115871429443},{"word":"we","start":1389.495,"end":1389.575,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.07962919771671295},{"word":"have","start":1389.575,"end":1389.815,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.12844179570674896},{"word":"to","start":1389.815,"end":1389.8949,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12868192791938782},{"word":"go","start":1389.8949,"end":1390.0549,"confidence":0.9921875,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.14642928540706637},{"word":"back","start":1390.0549,"end":1390.35,"confidence":0.98095703,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.15927478671073914},{"word":"and","start":1390.51,"end":1390.59,"confidence":0.9667969,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2100827842950821},{"word":"reevaluate","start":1390.59,"end":1391.09,"confidence":0.99853516,"punctuated_word":"reevaluate","sentiment":"neutral","sentiment_score":-0.1750776767730713},{"word":"the","start":1391.23,"end":1391.39,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1964994519948959},{"word":"advice","start":1391.39,"end":1391.7899,"confidence":0.9902344,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.25133293867111206},{"word":"if","start":1391.7899,"end":1392.03,"confidence":0.9892578,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.20957501232624057},{"word":"it's","start":1392.03,"end":1392.27,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.2440629005432129},{"word":"no","start":1392.27,"end":1392.4299,"confidence":0.9980469,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.31755977869033813},{"word":"longer","start":1392.4299,"end":1392.75,"confidence":1.0,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":-0.30187278985977173},{"word":"in","start":1392.75,"end":1392.91,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.23885507881641388},{"word":"your","start":1392.91,"end":1393.15,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.15025147795677185},{"word":"best","start":1393.15,"end":1393.39,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":-0.1663113683462143},{"word":"interest","start":1393.39,"end":1393.87,"confidence":0.98095703,"punctuated_word":"interest.","sentiment":"neutral","sentiment_score":-0.14530225098133087},{"word":"so","start":1393.87,"end":1394.35,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.021778032183647156},{"word":"i","start":1394.35,"end":1394.59,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08580854535102844},{"word":"do","start":1394.59,"end":1394.99,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0868540108203888},{"word":"personally","start":1394.99,"end":1395.49,"confidence":0.6010742,"punctuated_word":"personally","sentiment":"neutral","sentiment_score":0.10689174383878708},{"word":"like","start":1395.63,"end":1395.87,"confidence":0.9980469,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.11496520042419434},{"word":"to","start":1395.87,"end":1395.95,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10862309485673904},{"word":"make","start":1395.95,"end":1396.19,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.09491945803165436},{"word":"sure","start":1396.19,"end":1396.4299,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.13973301649093628},{"word":"that","start":1396.4299,"end":1396.6699,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22449755668640137},{"word":"when","start":1396.6699,"end":1396.91,"confidence":0.99316406,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.2093794941902161},{"word":"we","start":1396.91,"end":1396.99,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1967048346996307},{"word":"are","start":1396.99,"end":1397.49,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.16197063028812408},{"word":"providing","start":1397.5499,"end":1398.0499,"confidence":0.84277344,"punctuated_word":"providing","sentiment":"neutral","sentiment_score":0.16666314005851746},{"word":"advice","start":1398.11,"end":1398.51,"confidence":0.9873047,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.2009013444185257},{"word":"that","start":1398.51,"end":1398.6699,"confidence":0.6254883,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1752862185239792},{"word":"it","start":1398.6699,"end":1398.83,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.22098806500434875},{"word":"is","start":1398.83,"end":1399.07,"confidence":0.9873047,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1725446879863739},{"word":"in","start":1399.07,"end":1399.15,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16435587406158447},{"word":"your","start":1399.15,"end":1399.3099,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.23656751215457916},{"word":"best","start":1399.3099,"end":1399.63,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.1361918747425079},{"word":"interest","start":1399.63,"end":1399.95,"confidence":0.99316406,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.15017345547676086},{"word":"that","start":1399.95,"end":1400.11,"confidence":0.64208984,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22545351088047028},{"word":"we","start":1400.11,"end":1400.27,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2283986508846283},{"word":"are","start":1400.27,"end":1400.51,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.23219642043113708},{"word":"factoring","start":1400.51,"end":1400.99,"confidence":0.9995117,"punctuated_word":"factoring","sentiment":"neutral","sentiment_score":0.24824780225753784},{"word":"in","start":1400.99,"end":1401.07,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20974355936050415},{"word":"all","start":1401.07,"end":1401.23,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2120322287082672},{"word":"of","start":1401.23,"end":1401.3099,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1873441636562347},{"word":"your","start":1401.3099,"end":1401.63,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15327972173690796},{"word":"circumstances","start":1401.63,"end":1402.13,"confidence":0.78466797,"punctuated_word":"circumstances.","sentiment":"neutral","sentiment_score":0.2013472616672516},{"word":"and","start":1402.755,"end":1402.915,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.16699041426181793},{"word":"if","start":1402.915,"end":1403.155,"confidence":0.82666016,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12814518809318542},{"word":"there's","start":1403.155,"end":1403.235,"confidence":0.9946289,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.1387559473514557},{"word":"an","start":1403.235,"end":1403.555,"confidence":0.9838867,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.11819704622030258},{"word":"expected","start":1403.555,"end":1404.035,"confidence":0.9951172,"punctuated_word":"expected","sentiment":"neutral","sentiment_score":0.08739714324474335},{"word":"change","start":1404.035,"end":1404.355,"confidence":1.0,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.06168830394744873},{"word":"in","start":1404.355,"end":1404.515,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04879330098628998},{"word":"the","start":1404.515,"end":1404.675,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11332303285598756},{"word":"short","start":1404.675,"end":1404.915,"confidence":1.0,"punctuated_word":"short","sentiment":"neutral","sentiment_score":0.08977536112070084},{"word":"term","start":1404.915,"end":1405.155,"confidence":0.9980469,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.16146211326122284},{"word":"that","start":1405.155,"end":1405.3151,"confidence":0.73046875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1474871188402176},{"word":"we","start":1405.3151,"end":1405.555,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1607397347688675},{"word":"do","start":1405.555,"end":1405.795,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.14570116996765137},{"word":"note","start":1405.795,"end":1406.115,"confidence":0.5151367,"punctuated_word":"note","sentiment":"neutral","sentiment_score":0.1556810885667801},{"word":"and","start":1406.115,"end":1406.435,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12370254099369048},{"word":"recognize","start":1406.435,"end":1406.935,"confidence":0.99902344,"punctuated_word":"recognize","sentiment":"neutral","sentiment_score":0.11628308147192},{"word":"that","start":1406.995,"end":1407.3151,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.163519486784935},{"word":"for","start":1407.3151,"end":1407.555,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14419910311698914},{"word":"you","start":1407.555,"end":1407.875,"confidence":0.8601074,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.15635007619857788},{"word":"so","start":1407.875,"end":1408.375,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3246793746948242},{"word":"i","start":1408.755,"end":1408.995,"confidence":0.60595703,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.46385616064071655},{"word":"definitely","start":1408.995,"end":1409.3151,"confidence":0.99609375,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.4917544424533844},{"word":"think","start":1409.3151,"end":1409.475,"confidence":0.99902344,"punctuated_word":"think","sentiment":"positive","sentiment_score":0.4781472086906433},{"word":"this","start":1409.475,"end":1409.635,"confidence":0.9980469,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.5444779992103577},{"word":"is","start":1409.635,"end":1409.795,"confidence":0.9970703,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4880845844745636},{"word":"the","start":1409.795,"end":1409.875,"confidence":0.9902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4770100116729736},{"word":"best","start":1409.875,"end":1410.195,"confidence":1.0,"punctuated_word":"best","sentiment":"positive","sentiment_score":0.4405731856822967},{"word":"course","start":1410.195,"end":1410.355,"confidence":0.9921875,"punctuated_word":"course","sentiment":"positive","sentiment_score":0.572723925113678},{"word":"of","start":1410.355,"end":1410.515,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5676012635231018},{"word":"action","start":1410.515,"end":1410.915,"confidence":0.96655273,"punctuated_word":"action,","sentiment":"positive","sentiment_score":0.5739036798477173},{"word":"but","start":1410.915,"end":1411.075,"confidence":1.0,"punctuated_word":"but","sentiment":"positive","sentiment_score":0.5343341827392578},{"word":"i'm","start":1411.075,"end":1411.235,"confidence":1.0,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.6210594177246094},{"word":"really","start":1411.235,"end":1411.475,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.6501820683479309},{"word":"looking","start":1411.475,"end":1411.715,"confidence":1.0,"punctuated_word":"looking","sentiment":"positive","sentiment_score":0.6564714908599854},{"word":"forward","start":1411.715,"end":1411.955,"confidence":0.99902344,"punctuated_word":"forward","sentiment":"positive","sentiment_score":0.7428203225135803},{"word":"to","start":1411.955,"end":1412.115,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.8039612174034119},{"word":"putting","start":1412.115,"end":1412.435,"confidence":0.99902344,"punctuated_word":"putting","sentiment":"positive","sentiment_score":0.8195594549179077},{"word":"this","start":1412.435,"end":1412.595,"confidence":0.9707031,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.8082515001296997},{"word":"together","start":1412.595,"end":1412.995,"confidence":1.0,"punctuated_word":"together","sentiment":"positive","sentiment_score":0.804219663143158},{"word":"for","start":1412.995,"end":1413.155,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.8027827143669128},{"word":"you","start":1413.155,"end":1413.3151,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7300689816474915},{"word":"and","start":1413.3151,"end":1413.715,"confidence":0.9819336,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6730796098709106},{"word":"running","start":1413.715,"end":1414.035,"confidence":1.0,"punctuated_word":"running","sentiment":"positive","sentiment_score":0.7300339341163635},{"word":"the","start":1414.035,"end":1414.195,"confidence":0.98535156,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6917902827262878},{"word":"projections","start":1414.195,"end":1414.695,"confidence":0.63964844,"punctuated_word":"projections","sentiment":"positive","sentiment_score":0.7261034250259399},{"word":"and","start":1414.755,"end":1414.995,"confidence":0.44433594,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.680245578289032},{"word":"seeing","start":1414.995,"end":1415.3151,"confidence":0.9863281,"punctuated_word":"seeing","sentiment":"positive","sentiment_score":0.7085028886795044},{"word":"what","start":1415.3151,"end":1415.475,"confidence":0.99902344,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.6402956247329712},{"word":"we","start":1415.475,"end":1415.635,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.567195475101471},{"word":"can","start":1415.635,"end":1415.795,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.6504477858543396},{"word":"come","start":1415.795,"end":1416.035,"confidence":0.99316406,"punctuated_word":"come","sentiment":"positive","sentiment_score":0.640709638595581},{"word":"up","start":1416.035,"end":1416.195,"confidence":0.9980469,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.5707504153251648},{"word":"with","start":1416.195,"end":1416.63,"confidence":0.97802734,"punctuated_word":"with.","sentiment":"positive","sentiment_score":0.47705549001693726},{"word":"so","start":1416.71,"end":1417.11,"confidence":0.9580078,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4996067881584167},{"word":"i'm","start":1417.11,"end":1417.43,"confidence":0.99609375,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.6724370718002319},{"word":"very","start":1417.43,"end":1417.75,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.7243192791938782},{"word":"excited","start":1417.75,"end":1418.25,"confidence":0.9995117,"punctuated_word":"excited.","sentiment":"positive","sentiment_score":0.7513719797134399},{"word":"it'd","start":1418.39,"end":1418.47,"confidence":0.77978516,"punctuated_word":"It'd","sentiment":"positive","sentiment_score":0.6838826537132263},{"word":"be","start":1418.47,"end":1418.63,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.7194175124168396},{"word":"good","start":1418.63,"end":1419.13,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5964290499687195},{"word":"fantastic","start":1421.99,"end":1422.49,"confidence":0.99194336,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.7129237055778503},{"word":"i've","start":1424.23,"end":1424.47,"confidence":0.82543945,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.585739016532898},{"word":"confirmed","start":1424.47,"end":1424.87,"confidence":0.8598633,"punctuated_word":"confirmed","sentiment":"positive","sentiment_score":0.5734103322029114},{"word":"that","start":1424.87,"end":1425.03,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5557720065116882},{"word":"your","start":1425.03,"end":1425.1901,"confidence":0.9951172,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5454586148262024},{"word":"insurance","start":1425.1901,"end":1425.59,"confidence":0.8618164,"punctuated_word":"insurance","sentiment":"positive","sentiment_score":0.6650394201278687},{"word":"is","start":1425.59,"end":1425.83,"confidence":0.9892578,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5036924481391907},{"word":"all","start":1425.83,"end":1425.99,"confidence":0.9526367,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.6071794033050537},{"word":"good","start":1425.99,"end":1426.15,"confidence":0.98461914,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4783177971839905},{"word":"there's","start":1426.15,"end":1426.47,"confidence":1.0,"punctuated_word":"There's","sentiment":"positive","sentiment_score":0.34727758169174194},{"word":"no","start":1426.47,"end":1426.63,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.23893766105175016},{"word":"changes","start":1426.63,"end":1427.03,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.14961972832679749},{"word":"there","start":1427.03,"end":1427.27,"confidence":0.82592773,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.29485809803009033},{"word":"but","start":1427.27,"end":1427.43,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.20187708735466003},{"word":"in","start":1427.43,"end":1427.51,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0810542032122612},{"word":"the","start":1427.51,"end":1427.67,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17041385173797607},{"word":"next","start":1427.67,"end":1427.91,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.15436020493507385},{"word":"sort","start":1427.91,"end":1428.07,"confidence":0.9633789,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1652252972126007},{"word":"of","start":1428.07,"end":1428.15,"confidence":0.88964844,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19914394617080688},{"word":"couple","start":1428.15,"end":1428.39,"confidence":0.9873047,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.16000723838806152},{"word":"of","start":1428.39,"end":1428.55,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21107912063598633},{"word":"weeks","start":1428.55,"end":1428.71,"confidence":0.99560547,"punctuated_word":"weeks,","sentiment":"neutral","sentiment_score":0.18252207338809967},{"word":"if","start":1428.71,"end":1428.87,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2298666387796402},{"word":"you","start":1428.87,"end":1429.03,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19946014881134033},{"word":"do","start":1429.03,"end":1429.27,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1958371102809906},{"word":"think","start":1429.27,"end":1429.51,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.12084286659955978},{"word":"about","start":1429.51,"end":1429.83,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.11184122413396835},{"word":"anything","start":1429.83,"end":1430.15,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.19129464030265808},{"word":"that","start":1430.15,"end":1430.31,"confidence":0.984375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12922576069831848},{"word":"comes","start":1430.31,"end":1430.63,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.13979972898960114},{"word":"up","start":1430.63,"end":1430.79,"confidence":0.984375,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.07921767979860306},{"word":"or","start":1430.79,"end":1431.03,"confidence":0.9482422,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.09721378237009048},{"word":"you","start":1431.03,"end":1431.1901,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15294377505779266},{"word":"wanna","start":1431.1901,"end":1431.51,"confidence":0.9902344,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1831674575805664},{"word":"reassess","start":1431.51,"end":1432.01,"confidence":1.0,"punctuated_word":"reassess","sentiment":"neutral","sentiment_score":0.08155207335948944},{"word":"them","start":1432.07,"end":1432.57,"confidence":0.99902344,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.07276789844036102},{"word":"or","start":1433.005,"end":1433.085,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05410982668399811},{"word":"you","start":1433.085,"end":1433.325,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00112789124250412},{"word":"feel","start":1433.325,"end":1433.565,"confidence":0.9951172,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.04599244147539139},{"word":"like","start":1433.565,"end":1433.645,"confidence":0.9614258,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.029866330325603485},{"word":"the","start":1433.645,"end":1433.8049,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02968987077474594},{"word":"levels","start":1433.8049,"end":1434.125,"confidence":0.9980469,"punctuated_word":"levels","sentiment":"neutral","sentiment_score":-0.011842921376228333},{"word":"of","start":1434.125,"end":1434.285,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03165857493877411},{"word":"cover","start":1434.285,"end":1434.605,"confidence":0.99609375,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.00604267418384552},{"word":"aren't","start":1434.605,"end":1434.9249,"confidence":0.9946289,"punctuated_word":"aren't","sentiment":"neutral","sentiment_score":0.11510668694972992},{"word":"accurate","start":1434.9249,"end":1435.325,"confidence":0.9746094,"punctuated_word":"accurate,","sentiment":"neutral","sentiment_score":0.059409044682979584},{"word":"just","start":1435.325,"end":1435.565,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07207780331373215},{"word":"sort","start":1435.565,"end":1435.725,"confidence":0.99316406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.10307566821575163},{"word":"of","start":1435.725,"end":1435.8049,"confidence":0.61328125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14821335673332214},{"word":"note","start":1435.8049,"end":1436.0449,"confidence":0.99902344,"punctuated_word":"note","sentiment":"neutral","sentiment_score":0.1042909324169159},{"word":"down","start":1436.0449,"end":1436.205,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.0871124193072319},{"word":"some","start":1436.205,"end":1436.445,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.11166054010391235},{"word":"questions","start":1436.445,"end":1436.845,"confidence":0.9177246,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.13006453216075897},{"word":"and","start":1436.845,"end":1437.005,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1650964617729187},{"word":"we","start":1437.005,"end":1437.165,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1914544552564621},{"word":"can","start":1437.165,"end":1437.405,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.19068460166454315},{"word":"always","start":1437.405,"end":1437.645,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.19852681457996368},{"word":"go","start":1437.645,"end":1437.885,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.18172839283943176},{"word":"through","start":1437.885,"end":1438.365,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.14112912118434906},{"word":"those","start":1438.365,"end":1438.605,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.17257390916347504},{"word":"again","start":1438.605,"end":1439.005,"confidence":0.9980469,"punctuated_word":"again","sentiment":"neutral","sentiment_score":0.1783385872840881},{"word":"when","start":1439.005,"end":1439.245,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1640932708978653},{"word":"we","start":1439.245,"end":1439.405,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13504165410995483},{"word":"speak","start":1439.405,"end":1439.645,"confidence":0.9941406,"punctuated_word":"speak","sentiment":"neutral","sentiment_score":0.14633242785930634},{"word":"in","start":1439.645,"end":1439.8049,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14025923609733582},{"word":"about","start":1439.8049,"end":1440.125,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.14701563119888306},{"word":"four","start":1440.125,"end":1440.365,"confidence":0.99902344,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.17675678431987762},{"word":"weeks","start":1440.365,"end":1440.605,"confidence":1.0,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":0.13157278299331665},{"word":"there","start":1440.605,"end":1441.105,"confidence":0.9980469,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.15229880809783936},{"word":"is","start":1441.8049,"end":1441.965,"confidence":0.8730469,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.05503449589014053},{"word":"there","start":1441.965,"end":1442.205,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.0716581642627716},{"word":"any","start":1442.205,"end":1442.445,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.08145493268966675},{"word":"other","start":1442.445,"end":1442.765,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.07808013260364532},{"word":"goals","start":1442.765,"end":1443.005,"confidence":0.99902344,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.07738472521305084},{"word":"or","start":1443.005,"end":1443.245,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.08397851884365082},{"word":"anything","start":1443.245,"end":1443.485,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.09862513840198515},{"word":"else","start":1443.485,"end":1443.8049,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.10721243172883987},{"word":"that","start":1443.8049,"end":1443.965,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08695469051599503},{"word":"sort","start":1443.965,"end":1444.205,"confidence":0.9536133,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.10330852121114732},{"word":"of","start":1444.205,"end":1444.365,"confidence":0.5620117,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10769964754581451},{"word":"come","start":1444.365,"end":1444.525,"confidence":0.9667969,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.109486386179924},{"word":"to","start":1444.525,"end":1444.605,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0836753100156784},{"word":"mind","start":1444.605,"end":1444.9249,"confidence":1.0,"punctuated_word":"mind","sentiment":"neutral","sentiment_score":0.11379066109657288},{"word":"over","start":1444.9249,"end":1445.165,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.09787799417972563},{"word":"the","start":1445.165,"end":1445.325,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09054481238126756},{"word":"next","start":1445.325,"end":1445.58,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.0896041989326477},{"word":"one","start":1445.6599,"end":1445.98,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.07245931029319763},{"word":"year","start":1445.98,"end":1446.2999,"confidence":0.99609375,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.07601013779640198},{"word":"two","start":1446.2999,"end":1446.62,"confidence":0.9902344,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.06592699885368347},{"word":"years","start":1446.62,"end":1447.0199,"confidence":0.98999023,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.06915133446455002},{"word":"five","start":1447.0199,"end":1447.26,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.06623443961143494},{"word":"years","start":1447.26,"end":1447.5,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.07371731102466583},{"word":"that","start":1447.5,"end":1447.74,"confidence":0.9194336,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06324191391468048},{"word":"you","start":1447.74,"end":1447.8999,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.062020353972911835},{"word":"think","start":1447.8999,"end":1448.14,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.05842595547437668},{"word":"we","start":1448.14,"end":1448.2999,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0534239262342453},{"word":"might","start":1448.2999,"end":1448.46,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.05294400453567505},{"word":"need","start":1448.46,"end":1448.62,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.06774669140577316},{"word":"to","start":1448.62,"end":1448.86,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06694994866847992},{"word":"maybe","start":1448.86,"end":1449.1799,"confidence":0.9873047,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.0572858564555645},{"word":"factor","start":1449.1799,"end":1449.58,"confidence":0.9980469,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.07791329175233841},{"word":"in","start":1449.58,"end":1450.08,"confidence":0.99902344,"punctuated_word":"in?","sentiment":"neutral","sentiment_score":0.03763848170638085},{"word":"yep","start":1454.7799,"end":1455.2799,"confidence":0.6801758,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.040591295808553696},{"word":"yep","start":1461.755,"end":1462.155,"confidence":0.9187012,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0859113335609436},{"word":"yep","start":1462.155,"end":1462.655,"confidence":0.9655762,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05644583702087402},{"word":"yeah","start":1476.73,"end":1477.23,"confidence":0.9194336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.030323969200253487},{"word":"yeah","start":1479.53,"end":1480.03,"confidence":0.86279297,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03535874933004379},{"word":"yeah","start":1483.465,"end":1483.965,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04742375761270523},{"word":"yeah","start":1487.625,"end":1487.785,"confidence":0.99316406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01755620911717415},{"word":"yep","start":1487.785,"end":1488.285,"confidence":0.9680176,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.011232796125113964},{"word":"yeah","start":1497.72,"end":1498.22,"confidence":0.8581543,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04980051890015602},{"word":"yep","start":1503.88,"end":1504.38,"confidence":0.9338379,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.038918472826480865},{"word":"yeah","start":1505.64,"end":1506.04,"confidence":0.94921875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03951086848974228},{"word":"absolutely","start":1506.04,"end":1506.54,"confidence":0.97387695,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.07096247375011444},{"word":"that's","start":1510.375,"end":1510.615,"confidence":0.9753418,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.06006129831075668},{"word":"it","start":1510.615,"end":1510.855,"confidence":0.8288574,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.05417608469724655},{"word":"that's","start":1510.855,"end":1511.1749,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.10337778180837633},{"word":"fine","start":1511.1749,"end":1511.6749,"confidence":1.0,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.07698708772659302},{"word":"we","start":1511.895,"end":1512.0549,"confidence":0.9970703,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.0686350092291832},{"word":"can","start":1512.0549,"end":1512.215,"confidence":0.9951172,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08850816637277603},{"word":"factor","start":1512.215,"end":1512.615,"confidence":0.9614258,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.08612098544836044},{"word":"in","start":1512.615,"end":1513.115,"confidence":0.9765625,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.03163374960422516},{"word":"yeah","start":1513.495,"end":1513.815,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08532871305942535},{"word":"absolutely","start":1513.815,"end":1514.315,"confidence":1.0,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.15999643504619598},{"word":"most","start":1514.855,"end":1515.1749,"confidence":1.0,"punctuated_word":"Most","sentiment":"neutral","sentiment_score":0.16723981499671936},{"word":"definitely","start":1515.1749,"end":1515.6749,"confidence":1.0,"punctuated_word":"definitely.","sentiment":"neutral","sentiment_score":0.2323580831289291},{"word":"yeah","start":1516.135,"end":1516.375,"confidence":1.0,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15025098621845245},{"word":"no","start":1516.375,"end":1516.615,"confidence":0.99853516,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.23851487040519712},{"word":"not","start":1516.615,"end":1516.7749,"confidence":0.99902344,"punctuated_word":"Not","sentiment":"positive","sentiment_score":0.38642632961273193},{"word":"a","start":1516.7749,"end":1516.9349,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3197510242462158},{"word":"problem","start":1516.9349,"end":1517.255,"confidence":1.0,"punctuated_word":"problem","sentiment":"positive","sentiment_score":0.39649099111557007},{"word":"at","start":1517.255,"end":1517.4149,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.33739566802978516},{"word":"all","start":1517.4149,"end":1517.6549,"confidence":1.0,"punctuated_word":"all.","sentiment":"positive","sentiment_score":0.4594513773918152},{"word":"fantastic","start":1517.6549,"end":1518.1549,"confidence":1.0,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.8366735577583313},{"word":"i","start":1518.375,"end":1518.615,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.8314496874809265},{"word":"like","start":1518.615,"end":1518.7749,"confidence":1.0,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.8641726970672607},{"word":"it","start":1518.7749,"end":1519.2749,"confidence":1.0,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.7621901035308838},{"word":"well","start":1519.86,"end":1520.1,"confidence":0.9802246,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.1694752722978592},{"word":"the","start":1520.1,"end":1520.26,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07656416296958923},{"word":"only","start":1520.26,"end":1520.42,"confidence":0.99902344,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.0472586564719677},{"word":"other","start":1520.42,"end":1520.58,"confidence":0.9819336,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.02851776033639908},{"word":"thing","start":1520.58,"end":1520.74,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.033948592841625214},{"word":"to","start":1520.74,"end":1520.9,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.026723429560661316},{"word":"let","start":1520.9,"end":1520.98,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.028918858617544178},{"word":"you","start":1520.98,"end":1521.14,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04336877912282944},{"word":"know","start":1521.14,"end":1521.3,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.05127298831939697},{"word":"is","start":1521.3,"end":1521.62,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.012476854026317596},{"word":"when","start":1521.62,"end":1521.78,"confidence":0.6503906,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.037151116877794266},{"word":"we","start":1521.78,"end":1521.9401,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03024048358201981},{"word":"do","start":1521.9401,"end":1522.02,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.04630793631076813},{"word":"come","start":1522.02,"end":1522.18,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.05585614591836929},{"word":"back","start":1522.18,"end":1522.42,"confidence":0.9975586,"punctuated_word":"back,","sentiment":"neutral","sentiment_score":0.04560849815607071},{"word":"i'll","start":1522.42,"end":1522.58,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.03944031894207001},{"word":"kinda","start":1522.58,"end":1522.9,"confidence":0.97802734,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.051535896956920624},{"word":"go","start":1522.9,"end":1523.06,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.04557586461305618},{"word":"through","start":1523.06,"end":1523.22,"confidence":0.9951172,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.05344722419977188},{"word":"things","start":1523.22,"end":1523.46,"confidence":0.9970703,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.05239018797874451},{"word":"in","start":1523.46,"end":1523.54,"confidence":0.89990234,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0537356361746788},{"word":"a","start":1523.54,"end":1523.62,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03947712481021881},{"word":"bit","start":1523.62,"end":1523.78,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.04227083921432495},{"word":"more","start":1523.78,"end":1524.02,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.018380358815193176},{"word":"detail","start":1524.02,"end":1524.42,"confidence":0.99902344,"punctuated_word":"detail","sentiment":"neutral","sentiment_score":0.025657638907432556},{"word":"with","start":1524.42,"end":1524.66,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.021511726081371307},{"word":"you","start":1524.66,"end":1524.82,"confidence":0.8312988,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.03384081646800041},{"word":"but","start":1524.82,"end":1525.32,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.015290684998035433},{"word":"that","start":1525.78,"end":1526.28,"confidence":0.9604492,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.015948228538036346},{"word":"ongoing","start":1526.42,"end":1526.9,"confidence":0.99316406,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.015737533569335938},{"word":"service","start":1526.9,"end":1527.3,"confidence":0.99902344,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.004506707191467285},{"word":"agreement","start":1527.3,"end":1527.7,"confidence":0.99902344,"punctuated_word":"agreement","sentiment":"neutral","sentiment_score":0.014907527714967728},{"word":"you","start":1527.7,"end":1527.86,"confidence":0.97314453,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.007265979424118996},{"word":"do","start":1527.86,"end":1528.02,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.005435844883322716},{"word":"have","start":1528.02,"end":1528.18,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.01944842003285885},{"word":"in","start":1528.18,"end":1528.34,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.027730844914913177},{"word":"the","start":1528.34,"end":1528.58,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.026497533544898033},{"word":"email","start":1528.58,"end":1528.9,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.039227068424224854},{"word":"there","start":1528.9,"end":1529.14,"confidence":0.98535156,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.0028615426272153854},{"word":"is","start":1529.14,"end":1529.38,"confidence":0.95703125,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.006824584677815437},{"word":"just","start":1529.38,"end":1529.54,"confidence":0.9790039,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.008733255788683891},{"word":"letting","start":1529.54,"end":1529.78,"confidence":0.9970703,"punctuated_word":"letting","sentiment":"neutral","sentiment_score":0.009550672024488447},{"word":"you","start":1529.78,"end":1529.9401,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02063031867146492},{"word":"know","start":1529.9401,"end":1530.1,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.0121445395052433},{"word":"you","start":1530.1,"end":1530.26,"confidence":0.5410156,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0070201326161623},{"word":"do","start":1530.26,"end":1530.42,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.002726338803768158},{"word":"pay","start":1530.42,"end":1530.58,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.017177514731884003},{"word":"an","start":1530.58,"end":1530.82,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.0006345156580209732},{"word":"ongoing","start":1530.82,"end":1531.22,"confidence":1.0,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.00027797557413578033},{"word":"service","start":1531.22,"end":1531.62,"confidence":0.9941406,"punctuated_word":"service","sentiment":"neutral","sentiment_score":-0.004723832011222839},{"word":"fee","start":1531.62,"end":1531.78,"confidence":0.9951172,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.00854029692709446},{"word":"for","start":1531.78,"end":1531.9401,"confidence":0.88671875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.00015314854681491852},{"word":"our","start":1531.9401,"end":1532.1,"confidence":0.99609375,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.0035011954605579376},{"word":"services","start":1532.1,"end":1532.6,"confidence":0.8076172,"punctuated_word":"services","sentiment":"neutral","sentiment_score":0.0066391825675964355},{"word":"looking","start":1532.74,"end":1533.06,"confidence":0.70751953,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.004182085394859314},{"word":"after","start":1533.06,"end":1533.3,"confidence":0.97802734,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.002675555646419525},{"word":"your","start":1533.3,"end":1533.54,"confidence":0.98291016,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.008157454431056976},{"word":"super","start":1533.54,"end":1534.04,"confidence":0.94018555,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.02132697030901909},{"word":"it","start":1534.365,"end":1534.605,"confidence":0.9863281,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.006379691883921623},{"word":"is","start":1534.605,"end":1534.845,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.002732895314693451},{"word":"1.65%","start":1534.845,"end":1536.205,"confidence":0.9863281,"punctuated_word":"1.65%","sentiment":"neutral","sentiment_score":0.01447723899036646},{"word":"per","start":1536.205,"end":1536.445,"confidence":0.9921875,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.013596134260296822},{"word":"annum","start":1536.445,"end":1536.945,"confidence":0.86865234,"punctuated_word":"annum,","sentiment":"neutral","sentiment_score":0.009464281611144544},{"word":"and","start":1537.085,"end":1537.245,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0024361759424209595},{"word":"then","start":1537.245,"end":1537.565,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.008661296218633652},{"word":"the","start":1537.565,"end":1538.065,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.018615711480379105},{"word":"the","start":1538.445,"end":1538.605,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02111232466995716},{"word":"amount","start":1538.605,"end":1538.925,"confidence":0.99902344,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.02765088342130184},{"word":"is","start":1538.925,"end":1539.085,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.014506790786981584},{"word":"deducted","start":1539.085,"end":1539.485,"confidence":0.9980469,"punctuated_word":"deducted","sentiment":"neutral","sentiment_score":0.020805731415748596},{"word":"out","start":1539.485,"end":1539.645,"confidence":0.9873047,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.010953616350889206},{"word":"of","start":1539.645,"end":1539.725,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.008251290768384933},{"word":"your","start":1539.725,"end":1539.885,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0031910650432109833},{"word":"super","start":1539.885,"end":1540.205,"confidence":0.99609375,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.01755473017692566},{"word":"on","start":1540.205,"end":1540.365,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.020376786589622498},{"word":"a","start":1540.365,"end":1540.445,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.006442289799451828},{"word":"monthly","start":1540.445,"end":1540.845,"confidence":1.0,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.006270963698625565},{"word":"basis","start":1540.845,"end":1541.165,"confidence":0.7861328,"punctuated_word":"basis.","sentiment":"neutral","sentiment_score":0.012500960379838943},{"word":"so","start":1541.165,"end":1541.325,"confidence":0.9892578,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.026080578565597538},{"word":"it","start":1541.325,"end":1541.485,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.02641693875193596},{"word":"is","start":1541.485,"end":1541.645,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.019882777705788612},{"word":"linked","start":1541.645,"end":1541.885,"confidence":0.9970703,"punctuated_word":"linked","sentiment":"neutral","sentiment_score":0.020736968144774437},{"word":"to","start":1541.885,"end":1541.965,"confidence":0.7998047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.027697138488292698},{"word":"the","start":1541.965,"end":1542.125,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03094167821109295},{"word":"performance","start":1542.125,"end":1542.605,"confidence":0.9970703,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.03712217137217522},{"word":"of","start":1542.605,"end":1542.685,"confidence":0.9873047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02698151394724846},{"word":"your","start":1542.685,"end":1542.925,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.027535326778888702},{"word":"super","start":1542.925,"end":1543.425,"confidence":0.99658203,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.03894428163766861},{"word":"just","start":1544.045,"end":1544.285,"confidence":0.7446289,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.01602160930633545},{"word":"so","start":1544.285,"end":1544.365,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.01421121321618557},{"word":"you","start":1544.365,"end":1544.525,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02130736969411373},{"word":"are","start":1544.525,"end":1544.765,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.019779765978455544},{"word":"aware","start":1544.765,"end":1545.165,"confidence":0.9951172,"punctuated_word":"aware,","sentiment":"neutral","sentiment_score":0.020685700699687004},{"word":"if","start":1545.165,"end":1545.325,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.025366613641381264},{"word":"we","start":1545.325,"end":1545.485,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.020696081221103668},{"word":"do","start":1545.485,"end":1545.725,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.02729594334959984},{"word":"recommend","start":1545.725,"end":1546.225,"confidence":1.0,"punctuated_word":"recommend","sentiment":"neutral","sentiment_score":0.017312705516815186},{"word":"investment","start":1546.365,"end":1546.845,"confidence":0.9980469,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.010247595608234406},{"word":"accounts","start":1546.845,"end":1547.165,"confidence":0.9873047,"punctuated_word":"accounts","sentiment":"neutral","sentiment_score":-0.0024587884545326233},{"word":"and","start":1547.165,"end":1547.46,"confidence":0.96435547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.012695353478193285},{"word":"things","start":1549.46,"end":1549.4778,"confidence":0.9589844,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.017850685864686966},{"word":"like","start":1549.4778,"end":1549.4955,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.006409604102373123},{"word":"that","start":1549.4955,"end":1549.5133,"confidence":0.9980469,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.02393786609172821},{"word":"we","start":1549.5133,"end":1549.5311,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.027755290269851685},{"word":"do","start":1549.5311,"end":1549.5488,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03744357079267502},{"word":"also","start":1549.5488,"end":1549.5667,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.019360775128006935},{"word":"charge","start":1549.5667,"end":1549.5845,"confidence":0.99902344,"punctuated_word":"charge","sentiment":"neutral","sentiment_score":0.03378589078783989},{"word":"an","start":1549.5845,"end":1549.6022,"confidence":0.9838867,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.01118038222193718},{"word":"ongoing","start":1549.6022,"end":1549.62,"confidence":0.99902344,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.005586676299571991},{"word":"service","start":1549.62,"end":1550.02,"confidence":0.875,"punctuated_word":"service","sentiment":"neutral","sentiment_score":-0.007013339549303055},{"word":"fee","start":1550.02,"end":1550.1799,"confidence":0.9970703,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.006103105843067169},{"word":"for","start":1550.1799,"end":1550.26,"confidence":0.77978516,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0008353851735591888},{"word":"the","start":1550.26,"end":1550.4199,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0033468343317508698},{"word":"monitoring","start":1550.4199,"end":1550.8999,"confidence":0.99902344,"punctuated_word":"monitoring","sentiment":"neutral","sentiment_score":0.002503708004951477},{"word":"of","start":1550.8999,"end":1551.0599,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0031352676451206207},{"word":"those","start":1551.0599,"end":1551.46,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.012286599725484848},{"word":"because","start":1551.46,"end":1551.7,"confidence":0.9404297,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.005409229546785355},{"word":"they","start":1551.7,"end":1551.94,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.012990284711122513},{"word":"are","start":1551.94,"end":1552.1799,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.011538125574588776},{"word":"outside","start":1552.1799,"end":1552.58,"confidence":0.9951172,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":-0.013790063560009004},{"word":"of","start":1552.58,"end":1552.74,"confidence":0.8959961,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.025075525045394897},{"word":"super","start":1552.74,"end":1553.24,"confidence":0.857666,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":-0.004108056426048279},{"word":"however","start":1553.7,"end":1554.1,"confidence":0.9875488,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":0.011157723143696783},{"word":"we","start":1554.1,"end":1554.26,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.020345762372016907},{"word":"take","start":1554.26,"end":1554.5,"confidence":0.9980469,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.035819537937641144},{"word":"your","start":1554.5,"end":1554.74,"confidence":0.671875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.01631971076130867},{"word":"1.65%","start":1554.74,"end":1556.1,"confidence":0.99130857,"punctuated_word":"1.65%","sentiment":"neutral","sentiment_score":0.014831706881523132},{"word":"currently","start":1556.1,"end":1556.6,"confidence":0.91186523,"punctuated_word":"currently,","sentiment":"neutral","sentiment_score":-0.004151759669184685},{"word":"and","start":1556.82,"end":1556.98,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.009813118726015093},{"word":"we","start":1556.98,"end":1557.2999,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.014353010803461077},{"word":"split","start":1557.2999,"end":1557.62,"confidence":0.9902344,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.019470728933811188},{"word":"that","start":1557.62,"end":1557.86,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.018814753741025925},{"word":"across","start":1557.86,"end":1558.26,"confidence":0.9616699,"punctuated_word":"across.","sentiment":"neutral","sentiment_score":0.010058162733912468},{"word":"so","start":1558.26,"end":1558.5,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03877390176057816},{"word":"we'll","start":1558.5,"end":1558.74,"confidence":0.9980469,"punctuated_word":"we'll,","sentiment":"neutral","sentiment_score":0.048789072781801224},{"word":"you","start":1558.74,"end":1558.8999,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04742837697267532},{"word":"know","start":1558.8999,"end":1559.22,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.05096500366926193},{"word":"look","start":1559.22,"end":1559.38,"confidence":0.98535156,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.04102665185928345},{"word":"to","start":1559.38,"end":1559.5399,"confidence":0.8828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0461011677980423},{"word":"prorated","start":1559.5399,"end":1560.0399,"confidence":0.72143555,"punctuated_word":"prorated","sentiment":"neutral","sentiment_score":0.04237909242510795},{"word":"that","start":1560.1,"end":1560.34,"confidence":0.74560547,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03714120760560036},{"word":"across","start":1560.34,"end":1560.6599,"confidence":0.99902344,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.03171011060476303},{"word":"the","start":1560.6599,"end":1560.74,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.021717827767133713},{"word":"two","start":1560.74,"end":1560.8999,"confidence":0.8911133,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.015647538006305695},{"word":"different","start":1560.8999,"end":1561.2999,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.021357206627726555},{"word":"accounts","start":1561.2999,"end":1561.665,"confidence":0.97509766,"punctuated_word":"accounts","sentiment":"neutral","sentiment_score":-0.006892990320920944},{"word":"for","start":1561.665,"end":1561.905,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0384816937148571},{"word":"you","start":1561.905,"end":1562.405,"confidence":0.94091797,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.024064544588327408},{"word":"but","start":1562.625,"end":1562.9451,"confidence":0.5576172,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.030831778421998024},{"word":"i'll","start":1562.9451,"end":1563.105,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.04500235244631767},{"word":"be","start":1563.105,"end":1563.265,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.05645428225398064},{"word":"able","start":1563.265,"end":1563.425,"confidence":0.99902344,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.058122940361499786},{"word":"to","start":1563.425,"end":1563.665,"confidence":0.9501953,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.06783299893140793},{"word":"as","start":1563.665,"end":1563.8251,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07133230566978455},{"word":"part","start":1563.8251,"end":1563.985,"confidence":0.99902344,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.05746971815824509},{"word":"of","start":1563.985,"end":1564.145,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06378067284822464},{"word":"the","start":1564.145,"end":1564.2251,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.052527494728565216},{"word":"advice","start":1564.2251,"end":1564.7051,"confidence":0.9926758,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":0.05364811420440674},{"word":"show","start":1564.7051,"end":1564.9451,"confidence":1.0,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.053122323006391525},{"word":"you","start":1564.9451,"end":1565.105,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05249083414673805},{"word":"what","start":1565.105,"end":1565.3451,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.04065261036157608},{"word":"the","start":1565.3451,"end":1565.505,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.033952392637729645},{"word":"fee","start":1565.505,"end":1565.665,"confidence":0.96240234,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.01943928375840187},{"word":"structure","start":1565.665,"end":1566.165,"confidence":1.0,"punctuated_word":"structure","sentiment":"neutral","sentiment_score":0.011547792702913284},{"word":"looks","start":1566.2251,"end":1566.4651,"confidence":0.99902344,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.02620527893304825},{"word":"like","start":1566.4651,"end":1566.9651,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.025773704051971436},{"word":"and","start":1567.025,"end":1567.265,"confidence":0.89746094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0432448573410511},{"word":"show","start":1567.265,"end":1567.425,"confidence":1.0,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.058424465358257294},{"word":"you","start":1567.425,"end":1567.5851,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05925365537405014},{"word":"what","start":1567.5851,"end":1567.745,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.0515703447163105},{"word":"the","start":1567.745,"end":1567.985,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04745028540492058},{"word":"expected","start":1567.985,"end":1568.4651,"confidence":0.9970703,"punctuated_word":"expected","sentiment":"neutral","sentiment_score":0.04894145950675011},{"word":"fees","start":1568.4651,"end":1568.7051,"confidence":0.97314453,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.02357189543545246},{"word":"are","start":1568.7051,"end":1569.025,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0325472317636013},{"word":"as","start":1569.025,"end":1569.185,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.04202976077795029},{"word":"part","start":1569.185,"end":1569.425,"confidence":1.0,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.03679552674293518},{"word":"of","start":1569.425,"end":1569.5851,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04655308648943901},{"word":"the","start":1569.5851,"end":1569.745,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05187299847602844},{"word":"advice","start":1569.745,"end":1570.245,"confidence":0.89501953,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":0.04896277189254761},{"word":"and","start":1570.385,"end":1570.625,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.056118618696928024},{"word":"then","start":1570.625,"end":1570.785,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09275898337364195},{"word":"you","start":1570.785,"end":1570.9451,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07030342519283295},{"word":"can","start":1570.9451,"end":1571.105,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06234488636255264},{"word":"let","start":1571.105,"end":1571.3451,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.049496740102767944},{"word":"me","start":1571.3451,"end":1571.425,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.06235307455062866},{"word":"know","start":1571.425,"end":1571.665,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.05735766142606735},{"word":"whether","start":1571.665,"end":1571.905,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.02896428108215332},{"word":"you're","start":1571.905,"end":1572.0651,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.019880373030900955},{"word":"comfortable","start":1572.0651,"end":1572.545,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.003276810050010681},{"word":"with","start":1572.545,"end":1572.785,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.01366923376917839},{"word":"doing","start":1572.785,"end":1573.025,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.0132017619907856},{"word":"that","start":1573.025,"end":1573.265,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.052187930792570114},{"word":"or","start":1573.265,"end":1573.3451,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.026195280253887177},{"word":"not","start":1573.3451,"end":1573.505,"confidence":0.99560547,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":-0.0011880658566951752},{"word":"but","start":1573.505,"end":1573.665,"confidence":0.9951172,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.023609694093465805},{"word":"does","start":1573.665,"end":1573.8251,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.007676117122173309},{"word":"that","start":1573.8251,"end":1574.0651,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03142685070633888},{"word":"make","start":1574.0651,"end":1574.2251,"confidence":0.9892578,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.009113609790802002},{"word":"sense","start":1574.2251,"end":1574.4651,"confidence":0.80126953,"punctuated_word":"sense,","sentiment":"neutral","sentiment_score":0.001756921410560608},{"word":"and","start":1574.4651,"end":1574.625,"confidence":0.9863281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.003310568630695343},{"word":"do","start":1574.625,"end":1574.785,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.00581987202167511},{"word":"you","start":1574.785,"end":1574.865,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.008902708068490028},{"word":"have","start":1574.865,"end":1575.025,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.006950069218873978},{"word":"any","start":1575.025,"end":1575.185,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.0034121647477149963},{"word":"questions","start":1575.185,"end":1575.5851,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":-0.0010177567601203918},{"word":"about","start":1575.5851,"end":1575.8251,"confidence":0.7915039,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.01541757956147194},{"word":"the","start":1575.8251,"end":1575.985,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01884208433330059},{"word":"fee","start":1575.985,"end":1576.145,"confidence":0.9707031,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":-0.01904948614537716},{"word":"structure","start":1576.145,"end":1576.625,"confidence":0.99902344,"punctuated_word":"structure","sentiment":"neutral","sentiment_score":-0.023953553289175034},{"word":"currently","start":1576.625,"end":1577.125,"confidence":0.9980469,"punctuated_word":"currently?","sentiment":"neutral","sentiment_score":-0.023590710014104843},{"word":"no","start":1579.0701,"end":1579.5701,"confidence":0.920166,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.15666861832141876},{"word":"beautiful","start":1579.7101,"end":1580.1901,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.34042105078697205},{"word":"excellent","start":1580.1901,"end":1580.6901,"confidence":1.0,"punctuated_word":"Excellent.","sentiment":"neutral","sentiment_score":0.3329421877861023},{"word":"you're","start":1581.63,"end":1581.79,"confidence":0.6989746,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.13102154433727264},{"word":"right","start":1581.79,"end":1582.29,"confidence":0.7663574,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.09101704508066176},{"word":"yeah","start":1583.87,"end":1584.37,"confidence":0.97094727,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05083760619163513},{"word":"you","start":1587.39,"end":1587.63,"confidence":0.98095703,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.03006691113114357},{"word":"can","start":1587.63,"end":1587.9501,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03681586682796478},{"word":"if","start":1587.9501,"end":1588.1101,"confidence":0.8339844,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.042941614985466},{"word":"you","start":1588.1101,"end":1588.3501,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03717532753944397},{"word":"like","start":1588.3501,"end":1588.8301,"confidence":0.7873535,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":0.050039201974868774},{"word":"where","start":1588.8301,"end":1589.15,"confidence":0.71728516,"punctuated_word":"Where","sentiment":"neutral","sentiment_score":0.03589708358049393},{"word":"so","start":1589.31,"end":1589.55,"confidence":0.9941406,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.05261624604463577},{"word":"you","start":1589.55,"end":1589.7101,"confidence":0.7783203,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05472256988286972},{"word":"having","start":1589.87,"end":1590.1901,"confidence":0.99121094,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.06146279722452164},{"word":"a","start":1590.1901,"end":1590.3501,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05807185173034668},{"word":"look","start":1590.3501,"end":1590.8501,"confidence":0.8347168,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":0.05142534524202347},{"word":"you're","start":1591.245,"end":1591.645,"confidence":0.9655762,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.029151156544685364},{"word":"you're","start":1591.645,"end":1591.965,"confidence":0.99609375,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.024564962834119797},{"word":"in","start":1591.965,"end":1592.125,"confidence":0.9091797,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.017826231196522713},{"word":"ipswich","start":1592.125,"end":1592.525,"confidence":0.99609375,"punctuated_word":"Ipswich.","sentiment":"neutral","sentiment_score":0.018286217004060745},{"word":"if","start":1592.525,"end":1592.685,"confidence":0.9970703,"punctuated_word":"If","sentiment":"positive","sentiment_score":0.6579465866088867},{"word":"you","start":1592.685,"end":1592.765,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5056111216545105},{"word":"wanna","start":1592.765,"end":1593.005,"confidence":0.9873047,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.39438825845718384},{"word":"come","start":1593.005,"end":1593.245,"confidence":0.99902344,"punctuated_word":"come","sentiment":"positive","sentiment_score":0.3998346030712128},{"word":"into","start":1593.245,"end":1593.485,"confidence":0.99316406,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.3796856999397278},{"word":"the","start":1593.485,"end":1593.645,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4143929779529571},{"word":"office","start":1593.645,"end":1594.045,"confidence":0.99902344,"punctuated_word":"office,","sentiment":"positive","sentiment_score":0.487270325422287},{"word":"we","start":1594.045,"end":1594.205,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.5926246047019958},{"word":"can","start":1594.205,"end":1594.445,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.6291968822479248},{"word":"absolutely","start":1594.445,"end":1594.845,"confidence":0.9980469,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.7059552073478699},{"word":"do","start":1594.845,"end":1595.085,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.6511067748069763},{"word":"it","start":1595.085,"end":1595.325,"confidence":0.9890137,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.5852005481719971},{"word":"we're","start":1595.325,"end":1595.645,"confidence":0.99365234,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.3322831988334656},{"word":"in","start":1595.645,"end":1595.805,"confidence":0.91748047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3052360713481903},{"word":"southport","start":1595.805,"end":1596.305,"confidence":0.8621419,"punctuated_word":"Southport.","sentiment":"neutral","sentiment_score":0.2917025089263916},{"word":"so","start":1596.525,"end":1597.005,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2354723960161209},{"word":"if","start":1597.005,"end":1597.165,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.27935269474983215},{"word":"you","start":1597.165,"end":1597.325,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29981908202171326},{"word":"wanna","start":1597.325,"end":1597.645,"confidence":0.99316406,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.2851065993309021},{"word":"do","start":1597.645,"end":1597.805,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.3065282106399536},{"word":"that","start":1597.805,"end":1597.965,"confidence":0.9995117,"punctuated_word":"that,","sentiment":"positive","sentiment_score":0.3369828760623932},{"word":"that's","start":1597.965,"end":1598.285,"confidence":1.0,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.4267548322677612},{"word":"fine","start":1598.285,"end":1598.525,"confidence":0.9995117,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.31109175086021423},{"word":"we","start":1598.525,"end":1598.685,"confidence":1.0,"punctuated_word":"We","sentiment":"positive","sentiment_score":0.3560086488723755},{"word":"can","start":1598.685,"end":1598.845,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3440318703651428},{"word":"do","start":1598.845,"end":1599.005,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3866634964942932},{"word":"it","start":1599.005,"end":1599.165,"confidence":0.9921875,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.412019819021225},{"word":"by","start":1599.165,"end":1599.325,"confidence":0.9970703,"punctuated_word":"by","sentiment":"positive","sentiment_score":0.3841127455234528},{"word":"teams","start":1599.325,"end":1599.725,"confidence":0.857666,"punctuated_word":"Teams.","sentiment":"positive","sentiment_score":0.3732765913009643},{"word":"we","start":1599.725,"end":1599.885,"confidence":1.0,"punctuated_word":"We","sentiment":"positive","sentiment_score":0.36493533849716187},{"word":"can","start":1599.885,"end":1599.965,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3333779573440552},{"word":"do","start":1599.965,"end":1600.125,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3933193683624267},{"word":"it","start":1600.125,"end":1600.205,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3957105875015259},{"word":"over","start":1600.205,"end":1600.445,"confidence":1.0,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.4098570644855499},{"word":"the","start":1600.445,"end":1600.685,"confidence":0.9921875,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.37807130813598633},{"word":"phone","start":1600.685,"end":1601.165,"confidence":1.0,"punctuated_word":"phone.","sentiment":"positive","sentiment_score":0.3740487098693848},{"word":"i'm","start":1601.165,"end":1601.665,"confidence":0.99609375,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.6690812110900879},{"word":"happy","start":1601.725,"end":1602.205,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.6457590460777283},{"word":"to","start":1602.205,"end":1602.525,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6422343254089355},{"word":"meet","start":1602.525,"end":1602.845,"confidence":0.90771484,"punctuated_word":"meet","sentiment":"positive","sentiment_score":0.6058402061462402},{"word":"however","start":1602.845,"end":1603.325,"confidence":0.92822266,"punctuated_word":"however","sentiment":"positive","sentiment_score":0.559717059135437},{"word":"you","start":1603.325,"end":1603.5651,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6838784217834473},{"word":"would","start":1603.5651,"end":1603.805,"confidence":1.0,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.5366519093513489},{"word":"like","start":1603.805,"end":1604.125,"confidence":1.0,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.5626592636108398},{"word":"to","start":1604.125,"end":1604.365,"confidence":0.99902344,"punctuated_word":"to.","sentiment":"positive","sentiment_score":0.4952661395072937},{"word":"what","start":1604.365,"end":1604.525,"confidence":1.0,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.11463652551174164},{"word":"would","start":1604.525,"end":1604.765,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.08523539453744888},{"word":"you","start":1604.765,"end":1604.925,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09807147830724716},{"word":"prefer","start":1604.925,"end":1605.425,"confidence":0.99902344,"punctuated_word":"prefer?","sentiment":"neutral","sentiment_score":0.1641499549150467},{"word":"yeah","start":1608.03,"end":1608.43,"confidence":0.81762695,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12608914077281952},{"word":"make","start":1608.43,"end":1608.67,"confidence":0.9970703,"punctuated_word":"Make","sentiment":"neutral","sentiment_score":0.18366925418376925},{"word":"a","start":1608.67,"end":1608.83,"confidence":0.97509766,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20453914999961853},{"word":"day","start":1608.83,"end":1609.07,"confidence":0.9580078,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.15499761700630188},{"word":"of","start":1609.07,"end":1609.15,"confidence":0.6230469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15878793597221377},{"word":"it","start":1609.15,"end":1609.31,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16967426240444183},{"word":"and","start":1609.31,"end":1609.47,"confidence":0.9658203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1195429340004921},{"word":"come","start":1609.47,"end":1609.55,"confidence":0.9970703,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.14944955706596377},{"word":"to","start":1609.55,"end":1609.67,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10866216570138933},{"word":"the","start":1609.67,"end":1609.79,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12890346348285675},{"word":"gold","start":1609.79,"end":1610.1901,"confidence":0.9428711,"punctuated_word":"Gold","sentiment":"neutral","sentiment_score":0.1333857625722885},{"word":"coast","start":1610.1901,"end":1610.6901,"confidence":0.9975586,"punctuated_word":"Coast.","sentiment":"neutral","sentiment_score":0.22910034656524655},{"word":"yeah","start":1614.27,"end":1614.77,"confidence":0.99609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1481054127216339},{"word":"absolutely","start":1614.99,"end":1615.49,"confidence":0.99853516,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.42076027393341064},{"word":"absolutely","start":1616.35,"end":1616.85,"confidence":0.9995117,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.40270572900772095},{"word":"well","start":1616.99,"end":1617.15,"confidence":0.9880371,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.3480604290962219},{"word":"what","start":1617.15,"end":1617.39,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.35721883177757263},{"word":"i'll","start":1617.39,"end":1617.55,"confidence":1.0,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.3478565216064453},{"word":"do","start":1617.55,"end":1617.71,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.3277365267276764},{"word":"is","start":1617.71,"end":1617.87,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.33057165145874023},{"word":"i'll","start":1617.87,"end":1617.95,"confidence":0.9970703,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.3644494414329529},{"word":"let","start":1617.95,"end":1618.1901,"confidence":1.0,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.36918485164642334},{"word":"samantha","start":1618.1901,"end":1618.59,"confidence":1.0,"punctuated_word":"Samantha","sentiment":"neutral","sentiment_score":0.3150613307952881},{"word":"know","start":1618.59,"end":1618.83,"confidence":1.0,"punctuated_word":"know","sentiment":"positive","sentiment_score":0.38409343361854553},{"word":"that","start":1618.83,"end":1618.99,"confidence":0.99609375,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.36219051480293274},{"word":"that's","start":1618.99,"end":1619.235,"confidence":0.99316406,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.3762273788452149},{"word":"kind","start":1619.235,"end":1619.395,"confidence":0.9790039,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.36619833111763},{"word":"of","start":1619.395,"end":1619.475,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3779831528663635},{"word":"what","start":1619.475,"end":1619.635,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.4094215929508209},{"word":"your","start":1619.635,"end":1619.715,"confidence":0.99609375,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3444923162460327},{"word":"preference","start":1619.715,"end":1620.115,"confidence":0.9941406,"punctuated_word":"preference","sentiment":"neutral","sentiment_score":0.2259248793125153},{"word":"is","start":1620.115,"end":1620.355,"confidence":0.89746094,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.3278471827507019},{"word":"and","start":1620.355,"end":1620.595,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2987249493598938},{"word":"when","start":1620.595,"end":1620.755,"confidence":0.9980469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.30209946632385254},{"word":"she","start":1620.755,"end":1620.915,"confidence":1.0,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.2954423725605011},{"word":"gives","start":1620.915,"end":1621.075,"confidence":0.9970703,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.30079972743988037},{"word":"you","start":1621.075,"end":1621.235,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.37253108620643616},{"word":"a","start":1621.235,"end":1621.395,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3460237979888916},{"word":"call","start":1621.395,"end":1621.635,"confidence":0.99902344,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.3157593607902527},{"word":"to","start":1621.635,"end":1621.715,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3174916207790375},{"word":"book","start":1621.715,"end":1621.875,"confidence":1.0,"punctuated_word":"book","sentiment":"neutral","sentiment_score":0.2934020757675171},{"word":"you","start":1621.875,"end":1621.955,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3022242486476898},{"word":"in","start":1621.955,"end":1622.195,"confidence":0.99121094,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.3302253484725952},{"word":"i'll","start":1622.195,"end":1622.355,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2963777482509613},{"word":"get","start":1622.355,"end":1622.515,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.3319064974784851},{"word":"her","start":1622.515,"end":1622.595,"confidence":0.99902344,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.31289026141166687},{"word":"to","start":1622.595,"end":1622.755,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3388056457042694},{"word":"give","start":1622.755,"end":1622.915,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.2985859513282776},{"word":"you","start":1622.915,"end":1622.995,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.31756314635276794},{"word":"a","start":1622.995,"end":1623.075,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3376040458679199},{"word":"call","start":1623.075,"end":1623.315,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.2664146423339844},{"word":"in","start":1623.315,"end":1623.475,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.30928757786750793},{"word":"three","start":1623.475,"end":1623.715,"confidence":1.0,"punctuated_word":"three","sentiment":"positive","sentiment_score":0.33366236090660095},{"word":"weeks","start":1623.715,"end":1624.215,"confidence":0.99560547,"punctuated_word":"weeks.","sentiment":"neutral","sentiment_score":0.3116130232810974},{"word":"that","start":1624.275,"end":1624.515,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.29434624314308167},{"word":"way","start":1624.515,"end":1624.6749,"confidence":0.7980957,"punctuated_word":"way,","sentiment":"positive","sentiment_score":0.3546368479728699},{"word":"we've","start":1624.6749,"end":1624.915,"confidence":1.0,"punctuated_word":"we've","sentiment":"positive","sentiment_score":0.4131150245666504},{"word":"got","start":1624.915,"end":1625.075,"confidence":1.0,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.40897995233535767},{"word":"a","start":1625.075,"end":1625.155,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3930521309375763},{"word":"bit","start":1625.155,"end":1625.315,"confidence":0.9951172,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.3720101416110992},{"word":"of","start":1625.315,"end":1625.475,"confidence":0.9970703,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3386840522289276},{"word":"time","start":1625.475,"end":1625.795,"confidence":0.8269043,"punctuated_word":"time,","sentiment":"positive","sentiment_score":0.3608814775943756},{"word":"and","start":1625.795,"end":1626.115,"confidence":0.99902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3863028287887573},{"word":"she","start":1626.115,"end":1626.275,"confidence":1.0,"punctuated_word":"she","sentiment":"positive","sentiment_score":0.37166842818260193},{"word":"can","start":1626.275,"end":1626.4349,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.34201228618621826},{"word":"book","start":1626.4349,"end":1626.6749,"confidence":1.0,"punctuated_word":"book","sentiment":"neutral","sentiment_score":0.3303103446960449},{"word":"you","start":1626.6749,"end":1626.755,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.36776798963546753},{"word":"in","start":1626.755,"end":1626.915,"confidence":0.9951172,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.390742540359497},{"word":"when","start":1626.915,"end":1627.035,"confidence":0.6557617,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.3680206537246704},{"word":"it","start":1627.035,"end":1627.155,"confidence":0.7241211,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.32472988963127136},{"word":"suits","start":1627.155,"end":1627.475,"confidence":0.9941406,"punctuated_word":"suits","sentiment":"neutral","sentiment_score":0.2697681784629822},{"word":"you","start":1627.475,"end":1627.975,"confidence":0.9916992,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.32332295179367065},{"word":"and","start":1628.355,"end":1628.515,"confidence":0.9394531,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.1989116072654724},{"word":"yeah","start":1628.515,"end":1628.915,"confidence":0.99365234,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.32809633016586304},{"word":"absolutely","start":1628.915,"end":1629.415,"confidence":0.7631836,"punctuated_word":"absolutely,","sentiment":"positive","sentiment_score":0.3656435310840606},{"word":"if","start":1629.475,"end":1629.715,"confidence":0.99902344,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.38277679681777954},{"word":"there's","start":1629.715,"end":1629.955,"confidence":1.0,"punctuated_word":"there's","sentiment":"positive","sentiment_score":0.3521978259086609},{"word":"a","start":1629.955,"end":1630.115,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.29781007766723633},{"word":"day","start":1630.115,"end":1630.275,"confidence":0.99902344,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.22572018206119537},{"word":"or","start":1630.275,"end":1630.515,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.3069303035736084},{"word":"time","start":1630.515,"end":1630.755,"confidence":0.9707031,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.2048805356025696},{"word":"that","start":1630.755,"end":1630.995,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2895790636539459},{"word":"suits","start":1630.995,"end":1631.25,"confidence":0.9902344,"punctuated_word":"suits","sentiment":"neutral","sentiment_score":0.224309042096138},{"word":"you","start":1631.25,"end":1631.49,"confidence":0.7524414,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.30721616744995117},{"word":"the","start":1631.73,"end":1631.89,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.013269759714603424},{"word":"only","start":1631.89,"end":1632.13,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.054715558886528015},{"word":"day","start":1632.13,"end":1632.37,"confidence":0.9951172,"punctuated_word":"day","sentiment":"neutral","sentiment_score":-0.027863983064889908},{"word":"i","start":1632.37,"end":1632.45,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06606478989124298},{"word":"don't","start":1632.45,"end":1632.69,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1127144917845726},{"word":"work","start":1632.69,"end":1632.93,"confidence":0.9980469,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.10878816246986388},{"word":"at","start":1632.93,"end":1633.01,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.13850800693035126},{"word":"the","start":1633.01,"end":1633.09,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17933891713619232},{"word":"moment","start":1633.09,"end":1633.41,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":-0.2262524962425232},{"word":"is","start":1633.41,"end":1633.57,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.17104749381542206},{"word":"fridays","start":1633.57,"end":1634.05,"confidence":0.9123535,"punctuated_word":"Fridays.","sentiment":"neutral","sentiment_score":-0.1434144377708435},{"word":"i","start":1634.05,"end":1634.21,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07619118690490723},{"word":"have","start":1634.21,"end":1634.45,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.05094999819993973},{"word":"fridays","start":1634.45,"end":1634.85,"confidence":0.9951172,"punctuated_word":"Fridays","sentiment":"neutral","sentiment_score":-0.049672000110149384},{"word":"off","start":1634.85,"end":1635.09,"confidence":0.9980469,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.03177829459309578},{"word":"to","start":1635.09,"end":1635.25,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.046141184866428375},{"word":"look","start":1635.25,"end":1635.41,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.02117955312132835},{"word":"after","start":1635.41,"end":1635.65,"confidence":0.99609375,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.035119228065013885},{"word":"my","start":1635.65,"end":1635.81,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.04148505255579949},{"word":"son","start":1635.81,"end":1636.31,"confidence":0.7956543,"punctuated_word":"son,","sentiment":"neutral","sentiment_score":-0.020997025072574615},{"word":"but","start":1636.77,"end":1636.93,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.03616628795862198},{"word":"i","start":1636.93,"end":1637.09,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07122389227151871},{"word":"do","start":1637.09,"end":1637.33,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09667200595140456},{"word":"work","start":1637.33,"end":1637.73,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.05445229634642601},{"word":"monday","start":1637.73,"end":1638.13,"confidence":0.98095703,"punctuated_word":"Monday","sentiment":"neutral","sentiment_score":0.0944800153374672},{"word":"to","start":1638.13,"end":1638.29,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07617713510990143},{"word":"thursday","start":1638.29,"end":1638.69,"confidence":0.92944336,"punctuated_word":"Thursday,","sentiment":"neutral","sentiment_score":0.06321321427822113},{"word":"and","start":1638.69,"end":1638.85,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09093698114156724},{"word":"i'm","start":1638.85,"end":1639.01,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.11880902945995332},{"word":"here","start":1639.01,"end":1639.25,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.13164043426513672},{"word":"from","start":1639.25,"end":1639.41,"confidence":0.99609375,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.09764064103364944},{"word":"anywhere","start":1639.41,"end":1639.81,"confidence":0.91503906,"punctuated_word":"anywhere","sentiment":"neutral","sentiment_score":0.10888373851776124},{"word":"from","start":1639.81,"end":1640.13,"confidence":0.9980469,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.08277098089456558},{"word":"07:30","start":1640.13,"end":1640.77,"confidence":0.99902344,"punctuated_word":"07:30","sentiment":"neutral","sentiment_score":0.07747767865657806},{"word":"in","start":1640.77,"end":1640.93,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09844767302274704},{"word":"the","start":1640.93,"end":1641.09,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09906043112277985},{"word":"morning","start":1641.09,"end":1641.41,"confidence":1.0,"punctuated_word":"morning","sentiment":"neutral","sentiment_score":0.08804585039615631},{"word":"right","start":1641.41,"end":1641.65,"confidence":0.9760742,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.09908758848905563},{"word":"up","start":1641.65,"end":1641.81,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.06184873729944229},{"word":"until","start":1641.81,"end":1642.13,"confidence":0.99902344,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.06450323760509491},{"word":"about","start":1642.13,"end":1642.45,"confidence":0.9892578,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0435490757226944},{"word":"7pm","start":1642.45,"end":1643.01,"confidence":0.99902344,"punctuated_word":"7PM","sentiment":"neutral","sentiment_score":0.06210605055093765},{"word":"at","start":1643.01,"end":1643.265,"confidence":0.9604492,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.022488266229629517},{"word":"so","start":1644.145,"end":1644.225,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1510547697544098},{"word":"we","start":1644.225,"end":1644.465,"confidence":0.66259766,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2553862929344177},{"word":"can","start":1644.465,"end":1644.545,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.23493961989879608},{"word":"make","start":1644.545,"end":1644.785,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.2770859897136688},{"word":"that","start":1644.785,"end":1644.9451,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.234990194439888},{"word":"work","start":1644.9451,"end":1645.345,"confidence":0.99365234,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":0.2054356187582016},{"word":"even","start":1645.345,"end":1645.665,"confidence":0.5307617,"punctuated_word":"Even","sentiment":"neutral","sentiment_score":0.23472127318382263},{"word":"friday","start":1645.665,"end":1646.0651,"confidence":0.97265625,"punctuated_word":"Friday","sentiment":"neutral","sentiment_score":0.16154226660728457},{"word":"is","start":1646.0651,"end":1646.225,"confidence":0.74902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.19653652608394623},{"word":"the","start":1646.225,"end":1646.305,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18463459610939023},{"word":"only","start":1646.305,"end":1646.545,"confidence":0.9980469,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.11213107407093048},{"word":"time","start":1646.545,"end":1646.705,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.13564302027225494},{"word":"that","start":1646.705,"end":1646.9451,"confidence":0.9838867,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2030004858970642},{"word":"suits","start":1646.9451,"end":1647.185,"confidence":0.9243164,"punctuated_word":"suits","sentiment":"neutral","sentiment_score":0.14491882920265198},{"word":"you","start":1647.185,"end":1647.505,"confidence":0.9921875,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.21901178359985352},{"word":"she","start":1647.505,"end":1647.745,"confidence":1.0,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.2697046995162964},{"word":"will","start":1647.745,"end":1647.905,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.24662043154239657},{"word":"still","start":1647.905,"end":1648.145,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.25125783681869507},{"word":"book","start":1648.145,"end":1648.385,"confidence":1.0,"punctuated_word":"book","sentiment":"neutral","sentiment_score":0.2540179193019867},{"word":"it","start":1648.385,"end":1648.545,"confidence":0.9189453,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.21030086278915405},{"word":"and","start":1648.545,"end":1648.705,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21578587591648105},{"word":"i","start":1648.705,"end":1648.865,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.261837363243103},{"word":"will","start":1648.865,"end":1649.025,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.1972915530204773},{"word":"come","start":1649.025,"end":1649.185,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.18756608664989471},{"word":"into","start":1649.185,"end":1649.425,"confidence":0.9790039,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.13911780714988708},{"word":"the","start":1649.425,"end":1649.585,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15553170442581177},{"word":"office","start":1649.585,"end":1649.905,"confidence":0.9638672,"punctuated_word":"office.","sentiment":"neutral","sentiment_score":0.13918155431747437},{"word":"so","start":1649.905,"end":1650.0651,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2175690531730652},{"word":"do","start":1650.0651,"end":1650.225,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.17632842063903809},{"word":"not","start":1650.225,"end":1650.465,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.2149011790752411},{"word":"worry","start":1650.465,"end":1650.965,"confidence":0.99365234,"punctuated_word":"worry.","sentiment":"neutral","sentiment_score":0.28590959310531616},{"word":"i","start":1651.025,"end":1651.105,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3683782815933227},{"word":"just","start":1651.105,"end":1651.345,"confidence":0.9277344,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.365600049495697},{"word":"like","start":1651.345,"end":1651.505,"confidence":0.98828125,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.3924655020236969},{"word":"to","start":1651.505,"end":1651.585,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.43959322571754456},{"word":"let","start":1651.585,"end":1651.8251,"confidence":1.0,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.47371238470077515},{"word":"everyone","start":1651.8251,"end":1652.145,"confidence":0.99902344,"punctuated_word":"everyone","sentiment":"positive","sentiment_score":0.48256391286849976},{"word":"know","start":1652.145,"end":1652.465,"confidence":1.0,"punctuated_word":"know","sentiment":"positive","sentiment_score":0.49716916680336},{"word":"i'm","start":1652.465,"end":1652.705,"confidence":0.9135742,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.5011290311813354},{"word":"pretty","start":1652.705,"end":1652.865,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.5306507349014282},{"word":"flexible","start":1652.865,"end":1653.365,"confidence":1.0,"punctuated_word":"flexible","sentiment":"positive","sentiment_score":0.3605074882507324},{"word":"fridays","start":1653.425,"end":1653.8251,"confidence":0.65844727,"punctuated_word":"Fridays.","sentiment":"positive","sentiment_score":0.4304146468639374},{"word":"i","start":1653.8251,"end":1653.905,"confidence":0.9970703,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.34872645139694214},{"word":"just","start":1653.905,"end":1654.145,"confidence":0.9819336,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.29802966117858887},{"word":"try","start":1654.145,"end":1654.305,"confidence":0.94921875,"punctuated_word":"try","sentiment":"positive","sentiment_score":0.352935254573822},{"word":"to","start":1654.305,"end":1654.385,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3248336613178253},{"word":"do","start":1654.385,"end":1654.4651,"confidence":0.9921875,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.31098753213882446},{"word":"it","start":1654.4651,"end":1654.545,"confidence":0.90478516,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.31438446044921875},{"word":"in","start":1654.545,"end":1654.705,"confidence":0.98535156,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.269396036863327},{"word":"between","start":1654.705,"end":1655.105,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.2385113388299942},{"word":"school","start":1655.105,"end":1655.425,"confidence":0.99902344,"punctuated_word":"school","sentiment":"neutral","sentiment_score":0.24958905577659607},{"word":"hours","start":1655.425,"end":1655.665,"confidence":1.0,"punctuated_word":"hours","sentiment":"neutral","sentiment_score":0.2315332591533661},{"word":"because","start":1655.665,"end":1655.905,"confidence":0.8984375,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.2453332245349884},{"word":"it's","start":1655.905,"end":1656.225,"confidence":0.96435547,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2778070569038391},{"word":"technically","start":1656.465,"end":1656.9451,"confidence":0.80566406,"punctuated_word":"technically,","sentiment":"neutral","sentiment_score":0.25553131103515625},{"word":"i","start":1656.9451,"end":1657.025,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.3086221218109131},{"word":"take","start":1657.025,"end":1657.265,"confidence":0.91015625,"punctuated_word":"take","sentiment":"positive","sentiment_score":0.3401644229888916},{"word":"that","start":1657.265,"end":1657.425,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3190343379974365},{"word":"day","start":1657.425,"end":1657.665,"confidence":0.9873047,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.26054003834724426},{"word":"for","start":1657.665,"end":1657.8251,"confidence":0.9716797,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.25136080384254456},{"word":"my","start":1657.8251,"end":1657.985,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.2566487789154053},{"word":"son","start":1657.985,"end":1658.485,"confidence":0.7976074,"punctuated_word":"son.","sentiment":"neutral","sentiment_score":0.2048872411251068},{"word":"so","start":1658.57,"end":1658.65,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.20167863368988037},{"word":"i","start":1658.65,"end":1658.8099,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.21320882439613345},{"word":"have","start":1658.8099,"end":1658.8899,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.21124280989170072},{"word":"a","start":1658.8899,"end":1658.97,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1564677208662033},{"word":"little","start":1658.97,"end":1659.21,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.07849760353565216},{"word":"bit","start":1659.21,"end":1659.45,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.06096814572811127},{"word":"of","start":1659.45,"end":1659.53,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.003324471414089203},{"word":"work","start":1659.53,"end":1659.77,"confidence":0.9716797,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.039269618690013885},{"word":"life","start":1659.77,"end":1660.01,"confidence":0.9140625,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.040182046592235565},{"word":"balance","start":1660.01,"end":1660.49,"confidence":1.0,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.05918993800878525},{"word":"there","start":1660.49,"end":1660.73,"confidence":0.90478516,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.05852875858545303},{"word":"but","start":1660.73,"end":1660.97,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.13634414970874786},{"word":"if","start":1660.97,"end":1661.13,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.13688863813877106},{"word":"friday","start":1661.13,"end":1661.45,"confidence":0.9951172,"punctuated_word":"Friday","sentiment":"neutral","sentiment_score":0.14668038487434387},{"word":"is","start":1661.45,"end":1661.61,"confidence":0.8154297,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1615500450134277},{"word":"the","start":1661.61,"end":1661.69,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15399503707885742},{"word":"only","start":1661.69,"end":1661.9299,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.11216776072978972},{"word":"day","start":1661.9299,"end":1662.09,"confidence":0.9980469,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.1320326179265976},{"word":"that","start":1662.09,"end":1662.25,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17360764741897583},{"word":"works","start":1662.25,"end":1662.49,"confidence":0.9970703,"punctuated_word":"works","sentiment":"neutral","sentiment_score":0.21062058210372925},{"word":"for","start":1662.49,"end":1662.65,"confidence":0.9951172,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.21493273973464969},{"word":"you","start":1662.65,"end":1662.89,"confidence":1.0,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.25578975677490234},{"word":"i","start":1662.89,"end":1662.97,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.339760959148407},{"word":"will","start":1662.97,"end":1663.21,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.27735626697540283},{"word":"make","start":1663.21,"end":1663.37,"confidence":1.0,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.34443342685699463},{"word":"it","start":1663.37,"end":1663.61,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3259674906730652},{"word":"happen","start":1663.61,"end":1663.9299,"confidence":0.9580078,"punctuated_word":"happen,","sentiment":"neutral","sentiment_score":0.2770117521286011},{"word":"and","start":1663.9299,"end":1664.09,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2810207009315491},{"word":"i'll","start":1664.09,"end":1664.33,"confidence":0.8479004,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.232450932264328},{"word":"make","start":1664.33,"end":1664.49,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1748700588941574},{"word":"sure","start":1664.49,"end":1664.8099,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.15272283554077148},{"word":"samantha's","start":1664.8099,"end":1665.29,"confidence":0.8713379,"punctuated_word":"Samantha's","sentiment":"neutral","sentiment_score":0.16797253489494324},{"word":"aware","start":1665.29,"end":1665.53,"confidence":0.99902344,"punctuated_word":"aware","sentiment":"neutral","sentiment_score":0.16363486647605896},{"word":"of","start":1665.53,"end":1665.61,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23157404363155365},{"word":"that","start":1665.61,"end":1665.85,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1494518667459488},{"word":"as","start":1665.85,"end":1666.01,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.22389118373394012},{"word":"well","start":1666.01,"end":1666.41,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1444399058818817},{"word":"okay","start":1666.41,"end":1666.91,"confidence":0.90600586,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.07955010235309601},{"word":"easy","start":1668.73,"end":1669.23,"confidence":0.9411621,"punctuated_word":"Easy.","sentiment":"neutral","sentiment_score":-0.06532754004001617},{"word":"all","start":1669.45,"end":1669.77,"confidence":0.97265625,"punctuated_word":"All","sentiment":"neutral","sentiment_score":-0.22577573359012604},{"word":"good","start":1669.77,"end":1670.27,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":-0.11204751580953598},{"word":"no","start":1670.985,"end":1671.145,"confidence":0.83984375,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08548347651958466},{"word":"that's","start":1671.145,"end":1671.545,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.0991748422384262},{"word":"honestly","start":1671.545,"end":1672.025,"confidence":0.99121094,"punctuated_word":"honestly","sentiment":"neutral","sentiment_score":0.04179985076189041},{"word":"fine","start":1672.025,"end":1672.345,"confidence":0.99560547,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.0833568125963211},{"word":"i","start":1672.345,"end":1672.585,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.048081737011671066},{"word":"have","start":1672.585,"end":1672.745,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.059023089706897736},{"word":"done","start":1672.745,"end":1672.985,"confidence":1.0,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.09231602400541306},{"word":"it","start":1672.985,"end":1673.145,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1362857222557068},{"word":"before","start":1673.145,"end":1673.545,"confidence":0.9951172,"punctuated_word":"before.","sentiment":"neutral","sentiment_score":0.05105617269873619},{"word":"i","start":1673.545,"end":1673.705,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05429810285568237},{"word":"know","start":1673.705,"end":1673.945,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.030394624918699265},{"word":"sometimes","start":1673.945,"end":1674.345,"confidence":0.9921875,"punctuated_word":"sometimes","sentiment":"neutral","sentiment_score":0.028113506734371185},{"word":"fridays","start":1674.345,"end":1674.825,"confidence":0.8720703,"punctuated_word":"Fridays","sentiment":"neutral","sentiment_score":0.03280515968799591},{"word":"are","start":1674.825,"end":1674.985,"confidence":0.9941406,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.04130788519978523},{"word":"the","start":1674.985,"end":1675.145,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04582414031028747},{"word":"only","start":1675.145,"end":1675.545,"confidence":0.99902344,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.011523324996232986},{"word":"day","start":1675.545,"end":1675.865,"confidence":0.9194336,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.02954878658056259},{"word":"or","start":1675.865,"end":1675.945,"confidence":0.8671875,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05133293569087982},{"word":"the","start":1675.945,"end":1676.025,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07295109331607819},{"word":"best","start":1676.025,"end":1676.265,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.07646407186985016},{"word":"day","start":1676.265,"end":1676.505,"confidence":0.92456055,"punctuated_word":"day,","sentiment":"neutral","sentiment_score":0.08177553117275238},{"word":"especially","start":1676.505,"end":1676.825,"confidence":1.0,"punctuated_word":"especially","sentiment":"neutral","sentiment_score":0.08269049972295761},{"word":"when","start":1676.825,"end":1677.0651,"confidence":0.99121094,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.09088972955942154},{"word":"you","start":1677.0651,"end":1677.225,"confidence":0.95947266,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11321904510259628},{"word":"have","start":1677.225,"end":1677.385,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11221777647733688},{"word":"kids","start":1677.385,"end":1677.705,"confidence":0.8876953,"punctuated_word":"kids,","sentiment":"neutral","sentiment_score":0.08573652058839798},{"word":"and","start":1677.705,"end":1677.865,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07311005145311356},{"word":"i'll","start":1677.865,"end":1678.105,"confidence":0.99902344,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1002352461218834},{"word":"make","start":1678.105,"end":1678.265,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1015140637755394},{"word":"it","start":1678.265,"end":1678.425,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12912750244140625},{"word":"work","start":1678.425,"end":1678.925,"confidence":0.95825195,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":0.06018149107694626},{"word":"but","start":1679.145,"end":1679.385,"confidence":0.7705078,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.05091949552297592},{"word":"yeah","start":1679.465,"end":1679.785,"confidence":0.9951172,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.04656348377466202},{"word":"look","start":1679.785,"end":1680.025,"confidence":0.78930664,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":0.051333237439394},{"word":"any","start":1680.025,"end":1680.265,"confidence":0.99121094,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.05976604297757149},{"word":"other","start":1680.265,"end":1680.505,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.05607941001653671},{"word":"day","start":1680.505,"end":1680.825,"confidence":0.9448242,"punctuated_word":"day,","sentiment":"neutral","sentiment_score":0.06410469114780426},{"word":"if","start":1680.825,"end":1680.985,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07047787308692932},{"word":"you","start":1680.985,"end":1681.145,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07252990454435349},{"word":"wanna","start":1681.145,"end":1681.385,"confidence":0.9970703,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.08721379935741425},{"word":"make","start":1681.385,"end":1681.625,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.08438663929700851},{"word":"a","start":1681.625,"end":1681.705,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09418829530477524},{"word":"day","start":1681.705,"end":1681.945,"confidence":0.99902344,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.07908450067043304},{"word":"of","start":1681.945,"end":1682.025,"confidence":0.9707031,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09707439690828323},{"word":"it","start":1682.025,"end":1682.525,"confidence":0.89404297,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.0920114666223526},{"word":"morning","start":1682.665,"end":1682.985,"confidence":0.9970703,"punctuated_word":"morning","sentiment":"neutral","sentiment_score":0.07627156376838684},{"word":"or","start":1682.985,"end":1683.225,"confidence":0.99609375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05399326980113983},{"word":"afternoon","start":1683.225,"end":1683.725,"confidence":0.99560547,"punctuated_word":"afternoon,","sentiment":"neutral","sentiment_score":0.05864423140883446},{"word":"we'll","start":1684.76,"end":1685.08,"confidence":0.9411621,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.1583794355392456},{"word":"make","start":1685.08,"end":1685.24,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.16662542521953583},{"word":"sure","start":1685.24,"end":1685.48,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.18524791300296783},{"word":"it","start":1685.48,"end":1685.6399,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.22220608592033383},{"word":"happens","start":1685.6399,"end":1686.0399,"confidence":1.0,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":0.23202136158943176},{"word":"for","start":1686.0399,"end":1686.12,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2543090879917145},{"word":"you","start":1686.12,"end":1686.36,"confidence":0.9975586,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.18138951063156128},{"word":"it's","start":1686.36,"end":1686.5199,"confidence":1.0,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.2887822389602661},{"word":"not","start":1686.5199,"end":1686.76,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.27895256876945496},{"word":"a","start":1686.76,"end":1686.84,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2755584120750427},{"word":"problem","start":1686.84,"end":1687.24,"confidence":1.0,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.31412428617477417},{"word":"at","start":1687.24,"end":1687.32,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.36517834663391113},{"word":"all","start":1687.32,"end":1687.72,"confidence":0.9995117,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.305698424577713},{"word":"okay","start":1687.72,"end":1688.22,"confidence":0.9921875,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.3632792234420776},{"word":"it'd","start":1688.9199,"end":1689.08,"confidence":0.7492676,"punctuated_word":"It'd","sentiment":"positive","sentiment_score":0.630427896976471},{"word":"be","start":1689.08,"end":1689.1599,"confidence":0.99609375,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.6800474524497986},{"word":"great","start":1689.1599,"end":1689.3999,"confidence":0.99902344,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.7853024005889893},{"word":"to","start":1689.3999,"end":1689.5599,"confidence":0.9921875,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.7502105236053467},{"word":"meet","start":1689.5599,"end":1689.72,"confidence":0.9873047,"punctuated_word":"meet","sentiment":"positive","sentiment_score":0.7627140879631042},{"word":"you","start":1689.72,"end":1689.88,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.753330647945404},{"word":"in","start":1689.88,"end":1690.0399,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.7110434770584106},{"word":"person","start":1690.0399,"end":1690.36,"confidence":0.8029785,"punctuated_word":"person,","sentiment":"positive","sentiment_score":0.7268311977386475},{"word":"actually","start":1690.36,"end":1690.76,"confidence":0.96484375,"punctuated_word":"actually.","sentiment":"positive","sentiment_score":0.6684100031852722},{"word":"it'd","start":1690.76,"end":1690.84,"confidence":0.7907715,"punctuated_word":"It'd","sentiment":"positive","sentiment_score":0.6077558398246765},{"word":"be","start":1690.84,"end":1690.9199,"confidence":0.9980469,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.646249532699585},{"word":"fun","start":1690.9199,"end":1691.4199,"confidence":0.99853516,"punctuated_word":"fun.","sentiment":"positive","sentiment_score":0.5572140216827393},{"word":"yeah","start":1694.6799,"end":1695.1599,"confidence":0.967041,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15304818749427795},{"word":"excellent","start":1695.1599,"end":1695.6599,"confidence":1.0,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.7274564504623413},{"word":"fantastic","start":1696.855,"end":1697.355,"confidence":0.99902344,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.8047623634338379},{"word":"the","start":1697.735,"end":1697.975,"confidence":0.69873047,"punctuated_word":"The","sentiment":"positive","sentiment_score":0.4938122034072876},{"word":"only","start":1697.975,"end":1698.135,"confidence":0.99316406,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.2586696445941925},{"word":"other","start":1698.135,"end":1698.2949,"confidence":0.9404297,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.25178417563438416},{"word":"thing","start":1698.2949,"end":1698.455,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.2972122132778168},{"word":"to","start":1698.455,"end":1698.5349,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22160737216472623},{"word":"let","start":1698.5349,"end":1698.695,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.25318795442581177},{"word":"you","start":1698.695,"end":1698.775,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19967982172966003},{"word":"know","start":1698.775,"end":1698.9349,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.2141019105911255},{"word":"is","start":1698.9349,"end":1699.095,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12345735728740692},{"word":"so","start":1699.255,"end":1699.4149,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2291652262210846},{"word":"you've","start":1699.4149,"end":1699.6549,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.2243623733520508},{"word":"got","start":1699.6549,"end":1699.895,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.2560545802116394},{"word":"the","start":1699.895,"end":1700.135,"confidence":0.9526367,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19438748061656952},{"word":"attached","start":1700.135,"end":1700.455,"confidence":0.9003906,"punctuated_word":"attached","sentiment":"neutral","sentiment_score":0.2258978933095932},{"word":"documents","start":1700.455,"end":1700.955,"confidence":0.9873047,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.2316098660230637},{"word":"there","start":1701.015,"end":1701.1749,"confidence":0.7319336,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.301655113697052},{"word":"that","start":1701.1749,"end":1701.335,"confidence":0.9902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2641586363315582},{"word":"we","start":1701.335,"end":1701.495,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2621331512928009},{"word":"have","start":1701.495,"end":1701.6549,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.26274508237838745},{"word":"gone","start":1701.6549,"end":1701.895,"confidence":0.98291016,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.21513450145721436},{"word":"through","start":1701.895,"end":1702.135,"confidence":0.9904785,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.23045536875724792},{"word":"i've","start":1702.135,"end":1702.375,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.2457677572965622},{"word":"also","start":1702.375,"end":1702.615,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1850777417421341},{"word":"got","start":1702.615,"end":1702.855,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.26899757981300354},{"word":"the","start":1702.855,"end":1703.015,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2289913147687912},{"word":"financial","start":1703.015,"end":1703.495,"confidence":0.99902344,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.17657624185085297},{"word":"services","start":1703.495,"end":1703.995,"confidence":0.9970703,"punctuated_word":"services","sentiment":"neutral","sentiment_score":0.17515143752098083},{"word":"guide","start":1704.0549,"end":1704.2949,"confidence":0.8588867,"punctuated_word":"guide","sentiment":"neutral","sentiment_score":0.22643277049064636},{"word":"attached","start":1704.2949,"end":1704.615,"confidence":0.9892578,"punctuated_word":"attached","sentiment":"neutral","sentiment_score":0.28575602173805237},{"word":"there","start":1704.615,"end":1704.855,"confidence":0.99121094,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.3656791150569916},{"word":"for","start":1704.855,"end":1705.095,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3797127604484558},{"word":"you","start":1705.095,"end":1705.495,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.34878718852996826},{"word":"it","start":1705.495,"end":1705.575,"confidence":1.0,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.6118965148925781},{"word":"does","start":1705.575,"end":1705.815,"confidence":0.99902344,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.5744306445121765},{"word":"have","start":1705.815,"end":1705.975,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5820779204368591},{"word":"a","start":1705.975,"end":1706.0549,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5505903959274292},{"word":"lovely","start":1706.0549,"end":1706.455,"confidence":1.0,"punctuated_word":"lovely","sentiment":"positive","sentiment_score":0.61075758934021},{"word":"picture","start":1706.455,"end":1706.775,"confidence":1.0,"punctuated_word":"picture","sentiment":"positive","sentiment_score":0.6129037737846375},{"word":"of","start":1706.775,"end":1706.855,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4958256483078003},{"word":"me","start":1706.855,"end":1707.015,"confidence":1.0,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.4347432851791382},{"word":"in","start":1707.015,"end":1707.1749,"confidence":0.9970703,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4613337218761444},{"word":"there","start":1707.1749,"end":1707.495,"confidence":0.83325195,"punctuated_word":"there,","sentiment":"positive","sentiment_score":0.5040285587310791},{"word":"also","start":1707.495,"end":1707.895,"confidence":0.921875,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.4723094701766968},{"word":"all","start":1707.895,"end":1708.215,"confidence":0.7285156,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.47552797198295593},{"word":"my","start":1708.215,"end":1708.455,"confidence":0.97314453,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.3804078996181488},{"word":"licensing","start":1708.455,"end":1708.955,"confidence":0.9980469,"punctuated_word":"licensing","sentiment":"neutral","sentiment_score":0.26711440086364746},{"word":"information","start":1709.095,"end":1709.575,"confidence":1.0,"punctuated_word":"information","sentiment":"positive","sentiment_score":0.37638622522354126},{"word":"as","start":1709.575,"end":1709.815,"confidence":0.98535156,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.36475902795791626},{"word":"a","start":1709.815,"end":1709.895,"confidence":0.9951172,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.40632379055023193},{"word":"full","start":1709.895,"end":1710.0549,"confidence":0.9892578,"punctuated_word":"full","sentiment":"positive","sentiment_score":0.4400497972965241},{"word":"licensed","start":1710.0549,"end":1710.5549,"confidence":0.9291992,"punctuated_word":"licensed","sentiment":"positive","sentiment_score":0.360553503036499},{"word":"adviser","start":1710.615,"end":1711.115,"confidence":0.9472656,"punctuated_word":"adviser","sentiment":"positive","sentiment_score":0.4045286774635315},{"word":"for","start":1711.1749,"end":1711.335,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4424746334552765},{"word":"you","start":1711.335,"end":1711.495,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4815109968185425},{"word":"as","start":1711.495,"end":1711.71,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4663292169570923},{"word":"well","start":1711.71,"end":1712.0299,"confidence":0.91381836,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.45426470041275024},{"word":"so","start":1712.0299,"end":1712.51,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3097288906574249},{"word":"feel","start":1712.51,"end":1712.75,"confidence":0.9980469,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.25227320194244385},{"word":"free","start":1712.75,"end":1712.9099,"confidence":1.0,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.29048699140548706},{"word":"to","start":1712.9099,"end":1712.99,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2729092836380005},{"word":"run","start":1712.99,"end":1713.23,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.2773967981338501},{"word":"your","start":1713.23,"end":1713.39,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.304259717464447},{"word":"eyes","start":1713.39,"end":1713.63,"confidence":0.9980469,"punctuated_word":"eyes","sentiment":"positive","sentiment_score":0.3728566765785218},{"word":"over","start":1713.63,"end":1713.87,"confidence":1.0,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.38257914781570435},{"word":"that","start":1713.87,"end":1714.0299,"confidence":0.99560547,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.3658380508422851},{"word":"if","start":1714.0299,"end":1714.27,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.19938161969184875},{"word":"you","start":1714.27,"end":1714.35,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1577739417552948},{"word":"find","start":1714.35,"end":1714.6699,"confidence":0.95947266,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.16225188970565796},{"word":"you","start":1714.6699,"end":1714.83,"confidence":0.91748047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16695666313171387},{"word":"have","start":1714.83,"end":1714.99,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13007530570030212},{"word":"any","start":1714.99,"end":1715.1499,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.12589725852012634},{"word":"questions","start":1715.1499,"end":1715.5499,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.1009449064731598},{"word":"in","start":1715.5499,"end":1715.71,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07271280884742737},{"word":"relation","start":1715.71,"end":1716.11,"confidence":0.99316406,"punctuated_word":"relation","sentiment":"neutral","sentiment_score":0.11116647720336914},{"word":"to","start":1716.11,"end":1716.27,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13399235904216766},{"word":"any","start":1716.27,"end":1716.59,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.15023186802864075},{"word":"of","start":1716.59,"end":1716.6699,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14301474392414093},{"word":"those","start":1716.6699,"end":1716.99,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.15223166346549988},{"word":"documents","start":1716.99,"end":1717.49,"confidence":0.99853516,"punctuated_word":"documents,","sentiment":"neutral","sentiment_score":0.12982502579689026},{"word":"please","start":1717.63,"end":1717.95,"confidence":1.0,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.13688215613365173},{"word":"let","start":1717.95,"end":1718.19,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.17400746047496796},{"word":"me","start":1718.19,"end":1718.35,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1822040230035782},{"word":"know","start":1718.35,"end":1718.85,"confidence":0.9995117,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.1945864111185074},{"word":"i'll","start":1719.39,"end":1719.63,"confidence":0.7836914,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.15431973338127136},{"word":"get","start":1719.63,"end":1719.95,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.16676734387874603},{"word":"sammy","start":1719.95,"end":1720.27,"confidence":0.87353516,"punctuated_word":"Sammy","sentiment":"neutral","sentiment_score":0.19372239708900452},{"word":"to","start":1720.27,"end":1720.35,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1755354255437851},{"word":"give","start":1720.35,"end":1720.51,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.1452474594116211},{"word":"you","start":1720.51,"end":1720.6699,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16969475150108335},{"word":"a","start":1720.6699,"end":1720.75,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15927670896053314},{"word":"call","start":1720.75,"end":1720.99,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.15602724254131317},{"word":"in","start":1720.99,"end":1721.1499,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1574648767709732},{"word":"the","start":1721.1499,"end":1721.3099,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17923478782176971},{"word":"next","start":1721.3099,"end":1721.5499,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.16620028018951416},{"word":"sort","start":1721.5499,"end":1721.7899,"confidence":0.95410156,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.14054031670093536},{"word":"of","start":1721.7899,"end":1721.95,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16770733892917633},{"word":"four","start":1721.95,"end":1722.11,"confidence":0.9580078,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.15284234285354614},{"word":"three","start":1722.35,"end":1722.6699,"confidence":0.93847656,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.1312929540872574},{"word":"weeks","start":1722.6699,"end":1723.07,"confidence":1.0,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":0.1535705327987671},{"word":"so","start":1723.07,"end":1723.23,"confidence":0.8886719,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2034394145011902},{"word":"she","start":1723.23,"end":1723.39,"confidence":0.99902344,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.19406671822071075},{"word":"can","start":1723.39,"end":1723.785,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.19874058663845065},{"word":"book","start":1723.865,"end":1724.025,"confidence":0.78222656,"punctuated_word":"book","sentiment":"neutral","sentiment_score":0.25056692957878113},{"word":"you","start":1724.025,"end":1724.265,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2361142635345459},{"word":"back","start":1724.265,"end":1724.425,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.2062617987394333},{"word":"in","start":1724.425,"end":1724.665,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20268909633159635},{"word":"for","start":1724.665,"end":1724.905,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.20861384272575376},{"word":"another","start":1724.905,"end":1725.225,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.21973024308681488},{"word":"conversation","start":1725.225,"end":1725.725,"confidence":0.84033203,"punctuated_word":"conversation,","sentiment":"neutral","sentiment_score":0.2186804711818695},{"word":"and","start":1725.785,"end":1725.9451,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2029504626989365},{"word":"we'll","start":1725.9451,"end":1726.185,"confidence":0.9995117,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.20028530061244965},{"word":"look","start":1726.185,"end":1726.3451,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.2084099054336548},{"word":"at","start":1726.3451,"end":1726.425,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2128688395023346},{"word":"your","start":1726.425,"end":1726.665,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.268893837928772},{"word":"five","start":1726.665,"end":1726.905,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.2101978212594986},{"word":"to","start":1726.905,"end":1726.985,"confidence":0.9716797,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16602769494056702},{"word":"ten","start":1726.985,"end":1727.225,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.20176845788955688},{"word":"year","start":1727.225,"end":1727.4651,"confidence":0.99609375,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.22529664635658264},{"word":"plan","start":1727.4651,"end":1727.785,"confidence":1.0,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.30054113268852234},{"word":"and","start":1727.785,"end":1727.9451,"confidence":0.6586914,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21432040631771088},{"word":"look","start":1727.9451,"end":1728.185,"confidence":0.9301758,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.22422075271606445},{"word":"look","start":1728.185,"end":1728.3451,"confidence":0.97265625,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.26774415373802185},{"word":"at","start":1728.3451,"end":1728.5851,"confidence":0.9902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2428194284439087},{"word":"investing","start":1728.5851,"end":1728.905,"confidence":0.83984375,"punctuated_word":"investing","sentiment":"neutral","sentiment_score":0.2186299264431},{"word":"and","start":1728.905,"end":1729.0651,"confidence":0.97265625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2973187565803528},{"word":"building","start":1729.0651,"end":1729.4651,"confidence":1.0,"punctuated_word":"building","sentiment":"neutral","sentiment_score":0.3327668011188507},{"word":"wealth","start":1729.4651,"end":1729.785,"confidence":0.9970703,"punctuated_word":"wealth","sentiment":"positive","sentiment_score":0.3800428509712219},{"word":"in","start":1729.785,"end":1729.9451,"confidence":0.9970703,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3412134647369385},{"word":"all","start":1729.9451,"end":1730.105,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.26820293068885803},{"word":"those","start":1730.105,"end":1730.3451,"confidence":0.9863281,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.2779446542263031},{"word":"areas","start":1730.3451,"end":1730.8451,"confidence":0.84350586,"punctuated_word":"areas.","sentiment":"neutral","sentiment_score":0.2694256901741028},{"word":"and","start":1731.305,"end":1731.4651,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.19752244651317596},{"word":"let's","start":1731.4651,"end":1731.625,"confidence":0.99902344,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.21932266652584076},{"word":"see","start":1731.625,"end":1731.785,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.22793811559677124},{"word":"what","start":1731.785,"end":1731.9451,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2200680375099182},{"word":"we","start":1731.9451,"end":1732.025,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.22678928077220917},{"word":"can","start":1732.025,"end":1732.185,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2563106119632721},{"word":"do","start":1732.185,"end":1732.3451,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.3047894835472107},{"word":"to","start":1732.3451,"end":1732.505,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.29895728826522827},{"word":"help","start":1732.505,"end":1732.745,"confidence":0.99902344,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.29062649607658386},{"word":"you","start":1732.745,"end":1732.905,"confidence":0.9970703,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.33429720997810364},{"word":"moving","start":1732.905,"end":1733.225,"confidence":0.99902344,"punctuated_word":"moving","sentiment":"positive","sentiment_score":0.38148343563079834},{"word":"forward","start":1733.225,"end":1733.725,"confidence":1.0,"punctuated_word":"forward.","sentiment":"neutral","sentiment_score":0.2979747951030731},{"word":"okay","start":1733.785,"end":1734.285,"confidence":0.84277344,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.21182265877723697},{"word":"izzy","start":1735.7051,"end":1736.185,"confidence":0.73583984,"punctuated_word":"Izzy,","sentiment":"neutral","sentiment_score":0.26459306478500366},{"word":"do","start":1736.185,"end":1736.3451,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08642470836639404},{"word":"you","start":1736.3451,"end":1736.425,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11022409796714784},{"word":"have","start":1736.425,"end":1736.665,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1048882007598877},{"word":"any","start":1736.665,"end":1736.905,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.10152792930603027},{"word":"questions","start":1736.905,"end":1737.305,"confidence":0.79785156,"punctuated_word":"questions?","sentiment":"neutral","sentiment_score":0.10583989322185516},{"word":"is","start":1737.305,"end":1737.385,"confidence":0.9838867,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.07955673336982727},{"word":"there","start":1737.385,"end":1737.625,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.09016402065753935},{"word":"anything","start":1737.625,"end":1737.9451,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.0982198715209961},{"word":"else","start":1737.9451,"end":1738.265,"confidence":1.0,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.07239996641874313},{"word":"that","start":1738.265,"end":1738.425,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06442863494157791},{"word":"you","start":1738.425,"end":1738.5851,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06430409848690033},{"word":"might","start":1738.5851,"end":1738.745,"confidence":0.99902344,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.06658788025379181},{"word":"think","start":1738.745,"end":1738.905,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.07329250127077103},{"word":"of","start":1738.905,"end":1739.145,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06243856996297836},{"word":"that","start":1739.145,"end":1739.225,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.052044063806533813},{"word":"i","start":1739.225,"end":1739.43,"confidence":0.9707031,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05230548977851868},{"word":"haven't","start":1739.43,"end":1739.67,"confidence":0.99902344,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":0.044810663908720016},{"word":"touched","start":1739.67,"end":1739.91,"confidence":0.99902344,"punctuated_word":"touched","sentiment":"neutral","sentiment_score":0.04177955538034439},{"word":"on","start":1739.91,"end":1740.2301,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06672151386737823},{"word":"or","start":1740.2301,"end":1740.4701,"confidence":0.89990234,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.019040565937757492},{"word":"i've","start":1740.4701,"end":1740.79,"confidence":0.9941406,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.019062545150518417},{"word":"missed","start":1740.79,"end":1741.1901,"confidence":0.7609863,"punctuated_word":"missed?","sentiment":"neutral","sentiment_score":0.022538885474205017},{"word":"or","start":1741.1901,"end":1741.6901,"confidence":0.9902344,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.02241581305861473},{"word":"no","start":1747.27,"end":1747.43,"confidence":0.82177734,"punctuated_word":"no?","sentiment":"neutral","sentiment_score":-0.0171783659607172},{"word":"no","start":1747.43,"end":1747.93,"confidence":0.9807129,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.008989676833152771},{"word":"absolutely","start":1751.1901,"end":1751.6901,"confidence":0.99658203,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.26700711250305176},{"word":"beautiful","start":1753.015,"end":1753.495,"confidence":0.99853516,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.39604586362838745},{"word":"let's","start":1753.495,"end":1753.815,"confidence":0.9995117,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":0.09135480970144272},{"word":"find","start":1753.815,"end":1754.135,"confidence":0.99609375,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.1056150048971176},{"word":"your","start":1754.135,"end":1754.455,"confidence":0.98828125,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06219090893864632},{"word":"tom","start":1754.455,"end":1754.775,"confidence":0.8510742,"punctuated_word":"Tom","sentiment":"neutral","sentiment_score":0.059371814131736755},{"word":"scenario","start":1754.775,"end":1755.275,"confidence":0.8652344,"punctuated_word":"scenario.","sentiment":"neutral","sentiment_score":0.07002317160367966},{"word":"let's","start":1755.575,"end":1755.895,"confidence":1.0,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":0.04646766930818558},{"word":"find","start":1755.895,"end":1756.215,"confidence":0.9980469,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.04146360233426094},{"word":"matthew's","start":1756.215,"end":1756.715,"confidence":0.83374023,"punctuated_word":"Matthew's","sentiment":"neutral","sentiment_score":0.05859917029738426},{"word":"scenario","start":1756.775,"end":1757.275,"confidence":0.9995117,"punctuated_word":"scenario.","sentiment":"neutral","sentiment_score":0.07836264371871948},{"word":"yep","start":1757.495,"end":1757.995,"confidence":0.7883301,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1004570722579956},{"word":"beautiful","start":1760.295,"end":1760.795,"confidence":0.9995117,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.42651891708374023},{"word":"well","start":1760.935,"end":1761.175,"confidence":0.92456055,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.1942967176437378},{"word":"look","start":1761.175,"end":1761.415,"confidence":0.7775879,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":0.22345495223999023},{"word":"that's","start":1761.415,"end":1761.655,"confidence":0.9975586,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.21997813880443573},{"word":"everything","start":1761.655,"end":1762.135,"confidence":0.99902344,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.24521958827972412},{"word":"i","start":1762.135,"end":1762.215,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2295850366353989},{"word":"needed","start":1762.215,"end":1762.615,"confidence":0.98291016,"punctuated_word":"needed","sentiment":"neutral","sentiment_score":0.23151300847530365},{"word":"to","start":1762.615,"end":1762.695,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23283237218856812},{"word":"go","start":1762.695,"end":1762.935,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2192054986953735},{"word":"through","start":1762.935,"end":1763.175,"confidence":1.0,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.2521427273750305},{"word":"if","start":1763.175,"end":1763.415,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.21003569662570953},{"word":"anything","start":1763.415,"end":1763.735,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.21036136150360107},{"word":"comes","start":1763.735,"end":1764.055,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.1496219038963318},{"word":"up","start":1764.055,"end":1764.215,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1480516791343689},{"word":"question","start":1764.215,"end":1764.535,"confidence":0.98095703,"punctuated_word":"question","sentiment":"neutral","sentiment_score":0.1693417727947235},{"word":"wise","start":1764.535,"end":1764.935,"confidence":0.9741211,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":0.17336270213127136},{"word":"let","start":1764.935,"end":1765.095,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.1991199851036072},{"word":"us","start":1765.095,"end":1765.335,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.1911494731903076},{"word":"know","start":1765.335,"end":1765.495,"confidence":0.9970703,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.24931535124778748},{"word":"you","start":1765.495,"end":1765.655,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.21108339726924896},{"word":"don't","start":1765.655,"end":1765.895,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.19672612845897677},{"word":"have","start":1765.895,"end":1766.135,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.18921610713005063},{"word":"to","start":1766.135,"end":1766.215,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12909890711307526},{"word":"wait","start":1766.215,"end":1766.455,"confidence":1.0,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":0.08217501640319824},{"word":"till","start":1766.455,"end":1766.615,"confidence":0.79541016,"punctuated_word":"till","sentiment":"neutral","sentiment_score":0.17325244843959808},{"word":"the","start":1766.615,"end":1766.695,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16416558623313904},{"word":"next","start":1766.695,"end":1767.015,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.15111622214317322},{"word":"appointment","start":1767.015,"end":1767.495,"confidence":0.98950195,"punctuated_word":"appointment.","sentiment":"neutral","sentiment_score":0.14260657131671906},{"word":"let","start":1767.495,"end":1767.75,"confidence":0.9980469,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":0.1259382963180542},{"word":"sammy","start":1767.83,"end":1767.91,"confidence":0.60791016,"punctuated_word":"Sammy","sentiment":"neutral","sentiment_score":0.12357314676046371},{"word":"or","start":1767.91,"end":1768.15,"confidence":0.9428711,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.1289084553718567},{"word":"myself","start":1768.15,"end":1768.63,"confidence":0.9902344,"punctuated_word":"myself","sentiment":"neutral","sentiment_score":0.14927668869495392},{"word":"know","start":1768.63,"end":1769.13,"confidence":0.9926758,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.1518694907426834},{"word":"if","start":1769.35,"end":1769.59,"confidence":0.5136719,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.06855005770921707},{"word":"you're","start":1769.59,"end":1769.75,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.4923461377620697},{"word":"happy","start":1769.75,"end":1770.15,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.7047387957572937},{"word":"to","start":1770.15,"end":1770.31,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5656883716583252},{"word":"sign","start":1770.31,"end":1770.55,"confidence":1.0,"punctuated_word":"sign","sentiment":"positive","sentiment_score":0.4440270960330963},{"word":"those","start":1770.55,"end":1770.79,"confidence":0.99902344,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.43810105323791504},{"word":"documents","start":1770.79,"end":1771.19,"confidence":0.9995117,"punctuated_word":"documents,","sentiment":"positive","sentiment_score":0.4211875796318054},{"word":"we'll","start":1771.19,"end":1771.35,"confidence":1.0,"punctuated_word":"we'll","sentiment":"positive","sentiment_score":0.4291249215602875},{"word":"get","start":1771.35,"end":1771.51,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.37511593103408813},{"word":"you","start":1771.51,"end":1771.67,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4514699578285218},{"word":"to","start":1771.67,"end":1771.75,"confidence":0.9941406,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.37977251410484314},{"word":"sign","start":1771.75,"end":1771.91,"confidence":0.99902344,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.26028114557266235},{"word":"and","start":1771.91,"end":1771.99,"confidence":0.96240234,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.293621689081192},{"word":"return","start":1771.99,"end":1772.31,"confidence":1.0,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.3950836658477783},{"word":"those","start":1772.31,"end":1772.63,"confidence":0.9863281,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.39837101101875305},{"word":"back","start":1772.63,"end":1772.79,"confidence":0.99316406,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.3049147427082062},{"word":"at","start":1772.79,"end":1772.95,"confidence":0.8144531,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.33233755826950073},{"word":"your","start":1772.95,"end":1773.27,"confidence":0.79003906,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3711888790130615},{"word":"most","start":1773.27,"end":1773.59,"confidence":0.6958008,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.3239777088165283},{"word":"available","start":1773.59,"end":1774.09,"confidence":0.99902344,"punctuated_word":"available","sentiment":"neutral","sentiment_score":0.28163477778434753},{"word":"opportunity","start":1774.15,"end":1774.65,"confidence":0.99902344,"punctuated_word":"opportunity","sentiment":"neutral","sentiment_score":0.2848871648311615},{"word":"and","start":1775.27,"end":1775.51,"confidence":0.58496094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23347775638103485},{"word":"send","start":1775.51,"end":1776.01,"confidence":0.9550781,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.06039334088563919},{"word":"oh","start":1776.55,"end":1776.63,"confidence":0.92456055,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.29117000102996826},{"word":"you're","start":1776.63,"end":1776.87,"confidence":0.9824219,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.4068427979946137},{"word":"the","start":1776.87,"end":1777.37,"confidence":0.9741211,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4323355555534363},{"word":"legend","start":1777.43,"end":1777.93,"confidence":0.8552246,"punctuated_word":"legend.","sentiment":"positive","sentiment_score":0.3659393787384033},{"word":"and","start":1778.07,"end":1778.23,"confidence":0.9951172,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2398862987756729},{"word":"they'll","start":1778.23,"end":1778.39,"confidence":0.814209,"punctuated_word":"they'll","sentiment":"neutral","sentiment_score":0.24418573081493375},{"word":"get","start":1778.39,"end":1778.55,"confidence":0.9550781,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.30428460240364075},{"word":"send","start":1778.63,"end":1778.79,"confidence":0.93359375,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.2630395293235779},{"word":"me","start":1778.79,"end":1778.95,"confidence":0.99609375,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.24820153415203097},{"word":"to","start":1778.95,"end":1779.11,"confidence":0.9453125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1972483992576599},{"word":"book","start":1779.11,"end":1779.35,"confidence":0.99902344,"punctuated_word":"book","sentiment":"neutral","sentiment_score":0.2283923625946045},{"word":"you","start":1779.35,"end":1779.43,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.26917368173599243},{"word":"back","start":1779.43,"end":1779.59,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.23141121864318848},{"word":"in","start":1779.59,"end":1779.91,"confidence":0.9440918,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.2059266567230225},{"word":"she'll","start":1779.91,"end":1780.15,"confidence":0.9589844,"punctuated_word":"She'll","sentiment":"neutral","sentiment_score":0.22189709544181824},{"word":"give","start":1780.15,"end":1780.31,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.2529035210609436},{"word":"you","start":1780.31,"end":1780.39,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29364141821861267},{"word":"a","start":1780.39,"end":1780.47,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23181551694869995},{"word":"call","start":1780.47,"end":1780.71,"confidence":0.99902344,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.2240789234638214},{"word":"in","start":1780.71,"end":1780.87,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1656651496887207},{"word":"three","start":1780.87,"end":1781.11,"confidence":0.9980469,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.17159532010555267},{"word":"weeks","start":1781.11,"end":1781.35,"confidence":0.99609375,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":0.20320722460746765},{"word":"to","start":1781.35,"end":1781.51,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1924709677696228},{"word":"book","start":1781.51,"end":1781.67,"confidence":0.99902344,"punctuated_word":"book","sentiment":"neutral","sentiment_score":0.2505955696105957},{"word":"you","start":1781.67,"end":1781.83,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.33219748735427856},{"word":"back","start":1781.83,"end":1781.99,"confidence":0.99316406,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.24881087243556976},{"word":"in","start":1781.99,"end":1782.15,"confidence":0.9770508,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.26596537232398987},{"word":"for","start":1782.15,"end":1782.23,"confidence":0.96240234,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2692657709121704},{"word":"the","start":1782.23,"end":1782.585,"confidence":0.95166016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25652357935905457},{"word":"month","start":1782.6649,"end":1782.985,"confidence":0.9902344,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.27551165223121643},{"word":"so","start":1782.985,"end":1783.065,"confidence":0.890625,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2893837094306946},{"word":"we","start":1783.065,"end":1783.3049,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3341790437698364},{"word":"can","start":1783.3049,"end":1783.5449,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3787238001823426},{"word":"really","start":1783.5449,"end":1783.7849,"confidence":0.99902344,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.4399122893810272},{"word":"knock","start":1783.7849,"end":1784.105,"confidence":0.5541992,"punctuated_word":"knock","sentiment":"positive","sentiment_score":0.4897857308387756},{"word":"out","start":1784.105,"end":1784.345,"confidence":0.9970703,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.4716013073921203},{"word":"what","start":1784.345,"end":1784.505,"confidence":0.9970703,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.46947336196899414},{"word":"you","start":1784.505,"end":1784.745,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5310778617858887},{"word":"need","start":1784.745,"end":1785.065,"confidence":0.90356445,"punctuated_word":"need,","sentiment":"positive","sentiment_score":0.35952842235565186},{"word":"what","start":1785.065,"end":1785.225,"confidence":0.9921875,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.5033708810806274},{"word":"you're","start":1785.225,"end":1785.465,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.3641117215156555},{"word":"after","start":1785.465,"end":1785.945,"confidence":0.953125,"punctuated_word":"after,","sentiment":"neutral","sentiment_score":0.24608010053634644},{"word":"and","start":1785.945,"end":1786.265,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3326224684715271},{"word":"really","start":1786.265,"end":1786.505,"confidence":0.98828125,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.3645634949207306},{"word":"do","start":1786.505,"end":1786.6649,"confidence":0.9580078,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.37404024600982666},{"word":"some","start":1786.6649,"end":1786.9049,"confidence":0.99902344,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.39239734411239624},{"word":"financial","start":1786.9049,"end":1787.385,"confidence":1.0,"punctuated_word":"financial","sentiment":"positive","sentiment_score":0.35181114077568054},{"word":"advice","start":1787.385,"end":1787.705,"confidence":0.99316406,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.3254075050354004},{"word":"and","start":1787.705,"end":1787.945,"confidence":0.9038086,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3074018061161041},{"word":"give","start":1787.945,"end":1788.105,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.31165531277656555},{"word":"you","start":1788.105,"end":1788.585,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3878786861896515},{"word":"give","start":1788.585,"end":1788.9049,"confidence":0.5600586,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.3043440282344818},{"word":"you","start":1788.9049,"end":1789.065,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3447410464286804},{"word":"your","start":1789.065,"end":1789.385,"confidence":0.9980469,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4313781261444092},{"word":"little","start":1789.385,"end":1789.705,"confidence":0.99902344,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.3369045853614807},{"word":"scenario","start":1789.705,"end":1790.205,"confidence":0.9719238,"punctuated_word":"scenario,","sentiment":"neutral","sentiment_score":0.28721389174461365},{"word":"your","start":1790.265,"end":1790.505,"confidence":0.9980469,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4298516809940338},{"word":"math","start":1790.505,"end":1790.745,"confidence":0.37719727,"punctuated_word":"math","sentiment":"neutral","sentiment_score":0.3272300064563751},{"word":"year","start":1790.745,"end":1790.9049,"confidence":0.19458008,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.210344597697258},{"word":"scenario","start":1790.9049,"end":1791.4049,"confidence":0.8952637,"punctuated_word":"scenario,","sentiment":"neutral","sentiment_score":0.25759994983673096},{"word":"and","start":1791.705,"end":1791.865,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.26502493023872375},{"word":"your","start":1791.865,"end":1792.1849,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3831029236316681},{"word":"passport","start":1792.1849,"end":1792.6849,"confidence":0.7836914,"punctuated_word":"passport","sentiment":"neutral","sentiment_score":0.33054327964782715},{"word":"over","start":1793.065,"end":1793.3049,"confidence":0.9980469,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.2569795250892639},{"word":"the","start":1793.3049,"end":1793.385,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2217959463596344},{"word":"next","start":1793.385,"end":1793.705,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.21012797951698303},{"word":"five","start":1793.705,"end":1793.945,"confidence":0.99902344,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.2048886865377426},{"word":"to","start":1793.945,"end":1794.105,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1599418818950653},{"word":"ten","start":1794.105,"end":1794.345,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.1920035481452942},{"word":"years","start":1794.345,"end":1794.845,"confidence":0.99853516,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.13806454837322235},{"word":"okay","start":1794.9049,"end":1795.4049,"confidence":0.99316406,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.3952792286872864},{"word":"easy","start":1797.4,"end":1797.8,"confidence":0.9748535,"punctuated_word":"Easy.","sentiment":"positive","sentiment_score":0.7575728893280029},{"word":"thank","start":1797.8,"end":1798.04,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7669968008995056},{"word":"you","start":1798.04,"end":1798.28,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8098704814910889},{"word":"so","start":1798.28,"end":1798.52,"confidence":0.99902344,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.8229187726974487},{"word":"much","start":1798.52,"end":1798.76,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.8420344591140747},{"word":"for","start":1798.76,"end":1798.92,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7917320132255554},{"word":"your","start":1798.92,"end":1799.0801,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7888088226318359},{"word":"time","start":1799.0801,"end":1799.4,"confidence":0.9995117,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.8204114437103271},{"word":"i","start":1799.4,"end":1799.56,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.7742578983306885},{"word":"really","start":1799.56,"end":1799.9601,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.7569568753242493},{"word":"appreciate","start":1799.9601,"end":1800.4601,"confidence":1.0,"punctuated_word":"appreciate","sentiment":"positive","sentiment_score":0.7565638422966003},{"word":"it","start":1800.52,"end":1801.02,"confidence":1.0,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.703892707824707},{"word":"no","start":1803.2401,"end":1803.4801,"confidence":0.96435547,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.009958580136299132},{"word":"worries","start":1803.4801,"end":1803.9801,"confidence":0.99902344,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.06099715828895569},{"word":"yeah","start":1805.56,"end":1806.06,"confidence":0.9633789,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.025367921218276024},{"word":"absolutely","start":1809.575,"end":1809.8949,"confidence":0.9328613,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.5835241079330444},{"word":"you","start":1809.8949,"end":1810.135,"confidence":0.99609375,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.7181015014648438},{"word":"have","start":1810.135,"end":1810.2949,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.7299128174781799},{"word":"a","start":1810.2949,"end":1810.455,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6993871927261353},{"word":"lovely","start":1810.455,"end":1810.855,"confidence":1.0,"punctuated_word":"lovely","sentiment":"positive","sentiment_score":0.7870403528213501},{"word":"afternoon","start":1810.855,"end":1811.355,"confidence":0.9995117,"punctuated_word":"afternoon.","sentiment":"positive","sentiment_score":0.8004316091537476},{"word":"i","start":1811.4149,"end":1811.495,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.7344697713851929},{"word":"hope","start":1811.495,"end":1811.735,"confidence":1.0,"punctuated_word":"hope","sentiment":"positive","sentiment_score":0.6917933821678162},{"word":"everything","start":1811.735,"end":1812.135,"confidence":1.0,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.7057255506515503},{"word":"goes","start":1812.135,"end":1812.375,"confidence":1.0,"punctuated_word":"goes","sentiment":"positive","sentiment_score":0.7073143720626831},{"word":"well","start":1812.375,"end":1812.615,"confidence":1.0,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.6438782215118408},{"word":"over","start":1812.615,"end":1812.7749,"confidence":0.99902344,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.7145476937294006},{"word":"the","start":1812.7749,"end":1812.9349,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6120010614395142},{"word":"next","start":1812.9349,"end":1813.1749,"confidence":1.0,"punctuated_word":"next","sentiment":"positive","sentiment_score":0.5475336313247681},{"word":"few","start":1813.1749,"end":1813.335,"confidence":0.9970703,"punctuated_word":"few","sentiment":"positive","sentiment_score":0.49639952182769775},{"word":"weeks","start":1813.335,"end":1813.575,"confidence":1.0,"punctuated_word":"weeks","sentiment":"positive","sentiment_score":0.5089263319969177},{"word":"for","start":1813.575,"end":1813.6549,"confidence":0.9951172,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6942825317382812},{"word":"you","start":1813.6549,"end":1813.815,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6832695007324219},{"word":"with","start":1813.815,"end":1813.975,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.7137334942817688},{"word":"the","start":1813.975,"end":1814.135,"confidence":0.9951172,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6465532779693604},{"word":"settlement","start":1814.135,"end":1814.615,"confidence":0.7729492,"punctuated_word":"settlement,","sentiment":"positive","sentiment_score":0.5841243267059326},{"word":"and","start":1814.615,"end":1814.7749,"confidence":0.98217773,"punctuated_word":"and,","sentiment":"positive","sentiment_score":0.4023279547691345},{"word":"yeah","start":1814.7749,"end":1815.0149,"confidence":0.9980469,"punctuated_word":"yeah,","sentiment":"positive","sentiment_score":0.4741489589214325},{"word":"looking","start":1815.0149,"end":1815.255,"confidence":0.98535156,"punctuated_word":"looking","sentiment":"positive","sentiment_score":0.6339090466499329},{"word":"forward","start":1815.255,"end":1815.495,"confidence":0.99902344,"punctuated_word":"forward","sentiment":"positive","sentiment_score":0.6215361952781677},{"word":"to","start":1815.495,"end":1815.575,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6169959902763367},{"word":"catching","start":1815.575,"end":1815.975,"confidence":0.9790039,"punctuated_word":"catching","sentiment":"positive","sentiment_score":0.6072983741760254},{"word":"up","start":1815.975,"end":1816.475,"confidence":0.9812012,"punctuated_word":"up.","sentiment":"positive","sentiment_score":0.46888095140457153},{"word":"thank","start":1818.695,"end":1818.9349,"confidence":0.98828125,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5278762578964233},{"word":"you","start":1818.9349,"end":1819.255,"confidence":0.9790039,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4978629946708679},{"word":"talk","start":1819.255,"end":1819.495,"confidence":0.984375,"punctuated_word":"Talk","sentiment":"neutral","sentiment_score":0.2961566746234894},{"word":"soon","start":1819.495,"end":1819.815,"confidence":0.99853516,"punctuated_word":"soon.","sentiment":"neutral","sentiment_score":0.28268763422966003},{"word":"see","start":1819.815,"end":1819.975,"confidence":1.0,"punctuated_word":"See","sentiment":"neutral","sentiment_score":0.20065507292747495},{"word":"you","start":1819.975,"end":1820.135,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2510437071323395},{"word":"later","start":1820.135,"end":1820.635,"confidence":1.0,"punctuated_word":"later.","sentiment":"neutral","sentiment_score":0.2524868845939636},{"word":"bye","start":1820.855,"end":1821.355,"confidence":0.9785156,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.10202261805534364}],"paragraphs":{"transcript":"\nYeah. Matt, are you there? Oh, that's okay. No. You're right.\n\nI thought it was me. I was like, oh my god. I lost you. I'm so sorry. All good.\n\nSo now I got here that you've got one son, which is 21 year old, and the other two kids are 18. They're financial dependent. Yep. Beautiful. Lovely.\n\nSo happy to keep your beneficiary as it is noted there. Yep. It is. Yeah. Just the three kids.\n\nYeah. Beautiful. I will just double check the MetLife beneficiary as well. Just looking to see if I have that here on record just to make sure. But are you wanting your in your life insurance to be structured the same way beneficiary wise?\n\nYep. I'm just quickly having a look. So insurance beneficiary, I do have the same. So I've got Alexander to get 32%, Jordan to get 36, and Sophie for 32%. So it is structured the same way.\n\nYeah. That's fine. Perfect. Just to make sure that is all paid out as per your wishes. If something was to happen, I'm touching all the wood to make sure that we don't jinx you in any way, shape, or form.\n\nNo. Excellent. Now you've also got the TBD cover there. So TBD pays out either a lump sum benefit or an income stream in the event that you're unable to ever go back to work again due to permanent incapacity. And if you are TBD, we can also claim TBD on your sofa.\n\nOne thing I do like to make sure I'll mention to people is if you claim TBD and you are under the age of 60, there are tax consequences. I wholeheartedly disagree with this. But, unfortunately, there is a tax of up to 22% paid on PPD if you do withdraw the full amount and you're under 60. I know it's horrible. I disagree with that in every way, shape, or form.\n\nI think the last thing you should be taxed if you're disabled is on your your TBD benefit and your super side of things. With with that, I do also like to point out it's up to 22%. So there is a fun little math equation that got that the super funds all go through when they are paying out to sort of show how much tax would be covered. It could definitely be less than 22%. As as advisers, if you do happen to claim on TPD, we will help you with the claim, but then we will also provide financial advice to show you how to consequences and how to use the funds.\n\nSo as it pays out what you need to, but so it also stays invested work for you, whether it's drawing an income stream on a regular basis or, you know, drawing certain lump sums every so often. So rest assured as much as that's not a great aspect of TBD, we will provide financial advice in that instance if you did have to claim to sorta help you along. Okay? Yep. Perfect.\n\nNow with the TBD, you do have a little bit less. So your current cover is 730,958. And, again, you've got your 162,000 of super, which can be claimed as well. Do you feel like that's a fairly comfortable amount for CBD? Did you wanna kinda look at altering that at all?\n\nThat's okay. Yep. Beautiful. And then you've got your income protection benefit as well. The current monthly benefit pretax is 6,188.\n\nYour income I have here is about 127,000 plus a car. Is that right? Yeah. Beautiful. So if we have a look with income protection, you can be covered for up to 70% of your income.\n\nJust having a look at what that looks like. So to be covered for 70% of your current income based at the 127,500, it does mean that we would need to have, sorry, just quickly doing some math for you, a monthly benefit of 7,437 and 50¢. So you are just slightly underinsured there. Given your current circumstances that you are selling the house with everything going on, do you feel like the monthly benefit of 6,188 pretax would be sufficient for you, or did you wanna look at maybe increasing your income protection for that little bit of extra peace of mind? That's okay.\n\nYeah. I can. Yeah. That's okay. Yeah.\n\nAbsolutely. No. Not a problem at all. And because we are gonna meet in a couple of weeks, you've kind of got this context here. So if something comes up and you go, hey.\n\nMaybe I do wanna reassess or maybe, you know, what this scenario, you can always bring those up with me again. We have that secondary conversation to really, knock down, and we can always reassess it at any point. You don't have to wait to end your review time. If something ever comes up, that you wanted us to discuss or look at, you're welcome to let us know. We'll book you in and make sure we have those conversations with you as well.\n\nOkay? Beautiful. Lovely. Now just so you are aware, there are other types of insurances that you can hold, things like trauma. And because you do have children, you can also get child trauma policies as well.\n\nThese sort of policies are paid out of your back pocket, so probably not preferable now with all the changes going on. But, essentially, trauma and child trauma tend to pay out a lump sum tax free benefits in the event that you or your kids are diagnosed as major traumatic events. Some of the bigger ones that are considered are like cancer. For trauma, it also covers things like heart attacks, strokes, Parkinson's, or other neurological conditions. So they are major conditions, that they that you can claim on, and these are the policies can be fairly cheap depending on how much you wanna be covered for.\n\nBut the problem with trauma and child trauma is you have to pay for it out of your back pocket. So it does depend upon your current cash flow, living expenses, and how everything's going for yourself as to whether you can afford to cover that cost. Whereas, yeah, whereas life and income protection, you can hold inside super and pay out of your super side of things. So there is just that to sort of make sure that you're aware of as well. Are you wanting?\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nNo. That's absolutely fine. That's not a problem at all. Easy done. So that's essentially looking at your super and the insurance side of things.\n\nIt's good to see things are working there for you. Just looking at goal wise with your super, I mean, I know we're gonna look at sort of the next five to ten years and look at investing outside of super and all the other aspects there for you. But are you sort of hoping to, at the age of 60, maybe be able to start working and access your super, so try to access super at the earliest possible opportunity. What's your thoughts with your super goal? Yeah.\n\nYeah. Beautiful. Yeah. Yeah. Yeah.\n\nAbsolutely. No. Perfect. Well, what I'll do for your super side of things, I'll work on a goal of 60. That essentially means we're tracking for the earliest possible retirement with your super side, and then essentially gives you the option to continue working if you want to, or you can stop working if you choose to as well.\n\nOkay? Yeah. Yep. Yeah. Yeah.\n\nAbsolutely. And what we'll do is once I've got an idea of your goals and we have that second conversation, I can run all those scenarios for you. I can look at whether we put money into super now and kinda build up to two fifty then stop salary sacrificing and, you know, put money into an investment outside and what that projection looks like or whether we do it simultaneously. I will run all those projections to come up with the advice for you. That's my job to make sure I look at all the different options and scenarios and work out the best one.\n\nAnd then I'll let you know what I'm recommending, why I'm recommending that the advantages, disadvantages, and the risks. And I also put alternatives into the appendix for you as well so you can see other things that we may have considered and why we went with the option we did. But, yeah, though those sorts of scenarios are absolutely worth looking at. Yes. Definitely.\n\nIt also comes down to what your expendable income looks like, what you have available to you, and what you're comfortable investing as well without, you know, eating too much away the cash flow because you do have kids, and the cost of living is definitely not cheap. It's expensive. Yeah. But no. Those are the things that are definitely worth looking at.\n\nAbsolutely. Yeah. Perfect. Now at the moment, I know we will sort of update these things down the track, but at the moment, are you finding you are managing to save anything at all at the end of the week, or is everything kinda going into the property whilst you are going through that settlement phase? Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Fantastic. Yep. Yep. Beautiful.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nAbsolutely. There is an there is an end in sight for you with regard to it. So that absolutely. Yep. No.\n\nAll good. I've got your contents here. Rough value of about 10,000 currently. Is that what you sort of value your contents at, do you think? Yeah.\n\nYeah. No. That's okay. Yep. Perfect.\n\nAnd then I've also got in here that you because you got a car with your package, Samantha mentioned to me that you've sold the car that you had the Novated lease on, but you still have a residual payment to make of about $8,000. Is that right? Yes. Yes. Yeah.\n\nOkay. Yeah. Yeah. Yep. Yeah.\n\nYeah. Yeah. Yep. That's good. No.\n\nThat's absolutely perfect. Fantastic. And having that gone will be very, very good and starting again. And, look, starting again isn't always bad. It gives you a fresh start.\n\nYou can start from zero, and then you know the only way is up from there. So not always a bad thing. Yeah. No. It'll be fantastic.\n\nDo you have any other assets you'd note down any other I've I don't have because your car is with your employer, so you don't have any other cars, boats, caravans, or anything else to note down? Nope. That's okay. Do you have any shares of cryptocurrency or anything else that you might have had for the last few years? No.\n\nThat's okay. All good. Estate planning sides of things as well, because you are kinda going through this change and you do have kids, have you thought about drafting up a will with a solicitor? Yep. Yep.\n\nYes. Yeah. Absolutely. So, I mean, the beneficiaries are valid before where they are. And, essentially, the way this would look to work if you were to pass away, your eldest child who is over 21 would be able to then receive the full benefit straight to him.\n\nHowever, your children who are under the age of 18, essentially has to go through the guardian because they can't really make those financial decisions on their own. So it would come down to the guardian, which I assume would be Emily, your ex wife. So she would essentially either have the option of withdrawing the funds to the kids as a whole, or she can look to set up in like, pension income streams in super. And those can stay with the kids until they essentially turn, I think, at 21 these days. And they can be receiving regular income streams.\n\nBut your eldest child would receive the funds direct to him, being as he is no longer technically a financial dependent under the CIS Act. And then, yeah, the other kids, it would all come down to essentially what your the guardian wants to do with the funds, either draw it out as a full lump sum to be used for the kids, or they can sort of keep that in the super system until they reach a certain age and draw regular income down. So that would all depend on what the guardian wants to do. There is another way to set up your beneficiaries where you can nominate your legal personal representative, and you can do this on your life insurance as well. You just tick the LPR box, and that means a 100% of the benefit goes straight through to your will.\n\nAnd then through your will, you can have things like trust set up for testamentary trust, where you allocate what percentage of your assets go to what child, how you want that set up, who the guardian is that's gonna control the money for the kids. It it sort of just comes down to what what your relationship is and how you think she would handle the money and whether the kids would get the benefit or whether you want a lot more control around how the money is paid to the kids. I know to give you a bit of context in my circumstances, I have an ex husband, and I had two kids to him. So when we split up, I got remarried and had a third child, but my ex husband's terrible with money, and he was horrible to have to deal with. So I essentially set up my will, and I had to trust it up through my will.\n\nThat meant that my sister and my new husband's sister had control of the funds and had to rejoin signatories so that he had to prove to them that the money was used for our children and for their schooling costs and things like that. And that just gave me a lot more control and certainty that the money would be held for my children in the event of me passing away. So you can have a lot more control with a will around that sort of thing, and that's really important to think about as well. Yeah. Yeah.\n\nIt's It's a hard it's a hard conversation to have, but it's definitely one to sort of think about and understand. And it also comes down to, you know, what's the relationship between you and Emily like, and what do you think she's likely to do? Is she likely to do the right thing or, you know, how how does she handle money and just sort of having us think about what you want to happen? No. Yeah.\n\nBeautiful. Beautiful. Beautiful. Excellent. The right thing.\n\nYeah. Perfect. Perfect. So what I would probably also maybe make mention of is just sort of keeping something somewhere. Because if you were to pass away, let our let your oldest child know that we are your financial advisers and that in the event of a claim occurring, that they just need to call us and we help with the claim process and just letting them know.\n\nI mean, I hope nothing happens, but it is really important. It's sort of one thing I have come across as an adviser over the years is that not everyone knows that people have a financial adviser or where their suit is located or their life insurances. And I've had it come across where, you know, a couple of months down the track, someone's passed away and some a family member calls up and goes, hey. I've found your number. Who are you?\n\nWhat have you got? What's happening here? And then you go through the claims process a little bit late, and they didn't know the money was there. They weren't aware of how to get access to it, and they had a bit of a struggle time. So I always do think it's worth just making sure somebody in your family that you trust knows, whether it's your beneficiaries or your ex wife, that they know to in the event of you passing, they just have to call us, and we facilitate the claim with them.\n\nWe are very security conscious, so they can't just call up willy nilly and ask for information. Essentially, we have to be able to be provided with your will and a death certificate to be able to assist, and we will only be able to speak to the executor. So whoever is the executor of your will and your estate is the one person who can come and help facilitate the claim. So whether that's your eldest child or your ex wife or just somebody else that you trust, that's the person that is able to call that is able to facilitate the claim for your beneficiaries if it's not one of your beneficiaries, and that's how we sort of help them with the process. Yeah.\n\nYeah. There's a there's a lot to it, isn't there? We sort of all think that once once we go, it just all happens, but there's definitely a lot of a lot that happens in the back end around the estate planning, around the the will, and around the claiming on the deceased estate that that we do take into account when we are dealing with this a deceased estate, and that has to happen. So, yeah, there's a lot to happen in the back end. But, yeah, it's pretty cool.\n\nAnd a few things for you to think about too. No. All good. So having a look at things, look, we've gone through most of it now. If you like, what I can do is I can send you through a bit of a general information just on a local solicitor with a bit of a costing if you like, just on how much they charge to do up a will and a power of attorney just to give you something to think about.\n\nI can also look into obviously, each state has trustees that can help do wills and things like that as well. I can also do a little bit of research around your local trustee and what they charge to do a will and power of attorney. If you want us to give you some general information for you to have a think about, would you like that, Matthew? Yeah. Beautiful.\n\nI'll organize that email for you. It's not an issue at all. Basically, with where we are at the moment, we'll have another conversation in about four weeks. I'll get Sammy to give you a call and book you in so we can kinda have a bit more of a conversation around your goals and what we're looking for advice wise both inside and outside super. You've got a few things to think about with the estate planning side of things there as well.\n\nAnd, obviously, there's a lot going on with the sale of your property. Goal wise, I've got down that we're sort of looking to invest in outside of super. You're sort of looking to see where things are tracking and how we can build wealth both with super and externally over the next five to ten years. And with your super, we're tracking for a goal of accessing 60 to give you that option there. Am I missing anything goal wise or with any of this?\n\nIs there anything else that you kind of wanted me to incorporate? Or no. No. Absolutely. Yeah.\n\nYep. No. Perfect. Perfect. I feel like it is good to just let you go through this settlement process first, work out where things are up to once you go through that, look at what your expendable cash is, look at what your income looks like, what your circumstances then also look like.\n\nThat way, the advice we do provide is accurate and in your best interest. Otherwise, doing that now and then having things change in four weeks means we have to go back and reevaluate the advice if it's no longer in your best interest. So I do personally like to make sure that when we are providing advice that it is in your best interest that we are factoring in all of your circumstances. And if there's an expected change in the short term that we do note and recognize that for you. So I definitely think this is the best course of action, but I'm really looking forward to putting this together for you and running the projections and seeing what we can come up with.\n\nSo I'm very excited. It'd be good. Fantastic. I've confirmed that your insurance is all good. There's no changes there.\n\nBut in the next sort of couple of weeks, if you do think about anything that comes up or you wanna reassess them or you feel like the levels of cover aren't accurate, just sort of note down some questions, and we can always go through those again when we speak in about four weeks there. Is there any other goals or anything else that sort of come to mind over the next one year, two years, five years that you think we might need to maybe factor in? Yep. Yep. Yep.\n\nYeah. Yeah. Yeah. Yeah. Yep.\n\nYeah. Yep. Yeah. Absolutely. That's it.\n\nThat's fine. We can factor in. Yeah. Absolutely. Most definitely.\n\nYeah. No. Not a problem at all. Fantastic. I like it.\n\nWell, the only other thing to let you know is when we do come back, I'll kinda go through things in a bit more detail with you. But that ongoing service agreement you do have in the email there is just letting you know you do pay an ongoing service fee for our services looking after your super. It is 1.65% per annum, and then the the amount is deducted out of your super on a monthly basis. So it is linked to the performance of your super. Just so you are aware, if we do recommend investment accounts and things like that, we do also charge an ongoing service fee for the monitoring of those because they are outside of super.\n\nHowever, we take your 1.65% currently, and we split that across. So we'll, you know, look to prorated that across the two different accounts for you. But I'll be able to, as part of the advice, show you what the fee structure looks like and show you what the expected fees are as part of the advice, and then you can let me know whether you're comfortable with doing that or not. But does that make sense, and do you have any questions about the fee structure currently? No.\n\nBeautiful. Excellent. You're right. Yeah. You can if you like.\n\nWhere so you having a look. You're you're in Ipswich. If you wanna come into the office, we can absolutely do it. We're in Southport. So if you wanna do that, that's fine.\n\nWe can do it by Teams. We can do it over the phone. I'm happy to meet however you would like to. What would you prefer? Yeah.\n\nMake a day of it and come to the Gold Coast. Yeah. Absolutely. Absolutely. Well, what I'll do is I'll let Samantha know that that's kind of what your preference is.\n\nAnd when she gives you a call to book you in, I'll get her to give you a call in three weeks. That way, we've got a bit of time, and she can book you in when it suits you. And, yeah, absolutely, if there's a day or time that suits you. The only day I don't work at the moment is Fridays. I have Fridays off to look after my son, but I do work Monday to Thursday, and I'm here from anywhere from 07:30 in the morning right up until about 7PM at So we can make that work.\n\nEven Friday is the only time that suits you, she will still book it, and I will come into the office. So do not worry. I just like to let everyone know I'm pretty flexible Fridays. I just try to do it in between school hours because it's technically, I take that day for my son. So I have a little bit of work life balance there.\n\nBut if Friday is the only day that works for you, I will make it happen, and I'll make sure Samantha's aware of that as well. Okay? Easy. All good. No.\n\nThat's honestly fine. I have done it before. I know sometimes Fridays are the only day or the best day, especially when you have kids, and I'll make it work. But yeah. Look.\n\nAny other day, if you wanna make a day of it, morning or afternoon, we'll make sure it happens for you. It's not a problem at all. Okay. It'd be great to meet you in person, actually. It'd be fun.\n\nYeah. Excellent. Fantastic. The only other thing to let you know is so you've got the attached documents there that we have gone through. I've also got the financial services guide attached there for you.\n\nIt does have a lovely picture of me in there, also all my licensing information as a full licensed adviser for you as well. So feel free to run your eyes over that. If you find you have any questions in relation to any of those documents, please let me know. I'll get Sammy to give you a call in the next sort of four three weeks so she can book you back in for another conversation, and we'll look at your five to ten year plan and look look at investing and building wealth in all those areas. And let's see what we can do to help you moving forward.\n\nOkay? Izzy, do you have any questions? Is there anything else that you might think of that I haven't touched on or I've missed? Or no? No.\n\nAbsolutely. Beautiful. Let's find your Tom scenario. Let's find Matthew's scenario. Yep.\n\nBeautiful. Well, look. That's everything I needed to go through. If anything comes up question wise, let us know. You don't have to wait till the next appointment.\n\nLet Sammy or myself know. If you're happy to sign those documents, we'll get you to sign and return those back at your most available opportunity and send oh, you're the legend. And they'll get send me to book you back in. She'll give you a call in three weeks to book you back in for the month so we can really knock out what you need, what you're after, and really do some financial advice and give you give you your little scenario, your math year scenario, and your passport over the next five to ten years. Okay.\n\nEasy. Thank you so much for your time. I really appreciate it. No worries. Yeah.\n\nAbsolutely. You have a lovely afternoon. I hope everything goes well over the next few weeks for you with the settlement, and, yeah, looking forward to catching up. Thank you. Talk soon.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Yeah.","start":3.84,"end":4.08,"sentiment":"neutral","sentiment_score":0.011492177844047546},{"text":"Matt, are you there?","start":4.08,"end":5.2999997,"sentiment":"neutral","sentiment_score":-0.01102581585291773},{"text":"Oh, that's okay.","start":7.9199996,"end":9.46,"sentiment":"neutral","sentiment_score":-0.1782238781452179},{"text":"No.","start":9.599999,"end":9.92,"sentiment":"neutral","sentiment_score":-0.20730271935462952},{"text":"You're right.","start":9.92,"end":10.32,"sentiment":"neutral","sentiment_score":-0.20021121203899384}],"sentiment":"neutral","sentiment_score":-0.10681889667599039,"num_words":11,"start":3.84,"end":10.32},{"sentences":[{"text":"I thought it was me.","start":10.32,"end":11.36,"sentiment":"neutral","sentiment_score":-0.21147285997867585},{"text":"I was like, oh my god.","start":11.36,"end":12.32,"sentiment":"neutral","sentiment_score":-0.2885795434315999},{"text":"I lost you.","start":12.32,"end":12.96,"sentiment":"negative","sentiment_score":-0.4322900076707204},{"text":"I'm so sorry.","start":12.96,"end":13.86,"sentiment":"neutral","sentiment_score":-0.29547668993473053},{"text":"All good.","start":16.175,"end":16.914999,"sentiment":"neutral","sentiment_score":0.19548115134239197}],"sentiment":"neutral","sentiment_score":-0.24111470266392357,"num_words":19,"start":10.32,"end":16.914999},{"sentences":[{"text":"So now I got here that you've got one son, which is 21 year old, and the other two kids are 18.","start":16.975,"end":23.055,"sentiment":"neutral","sentiment_score":0.05425912328064442},{"text":"They're financial dependent.","start":23.055,"end":24.275,"sentiment":"neutral","sentiment_score":0.021502946503460407},{"text":"Yep.","start":25.615,"end":26.015,"sentiment":"neutral","sentiment_score":0.20513944327831268},{"text":"Beautiful.","start":26.015,"end":26.515,"sentiment":"positive","sentiment_score":0.676692545413971},{"text":"Lovely.","start":26.575,"end":27.055,"sentiment":"positive","sentiment_score":0.7212759852409363}],"sentiment":"neutral","sentiment_score":0.10218991162920636,"num_words":28,"start":16.975,"end":27.055},{"sentences":[{"text":"So happy to keep your beneficiary as it is noted there.","start":27.055,"end":30.115,"sentiment":"positive","sentiment_score":0.6947748552669178},{"text":"Yep.","start":31.93,"end":32.43,"sentiment":"neutral","sentiment_score":0.07827240228652954},{"text":"It is.","start":34.41,"end":35.07,"sentiment":"neutral","sentiment_score":0.1086227111518383},{"text":"Yeah.","start":35.13,"end":35.45,"sentiment":"neutral","sentiment_score":0.0816439762711525},{"text":"Just the three kids.","start":35.45,"end":36.81,"sentiment":"neutral","sentiment_score":0.0637202737852931}],"sentiment":"positive","sentiment_score":0.4355034896809804,"num_words":19,"start":27.055,"end":36.81},{"sentences":[{"text":"Yeah.","start":36.81,"end":37.31,"sentiment":"neutral","sentiment_score":0.06860500574111938},{"text":"Beautiful.","start":38.97,"end":39.47,"sentiment":"positive","sentiment_score":0.5948969721794128},{"text":"I will just double check the MetLife beneficiary as well.","start":40.01,"end":43.129997,"sentiment":"neutral","sentiment_score":0.2843564376235008},{"text":"Just looking to see if I have that here on record just to make sure.","start":43.129997,"end":47.184998,"sentiment":"neutral","sentiment_score":0.13377331644296647},{"text":"But are you wanting your in your life insurance to be structured the same way beneficiary wise?","start":47.184998,"end":52.885,"sentiment":"neutral","sentiment_score":0.07488067491966136}],"sentiment":"neutral","sentiment_score":0.15424176305532455,"num_words":44,"start":36.81,"end":52.885},{"sentences":[{"text":"Yep.","start":55.345,"end":55.845,"sentiment":"neutral","sentiment_score":0.03301578760147095},{"text":"I'm just quickly having a look.","start":57.665,"end":59.52,"sentiment":"neutral","sentiment_score":0.0595675619939963},{"text":"So insurance beneficiary, I do have the same.","start":59.52,"end":62.0,"sentiment":"neutral","sentiment_score":0.10682987421751022},{"text":"So I've got Alexander to get 32%, Jordan to get 36, and Sophie for 32%.","start":62.0,"end":67.6,"sentiment":"neutral","sentiment_score":0.11715328544378281},{"text":"So it is structured the same way.","start":67.6,"end":69.68,"sentiment":"neutral","sentiment_score":0.13911006173917226}],"sentiment":"neutral","sentiment_score":0.10746296938206698,"num_words":37,"start":55.345,"end":69.68},{"sentences":[{"text":"Yeah.","start":69.68,"end":69.92,"sentiment":"neutral","sentiment_score":0.17376741766929626},{"text":"That's fine.","start":69.92,"end":70.74,"sentiment":"neutral","sentiment_score":0.32467204332351685},{"text":"Perfect.","start":71.314995,"end":71.814995,"sentiment":"positive","sentiment_score":0.5985866785049438},{"text":"Just to make sure that is all paid out as per your wishes.","start":72.515,"end":75.41499,"sentiment":"neutral","sentiment_score":0.32424827837027037},{"text":"If something was to happen, I'm touching all the wood to make sure that we don't jinx you in any way, shape, or form.","start":75.555,"end":81.41499,"sentiment":"neutral","sentiment_score":0.04183024843223393}],"sentiment":"neutral","sentiment_score":0.16197199424410738,"num_words":41,"start":69.68,"end":81.41499},{"sentences":[{"text":"No.","start":83.28,"end":83.520004,"sentiment":"neutral","sentiment_score":0.05907287821173668},{"text":"Excellent.","start":83.520004,"end":84.020004,"sentiment":"positive","sentiment_score":0.3494388163089752},{"text":"Now you've also got the TBD cover there.","start":84.64,"end":86.72,"sentiment":"neutral","sentiment_score":0.22786512784659863},{"text":"So TBD pays out either a lump sum benefit or an income stream in the event that you're unable to ever go back to work again due to permanent incapacity.","start":86.72,"end":94.66,"sentiment":"neutral","sentiment_score":0.11344800419174135},{"text":"And if you are TBD, we can also claim TBD on your sofa.","start":95.375,"end":99.875,"sentiment":"neutral","sentiment_score":0.15919780229719785}],"sentiment":"neutral","sentiment_score":0.14536687307376064,"num_words":53,"start":83.28,"end":99.875},{"sentences":[{"text":"One thing I do like to make sure I'll mention to people is if you claim TBD and you are under the age of 60, there are tax consequences.","start":100.415,"end":108.435,"sentiment":"neutral","sentiment_score":-0.022032200744182898},{"text":"I wholeheartedly disagree with this.","start":108.655,"end":110.67,"sentiment":"neutral","sentiment_score":-0.32070536613464357},{"text":"But, unfortunately, there is a tax of up to 22% paid on PPD if you do withdraw the full amount and you're under 60.","start":111.15,"end":120.53,"sentiment":"neutral","sentiment_score":-0.21514843869954348},{"text":"I know it's horrible.","start":120.59,"end":121.549995,"sentiment":"negative","sentiment_score":-0.44671977311372757},{"text":"I disagree with that in every way, shape, or form.","start":121.549995,"end":124.13,"sentiment":"negative","sentiment_score":-0.3879998058080673}],"sentiment":"neutral","sentiment_score":-0.1815680601608215,"num_words":72,"start":100.415,"end":124.13},{"sentences":[{"text":"I think the last thing you should be taxed if you're disabled is on your your TBD benefit and your super side of things.","start":125.115,"end":132.255,"sentiment":"neutral","sentiment_score":-0.22422897722572088},{"text":"With with that, I do also like to point out it's up to 22%.","start":133.355,"end":137.515,"sentiment":"neutral","sentiment_score":-0.044197810015508106},{"text":"So there is a fun little math equation that got that the super funds all go through when they are paying out to sort of show how much tax would be covered.","start":137.515,"end":146.22,"sentiment":"neutral","sentiment_score":0.005971653095912188},{"text":"It could definitely be less than 22%.","start":146.22,"end":148.48,"sentiment":"neutral","sentiment_score":-0.06313432593430791},{"text":"As as advisers, if you do happen to claim on TPD, we will help you with the claim, but then we will also provide financial advice to show you how to consequences and how to use the funds.","start":149.26,"end":159.925,"sentiment":"neutral","sentiment_score":0.14040780753681534}],"sentiment":"neutral","sentiment_score":-0.007961873823533888,"num_words":115,"start":125.115,"end":159.925},{"sentences":[{"text":"So as it pays out what you need to, but so it also stays invested work for you, whether it's drawing an income stream on a regular basis or, you know, drawing certain lump sums every so often.","start":160.545,"end":172.57,"sentiment":"neutral","sentiment_score":0.10537469970356476},{"text":"So rest assured as much as that's not a great aspect of TBD, we will provide financial advice in that instance if you did have to claim to sorta help you along.","start":172.57,"end":182.27,"sentiment":"neutral","sentiment_score":0.06643362157046795},{"text":"Okay?","start":182.33,"end":182.83,"sentiment":"neutral","sentiment_score":0.038945697247982025},{"text":"Yep.","start":183.835,"end":184.235,"sentiment":"neutral","sentiment_score":0.1541643738746643},{"text":"Perfect.","start":184.235,"end":184.735,"sentiment":"neutral","sentiment_score":0.3220621943473816}],"sentiment":"neutral","sentiment_score":0.0910313252665817,"num_words":73,"start":160.545,"end":184.735},{"sentences":[{"text":"Now with the TBD, you do have a little bit less.","start":185.195,"end":187.675,"sentiment":"neutral","sentiment_score":0.03742119111120701},{"text":"So your current cover is 730,958.","start":187.675,"end":192.395,"sentiment":"neutral","sentiment_score":0.02634554449468851},{"text":"And, again, you've got your 162,000 of super, which can be claimed as well.","start":192.395,"end":197.215,"sentiment":"neutral","sentiment_score":0.0814802912729127},{"text":"Do you feel like that's a fairly comfortable amount for CBD?","start":197.36,"end":200.18,"sentiment":"neutral","sentiment_score":0.07041887972842563},{"text":"Did you wanna kinda look at altering that at all?","start":200.24,"end":202.74,"sentiment":"neutral","sentiment_score":-0.006683248840272426}],"sentiment":"neutral","sentiment_score":0.046503954531195074,"num_words":52,"start":185.195,"end":202.74},{"sentences":[{"text":"That's okay.","start":204.72,"end":205.54,"sentiment":"neutral","sentiment_score":0.12431180104613304},{"text":"Yep.","start":205.6,"end":206.08,"sentiment":"neutral","sentiment_score":0.19290676712989807},{"text":"Beautiful.","start":206.08,"end":206.58,"sentiment":"positive","sentiment_score":0.4384537935256958},{"text":"And then you've got your income protection benefit as well.","start":207.12,"end":210.18,"sentiment":"neutral","sentiment_score":0.20337514579296112},{"text":"The current monthly benefit pretax is 6,188.","start":210.48,"end":215.455,"sentiment":"neutral","sentiment_score":0.12636832147836685}],"sentiment":"neutral","sentiment_score":0.18087208909647806,"num_words":21,"start":204.72,"end":215.455},{"sentences":[{"text":"Your income I have here is about 127,000 plus a car.","start":216.075,"end":221.355,"sentiment":"neutral","sentiment_score":0.09400747106833891},{"text":"Is that right?","start":221.355,"end":222.255,"sentiment":"neutral","sentiment_score":0.1163909633954366},{"text":"Yeah.","start":223.595,"end":224.075,"sentiment":"neutral","sentiment_score":0.21092236042022705},{"text":"Beautiful.","start":224.075,"end":224.575,"sentiment":"neutral","sentiment_score":0.2990860939025879},{"text":"So if we have a look with income protection, you can be covered for up to 70% of your income.","start":224.795,"end":229.79999,"sentiment":"neutral","sentiment_score":0.07491752300411463}],"sentiment":"neutral","sentiment_score":0.09421149962064293,"num_words":36,"start":216.075,"end":229.79999},{"sentences":[{"text":"Just having a look at what that looks like.","start":230.57999,"end":232.92,"sentiment":"neutral","sentiment_score":0.07460452698998982},{"text":"So to be covered for 70% of your current income based at the 127,500, it does mean that we would need to have, sorry, just quickly doing some math for you, a monthly benefit of 7,437 and 50¢.","start":233.37999,"end":251.92499,"sentiment":"neutral","sentiment_score":0.06951690369562523},{"text":"So you are just slightly underinsured there.","start":251.92499,"end":254.58499,"sentiment":"neutral","sentiment_score":-0.023651417876992906},{"text":"Given your current circumstances that you are selling the house with everything going on, do you feel like the monthly benefit of 6,188 pretax would be sufficient for you, or did you wanna look at maybe increasing your income protection for that little bit of extra peace of mind?","start":254.805,"end":272.86,"sentiment":"neutral","sentiment_score":0.1306677684187889},{"text":"That's okay.","start":276.415,"end":277.155,"sentiment":"neutral","sentiment_score":-0.03672444075345993}],"sentiment":"neutral","sentiment_score":0.09045459639925796,"num_words":105,"start":230.57999,"end":277.155},{"sentences":[{"text":"Yeah.","start":279.295,"end":279.795,"sentiment":"neutral","sentiment_score":-0.02637229673564434},{"text":"I can.","start":282.495,"end":283.155,"sentiment":"neutral","sentiment_score":-0.005274727940559387},{"text":"Yeah.","start":283.935,"end":284.435,"sentiment":"neutral","sentiment_score":-0.020172875374555588},{"text":"That's okay.","start":284.495,"end":285.315,"sentiment":"neutral","sentiment_score":-0.025355896912515163},{"text":"Yeah.","start":297.82498,"end":298.145,"sentiment":"neutral","sentiment_score":0.25217974185943604}],"sentiment":"neutral","sentiment_score":0.020624760006155287,"num_words":7,"start":279.295,"end":298.145},{"sentences":[{"text":"Absolutely.","start":298.145,"end":298.645,"sentiment":"positive","sentiment_score":0.4067450165748596},{"text":"No.","start":301.10498,"end":301.425,"sentiment":"neutral","sentiment_score":0.13128596544265747},{"text":"Not a problem at all.","start":301.425,"end":302.305,"sentiment":"neutral","sentiment_score":0.1313684180378914},{"text":"And because we are gonna meet in a couple of weeks, you've kind of got this context here.","start":302.305,"end":306.145,"sentiment":"neutral","sentiment_score":0.1473523374232981},{"text":"So if something comes up and you go, hey.","start":306.145,"end":308.22498,"sentiment":"neutral","sentiment_score":0.11526607059770161}],"sentiment":"neutral","sentiment_score":0.14366499356487217,"num_words":34,"start":298.145,"end":308.22498},{"sentences":[{"text":"Maybe I do wanna reassess or maybe, you know, what this scenario, you can always bring those up with me again.","start":308.22498,"end":314.28,"sentiment":"neutral","sentiment_score":0.14532851676146188},{"text":"We have that secondary conversation to really, knock down, and we can always reassess it at any point.","start":314.28,"end":320.2,"sentiment":"neutral","sentiment_score":0.23064413170019785},{"text":"You don't have to wait to end your review time.","start":320.2,"end":322.2,"sentiment":"neutral","sentiment_score":0.1392368942499161},{"text":"If something ever comes up, that you wanted us to discuss or look at, you're welcome to let us know.","start":322.2,"end":327.775,"sentiment":"neutral","sentiment_score":0.187560024112463},{"text":"We'll book you in and make sure we have those conversations with you as well.","start":327.775,"end":331.45502,"sentiment":"neutral","sentiment_score":0.26828203002611795}],"sentiment":"neutral","sentiment_score":0.1948963464016006,"num_words":84,"start":308.22498,"end":331.45502},{"sentences":[{"text":"Okay?","start":331.45502,"end":331.95502,"sentiment":"neutral","sentiment_score":0.18085290491580963},{"text":"Beautiful.","start":333.05502,"end":333.55502,"sentiment":"positive","sentiment_score":0.6565834879875183},{"text":"Lovely.","start":333.775,"end":334.17502,"sentiment":"neutral","sentiment_score":0.3055933713912964},{"text":"Now just so you are aware, there are other types of insurances that you can hold, things like trauma.","start":334.17502,"end":339.09,"sentiment":"neutral","sentiment_score":-0.08738908818677853},{"text":"And because you do have children, you can also get child trauma policies as well.","start":339.15,"end":343.33,"sentiment":"neutral","sentiment_score":0.032947740703821185}],"sentiment":"neutral","sentiment_score":-0.0006255892080229683,"num_words":37,"start":331.45502,"end":343.33},{"sentences":[{"text":"These sort of policies are paid out of your back pocket, so probably not preferable now with all the changes going on.","start":343.63,"end":349.57,"sentiment":"neutral","sentiment_score":-0.08763824911280112},{"text":"But, essentially, trauma and child trauma tend to pay out a lump sum tax free benefits in the event that you or your kids are diagnosed as major traumatic events.","start":350.03,"end":359.815,"sentiment":"neutral","sentiment_score":-0.007749541165928046},{"text":"Some of the bigger ones that are considered are like cancer.","start":360.195,"end":363.33502,"sentiment":"neutral","sentiment_score":-0.0615657273341309},{"text":"For trauma, it also covers things like heart attacks, strokes, Parkinson's, or other neurological conditions.","start":363.875,"end":369.92,"sentiment":"neutral","sentiment_score":-0.006639938863615195},{"text":"So they are major conditions, that they that you can claim on, and these are the policies can be fairly cheap depending on how much you wanna be covered for.","start":369.92,"end":379.28,"sentiment":"neutral","sentiment_score":0.1032706535110871}],"sentiment":"neutral","sentiment_score":0.0014886093170692523,"num_words":108,"start":343.63,"end":379.28},{"sentences":[{"text":"But the problem with trauma and child trauma is you have to pay for it out of your back pocket.","start":379.28,"end":383.765,"sentiment":"negative","sentiment_score":-0.35856637358665466},{"text":"So it does depend upon your current cash flow, living expenses, and how everything's going for yourself as to whether you can afford to cover that cost.","start":383.765,"end":392.025,"sentiment":"neutral","sentiment_score":-0.28440589485345064},{"text":"Whereas, yeah, whereas life and income protection, you can hold inside super and pay out of your super side of things.","start":392.805,"end":399.91,"sentiment":"neutral","sentiment_score":-0.12297057750679198},{"text":"So there is just that to sort of make sure that you're aware of as well.","start":400.29,"end":404.15,"sentiment":"neutral","sentiment_score":-0.08916913904249668},{"text":"Are you wanting?","start":404.69,"end":405.75,"sentiment":"neutral","sentiment_score":-0.021937639142076176}],"sentiment":"neutral","sentiment_score":-0.21753089543132262,"num_words":87,"start":379.28,"end":405.75},{"sentences":[{"text":"Yeah.","start":406.375,"end":406.875,"sentiment":"neutral","sentiment_score":-0.07951288670301437},{"text":"Yeah.","start":414.695,"end":415.195,"sentiment":"neutral","sentiment_score":-0.07710055261850357},{"text":"Yeah.","start":415.415,"end":415.915,"sentiment":"neutral","sentiment_score":-0.04073790833353996},{"text":"Yeah.","start":427.43,"end":427.91,"sentiment":"neutral","sentiment_score":0.033488668501377106},{"text":"Yeah.","start":427.91,"end":428.41,"sentiment":"neutral","sentiment_score":0.031024813652038578}],"sentiment":"neutral","sentiment_score":-0.026567573100328444,"num_words":5,"start":406.375,"end":428.41},{"sentences":[{"text":"No.","start":430.805,"end":431.045,"sentiment":"neutral","sentiment_score":0.14599457383155823},{"text":"That's absolutely fine.","start":431.045,"end":432.405,"sentiment":"neutral","sentiment_score":0.32057999571164447},{"text":"That's not a problem at all.","start":432.405,"end":433.845,"sentiment":"positive","sentiment_score":0.5009284367163976},{"text":"Easy done.","start":433.845,"end":434.805,"sentiment":"positive","sentiment_score":0.5040083825588226},{"text":"So that's essentially looking at your super and the insurance side of things.","start":434.805,"end":437.845,"sentiment":"positive","sentiment_score":0.3931177831613101}],"sentiment":"positive","sentiment_score":0.40927412509918215,"num_words":25,"start":430.805,"end":437.845},{"sentences":[{"text":"It's good to see things are working there for you.","start":437.845,"end":440.345,"sentiment":"positive","sentiment_score":0.6283775448799134},{"text":"Just looking at goal wise with your super, I mean, I know we're gonna look at sort of the next five to ten years and look at investing outside of super and all the other aspects there for you.","start":440.48502,"end":449.97,"sentiment":"positive","sentiment_score":0.33416017928184605},{"text":"But are you sort of hoping to, at the age of 60, maybe be able to start working and access your super, so try to access super at the earliest possible opportunity.","start":449.97,"end":458.855,"sentiment":"neutral","sentiment_score":0.2624785762745887},{"text":"What's your thoughts with your super goal?","start":458.995,"end":460.935,"sentiment":"neutral","sentiment_score":0.17723953936781203},{"text":"Yeah.","start":462.995,"end":463.495,"sentiment":"neutral","sentiment_score":0.06499866396188736}],"sentiment":"neutral","sentiment_score":0.3260787901248825,"num_words":89,"start":437.845,"end":463.495},{"sentences":[{"text":"Yeah.","start":469.155,"end":469.655,"sentiment":"neutral","sentiment_score":0.32135316729545593},{"text":"Beautiful.","start":469.955,"end":470.455,"sentiment":"positive","sentiment_score":0.5822077393531799},{"text":"Yeah.","start":480.92,"end":481.42,"sentiment":"neutral","sentiment_score":0.02826092764735222},{"text":"Yeah.","start":481.64,"end":482.14,"sentiment":"neutral","sentiment_score":0.030609317123889923},{"text":"Yeah.","start":490.77502,"end":490.855,"sentiment":"neutral","sentiment_score":0.09831279516220091}],"sentiment":"neutral","sentiment_score":0.2121487893164158,"num_words":5,"start":469.155,"end":490.855},{"sentences":[{"text":"Absolutely.","start":490.855,"end":491.355,"sentiment":"neutral","sentiment_score":0.16585621237754822},{"text":"No.","start":492.77502,"end":493.17502,"sentiment":"neutral","sentiment_score":0.02076856791973114},{"text":"Perfect.","start":493.17502,"end":493.49503,"sentiment":"neutral","sentiment_score":0.32592666149139404},{"text":"Well, what I'll do for your super side of things, I'll work on a goal of 60.","start":493.49503,"end":497.68,"sentiment":"positive","sentiment_score":0.34034976626143737},{"text":"That essentially means we're tracking for the earliest possible retirement with your super side, and then essentially gives you the option to continue working if you want to, or you can stop working if you choose to as well.","start":497.74002,"end":509.18,"sentiment":"neutral","sentiment_score":0.20940594164988932}],"sentiment":"neutral","sentiment_score":0.2451750710606575,"num_words":59,"start":490.855,"end":509.18},{"sentences":[{"text":"Okay?","start":509.18,"end":509.68,"sentiment":"neutral","sentiment_score":0.1119481325149536},{"text":"Yeah.","start":519.22504,"end":519.72504,"sentiment":"neutral","sentiment_score":0.10348919034004211},{"text":"Yep.","start":530.04,"end":530.54,"sentiment":"neutral","sentiment_score":0.13924387097358704},{"text":"Yeah.","start":540.375,"end":540.875,"sentiment":"neutral","sentiment_score":0.005728207528591156},{"text":"Yeah.","start":542.615,"end":543.015,"sentiment":"neutral","sentiment_score":0.21783071756362915}],"sentiment":"neutral","sentiment_score":0.11564802378416061,"num_words":5,"start":509.18,"end":543.015},{"sentences":[{"text":"Absolutely.","start":543.015,"end":543.515,"sentiment":"neutral","sentiment_score":0.3280562162399292},{"text":"And what we'll do is once I've got an idea of your goals and we have that second conversation, I can run all those scenarios for you.","start":544.215,"end":550.03,"sentiment":"neutral","sentiment_score":0.29404867709510857},{"text":"I can look at whether we put money into super now and kinda build up to two fifty then stop salary sacrificing and, you know, put money into an investment outside and what that projection looks like or whether we do it simultaneously.","start":550.03,"end":562.45,"sentiment":"neutral","sentiment_score":0.11578570453580035},{"text":"I will run all those projections to come up with the advice for you.","start":563.84503,"end":567.465,"sentiment":"neutral","sentiment_score":0.2781400957277843},{"text":"That's my job to make sure I look at all the different options and scenarios and work out the best one.","start":567.525,"end":572.585,"sentiment":"neutral","sentiment_score":0.3314137742632911}],"sentiment":"neutral","sentiment_score":0.22735666408080538,"num_words":106,"start":543.015,"end":572.585},{"sentences":[{"text":"And then I'll let you know what I'm recommending, why I'm recommending that the advantages, disadvantages, and the risks.","start":572.965,"end":578.46,"sentiment":"neutral","sentiment_score":0.19063109623599112},{"text":"And I also put alternatives into the appendix for you as well so you can see other things that we may have considered and why we went with the option we did.","start":578.86005,"end":587.2,"sentiment":"neutral","sentiment_score":0.19465117692016065},{"text":"But, yeah, though those sorts of scenarios are absolutely worth looking at.","start":587.98004,"end":591.42004,"sentiment":"neutral","sentiment_score":0.19445744094749293},{"text":"Yes.","start":591.42004,"end":591.74005,"sentiment":"positive","sentiment_score":0.4334707856178284},{"text":"Definitely.","start":591.74005,"end":592.22003,"sentiment":"positive","sentiment_score":0.4954328238964081}],"sentiment":"neutral","sentiment_score":0.20174186755097112,"num_words":65,"start":572.965,"end":592.22003},{"sentences":[{"text":"It also comes down to what your expendable income looks like, what you have available to you, and what you're comfortable investing as well without, you know, eating too much away the cash flow because you do have kids, and the cost of living is definitely not cheap.","start":592.22003,"end":605.925,"sentiment":"neutral","sentiment_score":0.11859026209761699},{"text":"It's expensive.","start":606.065,"end":606.725,"sentiment":"neutral","sentiment_score":-0.24741286039352417},{"text":"Yeah.","start":609.62994,"end":610.11,"sentiment":"neutral","sentiment_score":0.0428650975227356},{"text":"But no.","start":610.11,"end":610.67,"sentiment":"neutral","sentiment_score":-0.018240686506032944},{"text":"Those are the things that are definitely worth looking at.","start":610.67,"end":612.75,"sentiment":"neutral","sentiment_score":0.2222781479358673}],"sentiment":"neutral","sentiment_score":0.1178836835518716,"num_words":63,"start":592.22003,"end":612.75},{"sentences":[{"text":"Absolutely.","start":612.75,"end":613.25,"sentiment":"positive","sentiment_score":0.4843292832374573},{"text":"Yeah.","start":613.79,"end":614.29,"sentiment":"positive","sentiment_score":0.48618876934051514},{"text":"Perfect.","start":615.79,"end":616.29,"sentiment":"positive","sentiment_score":0.5981726050376892},{"text":"Now at the moment, I know we will sort of update these things down the track, but at the moment, are you finding you are managing to save anything at all at the end of the week, or is everything kinda going into the property whilst you are going through that settlement phase?","start":617.14996,"end":630.305,"sentiment":"neutral","sentiment_score":0.09713150251586482},{"text":"Yeah.","start":637.02,"end":637.52,"sentiment":"neutral","sentiment_score":0.18601033091545105}],"sentiment":"neutral","sentiment_score":0.1210994845942447,"num_words":57,"start":612.75,"end":637.52},{"sentences":[{"text":"Yeah.","start":647.91504,"end":648.41504,"sentiment":"neutral","sentiment_score":0.09939499199390411},{"text":"Yeah.","start":650.155,"end":650.655,"sentiment":"neutral","sentiment_score":0.13810284435749054},{"text":"Yeah.","start":650.715,"end":651.215,"sentiment":"neutral","sentiment_score":0.08786500990390778},{"text":"Yeah.","start":656.23505,"end":656.73505,"sentiment":"neutral","sentiment_score":-0.044318895787000656},{"text":"Yeah.","start":668.32996,"end":668.82996,"sentiment":"neutral","sentiment_score":0.05472119525074959}],"sentiment":"neutral","sentiment_score":0.06715302914381027,"num_words":5,"start":647.91504,"end":668.82996},{"sentences":[{"text":"Yeah.","start":668.97,"end":669.47,"sentiment":"neutral","sentiment_score":0.05249170958995819},{"text":"Fantastic.","start":679.745,"end":680.245,"sentiment":"positive","sentiment_score":0.7307124137878418},{"text":"Yep.","start":681.66504,"end":682.11,"sentiment":"neutral","sentiment_score":0.2998799979686737},{"text":"Yep.","start":683.07,"end":683.57,"sentiment":"neutral","sentiment_score":0.12443503737449646},{"text":"Beautiful.","start":687.07,"end":687.57,"sentiment":"positive","sentiment_score":0.4155150353908539}],"sentiment":"neutral","sentiment_score":0.3246068388223648,"num_words":5,"start":668.97,"end":687.57},{"sentences":[{"text":"Yeah.","start":691.14996,"end":691.64996,"sentiment":"neutral","sentiment_score":-0.019633326679468155},{"text":"Yeah.","start":706.62,"end":707.12,"sentiment":"neutral","sentiment_score":-0.024200420826673508},{"text":"Yeah.","start":708.06,"end":708.56,"sentiment":"neutral","sentiment_score":-0.06545582413673401},{"text":"Yeah.","start":710.78,"end":711.28,"sentiment":"neutral","sentiment_score":-0.08967150002717972},{"text":"Yeah.","start":714.94,"end":715.44,"sentiment":"neutral","sentiment_score":-0.052507106214761734}],"sentiment":"neutral","sentiment_score":-0.050293635576963425,"num_words":5,"start":691.14996,"end":715.44},{"sentences":[{"text":"Absolutely.","start":721.67505,"end":722.17505,"sentiment":"neutral","sentiment_score":0.09423986077308656},{"text":"There is an there is an end in sight for you with regard to it.","start":722.395,"end":725.91504,"sentiment":"neutral","sentiment_score":0.0096921406686306},{"text":"So that absolutely.","start":725.91504,"end":726.97504,"sentiment":"neutral","sentiment_score":0.20420334736506143},{"text":"Yep.","start":727.515,"end":728.015,"sentiment":"neutral","sentiment_score":0.03551759943366051},{"text":"No.","start":728.075,"end":728.55505,"sentiment":"neutral","sentiment_score":-0.05241147056221962}],"sentiment":"neutral","sentiment_score":0.03977800675091289,"num_words":21,"start":721.67505,"end":728.55505},{"sentences":[{"text":"All good.","start":728.55505,"end":729.375,"sentiment":"neutral","sentiment_score":0.05214369297027588},{"text":"I've got your contents here.","start":730.075,"end":731.62,"sentiment":"neutral","sentiment_score":0.016084158420562746},{"text":"Rough value of about 10,000 currently.","start":731.62,"end":733.95996,"sentiment":"neutral","sentiment_score":-0.009174262483914694},{"text":"Is that what you sort of value your contents at, do you think?","start":734.01996,"end":737.0,"sentiment":"neutral","sentiment_score":-0.011633147413914021},{"text":"Yeah.","start":738.66,"end":739.16,"sentiment":"neutral","sentiment_score":-0.015140076167881489}],"sentiment":"neutral","sentiment_score":-0.0013595699781069049,"num_words":27,"start":728.55505,"end":739.16},{"sentences":[{"text":"Yeah.","start":748.515,"end":748.755,"sentiment":"neutral","sentiment_score":-0.034188881516456604},{"text":"No.","start":748.755,"end":749.075,"sentiment":"neutral","sentiment_score":-0.06691178679466248},{"text":"That's okay.","start":749.075,"end":749.89496,"sentiment":"neutral","sentiment_score":-0.01888718083500862},{"text":"Yep.","start":750.755,"end":751.235,"sentiment":"neutral","sentiment_score":0.15280404686927795},{"text":"Perfect.","start":751.235,"end":751.735,"sentiment":"neutral","sentiment_score":0.331188440322876}],"sentiment":"neutral","sentiment_score":0.057519576201836266,"num_words":6,"start":748.515,"end":751.735},{"sentences":[{"text":"And then I've also got in here that you because you got a car with your package, Samantha mentioned to me that you've sold the car that you had the Novated lease on, but you still have a residual payment to make of about $8,000.","start":752.915,"end":764.23,"sentiment":"neutral","sentiment_score":0.07749054291182095},{"text":"Is that right?","start":764.23,"end":765.05,"sentiment":"neutral","sentiment_score":0.05825853844483694},{"text":"Yes.","start":766.55,"end":767.05,"sentiment":"neutral","sentiment_score":0.01255861669778824},{"text":"Yes.","start":769.19,"end":769.665,"sentiment":"neutral","sentiment_score":0.015643959864974022},{"text":"Yeah.","start":776.305,"end":776.805,"sentiment":"neutral","sentiment_score":0.0064196656458079815}],"sentiment":"neutral","sentiment_score":0.07247984879558869,"num_words":51,"start":752.915,"end":776.805},{"sentences":[{"text":"Okay.","start":785.36,"end":785.86,"sentiment":"neutral","sentiment_score":0.0030110646039247513},{"text":"Yeah.","start":801.215,"end":801.715,"sentiment":"neutral","sentiment_score":0.00179637735709548},{"text":"Yeah.","start":810.19,"end":810.69,"sentiment":"neutral","sentiment_score":-0.0032143015414476395},{"text":"Yep.","start":812.91003,"end":813.41003,"sentiment":"neutral","sentiment_score":0.023100093007087708},{"text":"Yeah.","start":826.20496,"end":826.605,"sentiment":"neutral","sentiment_score":0.0006357962265610695}],"sentiment":"neutral","sentiment_score":0.005065805930644274,"num_words":5,"start":785.36,"end":826.605},{"sentences":[{"text":"Yeah.","start":826.605,"end":827.105,"sentiment":"neutral","sentiment_score":0.016679592430591583},{"text":"Yeah.","start":829.40497,"end":829.90497,"sentiment":"neutral","sentiment_score":0.028083547949790955},{"text":"Yep.","start":835.13,"end":835.63,"sentiment":"neutral","sentiment_score":0.10530482232570648},{"text":"That's good.","start":836.09,"end":836.89,"sentiment":"neutral","sentiment_score":0.25533434748649597},{"text":"No.","start":836.89,"end":837.13,"sentiment":"neutral","sentiment_score":0.22619959712028503}],"sentiment":"neutral","sentiment_score":0.14782270913322768,"num_words":6,"start":826.605,"end":837.13},{"sentences":[{"text":"That's absolutely perfect.","start":837.13,"end":838.35004,"sentiment":"positive","sentiment_score":0.5114506880442301},{"text":"Fantastic.","start":838.49,"end":838.99,"sentiment":"positive","sentiment_score":0.7466408014297485},{"text":"And having that gone will be very, very good and starting again.","start":839.69,"end":842.97003,"sentiment":"positive","sentiment_score":0.6453492095073065},{"text":"And, look, starting again isn't always bad.","start":842.97003,"end":845.31,"sentiment":"positive","sentiment_score":0.43566458565848215},{"text":"It gives you a fresh start.","start":845.465,"end":846.905,"sentiment":"positive","sentiment_score":0.40467297037442523}],"sentiment":"positive","sentiment_score":0.534581837982967,"num_words":29,"start":837.13,"end":846.905},{"sentences":[{"text":"You can start from zero, and then you know the only way is up from there.","start":846.905,"end":850.425,"sentiment":"neutral","sentiment_score":0.26659268606454134},{"text":"So not always a bad thing.","start":850.425,"end":852.365,"sentiment":"neutral","sentiment_score":0.06992515549063683},{"text":"Yeah.","start":854.265,"end":854.66504,"sentiment":"neutral","sentiment_score":0.19945308566093445},{"text":"No.","start":854.66504,"end":854.905,"sentiment":"positive","sentiment_score":0.3347925543785095},{"text":"It'll be fantastic.","start":854.905,"end":855.965,"sentiment":"positive","sentiment_score":0.5294030904769897}],"sentiment":"neutral","sentiment_score":0.2521292156091443,"num_words":27,"start":846.905,"end":855.965},{"sentences":[{"text":"Do you have any other assets you'd note down any other I've I don't have because your car is with your employer, so you don't have any other cars, boats, caravans, or anything else to note down?","start":857.065,"end":868.04,"sentiment":"neutral","sentiment_score":0.05223158072378185},{"text":"Nope.","start":869.46,"end":869.7,"sentiment":"neutral","sentiment_score":-0.02219301462173462},{"text":"That's okay.","start":869.7,"end":870.52,"sentiment":"positive","sentiment_score":0.5483891367912292},{"text":"Do you have any shares of cryptocurrency or anything else that you might have had for the last few years?","start":870.82,"end":875.4,"sentiment":"neutral","sentiment_score":0.20506873689591884},{"text":"No.","start":876.905,"end":877.225,"sentiment":"neutral","sentiment_score":-0.05416076630353928}],"sentiment":"neutral","sentiment_score":0.11564537241566376,"num_words":61,"start":857.065,"end":877.225},{"sentences":[{"text":"That's okay.","start":877.225,"end":878.125,"sentiment":"neutral","sentiment_score":0.2542473003268242},{"text":"All good.","start":878.345,"end":879.085,"sentiment":"positive","sentiment_score":0.6367930769920349},{"text":"Estate planning sides of things as well, because you are kinda going through this change and you do have kids, have you thought about drafting up a will with a solicitor?","start":880.105,"end":888.205,"sentiment":"neutral","sentiment_score":0.14111322573115748},{"text":"Yep.","start":894.9,"end":895.4,"sentiment":"neutral","sentiment_score":0.02314753457903862},{"text":"Yep.","start":897.38,"end":897.88,"sentiment":"neutral","sentiment_score":0.029496310278773308}],"sentiment":"neutral","sentiment_score":0.16781715127463276,"num_words":37,"start":877.225,"end":897.88},{"sentences":[{"text":"Yes.","start":911.475,"end":911.975,"sentiment":"neutral","sentiment_score":-0.11903804540634157},{"text":"Yeah.","start":913.7,"end":914.10004,"sentiment":"neutral","sentiment_score":0.17801140248775482},{"text":"Absolutely.","start":914.10004,"end":914.60004,"sentiment":"positive","sentiment_score":0.3610494136810303},{"text":"So, I mean, the beneficiaries are valid before where they are.","start":915.06,"end":918.68,"sentiment":"neutral","sentiment_score":0.20803443952040238},{"text":"And, essentially, the way this would look to work if you were to pass away, your eldest child who is over 21 would be able to then receive the full benefit straight to him.","start":919.06,"end":929.625,"sentiment":"neutral","sentiment_score":0.24085315842838848}],"sentiment":"neutral","sentiment_score":0.22702935400108495,"num_words":48,"start":911.475,"end":929.625},{"sentences":[{"text":"However, your children who are under the age of 18, essentially has to go through the guardian because they can't really make those financial decisions on their own.","start":929.625,"end":937.865,"sentiment":"neutral","sentiment_score":-0.19516199940283382},{"text":"So it would come down to the guardian, which I assume would be Emily, your ex wife.","start":937.865,"end":941.55,"sentiment":"neutral","sentiment_score":-0.031004932654254577},{"text":"So she would essentially either have the option of withdrawing the funds to the kids as a whole, or she can look to set up in like, pension income streams in super.","start":942.91,"end":952.52997,"sentiment":"neutral","sentiment_score":0.19735224335454404},{"text":"And those can stay with the kids until they essentially turn, I think, at 21 these days.","start":952.67,"end":957.89496,"sentiment":"neutral","sentiment_score":0.22036595379605012},{"text":"And they can be receiving regular income streams.","start":958.51495,"end":961.65497,"sentiment":"positive","sentiment_score":0.33508570678532124}],"sentiment":"neutral","sentiment_score":0.06618194919371721,"num_words":102,"start":929.625,"end":961.65497},{"sentences":[{"text":"But your eldest child would receive the funds direct to him, being as he is no longer technically a financial dependent under the CIS Act.","start":962.675,"end":970.29,"sentiment":"neutral","sentiment_score":0.13341677367687224},{"text":"And then, yeah, the other kids, it would all come down to essentially what your the guardian wants to do with the funds, either draw it out as a full lump sum to be used for the kids, or they can sort of keep that in the super system until they reach a certain age and draw regular income down.","start":970.76996,"end":985.25,"sentiment":"neutral","sentiment_score":0.158446726637582},{"text":"So that would all depend on what the guardian wants to do.","start":985.25,"end":988.625,"sentiment":"neutral","sentiment_score":0.20900951698422432},{"text":"There is another way to set up your beneficiaries where you can nominate your legal personal representative, and you can do this on your life insurance as well.","start":988.76495,"end":997.665,"sentiment":"positive","sentiment_score":0.35553745712552753},{"text":"You just tick the LPR box, and that means a 100% of the benefit goes straight through to your will.","start":997.88495,"end":1002.64996,"sentiment":"positive","sentiment_score":0.4231013596057892}],"sentiment":"neutral","sentiment_score":0.23287871128012394,"num_words":145,"start":962.675,"end":1002.64996},{"sentences":[{"text":"And then through your will, you can have things like trust set up for testamentary trust, where you allocate what percentage of your assets go to what child, how you want that set up, who the guardian is that's gonna control the money for the kids.","start":1002.64996,"end":1018.015,"sentiment":"positive","sentiment_score":0.3645621648301249},{"text":"It it sort of just comes down to what what your relationship is and how you think she would handle the money and whether the kids would get the benefit or whether you want a lot more control around how the money is paid to the kids.","start":1018.955,"end":1031.24,"sentiment":"neutral","sentiment_score":0.2026979961293809},{"text":"I know to give you a bit of context in my circumstances, I have an ex husband, and I had two kids to him.","start":1031.24,"end":1037.32,"sentiment":"neutral","sentiment_score":-0.07143971308444937},{"text":"So when we split up, I got remarried and had a third child, but my ex husband's terrible with money, and he was horrible to have to deal with.","start":1037.32,"end":1045.195,"sentiment":"negative","sentiment_score":-0.3402045037725876},{"text":"So I essentially set up my will, and I had to trust it up through my will.","start":1045.195,"end":1049.6749,"sentiment":"neutral","sentiment_score":0.13704501048606985}],"sentiment":"neutral","sentiment_score":0.10457636107422091,"num_words":163,"start":1002.64996,"end":1049.6749},{"sentences":[{"text":"That meant that my sister and my new husband's sister had control of the funds and had to rejoin signatories so that he had to prove to them that the money was used for our children and for their schooling costs and things like that.","start":1049.6749,"end":1063.9401,"sentiment":"neutral","sentiment_score":0.26423798617389466},{"text":"And that just gave me a lot more control and certainty that the money would be held for my children in the event of me passing away.","start":1064.0,"end":1071.745,"sentiment":"positive","sentiment_score":0.39254170490635765},{"text":"So you can have a lot more control with a will around that sort of thing, and that's really important to think about as well.","start":1072.205,"end":1079.105,"sentiment":"positive","sentiment_score":0.4171368438005447},{"text":"Yeah.","start":1079.485,"end":1079.985,"sentiment":"neutral","sentiment_score":0.11441750824451448},{"text":"Yeah.","start":1081.485,"end":1081.985,"sentiment":"neutral","sentiment_score":0.1122451350092888}],"sentiment":"positive","sentiment_score":0.334792112611761,"num_words":99,"start":1049.6749,"end":1081.985},{"sentences":[{"text":"It's It's a hard it's a hard conversation to have, but it's definitely one to sort of think about and understand.","start":1082.765,"end":1087.66,"sentiment":"neutral","sentiment_score":-0.10564431661207761},{"text":"And it also comes down to, you know, what's the relationship between you and Emily like, and what do you think she's likely to do?","start":1087.66,"end":1094.2201,"sentiment":"neutral","sentiment_score":-0.03406132310628891},{"text":"Is she likely to do the right thing or, you know, how how does she handle money and just sort of having us think about what you want to happen?","start":1094.2201,"end":1100.725,"sentiment":"neutral","sentiment_score":-0.12419241890311242},{"text":"No.","start":1105.585,"end":1106.085,"sentiment":"neutral","sentiment_score":-0.09008676558732986},{"text":"Yeah.","start":1107.0249,"end":1107.5249,"sentiment":"neutral","sentiment_score":0.031121671199798584}],"sentiment":"neutral","sentiment_score":-0.08788206907681739,"num_words":78,"start":1082.765,"end":1107.5249},{"sentences":[{"text":"Beautiful.","start":1110.74,"end":1111.24,"sentiment":"positive","sentiment_score":0.4889186024665833},{"text":"Beautiful.","start":1115.46,"end":1115.96,"sentiment":"positive","sentiment_score":0.6175156831741333},{"text":"Beautiful.","start":1116.66,"end":1117.16,"sentiment":"positive","sentiment_score":0.666082501411438},{"text":"Excellent.","start":1119.3,"end":1119.8,"sentiment":"positive","sentiment_score":0.5787582993507385},{"text":"The right thing.","start":1119.9401,"end":1120.76,"sentiment":"neutral","sentiment_score":0.25940879185994464}],"sentiment":"positive","sentiment_score":0.44707163742610384,"num_words":7,"start":1110.74,"end":1120.76},{"sentences":[{"text":"Yeah.","start":1121.085,"end":1121.585,"sentiment":"neutral","sentiment_score":0.2676905393600464},{"text":"Perfect.","start":1121.8049,"end":1122.205,"sentiment":"positive","sentiment_score":0.575955331325531},{"text":"Perfect.","start":1122.205,"end":1122.705,"sentiment":"positive","sentiment_score":0.5163055062294006},{"text":"So what I would probably also maybe make mention of is just sort of keeping something somewhere.","start":1122.9249,"end":1127.8049,"sentiment":"neutral","sentiment_score":0.08935633959139094},{"text":"Because if you were to pass away, let our let your oldest child know that we are your financial advisers and that in the event of a claim occurring, that they just need to call us and we help with the claim process and just letting them know.","start":1127.8049,"end":1143.1399,"sentiment":"neutral","sentiment_score":0.08269296128613253}],"sentiment":"neutral","sentiment_score":0.10070987193680861,"num_words":68,"start":1121.085,"end":1143.1399},{"sentences":[{"text":"I mean, I hope nothing happens, but it is really important.","start":1143.1399,"end":1145.7799,"sentiment":"neutral","sentiment_score":0.04397230019623583},{"text":"It's sort of one thing I have come across as an adviser over the years is that not everyone knows that people have a financial adviser or where their suit is located or their life insurances.","start":1145.7799,"end":1154.9451,"sentiment":"neutral","sentiment_score":-0.01707333212511407},{"text":"And I've had it come across where, you know, a couple of months down the track, someone's passed away and some a family member calls up and goes, hey.","start":1155.005,"end":1162.365,"sentiment":"neutral","sentiment_score":-0.07854612948822565},{"text":"I've found your number.","start":1162.365,"end":1163.245,"sentiment":"neutral","sentiment_score":-0.01696843351237476},{"text":"Who are you?","start":1163.245,"end":1163.725,"sentiment":"neutral","sentiment_score":-0.0337648248920838}],"sentiment":"neutral","sentiment_score":-0.031059646002768754,"num_words":83,"start":1143.1399,"end":1163.725},{"sentences":[{"text":"What have you got?","start":1163.725,"end":1164.4451,"sentiment":"neutral","sentiment_score":-0.0707748718559742},{"text":"What's happening here?","start":1164.4451,"end":1165.33,"sentiment":"neutral","sentiment_score":-0.10179092735052109},{"text":"And then you go through the claims process a little bit late, and they didn't know the money was there.","start":1165.33,"end":1169.6499,"sentiment":"neutral","sentiment_score":-0.14066875167191029},{"text":"They weren't aware of how to get access to it, and they had a bit of a struggle time.","start":1169.6499,"end":1173.73,"sentiment":"neutral","sentiment_score":-0.16486841244132897},{"text":"So I always do think it's worth just making sure somebody in your family that you trust knows, whether it's your beneficiaries or your ex wife, that they know to in the event of you passing, they just have to call us, and we facilitate the claim with them.","start":1173.73,"end":1187.845,"sentiment":"positive","sentiment_score":0.38539951887665963}],"sentiment":"neutral","sentiment_score":0.13000241353323586,"num_words":95,"start":1163.725,"end":1187.845},{"sentences":[{"text":"We are very security conscious, so they can't just call up willy nilly and ask for information.","start":1188.305,"end":1192.9651,"sentiment":"neutral","sentiment_score":0.12173869942917544},{"text":"Essentially, we have to be able to be provided with your will and a death certificate to be able to assist, and we will only be able to speak to the executor.","start":1193.69,"end":1203.39,"sentiment":"neutral","sentiment_score":0.20723702758550644},{"text":"So whoever is the executor of your will and your estate is the one person who can come and help facilitate the claim.","start":1203.61,"end":1209.405,"sentiment":"neutral","sentiment_score":0.2829217534998189},{"text":"So whether that's your eldest child or your ex wife or just somebody else that you trust, that's the person that is able to call that is able to facilitate the claim for your beneficiaries if it's not one of your beneficiaries, and that's how we sort of help them with the process.","start":1209.405,"end":1224.865,"sentiment":"neutral","sentiment_score":0.28449692549008243},{"text":"Yeah.","start":1225.59,"end":1226.09,"sentiment":"neutral","sentiment_score":0.09761837869882584}],"sentiment":"neutral","sentiment_score":0.24114522645397793,"num_words":126,"start":1188.305,"end":1226.09},{"sentences":[{"text":"Yeah.","start":1226.79,"end":1227.29,"sentiment":"neutral","sentiment_score":0.09680241346359252},{"text":"There's a there's a lot to it, isn't there?","start":1227.83,"end":1230.17,"sentiment":"neutral","sentiment_score":-0.007349312926332156},{"text":"We sort of all think that once once we go, it just all happens, but there's definitely a lot of a lot that happens in the back end around the estate planning, around the the will, and around the claiming on the deceased estate that that we do take into account when we are dealing with this a deceased estate, and that has to happen.","start":1232.47,"end":1250.025,"sentiment":"neutral","sentiment_score":-0.0026121136660759267},{"text":"So, yeah, there's a lot to happen in the back end.","start":1250.025,"end":1252.585,"sentiment":"neutral","sentiment_score":0.029973961074243893},{"text":"But, yeah, it's pretty cool.","start":1252.585,"end":1253.965,"sentiment":"positive","sentiment_score":0.4636713683605194}],"sentiment":"neutral","sentiment_score":0.027570787059900525,"num_words":91,"start":1226.79,"end":1253.965},{"sentences":[{"text":"And a few things for you to think about too.","start":1256.24,"end":1258.58,"sentiment":"neutral","sentiment_score":0.17555856704711914},{"text":"No.","start":1263.0399,"end":1263.5399,"sentiment":"neutral","sentiment_score":0.1208728700876236},{"text":"All good.","start":1263.6,"end":1264.34,"sentiment":"neutral","sentiment_score":0.21644678711891172},{"text":"So having a look at things, look, we've gone through most of it now.","start":1265.2,"end":1268.5,"sentiment":"neutral","sentiment_score":0.09936414765460151},{"text":"If you like, what I can do is I can send you through a bit of a general information just on a local solicitor with a bit of a costing if you like, just on how much they charge to do up a will and a power of attorney just to give you something to think about.","start":1268.5599,"end":1281.1649,"sentiment":"neutral","sentiment_score":0.11062154644413998}],"sentiment":"neutral","sentiment_score":0.11911759915805999,"num_words":84,"start":1256.24,"end":1281.1649},{"sentences":[{"text":"I can also look into obviously, each state has trustees that can help do wills and things like that as well.","start":1281.5599,"end":1288.84,"sentiment":"neutral","sentiment_score":0.060374430602505094},{"text":"I can also do a little bit of research around your local trustee and what they charge to do a will and power of attorney.","start":1288.84,"end":1295.385,"sentiment":"neutral","sentiment_score":0.07557128831744193},{"text":"If you want us to give you some general information for you to have a think about, would you like that, Matthew?","start":1295.385,"end":1299.885,"sentiment":"neutral","sentiment_score":0.09623516689647328},{"text":"Yeah.","start":1301.785,"end":1302.185,"sentiment":"neutral","sentiment_score":0.3106836676597595},{"text":"Beautiful.","start":1302.185,"end":1302.685,"sentiment":"positive","sentiment_score":0.7266300916671753}],"sentiment":"neutral","sentiment_score":0.09016618116625717,"num_words":70,"start":1281.5599,"end":1302.685},{"sentences":[{"text":"I'll organize that email for you.","start":1302.8251,"end":1304.505,"sentiment":"positive","sentiment_score":0.5187682012716929},{"text":"It's not an issue at all.","start":1304.505,"end":1306.125,"sentiment":"neutral","sentiment_score":0.3109114194909732},{"text":"Basically, with where we are at the moment, we'll have another conversation in about four weeks.","start":1307.305,"end":1312.17,"sentiment":"neutral","sentiment_score":0.24065692257136106},{"text":"I'll get Sammy to give you a call and book you in so we can kinda have a bit more of a conversation around your goals and what we're looking for advice wise both inside and outside super.","start":1312.17,"end":1321.79,"sentiment":"neutral","sentiment_score":0.32629084351815674},{"text":"You've got a few things to think about with the estate planning side of things there as well.","start":1322.535,"end":1326.795,"sentiment":"neutral","sentiment_score":0.19351662695407867}],"sentiment":"neutral","sentiment_score":0.2941778550545375,"num_words":84,"start":1302.8251,"end":1326.795},{"sentences":[{"text":"And, obviously, there's a lot going on with the sale of your property.","start":1327.415,"end":1330.395,"sentiment":"neutral","sentiment_score":0.10071618683063067},{"text":"Goal wise, I've got down that we're sort of looking to invest in outside of super.","start":1331.655,"end":1335.57,"sentiment":"neutral","sentiment_score":0.12435367098078132},{"text":"You're sort of looking to see where things are tracking and how we can build wealth both with super and externally over the next five to ten years.","start":1335.57,"end":1343.59,"sentiment":"neutral","sentiment_score":0.2124214175024203},{"text":"And with your super, we're tracking for a goal of accessing 60 to give you that option there.","start":1343.8099,"end":1348.785,"sentiment":"neutral","sentiment_score":0.1747569495605098},{"text":"Am I missing anything goal wise or with any of this?","start":1349.105,"end":1351.985,"sentiment":"neutral","sentiment_score":0.02612487023526972}],"sentiment":"neutral","sentiment_score":0.1474391572004141,"num_words":86,"start":1327.415,"end":1351.985},{"sentences":[{"text":"Is there anything else that you kind of wanted me to incorporate?","start":1351.985,"end":1354.725,"sentiment":"neutral","sentiment_score":0.039463855947057404},{"text":"Or no.","start":1355.105,"end":1358.005,"sentiment":"neutral","sentiment_score":-0.12637022137641907},{"text":"No.","start":1361.8401,"end":1362.3401,"sentiment":"neutral","sentiment_score":-0.09479975700378418},{"text":"Absolutely.","start":1364.24,"end":1364.74,"sentiment":"neutral","sentiment_score":0.08061899244785309},{"text":"Yeah.","start":1365.3601,"end":1365.8601,"sentiment":"neutral","sentiment_score":0.11701048910617828}],"sentiment":"neutral","sentiment_score":0.019038561950711644,"num_words":17,"start":1351.985,"end":1365.8601},{"sentences":[{"text":"Yep.","start":1366.9601,"end":1367.4601,"sentiment":"neutral","sentiment_score":0.07097478210926056},{"text":"No.","start":1367.68,"end":1368.0,"sentiment":"neutral","sentiment_score":0.04085541516542435},{"text":"Perfect.","start":1368.0,"end":1368.5,"sentiment":"neutral","sentiment_score":0.27301710844039917},{"text":"Perfect.","start":1368.64,"end":1368.88,"sentiment":"positive","sentiment_score":0.3403790593147278},{"text":"I feel like it is good to just let you go through this settlement process first, work out where things are up to once you go through that, look at what your expendable cash is, look at what your income looks like, what your circumstances then also look like.","start":1368.88,"end":1381.495,"sentiment":"neutral","sentiment_score":0.2561699221937024}],"sentiment":"neutral","sentiment_score":0.2505198594815326,"num_words":53,"start":1366.9601,"end":1381.495},{"sentences":[{"text":"That way, the advice we do provide is accurate and in your best interest.","start":1381.495,"end":1385.5149,"sentiment":"positive","sentiment_score":0.3792321745838438},{"text":"Otherwise, doing that now and then having things change in four weeks means we have to go back and reevaluate the advice if it's no longer in your best interest.","start":1385.8949,"end":1393.87,"sentiment":"neutral","sentiment_score":-0.1499413865307967},{"text":"So I do personally like to make sure that when we are providing advice that it is in your best interest that we are factoring in all of your circumstances.","start":1393.87,"end":1402.13,"sentiment":"neutral","sentiment_score":0.16912803699572881},{"text":"And if there's an expected change in the short term that we do note and recognize that for you.","start":1402.755,"end":1407.875,"sentiment":"neutral","sentiment_score":0.12779953958172546},{"text":"So I definitely think this is the best course of action, but I'm really looking forward to putting this together for you and running the projections and seeing what we can come up with.","start":1407.875,"end":1416.63,"sentiment":"positive","sentiment_score":0.6221392058274325}],"sentiment":"neutral","sentiment_score":0.2320139701441517,"num_words":127,"start":1381.495,"end":1416.63},{"sentences":[{"text":"So I'm very excited.","start":1416.71,"end":1418.25,"sentiment":"positive","sentiment_score":0.6619337797164917},{"text":"It'd be good.","start":1418.39,"end":1419.13,"sentiment":"positive","sentiment_score":0.6665764053662618},{"text":"Fantastic.","start":1421.99,"end":1422.49,"sentiment":"positive","sentiment_score":0.7129237055778503},{"text":"I've confirmed that your insurance is all good.","start":1424.23,"end":1426.15,"sentiment":"positive","sentiment_score":0.5643261298537254},{"text":"There's no changes there.","start":1426.15,"end":1427.27,"sentiment":"neutral","sentiment_score":0.257673267275095}],"sentiment":"positive","sentiment_score":0.5452845074236393,"num_words":20,"start":1416.71,"end":1427.27},{"sentences":[{"text":"But in the next sort of couple of weeks, if you do think about anything that comes up or you wanna reassess them or you feel like the levels of cover aren't accurate, just sort of note down some questions, and we can always go through those again when we speak in about four weeks there.","start":1427.27,"end":1441.105,"sentiment":"neutral","sentiment_score":0.1263833844235965},{"text":"Is there any other goals or anything else that sort of come to mind over the next one year, two years, five years that you think we might need to maybe factor in?","start":1441.8049,"end":1450.08,"sentiment":"neutral","sentiment_score":0.0774988096320268},{"text":"Yep.","start":1454.7799,"end":1455.2799,"sentiment":"neutral","sentiment_score":0.040591295808553696},{"text":"Yep.","start":1461.755,"end":1462.155,"sentiment":"neutral","sentiment_score":0.0859113335609436},{"text":"Yep.","start":1462.155,"end":1462.655,"sentiment":"neutral","sentiment_score":0.05644583702087402}],"sentiment":"neutral","sentiment_score":0.10671607295618109,"num_words":92,"start":1427.27,"end":1462.655},{"sentences":[{"text":"Yeah.","start":1476.73,"end":1477.23,"sentiment":"neutral","sentiment_score":0.030323969200253487},{"text":"Yeah.","start":1479.53,"end":1480.03,"sentiment":"neutral","sentiment_score":0.03535874933004379},{"text":"Yeah.","start":1483.465,"end":1483.965,"sentiment":"neutral","sentiment_score":0.04742375761270523},{"text":"Yeah.","start":1487.625,"end":1487.785,"sentiment":"neutral","sentiment_score":0.01755620911717415},{"text":"Yep.","start":1487.785,"end":1488.285,"sentiment":"neutral","sentiment_score":0.011232796125113964}],"sentiment":"neutral","sentiment_score":0.028379096277058126,"num_words":5,"start":1476.73,"end":1488.285},{"sentences":[{"text":"Yeah.","start":1497.72,"end":1498.22,"sentiment":"neutral","sentiment_score":0.04980051890015602},{"text":"Yep.","start":1503.88,"end":1504.38,"sentiment":"neutral","sentiment_score":0.038918472826480865},{"text":"Yeah.","start":1505.64,"end":1506.04,"sentiment":"neutral","sentiment_score":0.03951086848974228},{"text":"Absolutely.","start":1506.04,"end":1506.54,"sentiment":"neutral","sentiment_score":0.07096247375011444},{"text":"That's it.","start":1510.375,"end":1510.855,"sentiment":"neutral","sentiment_score":0.05711869150400162}],"sentiment":"neutral","sentiment_score":0.05223828616241614,"num_words":6,"start":1497.72,"end":1510.855},{"sentences":[{"text":"That's fine.","start":1510.855,"end":1511.6749,"sentiment":"neutral","sentiment_score":0.09018243476748466},{"text":"We can factor in.","start":1511.895,"end":1513.115,"sentiment":"neutral","sentiment_score":0.06872447766363621},{"text":"Yeah.","start":1513.495,"end":1513.815,"sentiment":"neutral","sentiment_score":0.08532871305942535},{"text":"Absolutely.","start":1513.815,"end":1514.315,"sentiment":"neutral","sentiment_score":0.15999643504619598},{"text":"Most definitely.","start":1514.855,"end":1515.6749,"sentiment":"neutral","sentiment_score":0.19979894906282425}],"sentiment":"neutral","sentiment_score":0.1100185826420784,"num_words":10,"start":1510.855,"end":1515.6749},{"sentences":[{"text":"Yeah.","start":1516.135,"end":1516.375,"sentiment":"neutral","sentiment_score":0.15025098621845245},{"text":"No.","start":1516.375,"end":1516.615,"sentiment":"neutral","sentiment_score":0.23851487040519712},{"text":"Not a problem at all.","start":1516.615,"end":1517.6549,"sentiment":"positive","sentiment_score":0.37990307807922363},{"text":"Fantastic.","start":1517.6549,"end":1518.1549,"sentiment":"positive","sentiment_score":0.8366735577583313},{"text":"I like it.","start":1518.375,"end":1519.2749,"sentiment":"positive","sentiment_score":0.8192708293596903}],"sentiment":"positive","sentiment_score":0.5075242993506518,"num_words":11,"start":1516.135,"end":1519.2749},{"sentences":[{"text":"Well, the only other thing to let you know is when we do come back, I'll kinda go through things in a bit more detail with you.","start":1519.86,"end":1524.82,"sentiment":"neutral","sentiment_score":0.04485011735448131},{"text":"But that ongoing service agreement you do have in the email there is just letting you know you do pay an ongoing service fee for our services looking after your super.","start":1524.82,"end":1534.04,"sentiment":"neutral","sentiment_score":0.010043589338179558},{"text":"It is 1.65% per annum, and then the the amount is deducted out of your super on a monthly basis.","start":1534.365,"end":1541.165,"sentiment":"neutral","sentiment_score":0.012025753408670426},{"text":"So it is linked to the performance of your super.","start":1541.165,"end":1543.425,"sentiment":"neutral","sentiment_score":0.028233937360346316},{"text":"Just so you are aware, if we do recommend investment accounts and things like that, we do also charge an ongoing service fee for the monitoring of those because they are outside of super.","start":1544.045,"end":1553.24,"sentiment":"neutral","sentiment_score":0.009059977553346577}],"sentiment":"neutral","sentiment_score":0.019288509152829647,"num_words":122,"start":1519.86,"end":1553.24},{"sentences":[{"text":"However, we take your 1.65% currently, and we split that across.","start":1553.7,"end":1558.26,"sentiment":"neutral","sentiment_score":0.015166586942293427},{"text":"So we'll, you know, look to prorated that across the two different accounts for you.","start":1558.26,"end":1562.405,"sentiment":"neutral","sentiment_score":0.03324602705736955},{"text":"But I'll be able to, as part of the advice, show you what the fee structure looks like and show you what the expected fees are as part of the advice, and then you can let me know whether you're comfortable with doing that or not.","start":1562.625,"end":1573.505,"sentiment":"neutral","sentiment_score":0.04259526154593281},{"text":"But does that make sense, and do you have any questions about the fee structure currently?","start":1573.505,"end":1577.125,"sentiment":"neutral","sentiment_score":6.712856702506542e-6},{"text":"No.","start":1579.0701,"end":1579.5701,"sentiment":"neutral","sentiment_score":0.15666861832141876}],"sentiment":"neutral","sentiment_score":0.03125484176817235,"num_words":89,"start":1553.7,"end":1579.5701},{"sentences":[{"text":"Beautiful.","start":1579.7101,"end":1580.1901,"sentiment":"positive","sentiment_score":0.34042105078697205},{"text":"Excellent.","start":1580.1901,"end":1580.6901,"sentiment":"neutral","sentiment_score":0.3329421877861023},{"text":"You're right.","start":1581.63,"end":1582.29,"sentiment":"neutral","sentiment_score":0.11101929470896721},{"text":"Yeah.","start":1583.87,"end":1584.37,"sentiment":"neutral","sentiment_score":0.05083760619163513},{"text":"You can if you like.","start":1587.39,"end":1588.8301,"sentiment":"neutral","sentiment_score":0.03940778449177742}],"sentiment":"neutral","sentiment_score":0.1143278356641531,"num_words":10,"start":1579.7101,"end":1588.8301},{"sentences":[{"text":"Where so you having a look.","start":1588.8301,"end":1590.8501,"sentiment":"neutral","sentiment_score":0.052365982284148536},{"text":"You're you're in Ipswich.","start":1591.245,"end":1592.525,"sentiment":"neutral","sentiment_score":0.022457141894847155},{"text":"If you wanna come into the office, we can absolutely do it.","start":1592.525,"end":1595.325,"sentiment":"positive","sentiment_score":0.5336011325319608},{"text":"We're in Southport.","start":1595.325,"end":1596.305,"sentiment":"neutral","sentiment_score":0.3097405930360158},{"text":"So if you wanna do that, that's fine.","start":1596.525,"end":1598.525,"sentiment":"neutral","sentiment_score":0.31013855524361134}],"sentiment":"neutral","sentiment_score":0.30962328099165903,"num_words":33,"start":1588.8301,"end":1598.525},{"sentences":[{"text":"We can do it by Teams.","start":1598.525,"end":1599.725,"sentiment":"positive","sentiment_score":0.3760188619295756},{"text":"We can do it over the phone.","start":1599.725,"end":1601.165,"sentiment":"positive","sentiment_score":0.3784743334565844},{"text":"I'm happy to meet however you would like to.","start":1601.165,"end":1604.365,"sentiment":"positive","sentiment_score":0.6001208424568176},{"text":"What would you prefer?","start":1604.365,"end":1605.425,"sentiment":"neutral","sentiment_score":0.1155233383178711},{"text":"Yeah.","start":1608.03,"end":1608.43,"sentiment":"neutral","sentiment_score":0.12608914077281952}],"sentiment":"positive","sentiment_score":0.4035075400714521,"num_words":27,"start":1598.525,"end":1608.43},{"sentences":[{"text":"Make a day of it and come to the Gold Coast.","start":1608.43,"end":1610.6901,"sentiment":"neutral","sentiment_score":0.1582465862685984},{"text":"Yeah.","start":1614.27,"end":1614.77,"sentiment":"neutral","sentiment_score":0.1481054127216339},{"text":"Absolutely.","start":1614.99,"end":1615.49,"sentiment":"positive","sentiment_score":0.42076027393341064},{"text":"Absolutely.","start":1616.35,"end":1616.85,"sentiment":"positive","sentiment_score":0.40270572900772095},{"text":"Well, what I'll do is I'll let Samantha know that that's kind of what your preference is.","start":1616.99,"end":1620.355,"sentiment":"positive","sentiment_score":0.3490893157089458}],"sentiment":"neutral","sentiment_score":0.27892910424740086,"num_words":31,"start":1608.43,"end":1620.355},{"sentences":[{"text":"And when she gives you a call to book you in, I'll get her to give you a call in three weeks.","start":1620.355,"end":1624.215,"sentiment":"neutral","sentiment_score":0.31497431614182214},{"text":"That way, we've got a bit of time, and she can book you in when it suits you.","start":1624.275,"end":1627.975,"sentiment":"positive","sentiment_score":0.3561306645472844},{"text":"And, yeah, absolutely, if there's a day or time that suits you.","start":1628.355,"end":1631.49,"sentiment":"neutral","sentiment_score":0.29033928861220676},{"text":"The only day I don't work at the moment is Fridays.","start":1631.73,"end":1634.05,"sentiment":"neutral","sentiment_score":-0.11049441620707512},{"text":"I have Fridays off to look after my son, but I do work Monday to Thursday, and I'm here from anywhere from 07:30 in the morning right up until about 7PM at So we can make that work.","start":1634.05,"end":1645.345,"sentiment":"neutral","sentiment_score":0.07434368957030146}],"sentiment":"neutral","sentiment_score":0.18250970302684472,"num_words":101,"start":1620.355,"end":1645.345},{"sentences":[{"text":"Even Friday is the only time that suits you, she will still book it, and I will come into the office.","start":1645.345,"end":1649.905,"sentiment":"neutral","sentiment_score":0.19620731189137414},{"text":"So do not worry.","start":1649.905,"end":1650.965,"sentiment":"neutral","sentiment_score":0.22367706149816513},{"text":"I just like to let everyone know I'm pretty flexible Fridays.","start":1651.025,"end":1653.8251,"sentiment":"positive","sentiment_score":0.4401985840363936},{"text":"I just try to do it in between school hours because it's technically, I take that day for my son.","start":1653.8251,"end":1658.485,"sentiment":"neutral","sentiment_score":0.28294280245900155},{"text":"So I have a little bit of work life balance there.","start":1658.57,"end":1660.73,"sentiment":"neutral","sentiment_score":0.10205077921802347}],"sentiment":"neutral","sentiment_score":0.24833822150283785,"num_words":67,"start":1645.345,"end":1660.73},{"sentences":[{"text":"But if Friday is the only day that works for you, I will make it happen, and I'll make sure Samantha's aware of that as well.","start":1660.73,"end":1666.41,"sentiment":"neutral","sentiment_score":0.2046603147800152},{"text":"Okay?","start":1666.41,"end":1666.91,"sentiment":"neutral","sentiment_score":0.07955010235309601},{"text":"Easy.","start":1668.73,"end":1669.23,"sentiment":"neutral","sentiment_score":-0.06532754004001617},{"text":"All good.","start":1669.45,"end":1670.27,"sentiment":"neutral","sentiment_score":-0.168911624699831},{"text":"No.","start":1670.985,"end":1671.145,"sentiment":"neutral","sentiment_score":-0.08548347651958466}],"sentiment":"neutral","sentiment_score":0.15845432324755576,"num_words":31,"start":1660.73,"end":1671.145},{"sentences":[{"text":"That's honestly fine.","start":1671.145,"end":1672.345,"sentiment":"neutral","sentiment_score":0.008660607039928441},{"text":"I have done it before.","start":1672.345,"end":1673.545,"sentiment":"neutral","sentiment_score":0.07735254913568497},{"text":"I know sometimes Fridays are the only day or the best day, especially when you have kids, and I'll make it work.","start":1673.545,"end":1678.925,"sentiment":"neutral","sentiment_score":0.06842095862058076},{"text":"But yeah.","start":1679.145,"end":1679.785,"sentiment":"neutral","sentiment_score":0.04874148964881897},{"text":"Look.","start":1679.785,"end":1680.025,"sentiment":"neutral","sentiment_score":0.051333237439394}],"sentiment":"neutral","sentiment_score":0.06263096585418239,"num_words":33,"start":1671.145,"end":1680.025},{"sentences":[{"text":"Any other day, if you wanna make a day of it, morning or afternoon, we'll make sure it happens for you.","start":1680.025,"end":1686.36,"sentiment":"neutral","sentiment_score":0.11647642403841019},{"text":"It's not a problem at all.","start":1686.36,"end":1687.72,"sentiment":"neutral","sentiment_score":0.30471571286519367},{"text":"Okay.","start":1687.72,"end":1688.22,"sentiment":"positive","sentiment_score":0.3632792234420776},{"text":"It'd be great to meet you in person, actually.","start":1688.9199,"end":1690.76,"sentiment":"positive","sentiment_score":0.7187019652790494},{"text":"It'd be fun.","start":1690.76,"end":1691.4199,"sentiment":"positive","sentiment_score":0.6037397980690002}],"sentiment":"neutral","sentiment_score":0.3229278871789575,"num_words":40,"start":1680.025,"end":1691.4199},{"sentences":[{"text":"Yeah.","start":1694.6799,"end":1695.1599,"sentiment":"neutral","sentiment_score":0.15304818749427795},{"text":"Excellent.","start":1695.1599,"end":1695.6599,"sentiment":"positive","sentiment_score":0.7274564504623413},{"text":"Fantastic.","start":1696.855,"end":1697.355,"sentiment":"positive","sentiment_score":0.8047623634338379},{"text":"The only other thing to let you know is so you've got the attached documents there that we have gone through.","start":1697.735,"end":1702.135,"sentiment":"neutral","sentiment_score":0.24815580603622256},{"text":"I've also got the financial services guide attached there for you.","start":1702.135,"end":1705.495,"sentiment":"neutral","sentiment_score":0.26244817538694903}],"sentiment":"neutral","sentiment_score":0.2795276816402163,"num_words":35,"start":1694.6799,"end":1705.495},{"sentences":[{"text":"It does have a lovely picture of me in there, also all my licensing information as a full licensed adviser for you as well.","start":1705.495,"end":1712.0299,"sentiment":"positive","sentiment_score":0.46796368186672527},{"text":"So feel free to run your eyes over that.","start":1712.0299,"end":1714.0299,"sentiment":"neutral","sentiment_score":0.3142587509420183},{"text":"If you find you have any questions in relation to any of those documents, please let me know.","start":1714.0299,"end":1718.85,"sentiment":"neutral","sentiment_score":0.14578536566760805},{"text":"I'll get Sammy to give you a call in the next sort of four three weeks so she can book you back in for another conversation, and we'll look at your five to ten year plan and look look at investing and building wealth in all those areas.","start":1719.39,"end":1730.8451,"sentiment":"neutral","sentiment_score":0.213338286926349},{"text":"And let's see what we can do to help you moving forward.","start":1731.305,"end":1733.725,"sentiment":"neutral","sentiment_score":0.2713399889568488}],"sentiment":"neutral","sentiment_score":0.27189109320039145,"num_words":111,"start":1705.495,"end":1733.725},{"sentences":[{"text":"Okay?","start":1733.785,"end":1734.285,"sentiment":"neutral","sentiment_score":0.21182265877723697},{"text":"Izzy, do you have any questions?","start":1735.7051,"end":1737.305,"sentiment":"neutral","sentiment_score":0.12891631573438644},{"text":"Is there anything else that you might think of that I haven't touched on or I've missed?","start":1737.305,"end":1741.1901,"sentiment":"neutral","sentiment_score":0.058217385893358904},{"text":"Or no?","start":1741.1901,"end":1747.43,"sentiment":"neutral","sentiment_score":-0.019797089509665966},{"text":"No.","start":1747.43,"end":1747.93,"sentiment":"neutral","sentiment_score":0.008989676833152771}],"sentiment":"neutral","sentiment_score":0.07201524485868437,"num_words":27,"start":1733.785,"end":1747.93},{"sentences":[{"text":"Absolutely.","start":1751.1901,"end":1751.6901,"sentiment":"neutral","sentiment_score":0.26700711250305176},{"text":"Beautiful.","start":1753.015,"end":1753.495,"sentiment":"positive","sentiment_score":0.39604586362838745},{"text":"Let's find your Tom scenario.","start":1753.495,"end":1755.275,"sentiment":"neutral","sentiment_score":0.07771114185452462},{"text":"Let's find Matthew's scenario.","start":1755.575,"end":1757.275,"sentiment":"neutral","sentiment_score":0.056223271414637566},{"text":"Yep.","start":1757.495,"end":1757.995,"sentiment":"neutral","sentiment_score":0.1004570722579956}],"sentiment":"neutral","sentiment_score":0.11474657027671735,"num_words":12,"start":1751.1901,"end":1757.995},{"sentences":[{"text":"Beautiful.","start":1760.295,"end":1760.795,"sentiment":"positive","sentiment_score":0.42651891708374023},{"text":"Well, look.","start":1760.935,"end":1761.415,"sentiment":"neutral","sentiment_score":0.208875834941864},{"text":"That's everything I needed to go through.","start":1761.415,"end":1763.175,"sentiment":"neutral","sentiment_score":0.23292519577911922},{"text":"If anything comes up question wise, let us know.","start":1763.175,"end":1765.495,"sentiment":"neutral","sentiment_score":0.18892888062530094},{"text":"You don't have to wait till the next appointment.","start":1765.495,"end":1767.495,"sentiment":"neutral","sentiment_score":0.1599378205007977}],"sentiment":"neutral","sentiment_score":0.20051954526986396,"num_words":28,"start":1760.295,"end":1767.495},{"sentences":[{"text":"Let Sammy or myself know.","start":1767.495,"end":1769.13,"sentiment":"neutral","sentiment_score":0.1359132155776024},{"text":"If you're happy to sign those documents, we'll get you to sign and return those back at your most available opportunity and send oh, you're the legend.","start":1769.35,"end":1777.93,"sentiment":"positive","sentiment_score":0.3632066514756944},{"text":"And they'll get send me to book you back in.","start":1778.07,"end":1779.91,"sentiment":"neutral","sentiment_score":0.2431750014424324},{"text":"She'll give you a call in three weeks to book you back in for the month so we can really knock out what you need, what you're after, and really do some financial advice and give you give you your little scenario, your math year scenario, and your passport over the next five to ten years.","start":1779.91,"end":1794.845,"sentiment":"neutral","sentiment_score":0.3066648721162762},{"text":"Okay.","start":1794.9049,"end":1795.4049,"sentiment":"positive","sentiment_score":0.3952792286872864}],"sentiment":"neutral","sentiment_score":0.30794351261974584,"num_words":99,"start":1767.495,"end":1795.4049},{"sentences":[{"text":"Easy.","start":1797.4,"end":1797.8,"sentiment":"positive","sentiment_score":0.7575728893280029},{"text":"Thank you so much for your time.","start":1797.8,"end":1799.4,"sentiment":"positive","sentiment_score":0.8061103991099766},{"text":"I really appreciate it.","start":1799.4,"end":1801.02,"sentiment":"positive","sentiment_score":0.7479178309440613},{"text":"No worries.","start":1803.2401,"end":1803.9801,"sentiment":"neutral","sentiment_score":0.03547786921262741},{"text":"Yeah.","start":1805.56,"end":1806.06,"sentiment":"neutral","sentiment_score":-0.025367921218276024}],"sentiment":"positive","sentiment_score":0.6291736549387376,"num_words":15,"start":1797.4,"end":1806.06},{"sentences":[{"text":"Absolutely.","start":1809.575,"end":1809.8949,"sentiment":"positive","sentiment_score":0.5835241079330444},{"text":"You have a lovely afternoon.","start":1809.8949,"end":1811.355,"sentiment":"positive","sentiment_score":0.7469746947288514},{"text":"I hope everything goes well over the next few weeks for you with the settlement, and, yeah, looking forward to catching up.","start":1811.4149,"end":1816.475,"sentiment":"positive","sentiment_score":0.6140750064091249},{"text":"Thank you.","start":1818.695,"end":1819.255,"sentiment":"positive","sentiment_score":0.5128696262836456},{"text":"Talk soon.","start":1819.255,"end":1819.815,"sentiment":"neutral","sentiment_score":0.2894221544265747}],"sentiment":"positive","sentiment_score":0.6072697276249528,"num_words":32,"start":1809.575,"end":1819.815},{"sentences":[{"text":"See you later.","start":1819.815,"end":1820.635,"sentiment":"neutral","sentiment_score":0.23472855488459268},{"text":"Bye.","start":1820.855,"end":1821.355,"sentiment":"neutral","sentiment_score":-0.10202261805534364}],"sentiment":"neutral","sentiment_score":0.1505407616496086,"num_words":4,"start":1819.815,"end":1821.355}]}}]},{"alternatives":[{"transcript":"Dana? I'm so sorry. I, like, bumped my earbud and hung up on you. My apologies. No. That's okay with me. Yes. Yeah. That's right. Who's that's just the kids. Right? That that's it? Yep. Yeah. That's it. Yeah. Perfect. Yeah. Yeah. Who's that going through? Is that yep. Yeah. Sure. Wow. Go. Okay. Okay. Okay. No. I think that's okay. Yeah. Yes. Sorry. No. I don't think so. Not at the moment. I just yeah. I just wanna leave it. Well, for the time being, anyway, I just haven't put any serious thought into that, and I just, yeah, I just gonna leave it alone and for the time being. Like, when when we talk soon and things start getting back to where they should, then I'll make some considerations for that sort of stuff. But, yeah, it's all good for now. Okay. Perfect. Yeah. Yeah. I had I had trauma at first, and and then I just okay. It kept coming out. I'm like, you know, when you just feel like there's no need. So and and since then, I mean, it's been a couple of years now that there's been no trauma. I'm not saying there isn't gonna be trauma, but so far so good. So, yeah, I'll be just I'll I'll leave that alone again for the time being just until, yeah, things balance out. Yeah. 100%. I mean, if I can do that, great. I mean, any any any chance to stop working early, I would tag. But I feel like maybe I don't know. I wouldn't say too little, too late, but I'll probably just be stepping back a little bit when I get to that age as opposed to stopping completely. So I don't know. I guess we'll just see how things go over that next ten years. But look, any chance I I could get to get out of, you know, the daily grind, I would take it. You know? What do you think about, like, if if I forget the super to two fifty k, basically, as quick as possible to let that run then as as, you know, as you mentioned earlier, and then to flip the focus onto something or maybe doing both at the same time, like, you know, investing extra cash into the super to get it where it needs to be quicker. And then, yeah, and then with one of your ideas outside of super, you know, to do maybe do that at the same time or after. I don't know. Yeah. That's sort of where my head's going at the minute. Okay. No. It's not. Okay. Okay. So I think I like, I should be pretty comfy putting away $400 a week and then still having a little bit to play with. But, like because I'm paying $6.50 in rent. I pay $3.50 towards maintenance a week, and it's just a massive killer. I'm like, oh, yeah. And then I've got so I've got about $7,800 left over each week. And when you think about, you know, the funds you put aside for the daily and, you you know, just your regular bills and things like that and groceries, yeah, I think I'm comfortably doing something with $400 a week, whether it go into savings or whether it go you know? It's it's annual review time too, so we've had a pretty solid year. I'm expecting something good to come from that over the sort of next couple of months, which is which would be nice. Yeah. But right now yeah. Once while this house thing is happening, everything is going into it. And, yeah, I I sorta walked away from where I was with a bit I don't know. $10.15 grand and, you know, sort of setting myself up and then just trying to keep this, you know, making these house payments, which is, like, 2 and a half grand a month. It's just knocked me down a few pegs. So right now, yeah, the savings are null and void. But, yeah, it's, you know yeah. Greenier past greeny pastures are coming. You know? Yeah. And that's been you know? Yeah. That that'll do. Like, I mean, I don't have much. I'm not a a heaps of stuff that it's happening. I don't have much. Yeah. So that should cover it. Yes. So, look, that's 3 50 a week that I said is maintenance. So $50 a week from that is basically going into what is remaining on that. So it wasn't about 10 k, and now it's at about $8.08 k. And Em, who's the kid's mother, she's basically just putting feeding into that loan, you know, with that. So yeah. So there's about $8 there. And look. What I guess to clear that, basically, once this house gets settled and I get my half from the from the sale, I think because we've we've we're selling it for $9.00 5. It costs us, like, $8.14. We've already pumped, you know, a whole bunch of money into it just to, you know, to cover repayments and stuff. So I don't know. I think maybe between us, we're look maybe, I don't know, $80, and then we split that. And then I've got to think of the capital gains, and I've got to pay that money back I wanna like, I I just want to be completely clear by the time this thing's finished. So I I'm yeah. Not sure what I'm gonna have left over, but I will be at least debt free. So That's right. Yeah. I'm I'm I'm looking forward to it. Yeah. No. No. We were going through that. We were talking about that, and then everything sorta changed. But, yeah, look, you know, the thoughts in the back of my mind, it always is. And I think for the most part, the reason I'm thinking about it is that without the will, I mean, even those insurances and, you know, beneficiaries can be thrown into a bit of calamity if if I don't have a will. Is that is that correct? What? Yes. What? Yeah. Okay. Okay. No. She was she she she was she she was the good one with money. Not that I'm not that I'm terrible with money, but she was good with money. And and we've been feeding the kids' accounts since they were born. So, yeah, we're we're all over that sort of that sort of things. And, yeah, full full trusting her to do, you know, what what she'd need to do. Yeah. Yeah. Okay. Okay. Okay. There Yeah. Uh-huh. All good. Yeah. Absolutely. Yeah. Yes, please. Yeah. No. Not at all. No. I think we're all good. Like, I I am just, you know, we have a conversation. I'm I'm interested in that conversation in a couple of weeks and moving forward. Yeah. Yep. Yes. Same here. Sounds fun. Yep. Not really. I think, you know, cash flow is a big one for me. Like, it's just cash flow and and a long term plan, you know, a long term plan. I just wanna yeah. I wanna be as like, and I've got and, like, just another thing to think about is that I've got the kids too. So, you know, holidays and, you know, and and the education side of things and just making sure that we're we're covered as a family. Like, I mean, I'm not silly. I know how to budget and do what I need to do, but I want I just wanna be go out of the best way, the best possible way. And so, you know, with with what I have. And I'm I'm sort of hoping that by the time we do have our next conversation, that maybe, you know, we've already had the discussions at work. And, you know, looking forward, we sort of got some maybe some new numbers to play with, but we'll just see how that goes. You know? But when that when that change happens anyway, if it happens to happen after, then we just implement it when it happens. And yeah. Yeah. Okay. No. That's cool. Love it. This this this conversation that we're gonna have, is it over the phone again? Can I come and see you? Or I think in person. I don't know. I've just yeah. It's yeah. Yeah. That's right. I could go go for some lunch and then come and see you. You know? Yeah. Yep. Okay. Oh my god. Yeah. Gotcha. No. That's that's fine. Yeah. No. I won't I won't do that to you. Let's see. I'm looking. Okay. Cool. Yeah. Yeah. I I I think so too. That's awesome. Okay. Perfect. Alright. No. Not at all. Not at all. I I think, you know yeah. Look. I'm I'm a pretty basic guy. So I just hear that we can we can put a plan together and, yeah, I'm all for it. So yeah. Yeah. Yep. Perfect. Sure. Oh, I've just done it. Yeah. That's done. Perfect. Sounds awesome. No. Thank you for your time, Dana. It's it's good to chat with you again. And, yeah, we'll not have that in a few weeks. No worries. You too. Talk to Dana. Okay. Bye.","confidence":0.99609375,"words":[{"word":"dana","start":2.48,"end":2.98,"confidence":0.7392578,"punctuated_word":"Dana?","sentiment":"neutral","sentiment_score":0.007261529564857483},{"word":"i'm","start":4.64,"end":4.7999997,"confidence":0.90527344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.025019720196723935},{"word":"so","start":4.7999997,"end":5.12,"confidence":0.95947266,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.13586868345737457},{"word":"sorry","start":5.12,"end":5.6,"confidence":0.99121094,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.2396349310874939},{"word":"i","start":5.6,"end":5.92,"confidence":0.86157227,"punctuated_word":"I,","sentiment":"neutral","sentiment_score":-0.25289931893348694},{"word":"like","start":5.92,"end":6.16,"confidence":0.99658203,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.28591474890708923},{"word":"bumped","start":6.16,"end":6.48,"confidence":0.9716797,"punctuated_word":"bumped","sentiment":"neutral","sentiment_score":-0.3117760717868805},{"word":"my","start":6.48,"end":6.64,"confidence":0.9941406,"punctuated_word":"my","sentiment":"negative","sentiment_score":-0.3996228277683258},{"word":"earbud","start":6.64,"end":7.12,"confidence":0.80777997,"punctuated_word":"earbud","sentiment":"neutral","sentiment_score":-0.3259037733078003},{"word":"and","start":7.12,"end":7.3599997,"confidence":0.6459961,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.3246394991874695},{"word":"hung","start":7.3599997,"end":7.6,"confidence":0.50927734,"punctuated_word":"hung","sentiment":"neutral","sentiment_score":-0.31707432866096497},{"word":"up","start":7.6,"end":7.7599998,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.30973193049430847},{"word":"on","start":7.7599998,"end":7.8399997,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.3177681863307953},{"word":"you","start":7.8399997,"end":8.24,"confidence":0.74780273,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.2903780937194824},{"word":"my","start":8.24,"end":8.4,"confidence":0.7182617,"punctuated_word":"My","sentiment":"neutral","sentiment_score":-0.2879600524902344},{"word":"apologies","start":8.4,"end":8.9,"confidence":0.9909668,"punctuated_word":"apologies.","sentiment":"neutral","sentiment_score":-0.29026973247528076},{"word":"no","start":13.945,"end":14.344999,"confidence":0.71972656,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2020128071308136},{"word":"that's","start":14.344999,"end":14.745,"confidence":0.98339844,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.13107703626155853},{"word":"okay","start":14.745,"end":14.985,"confidence":0.9921875,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":-0.01629948616027832},{"word":"with","start":14.985,"end":15.485,"confidence":0.6044922,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.00512433797121048},{"word":"me","start":25.224998,"end":25.474998,"confidence":0.99853516,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.027566641569137573},{"word":"yes","start":25.474998,"end":25.8,"confidence":0.8581543,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.11303684115409852},{"word":"yeah","start":30.519999,"end":30.84,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15705031156539917},{"word":"that's","start":30.84,"end":31.16,"confidence":0.9975586,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.16454289853572843},{"word":"right","start":31.16,"end":31.66,"confidence":0.9975586,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.17522846162319183},{"word":"who's","start":31.8,"end":32.12,"confidence":0.79296875,"punctuated_word":"Who's","sentiment":"neutral","sentiment_score":0.06091831251978874},{"word":"that's","start":32.6,"end":32.84,"confidence":0.9206543,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.08606559038162231},{"word":"just","start":32.84,"end":33.0,"confidence":0.9892578,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12069831043481828},{"word":"the","start":33.0,"end":33.16,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15118952095508575},{"word":"kids","start":33.16,"end":33.399998,"confidence":0.99365234,"punctuated_word":"kids.","sentiment":"neutral","sentiment_score":0.15692782402038574},{"word":"right","start":33.399998,"end":33.8,"confidence":0.9995117,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.09918873012065887},{"word":"that","start":33.8,"end":33.879997,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.07015317678451538},{"word":"that's","start":33.96,"end":34.199997,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.08760020136833191},{"word":"it","start":34.199997,"end":34.699997,"confidence":0.9770508,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.13911956548690796},{"word":"yep","start":35.399998,"end":35.899998,"confidence":0.7590332,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06774358451366425},{"word":"yeah","start":36.84,"end":37.079998,"confidence":0.9133301,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07289351522922516},{"word":"that's","start":37.079998,"end":37.399998,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07787992805242538},{"word":"it","start":37.399998,"end":37.559998,"confidence":0.99902344,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.13355188071727753},{"word":"yeah","start":37.559998,"end":37.8,"confidence":0.9020996,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.264882892370224},{"word":"perfect","start":37.8,"end":38.265,"confidence":1.0,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5870012640953064},{"word":"yeah","start":54.09,"end":54.57,"confidence":0.96069336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.045853205025196075},{"word":"yeah","start":54.57,"end":55.07,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.038709044456481934},{"word":"who's","start":55.129997,"end":55.53,"confidence":0.8684082,"punctuated_word":"Who's","sentiment":"neutral","sentiment_score":0.02980438619852066},{"word":"that","start":55.53,"end":55.69,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.030163655057549477},{"word":"going","start":55.69,"end":56.01,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.036868199706077576},{"word":"through","start":56.01,"end":56.41,"confidence":0.9589844,"punctuated_word":"through?","sentiment":"neutral","sentiment_score":0.03992730751633644},{"word":"is","start":56.41,"end":56.57,"confidence":0.9941406,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.02834957093000412},{"word":"that","start":56.57,"end":57.07,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05754305422306061},{"word":"yep","start":68.25,"end":68.75,"confidence":0.9280599,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.1261647790670395},{"word":"yeah","start":81.735,"end":82.235,"confidence":0.9284668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01950380392372608},{"word":"sure","start":89.73,"end":90.23,"confidence":0.9951172,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.16169819235801697},{"word":"wow","start":117.66,"end":118.16,"confidence":0.9223633,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":-0.13169655203819275},{"word":"go","start":173.26999,"end":173.51,"confidence":0.63183594,"punctuated_word":"Go.","sentiment":"neutral","sentiment_score":0.01182166300714016},{"word":"okay","start":173.51,"end":173.985,"confidence":0.76782227,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.08348488807678223},{"word":"okay","start":182.625,"end":183.125,"confidence":0.9790039,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.040394533425569534},{"word":"okay","start":183.345,"end":183.845,"confidence":0.8642578,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.07252129167318344},{"word":"no","start":203.535,"end":203.935,"confidence":0.87524414,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.04344308003783226},{"word":"i","start":203.935,"end":204.015,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04981642961502075},{"word":"think","start":204.015,"end":204.255,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.03389884531497955},{"word":"that's","start":204.255,"end":204.495,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.009740139357745647},{"word":"okay","start":204.495,"end":204.995,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.02721346542239189},{"word":"yeah","start":205.135,"end":205.635,"confidence":0.9904785,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12417131662368774},{"word":"yes","start":222.67,"end":222.945,"confidence":0.90893555,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.13088135421276093},{"word":"sorry","start":274.995,"end":275.495,"confidence":0.8244629,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.014384668320417404},{"word":"no","start":276.915,"end":277.23502,"confidence":0.95288086,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.17674818634986875},{"word":"i","start":277.23502,"end":277.315,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15497997403144836},{"word":"don't","start":277.315,"end":277.475,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.17054212093353271},{"word":"think","start":277.475,"end":277.635,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.16300512850284576},{"word":"so","start":277.635,"end":277.875,"confidence":0.99609375,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":-0.22473980486392975},{"word":"not","start":277.875,"end":278.035,"confidence":0.9819336,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.2344239205121994},{"word":"at","start":278.035,"end":278.115,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.195658341050148},{"word":"the","start":278.115,"end":278.275,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2240305244922638},{"word":"moment","start":278.275,"end":278.595,"confidence":0.9995117,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.147190660238266},{"word":"i","start":278.595,"end":278.755,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07763642072677612},{"word":"just","start":278.755,"end":279.23502,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.05387674272060394},{"word":"yeah","start":279.395,"end":279.895,"confidence":0.9946289,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.045164451003074646},{"word":"i","start":280.035,"end":280.275,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03489555045962334},{"word":"just","start":280.275,"end":280.515,"confidence":0.7368164,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.02196929231286049},{"word":"wanna","start":280.515,"end":280.755,"confidence":0.9667969,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.023589907214045525},{"word":"leave","start":280.755,"end":280.995,"confidence":1.0,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.04346378147602081},{"word":"it","start":280.995,"end":281.495,"confidence":0.97631836,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.028990548104047775},{"word":"well","start":282.035,"end":282.355,"confidence":0.9885254,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.00862097181379795},{"word":"for","start":282.355,"end":282.515,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.01966853439807892},{"word":"the","start":282.515,"end":282.675,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0076217614114284515},{"word":"time","start":282.675,"end":282.915,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.01733331009745598},{"word":"being","start":282.915,"end":283.23502,"confidence":0.7512207,"punctuated_word":"being,","sentiment":"neutral","sentiment_score":-0.01319890283048153},{"word":"anyway","start":283.23502,"end":283.73502,"confidence":0.9482422,"punctuated_word":"anyway,","sentiment":"neutral","sentiment_score":-0.01104256883263588},{"word":"i","start":283.795,"end":284.035,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.010461216792464256},{"word":"just","start":284.035,"end":284.275,"confidence":0.85546875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.03185826539993286},{"word":"haven't","start":284.275,"end":284.595,"confidence":0.9995117,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.034923799335956573},{"word":"put","start":284.595,"end":284.835,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.0039967820048332214},{"word":"any","start":284.835,"end":285.155,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.03866036236286163},{"word":"serious","start":285.155,"end":285.555,"confidence":0.99902344,"punctuated_word":"serious","sentiment":"neutral","sentiment_score":-0.029810667037963867},{"word":"thought","start":285.555,"end":285.715,"confidence":0.9970703,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":-0.02392189204692841},{"word":"into","start":285.715,"end":285.95502,"confidence":1.0,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.009573400020599363},{"word":"that","start":285.95502,"end":286.195,"confidence":0.9255371,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.01392395794391632},{"word":"and","start":286.195,"end":286.435,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0011954158544540403},{"word":"i","start":286.435,"end":286.595,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.008596375584602356},{"word":"just","start":286.595,"end":286.8,"confidence":0.9472656,"punctuated_word":"just,","sentiment":"neutral","sentiment_score":0.015806645154953003},{"word":"yeah","start":287.03998,"end":287.53998,"confidence":0.99560547,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.04413975402712822},{"word":"i","start":287.75998,"end":288.0,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0394449457526207},{"word":"just","start":288.0,"end":288.24,"confidence":0.37158203,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04786962270736694},{"word":"gonna","start":288.24,"end":288.47998,"confidence":0.9902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.02654142305254936},{"word":"leave","start":288.47998,"end":288.63998,"confidence":0.99902344,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.0009451508522033692},{"word":"it","start":288.63998,"end":288.8,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.004983037710189819},{"word":"alone","start":288.8,"end":289.28,"confidence":1.0,"punctuated_word":"alone","sentiment":"neutral","sentiment_score":0.012808315455913544},{"word":"and","start":289.28,"end":289.52,"confidence":0.5883789,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.00880374014377594},{"word":"for","start":289.59998,"end":289.75998,"confidence":0.97802734,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.02667809277772903},{"word":"the","start":289.75998,"end":289.91998,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03367980569601059},{"word":"time","start":289.91998,"end":290.15997,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.03937479108572006},{"word":"being","start":290.15997,"end":290.4,"confidence":0.9433594,"punctuated_word":"being.","sentiment":"neutral","sentiment_score":0.034591738134622574},{"word":"like","start":290.4,"end":290.63998,"confidence":0.9782715,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.06489676237106323},{"word":"when","start":290.63998,"end":290.87997,"confidence":0.9970703,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.054813452064991},{"word":"when","start":290.87997,"end":291.03998,"confidence":0.9038086,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.08198397606611252},{"word":"we","start":291.03998,"end":291.19998,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06786300241947174},{"word":"talk","start":291.19998,"end":291.44,"confidence":0.99902344,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.055165067315101624},{"word":"soon","start":291.44,"end":291.75998,"confidence":0.99902344,"punctuated_word":"soon","sentiment":"neutral","sentiment_score":0.05216962844133377},{"word":"and","start":291.75998,"end":292.0,"confidence":0.96777344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05027351528406143},{"word":"things","start":292.0,"end":292.31998,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.027188442647457123},{"word":"start","start":292.31998,"end":292.63998,"confidence":0.98828125,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.02660366892814636},{"word":"getting","start":292.63998,"end":292.96,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.0312143936753273},{"word":"back","start":292.96,"end":293.12,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.040060073137283325},{"word":"to","start":293.12,"end":293.28,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0462975800037384},{"word":"where","start":293.28,"end":293.52,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.01199188083410263},{"word":"they","start":293.52,"end":293.68,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.007496237754821777},{"word":"should","start":293.68,"end":294.0,"confidence":0.9655762,"punctuated_word":"should,","sentiment":"neutral","sentiment_score":0.0446135476231575},{"word":"then","start":294.0,"end":294.5,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.04823965206742287},{"word":"i'll","start":294.72,"end":294.87997,"confidence":0.9980469,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0345294326543808},{"word":"make","start":294.87997,"end":295.12,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.024562068283557892},{"word":"some","start":295.12,"end":295.44,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.014330081641674042},{"word":"considerations","start":295.44,"end":295.94,"confidence":0.97998047,"punctuated_word":"considerations","sentiment":"neutral","sentiment_score":-0.003307580947875977},{"word":"for","start":296.15997,"end":296.31998,"confidence":0.99121094,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.013196397572755814},{"word":"that","start":296.31998,"end":296.56,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03432868793606758},{"word":"sort","start":296.56,"end":296.8,"confidence":1.0,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.03319905698299408},{"word":"of","start":296.8,"end":296.96,"confidence":0.98291016,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.008089736104011536},{"word":"stuff","start":296.96,"end":297.28,"confidence":0.86694336,"punctuated_word":"stuff.","sentiment":"neutral","sentiment_score":0.013171179220080376},{"word":"but","start":297.28,"end":297.78,"confidence":0.94750977,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.07368947565555573},{"word":"yeah","start":299.19998,"end":299.52,"confidence":0.85253906,"punctuated_word":"yeah,","sentiment":"positive","sentiment_score":0.49457019567489624},{"word":"it's","start":299.52,"end":299.75998,"confidence":0.98950195,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.5268967151641846},{"word":"all","start":299.75998,"end":299.91998,"confidence":0.99902344,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.4607613980770111},{"word":"good","start":299.91998,"end":300.15997,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.556999921798706},{"word":"for","start":300.15997,"end":300.4,"confidence":0.99902344,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5561111569404602},{"word":"now","start":300.4,"end":300.855,"confidence":0.9995117,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.2812621593475342},{"word":"okay","start":331.845,"end":332.345,"confidence":0.9785156,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.493553102016449},{"word":"perfect","start":332.405,"end":332.905,"confidence":0.98950195,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6763162016868591},{"word":"yeah","start":404.27,"end":404.67,"confidence":0.9609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02307925373315811},{"word":"yeah","start":404.67,"end":404.99,"confidence":0.6668701,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.014232050627470016},{"word":"i","start":404.99,"end":405.07,"confidence":0.94921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0141348484903574},{"word":"had","start":405.07,"end":405.31,"confidence":0.94384766,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.01745489053428173},{"word":"i","start":405.31,"end":405.47,"confidence":0.9633789,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08487504720687866},{"word":"had","start":405.47,"end":405.71,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.13336913287639618},{"word":"trauma","start":405.71,"end":406.19,"confidence":0.9970703,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.1351863592863083},{"word":"at","start":406.19,"end":406.43,"confidence":0.97998047,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06147889792919159},{"word":"first","start":406.43,"end":406.845,"confidence":0.7553711,"punctuated_word":"first,","sentiment":"neutral","sentiment_score":-0.09592534601688384},{"word":"and","start":407.085,"end":407.585,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.10576431453227995},{"word":"and","start":407.645,"end":407.805,"confidence":0.97509766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1270383596420288},{"word":"then","start":407.805,"end":407.965,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.08817459642887115},{"word":"i","start":407.965,"end":408.205,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.19137020409107208},{"word":"just","start":408.205,"end":408.685,"confidence":0.9921875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1672532558441162},{"word":"okay","start":408.845,"end":409.165,"confidence":0.81396484,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.13911135494709015},{"word":"it","start":409.165,"end":409.405,"confidence":0.8964844,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.2797721326351166},{"word":"kept","start":409.405,"end":409.645,"confidence":0.97265625,"punctuated_word":"kept","sentiment":"neutral","sentiment_score":-0.29181209206581116},{"word":"coming","start":409.645,"end":409.965,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":-0.2374718189239502},{"word":"out","start":409.965,"end":410.125,"confidence":0.8330078,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.21392597258090973},{"word":"i'm","start":410.125,"end":410.285,"confidence":0.9133301,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.2620941698551178},{"word":"like","start":410.285,"end":410.785,"confidence":0.86743164,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.17555101215839386},{"word":"you","start":410.925,"end":411.085,"confidence":0.7841797,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1807500123977661},{"word":"know","start":411.085,"end":411.405,"confidence":0.99658203,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.19971276819705963},{"word":"when","start":411.405,"end":411.645,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.20369666814804077},{"word":"you","start":411.645,"end":411.805,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2734602391719818},{"word":"just","start":411.805,"end":411.965,"confidence":0.9873047,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.21417370438575745},{"word":"feel","start":411.965,"end":412.465,"confidence":0.9921875,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.24408452212810516},{"word":"like","start":412.64502,"end":413.14502,"confidence":0.7836914,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.2804926931858063},{"word":"there's","start":413.325,"end":413.645,"confidence":0.9580078,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.2782972753047943},{"word":"no","start":413.645,"end":413.805,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.26614832878112793},{"word":"need","start":413.805,"end":414.305,"confidence":0.9616699,"punctuated_word":"need.","sentiment":"neutral","sentiment_score":-0.32576751708984375},{"word":"so","start":415.405,"end":415.645,"confidence":0.9291992,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.04494980722665787},{"word":"and","start":416.205,"end":416.525,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03821362927556038},{"word":"and","start":416.525,"end":416.845,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.033281080424785614},{"word":"since","start":416.845,"end":417.085,"confidence":0.99902344,"punctuated_word":"since","sentiment":"neutral","sentiment_score":-0.04177258163690567},{"word":"then","start":417.085,"end":417.485,"confidence":0.84887695,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":-0.003649771213531494},{"word":"i","start":417.485,"end":417.565,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.004425257444381714},{"word":"mean","start":417.565,"end":417.725,"confidence":0.99902344,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.02058814838528633},{"word":"it's","start":417.725,"end":417.885,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.01203162968158722},{"word":"been","start":417.885,"end":418.045,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.032504141330718994},{"word":"a","start":418.045,"end":418.125,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01937545090913773},{"word":"couple","start":418.125,"end":418.445,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.01625223457813263},{"word":"of","start":418.445,"end":418.525,"confidence":0.9160156,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.011927798390388489},{"word":"years","start":418.525,"end":418.765,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.0004985332489013672},{"word":"now","start":418.765,"end":419.005,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.005343340337276459},{"word":"that","start":419.005,"end":419.245,"confidence":0.9316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02283074706792831},{"word":"there's","start":419.245,"end":419.565,"confidence":0.99853516,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.00005318721377989277},{"word":"been","start":419.565,"end":419.805,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.006912052631378174},{"word":"no","start":419.805,"end":419.965,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.02567370980978012},{"word":"trauma","start":419.965,"end":420.285,"confidence":0.9970703,"punctuated_word":"trauma.","sentiment":"neutral","sentiment_score":-0.06760250777006149},{"word":"i'm","start":420.285,"end":420.365,"confidence":0.98706055,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.005052405409514904},{"word":"not","start":420.365,"end":420.525,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.015725672245025635},{"word":"saying","start":420.525,"end":420.765,"confidence":1.0,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":-0.0350363552570343},{"word":"there","start":420.765,"end":420.925,"confidence":0.99609375,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.01037098467350006},{"word":"isn't","start":420.925,"end":421.165,"confidence":0.9951172,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.011994652450084686},{"word":"gonna","start":421.165,"end":421.485,"confidence":0.9941406,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.03795153275132179},{"word":"be","start":421.485,"end":421.645,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.0275154709815979},{"word":"trauma","start":421.645,"end":422.125,"confidence":0.99365234,"punctuated_word":"trauma,","sentiment":"neutral","sentiment_score":-0.022852014750242233},{"word":"but","start":422.125,"end":422.625,"confidence":0.9326172,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.09139984101057053},{"word":"so","start":423.75,"end":424.07,"confidence":0.5932617,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.14037853479385376},{"word":"far","start":424.07,"end":424.31,"confidence":0.9980469,"punctuated_word":"far","sentiment":"neutral","sentiment_score":0.2192898690700531},{"word":"so","start":424.31,"end":424.55002,"confidence":0.6738281,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.19677767157554624},{"word":"good","start":424.55002,"end":424.79,"confidence":0.9926758,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.14854982495307922},{"word":"so","start":424.79,"end":425.03,"confidence":0.9321289,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.08321508765220642},{"word":"yeah","start":425.03,"end":425.19,"confidence":0.99560547,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.1140078902244568},{"word":"i'll","start":425.19,"end":425.43002,"confidence":0.9975586,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.08670543879270554},{"word":"be","start":425.43002,"end":425.67,"confidence":0.9921875,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.07041659951210022},{"word":"just","start":425.67,"end":425.91,"confidence":0.8442383,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06905022263526917},{"word":"i'll","start":425.99002,"end":426.23,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0590086504817009},{"word":"i'll","start":426.23,"end":426.47,"confidence":0.99609375,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0592566542327404},{"word":"leave","start":426.47,"end":426.63,"confidence":1.0,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.02553555741906166},{"word":"that","start":426.63,"end":426.79,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.031133919954299927},{"word":"alone","start":426.79,"end":427.03,"confidence":1.0,"punctuated_word":"alone","sentiment":"neutral","sentiment_score":0.03342968970537186},{"word":"again","start":427.03,"end":427.27002,"confidence":0.9970703,"punctuated_word":"again","sentiment":"neutral","sentiment_score":0.05134211480617523},{"word":"for","start":427.27002,"end":427.51,"confidence":0.9819336,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.02870151400566101},{"word":"the","start":427.51,"end":427.59,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01588577963411808},{"word":"time","start":427.59,"end":427.91,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.02888711541891098},{"word":"being","start":427.91,"end":428.15,"confidence":1.0,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.014817684888839722},{"word":"just","start":428.15,"end":428.47,"confidence":0.79296875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.011812269687652588},{"word":"until","start":428.47,"end":428.97,"confidence":0.9633789,"punctuated_word":"until,","sentiment":"neutral","sentiment_score":0.02555280737578869},{"word":"yeah","start":429.11002,"end":429.43002,"confidence":0.9970703,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.05749287083745003},{"word":"things","start":429.43002,"end":429.83002,"confidence":0.99609375,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.04819950461387634},{"word":"balance","start":429.83002,"end":430.23,"confidence":0.9760742,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.07329350709915161},{"word":"out","start":430.23,"end":430.73,"confidence":0.9921875,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.0700501874089241},{"word":"yeah","start":461.235,"end":461.555,"confidence":0.8066406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11264348030090332},{"word":"100%","start":461.555,"end":462.19498,"confidence":0.9350586,"punctuated_word":"100%.","sentiment":"neutral","sentiment_score":0.1402006298303604},{"word":"i","start":462.19498,"end":462.35498,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03799602761864662},{"word":"mean","start":462.35498,"end":462.51498,"confidence":0.9970703,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.030056752264499664},{"word":"if","start":462.51498,"end":462.675,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.04675327241420746},{"word":"i","start":462.675,"end":462.755,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.014974482357501984},{"word":"can","start":462.755,"end":462.91498,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.017109572887420654},{"word":"do","start":462.91498,"end":463.07498,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.036496102809906006},{"word":"that","start":463.07498,"end":463.395,"confidence":0.9812012,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.07326407730579376},{"word":"great","start":463.395,"end":463.895,"confidence":0.99560547,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.3896508812904358},{"word":"i","start":464.035,"end":464.19498,"confidence":0.89453125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01783384382724762},{"word":"mean","start":464.19498,"end":464.69498,"confidence":0.99560547,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.02668192982673645},{"word":"any","start":465.07498,"end":465.395,"confidence":0.74365234,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.04864315688610077},{"word":"any","start":465.395,"end":465.875,"confidence":0.9970703,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.02569419890642166},{"word":"any","start":465.875,"end":466.275,"confidence":0.98828125,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.021717071533203125},{"word":"chance","start":466.275,"end":466.755,"confidence":1.0,"punctuated_word":"chance","sentiment":"neutral","sentiment_score":-0.17148074507713318},{"word":"to","start":466.755,"end":467.235,"confidence":0.9707031,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08773715794086456},{"word":"stop","start":467.235,"end":467.47498,"confidence":0.9980469,"punctuated_word":"stop","sentiment":"neutral","sentiment_score":-0.008411258459091187},{"word":"working","start":467.47498,"end":467.875,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.13338571786880493},{"word":"early","start":467.875,"end":468.35498,"confidence":0.7480469,"punctuated_word":"early,","sentiment":"neutral","sentiment_score":-0.09951697289943696},{"word":"i","start":468.35498,"end":468.435,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05463675409555435},{"word":"would","start":468.435,"end":468.675,"confidence":0.7709961,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.0813753604888916},{"word":"tag","start":468.675,"end":469.175,"confidence":0.9501953,"punctuated_word":"tag.","sentiment":"neutral","sentiment_score":0.028069905936717987},{"word":"but","start":470.275,"end":470.595,"confidence":0.94384766,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.15938009321689606},{"word":"i","start":470.595,"end":470.755,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.013566255569458008},{"word":"feel","start":470.755,"end":470.995,"confidence":1.0,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.013815924525260924},{"word":"like","start":470.995,"end":471.235,"confidence":0.9716797,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.09661439061164856},{"word":"maybe","start":471.235,"end":471.47498,"confidence":0.96533203,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.05423454940319061},{"word":"i","start":472.95,"end":473.03,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.100466787815094},{"word":"don't","start":473.03,"end":473.19,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.19410578906536105},{"word":"know","start":473.19,"end":473.43002,"confidence":0.9980469,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.10928340256214142},{"word":"i","start":473.43002,"end":473.59003,"confidence":0.82958984,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10536982864141464},{"word":"wouldn't","start":473.59003,"end":473.99002,"confidence":0.82543945,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.10280072689056396},{"word":"say","start":473.99002,"end":474.15002,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.1049250066280365},{"word":"too","start":474.15002,"end":474.39,"confidence":0.9921875,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.09171433001756668},{"word":"little","start":474.39,"end":474.63,"confidence":0.78808594,"punctuated_word":"little,","sentiment":"neutral","sentiment_score":-0.1155983954668045},{"word":"too","start":474.63,"end":474.79,"confidence":1.0,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.0988173484802246},{"word":"late","start":474.79,"end":475.11002,"confidence":0.967041,"punctuated_word":"late,","sentiment":"neutral","sentiment_score":-0.14452022314071655},{"word":"but","start":475.11002,"end":475.61002,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.1162031814455986},{"word":"i'll","start":475.83002,"end":476.07,"confidence":0.99902344,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.1580551713705063},{"word":"probably","start":476.07,"end":476.39,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.17041417956352234},{"word":"just","start":476.39,"end":476.63,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.17199891805648804},{"word":"be","start":476.63,"end":476.79,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2107003927230835},{"word":"stepping","start":476.79,"end":477.11002,"confidence":1.0,"punctuated_word":"stepping","sentiment":"neutral","sentiment_score":-0.23674704134464264},{"word":"back","start":477.11002,"end":477.27002,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.09717202186584473},{"word":"a","start":477.27002,"end":477.43002,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.20683732628822327},{"word":"little","start":477.43002,"end":477.59003,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.13633477687835693},{"word":"bit","start":477.59003,"end":477.75,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.13680467009544373},{"word":"when","start":477.75,"end":477.91,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.1679459661245346},{"word":"i","start":477.91,"end":477.99002,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0860733687877655},{"word":"get","start":477.99002,"end":478.15002,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.12938883900642395},{"word":"to","start":478.15002,"end":478.23,"confidence":0.984375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03194461762905121},{"word":"that","start":478.23,"end":478.39,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0440366193652153},{"word":"age","start":478.39,"end":478.63,"confidence":0.9970703,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.07474470138549805},{"word":"as","start":478.63,"end":478.79,"confidence":0.9819336,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.060795508325099945},{"word":"opposed","start":478.79,"end":479.11002,"confidence":0.9951172,"punctuated_word":"opposed","sentiment":"neutral","sentiment_score":-0.10474540293216704},{"word":"to","start":479.11002,"end":479.27002,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.21646012365818024},{"word":"stopping","start":479.27002,"end":479.59003,"confidence":0.9980469,"punctuated_word":"stopping","sentiment":"neutral","sentiment_score":-0.2266046404838562},{"word":"completely","start":479.59003,"end":480.09003,"confidence":0.98461914,"punctuated_word":"completely.","sentiment":"neutral","sentiment_score":-0.22196364402770996},{"word":"so","start":480.15002,"end":480.65002,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.021347112953662872},{"word":"i","start":481.83002,"end":481.99002,"confidence":0.74658203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01719340682029724},{"word":"don't","start":481.99002,"end":482.15002,"confidence":0.9951172,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.04153171181678772},{"word":"know","start":482.15002,"end":482.31,"confidence":0.99658203,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.06782952696084976},{"word":"i","start":482.31,"end":482.39,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06203526258468628},{"word":"guess","start":482.39,"end":482.63,"confidence":0.99902344,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":-0.07020135968923569},{"word":"we'll","start":482.63,"end":482.79,"confidence":0.95288086,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":-0.032302841544151306},{"word":"just","start":482.79,"end":482.95,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.01322127878665924},{"word":"see","start":482.95,"end":483.11002,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.020644910633563995},{"word":"how","start":483.11002,"end":483.27002,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.018632620573043823},{"word":"things","start":483.27002,"end":483.59003,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.005250990390777588},{"word":"go","start":483.59003,"end":483.75,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.02972540259361267},{"word":"over","start":483.75,"end":483.91,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.055223576724529266},{"word":"that","start":483.91,"end":484.15002,"confidence":0.9902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.00033120810985565186},{"word":"next","start":484.15002,"end":484.39,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.002458736300468445},{"word":"ten","start":484.39,"end":484.55002,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.016277451068162918},{"word":"years","start":484.55002,"end":484.79,"confidence":0.91381836,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.03063571080565453},{"word":"but","start":484.79,"end":485.27002,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.07827675342559814},{"word":"look","start":485.27002,"end":485.67,"confidence":0.44299316,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.15209081768989563},{"word":"any","start":485.67,"end":485.91,"confidence":0.7363281,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.21912196278572085},{"word":"chance","start":485.91,"end":486.23,"confidence":0.9980469,"punctuated_word":"chance","sentiment":"neutral","sentiment_score":0.1021074801683426},{"word":"i","start":486.23,"end":486.71002,"confidence":0.76416016,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16562363505363464},{"word":"i","start":486.71002,"end":486.79,"confidence":0.56591797,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1761021912097931},{"word":"could","start":486.79,"end":486.95,"confidence":0.9980469,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.27277353405952454},{"word":"get","start":486.95,"end":487.365,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.17644508183002472},{"word":"to","start":487.44498,"end":487.685,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13970783352851868},{"word":"get","start":487.685,"end":487.845,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.10785291343927383},{"word":"out","start":487.845,"end":488.16498,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.12814991176128387},{"word":"of","start":488.16498,"end":488.405,"confidence":0.99194336,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.11267015337944032},{"word":"you","start":488.405,"end":488.565,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.016131877899169922},{"word":"know","start":488.565,"end":488.72498,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.08064793050289154},{"word":"the","start":488.72498,"end":488.88498,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13911864161491394},{"word":"daily","start":488.88498,"end":489.285,"confidence":0.98828125,"punctuated_word":"daily","sentiment":"neutral","sentiment_score":0.10104701668024064},{"word":"grind","start":489.285,"end":489.60498,"confidence":0.94555664,"punctuated_word":"grind,","sentiment":"neutral","sentiment_score":0.14436431229114532},{"word":"i","start":489.60498,"end":489.76498,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2500961422920227},{"word":"would","start":489.76498,"end":489.925,"confidence":0.9970703,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.2944861352443695},{"word":"take","start":489.925,"end":490.085,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.26794129610061646},{"word":"it","start":490.085,"end":490.585,"confidence":0.92089844,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.12275606393814088},{"word":"you","start":490.645,"end":490.805,"confidence":0.9580078,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.07659701257944107},{"word":"know","start":490.805,"end":491.305,"confidence":0.98046875,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":0.09178826212882996},{"word":"what","start":509.46,"end":509.7,"confidence":0.5205078,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.07782302796840668},{"word":"do","start":509.7,"end":509.86002,"confidence":0.99316406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07134506851434708},{"word":"you","start":509.86002,"end":510.02002,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08825124055147171},{"word":"think","start":510.02002,"end":510.18,"confidence":0.9970703,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.045801617205142975},{"word":"about","start":510.18,"end":510.66,"confidence":0.78564453,"punctuated_word":"about,","sentiment":"neutral","sentiment_score":0.07001993060112},{"word":"like","start":510.66,"end":510.98,"confidence":0.9313965,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.05935978516936302},{"word":"if","start":510.98,"end":511.22,"confidence":0.984375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0637231171131134},{"word":"if","start":511.22,"end":511.38,"confidence":0.97802734,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.054821744561195374},{"word":"i","start":511.38,"end":511.54,"confidence":0.9194336,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0760442465543747},{"word":"forget","start":511.54,"end":511.935,"confidence":0.46679688,"punctuated_word":"forget","sentiment":"neutral","sentiment_score":0.05119025707244873},{"word":"the","start":511.935,"end":512.095,"confidence":0.7651367,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09105350822210312},{"word":"super","start":512.095,"end":512.335,"confidence":0.9116211,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.11924608796834946},{"word":"to","start":512.335,"end":512.415,"confidence":0.97802734,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1239103227853775},{"word":"two","start":512.415,"end":512.735,"confidence":0.9980469,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.09474563598632812},{"word":"fifty","start":512.735,"end":513.055,"confidence":0.9980469,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.13022784888744354},{"word":"k","start":513.055,"end":513.455,"confidence":0.7792969,"punctuated_word":"k,","sentiment":"neutral","sentiment_score":0.14678004384040833},{"word":"basically","start":513.455,"end":513.935,"confidence":0.9567871,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":0.14199721813201904},{"word":"as","start":513.935,"end":514.095,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13638779520988464},{"word":"quick","start":514.095,"end":514.415,"confidence":0.9980469,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.15827903151512146},{"word":"as","start":514.415,"end":514.575,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11867483705282213},{"word":"possible","start":514.575,"end":515.055,"confidence":1.0,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":0.136393204331398},{"word":"to","start":515.055,"end":515.215,"confidence":0.9428711,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1841973066329956},{"word":"let","start":515.215,"end":515.455,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.20360025763511655},{"word":"that","start":515.455,"end":515.855,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18704478442668915},{"word":"run","start":515.855,"end":516.175,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.15646186470985413},{"word":"then","start":516.175,"end":516.495,"confidence":0.9707031,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2064829617738724},{"word":"as","start":516.495,"end":516.65497,"confidence":0.9633789,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17200379073619845},{"word":"as","start":516.65497,"end":517.055,"confidence":0.9645996,"punctuated_word":"as,","sentiment":"neutral","sentiment_score":0.15752989053726196},{"word":"you","start":517.055,"end":517.215,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12204486131668092},{"word":"know","start":517.215,"end":517.455,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.13385862112045288},{"word":"as","start":517.455,"end":517.615,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.18328550457954407},{"word":"you","start":517.615,"end":517.775,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1443350911140442},{"word":"mentioned","start":517.775,"end":518.175,"confidence":1.0,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.16427990794181824},{"word":"earlier","start":518.175,"end":518.675,"confidence":0.74609375,"punctuated_word":"earlier,","sentiment":"neutral","sentiment_score":0.13907381892204285},{"word":"and","start":518.975,"end":519.215,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09136061370372772},{"word":"then","start":519.215,"end":519.715,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09633935242891312},{"word":"to","start":519.775,"end":520.275,"confidence":0.9873047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09847193956375122},{"word":"flip","start":520.415,"end":520.65497,"confidence":0.96777344,"punctuated_word":"flip","sentiment":"neutral","sentiment_score":0.1324215680360794},{"word":"the","start":520.65497,"end":520.815,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11237017065286636},{"word":"focus","start":520.815,"end":521.295,"confidence":0.9980469,"punctuated_word":"focus","sentiment":"neutral","sentiment_score":0.12146059423685074},{"word":"onto","start":521.295,"end":521.775,"confidence":0.8588867,"punctuated_word":"onto","sentiment":"neutral","sentiment_score":0.11674018204212187},{"word":"something","start":521.775,"end":522.175,"confidence":0.9970703,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.12232773005962372},{"word":"or","start":522.255,"end":522.495,"confidence":0.99609375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.11709995567798616},{"word":"maybe","start":522.495,"end":522.735,"confidence":0.99609375,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.139727383852005},{"word":"doing","start":522.735,"end":523.055,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.16436517238616943},{"word":"both","start":523.055,"end":523.295,"confidence":1.0,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.15425285696983335},{"word":"at","start":523.295,"end":523.455,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.13468709588050842},{"word":"the","start":523.455,"end":523.535,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1607566773891449},{"word":"same","start":523.535,"end":523.855,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.16336430609226227},{"word":"time","start":523.855,"end":524.355,"confidence":0.91503906,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.15352791547775269},{"word":"like","start":524.69,"end":525.19,"confidence":0.9914551,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.14160868525505066},{"word":"you","start":525.73,"end":525.89,"confidence":0.7866211,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09918671101331712},{"word":"know","start":525.89,"end":526.29,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.14113222062587738},{"word":"investing","start":526.29,"end":526.69,"confidence":1.0,"punctuated_word":"investing","sentiment":"neutral","sentiment_score":0.15517902374267578},{"word":"extra","start":526.69,"end":526.93,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.149161234498024},{"word":"cash","start":526.93,"end":527.17,"confidence":1.0,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.21121761202812195},{"word":"into","start":527.17,"end":527.41,"confidence":0.99609375,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.17416955530643463},{"word":"the","start":527.41,"end":527.57,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1946907639503479},{"word":"super","start":527.57,"end":527.89,"confidence":0.9038086,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2986690104007721},{"word":"to","start":527.89,"end":527.97,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1961427330970764},{"word":"get","start":527.97,"end":528.13,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.21446318924427032},{"word":"it","start":528.13,"end":528.21,"confidence":0.9902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1820793449878693},{"word":"where","start":528.21,"end":528.37,"confidence":0.9980469,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.18749314546585083},{"word":"it","start":528.37,"end":528.45,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1374804675579071},{"word":"needs","start":528.45,"end":528.61,"confidence":1.0,"punctuated_word":"needs","sentiment":"neutral","sentiment_score":0.14499782025814056},{"word":"to","start":528.61,"end":528.77,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13561062514781952},{"word":"be","start":528.77,"end":529.08997,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.17653092741966248},{"word":"quicker","start":529.08997,"end":529.58997,"confidence":0.9628906,"punctuated_word":"quicker.","sentiment":"neutral","sentiment_score":0.15393607318401337},{"word":"and","start":531.08997,"end":531.25,"confidence":0.97314453,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11861055344343184},{"word":"then","start":531.25,"end":531.57,"confidence":0.83935547,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.13606791198253632},{"word":"yeah","start":531.57,"end":531.81,"confidence":0.9926758,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.13858339190483093},{"word":"and","start":531.81,"end":531.97,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11572130769491196},{"word":"then","start":531.97,"end":532.29,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.14467312395572662},{"word":"with","start":532.29,"end":532.69,"confidence":0.99316406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1209859848022461},{"word":"one","start":532.69,"end":532.93,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.13491788506507874},{"word":"of","start":532.93,"end":533.08997,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14875297248363495},{"word":"your","start":533.08997,"end":533.33,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12810158729553223},{"word":"ideas","start":533.33,"end":533.81,"confidence":1.0,"punctuated_word":"ideas","sentiment":"neutral","sentiment_score":0.1514912247657776},{"word":"outside","start":533.81,"end":534.29,"confidence":0.9941406,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.169631689786911},{"word":"of","start":534.29,"end":534.45,"confidence":0.9472656,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11904827505350112},{"word":"super","start":534.45,"end":534.95,"confidence":0.9772949,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.15268400311470032},{"word":"you","start":535.81,"end":535.89,"confidence":0.98828125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11366572976112366},{"word":"know","start":535.89,"end":536.21,"confidence":0.9980469,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.1265069991350174},{"word":"to","start":536.21,"end":536.37,"confidence":0.95166016,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1443897932767868},{"word":"do","start":536.37,"end":536.52997,"confidence":0.9760742,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11575250327587128},{"word":"maybe","start":536.61,"end":536.85,"confidence":0.99902344,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.11620263755321504},{"word":"do","start":536.85,"end":537.01,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11198878288269044},{"word":"that","start":537.01,"end":537.25,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09410198777914049},{"word":"at","start":537.25,"end":537.33,"confidence":0.7553711,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06480368226766586},{"word":"the","start":537.33,"end":537.41,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09142932295799255},{"word":"same","start":537.41,"end":537.65,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.08457246422767639},{"word":"time","start":537.65,"end":537.97,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.07844871282577515},{"word":"or","start":537.97,"end":538.21,"confidence":0.99316406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.06290877610445023},{"word":"after","start":538.21,"end":538.52997,"confidence":0.9104004,"punctuated_word":"after.","sentiment":"neutral","sentiment_score":0.03544049337506294},{"word":"i","start":538.52997,"end":538.69,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.049024906009435654},{"word":"don't","start":538.69,"end":538.85,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.042259037494659424},{"word":"know","start":538.85,"end":539.33,"confidence":0.99658203,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.030687233433127403},{"word":"yeah","start":539.33,"end":539.57,"confidence":0.8562012,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.012918386608362198},{"word":"that's","start":539.57,"end":539.97,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.003894300665706396},{"word":"sort","start":539.97,"end":540.21,"confidence":0.9970703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.00906580686569214},{"word":"of","start":540.21,"end":540.345,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.015725113451480865},{"word":"where","start":540.90497,"end":541.225,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.033414311707019806},{"word":"my","start":541.225,"end":541.38495,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.024531684815883636},{"word":"head's","start":541.38495,"end":541.70496,"confidence":0.9707031,"punctuated_word":"head's","sentiment":"neutral","sentiment_score":-0.04776306077837944},{"word":"going","start":541.70496,"end":541.94495,"confidence":0.9873047,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.011041849851608276},{"word":"at","start":541.94495,"end":542.105,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.01482921838760376},{"word":"the","start":542.105,"end":542.185,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.023322351276874546},{"word":"minute","start":542.185,"end":542.685,"confidence":1.0,"punctuated_word":"minute.","sentiment":"neutral","sentiment_score":0.02644876390695572},{"word":"okay","start":587.51,"end":588.01,"confidence":0.9436035,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.25263503193855286},{"word":"no","start":606.70996,"end":606.94995,"confidence":0.9020996,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2433246523141861},{"word":"it's","start":606.94995,"end":607.26996,"confidence":0.92944336,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.23026487231254575},{"word":"not","start":607.26996,"end":607.76996,"confidence":0.986084,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":-0.21359241008758545},{"word":"okay","start":607.91,"end":608.41,"confidence":0.7408447,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0030314363539218903},{"word":"okay","start":616.14996,"end":616.64996,"confidence":0.9904785,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.29388850927352905},{"word":"so","start":630.06,"end":630.56,"confidence":0.8232422,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.20263056457042697},{"word":"i","start":631.02,"end":631.10004,"confidence":0.9291992,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.3273916244506836},{"word":"think","start":631.10004,"end":631.60004,"confidence":0.921875,"punctuated_word":"think","sentiment":"positive","sentiment_score":0.35915878415107727},{"word":"i","start":631.66003,"end":631.82,"confidence":0.42236328,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.30791977047920227},{"word":"like","start":632.06,"end":632.22003,"confidence":0.98217773,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.30250227451324463},{"word":"i","start":632.22003,"end":632.46,"confidence":0.99902344,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4572947323322296},{"word":"should","start":632.46,"end":632.7,"confidence":1.0,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.5116567015647888},{"word":"be","start":632.7,"end":633.18005,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.48879629373550415},{"word":"pretty","start":633.18005,"end":633.68005,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.49301478266716},{"word":"comfy","start":633.82,"end":634.32,"confidence":0.9790039,"punctuated_word":"comfy","sentiment":"positive","sentiment_score":0.4320927858352661},{"word":"putting","start":634.94,"end":635.26,"confidence":0.7392578,"punctuated_word":"putting","sentiment":"positive","sentiment_score":0.4682351350784302},{"word":"away","start":635.26,"end":635.5,"confidence":0.9970703,"punctuated_word":"away","sentiment":"positive","sentiment_score":0.458458811044693},{"word":"$400","start":635.5,"end":636.22003,"confidence":0.9992676,"punctuated_word":"$400","sentiment":"positive","sentiment_score":0.44408249855041504},{"word":"a","start":636.22003,"end":636.30005,"confidence":0.99316406,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3969298303127289},{"word":"week","start":636.30005,"end":636.80005,"confidence":1.0,"punctuated_word":"week","sentiment":"positive","sentiment_score":0.35723820328712463},{"word":"and","start":637.26,"end":637.42004,"confidence":0.61083984,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07779285311698914},{"word":"then","start":637.42004,"end":637.66003,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.11156821250915527},{"word":"still","start":637.66003,"end":637.9,"confidence":0.9980469,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.12237198650836945},{"word":"having","start":637.9,"end":638.14,"confidence":0.99902344,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.09057117253541946},{"word":"a","start":638.14,"end":638.22003,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16660088300704956},{"word":"little","start":638.22003,"end":638.46,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.07313739508390427},{"word":"bit","start":638.46,"end":638.62006,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.08067846298217773},{"word":"to","start":638.62006,"end":638.78,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07600222527980804},{"word":"play","start":638.78,"end":638.94,"confidence":0.9560547,"punctuated_word":"play","sentiment":"neutral","sentiment_score":0.03962691128253937},{"word":"with","start":638.94,"end":639.26,"confidence":0.8972168,"punctuated_word":"with.","sentiment":"neutral","sentiment_score":0.11832748353481291},{"word":"but","start":639.26,"end":639.42004,"confidence":0.79589844,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.008962050080299377},{"word":"like","start":639.42004,"end":639.58,"confidence":0.9707031,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.005160562694072723},{"word":"because","start":639.74005,"end":639.98004,"confidence":0.98535156,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.017050229012966156},{"word":"i'm","start":639.98004,"end":640.06,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.004400057252496481},{"word":"paying","start":640.06,"end":640.38,"confidence":0.99902344,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.021444417536258698},{"word":"$6.50","start":640.38,"end":640.94,"confidence":0.99902344,"punctuated_word":"$6.50","sentiment":"neutral","sentiment_score":0.024408679455518723},{"word":"in","start":640.94,"end":641.10004,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04040750861167908},{"word":"rent","start":641.10004,"end":641.42004,"confidence":0.85717773,"punctuated_word":"rent.","sentiment":"neutral","sentiment_score":-0.01343928650021553},{"word":"i","start":641.42004,"end":641.58,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.015903450548648834},{"word":"pay","start":641.58,"end":642.045,"confidence":0.98535156,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.003747686743736267},{"word":"$3.50","start":642.52496,"end":643.665,"confidence":1.0,"punctuated_word":"$3.50","sentiment":"neutral","sentiment_score":0.01962372660636902},{"word":"towards","start":644.285,"end":644.685,"confidence":0.7919922,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.010111629962921144},{"word":"maintenance","start":644.685,"end":645.185,"confidence":1.0,"punctuated_word":"maintenance","sentiment":"neutral","sentiment_score":0.04023328423500061},{"word":"a","start":646.365,"end":646.52496,"confidence":0.96972656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.004606448113918304},{"word":"week","start":646.52496,"end":647.02496,"confidence":0.88378906,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":-0.006469763815402985},{"word":"and","start":647.165,"end":647.40497,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.015996165573596954},{"word":"it's","start":647.40497,"end":647.565,"confidence":0.8342285,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.015243813395500185},{"word":"just","start":647.565,"end":647.725,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.07257787883281708},{"word":"a","start":647.725,"end":647.885,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.010331690311431885},{"word":"massive","start":647.885,"end":648.285,"confidence":1.0,"punctuated_word":"massive","sentiment":"neutral","sentiment_score":0.10671783983707428},{"word":"killer","start":648.285,"end":648.605,"confidence":0.5760498,"punctuated_word":"killer.","sentiment":"neutral","sentiment_score":0.1405390202999115},{"word":"i'm","start":648.605,"end":648.76495,"confidence":0.71118164,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.09314968436956406},{"word":"like","start":648.76495,"end":649.08496,"confidence":0.9182129,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.10478124767541884},{"word":"oh","start":649.08496,"end":649.245,"confidence":0.3998413,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.1380683183670044},{"word":"yeah","start":649.245,"end":649.745,"confidence":0.93408203,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.14336064457893372},{"word":"and","start":650.605,"end":650.76495,"confidence":0.95410156,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10667377710342409},{"word":"then","start":650.76495,"end":651.08496,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1046091765165329},{"word":"i've","start":651.08496,"end":651.325,"confidence":0.9975586,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.07932862639427185},{"word":"got","start":651.325,"end":651.405,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.06852207332849503},{"word":"so","start":651.485,"end":651.725,"confidence":0.9970703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.08994145691394806},{"word":"i've","start":651.725,"end":651.885,"confidence":0.9980469,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.10583767294883728},{"word":"got","start":651.885,"end":652.125,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1296040117740631},{"word":"about","start":652.125,"end":652.365,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1122085303068161},{"word":"$7,800","start":652.365,"end":653.245,"confidence":0.98547363,"punctuated_word":"$7,800","sentiment":"neutral","sentiment_score":0.1593162715435028},{"word":"left","start":653.245,"end":653.485,"confidence":0.7739258,"punctuated_word":"left","sentiment":"neutral","sentiment_score":0.12971606850624084},{"word":"over","start":653.485,"end":653.725,"confidence":0.99902344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.11114541441202164},{"word":"each","start":653.725,"end":653.96497,"confidence":1.0,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.09714795649051666},{"word":"week","start":653.96497,"end":654.125,"confidence":0.9277344,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.07782547175884247},{"word":"and","start":654.125,"end":654.285,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08317948877811432},{"word":"when","start":654.285,"end":654.52496,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.04575685039162636},{"word":"you","start":654.52496,"end":654.605,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06555529683828354},{"word":"think","start":654.605,"end":654.845,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.03641575574874878},{"word":"about","start":654.845,"end":655.345,"confidence":0.94921875,"punctuated_word":"about,","sentiment":"neutral","sentiment_score":0.02634536474943161},{"word":"you","start":656.52,"end":656.68,"confidence":0.96240234,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05260474607348442},{"word":"know","start":656.68,"end":657.0,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.0498676523566246},{"word":"the","start":657.0,"end":657.16,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13250279426574707},{"word":"funds","start":657.16,"end":657.4,"confidence":0.9980469,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.151494562625885},{"word":"you","start":657.4,"end":657.48,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14183589816093445},{"word":"put","start":657.48,"end":657.64,"confidence":0.99609375,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.13946950435638428},{"word":"aside","start":657.64,"end":657.96,"confidence":1.0,"punctuated_word":"aside","sentiment":"neutral","sentiment_score":0.11670249700546265},{"word":"for","start":657.96,"end":658.2,"confidence":0.9277344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1375064253807068},{"word":"the","start":658.2,"end":658.36,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13535422086715698},{"word":"daily","start":658.36,"end":658.76,"confidence":0.99902344,"punctuated_word":"daily","sentiment":"neutral","sentiment_score":0.13391906023025513},{"word":"and","start":658.76,"end":658.92,"confidence":0.720459,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.09936115145683289},{"word":"you","start":658.92,"end":659.16,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12258301675319672},{"word":"you","start":659.16,"end":659.24,"confidence":0.8618164,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08032502979040146},{"word":"know","start":659.24,"end":659.48,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.0955716073513031},{"word":"just","start":659.48,"end":659.72,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1478375941514969},{"word":"your","start":659.72,"end":659.88,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.163959339261055},{"word":"regular","start":659.88,"end":660.27997,"confidence":1.0,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.11977870762348176},{"word":"bills","start":660.27997,"end":660.6,"confidence":1.0,"punctuated_word":"bills","sentiment":"neutral","sentiment_score":0.12543827295303345},{"word":"and","start":660.6,"end":660.68,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13660310208797455},{"word":"things","start":660.68,"end":660.92,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.1560400426387787},{"word":"like","start":660.92,"end":661.08,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.10552342981100082},{"word":"that","start":661.08,"end":661.58,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2171135246753693},{"word":"and","start":662.92,"end":663.24,"confidence":0.7709961,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14890168607234955},{"word":"groceries","start":663.24,"end":663.74,"confidence":0.72216797,"punctuated_word":"groceries,","sentiment":"neutral","sentiment_score":0.12611690163612366},{"word":"yeah","start":663.8,"end":664.12,"confidence":0.9680176,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.202474981546402},{"word":"i","start":664.12,"end":664.27997,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2937037944793701},{"word":"think","start":664.27997,"end":664.52,"confidence":0.74316406,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.3152662515640259},{"word":"i'm","start":664.52,"end":664.84,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.3050900101661682},{"word":"comfortably","start":664.84,"end":665.34,"confidence":0.9902344,"punctuated_word":"comfortably","sentiment":"neutral","sentiment_score":0.2468920350074768},{"word":"doing","start":666.36,"end":666.68,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.26417142152786255},{"word":"something","start":666.68,"end":667.0,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.28309231996536255},{"word":"with","start":667.0,"end":667.24,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.19866539537906647},{"word":"$400","start":667.24,"end":667.96,"confidence":1.0,"punctuated_word":"$400","sentiment":"neutral","sentiment_score":0.1803819835186005},{"word":"a","start":667.96,"end":668.04,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13844342529773712},{"word":"week","start":668.04,"end":668.2,"confidence":0.8835449,"punctuated_word":"week,","sentiment":"neutral","sentiment_score":0.1086784526705742},{"word":"whether","start":668.2,"end":668.52,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.06943947821855545},{"word":"it","start":668.52,"end":668.6,"confidence":0.9301758,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05743612349033356},{"word":"go","start":668.6,"end":668.76,"confidence":0.9790039,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.06340864300727844},{"word":"into","start":668.76,"end":669.08,"confidence":0.9970703,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.07786370813846588},{"word":"savings","start":669.08,"end":669.48,"confidence":1.0,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.060091134160757065},{"word":"or","start":669.48,"end":669.56,"confidence":0.9892578,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.06335615366697311},{"word":"whether","start":669.56,"end":669.88,"confidence":0.9980469,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.05446280911564827},{"word":"it","start":669.88,"end":669.96,"confidence":0.93847656,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06571868062019348},{"word":"go","start":669.96,"end":670.04,"confidence":0.9970703,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.04876956716179848},{"word":"you","start":670.2,"end":670.36,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04121297225356102},{"word":"know","start":670.36,"end":670.86,"confidence":0.8808594,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":0.07955332845449448},{"word":"it's","start":671.585,"end":671.745,"confidence":0.9946289,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.4548752009868622},{"word":"it's","start":671.745,"end":672.22504,"confidence":0.99658203,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.499784916639328},{"word":"annual","start":672.22504,"end":672.72504,"confidence":1.0,"punctuated_word":"annual","sentiment":"positive","sentiment_score":0.5156717896461487},{"word":"review","start":672.945,"end":673.34503,"confidence":1.0,"punctuated_word":"review","sentiment":"positive","sentiment_score":0.5144492387771606},{"word":"time","start":673.34503,"end":673.66504,"confidence":1.0,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.47497397661209106},{"word":"too","start":673.66504,"end":673.985,"confidence":0.8720703,"punctuated_word":"too,","sentiment":"positive","sentiment_score":0.4330970048904419},{"word":"so","start":673.985,"end":674.305,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.39881300926208496},{"word":"we've","start":674.305,"end":674.54504,"confidence":1.0,"punctuated_word":"we've","sentiment":"positive","sentiment_score":0.6321290731430054},{"word":"had","start":674.54504,"end":674.705,"confidence":1.0,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.6982461214065552},{"word":"a","start":674.705,"end":674.78503,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6673564314842224},{"word":"pretty","start":674.78503,"end":675.025,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.6627194285392761},{"word":"solid","start":675.025,"end":675.425,"confidence":1.0,"punctuated_word":"solid","sentiment":"positive","sentiment_score":0.6466696858406067},{"word":"year","start":675.425,"end":675.66504,"confidence":0.99902344,"punctuated_word":"year.","sentiment":"positive","sentiment_score":0.5763765573501587},{"word":"i'm","start":675.66504,"end":675.905,"confidence":1.0,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.6651177406311035},{"word":"expecting","start":675.905,"end":676.405,"confidence":1.0,"punctuated_word":"expecting","sentiment":"positive","sentiment_score":0.6794942617416382},{"word":"something","start":677.34503,"end":677.745,"confidence":0.9580078,"punctuated_word":"something","sentiment":"positive","sentiment_score":0.6758177280426025},{"word":"good","start":677.745,"end":678.065,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6318262219429016},{"word":"to","start":678.065,"end":678.145,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6339596509933472},{"word":"come","start":678.145,"end":678.385,"confidence":1.0,"punctuated_word":"come","sentiment":"positive","sentiment_score":0.62086021900177},{"word":"from","start":678.385,"end":678.54504,"confidence":1.0,"punctuated_word":"from","sentiment":"positive","sentiment_score":0.6438003778457642},{"word":"that","start":678.54504,"end":679.04504,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6808721423149109},{"word":"over","start":679.265,"end":679.505,"confidence":0.9819336,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.6415464878082275},{"word":"the","start":679.505,"end":679.66504,"confidence":0.9658203,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5813996195793152},{"word":"sort","start":679.66504,"end":679.825,"confidence":0.97509766,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.6808225512504578},{"word":"of","start":679.825,"end":679.985,"confidence":0.92089844,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.27582281827926636},{"word":"next","start":679.985,"end":680.22504,"confidence":0.9970703,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.2487051486968994},{"word":"couple","start":680.22504,"end":680.54504,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.2793990969657898},{"word":"of","start":680.54504,"end":680.705,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.279114305973053},{"word":"months","start":680.705,"end":681.025,"confidence":0.9824219,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":0.2561196982860565},{"word":"which","start":681.025,"end":681.265,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.1279643028974533},{"word":"is","start":681.265,"end":681.34503,"confidence":0.9560547,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11825917661190032},{"word":"which","start":681.425,"end":681.585,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.1545790731906891},{"word":"would","start":681.585,"end":681.745,"confidence":0.7368164,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.17498230934143066},{"word":"be","start":681.745,"end":681.905,"confidence":0.99902344,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.4503795802593231},{"word":"nice","start":681.905,"end":682.405,"confidence":1.0,"punctuated_word":"nice.","sentiment":"positive","sentiment_score":0.4068801999092102},{"word":"yeah","start":684.385,"end":684.625,"confidence":0.98168945,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1229618638753891},{"word":"but","start":684.625,"end":684.865,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.0828215554356575},{"word":"right","start":684.865,"end":685.10504,"confidence":0.9770508,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.07549209892749786},{"word":"now","start":685.10504,"end":685.60504,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.08632014691829681},{"word":"yeah","start":686.385,"end":686.625,"confidence":0.9851074,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.11221420764923096},{"word":"once","start":686.625,"end":687.0,"confidence":0.99316406,"punctuated_word":"Once","sentiment":"neutral","sentiment_score":0.24231433868408203},{"word":"while","start":687.32,"end":687.48,"confidence":0.99902344,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.06557941436767578},{"word":"this","start":687.48,"end":687.88,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.07945208996534348},{"word":"house","start":687.88,"end":688.04,"confidence":0.78515625,"punctuated_word":"house","sentiment":"neutral","sentiment_score":0.08584226667881012},{"word":"thing","start":688.04,"end":688.28,"confidence":0.9970703,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.05991463363170624},{"word":"is","start":688.28,"end":688.44,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05532125383615494},{"word":"happening","start":688.44,"end":688.94,"confidence":0.9975586,"punctuated_word":"happening,","sentiment":"neutral","sentiment_score":0.03157026320695877},{"word":"everything","start":689.0,"end":689.4,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.013436324894428251},{"word":"is","start":689.4,"end":689.64,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06259291619062424},{"word":"going","start":689.64,"end":689.88,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.08175501227378845},{"word":"into","start":689.88,"end":690.2,"confidence":1.0,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.0906498283147812},{"word":"it","start":690.2,"end":690.44,"confidence":0.93725586,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.067805714905262},{"word":"and","start":690.44,"end":690.94,"confidence":0.9243164,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":-0.013089361600577831},{"word":"yeah","start":691.32,"end":691.64,"confidence":0.99658203,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.03701028227806091},{"word":"i","start":691.64,"end":691.88,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06921453773975372},{"word":"i","start":691.88,"end":692.04,"confidence":0.8925781,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08655102550983429},{"word":"sorta","start":692.04,"end":692.36,"confidence":0.7492676,"punctuated_word":"sorta","sentiment":"neutral","sentiment_score":-0.10317275673151016},{"word":"walked","start":692.36,"end":692.68,"confidence":0.9941406,"punctuated_word":"walked","sentiment":"neutral","sentiment_score":-0.10773362219333649},{"word":"away","start":692.68,"end":693.08,"confidence":1.0,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.12803992629051208},{"word":"from","start":693.08,"end":693.56,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.1506771296262741},{"word":"where","start":693.56,"end":693.88,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.15523865818977356},{"word":"i","start":693.88,"end":693.96,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1284991353750229},{"word":"was","start":693.96,"end":694.46,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.11397320032119752},{"word":"with","start":696.68,"end":696.92,"confidence":0.93408203,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.17332345247268677},{"word":"a","start":696.92,"end":697.0,"confidence":0.77441406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1161051020026207},{"word":"bit","start":697.0,"end":697.1067,"confidence":0.5878906,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.07982268184423447},{"word":"i","start":697.2133,"end":697.32,"confidence":0.7631836,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11275754123926164},{"word":"don't","start":697.32,"end":697.82,"confidence":0.92456055,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1128118261694908},{"word":"know","start":698.04,"end":698.12,"confidence":0.8544922,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.06654571741819382},{"word":"$10.15","start":698.12,"end":698.92,"confidence":0.8778076,"punctuated_word":"$10.15","sentiment":"neutral","sentiment_score":-0.038552574813365936},{"word":"grand","start":698.92,"end":699.42,"confidence":0.9970703,"punctuated_word":"grand","sentiment":"neutral","sentiment_score":-0.0313788466155529},{"word":"and","start":699.48,"end":699.885,"confidence":0.8432617,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":-0.041287824511528015},{"word":"you","start":699.965,"end":700.125,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0392049252986908},{"word":"know","start":700.125,"end":700.28503,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.03281974419951439},{"word":"sort","start":700.28503,"end":700.365,"confidence":1.0,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.040773794054985046},{"word":"of","start":700.365,"end":700.605,"confidence":0.9658203,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04217952489852905},{"word":"setting","start":700.605,"end":700.925,"confidence":0.9980469,"punctuated_word":"setting","sentiment":"neutral","sentiment_score":-0.06148041784763336},{"word":"myself","start":700.925,"end":701.405,"confidence":1.0,"punctuated_word":"myself","sentiment":"neutral","sentiment_score":-0.05150815472006798},{"word":"up","start":701.405,"end":701.565,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.04798629507422447},{"word":"and","start":701.565,"end":701.805,"confidence":0.8989258,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04019561782479286},{"word":"then","start":701.805,"end":702.045,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.0267026387155056},{"word":"just","start":702.045,"end":702.545,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.030645210295915604},{"word":"trying","start":702.685,"end":703.085,"confidence":0.9741211,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.029904577881097794},{"word":"to","start":703.085,"end":703.16504,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02681994810700417},{"word":"keep","start":703.16504,"end":703.485,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.03547988831996918},{"word":"this","start":703.485,"end":703.985,"confidence":0.7541504,"punctuated_word":"this,","sentiment":"neutral","sentiment_score":-0.03734820336103439},{"word":"you","start":704.125,"end":704.28503,"confidence":0.93408203,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.033795908093452454},{"word":"know","start":704.28503,"end":704.525,"confidence":0.9941406,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.02947912365198135},{"word":"making","start":704.525,"end":704.84503,"confidence":0.9980469,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.023199327290058136},{"word":"these","start":704.84503,"end":705.005,"confidence":0.97802734,"punctuated_word":"these","sentiment":"neutral","sentiment_score":-0.014715928584337234},{"word":"house","start":705.005,"end":705.325,"confidence":0.99902344,"punctuated_word":"house","sentiment":"neutral","sentiment_score":-0.03450411185622215},{"word":"payments","start":705.325,"end":705.72504,"confidence":0.9848633,"punctuated_word":"payments,","sentiment":"neutral","sentiment_score":-0.0346909761428833},{"word":"which","start":705.72504,"end":705.965,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.031142879277467728},{"word":"is","start":705.965,"end":706.045,"confidence":0.85375977,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":-0.02220718190073967},{"word":"like","start":706.045,"end":706.28503,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.018855314701795575},{"word":"2","start":706.28503,"end":706.445,"confidence":1.0,"punctuated_word":"2","sentiment":"neutral","sentiment_score":-0.023882068693637848},{"word":"and","start":706.445,"end":706.525,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02369697578251362},{"word":"a","start":706.525,"end":706.605,"confidence":0.9506836,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.026053760200738907},{"word":"half","start":706.605,"end":706.765,"confidence":1.0,"punctuated_word":"half","sentiment":"neutral","sentiment_score":-0.014580188319087029},{"word":"grand","start":706.765,"end":707.005,"confidence":0.99902344,"punctuated_word":"grand","sentiment":"neutral","sentiment_score":-0.025994231924414635},{"word":"a","start":707.005,"end":707.085,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03601229935884476},{"word":"month","start":707.085,"end":707.585,"confidence":0.8017578,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":-0.04132110998034477},{"word":"it's","start":708.045,"end":708.365,"confidence":0.90185547,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.05178172513842583},{"word":"just","start":708.365,"end":708.605,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1089017391204834},{"word":"knocked","start":708.605,"end":708.84503,"confidence":0.83251953,"punctuated_word":"knocked","sentiment":"neutral","sentiment_score":-0.11671200394630432},{"word":"me","start":708.84503,"end":709.005,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.1558437943458557},{"word":"down","start":709.005,"end":709.16504,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.14142540097236633},{"word":"a","start":709.16504,"end":709.325,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.17524370551109314},{"word":"few","start":709.325,"end":709.565,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.162434920668602},{"word":"pegs","start":709.565,"end":709.885,"confidence":0.98372394,"punctuated_word":"pegs.","sentiment":"neutral","sentiment_score":-0.11994536221027374},{"word":"so","start":709.885,"end":710.385,"confidence":0.99121094,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.07467090338468552},{"word":"right","start":710.765,"end":710.925,"confidence":0.94140625,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.07070755958557129},{"word":"now","start":710.925,"end":711.405,"confidence":0.9975586,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":-0.11929637938737868},{"word":"yeah","start":711.405,"end":711.645,"confidence":0.99658203,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.12701988220214844},{"word":"the","start":711.645,"end":711.805,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2126132696866989},{"word":"savings","start":711.805,"end":712.305,"confidence":1.0,"punctuated_word":"savings","sentiment":"negative","sentiment_score":-0.3664894700050354},{"word":"are","start":712.365,"end":712.83,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.2678629755973816},{"word":"null","start":713.31,"end":713.63,"confidence":0.94384766,"punctuated_word":"null","sentiment":"neutral","sentiment_score":-0.2668880224227905},{"word":"and","start":713.63,"end":713.79004,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.27113956212997437},{"word":"void","start":713.79004,"end":714.29004,"confidence":0.8000488,"punctuated_word":"void.","sentiment":"neutral","sentiment_score":-0.24409005045890808},{"word":"but","start":714.35004,"end":714.85004,"confidence":0.9003906,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.06711530685424805},{"word":"yeah","start":715.87,"end":716.27,"confidence":0.77905273,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.04223756492137909},{"word":"it's","start":716.27,"end":716.77,"confidence":0.8623047,"punctuated_word":"it's,","sentiment":"neutral","sentiment_score":-0.034014273434877396},{"word":"you","start":716.91003,"end":717.41003,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03341830521821976},{"word":"know","start":717.79004,"end":717.87,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.03830893710255623},{"word":"yeah","start":718.11005,"end":718.61005,"confidence":0.97387695,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.029755180701613423},{"word":"greenier","start":718.75,"end":719.25,"confidence":0.55566406,"punctuated_word":"Greenier","sentiment":"neutral","sentiment_score":-0.04353074729442597},{"word":"past","start":719.31,"end":719.55,"confidence":0.90771484,"punctuated_word":"past","sentiment":"neutral","sentiment_score":-0.05418172851204872},{"word":"greeny","start":719.63,"end":719.95,"confidence":0.66625977,"punctuated_word":"greeny","sentiment":"neutral","sentiment_score":-0.032601408660411835},{"word":"pastures","start":719.95,"end":720.35004,"confidence":0.951416,"punctuated_word":"pastures","sentiment":"neutral","sentiment_score":-0.04353870078921318},{"word":"are","start":720.35004,"end":720.51,"confidence":0.99609375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.047641571611166},{"word":"coming","start":720.51,"end":720.83,"confidence":0.9733887,"punctuated_word":"coming.","sentiment":"neutral","sentiment_score":-0.05507073923945427},{"word":"you","start":720.83,"end":720.99,"confidence":0.7734375,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.030043918639421463},{"word":"know","start":720.99,"end":721.49,"confidence":0.9555664,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":-0.007801376283168793},{"word":"yeah","start":737.245,"end":737.645,"confidence":0.8395996,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.003809205256402493},{"word":"and","start":737.645,"end":737.805,"confidence":0.9404297,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.006640153005719185},{"word":"that's","start":737.805,"end":738.125,"confidence":0.9980469,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.009763318113982676},{"word":"been","start":738.125,"end":738.625,"confidence":0.6064453,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.009204933419823648},{"word":"you","start":738.84503,"end":739.005,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.018083645030856133},{"word":"know","start":739.005,"end":739.44,"confidence":0.7459717,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":-0.01802133023738861},{"word":"yeah","start":741.2,"end":741.6,"confidence":0.98950195,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.041669413447380066},{"word":"that","start":741.6,"end":741.76,"confidence":0.69091797,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.07233545184135437},{"word":"that'll","start":741.92,"end":742.24,"confidence":0.9111328,"punctuated_word":"that'll","sentiment":"neutral","sentiment_score":-0.07706130295991898},{"word":"do","start":742.24,"end":742.48,"confidence":0.93725586,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":-0.08211040496826172},{"word":"like","start":742.48,"end":742.72003,"confidence":0.8144531,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.11691448837518692},{"word":"i","start":742.72003,"end":742.88,"confidence":0.97509766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12713447213172913},{"word":"mean","start":742.88,"end":743.2,"confidence":0.88964844,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.11645673215389252},{"word":"i","start":743.2,"end":743.28,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.19125550985336304},{"word":"don't","start":743.28,"end":743.6,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.17365656793117523},{"word":"have","start":743.6,"end":743.76,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.2150723338127136},{"word":"much","start":743.76,"end":744.0,"confidence":0.99316406,"punctuated_word":"much.","sentiment":"neutral","sentiment_score":-0.16886906325817108},{"word":"i'm","start":744.0,"end":744.24,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.18442437052726743},{"word":"not","start":744.24,"end":744.4,"confidence":0.9970703,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1914922297000885},{"word":"a","start":744.4,"end":744.56,"confidence":0.8491211,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.21840302646160129},{"word":"a","start":744.56,"end":744.72003,"confidence":0.4321289,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2010606825351715},{"word":"heaps","start":744.72003,"end":745.04,"confidence":0.8935547,"punctuated_word":"heaps","sentiment":"neutral","sentiment_score":-0.2264072746038437},{"word":"of","start":745.04,"end":745.2,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2231713831424713},{"word":"stuff","start":745.2,"end":745.44,"confidence":0.96777344,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":-0.19201822578907013},{"word":"that","start":745.44,"end":745.68,"confidence":0.49414062,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1672748178243637},{"word":"it's","start":745.68,"end":746.0,"confidence":0.5120239,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.1708296537399292},{"word":"happening","start":746.0,"end":746.5,"confidence":0.58880615,"punctuated_word":"happening.","sentiment":"neutral","sentiment_score":-0.16685456037521362},{"word":"i","start":746.72003,"end":746.88,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.23676292598247528},{"word":"don't","start":746.88,"end":747.12,"confidence":0.99658203,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1878625750541687},{"word":"have","start":747.12,"end":747.36,"confidence":0.99609375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.21181240677833557},{"word":"much","start":747.36,"end":747.68,"confidence":0.9355469,"punctuated_word":"much.","sentiment":"neutral","sentiment_score":-0.16630807518959043},{"word":"yeah","start":747.68,"end":748.18,"confidence":0.93652344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04614837467670441},{"word":"so","start":748.96,"end":749.2,"confidence":0.96972656,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03953539580106735},{"word":"that","start":749.2,"end":749.36,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04380055516958237},{"word":"should","start":749.36,"end":749.6,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.04106733947992325},{"word":"cover","start":749.6,"end":749.84,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.012184321880340576},{"word":"it","start":749.84,"end":750.34,"confidence":0.9838867,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.009930234402418137},{"word":"yes","start":765.14,"end":765.54,"confidence":0.70251465,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.01583440788090229},{"word":"so","start":765.54,"end":765.86,"confidence":0.71765137,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.009153706952929497},{"word":"look","start":765.86,"end":766.10004,"confidence":0.97265625,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.007194193080067635},{"word":"that's","start":766.10004,"end":766.34,"confidence":0.99609375,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.006605404894798994},{"word":"3","start":766.34,"end":766.66003,"confidence":0.99902344,"punctuated_word":"3","sentiment":"neutral","sentiment_score":0.005475942045450211},{"word":"50","start":766.66003,"end":766.98,"confidence":1.0,"punctuated_word":"50","sentiment":"neutral","sentiment_score":0.0052788942120969296},{"word":"a","start":766.98,"end":767.06,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.006814904510974884},{"word":"week","start":767.06,"end":767.22003,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.006901381071656942},{"word":"that","start":767.22003,"end":767.46,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0061662220396101475},{"word":"i","start":767.46,"end":767.54,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.006337751634418964},{"word":"said","start":767.54,"end":767.78,"confidence":0.93603516,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.0035756207071244717},{"word":"is","start":767.78,"end":767.94,"confidence":0.9375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.002266806084662676},{"word":"maintenance","start":767.94,"end":768.44,"confidence":0.9555664,"punctuated_word":"maintenance.","sentiment":"neutral","sentiment_score":0.004227510653436184},{"word":"so","start":768.5,"end":768.82,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.004432362038642168},{"word":"$50","start":768.82,"end":769.38,"confidence":0.9995117,"punctuated_word":"$50","sentiment":"neutral","sentiment_score":0.007414254359900951},{"word":"a","start":769.38,"end":769.46,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.017334964126348495},{"word":"week","start":769.46,"end":769.86,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.02208741009235382},{"word":"from","start":769.86,"end":770.10004,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.024367576465010643},{"word":"that","start":770.10004,"end":770.42,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.020206402987241745},{"word":"is","start":770.42,"end":770.66003,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.01259040366858244},{"word":"basically","start":770.66003,"end":771.16003,"confidence":0.9892578,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.011579176411032677},{"word":"going","start":771.22003,"end":771.7,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.02300274930894375},{"word":"into","start":771.7,"end":772.2,"confidence":1.0,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.01941286399960518},{"word":"what","start":772.34,"end":772.58,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.014483812265098097},{"word":"is","start":772.58,"end":772.74,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.004243606701493263},{"word":"remaining","start":772.74,"end":773.22003,"confidence":1.0,"punctuated_word":"remaining","sentiment":"neutral","sentiment_score":0.0023915786296129227},{"word":"on","start":773.22003,"end":773.38,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.015380609780550005},{"word":"that","start":773.38,"end":773.86,"confidence":0.6706543,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.0114107895642519},{"word":"so","start":773.86,"end":774.18,"confidence":0.9536133,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.010832058265805244},{"word":"it","start":774.18,"end":774.34,"confidence":0.9892578,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.014189587906002998},{"word":"wasn't","start":774.34,"end":774.66003,"confidence":0.96240234,"punctuated_word":"wasn't","sentiment":"neutral","sentiment_score":0.010504613630473614},{"word":"about","start":774.66003,"end":775.06,"confidence":0.9873047,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.006381724029779434},{"word":"10","start":775.06,"end":775.3,"confidence":0.99609375,"punctuated_word":"10","sentiment":"neutral","sentiment_score":0.008778894320130348},{"word":"k","start":775.3,"end":775.8,"confidence":0.86816406,"punctuated_word":"k,","sentiment":"neutral","sentiment_score":0.005779564380645752},{"word":"and","start":775.86,"end":776.36,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0016733743250370026},{"word":"now","start":777.22003,"end":777.46,"confidence":0.8408203,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.008541380055248737},{"word":"it's","start":777.46,"end":777.62,"confidence":0.8696289,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.011487486772239208},{"word":"at","start":777.62,"end":777.78,"confidence":0.6225586,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.01197761297225952},{"word":"about","start":777.78,"end":778.18,"confidence":0.9921875,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.013840410858392715},{"word":"$8.08","start":778.18,"end":778.82,"confidence":0.93066406,"punctuated_word":"$8.08","sentiment":"neutral","sentiment_score":0.010190354660153387},{"word":"k","start":778.82,"end":779.06,"confidence":0.9272461,"punctuated_word":"k.","sentiment":"neutral","sentiment_score":0.00931113213300705},{"word":"and","start":779.06,"end":779.445,"confidence":0.94970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.011252682656049728},{"word":"em","start":779.685,"end":779.925,"confidence":0.85791016,"punctuated_word":"Em,","sentiment":"neutral","sentiment_score":0.0116075798869133},{"word":"who's","start":779.925,"end":780.165,"confidence":0.9628906,"punctuated_word":"who's","sentiment":"neutral","sentiment_score":0.00952749978750944},{"word":"the","start":780.165,"end":780.325,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.010686561465263368},{"word":"kid's","start":780.325,"end":780.565,"confidence":0.94970703,"punctuated_word":"kid's","sentiment":"neutral","sentiment_score":0.006781944539397955},{"word":"mother","start":780.565,"end":780.965,"confidence":0.9980469,"punctuated_word":"mother,","sentiment":"neutral","sentiment_score":0.007470387034118176},{"word":"she's","start":780.965,"end":781.125,"confidence":1.0,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":-0.0007632027263753116},{"word":"basically","start":781.125,"end":781.605,"confidence":0.9970703,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.00008653104305267334},{"word":"just","start":781.605,"end":781.84503,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0004759840667247772},{"word":"putting","start":781.84503,"end":782.34503,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.0020291954278945923},{"word":"feeding","start":782.885,"end":783.28503,"confidence":0.99121094,"punctuated_word":"feeding","sentiment":"neutral","sentiment_score":0.001322466880083084},{"word":"into","start":783.28503,"end":783.525,"confidence":1.0,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.0033539030700922012},{"word":"that","start":783.525,"end":783.925,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.004197770729660988},{"word":"loan","start":783.925,"end":784.425,"confidence":0.69592285,"punctuated_word":"loan,","sentiment":"neutral","sentiment_score":0.0028404099866747856},{"word":"you","start":784.485,"end":784.645,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00234275683760643},{"word":"know","start":784.645,"end":785.145,"confidence":0.9909668,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.0004094112664461136},{"word":"with","start":787.365,"end":787.605,"confidence":0.9716797,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.004142306745052338},{"word":"that","start":787.605,"end":788.005,"confidence":0.99609375,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.006654755212366581},{"word":"so","start":788.005,"end":788.505,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.004683874547481537},{"word":"yeah","start":789.84503,"end":790.165,"confidence":0.9946289,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.008079936727881432},{"word":"so","start":790.165,"end":790.325,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.00560890045017004},{"word":"there's","start":790.325,"end":790.645,"confidence":0.9926758,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.008305145427584648},{"word":"about","start":790.645,"end":790.885,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.008719561621546745},{"word":"$8","start":790.885,"end":791.28503,"confidence":0.99902344,"punctuated_word":"$8","sentiment":"neutral","sentiment_score":0.008619844913482666},{"word":"there","start":791.28503,"end":791.445,"confidence":0.97314453,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.0013698292896151545},{"word":"and","start":791.445,"end":791.685,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.003111572004854679},{"word":"look","start":791.685,"end":791.84503,"confidence":0.4104004,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":0.0030669416300952435},{"word":"what","start":791.84503,"end":792.005,"confidence":0.609375,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.002637125551700592},{"word":"i","start":792.165,"end":792.325,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0037005655467510223},{"word":"guess","start":792.325,"end":792.805,"confidence":1.0,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":0.0027679763734340668},{"word":"to","start":792.805,"end":792.965,"confidence":0.5058594,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0007305145263671875},{"word":"clear","start":792.965,"end":793.28503,"confidence":1.0,"punctuated_word":"clear","sentiment":"neutral","sentiment_score":0.004256686195731163},{"word":"that","start":793.28503,"end":793.78503,"confidence":0.78881836,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.0046304743736982346},{"word":"basically","start":794.165,"end":794.665,"confidence":0.98950195,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":-0.003113991115242243},{"word":"once","start":794.805,"end":795.125,"confidence":1.0,"punctuated_word":"once","sentiment":"neutral","sentiment_score":-0.0006389748305082321},{"word":"this","start":795.125,"end":795.42,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.003208942711353302},{"word":"house","start":795.57996,"end":795.89996,"confidence":0.9951172,"punctuated_word":"house","sentiment":"neutral","sentiment_score":0.015742484480142593},{"word":"gets","start":795.89996,"end":796.13995,"confidence":0.99316406,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.0023131296038627625},{"word":"settled","start":796.13995,"end":796.54,"confidence":1.0,"punctuated_word":"settled","sentiment":"neutral","sentiment_score":0.00975034013390541},{"word":"and","start":796.54,"end":796.86,"confidence":0.94189453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.00462527759373188},{"word":"i","start":796.86,"end":797.01996,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.000865589827299118},{"word":"get","start":797.01996,"end":797.26,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.009434882551431656},{"word":"my","start":797.26,"end":797.57996,"confidence":0.9980469,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.015054011717438698},{"word":"half","start":797.57996,"end":798.07996,"confidence":0.81152344,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.012644456699490547},{"word":"from","start":798.54,"end":799.04,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.014797665178775787},{"word":"the","start":799.33997,"end":799.57996,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.007317529991269112},{"word":"from","start":799.57996,"end":799.82,"confidence":0.7597656,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.017169741913676262},{"word":"the","start":799.82,"end":800.06,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0049384888261556625},{"word":"sale","start":800.06,"end":800.56,"confidence":0.8161621,"punctuated_word":"sale,","sentiment":"neutral","sentiment_score":0.00615162868052721},{"word":"i","start":800.62,"end":800.7,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.002554727718234062},{"word":"think","start":800.7,"end":800.82,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.004718640819191933},{"word":"because","start":800.94,"end":801.1,"confidence":0.99609375,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.00264186505228281},{"word":"we've","start":801.1,"end":801.42,"confidence":0.9797363,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.004038245417177677},{"word":"we've","start":801.42,"end":801.74,"confidence":0.98339844,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.0018192874267697336},{"word":"we're","start":801.82,"end":801.98,"confidence":0.8796387,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.0030366904102265835},{"word":"selling","start":801.98,"end":802.38,"confidence":0.9770508,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":0.0009528454393148422},{"word":"it","start":802.38,"end":802.45996,"confidence":0.98535156,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0024264324456453323},{"word":"for","start":802.45996,"end":802.62,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0007847845554351807},{"word":"$9.00","start":802.62,"end":803.1,"confidence":0.9946289,"punctuated_word":"$9.00","sentiment":"neutral","sentiment_score":0.00038128718733787537},{"word":"5","start":803.1,"end":803.33997,"confidence":0.9719238,"punctuated_word":"5.","sentiment":"neutral","sentiment_score":-0.00451823603361845},{"word":"it","start":803.33997,"end":803.42,"confidence":0.99902344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.00898189190775156},{"word":"costs","start":803.42,"end":803.74,"confidence":0.5229492,"punctuated_word":"costs","sentiment":"neutral","sentiment_score":0.0005763731896877289},{"word":"us","start":803.74,"end":803.89996,"confidence":0.9316406,"punctuated_word":"us,","sentiment":"neutral","sentiment_score":-0.00967686902731657},{"word":"like","start":803.89996,"end":804.13995,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.009743619710206984},{"word":"$8.14","start":804.13995,"end":804.8,"confidence":0.99853516,"punctuated_word":"$8.14.","sentiment":"neutral","sentiment_score":-0.009365411475300787},{"word":"we've","start":806.22,"end":806.7,"confidence":0.9350586,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":-0.0057846917770802975},{"word":"already","start":806.7,"end":807.18,"confidence":0.99902344,"punctuated_word":"already","sentiment":"neutral","sentiment_score":-0.001387074589729309},{"word":"pumped","start":807.18,"end":807.435,"confidence":0.97387695,"punctuated_word":"pumped,","sentiment":"neutral","sentiment_score":0.002636448945850134},{"word":"you","start":807.595,"end":807.675,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01074378751218319},{"word":"know","start":807.675,"end":807.835,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.010327652096748352},{"word":"a","start":807.835,"end":807.915,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0005398821085691452},{"word":"whole","start":807.915,"end":808.235,"confidence":1.0,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":-0.013728421181440352},{"word":"bunch","start":808.235,"end":808.395,"confidence":1.0,"punctuated_word":"bunch","sentiment":"neutral","sentiment_score":-0.0011077448725700378},{"word":"of","start":808.395,"end":808.555,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0031037181615829468},{"word":"money","start":808.555,"end":808.875,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.011428683996200562},{"word":"into","start":808.875,"end":809.275,"confidence":0.86035156,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.0011539123952388763},{"word":"it","start":809.275,"end":809.595,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.00005344487726688385},{"word":"just","start":809.595,"end":809.835,"confidence":0.88964844,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0009048730134963988},{"word":"to","start":809.835,"end":810.15497,"confidence":0.98950195,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":-0.0004989374428987503},{"word":"you","start":810.15497,"end":810.395,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.006763588637113571},{"word":"know","start":810.395,"end":810.635,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.004129599779844284},{"word":"to","start":810.635,"end":810.795,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0022554509341716766},{"word":"cover","start":810.795,"end":811.295,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.005842287093400955},{"word":"repayments","start":811.435,"end":811.935,"confidence":0.99853516,"punctuated_word":"repayments","sentiment":"neutral","sentiment_score":-0.0029986854642629623},{"word":"and","start":811.995,"end":812.15497,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.01405265275388956},{"word":"stuff","start":812.15497,"end":812.65497,"confidence":0.99658203,"punctuated_word":"stuff.","sentiment":"neutral","sentiment_score":-0.008586268872022629},{"word":"so","start":813.755,"end":814.235,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.012009194120764732},{"word":"i","start":814.235,"end":814.315,"confidence":0.8408203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.004389612004160881},{"word":"don't","start":814.315,"end":814.555,"confidence":0.92993164,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.005736593157052994},{"word":"know","start":814.555,"end":814.715,"confidence":0.98535156,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.020051755011081696},{"word":"i","start":814.715,"end":814.795,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.019099781289696693},{"word":"think","start":814.795,"end":814.955,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.01627027615904808},{"word":"maybe","start":814.955,"end":815.275,"confidence":0.984375,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.01909792050719261},{"word":"between","start":815.275,"end":815.595,"confidence":0.9941406,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.02275015041232109},{"word":"us","start":815.595,"end":815.755,"confidence":0.8952637,"punctuated_word":"us,","sentiment":"neutral","sentiment_score":-0.01643780618906021},{"word":"we're","start":815.755,"end":815.995,"confidence":0.829834,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.00974095519632101},{"word":"look","start":815.995,"end":816.235,"confidence":0.49365234,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.0018363818526268003},{"word":"maybe","start":816.635,"end":816.795,"confidence":0.9289551,"punctuated_word":"maybe,","sentiment":"neutral","sentiment_score":-0.008613391779363155},{"word":"i","start":816.795,"end":816.875,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.009974440559744837},{"word":"don't","start":816.875,"end":817.115,"confidence":0.9980469,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.016884000971913338},{"word":"know","start":817.115,"end":817.595,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.012917295098304749},{"word":"$80","start":817.595,"end":818.235,"confidence":0.9289551,"punctuated_word":"$80,","sentiment":"neutral","sentiment_score":-0.007630624808371067},{"word":"and","start":818.235,"end":818.475,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.007422275841236115},{"word":"then","start":818.475,"end":818.635,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0009646452963352204},{"word":"we","start":818.635,"end":818.795,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.004285383969545364},{"word":"split","start":818.795,"end":819.115,"confidence":1.0,"punctuated_word":"split","sentiment":"neutral","sentiment_score":-0.008831582963466644},{"word":"that","start":819.115,"end":819.515,"confidence":0.95581055,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.017728183418512344},{"word":"and","start":819.515,"end":819.835,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.004875222221016884},{"word":"then","start":819.835,"end":820.075,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.004341041669249535},{"word":"i've","start":820.075,"end":820.15497,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.0024948581121861935},{"word":"got","start":820.15497,"end":820.315,"confidence":0.515625,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.0025416314601898193},{"word":"to","start":820.315,"end":820.475,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.004318539053201675},{"word":"think","start":820.475,"end":820.715,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.008453227579593658},{"word":"of","start":820.715,"end":820.795,"confidence":0.9902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.009793777018785477},{"word":"the","start":820.795,"end":820.955,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0024396851658821106},{"word":"capital","start":820.955,"end":821.355,"confidence":1.0,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.026575686410069466},{"word":"gains","start":821.355,"end":821.595,"confidence":0.9655762,"punctuated_word":"gains,","sentiment":"neutral","sentiment_score":-0.006569775752723217},{"word":"and","start":821.595,"end":821.835,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.00790240429341793},{"word":"i've","start":821.835,"end":821.995,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.0032319172751158476},{"word":"got","start":821.995,"end":822.235,"confidence":0.671875,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.0036670267581939697},{"word":"to","start":822.235,"end":822.315,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0036504194140434265},{"word":"pay","start":822.315,"end":822.475,"confidence":1.0,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.008826404809951782},{"word":"that","start":822.475,"end":822.635,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.002851136028766632},{"word":"money","start":822.635,"end":822.875,"confidence":0.99902344,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.005256369709968567},{"word":"back","start":822.875,"end":823.2,"confidence":0.99316406,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.00232076644897461},{"word":"i","start":823.28,"end":823.44,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0092882439494133},{"word":"wanna","start":823.44,"end":823.56,"confidence":0.48950195,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.0025893617421388626},{"word":"like","start":823.68,"end":823.92,"confidence":0.88964844,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.006275162100791931},{"word":"i","start":823.92,"end":824.16003,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0018763989210128784},{"word":"i","start":824.16003,"end":824.32,"confidence":0.8959961,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.006051048636436462},{"word":"just","start":824.32,"end":824.48004,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.005294501781463623},{"word":"want","start":824.48004,"end":824.72003,"confidence":0.99316406,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.008219532668590546},{"word":"to","start":824.72003,"end":824.8,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.000883881002664566},{"word":"be","start":824.8,"end":824.96,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.0011044144630432129},{"word":"completely","start":824.96,"end":825.46,"confidence":1.0,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":0.007237233221530914},{"word":"clear","start":825.52,"end":826.02,"confidence":1.0,"punctuated_word":"clear","sentiment":"neutral","sentiment_score":0.005347643047571182},{"word":"by","start":826.08,"end":826.16003,"confidence":0.87841797,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.013921454548835754},{"word":"the","start":826.16003,"end":826.32,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.010151349008083344},{"word":"time","start":826.32,"end":826.82,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.005975094623863697},{"word":"this","start":827.92,"end":828.08,"confidence":0.8183594,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0323551669716835},{"word":"thing's","start":828.08,"end":828.4,"confidence":0.9855957,"punctuated_word":"thing's","sentiment":"neutral","sentiment_score":0.026477370411157608},{"word":"finished","start":828.4,"end":828.9,"confidence":0.9880371,"punctuated_word":"finished.","sentiment":"neutral","sentiment_score":0.028026463463902473},{"word":"so","start":828.96,"end":829.46,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.023074883967638016},{"word":"i","start":829.60004,"end":829.84,"confidence":0.9277344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.030827589333057404},{"word":"i'm","start":829.92,"end":830.0,"confidence":0.94189453,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.028219766914844513},{"word":"yeah","start":830.16003,"end":830.48004,"confidence":0.9951172,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.012131725437939169},{"word":"not","start":830.48004,"end":830.72003,"confidence":0.95410156,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.028836851939558983},{"word":"sure","start":830.72003,"end":830.96,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.03300238773226738},{"word":"what","start":830.96,"end":831.04004,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.029132355004549023},{"word":"i'm","start":831.04004,"end":831.2,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.007138109765946865},{"word":"gonna","start":831.2,"end":831.44,"confidence":0.99609375,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.0008892528712749481},{"word":"have","start":831.44,"end":831.60004,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02009464055299759},{"word":"left","start":831.60004,"end":831.84,"confidence":0.8774414,"punctuated_word":"left","sentiment":"neutral","sentiment_score":-0.010365895926952362},{"word":"over","start":831.84,"end":832.08,"confidence":0.9980469,"punctuated_word":"over,","sentiment":"neutral","sentiment_score":-0.005804451182484627},{"word":"but","start":832.08,"end":832.4,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.002970706671476364},{"word":"i","start":832.4,"end":832.56,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.016632020473480225},{"word":"will","start":832.56,"end":832.8,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.02369055151939392},{"word":"be","start":832.8,"end":833.28,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.053872060030698776},{"word":"at","start":833.28,"end":833.44,"confidence":0.9199219,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.017132468521595},{"word":"least","start":833.44,"end":833.92,"confidence":1.0,"punctuated_word":"least","sentiment":"neutral","sentiment_score":0.015382770448923113},{"word":"debt","start":833.92,"end":834.24,"confidence":0.99609375,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":-0.006657984107732773},{"word":"free","start":834.24,"end":834.74,"confidence":0.9941406,"punctuated_word":"free.","sentiment":"neutral","sentiment_score":0.012755705043673515},{"word":"so","start":834.8,"end":835.3,"confidence":0.9770508,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04595449194312096},{"word":"that's","start":850.91003,"end":851.15,"confidence":0.84643555,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.004769021179527044},{"word":"right","start":851.15,"end":851.31,"confidence":0.94628906,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.013853196054697037},{"word":"yeah","start":851.31,"end":851.79004,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08052580058574677},{"word":"i'm","start":851.79004,"end":852.29004,"confidence":0.99853516,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.12570443749427795},{"word":"i'm","start":852.51,"end":852.59,"confidence":0.99194336,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.24270150065422055},{"word":"i'm","start":852.59,"end":852.75,"confidence":0.97021484,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.33348673582077026},{"word":"looking","start":852.75,"end":853.07,"confidence":1.0,"punctuated_word":"looking","sentiment":"positive","sentiment_score":0.36216163635253906},{"word":"forward","start":853.07,"end":853.39,"confidence":1.0,"punctuated_word":"forward","sentiment":"positive","sentiment_score":0.3730940520763397},{"word":"to","start":853.39,"end":853.47003,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3779522180557251},{"word":"it","start":853.47003,"end":853.79004,"confidence":0.98706055,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.2925242483615875},{"word":"yeah","start":853.79004,"end":854.29004,"confidence":0.8635254,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1782556027173996},{"word":"no","start":868.44495,"end":868.94495,"confidence":0.98339844,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.04579932242631912},{"word":"no","start":875.96497,"end":876.45,"confidence":0.99853516,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0527820810675621},{"word":"we","start":889.195,"end":889.595,"confidence":0.40771484,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-8.948147296905518e-6},{"word":"were","start":889.595,"end":889.83496,"confidence":0.99609375,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.0363147109746933},{"word":"going","start":889.83496,"end":890.15497,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.0533842071890831},{"word":"through","start":890.15497,"end":890.39496,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.04942189902067184},{"word":"that","start":890.39496,"end":890.71497,"confidence":0.9890137,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.0348551981151104},{"word":"we","start":890.71497,"end":890.875,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.03406215459108353},{"word":"were","start":890.875,"end":891.115,"confidence":1.0,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.03655535727739334},{"word":"talking","start":891.115,"end":891.51495,"confidence":0.9980469,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":-0.001026548445224762},{"word":"about","start":891.51495,"end":891.83496,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.04790380597114563},{"word":"that","start":891.83496,"end":891.995,"confidence":0.9147949,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.03115358203649521},{"word":"and","start":891.995,"end":892.235,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.024286627769470215},{"word":"then","start":892.235,"end":892.475,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.003864973783493042},{"word":"everything","start":892.475,"end":892.95496,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.06120990216732025},{"word":"sorta","start":892.95496,"end":893.27496,"confidence":0.7531738,"punctuated_word":"sorta","sentiment":"neutral","sentiment_score":-0.10259024053812028},{"word":"changed","start":893.27496,"end":893.675,"confidence":0.984375,"punctuated_word":"changed.","sentiment":"neutral","sentiment_score":-0.020105987787246704},{"word":"but","start":893.675,"end":893.915,"confidence":0.7729492,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.016540616750717163},{"word":"yeah","start":893.915,"end":894.15497,"confidence":0.9716797,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.007479038089513779},{"word":"look","start":894.15497,"end":894.635,"confidence":0.72680664,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":-0.0054855383932590485},{"word":"you","start":894.635,"end":894.795,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.005597256124019623},{"word":"know","start":894.795,"end":894.95496,"confidence":0.9980469,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.01059318706393242},{"word":"the","start":894.95496,"end":895.115,"confidence":0.9790039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03370098024606705},{"word":"thoughts","start":895.115,"end":895.435,"confidence":0.7973633,"punctuated_word":"thoughts","sentiment":"neutral","sentiment_score":-0.020319484174251556},{"word":"in","start":895.435,"end":895.595,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.053678959608078},{"word":"the","start":895.595,"end":895.675,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05405160039663315},{"word":"back","start":895.675,"end":895.915,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.005142301321029663},{"word":"of","start":895.915,"end":895.995,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07558497786521912},{"word":"my","start":895.995,"end":896.235,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.017786964774131775},{"word":"mind","start":896.235,"end":896.735,"confidence":0.9440918,"punctuated_word":"mind,","sentiment":"neutral","sentiment_score":-0.017090585082769394},{"word":"it","start":897.435,"end":897.675,"confidence":0.73779297,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04247236251831055},{"word":"always","start":897.675,"end":897.995,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.05521512031555176},{"word":"is","start":897.995,"end":898.15497,"confidence":0.88549805,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.0288870669901371},{"word":"and","start":898.15497,"end":898.39496,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.06938694417476654},{"word":"i","start":898.39496,"end":898.555,"confidence":0.89501953,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13630324602127075},{"word":"think","start":898.555,"end":898.795,"confidence":0.5571289,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.13309501111507416},{"word":"for","start":898.795,"end":898.95496,"confidence":0.8198242,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.17336058616638184},{"word":"the","start":898.95496,"end":899.115,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.14056962728500366},{"word":"most","start":899.115,"end":899.27496,"confidence":1.0,"punctuated_word":"most","sentiment":"neutral","sentiment_score":-0.14430904388427734},{"word":"part","start":899.27496,"end":899.51495,"confidence":0.9838867,"punctuated_word":"part,","sentiment":"neutral","sentiment_score":-0.12483903765678406},{"word":"the","start":899.51495,"end":899.595,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13527806103229523},{"word":"reason","start":899.595,"end":899.83496,"confidence":1.0,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":-0.18281827867031095},{"word":"i'm","start":899.83496,"end":899.995,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.1603216528892517},{"word":"thinking","start":899.995,"end":900.315,"confidence":1.0,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":-0.11486726999282836},{"word":"about","start":900.315,"end":900.555,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.1751076728105545},{"word":"it","start":900.555,"end":900.71497,"confidence":0.85595703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.12335707247257233},{"word":"is","start":900.71497,"end":900.875,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.11297465860843658},{"word":"that","start":900.875,"end":901.2,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.17931237816810608},{"word":"without","start":902.08,"end":902.48004,"confidence":0.9980469,"punctuated_word":"without","sentiment":"negative","sentiment_score":-0.3761471509933472},{"word":"the","start":902.48004,"end":902.72003,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2785833477973938},{"word":"will","start":902.72003,"end":903.12,"confidence":0.8720703,"punctuated_word":"will,","sentiment":"neutral","sentiment_score":-0.3251347839832306},{"word":"i","start":903.12,"end":903.28,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.3846665024757385},{"word":"mean","start":903.28,"end":903.60004,"confidence":0.9921875,"punctuated_word":"mean,","sentiment":"negative","sentiment_score":-0.3986012935638428},{"word":"even","start":903.60004,"end":904.10004,"confidence":1.0,"punctuated_word":"even","sentiment":"negative","sentiment_score":-0.407494455575943},{"word":"those","start":904.32,"end":904.8,"confidence":0.86572266,"punctuated_word":"those","sentiment":"negative","sentiment_score":-0.4114239811897278},{"word":"insurances","start":904.8,"end":905.3,"confidence":0.9995117,"punctuated_word":"insurances","sentiment":"negative","sentiment_score":-0.35686007142066956},{"word":"and","start":905.44,"end":905.94,"confidence":0.97802734,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":-0.3289373517036438},{"word":"you","start":906.0,"end":906.24,"confidence":0.5761719,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.43182373046875},{"word":"know","start":906.24,"end":906.72003,"confidence":1.0,"punctuated_word":"know,","sentiment":"negative","sentiment_score":-0.37892645597457886},{"word":"beneficiaries","start":906.72003,"end":907.22003,"confidence":0.9980469,"punctuated_word":"beneficiaries","sentiment":"neutral","sentiment_score":-0.31478121876716614},{"word":"can","start":907.76,"end":908.08,"confidence":0.9970703,"punctuated_word":"can","sentiment":"negative","sentiment_score":-0.36107349395751953},{"word":"be","start":908.08,"end":908.48004,"confidence":1.0,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.4035031199455261},{"word":"thrown","start":908.48004,"end":908.8,"confidence":1.0,"punctuated_word":"thrown","sentiment":"negative","sentiment_score":-0.4966144859790802},{"word":"into","start":908.8,"end":909.3,"confidence":0.99902344,"punctuated_word":"into","sentiment":"negative","sentiment_score":-0.6105377078056335},{"word":"a","start":909.60004,"end":909.68,"confidence":1.0,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4888458847999573},{"word":"bit","start":909.68,"end":909.92,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.5120211839675903},{"word":"of","start":909.92,"end":910.0,"confidence":0.98828125,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.6024406552314758},{"word":"calamity","start":910.0,"end":910.5,"confidence":0.99853516,"punctuated_word":"calamity","sentiment":"negative","sentiment_score":-0.5765288472175598},{"word":"if","start":910.64,"end":910.96,"confidence":0.97509766,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.44618284702301025},{"word":"if","start":910.96,"end":911.2,"confidence":0.9951172,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.4652028977870941},{"word":"i","start":911.2,"end":911.36,"confidence":0.9980469,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.37919843196868896},{"word":"don't","start":911.36,"end":911.52,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.31011658906936646},{"word":"have","start":911.52,"end":911.68,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.14049671590328217},{"word":"a","start":911.68,"end":911.84,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.20555642247200012},{"word":"will","start":911.84,"end":912.0,"confidence":0.99365234,"punctuated_word":"will.","sentiment":"neutral","sentiment_score":-0.12001381814479828},{"word":"is","start":912.0,"end":912.16003,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.0006419606506824493},{"word":"that","start":912.16003,"end":912.4,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.01410859078168869},{"word":"is","start":912.4,"end":912.48004,"confidence":0.98535156,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.023540757596492767},{"word":"that","start":912.48004,"end":912.72003,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.016429953277111053},{"word":"correct","start":912.72003,"end":913.22003,"confidence":1.0,"punctuated_word":"correct?","sentiment":"neutral","sentiment_score":-0.0020498819649219513},{"word":"what","start":930.04,"end":930.54,"confidence":0.79003906,"punctuated_word":"What?","sentiment":"neutral","sentiment_score":-0.0940137654542923},{"word":"yes","start":941.895,"end":942.395,"confidence":0.8186035,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.16946977376937866},{"word":"what","start":970.885,"end":971.385,"confidence":0.6483154,"punctuated_word":"What?","sentiment":"neutral","sentiment_score":-0.07359519600868225},{"word":"yeah","start":1079.9501,"end":1080.27,"confidence":0.9526367,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11636357009410858},{"word":"okay","start":1080.27,"end":1080.77,"confidence":0.99365234,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.10387326776981354},{"word":"okay","start":1082.3501,"end":1082.8501,"confidence":0.8630371,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.04639803618192673},{"word":"no","start":1098.3651,"end":1098.6051,"confidence":0.9663086,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.15739846229553223},{"word":"she","start":1098.6051,"end":1098.8451,"confidence":0.9921875,"punctuated_word":"She","sentiment":"neutral","sentiment_score":-0.12914127111434937},{"word":"was","start":1098.8451,"end":1099.005,"confidence":0.56591797,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.16819459199905396},{"word":"she","start":1099.165,"end":1099.405,"confidence":0.91748047,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.1601390689611435},{"word":"she","start":1099.405,"end":1099.7251,"confidence":0.9770508,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.17437288165092468},{"word":"she","start":1099.7251,"end":1099.9651,"confidence":0.7480469,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.20061340928077695},{"word":"was","start":1099.9651,"end":1100.125,"confidence":0.99609375,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.15323619544506073},{"word":"she","start":1100.4451,"end":1100.94,"confidence":0.5341797,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.014835163950920103},{"word":"she","start":1101.0199,"end":1101.1799,"confidence":0.9970703,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.04251866042613983},{"word":"was","start":1101.1799,"end":1101.2999,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.06474511325359344},{"word":"the","start":1101.2999,"end":1101.4199,"confidence":0.89453125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0495179295539856},{"word":"good","start":1101.4199,"end":1101.74,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.21715909242630005},{"word":"one","start":1101.74,"end":1101.8999,"confidence":0.9970703,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.1536896824836731},{"word":"with","start":1101.8999,"end":1102.1399,"confidence":0.9921875,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.24137990176677704},{"word":"money","start":1102.1399,"end":1102.62,"confidence":0.99609375,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":0.18179446458816528},{"word":"not","start":1102.62,"end":1102.86,"confidence":1.0,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.014520816504955292},{"word":"that","start":1102.86,"end":1103.0199,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0892239436507225},{"word":"i'm","start":1103.0199,"end":1103.4199,"confidence":0.9970703,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.056329190731048584},{"word":"not","start":1103.4199,"end":1103.6599,"confidence":0.7583008,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.07076581567525864},{"word":"that","start":1103.6599,"end":1103.8999,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11611996591091156},{"word":"i'm","start":1103.8999,"end":1104.1399,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.08500349521636963},{"word":"terrible","start":1104.1399,"end":1104.46,"confidence":0.99902344,"punctuated_word":"terrible","sentiment":"neutral","sentiment_score":-0.24434205889701843},{"word":"with","start":1104.46,"end":1104.62,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.14856335520744324},{"word":"money","start":1104.62,"end":1104.94,"confidence":0.99365234,"punctuated_word":"money,","sentiment":"neutral","sentiment_score":-0.11322424560785294},{"word":"but","start":1104.94,"end":1105.1,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0051419734954833984},{"word":"she","start":1105.1,"end":1105.34,"confidence":1.0,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.03800809383392334},{"word":"was","start":1105.34,"end":1105.5,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.08714559674263},{"word":"good","start":1105.5,"end":1105.74,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.065503790974617},{"word":"with","start":1105.74,"end":1105.8999,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.08957485109567642},{"word":"money","start":1105.8999,"end":1106.22,"confidence":0.78149414,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":-0.05833582580089569},{"word":"and","start":1106.22,"end":1106.46,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.028683558106422424},{"word":"and","start":1106.46,"end":1106.7,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.011900033801794052},{"word":"we've","start":1106.7,"end":1106.94,"confidence":0.9995117,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.0029878057539463043},{"word":"been","start":1106.94,"end":1107.1799,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.01254919171333313},{"word":"feeding","start":1107.1799,"end":1107.6799,"confidence":0.81933594,"punctuated_word":"feeding","sentiment":"neutral","sentiment_score":0.10865934193134308},{"word":"the","start":1107.82,"end":1107.8999,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05788518488407135},{"word":"kids'","start":1107.8999,"end":1108.2999,"confidence":0.78881836,"punctuated_word":"kids'","sentiment":"neutral","sentiment_score":0.09004280716180801},{"word":"accounts","start":1108.2999,"end":1108.7,"confidence":0.78759766,"punctuated_word":"accounts","sentiment":"neutral","sentiment_score":0.09565207362174988},{"word":"since","start":1108.7,"end":1108.94,"confidence":1.0,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.13058564066886902},{"word":"they","start":1108.94,"end":1109.1,"confidence":0.9614258,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.06123678386211395},{"word":"were","start":1109.1,"end":1109.2599,"confidence":0.8730469,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.07403309643268585},{"word":"born","start":1109.2599,"end":1109.6599,"confidence":0.93237305,"punctuated_word":"born.","sentiment":"neutral","sentiment_score":0.0756329894065857},{"word":"so","start":1109.6599,"end":1110.1599,"confidence":0.8371582,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.16993993520736694},{"word":"yeah","start":1111.82,"end":1112.2999,"confidence":0.9030762,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.23195436596870425},{"word":"we're","start":1112.2999,"end":1112.7999,"confidence":0.99658203,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.258968323469162},{"word":"we're","start":1112.86,"end":1113.2599,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.2062195986509323},{"word":"all","start":1113.2599,"end":1113.5,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2212669849395752},{"word":"over","start":1113.5,"end":1113.74,"confidence":0.99902344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.25510743260383606},{"word":"that","start":1113.74,"end":1113.98,"confidence":0.97998047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15560027956962583},{"word":"sort","start":1113.98,"end":1114.22,"confidence":0.9941406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.09192797541618349},{"word":"of","start":1114.22,"end":1114.2999,"confidence":0.97998047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1775752604007721},{"word":"that","start":1114.46,"end":1114.62,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22419947385787964},{"word":"sort","start":1114.62,"end":1114.86,"confidence":0.75,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.13233360648155212},{"word":"of","start":1114.86,"end":1115.0199,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20784935355186465},{"word":"things","start":1115.0199,"end":1115.445,"confidence":0.9567871,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.29796090722084045},{"word":"and","start":1116.4049,"end":1116.6449,"confidence":0.74609375,"punctuated_word":"And,","sentiment":"positive","sentiment_score":0.4034923017024994},{"word":"yeah","start":1116.6449,"end":1116.965,"confidence":0.9753418,"punctuated_word":"yeah,","sentiment":"positive","sentiment_score":0.4691306352615357},{"word":"full","start":1116.965,"end":1117.2849,"confidence":0.7109375,"punctuated_word":"full","sentiment":"positive","sentiment_score":0.6490742564201355},{"word":"full","start":1117.2849,"end":1117.605,"confidence":0.9667969,"punctuated_word":"full","sentiment":"positive","sentiment_score":0.727982759475708},{"word":"trusting","start":1117.605,"end":1118.005,"confidence":0.40795898,"punctuated_word":"trusting","sentiment":"positive","sentiment_score":0.6598634123802185},{"word":"her","start":1118.005,"end":1118.245,"confidence":0.9951172,"punctuated_word":"her","sentiment":"positive","sentiment_score":0.6795140504837036},{"word":"to","start":1118.245,"end":1118.485,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6520454287528992},{"word":"do","start":1118.485,"end":1118.725,"confidence":0.9909668,"punctuated_word":"do,","sentiment":"positive","sentiment_score":0.5040666460990906},{"word":"you","start":1118.725,"end":1118.8049,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.39473918080329895},{"word":"know","start":1118.8049,"end":1119.125,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.4245576858520508},{"word":"what","start":1119.125,"end":1119.2849,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.45932042598724365},{"word":"what","start":1119.2849,"end":1119.5249,"confidence":0.9921875,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.4640096426010132},{"word":"she'd","start":1119.5249,"end":1119.7649,"confidence":0.9770508,"punctuated_word":"she'd","sentiment":"positive","sentiment_score":0.3967580199241638},{"word":"need","start":1119.7649,"end":1119.9249,"confidence":0.9980469,"punctuated_word":"need","sentiment":"positive","sentiment_score":0.394174724817276},{"word":"to","start":1119.9249,"end":1120.085,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3267403841018677},{"word":"do","start":1120.085,"end":1120.485,"confidence":0.9995117,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.23089417815208435},{"word":"yeah","start":1120.485,"end":1120.965,"confidence":0.9536133,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13585107028484344},{"word":"yeah","start":1120.965,"end":1121.465,"confidence":0.7480469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1522120237350464},{"word":"okay","start":1188.3201,"end":1188.765,"confidence":0.99194336,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2964968979358673},{"word":"okay","start":1225.515,"end":1226.015,"confidence":0.79125977,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.102099671959877},{"word":"okay","start":1227.515,"end":1227.9,"confidence":0.89697266,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0912880152463913},{"word":"there","start":1232.3,"end":1232.8,"confidence":0.6694336,"punctuated_word":"There","sentiment":"neutral","sentiment_score":-0.02741401270031929},{"word":"yeah","start":1254.395,"end":1254.895,"confidence":0.92700195,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1527201235294342},{"word":"uh-huh","start":1255.115,"end":1255.435,"confidence":0.86689454,"punctuated_word":"Uh-huh.","sentiment":"neutral","sentiment_score":0.16299492120742798},{"word":"all","start":1255.435,"end":1255.5951,"confidence":0.82958984,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.4536442458629608},{"word":"good","start":1255.5951,"end":1255.89,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4064120650291443},{"word":"yeah","start":1259.65,"end":1259.97,"confidence":0.9885254,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17270129919052124},{"word":"absolutely","start":1259.97,"end":1260.47,"confidence":0.9814453,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.18911543488502505},{"word":"yeah","start":1300.255,"end":1300.5751,"confidence":0.9885254,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07715940475463867},{"word":"yes","start":1300.5751,"end":1300.8151,"confidence":0.98461914,"punctuated_word":"Yes,","sentiment":"neutral","sentiment_score":0.10676033794879912},{"word":"please","start":1300.8151,"end":1301.3151,"confidence":0.99902344,"punctuated_word":"please.","sentiment":"neutral","sentiment_score":0.12616199254989624},{"word":"yeah","start":1355.0951,"end":1355.5951,"confidence":0.7512207,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0007980158552527428},{"word":"no","start":1355.7351,"end":1356.135,"confidence":0.9812012,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.15315353870391846},{"word":"not","start":1356.135,"end":1356.375,"confidence":0.9951172,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.224481999874115},{"word":"at","start":1356.375,"end":1356.535,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1739823818206787},{"word":"all","start":1356.535,"end":1356.87,"confidence":0.9970703,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":-0.20232757925987244},{"word":"no","start":1357.03,"end":1357.27,"confidence":0.99609375,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.23752453923225403},{"word":"i","start":1357.27,"end":1357.35,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.22227337956428528},{"word":"think","start":1357.35,"end":1357.75,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.2183533012866974},{"word":"we're","start":1357.75,"end":1357.91,"confidence":0.9152832,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.158720925450325},{"word":"all","start":1357.91,"end":1358.23,"confidence":0.9838867,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.005463600158691406},{"word":"good","start":1358.23,"end":1358.39,"confidence":0.9814453,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":-0.06740673631429672},{"word":"like","start":1358.39,"end":1358.71,"confidence":0.9577637,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.03400246798992157},{"word":"i","start":1358.71,"end":1358.95,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03767070919275284},{"word":"i","start":1358.95,"end":1359.11,"confidence":0.9760742,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.027799412608146667},{"word":"am","start":1359.11,"end":1359.27,"confidence":0.99316406,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.023133911192417145},{"word":"just","start":1359.27,"end":1359.77,"confidence":0.77319336,"punctuated_word":"just,","sentiment":"neutral","sentiment_score":-0.008407078683376312},{"word":"you","start":1359.91,"end":1360.15,"confidence":0.5800781,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03010222315788269},{"word":"know","start":1360.15,"end":1360.47,"confidence":0.8898926,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.031052108854055405},{"word":"we","start":1360.47,"end":1360.63,"confidence":0.97802734,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.02573513239622116},{"word":"have","start":1360.63,"end":1360.87,"confidence":0.9951172,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.012845784425735474},{"word":"a","start":1360.87,"end":1360.95,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.035137489438056946},{"word":"conversation","start":1360.95,"end":1361.43,"confidence":0.8557129,"punctuated_word":"conversation.","sentiment":"neutral","sentiment_score":-0.043948087841272354},{"word":"i'm","start":1361.43,"end":1361.67,"confidence":0.99560547,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.007173845078796148},{"word":"i'm","start":1361.67,"end":1361.83,"confidence":0.9904785,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.018483931198716164},{"word":"interested","start":1361.83,"end":1362.15,"confidence":1.0,"punctuated_word":"interested","sentiment":"neutral","sentiment_score":-0.014664687216281893},{"word":"in","start":1362.15,"end":1362.3099,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.09330780804157256},{"word":"that","start":1362.3099,"end":1362.55,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08788234740495682},{"word":"conversation","start":1362.55,"end":1363.03,"confidence":1.0,"punctuated_word":"conversation","sentiment":"neutral","sentiment_score":-0.06771612912416458},{"word":"in","start":1363.03,"end":1363.19,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.09103338420391084},{"word":"a","start":1363.19,"end":1363.27,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.118737131357193},{"word":"couple","start":1363.27,"end":1363.51,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.06357188522815704},{"word":"of","start":1363.51,"end":1363.67,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03092237189412117},{"word":"weeks","start":1363.67,"end":1364.07,"confidence":1.0,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":-0.07126305252313614},{"word":"and","start":1364.07,"end":1364.57,"confidence":0.84765625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03495219349861145},{"word":"moving","start":1365.43,"end":1365.83,"confidence":0.90722656,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.1468103528022766},{"word":"forward","start":1365.83,"end":1366.33,"confidence":0.9975586,"punctuated_word":"forward.","sentiment":"neutral","sentiment_score":0.16761749982833862},{"word":"yeah","start":1366.47,"end":1366.97,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08212826400995255},{"word":"yep","start":1375.765,"end":1376.265,"confidence":0.9914551,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1886557936668396},{"word":"yes","start":1386.02,"end":1386.52,"confidence":0.83862305,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.025242621079087257},{"word":"same","start":1419.41,"end":1419.7301,"confidence":0.42456055,"punctuated_word":"Same","sentiment":"positive","sentiment_score":0.4115915596485138},{"word":"here","start":1419.7301,"end":1420.05,"confidence":0.91796875,"punctuated_word":"here.","sentiment":"positive","sentiment_score":0.39752620458602905},{"word":"sounds","start":1420.05,"end":1420.37,"confidence":0.43579102,"punctuated_word":"Sounds","sentiment":"positive","sentiment_score":0.5841070413589478},{"word":"fun","start":1420.37,"end":1420.755,"confidence":0.796875,"punctuated_word":"fun.","sentiment":"positive","sentiment_score":0.6204577684402466},{"word":"yep","start":1441.5801,"end":1442.0801,"confidence":0.77197266,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07346691936254501},{"word":"not","start":1451.335,"end":1451.575,"confidence":0.91845703,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.07178330421447754},{"word":"really","start":1451.575,"end":1451.8949,"confidence":0.99902344,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.07695531100034714},{"word":"i","start":1451.8949,"end":1452.0549,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08023053407669067},{"word":"think","start":1452.0549,"end":1452.2949,"confidence":0.99560547,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":-0.06397644430398941},{"word":"you","start":1452.2949,"end":1452.455,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0883152112364769},{"word":"know","start":1452.455,"end":1452.855,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.10994154959917068},{"word":"cash","start":1452.855,"end":1453.095,"confidence":0.9980469,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.0917917862534523},{"word":"flow","start":1453.095,"end":1453.335,"confidence":0.94140625,"punctuated_word":"flow","sentiment":"neutral","sentiment_score":-0.026721224188804623},{"word":"is","start":1453.335,"end":1453.495,"confidence":0.7871094,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03629904985427856},{"word":"a","start":1453.495,"end":1453.6549,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.042618852108716965},{"word":"big","start":1453.6549,"end":1453.815,"confidence":1.0,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.0017623454332351685},{"word":"one","start":1453.815,"end":1454.135,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.032516419887542725},{"word":"for","start":1454.135,"end":1454.2949,"confidence":0.984375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0356140062212944},{"word":"me","start":1454.2949,"end":1454.695,"confidence":0.99560547,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":-0.0390591025352478},{"word":"like","start":1454.695,"end":1454.9349,"confidence":0.99609375,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.01224815845489502},{"word":"it's","start":1454.9349,"end":1455.015,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.04244668781757355},{"word":"just","start":1455.015,"end":1455.335,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04026423394680023},{"word":"cash","start":1455.335,"end":1455.575,"confidence":0.99609375,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.031192973256111145},{"word":"flow","start":1455.575,"end":1456.0549,"confidence":0.9921875,"punctuated_word":"flow","sentiment":"neutral","sentiment_score":0.067197784781456},{"word":"and","start":1456.0549,"end":1456.5349,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01758025586605072},{"word":"and","start":1456.5349,"end":1456.7749,"confidence":0.8051758,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.009397126734256744},{"word":"a","start":1456.7749,"end":1456.9349,"confidence":0.8925781,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.022154677659273148},{"word":"long","start":1456.9349,"end":1457.1749,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.024370253086090088},{"word":"term","start":1457.1749,"end":1457.495,"confidence":0.9980469,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.06607677787542343},{"word":"plan","start":1457.495,"end":1457.975,"confidence":0.7775879,"punctuated_word":"plan,","sentiment":"neutral","sentiment_score":0.03029416874051094},{"word":"you","start":1457.975,"end":1458.0549,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00833284854888916},{"word":"know","start":1458.0549,"end":1458.455,"confidence":0.97143555,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.001171451061964035},{"word":"a","start":1458.455,"end":1458.5349,"confidence":0.6430664,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.015371505171060562},{"word":"long","start":1458.5349,"end":1458.7749,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.008464455604553223},{"word":"term","start":1458.7749,"end":1459.015,"confidence":0.99902344,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.04995374754071236},{"word":"plan","start":1459.015,"end":1459.4149,"confidence":0.99316406,"punctuated_word":"plan.","sentiment":"neutral","sentiment_score":0.0270608514547348},{"word":"i","start":1459.4149,"end":1459.495,"confidence":0.7949219,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.037432294338941574},{"word":"just","start":1459.495,"end":1459.815,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05691272020339966},{"word":"wanna","start":1459.815,"end":1460.315,"confidence":0.9980469,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.08448442816734314},{"word":"yeah","start":1460.695,"end":1461.195,"confidence":0.99658203,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.08883076906204224},{"word":"i","start":1461.255,"end":1461.4149,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08345820009708405},{"word":"wanna","start":1461.4149,"end":1461.735,"confidence":0.9951172,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1387429237365723},{"word":"be","start":1461.735,"end":1462.235,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.12394323945045473},{"word":"as","start":1462.2949,"end":1462.7949,"confidence":0.5102539,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.03647930920124054},{"word":"like","start":1463.495,"end":1463.97,"confidence":0.8815918,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.054352253675460815},{"word":"and","start":1463.97,"end":1464.13,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06261918693780899},{"word":"i've","start":1464.13,"end":1464.2899,"confidence":0.9760742,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.061983317136764526},{"word":"got","start":1464.2899,"end":1464.4099,"confidence":0.99609375,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0716971755027771},{"word":"and","start":1464.53,"end":1464.9299,"confidence":0.7824707,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.06773020327091217},{"word":"like","start":1464.9299,"end":1465.1699,"confidence":0.9406738,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.05454664304852486},{"word":"just","start":1465.1699,"end":1465.4099,"confidence":0.9790039,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06168266758322716},{"word":"another","start":1465.4099,"end":1465.65,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.047969941049814224},{"word":"thing","start":1465.65,"end":1465.89,"confidence":0.99902344,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.05311181768774986},{"word":"to","start":1465.89,"end":1465.97,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.031680602580308914},{"word":"think","start":1465.97,"end":1466.13,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.03208901733160019},{"word":"about","start":1466.13,"end":1466.45,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.03371867537498474},{"word":"is","start":1466.45,"end":1466.53,"confidence":0.8647461,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.029262609779834747},{"word":"that","start":1466.53,"end":1466.77,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03696649521589279},{"word":"i've","start":1466.77,"end":1466.9299,"confidence":0.9797363,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.04684671759605408},{"word":"got","start":1466.9299,"end":1467.01,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.05010230094194412},{"word":"the","start":1467.01,"end":1467.1699,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07550349086523056},{"word":"kids","start":1467.1699,"end":1467.49,"confidence":1.0,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":0.09148482978343964},{"word":"too","start":1467.49,"end":1467.8099,"confidence":0.9309082,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":0.07531862705945969},{"word":"so","start":1467.8099,"end":1468.21,"confidence":0.9914551,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.05615609884262085},{"word":"you","start":1468.21,"end":1468.45,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0543898232281208},{"word":"know","start":1468.45,"end":1468.95,"confidence":0.99853516,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.05762259662151337},{"word":"holidays","start":1469.57,"end":1470.07,"confidence":0.98095703,"punctuated_word":"holidays","sentiment":"neutral","sentiment_score":0.09495849907398224},{"word":"and","start":1470.21,"end":1470.61,"confidence":0.8461914,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.08508411049842834},{"word":"you","start":1470.61,"end":1470.77,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07049918174743652},{"word":"know","start":1470.77,"end":1471.01,"confidence":0.9921875,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.0794365331530571},{"word":"and","start":1471.01,"end":1471.25,"confidence":0.96875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09636498242616652},{"word":"and","start":1471.25,"end":1471.57,"confidence":0.98828125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1034277081489563},{"word":"the","start":1471.57,"end":1471.65,"confidence":0.69873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10395269840955734},{"word":"education","start":1471.65,"end":1472.13,"confidence":0.9980469,"punctuated_word":"education","sentiment":"neutral","sentiment_score":0.13420577347278595},{"word":"side","start":1472.13,"end":1472.37,"confidence":0.9819336,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.1117902249097824},{"word":"of","start":1472.37,"end":1472.45,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11796459555625916},{"word":"things","start":1472.45,"end":1472.69,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.1549057960510254},{"word":"and","start":1472.69,"end":1472.85,"confidence":0.58691406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.104860357940197},{"word":"just","start":1472.85,"end":1473.09,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13315057754516602},{"word":"making","start":1473.09,"end":1473.4099,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.10311681777238846},{"word":"sure","start":1473.4099,"end":1473.65,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.10336393862962724},{"word":"that","start":1473.65,"end":1473.89,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1305350661277771},{"word":"we're","start":1473.89,"end":1474.0499,"confidence":0.9980469,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.14649084210395813},{"word":"we're","start":1474.0499,"end":1474.37,"confidence":0.9980469,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.15188460052013397},{"word":"covered","start":1474.37,"end":1474.69,"confidence":1.0,"punctuated_word":"covered","sentiment":"neutral","sentiment_score":0.1752406358718872},{"word":"as","start":1474.69,"end":1474.85,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12712249159812927},{"word":"a","start":1474.85,"end":1475.01,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15675559639930725},{"word":"family","start":1475.01,"end":1475.49,"confidence":0.9562988,"punctuated_word":"family.","sentiment":"neutral","sentiment_score":0.1460953950881958},{"word":"like","start":1475.49,"end":1475.985,"confidence":0.8901367,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.04524243623018265},{"word":"i","start":1476.065,"end":1476.145,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.022048652172088623},{"word":"mean","start":1476.145,"end":1476.225,"confidence":0.9975586,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.04638570547103882},{"word":"i'm","start":1476.225,"end":1476.385,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.015780959278345108},{"word":"not","start":1476.385,"end":1476.625,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.01608126610517502},{"word":"silly","start":1476.625,"end":1477.025,"confidence":0.99658203,"punctuated_word":"silly.","sentiment":"neutral","sentiment_score":-0.0536639578640461},{"word":"i","start":1477.025,"end":1477.105,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02615509182214737},{"word":"know","start":1477.105,"end":1477.345,"confidence":0.98828125,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.022097371518611908},{"word":"how","start":1477.345,"end":1477.585,"confidence":0.984375,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.02086114138364792},{"word":"to","start":1477.585,"end":1477.665,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03688368946313858},{"word":"budget","start":1477.665,"end":1477.985,"confidence":1.0,"punctuated_word":"budget","sentiment":"neutral","sentiment_score":0.05160308629274368},{"word":"and","start":1477.985,"end":1478.145,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02209939807653427},{"word":"do","start":1478.145,"end":1478.385,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05957658588886261},{"word":"what","start":1478.385,"end":1478.545,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.0576249361038208},{"word":"i","start":1478.545,"end":1478.625,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.039312176406383514},{"word":"need","start":1478.625,"end":1478.785,"confidence":0.9980469,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.06681051105260849},{"word":"to","start":1478.785,"end":1478.945,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.036246299743652344},{"word":"do","start":1478.945,"end":1479.1849,"confidence":0.9663086,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.03614513576030731},{"word":"but","start":1479.1849,"end":1479.585,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.05582504719495773},{"word":"i","start":1479.585,"end":1479.745,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03395969420671463},{"word":"want","start":1479.745,"end":1479.905,"confidence":0.91015625,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.06222035735845566},{"word":"i","start":1479.985,"end":1480.065,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.045546695590019226},{"word":"just","start":1480.065,"end":1480.3049,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.094962939620018},{"word":"wanna","start":1480.3049,"end":1480.785,"confidence":0.83203125,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.13246765732765198},{"word":"be","start":1480.785,"end":1480.9451,"confidence":0.96435547,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.09480366110801695},{"word":"go","start":1481.105,"end":1481.4249,"confidence":0.9375,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1587948352098465},{"word":"out","start":1481.4249,"end":1481.665,"confidence":0.36279297,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.20914727449417111},{"word":"of","start":1481.665,"end":1481.905,"confidence":0.9116211,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1422232985496521},{"word":"the","start":1481.905,"end":1481.985,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11168131232261658},{"word":"best","start":1481.985,"end":1482.3049,"confidence":0.99902344,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.08186890184879303},{"word":"way","start":1482.3049,"end":1482.625,"confidence":0.9160156,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.1714843213558197},{"word":"the","start":1482.625,"end":1482.785,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1368701457977295},{"word":"best","start":1482.785,"end":1483.025,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.09882823377847672},{"word":"possible","start":1483.025,"end":1483.505,"confidence":1.0,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":0.12381528317928314},{"word":"way","start":1483.505,"end":1483.905,"confidence":0.72546387,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":0.03493008762598038},{"word":"and","start":1483.905,"end":1484.225,"confidence":0.9941406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.029323376715183255},{"word":"so","start":1484.225,"end":1484.725,"confidence":0.8901367,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":0.03834153711795807},{"word":"you","start":1485.345,"end":1485.585,"confidence":0.8198242,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.026857182383537292},{"word":"know","start":1485.585,"end":1485.825,"confidence":0.9970703,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.042102523148059845},{"word":"with","start":1485.825,"end":1486.145,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04938431084156037},{"word":"with","start":1486.145,"end":1486.385,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.055027808994054794},{"word":"what","start":1486.385,"end":1486.625,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.04949174448847771},{"word":"i","start":1486.625,"end":1486.785,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04593983665108681},{"word":"have","start":1486.785,"end":1487.105,"confidence":0.71569824,"punctuated_word":"have.","sentiment":"neutral","sentiment_score":0.0528578944504261},{"word":"and","start":1487.105,"end":1487.345,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.030973199754953384},{"word":"i'm","start":1487.345,"end":1487.505,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.03490070253610611},{"word":"i'm","start":1487.505,"end":1487.745,"confidence":0.99365234,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.03408800810575485},{"word":"sort","start":1487.745,"end":1487.985,"confidence":0.9980469,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.006192151457071304},{"word":"of","start":1487.985,"end":1488.145,"confidence":0.5620117,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03740299493074417},{"word":"hoping","start":1488.145,"end":1488.545,"confidence":1.0,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":0.03779420629143715},{"word":"that","start":1488.545,"end":1489.045,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0558837428689003},{"word":"by","start":1489.49,"end":1489.5701,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.035103462636470795},{"word":"the","start":1489.5701,"end":1489.81,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.037769343703985214},{"word":"time","start":1489.81,"end":1489.89,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.060733161866664886},{"word":"we","start":1489.89,"end":1490.29,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.037920497357845306},{"word":"do","start":1490.29,"end":1490.4501,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.056925997138023376},{"word":"have","start":1490.4501,"end":1490.61,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.061684321612119675},{"word":"our","start":1490.61,"end":1490.85,"confidence":0.8330078,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.045228540897369385},{"word":"next","start":1490.85,"end":1491.0901,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.04912623018026352},{"word":"conversation","start":1491.0901,"end":1491.5901,"confidence":0.7746582,"punctuated_word":"conversation,","sentiment":"neutral","sentiment_score":0.05223522707819939},{"word":"that","start":1493.25,"end":1493.65,"confidence":0.92333984,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.050801947712898254},{"word":"maybe","start":1493.65,"end":1494.15,"confidence":0.8774414,"punctuated_word":"maybe,","sentiment":"neutral","sentiment_score":0.03646306321024895},{"word":"you","start":1494.53,"end":1494.77,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02745257131755352},{"word":"know","start":1494.77,"end":1494.93,"confidence":0.9951172,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.03689135983586311},{"word":"we've","start":1494.93,"end":1495.17,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.03578750044107437},{"word":"already","start":1495.17,"end":1495.49,"confidence":1.0,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.06514839828014374},{"word":"had","start":1495.49,"end":1495.5701,"confidence":0.99609375,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.05002409964799881},{"word":"the","start":1495.5701,"end":1495.81,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04319353029131889},{"word":"discussions","start":1495.81,"end":1496.29,"confidence":0.9951172,"punctuated_word":"discussions","sentiment":"neutral","sentiment_score":0.0354030542075634},{"word":"at","start":1496.29,"end":1496.4501,"confidence":0.9863281,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02186453901231289},{"word":"work","start":1496.4501,"end":1496.9501,"confidence":0.75805664,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":0.04195794463157654},{"word":"and","start":1497.81,"end":1498.31,"confidence":0.9536133,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.04131616652011871},{"word":"you","start":1498.4501,"end":1498.61,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03076341561973095},{"word":"know","start":1498.61,"end":1499.0901,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.04081209748983383},{"word":"looking","start":1499.0901,"end":1499.49,"confidence":0.98535156,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.06148571148514747},{"word":"forward","start":1499.49,"end":1499.99,"confidence":0.9848633,"punctuated_word":"forward,","sentiment":"neutral","sentiment_score":0.05729074403643608},{"word":"we","start":1500.53,"end":1500.6901,"confidence":0.93408203,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05153140425682068},{"word":"sort","start":1500.6901,"end":1500.93,"confidence":0.57910156,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.0515918955206871},{"word":"of","start":1500.93,"end":1501.01,"confidence":0.7573242,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05647294223308563},{"word":"got","start":1501.01,"end":1501.25,"confidence":0.9980469,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.05640432611107826},{"word":"some","start":1501.25,"end":1501.41,"confidence":0.99316406,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.04055461287498474},{"word":"maybe","start":1501.49,"end":1501.73,"confidence":0.99902344,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.03100803680717945},{"word":"some","start":1501.73,"end":1501.89,"confidence":0.9838867,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.032472070306539536},{"word":"new","start":1501.89,"end":1502.13,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.032248131930828094},{"word":"numbers","start":1502.13,"end":1502.4501,"confidence":1.0,"punctuated_word":"numbers","sentiment":"neutral","sentiment_score":0.04551517590880394},{"word":"to","start":1502.4501,"end":1502.61,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.039479807019233704},{"word":"play","start":1502.61,"end":1502.77,"confidence":1.0,"punctuated_word":"play","sentiment":"neutral","sentiment_score":0.0394340343773365},{"word":"with","start":1502.77,"end":1503.165,"confidence":0.87890625,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":0.04372289776802063},{"word":"but","start":1503.485,"end":1503.645,"confidence":0.984375,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.04220928996801376},{"word":"we'll","start":1503.645,"end":1503.885,"confidence":1.0,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.038641855120658875},{"word":"just","start":1503.885,"end":1504.125,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04119865596294403},{"word":"see","start":1504.125,"end":1504.285,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.040759794414043427},{"word":"how","start":1504.285,"end":1504.4451,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.04698274284601211},{"word":"that","start":1504.4451,"end":1504.605,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07456865906715393},{"word":"goes","start":1504.605,"end":1505.005,"confidence":0.93310547,"punctuated_word":"goes.","sentiment":"neutral","sentiment_score":0.053076595067977905},{"word":"you","start":1505.005,"end":1505.0851,"confidence":0.99316406,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.01871319115161896},{"word":"know","start":1505.0851,"end":1505.5851,"confidence":0.99365234,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":0.030277542769908905},{"word":"but","start":1505.885,"end":1506.125,"confidence":0.9658203,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.053929176181554794},{"word":"when","start":1506.125,"end":1506.285,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.036129385232925415},{"word":"that","start":1506.285,"end":1506.4451,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03908222168684006},{"word":"when","start":1506.4451,"end":1506.685,"confidence":0.7495117,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.03833939880132675},{"word":"that","start":1506.685,"end":1506.8451,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06428808718919754},{"word":"change","start":1506.8451,"end":1507.165,"confidence":0.99902344,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.06526271998882294},{"word":"happens","start":1507.165,"end":1507.485,"confidence":0.99902344,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":0.035641539841890335},{"word":"anyway","start":1507.485,"end":1507.805,"confidence":0.9160156,"punctuated_word":"anyway,","sentiment":"neutral","sentiment_score":0.033327020704746246},{"word":"if","start":1507.805,"end":1508.045,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.049233436584472656},{"word":"it","start":1508.045,"end":1508.2051,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0470433384180069},{"word":"happens","start":1508.2051,"end":1508.525,"confidence":0.99316406,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":0.0317000150680542},{"word":"to","start":1508.525,"end":1508.685,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.038315754383802414},{"word":"happen","start":1508.685,"end":1509.005,"confidence":1.0,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":0.03310251608490944},{"word":"after","start":1509.005,"end":1509.505,"confidence":0.99316406,"punctuated_word":"after,","sentiment":"neutral","sentiment_score":0.03226488456130028},{"word":"then","start":1510.365,"end":1510.685,"confidence":0.9863281,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.03795107081532478},{"word":"we","start":1510.685,"end":1510.8451,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04672945290803909},{"word":"just","start":1510.8451,"end":1511.3451,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04477498680353165},{"word":"implement","start":1511.405,"end":1511.905,"confidence":0.83740234,"punctuated_word":"implement","sentiment":"neutral","sentiment_score":0.045186713337898254},{"word":"it","start":1511.9651,"end":1512.125,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09451092779636384},{"word":"when","start":1512.125,"end":1512.365,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.08891915529966354},{"word":"it","start":1512.365,"end":1512.4451,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06602112948894501},{"word":"happens","start":1512.4451,"end":1512.9451,"confidence":0.8249512,"punctuated_word":"happens.","sentiment":"neutral","sentiment_score":0.0581398531794548},{"word":"and","start":1513.005,"end":1513.505,"confidence":0.96972656,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05129360407590866},{"word":"yeah","start":1515.0851,"end":1515.54,"confidence":0.98950195,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.1842217743396759},{"word":"yeah","start":1537.555,"end":1538.055,"confidence":0.75439453,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0247882716357708},{"word":"okay","start":1562.705,"end":1563.205,"confidence":0.76220703,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.041541844606399536},{"word":"no","start":1577.6,"end":1577.76,"confidence":0.85131836,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.03587754815816879},{"word":"that's","start":1577.76,"end":1578.08,"confidence":0.9946289,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.17051661014556885},{"word":"cool","start":1578.08,"end":1578.4,"confidence":0.9785156,"punctuated_word":"cool.","sentiment":"neutral","sentiment_score":0.1976422220468521},{"word":"love","start":1578.4,"end":1578.64,"confidence":0.39111328,"punctuated_word":"Love","sentiment":"positive","sentiment_score":0.45856308937072754},{"word":"it","start":1578.64,"end":1578.795,"confidence":0.94311523,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.40933066606521606},{"word":"this","start":1581.3551,"end":1581.675,"confidence":0.8828125,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.1269632875919342},{"word":"this","start":1581.675,"end":1581.755,"confidence":0.84472656,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.13929346203804016},{"word":"this","start":1581.755,"end":1581.8351,"confidence":0.7709961,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.13966263830661774},{"word":"conversation","start":1581.8351,"end":1582.3151,"confidence":0.97509766,"punctuated_word":"conversation","sentiment":"neutral","sentiment_score":0.0615362673997879},{"word":"that","start":1582.3151,"end":1582.555,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05378106981515885},{"word":"we're","start":1582.555,"end":1582.7151,"confidence":0.9975586,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.05970597267150879},{"word":"gonna","start":1582.7151,"end":1582.9551,"confidence":0.9902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.06235057860612869},{"word":"have","start":1582.9551,"end":1583.4551,"confidence":0.8762207,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":0.06221871450543403},{"word":"is","start":1584.0751,"end":1584.155,"confidence":0.42138672,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02333121187984943},{"word":"it","start":1584.155,"end":1584.395,"confidence":0.97802734,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.045284200459718704},{"word":"over","start":1584.395,"end":1584.635,"confidence":0.99902344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.04134036600589752},{"word":"the","start":1584.635,"end":1584.7151,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0425914041697979},{"word":"phone","start":1584.7151,"end":1584.9551,"confidence":1.0,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":0.042399562895298},{"word":"again","start":1584.9551,"end":1585.1951,"confidence":0.9970703,"punctuated_word":"again?","sentiment":"neutral","sentiment_score":0.03244234248995781},{"word":"can","start":1585.1951,"end":1585.3551,"confidence":1.0,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.015515165403485298},{"word":"i","start":1585.3551,"end":1585.515,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.025317002087831497},{"word":"come","start":1585.515,"end":1585.675,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.0318315252661705},{"word":"and","start":1585.675,"end":1585.8351,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03129174932837486},{"word":"see","start":1585.8351,"end":1586.0751,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.025864847004413605},{"word":"you","start":1586.0751,"end":1586.3151,"confidence":0.91015625,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.022453945130109787},{"word":"or","start":1586.3151,"end":1586.8151,"confidence":0.8642578,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.029321912676095963},{"word":"i","start":1605.845,"end":1606.005,"confidence":0.7363281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04978839308023453},{"word":"think","start":1606.005,"end":1606.245,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.05198048427700997},{"word":"in","start":1606.245,"end":1606.485,"confidence":0.9472656,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06537933647632599},{"word":"person","start":1606.485,"end":1606.885,"confidence":0.98583984,"punctuated_word":"person.","sentiment":"neutral","sentiment_score":0.06883430480957031},{"word":"i","start":1606.885,"end":1607.045,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02278032898902893},{"word":"don't","start":1607.045,"end":1607.205,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.03651903197169304},{"word":"know","start":1607.205,"end":1607.4451,"confidence":0.9975586,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.03813005983829498},{"word":"i've","start":1607.4451,"end":1607.605,"confidence":0.74316406,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.006839223206043243},{"word":"just","start":1607.605,"end":1607.765,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.026351414620876312},{"word":"yeah","start":1608.005,"end":1608.165,"confidence":0.99365234,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.06638709455728531},{"word":"it's","start":1608.165,"end":1608.485,"confidence":0.7751465,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.1484437733888626},{"word":"yeah","start":1608.725,"end":1609.225,"confidence":0.9904785,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.14430361986160278},{"word":"yeah","start":1610.805,"end":1611.285,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.20494304597377777},{"word":"that's","start":1611.285,"end":1611.525,"confidence":0.9667969,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.3148423433303833},{"word":"right","start":1611.525,"end":1611.845,"confidence":0.99121094,"punctuated_word":"right.","sentiment":"positive","sentiment_score":0.3536698818206787},{"word":"i","start":1611.845,"end":1612.005,"confidence":0.6298828,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.35393381118774414},{"word":"could","start":1612.005,"end":1612.245,"confidence":0.41015625,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.31716227531433105},{"word":"go","start":1612.245,"end":1612.5651,"confidence":0.8388672,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.31022417545318604},{"word":"go","start":1612.5651,"end":1612.645,"confidence":0.6972656,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.32337844371795654},{"word":"for","start":1612.645,"end":1612.805,"confidence":0.7441406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.30984920263290405},{"word":"some","start":1612.805,"end":1612.965,"confidence":0.9902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.30553075671195984},{"word":"lunch","start":1612.965,"end":1613.285,"confidence":1.0,"punctuated_word":"lunch","sentiment":"positive","sentiment_score":0.349714070558548},{"word":"and","start":1613.285,"end":1613.4451,"confidence":0.86865234,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.25350043177604675},{"word":"then","start":1613.4451,"end":1613.605,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2489013373851776},{"word":"come","start":1613.605,"end":1613.845,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.2500399053096771},{"word":"and","start":1613.845,"end":1614.005,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.25409308075904846},{"word":"see","start":1614.005,"end":1614.165,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.25084811449050903},{"word":"you","start":1614.165,"end":1614.3251,"confidence":0.71899414,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.23087164759635925},{"word":"you","start":1614.3251,"end":1614.405,"confidence":0.9873047,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.09984230995178224},{"word":"know","start":1614.405,"end":1614.645,"confidence":0.9875488,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":0.14283418655395508},{"word":"yeah","start":1614.645,"end":1615.145,"confidence":0.9785156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2278139591217041},{"word":"yep","start":1628.3601,"end":1628.8601,"confidence":0.9926758,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2422480583190918},{"word":"okay","start":1636.695,"end":1637.195,"confidence":0.81469727,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.03382773697376251},{"word":"oh","start":1643.75,"end":1643.91,"confidence":0.86328125,"punctuated_word":"Oh","sentiment":"neutral","sentiment_score":0.10724232345819472},{"word":"my","start":1643.91,"end":1644.15,"confidence":0.7988281,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.10059663653373718},{"word":"god","start":1644.15,"end":1644.65,"confidence":0.9501953,"punctuated_word":"god.","sentiment":"neutral","sentiment_score":0.20186705887317655},{"word":"yeah","start":1658.905,"end":1659.225,"confidence":0.96777344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10057660192251204},{"word":"gotcha","start":1659.225,"end":1659.725,"confidence":0.8938802,"punctuated_word":"Gotcha.","sentiment":"neutral","sentiment_score":0.03040800243616104},{"word":"no","start":1666.745,"end":1666.985,"confidence":0.9616699,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05361783877015114},{"word":"that's","start":1666.985,"end":1667.305,"confidence":0.99316406,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.022424867376685143},{"word":"that's","start":1667.305,"end":1667.705,"confidence":0.9975586,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.013830393552780151},{"word":"fine","start":1667.705,"end":1668.105,"confidence":0.9995117,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.0756121277809143},{"word":"yeah","start":1668.105,"end":1668.585,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.005437038838863373},{"word":"no","start":1668.585,"end":1668.905,"confidence":0.9970703,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07424794882535934},{"word":"i","start":1668.905,"end":1668.985,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2979322373867035},{"word":"won't","start":1668.985,"end":1669.305,"confidence":0.9921875,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":-0.2513366639614105},{"word":"i","start":1669.305,"end":1669.385,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.266109824180603},{"word":"won't","start":1669.385,"end":1669.625,"confidence":1.0,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":-0.2759292721748352},{"word":"do","start":1669.625,"end":1669.785,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.09546152502298356},{"word":"that","start":1669.785,"end":1670.025,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04958072304725647},{"word":"to","start":1670.025,"end":1670.105,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03879395127296448},{"word":"you","start":1670.105,"end":1670.605,"confidence":0.98999023,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.0486799031496048},{"word":"let's","start":1670.825,"end":1670.985,"confidence":0.6546631,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":-0.06397443264722824},{"word":"see","start":1670.985,"end":1671.145,"confidence":0.95166016,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":-0.07865365594625473},{"word":"i'm","start":1671.145,"end":1671.305,"confidence":0.89282227,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.07301496714353561},{"word":"looking","start":1671.305,"end":1671.805,"confidence":0.77124023,"punctuated_word":"looking.","sentiment":"neutral","sentiment_score":-0.03397449105978012},{"word":"okay","start":1684.415,"end":1684.915,"confidence":0.91137695,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.13934314250946045},{"word":"cool","start":1688.735,"end":1689.235,"confidence":0.9946289,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.6110857129096985},{"word":"yeah","start":1691.855,"end":1692.255,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2145424783229828},{"word":"yeah","start":1692.255,"end":1692.575,"confidence":0.9355469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16584555804729462},{"word":"i","start":1692.575,"end":1692.815,"confidence":0.98828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1463416963815689},{"word":"i","start":1692.815,"end":1692.975,"confidence":0.98095703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12902435660362244},{"word":"i","start":1692.975,"end":1693.135,"confidence":0.7973633,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11454271525144576},{"word":"think","start":1693.135,"end":1693.2949,"confidence":0.9970703,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.11340856552124023},{"word":"so","start":1693.2949,"end":1693.7949,"confidence":0.9970703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1238069385290146},{"word":"too","start":1694.975,"end":1695.455,"confidence":0.9875488,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":0.2583635151386261},{"word":"that's","start":1695.455,"end":1695.955,"confidence":0.78027344,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.788282036781311},{"word":"awesome","start":1705.32,"end":1705.82,"confidence":1.0,"punctuated_word":"awesome.","sentiment":"positive","sentiment_score":0.6946284174919128},{"word":"okay","start":1718.9349,"end":1719.4349,"confidence":0.97021484,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1693148910999298},{"word":"perfect","start":1734.09,"end":1734.59,"confidence":0.7114258,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4870604872703552},{"word":"alright","start":1735.9299,"end":1736.4299,"confidence":0.9941406,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.1980905532836914},{"word":"no","start":1742.1849,"end":1742.585,"confidence":0.93310547,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0919535756111145},{"word":"not","start":1742.585,"end":1742.745,"confidence":0.94189453,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.0954638496041298},{"word":"at","start":1742.745,"end":1742.985,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.08362556993961334},{"word":"all","start":1742.985,"end":1743.3049,"confidence":0.99853516,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":-0.07507085800170898},{"word":"not","start":1743.3049,"end":1743.5449,"confidence":0.99902344,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.09231719374656676},{"word":"at","start":1743.5449,"end":1743.625,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0752924308180809},{"word":"all","start":1743.625,"end":1743.865,"confidence":1.0,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":-0.04840007424354553},{"word":"i","start":1743.865,"end":1744.025,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02795322984457016},{"word":"i","start":1744.025,"end":1744.1849,"confidence":0.95703125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.022258494049310684},{"word":"think","start":1744.1849,"end":1744.4249,"confidence":0.80566406,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":-0.020730750635266304},{"word":"you","start":1744.4249,"end":1744.585,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02050604298710823},{"word":"know","start":1744.585,"end":1744.6649,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.00944657251238823},{"word":"yeah","start":1744.745,"end":1744.985,"confidence":0.99072266,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.006853507831692696},{"word":"look","start":1744.985,"end":1745.225,"confidence":0.8208008,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":0.008827103301882744},{"word":"i'm","start":1745.225,"end":1745.465,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.003955400548875332},{"word":"i'm","start":1745.465,"end":1745.625,"confidence":0.98999023,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.0029795567970722914},{"word":"a","start":1745.625,"end":1745.705,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.005047282204031944},{"word":"pretty","start":1745.705,"end":1745.945,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.02565887570381165},{"word":"basic","start":1745.945,"end":1746.445,"confidence":1.0,"punctuated_word":"basic","sentiment":"neutral","sentiment_score":-0.013767439872026443},{"word":"guy","start":1746.505,"end":1746.825,"confidence":0.76953125,"punctuated_word":"guy.","sentiment":"neutral","sentiment_score":-0.015547936782240868},{"word":"so","start":1746.825,"end":1747.325,"confidence":0.9790039,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.030187416821718216},{"word":"i","start":1747.865,"end":1748.025,"confidence":0.73876953,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04151637479662895},{"word":"just","start":1748.025,"end":1748.345,"confidence":0.9453125,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06310445070266724},{"word":"hear","start":1748.345,"end":1748.585,"confidence":0.95166016,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":0.0885067880153656},{"word":"that","start":1748.585,"end":1748.825,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10822198539972304},{"word":"we","start":1748.825,"end":1748.905,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11982710659503935},{"word":"can","start":1748.905,"end":1749.24,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15936341881752014},{"word":"we","start":1749.32,"end":1749.4,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1874099224805832},{"word":"can","start":1749.4,"end":1749.64,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.20555219054222107},{"word":"put","start":1749.64,"end":1749.72,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.18908379971981049},{"word":"a","start":1749.72,"end":1749.96,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1841728240251541},{"word":"plan","start":1749.96,"end":1750.28,"confidence":1.0,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.1986166685819626},{"word":"together","start":1750.28,"end":1750.6,"confidence":1.0,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.22539666295051575},{"word":"and","start":1750.6,"end":1751.1,"confidence":0.63793945,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.11542090773582458},{"word":"yeah","start":1751.24,"end":1751.64,"confidence":0.7492676,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.29006651043891907},{"word":"i'm","start":1751.64,"end":1751.8,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.33913278579711914},{"word":"all","start":1751.8,"end":1751.96,"confidence":0.99609375,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.39940595626831055},{"word":"for","start":1751.96,"end":1752.2,"confidence":0.99902344,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4035355746746063},{"word":"it","start":1752.2,"end":1752.52,"confidence":0.9848633,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.266055703163147},{"word":"so","start":1752.52,"end":1753.02,"confidence":0.98828125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3132093846797943},{"word":"yeah","start":1753.4,"end":1753.9,"confidence":0.9116211,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.120868481695652},{"word":"yeah","start":1756.04,"end":1756.54,"confidence":0.97094727,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0402139350771904},{"word":"yep","start":1757.96,"end":1758.46,"confidence":0.967041,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14899343252182007},{"word":"perfect","start":1758.92,"end":1759.42,"confidence":0.9448242,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.43845006823539734},{"word":"sure","start":1769.415,"end":1769.915,"confidence":0.97631836,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.03280465304851532},{"word":"oh","start":1774.65,"end":1774.7301,"confidence":0.83154297,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.25793176889419556},{"word":"i've","start":1774.7301,"end":1774.89,"confidence":0.9951172,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.21869608759880063},{"word":"just","start":1774.89,"end":1775.13,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17516130208969116},{"word":"done","start":1775.13,"end":1775.37,"confidence":0.99902344,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.21789875626564023},{"word":"it","start":1775.37,"end":1775.6101,"confidence":0.99365234,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.21300089359283447},{"word":"yeah","start":1775.6101,"end":1775.8501,"confidence":0.7324219,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15759649872779846},{"word":"that's","start":1775.8501,"end":1776.17,"confidence":0.97875977,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.26915842294692993},{"word":"done","start":1776.17,"end":1776.67,"confidence":0.9916992,"punctuated_word":"done.","sentiment":"neutral","sentiment_score":0.26142844557762146},{"word":"perfect","start":1795.1449,"end":1795.6449,"confidence":0.9663086,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.777502179145813},{"word":"sounds","start":1795.865,"end":1796.1849,"confidence":0.9760742,"punctuated_word":"Sounds","sentiment":"positive","sentiment_score":0.8500055074691772},{"word":"awesome","start":1796.1849,"end":1796.6849,"confidence":1.0,"punctuated_word":"awesome.","sentiment":"positive","sentiment_score":0.8437327146530151},{"word":"no","start":1801.1,"end":1801.26,"confidence":0.91137695,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.06407123804092407},{"word":"thank","start":1801.26,"end":1801.5,"confidence":0.8154297,"punctuated_word":"Thank","sentiment":"neutral","sentiment_score":0.2786175012588501},{"word":"you","start":1801.5,"end":1801.74,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.39838671684265137},{"word":"for","start":1801.74,"end":1801.9,"confidence":0.99609375,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.43027523159980774},{"word":"your","start":1801.9,"end":1802.06,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.26802414655685425},{"word":"time","start":1802.06,"end":1802.3,"confidence":0.99658203,"punctuated_word":"time,","sentiment":"positive","sentiment_score":0.3559097647666931},{"word":"dana","start":1802.3,"end":1802.8,"confidence":0.86694336,"punctuated_word":"Dana.","sentiment":"positive","sentiment_score":0.4310206770896912},{"word":"it's","start":1802.9401,"end":1803.26,"confidence":0.98999023,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.1369742602109909},{"word":"it's","start":1803.26,"end":1803.42,"confidence":0.89453125,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.009314566850662231},{"word":"good","start":1803.42,"end":1803.66,"confidence":0.99902344,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.0275714248418808},{"word":"to","start":1803.66,"end":1803.74,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10606995970010756},{"word":"chat","start":1803.74,"end":1803.98,"confidence":0.9550781,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":0.20786115527153015},{"word":"with","start":1803.98,"end":1804.14,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2652702331542969},{"word":"you","start":1804.14,"end":1804.3,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2264953255653381},{"word":"again","start":1804.3,"end":1804.78,"confidence":0.7885742,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":0.16937045753002167},{"word":"and","start":1804.78,"end":1805.02,"confidence":0.8120117,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.04421929270029068},{"word":"yeah","start":1805.02,"end":1805.52,"confidence":0.8911133,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.027093812823295593},{"word":"we'll","start":1807.1,"end":1807.34,"confidence":0.76293945,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":-0.03708501532673836},{"word":"not","start":1807.34,"end":1807.5,"confidence":0.66015625,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.09037329256534576},{"word":"have","start":1807.5,"end":1807.66,"confidence":0.3215332,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.12549006938934326},{"word":"that","start":1807.66,"end":1807.74,"confidence":0.70458984,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11156225949525832},{"word":"in","start":1807.74,"end":1807.9,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.15069162845611572},{"word":"a","start":1807.9,"end":1807.98,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.17625340819358826},{"word":"few","start":1807.98,"end":1808.22,"confidence":0.99902344,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.18442505598068237},{"word":"weeks","start":1808.22,"end":1808.72,"confidence":0.9975586,"punctuated_word":"weeks.","sentiment":"neutral","sentiment_score":-0.10013808310031892},{"word":"no","start":1816.4329,"end":1816.6729,"confidence":0.78564453,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.23142556846141815},{"word":"worries","start":1816.6729,"end":1816.8329,"confidence":0.9946289,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.2380672991275787},{"word":"you","start":1816.8329,"end":1817.0729,"confidence":0.98828125,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.27350476384162903},{"word":"too","start":1817.0729,"end":1817.393,"confidence":0.99072266,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":0.23287847638130188},{"word":"talk","start":1817.393,"end":1817.6329,"confidence":0.8857422,"punctuated_word":"Talk","sentiment":"neutral","sentiment_score":0.14659610390663147},{"word":"to","start":1817.6329,"end":1817.8729,"confidence":0.8964844,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21777641773223877},{"word":"dana","start":1817.8729,"end":1818.3729,"confidence":0.6407471,"punctuated_word":"Dana.","sentiment":"neutral","sentiment_score":0.24498037993907928},{"word":"okay","start":1819.5529,"end":1820.0529,"confidence":0.9506836,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.21099668741226196},{"word":"bye","start":1820.7529,"end":1821.2529,"confidence":0.98217773,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.1562432050704956}],"paragraphs":{"transcript":"\nDana? I'm so sorry. I, like, bumped my earbud and hung up on you. My apologies. No.\n\nThat's okay with me. Yes. Yeah. That's right. Who's that's just the kids.\n\nRight? That that's it? Yep. Yeah. That's it.\n\nYeah. Perfect. Yeah. Yeah. Who's that going through?\n\nIs that yep. Yeah. Sure. Wow. Go.\n\nOkay. Okay. Okay. No. I think that's okay.\n\nYeah. Yes. Sorry. No. I don't think so.\n\nNot at the moment. I just yeah. I just wanna leave it. Well, for the time being, anyway, I just haven't put any serious thought into that, and I just, yeah, I just gonna leave it alone and for the time being. Like, when when we talk soon and things start getting back to where they should, then I'll make some considerations for that sort of stuff.\n\nBut, yeah, it's all good for now. Okay. Perfect. Yeah. Yeah.\n\nI had I had trauma at first, and and then I just okay. It kept coming out. I'm like, you know, when you just feel like there's no need. So and and since then, I mean, it's been a couple of years now that there's been no trauma. I'm not saying there isn't gonna be trauma, but so far so good.\n\nSo, yeah, I'll be just I'll I'll leave that alone again for the time being just until, yeah, things balance out. Yeah. 100%. I mean, if I can do that, great. I mean, any any any chance to stop working early, I would tag.\n\nBut I feel like maybe I don't know. I wouldn't say too little, too late, but I'll probably just be stepping back a little bit when I get to that age as opposed to stopping completely. So I don't know. I guess we'll just see how things go over that next ten years. But look, any chance I I could get to get out of, you know, the daily grind, I would take it.\n\nYou know? What do you think about, like, if if I forget the super to two fifty k, basically, as quick as possible to let that run then as as, you know, as you mentioned earlier, and then to flip the focus onto something or maybe doing both at the same time, like, you know, investing extra cash into the super to get it where it needs to be quicker. And then, yeah, and then with one of your ideas outside of super, you know, to do maybe do that at the same time or after. I don't know. Yeah.\n\nThat's sort of where my head's going at the minute. Okay. No. It's not. Okay.\n\nOkay. So I think I like, I should be pretty comfy putting away $400 a week and then still having a little bit to play with. But, like because I'm paying $6.50 in rent. I pay $3.50 towards maintenance a week, and it's just a massive killer. I'm like, oh, yeah.\n\nAnd then I've got so I've got about $7,800 left over each week. And when you think about, you know, the funds you put aside for the daily and, you you know, just your regular bills and things like that and groceries, yeah, I think I'm comfortably doing something with $400 a week, whether it go into savings or whether it go you know? It's it's annual review time too, so we've had a pretty solid year. I'm expecting something good to come from that over the sort of next couple of months, which is which would be nice. Yeah.\n\nBut right now yeah. Once while this house thing is happening, everything is going into it. And, yeah, I I sorta walked away from where I was with a bit I don't know. $10.15 grand and, you know, sort of setting myself up and then just trying to keep this, you know, making these house payments, which is, like, 2 and a half grand a month. It's just knocked me down a few pegs.\n\nSo right now, yeah, the savings are null and void. But, yeah, it's, you know yeah. Greenier past greeny pastures are coming. You know? Yeah.\n\nAnd that's been you know? Yeah. That that'll do. Like, I mean, I don't have much. I'm not a a heaps of stuff that it's happening.\n\nI don't have much. Yeah. So that should cover it. Yes. So, look, that's 3 50 a week that I said is maintenance.\n\nSo $50 a week from that is basically going into what is remaining on that. So it wasn't about 10 k, and now it's at about $8.08 k. And Em, who's the kid's mother, she's basically just putting feeding into that loan, you know, with that. So yeah. So there's about $8 there.\n\nAnd look. What I guess to clear that, basically, once this house gets settled and I get my half from the from the sale, I think because we've we've we're selling it for $9.00 5. It costs us, like, $8.14. We've already pumped, you know, a whole bunch of money into it just to, you know, to cover repayments and stuff. So I don't know.\n\nI think maybe between us, we're look maybe, I don't know, $80, and then we split that. And then I've got to think of the capital gains, and I've got to pay that money back I wanna like, I I just want to be completely clear by the time this thing's finished. So I I'm yeah. Not sure what I'm gonna have left over, but I will be at least debt free. So That's right.\n\nYeah. I'm I'm I'm looking forward to it. Yeah. No. No.\n\nWe were going through that. We were talking about that, and then everything sorta changed. But, yeah, look, you know, the thoughts in the back of my mind, it always is. And I think for the most part, the reason I'm thinking about it is that without the will, I mean, even those insurances and, you know, beneficiaries can be thrown into a bit of calamity if if I don't have a will. Is that is that correct?\n\nWhat? Yes. What? Yeah. Okay.\n\nOkay. No. She was she she she was she she was the good one with money. Not that I'm not that I'm terrible with money, but she was good with money. And and we've been feeding the kids' accounts since they were born.\n\nSo, yeah, we're we're all over that sort of that sort of things. And, yeah, full full trusting her to do, you know, what what she'd need to do. Yeah. Yeah. Okay.\n\nOkay. Okay. There Yeah. Uh-huh. All good.\n\nYeah. Absolutely. Yeah. Yes, please. Yeah.\n\nNo. Not at all. No. I think we're all good. Like, I I am just, you know, we have a conversation.\n\nI'm I'm interested in that conversation in a couple of weeks and moving forward. Yeah. Yep. Yes. Same here.\n\nSounds fun. Yep. Not really. I think, you know, cash flow is a big one for me. Like, it's just cash flow and and a long term plan, you know, a long term plan.\n\nI just wanna yeah. I wanna be as like, and I've got and, like, just another thing to think about is that I've got the kids too. So, you know, holidays and, you know, and and the education side of things and just making sure that we're we're covered as a family. Like, I mean, I'm not silly. I know how to budget and do what I need to do, but I want I just wanna be go out of the best way, the best possible way.\n\nAnd so, you know, with with what I have. And I'm I'm sort of hoping that by the time we do have our next conversation, that maybe, you know, we've already had the discussions at work. And, you know, looking forward, we sort of got some maybe some new numbers to play with, but we'll just see how that goes. You know? But when that when that change happens anyway, if it happens to happen after, then we just implement it when it happens.\n\nAnd yeah. Yeah. Okay. No. That's cool.\n\nLove it. This this this conversation that we're gonna have, is it over the phone again? Can I come and see you? Or I think in person. I don't know.\n\nI've just yeah. It's yeah. Yeah. That's right. I could go go for some lunch and then come and see you.\n\nYou know? Yeah. Yep. Okay. Oh my god.\n\nYeah. Gotcha. No. That's that's fine. Yeah.\n\nNo. I won't I won't do that to you. Let's see. I'm looking. Okay.\n\nCool. Yeah. Yeah. I I I think so too. That's awesome.\n\nOkay. Perfect. Alright. No. Not at all.\n\nNot at all. I I think, you know yeah. Look. I'm I'm a pretty basic guy. So I just hear that we can we can put a plan together and, yeah, I'm all for it.\n\nSo yeah. Yeah. Yep. Perfect. Sure.\n\nOh, I've just done it. Yeah. That's done. Perfect. Sounds awesome.\n\nNo. Thank you for your time, Dana. It's it's good to chat with you again. And, yeah, we'll not have that in a few weeks. No worries.\n\nYou too. Talk to Dana. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Dana?","start":2.48,"end":2.98,"sentiment":"neutral","sentiment_score":0.007261529564857483},{"text":"I'm so sorry.","start":4.64,"end":5.6,"sentiment":"neutral","sentiment_score":-0.13350777824719748},{"text":"I, like, bumped my earbud and hung up on you.","start":5.6,"end":8.24,"sentiment":"neutral","sentiment_score":-0.3135708779096603},{"text":"My apologies.","start":8.24,"end":8.9,"sentiment":"neutral","sentiment_score":-0.28911489248275757},{"text":"No.","start":13.945,"end":14.344999,"sentiment":"neutral","sentiment_score":-0.2020128071308136}],"sentiment":"neutral","sentiment_score":-0.2534831280217451,"num_words":17,"start":2.48,"end":14.344999},{"sentences":[{"text":"That's okay with me.","start":14.344999,"end":25.474998,"sentiment":"neutral","sentiment_score":-0.0286713857203722},{"text":"Yes.","start":25.474998,"end":25.8,"sentiment":"neutral","sentiment_score":0.11303684115409852},{"text":"Yeah.","start":30.519999,"end":30.84,"sentiment":"neutral","sentiment_score":0.15705031156539917},{"text":"That's right.","start":30.84,"end":31.66,"sentiment":"neutral","sentiment_score":0.16988568007946014},{"text":"Who's that's just the kids.","start":31.8,"end":33.399998,"sentiment":"neutral","sentiment_score":0.11515991166234016}],"sentiment":"neutral","sentiment_score":0.08238250217758693,"num_words":13,"start":14.344999,"end":33.399998},{"sentences":[{"text":"Right?","start":33.399998,"end":33.8,"sentiment":"neutral","sentiment_score":0.09918873012065887},{"text":"That that's it?","start":33.8,"end":34.699997,"sentiment":"neutral","sentiment_score":0.09895764787991841},{"text":"Yep.","start":35.399998,"end":35.899998,"sentiment":"neutral","sentiment_score":0.06774358451366425},{"text":"Yeah.","start":36.84,"end":37.079998,"sentiment":"neutral","sentiment_score":0.07289351522922516},{"text":"That's it.","start":37.079998,"end":37.559998,"sentiment":"neutral","sentiment_score":0.10571590438485146}],"sentiment":"neutral","sentiment_score":0.0935163227841258,"num_words":8,"start":33.399998,"end":37.559998},{"sentences":[{"text":"Yeah.","start":37.559998,"end":37.8,"sentiment":"neutral","sentiment_score":0.264882892370224},{"text":"Perfect.","start":37.8,"end":38.265,"sentiment":"positive","sentiment_score":0.5870012640953064},{"text":"Yeah.","start":54.09,"end":54.57,"sentiment":"neutral","sentiment_score":0.045853205025196075},{"text":"Yeah.","start":54.57,"end":55.07,"sentiment":"neutral","sentiment_score":0.038709044456481934},{"text":"Who's that going through?","start":55.129997,"end":56.41,"sentiment":"neutral","sentiment_score":0.03419088711962104}],"sentiment":"neutral","sentiment_score":0.13415124430321157,"num_words":8,"start":37.559998,"end":56.41},{"sentences":[{"text":"Is that yep.","start":56.41,"end":68.75,"sentiment":"neutral","sentiment_score":0.0706858014067014},{"text":"Yeah.","start":81.735,"end":82.235,"sentiment":"neutral","sentiment_score":0.01950380392372608},{"text":"Sure.","start":89.73,"end":90.23,"sentiment":"neutral","sentiment_score":0.16169819235801697},{"text":"Wow.","start":117.66,"end":118.16,"sentiment":"neutral","sentiment_score":-0.13169655203819275},{"text":"Go.","start":173.26999,"end":173.51,"sentiment":"neutral","sentiment_score":0.01182166300714016}],"sentiment":"neutral","sentiment_score":0.039054930210113525,"num_words":7,"start":56.41,"end":173.51},{"sentences":[{"text":"Okay.","start":173.51,"end":173.985,"sentiment":"neutral","sentiment_score":0.08348488807678223},{"text":"Okay.","start":182.625,"end":183.125,"sentiment":"neutral","sentiment_score":0.040394533425569534},{"text":"Okay.","start":183.345,"end":183.845,"sentiment":"neutral","sentiment_score":0.07252129167318344},{"text":"No.","start":203.535,"end":203.935,"sentiment":"neutral","sentiment_score":-0.04344308003783226},{"text":"I think that's okay.","start":203.935,"end":204.995,"sentiment":"neutral","sentiment_score":-0.016560487216338515}],"sentiment":"neutral","sentiment_score":0.01083946053404361,"num_words":8,"start":173.51,"end":204.995},{"sentences":[{"text":"Yeah.","start":205.135,"end":205.635,"sentiment":"neutral","sentiment_score":0.12417131662368774},{"text":"Yes.","start":222.67,"end":222.945,"sentiment":"neutral","sentiment_score":0.13088135421276093},{"text":"Sorry.","start":274.995,"end":275.495,"sentiment":"neutral","sentiment_score":-0.014384668320417404},{"text":"No.","start":276.915,"end":277.23502,"sentiment":"neutral","sentiment_score":-0.17674818634986875},{"text":"I don't think so.","start":277.23502,"end":277.875,"sentiment":"neutral","sentiment_score":-0.17831675708293915}],"sentiment":"neutral","sentiment_score":-0.08116840152069926,"num_words":8,"start":205.135,"end":277.875},{"sentences":[{"text":"Not at the moment.","start":277.875,"end":278.595,"sentiment":"neutral","sentiment_score":-0.2003258615732193},{"text":"I just yeah.","start":278.595,"end":279.895,"sentiment":"neutral","sentiment_score":-0.05889253815015157},{"text":"I just wanna leave it.","start":280.035,"end":281.495,"sentiment":"neutral","sentiment_score":-0.03058181591331959},{"text":"Well, for the time being, anyway, I just haven't put any serious thought into that, and I just, yeah, I just gonna leave it alone and for the time being.","start":282.035,"end":290.4,"sentiment":"neutral","sentiment_score":0.002740772378941377},{"text":"Like, when when we talk soon and things start getting back to where they should, then I'll make some considerations for that sort of stuff.","start":290.4,"end":297.28,"sentiment":"neutral","sentiment_score":0.028860866203904153}],"sentiment":"neutral","sentiment_score":-0.004882765878269922,"num_words":67,"start":277.875,"end":297.28},{"sentences":[{"text":"But, yeah, it's all good for now.","start":297.28,"end":300.855,"sentiment":"positive","sentiment_score":0.4214701460940497},{"text":"Okay.","start":331.845,"end":332.345,"sentiment":"positive","sentiment_score":0.493553102016449},{"text":"Perfect.","start":332.405,"end":332.905,"sentiment":"positive","sentiment_score":0.6763162016868591},{"text":"Yeah.","start":404.27,"end":404.67,"sentiment":"neutral","sentiment_score":-0.02307925373315811},{"text":"Yeah.","start":404.67,"end":404.99,"sentiment":"neutral","sentiment_score":-0.014232050627470016}],"sentiment":"positive","sentiment_score":0.37116809290918434,"num_words":11,"start":297.28,"end":404.99},{"sentences":[{"text":"I had I had trauma at first, and and then I just okay.","start":404.99,"end":409.165,"sentiment":"neutral","sentiment_score":-0.10470281598659661},{"text":"It kept coming out.","start":409.165,"end":410.125,"sentiment":"neutral","sentiment_score":-0.2557455040514469},{"text":"I'm like, you know, when you just feel like there's no need.","start":410.125,"end":414.305,"sentiment":"neutral","sentiment_score":-0.24201907590031624},{"text":"So and and since then, I mean, it's been a couple of years now that there's been no trauma.","start":415.405,"end":420.285,"sentiment":"neutral","sentiment_score":-0.006582904541573953},{"text":"I'm not saying there isn't gonna be trauma, but so far so good.","start":420.285,"end":424.79,"sentiment":"neutral","sentiment_score":0.05246845897860252}],"sentiment":"neutral","sentiment_score":-0.07756283203940018,"num_words":61,"start":404.99,"end":424.79},{"sentences":[{"text":"So, yeah, I'll be just I'll I'll leave that alone again for the time being just until, yeah, things balance out.","start":424.79,"end":430.73,"sentiment":"neutral","sentiment_score":0.05037119363745054},{"text":"Yeah.","start":461.235,"end":461.555,"sentiment":"neutral","sentiment_score":0.11264348030090332},{"text":"100%.","start":461.555,"end":462.19498,"sentiment":"neutral","sentiment_score":0.1402006298303604},{"text":"I mean, if I can do that, great.","start":462.19498,"end":463.895,"sentiment":"neutral","sentiment_score":0.08078764611855149},{"text":"I mean, any any any chance to stop working early, I would tag.","start":464.035,"end":469.175,"sentiment":"neutral","sentiment_score":-0.0211524201127199}],"sentiment":"neutral","sentiment_score":0.03822633827274496,"num_words":44,"start":424.79,"end":469.175},{"sentences":[{"text":"But I feel like maybe I don't know.","start":470.275,"end":473.43002,"sentiment":"neutral","sentiment_score":-0.05283837579190731},{"text":"I wouldn't say too little, too late, but I'll probably just be stepping back a little bit when I get to that age as opposed to stopping completely.","start":473.43002,"end":480.09003,"sentiment":"neutral","sentiment_score":-0.13148727613900388},{"text":"So I don't know.","start":480.15002,"end":482.31,"sentiment":"neutral","sentiment_score":-0.0369754396378994},{"text":"I guess we'll just see how things go over that next ten years.","start":482.31,"end":484.79,"sentiment":"neutral","sentiment_score":-0.010697618126869202},{"text":"But look, any chance I I could get to get out of, you know, the daily grind, I would take it.","start":484.79,"end":490.585,"sentiment":"neutral","sentiment_score":0.1546434135664077}],"sentiment":"neutral","sentiment_score":-0.015456889831536525,"num_words":74,"start":470.275,"end":490.585},{"sentences":[{"text":"You know?","start":490.645,"end":491.305,"sentiment":"neutral","sentiment_score":0.08419263735413551},{"text":"What do you think about, like, if if I forget the super to two fifty k, basically, as quick as possible to let that run then as as, you know, as you mentioned earlier, and then to flip the focus onto something or maybe doing both at the same time, like, you know, investing extra cash into the super to get it where it needs to be quicker.","start":509.46,"end":529.58997,"sentiment":"neutral","sentiment_score":0.13798966012237704},{"text":"And then, yeah, and then with one of your ideas outside of super, you know, to do maybe do that at the same time or after.","start":531.08997,"end":538.52997,"sentiment":"neutral","sentiment_score":0.11613391526043415},{"text":"I don't know.","start":538.52997,"end":539.33,"sentiment":"neutral","sentiment_score":-0.04065705897907416},{"text":"Yeah.","start":539.33,"end":539.57,"sentiment":"neutral","sentiment_score":0.012918386608362198}],"sentiment":"neutral","sentiment_score":0.12462111169472337,"num_words":100,"start":490.645,"end":539.57},{"sentences":[{"text":"That's sort of where my head's going at the minute.","start":539.57,"end":542.685,"sentiment":"neutral","sentiment_score":-0.009976849192753434},{"text":"Okay.","start":587.51,"end":588.01,"sentiment":"neutral","sentiment_score":0.25263503193855286},{"text":"No.","start":606.70996,"end":606.94995,"sentiment":"neutral","sentiment_score":-0.2433246523141861},{"text":"It's not.","start":606.94995,"end":607.76996,"sentiment":"neutral","sentiment_score":-0.2219286412000656},{"text":"Okay.","start":607.91,"end":608.41,"sentiment":"neutral","sentiment_score":0.0030314363539218903}],"sentiment":"neutral","sentiment_score":-0.03541893055662513,"num_words":15,"start":539.57,"end":608.41},{"sentences":[{"text":"Okay.","start":616.14996,"end":616.64996,"sentiment":"neutral","sentiment_score":0.29388850927352905},{"text":"So I think I like, I should be pretty comfy putting away $400 a week and then still having a little bit to play with.","start":630.06,"end":639.26,"sentiment":"neutral","sentiment_score":0.27856321513652804},{"text":"But, like because I'm paying $6.50 in rent.","start":639.26,"end":641.42004,"sentiment":"neutral","sentiment_score":-0.006544371775817126},{"text":"I pay $3.50 towards maintenance a week, and it's just a massive killer.","start":641.42004,"end":648.605,"sentiment":"neutral","sentiment_score":0.02103996047606835},{"text":"I'm like, oh, yeah.","start":648.605,"end":649.745,"sentiment":"neutral","sentiment_score":0.11983997374773026}],"sentiment":"neutral","sentiment_score":0.1560488881305883,"num_words":51,"start":616.14996,"end":649.745},{"sentences":[{"text":"And then I've got so I've got about $7,800 left over each week.","start":650.605,"end":654.125,"sentiment":"neutral","sentiment_score":0.10552896215365483},{"text":"And when you think about, you know, the funds you put aside for the daily and, you you know, just your regular bills and things like that and groceries, yeah, I think I'm comfortably doing something with $400 a week, whether it go into savings or whether it go you know?","start":654.125,"end":670.86,"sentiment":"neutral","sentiment_score":0.12768306261768528},{"text":"It's it's annual review time too, so we've had a pretty solid year.","start":671.585,"end":675.66504,"sentiment":"positive","sentiment_score":0.5519355718906109},{"text":"I'm expecting something good to come from that over the sort of next couple of months, which is which would be nice.","start":675.66504,"end":682.405,"sentiment":"positive","sentiment_score":0.45035103234377777},{"text":"Yeah.","start":684.385,"end":684.625,"sentiment":"neutral","sentiment_score":0.1229618638753891}],"sentiment":"neutral","sentiment_score":0.250895597115159,"num_words":100,"start":650.605,"end":684.625},{"sentences":[{"text":"But right now yeah.","start":684.625,"end":686.625,"sentiment":"neutral","sentiment_score":0.08921200223267078},{"text":"Once while this house thing is happening, everything is going into it.","start":686.625,"end":690.44,"sentiment":"neutral","sentiment_score":0.07801950474580129},{"text":"And, yeah, I I sorta walked away from where I was with a bit I don't know.","start":690.44,"end":698.12,"sentiment":"neutral","sentiment_score":-0.10320976217660834},{"text":"$10.15 grand and, you know, sort of setting myself up and then just trying to keep this, you know, making these house payments, which is, like, 2 and a half grand a month.","start":698.12,"end":707.585,"sentiment":"neutral","sentiment_score":-0.032981805221149414},{"text":"It's just knocked me down a few pegs.","start":708.045,"end":709.885,"sentiment":"neutral","sentiment_score":-0.12903608148917556}],"sentiment":"neutral","sentiment_score":-0.03489421777477538,"num_words":74,"start":684.625,"end":709.885},{"sentences":[{"text":"So right now, yeah, the savings are null and void.","start":709.885,"end":714.29004,"sentiment":"neutral","sentiment_score":-0.20207780748605728},{"text":"But, yeah, it's, you know yeah.","start":714.35004,"end":718.61005,"sentiment":"neutral","sentiment_score":-0.04080826137214899},{"text":"Greenier past greeny pastures are coming.","start":718.75,"end":720.83,"sentiment":"neutral","sentiment_score":-0.046094149351119995},{"text":"You know?","start":720.83,"end":721.49,"sentiment":"neutral","sentiment_score":-0.018922647461295128},{"text":"Yeah.","start":737.245,"end":737.645,"sentiment":"neutral","sentiment_score":-0.003809205256402493}],"sentiment":"neutral","sentiment_score":-0.10335388157516717,"num_words":25,"start":709.885,"end":737.645},{"sentences":[{"text":"And that's been you know?","start":737.645,"end":739.44,"sentiment":"neutral","sentiment_score":-0.01234267596155405},{"text":"Yeah.","start":741.2,"end":741.6,"sentiment":"neutral","sentiment_score":-0.041669413447380066},{"text":"That that'll do.","start":741.6,"end":742.48,"sentiment":"neutral","sentiment_score":-0.07716905325651169},{"text":"Like, I mean, I don't have much.","start":742.48,"end":744.0,"sentiment":"neutral","sentiment_score":-0.15847988107374736},{"text":"I'm not a a heaps of stuff that it's happening.","start":744.0,"end":746.5,"sentiment":"neutral","sentiment_score":-0.19419362246990204}],"sentiment":"neutral","sentiment_score":-0.13023789789384374,"num_words":26,"start":737.645,"end":746.5},{"sentences":[{"text":"I don't have much.","start":746.72003,"end":747.68,"sentiment":"neutral","sentiment_score":-0.2006864957511425},{"text":"Yeah.","start":747.68,"end":748.18,"sentiment":"neutral","sentiment_score":-0.04614837467670441},{"text":"So that should cover it.","start":748.96,"end":750.34,"sentiment":"neutral","sentiment_score":-0.029303569346666336},{"text":"Yes.","start":765.14,"end":765.54,"sentiment":"neutral","sentiment_score":0.01583440788090229},{"text":"So, look, that's 3 50 a week that I said is maintenance.","start":765.54,"end":768.44,"sentiment":"neutral","sentiment_score":0.005833194823935628}],"sentiment":"neutral","sentiment_score":-0.039546932984629406,"num_words":23,"start":746.72003,"end":768.44},{"sentences":[{"text":"So $50 a week from that is basically going into what is remaining on that.","start":768.5,"end":773.86,"sentiment":"neutral","sentiment_score":0.014022570693244536},{"text":"So it wasn't about 10 k, and now it's at about $8.08 k.","start":773.86,"end":779.06,"sentiment":"neutral","sentiment_score":0.009499091869936539},{"text":"And Em, who's the kid's mother, she's basically just putting feeding into that loan, you know, with that.","start":779.06,"end":788.005,"sentiment":"neutral","sentiment_score":0.0043312577537209206},{"text":"So yeah.","start":788.005,"end":790.165,"sentiment":"neutral","sentiment_score":0.006381905637681484},{"text":"So there's about $8 there.","start":790.165,"end":791.445,"sentiment":"neutral","sentiment_score":0.005976724624633789}],"sentiment":"neutral","sentiment_score":0.008574279786289652,"num_words":53,"start":768.5,"end":791.445},{"sentences":[{"text":"And look.","start":791.445,"end":791.84503,"sentiment":"neutral","sentiment_score":0.0030892568174749613},{"text":"What I guess to clear that, basically, once this house gets settled and I get my half from the from the sale, I think because we've we've we're selling it for $9.00 5.","start":791.84503,"end":803.33997,"sentiment":"neutral","sentiment_score":0.003968628772506208},{"text":"It costs us, like, $8.14.","start":803.33997,"end":804.8,"sentiment":"neutral","sentiment_score":-0.0074382837861776355},{"text":"We've already pumped, you know, a whole bunch of money into it just to, you know, to cover repayments and stuff.","start":806.22,"end":812.65497,"sentiment":"neutral","sentiment_score":-0.0024427714358483043},{"text":"So I don't know.","start":813.755,"end":814.715,"sentiment":"neutral","sentiment_score":-0.002347385510802269}],"sentiment":"neutral","sentiment_score":0.0006040631077037407,"num_words":65,"start":791.445,"end":814.715},{"sentences":[{"text":"I think maybe between us, we're look maybe, I don't know, $80, and then we split that.","start":814.715,"end":819.515,"sentiment":"neutral","sentiment_score":-0.011679753277669935},{"text":"And then I've got to think of the capital gains, and I've got to pay that money back I wanna like, I I just want to be completely clear by the time this thing's finished.","start":819.515,"end":828.9,"sentiment":"neutral","sentiment_score":0.0007262261783970254},{"text":"So I I'm yeah.","start":828.96,"end":830.48004,"sentiment":"neutral","sentiment_score":0.023563491413369775},{"text":"Not sure what I'm gonna have left over, but I will be at least debt free.","start":830.48004,"end":834.74,"sentiment":"neutral","sentiment_score":0.002543977170716971},{"text":"So That's right.","start":834.8,"end":851.31,"sentiment":"neutral","sentiment_score":0.02152556972578168}],"sentiment":"neutral","sentiment_score":0.00035195226781070243,"num_words":75,"start":814.715,"end":851.31},{"sentences":[{"text":"Yeah.","start":851.31,"end":851.79004,"sentiment":"neutral","sentiment_score":0.08052580058574677},{"text":"I'm I'm I'm looking forward to it.","start":851.79004,"end":853.79004,"sentiment":"neutral","sentiment_score":0.3010892612593515},{"text":"Yeah.","start":853.79004,"end":854.29004,"sentiment":"neutral","sentiment_score":0.1782556027173996},{"text":"No.","start":868.44495,"end":868.94495,"sentiment":"neutral","sentiment_score":-0.04579932242631912},{"text":"No.","start":875.96497,"end":876.45,"sentiment":"neutral","sentiment_score":-0.0527820810675621}],"sentiment":"neutral","sentiment_score":0.20616589351133865,"num_words":11,"start":851.31,"end":876.45},{"sentences":[{"text":"We were going through that.","start":889.195,"end":890.71497,"sentiment":"neutral","sentiment_score":-0.03479699268937111},{"text":"We were talking about that, and then everything sorta changed.","start":890.71497,"end":893.675,"sentiment":"neutral","sentiment_score":-0.03550292328000069},{"text":"But, yeah, look, you know, the thoughts in the back of my mind, it always is.","start":893.675,"end":898.15497,"sentiment":"neutral","sentiment_score":-0.009377992944791913},{"text":"And I think for the most part, the reason I'm thinking about it is that without the will, I mean, even those insurances and, you know, beneficiaries can be thrown into a bit of calamity if if I don't have a will.","start":898.15497,"end":912.0,"sentiment":"neutral","sentiment_score":-0.3004193806222507},{"text":"Is that is that correct?","start":912.0,"end":913.22003,"sentiment":"neutral","sentiment_score":-0.011354228854179383}],"sentiment":"neutral","sentiment_score":-0.17119804120216614,"num_words":78,"start":889.195,"end":913.22003},{"sentences":[{"text":"What?","start":930.04,"end":930.54,"sentiment":"neutral","sentiment_score":-0.0940137654542923},{"text":"Yes.","start":941.895,"end":942.395,"sentiment":"neutral","sentiment_score":0.16946977376937866},{"text":"What?","start":970.885,"end":971.385,"sentiment":"neutral","sentiment_score":-0.07359519600868225},{"text":"Yeah.","start":1079.9501,"end":1080.27,"sentiment":"neutral","sentiment_score":0.11636357009410858},{"text":"Okay.","start":1080.27,"end":1080.77,"sentiment":"neutral","sentiment_score":0.10387326776981354}],"sentiment":"neutral","sentiment_score":0.04441953003406525,"num_words":5,"start":930.04,"end":1080.77},{"sentences":[{"text":"Okay.","start":1082.3501,"end":1082.8501,"sentiment":"neutral","sentiment_score":-0.04639803618192673},{"text":"No.","start":1098.3651,"end":1098.6051,"sentiment":"neutral","sentiment_score":-0.15739846229553223},{"text":"She was she she she was she she was the good one with money.","start":1098.6051,"end":1102.62,"sentiment":"neutral","sentiment_score":-0.0035519812788282123},{"text":"Not that I'm not that I'm terrible with money, but she was good with money.","start":1102.62,"end":1106.22,"sentiment":"neutral","sentiment_score":-0.05934694061676661},{"text":"And and we've been feeding the kids' accounts since they were born.","start":1106.22,"end":1109.6599,"sentiment":"neutral","sentiment_score":0.05522547600169977}],"sentiment":"neutral","sentiment_score":-0.0111865728747013,"num_words":43,"start":1082.3501,"end":1109.6599},{"sentences":[{"text":"So, yeah, we're we're all over that sort of that sort of things.","start":1109.6599,"end":1115.445,"sentiment":"neutral","sentiment_score":0.20237719210294577},{"text":"And, yeah, full full trusting her to do, you know, what what she'd need to do.","start":1116.4049,"end":1120.485,"sentiment":"positive","sentiment_score":0.4897727333009243},{"text":"Yeah.","start":1120.485,"end":1120.965,"sentiment":"neutral","sentiment_score":0.13585107028484344},{"text":"Yeah.","start":1120.965,"end":1121.465,"sentiment":"neutral","sentiment_score":0.1522120237350464},{"text":"Okay.","start":1188.3201,"end":1188.765,"sentiment":"neutral","sentiment_score":0.2964968979358673}],"sentiment":"positive","sentiment_score":0.3453696006909013,"num_words":32,"start":1109.6599,"end":1188.765},{"sentences":[{"text":"Okay.","start":1225.515,"end":1226.015,"sentiment":"neutral","sentiment_score":0.102099671959877},{"text":"Okay.","start":1227.515,"end":1227.9,"sentiment":"neutral","sentiment_score":0.0912880152463913},{"text":"There Yeah.","start":1232.3,"end":1254.895,"sentiment":"neutral","sentiment_score":0.06265305541455746},{"text":"Uh-huh.","start":1255.115,"end":1255.435,"sentiment":"neutral","sentiment_score":0.16299492120742798},{"text":"All good.","start":1255.435,"end":1255.89,"sentiment":"positive","sentiment_score":0.43002815544605255}],"sentiment":"neutral","sentiment_score":0.19167786144784518,"num_words":7,"start":1225.515,"end":1255.89},{"sentences":[{"text":"Yeah.","start":1259.65,"end":1259.97,"sentiment":"neutral","sentiment_score":0.17270129919052124},{"text":"Absolutely.","start":1259.97,"end":1260.47,"sentiment":"neutral","sentiment_score":0.18911543488502505},{"text":"Yeah.","start":1300.255,"end":1300.5751,"sentiment":"neutral","sentiment_score":0.07715940475463867},{"text":"Yes, please.","start":1300.5751,"end":1301.3151,"sentiment":"neutral","sentiment_score":0.11646116524934769},{"text":"Yeah.","start":1355.0951,"end":1355.5951,"sentiment":"neutral","sentiment_score":-0.0007980158552527428}],"sentiment":"neutral","sentiment_score":0.11185007557893793,"num_words":6,"start":1259.65,"end":1355.5951},{"sentences":[{"text":"No.","start":1355.7351,"end":1356.135,"sentiment":"neutral","sentiment_score":-0.15315353870391846},{"text":"Not at all.","start":1356.135,"end":1356.87,"sentiment":"neutral","sentiment_score":-0.2002639869848887},{"text":"No.","start":1357.03,"end":1357.27,"sentiment":"neutral","sentiment_score":-0.23752453923225403},{"text":"I think we're all good.","start":1357.27,"end":1358.39,"sentiment":"neutral","sentiment_score":-0.1322581484913826},{"text":"Like, I I am just, you know, we have a conversation.","start":1358.39,"end":1361.43,"sentiment":"neutral","sentiment_score":-0.023960598490454933}],"sentiment":"neutral","sentiment_score":-0.09125368403536933,"num_words":21,"start":1355.7351,"end":1361.43},{"sentences":[{"text":"I'm I'm interested in that conversation in a couple of weeks and moving forward.","start":1361.43,"end":1366.33,"sentiment":"neutral","sentiment_score":-0.02752006529564304},{"text":"Yeah.","start":1366.47,"end":1366.97,"sentiment":"neutral","sentiment_score":0.08212826400995255},{"text":"Yep.","start":1375.765,"end":1376.265,"sentiment":"neutral","sentiment_score":0.1886557936668396},{"text":"Yes.","start":1386.02,"end":1386.52,"sentiment":"neutral","sentiment_score":0.025242621079087257},{"text":"Same here.","start":1419.41,"end":1420.05,"sentiment":"positive","sentiment_score":0.4045588821172714}],"sentiment":"neutral","sentiment_score":0.03788755415007472,"num_words":19,"start":1361.43,"end":1420.05},{"sentences":[{"text":"Sounds fun.","start":1420.05,"end":1420.755,"sentiment":"positive","sentiment_score":0.6022824048995972},{"text":"Yep.","start":1441.5801,"end":1442.0801,"sentiment":"neutral","sentiment_score":0.07346691936254501},{"text":"Not really.","start":1451.335,"end":1451.8949,"sentiment":"neutral","sentiment_score":-0.07436930760741234},{"text":"I think, you know, cash flow is a big one for me.","start":1451.8949,"end":1454.695,"sentiment":"neutral","sentiment_score":-0.05377681956936916},{"text":"Like, it's just cash flow and and a long term plan, you know, a long term plan.","start":1454.695,"end":1459.4149,"sentiment":"neutral","sentiment_score":0.02785752691766795}],"sentiment":"neutral","sentiment_score":0.028163212844554114,"num_words":34,"start":1420.05,"end":1459.4149},{"sentences":[{"text":"I just wanna yeah.","start":1459.4149,"end":1461.195,"sentiment":"neutral","sentiment_score":0.06691505294293165},{"text":"I wanna be as like, and I've got and, like, just another thing to think about is that I've got the kids too.","start":1461.255,"end":1467.8099,"sentiment":"neutral","sentiment_score":0.0617952280394409},{"text":"So, you know, holidays and, you know, and and the education side of things and just making sure that we're we're covered as a family.","start":1467.8099,"end":1475.49,"sentiment":"neutral","sentiment_score":0.11197499766945838},{"text":"Like, I mean, I'm not silly.","start":1475.49,"end":1477.025,"sentiment":"neutral","sentiment_score":0.009952088197072348},{"text":"I know how to budget and do what I need to do, but I want I just wanna be go out of the best way, the best possible way.","start":1477.025,"end":1483.905,"sentiment":"neutral","sentiment_score":0.07809810931312627}],"sentiment":"neutral","sentiment_score":0.07830900112274049,"num_words":87,"start":1459.4149,"end":1483.905},{"sentences":[{"text":"And so, you know, with with what I have.","start":1483.905,"end":1487.105,"sentiment":"neutral","sentiment_score":0.043258468310038246},{"text":"And I'm I'm sort of hoping that by the time we do have our next conversation, that maybe, you know, we've already had the discussions at work.","start":1487.105,"end":1496.9501,"sentiment":"neutral","sentiment_score":0.041442585074239306},{"text":"And, you know, looking forward, we sort of got some maybe some new numbers to play with, but we'll just see how that goes.","start":1497.81,"end":1505.005,"sentiment":"neutral","sentiment_score":0.04539754427969456},{"text":"You know?","start":1505.005,"end":1505.5851,"sentiment":"neutral","sentiment_score":0.02449536696076393},{"text":"But when that when that change happens anyway, if it happens to happen after, then we just implement it when it happens.","start":1505.885,"end":1512.9451,"sentiment":"neutral","sentiment_score":0.04908603565259413}],"sentiment":"neutral","sentiment_score":0.044365483247453256,"num_words":84,"start":1483.905,"end":1512.9451},{"sentences":[{"text":"And yeah.","start":1513.005,"end":1515.54,"sentiment":"neutral","sentiment_score":0.11775768920779228},{"text":"Yeah.","start":1537.555,"end":1538.055,"sentiment":"neutral","sentiment_score":0.0247882716357708},{"text":"Okay.","start":1562.705,"end":1563.205,"sentiment":"neutral","sentiment_score":0.041541844606399536},{"text":"No.","start":1577.6,"end":1577.76,"sentiment":"neutral","sentiment_score":-0.03587754815816879},{"text":"That's cool.","start":1577.76,"end":1578.4,"sentiment":"neutral","sentiment_score":0.18407941609621048}],"sentiment":"neutral","sentiment_score":0.09058953981314387,"num_words":7,"start":1513.005,"end":1578.4},{"sentences":[{"text":"Love it.","start":1578.4,"end":1578.795,"sentiment":"positive","sentiment_score":0.4339468777179718},{"text":"This this this conversation that we're gonna have, is it over the phone again?","start":1581.3551,"end":1585.1951,"sentiment":"neutral","sentiment_score":0.06663579134536642},{"text":"Can I come and see you?","start":1585.1951,"end":1586.3151,"sentiment":"neutral","sentiment_score":0.025379039036730926},{"text":"Or I think in person.","start":1586.3151,"end":1606.885,"sentiment":"neutral","sentiment_score":0.05306088626384735},{"text":"I don't know.","start":1606.885,"end":1607.4451,"sentiment":"neutral","sentiment_score":-0.03247647359967232}],"sentiment":"neutral","sentiment_score":0.07069813596705596,"num_words":30,"start":1578.4,"end":1607.4451},{"sentences":[{"text":"I've just yeah.","start":1607.4451,"end":1608.165,"sentiment":"neutral","sentiment_score":0.02863309532403946},{"text":"It's yeah.","start":1608.165,"end":1609.225,"sentiment":"neutral","sentiment_score":0.1463736966252327},{"text":"Yeah.","start":1610.805,"end":1611.285,"sentiment":"neutral","sentiment_score":0.20494304597377777},{"text":"That's right.","start":1611.285,"end":1611.845,"sentiment":"positive","sentiment_score":0.334256112575531},{"text":"I could go go for some lunch and then come and see you.","start":1611.845,"end":1614.3251,"sentiment":"neutral","sentiment_score":0.28908055791488063}],"sentiment":"neutral","sentiment_score":0.23857853348766053,"num_words":21,"start":1607.4451,"end":1614.3251},{"sentences":[{"text":"You know?","start":1614.3251,"end":1614.645,"sentiment":"neutral","sentiment_score":0.12133824825286865},{"text":"Yeah.","start":1614.645,"end":1615.145,"sentiment":"neutral","sentiment_score":0.2278139591217041},{"text":"Yep.","start":1628.3601,"end":1628.8601,"sentiment":"neutral","sentiment_score":0.2422480583190918},{"text":"Okay.","start":1636.695,"end":1637.195,"sentiment":"neutral","sentiment_score":0.03382773697376251},{"text":"Oh my god.","start":1643.75,"end":1644.65,"sentiment":"neutral","sentiment_score":0.13656867295503616}],"sentiment":"neutral","sentiment_score":0.14453403372317553,"num_words":8,"start":1614.3251,"end":1644.65},{"sentences":[{"text":"Yeah.","start":1658.905,"end":1659.225,"sentiment":"neutral","sentiment_score":0.10057660192251204},{"text":"Gotcha.","start":1659.225,"end":1659.725,"sentiment":"neutral","sentiment_score":0.03040800243616104},{"text":"No.","start":1666.745,"end":1666.985,"sentiment":"neutral","sentiment_score":-0.05361783877015114},{"text":"That's that's fine.","start":1666.985,"end":1668.105,"sentiment":"neutral","sentiment_score":0.037289129570126534},{"text":"Yeah.","start":1668.105,"end":1668.585,"sentiment":"neutral","sentiment_score":0.005437038838863373}],"sentiment":"neutral","sentiment_score":0.027810170448252132,"num_words":7,"start":1658.905,"end":1668.585},{"sentences":[{"text":"No.","start":1668.585,"end":1668.905,"sentiment":"neutral","sentiment_score":-0.07424794882535934},{"text":"I won't I won't do that to you.","start":1668.905,"end":1670.605,"sentiment":"neutral","sentiment_score":-0.1654780125245452},{"text":"Let's see.","start":1670.825,"end":1671.145,"sentiment":"neutral","sentiment_score":-0.07131404429674149},{"text":"I'm looking.","start":1671.145,"end":1671.805,"sentiment":"neutral","sentiment_score":-0.05349472910165787},{"text":"Okay.","start":1684.415,"end":1684.915,"sentiment":"neutral","sentiment_score":0.13934314250946045}],"sentiment":"neutral","sentiment_score":-0.10773903237921852,"num_words":14,"start":1668.585,"end":1684.915},{"sentences":[{"text":"Cool.","start":1688.735,"end":1689.235,"sentiment":"positive","sentiment_score":0.6110857129096985},{"text":"Yeah.","start":1691.855,"end":1692.255,"sentiment":"neutral","sentiment_score":0.2145424783229828},{"text":"Yeah.","start":1692.255,"end":1692.575,"sentiment":"neutral","sentiment_score":0.16584555804729462},{"text":"I I I think so too.","start":1692.575,"end":1695.455,"sentiment":"neutral","sentiment_score":0.147581297904253},{"text":"That's awesome.","start":1695.455,"end":1705.82,"sentiment":"positive","sentiment_score":0.7414552271366119}],"sentiment":"neutral","sentiment_score":0.3054429082707925,"num_words":11,"start":1688.735,"end":1705.82},{"sentences":[{"text":"Okay.","start":1718.9349,"end":1719.4349,"sentiment":"neutral","sentiment_score":0.1693148910999298},{"text":"Perfect.","start":1734.09,"end":1734.59,"sentiment":"positive","sentiment_score":0.4870604872703552},{"text":"Alright.","start":1735.9299,"end":1736.4299,"sentiment":"neutral","sentiment_score":0.1980905532836914},{"text":"No.","start":1742.1849,"end":1742.585,"sentiment":"neutral","sentiment_score":-0.0919535756111145},{"text":"Not at all.","start":1742.585,"end":1743.3049,"sentiment":"neutral","sentiment_score":-0.08472009251515071}],"sentiment":"neutral","sentiment_score":0.07262172549962997,"num_words":7,"start":1718.9349,"end":1743.3049},{"sentences":[{"text":"Not at all.","start":1743.3049,"end":1743.865,"sentiment":"neutral","sentiment_score":-0.0720032329360644},{"text":"I I think, you know yeah.","start":1743.865,"end":1744.985,"sentiment":"neutral","sentiment_score":-0.017958099643389385},{"text":"Look.","start":1744.985,"end":1745.225,"sentiment":"neutral","sentiment_score":0.008827103301882744},{"text":"I'm I'm a pretty basic guy.","start":1745.225,"end":1746.825,"sentiment":"neutral","sentiment_score":-0.009476987916665772},{"text":"So I just hear that we can we can put a plan together and, yeah, I'm all for it.","start":1746.825,"end":1752.52,"sentiment":"neutral","sentiment_score":0.1870632744149158}],"sentiment":"neutral","sentiment_score":0.0909259740861931,"num_words":35,"start":1743.3049,"end":1752.52},{"sentences":[{"text":"So yeah.","start":1752.52,"end":1753.9,"sentiment":"neutral","sentiment_score":0.21703893318772316},{"text":"Yeah.","start":1756.04,"end":1756.54,"sentiment":"neutral","sentiment_score":0.0402139350771904},{"text":"Yep.","start":1757.96,"end":1758.46,"sentiment":"neutral","sentiment_score":0.14899343252182007},{"text":"Perfect.","start":1758.92,"end":1759.42,"sentiment":"positive","sentiment_score":0.43845006823539734},{"text":"Sure.","start":1769.415,"end":1769.915,"sentiment":"neutral","sentiment_score":0.03280465304851532}],"sentiment":"neutral","sentiment_score":0.1824233258763949,"num_words":6,"start":1752.52,"end":1769.915},{"sentences":[{"text":"Oh, I've just done it.","start":1774.65,"end":1775.6101,"sentiment":"neutral","sentiment_score":0.2165377616882324},{"text":"Yeah.","start":1775.6101,"end":1775.8501,"sentiment":"neutral","sentiment_score":0.15759649872779846},{"text":"That's done.","start":1775.8501,"end":1776.67,"sentiment":"neutral","sentiment_score":0.2652934342622757},{"text":"Perfect.","start":1795.1449,"end":1795.6449,"sentiment":"positive","sentiment_score":0.777502179145813},{"text":"Sounds awesome.","start":1795.865,"end":1796.6849,"sentiment":"positive","sentiment_score":0.8468691110610962}],"sentiment":"positive","sentiment_score":0.38564659790559247,"num_words":11,"start":1774.65,"end":1796.6849},{"sentences":[{"text":"No.","start":1801.1,"end":1801.26,"sentiment":"neutral","sentiment_score":0.06407123804092407},{"text":"Thank you for your time, Dana.","start":1801.26,"end":1802.8,"sentiment":"positive","sentiment_score":0.36037233968575794},{"text":"It's it's good to chat with you again.","start":1802.9401,"end":1804.78,"sentiment":"neutral","sentiment_score":0.14361592289060354},{"text":"And, yeah, we'll not have that in a few weeks.","start":1804.78,"end":1808.72,"sentiment":"neutral","sentiment_score":-0.09047057069838046},{"text":"No worries.","start":1816.4329,"end":1816.8329,"sentiment":"neutral","sentiment_score":0.23474643379449844}],"sentiment":"neutral","sentiment_score":0.10888962295872194,"num_words":27,"start":1801.1,"end":1816.8329},{"sentences":[{"text":"You too.","start":1816.8329,"end":1817.393,"sentiment":"neutral","sentiment_score":0.25319162011146545},{"text":"Talk to Dana.","start":1817.393,"end":1818.3729,"sentiment":"neutral","sentiment_score":0.2031176338593165},{"text":"Okay.","start":1819.5529,"end":1820.0529,"sentiment":"neutral","sentiment_score":0.21099668741226196},{"text":"Bye.","start":1820.7529,"end":1821.2529,"sentiment":"neutral","sentiment_score":0.1562432050704956}],"sentiment":"neutral","sentiment_score":0.21185371918337687,"num_words":7,"start":1816.8329,"end":1821.2529}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Dana?\n\nChannel 0: Yeah. Matt, are\n\nChannel 1: I'm\n\nChannel 0: you\n\nChannel 1: so\n\nChannel 0: there?\n\nChannel 1: sorry. I, like, bumped my earbud and hung up on you.\n\nChannel 0: Oh,\n\nChannel 1: My apologies.\n\nChannel 0: that's okay. No. You're right. I thought it was me. I was like, oh my god.\n\nI lost you. I'm so sorry.\n\nChannel 1: No. That's okay with\n\nChannel 0: All good. So now I got here that you've got one son, which is 21 year old, and the other two kids are 18. They're financial dependent.\n\nChannel 1: me. Yes.\n\nChannel 0: Yep. Beautiful. Lovely. So happy to keep your beneficiary as it is noted there.\n\nChannel 1: Yeah. That's right. Who's\n\nChannel 0: Yep.\n\nChannel 1: that's just the kids. Right? That that's it?\n\nChannel 0: It is. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Just the three kids. Yeah.\n\nChannel 1: Yeah. That's it. Yeah. Perfect.\n\nChannel 0: Beautiful. I will just double check the MetLife beneficiary as well. Just looking to see if I have that here on record just to make sure. But are you wanting your in your life insurance to be structured the same way beneficiary wise?\n\nChannel 1: Yeah. Yeah. Who's\n\nChannel 0: Yep.\n\nChannel 1: that going through? Is that\n\nChannel 0: I'm just quickly having a look. So insurance beneficiary, I do have the same. So I've got Alexander to get 32%, Jordan to get 36, and Sophie for 32%. So it is\n\nChannel 1: yep.\n\nChannel 0: structured the same way. Yeah. That's fine. Perfect. Just to make sure that is all paid out as per your wishes.\n\nIf something was to happen, I'm touching all the wood to make sure that we don't jinx you in any way, shape, or form.\n\nChannel 1: Yeah.\n\nChannel 0: No. Excellent. Now you've also got the TBD cover there. So TBD pays out either a lump sum benefit or an\n\nChannel 1: Sure.\n\nChannel 0: income stream in the event that you're unable to ever go back to work again due to permanent incapacity. And if you are TBD, we can also claim TBD on your sofa. One thing I do like to make sure I'll mention to people is if you claim TBD and you are under the age of 60, there are tax consequences. I wholeheartedly disagree with this. But, unfortunately, there is a tax of up to 22% paid on PPD if\n\nChannel 1: Wow.\n\nChannel 0: you do withdraw the full amount and you're under 60. I know it's horrible. I disagree with that in every way, shape, or form. I think the last thing you should be taxed if you're disabled is on your your TBD benefit and your super side of things. With with that, I do also like to point out it's up to 22%.\n\nSo there is a fun little math equation that got that the super funds all go through when they are paying out to sort of show how much tax would be covered. It could definitely be less than 22%. As as advisers, if you do happen to claim on TPD, we will help you with the claim, but then we will also provide financial advice to show you how to consequences and how to use the funds. So as it pays out what you need to, but so it also stays invested work for you, whether it's drawing an income stream on a regular basis or, you know, drawing certain lump sums every so often. So\n\nChannel 1: Go.\n\nChannel 0: rest\n\nChannel 1: Okay.\n\nChannel 0: assured as much as that's not a great aspect of TBD, we will provide financial advice in that instance if you did have to claim to sorta help you along. Okay?\n\nChannel 1: Okay. Okay.\n\nChannel 0: Yep. Perfect. Now with the TBD, you do have a little bit less. So your current cover is 730,958. And, again, you've got your 162,000 of super, which can be claimed as well.\n\nDo you feel like that's a fairly comfortable amount for CBD? Did you wanna kinda look at altering that at all?\n\nChannel 1: No. I think that's okay.\n\nChannel 0: That's okay.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. And then you've got your income protection benefit as well. The current monthly benefit pretax is 6,188. Your income I have here is about 127,000 plus a car.\n\nIs that right?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Beautiful. So if we have a look with income protection, you can be covered for up to 70% of your income. Just having a look at what that looks like. So to be covered for 70% of your current income based at the 127,500, it does mean that we would need to have, sorry, just quickly doing some math for you, a monthly benefit of 7,437 and 50¢.\n\nSo you are just slightly underinsured there. Given your current circumstances that you are selling the house with everything going on, do you feel like the monthly benefit of 6,188 pretax would be sufficient for you, or did you wanna look at maybe increasing your income protection for that little bit of extra peace of mind?\n\nChannel 1: Sorry.\n\nChannel 0: That's okay.\n\nChannel 1: No. I don't think so. Not at the moment. I just\n\nChannel 0: Yeah.\n\nChannel 1: yeah. I just wanna leave it. Well, for\n\nChannel 0: I\n\nChannel 1: the\n\nChannel 0: can.\n\nChannel 1: time being, anyway, I\n\nChannel 0: Yeah.\n\nChannel 1: just haven't\n\nChannel 0: That's\n\nChannel 1: put\n\nChannel 0: okay.\n\nChannel 1: any serious thought into that, and I just, yeah, I just gonna leave it alone and for the time being. Like, when when we talk soon and things start getting back to where they should, then I'll make some considerations for that sort of stuff. But,\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: yeah, it's all good for now.\n\nChannel 0: No. Not a problem at all. And because we are gonna meet in a couple of weeks, you've kind of got this context here. So if something comes up and you go, hey. Maybe I do wanna reassess or maybe, you know, what this scenario, you can always bring those up with me again.\n\nWe have that secondary conversation to really, knock down, and we can always reassess it at any point. You don't have to wait to end your review time. If something ever comes up, that you wanted us to discuss or look at, you're welcome to let us know. We'll book you in and make sure we have those conversations with you as well. Okay?\n\nChannel 1: Okay. Perfect.\n\nChannel 0: Beautiful. Lovely. Now just so you are aware, there are other types of insurances that you can hold, things like trauma. And because you do have children, you can also get child trauma policies as well. These sort of policies are paid out of your back pocket, so probably not preferable now with all the changes going on.\n\nBut, essentially, trauma and child trauma tend to pay out a lump sum tax free benefits in the event that you or your kids are diagnosed as major traumatic events. Some of the bigger ones that are considered are like cancer. For trauma, it also covers things like heart attacks, strokes, Parkinson's, or other neurological conditions. So they are major conditions, that they that you can claim on, and these are the policies can be fairly cheap depending on how much you wanna be covered for. But the problem with trauma and child trauma is you have to pay for it out of your back pocket.\n\nSo it does depend upon your current cash flow, living expenses, and how everything's going for yourself as to whether you can afford to cover that cost. Whereas, yeah, whereas life and income protection, you can hold inside super and pay out of your super side of things. So there is just that to sort of make sure that you're aware of as well.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Are you\n\nChannel 1: I had\n\nChannel 0: wanting?\n\nChannel 1: I had trauma at\n\nChannel 0: Yeah.\n\nChannel 1: first, and and then I just okay. It kept coming out. I'm like, you know, when you just feel like there's no need.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: and and since then, I mean, it's been a couple of years now that there's been no trauma. I'm not saying there isn't gonna be trauma, but so far so good. So, yeah, I'll be just I'll I'll leave that alone again for\n\nChannel 0: Yeah.\n\nChannel 1: the time being\n\nChannel 0: Yeah.\n\nChannel 1: just until, yeah, things balance out.\n\nChannel 0: No. That's absolutely fine. That's not a problem at all. Easy done. So that's essentially looking at your super and the insurance side of things.\n\nIt's good to see things are working there for you. Just looking at goal wise with your super, I mean, I know we're gonna look at sort of the next five to ten years and look at investing outside of super and all the other aspects there for you. But are you sort of hoping to, at the age of 60, maybe be able to start working and access your super, so try to access super at the earliest possible opportunity. What's your thoughts with your super goal?\n\nChannel 1: Yeah. 100%. I mean, if I can do\n\nChannel 0: Yeah.\n\nChannel 1: that, great. I mean, any any any chance to stop working early, I would tag.\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: But I feel like maybe I don't know. I wouldn't say too little, too late, but I'll probably just be stepping back a little bit when I get to that age as opposed to stopping completely. So\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: I don't know. I guess we'll just see how things go over that next ten years. But look, any chance I I could get to get out of, you know, the daily grind, I would take it. You\n\nChannel 0: Yeah.\n\nChannel 1: know?\n\nChannel 0: Absolutely. No. Perfect. Well, what I'll do for your super side of things, I'll work on a goal of 60. That essentially means we're tracking for the earliest possible retirement with your super side, and then essentially gives you the option to continue working if you want to, or you can stop working if you choose to as well.\n\nOkay?\n\nChannel 1: What do you think about, like, if if I forget the super to two fifty k, basically, as quick as possible to let that run then as as, you know, as you mentioned earlier, and then\n\nChannel 0: Yeah.\n\nChannel 1: to flip the focus onto something or maybe doing both at the same time, like, you know, investing extra cash into the super to get it where it needs to be quicker.\n\nChannel 0: Yep.\n\nChannel 1: And then, yeah, and then with one of your ideas outside of super, you know, to do maybe do that at the same time or after. I don't know. Yeah. That's sort of\n\nChannel 0: Yeah.\n\nChannel 1: where my head's going at the minute.\n\nChannel 0: Yeah. Absolutely. And what we'll do is once I've got an idea of your goals and we have that second conversation, I can run all those scenarios for you. I can look at whether we put money into super now and kinda build up to two fifty then stop salary sacrificing and, you know, put money into an investment outside and what that projection looks like or whether we do it simultaneously. I will run all those projections to come up with the advice for you.\n\nThat's my job to make sure I look at all the different options and scenarios and work out the best one. And then I'll let you know what I'm recommending, why I'm recommending that the advantages, disadvantages, and the risks. And I also put alternatives into the appendix for you as well so you can see other things that we may have considered and why we went with the option we did.\n\nChannel 1: Okay.\n\nChannel 0: But, yeah, though those sorts of scenarios are absolutely worth looking at. Yes. Definitely. It also comes down to what your expendable income looks like, what you have available to you, and what you're comfortable investing as well without, you know, eating too much away the cash flow because you do have kids, and the cost of living is definitely not cheap. It's expensive.\n\nChannel 1: No. It's not. Okay.\n\nChannel 0: Yeah. But no. Those are the things that are definitely worth looking at. Absolutely. Yeah.\n\nPerfect.\n\nChannel 1: Okay.\n\nChannel 0: Now at the moment, I know we will sort of update these things down the track, but at the moment, are you finding you are managing to save anything at all at the end of the week, or is everything kinda going into the property whilst you are going through that settlement phase?\n\nChannel 1: So I think I like, I should be pretty comfy putting away $400 a week\n\nChannel 0: Yeah.\n\nChannel 1: and then still having a little bit to play with. But, like because I'm paying $6.50 in rent. I pay $3.50 towards maintenance a week, and it's just a massive\n\nChannel 0: Yeah.\n\nChannel 1: killer. I'm like, oh, yeah.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: Yeah.\n\nChannel 1: then I've got so I've got about $7,800 left over each week. And when you think about,\n\nChannel 0: Yeah.\n\nChannel 1: you know, the funds you put aside for the daily and, you you know, just your regular bills and things like that and groceries, yeah, I think I'm comfortably doing something with $400 a week, whether\n\nChannel 0: Yeah.\n\nChannel 1: it go into\n\nChannel 0: Yeah.\n\nChannel 1: savings or whether it go you know? It's it's annual review time too, so we've had a pretty solid year. I'm expecting something good to come from that over the sort\n\nChannel 0: Fantastic.\n\nChannel 1: of next couple of months, which is which would\n\nChannel 0: Yep.\n\nChannel 1: be nice.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. But right now yeah. Once\n\nChannel 0: Beautiful.\n\nChannel 1: while this house thing is happening, everything is going into it. And,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, I I sorta walked away from where I was with a bit I don't know. $10.15 grand and, you know, sort of setting myself up and then just trying to keep this, you know, making these house payments, which is, like, 2 and a half\n\nChannel 0: Yeah.\n\nChannel 1: grand a month. It's\n\nChannel 0: Yeah.\n\nChannel 1: just knocked me down a few pegs. So right\n\nChannel 0: Yeah.\n\nChannel 1: now, yeah, the savings are null and void. But,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, it's, you know yeah. Greenier past greeny pastures are coming. You know?\n\nChannel 0: Absolutely. There is an there is an end in sight for you with regard to it. So that absolutely. Yep. No.\n\nAll good. I've got your contents here. Rough value of about 10,000 currently. Is that what you sort of value your contents at, do you think?\n\nChannel 1: Yeah. And that's been\n\nChannel 0: Yeah.\n\nChannel 1: you know? Yeah. That that'll do. Like, I mean, I don't have much. I'm not a a heaps of stuff that it's happening.\n\nI don't have much. Yeah.\n\nChannel 0: Yeah. No.\n\nChannel 1: So\n\nChannel 0: That's\n\nChannel 1: that should\n\nChannel 0: okay.\n\nChannel 1: cover it.\n\nChannel 0: Yep. Perfect. And then I've also got in here that you because you got a car with your package, Samantha mentioned to me that you've sold the car that you had the Novated lease on, but you still have a residual payment to make of about $8,000. Is that right?\n\nChannel 1: Yes. So, look, that's 3\n\nChannel 0: Yes.\n\nChannel 1: 50 a week that I said is maintenance. So $50\n\nChannel 0: Yes.\n\nChannel 1: a week from that is basically going into what is remaining on that. So it wasn't about 10 k, and\n\nChannel 0: Yeah.\n\nChannel 1: now it's at about $8.08 k. And Em, who's the kid's mother, she's basically just putting feeding into that loan, you know,\n\nChannel 0: Okay.\n\nChannel 1: with that. So yeah. So there's about $8 there. And look. What I guess to clear that, basically, once this house gets settled and I get my half from the from the sale, I think because we've\n\nChannel 0: Yeah.\n\nChannel 1: we've we're selling it for $9.00 5. It costs us, like, $8.14. We've already pumped, you know, a whole bunch of money into it just to, you\n\nChannel 0: Yeah.\n\nChannel 1: know, to cover repayments and stuff.\n\nChannel 0: Yep.\n\nChannel 1: So I don't know. I think maybe between us, we're look maybe, I don't know, $80, and then we split that. And then I've got to think of the capital gains, and I've got to pay that money back I wanna like, I I just want to be completely clear by the\n\nChannel 0: Yeah.\n\nChannel 1: time\n\nChannel 0: Yeah.\n\nChannel 1: this thing's finished. So\n\nChannel 0: Yeah.\n\nChannel 1: I I'm yeah. Not sure what I'm gonna have left over, but I will be at least debt free. So\n\nChannel 0: Yep. That's good. No. That's absolutely perfect. Fantastic.\n\nAnd having that gone will be very, very good and starting again. And, look, starting again isn't always bad. It gives you a fresh start. You can start from zero, and then you know the only way is up from there. So\n\nChannel 1: That's\n\nChannel 0: not\n\nChannel 1: right.\n\nChannel 0: always\n\nChannel 1: Yeah.\n\nChannel 0: a bad\n\nChannel 1: I'm\n\nChannel 0: thing.\n\nChannel 1: I'm I'm looking forward to it. Yeah.\n\nChannel 0: Yeah. No. It'll be fantastic. Do you have any other assets you'd note down any other I've I don't have because your car is with your employer, so you don't have any other cars, boats, caravans, or anything else to note down?\n\nChannel 1: No.\n\nChannel 0: Nope. That's okay. Do you have any shares of cryptocurrency or anything else that you might have had for the last few years?\n\nChannel 1: No.\n\nChannel 0: No. That's okay. All good. Estate planning sides of things as well, because you are kinda going through this change and you do have kids, have you thought about drafting up a will with a solicitor?\n\nChannel 1: We were going through that. We were talking about that, and then everything sorta changed. But, yeah, look, you know,\n\nChannel 0: Yep.\n\nChannel 1: the thoughts in the back of my mind,\n\nChannel 0: Yep.\n\nChannel 1: it always is. And I think for the most part, the reason I'm thinking about it is that without the will, I mean, even those insurances and, you know, beneficiaries can be thrown into a bit of calamity if if I don't\n\nChannel 0: Yes.\n\nChannel 1: have a will. Is that is that correct?\n\nChannel 0: Yeah. Absolutely. So, I mean, the beneficiaries are valid before where they are. And, essentially, the way this would look to work if you were to pass away, your eldest child who is over 21 would be able to then receive the full benefit straight to him. However, your\n\nChannel 1: What?\n\nChannel 0: children who are under the age of 18, essentially has to go through the guardian because they can't really make those financial decisions on their own. So it would come down to the guardian, which I assume would be Emily, your ex wife.\n\nChannel 1: Yes.\n\nChannel 0: So she would essentially either have the option of withdrawing the funds to the kids as a whole, or she can look to set up in like, pension income streams in super. And those can stay with the kids until they essentially turn, I think, at 21 these days. And they can be receiving regular income streams. But your eldest child would receive the funds direct to him, being as he is no longer technically a financial dependent under the CIS Act. And then,\n\nChannel 1: What?\n\nChannel 0: yeah, the other kids, it would all come down to essentially what your the guardian wants to do with the funds, either draw it out as a full lump sum to be used for the kids, or they can sort of keep that in the super system until they reach a certain age and draw regular income down. So that would all depend on what the guardian wants to do. There is another way to set up your beneficiaries where you can nominate your legal personal representative, and you can do this on your life insurance as well. You just tick the LPR box, and that means a 100% of the benefit goes straight through to your will. And then through your will, you can have things like trust set up for testamentary trust, where you allocate what percentage of your assets go to what child, how you want that set up, who the guardian is that's gonna control the money for the kids.\n\nIt it sort of just comes down to what what your relationship is and how you think she would handle the money and whether the kids would get the benefit or whether you want a lot more control around how the money is paid to the kids. I know to give you a bit of context in my circumstances, I have an ex husband, and I had two kids to him. So when we split up, I got remarried and had a third child, but my ex husband's terrible with money, and he was horrible to have to deal with. So I essentially set up my will, and I had to trust it up through my will. That meant that my sister and my new husband's sister had control of the funds and had to rejoin signatories so that he had to prove to them that the money was used for our children and for their schooling costs and things like that.\n\nAnd that just gave me a lot more control and certainty that the money would be held for my children in the event of me passing away. So you can have a lot more control with a will around that sort of thing, and that's really important to think about as well. Yeah.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: It's It's a hard it's a hard conversation to have, but it's definitely one to sort of think about and understand. And it also comes down to, you know, what's the relationship between you and Emily like, and what do you think she's likely to do? Is she likely to do the right thing or, you know, how how does she handle money and just\n\nChannel 1: No.\n\nChannel 0: sort of\n\nChannel 1: She\n\nChannel 0: having\n\nChannel 1: was\n\nChannel 0: us think\n\nChannel 1: she\n\nChannel 0: about\n\nChannel 1: she\n\nChannel 0: what\n\nChannel 1: she\n\nChannel 0: you want\n\nChannel 1: was\n\nChannel 0: to happen?\n\nChannel 1: she she was the good one with money. Not that I'm not that I'm terrible with money, but she was good\n\nChannel 0: No.\n\nChannel 1: with money. And and we've been\n\nChannel 0: Yeah.\n\nChannel 1: feeding the kids' accounts since they were born. So,\n\nChannel 0: Beautiful.\n\nChannel 1: yeah, we're we're all over that sort of that sort of things.\n\nChannel 0: Beautiful.\n\nChannel 1: And, yeah,\n\nChannel 0: Beautiful.\n\nChannel 1: full full trusting her to do, you know, what what\n\nChannel 0: Excellent.\n\nChannel 1: she'd need to\n\nChannel 0: The\n\nChannel 1: do.\n\nChannel 0: right thing.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. Perfect. Perfect. So what I would probably also maybe make mention of is just sort of keeping something somewhere. Because if you were to pass away, let our let your oldest child know that we are your financial advisers and that in the event of a claim occurring, that they just need to call us and we help with the claim process and just letting them know.\n\nI mean, I hope nothing happens, but it is really important. It's sort of one thing I have come across as an adviser over the years is that not everyone knows that people have a financial adviser or where their suit is located or their life insurances. And I've had it come across where, you know, a couple of months down the track, someone's passed away and some a family member calls up and goes, hey. I've found your number. Who are you?\n\nWhat have you got? What's happening here? And then you go through the claims process a little bit late, and they didn't know the money was there. They weren't aware of how to get access to it, and they had a bit of a struggle time. So I always do think it's worth just making sure somebody in your family that you trust knows, whether it's your beneficiaries or your ex wife, that they know to in the event of you passing, they just have to call us, and we facilitate the claim with them.\n\nWe\n\nChannel 1: Okay.\n\nChannel 0: are very security conscious, so they can't just call up willy nilly and ask for information. Essentially, we have to be able to be provided with your will and a death certificate to be able to assist, and we will only be able to speak to the executor. So whoever is the executor of your will and your estate is the one person who can come and help facilitate the claim. So whether that's your eldest child or your ex wife or just somebody else that you trust, that's the person that is able to call that is able to facilitate the claim for your beneficiaries if it's not one of your beneficiaries, and that's how we sort of help them with the process.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Okay.\n\nChannel 0: There's a there's a lot to it, isn't there?\n\nChannel 1: There\n\nChannel 0: We sort of all think that once once we go, it just all happens, but there's definitely a lot of a lot that happens in the back end around the estate planning, around the the will, and around the claiming on the deceased estate that that we do take into account when we are dealing with this a deceased estate, and that has to happen. So, yeah, there's a lot to happen in the back end. But, yeah, it's pretty cool.\n\nChannel 1: Yeah. Uh-huh. All good.\n\nChannel 0: And a few things for you to think about too.\n\nChannel 1: Yeah. Absolutely.\n\nChannel 0: No. All good. So having a look at things, look, we've gone through most of it now. If you like, what I can do is I can send you through a bit of a general information just on a local solicitor with a bit of a costing if you like, just on how much they charge to do up a will and a power of attorney just to give you something to think about. I can also look into obviously, each state has trustees that can help do wills and things like that as well.\n\nI can also do a little bit of research around your local trustee and what they charge to do a will and power of attorney. If you want us to give you some general information for you to have a think about, would you like that, Matthew?\n\nChannel 1: Yeah. Yes, please.\n\nChannel 0: Yeah. Beautiful. I'll organize that email for you. It's not an issue at all. Basically, with where we are at the moment, we'll have another conversation in about four weeks.\n\nI'll get Sammy to give you a call and book you in so we can kinda have a bit more of a conversation around your goals and what we're looking for advice wise both inside and outside super. You've got a few things to think about with the estate planning side of things there as well. And, obviously, there's a lot going on with the sale of your property. Goal wise, I've got down that we're sort of looking to invest in outside of super. You're sort of looking to see where things are tracking and how we can build wealth both with super and externally over the next five to ten years.\n\nAnd with your super, we're tracking for a goal of accessing 60 to give you that option there. Am I missing anything goal wise or with any of this? Is there anything else that you kind of wanted me to incorporate?\n\nChannel 1: Yeah.\n\nChannel 0: Or\n\nChannel 1: No. Not at all. No. I think\n\nChannel 0: no.\n\nChannel 1: we're all good. Like, I I am just, you know, we have a conversation. I'm I'm interested\n\nChannel 0: No.\n\nChannel 1: in that conversation in a couple of weeks and\n\nChannel 0: Absolutely. Yeah.\n\nChannel 1: moving forward. Yeah.\n\nChannel 0: Yep. No. Perfect. Perfect. I feel like it is good to just let you go through this settlement process first, work out where things are up to once you go through that, look at\n\nChannel 1: Yep.\n\nChannel 0: what your expendable cash is, look at what your income looks like, what your circumstances then also look like. That way, the advice we do provide is accurate and in your best interest. Otherwise,\n\nChannel 1: Yes.\n\nChannel 0: doing that now and then having things change in four weeks means we have to go back and reevaluate the advice if it's no longer in your best interest. So I do personally like to make sure that when we are providing advice that it is in your best interest that we are factoring in all of your circumstances. And if there's an expected change in the short term that we do note and recognize that for you. So I definitely think this is the best course of action, but I'm really looking forward to putting this together for you and running the projections and seeing what we can come up with. So I'm very excited.\n\nIt'd be good.\n\nChannel 1: Same here. Sounds fun.\n\nChannel 0: Fantastic. I've confirmed that your insurance is all good. There's no changes there. But in the next sort of couple of weeks, if you do think about anything that comes up or you wanna reassess them or you feel like the levels of cover aren't accurate, just sort of note down some questions, and we can always go through those again when we speak in about four weeks there.\n\nChannel 1: Yep.\n\nChannel 0: Is there any other goals or anything else that sort of come to mind over the next one year, two years, five years that you think we might need to maybe factor in?\n\nChannel 1: Not really. I think, you know, cash flow is a big one for me. Like,\n\nChannel 0: Yep.\n\nChannel 1: it's just cash flow and and a long term plan, you know, a long term plan. I just wanna yeah. I wanna be\n\nChannel 0: Yep. Yep.\n\nChannel 1: as like, and I've got and, like, just another thing to think about is that I've got the kids too. So, you know, holidays and, you know, and and the education side of things and just making sure that we're we're covered as a family. Like, I mean, I'm not silly.\n\nChannel 0: Yeah.\n\nChannel 1: I know how to budget and do what I need to do, but\n\nChannel 0: Yeah.\n\nChannel 1: I want I just wanna be go out of the best way, the best possible\n\nChannel 0: Yeah.\n\nChannel 1: way. And so, you know, with with what I have. And I'm I'm\n\nChannel 0: Yeah.\n\nChannel 1: sort\n\nChannel 0: Yep.\n\nChannel 1: of hoping that by the time we do have our next conversation, that maybe, you know, we've already had the discussions at work.\n\nChannel 0: Yeah.\n\nChannel 1: And, you know, looking forward, we sort of got some maybe some new numbers to play with, but we'll\n\nChannel 0: Yep.\n\nChannel 1: just see how that goes. You know?\n\nChannel 0: Yeah.\n\nChannel 1: But\n\nChannel 0: Absolutely.\n\nChannel 1: when that when that change happens anyway, if it happens to happen after, then\n\nChannel 0: That's it.\n\nChannel 1: we just\n\nChannel 0: That's fine.\n\nChannel 1: implement\n\nChannel 0: We\n\nChannel 1: it\n\nChannel 0: can\n\nChannel 1: when\n\nChannel 0: factor\n\nChannel 1: it happens.\n\nChannel 0: in.\n\nChannel 1: And\n\nChannel 0: Yeah. Absolutely. Most\n\nChannel 1: yeah.\n\nChannel 0: definitely. Yeah. No. Not a problem at all. Fantastic.\n\nI like it. Well, the only other thing to let you know is when we do come back, I'll kinda go through things in a bit more detail with you. But that ongoing service agreement you do have in the email there is just letting you know you do pay an ongoing service fee for our services looking after your super. It is 1.65% per annum, and then\n\nChannel 1: Yeah.\n\nChannel 0: the the amount is deducted out of your super on a monthly basis. So it is linked to the performance of your super. Just so you are aware, if we do recommend investment accounts and things like that, we do also charge an ongoing service fee for the monitoring of those because they are outside of super. However, we take your 1.65% currently, and we split that across. So we'll, you know, look to prorated that across the two different accounts for you.\n\nBut\n\nChannel 1: Okay.\n\nChannel 0: I'll be able to, as part of the advice, show you what the fee structure looks like and show you what the expected fees are as part of the advice, and then you can let me know whether you're comfortable with doing that or not. But does that make sense, and do you have any questions about the fee structure currently?\n\nChannel 1: No. That's cool. Love it.\n\nChannel 0: No. Beautiful. Excellent.\n\nChannel 1: This\n\nChannel 0: You're\n\nChannel 1: this this\n\nChannel 0: right.\n\nChannel 1: conversation that we're gonna have,\n\nChannel 0: Yeah.\n\nChannel 1: is it over the phone again? Can I come and see you? Or\n\nChannel 0: You can if you like. Where so you having a look. You're you're in Ipswich. If you wanna come into the office, we can absolutely do it. We're in Southport.\n\nSo if you wanna do that, that's fine. We can do it by Teams. We can do it over the phone. I'm happy to meet however you would like to. What would you prefer?\n\nChannel 1: I think in person. I don't know. I've just yeah.\n\nChannel 0: Yeah.\n\nChannel 1: It's\n\nChannel 0: Make a\n\nChannel 1: yeah.\n\nChannel 0: day of it and come to the Gold Coast.\n\nChannel 1: Yeah. That's right. I could go go for some lunch and then come and see you.\n\nChannel 0: Yeah.\n\nChannel 1: You know? Yeah.\n\nChannel 0: Absolutely. Absolutely. Well, what I'll do is I'll let Samantha know that that's kind of what your preference is. And when she gives you a call to book you in, I'll get her to give you a call in three weeks. That way, we've got a bit of time, and she can book you in when it suits you.\n\nAnd,\n\nChannel 1: Yep.\n\nChannel 0: yeah, absolutely, if there's a day or time that suits you. The only day I don't work at the moment is Fridays. I have Fridays off to look after my son,\n\nChannel 1: Okay.\n\nChannel 0: but I do work Monday to Thursday, and I'm here from anywhere from 07:30 in the morning right up until about 7PM at\n\nChannel 1: Oh my\n\nChannel 0: So\n\nChannel 1: god.\n\nChannel 0: we can make that work. Even Friday is the only time that suits you, she will still book it, and I will come into the office. So do not worry. I just like to let everyone know I'm pretty flexible Fridays. I just try to do it in between school hours because it's technically, I take that day for my son.\n\nSo I have a\n\nChannel 1: Yeah.\n\nChannel 0: little bit\n\nChannel 1: Gotcha.\n\nChannel 0: of work life balance there. But if Friday is the only day that works for you, I will make it happen, and I'll make sure Samantha's aware of that as well. Okay?\n\nChannel 1: No. That's that's fine. Yeah. No.\n\nChannel 0: Easy.\n\nChannel 1: I won't I won't\n\nChannel 0: All\n\nChannel 1: do\n\nChannel 0: good.\n\nChannel 1: that to you. Let's see.\n\nChannel 0: No.\n\nChannel 1: I'm\n\nChannel 0: That's\n\nChannel 1: looking.\n\nChannel 0: honestly fine. I have done it before. I know sometimes Fridays are the only day or the best day, especially when you have kids, and I'll make it work. But yeah. Look.\n\nAny other day, if you wanna make a day of it, morning or afternoon,\n\nChannel 1: Okay.\n\nChannel 0: we'll make sure it happens for you. It's not a problem at all. Okay.\n\nChannel 1: Cool.\n\nChannel 0: It'd be great to meet you in person, actually. It'd be fun.\n\nChannel 1: Yeah. Yeah. I I I think so\n\nChannel 0: Yeah.\n\nChannel 1: too.\n\nChannel 0: Excellent.\n\nChannel 1: That's\n\nChannel 0: Fantastic. The only other thing to let you know is so you've got the attached documents there that we have gone through. I've also got the financial services guide attached there for you.\n\nChannel 1: awesome.\n\nChannel 0: It does have a lovely picture of me in there, also all my licensing information as a full licensed adviser for you as well. So feel free to run your eyes over that. If you find you have any questions in relation to any of those documents, please let me know.\n\nChannel 1: Okay.\n\nChannel 0: I'll get Sammy to give you a call in the next sort of four three weeks so she can book you back in for another conversation, and we'll look at your five to ten year plan and look look at investing and building wealth in all those areas. And let's see what we can do to help you moving forward. Okay?\n\nChannel 1: Perfect.\n\nChannel 0: Izzy,\n\nChannel 1: Alright.\n\nChannel 0: do you have any questions? Is there anything else that you might think of that I haven't touched on or I've missed? Or\n\nChannel 1: No. Not at all. Not at all. I I think, you know yeah. Look.\n\nI'm I'm a pretty basic guy. So\n\nChannel 0: no? No.\n\nChannel 1: I just hear that we can we can put a plan together and,\n\nChannel 0: Absolutely.\n\nChannel 1: yeah, I'm all for it. So\n\nChannel 0: Beautiful.\n\nChannel 1: yeah.\n\nChannel 0: Let's find your Tom scenario. Let's find\n\nChannel 1: Yeah.\n\nChannel 0: Matthew's scenario. Yep.\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Beautiful. Well, look. That's everything I needed to go through. If anything comes up question wise, let us know. You don't have to wait till the next appointment.\n\nLet Sammy or myself know. If\n\nChannel 1: Sure.\n\nChannel 0: you're happy to sign those documents, we'll get you to sign and return those back at your most available opportunity\n\nChannel 1: Oh, I've just done\n\nChannel 0: and\n\nChannel 1: it.\n\nChannel 0: send\n\nChannel 1: Yeah. That's done.\n\nChannel 0: oh, you're the legend. And they'll get send me to book you back in. She'll give you a call in three weeks to book you back in for the month so we can really knock out what you need, what you're after, and really do some financial advice and give you give you your little scenario, your math year scenario, and your passport over the next five to ten years. Okay.\n\nChannel 1: Perfect. Sounds awesome.\n\nChannel 0: Easy. Thank you so much for your time. I really appreciate it.\n\nChannel 1: No. Thank you for your time, Dana. It's\n\nChannel 0: No\n\nChannel 1: it's good\n\nChannel 0: worries.\n\nChannel 1: to chat with you again. And, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: we'll not have that in a few weeks.\n\nChannel 0: Absolutely. You have a lovely afternoon. I hope everything goes well over the next few weeks for you with the settlement, and, yeah, looking forward to catching up.\n\nChannel 1: No worries. You too. Talk to Dana.\n\nChannel 0: Thank you. Talk soon.\n\nChannel 1: Okay.\n\nChannel 0: See you later.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Dana?","start":2.48,"end":2.98,"sentiment":"neutral","sentiment_score":0.007261529564857483}],"sentiment":"neutral","sentiment_score":0.007261529564857483,"channel":1,"num_words":1,"start":2.48,"end":2.98},{"sentences":[{"text":"Yeah.","start":3.84,"end":4.08,"sentiment":"neutral","sentiment_score":0.011492177844047546},{"text":"Matt, are","start":4.08,"end":4.64,"sentiment":"neutral","sentiment_score":-0.006477476796135306}],"sentiment":"neutral","sentiment_score":-0.0004875919160743554,"channel":0,"num_words":3,"start":3.84,"end":4.64},{"sentences":[{"text":"I'm","start":4.64,"end":4.7999997,"sentiment":"neutral","sentiment_score":-0.025019720196723935}],"sentiment":"neutral","sentiment_score":-0.025019720196723935,"channel":1,"num_words":1,"start":4.64,"end":4.7999997},{"sentences":[{"text":"you","start":4.64,"end":4.7999997,"sentiment":"neutral","sentiment_score":-0.008261517621576786}],"sentiment":"neutral","sentiment_score":-0.008261517621576786,"channel":0,"num_words":1,"start":4.64,"end":4.7999997},{"sentences":[{"text":"so","start":4.7999997,"end":5.12,"sentiment":"neutral","sentiment_score":-0.13586868345737457}],"sentiment":"neutral","sentiment_score":-0.13586868345737457,"channel":1,"num_words":1,"start":4.7999997,"end":5.12},{"sentences":[{"text":"there?","start":4.7999997,"end":5.2999997,"sentiment":"neutral","sentiment_score":-0.022886792197823524}],"sentiment":"neutral","sentiment_score":-0.022886792197823524,"channel":0,"num_words":1,"start":4.7999997,"end":5.2999997},{"sentences":[{"text":"sorry.","start":5.12,"end":5.6,"sentiment":"neutral","sentiment_score":-0.2396349310874939},{"text":"I, like, bumped my earbud and hung up on you.","start":5.6,"end":8.24,"sentiment":"neutral","sentiment_score":-0.3135708779096603}],"sentiment":"neutral","sentiment_score":-0.3068494281985543,"channel":1,"num_words":11,"start":5.12,"end":8.24},{"sentences":[{"text":"Oh,","start":7.9199996,"end":8.42,"sentiment":"neutral","sentiment_score":-0.1509188711643219}],"sentiment":"neutral","sentiment_score":-0.1509188711643219,"channel":0,"num_words":1,"start":7.9199996,"end":8.42},{"sentences":[{"text":"My apologies.","start":8.24,"end":8.9,"sentiment":"neutral","sentiment_score":-0.28911489248275757}],"sentiment":"neutral","sentiment_score":-0.28911489248275757,"channel":1,"num_words":2,"start":8.24,"end":8.9},{"sentences":[{"text":"that's okay.","start":8.639999,"end":9.46,"sentiment":"neutral","sentiment_score":-0.1918763816356659},{"text":"No.","start":9.599999,"end":9.92,"sentiment":"neutral","sentiment_score":-0.20730271935462952},{"text":"You're right.","start":9.92,"end":10.32,"sentiment":"neutral","sentiment_score":-0.20021121203899384},{"text":"I thought it was me.","start":10.32,"end":11.36,"sentiment":"neutral","sentiment_score":-0.21147285997867585},{"text":"I was like, oh my god.","start":11.36,"end":12.32,"sentiment":"neutral","sentiment_score":-0.2885795434315999}],"sentiment":"neutral","sentiment_score":-0.236269966699183,"channel":0,"num_words":16,"start":8.639999,"end":12.32},{"sentences":[{"text":"I lost you.","start":12.32,"end":12.96,"sentiment":"negative","sentiment_score":-0.4322900076707204},{"text":"I'm so sorry.","start":12.96,"end":13.86,"sentiment":"neutral","sentiment_score":-0.29547668993473053}],"sentiment":"negative","sentiment_score":-0.3638833488027255,"channel":0,"num_words":6,"start":12.32,"end":13.86},{"sentences":[{"text":"No.","start":13.945,"end":14.344999,"sentiment":"neutral","sentiment_score":-0.2020128071308136},{"text":"That's okay with","start":14.344999,"end":15.485,"sentiment":"neutral","sentiment_score":-0.04741739481687546}],"sentiment":"neutral","sentiment_score":-0.08606624789535999,"channel":1,"num_words":4,"start":13.945,"end":15.485},{"sentences":[{"text":"All good.","start":16.175,"end":16.914999,"sentiment":"neutral","sentiment_score":0.19548115134239197},{"text":"So now I got here that you've got one son, which is 21 year old, and the other two kids are 18.","start":16.975,"end":23.055,"sentiment":"neutral","sentiment_score":0.05425912328064442},{"text":"They're financial dependent.","start":23.055,"end":24.275,"sentiment":"neutral","sentiment_score":0.021502946503460407}],"sentiment":"neutral","sentiment_score":0.06108043905071638,"channel":0,"num_words":27,"start":16.175,"end":24.275},{"sentences":[{"text":"me.","start":25.224998,"end":25.474998,"sentiment":"neutral","sentiment_score":0.027566641569137573},{"text":"Yes.","start":25.474998,"end":25.8,"sentiment":"neutral","sentiment_score":0.11303684115409852}],"sentiment":"neutral","sentiment_score":0.07030174136161804,"channel":1,"num_words":2,"start":25.224998,"end":25.8},{"sentences":[{"text":"Yep.","start":25.615,"end":26.015,"sentiment":"neutral","sentiment_score":0.20513944327831268},{"text":"Beautiful.","start":26.015,"end":26.515,"sentiment":"positive","sentiment_score":0.676692545413971},{"text":"Lovely.","start":26.575,"end":27.055,"sentiment":"positive","sentiment_score":0.7212759852409363},{"text":"So happy to keep your beneficiary as it is noted there.","start":27.055,"end":30.115,"sentiment":"positive","sentiment_score":0.6947748552669178}],"sentiment":"positive","sentiment_score":0.660402241562094,"channel":0,"num_words":14,"start":25.615,"end":30.115},{"sentences":[{"text":"Yeah.","start":30.519999,"end":30.84,"sentiment":"neutral","sentiment_score":0.15705031156539917},{"text":"That's right.","start":30.84,"end":31.66,"sentiment":"neutral","sentiment_score":0.16988568007946014},{"text":"Who's","start":31.8,"end":32.12,"sentiment":"neutral","sentiment_score":0.06091831251978874}],"sentiment":"neutral","sentiment_score":0.13943499606102705,"channel":1,"num_words":4,"start":30.519999,"end":32.12},{"sentences":[{"text":"Yep.","start":31.93,"end":32.43,"sentiment":"neutral","sentiment_score":0.07827240228652954}],"sentiment":"neutral","sentiment_score":0.07827240228652954,"channel":0,"num_words":1,"start":31.93,"end":32.43},{"sentences":[{"text":"that's just the kids.","start":32.6,"end":33.399998,"sentiment":"neutral","sentiment_score":0.12872031144797802},{"text":"Right?","start":33.399998,"end":33.8,"sentiment":"neutral","sentiment_score":0.09918873012065887},{"text":"That that's it?","start":33.8,"end":34.699997,"sentiment":"neutral","sentiment_score":0.09895764787991841}],"sentiment":"neutral","sentiment_score":0.11386786494404078,"channel":1,"num_words":8,"start":32.6,"end":34.699997},{"sentences":[{"text":"It is.","start":34.41,"end":35.07,"sentiment":"neutral","sentiment_score":0.1086227111518383},{"text":"Yeah.","start":35.13,"end":35.45,"sentiment":"neutral","sentiment_score":0.0816439762711525}],"sentiment":"neutral","sentiment_score":0.09962979952494304,"channel":0,"num_words":3,"start":34.41,"end":35.45},{"sentences":[{"text":"Yep.","start":35.399998,"end":35.899998,"sentiment":"neutral","sentiment_score":0.06774358451366425}],"sentiment":"neutral","sentiment_score":0.06774358451366425,"channel":1,"num_words":1,"start":35.399998,"end":35.899998},{"sentences":[{"text":"Just the three kids.","start":35.45,"end":36.81,"sentiment":"neutral","sentiment_score":0.0637202737852931},{"text":"Yeah.","start":36.81,"end":37.31,"sentiment":"neutral","sentiment_score":0.06860500574111938}],"sentiment":"neutral","sentiment_score":0.06469722017645836,"channel":0,"num_words":5,"start":35.45,"end":37.31},{"sentences":[{"text":"Yeah.","start":36.84,"end":37.079998,"sentiment":"neutral","sentiment_score":0.07289351522922516},{"text":"That's it.","start":37.079998,"end":37.559998,"sentiment":"neutral","sentiment_score":0.10571590438485146},{"text":"Yeah.","start":37.559998,"end":37.8,"sentiment":"neutral","sentiment_score":0.264882892370224},{"text":"Perfect.","start":37.8,"end":38.265,"sentiment":"positive","sentiment_score":0.5870012640953064}],"sentiment":"neutral","sentiment_score":0.2272418960928917,"channel":1,"num_words":5,"start":36.84,"end":38.265},{"sentences":[{"text":"Beautiful.","start":38.97,"end":39.47,"sentiment":"positive","sentiment_score":0.5948969721794128},{"text":"I will just double check the MetLife beneficiary as well.","start":40.01,"end":43.129997,"sentiment":"neutral","sentiment_score":0.2843564376235008},{"text":"Just looking to see if I have that here on record just to make sure.","start":43.129997,"end":47.184998,"sentiment":"neutral","sentiment_score":0.13377331644296647},{"text":"But are you wanting your in your life insurance to be structured the same way beneficiary wise?","start":47.184998,"end":52.885,"sentiment":"neutral","sentiment_score":0.07488067491966136}],"sentiment":"neutral","sentiment_score":0.15623331555100375,"channel":0,"num_words":43,"start":38.97,"end":52.885},{"sentences":[{"text":"Yeah.","start":54.09,"end":54.57,"sentiment":"neutral","sentiment_score":0.045853205025196075},{"text":"Yeah.","start":54.57,"end":55.07,"sentiment":"neutral","sentiment_score":0.038709044456481934},{"text":"Who's","start":55.129997,"end":55.53,"sentiment":"neutral","sentiment_score":0.02980438619852066}],"sentiment":"neutral","sentiment_score":0.03812221189339956,"channel":1,"num_words":3,"start":54.09,"end":55.53},{"sentences":[{"text":"Yep.","start":55.345,"end":55.845,"sentiment":"neutral","sentiment_score":0.03301578760147095}],"sentiment":"neutral","sentiment_score":0.03301578760147095,"channel":0,"num_words":1,"start":55.345,"end":55.845},{"sentences":[{"text":"that going through?","start":55.53,"end":56.41,"sentiment":"neutral","sentiment_score":0.03565305409332117},{"text":"Is that","start":56.41,"end":57.07,"sentiment":"neutral","sentiment_score":0.042946312576532364}],"sentiment":"neutral","sentiment_score":0.038570357486605644,"channel":1,"num_words":5,"start":55.53,"end":57.07},{"sentences":[{"text":"I'm just quickly having a look.","start":57.665,"end":59.52,"sentiment":"neutral","sentiment_score":0.0595675619939963},{"text":"So insurance beneficiary, I do have the same.","start":59.52,"end":62.0,"sentiment":"neutral","sentiment_score":0.10682987421751022},{"text":"So I've got Alexander to get 32%, Jordan to get 36, and Sophie for 32%.","start":62.0,"end":67.6,"sentiment":"neutral","sentiment_score":0.11715328544378281},{"text":"So it is","start":67.6,"end":68.479996,"sentiment":"neutral","sentiment_score":0.11936067293087642}],"sentiment":"neutral","sentiment_score":0.10398205206729472,"channel":0,"num_words":32,"start":57.665,"end":68.479996},{"sentences":[{"text":"yep.","start":68.25,"end":68.75,"sentiment":"neutral","sentiment_score":0.1261647790670395}],"sentiment":"neutral","sentiment_score":0.1261647790670395,"channel":1,"num_words":1,"start":68.25,"end":68.75},{"sentences":[{"text":"structured the same way.","start":68.479996,"end":69.68,"sentiment":"neutral","sentiment_score":0.15392210334539413},{"text":"Yeah.","start":69.68,"end":69.92,"sentiment":"neutral","sentiment_score":0.17376741766929626},{"text":"That's fine.","start":69.92,"end":70.74,"sentiment":"neutral","sentiment_score":0.32467204332351685},{"text":"Perfect.","start":71.314995,"end":71.814995,"sentiment":"positive","sentiment_score":0.5985866785049438},{"text":"Just to make sure that is all paid out as per your wishes.","start":72.515,"end":75.41499,"sentiment":"neutral","sentiment_score":0.32424827837027037}],"sentiment":"neutral","sentiment_score":0.2977435340483983,"channel":0,"num_words":21,"start":68.479996,"end":75.41499},{"sentences":[{"text":"If something was to happen, I'm touching all the wood to make sure that we don't jinx you in any way, shape, or form.","start":75.555,"end":81.41499,"sentiment":"neutral","sentiment_score":0.04183024843223393}],"sentiment":"neutral","sentiment_score":0.04183024843223393,"channel":0,"num_words":24,"start":75.555,"end":81.41499},{"sentences":[{"text":"Yeah.","start":81.735,"end":82.235,"sentiment":"neutral","sentiment_score":0.01950380392372608}],"sentiment":"neutral","sentiment_score":0.01950380392372608,"channel":1,"num_words":1,"start":81.735,"end":82.235},{"sentences":[{"text":"No.","start":83.28,"end":83.520004,"sentiment":"neutral","sentiment_score":0.05907287821173668},{"text":"Excellent.","start":83.520004,"end":84.020004,"sentiment":"positive","sentiment_score":0.3494388163089752},{"text":"Now you've also got the TBD cover there.","start":84.64,"end":86.72,"sentiment":"neutral","sentiment_score":0.22786512784659863},{"text":"So TBD pays out either a lump sum benefit or an","start":86.72,"end":89.840004,"sentiment":"neutral","sentiment_score":0.18035015599294144}],"sentiment":"neutral","sentiment_score":0.20072783015313603,"channel":0,"num_words":21,"start":83.28,"end":89.840004},{"sentences":[{"text":"Sure.","start":89.73,"end":90.23,"sentiment":"neutral","sentiment_score":0.16169819235801697}],"sentiment":"neutral","sentiment_score":0.16169819235801697,"channel":1,"num_words":1,"start":89.73,"end":90.23},{"sentences":[{"text":"income stream in the event that you're unable to ever go back to work again due to permanent incapacity.","start":89.840004,"end":94.66,"sentiment":"neutral","sentiment_score":0.07471517946473077},{"text":"And if you are TBD, we can also claim TBD on your sofa.","start":95.375,"end":99.875,"sentiment":"neutral","sentiment_score":0.15919780229719785},{"text":"One thing I do like to make sure I'll mention to people is if you claim TBD and you are under the age of 60, there are tax consequences.","start":100.415,"end":108.435,"sentiment":"neutral","sentiment_score":-0.022032200744182898},{"text":"I wholeheartedly disagree with this.","start":108.655,"end":110.67,"sentiment":"neutral","sentiment_score":-0.32070536613464357},{"text":"But, unfortunately, there is a tax of up to 22% paid on PPD if","start":111.15,"end":117.79,"sentiment":"neutral","sentiment_score":-0.28540503340108053}],"sentiment":"neutral","sentiment_score":-0.034362141002202404,"channel":0,"num_words":80,"start":89.840004,"end":117.79},{"sentences":[{"text":"Wow.","start":117.66,"end":118.16,"sentiment":"neutral","sentiment_score":-0.13169655203819275}],"sentiment":"neutral","sentiment_score":-0.13169655203819275,"channel":1,"num_words":1,"start":117.66,"end":118.16},{"sentences":[{"text":"you do withdraw the full amount and you're under 60.","start":117.79,"end":120.53,"sentiment":"neutral","sentiment_score":-0.11678920611739159},{"text":"I know it's horrible.","start":120.59,"end":121.549995,"sentiment":"negative","sentiment_score":-0.44671977311372757},{"text":"I disagree with that in every way, shape, or form.","start":121.549995,"end":124.13,"sentiment":"negative","sentiment_score":-0.3879998058080673},{"text":"I think the last thing you should be taxed if you're disabled is on your your TBD benefit and your super side of things.","start":125.115,"end":132.255,"sentiment":"neutral","sentiment_score":-0.22422897722572088},{"text":"With with that, I do also like to point out it's up to 22%.","start":133.355,"end":137.515,"sentiment":"neutral","sentiment_score":-0.044197810015508106}],"sentiment":"neutral","sentiment_score":-0.207016677505547,"channel":0,"num_words":62,"start":117.79,"end":137.515},{"sentences":[{"text":"So there is a fun little math equation that got that the super funds all go through when they are paying out to sort of show how much tax would be covered.","start":137.515,"end":146.22,"sentiment":"neutral","sentiment_score":0.005971653095912188},{"text":"It could definitely be less than 22%.","start":146.22,"end":148.48,"sentiment":"neutral","sentiment_score":-0.06313432593430791},{"text":"As as advisers, if you do happen to claim on TPD, we will help you with the claim, but then we will also provide financial advice to show you how to consequences and how to use the funds.","start":149.26,"end":159.925,"sentiment":"neutral","sentiment_score":0.14040780753681534},{"text":"So as it pays out what you need to, but so it also stays invested work for you, whether it's drawing an income stream on a regular basis or, you know, drawing certain lump sums every so often.","start":160.545,"end":172.57,"sentiment":"neutral","sentiment_score":0.10537469970356476},{"text":"So","start":172.57,"end":173.07,"sentiment":"neutral","sentiment_score":-0.002694394439458847}],"sentiment":"neutral","sentiment_score":0.07832925429503465,"channel":0,"num_words":116,"start":137.515,"end":173.07},{"sentences":[{"text":"Go.","start":173.26999,"end":173.51,"sentiment":"neutral","sentiment_score":0.01182166300714016}],"sentiment":"neutral","sentiment_score":0.01182166300714016,"channel":1,"num_words":1,"start":173.26999,"end":173.51},{"sentences":[{"text":"rest","start":173.29001,"end":173.53,"sentiment":"neutral","sentiment_score":0.027343180030584335}],"sentiment":"neutral","sentiment_score":0.027343180030584335,"channel":0,"num_words":1,"start":173.29001,"end":173.53},{"sentences":[{"text":"Okay.","start":173.51,"end":173.985,"sentiment":"neutral","sentiment_score":0.08348488807678223}],"sentiment":"neutral","sentiment_score":0.08348488807678223,"channel":1,"num_words":1,"start":173.51,"end":173.985},{"sentences":[{"text":"assured as much as that's not a great aspect of TBD, we will provide financial advice in that instance if you did have to claim to sorta help you along.","start":173.53,"end":182.27,"sentiment":"neutral","sentiment_score":0.07004090348879496},{"text":"Okay?","start":182.33,"end":182.83,"sentiment":"neutral","sentiment_score":0.038945697247982025}],"sentiment":"neutral","sentiment_score":0.06903783231973648,"channel":0,"num_words":31,"start":173.53,"end":182.83},{"sentences":[{"text":"Okay.","start":182.625,"end":183.125,"sentiment":"neutral","sentiment_score":0.040394533425569534},{"text":"Okay.","start":183.345,"end":183.845,"sentiment":"neutral","sentiment_score":0.07252129167318344}],"sentiment":"neutral","sentiment_score":0.05645791254937649,"channel":1,"num_words":2,"start":182.625,"end":183.845},{"sentences":[{"text":"Yep.","start":183.835,"end":184.235,"sentiment":"neutral","sentiment_score":0.1541643738746643},{"text":"Perfect.","start":184.235,"end":184.735,"sentiment":"neutral","sentiment_score":0.3220621943473816},{"text":"Now with the TBD, you do have a little bit less.","start":185.195,"end":187.675,"sentiment":"neutral","sentiment_score":0.03742119111120701},{"text":"So your current cover is 730,958.","start":187.675,"end":192.395,"sentiment":"neutral","sentiment_score":0.02634554449468851},{"text":"And, again, you've got your 162,000 of super, which can be claimed as well.","start":192.395,"end":197.215,"sentiment":"neutral","sentiment_score":0.0814802912729127}],"sentiment":"neutral","sentiment_score":0.06626233379497673,"channel":0,"num_words":33,"start":183.835,"end":197.215},{"sentences":[{"text":"Do you feel like that's a fairly comfortable amount for CBD?","start":197.36,"end":200.18,"sentiment":"neutral","sentiment_score":0.07041887972842563},{"text":"Did you wanna kinda look at altering that at all?","start":200.24,"end":202.74,"sentiment":"neutral","sentiment_score":-0.006683248840272426}],"sentiment":"neutral","sentiment_score":0.033703580409997984,"channel":0,"num_words":21,"start":197.36,"end":202.74},{"sentences":[{"text":"No.","start":203.535,"end":203.935,"sentiment":"neutral","sentiment_score":-0.04344308003783226},{"text":"I think that's okay.","start":203.935,"end":204.995,"sentiment":"neutral","sentiment_score":-0.016560487216338515}],"sentiment":"neutral","sentiment_score":-0.021937005780637266,"channel":1,"num_words":5,"start":203.535,"end":204.995},{"sentences":[{"text":"That's okay.","start":204.72,"end":205.54,"sentiment":"neutral","sentiment_score":0.12431180104613304}],"sentiment":"neutral","sentiment_score":0.12431180104613304,"channel":0,"num_words":2,"start":204.72,"end":205.54},{"sentences":[{"text":"Yeah.","start":205.135,"end":205.635,"sentiment":"neutral","sentiment_score":0.12417131662368774}],"sentiment":"neutral","sentiment_score":0.12417131662368774,"channel":1,"num_words":1,"start":205.135,"end":205.635},{"sentences":[{"text":"Yep.","start":205.6,"end":206.08,"sentiment":"neutral","sentiment_score":0.19290676712989807},{"text":"Beautiful.","start":206.08,"end":206.58,"sentiment":"positive","sentiment_score":0.4384537935256958},{"text":"And then you've got your income protection benefit as well.","start":207.12,"end":210.18,"sentiment":"neutral","sentiment_score":0.20337514579296112},{"text":"The current monthly benefit pretax is 6,188.","start":210.48,"end":215.455,"sentiment":"neutral","sentiment_score":0.12636832147836685},{"text":"Your income I have here is about 127,000 plus a car.","start":216.075,"end":221.355,"sentiment":"neutral","sentiment_score":0.09400747106833891}],"sentiment":"neutral","sentiment_score":0.15279241502285004,"channel":0,"num_words":30,"start":205.6,"end":221.355},{"sentences":[{"text":"Is that right?","start":221.355,"end":222.255,"sentiment":"neutral","sentiment_score":0.1163909633954366}],"sentiment":"neutral","sentiment_score":0.1163909633954366,"channel":0,"num_words":3,"start":221.355,"end":222.255},{"sentences":[{"text":"Yes.","start":222.67,"end":222.945,"sentiment":"neutral","sentiment_score":0.13088135421276093}],"sentiment":"neutral","sentiment_score":0.13088135421276093,"channel":1,"num_words":1,"start":222.67,"end":222.945},{"sentences":[{"text":"Yeah.","start":223.595,"end":224.075,"sentiment":"neutral","sentiment_score":0.21092236042022705},{"text":"Beautiful.","start":224.075,"end":224.575,"sentiment":"neutral","sentiment_score":0.2990860939025879},{"text":"So if we have a look with income protection, you can be covered for up to 70% of your income.","start":224.795,"end":229.79999,"sentiment":"neutral","sentiment_score":0.07491752300411463},{"text":"Just having a look at what that looks like.","start":230.57999,"end":232.92,"sentiment":"neutral","sentiment_score":0.07460452698998982},{"text":"So to be covered for 70% of your current income based at the 127,500, it does mean that we would need to have, sorry, just quickly doing some math for you, a monthly benefit of 7,437 and 50¢.","start":233.37999,"end":251.92499,"sentiment":"neutral","sentiment_score":0.06951690369562523}],"sentiment":"neutral","sentiment_score":0.07723419255960513,"channel":0,"num_words":69,"start":223.595,"end":251.92499},{"sentences":[{"text":"So you are just slightly underinsured there.","start":251.92499,"end":254.58499,"sentiment":"neutral","sentiment_score":-0.023651417876992906},{"text":"Given your current circumstances that you are selling the house with everything going on, do you feel like the monthly benefit of 6,188 pretax would be sufficient for you, or did you wanna look at maybe increasing your income protection for that little bit of extra peace of mind?","start":254.805,"end":272.86,"sentiment":"neutral","sentiment_score":0.1306677684187889}],"sentiment":"neutral","sentiment_score":0.11137787013181619,"channel":0,"num_words":56,"start":251.92499,"end":272.86},{"sentences":[{"text":"Sorry.","start":274.995,"end":275.495,"sentiment":"neutral","sentiment_score":-0.014384668320417404}],"sentiment":"neutral","sentiment_score":-0.014384668320417404,"channel":1,"num_words":1,"start":274.995,"end":275.495},{"sentences":[{"text":"That's okay.","start":276.415,"end":277.155,"sentiment":"neutral","sentiment_score":-0.03672444075345993}],"sentiment":"neutral","sentiment_score":-0.03672444075345993,"channel":0,"num_words":2,"start":276.415,"end":277.155},{"sentences":[{"text":"No.","start":276.915,"end":277.23502,"sentiment":"neutral","sentiment_score":-0.17674818634986875},{"text":"I don't think so.","start":277.23502,"end":277.875,"sentiment":"neutral","sentiment_score":-0.17831675708293915},{"text":"Not at the moment.","start":277.875,"end":278.595,"sentiment":"neutral","sentiment_score":-0.2003258615732193},{"text":"I just","start":278.595,"end":279.23502,"sentiment":"neutral","sentiment_score":-0.06575658172369003}],"sentiment":"neutral","sentiment_score":-0.16571198403835297,"channel":1,"num_words":11,"start":276.915,"end":279.23502},{"sentences":[{"text":"Yeah.","start":279.295,"end":279.795,"sentiment":"neutral","sentiment_score":-0.02637229673564434}],"sentiment":"neutral","sentiment_score":-0.02637229673564434,"channel":0,"num_words":1,"start":279.295,"end":279.795},{"sentences":[{"text":"yeah.","start":279.395,"end":279.895,"sentiment":"neutral","sentiment_score":-0.045164451003074646},{"text":"I just wanna leave it.","start":280.035,"end":281.495,"sentiment":"neutral","sentiment_score":-0.03058181591331959},{"text":"Well, for","start":282.035,"end":282.515,"sentiment":"neutral","sentiment_score":-0.014144753105938435}],"sentiment":"neutral","sentiment_score":-0.02829537959769368,"channel":1,"num_words":8,"start":279.395,"end":282.515},{"sentences":[{"text":"I","start":282.495,"end":282.655,"sentiment":"neutral","sentiment_score":-0.002269502729177475}],"sentiment":"neutral","sentiment_score":-0.002269502729177475,"channel":0,"num_words":1,"start":282.495,"end":282.655},{"sentences":[{"text":"the","start":282.515,"end":282.675,"sentiment":"neutral","sentiment_score":0.0076217614114284515}],"sentiment":"neutral","sentiment_score":0.0076217614114284515,"channel":1,"num_words":1,"start":282.515,"end":282.675},{"sentences":[{"text":"can.","start":282.655,"end":283.155,"sentiment":"neutral","sentiment_score":-0.0082799531519413}],"sentiment":"neutral","sentiment_score":-0.0082799531519413,"channel":0,"num_words":1,"start":282.655,"end":283.155},{"sentences":[{"text":"time being, anyway, I","start":282.675,"end":284.035,"sentiment":"neutral","sentiment_score":-0.01300899963825941}],"sentiment":"neutral","sentiment_score":-0.01300899963825941,"channel":1,"num_words":4,"start":282.675,"end":284.035},{"sentences":[{"text":"Yeah.","start":283.935,"end":284.435,"sentiment":"neutral","sentiment_score":-0.020172875374555588}],"sentiment":"neutral","sentiment_score":-0.020172875374555588,"channel":0,"num_words":1,"start":283.935,"end":284.435},{"sentences":[{"text":"just haven't","start":284.035,"end":284.595,"sentiment":"neutral","sentiment_score":-0.03339103236794472}],"sentiment":"neutral","sentiment_score":-0.03339103236794472,"channel":1,"num_words":2,"start":284.035,"end":284.595},{"sentences":[{"text":"That's","start":284.495,"end":284.815,"sentiment":"neutral","sentiment_score":-0.029913684353232384}],"sentiment":"neutral","sentiment_score":-0.029913684353232384,"channel":0,"num_words":1,"start":284.495,"end":284.815},{"sentences":[{"text":"put","start":284.595,"end":284.835,"sentiment":"neutral","sentiment_score":0.0039967820048332214}],"sentiment":"neutral","sentiment_score":0.0039967820048332214,"channel":1,"num_words":1,"start":284.595,"end":284.835},{"sentences":[{"text":"okay.","start":284.815,"end":285.315,"sentiment":"neutral","sentiment_score":-0.020798109471797943}],"sentiment":"neutral","sentiment_score":-0.020798109471797943,"channel":0,"num_words":1,"start":284.815,"end":285.315},{"sentences":[{"text":"any serious thought into that, and I just, yeah, I just gonna leave it alone and for the time being.","start":284.835,"end":290.4,"sentiment":"neutral","sentiment_score":0.010885609872639179},{"text":"Like, when when we talk soon and things start getting back to where they should, then I'll make some considerations for that sort of stuff.","start":290.4,"end":297.28,"sentiment":"neutral","sentiment_score":0.028860866203904153},{"text":"But,","start":297.28,"end":297.78,"sentiment":"neutral","sentiment_score":0.07368947565555573}],"sentiment":"neutral","sentiment_score":0.022020072352303112,"channel":1,"num_words":46,"start":284.835,"end":297.78},{"sentences":[{"text":"Yeah.","start":297.82498,"end":298.145,"sentiment":"neutral","sentiment_score":0.25217974185943604},{"text":"Absolutely.","start":298.145,"end":298.645,"sentiment":"positive","sentiment_score":0.4067450165748596}],"sentiment":"neutral","sentiment_score":0.3294623792171478,"channel":0,"num_words":2,"start":297.82498,"end":298.645},{"sentences":[{"text":"yeah, it's all good for now.","start":299.19998,"end":300.855,"sentiment":"positive","sentiment_score":0.4794335911671321}],"sentiment":"positive","sentiment_score":0.4794335911671321,"channel":1,"num_words":6,"start":299.19998,"end":300.855},{"sentences":[{"text":"No.","start":301.10498,"end":301.425,"sentiment":"neutral","sentiment_score":0.13128596544265747},{"text":"Not a problem at all.","start":301.425,"end":302.305,"sentiment":"neutral","sentiment_score":0.1313684180378914},{"text":"And because we are gonna meet in a couple of weeks, you've kind of got this context here.","start":302.305,"end":306.145,"sentiment":"neutral","sentiment_score":0.1473523374232981},{"text":"So if something comes up and you go, hey.","start":306.145,"end":308.22498,"sentiment":"neutral","sentiment_score":0.11526607059770161},{"text":"Maybe I do wanna reassess or maybe, you know, what this scenario, you can always bring those up with me again.","start":308.22498,"end":314.28,"sentiment":"neutral","sentiment_score":0.14532851676146188}],"sentiment":"neutral","sentiment_score":0.13944006697447212,"channel":0,"num_words":54,"start":301.10498,"end":314.28},{"sentences":[{"text":"We have that secondary conversation to really, knock down, and we can always reassess it at any point.","start":314.28,"end":320.2,"sentiment":"neutral","sentiment_score":0.23064413170019785},{"text":"You don't have to wait to end your review time.","start":320.2,"end":322.2,"sentiment":"neutral","sentiment_score":0.1392368942499161},{"text":"If something ever comes up, that you wanted us to discuss or look at, you're welcome to let us know.","start":322.2,"end":327.775,"sentiment":"neutral","sentiment_score":0.187560024112463},{"text":"We'll book you in and make sure we have those conversations with you as well.","start":327.775,"end":331.45502,"sentiment":"neutral","sentiment_score":0.26828203002611795},{"text":"Okay?","start":331.45502,"end":331.95502,"sentiment":"neutral","sentiment_score":0.18085290491580963}],"sentiment":"neutral","sentiment_score":0.21094136172905564,"channel":0,"num_words":64,"start":314.28,"end":331.95502},{"sentences":[{"text":"Okay.","start":331.845,"end":332.345,"sentiment":"positive","sentiment_score":0.493553102016449},{"text":"Perfect.","start":332.405,"end":332.905,"sentiment":"positive","sentiment_score":0.6763162016868591}],"sentiment":"positive","sentiment_score":0.584934651851654,"channel":1,"num_words":2,"start":331.845,"end":332.905},{"sentences":[{"text":"Beautiful.","start":333.05502,"end":333.55502,"sentiment":"positive","sentiment_score":0.6565834879875183},{"text":"Lovely.","start":333.775,"end":334.17502,"sentiment":"neutral","sentiment_score":0.3055933713912964},{"text":"Now just so you are aware, there are other types of insurances that you can hold, things like trauma.","start":334.17502,"end":339.09,"sentiment":"neutral","sentiment_score":-0.08738908818677853},{"text":"And because you do have children, you can also get child trauma policies as well.","start":339.15,"end":343.33,"sentiment":"neutral","sentiment_score":0.032947740703821185},{"text":"These sort of policies are paid out of your back pocket, so probably not preferable now with all the changes going on.","start":343.63,"end":349.57,"sentiment":"neutral","sentiment_score":-0.08763824911280112}],"sentiment":"neutral","sentiment_score":-0.03675933079472903,"channel":0,"num_words":58,"start":333.05502,"end":349.57},{"sentences":[{"text":"But, essentially, trauma and child trauma tend to pay out a lump sum tax free benefits in the event that you or your kids are diagnosed as major traumatic events.","start":350.03,"end":359.815,"sentiment":"neutral","sentiment_score":-0.007749541165928046},{"text":"Some of the bigger ones that are considered are like cancer.","start":360.195,"end":363.33502,"sentiment":"neutral","sentiment_score":-0.0615657273341309},{"text":"For trauma, it also covers things like heart attacks, strokes, Parkinson's, or other neurological conditions.","start":363.875,"end":369.92,"sentiment":"neutral","sentiment_score":-0.006639938863615195},{"text":"So they are major conditions, that they that you can claim on, and these are the policies can be fairly cheap depending on how much you wanna be covered for.","start":369.92,"end":379.28,"sentiment":"neutral","sentiment_score":0.1032706535110871},{"text":"But the problem with trauma and child trauma is you have to pay for it out of your back pocket.","start":379.28,"end":383.765,"sentiment":"negative","sentiment_score":-0.35856637358665466}],"sentiment":"neutral","sentiment_score":-0.04794826589630179,"channel":0,"num_words":106,"start":350.03,"end":383.765},{"sentences":[{"text":"So it does depend upon your current cash flow, living expenses, and how everything's going for yourself as to whether you can afford to cover that cost.","start":383.765,"end":392.025,"sentiment":"neutral","sentiment_score":-0.28440589485345064},{"text":"Whereas, yeah, whereas life and income protection, you can hold inside super and pay out of your super side of things.","start":392.805,"end":399.91,"sentiment":"neutral","sentiment_score":-0.12297057750679198},{"text":"So there is just that to sort of make sure that you're aware of as well.","start":400.29,"end":404.15,"sentiment":"neutral","sentiment_score":-0.08916913904249668}],"sentiment":"neutral","sentiment_score":-0.18262574239633977,"channel":0,"num_words":64,"start":383.765,"end":404.15},{"sentences":[{"text":"Yeah.","start":404.27,"end":404.67,"sentiment":"neutral","sentiment_score":-0.02307925373315811},{"text":"Yeah.","start":404.67,"end":404.99,"sentiment":"neutral","sentiment_score":-0.014232050627470016}],"sentiment":"neutral","sentiment_score":-0.018655652180314064,"channel":1,"num_words":2,"start":404.27,"end":404.99},{"sentences":[{"text":"Are you","start":404.69,"end":405.25,"sentiment":"neutral","sentiment_score":-0.014654870145022869}],"sentiment":"neutral","sentiment_score":-0.014654870145022869,"channel":0,"num_words":2,"start":404.69,"end":405.25},{"sentences":[{"text":"I had","start":404.99,"end":405.31,"sentiment":"neutral","sentiment_score":-0.015794869512319565}],"sentiment":"neutral","sentiment_score":-0.015794869512319565,"channel":1,"num_words":2,"start":404.99,"end":405.31},{"sentences":[{"text":"wanting?","start":405.25,"end":405.75,"sentiment":"neutral","sentiment_score":-0.036503177136182785}],"sentiment":"neutral","sentiment_score":-0.036503177136182785,"channel":0,"num_words":1,"start":405.25,"end":405.75},{"sentences":[{"text":"I had trauma at","start":405.31,"end":406.43,"sentiment":"neutral","sentiment_score":-0.10372735932469368}],"sentiment":"neutral","sentiment_score":-0.10372735932469368,"channel":1,"num_words":4,"start":405.31,"end":406.43},{"sentences":[{"text":"Yeah.","start":406.375,"end":406.875,"sentiment":"neutral","sentiment_score":-0.07951288670301437}],"sentiment":"neutral","sentiment_score":-0.07951288670301437,"channel":0,"num_words":1,"start":406.375,"end":406.875},{"sentences":[{"text":"first, and and then I just okay.","start":406.43,"end":409.165,"sentiment":"neutral","sentiment_score":-0.1306624902146203},{"text":"It kept coming out.","start":409.165,"end":410.125,"sentiment":"neutral","sentiment_score":-0.2557455040514469},{"text":"I'm like, you know, when you just feel like there's no need.","start":410.125,"end":414.305,"sentiment":"neutral","sentiment_score":-0.24201907590031624}],"sentiment":"neutral","sentiment_score":-0.2105151460222576,"channel":1,"num_words":23,"start":406.43,"end":414.305},{"sentences":[{"text":"Yeah.","start":414.695,"end":415.195,"sentiment":"neutral","sentiment_score":-0.07710055261850357}],"sentiment":"neutral","sentiment_score":-0.07710055261850357,"channel":0,"num_words":1,"start":414.695,"end":415.195},{"sentences":[{"text":"So","start":415.405,"end":415.645,"sentiment":"neutral","sentiment_score":-0.04494980722665787}],"sentiment":"neutral","sentiment_score":-0.04494980722665787,"channel":1,"num_words":1,"start":415.405,"end":415.645},{"sentences":[{"text":"Yeah.","start":415.415,"end":415.915,"sentiment":"neutral","sentiment_score":-0.04073790833353996}],"sentiment":"neutral","sentiment_score":-0.04073790833353996,"channel":0,"num_words":1,"start":415.415,"end":415.915},{"sentences":[{"text":"and and since then, I mean, it's been a couple of years now that there's been no trauma.","start":416.205,"end":420.285,"sentiment":"neutral","sentiment_score":-0.00445140994795818},{"text":"I'm not saying there isn't gonna be trauma, but so far so good.","start":420.285,"end":424.79,"sentiment":"neutral","sentiment_score":0.05246845897860252},{"text":"So, yeah, I'll be just I'll I'll leave that alone again for","start":424.79,"end":427.51,"sentiment":"neutral","sentiment_score":0.059316944951812424}],"sentiment":"neutral","sentiment_score":0.03055274249024034,"channel":1,"num_words":43,"start":416.205,"end":427.51},{"sentences":[{"text":"Yeah.","start":427.43,"end":427.91,"sentiment":"neutral","sentiment_score":0.033488668501377106}],"sentiment":"neutral","sentiment_score":0.033488668501377106,"channel":0,"num_words":1,"start":427.43,"end":427.91},{"sentences":[{"text":"the time being","start":427.51,"end":428.15,"sentiment":"neutral","sentiment_score":0.019863526647289593}],"sentiment":"neutral","sentiment_score":0.019863526647289593,"channel":1,"num_words":3,"start":427.51,"end":428.15},{"sentences":[{"text":"Yeah.","start":427.91,"end":428.41,"sentiment":"neutral","sentiment_score":0.031024813652038578}],"sentiment":"neutral","sentiment_score":0.031024813652038578,"channel":0,"num_words":1,"start":427.91,"end":428.41},{"sentences":[{"text":"just until, yeah, things balance out.","start":428.15,"end":430.73,"sentiment":"neutral","sentiment_score":0.047733524503807225}],"sentiment":"neutral","sentiment_score":0.047733524503807225,"channel":1,"num_words":6,"start":428.15,"end":430.73},{"sentences":[{"text":"No.","start":430.805,"end":431.045,"sentiment":"neutral","sentiment_score":0.14599457383155823},{"text":"That's absolutely fine.","start":431.045,"end":432.405,"sentiment":"neutral","sentiment_score":0.32057999571164447},{"text":"That's not a problem at all.","start":432.405,"end":433.845,"sentiment":"positive","sentiment_score":0.5009284367163976},{"text":"Easy done.","start":433.845,"end":434.805,"sentiment":"positive","sentiment_score":0.5040083825588226},{"text":"So that's essentially looking at your super and the insurance side of things.","start":434.805,"end":437.845,"sentiment":"positive","sentiment_score":0.3931177831613101}],"sentiment":"positive","sentiment_score":0.40927412509918215,"channel":0,"num_words":25,"start":430.805,"end":437.845},{"sentences":[{"text":"It's good to see things are working there for you.","start":437.845,"end":440.345,"sentiment":"positive","sentiment_score":0.6283775448799134},{"text":"Just looking at goal wise with your super, I mean, I know we're gonna look at sort of the next five to ten years and look at investing outside of super and all the other aspects there for you.","start":440.48502,"end":449.97,"sentiment":"positive","sentiment_score":0.33416017928184605},{"text":"But are you sort of hoping to, at the age of 60, maybe be able to start working and access your super, so try to access super at the earliest possible opportunity.","start":449.97,"end":458.855,"sentiment":"neutral","sentiment_score":0.2624785762745887},{"text":"What's your thoughts with your super goal?","start":458.995,"end":460.935,"sentiment":"neutral","sentiment_score":0.17723953936781203}],"sentiment":"neutral","sentiment_score":0.32904560974037106,"channel":0,"num_words":88,"start":437.845,"end":460.935},{"sentences":[{"text":"Yeah.","start":461.235,"end":461.555,"sentiment":"neutral","sentiment_score":0.11264348030090332},{"text":"100%.","start":461.555,"end":462.19498,"sentiment":"neutral","sentiment_score":0.1402006298303604},{"text":"I mean, if I can do","start":462.19498,"end":463.07498,"sentiment":"neutral","sentiment_score":0.0305643683920304}],"sentiment":"neutral","sentiment_score":0.054528790060430765,"channel":1,"num_words":8,"start":461.235,"end":463.07498},{"sentences":[{"text":"Yeah.","start":462.995,"end":463.495,"sentiment":"neutral","sentiment_score":0.06499866396188736}],"sentiment":"neutral","sentiment_score":0.06499866396188736,"channel":0,"num_words":1,"start":462.995,"end":463.495},{"sentences":[{"text":"that, great.","start":463.07498,"end":463.895,"sentiment":"neutral","sentiment_score":0.23145747929811478},{"text":"I mean, any any any chance to stop working early, I would tag.","start":464.035,"end":469.175,"sentiment":"neutral","sentiment_score":-0.0211524201127199}],"sentiment":"neutral","sentiment_score":0.01252889980872472,"channel":1,"num_words":15,"start":463.07498,"end":469.175},{"sentences":[{"text":"Yeah.","start":469.155,"end":469.655,"sentiment":"neutral","sentiment_score":0.32135316729545593},{"text":"Beautiful.","start":469.955,"end":470.455,"sentiment":"positive","sentiment_score":0.5822077393531799}],"sentiment":"positive","sentiment_score":0.45178045332431793,"channel":0,"num_words":2,"start":469.155,"end":470.455},{"sentences":[{"text":"But I feel like maybe I don't know.","start":470.275,"end":473.43002,"sentiment":"neutral","sentiment_score":-0.05283837579190731},{"text":"I wouldn't say too little, too late, but I'll probably just be stepping back a little bit when I get to that age as opposed to stopping completely.","start":473.43002,"end":480.09003,"sentiment":"neutral","sentiment_score":-0.13148727613900388},{"text":"So","start":480.15002,"end":480.65002,"sentiment":"neutral","sentiment_score":-0.021347112953662872}],"sentiment":"neutral","sentiment_score":-0.11150534732921703,"channel":1,"num_words":37,"start":470.275,"end":480.65002},{"sentences":[{"text":"Yeah.","start":480.92,"end":481.42,"sentiment":"neutral","sentiment_score":0.02826092764735222},{"text":"Yeah.","start":481.64,"end":482.14,"sentiment":"neutral","sentiment_score":0.030609317123889923}],"sentiment":"neutral","sentiment_score":0.02943512238562107,"channel":0,"num_words":2,"start":480.92,"end":482.14},{"sentences":[{"text":"I don't know.","start":481.83002,"end":482.31,"sentiment":"neutral","sentiment_score":-0.04218488186597824},{"text":"I guess we'll just see how things go over that next ten years.","start":482.31,"end":484.79,"sentiment":"neutral","sentiment_score":-0.010697618126869202},{"text":"But look, any chance I I could get to get out of, you know, the daily grind, I would take it.","start":484.79,"end":490.585,"sentiment":"neutral","sentiment_score":0.1546434135664077},{"text":"You","start":490.645,"end":490.805,"sentiment":"neutral","sentiment_score":0.07659701257944107}],"sentiment":"neutral","sentiment_score":0.08048644779544127,"channel":1,"num_words":38,"start":481.83002,"end":490.805},{"sentences":[{"text":"Yeah.","start":490.77502,"end":490.855,"sentiment":"neutral","sentiment_score":0.09831279516220091}],"sentiment":"neutral","sentiment_score":0.09831279516220091,"channel":0,"num_words":1,"start":490.77502,"end":490.855},{"sentences":[{"text":"know?","start":490.805,"end":491.305,"sentiment":"neutral","sentiment_score":0.09178826212882996}],"sentiment":"neutral","sentiment_score":0.09178826212882996,"channel":1,"num_words":1,"start":490.805,"end":491.305},{"sentences":[{"text":"Absolutely.","start":490.855,"end":491.355,"sentiment":"neutral","sentiment_score":0.16585621237754822},{"text":"No.","start":492.77502,"end":493.17502,"sentiment":"neutral","sentiment_score":0.02076856791973114},{"text":"Perfect.","start":493.17502,"end":493.49503,"sentiment":"neutral","sentiment_score":0.32592666149139404},{"text":"Well, what I'll do for your super side of things, I'll work on a goal of 60.","start":493.49503,"end":497.68,"sentiment":"positive","sentiment_score":0.34034976626143737},{"text":"That essentially means we're tracking for the earliest possible retirement with your super side, and then essentially gives you the option to continue working if you want to, or you can stop working if you choose to as well.","start":497.74002,"end":509.18,"sentiment":"neutral","sentiment_score":0.20940594164988932}],"sentiment":"neutral","sentiment_score":0.2451750710606575,"channel":0,"num_words":59,"start":490.855,"end":509.18},{"sentences":[{"text":"Okay?","start":509.18,"end":509.68,"sentiment":"neutral","sentiment_score":0.1119481325149536}],"sentiment":"neutral","sentiment_score":0.1119481325149536,"channel":0,"num_words":1,"start":509.18,"end":509.68},{"sentences":[{"text":"What do you think about, like, if if I forget the super to two fifty k, basically, as quick as possible to let that run then as as, you know, as you mentioned earlier, and then","start":509.46,"end":519.715,"sentiment":"neutral","sentiment_score":0.12216594991170698}],"sentiment":"neutral","sentiment_score":0.12216594991170698,"channel":1,"num_words":36,"start":509.46,"end":519.715},{"sentences":[{"text":"Yeah.","start":519.22504,"end":519.72504,"sentiment":"neutral","sentiment_score":0.10348919034004211}],"sentiment":"neutral","sentiment_score":0.10348919034004211,"channel":0,"num_words":1,"start":519.22504,"end":519.72504},{"sentences":[{"text":"to flip the focus onto something or maybe doing both at the same time, like, you know, investing extra cash into the super to get it where it needs to be quicker.","start":519.775,"end":529.58997,"sentiment":"neutral","sentiment_score":0.15579133410938084}],"sentiment":"neutral","sentiment_score":0.15579133410938084,"channel":1,"num_words":32,"start":519.775,"end":529.58997},{"sentences":[{"text":"Yep.","start":530.04,"end":530.54,"sentiment":"neutral","sentiment_score":0.13924387097358704}],"sentiment":"neutral","sentiment_score":0.13924387097358704,"channel":0,"num_words":1,"start":530.04,"end":530.54},{"sentences":[{"text":"And then, yeah, and then with one of your ideas outside of super, you know, to do maybe do that at the same time or after.","start":531.08997,"end":538.52997,"sentiment":"neutral","sentiment_score":0.11613391526043415},{"text":"I don't know.","start":538.52997,"end":539.33,"sentiment":"neutral","sentiment_score":-0.04065705897907416},{"text":"Yeah.","start":539.33,"end":539.57,"sentiment":"neutral","sentiment_score":0.012918386608362198},{"text":"That's sort of","start":539.57,"end":540.345,"sentiment":"neutral","sentiment_score":0.009561740327626467}],"sentiment":"neutral","sentiment_score":0.08906406749773657,"channel":1,"num_words":33,"start":531.08997,"end":540.345},{"sentences":[{"text":"Yeah.","start":540.375,"end":540.875,"sentiment":"neutral","sentiment_score":0.005728207528591156}],"sentiment":"neutral","sentiment_score":0.005728207528591156,"channel":0,"num_words":1,"start":540.375,"end":540.875},{"sentences":[{"text":"where my head's going at the minute.","start":540.90497,"end":542.685,"sentiment":"neutral","sentiment_score":-0.01835053041577339}],"sentiment":"neutral","sentiment_score":-0.01835053041577339,"channel":1,"num_words":7,"start":540.90497,"end":542.685},{"sentences":[{"text":"Yeah.","start":542.615,"end":543.015,"sentiment":"neutral","sentiment_score":0.21783071756362915},{"text":"Absolutely.","start":543.015,"end":543.515,"sentiment":"neutral","sentiment_score":0.3280562162399292},{"text":"And what we'll do is once I've got an idea of your goals and we have that second conversation, I can run all those scenarios for you.","start":544.215,"end":550.03,"sentiment":"neutral","sentiment_score":0.29404867709510857},{"text":"I can look at whether we put money into super now and kinda build up to two fifty then stop salary sacrificing and, you know, put money into an investment outside and what that projection looks like or whether we do it simultaneously.","start":550.03,"end":562.45,"sentiment":"neutral","sentiment_score":0.11578570453580035},{"text":"I will run all those projections to come up with the advice for you.","start":563.84503,"end":567.465,"sentiment":"neutral","sentiment_score":0.2781400957277843}],"sentiment":"neutral","sentiment_score":0.20183660291395214,"channel":0,"num_words":86,"start":542.615,"end":567.465},{"sentences":[{"text":"That's my job to make sure I look at all the different options and scenarios and work out the best one.","start":567.525,"end":572.585,"sentiment":"neutral","sentiment_score":0.3314137742632911},{"text":"And then I'll let you know what I'm recommending, why I'm recommending that the advantages, disadvantages, and the risks.","start":572.965,"end":578.46,"sentiment":"neutral","sentiment_score":0.19063109623599112},{"text":"And I also put alternatives into the appendix for you as well so you can see other things that we may have considered and why we went with the option we did.","start":578.86005,"end":587.2,"sentiment":"neutral","sentiment_score":0.19465117692016065}],"sentiment":"neutral","sentiment_score":0.23347941318691787,"channel":0,"num_words":72,"start":567.525,"end":587.2},{"sentences":[{"text":"Okay.","start":587.51,"end":588.01,"sentiment":"neutral","sentiment_score":0.25263503193855286}],"sentiment":"neutral","sentiment_score":0.25263503193855286,"channel":1,"num_words":1,"start":587.51,"end":588.01},{"sentences":[{"text":"But, yeah, though those sorts of scenarios are absolutely worth looking at.","start":587.98004,"end":591.42004,"sentiment":"neutral","sentiment_score":0.19445744094749293},{"text":"Yes.","start":591.42004,"end":591.74005,"sentiment":"positive","sentiment_score":0.4334707856178284},{"text":"Definitely.","start":591.74005,"end":592.22003,"sentiment":"positive","sentiment_score":0.4954328238964081},{"text":"It also comes down to what your expendable income looks like, what you have available to you, and what you're comfortable investing as well without, you know, eating too much away the cash flow because you do have kids, and the cost of living is definitely not cheap.","start":592.22003,"end":605.925,"sentiment":"neutral","sentiment_score":0.11859026209761699},{"text":"It's expensive.","start":606.065,"end":606.725,"sentiment":"neutral","sentiment_score":-0.24741286039352417}],"sentiment":"neutral","sentiment_score":0.13218593376222998,"channel":0,"num_words":64,"start":587.98004,"end":606.725},{"sentences":[{"text":"No.","start":606.70996,"end":606.94995,"sentiment":"neutral","sentiment_score":-0.2433246523141861},{"text":"It's not.","start":606.94995,"end":607.76996,"sentiment":"neutral","sentiment_score":-0.2219286412000656},{"text":"Okay.","start":607.91,"end":608.41,"sentiment":"neutral","sentiment_score":0.0030314363539218903}],"sentiment":"neutral","sentiment_score":-0.17103762459009886,"channel":1,"num_words":4,"start":606.70996,"end":608.41},{"sentences":[{"text":"Yeah.","start":609.62994,"end":610.11,"sentiment":"neutral","sentiment_score":0.0428650975227356},{"text":"But no.","start":610.11,"end":610.67,"sentiment":"neutral","sentiment_score":-0.018240686506032944},{"text":"Those are the things that are definitely worth looking at.","start":610.67,"end":612.75,"sentiment":"neutral","sentiment_score":0.2222781479358673},{"text":"Absolutely.","start":612.75,"end":613.25,"sentiment":"positive","sentiment_score":0.4843292832374573},{"text":"Yeah.","start":613.79,"end":614.29,"sentiment":"positive","sentiment_score":0.48618876934051514}],"sentiment":"neutral","sentiment_score":0.21331221709648768,"channel":0,"num_words":15,"start":609.62994,"end":614.29},{"sentences":[{"text":"Perfect.","start":615.79,"end":616.29,"sentiment":"positive","sentiment_score":0.5981726050376892}],"sentiment":"positive","sentiment_score":0.5981726050376892,"channel":0,"num_words":1,"start":615.79,"end":616.29},{"sentences":[{"text":"Okay.","start":616.14996,"end":616.64996,"sentiment":"neutral","sentiment_score":0.29388850927352905}],"sentiment":"neutral","sentiment_score":0.29388850927352905,"channel":1,"num_words":1,"start":616.14996,"end":616.64996},{"sentences":[{"text":"Now at the moment, I know we will sort of update these things down the track, but at the moment, are you finding you are managing to save anything at all at the end of the week, or is everything kinda going into the property whilst you are going through that settlement phase?","start":617.14996,"end":630.305,"sentiment":"neutral","sentiment_score":0.09713150251586482}],"sentiment":"neutral","sentiment_score":0.09713150251586482,"channel":0,"num_words":53,"start":617.14996,"end":630.305},{"sentences":[{"text":"So I think I like, I should be pretty comfy putting away $400 a week","start":630.06,"end":636.80005,"sentiment":"positive","sentiment_score":0.400493519504865}],"sentiment":"positive","sentiment_score":0.400493519504865,"channel":1,"num_words":15,"start":630.06,"end":636.80005},{"sentences":[{"text":"Yeah.","start":637.02,"end":637.52,"sentiment":"neutral","sentiment_score":0.18601033091545105}],"sentiment":"neutral","sentiment_score":0.18601033091545105,"channel":0,"num_words":1,"start":637.02,"end":637.52},{"sentences":[{"text":"and then still having a little bit to play with.","start":637.26,"end":639.26,"sentiment":"neutral","sentiment_score":0.09566775858402252},{"text":"But, like because I'm paying $6.50 in rent.","start":639.26,"end":641.42004,"sentiment":"neutral","sentiment_score":-0.006544371775817126},{"text":"I pay $3.50 towards maintenance a week, and it's just a massive","start":641.42004,"end":648.285,"sentiment":"neutral","sentiment_score":0.011081705490748087}],"sentiment":"neutral","sentiment_score":0.03457676925075551,"channel":1,"num_words":30,"start":637.26,"end":648.285},{"sentences":[{"text":"Yeah.","start":647.91504,"end":648.41504,"sentiment":"neutral","sentiment_score":0.09939499199390411}],"sentiment":"neutral","sentiment_score":0.09939499199390411,"channel":0,"num_words":1,"start":647.91504,"end":648.41504},{"sentences":[{"text":"killer.","start":648.285,"end":648.605,"sentiment":"neutral","sentiment_score":0.1405390202999115},{"text":"I'm like, oh, yeah.","start":648.605,"end":649.745,"sentiment":"neutral","sentiment_score":0.11983997374773026}],"sentiment":"neutral","sentiment_score":0.12397978305816651,"channel":1,"num_words":5,"start":648.285,"end":649.745},{"sentences":[{"text":"Yeah.","start":650.155,"end":650.655,"sentiment":"neutral","sentiment_score":0.13810284435749054}],"sentiment":"neutral","sentiment_score":0.13810284435749054,"channel":0,"num_words":1,"start":650.155,"end":650.655},{"sentences":[{"text":"And","start":650.605,"end":650.76495,"sentiment":"neutral","sentiment_score":0.10667377710342409}],"sentiment":"neutral","sentiment_score":0.10667377710342409,"channel":1,"num_words":1,"start":650.605,"end":650.76495},{"sentences":[{"text":"Yeah.","start":650.715,"end":651.215,"sentiment":"neutral","sentiment_score":0.08786500990390778}],"sentiment":"neutral","sentiment_score":0.08786500990390778,"channel":0,"num_words":1,"start":650.715,"end":651.215},{"sentences":[{"text":"then I've got so I've got about $7,800 left over each week.","start":650.76495,"end":654.125,"sentiment":"neutral","sentiment_score":0.10543356090784073},{"text":"And when you think about,","start":654.125,"end":655.345,"sentiment":"neutral","sentiment_score":0.05145055130124092}],"sentiment":"neutral","sentiment_score":0.08955620514119372,"channel":1,"num_words":17,"start":650.76495,"end":655.345},{"sentences":[{"text":"Yeah.","start":656.23505,"end":656.73505,"sentiment":"neutral","sentiment_score":-0.044318895787000656}],"sentiment":"neutral","sentiment_score":-0.044318895787000656,"channel":0,"num_words":1,"start":656.23505,"end":656.73505},{"sentences":[{"text":"you know, the funds you put aside for the daily and, you you know, just your regular bills and things like that and groceries, yeah, I think I'm comfortably doing something with $400 a week, whether","start":656.52,"end":668.52,"sentiment":"neutral","sentiment_score":0.15674195324795115}],"sentiment":"neutral","sentiment_score":0.15674195324795115,"channel":1,"num_words":36,"start":656.52,"end":668.52},{"sentences":[{"text":"Yeah.","start":668.32996,"end":668.82996,"sentiment":"neutral","sentiment_score":0.05472119525074959}],"sentiment":"neutral","sentiment_score":0.05472119525074959,"channel":0,"num_words":1,"start":668.32996,"end":668.82996},{"sentences":[{"text":"it go into","start":668.52,"end":669.08,"sentiment":"neutral","sentiment_score":0.06623615821202596}],"sentiment":"neutral","sentiment_score":0.06623615821202596,"channel":1,"num_words":3,"start":668.52,"end":669.08},{"sentences":[{"text":"Yeah.","start":668.97,"end":669.47,"sentiment":"neutral","sentiment_score":0.05249170958995819}],"sentiment":"neutral","sentiment_score":0.05249170958995819,"channel":0,"num_words":1,"start":668.97,"end":669.47},{"sentences":[{"text":"savings or whether it go you know?","start":669.08,"end":670.86,"sentiment":"neutral","sentiment_score":0.0590235207762037},{"text":"It's it's annual review time too, so we've had a pretty solid year.","start":671.585,"end":675.66504,"sentiment":"positive","sentiment_score":0.5519355718906109},{"text":"I'm expecting something good to come from that over the sort","start":675.66504,"end":679.825,"sentiment":"positive","sentiment_score":0.6486833637410944}],"sentiment":"positive","sentiment_score":0.4749627122955938,"channel":1,"num_words":31,"start":669.08,"end":679.825},{"sentences":[{"text":"Fantastic.","start":679.745,"end":680.245,"sentiment":"positive","sentiment_score":0.7307124137878418}],"sentiment":"positive","sentiment_score":0.7307124137878418,"channel":0,"num_words":1,"start":679.745,"end":680.245},{"sentences":[{"text":"of next couple of months, which is which would","start":679.825,"end":681.745,"sentiment":"neutral","sentiment_score":0.21277177002694872}],"sentiment":"neutral","sentiment_score":0.21277177002694872,"channel":1,"num_words":9,"start":679.825,"end":681.745},{"sentences":[{"text":"Yep.","start":681.66504,"end":682.11,"sentiment":"neutral","sentiment_score":0.2998799979686737}],"sentiment":"neutral","sentiment_score":0.2998799979686737,"channel":0,"num_words":1,"start":681.66504,"end":682.11},{"sentences":[{"text":"be nice.","start":681.745,"end":682.405,"sentiment":"positive","sentiment_score":0.42862989008426666}],"sentiment":"positive","sentiment_score":0.42862989008426666,"channel":1,"num_words":2,"start":681.745,"end":682.405},{"sentences":[{"text":"Yep.","start":683.07,"end":683.57,"sentiment":"neutral","sentiment_score":0.12443503737449646}],"sentiment":"neutral","sentiment_score":0.12443503737449646,"channel":0,"num_words":1,"start":683.07,"end":683.57},{"sentences":[{"text":"Yeah.","start":684.385,"end":684.625,"sentiment":"neutral","sentiment_score":0.1229618638753891},{"text":"But right now yeah.","start":684.625,"end":686.625,"sentiment":"neutral","sentiment_score":0.08921200223267078},{"text":"Once","start":686.625,"end":687.0,"sentiment":"neutral","sentiment_score":0.24231433868408203}],"sentiment":"neutral","sentiment_score":0.12035403524835904,"channel":1,"num_words":6,"start":684.385,"end":687.0},{"sentences":[{"text":"Beautiful.","start":687.07,"end":687.57,"sentiment":"positive","sentiment_score":0.4155150353908539}],"sentiment":"positive","sentiment_score":0.4155150353908539,"channel":0,"num_words":1,"start":687.07,"end":687.57},{"sentences":[{"text":"while this house thing is happening, everything is going into it.","start":687.32,"end":690.44,"sentiment":"neutral","sentiment_score":0.06308361075141213},{"text":"And,","start":690.44,"end":690.94,"sentiment":"neutral","sentiment_score":-0.013089361600577831}],"sentiment":"neutral","sentiment_score":0.05673586305541297,"channel":1,"num_words":12,"start":687.32,"end":690.94},{"sentences":[{"text":"Yeah.","start":691.14996,"end":691.64996,"sentiment":"neutral","sentiment_score":-0.019633326679468155}],"sentiment":"neutral","sentiment_score":-0.019633326679468155,"channel":0,"num_words":1,"start":691.14996,"end":691.64996},{"sentences":[{"text":"yeah, I I sorta walked away from where I was with a bit I don't know.","start":691.32,"end":698.12,"sentiment":"neutral","sentiment_score":-0.10884228721261024},{"text":"$10.15 grand and, you know, sort of setting myself up and then just trying to keep this, you know, making these house payments, which is, like, 2 and a half","start":698.12,"end":706.765,"sentiment":"neutral","sentiment_score":-0.03283573103447755}],"sentiment":"neutral","sentiment_score":-0.05927279405295849,"channel":1,"num_words":46,"start":691.32,"end":706.765},{"sentences":[{"text":"Yeah.","start":706.62,"end":707.12,"sentiment":"neutral","sentiment_score":-0.024200420826673508}],"sentiment":"neutral","sentiment_score":-0.024200420826673508,"channel":0,"num_words":1,"start":706.62,"end":707.12},{"sentences":[{"text":"grand a month.","start":706.765,"end":707.585,"sentiment":"neutral","sentiment_score":-0.03444254708786806},{"text":"It's","start":708.045,"end":708.365,"sentiment":"neutral","sentiment_score":-0.05178172513842583}],"sentiment":"neutral","sentiment_score":-0.0387773416005075,"channel":1,"num_words":4,"start":706.765,"end":708.365},{"sentences":[{"text":"Yeah.","start":708.06,"end":708.56,"sentiment":"neutral","sentiment_score":-0.06545582413673401}],"sentiment":"neutral","sentiment_score":-0.06545582413673401,"channel":0,"num_words":1,"start":708.06,"end":708.56},{"sentences":[{"text":"just knocked me down a few pegs.","start":708.365,"end":709.885,"sentiment":"neutral","sentiment_score":-0.14007241811071122},{"text":"So right","start":709.885,"end":710.925,"sentiment":"neutral","sentiment_score":-0.0726892314851284}],"sentiment":"neutral","sentiment_score":-0.1250983766383595,"channel":1,"num_words":9,"start":708.365,"end":710.925},{"sentences":[{"text":"Yeah.","start":710.78,"end":711.28,"sentiment":"neutral","sentiment_score":-0.08967150002717972}],"sentiment":"neutral","sentiment_score":-0.08967150002717972,"channel":0,"num_words":1,"start":710.78,"end":711.28},{"sentences":[{"text":"now, yeah, the savings are null and void.","start":710.925,"end":714.29004,"sentiment":"neutral","sentiment_score":-0.2344249514862895},{"text":"But,","start":714.35004,"end":714.85004,"sentiment":"neutral","sentiment_score":-0.06711530685424805}],"sentiment":"neutral","sentiment_score":-0.21583499097161823,"channel":1,"num_words":9,"start":710.925,"end":714.85004},{"sentences":[{"text":"Yeah.","start":714.94,"end":715.44,"sentiment":"neutral","sentiment_score":-0.052507106214761734}],"sentiment":"neutral","sentiment_score":-0.052507106214761734,"channel":0,"num_words":1,"start":714.94,"end":715.44},{"sentences":[{"text":"yeah, it's, you know yeah.","start":715.87,"end":718.61005,"sentiment":"neutral","sentiment_score":-0.03554685227572918},{"text":"Greenier past greeny pastures are coming.","start":718.75,"end":720.83,"sentiment":"neutral","sentiment_score":-0.046094149351119995},{"text":"You know?","start":720.83,"end":721.49,"sentiment":"neutral","sentiment_score":-0.018922647461295128}],"sentiment":"neutral","sentiment_score":-0.03785726556984278,"channel":1,"num_words":13,"start":715.87,"end":721.49},{"sentences":[{"text":"Absolutely.","start":721.67505,"end":722.17505,"sentiment":"neutral","sentiment_score":0.09423986077308656},{"text":"There is an there is an end in sight for you with regard to it.","start":722.395,"end":725.91504,"sentiment":"neutral","sentiment_score":0.0096921406686306},{"text":"So that absolutely.","start":725.91504,"end":726.97504,"sentiment":"neutral","sentiment_score":0.20420334736506143},{"text":"Yep.","start":727.515,"end":728.015,"sentiment":"neutral","sentiment_score":0.03551759943366051},{"text":"No.","start":728.075,"end":728.55505,"sentiment":"neutral","sentiment_score":-0.05241147056221962}],"sentiment":"neutral","sentiment_score":0.03977800675091289,"channel":0,"num_words":21,"start":721.67505,"end":728.55505},{"sentences":[{"text":"All good.","start":728.55505,"end":729.375,"sentiment":"neutral","sentiment_score":0.05214369297027588},{"text":"I've got your contents here.","start":730.075,"end":731.62,"sentiment":"neutral","sentiment_score":0.016084158420562746},{"text":"Rough value of about 10,000 currently.","start":731.62,"end":733.95996,"sentiment":"neutral","sentiment_score":-0.009174262483914694},{"text":"Is that what you sort of value your contents at, do you think?","start":734.01996,"end":737.0,"sentiment":"neutral","sentiment_score":-0.011633147413914021}],"sentiment":"neutral","sentiment_score":-0.0008295505092694209,"channel":0,"num_words":26,"start":728.55505,"end":737.0},{"sentences":[{"text":"Yeah.","start":737.245,"end":737.645,"sentiment":"neutral","sentiment_score":-0.003809205256402493},{"text":"And that's been","start":737.645,"end":738.625,"sentiment":"neutral","sentiment_score":-0.008536134846508503}],"sentiment":"neutral","sentiment_score":-0.007354402448982,"channel":1,"num_words":4,"start":737.245,"end":738.625},{"sentences":[{"text":"Yeah.","start":738.66,"end":739.16,"sentiment":"neutral","sentiment_score":-0.015140076167881489}],"sentiment":"neutral","sentiment_score":-0.015140076167881489,"channel":0,"num_words":1,"start":738.66,"end":739.16},{"sentences":[{"text":"you know?","start":738.84503,"end":739.44,"sentiment":"neutral","sentiment_score":-0.01805248763412237},{"text":"Yeah.","start":741.2,"end":741.6,"sentiment":"neutral","sentiment_score":-0.041669413447380066},{"text":"That that'll do.","start":741.6,"end":742.48,"sentiment":"neutral","sentiment_score":-0.07716905325651169},{"text":"Like, I mean, I don't have much.","start":742.48,"end":744.0,"sentiment":"neutral","sentiment_score":-0.15847988107374736},{"text":"I'm not a a heaps of stuff that it's happening.","start":744.0,"end":746.5,"sentiment":"neutral","sentiment_score":-0.19419362246990204}],"sentiment":"neutral","sentiment_score":-0.1461120409000179,"channel":1,"num_words":23,"start":738.84503,"end":746.5},{"sentences":[{"text":"I don't have much.","start":746.72003,"end":747.68,"sentiment":"neutral","sentiment_score":-0.2006864957511425},{"text":"Yeah.","start":747.68,"end":748.18,"sentiment":"neutral","sentiment_score":-0.04614837467670441}],"sentiment":"neutral","sentiment_score":-0.16977887153625487,"channel":1,"num_words":5,"start":746.72003,"end":748.18},{"sentences":[{"text":"Yeah.","start":748.515,"end":748.755,"sentiment":"neutral","sentiment_score":-0.034188881516456604},{"text":"No.","start":748.755,"end":749.075,"sentiment":"neutral","sentiment_score":-0.06691178679466248}],"sentiment":"neutral","sentiment_score":-0.05055033415555954,"channel":0,"num_words":2,"start":748.515,"end":749.075},{"sentences":[{"text":"So","start":748.96,"end":749.2,"sentiment":"neutral","sentiment_score":-0.03953539580106735}],"sentiment":"neutral","sentiment_score":-0.03953539580106735,"channel":1,"num_words":1,"start":748.96,"end":749.2},{"sentences":[{"text":"That's","start":749.075,"end":749.39496,"sentiment":"neutral","sentiment_score":-0.03117525577545166}],"sentiment":"neutral","sentiment_score":-0.03117525577545166,"channel":0,"num_words":1,"start":749.075,"end":749.39496},{"sentences":[{"text":"that should","start":749.2,"end":749.6,"sentiment":"neutral","sentiment_score":-0.04243394732475281}],"sentiment":"neutral","sentiment_score":-0.04243394732475281,"channel":1,"num_words":2,"start":749.2,"end":749.6},{"sentences":[{"text":"okay.","start":749.39496,"end":749.89496,"sentiment":"neutral","sentiment_score":-0.006599105894565582}],"sentiment":"neutral","sentiment_score":-0.006599105894565582,"channel":0,"num_words":1,"start":749.39496,"end":749.89496},{"sentences":[{"text":"cover it.","start":749.6,"end":750.34,"sentiment":"neutral","sentiment_score":-0.011057278141379356}],"sentiment":"neutral","sentiment_score":-0.011057278141379356,"channel":1,"num_words":2,"start":749.6,"end":750.34},{"sentences":[{"text":"Yep.","start":750.755,"end":751.235,"sentiment":"neutral","sentiment_score":0.15280404686927795},{"text":"Perfect.","start":751.235,"end":751.735,"sentiment":"neutral","sentiment_score":0.331188440322876},{"text":"And then I've also got in here that you because you got a car with your package, Samantha mentioned to me that you've sold the car that you had the Novated lease on, but you still have a residual payment to make of about $8,000.","start":752.915,"end":764.23,"sentiment":"neutral","sentiment_score":0.07749054291182095},{"text":"Is that right?","start":764.23,"end":765.05,"sentiment":"neutral","sentiment_score":0.05825853844483694}],"sentiment":"neutral","sentiment_score":0.08291685067117215,"channel":0,"num_words":50,"start":750.755,"end":765.05},{"sentences":[{"text":"Yes.","start":765.14,"end":765.54,"sentiment":"neutral","sentiment_score":0.01583440788090229},{"text":"So, look, that's 3","start":765.54,"end":766.66003,"sentiment":"neutral","sentiment_score":0.007107311743311584}],"sentiment":"neutral","sentiment_score":0.008852730970829725,"channel":1,"num_words":5,"start":765.14,"end":766.66003},{"sentences":[{"text":"Yes.","start":766.55,"end":767.05,"sentiment":"neutral","sentiment_score":0.01255861669778824}],"sentiment":"neutral","sentiment_score":0.01255861669778824,"channel":0,"num_words":1,"start":766.55,"end":767.05},{"sentences":[{"text":"50 a week that I said is maintenance.","start":766.66003,"end":768.44,"sentiment":"neutral","sentiment_score":0.00519613636424765},{"text":"So $50","start":768.5,"end":769.38,"sentiment":"neutral","sentiment_score":0.00592330819927156}],"sentiment":"neutral","sentiment_score":0.005341570731252432,"channel":1,"num_words":10,"start":766.66003,"end":769.38},{"sentences":[{"text":"Yes.","start":769.19,"end":769.665,"sentiment":"neutral","sentiment_score":0.015643959864974022}],"sentiment":"neutral","sentiment_score":0.015643959864974022,"channel":0,"num_words":1,"start":769.19,"end":769.665},{"sentences":[{"text":"a week from that is basically going into what is remaining on that.","start":769.38,"end":773.86,"sentiment":"neutral","sentiment_score":0.015268611076932687},{"text":"So it wasn't about 10 k, and","start":773.86,"end":776.36,"sentiment":"neutral","sentiment_score":0.008305688122553485}],"sentiment":"neutral","sentiment_score":0.012831588042899966,"channel":1,"num_words":20,"start":769.38,"end":776.36},{"sentences":[{"text":"Yeah.","start":776.305,"end":776.805,"sentiment":"neutral","sentiment_score":0.0064196656458079815}],"sentiment":"neutral","sentiment_score":0.0064196656458079815,"channel":0,"num_words":1,"start":776.305,"end":776.805},{"sentences":[{"text":"now it's at about $8.08 k.","start":777.22003,"end":779.06,"sentiment":"neutral","sentiment_score":0.010891396241883436},{"text":"And Em, who's the kid's mother, she's basically just putting feeding into that loan, you know,","start":779.06,"end":785.145,"sentiment":"neutral","sentiment_score":0.004197848600597354}],"sentiment":"neutral","sentiment_score":0.006023361593675377,"channel":1,"num_words":22,"start":777.22003,"end":785.145},{"sentences":[{"text":"Okay.","start":785.36,"end":785.86,"sentiment":"neutral","sentiment_score":0.0030110646039247513}],"sentiment":"neutral","sentiment_score":0.0030110646039247513,"channel":0,"num_words":1,"start":785.36,"end":785.86},{"sentences":[{"text":"with that.","start":787.365,"end":788.005,"sentiment":"neutral","sentiment_score":0.005398530978709459},{"text":"So yeah.","start":788.005,"end":790.165,"sentiment":"neutral","sentiment_score":0.006381905637681484},{"text":"So there's about $8 there.","start":790.165,"end":791.445,"sentiment":"neutral","sentiment_score":0.005976724624633789},{"text":"And look.","start":791.445,"end":791.84503,"sentiment":"neutral","sentiment_score":0.0030892568174749613},{"text":"What I guess to clear that, basically, once this house gets settled and I get my half from the from the sale, I think because we've","start":791.84503,"end":801.42,"sentiment":"neutral","sentiment_score":0.005469847989913363}],"sentiment":"neutral","sentiment_score":0.0054551096683418425,"channel":1,"num_words":37,"start":787.365,"end":801.42},{"sentences":[{"text":"Yeah.","start":801.215,"end":801.715,"sentiment":"neutral","sentiment_score":0.00179637735709548}],"sentiment":"neutral","sentiment_score":0.00179637735709548,"channel":0,"num_words":1,"start":801.215,"end":801.715},{"sentences":[{"text":"we've we're selling it for $9.00 5.","start":801.42,"end":803.33997,"sentiment":"neutral","sentiment_score":-0.0016073283207203662},{"text":"It costs us, like, $8.14.","start":803.33997,"end":804.8,"sentiment":"neutral","sentiment_score":-0.0074382837861776355},{"text":"We've already pumped, you know, a whole bunch of money into it just to, you","start":806.22,"end":810.395,"sentiment":"neutral","sentiment_score":-0.0016745219628016153}],"sentiment":"neutral","sentiment_score":-0.0027244646895538877,"channel":1,"num_words":27,"start":801.42,"end":810.395},{"sentences":[{"text":"Yeah.","start":810.19,"end":810.69,"sentiment":"neutral","sentiment_score":-0.0032143015414476395}],"sentiment":"neutral","sentiment_score":-0.0032143015414476395,"channel":0,"num_words":1,"start":810.19,"end":810.69},{"sentences":[{"text":"know, to cover repayments and stuff.","start":810.395,"end":812.65497,"sentiment":"neutral","sentiment_score":-0.004363395118465026}],"sentiment":"neutral","sentiment_score":-0.004363395118465026,"channel":1,"num_words":6,"start":810.395,"end":812.65497},{"sentences":[{"text":"Yep.","start":812.91003,"end":813.41003,"sentiment":"neutral","sentiment_score":0.023100093007087708}],"sentiment":"neutral","sentiment_score":0.023100093007087708,"channel":0,"num_words":1,"start":812.91003,"end":813.41003},{"sentences":[{"text":"So I don't know.","start":813.755,"end":814.715,"sentiment":"neutral","sentiment_score":-0.002347385510802269},{"text":"I think maybe between us, we're look maybe, I don't know, $80, and then we split that.","start":814.715,"end":819.515,"sentiment":"neutral","sentiment_score":-0.011679753277669935},{"text":"And then I've got to think of the capital gains, and I've got to pay that money back I wanna like, I I just want to be completely clear by the","start":819.515,"end":826.32,"sentiment":"neutral","sentiment_score":-0.0021747154589261738}],"sentiment":"neutral","sentiment_score":-0.005295413980582872,"channel":1,"num_words":52,"start":813.755,"end":826.32},{"sentences":[{"text":"Yeah.","start":826.20496,"end":826.605,"sentiment":"neutral","sentiment_score":0.0006357962265610695}],"sentiment":"neutral","sentiment_score":0.0006357962265610695,"channel":0,"num_words":1,"start":826.20496,"end":826.605},{"sentences":[{"text":"time","start":826.32,"end":826.82,"sentiment":"neutral","sentiment_score":0.005975094623863697}],"sentiment":"neutral","sentiment_score":0.005975094623863697,"channel":1,"num_words":1,"start":826.32,"end":826.82},{"sentences":[{"text":"Yeah.","start":826.605,"end":827.105,"sentiment":"neutral","sentiment_score":0.016679592430591583}],"sentiment":"neutral","sentiment_score":0.016679592430591583,"channel":0,"num_words":1,"start":826.605,"end":827.105},{"sentences":[{"text":"this thing's finished.","start":827.92,"end":828.9,"sentiment":"neutral","sentiment_score":0.02895300028224786},{"text":"So","start":828.96,"end":829.46,"sentiment":"neutral","sentiment_score":0.023074883967638016}],"sentiment":"neutral","sentiment_score":0.0274834712035954,"channel":1,"num_words":4,"start":827.92,"end":829.46},{"sentences":[{"text":"Yeah.","start":829.40497,"end":829.90497,"sentiment":"neutral","sentiment_score":0.028083547949790955}],"sentiment":"neutral","sentiment_score":0.028083547949790955,"channel":0,"num_words":1,"start":829.40497,"end":829.90497},{"sentences":[{"text":"I I'm yeah.","start":829.60004,"end":830.48004,"sentiment":"neutral","sentiment_score":0.02372636056194703},{"text":"Not sure what I'm gonna have left over, but I will be at least debt free.","start":830.48004,"end":834.74,"sentiment":"neutral","sentiment_score":0.002543977170716971},{"text":"So","start":834.8,"end":835.3,"sentiment":"neutral","sentiment_score":0.04595449194312096}],"sentiment":"neutral","sentiment_score":0.007891860418021679,"channel":1,"num_words":20,"start":829.60004,"end":835.3},{"sentences":[{"text":"Yep.","start":835.13,"end":835.63,"sentiment":"neutral","sentiment_score":0.10530482232570648},{"text":"That's good.","start":836.09,"end":836.89,"sentiment":"neutral","sentiment_score":0.25533434748649597},{"text":"No.","start":836.89,"end":837.13,"sentiment":"neutral","sentiment_score":0.22619959712028503},{"text":"That's absolutely perfect.","start":837.13,"end":838.35004,"sentiment":"positive","sentiment_score":0.5114506880442301},{"text":"Fantastic.","start":838.49,"end":838.99,"sentiment":"positive","sentiment_score":0.7466408014297485}],"sentiment":"positive","sentiment_score":0.3903957474976778,"channel":0,"num_words":8,"start":835.13,"end":838.99},{"sentences":[{"text":"And having that gone will be very, very good and starting again.","start":839.69,"end":842.97003,"sentiment":"positive","sentiment_score":0.6453492095073065},{"text":"And, look, starting again isn't always bad.","start":842.97003,"end":845.31,"sentiment":"positive","sentiment_score":0.43566458565848215},{"text":"It gives you a fresh start.","start":845.465,"end":846.905,"sentiment":"positive","sentiment_score":0.40467297037442523},{"text":"You can start from zero, and then you know the only way is up from there.","start":846.905,"end":850.425,"sentiment":"neutral","sentiment_score":0.26659268606454134},{"text":"So","start":850.425,"end":850.925,"sentiment":"neutral","sentiment_score":0.03723042458295822}],"sentiment":"positive","sentiment_score":0.41725223422760055,"channel":0,"num_words":42,"start":839.69,"end":850.925},{"sentences":[{"text":"That's","start":850.91003,"end":851.15,"sentiment":"neutral","sentiment_score":0.004769021179527044}],"sentiment":"neutral","sentiment_score":0.004769021179527044,"channel":1,"num_words":1,"start":850.91003,"end":851.15},{"sentences":[{"text":"not","start":851.065,"end":851.22504,"sentiment":"neutral","sentiment_score":0.0026529133319854736}],"sentiment":"neutral","sentiment_score":0.0026529133319854736,"channel":0,"num_words":1,"start":851.065,"end":851.22504},{"sentences":[{"text":"right.","start":851.15,"end":851.31,"sentiment":"neutral","sentiment_score":0.013853196054697037}],"sentiment":"neutral","sentiment_score":0.013853196054697037,"channel":1,"num_words":1,"start":851.15,"end":851.31},{"sentences":[{"text":"always","start":851.22504,"end":851.545,"sentiment":"neutral","sentiment_score":0.013796918094158173}],"sentiment":"neutral","sentiment_score":0.013796918094158173,"channel":0,"num_words":1,"start":851.22504,"end":851.545},{"sentences":[{"text":"Yeah.","start":851.31,"end":851.79004,"sentiment":"neutral","sentiment_score":0.08052580058574677}],"sentiment":"neutral","sentiment_score":0.08052580058574677,"channel":1,"num_words":1,"start":851.31,"end":851.79004},{"sentences":[{"text":"a bad","start":851.545,"end":851.865,"sentiment":"neutral","sentiment_score":0.13012901693582535}],"sentiment":"neutral","sentiment_score":0.13012901693582535,"channel":0,"num_words":2,"start":851.545,"end":851.865},{"sentences":[{"text":"I'm","start":851.79004,"end":852.29004,"sentiment":"neutral","sentiment_score":0.12570443749427795}],"sentiment":"neutral","sentiment_score":0.12570443749427795,"channel":1,"num_words":1,"start":851.79004,"end":852.29004},{"sentences":[{"text":"thing.","start":851.865,"end":852.365,"sentiment":"neutral","sentiment_score":0.1056126430630684}],"sentiment":"neutral","sentiment_score":0.1056126430630684,"channel":0,"num_words":1,"start":851.865,"end":852.365},{"sentences":[{"text":"I'm I'm looking forward to it.","start":852.51,"end":853.79004,"sentiment":"neutral","sentiment_score":0.330320065220197},{"text":"Yeah.","start":853.79004,"end":854.29004,"sentiment":"neutral","sentiment_score":0.1782556027173996}],"sentiment":"neutral","sentiment_score":0.3085965705769403,"channel":1,"num_words":7,"start":852.51,"end":854.29004},{"sentences":[{"text":"Yeah.","start":854.265,"end":854.66504,"sentiment":"neutral","sentiment_score":0.19945308566093445},{"text":"No.","start":854.66504,"end":854.905,"sentiment":"positive","sentiment_score":0.3347925543785095},{"text":"It'll be fantastic.","start":854.905,"end":855.965,"sentiment":"positive","sentiment_score":0.5294030904769897},{"text":"Do you have any other assets you'd note down any other I've I don't have because your car is with your employer, so you don't have any other cars, boats, caravans, or anything else to note down?","start":857.065,"end":868.04,"sentiment":"neutral","sentiment_score":0.05223158072378185}],"sentiment":"neutral","sentiment_score":0.09654817614881765,"channel":0,"num_words":42,"start":854.265,"end":868.04},{"sentences":[{"text":"No.","start":868.44495,"end":868.94495,"sentiment":"neutral","sentiment_score":-0.04579932242631912}],"sentiment":"neutral","sentiment_score":-0.04579932242631912,"channel":1,"num_words":1,"start":868.44495,"end":868.94495},{"sentences":[{"text":"Nope.","start":869.46,"end":869.7,"sentiment":"neutral","sentiment_score":-0.02219301462173462},{"text":"That's okay.","start":869.7,"end":870.52,"sentiment":"positive","sentiment_score":0.5483891367912292},{"text":"Do you have any shares of cryptocurrency or anything else that you might have had for the last few years?","start":870.82,"end":875.4,"sentiment":"neutral","sentiment_score":0.20506873689591884}],"sentiment":"neutral","sentiment_score":0.2250417389947435,"channel":0,"num_words":23,"start":869.46,"end":875.4},{"sentences":[{"text":"No.","start":875.96497,"end":876.45,"sentiment":"neutral","sentiment_score":-0.0527820810675621}],"sentiment":"neutral","sentiment_score":-0.0527820810675621,"channel":1,"num_words":1,"start":875.96497,"end":876.45},{"sentences":[{"text":"No.","start":876.905,"end":877.225,"sentiment":"neutral","sentiment_score":-0.05416076630353928},{"text":"That's okay.","start":877.225,"end":878.125,"sentiment":"neutral","sentiment_score":0.2542473003268242},{"text":"All good.","start":878.345,"end":879.085,"sentiment":"positive","sentiment_score":0.6367930769920349},{"text":"Estate planning sides of things as well, because you are kinda going through this change and you do have kids, have you thought about drafting up a will with a solicitor?","start":880.105,"end":888.205,"sentiment":"neutral","sentiment_score":0.14111322573115748}],"sentiment":"neutral","sentiment_score":0.16951194405555725,"channel":0,"num_words":36,"start":876.905,"end":888.205},{"sentences":[{"text":"We were going through that.","start":889.195,"end":890.71497,"sentiment":"neutral","sentiment_score":-0.03479699268937111},{"text":"We were talking about that, and then everything sorta changed.","start":890.71497,"end":893.675,"sentiment":"neutral","sentiment_score":-0.03550292328000069},{"text":"But, yeah, look, you know,","start":893.675,"end":894.95496,"sentiment":"neutral","sentiment_score":-0.001910237222909927}],"sentiment":"neutral","sentiment_score":-0.026928269118070603,"channel":1,"num_words":20,"start":889.195,"end":894.95496},{"sentences":[{"text":"Yep.","start":894.9,"end":895.4,"sentiment":"neutral","sentiment_score":0.02314753457903862}],"sentiment":"neutral","sentiment_score":0.02314753457903862,"channel":0,"num_words":1,"start":894.9,"end":895.4},{"sentences":[{"text":"the thoughts in the back of my mind,","start":894.95496,"end":896.735,"sentiment":"neutral","sentiment_score":-0.03338390635326505}],"sentiment":"neutral","sentiment_score":-0.03338390635326505,"channel":1,"num_words":8,"start":894.95496,"end":896.735},{"sentences":[{"text":"Yep.","start":897.38,"end":897.88,"sentiment":"neutral","sentiment_score":0.029496310278773308}],"sentiment":"neutral","sentiment_score":0.029496310278773308,"channel":0,"num_words":1,"start":897.38,"end":897.88},{"sentences":[{"text":"it always is.","start":897.435,"end":898.15497,"sentiment":"neutral","sentiment_score":0.0421915166079998},{"text":"And I think for the most part, the reason I'm thinking about it is that without the will, I mean, even those insurances and, you know, beneficiaries can be thrown into a bit of calamity if if I don't","start":898.15497,"end":911.52,"sentiment":"neutral","sentiment_score":-0.31157812896447307}],"sentiment":"neutral","sentiment_score":-0.2863088685664393,"channel":1,"num_words":42,"start":897.435,"end":911.52},{"sentences":[{"text":"Yes.","start":911.475,"end":911.975,"sentiment":"neutral","sentiment_score":-0.11903804540634157}],"sentiment":"neutral","sentiment_score":-0.11903804540634157,"channel":0,"num_words":1,"start":911.475,"end":911.975},{"sentences":[{"text":"have a will.","start":911.52,"end":912.0,"sentiment":"neutral","sentiment_score":-0.1553556521733602},{"text":"Is that is that correct?","start":912.0,"end":913.22003,"sentiment":"neutral","sentiment_score":-0.011354228854179383}],"sentiment":"neutral","sentiment_score":-0.06535476259887218,"channel":1,"num_words":8,"start":911.52,"end":913.22003},{"sentences":[{"text":"Yeah.","start":913.7,"end":914.10004,"sentiment":"neutral","sentiment_score":0.17801140248775482},{"text":"Absolutely.","start":914.10004,"end":914.60004,"sentiment":"positive","sentiment_score":0.3610494136810303},{"text":"So, I mean, the beneficiaries are valid before where they are.","start":915.06,"end":918.68,"sentiment":"neutral","sentiment_score":0.20803443952040238},{"text":"And, essentially, the way this would look to work if you were to pass away, your eldest child who is over 21 would be able to then receive the full benefit straight to him.","start":919.06,"end":929.625,"sentiment":"neutral","sentiment_score":0.24085315842838848},{"text":"However, your","start":929.625,"end":930.265,"sentiment":"neutral","sentiment_score":-0.06304116640239954}],"sentiment":"neutral","sentiment_score":0.2222523409112984,"channel":0,"num_words":49,"start":913.7,"end":930.265},{"sentences":[{"text":"What?","start":930.04,"end":930.54,"sentiment":"neutral","sentiment_score":-0.0940137654542923}],"sentiment":"neutral","sentiment_score":-0.0940137654542923,"channel":1,"num_words":1,"start":930.04,"end":930.54},{"sentences":[{"text":"children who are under the age of 18, essentially has to go through the guardian because they can't really make those financial decisions on their own.","start":930.265,"end":937.865,"sentiment":"neutral","sentiment_score":-0.20532514040286726},{"text":"So it would come down to the guardian, which I assume would be Emily, your ex wife.","start":937.865,"end":941.55,"sentiment":"neutral","sentiment_score":-0.031004932654254577}],"sentiment":"neutral","sentiment_score":-0.1364078489673692,"channel":0,"num_words":43,"start":930.265,"end":941.55},{"sentences":[{"text":"Yes.","start":941.895,"end":942.395,"sentiment":"neutral","sentiment_score":0.16946977376937866}],"sentiment":"neutral","sentiment_score":0.16946977376937866,"channel":1,"num_words":1,"start":941.895,"end":942.395},{"sentences":[{"text":"So she would essentially either have the option of withdrawing the funds to the kids as a whole, or she can look to set up in like, pension income streams in super.","start":942.91,"end":952.52997,"sentiment":"neutral","sentiment_score":0.19735224335454404},{"text":"And those can stay with the kids until they essentially turn, I think, at 21 these days.","start":952.67,"end":957.89496,"sentiment":"neutral","sentiment_score":0.22036595379605012},{"text":"And they can be receiving regular income streams.","start":958.51495,"end":961.65497,"sentiment":"positive","sentiment_score":0.33508570678532124},{"text":"But your eldest child would receive the funds direct to him, being as he is no longer technically a financial dependent under the CIS Act.","start":962.675,"end":970.29,"sentiment":"neutral","sentiment_score":0.13341677367687224},{"text":"And then,","start":970.76996,"end":971.00995,"sentiment":"neutral","sentiment_score":0.009214175865054132}],"sentiment":"neutral","sentiment_score":0.1916193613072946,"channel":0,"num_words":84,"start":942.91,"end":971.00995},{"sentences":[{"text":"What?","start":970.885,"end":971.385,"sentiment":"neutral","sentiment_score":-0.07359519600868225}],"sentiment":"neutral","sentiment_score":-0.07359519600868225,"channel":1,"num_words":1,"start":970.885,"end":971.385},{"sentences":[{"text":"yeah, the other kids, it would all come down to essentially what your the guardian wants to do with the funds, either draw it out as a full lump sum to be used for the kids, or they can sort of keep that in the super system until they reach a certain age and draw regular income down.","start":971.00995,"end":985.25,"sentiment":"neutral","sentiment_score":0.16359267666422087},{"text":"So that would all depend on what the guardian wants to do.","start":985.25,"end":988.625,"sentiment":"neutral","sentiment_score":0.20900951698422432},{"text":"There is another way to set up your beneficiaries where you can nominate your legal personal representative, and you can do this on your life insurance as well.","start":988.76495,"end":997.665,"sentiment":"positive","sentiment_score":0.35553745712552753},{"text":"You just tick the LPR box, and that means a 100% of the benefit goes straight through to your will.","start":997.88495,"end":1002.64996,"sentiment":"positive","sentiment_score":0.4231013596057892},{"text":"And then through your will, you can have things like trust set up for testamentary trust, where you allocate what percentage of your assets go to what child, how you want that set up, who the guardian is that's gonna control the money for the kids.","start":1002.64996,"end":1018.015,"sentiment":"positive","sentiment_score":0.3645621648301249}],"sentiment":"neutral","sentiment_score":0.28770381112287685,"channel":0,"num_words":164,"start":971.00995,"end":1018.015},{"sentences":[{"text":"It it sort of just comes down to what what your relationship is and how you think she would handle the money and whether the kids would get the benefit or whether you want a lot more control around how the money is paid to the kids.","start":1018.955,"end":1031.24,"sentiment":"neutral","sentiment_score":0.2026979961293809},{"text":"I know to give you a bit of context in my circumstances, I have an ex husband, and I had two kids to him.","start":1031.24,"end":1037.32,"sentiment":"neutral","sentiment_score":-0.07143971308444937},{"text":"So when we split up, I got remarried and had a third child, but my ex husband's terrible with money, and he was horrible to have to deal with.","start":1037.32,"end":1045.195,"sentiment":"negative","sentiment_score":-0.3402045037725876},{"text":"So I essentially set up my will, and I had to trust it up through my will.","start":1045.195,"end":1049.6749,"sentiment":"neutral","sentiment_score":0.13704501048606985},{"text":"That meant that my sister and my new husband's sister had control of the funds and had to rejoin signatories so that he had to prove to them that the money was used for our children and for their schooling costs and things like that.","start":1049.6749,"end":1063.9401,"sentiment":"neutral","sentiment_score":0.26423798617389466}],"sentiment":"neutral","sentiment_score":0.07510368302924397,"channel":0,"num_words":162,"start":1018.955,"end":1063.9401},{"sentences":[{"text":"And that just gave me a lot more control and certainty that the money would be held for my children in the event of me passing away.","start":1064.0,"end":1071.745,"sentiment":"positive","sentiment_score":0.39254170490635765},{"text":"So you can have a lot more control with a will around that sort of thing, and that's really important to think about as well.","start":1072.205,"end":1079.105,"sentiment":"positive","sentiment_score":0.4171368438005447},{"text":"Yeah.","start":1079.485,"end":1079.985,"sentiment":"neutral","sentiment_score":0.11441750824451448}],"sentiment":"positive","sentiment_score":0.39889555916471303,"channel":0,"num_words":53,"start":1064.0,"end":1079.985},{"sentences":[{"text":"Yeah.","start":1079.9501,"end":1080.27,"sentiment":"neutral","sentiment_score":0.11636357009410858},{"text":"Okay.","start":1080.27,"end":1080.77,"sentiment":"neutral","sentiment_score":0.10387326776981354}],"sentiment":"neutral","sentiment_score":0.11011841893196106,"channel":1,"num_words":2,"start":1079.9501,"end":1080.77},{"sentences":[{"text":"Yeah.","start":1081.485,"end":1081.985,"sentiment":"neutral","sentiment_score":0.1122451350092888}],"sentiment":"neutral","sentiment_score":0.1122451350092888,"channel":0,"num_words":1,"start":1081.485,"end":1081.985},{"sentences":[{"text":"Okay.","start":1082.3501,"end":1082.8501,"sentiment":"neutral","sentiment_score":-0.04639803618192673}],"sentiment":"neutral","sentiment_score":-0.04639803618192673,"channel":1,"num_words":1,"start":1082.3501,"end":1082.8501},{"sentences":[{"text":"It's It's a hard it's a hard conversation to have, but it's definitely one to sort of think about and understand.","start":1082.765,"end":1087.66,"sentiment":"neutral","sentiment_score":-0.10564431661207761},{"text":"And it also comes down to, you know, what's the relationship between you and Emily like, and what do you think she's likely to do?","start":1087.66,"end":1094.2201,"sentiment":"neutral","sentiment_score":-0.03406132310628891},{"text":"Is she likely to do the right thing or, you know, how how does she handle money and just","start":1094.2201,"end":1098.465,"sentiment":"neutral","sentiment_score":-0.1042049660494453}],"sentiment":"neutral","sentiment_score":-0.07769166279154328,"channel":0,"num_words":65,"start":1082.765,"end":1098.465},{"sentences":[{"text":"No.","start":1098.3651,"end":1098.6051,"sentiment":"neutral","sentiment_score":-0.15739846229553223}],"sentiment":"neutral","sentiment_score":-0.15739846229553223,"channel":1,"num_words":1,"start":1098.3651,"end":1098.6051},{"sentences":[{"text":"sort of","start":1098.465,"end":1098.625,"sentiment":"neutral","sentiment_score":-0.11539768800139427}],"sentiment":"neutral","sentiment_score":-0.11539768800139427,"channel":0,"num_words":2,"start":1098.465,"end":1098.625},{"sentences":[{"text":"She","start":1098.6051,"end":1098.8451,"sentiment":"neutral","sentiment_score":-0.12914127111434937}],"sentiment":"neutral","sentiment_score":-0.12914127111434937,"channel":1,"num_words":1,"start":1098.6051,"end":1098.8451},{"sentences":[{"text":"having","start":1098.625,"end":1098.945,"sentiment":"neutral","sentiment_score":-0.17464177310466766}],"sentiment":"neutral","sentiment_score":-0.17464177310466766,"channel":0,"num_words":1,"start":1098.625,"end":1098.945},{"sentences":[{"text":"was","start":1098.8451,"end":1099.005,"sentiment":"neutral","sentiment_score":-0.16819459199905396}],"sentiment":"neutral","sentiment_score":-0.16819459199905396,"channel":1,"num_words":1,"start":1098.8451,"end":1099.005},{"sentences":[{"text":"us think","start":1098.945,"end":1099.2649,"sentiment":"neutral","sentiment_score":-0.1481424644589424}],"sentiment":"neutral","sentiment_score":-0.1481424644589424,"channel":0,"num_words":2,"start":1098.945,"end":1099.2649},{"sentences":[{"text":"she","start":1099.165,"end":1099.405,"sentiment":"neutral","sentiment_score":-0.1601390689611435}],"sentiment":"neutral","sentiment_score":-0.1601390689611435,"channel":1,"num_words":1,"start":1099.165,"end":1099.405},{"sentences":[{"text":"about","start":1099.2649,"end":1099.585,"sentiment":"neutral","sentiment_score":-0.1894116848707199}],"sentiment":"neutral","sentiment_score":-0.1894116848707199,"channel":0,"num_words":1,"start":1099.2649,"end":1099.585},{"sentences":[{"text":"she","start":1099.405,"end":1099.7251,"sentiment":"neutral","sentiment_score":-0.17437288165092468}],"sentiment":"neutral","sentiment_score":-0.17437288165092468,"channel":1,"num_words":1,"start":1099.405,"end":1099.7251},{"sentences":[{"text":"what","start":1099.585,"end":1099.745,"sentiment":"neutral","sentiment_score":-0.21946926414966583}],"sentiment":"neutral","sentiment_score":-0.21946926414966583,"channel":0,"num_words":1,"start":1099.585,"end":1099.745},{"sentences":[{"text":"she","start":1099.7251,"end":1099.9651,"sentiment":"neutral","sentiment_score":-0.20061340928077695}],"sentiment":"neutral","sentiment_score":-0.20061340928077695,"channel":1,"num_words":1,"start":1099.7251,"end":1099.9651},{"sentences":[{"text":"you want","start":1099.745,"end":1100.1449,"sentiment":"neutral","sentiment_score":-0.19872529059648514}],"sentiment":"neutral","sentiment_score":-0.19872529059648514,"channel":0,"num_words":2,"start":1099.745,"end":1100.1449},{"sentences":[{"text":"was","start":1099.9651,"end":1100.125,"sentiment":"neutral","sentiment_score":-0.15323619544506073}],"sentiment":"neutral","sentiment_score":-0.15323619544506073,"channel":1,"num_words":1,"start":1099.9651,"end":1100.125},{"sentences":[{"text":"to happen?","start":1100.1449,"end":1100.725,"sentiment":"neutral","sentiment_score":-0.11891230195760727}],"sentiment":"neutral","sentiment_score":-0.11891230195760727,"channel":0,"num_words":2,"start":1100.1449,"end":1100.725},{"sentences":[{"text":"she she was the good one with money.","start":1100.4451,"end":1102.62,"sentiment":"neutral","sentiment_score":0.11699621006846428},{"text":"Not that I'm not that I'm terrible with money, but she was good","start":1102.62,"end":1105.74,"sentiment":"neutral","sentiment_score":-0.057099494796532854}],"sentiment":"neutral","sentiment_score":0.009222678485370818,"channel":1,"num_words":21,"start":1100.4451,"end":1105.74},{"sentences":[{"text":"No.","start":1105.585,"end":1106.085,"sentiment":"neutral","sentiment_score":-0.09008676558732986}],"sentiment":"neutral","sentiment_score":-0.09008676558732986,"channel":0,"num_words":1,"start":1105.585,"end":1106.085},{"sentences":[{"text":"with money.","start":1105.74,"end":1106.22,"sentiment":"neutral","sentiment_score":-0.07395533844828606},{"text":"And and we've been","start":1106.22,"end":1107.1799,"sentiment":"neutral","sentiment_score":-0.007755551487207413}],"sentiment":"neutral","sentiment_score":-0.029822147140900295,"channel":1,"num_words":6,"start":1105.74,"end":1107.1799},{"sentences":[{"text":"Yeah.","start":1107.0249,"end":1107.5249,"sentiment":"neutral","sentiment_score":0.031121671199798584}],"sentiment":"neutral","sentiment_score":0.031121671199798584,"channel":0,"num_words":1,"start":1107.0249,"end":1107.5249},{"sentences":[{"text":"feeding the kids' accounts since they were born.","start":1107.1799,"end":1109.6599,"sentiment":"neutral","sentiment_score":0.08671598974615335},{"text":"So,","start":1109.6599,"end":1110.1599,"sentiment":"neutral","sentiment_score":0.16993993520736694}],"sentiment":"neutral","sentiment_score":0.09596309479739931,"channel":1,"num_words":9,"start":1107.1799,"end":1110.1599},{"sentences":[{"text":"Beautiful.","start":1110.74,"end":1111.24,"sentiment":"positive","sentiment_score":0.4889186024665833}],"sentiment":"positive","sentiment_score":0.4889186024665833,"channel":0,"num_words":1,"start":1110.74,"end":1111.24},{"sentences":[{"text":"yeah, we're we're all over that sort of that sort of things.","start":1111.82,"end":1115.445,"sentiment":"neutral","sentiment_score":0.205080296844244}],"sentiment":"neutral","sentiment_score":0.205080296844244,"channel":1,"num_words":12,"start":1111.82,"end":1115.445},{"sentences":[{"text":"Beautiful.","start":1115.46,"end":1115.96,"sentiment":"positive","sentiment_score":0.6175156831741333}],"sentiment":"positive","sentiment_score":0.6175156831741333,"channel":0,"num_words":1,"start":1115.46,"end":1115.96},{"sentences":[{"text":"And, yeah,","start":1116.4049,"end":1116.965,"sentiment":"positive","sentiment_score":0.4363114684820175}],"sentiment":"positive","sentiment_score":0.4363114684820175,"channel":1,"num_words":2,"start":1116.4049,"end":1116.965},{"sentences":[{"text":"Beautiful.","start":1116.66,"end":1117.16,"sentiment":"positive","sentiment_score":0.666082501411438}],"sentiment":"positive","sentiment_score":0.666082501411438,"channel":0,"num_words":1,"start":1116.66,"end":1117.16},{"sentences":[{"text":"full full trusting her to do, you know, what what","start":1116.965,"end":1119.5249,"sentiment":"positive","sentiment_score":0.5615173488855362}],"sentiment":"positive","sentiment_score":0.5615173488855362,"channel":1,"num_words":10,"start":1116.965,"end":1119.5249},{"sentences":[{"text":"Excellent.","start":1119.3,"end":1119.8,"sentiment":"positive","sentiment_score":0.5787582993507385}],"sentiment":"positive","sentiment_score":0.5787582993507385,"channel":0,"num_words":1,"start":1119.3,"end":1119.8},{"sentences":[{"text":"she'd need to","start":1119.5249,"end":1120.085,"sentiment":"positive","sentiment_score":0.37255770961443585}],"sentiment":"positive","sentiment_score":0.37255770961443585,"channel":1,"num_words":3,"start":1119.5249,"end":1120.085},{"sentences":[{"text":"The","start":1119.9401,"end":1120.1,"sentiment":"neutral","sentiment_score":0.29323461651802063}],"sentiment":"neutral","sentiment_score":0.29323461651802063,"channel":0,"num_words":1,"start":1119.9401,"end":1120.1},{"sentences":[{"text":"do.","start":1120.085,"end":1120.485,"sentiment":"neutral","sentiment_score":0.23089417815208435}],"sentiment":"neutral","sentiment_score":0.23089417815208435,"channel":1,"num_words":1,"start":1120.085,"end":1120.485},{"sentences":[{"text":"right thing.","start":1120.1,"end":1120.76,"sentiment":"neutral","sentiment_score":0.24249587953090668}],"sentiment":"neutral","sentiment_score":0.24249587953090668,"channel":0,"num_words":2,"start":1120.1,"end":1120.76},{"sentences":[{"text":"Yeah.","start":1120.485,"end":1120.965,"sentiment":"neutral","sentiment_score":0.13585107028484344},{"text":"Yeah.","start":1120.965,"end":1121.465,"sentiment":"neutral","sentiment_score":0.1522120237350464}],"sentiment":"neutral","sentiment_score":0.14403154700994492,"channel":1,"num_words":2,"start":1120.485,"end":1121.465},{"sentences":[{"text":"Yeah.","start":1121.085,"end":1121.585,"sentiment":"neutral","sentiment_score":0.2676905393600464},{"text":"Perfect.","start":1121.8049,"end":1122.205,"sentiment":"positive","sentiment_score":0.575955331325531},{"text":"Perfect.","start":1122.205,"end":1122.705,"sentiment":"positive","sentiment_score":0.5163055062294006},{"text":"So what I would probably also maybe make mention of is just sort of keeping something somewhere.","start":1122.9249,"end":1127.8049,"sentiment":"neutral","sentiment_score":0.08935633959139094},{"text":"Because if you were to pass away, let our let your oldest child know that we are your financial advisers and that in the event of a claim occurring, that they just need to call us and we help with the claim process and just letting them know.","start":1127.8049,"end":1143.1399,"sentiment":"neutral","sentiment_score":0.08269296128613253}],"sentiment":"neutral","sentiment_score":0.10070987193680861,"channel":0,"num_words":68,"start":1121.085,"end":1143.1399},{"sentences":[{"text":"I mean, I hope nothing happens, but it is really important.","start":1143.1399,"end":1145.7799,"sentiment":"neutral","sentiment_score":0.04397230019623583},{"text":"It's sort of one thing I have come across as an adviser over the years is that not everyone knows that people have a financial adviser or where their suit is located or their life insurances.","start":1145.7799,"end":1154.9451,"sentiment":"neutral","sentiment_score":-0.01707333212511407},{"text":"And I've had it come across where, you know, a couple of months down the track, someone's passed away and some a family member calls up and goes, hey.","start":1155.005,"end":1162.365,"sentiment":"neutral","sentiment_score":-0.07854612948822565},{"text":"I've found your number.","start":1162.365,"end":1163.245,"sentiment":"neutral","sentiment_score":-0.01696843351237476},{"text":"Who are you?","start":1163.245,"end":1163.725,"sentiment":"neutral","sentiment_score":-0.0337648248920838}],"sentiment":"neutral","sentiment_score":-0.031059646002768754,"channel":0,"num_words":83,"start":1143.1399,"end":1163.725},{"sentences":[{"text":"What have you got?","start":1163.725,"end":1164.4451,"sentiment":"neutral","sentiment_score":-0.0707748718559742},{"text":"What's happening here?","start":1164.4451,"end":1165.33,"sentiment":"neutral","sentiment_score":-0.10179092735052109},{"text":"And then you go through the claims process a little bit late, and they didn't know the money was there.","start":1165.33,"end":1169.6499,"sentiment":"neutral","sentiment_score":-0.14066875167191029},{"text":"They weren't aware of how to get access to it, and they had a bit of a struggle time.","start":1169.6499,"end":1173.73,"sentiment":"neutral","sentiment_score":-0.16486841244132897},{"text":"So I always do think it's worth just making sure somebody in your family that you trust knows, whether it's your beneficiaries or your ex wife, that they know to in the event of you passing, they just have to call us, and we facilitate the claim with them.","start":1173.73,"end":1187.845,"sentiment":"positive","sentiment_score":0.38539951887665963}],"sentiment":"neutral","sentiment_score":0.13000241353323586,"channel":0,"num_words":95,"start":1163.725,"end":1187.845},{"sentences":[{"text":"We","start":1188.305,"end":1188.545,"sentiment":"neutral","sentiment_score":0.24634483456611633}],"sentiment":"neutral","sentiment_score":0.24634483456611633,"channel":0,"num_words":1,"start":1188.305,"end":1188.545},{"sentences":[{"text":"Okay.","start":1188.3201,"end":1188.765,"sentiment":"neutral","sentiment_score":0.2964968979358673}],"sentiment":"neutral","sentiment_score":0.2964968979358673,"channel":1,"num_words":1,"start":1188.3201,"end":1188.765},{"sentences":[{"text":"are very security conscious, so they can't just call up willy nilly and ask for information.","start":1188.545,"end":1192.9651,"sentiment":"neutral","sentiment_score":0.11395081598311663},{"text":"Essentially, we have to be able to be provided with your will and a death certificate to be able to assist, and we will only be able to speak to the executor.","start":1193.69,"end":1203.39,"sentiment":"neutral","sentiment_score":0.20723702758550644},{"text":"So whoever is the executor of your will and your estate is the one person who can come and help facilitate the claim.","start":1203.61,"end":1209.405,"sentiment":"neutral","sentiment_score":0.2829217534998189},{"text":"So whether that's your eldest child or your ex wife or just somebody else that you trust, that's the person that is able to call that is able to facilitate the claim for your beneficiaries if it's not one of your beneficiaries, and that's how we sort of help them with the process.","start":1209.405,"end":1224.865,"sentiment":"neutral","sentiment_score":0.28449692549008243}],"sentiment":"neutral","sentiment_score":0.24226076870916352,"channel":0,"num_words":124,"start":1188.545,"end":1224.865},{"sentences":[{"text":"Okay.","start":1225.515,"end":1226.015,"sentiment":"neutral","sentiment_score":0.102099671959877}],"sentiment":"neutral","sentiment_score":0.102099671959877,"channel":1,"num_words":1,"start":1225.515,"end":1226.015},{"sentences":[{"text":"Yeah.","start":1225.59,"end":1226.09,"sentiment":"neutral","sentiment_score":0.09761837869882584},{"text":"Yeah.","start":1226.79,"end":1227.29,"sentiment":"neutral","sentiment_score":0.09680241346359252}],"sentiment":"neutral","sentiment_score":0.09721039608120918,"channel":0,"num_words":2,"start":1225.59,"end":1227.29},{"sentences":[{"text":"Okay.","start":1227.515,"end":1227.9,"sentiment":"neutral","sentiment_score":0.0912880152463913}],"sentiment":"neutral","sentiment_score":0.0912880152463913,"channel":1,"num_words":1,"start":1227.515,"end":1227.9},{"sentences":[{"text":"There's a there's a lot to it, isn't there?","start":1227.83,"end":1230.17,"sentiment":"neutral","sentiment_score":-0.007349312926332156}],"sentiment":"neutral","sentiment_score":-0.007349312926332156,"channel":0,"num_words":9,"start":1227.83,"end":1230.17},{"sentences":[{"text":"There","start":1232.3,"end":1232.8,"sentiment":"neutral","sentiment_score":-0.02741401270031929}],"sentiment":"neutral","sentiment_score":-0.02741401270031929,"channel":1,"num_words":1,"start":1232.3,"end":1232.8},{"sentences":[{"text":"We sort of all think that once once we go, it just all happens, but there's definitely a lot of a lot that happens in the back end around the estate planning, around the the will, and around the claiming on the deceased estate that that we do take into account when we are dealing with this a deceased estate, and that has to happen.","start":1232.47,"end":1250.025,"sentiment":"neutral","sentiment_score":-0.0026121136660759267},{"text":"So, yeah, there's a lot to happen in the back end.","start":1250.025,"end":1252.585,"sentiment":"neutral","sentiment_score":0.029973961074243893},{"text":"But, yeah, it's pretty cool.","start":1252.585,"end":1253.965,"sentiment":"positive","sentiment_score":0.4636713683605194}],"sentiment":"neutral","sentiment_score":0.030596086732399316,"channel":0,"num_words":81,"start":1232.47,"end":1253.965},{"sentences":[{"text":"Yeah.","start":1254.395,"end":1254.895,"sentiment":"neutral","sentiment_score":0.1527201235294342},{"text":"Uh-huh.","start":1255.115,"end":1255.435,"sentiment":"neutral","sentiment_score":0.16299492120742798},{"text":"All good.","start":1255.435,"end":1255.89,"sentiment":"positive","sentiment_score":0.43002815544605255}],"sentiment":"neutral","sentiment_score":0.2939428389072418,"channel":1,"num_words":4,"start":1254.395,"end":1255.89},{"sentences":[{"text":"And a few things for you to think about too.","start":1256.24,"end":1258.58,"sentiment":"neutral","sentiment_score":0.17555856704711914}],"sentiment":"neutral","sentiment_score":0.17555856704711914,"channel":0,"num_words":10,"start":1256.24,"end":1258.58},{"sentences":[{"text":"Yeah.","start":1259.65,"end":1259.97,"sentiment":"neutral","sentiment_score":0.17270129919052124},{"text":"Absolutely.","start":1259.97,"end":1260.47,"sentiment":"neutral","sentiment_score":0.18911543488502505}],"sentiment":"neutral","sentiment_score":0.18090836703777313,"channel":1,"num_words":2,"start":1259.65,"end":1260.47},{"sentences":[{"text":"No.","start":1263.0399,"end":1263.5399,"sentiment":"neutral","sentiment_score":0.1208728700876236},{"text":"All good.","start":1263.6,"end":1264.34,"sentiment":"neutral","sentiment_score":0.21644678711891172},{"text":"So having a look at things, look, we've gone through most of it now.","start":1265.2,"end":1268.5,"sentiment":"neutral","sentiment_score":0.09936414765460151},{"text":"If you like, what I can do is I can send you through a bit of a general information just on a local solicitor with a bit of a costing if you like, just on how much they charge to do up a will and a power of attorney just to give you something to think about.","start":1268.5599,"end":1281.1649,"sentiment":"neutral","sentiment_score":0.11062154644413998},{"text":"I can also look into obviously, each state has trustees that can help do wills and things like that as well.","start":1281.5599,"end":1288.84,"sentiment":"neutral","sentiment_score":0.060374430602505094}],"sentiment":"neutral","sentiment_score":0.10019111264693109,"channel":0,"num_words":95,"start":1263.0399,"end":1288.84},{"sentences":[{"text":"I can also do a little bit of research around your local trustee and what they charge to do a will and power of attorney.","start":1288.84,"end":1295.385,"sentiment":"neutral","sentiment_score":0.07557128831744193},{"text":"If you want us to give you some general information for you to have a think about, would you like that, Matthew?","start":1295.385,"end":1299.885,"sentiment":"neutral","sentiment_score":0.09623516689647328}],"sentiment":"neutral","sentiment_score":0.08524374212039278,"channel":0,"num_words":47,"start":1288.84,"end":1299.885},{"sentences":[{"text":"Yeah.","start":1300.255,"end":1300.5751,"sentiment":"neutral","sentiment_score":0.07715940475463867},{"text":"Yes, please.","start":1300.5751,"end":1301.3151,"sentiment":"neutral","sentiment_score":0.11646116524934769}],"sentiment":"neutral","sentiment_score":0.10336057841777802,"channel":1,"num_words":3,"start":1300.255,"end":1301.3151},{"sentences":[{"text":"Yeah.","start":1301.785,"end":1302.185,"sentiment":"neutral","sentiment_score":0.3106836676597595},{"text":"Beautiful.","start":1302.185,"end":1302.685,"sentiment":"positive","sentiment_score":0.7266300916671753},{"text":"I'll organize that email for you.","start":1302.8251,"end":1304.505,"sentiment":"positive","sentiment_score":0.5187682012716929},{"text":"It's not an issue at all.","start":1304.505,"end":1306.125,"sentiment":"neutral","sentiment_score":0.3109114194909732},{"text":"Basically, with where we are at the moment, we'll have another conversation in about four weeks.","start":1307.305,"end":1312.17,"sentiment":"neutral","sentiment_score":0.24065692257136106}],"sentiment":"neutral","sentiment_score":0.32886340816815696,"channel":0,"num_words":30,"start":1301.785,"end":1312.17},{"sentences":[{"text":"I'll get Sammy to give you a call and book you in so we can kinda have a bit more of a conversation around your goals and what we're looking for advice wise both inside and outside super.","start":1312.17,"end":1321.79,"sentiment":"neutral","sentiment_score":0.32629084351815674},{"text":"You've got a few things to think about with the estate planning side of things there as well.","start":1322.535,"end":1326.795,"sentiment":"neutral","sentiment_score":0.19351662695407867},{"text":"And, obviously, there's a lot going on with the sale of your property.","start":1327.415,"end":1330.395,"sentiment":"neutral","sentiment_score":0.10071618683063067},{"text":"Goal wise, I've got down that we're sort of looking to invest in outside of super.","start":1331.655,"end":1335.57,"sentiment":"neutral","sentiment_score":0.12435367098078132},{"text":"You're sort of looking to see where things are tracking and how we can build wealth both with super and externally over the next five to ten years.","start":1335.57,"end":1343.59,"sentiment":"neutral","sentiment_score":0.2124214175024203}],"sentiment":"neutral","sentiment_score":0.22238159463205168,"channel":0,"num_words":113,"start":1312.17,"end":1343.59},{"sentences":[{"text":"And with your super, we're tracking for a goal of accessing 60 to give you that option there.","start":1343.8099,"end":1348.785,"sentiment":"neutral","sentiment_score":0.1747569495605098},{"text":"Am I missing anything goal wise or with any of this?","start":1349.105,"end":1351.985,"sentiment":"neutral","sentiment_score":0.02612487023526972},{"text":"Is there anything else that you kind of wanted me to incorporate?","start":1351.985,"end":1354.725,"sentiment":"neutral","sentiment_score":0.039463855947057404}],"sentiment":"neutral","sentiment_score":0.09528207161077638,"channel":0,"num_words":41,"start":1343.8099,"end":1354.725},{"sentences":[{"text":"Yeah.","start":1355.0951,"end":1355.5951,"sentiment":"neutral","sentiment_score":-0.0007980158552527428}],"sentiment":"neutral","sentiment_score":-0.0007980158552527428,"channel":1,"num_words":1,"start":1355.0951,"end":1355.5951},{"sentences":[{"text":"Or","start":1355.105,"end":1355.605,"sentiment":"neutral","sentiment_score":-0.04259711503982544}],"sentiment":"neutral","sentiment_score":-0.04259711503982544,"channel":0,"num_words":1,"start":1355.105,"end":1355.605},{"sentences":[{"text":"No.","start":1355.7351,"end":1356.135,"sentiment":"neutral","sentiment_score":-0.15315353870391846},{"text":"Not at all.","start":1356.135,"end":1356.87,"sentiment":"neutral","sentiment_score":-0.2002639869848887},{"text":"No.","start":1357.03,"end":1357.27,"sentiment":"neutral","sentiment_score":-0.23752453923225403},{"text":"I think","start":1357.27,"end":1357.75,"sentiment":"neutral","sentiment_score":-0.22031334042549133}],"sentiment":"neutral","sentiment_score":-0.20458524567740305,"channel":1,"num_words":7,"start":1355.7351,"end":1357.75},{"sentences":[{"text":"no.","start":1357.505,"end":1358.005,"sentiment":"neutral","sentiment_score":-0.2101433277130127}],"sentiment":"neutral","sentiment_score":-0.2101433277130127,"channel":0,"num_words":1,"start":1357.505,"end":1358.005},{"sentences":[{"text":"we're all good.","start":1357.75,"end":1358.39,"sentiment":"neutral","sentiment_score":-0.07355468720197678},{"text":"Like, I I am just, you know, we have a conversation.","start":1358.39,"end":1361.43,"sentiment":"neutral","sentiment_score":-0.023960598490454933},{"text":"I'm I'm interested","start":1361.43,"end":1362.15,"sentiment":"neutral","sentiment_score":-0.013440821164598068}],"sentiment":"neutral","sentiment_score":-0.030856065205572283,"channel":1,"num_words":17,"start":1357.75,"end":1362.15},{"sentences":[{"text":"No.","start":1361.8401,"end":1362.3401,"sentiment":"neutral","sentiment_score":-0.09479975700378418}],"sentiment":"neutral","sentiment_score":-0.09479975700378418,"channel":0,"num_words":1,"start":1361.8401,"end":1362.3401},{"sentences":[{"text":"in that conversation in a couple of weeks and","start":1362.15,"end":1364.57,"sentiment":"neutral","sentiment_score":-0.07326514480842485}],"sentiment":"neutral","sentiment_score":-0.07326514480842485,"channel":1,"num_words":9,"start":1362.15,"end":1364.57},{"sentences":[{"text":"Absolutely.","start":1364.24,"end":1364.74,"sentiment":"neutral","sentiment_score":0.08061899244785309},{"text":"Yeah.","start":1365.3601,"end":1365.8601,"sentiment":"neutral","sentiment_score":0.11701048910617828}],"sentiment":"neutral","sentiment_score":0.09881474077701569,"channel":0,"num_words":2,"start":1364.24,"end":1365.8601},{"sentences":[{"text":"moving forward.","start":1365.43,"end":1366.33,"sentiment":"neutral","sentiment_score":0.15721392631530762},{"text":"Yeah.","start":1366.47,"end":1366.97,"sentiment":"neutral","sentiment_score":0.08212826400995255}],"sentiment":"neutral","sentiment_score":0.13218537221352258,"channel":1,"num_words":3,"start":1365.43,"end":1366.97},{"sentences":[{"text":"Yep.","start":1366.9601,"end":1367.4601,"sentiment":"neutral","sentiment_score":0.07097478210926056},{"text":"No.","start":1367.68,"end":1368.0,"sentiment":"neutral","sentiment_score":0.04085541516542435},{"text":"Perfect.","start":1368.0,"end":1368.5,"sentiment":"neutral","sentiment_score":0.27301710844039917},{"text":"Perfect.","start":1368.64,"end":1368.88,"sentiment":"positive","sentiment_score":0.3403790593147278},{"text":"I feel like it is good to just let you go through this settlement process first, work out where things are up to once you go through that, look at","start":1368.88,"end":1375.975,"sentiment":"neutral","sentiment_score":0.3146713306506475}],"sentiment":"neutral","sentiment_score":0.29898136131027164,"channel":0,"num_words":34,"start":1366.9601,"end":1375.975},{"sentences":[{"text":"Yep.","start":1375.765,"end":1376.265,"sentiment":"neutral","sentiment_score":0.1886557936668396}],"sentiment":"neutral","sentiment_score":0.1886557936668396,"channel":1,"num_words":1,"start":1375.765,"end":1376.265},{"sentences":[{"text":"what your expendable cash is, look at what your income looks like, what your circumstances then also look like.","start":1375.975,"end":1381.495,"sentiment":"neutral","sentiment_score":0.1637992772616838},{"text":"That way, the advice we do provide is accurate and in your best interest.","start":1381.495,"end":1385.5149,"sentiment":"positive","sentiment_score":0.3792321745838438},{"text":"Otherwise,","start":1385.8949,"end":1386.3949,"sentiment":"neutral","sentiment_score":0.07587695866823196}],"sentiment":"neutral","sentiment_score":0.24992099031805992,"channel":0,"num_words":34,"start":1375.975,"end":1386.3949},{"sentences":[{"text":"Yes.","start":1386.02,"end":1386.52,"sentiment":"neutral","sentiment_score":0.025242621079087257}],"sentiment":"neutral","sentiment_score":0.025242621079087257,"channel":1,"num_words":1,"start":1386.02,"end":1386.52},{"sentences":[{"text":"doing that now and then having things change in four weeks means we have to go back and reevaluate the advice if it's no longer in your best interest.","start":1386.5349,"end":1393.87,"sentiment":"neutral","sentiment_score":-0.15772822602041836},{"text":"So I do personally like to make sure that when we are providing advice that it is in your best interest that we are factoring in all of your circumstances.","start":1393.87,"end":1402.13,"sentiment":"neutral","sentiment_score":0.16912803699572881},{"text":"And if there's an expected change in the short term that we do note and recognize that for you.","start":1402.755,"end":1407.875,"sentiment":"neutral","sentiment_score":0.12779953958172546},{"text":"So I definitely think this is the best course of action, but I'm really looking forward to putting this together for you and running the projections and seeing what we can come up with.","start":1407.875,"end":1416.63,"sentiment":"positive","sentiment_score":0.6221392058274325},{"text":"So I'm very excited.","start":1416.71,"end":1418.25,"sentiment":"positive","sentiment_score":0.6619337797164917}],"sentiment":"neutral","sentiment_score":0.2304170855545792,"channel":0,"num_words":116,"start":1386.5349,"end":1418.25},{"sentences":[{"text":"It'd be good.","start":1418.39,"end":1419.13,"sentiment":"positive","sentiment_score":0.6665764053662618}],"sentiment":"positive","sentiment_score":0.6665764053662618,"channel":0,"num_words":3,"start":1418.39,"end":1419.13},{"sentences":[{"text":"Same here.","start":1419.41,"end":1420.05,"sentiment":"positive","sentiment_score":0.4045588821172714},{"text":"Sounds fun.","start":1420.05,"end":1420.755,"sentiment":"positive","sentiment_score":0.6022824048995972}],"sentiment":"positive","sentiment_score":0.5034206435084343,"channel":1,"num_words":4,"start":1419.41,"end":1420.755},{"sentences":[{"text":"Fantastic.","start":1421.99,"end":1422.49,"sentiment":"positive","sentiment_score":0.7129237055778503},{"text":"I've confirmed that your insurance is all good.","start":1424.23,"end":1426.15,"sentiment":"positive","sentiment_score":0.5643261298537254},{"text":"There's no changes there.","start":1426.15,"end":1427.27,"sentiment":"neutral","sentiment_score":0.257673267275095},{"text":"But in the next sort of couple of weeks, if you do think about anything that comes up or you wanna reassess them or you feel like the levels of cover aren't accurate, just sort of note down some questions, and we can always go through those again when we speak in about four weeks there.","start":1427.27,"end":1441.105,"sentiment":"neutral","sentiment_score":0.1263833844235965}],"sentiment":"neutral","sentiment_score":0.1932709469743397,"channel":0,"num_words":69,"start":1421.99,"end":1441.105},{"sentences":[{"text":"Yep.","start":1441.5801,"end":1442.0801,"sentiment":"neutral","sentiment_score":0.07346691936254501}],"sentiment":"neutral","sentiment_score":0.07346691936254501,"channel":1,"num_words":1,"start":1441.5801,"end":1442.0801},{"sentences":[{"text":"Is there any other goals or anything else that sort of come to mind over the next one year, two years, five years that you think we might need to maybe factor in?","start":1441.8049,"end":1450.08,"sentiment":"neutral","sentiment_score":0.0774988096320268}],"sentiment":"neutral","sentiment_score":0.0774988096320268,"channel":0,"num_words":33,"start":1441.8049,"end":1450.08},{"sentences":[{"text":"Not really.","start":1451.335,"end":1451.8949,"sentiment":"neutral","sentiment_score":-0.07436930760741234},{"text":"I think, you know, cash flow is a big one for me.","start":1451.8949,"end":1454.695,"sentiment":"neutral","sentiment_score":-0.05377681956936916},{"text":"Like,","start":1454.695,"end":1454.9349,"sentiment":"neutral","sentiment_score":0.01224815845489502}],"sentiment":"neutral","sentiment_score":-0.05212081943949064,"channel":1,"num_words":15,"start":1451.335,"end":1454.9349},{"sentences":[{"text":"Yep.","start":1454.7799,"end":1455.2799,"sentiment":"neutral","sentiment_score":0.040591295808553696}],"sentiment":"neutral","sentiment_score":0.040591295808553696,"channel":0,"num_words":1,"start":1454.7799,"end":1455.2799},{"sentences":[{"text":"it's just cash flow and and a long term plan, you know, a long term plan.","start":1454.9349,"end":1459.4149,"sentiment":"neutral","sentiment_score":0.028833112446591258},{"text":"I just wanna yeah.","start":1459.4149,"end":1461.195,"sentiment":"neutral","sentiment_score":0.06691505294293165},{"text":"I wanna be","start":1461.255,"end":1462.235,"sentiment":"neutral","sentiment_score":0.11538145442803703}],"sentiment":"neutral","sentiment_score":0.04674497279136077,"channel":1,"num_words":23,"start":1454.9349,"end":1462.235},{"sentences":[{"text":"Yep.","start":1461.755,"end":1462.155,"sentiment":"neutral","sentiment_score":0.0859113335609436},{"text":"Yep.","start":1462.155,"end":1462.655,"sentiment":"neutral","sentiment_score":0.05644583702087402}],"sentiment":"neutral","sentiment_score":0.07117858529090881,"channel":0,"num_words":2,"start":1461.755,"end":1462.655},{"sentences":[{"text":"as like, and I've got and, like, just another thing to think about is that I've got the kids too.","start":1462.2949,"end":1467.8099,"sentiment":"neutral","sentiment_score":0.053757294081151485},{"text":"So, you know, holidays and, you know, and and the education side of things and just making sure that we're we're covered as a family.","start":1467.8099,"end":1475.49,"sentiment":"neutral","sentiment_score":0.11197499766945838},{"text":"Like, I mean, I'm not silly.","start":1475.49,"end":1477.025,"sentiment":"neutral","sentiment_score":0.009952088197072348}],"sentiment":"neutral","sentiment_score":0.0771418304419985,"channel":1,"num_words":51,"start":1462.2949,"end":1477.025},{"sentences":[{"text":"Yeah.","start":1476.73,"end":1477.23,"sentiment":"neutral","sentiment_score":0.030323969200253487}],"sentiment":"neutral","sentiment_score":0.030323969200253487,"channel":0,"num_words":1,"start":1476.73,"end":1477.23},{"sentences":[{"text":"I know how to budget and do what I need to do, but","start":1477.025,"end":1479.585,"sentiment":"neutral","sentiment_score":0.04086465159287819}],"sentiment":"neutral","sentiment_score":0.04086465159287819,"channel":1,"num_words":13,"start":1477.025,"end":1479.585},{"sentences":[{"text":"Yeah.","start":1479.53,"end":1480.03,"sentiment":"neutral","sentiment_score":0.03535874933004379}],"sentiment":"neutral","sentiment_score":0.03535874933004379,"channel":0,"num_words":1,"start":1479.53,"end":1480.03},{"sentences":[{"text":"I want I just wanna be go out of the best way, the best possible","start":1479.585,"end":1483.505,"sentiment":"neutral","sentiment_score":0.11324497411648432}],"sentiment":"neutral","sentiment_score":0.11324497411648432,"channel":1,"num_words":15,"start":1479.585,"end":1483.505},{"sentences":[{"text":"Yeah.","start":1483.465,"end":1483.965,"sentiment":"neutral","sentiment_score":0.04742375761270523}],"sentiment":"neutral","sentiment_score":0.04742375761270523,"channel":0,"num_words":1,"start":1483.465,"end":1483.965},{"sentences":[{"text":"way.","start":1483.505,"end":1483.905,"sentiment":"neutral","sentiment_score":0.03493008762598038},{"text":"And so, you know, with with what I have.","start":1483.905,"end":1487.105,"sentiment":"neutral","sentiment_score":0.043258468310038246},{"text":"And I'm I'm","start":1487.105,"end":1487.745,"sentiment":"neutral","sentiment_score":0.03332063679893812}],"sentiment":"neutral","sentiment_score":0.040324477908703,"channel":1,"num_words":13,"start":1483.505,"end":1487.745},{"sentences":[{"text":"Yeah.","start":1487.625,"end":1487.785,"sentiment":"neutral","sentiment_score":0.01755620911717415}],"sentiment":"neutral","sentiment_score":0.01755620911717415,"channel":0,"num_words":1,"start":1487.625,"end":1487.785},{"sentences":[{"text":"sort","start":1487.745,"end":1487.985,"sentiment":"neutral","sentiment_score":0.006192151457071304}],"sentiment":"neutral","sentiment_score":0.006192151457071304,"channel":1,"num_words":1,"start":1487.745,"end":1487.985},{"sentences":[{"text":"Yep.","start":1487.785,"end":1488.285,"sentiment":"neutral","sentiment_score":0.011232796125113964}],"sentiment":"neutral","sentiment_score":0.011232796125113964,"channel":0,"num_words":1,"start":1487.785,"end":1488.285},{"sentences":[{"text":"of hoping that by the time we do have our next conversation, that maybe, you know, we've already had the discussions at work.","start":1487.985,"end":1496.9501,"sentiment":"neutral","sentiment_score":0.04403459718045981}],"sentiment":"neutral","sentiment_score":0.04403459718045981,"channel":1,"num_words":23,"start":1487.985,"end":1496.9501},{"sentences":[{"text":"Yeah.","start":1497.72,"end":1498.22,"sentiment":"neutral","sentiment_score":0.04980051890015602}],"sentiment":"neutral","sentiment_score":0.04980051890015602,"channel":0,"num_words":1,"start":1497.72,"end":1498.22},{"sentences":[{"text":"And, you know, looking forward, we sort of got some maybe some new numbers to play with, but we'll","start":1497.81,"end":1503.885,"sentiment":"neutral","sentiment_score":0.04383971659760726}],"sentiment":"neutral","sentiment_score":0.04383971659760726,"channel":1,"num_words":19,"start":1497.81,"end":1503.885},{"sentences":[{"text":"Yep.","start":1503.88,"end":1504.38,"sentiment":"neutral","sentiment_score":0.038918472826480865}],"sentiment":"neutral","sentiment_score":0.038918472826480865,"channel":0,"num_words":1,"start":1503.88,"end":1504.38},{"sentences":[{"text":"just see how that goes.","start":1503.885,"end":1505.005,"sentiment":"neutral","sentiment_score":0.05131728947162628},{"text":"You know?","start":1505.005,"end":1505.5851,"sentiment":"neutral","sentiment_score":0.02449536696076393}],"sentiment":"neutral","sentiment_score":0.043653883039951324,"channel":1,"num_words":7,"start":1503.885,"end":1505.5851},{"sentences":[{"text":"Yeah.","start":1505.64,"end":1506.04,"sentiment":"neutral","sentiment_score":0.03951086848974228}],"sentiment":"neutral","sentiment_score":0.03951086848974228,"channel":0,"num_words":1,"start":1505.64,"end":1506.04},{"sentences":[{"text":"But","start":1505.885,"end":1506.125,"sentiment":"neutral","sentiment_score":0.053929176181554794}],"sentiment":"neutral","sentiment_score":0.053929176181554794,"channel":1,"num_words":1,"start":1505.885,"end":1506.125},{"sentences":[{"text":"Absolutely.","start":1506.04,"end":1506.54,"sentiment":"neutral","sentiment_score":0.07096247375011444}],"sentiment":"neutral","sentiment_score":0.07096247375011444,"channel":0,"num_words":1,"start":1506.04,"end":1506.54},{"sentences":[{"text":"when that when that change happens anyway, if it happens to happen after, then","start":1506.125,"end":1510.685,"sentiment":"neutral","sentiment_score":0.041548670668687136}],"sentiment":"neutral","sentiment_score":0.041548670668687136,"channel":1,"num_words":14,"start":1506.125,"end":1510.685},{"sentences":[{"text":"That's it.","start":1510.375,"end":1510.855,"sentiment":"neutral","sentiment_score":0.05711869150400162}],"sentiment":"neutral","sentiment_score":0.05711869150400162,"channel":0,"num_words":2,"start":1510.375,"end":1510.855},{"sentences":[{"text":"we just","start":1510.685,"end":1511.3451,"sentiment":"neutral","sentiment_score":0.04575221985578537}],"sentiment":"neutral","sentiment_score":0.04575221985578537,"channel":1,"num_words":2,"start":1510.685,"end":1511.3451},{"sentences":[{"text":"That's fine.","start":1510.855,"end":1511.6749,"sentiment":"neutral","sentiment_score":0.09018243476748466}],"sentiment":"neutral","sentiment_score":0.09018243476748466,"channel":0,"num_words":2,"start":1510.855,"end":1511.6749},{"sentences":[{"text":"implement","start":1511.405,"end":1511.905,"sentiment":"neutral","sentiment_score":0.045186713337898254}],"sentiment":"neutral","sentiment_score":0.045186713337898254,"channel":1,"num_words":1,"start":1511.405,"end":1511.905},{"sentences":[{"text":"We","start":1511.895,"end":1512.0549,"sentiment":"neutral","sentiment_score":0.0686350092291832}],"sentiment":"neutral","sentiment_score":0.0686350092291832,"channel":0,"num_words":1,"start":1511.895,"end":1512.0549},{"sentences":[{"text":"it","start":1511.9651,"end":1512.125,"sentiment":"neutral","sentiment_score":0.09451092779636384}],"sentiment":"neutral","sentiment_score":0.09451092779636384,"channel":1,"num_words":1,"start":1511.9651,"end":1512.125},{"sentences":[{"text":"can","start":1512.0549,"end":1512.215,"sentiment":"neutral","sentiment_score":0.08850816637277603}],"sentiment":"neutral","sentiment_score":0.08850816637277603,"channel":0,"num_words":1,"start":1512.0549,"end":1512.215},{"sentences":[{"text":"when","start":1512.125,"end":1512.365,"sentiment":"neutral","sentiment_score":0.08891915529966354}],"sentiment":"neutral","sentiment_score":0.08891915529966354,"channel":1,"num_words":1,"start":1512.125,"end":1512.365},{"sentences":[{"text":"factor","start":1512.215,"end":1512.615,"sentiment":"neutral","sentiment_score":0.08612098544836044}],"sentiment":"neutral","sentiment_score":0.08612098544836044,"channel":0,"num_words":1,"start":1512.215,"end":1512.615},{"sentences":[{"text":"it happens.","start":1512.365,"end":1512.9451,"sentiment":"neutral","sentiment_score":0.062080491334199905}],"sentiment":"neutral","sentiment_score":0.062080491334199905,"channel":1,"num_words":2,"start":1512.365,"end":1512.9451},{"sentences":[{"text":"in.","start":1512.615,"end":1513.115,"sentiment":"neutral","sentiment_score":0.03163374960422516}],"sentiment":"neutral","sentiment_score":0.03163374960422516,"channel":0,"num_words":1,"start":1512.615,"end":1513.115},{"sentences":[{"text":"And","start":1513.005,"end":1513.505,"sentiment":"neutral","sentiment_score":0.05129360407590866}],"sentiment":"neutral","sentiment_score":0.05129360407590866,"channel":1,"num_words":1,"start":1513.005,"end":1513.505},{"sentences":[{"text":"Yeah.","start":1513.495,"end":1513.815,"sentiment":"neutral","sentiment_score":0.08532871305942535},{"text":"Absolutely.","start":1513.815,"end":1514.315,"sentiment":"neutral","sentiment_score":0.15999643504619598},{"text":"Most","start":1514.855,"end":1515.1749,"sentiment":"neutral","sentiment_score":0.16723981499671936}],"sentiment":"neutral","sentiment_score":0.1375216543674469,"channel":0,"num_words":3,"start":1513.495,"end":1515.1749},{"sentences":[{"text":"yeah.","start":1515.0851,"end":1515.54,"sentiment":"neutral","sentiment_score":0.1842217743396759}],"sentiment":"neutral","sentiment_score":0.1842217743396759,"channel":1,"num_words":1,"start":1515.0851,"end":1515.54},{"sentences":[{"text":"definitely.","start":1515.1749,"end":1515.6749,"sentiment":"neutral","sentiment_score":0.2323580831289291},{"text":"Yeah.","start":1516.135,"end":1516.375,"sentiment":"neutral","sentiment_score":0.15025098621845245},{"text":"No.","start":1516.375,"end":1516.615,"sentiment":"neutral","sentiment_score":0.23851487040519712},{"text":"Not a problem at all.","start":1516.615,"end":1517.6549,"sentiment":"positive","sentiment_score":0.37990307807922363},{"text":"Fantastic.","start":1517.6549,"end":1518.1549,"sentiment":"positive","sentiment_score":0.8366735577583313}],"sentiment":"positive","sentiment_score":0.3730347653230031,"channel":0,"num_words":9,"start":1515.1749,"end":1518.1549},{"sentences":[{"text":"I like it.","start":1518.375,"end":1519.2749,"sentiment":"positive","sentiment_score":0.8192708293596903},{"text":"Well, the only other thing to let you know is when we do come back, I'll kinda go through things in a bit more detail with you.","start":1519.86,"end":1524.82,"sentiment":"neutral","sentiment_score":0.04485011735448131},{"text":"But that ongoing service agreement you do have in the email there is just letting you know you do pay an ongoing service fee for our services looking after your super.","start":1524.82,"end":1534.04,"sentiment":"neutral","sentiment_score":0.010043589338179558},{"text":"It is 1.65% per annum, and then","start":1534.365,"end":1537.565,"sentiment":"neutral","sentiment_score":0.007468846227441516}],"sentiment":"neutral","sentiment_score":0.05929998308420181,"channel":0,"num_words":68,"start":1518.375,"end":1537.565},{"sentences":[{"text":"Yeah.","start":1537.555,"end":1538.055,"sentiment":"neutral","sentiment_score":0.0247882716357708}],"sentiment":"neutral","sentiment_score":0.0247882716357708,"channel":1,"num_words":1,"start":1537.555,"end":1538.055},{"sentences":[{"text":"the the amount is deducted out of your super on a monthly basis.","start":1537.565,"end":1541.165,"sentiment":"neutral","sentiment_score":0.014479472660101377},{"text":"So it is linked to the performance of your super.","start":1541.165,"end":1543.425,"sentiment":"neutral","sentiment_score":0.028233937360346316},{"text":"Just so you are aware, if we do recommend investment accounts and things like that, we do also charge an ongoing service fee for the monitoring of those because they are outside of super.","start":1544.045,"end":1553.24,"sentiment":"neutral","sentiment_score":0.009059977553346577},{"text":"However, we take your 1.65% currently, and we split that across.","start":1553.7,"end":1558.26,"sentiment":"neutral","sentiment_score":0.015166586942293427},{"text":"So we'll, you know, look to prorated that across the two different accounts for you.","start":1558.26,"end":1562.405,"sentiment":"neutral","sentiment_score":0.03324602705736955}],"sentiment":"neutral","sentiment_score":0.017399212255714887,"channel":0,"num_words":83,"start":1537.565,"end":1562.405},{"sentences":[{"text":"But","start":1562.625,"end":1562.9451,"sentiment":"neutral","sentiment_score":0.030831778421998024}],"sentiment":"neutral","sentiment_score":0.030831778421998024,"channel":0,"num_words":1,"start":1562.625,"end":1562.9451},{"sentences":[{"text":"Okay.","start":1562.705,"end":1563.205,"sentiment":"neutral","sentiment_score":0.041541844606399536}],"sentiment":"neutral","sentiment_score":0.041541844606399536,"channel":1,"num_words":1,"start":1562.705,"end":1563.205},{"sentences":[{"text":"I'll be able to, as part of the advice, show you what the fee structure looks like and show you what the expected fees are as part of the advice, and then you can let me know whether you're comfortable with doing that or not.","start":1562.9451,"end":1573.505,"sentiment":"neutral","sentiment_score":0.04285667228202025},{"text":"But does that make sense, and do you have any questions about the fee structure currently?","start":1573.505,"end":1577.125,"sentiment":"neutral","sentiment_score":6.712856702506542e-6}],"sentiment":"neutral","sentiment_score":0.03161733866226478,"channel":0,"num_words":61,"start":1562.9451,"end":1577.125},{"sentences":[{"text":"No.","start":1577.6,"end":1577.76,"sentiment":"neutral","sentiment_score":-0.03587754815816879},{"text":"That's cool.","start":1577.76,"end":1578.4,"sentiment":"neutral","sentiment_score":0.18407941609621048},{"text":"Love it.","start":1578.4,"end":1578.795,"sentiment":"positive","sentiment_score":0.4339468777179718}],"sentiment":"neutral","sentiment_score":0.24003500789403914,"channel":1,"num_words":5,"start":1577.6,"end":1578.795},{"sentences":[{"text":"No.","start":1579.0701,"end":1579.5701,"sentiment":"neutral","sentiment_score":0.15666861832141876},{"text":"Beautiful.","start":1579.7101,"end":1580.1901,"sentiment":"positive","sentiment_score":0.34042105078697205},{"text":"Excellent.","start":1580.1901,"end":1580.6901,"sentiment":"neutral","sentiment_score":0.3329421877861023}],"sentiment":"neutral","sentiment_score":0.2766772856314977,"channel":0,"num_words":3,"start":1579.0701,"end":1580.6901},{"sentences":[{"text":"This","start":1581.3551,"end":1581.675,"sentiment":"neutral","sentiment_score":0.1269632875919342}],"sentiment":"neutral","sentiment_score":0.1269632875919342,"channel":1,"num_words":1,"start":1581.3551,"end":1581.675},{"sentences":[{"text":"You're","start":1581.63,"end":1581.79,"sentiment":"neutral","sentiment_score":0.13102154433727264}],"sentiment":"neutral","sentiment_score":0.13102154433727264,"channel":0,"num_words":1,"start":1581.63,"end":1581.79},{"sentences":[{"text":"this this","start":1581.675,"end":1581.8351,"sentiment":"neutral","sentiment_score":0.13947805017232895}],"sentiment":"neutral","sentiment_score":0.13947805017232895,"channel":1,"num_words":2,"start":1581.675,"end":1581.8351},{"sentences":[{"text":"right.","start":1581.79,"end":1582.29,"sentiment":"neutral","sentiment_score":0.09101704508066176}],"sentiment":"neutral","sentiment_score":0.09101704508066176,"channel":0,"num_words":1,"start":1581.79,"end":1582.29},{"sentences":[{"text":"conversation that we're gonna have,","start":1581.8351,"end":1583.4551,"sentiment":"neutral","sentiment_score":0.059918520599603654}],"sentiment":"neutral","sentiment_score":0.059918520599603654,"channel":1,"num_words":5,"start":1581.8351,"end":1583.4551},{"sentences":[{"text":"Yeah.","start":1583.87,"end":1584.37,"sentiment":"neutral","sentiment_score":0.05083760619163513}],"sentiment":"neutral","sentiment_score":0.05083760619163513,"channel":0,"num_words":1,"start":1583.87,"end":1584.37},{"sentences":[{"text":"is it over the phone again?","start":1584.0751,"end":1585.1951,"sentiment":"neutral","sentiment_score":0.03789818131675323},{"text":"Can I come and see you?","start":1585.1951,"end":1586.3151,"sentiment":"neutral","sentiment_score":0.025379039036730926},{"text":"Or","start":1586.3151,"end":1586.8151,"sentiment":"neutral","sentiment_score":0.029321912676095963}],"sentiment":"neutral","sentiment_score":0.031460402676692374,"channel":1,"num_words":13,"start":1584.0751,"end":1586.8151},{"sentences":[{"text":"You can if you like.","start":1587.39,"end":1588.8301,"sentiment":"neutral","sentiment_score":0.03940778449177742},{"text":"Where so you having a look.","start":1588.8301,"end":1590.8501,"sentiment":"neutral","sentiment_score":0.052365982284148536},{"text":"You're you're in Ipswich.","start":1591.245,"end":1592.525,"sentiment":"neutral","sentiment_score":0.022457141894847155},{"text":"If you wanna come into the office, we can absolutely do it.","start":1592.525,"end":1595.325,"sentiment":"positive","sentiment_score":0.5336011325319608},{"text":"We're in Southport.","start":1595.325,"end":1596.305,"sentiment":"neutral","sentiment_score":0.3097405930360158}],"sentiment":"neutral","sentiment_score":0.26444995844115815,"channel":0,"num_words":30,"start":1587.39,"end":1596.305},{"sentences":[{"text":"So if you wanna do that, that's fine.","start":1596.525,"end":1598.525,"sentiment":"neutral","sentiment_score":0.31013855524361134},{"text":"We can do it by Teams.","start":1598.525,"end":1599.725,"sentiment":"positive","sentiment_score":0.3760188619295756},{"text":"We can do it over the phone.","start":1599.725,"end":1601.165,"sentiment":"positive","sentiment_score":0.3784743334565844},{"text":"I'm happy to meet however you would like to.","start":1601.165,"end":1604.365,"sentiment":"positive","sentiment_score":0.6001208424568176},{"text":"What would you prefer?","start":1604.365,"end":1605.425,"sentiment":"neutral","sentiment_score":0.1155233383178711}],"sentiment":"positive","sentiment_score":0.38969773185603757,"channel":0,"num_words":34,"start":1596.525,"end":1605.425},{"sentences":[{"text":"I think in person.","start":1605.845,"end":1606.885,"sentiment":"neutral","sentiment_score":0.0589956296607852},{"text":"I don't know.","start":1606.885,"end":1607.4451,"sentiment":"neutral","sentiment_score":-0.03247647359967232},{"text":"I've just yeah.","start":1607.4451,"end":1608.165,"sentiment":"neutral","sentiment_score":0.02863309532403946}],"sentiment":"neutral","sentiment_score":0.02244523838162422,"channel":1,"num_words":10,"start":1605.845,"end":1608.165},{"sentences":[{"text":"Yeah.","start":1608.03,"end":1608.43,"sentiment":"neutral","sentiment_score":0.12608914077281952}],"sentiment":"neutral","sentiment_score":0.12608914077281952,"channel":0,"num_words":1,"start":1608.03,"end":1608.43},{"sentences":[{"text":"It's","start":1608.165,"end":1608.485,"sentiment":"neutral","sentiment_score":0.1484437733888626}],"sentiment":"neutral","sentiment_score":0.1484437733888626,"channel":1,"num_words":1,"start":1608.165,"end":1608.485},{"sentences":[{"text":"Make a","start":1608.43,"end":1608.83,"sentiment":"neutral","sentiment_score":0.19410420209169388}],"sentiment":"neutral","sentiment_score":0.19410420209169388,"channel":0,"num_words":2,"start":1608.43,"end":1608.83},{"sentences":[{"text":"yeah.","start":1608.725,"end":1609.225,"sentiment":"neutral","sentiment_score":0.14430361986160278}],"sentiment":"neutral","sentiment_score":0.14430361986160278,"channel":1,"num_words":1,"start":1608.725,"end":1609.225},{"sentences":[{"text":"day of it and come to the Gold Coast.","start":1608.83,"end":1610.6901,"sentiment":"neutral","sentiment_score":0.1502782271967994}],"sentiment":"neutral","sentiment_score":0.1502782271967994,"channel":0,"num_words":9,"start":1608.83,"end":1610.6901},{"sentences":[{"text":"Yeah.","start":1610.805,"end":1611.285,"sentiment":"neutral","sentiment_score":0.20494304597377777},{"text":"That's right.","start":1611.285,"end":1611.845,"sentiment":"positive","sentiment_score":0.334256112575531},{"text":"I could go go for some lunch and then come and see you.","start":1611.845,"end":1614.3251,"sentiment":"neutral","sentiment_score":0.28908055791488063}],"sentiment":"neutral","sentiment_score":0.289468907751143,"channel":1,"num_words":16,"start":1610.805,"end":1614.3251},{"sentences":[{"text":"Yeah.","start":1614.27,"end":1614.77,"sentiment":"neutral","sentiment_score":0.1481054127216339}],"sentiment":"neutral","sentiment_score":0.1481054127216339,"channel":0,"num_words":1,"start":1614.27,"end":1614.77},{"sentences":[{"text":"You know?","start":1614.3251,"end":1614.645,"sentiment":"neutral","sentiment_score":0.12133824825286865},{"text":"Yeah.","start":1614.645,"end":1615.145,"sentiment":"neutral","sentiment_score":0.2278139591217041}],"sentiment":"neutral","sentiment_score":0.1568301518758138,"channel":1,"num_words":3,"start":1614.3251,"end":1615.145},{"sentences":[{"text":"Absolutely.","start":1614.99,"end":1615.49,"sentiment":"positive","sentiment_score":0.42076027393341064},{"text":"Absolutely.","start":1616.35,"end":1616.85,"sentiment":"positive","sentiment_score":0.40270572900772095},{"text":"Well, what I'll do is I'll let Samantha know that that's kind of what your preference is.","start":1616.99,"end":1620.355,"sentiment":"positive","sentiment_score":0.3490893157089458},{"text":"And when she gives you a call to book you in, I'll get her to give you a call in three weeks.","start":1620.355,"end":1624.215,"sentiment":"neutral","sentiment_score":0.31497431614182214},{"text":"That way, we've got a bit of time, and she can book you in when it suits you.","start":1624.275,"end":1627.975,"sentiment":"positive","sentiment_score":0.3561306645472844}],"sentiment":"positive","sentiment_score":0.34064019130448164,"channel":0,"num_words":59,"start":1614.99,"end":1627.975},{"sentences":[{"text":"And,","start":1628.355,"end":1628.515,"sentiment":"neutral","sentiment_score":0.1989116072654724}],"sentiment":"neutral","sentiment_score":0.1989116072654724,"channel":0,"num_words":1,"start":1628.355,"end":1628.515},{"sentences":[{"text":"Yep.","start":1628.3601,"end":1628.8601,"sentiment":"neutral","sentiment_score":0.2422480583190918}],"sentiment":"neutral","sentiment_score":0.2422480583190918,"channel":1,"num_words":1,"start":1628.3601,"end":1628.8601},{"sentences":[{"text":"yeah, absolutely, if there's a day or time that suits you.","start":1628.515,"end":1631.49,"sentiment":"neutral","sentiment_score":0.29865089600736444},{"text":"The only day I don't work at the moment is Fridays.","start":1631.73,"end":1634.05,"sentiment":"neutral","sentiment_score":-0.11049441620707512},{"text":"I have Fridays off to look after my son,","start":1634.05,"end":1636.31,"sentiment":"neutral","sentiment_score":-0.041501502609915204}],"sentiment":"neutral","sentiment_score":0.054716379171417605,"channel":0,"num_words":31,"start":1628.515,"end":1636.31},{"sentences":[{"text":"Okay.","start":1636.695,"end":1637.195,"sentiment":"neutral","sentiment_score":0.03382773697376251}],"sentiment":"neutral","sentiment_score":0.03382773697376251,"channel":1,"num_words":1,"start":1636.695,"end":1637.195},{"sentences":[{"text":"but I do work Monday to Thursday, and I'm here from anywhere from 07:30 in the morning right up until about 7PM at","start":1636.77,"end":1643.265,"sentiment":"neutral","sentiment_score":0.0799861409417961}],"sentiment":"neutral","sentiment_score":0.0799861409417961,"channel":0,"num_words":23,"start":1636.77,"end":1643.265},{"sentences":[{"text":"Oh my","start":1643.75,"end":1644.15,"sentiment":"neutral","sentiment_score":0.10391947999596596}],"sentiment":"neutral","sentiment_score":0.10391947999596596,"channel":1,"num_words":2,"start":1643.75,"end":1644.15},{"sentences":[{"text":"So","start":1644.145,"end":1644.225,"sentiment":"neutral","sentiment_score":0.1510547697544098}],"sentiment":"neutral","sentiment_score":0.1510547697544098,"channel":0,"num_words":1,"start":1644.145,"end":1644.225},{"sentences":[{"text":"god.","start":1644.15,"end":1644.65,"sentiment":"neutral","sentiment_score":0.20186705887317655}],"sentiment":"neutral","sentiment_score":0.20186705887317655,"channel":1,"num_words":1,"start":1644.15,"end":1644.65},{"sentences":[{"text":"we can make that work.","start":1644.225,"end":1645.345,"sentiment":"neutral","sentiment_score":0.24156754314899445},{"text":"Even Friday is the only time that suits you, she will still book it, and I will come into the office.","start":1645.345,"end":1649.905,"sentiment":"neutral","sentiment_score":0.19620731189137414},{"text":"So do not worry.","start":1649.905,"end":1650.965,"sentiment":"neutral","sentiment_score":0.22367706149816513},{"text":"I just like to let everyone know I'm pretty flexible Fridays.","start":1651.025,"end":1653.8251,"sentiment":"positive","sentiment_score":0.4401985840363936},{"text":"I just try to do it in between school hours because it's technically, I take that day for my son.","start":1653.8251,"end":1658.485,"sentiment":"neutral","sentiment_score":0.28294280245900155}],"sentiment":"neutral","sentiment_score":0.27416295057437456,"channel":0,"num_words":61,"start":1644.225,"end":1658.485},{"sentences":[{"text":"So I have a","start":1658.57,"end":1658.97,"sentiment":"neutral","sentiment_score":0.19564949721097946}],"sentiment":"neutral","sentiment_score":0.19564949721097946,"channel":0,"num_words":4,"start":1658.57,"end":1658.97},{"sentences":[{"text":"Yeah.","start":1658.905,"end":1659.225,"sentiment":"neutral","sentiment_score":0.10057660192251204}],"sentiment":"neutral","sentiment_score":0.10057660192251204,"channel":1,"num_words":1,"start":1658.905,"end":1659.225},{"sentences":[{"text":"little bit","start":1658.97,"end":1659.45,"sentiment":"neutral","sentiment_score":0.06973287463188171}],"sentiment":"neutral","sentiment_score":0.06973287463188171,"channel":0,"num_words":2,"start":1658.97,"end":1659.45},{"sentences":[{"text":"Gotcha.","start":1659.225,"end":1659.725,"sentiment":"neutral","sentiment_score":0.03040800243616104}],"sentiment":"neutral","sentiment_score":0.03040800243616104,"channel":1,"num_words":1,"start":1659.225,"end":1659.725},{"sentences":[{"text":"of work life balance there.","start":1659.45,"end":1660.73,"sentiment":"neutral","sentiment_score":0.04009896665811539},{"text":"But if Friday is the only day that works for you, I will make it happen, and I'll make sure Samantha's aware of that as well.","start":1660.73,"end":1666.41,"sentiment":"neutral","sentiment_score":0.2046603147800152},{"text":"Okay?","start":1666.41,"end":1666.91,"sentiment":"neutral","sentiment_score":0.07955010235309601}],"sentiment":"neutral","sentiment_score":0.17503790999762714,"channel":0,"num_words":32,"start":1659.45,"end":1666.91},{"sentences":[{"text":"No.","start":1666.745,"end":1666.985,"sentiment":"neutral","sentiment_score":-0.05361783877015114},{"text":"That's that's fine.","start":1666.985,"end":1668.105,"sentiment":"neutral","sentiment_score":0.037289129570126534},{"text":"Yeah.","start":1668.105,"end":1668.585,"sentiment":"neutral","sentiment_score":0.005437038838863373},{"text":"No.","start":1668.585,"end":1668.905,"sentiment":"neutral","sentiment_score":-0.07424794882535934}],"sentiment":"neutral","sentiment_score":-0.0017602266743779182,"channel":1,"num_words":6,"start":1666.745,"end":1668.905},{"sentences":[{"text":"Easy.","start":1668.73,"end":1669.23,"sentiment":"neutral","sentiment_score":-0.06532754004001617}],"sentiment":"neutral","sentiment_score":-0.06532754004001617,"channel":0,"num_words":1,"start":1668.73,"end":1669.23},{"sentences":[{"text":"I won't I won't","start":1668.905,"end":1669.625,"sentiment":"neutral","sentiment_score":-0.27282699942588806}],"sentiment":"neutral","sentiment_score":-0.27282699942588806,"channel":1,"num_words":4,"start":1668.905,"end":1669.625},{"sentences":[{"text":"All","start":1669.45,"end":1669.77,"sentiment":"neutral","sentiment_score":-0.22577573359012604}],"sentiment":"neutral","sentiment_score":-0.22577573359012604,"channel":0,"num_words":1,"start":1669.45,"end":1669.77},{"sentences":[{"text":"do","start":1669.625,"end":1669.785,"sentiment":"neutral","sentiment_score":-0.09546152502298356}],"sentiment":"neutral","sentiment_score":-0.09546152502298356,"channel":1,"num_words":1,"start":1669.625,"end":1669.785},{"sentences":[{"text":"good.","start":1669.77,"end":1670.27,"sentiment":"neutral","sentiment_score":-0.11204751580953598}],"sentiment":"neutral","sentiment_score":-0.11204751580953598,"channel":0,"num_words":1,"start":1669.77,"end":1670.27},{"sentences":[{"text":"that to you.","start":1669.785,"end":1670.605,"sentiment":"neutral","sentiment_score":-0.04568485915660858},{"text":"Let's see.","start":1670.825,"end":1671.145,"sentiment":"neutral","sentiment_score":-0.07131404429674149}],"sentiment":"neutral","sentiment_score":-0.055936533212661746,"channel":1,"num_words":5,"start":1669.785,"end":1671.145},{"sentences":[{"text":"No.","start":1670.985,"end":1671.145,"sentiment":"neutral","sentiment_score":-0.08548347651958466}],"sentiment":"neutral","sentiment_score":-0.08548347651958466,"channel":0,"num_words":1,"start":1670.985,"end":1671.145},{"sentences":[{"text":"I'm","start":1671.145,"end":1671.305,"sentiment":"neutral","sentiment_score":-0.07301496714353561}],"sentiment":"neutral","sentiment_score":-0.07301496714353561,"channel":1,"num_words":1,"start":1671.145,"end":1671.305},{"sentences":[{"text":"That's","start":1671.145,"end":1671.545,"sentiment":"neutral","sentiment_score":-0.0991748422384262}],"sentiment":"neutral","sentiment_score":-0.0991748422384262,"channel":0,"num_words":1,"start":1671.145,"end":1671.545},{"sentences":[{"text":"looking.","start":1671.305,"end":1671.805,"sentiment":"neutral","sentiment_score":-0.03397449105978012}],"sentiment":"neutral","sentiment_score":-0.03397449105978012,"channel":1,"num_words":1,"start":1671.305,"end":1671.805},{"sentences":[{"text":"honestly fine.","start":1671.545,"end":1672.345,"sentiment":"neutral","sentiment_score":0.06257833167910576},{"text":"I have done it before.","start":1672.345,"end":1673.545,"sentiment":"neutral","sentiment_score":0.07735254913568497},{"text":"I know sometimes Fridays are the only day or the best day, especially when you have kids, and I'll make it work.","start":1673.545,"end":1678.925,"sentiment":"neutral","sentiment_score":0.06842095862058076},{"text":"But yeah.","start":1679.145,"end":1679.785,"sentiment":"neutral","sentiment_score":0.04874148964881897},{"text":"Look.","start":1679.785,"end":1680.025,"sentiment":"neutral","sentiment_score":0.051333237439394}],"sentiment":"neutral","sentiment_score":0.0676873973570764,"channel":0,"num_words":32,"start":1671.545,"end":1680.025},{"sentences":[{"text":"Any other day, if you wanna make a day of it, morning or afternoon,","start":1680.025,"end":1683.725,"sentiment":"neutral","sentiment_score":0.07470186320798737}],"sentiment":"neutral","sentiment_score":0.07470186320798737,"channel":0,"num_words":14,"start":1680.025,"end":1683.725},{"sentences":[{"text":"Okay.","start":1684.415,"end":1684.915,"sentiment":"neutral","sentiment_score":0.13934314250946045}],"sentiment":"neutral","sentiment_score":0.13934314250946045,"channel":1,"num_words":1,"start":1684.415,"end":1684.915},{"sentences":[{"text":"we'll make sure it happens for you.","start":1684.76,"end":1686.36,"sentiment":"neutral","sentiment_score":0.20002554569925582},{"text":"It's not a problem at all.","start":1686.36,"end":1687.72,"sentiment":"neutral","sentiment_score":0.30471571286519367},{"text":"Okay.","start":1687.72,"end":1688.22,"sentiment":"positive","sentiment_score":0.3632792234420776}],"sentiment":"neutral","sentiment_score":0.2565537371805736,"channel":0,"num_words":14,"start":1684.76,"end":1688.22},{"sentences":[{"text":"Cool.","start":1688.735,"end":1689.235,"sentiment":"positive","sentiment_score":0.6110857129096985}],"sentiment":"positive","sentiment_score":0.6110857129096985,"channel":1,"num_words":1,"start":1688.735,"end":1689.235},{"sentences":[{"text":"It'd be great to meet you in person, actually.","start":1688.9199,"end":1690.76,"sentiment":"positive","sentiment_score":0.7187019652790494},{"text":"It'd be fun.","start":1690.76,"end":1691.4199,"sentiment":"positive","sentiment_score":0.6037397980690002}],"sentiment":"positive","sentiment_score":0.6899614234765371,"channel":0,"num_words":12,"start":1688.9199,"end":1691.4199},{"sentences":[{"text":"Yeah.","start":1691.855,"end":1692.255,"sentiment":"neutral","sentiment_score":0.2145424783229828},{"text":"Yeah.","start":1692.255,"end":1692.575,"sentiment":"neutral","sentiment_score":0.16584555804729462},{"text":"I I I think so","start":1692.575,"end":1693.7949,"sentiment":"neutral","sentiment_score":0.1254248544573784}],"sentiment":"neutral","sentiment_score":0.14393032980816706,"channel":1,"num_words":7,"start":1691.855,"end":1693.7949},{"sentences":[{"text":"Yeah.","start":1694.6799,"end":1695.1599,"sentiment":"neutral","sentiment_score":0.15304818749427795}],"sentiment":"neutral","sentiment_score":0.15304818749427795,"channel":0,"num_words":1,"start":1694.6799,"end":1695.1599},{"sentences":[{"text":"too.","start":1694.975,"end":1695.455,"sentiment":"neutral","sentiment_score":0.2583635151386261}],"sentiment":"neutral","sentiment_score":0.2583635151386261,"channel":1,"num_words":1,"start":1694.975,"end":1695.455},{"sentences":[{"text":"Excellent.","start":1695.1599,"end":1695.6599,"sentiment":"positive","sentiment_score":0.7274564504623413}],"sentiment":"positive","sentiment_score":0.7274564504623413,"channel":0,"num_words":1,"start":1695.1599,"end":1695.6599},{"sentences":[{"text":"That's","start":1695.455,"end":1695.955,"sentiment":"positive","sentiment_score":0.788282036781311}],"sentiment":"positive","sentiment_score":0.788282036781311,"channel":1,"num_words":1,"start":1695.455,"end":1695.955},{"sentences":[{"text":"Fantastic.","start":1696.855,"end":1697.355,"sentiment":"positive","sentiment_score":0.8047623634338379},{"text":"The only other thing to let you know is so you've got the attached documents there that we have gone through.","start":1697.735,"end":1702.135,"sentiment":"neutral","sentiment_score":0.24815580603622256},{"text":"I've also got the financial services guide attached there for you.","start":1702.135,"end":1705.495,"sentiment":"neutral","sentiment_score":0.26244817538694903}],"sentiment":"neutral","sentiment_score":0.2697867945288167,"channel":0,"num_words":33,"start":1696.855,"end":1705.495},{"sentences":[{"text":"awesome.","start":1705.32,"end":1705.82,"sentiment":"positive","sentiment_score":0.6946284174919128}],"sentiment":"positive","sentiment_score":0.6946284174919128,"channel":1,"num_words":1,"start":1705.32,"end":1705.82},{"sentences":[{"text":"It does have a lovely picture of me in there, also all my licensing information as a full licensed adviser for you as well.","start":1705.495,"end":1712.0299,"sentiment":"positive","sentiment_score":0.46796368186672527},{"text":"So feel free to run your eyes over that.","start":1712.0299,"end":1714.0299,"sentiment":"neutral","sentiment_score":0.3142587509420183},{"text":"If you find you have any questions in relation to any of those documents, please let me know.","start":1714.0299,"end":1718.85,"sentiment":"neutral","sentiment_score":0.14578536566760805}],"sentiment":"neutral","sentiment_score":0.3271292883391474,"channel":0,"num_words":51,"start":1705.495,"end":1718.85},{"sentences":[{"text":"Okay.","start":1718.9349,"end":1719.4349,"sentiment":"neutral","sentiment_score":0.1693148910999298}],"sentiment":"neutral","sentiment_score":0.1693148910999298,"channel":1,"num_words":1,"start":1718.9349,"end":1719.4349},{"sentences":[{"text":"I'll get Sammy to give you a call in the next sort of four three weeks so she can book you back in for another conversation, and we'll look at your five to ten year plan and look look at investing and building wealth in all those areas.","start":1719.39,"end":1730.8451,"sentiment":"neutral","sentiment_score":0.213338286926349},{"text":"And let's see what we can do to help you moving forward.","start":1731.305,"end":1733.725,"sentiment":"neutral","sentiment_score":0.2713399889568488},{"text":"Okay?","start":1733.785,"end":1734.285,"sentiment":"neutral","sentiment_score":0.21182265877723697}],"sentiment":"neutral","sentiment_score":0.22472361145449465,"channel":0,"num_words":61,"start":1719.39,"end":1734.285},{"sentences":[{"text":"Perfect.","start":1734.09,"end":1734.59,"sentiment":"positive","sentiment_score":0.4870604872703552}],"sentiment":"positive","sentiment_score":0.4870604872703552,"channel":1,"num_words":1,"start":1734.09,"end":1734.59},{"sentences":[{"text":"Izzy,","start":1735.7051,"end":1736.185,"sentiment":"neutral","sentiment_score":0.26459306478500366}],"sentiment":"neutral","sentiment_score":0.26459306478500366,"channel":0,"num_words":1,"start":1735.7051,"end":1736.185},{"sentences":[{"text":"Alright.","start":1735.9299,"end":1736.4299,"sentiment":"neutral","sentiment_score":0.1980905532836914}],"sentiment":"neutral","sentiment_score":0.1980905532836914,"channel":1,"num_words":1,"start":1735.9299,"end":1736.4299},{"sentences":[{"text":"do you have any questions?","start":1736.185,"end":1737.305,"sentiment":"neutral","sentiment_score":0.101780965924263},{"text":"Is there anything else that you might think of that I haven't touched on or I've missed?","start":1737.305,"end":1741.1901,"sentiment":"neutral","sentiment_score":0.058217385893358904},{"text":"Or","start":1741.1901,"end":1741.6901,"sentiment":"neutral","sentiment_score":-0.02241581305861473}],"sentiment":"neutral","sentiment_score":0.0641819381195566,"channel":0,"num_words":23,"start":1736.185,"end":1741.6901},{"sentences":[{"text":"No.","start":1742.1849,"end":1742.585,"sentiment":"neutral","sentiment_score":-0.0919535756111145},{"text":"Not at all.","start":1742.585,"end":1743.3049,"sentiment":"neutral","sentiment_score":-0.08472009251515071},{"text":"Not at all.","start":1743.3049,"end":1743.865,"sentiment":"neutral","sentiment_score":-0.0720032329360644},{"text":"I I think, you know yeah.","start":1743.865,"end":1744.985,"sentiment":"neutral","sentiment_score":-0.017958099643389385},{"text":"Look.","start":1744.985,"end":1745.225,"sentiment":"neutral","sentiment_score":0.008827103301882744}],"sentiment":"neutral","sentiment_score":-0.04721750332308667,"channel":1,"num_words":14,"start":1742.1849,"end":1745.225},{"sentences":[{"text":"I'm I'm a pretty basic guy.","start":1745.225,"end":1746.825,"sentiment":"neutral","sentiment_score":-0.009476987916665772},{"text":"So","start":1746.825,"end":1747.325,"sentiment":"neutral","sentiment_score":-0.030187416821718216}],"sentiment":"neutral","sentiment_score":-0.01243562061738755,"channel":1,"num_words":7,"start":1745.225,"end":1747.325},{"sentences":[{"text":"no?","start":1747.27,"end":1747.43,"sentiment":"neutral","sentiment_score":-0.0171783659607172},{"text":"No.","start":1747.43,"end":1747.93,"sentiment":"neutral","sentiment_score":0.008989676833152771}],"sentiment":"neutral","sentiment_score":-0.004094344563782215,"channel":0,"num_words":2,"start":1747.27,"end":1747.93},{"sentences":[{"text":"I just hear that we can we can put a plan together and,","start":1747.865,"end":1751.1,"sentiment":"neutral","sentiment_score":0.14509177695100123}],"sentiment":"neutral","sentiment_score":0.14509177695100123,"channel":1,"num_words":13,"start":1747.865,"end":1751.1},{"sentences":[{"text":"Absolutely.","start":1751.1901,"end":1751.6901,"sentiment":"neutral","sentiment_score":0.26700711250305176}],"sentiment":"neutral","sentiment_score":0.26700711250305176,"channel":0,"num_words":1,"start":1751.1901,"end":1751.6901},{"sentences":[{"text":"yeah, I'm all for it.","start":1751.24,"end":1752.52,"sentiment":"positive","sentiment_score":0.3396393060684204},{"text":"So","start":1752.52,"end":1753.02,"sentiment":"neutral","sentiment_score":0.3132093846797943}],"sentiment":"positive","sentiment_score":0.33523431917031604,"channel":1,"num_words":6,"start":1751.24,"end":1753.02},{"sentences":[{"text":"Beautiful.","start":1753.015,"end":1753.495,"sentiment":"positive","sentiment_score":0.39604586362838745}],"sentiment":"positive","sentiment_score":0.39604586362838745,"channel":0,"num_words":1,"start":1753.015,"end":1753.495},{"sentences":[{"text":"yeah.","start":1753.4,"end":1753.9,"sentiment":"neutral","sentiment_score":0.120868481695652}],"sentiment":"neutral","sentiment_score":0.120868481695652,"channel":1,"num_words":1,"start":1753.4,"end":1753.9},{"sentences":[{"text":"Let's find your Tom scenario.","start":1753.495,"end":1755.275,"sentiment":"neutral","sentiment_score":0.07771114185452462},{"text":"Let's find","start":1755.575,"end":1756.215,"sentiment":"neutral","sentiment_score":0.04396563582122326}],"sentiment":"neutral","sentiment_score":0.06806956870215279,"channel":0,"num_words":7,"start":1753.495,"end":1756.215},{"sentences":[{"text":"Yeah.","start":1756.04,"end":1756.54,"sentiment":"neutral","sentiment_score":0.0402139350771904}],"sentiment":"neutral","sentiment_score":0.0402139350771904,"channel":1,"num_words":1,"start":1756.04,"end":1756.54},{"sentences":[{"text":"Matthew's scenario.","start":1756.215,"end":1757.275,"sentiment":"neutral","sentiment_score":0.06848090700805187},{"text":"Yep.","start":1757.495,"end":1757.995,"sentiment":"neutral","sentiment_score":0.1004570722579956}],"sentiment":"neutral","sentiment_score":0.07913962875803311,"channel":0,"num_words":3,"start":1756.215,"end":1757.995},{"sentences":[{"text":"Yep.","start":1757.96,"end":1758.46,"sentiment":"neutral","sentiment_score":0.14899343252182007},{"text":"Perfect.","start":1758.92,"end":1759.42,"sentiment":"positive","sentiment_score":0.43845006823539734}],"sentiment":"neutral","sentiment_score":0.2937217503786087,"channel":1,"num_words":2,"start":1757.96,"end":1759.42},{"sentences":[{"text":"Beautiful.","start":1760.295,"end":1760.795,"sentiment":"positive","sentiment_score":0.42651891708374023},{"text":"Well, look.","start":1760.935,"end":1761.415,"sentiment":"neutral","sentiment_score":0.208875834941864},{"text":"That's everything I needed to go through.","start":1761.415,"end":1763.175,"sentiment":"neutral","sentiment_score":0.23292519577911922},{"text":"If anything comes up question wise, let us know.","start":1763.175,"end":1765.495,"sentiment":"neutral","sentiment_score":0.18892888062530094},{"text":"You don't have to wait till the next appointment.","start":1765.495,"end":1767.495,"sentiment":"neutral","sentiment_score":0.1599378205007977}],"sentiment":"neutral","sentiment_score":0.20051954526986396,"channel":0,"num_words":28,"start":1760.295,"end":1767.495},{"sentences":[{"text":"Let Sammy or myself know.","start":1767.495,"end":1769.13,"sentiment":"neutral","sentiment_score":0.1359132155776024},{"text":"If","start":1769.35,"end":1769.59,"sentiment":"neutral","sentiment_score":0.06855005770921707}],"sentiment":"neutral","sentiment_score":0.12468602259953816,"channel":0,"num_words":6,"start":1767.495,"end":1769.59},{"sentences":[{"text":"Sure.","start":1769.415,"end":1769.915,"sentiment":"neutral","sentiment_score":0.03280465304851532}],"sentiment":"neutral","sentiment_score":0.03280465304851532,"channel":1,"num_words":1,"start":1769.415,"end":1769.915},{"sentences":[{"text":"you're happy to sign those documents, we'll get you to sign and return those back at your most available opportunity","start":1769.59,"end":1774.65,"sentiment":"positive","sentiment_score":0.39739353507757186}],"sentiment":"positive","sentiment_score":0.39739353507757186,"channel":0,"num_words":20,"start":1769.59,"end":1774.65},{"sentences":[{"text":"Oh, I've just done","start":1774.65,"end":1775.37,"sentiment":"neutral","sentiment_score":0.2174219787120819}],"sentiment":"neutral","sentiment_score":0.2174219787120819,"channel":1,"num_words":4,"start":1774.65,"end":1775.37},{"sentences":[{"text":"and","start":1775.27,"end":1775.51,"sentiment":"neutral","sentiment_score":0.23347775638103485}],"sentiment":"neutral","sentiment_score":0.23347775638103485,"channel":0,"num_words":1,"start":1775.27,"end":1775.51},{"sentences":[{"text":"it.","start":1775.37,"end":1775.6101,"sentiment":"neutral","sentiment_score":0.21300089359283447}],"sentiment":"neutral","sentiment_score":0.21300089359283447,"channel":1,"num_words":1,"start":1775.37,"end":1775.6101},{"sentences":[{"text":"send","start":1775.51,"end":1776.01,"sentiment":"neutral","sentiment_score":0.06039334088563919}],"sentiment":"neutral","sentiment_score":0.06039334088563919,"channel":0,"num_words":1,"start":1775.51,"end":1776.01},{"sentences":[{"text":"Yeah.","start":1775.6101,"end":1775.8501,"sentiment":"neutral","sentiment_score":0.15759649872779846},{"text":"That's done.","start":1775.8501,"end":1776.67,"sentiment":"neutral","sentiment_score":0.2652934342622757}],"sentiment":"neutral","sentiment_score":0.2293944557507833,"channel":1,"num_words":3,"start":1775.6101,"end":1776.67},{"sentences":[{"text":"oh, you're the legend.","start":1776.55,"end":1777.93,"sentiment":"positive","sentiment_score":0.3740719333291054},{"text":"And they'll get send me to book you back in.","start":1778.07,"end":1779.91,"sentiment":"neutral","sentiment_score":0.2431750014424324},{"text":"She'll give you a call in three weeks to book you back in for the month so we can really knock out what you need, what you're after, and really do some financial advice and give you give you your little scenario, your math year scenario, and your passport over the next five to ten years.","start":1779.91,"end":1794.845,"sentiment":"neutral","sentiment_score":0.3066648721162762},{"text":"Okay.","start":1794.9049,"end":1795.4049,"sentiment":"positive","sentiment_score":0.3952792286872864}],"sentiment":"neutral","sentiment_score":0.302768307252669,"channel":0,"num_words":71,"start":1776.55,"end":1795.4049},{"sentences":[{"text":"Perfect.","start":1795.1449,"end":1795.6449,"sentiment":"positive","sentiment_score":0.777502179145813},{"text":"Sounds awesome.","start":1795.865,"end":1796.6849,"sentiment":"positive","sentiment_score":0.8468691110610962}],"sentiment":"positive","sentiment_score":0.8237468004226685,"channel":1,"num_words":3,"start":1795.1449,"end":1796.6849},{"sentences":[{"text":"Easy.","start":1797.4,"end":1797.8,"sentiment":"positive","sentiment_score":0.7575728893280029},{"text":"Thank you so much for your time.","start":1797.8,"end":1799.4,"sentiment":"positive","sentiment_score":0.8061103991099766},{"text":"I really appreciate it.","start":1799.4,"end":1801.02,"sentiment":"positive","sentiment_score":0.7479178309440613}],"sentiment":"positive","sentiment_score":0.7826680839061737,"channel":0,"num_words":12,"start":1797.4,"end":1801.02},{"sentences":[{"text":"No.","start":1801.1,"end":1801.26,"sentiment":"neutral","sentiment_score":0.06407123804092407},{"text":"Thank you for your time, Dana.","start":1801.26,"end":1802.8,"sentiment":"positive","sentiment_score":0.36037233968575794},{"text":"It's","start":1802.9401,"end":1803.26,"sentiment":"neutral","sentiment_score":0.1369742602109909}],"sentiment":"neutral","sentiment_score":0.29540994204580784,"channel":1,"num_words":8,"start":1801.1,"end":1803.26},{"sentences":[{"text":"No","start":1803.2401,"end":1803.4801,"sentiment":"neutral","sentiment_score":0.009958580136299132}],"sentiment":"neutral","sentiment_score":0.009958580136299132,"channel":0,"num_words":1,"start":1803.2401,"end":1803.4801},{"sentences":[{"text":"it's good","start":1803.26,"end":1803.66,"sentiment":"neutral","sentiment_score":0.018442995846271515}],"sentiment":"neutral","sentiment_score":0.018442995846271515,"channel":1,"num_words":2,"start":1803.26,"end":1803.66},{"sentences":[{"text":"worries.","start":1803.4801,"end":1803.9801,"sentiment":"neutral","sentiment_score":0.06099715828895569}],"sentiment":"neutral","sentiment_score":0.06099715828895569,"channel":0,"num_words":1,"start":1803.4801,"end":1803.9801},{"sentences":[{"text":"to chat with you again.","start":1803.66,"end":1804.78,"sentiment":"neutral","sentiment_score":0.19501342624425888},{"text":"And, yeah,","start":1804.78,"end":1805.52,"sentiment":"neutral","sentiment_score":0.03565655276179314}],"sentiment":"neutral","sentiment_score":0.14948289096355438,"channel":1,"num_words":7,"start":1803.66,"end":1805.52},{"sentences":[{"text":"Yeah.","start":1805.56,"end":1806.06,"sentiment":"neutral","sentiment_score":-0.025367921218276024}],"sentiment":"neutral","sentiment_score":-0.025367921218276024,"channel":0,"num_words":1,"start":1805.56,"end":1806.06},{"sentences":[{"text":"we'll not have that in a few weeks.","start":1807.1,"end":1808.72,"sentiment":"neutral","sentiment_score":-0.12200235156342387}],"sentiment":"neutral","sentiment_score":-0.12200235156342387,"channel":1,"num_words":8,"start":1807.1,"end":1808.72},{"sentences":[{"text":"Absolutely.","start":1809.575,"end":1809.8949,"sentiment":"positive","sentiment_score":0.5835241079330444},{"text":"You have a lovely afternoon.","start":1809.8949,"end":1811.355,"sentiment":"positive","sentiment_score":0.7469746947288514},{"text":"I hope everything goes well over the next few weeks for you with the settlement, and, yeah, looking forward to catching up.","start":1811.4149,"end":1816.475,"sentiment":"positive","sentiment_score":0.6140750064091249}],"sentiment":"positive","sentiment_score":0.6367159900920731,"channel":0,"num_words":28,"start":1809.575,"end":1816.475},{"sentences":[{"text":"No worries.","start":1816.4329,"end":1816.8329,"sentiment":"neutral","sentiment_score":0.23474643379449844},{"text":"You too.","start":1816.8329,"end":1817.393,"sentiment":"neutral","sentiment_score":0.25319162011146545},{"text":"Talk to Dana.","start":1817.393,"end":1818.3729,"sentiment":"neutral","sentiment_score":0.2031176338593165}],"sentiment":"neutral","sentiment_score":0.22646128705569676,"channel":1,"num_words":7,"start":1816.4329,"end":1818.3729},{"sentences":[{"text":"Thank you.","start":1818.695,"end":1819.255,"sentiment":"positive","sentiment_score":0.5128696262836456},{"text":"Talk soon.","start":1819.255,"end":1819.815,"sentiment":"neutral","sentiment_score":0.2894221544265747}],"sentiment":"positive","sentiment_score":0.40114589035511017,"channel":0,"num_words":4,"start":1818.695,"end":1819.815},{"sentences":[{"text":"Okay.","start":1819.5529,"end":1820.0529,"sentiment":"neutral","sentiment_score":0.21099668741226196}],"sentiment":"neutral","sentiment_score":0.21099668741226196,"channel":1,"num_words":1,"start":1819.5529,"end":1820.0529},{"sentences":[{"text":"See you later.","start":1819.815,"end":1820.635,"sentiment":"neutral","sentiment_score":0.23472855488459268}],"sentiment":"neutral","sentiment_score":0.23472855488459268,"channel":0,"num_words":3,"start":1819.815,"end":1820.635},{"sentences":[{"text":"Bye.","start":1820.7529,"end":1821.2529,"sentiment":"neutral","sentiment_score":0.1562432050704956}],"sentiment":"neutral","sentiment_score":0.1562432050704956,"channel":1,"num_words":1,"start":1820.7529,"end":1821.2529},{"sentences":[{"text":"Bye.","start":1820.855,"end":1821.355,"sentiment":"neutral","sentiment_score":-0.10202261805534364}],"sentiment":"neutral","sentiment_score":-0.10202261805534364,"channel":0,"num_words":1,"start":1820.855,"end":1821.355}]},"summary":{"result":"success","short":"The speakers discuss insurance beneficiaries and CBD products, emphasizing the importance of financial advice for certain insurance beneficiaries and life insurance. They offer to book follow-up conversations and provide payment options. The speakers also discuss retirement plans, estate planning, and the importance of trusting legal advisers in handling money and death claims. They offer to provide general information and information about a local solicitor and discuss ongoing services and fees with a financial adviser. The agents promise to call the customers back in a few weeks to discuss financial advice and retirement plans."},"intents":{"segments":[{"text":"One thing I do like to make sure I'll mention to people is if you claim TBD and you are under the age of 60, there are tax consequences. I wholeheartedly disagree with this. But, unfortunately, there is a tax of up to 22% paid on PPD if Wow.","start_word":304,"end_word":352,"intents":[{"intent":"Explain tax consequences","confidence_score":0.17649792},{"intent":"Explain tax consequences","confidence_score":0.16261943},{"intent":"Explain tax implications","confidence_score":0.08631059},{"intent":"Request clarification","confidence_score":0.0014532253},{"intent":"Explain tax consequences","confidence_score":0.1052912}]},{"text":"So there is a fun little math equation that got that the super funds all go through when they are paying out to sort of show how much tax would be covered. It could definitely be less than 22%.","start_word":414,"end_word":452,"intents":[{"intent":"Explain super funds calculations","confidence_score":0.0021947213}]},{"text":"assured as much as that's not a great aspect of TBD, we will provide financial advice in that instance if you did have to claim to sorta help you along. Okay?","start_word":533,"end_word":563,"intents":[{"intent":"Provide financial advice","confidence_score":0.5003857}]},{"text":"So your current cover is 730,958.","start_word":579,"end_word":584,"intents":[{"intent":"Clarify current coverage","confidence_score":0.013838039}]},{"text":"I think that's okay. That's okay. Yeah. Yep. Beautiful.","start_word":621,"end_word":629,"intents":[{"intent":"Confirm understanding","confidence_score":0.006445607}]},{"text":"The current monthly benefit pretax is 6,188. Your income I have here is about 127,000 plus a car. Is that right? Yes.","start_word":640,"end_word":661,"intents":[{"intent":"Clarify monthly benefit amount","confidence_score":0.0035094281}]},{"text":"So if we have a look with income protection, you can be covered for up to 70% of your income.","start_word":665,"end_word":684,"intents":[{"intent":"Discuss income coverage and discuss monthly benefit","confidence_score":0.00003472935}]},{"text":"any serious thought into that, and I just, yeah, I just gonna leave it alone and for the time being. Like, when when we talk soon and things start getting back to where they should, then I'll make some considerations for that sort of stuff. But, Yeah.","start_word":823,"end_word":869,"intents":[{"intent":"Make considerations","confidence_score":0.064873256}]},{"text":"Not a problem at all. And because we are gonna meet in a couple of weeks, you've kind of got this context here. So if something comes up and you go, hey. Maybe I do wanna reassess or maybe, you know, what this scenario, you can always bring those up with me again. We have that secondary conversation to really, knock down, and we can always reassess it at any point.","start_word":878,"end_word":948,"intents":[{"intent":"Reassess scenario","confidence_score":0.010610125}]},{"text":"We'll book you in and make sure we have those conversations with you as well. Okay? Okay.","start_word":979,"end_word":995,"intents":[{"intent":"Book in discussions","confidence_score":0.0006343344}]},{"text":"And because you do have children, you can also get child trauma policies as well. These sort of policies are paid out of your back pocket, so probably not preferable now with all the changes going on. But, essentially, trauma and child trauma tend to pay out a lump sum tax free benefits in the event that you or your kids are diagnosed as major traumatic events.","start_word":1019,"end_word":1085,"intents":[{"intent":"Outcome trauma and trauma policies","confidence_score":8.40864e-7}]},{"text":"But the problem with trauma and child trauma is you have to pay for it out of your back pocket. So it does depend upon your current cash flow, living expenses, and how everything's going for yourself as to whether you can afford to cover that cost. Whereas, yeah, whereas life and income protection, you can hold inside super and pay out of your super side of things. So there is just that to sort of make sure that you're aware of as well.","start_word":1141,"end_word":1224,"intents":[{"intent":"Recommend insurance coverage","confidence_score":0.0008242186}]},{"text":"Just looking at goal wise with your super, I mean, I know we're gonna look at sort of the next five to ten years and look at investing outside of super and all the other aspects there for you.","start_word":1352,"end_word":1390,"intents":[{"intent":"Consider investing outside of super","confidence_score":0.00083599926}]},{"text":"What's your thoughts with your super goal?","start_word":1423,"end_word":1429,"intents":[{"intent":"Assess super goals","confidence_score":0.003962859}]},{"text":"I can look at whether we put money into super now and kinda build up to two fifty then stop salary sacrificing and, you know, put money into an investment outside and what that projection looks like or whether we do it simultaneously.","start_word":1736,"end_word":1778,"intents":[{"intent":"Analyze money management","confidence_score":0.00010947392}]},{"text":"you know, the funds you put aside for the daily and, you you know, just your regular bills and things like that and groceries, yeah, I think I'm comfortably doing something with $400 a week, whether Yeah.","start_word":2077,"end_word":2113,"intents":[{"intent":"Evaluate financial situation","confidence_score":0.042811222}]},{"text":"We've already pumped, you know, a whole bunch of money into it just to, you Yeah. know, to cover repayments and stuff. Yep.","start_word":2517,"end_word":2539,"intents":[{"intent":"Define payment plan","confidence_score":0.0011366874}]},{"text":"Estate planning sides of things as well, because you are kinda going through this change and you do have kids, have you thought about drafting up a will with a solicitor?","start_word":2758,"end_word":2788,"intents":[{"intent":"Review estate planning","confidence_score":0.00086310855}]},{"text":"And then through your will, you can have things like trust set up for testamentary trust, where you allocate what percentage of your assets go to what child, how you want that set up, who the guardian is that's gonna control the money for the kids.","start_word":3167,"end_word":3212,"intents":[{"intent":"Discuss and discuss trust arrangements","confidence_score":0.000008533625}]},{"text":"And it also comes down to, you know, what's the relationship between you and Emily like, and what do you think she's likely to do?","start_word":3453,"end_word":3477,"intents":[{"intent":"Discuss relationship between emily and emily","confidence_score":0.0726203}]},{"text":"Is she likely to do the right thing or, you know, how how does she handle money and just No. sort of She having was us think she about she what she you want was to happen?","start_word":3478,"end_word":3514,"intents":[{"intent":"Express concern about her actions","confidence_score":0.000066993525}]},{"text":"feeding the kids' accounts since they were born. So, Beautiful.","start_word":3544,"end_word":3553,"intents":[{"intent":"Share information about child's role","confidence_score":0.000022019589}]},{"text":"full full trusting her to do, you know, what what Excellent.","start_word":3570,"end_word":3580,"intents":[{"intent":"Share trust for emily","confidence_score":0.0021189575}]},{"text":"full full trusting her to do, you know, what what Excellent. she'd need to The do. right thing. Yeah.","start_word":3570,"end_word":3588,"intents":[{"intent":"Mention need to be trusting someone","confidence_score":1.211039e-9}]},{"text":"It's sort of one thing I have come across as an adviser over the years is that not everyone knows that people have a financial adviser or where their suit is located or their life insurances.","start_word":3669,"end_word":3704,"intents":[{"intent":"Inquire about her family's knowledge of financial adviser's call","confidence_score":4.461461e-12},{"intent":"Explain financial adviser's role","confidence_score":0.0036068158}]},{"text":"They weren't aware of how to get access to it, and they had a bit of a struggle time.","start_word":3768,"end_word":3786,"intents":[{"intent":"Explain difficulty accessing funds","confidence_score":0.0066326195}]},{"text":"So I always do think it's worth just making sure somebody in your family that you trust knows, whether it's your beneficiaries or your ex wife, that they know to in the event of you passing, they just have to call us, and we facilitate the claim with them.","start_word":3788,"end_word":3836,"intents":[{"intent":"Help beneficiaries and facilitate claim","confidence_score":0.00014678537}]},{"text":"are very security conscious, so they can't just call up willy nilly and ask for information. Essentially, we have to be able to be provided with your will and a death certificate to be able to assist, and we will only be able to speak to the executor.","start_word":3838,"end_word":3885,"intents":[{"intent":"Provide security information","confidence_score":0.01569975}]},{"text":"Okay.","start_word":3962,"end_word":3962,"intents":[{"intent":"Provide assistance and information for estate planning","confidence_score":0.0000025024058}]},{"text":"If you like, what I can do is I can send you through a bit of a general information just on a local solicitor with a bit of a costing if you like, just on how much they charge to do up a will and a power of attorney just to give you something to think about.","start_word":4090,"end_word":4146,"intents":[{"intent":"Provide costing information on solicitors and power of attorney options","confidence_score":0.00027729056}]},{"text":"I'll get Sammy to give you a call and book you in so we can kinda have a bit more of a conversation around your goals and what we're looking for advice wise both inside and outside super.","start_word":4248,"end_word":4285,"intents":[{"intent":"Book a call with sammy","confidence_score":0.0006732289}]},{"text":"Am I missing anything goal wise or with any of this? Is there anything else that you kind of wanted me to incorporate? Yeah.","start_word":4379,"end_word":4402,"intents":[{"intent":"Include goals in your conversation","confidence_score":0.0002688475}]},{"text":"Am I missing anything goal wise or with any of this? Is there anything else that you kind of wanted me to incorporate? Yeah. Or No.","start_word":4379,"end_word":4404,"intents":[{"intent":"Discuss goals and look at wills","confidence_score":0.004289506}]},{"text":"I feel like it is good to just let you go through this settlement process first, work out where things are up to once you go through that, look at Yep. what your expendable cash is, look at what your income looks like, what your circumstances then also look like. That way, the advice we do provide is accurate and in your best interest. Otherwise, Yes.","start_word":4448,"end_word":4513,"intents":[{"intent":"Work out settlement process and provide advice","confidence_score":0.0016008948}]},{"text":"doing that now and then having things change in four weeks means we have to go back and reevaluate the advice if it's no longer in your best interest.","start_word":4515,"end_word":4543,"intents":[{"intent":"Evaluate advice","confidence_score":0.15049562}]},{"text":"So I definitely think this is the best course of action, but I'm really looking forward to putting this together for you and running the projections and seeing what we can come up with. So I'm very excited.","start_word":4592,"end_word":4629,"intents":[{"intent":"Run projections","confidence_score":0.22926137}]},{"text":"I've confirmed that your insurance is all good. There's no changes there. But in the next sort of couple of weeks, if you do think about anything that comes up or you wanna reassess them or you feel like the levels of cover aren't accurate, just sort of note down some questions, and we can always go through those again when we speak in about four weeks there. Yep.","start_word":4638,"end_word":4706,"intents":[{"intent":"Confirm insurance coverage","confidence_score":0.19786681}]},{"text":"Is there any other goals or anything else that sort of come to mind over the next one year, two years, five years that you think we might need to maybe factor in? Not really.","start_word":4707,"end_word":4741,"intents":[{"intent":"Plan for future","confidence_score":0.027249258}]},{"text":"Is there any other goals or anything else that sort of come to mind over the next one year, two years, five years that you think we might need to maybe factor in? Not really. I think, you know, cash flow is a big one for me. Like, Yep. it's just cash flow and and a long term plan, you know, a long term plan. I just wanna yeah.","start_word":4707,"end_word":4775,"intents":[{"intent":"Include expenses in plan","confidence_score":0.000006129613}]},{"text":"I know how to budget and do what I need to do, but Yeah. I want I just wanna be go out of the best way, the best possible Yeah. way.","start_word":4833,"end_word":4863,"intents":[{"intent":"Budget and education","confidence_score":0.00011307675}]},{"text":"And, you know, looking forward, we sort of got some maybe some new numbers to play with, but we'll Yep. just see how that goes. You know?","start_word":4903,"end_word":4929,"intents":[{"intent":"Discuss number changes","confidence_score":0.0074579236}]},{"text":"when that when that change happens anyway, if it happens to happen after, then That's it. we just That's fine. implement We it can when factor it happens. in. And Yeah.","start_word":4933,"end_word":4963,"intents":[{"intent":"Implement change","confidence_score":0.29498878}]},{"text":"Well, the only other thing to let you know is when we do come back, I'll kinda go through things in a bit more detail with you. But that ongoing service agreement you do have in the email there is just letting you know you do pay an ongoing service fee for our services looking after your super. It is 1.65% per annum, and then Yeah.","start_word":4979,"end_word":5044,"intents":[{"intent":"Discuss fees","confidence_score":0.02758931}]},{"text":"I'll be able to, as part of the advice, show you what the fee structure looks like and show you what the expected fees are as part of the advice, and then you can let me know whether you're comfortable with doing that or not. But does that make sense, and do you have any questions about the fee structure currently?","start_word":5130,"end_word":5190,"intents":[{"intent":"Discuss fee structure","confidence_score":0.41297522}]},{"text":"I'm happy to meet however you would like to. What would you prefer?","start_word":5274,"end_word":5286,"intents":[{"intent":"Schedule meeting","confidence_score":0.20170757}]},{"text":"Any other day, if you wanna make a day of it, morning or afternoon, Okay.","start_word":5607,"end_word":5621,"intents":[{"intent":"Schedule meeting","confidence_score":0.25989285}]}]},"sentiments":{"segments":[{"text":"Dana? Yeah. Matt, are you I'm there? so sorry. I, like, bumped my earbud and hung up on you. Oh, My apologies. that's okay. No. You're right. I thought it was me. I was like, oh my god.","start_word":0,"end_word":37,"sentiment":"neutral","sentiment_score":-0.2117107659578323},{"text":"I lost you.","start_word":38,"end_word":40,"sentiment":"negative","sentiment_score":-0.4199874997138977},{"text":"I'm so sorry. No. That's okay with All good. So now I got here that you've got one son, which is 21 year old, and the other two kids are 18. They're financial dependent. me. Yes. Yep.","start_word":41,"end_word":77,"sentiment":"neutral","sentiment_score":0.00839719083160162},{"text":"Beautiful. Lovely. So happy to keep your beneficiary as it is noted there.","start_word":78,"end_word":90,"sentiment":"positive","sentiment_score":0.6829500198364258},{"text":"Yeah. That's right. Who's Yep. that's just the kids. Right? That that's it? It is. Yeah. Yep. Just the three kids. Yeah. Yeah. That's it. Yeah.","start_word":91,"end_word":116,"sentiment":"neutral","sentiment_score":0.10747785121202467},{"text":"Perfect. Beautiful.","start_word":117,"end_word":118,"sentiment":"positive","sentiment_score":0.5909491181373596},{"text":"I will just double check the MetLife beneficiary as well. Just looking to see if I have that here on record just to make sure. But are you wanting your in your life insurance to be structured the same way beneficiary wise? Yeah. Yeah. Who's Yep. that going through? Is that I'm just quickly having a look. So insurance beneficiary, I do have the same. So I've got Alexander to get 32%, Jordan to get 36, and Sophie for 32%. So it is yep. structured the same way. Yeah. That's fine.","start_word":119,"end_word":209,"sentiment":"neutral","sentiment_score":0.12202103435993196},{"text":"Perfect.","start_word":210,"end_word":210,"sentiment":"positive","sentiment_score":0.5985866785049438},{"text":"Just to make sure that is all paid out as per your wishes. If something was to happen, I'm touching all the wood to make sure that we don't jinx you in any way, shape, or form. Yeah. No.","start_word":211,"end_word":249,"sentiment":"neutral","sentiment_score":0.10837893187999724},{"text":"Excellent.","start_word":250,"end_word":250,"sentiment":"positive","sentiment_score":0.3494388163089752},{"text":"Now you've also got the TBD cover there. So TBD pays out either a lump sum benefit or an Sure. income stream in the event that you're unable to ever go back to work again due to permanent incapacity. And if you are TBD, we can also claim TBD on your sofa. One thing I do like to make sure I'll mention to people is if you claim TBD and you are under the age of 60, there are tax consequences. I wholeheartedly disagree with this. But, unfortunately, there is a tax of up to 22% paid on PPD if Wow. you do withdraw the full amount and you're under 60.","start_word":251,"end_word":361,"sentiment":"neutral","sentiment_score":-0.007680548069713352},{"text":"I know it's horrible. I disagree with that in every way, shape, or form.","start_word":362,"end_word":375,"sentiment":"negative","sentiment_score":-0.41112276911735535},{"text":"I think the last thing you should be taxed if you're disabled is on your your TBD benefit and your super side of things. With with that, I do also like to point out it's up to 22%. So there is a fun little math equation that got that the super funds all go through when they are paying out to sort of show how much tax would be covered. It could definitely be less than 22%. As as advisers, if you do happen to claim on TPD, we will help you with the claim, but then we will also provide financial advice to show you how to consequences and how to use the funds. So as it pays out what you need to, but so it also stays invested work for you, whether it's drawing an income stream on a regular basis or, you know, drawing certain lump sums every so often. So Go. rest Okay. assured as much as that's not a great aspect of TBD, we will provide financial advice in that instance if you did have to claim to sorta help you along. Okay? Okay. Okay. Yep. Perfect. Now with the TBD, you do have a little bit less. So your current cover is 730,958. And, again, you've got your 162,000 of super, which can be claimed as well. Do you feel like that's a fairly comfortable amount for CBD? Did you wanna kinda look at altering that at all? No. I think that's okay. That's okay. Yeah. Yep.","start_word":376,"end_word":628,"sentiment":"neutral","sentiment_score":0.03351837769150734},{"text":"Beautiful.","start_word":629,"end_word":629,"sentiment":"positive","sentiment_score":0.4384537935256958},{"text":"And then you've got your income protection benefit as well. The current monthly benefit pretax is 6,188. Your income I have here is about 127,000 plus a car. Is that right? Yes. Yeah.","start_word":630,"end_word":662,"sentiment":"neutral","sentiment_score":0.14258578419685364},{"text":"Beautiful.","start_word":663,"end_word":663,"sentiment":"positive","sentiment_score":0.4472893178462982},{"text":"So if we have a look with income protection, you can be covered for up to 70% of your income. Just having a look at what that looks like. So to be covered for 70% of your current income based at the 127,500, it does mean that we would need to have, sorry, just quickly doing some math for you, a monthly benefit of 7,437 and 50<unk>. So you are just slightly underinsured there. Given your current circumstances that you are selling the house with everything going on, do you feel like the monthly benefit of 6,188 pretax would be sufficient for you, or did you wanna look at maybe increasing your income protection for that little bit of extra peace of mind? Sorry. That's okay. No. I don't think so. Not at the moment. I just Yeah. yeah. I just wanna leave it. Well, for I the can. time being, anyway, I Yeah. just haven't That's put okay. any serious thought into that, and I just, yeah, I just gonna leave it alone and for the time being. Like, when when we talk soon and things start getting back to where they should, then I'll make some considerations for that sort of stuff. But, Yeah.","start_word":664,"end_word":871,"sentiment":"neutral","sentiment_score":0.03866416588425636},{"text":"Absolutely. yeah, it's all good for now.","start_word":871,"end_word":878,"sentiment":"positive","sentiment_score":0.47363030910491943},{"text":"No. Not a problem at all. And because we are gonna meet in a couple of weeks, you've kind of got this context here. So if something comes up and you go, hey. Maybe I do wanna reassess or maybe, you know, what this scenario, you can always bring those up with me again. We have that secondary conversation to really, knock down, and we can always reassess it at any point. You don't have to wait to end your review time. If something ever comes up, that you wanted us to discuss or look at, you're welcome to let us know. We'll book you in and make sure we have those conversations with you as well. Okay? Okay.","start_word":878,"end_word":997,"sentiment":"neutral","sentiment_score":0.1772526353597641},{"text":"Perfect. Beautiful. Lovely.","start_word":997,"end_word":1000,"sentiment":"positive","sentiment_score":0.6549133062362671},{"text":"Now just so you are aware, there are other types of insurances that you can hold, things like trauma. And because you do have children, you can also get child trauma policies as well. These sort of policies are paid out of your back pocket, so probably not preferable now with all the changes going on. But, essentially, trauma and child trauma tend to pay out a lump sum tax free benefits in the event that you or your kids are diagnosed as major traumatic events. Some of the bigger ones that are considered are like cancer. For trauma, it also covers things like heart attacks, strokes, Parkinson's, or other neurological conditions. So they are major conditions, that they that you can claim on, and these are the policies can be fairly cheap depending on how much you wanna be covered for.","start_word":1000,"end_word":1140,"sentiment":"neutral","sentiment_score":-0.009257198773747217},{"text":"But the problem with trauma and child trauma is you have to pay for it out of your back pocket.","start_word":1141,"end_word":1160,"sentiment":"negative","sentiment_score":-0.3635997474193573},{"text":"So it does depend upon your current cash flow, living expenses, and how everything's going for yourself as to whether you can afford to cover that cost. Whereas, yeah, whereas life and income protection, you can hold inside super and pay out of your super side of things. So there is just that to sort of make sure that you're aware of as well. Yeah. Yeah. Are you I had wanting? I had trauma at Yeah. first, and and then I just okay. It kept coming out. I'm like, you know, when you just feel like there's no need. Yeah. So Yeah. and and since then, I mean, it's been a couple of years now that there's been no trauma. I'm not saying there isn't gonna be trauma, but so far so good. So, yeah, I'll be just I'll I'll leave that alone again for Yeah. the time Yeah. being just until, yeah, things balance out. No. That's absolutely fine.","start_word":1161,"end_word":1320,"sentiment":"neutral","sentiment_score":-0.07682552933692932},{"text":"That's not a problem at all. Easy done. So that's essentially looking at your super and the insurance side of things. It's good to see things are working there for you. Just looking at goal wise with your super, I mean, I know we're gonna look at sort of the next five to ten years and look at investing outside of super and all the other aspects there for you.","start_word":1321,"end_word":1390,"sentiment":"positive","sentiment_score":0.40953579545021057},{"text":"But are you sort of hoping to, at the age of 60, maybe be able to start working and access your super, so try to access super at the earliest possible opportunity. What's your thoughts with your super goal? Yeah. 100%. I mean, if I can do Yeah. that, great. I mean, any any any chance to stop working early, I would tag. Yeah.","start_word":1391,"end_word":1454,"sentiment":"neutral","sentiment_score":0.16571573913097382},{"text":"Beautiful.","start_word":1455,"end_word":1455,"sentiment":"positive","sentiment_score":0.5822077393531799},{"text":"But I feel like maybe I don't know. I wouldn't say too little, too late, but I'll probably just be stepping back a little bit when I get to that age as opposed to stopping completely. So Yeah. Yeah. I don't know. I guess we'll just see how things go over that next ten years. But look, any chance I I could get to get out of, you know, the daily grind, I would take it. You Yeah. know? Absolutely. No. Perfect.","start_word":1456,"end_word":1537,"sentiment":"neutral","sentiment_score":-0.009790870361030102},{"text":"Well, what I'll do for your super side of things, I'll work on a goal of 60.","start_word":1538,"end_word":1554,"sentiment":"positive","sentiment_score":0.3353163003921509},{"text":"That essentially means we're tracking for the earliest possible retirement with your super side, and then essentially gives you the option to continue working if you want to, or you can stop working if you choose to as well. Okay? What do you think about, like, if if I forget the super to two fifty k, basically, as quick as possible to let that run then as as, you know, as you mentioned earlier, and then Yeah. to flip the focus onto something or maybe doing both at the same time, like, you know, investing extra cash into the super to get it where it needs to be quicker. Yep. And then, yeah, and then with one of your ideas outside of super, you know, to do maybe do that at the same time or after. I don't know. Yeah. That's sort of Yeah. where my head's going at the minute. Yeah. Absolutely. And what we'll do is once I've got an idea of your goals and we have that second conversation, I can run all those scenarios for you. I can look at whether we put money into super now and kinda build up to two fifty then stop salary sacrificing and, you know, put money into an investment outside and what that projection looks like or whether we do it simultaneously. I will run all those projections to come up with the advice for you. That's my job to make sure I look at all the different options and scenarios and work out the best one. And then I'll let you know what I'm recommending, why I'm recommending that the advantages, disadvantages, and the risks. And I also put alternatives into the appendix for you as well so you can see other things that we may have considered and why we went with the option we did. Okay. But, yeah, though those sorts of scenarios are absolutely worth looking at.","start_word":1555,"end_word":1876,"sentiment":"neutral","sentiment_score":0.1752593489537328},{"text":"Yes. Definitely.","start_word":1877,"end_word":1878,"sentiment":"positive","sentiment_score":0.4706480205059051},{"text":"It also comes down to what your expendable income looks like, what you have available to you, and what you're comfortable investing as well without, you know, eating too much away the cash flow because you do have kids, and the cost of living is definitely not cheap. It's expensive. No. It's not. Okay. Yeah. But no. Those are the things that are definitely worth looking at.","start_word":1879,"end_word":1945,"sentiment":"neutral","sentiment_score":0.07606484740972519},{"text":"Absolutely. Yeah. Perfect.","start_word":1946,"end_word":1948,"sentiment":"positive","sentiment_score":0.5228968858718872},{"text":"Okay. Now at the moment, I know we will sort of update these things down the track, but at the moment, are you finding you are managing to save anything at all at the end of the week, or is everything kinda going into the property whilst you are going through that settlement phase?","start_word":1949,"end_word":2002,"sentiment":"neutral","sentiment_score":0.10302676260471344},{"text":"So I think I like, I should be pretty comfy putting away $400 a week Yeah.","start_word":2003,"end_word":2018,"sentiment":"positive","sentiment_score":0.3773545324802398},{"text":"and then still having a little bit to play with. But, like because I'm paying $6.50 in rent. I pay $3.50 towards maintenance a week, and it's just a massive Yeah. killer. I'm like, oh, yeah. Yeah. And Yeah. then I've got so I've got about $7,800 left over each week. And when you think about, Yeah. you know, the funds you put aside for the daily and, you you know, just your regular bills and things like that and groceries, yeah, I think I'm comfortably doing something with $400 a week, whether Yeah. it go into Yeah. savings or whether it go you know?","start_word":2019,"end_word":2123,"sentiment":"neutral","sentiment_score":0.09732821392161506},{"text":"It's it's annual review time too, so we've had a pretty solid year. I'm expecting something good to come from that over the sort Fantastic.","start_word":2124,"end_word":2148,"sentiment":"positive","sentiment_score":0.5933175086975098},{"text":"of next couple of months, which is which would Yep.","start_word":2149,"end_word":2158,"sentiment":"neutral","sentiment_score":0.2362081408500671},{"text":"be nice.","start_word":2159,"end_word":2160,"sentiment":"positive","sentiment_score":0.4213800132274628},{"text":"Yep. Yeah. But right now yeah.","start_word":2161,"end_word":2166,"sentiment":"neutral","sentiment_score":0.108829103410244},{"text":"Once Beautiful.","start_word":2167,"end_word":2168,"sentiment":"positive","sentiment_score":0.3577814996242523},{"text":"while this house thing is happening, everything is going into it. And, Yeah. yeah, I I sorta walked away from where I was with a bit I don't know. $10.15 grand and, you know, sort of setting myself up and then just trying to keep this, you know, making these house payments, which is, like, 2 and a half Yeah. grand a month. It's Yeah. just knocked me down a few pegs. So right Yeah. now, yeah, the savings are null and void. But, Yeah. yeah, it's, you know yeah. Greenier past greeny pastures are coming. You know? Absolutely. There is an there is an end in sight for you with regard to it. So that absolutely. Yep. No. All good. I've got your contents here. Rough value of about 10,000 currently. Is that what you sort of value your contents at, do you think? Yeah. And that's been Yeah. you know? Yeah. That that'll do. Like, I mean, I don't have much. I'm not a a heaps of stuff that it's happening. I don't have much. Yeah. Yeah. No. So That's that should okay. cover it. Yep. Perfect. And then I've also got in here that you because you got a car with your package, Samantha mentioned to me that you've sold the car that you had the Novated lease on, but you still have a residual payment to make of about $8,000. Is that right? Yes. So, look, that's 3 Yes. 50 a week that I said is maintenance. So $50 Yes. a week from that is basically going into what is remaining on that. So it wasn't about 10 k, and Yeah. now it's at about $8.08 k. And Em, who's the kid's mother, she's basically just putting feeding into that loan, you know, Okay. with that. So yeah. So there's about $8 there. And look. What I guess to clear that, basically, once this house gets settled and I get my half from the from the sale, I think because we've Yeah. we've we're selling it for $9.00 5. It costs us, like, $8.14. We've already pumped, you know, a whole bunch of money into it just to, you Yeah. know, to cover repayments and stuff. Yep. So I don't know. I think maybe between us, we're look maybe, I don't know, $80, and then we split that. And then I've got to think of the capital gains, and I've got to pay that money back I wanna like, I I just want to be completely clear by the Yeah. time Yeah. this thing's finished. So Yeah. I I'm yeah. Not sure what I'm gonna have left over, but I will be at least debt free. So Yep. That's good. No.","start_word":2169,"end_word":2623,"sentiment":"neutral","sentiment_score":-0.011269690554875594},{"text":"That's absolutely perfect. Fantastic. And having that gone will be very, very good and starting again. And, look, starting again isn't always bad. It gives you a fresh start.","start_word":2624,"end_word":2652,"sentiment":"positive","sentiment_score":0.5155248045921326},{"text":"You can start from zero, and then you know the only way is up from there. So That's not right. always Yeah. a bad I'm thing. I'm I'm looking forward to it. Yeah. Yeah.","start_word":2653,"end_word":2686,"sentiment":"neutral","sentiment_score":0.19982899725437164},{"text":"No. It'll be fantastic.","start_word":2687,"end_word":2690,"sentiment":"positive","sentiment_score":0.4764685034751892},{"text":"Do you have any other assets you'd note down any other I've I don't have because your car is with your employer, so you don't have any other cars, boats, caravans, or anything else to note down? No. Nope.","start_word":2691,"end_word":2729,"sentiment":"neutral","sentiment_score":0.04332525283098221},{"text":"That's okay.","start_word":2730,"end_word":2731,"sentiment":"positive","sentiment_score":0.5617377161979675},{"text":"Do you have any shares of cryptocurrency or anything else that you might have had for the last few years? No. No. That's okay.","start_word":2732,"end_word":2755,"sentiment":"neutral","sentiment_score":0.1768403202295303},{"text":"All good.","start_word":2756,"end_word":2757,"sentiment":"positive","sentiment_score":0.6223667860031128},{"text":"Estate planning sides of things as well, because you are kinda going through this change and you do have kids, have you thought about drafting up a will with a solicitor? We were going through that. We were talking about that, and then everything sorta changed. But, yeah, look, you know, Yep. the thoughts in the back of my mind, Yep. it always is. And I think for the most part, the reason I'm thinking about it is that without the will, I mean, even those insurances and, you know, beneficiaries can be thrown into a bit of calamity if if I don't Yes. have a will. Is that is that correct? Yeah.","start_word":2758,"end_word":2870,"sentiment":"neutral","sentiment_score":-0.0956030935049057},{"text":"Absolutely.","start_word":2871,"end_word":2871,"sentiment":"positive","sentiment_score":0.3610494136810303},{"text":"So, I mean, the beneficiaries are valid before where they are. And, essentially, the way this would look to work if you were to pass away, your eldest child who is over 21 would be able to then receive the full benefit straight to him. However, your What? children who are under the age of 18, essentially has to go through the guardian because they can't really make those financial decisions on their own. So it would come down to the guardian, which I assume would be Emily, your ex wife. Yes. So she would essentially either have the option of withdrawing the funds to the kids as a whole, or she can look to set up in like, pension income streams in super. And those can stay with the kids until they essentially turn, I think, at 21 these days.","start_word":2872,"end_word":3012,"sentiment":"neutral","sentiment_score":0.09959132224321364},{"text":"And they can be receiving regular income streams.","start_word":3013,"end_word":3020,"sentiment":"positive","sentiment_score":0.3333128094673157},{"text":"But your eldest child would receive the funds direct to him, being as he is no longer technically a financial dependent under the CIS Act. And then, What? yeah, the other kids, it would all come down to essentially what your the guardian wants to do with the funds, either draw it out as a full lump sum to be used for the kids, or they can sort of keep that in the super system until they reach a certain age and draw regular income down. So that would all depend on what the guardian wants to do.","start_word":3021,"end_word":3118,"sentiment":"neutral","sentiment_score":0.15337767558438437},{"text":"There is another way to set up your beneficiaries where you can nominate your legal personal representative, and you can do this on your life insurance as well. You just tick the LPR box, and that means a 100% of the benefit goes straight through to your will. And then through your will, you can have things like trust set up for testamentary trust, where you allocate what percentage of your assets go to what child, how you want that set up, who the guardian is that's gonna control the money for the kids.","start_word":3119,"end_word":3212,"sentiment":"positive","sentiment_score":0.372936874628067},{"text":"It it sort of just comes down to what what your relationship is and how you think she would handle the money and whether the kids would get the benefit or whether you want a lot more control around how the money is paid to the kids. I know to give you a bit of context in my circumstances, I have an ex husband, and I had two kids to him. So when we split up, I got remarried and had a third child, but my ex husband's terrible with money, and he was horrible to have to deal with. So I essentially set up my will, and I had to trust it up through my will. That meant that my sister and my new husband's sister had control of the funds and had to rejoin signatories so that he had to prove to them that the money was used for our children and for their schooling costs and things like that.","start_word":3213,"end_word":3374,"sentiment":"neutral","sentiment_score":0.058850888162851334},{"text":"And that just gave me a lot more control and certainty that the money would be held for my children in the event of me passing away. So you can have a lot more control with a will around that sort of thing, and that's really important to think about as well.","start_word":3375,"end_word":3426,"sentiment":"positive","sentiment_score":0.4066166877746582},{"text":"Yeah. Yeah. Okay. Yeah. Okay. It's It's a hard it's a hard conversation to have, but it's definitely one to sort of think about and understand. And it also comes down to, you know, what's the relationship between you and Emily like, and what do you think she's likely to do? Is she likely to do the right thing or, you know, how how does she handle money and just No. sort of She having was us think she about she what she you want was to happen? she she was the good one with money. Not that I'm not that I'm terrible with money, but she was good No. with money. And and we've been Yeah. feeding the kids' accounts since they were born. So, Beautiful. yeah, we're we're all over that sort of that sort of things.","start_word":3427,"end_word":3565,"sentiment":"neutral","sentiment_score":-0.020942336310156816},{"text":"Beautiful. And, yeah, Beautiful. full full trusting her to do, you know, what what Excellent.","start_word":3566,"end_word":3580,"sentiment":"positive","sentiment_score":0.5510269999504089},{"text":"she'd need to The do. right thing. Yeah. Yeah. Yeah.","start_word":3581,"end_word":3590,"sentiment":"neutral","sentiment_score":0.26521554589271545},{"text":"Perfect. Perfect.","start_word":3591,"end_word":3592,"sentiment":"positive","sentiment_score":0.5461304187774658},{"text":"So what I would probably also maybe make mention of is just sort of keeping something somewhere. Because if you were to pass away, let our let your oldest child know that we are your financial advisers and that in the event of a claim occurring, that they just need to call us and we help with the claim process and just letting them know. I mean, I hope nothing happens, but it is really important. It's sort of one thing I have come across as an adviser over the years is that not everyone knows that people have a financial adviser or where their suit is located or their life insurances. And I've had it come across where, you know, a couple of months down the track, someone's passed away and some a family member calls up and goes, hey. I've found your number. Who are you? What have you got? What's happening here? And then you go through the claims process a little bit late, and they didn't know the money was there. They weren't aware of how to get access to it, and they had a bit of a struggle time.","start_word":3593,"end_word":3786,"sentiment":"neutral","sentiment_score":-0.02548321709036827},{"text":"So I always do think it's worth just making sure somebody in your family that you trust knows, whether it's your beneficiaries or your ex wife, that they know to in the event of you passing, they just have to call us, and we facilitate the claim with them.","start_word":3787,"end_word":3835,"sentiment":"positive","sentiment_score":0.3826155960559845},{"text":"We Okay. are very security conscious, so they can't just call up willy nilly and ask for information. Essentially, we have to be able to be provided with your will and a death certificate to be able to assist, and we will only be able to speak to the executor. So whoever is the executor of your will and your estate is the one person who can come and help facilitate the claim. So whether that's your eldest child or your ex wife or just somebody else that you trust, that's the person that is able to call that is able to facilitate the claim for your beneficiaries if it's not one of your beneficiaries, and that's how we sort of help them with the process. Okay. Yeah. Yeah. Okay. There's a there's a lot to it, isn't there? There We sort of all think that once once we go, it just all happens, but there's definitely a lot of a lot that happens in the back end around the estate planning, around the the will, and around the claiming on the deceased estate that that we do take into account when we are dealing with this a deceased estate, and that has to happen. So, yeah, there's a lot to happen in the back end.","start_word":3836,"end_word":4051,"sentiment":"neutral","sentiment_score":0.13876064121723175},{"text":"But, yeah, it's pretty cool.","start_word":4052,"end_word":4056,"sentiment":"positive","sentiment_score":0.46429911255836487},{"text":"Yeah. Uh-huh.","start_word":4057,"end_word":4058,"sentiment":"neutral","sentiment_score":0.16005928814411163},{"text":"All good.","start_word":4059,"end_word":4060,"sentiment":"positive","sentiment_score":0.4221561551094055},{"text":"And a few things for you to think about too. Yeah. Absolutely. No. All good. So having a look at things, look, we've gone through most of it now. If you like, what I can do is I can send you through a bit of a general information just on a local solicitor with a bit of a costing if you like, just on how much they charge to do up a will and a power of attorney just to give you something to think about. I can also look into obviously, each state has trustees that can help do wills and things like that as well. I can also do a little bit of research around your local trustee and what they charge to do a will and power of attorney. If you want us to give you some general information for you to have a think about, would you like that, Matthew? Yeah. Yes, please. Yeah.","start_word":4061,"end_word":4218,"sentiment":"neutral","sentiment_score":0.10541659018284158},{"text":"Beautiful. I'll organize that email for you.","start_word":4219,"end_word":4225,"sentiment":"positive","sentiment_score":0.5483576059341431},{"text":"It's not an issue at all. Basically, with where we are at the moment, we'll have another conversation in about four weeks. I'll get Sammy to give you a call and book you in so we can kinda have a bit more of a conversation around your goals and what we're looking for advice wise both inside and outside super. You've got a few things to think about with the estate planning side of things there as well. And, obviously, there's a lot going on with the sale of your property. Goal wise, I've got down that we're sort of looking to invest in outside of super. You're sort of looking to see where things are tracking and how we can build wealth both with super and externally over the next five to ten years. And with your super, we're tracking for a goal of accessing 60 to give you that option there. Am I missing anything goal wise or with any of this? Is there anything else that you kind of wanted me to incorporate? Yeah. Or No. Not at all. No. I think no. we're all good. Like, I I am just, you know, we have a conversation. I'm I'm interested No. in that conversation in a couple of weeks and Absolutely. Yeah. moving forward. Yeah. Yep. No. Perfect.","start_word":4226,"end_word":4446,"sentiment":"neutral","sentiment_score":0.1423707902431488},{"text":"Perfect.","start_word":4447,"end_word":4447,"sentiment":"positive","sentiment_score":0.3403790593147278},{"text":"I feel like it is good to just let you go through this settlement process first, work out where things are up to once you go through that, look at Yep. what your expendable cash is, look at what your income looks like, what your circumstances then also look like.","start_word":4448,"end_word":4497,"sentiment":"neutral","sentiment_score":0.24435684084892273},{"text":"That way, the advice we do provide is accurate and in your best interest.","start_word":4498,"end_word":4511,"sentiment":"positive","sentiment_score":0.3737388253211975},{"text":"Otherwise, Yes. doing that now and then having things change in four weeks means we have to go back and reevaluate the advice if it's no longer in your best interest. So I do personally like to make sure that when we are providing advice that it is in your best interest that we are factoring in all of your circumstances. And if there's an expected change in the short term that we do note and recognize that for you.","start_word":4512,"end_word":4591,"sentiment":"neutral","sentiment_score":0.02957041943445802},{"text":"So I definitely think this is the best course of action, but I'm really looking forward to putting this together for you and running the projections and seeing what we can come up with. So I'm very excited. It'd be good. Same here. Sounds fun. Fantastic. I've confirmed that your insurance is all good.","start_word":4592,"end_word":4645,"sentiment":"positive","sentiment_score":0.6155735850334167},{"text":"There's no changes there. But in the next sort of couple of weeks, if you do think about anything that comes up or you wanna reassess them or you feel like the levels of cover aren't accurate, just sort of note down some questions, and we can always go through those again when we speak in about four weeks there. Yep. Is there any other goals or anything else that sort of come to mind over the next one year, two years, five years that you think we might need to maybe factor in? Not really. I think, you know, cash flow is a big one for me. Like, Yep. it's just cash flow and and a long term plan, you know, a long term plan. I just wanna yeah. I wanna be Yep. Yep. as like, and I've got and, like, just another thing to think about is that I've got the kids too. So, you know, holidays and, you know, and and the education side of things and just making sure that we're we're covered as a family. Like, I mean, I'm not silly. Yeah. I know how to budget and do what I need to do, but Yeah. I want I just wanna be go out of the best way, the best possible Yeah. way. And so, you know, with with what I have. And I'm I'm Yeah. sort Yep. of hoping that by the time we do have our next conversation, that maybe, you know, we've already had the discussions at work. Yeah. And, you know, looking forward, we sort of got some maybe some new numbers to play with, but we'll Yep. just see how that goes. You know? Yeah. But Absolutely. when that when that change happens anyway, if it happens to happen after, then That's it. we just That's fine. implement We it can when factor it happens. in. And Yeah. Absolutely. Most yeah. definitely. Yeah. No.","start_word":4646,"end_word":4969,"sentiment":"neutral","sentiment_score":0.0719794201216212},{"text":"Not a problem at all. Fantastic. I like it.","start_word":4970,"end_word":4978,"sentiment":"positive","sentiment_score":0.5824667811393738},{"text":"Well, the only other thing to let you know is when we do come back, I'll kinda go through things in a bit more detail with you. But that ongoing service agreement you do have in the email there is just letting you know you do pay an ongoing service fee for our services looking after your super. It is 1.65% per annum, and then Yeah. the the amount is deducted out of your super on a monthly basis. So it is linked to the performance of your super. Just so you are aware, if we do recommend investment accounts and things like that, we do also charge an ongoing service fee for the monitoring of those because they are outside of super. However, we take your 1.65% currently, and we split that across. So we'll, you know, look to prorated that across the two different accounts for you. But Okay. I'll be able to, as part of the advice, show you what the fee structure looks like and show you what the expected fees are as part of the advice, and then you can let me know whether you're comfortable with doing that or not. But does that make sense, and do you have any questions about the fee structure currently? No. That's cool.","start_word":4979,"end_word":5193,"sentiment":"neutral","sentiment_score":0.027498509734869003},{"text":"Love it.","start_word":5194,"end_word":5195,"sentiment":"positive","sentiment_score":0.4257414340972901},{"text":"No.","start_word":5196,"end_word":5196,"sentiment":"neutral","sentiment_score":0.15666861832141876},{"text":"Beautiful.","start_word":5197,"end_word":5197,"sentiment":"positive","sentiment_score":0.34042105078697205},{"text":"Excellent. This You're this this right. conversation that we're gonna have, Yeah. is it over the phone again? Can I come and see you? Or You can if you like. Where so you having a look. You're you're in Ipswich.","start_word":5198,"end_word":5237,"sentiment":"neutral","sentiment_score":0.060405634343624115},{"text":"If you wanna come into the office, we can absolutely do it.","start_word":5238,"end_word":5249,"sentiment":"positive","sentiment_score":0.5246715545654297},{"text":"We're in Southport. So if you wanna do that, that's fine.","start_word":5250,"end_word":5260,"sentiment":"neutral","sentiment_score":0.3202069103717804},{"text":"We can do it by Teams. We can do it over the phone. I'm happy to meet however you would like to.","start_word":5261,"end_word":5282,"sentiment":"positive","sentiment_score":0.4773064851760864},{"text":"What would you prefer? I think in person. I don't know. I've just yeah. Yeah. It's Make a yeah. day of it and come to the Gold Coast. Yeah. That's right. I could go go for some lunch and then come and see you. Yeah. You know? Yeah.","start_word":5283,"end_word":5330,"sentiment":"neutral","sentiment_score":0.16013658046722412},{"text":"Absolutely. Absolutely. Well, what I'll do is I'll let Samantha know that that's kind of what your preference is.","start_word":5331,"end_word":5349,"sentiment":"positive","sentiment_score":0.35980772972106934},{"text":"And when she gives you a call to book you in, I'll get her to give you a call in three weeks.","start_word":5350,"end_word":5371,"sentiment":"neutral","sentiment_score":0.315987765789032},{"text":"That way, we've got a bit of time, and she can book you in when it suits you.","start_word":5372,"end_word":5389,"sentiment":"positive","sentiment_score":0.36118650436401367},{"text":"And, Yep. yeah, absolutely, if there's a day or time that suits you. The only day I don't work at the moment is Fridays. I have Fridays off to look after my son, Okay. but I do work Monday to Thursday, and I'm here from anywhere from 07:30 in the morning right up until about 7PM at Oh my So god. we can make that work. Even Friday is the only time that suits you, she will still book it, and I will come into the office. So do not worry.","start_word":5390,"end_word":5480,"sentiment":"neutral","sentiment_score":0.12578652799129486},{"text":"I just like to let everyone know I'm pretty flexible Fridays.","start_word":5481,"end_word":5491,"sentiment":"positive","sentiment_score":0.4470181465148926},{"text":"I just try to do it in between school hours because it's technically, I take that day for my son. So I have a Yeah. little bit Gotcha. of work life balance there. But if Friday is the only day that works for you, I will make it happen, and I'll make sure Samantha's aware of that as well. Okay? No. That's that's fine. Yeah. No. Easy. I won't I won't All do good. that to you. Let's No. see. That's I'm looking. honestly fine. I have done it before. I know sometimes Fridays are the only day or the best day, especially when you have kids, and I'll make it work. But yeah. Look. Any other day, if you wanna make a day of it, morning or afternoon, Okay. we'll make sure it happens for you. It's not a problem at all.","start_word":5492,"end_word":5634,"sentiment":"neutral","sentiment_score":0.10031696851853723},{"text":"Okay. Cool. It'd be great to meet you in person, actually. It'd be fun.","start_word":5635,"end_word":5648,"sentiment":"positive","sentiment_score":0.6372647881507874},{"text":"Yeah. Yeah. I I I think so Yeah. too.","start_word":5649,"end_word":5657,"sentiment":"neutral","sentiment_score":0.17005568742752075},{"text":"Excellent. That's Fantastic.","start_word":5658,"end_word":5660,"sentiment":"positive","sentiment_score":0.7756119966506958},{"text":"The only other thing to let you know is so you've got the attached documents there that we have gone through. I've also got the financial services guide attached there for you.","start_word":5661,"end_word":5692,"sentiment":"neutral","sentiment_score":0.2530974745750427},{"text":"awesome. It does have a lovely picture of me in there, also all my licensing information as a full licensed adviser for you as well.","start_word":5693,"end_word":5717,"sentiment":"positive","sentiment_score":0.4845197796821594},{"text":"So feel free to run your eyes over that. If you find you have any questions in relation to any of those documents, please let me know. Okay. I'll get Sammy to give you a call in the next sort of four three weeks so she can book you back in for another conversation, and we'll look at your five to ten year plan and look look at investing and building wealth in all those areas. And let's see what we can do to help you moving forward. Okay?","start_word":5718,"end_word":5806,"sentiment":"neutral","sentiment_score":0.2159435003995895},{"text":"Perfect.","start_word":5807,"end_word":5807,"sentiment":"positive","sentiment_score":0.4870604872703552},{"text":"Izzy, Alright. do you have any questions? Is there anything else that you might think of that I haven't touched on or I've missed? Or No. Not at all. Not at all. I I think, you know yeah. Look. I'm I'm a pretty basic guy. So no? No. I just hear that we can we can put a plan together and, Absolutely. yeah, I'm all for it.","start_word":5808,"end_word":5874,"sentiment":"neutral","sentiment_score":0.07874088734388351},{"text":"So Beautiful.","start_word":5875,"end_word":5876,"sentiment":"positive","sentiment_score":0.36843371391296387},{"text":"yeah. Let's find your Tom scenario. Let's find Yeah. Matthew's scenario. Yep. Yep.","start_word":5877,"end_word":5889,"sentiment":"neutral","sentiment_score":0.08241458982229233},{"text":"Perfect. Beautiful.","start_word":5890,"end_word":5891,"sentiment":"positive","sentiment_score":0.43248450756073},{"text":"Well, look. That's everything I needed to go through. If anything comes up question wise, let us know. You don't have to wait till the next appointment. Let Sammy or myself know. If Sure.","start_word":5892,"end_word":5925,"sentiment":"neutral","sentiment_score":0.17916841804981232},{"text":"you're happy to sign those documents, we'll get you to sign and return those back at your most available opportunity Oh, I've just done and it.","start_word":5926,"end_word":5951,"sentiment":"positive","sentiment_score":0.35532835125923157},{"text":"send Yeah. That's done.","start_word":5952,"end_word":5955,"sentiment":"neutral","sentiment_score":0.21323981881141665},{"text":"oh, you're the legend.","start_word":5956,"end_word":5959,"sentiment":"positive","sentiment_score":0.35494229197502136},{"text":"And they'll get send me to book you back in. She'll give you a call in three weeks to book you back in for the month so we can really knock out what you need, what you're after, and really do some financial advice and give you give you your little scenario, your math year scenario, and your passport over the next five to ten years.","start_word":5960,"end_word":6025,"sentiment":"neutral","sentiment_score":0.28979507088661194},{"text":"Okay. Perfect. Sounds awesome. Easy. Thank you so much for your time. I really appreciate it.","start_word":6026,"end_word":6041,"sentiment":"positive","sentiment_score":0.752587616443634},{"text":"No.","start_word":6042,"end_word":6042,"sentiment":"neutral","sentiment_score":0.06407123804092407},{"text":"Thank you for your time, Dana.","start_word":6043,"end_word":6048,"sentiment":"positive","sentiment_score":0.3755761384963989},{"text":"It's No it's good worries. to chat with you again. And, yeah, Yeah. we'll not have that in a few weeks.","start_word":6049,"end_word":6069,"sentiment":"neutral","sentiment_score":0.014945244416594504},{"text":"Absolutely. You have a lovely afternoon. I hope everything goes well over the next few weeks for you with the settlement, and, yeah, looking forward to catching up.","start_word":6070,"end_word":6097,"sentiment":"positive","sentiment_score":0.6235602498054504},{"text":"No worries. You too. Talk to Dana.","start_word":6098,"end_word":6104,"sentiment":"neutral","sentiment_score":0.2314668595790863},{"text":"Thank you.","start_word":6105,"end_word":6106,"sentiment":"positive","sentiment_score":0.5078674554824829},{"text":"Talk soon. Okay. See you later. Bye. Bye.","start_word":6107,"end_word":6114,"sentiment":"neutral","sentiment_score":0.20355619490146637}],"average":{"sentiment":"neutral","sentiment_score":0.11654981262895985}}}}