{"metadata":{"transaction_key":"deprecated","request_id":"019fa791-551a-7ff1-97a5-dab7ef8778bf","sha256":"01cc3e159d041819b5c430cde3029d64bb84afae180544a634717da09fcbed42","created":"2026-07-28T07:12:30.524Z","duration":2193.624,"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":8232,"output_tokens":147},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":9230,"output_tokens":9248},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":9230,"output_tokens":1574}},"results":{"channels":[{"alternatives":[{"transcript":"Dana Oakley Financial. Hi, Jason. It's Dana Dana from OQ Financial. How are you this afternoon? That I'm very well. Thank you. I just had you booked in today just to go through your updated statement of advice. Is now still a good time there for you? Oh, fantastic. Oh, not very long. It's a very simple one. It's more just about retaining, obviously, your two super funds and doing an investment switch in there because I have sort of found there's some changes I'd love to make to your super to make sure they are working a bit better for you. But I can have it done easily in about ten, fifteen minutes for you if that's if that's okay. That's okay. Beautiful. And how's your day been so far? Yeah. Yeah. It's good. You nearly finished. Yeah. Yeah. Absolutely. Absolutely. No. All good. Now, Jason, before I jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do a really quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Fantastic. Thank you so much for that. So, Jason, I have sent a document through to you. Are you able to look at your emails? If you can't, that's honestly okay. Yeah. Just then. Yeah. So if you press the signature button, it'll let you go through forward so you can just review the document. Yep. Yeah. I won't ever ask you to sign anything you haven't read, but this allows you to be able to scroll up and down so you can view the document. That way, I'm not talking at you, and you can see exactly what I'm talking about. Yeah. Fantastic. Now on the front page of that document, when you are looking at it, it'll say statement of advice prepared for yourself, Jason Hale, as of the 07/08/2026. Our documents are valid for sixty days from the date on the front of the document there. On the bottom of the front page has my authorized representative number. So I'm a licensed financial adviser registered through ASIC, and my registration number is 1304394. Okay? The next couple of pages run you through the best interest duty, the table of contents, and areas that we are scoping in and out with regards to the advice. When we did your annual review last, we sort of talked about looking at the retention side of things. So you had a bit of extra money sitting in your c bus account. We wanted to go back and review the investments within Hub twenty four and c bus to make sure that everything was in line with your risk profile. You're also in that growth environment, and you wanted to take on a little bit more risk to get a bit more growth out of your super as we work towards your retirement goals there. You were hoping to be able to access super at around about age 65. So we've looked at increasing your risk level a little bit, but also readjusting your portfolio to make sure that you're inside that risk level, but also that your super fund is working at its best possible capacity. Okay? I've also scoped in the estate planning side of things. So just making sure that in the event of passing, that your beneficiary nominations are up to date to make sure all the proceeds are passed to your wife in the event that something happens to you. We are not making any new recommendations around TV or income protection, so you are happy with the level of cover you had in c bus at the moment and your personally paid direct policy with the income protection. We just want to retain, obviously, the c bus account to retain the level of cover you have. However, it's been limited scoped into the advice because the cover is paid out of your super, so it does have an effect on your overall retirement projections. So whilst we don't make any new recommendations, we do consider that as part of the projection table for you. Okay? Excellent. And you don't have any life or trauma cover. You weren't wanting to get any new insurances other than what you already held, so we're not making any recommendations around that. We've also scoped out debt management and additional contributions. So you didn't wanna make any additional contributions yet. You were hoping to, pay down your mortgage first, have that all covered, then make additional contributions down the track. Does that still sound appropriate for you? Does that still sound appropriate for you? That's right? Excellent. Fantastic. As you get through pages number nine and ten, it does have a list of your assets and liabilities on page 10 there, just what we had noted at our last conversation. If I can just get you to run your eyes over that for me. I know your mortgage hopefully has been paid down a little bit there. Is there anything that you would like me to have updated in the back end that may have changed since we last called out? Yeah. Yep. Okay. What sort of value do you think you put on those now? Yep. Yep. They haven't been winning for you. Yeah. Yep. No. Of course. Okay. Absolutely. Yeah. Yeah. Yep. Nine fifty. Fantastic. Excellent. Yep. 10,000. Fantastic. Fantastic. Yeah. The same. I don't know. I reckon if you realistically, if you took your house upside down, everything fell out. That's all your content. So that's quite a lot of things to replace when you think about it. Yeah. Yeah. No. That's okay. I'd just like to update in the back end for you. So it won't I won't worry about updating the advice document because it doesn't change any of the advice provided, but it's good to update it in the back end for you just so we can have things updated and reflective. Okay? Fantastic. Underneath that, we've got your current super balance. So within Hub 24 and your c bus, at the moment, you have about eleven thousand two fifty three in c bus. Could be a bit more since we did this document a few weeks back. And then your balance in Hub 24 is at the $242,004.92. Okay. We've got your insurance policy within it's not much. It's getting there, though. You still got a bit of time ahead of you. See what I can do to make things work a bit harder for you. On the next page there, your current insurances. So within C Bus there, you do have 80 sorry. 82,500 of TBD cover and some income protection there with a thirty day wait and two year benefit period. And then within Zurich, you've also got a bit of extra income protection for top up cover there with a thirty day waiting period and two year benefits period. The current sum insured there is $1.09 $9.02. Okay? To make this a bit easier, if you can go down to page number 14 for me, this is where the recommendations essentially start. I'll go through them nice and easily, and then you feel free to ask me questions. If you do have any questions throughout, you can just interrupt me and say, Daniel, just stop and let me ask some questions and ask anything you have. Okay? We are recommending that you do retain your CBass super fund to retain your insurances, but we only wanna hold that with a minimum amount of cover. So you'll keep your contributions going into CBass as they are, and then we're gonna roll all of that. Retain C bus with a balance of $10,000 and keep your contributions moving in. Essentially, every year, anything above that 10,000, we wanna have rolled that into hub twenty four and keep that money moving so it is invested within Hub 24 hoping to get greater growth there for you. I'm also recommending we retain hub twenty four. I did review both super funds. They are still working really well. Hub twenty four is still a great fund. And, obviously, if we did, there are other funds that that could be a bit cheaper. But if we look to, sell down all of the investments and remove all the funds, the CGT affects your super fund just like you actually pays tax every year and has pays capital gains tax and income tax. If we were to sell down and move to another fund, it would have a greater a larger CGT effect for your super, which meant which means your fund would have to pay more tax. So it is best to retain hub twenty four at the moment. Realistically, hub twenty four hasn't made any changes that are detrimental. It is still a great fund and still has the most amount of investment options to be able to adjust your portfolio within. Okay? Because your super balance is only at 11,000, normally, we wanna roll over 10,000 over. I do not see a need to roll, basically, a $1,000 out of the c bus account. So what I will do for now is I'm not gonna do a rollover right now. We'll probably just wait till the next catch up. We'll check the c bus balance then. And if we need to do a rollover, then if the balance is a bit higher, then we'll roll some money out for you. Okay? Yeah. I am recommending that you make those do change and have that paid on more of a regular basis. So so instead of doing it quarterly, try doing it weekly or fortnightly. That way you're putting smaller amounts in. Yeah. That way you're putting smaller amounts in more regularly. Your super fund actually benefits greater from that because you're properly dollar cost averaging into the fund. But it also means instead of having a larger lump sum on a quarterly basis, you're just putting smaller amounts in more regularly, so it's much more manageable to do for you. So I'm also recommending as part of the advice that you make that small change. And every week or fortnight, you just make that additional contribution in and out of your self employed wages. Okay? Yeah. Yeah. Yeah. Comp companies are definitely supposed to. I'm pretty sure for yourself, it it is best to do so as well. So it just it works out to benefit you much greater in the long run. Yeah. Excellent. That's okay. Yeah. Yeah. Yeah. Absolutely. No. That's not a problem at all. Underneath that section, I'll let you have a bit of a read through it after. But we have the best interest duty, which essentially relates the recommendations back to your goals and why they are in your best interest. I'm also recommending that we increase your risk in the portfolio and move into more of a high growth environment as well. We'll make sure we monitor that moving forward. So when and if you decide you'll no longer feel that that's appropriate or you're a bit concerned about the risk level, just let us know, and we can always reduce that back if we if you need to. Okay? Excellent. Yeah. All good. I've also got underneath that the advantages, disadvantages, the risks involved, and any additional considerations that we have made for you as well. So any alternatives that we've considered, essentially. Okay. Excellent. When you have a rate through that and you're comfortable to move on, if I can get you to move down to page number 19 for me, I'm also recommending we do make a bit of an additional change to the investments within your super. So sorry. Just let me know when you're when you're good in your move down. Yeah. Very similar to HAB 24. It's an adviser platform, and it has access to lots of different investment options there. I did consider and look at the option of moving to another platform like my North, But, unfortunately, it came out to be too cost too expensive to do. So so while they're more cheaper funds, the CGT would have cost had 24 with your super fund about over $5,000 to sell down wholly and move into my north. And when you consider the contributions going in and the fees, by having to pay that CGT, it's not worth it. You don't make that money back fast enough towards your retirement even in the high growth portfolios. So I weighed up the options and did all the math and looked at it and decided it was best for you to retain Hub twenty four. Yeah. Yep. You'll see all those different investments there is. There is. Absolutely. So those red numbers are the numbers that we're going to sell. So you'll see on the side here, you've got your SeaBus Super. We're gonna retain that exactly as it is for the moment, but the goal is to continuously achieve be moving money out of c bus and into hub 24. So I'll review, obviously, your balance each year, and we'll make sure we do regular rollovers. For this particular moment, it's only, like, a thousand $1,253 we'd be rolling out of. It doesn't sort of work make it worthwhile right now, so I'm gonna hold off on doing a rollover now. We'll do that when we do a catch up, and I'll reassess your balance then. But in HUB twenty four, in order to move into more that high growth environment, we needed to reassess the investments. And I had found that some of them in your old portfolio were underperforming and needed to be altered and changed. So the red that you've been looking at is what we're gonna be selling down. So we are gonna be selling off the battery and lithium tax, the Ben along Australian Equities, which has been underperforming and not doing very well for your fund. The bank hybrids, that sort of investment is actually gonna be phased out by the government, so we need to remove that from your portfolio now. The China new economy hasn't been performing as well as it should have been. And your physical gold is doing very well and is great, but we need to just reduce it back a little bit. So we only wanna hold 7% of physical gold. You've currently got 9% there at the moment, so we just wanna cement some of the gains and redistribute those across your portfolio for you. You only wanna hold about 77% of physical gold in your portfolio. The beta share cybersecurity, we only wanna hold about 6% in your portfolio. You kinda got 8.24%, so we wanna sell some of that and just rebalance you back a little bit there as well. The s and p five hundred is the top 500 companies in The US. We wanna hold about 35% of your portfolio. You're a bit underweighted at the moment, so we wanna bring that exposure up a little bit and buy just over $4,000 of the s and p five hundred. And then with the VanEck Australian property, property is having a bit of a pullback. We wanna remove that solely from your portfolio. Whilst it has provided good returns, our property is having a bit of a pullback with the changes of legislation at the moment, so it is worth removing that wholly from your from your portfolio. And because we're removing the Ben along Australian equities, we're also removing the Raffy a 200 there. That investment is more it's more of an expensive kind of investment to have, and we found a way to provide greater diversification to hold Australian equities, but also make your portfolio cheaper for you as well. So we're gonna sell that investment down. Okay? Once we complete all of those sales, we'll still hold about 7% of physical gold. We'll still hold about 6% in cybersecurity. We'll still hold about 35% of the s and p 500, and we're gonna buy into some Europe and Japanese exposure. So you hold 9% of European and 5% of Japanese. The Europe exposure is giving you access to all 16 European countries. They're giving you great diversification across the globe, and Japan has seen some really good growth there as well. So we wanna hold 5% of that. On the next page, if you scroll down, you'll see the Vanguard or World ex US. So this is essentially giving you exposure to the entire globe minus The US market because we have the S and P 500 above there. And this is giving you greater diversification in a cost effective investment, and we wanna hold 8% of that for you. We still need to some Australian exposure, and we are removing the Rafi plus the Benelon because the Benelon has been underperforming, and we're gonna hold the beta shares a 200. This is giving you exposure to the top 200 companies on ASX, and we wanna hold 25% of that investment for you. One of the cool things, the a 200 actually is a very good dividend pay. It's one of the highest dividend paying Australian stocks. So it'll be good. It'll help you with a bit of income producing within your portfolio, but it's also a much cheaper option to hold Australian equities for you. Okay? And then we've got core composite bonds. So it's important that we have defensive investments with the high growth environment you wanna be in. We only wanna hold about sort of five to 10% of defensive investments. The idea is we have most of our money sitting in those growth investments trying to obtain greater growth there. So we're just holding about 5% of core composite bonds to give you some defensive exposure as well. Okay? So that is essentially the changes I wanna make to your portfolio there. I'll show you the reasoning behind that in a second. But underneath that table, you also see within hub twenty four, you've got about 11 thousand sitting in cash there at the moment. You have a bit more cash than I would realistically like. We only wanna hold minimum cash. We wanna have as much money invested in your portfolio as possible, so we're gonna reinvest about $8,581 of that for you. Okay? Excellent. Yeah. I can give you that. Yeah. That's okay. I can give you I can go in there now. Yeah. Absolutely. Let's have a look now. So I'm just pulling up the report for you to have a look now. Last year. Sorry. Won't be a second. Just loading the report for you. Beautiful. So when we look at everything as a whole, over the last twelve months, your portfolio and it's important to note that with the amount of volatility we have seen, with everything you've seen going on with the US war this year, there has been a lot of ups and downs there. But as a whole, your portfolio has made about 4.45% net of fees after all fees have been considered. So you have definitely had a good positive return for the year. It is lower than where we'd expect. A lot of that is because Bennelong has been underperforming there and, obviously, with what's been happening globally with the Iran and the US war there. But you have definitely made a 4.45 return after fees. So it does mean your portfolio is still working the same direction. Because contributions do go into C bus, this is just what the portfolio has been able to do. So even with everything going on, it's come out with a positive return, which is good. Yeah. Mhmm. Bank interest, yeah, bank bank interest is middle of the range at the moment, around about a sort of four to 5% return depending on who you're with and what you're doing. But you're also paying about 9% in you know, between six to 9% in mortgage rates as well. So the mortgages are much higher. And when you consider the cash rate there, it is definitely a lot lower than what you are paying in interest. I'm just pulling out. I can have a look at what C Bus is preferring, but C Bus is also giving us when we look at what their investment returns are performing, they're giving us a gross return based on the overall. So it's not necessarily saying that you would have got this return. It also depends upon contributions going in, what's happening, any distributions, and things like that. But if I'll have a look at the. Sorry. This goes to their site. Options. Yeah. Absolutely. Yeah. Absolutely. Yeah. Absolutely. So their growth my super account from this is up until the 06/30/2026, so it is definitely almost a month old. But they're claiming that their my my super growth growth, so before tax, has returned a 9.25% return on average. So it is definitely higher than what you've got in your portfolio. But, I mean, hub twenty four, this is giving you the return based on today's date, so very much within the last twelve months. And it's a net return after fees as well. So I would have to kind of go back and reassess the fees within Cbus and really go into nitty gritty to be able to find out what the return would be after fees. But that that's just what they're claiming that their portfolio can achieve in the last twelve months or in the last one year up to the June 30. Yeah. We can we can do that. We don't because there's so many other factors to take into account. But, yeah, I can go back and have a look at that and compare it for you if you like. I'll have to send you an email after the call to do so. Is just growing. We only want a real estate holder as a small amount. But at the same time, if you're more comfortable being in and you prefer just to have everything in one place, you're fine to roll back. I mean, as I've kinda said before, you're not in any way, shape, or form held to stay in Hub twenty four or with us as your advisers. If you kinda wanna roll things back and just wanna be in one place and prefer to go back to an industry fund, you absolutely can do. You just initiate the rollover. Let us know that that's what you wanna do and that you plan to roll back. We'll absolutely help you. It Yeah. Yeah. Yeah. Mhmm. You're right. Mhmm. Yeah. Yeah. That's okay. Yeah. That's fine. It's honestly okay. It's not a problem at all. I'm also just having a look at the from inception report. So you came on board here in 2023. You've almost been on essentially for three years there, and your portfolio over the last three years has returned a 29.13% return. It's made about $69,000 in income plus growth as a dollar figure. If I divide this twenty nine point one three by the three years, you've made an average of 9.71%. So whilst this one year, it is showing less than what the c bus fund has, you know, returned as a growth, as a growth performance on their website, when you kinda take that 29, 29.13% and divide that by the three years that you've now been on board, you've averaged about a 9.71, which is better than what they have done. So when you look at it overall, the compounding effect, you've actually done better than what they're claiming to do. So I do in order to kind of break down what you do have and don't have, the statements or information they give us, they don't give us your balance from last year. So I'd have to go back to Ziva's, get your balance, work out what your fees are, and do the math around, obviously, what your growth rate was. Yeah. If you've got a state yeah. Yeah. Absolutely. You can. That's not a problem at all. Yeah. They are a little bit picky giving up the information. We only have an authority to inquire, but I can go back and do the math for you. It's not a problem. The difference being that we also yeah. That's okay. That's okay. Yeah. No. Absolutely. Absolutely. Absolutely. Yeah. And that's probably one of the biggest things that I would be wanting to bring up is that if by staying on board with us, it does mean that I do wanna review this with you. You know, when we spoke last time, you wanted to be in that high growth environment, take on a bit more risk because you're not planning access super for about the next seven years. However, I do not want you in that high growth environment for the next seven years when you are easily six years away. So next year, I'll probably wanna bring you down. And then from there on every year, start to reduce your risk level a little bit, sorry, by 10% as well and start to sort of bring it down gradually because I definitely do not want you to be in high growth the year before you retire and then have a big 20% drop and then be cementing that drop. That is not preferable, and I would hate myself if that happened to you. You know, we all wanna retire as quickly as possible. Yeah. Exactly. Exactly. So by having us here and having me as your adviser, I can be a little bit more you know, we're happy to take on that bit of risk now for you, but I do not want you to be in that for longer. I definitely do wanna make sure we do a catch up in about six months with you, probably January, if not December before we go away for Christmas just to make sure things are working. And if the market isn't performing well, if things aren't doing well, then I wanna make those changes again for you and keep it working harder because, realistically, your balance is a bit lower than where I would like it to be. And, realistically, if you're gonna retire the next seven years, we wanna make sure you've got as much money as absolutely possible because you'll be 65. So, realistically, you wanna make sure you've got enough money to start drawing out the income you need as well as getting you longevity. And you're not eligible for age pension to age 67. So there is two years to keep as a bit of a buffer prior to accessing the age pension. And then what I like to do with a lot of my retired clients is when we get to age 67, look at what you're eligible receive from Centrelink and draw back less out of super to supplement that so you have a bit of longevity and get some from the age pension as well as super as well. The other side of it is once you actually turn 60, depending on what you need, whether, you know, you feel income protection and TBD or whether you feel insurances are appropriate, a lot of my clients do decide at 60 they don't need those insurances anymore because if they are unable to work, they can access their super. So we can also look to consolidate from then on too. So only keep these insurances in place and save us until you no longer need them. Once those insurances are obsolete and you don't feel that they are suitable to keep anymore, that we can get rid of them, then we can consolidate everything into hub twenty four as well, have it all in one place, have one super fund working harder for you as well. So that's also another option I'd like to look at for you if that helps. Yeah. That's okay. That's okay. Can yeah. Can I show you one more thing before we go? Just a really important aspect of the fee structure. Just on page 22, if you keep going down, we did talk before about the changes to make to your portfolio, and I did explain that your super fund does pay CDT or tax consequences as well. So we do know by making the changes above, all the red and green that you saw, the CGT expectation is only 1,385. So to change and make changes to the portfolio, we expect your super fund to pay $1,385 in CGT. It doesn't change the administration fees. They stay exactly the same, but the newer portfolio saves you $690 a year on investment fees. So it does make your investment fees a bit cheaper as well there, Jason. Okay. Absolutely. Saving fees, keeping more money in your super compounding for you is a really good idea. It does work out better for yourself. The CGT does mean that setting $100 is deducted for the tax side of things. But overall, when you consider that, it's a one off CGT consequence of setting $100. Whereas if you're then saving $690 on investment fees and you compound that or, you know, that over the next seven years is about $44,800 in fees that you've saved if it stays the same way. So that can make a much greater a difference for you. And the newer portfolios had a higher past performance as well. So when we look at that moving forward, it can obviously provide greater future performance, which is what we also wanna see. Okay. Yeah. Beautiful. It does sort of show on yeah. On the very last page, if you're comfortable to if you wanna take it back and read it over before you sign it, you absolutely can. I don't ever want you to sign anything you're not comfortable signing. So if you wanna take some time, read it over, and let me know if there's any questions you're allowed to. Alternatively, if you decide you wanna sign it, I can always email it back to you so you've got it as a copy as well. It's up to you how you would like to proceed. Yeah. Yeah. That's fine. That's absolutely fine. Yeah. Definitely. They're bankers, are they? They work in a bank? Yeah. Yeah. Right. Yeah. Right. Yeah. Right. Yeah. Oh, good. He's in lending. Yeah. Yeah. Yeah. Yeah. No. That's absolutely fine. Yeah. No. Absolutely fine. That's not a problem at all. If there are any questions, you're welcome to let me know. Yeah. Once you kind of have had a read through it, I would sort of say if you wanted to make these changes, try to make them as soon as possible. So the longer we wait, obviously, the the longer it can take to have those changes, and it can affect your performance side of things. So but let me know if there's any questions you have. I'm always happy to answer them. Did you want me to go back and just have a look at the c bus and get that additional growth rate for you, or you're happy just to leave it for the moment? No. That's okay. Yeah. Yeah. That's exactly what they do. Whereas I'm not licensed to any particular fund. Everything I do has to be in your best interest. That's why I outlined the best interest, Judy, the advantages, the disadvantages, the risks involved. And as I said, I'm very open and upfront with everything. I'll give you the returns on the station, and you get to decide what you wanna do moving forward. I don't want you to feel pressured into anything you're not comfortable doing. Okay? Easy. Thanks. My pleasure. You have a great night. Will do. You have a good yep. Yep. I will. I'll give you a buzz. Absolutely. My pleasure, Jason. Thank you for taking my call. You have a great evening. See you later.","confidence":0.9980469,"words":[{"word":"dana","start":8.48,"end":8.88,"confidence":0.9223633,"punctuated_word":"Dana","sentiment":"neutral","sentiment_score":0.033697426319122314},{"word":"oakley","start":8.88,"end":9.36,"confidence":0.94189453,"punctuated_word":"Oakley","sentiment":"neutral","sentiment_score":0.04353045672178269},{"word":"financial","start":9.36,"end":9.86,"confidence":0.9667969,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.05569600313901901},{"word":"hi","start":32.86,"end":33.18,"confidence":0.8762207,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":0.08608072996139526},{"word":"jason","start":33.18,"end":33.58,"confidence":0.9970703,"punctuated_word":"Jason.","sentiment":"neutral","sentiment_score":0.09213382005691528},{"word":"it's","start":33.58,"end":33.82,"confidence":0.8371582,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.132597416639328},{"word":"dana","start":33.82,"end":34.14,"confidence":0.7426758,"punctuated_word":"Dana","sentiment":"neutral","sentiment_score":0.12485536932945251},{"word":"dana","start":34.14,"end":34.46,"confidence":0.80908203,"punctuated_word":"Dana","sentiment":"neutral","sentiment_score":0.13796570897102356},{"word":"from","start":34.46,"end":34.7,"confidence":0.9980469,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.14882388710975647},{"word":"oq","start":34.7,"end":35.1,"confidence":0.31201172,"punctuated_word":"OQ","sentiment":"neutral","sentiment_score":0.15278801321983335},{"word":"financial","start":35.1,"end":35.58,"confidence":0.99658203,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.1435120552778244},{"word":"how","start":35.58,"end":35.74,"confidence":1.0,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.17369329929351807},{"word":"are","start":35.74,"end":35.9,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.17490427196025848},{"word":"you","start":35.9,"end":36.06,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1744680106639862},{"word":"this","start":36.06,"end":36.3,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1759459674358368},{"word":"afternoon","start":36.3,"end":36.8,"confidence":1.0,"punctuated_word":"afternoon?","sentiment":"neutral","sentiment_score":0.1568288505077362},{"word":"that","start":38.86,"end":39.1,"confidence":0.55078125,"punctuated_word":"That","sentiment":"positive","sentiment_score":0.4878383874893189},{"word":"i'm","start":39.260002,"end":39.5,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.5662922263145447},{"word":"very","start":39.5,"end":39.739998,"confidence":0.99902344,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.6015233993530273},{"word":"well","start":39.739998,"end":40.06,"confidence":0.99853516,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.6049654483795166},{"word":"thank","start":40.06,"end":40.3,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6981058716773987},{"word":"you","start":40.3,"end":40.54,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6503068208694458},{"word":"i","start":40.54,"end":40.7,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4509276747703552},{"word":"just","start":40.7,"end":40.940002,"confidence":1.0,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.4579199254512787},{"word":"had","start":40.940002,"end":41.1,"confidence":0.9921875,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.4512156844139099},{"word":"you","start":41.1,"end":41.18,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.31608936190605164},{"word":"booked","start":41.18,"end":41.42,"confidence":0.99902344,"punctuated_word":"booked","sentiment":"positive","sentiment_score":0.3561602532863617},{"word":"in","start":41.42,"end":41.58,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.32598865032196045},{"word":"today","start":41.58,"end":41.9,"confidence":0.9980469,"punctuated_word":"today","sentiment":"neutral","sentiment_score":0.3168065547943115},{"word":"just","start":41.9,"end":42.06,"confidence":0.9741211,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.3164789080619812},{"word":"to","start":42.06,"end":42.14,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.26884275674819946},{"word":"go","start":42.14,"end":42.405,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2859072983264923},{"word":"through","start":42.405,"end":42.485,"confidence":0.86621094,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.3478277325630188},{"word":"your","start":42.485,"end":42.725,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.31385594606399536},{"word":"updated","start":42.725,"end":43.045,"confidence":0.9941406,"punctuated_word":"updated","sentiment":"positive","sentiment_score":0.3792610168457031},{"word":"statement","start":43.045,"end":43.364998,"confidence":1.0,"punctuated_word":"statement","sentiment":"positive","sentiment_score":0.3465282618999481},{"word":"of","start":43.364998,"end":43.605,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3117636740207672},{"word":"advice","start":43.605,"end":43.925,"confidence":0.99365234,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.31233665347099304},{"word":"is","start":43.925,"end":44.164997,"confidence":0.9980469,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.26524096727371216},{"word":"now","start":44.164997,"end":44.405,"confidence":0.9980469,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.27036023139953613},{"word":"still","start":44.405,"end":44.565,"confidence":0.9970703,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.2641112208366394},{"word":"a","start":44.565,"end":44.645,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.30793580412864685},{"word":"good","start":44.645,"end":44.885,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.26498541235923767},{"word":"time","start":44.885,"end":45.045,"confidence":1.0,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.3338085412979126},{"word":"there","start":45.045,"end":45.285,"confidence":0.99316406,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.34960487484931946},{"word":"for","start":45.285,"end":45.524998,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.28377199172973633},{"word":"you","start":45.524998,"end":46.024998,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.2253614068031311},{"word":"oh","start":47.844997,"end":48.085,"confidence":0.939209,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.3948327600955963},{"word":"fantastic","start":48.085,"end":48.585,"confidence":0.9995117,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.4210472106933594},{"word":"oh","start":50.405,"end":50.725,"confidence":0.96191406,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.06191469728946686},{"word":"not","start":50.725,"end":50.964996,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.046830326318740845},{"word":"very","start":50.964996,"end":51.204998,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.02636389434337616},{"word":"long","start":51.204998,"end":51.524998,"confidence":1.0,"punctuated_word":"long.","sentiment":"neutral","sentiment_score":0.07519900798797607},{"word":"it's","start":51.524998,"end":51.765,"confidence":0.98168945,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.1414410024881363},{"word":"a","start":51.765,"end":51.925,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18287724256515503},{"word":"very","start":51.925,"end":52.165,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.2060849666595459},{"word":"simple","start":52.165,"end":52.565,"confidence":1.0,"punctuated_word":"simple","sentiment":"neutral","sentiment_score":0.18883146345615387},{"word":"one","start":52.565,"end":52.805,"confidence":0.9995117,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.16285207867622375},{"word":"it's","start":52.805,"end":52.964996,"confidence":1.0,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.14512749016284943},{"word":"more","start":52.964996,"end":53.204998,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.11262700706720352},{"word":"just","start":53.204998,"end":53.445,"confidence":0.9941406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13407985866069794},{"word":"about","start":53.445,"end":53.684998,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.09929123520851137},{"word":"retaining","start":53.684998,"end":54.164997,"confidence":0.9675293,"punctuated_word":"retaining,","sentiment":"neutral","sentiment_score":0.1089511141180992},{"word":"obviously","start":54.164997,"end":54.565,"confidence":0.99902344,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.13955804705619812},{"word":"your","start":54.565,"end":54.644997,"confidence":0.8774414,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1292370855808258},{"word":"two","start":54.644997,"end":54.885,"confidence":0.9951172,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.10530281811952592},{"word":"super","start":54.885,"end":55.125,"confidence":0.98291016,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1368589699268341},{"word":"funds","start":55.125,"end":55.445,"confidence":0.96435547,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.127999410033226},{"word":"and","start":55.445,"end":55.605,"confidence":0.9838867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11883466690778732},{"word":"doing","start":55.605,"end":55.844997,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.15010139346122742},{"word":"an","start":55.844997,"end":56.004997,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.17135870456695557},{"word":"investment","start":56.004997,"end":56.485,"confidence":0.9902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.09393922984600069},{"word":"switch","start":56.485,"end":56.805,"confidence":0.96435547,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.12429019808769226},{"word":"in","start":56.805,"end":56.885,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1265457272529602},{"word":"there","start":56.885,"end":57.045,"confidence":0.97265625,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.15352898836135864},{"word":"because","start":57.045,"end":57.285,"confidence":0.44335938,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.11924032121896744},{"word":"i","start":57.285,"end":57.45,"confidence":0.8286133,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11766479164361954},{"word":"have","start":57.45,"end":57.690002,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1167590469121933},{"word":"sort","start":57.690002,"end":57.850002,"confidence":0.99609375,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.12964953482151031},{"word":"of","start":57.850002,"end":58.350002,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1362834870815277},{"word":"found","start":58.65,"end":58.81,"confidence":0.99902344,"punctuated_word":"found","sentiment":"neutral","sentiment_score":0.15985207259655},{"word":"there's","start":58.81,"end":59.13,"confidence":0.80493164,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.15182745456695557},{"word":"some","start":59.13,"end":59.45,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1486862301826477},{"word":"changes","start":59.45,"end":59.77,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.14965783059597015},{"word":"i'd","start":59.77,"end":59.93,"confidence":0.9836426,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.16128090023994446},{"word":"love","start":59.93,"end":60.170002,"confidence":0.9970703,"punctuated_word":"love","sentiment":"neutral","sentiment_score":0.18083122372627256},{"word":"to","start":60.170002,"end":60.25,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23207032680511477},{"word":"make","start":60.25,"end":60.49,"confidence":0.99609375,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.22908541560173035},{"word":"to","start":60.49,"end":60.65,"confidence":0.9194336,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21492351591587067},{"word":"your","start":60.65,"end":60.81,"confidence":0.7890625,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17854002118110657},{"word":"super","start":60.81,"end":61.13,"confidence":0.94189453,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.29317373037338257},{"word":"to","start":61.13,"end":61.29,"confidence":0.9326172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2285109311342239},{"word":"make","start":61.29,"end":61.37,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.19117587804794312},{"word":"sure","start":61.37,"end":61.53,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.15248402953147888},{"word":"they","start":61.53,"end":61.690002,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.15974780917167664},{"word":"are","start":61.690002,"end":61.93,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1468852460384369},{"word":"working","start":61.93,"end":62.09,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.16496795415878296},{"word":"a","start":62.09,"end":62.25,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18770122528076172},{"word":"bit","start":62.25,"end":62.41,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.16859576106071472},{"word":"better","start":62.41,"end":62.81,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.15738071501255035},{"word":"for","start":62.81,"end":62.97,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1816282868385315},{"word":"you","start":62.97,"end":63.47,"confidence":0.8977051,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.13687419891357422},{"word":"but","start":63.690002,"end":63.93,"confidence":0.90625,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.09602351486682892},{"word":"i","start":63.93,"end":64.01,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.057828083634376526},{"word":"can","start":64.01,"end":64.25,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0938182696700096},{"word":"have","start":64.25,"end":64.41,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.14596423506736755},{"word":"it","start":64.41,"end":64.49,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1315326988697052},{"word":"done","start":64.49,"end":64.81,"confidence":0.99902344,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.11204686760902403},{"word":"easily","start":64.81,"end":65.13,"confidence":0.89501953,"punctuated_word":"easily","sentiment":"neutral","sentiment_score":0.19128979742527008},{"word":"in","start":65.13,"end":65.29,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1764700561761856},{"word":"about","start":65.29,"end":65.53,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.14875686168670654},{"word":"ten","start":65.53,"end":65.770004,"confidence":0.97802734,"punctuated_word":"ten,","sentiment":"neutral","sentiment_score":0.1374858915805817},{"word":"fifteen","start":65.770004,"end":66.09,"confidence":1.0,"punctuated_word":"fifteen","sentiment":"neutral","sentiment_score":0.15735843777656555},{"word":"minutes","start":66.09,"end":66.41,"confidence":1.0,"punctuated_word":"minutes","sentiment":"neutral","sentiment_score":0.18346524238586423},{"word":"for","start":66.41,"end":66.57,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12955966591835022},{"word":"you","start":66.57,"end":66.65,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10265151411294936},{"word":"if","start":66.65,"end":66.81,"confidence":0.86035156,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12758196890354156},{"word":"that's","start":66.81,"end":67.05,"confidence":0.935791,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.10404905676841736},{"word":"if","start":67.05,"end":67.21,"confidence":0.9536133,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11134440451860428},{"word":"that's","start":67.21,"end":67.71,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1040712520480156},{"word":"okay","start":67.93,"end":68.43,"confidence":0.97021484,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.10842391103506088},{"word":"that's","start":70.33,"end":70.57,"confidence":0.9946289,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2418796420097351},{"word":"okay","start":70.57,"end":71.05,"confidence":0.9941406,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.2505013048648834},{"word":"beautiful","start":71.05,"end":71.55,"confidence":0.88012695,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.47087013721466064},{"word":"and","start":71.61,"end":71.770004,"confidence":0.6645508,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2884414494037628},{"word":"how's","start":71.770004,"end":72.01,"confidence":0.9904785,"punctuated_word":"how's","sentiment":"neutral","sentiment_score":0.24846695363521576},{"word":"your","start":72.01,"end":72.17,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2121389806270599},{"word":"day","start":72.17,"end":72.41,"confidence":1.0,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.27582454681396484},{"word":"been","start":72.41,"end":72.65,"confidence":0.49414062,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.1669171303510666},{"word":"so","start":72.65,"end":72.81,"confidence":0.9941406,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.16720180213451383},{"word":"far","start":72.81,"end":73.095,"confidence":0.87060547,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.1774890422821045},{"word":"yeah","start":75.335,"end":75.575005,"confidence":0.97924805,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11468181014060974},{"word":"yeah","start":75.575005,"end":75.735,"confidence":0.8808594,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1261758655309677},{"word":"it's","start":75.735,"end":75.895004,"confidence":0.76123047,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.14163075387477875},{"word":"good","start":75.895004,"end":76.055,"confidence":0.99902344,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.1414600908756256},{"word":"you","start":76.055,"end":76.295,"confidence":0.9980469,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.06642530858516693},{"word":"nearly","start":76.295,"end":76.615,"confidence":0.94921875,"punctuated_word":"nearly","sentiment":"neutral","sentiment_score":-0.14118383824825287},{"word":"finished","start":76.615,"end":77.115,"confidence":0.74731445,"punctuated_word":"finished.","sentiment":"neutral","sentiment_score":-0.18218113481998444},{"word":"yeah","start":77.815,"end":78.315,"confidence":0.7208252,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.09694454073905943},{"word":"yeah","start":79.015,"end":79.515,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.11846163868904114},{"word":"absolutely","start":83.095,"end":83.595,"confidence":0.97216797,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":-0.03792424499988556},{"word":"absolutely","start":85.095,"end":85.595,"confidence":0.63513184,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":-0.010741915553808212},{"word":"no","start":85.975,"end":86.295,"confidence":0.96533203,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.04720960184931755},{"word":"all","start":86.295,"end":86.535,"confidence":0.9970703,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.023334890604019165},{"word":"good","start":86.535,"end":87.035,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.025524474680423737},{"word":"now","start":87.095,"end":87.335,"confidence":0.79296875,"punctuated_word":"Now,","sentiment":"neutral","sentiment_score":0.02213418483734131},{"word":"jason","start":87.335,"end":87.735,"confidence":0.99853516,"punctuated_word":"Jason,","sentiment":"neutral","sentiment_score":0.0419277623295784},{"word":"before","start":87.735,"end":87.975,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.04821687191724777},{"word":"i","start":87.975,"end":88.055,"confidence":0.9819336,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.039029620587825775},{"word":"jump","start":88.055,"end":88.215004,"confidence":0.98291016,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.049881625920534134},{"word":"into","start":88.215004,"end":88.44,"confidence":0.83251953,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.036141153424978256},{"word":"the","start":88.44,"end":88.600006,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.047578971832990646},{"word":"call","start":88.600006,"end":88.76,"confidence":0.9951172,"punctuated_word":"call,","sentiment":"neutral","sentiment_score":0.041705213487148285},{"word":"just","start":88.76,"end":88.840004,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07068988680839539},{"word":"to","start":88.840004,"end":88.920006,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06349191069602966},{"word":"let","start":88.920006,"end":89.16,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.07663092017173767},{"word":"you","start":89.16,"end":89.240005,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06073497608304024},{"word":"know","start":89.240005,"end":89.4,"confidence":0.7729492,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.08267632126808167},{"word":"we","start":89.4,"end":89.560005,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0787542313337326},{"word":"do","start":89.560005,"end":89.72,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07992768287658691},{"word":"record","start":89.72,"end":89.96,"confidence":1.0,"punctuated_word":"record","sentiment":"neutral","sentiment_score":0.05515851080417633},{"word":"our","start":89.96,"end":90.12,"confidence":0.9980469,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.03865010663866997},{"word":"calls","start":90.12,"end":90.36,"confidence":0.9902344,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":0.05454121530056},{"word":"for","start":90.36,"end":90.520004,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04301783815026283},{"word":"quality","start":90.520004,"end":90.840004,"confidence":1.0,"punctuated_word":"quality","sentiment":"neutral","sentiment_score":0.05261050909757614},{"word":"and","start":90.840004,"end":91.0,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04834834486246109},{"word":"training","start":91.0,"end":91.32,"confidence":1.0,"punctuated_word":"training","sentiment":"neutral","sentiment_score":0.05293036252260208},{"word":"purposes","start":91.32,"end":91.8,"confidence":0.9909668,"punctuated_word":"purposes.","sentiment":"neutral","sentiment_score":0.07463287562131882},{"word":"are","start":91.8,"end":91.96,"confidence":0.9970703,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.1075551211833954},{"word":"you","start":91.96,"end":92.200005,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11804306507110596},{"word":"happy","start":92.200005,"end":92.520004,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.10984673351049425},{"word":"for","start":92.520004,"end":92.600006,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13397875428199768},{"word":"me","start":92.600006,"end":92.840004,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.09618553519248962},{"word":"to","start":92.840004,"end":93.0,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09549382328987122},{"word":"proceed","start":93.0,"end":93.4,"confidence":1.0,"punctuated_word":"proceed","sentiment":"neutral","sentiment_score":0.1089903712272644},{"word":"with","start":93.4,"end":93.560005,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08700957149267197},{"word":"that","start":93.560005,"end":94.060005,"confidence":0.99853516,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.1018817573785782},{"word":"fantastic","start":95.32,"end":95.82,"confidence":0.99609375,"punctuated_word":"Fantastic.","sentiment":"neutral","sentiment_score":0.30570143461227417},{"word":"and","start":96.44,"end":96.600006,"confidence":0.8774414,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.15587376058101654},{"word":"just","start":96.600006,"end":96.76,"confidence":0.8730469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12878581881523132},{"word":"to","start":96.76,"end":96.92,"confidence":0.5551758,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13681522011756897},{"word":"do","start":96.92,"end":97.0,"confidence":0.9941406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.20274290442466736},{"word":"a","start":97.0,"end":97.08,"confidence":0.94628906,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22259661555290225},{"word":"really","start":97.08,"end":97.32,"confidence":0.99902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.1598881185054779},{"word":"quick","start":97.32,"end":97.560005,"confidence":0.9980469,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.18832184374332428},{"word":"security","start":97.560005,"end":97.96,"confidence":1.0,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.12885914742946625},{"word":"check","start":97.96,"end":98.200005,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.1909384578466415},{"word":"there","start":98.200005,"end":98.36,"confidence":0.9873047,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.22410911321640015},{"word":"with","start":98.36,"end":98.520004,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1995997279882431},{"word":"you","start":98.520004,"end":98.68,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22791004180908203},{"word":"as","start":98.68,"end":98.840004,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2033509612083435},{"word":"well","start":98.840004,"end":99.0,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.15595051646232605},{"word":"just","start":99.0,"end":99.08,"confidence":0.7651367,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2069205343723297},{"word":"to","start":99.08,"end":99.240005,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18186961114406583},{"word":"confirm","start":99.240005,"end":99.64,"confidence":0.9970703,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.15642789006233215},{"word":"your","start":99.64,"end":99.8,"confidence":0.9863281,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1513543576002121},{"word":"full","start":99.8,"end":99.96,"confidence":1.0,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.15618805587291718},{"word":"name","start":99.96,"end":100.200005,"confidence":0.9914551,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":0.12332944571971892},{"word":"your","start":100.200005,"end":100.36,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.119780533015728},{"word":"date","start":100.36,"end":100.520004,"confidence":1.0,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.14469993114471436},{"word":"of","start":100.520004,"end":100.68,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1393752545118332},{"word":"birth","start":100.68,"end":100.840004,"confidence":0.98291016,"punctuated_word":"birth,","sentiment":"neutral","sentiment_score":0.1568816602230072},{"word":"and","start":100.840004,"end":101.0,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1600276380777359},{"word":"address","start":101.0,"end":101.4,"confidence":0.99902344,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.153474822640419},{"word":"i","start":101.4,"end":101.48,"confidence":0.69873047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.20438902080059052},{"word":"should","start":101.48,"end":101.72,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.15944775938987732},{"word":"have","start":101.72,"end":101.880005,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12934888899326324},{"word":"on","start":101.880005,"end":102.135,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.13319173455238342},{"word":"file","start":104.135,"end":104.635,"confidence":0.9343262,"punctuated_word":"file.","sentiment":"neutral","sentiment_score":0.1069498211145401},{"word":"yep","start":105.655,"end":106.155,"confidence":0.84887695,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01428791880607605},{"word":"yep","start":108.055,"end":108.555,"confidence":0.96972656,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01448291540145874},{"word":"fantastic","start":112.775,"end":113.275,"confidence":0.99658203,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.3959200978279114},{"word":"thank","start":113.495,"end":113.735,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.4475823938846588},{"word":"you","start":113.735,"end":113.975006,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4468863010406494},{"word":"so","start":113.975006,"end":114.215004,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.4429451823234558},{"word":"much","start":114.215004,"end":114.455,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.48402971029281616},{"word":"for","start":114.455,"end":114.615005,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4697983264923096},{"word":"that","start":114.615005,"end":114.9,"confidence":1.0,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.4247153103351593},{"word":"so","start":115.380005,"end":115.62,"confidence":0.9279785,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.18987971544265747},{"word":"jason","start":115.62,"end":115.94,"confidence":0.9975586,"punctuated_word":"Jason,","sentiment":"neutral","sentiment_score":0.13624486327171326},{"word":"i","start":115.94,"end":116.1,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11803796142339706},{"word":"have","start":116.1,"end":116.26,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0923580527305603},{"word":"sent","start":116.26,"end":116.42,"confidence":0.9892578,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.10698825120925903},{"word":"a","start":116.42,"end":116.58,"confidence":0.63623047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09805406630039216},{"word":"document","start":116.58,"end":117.06,"confidence":0.984375,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.11700557172298431},{"word":"through","start":117.06,"end":117.3,"confidence":0.9980469,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.11603162437677383},{"word":"to","start":117.3,"end":117.46,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1261919140815735},{"word":"you","start":117.46,"end":117.78,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.12852513790130615},{"word":"are","start":117.78,"end":117.94,"confidence":0.9863281,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.05762863904237747},{"word":"you","start":117.94,"end":118.1,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06973642855882645},{"word":"able","start":118.1,"end":118.5,"confidence":0.99902344,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.054191891103982925},{"word":"to","start":118.5,"end":118.66,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06350383907556534},{"word":"look","start":118.66,"end":118.9,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.0660974383354187},{"word":"at","start":118.9,"end":118.98,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.060352496802806854},{"word":"your","start":118.98,"end":119.3,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04116962105035782},{"word":"emails","start":119.3,"end":119.78,"confidence":0.9428711,"punctuated_word":"emails?","sentiment":"neutral","sentiment_score":0.04977896064519882},{"word":"if","start":119.78,"end":119.94,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.027993492782115936},{"word":"you","start":119.94,"end":120.1,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.043113283812999725},{"word":"can't","start":120.1,"end":120.42,"confidence":0.9977214,"punctuated_word":"can't,","sentiment":"neutral","sentiment_score":0.006081875413656235},{"word":"that's","start":120.42,"end":120.66,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.04404893517494202},{"word":"honestly","start":120.66,"end":121.14,"confidence":0.9941406,"punctuated_word":"honestly","sentiment":"neutral","sentiment_score":0.06863415241241455},{"word":"okay","start":121.14,"end":121.64,"confidence":0.9975586,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.05104726552963257},{"word":"yeah","start":125.94,"end":126.42,"confidence":0.99365234,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01600835844874382},{"word":"just","start":126.42,"end":126.740005,"confidence":0.99121094,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.00940803438425064},{"word":"then","start":126.740005,"end":127.240005,"confidence":0.91430664,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":0.02218760922551155},{"word":"yeah","start":142.115,"end":142.515,"confidence":0.9650879,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1663682609796524},{"word":"so","start":142.515,"end":142.835,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1982932835817337},{"word":"if","start":142.835,"end":142.915,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.23494446277618408},{"word":"you","start":142.915,"end":143.04,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21466293931007385},{"word":"press","start":143.2,"end":143.43999,"confidence":1.0,"punctuated_word":"press","sentiment":"neutral","sentiment_score":0.17141792178153992},{"word":"the","start":143.43999,"end":143.51999,"confidence":0.97802734,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20610208809375763},{"word":"signature","start":143.51999,"end":144.0,"confidence":1.0,"punctuated_word":"signature","sentiment":"neutral","sentiment_score":0.09813316911458968},{"word":"button","start":144.0,"end":144.4,"confidence":0.9980469,"punctuated_word":"button,","sentiment":"neutral","sentiment_score":0.19083881378173828},{"word":"it'll","start":144.4,"end":144.71999,"confidence":0.99609375,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.22332295775413513},{"word":"let","start":144.71999,"end":144.87999,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.29462337493896484},{"word":"you","start":144.87999,"end":145.12,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24616146087646484},{"word":"go","start":145.12,"end":145.36,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2472748756408691},{"word":"through","start":145.36,"end":145.59999,"confidence":0.5571289,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2707277238368988},{"word":"forward","start":145.59999,"end":145.92,"confidence":0.5498047,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":0.30084797739982605},{"word":"so","start":145.92,"end":146.07999,"confidence":0.90478516,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.28384098410606384},{"word":"you","start":146.07999,"end":146.23999,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27593451738357544},{"word":"can","start":146.23999,"end":146.4,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2338830977678299},{"word":"just","start":146.4,"end":146.71999,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.27327167987823486},{"word":"review","start":146.71999,"end":147.12,"confidence":0.9970703,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.21280653774738312},{"word":"the","start":147.12,"end":147.2,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1880929470062256},{"word":"document","start":147.2,"end":147.7,"confidence":0.9975586,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.15522456169128418},{"word":"yep","start":152.71999,"end":153.21999,"confidence":0.8496094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08595973253250122},{"word":"yeah","start":153.92,"end":154.31999,"confidence":0.93652344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.20931047201156616},{"word":"i","start":154.31999,"end":154.48,"confidence":0.8798828,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2373814433813095},{"word":"won't","start":154.48,"end":154.71999,"confidence":0.9909668,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":0.2047438621520996},{"word":"ever","start":154.71999,"end":154.95999,"confidence":0.9980469,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.120000958442688},{"word":"ask","start":154.95999,"end":155.2,"confidence":1.0,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.11508335918188096},{"word":"you","start":155.2,"end":155.35999,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17575964331626892},{"word":"to","start":155.35999,"end":155.43999,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11396921426057816},{"word":"sign","start":155.43999,"end":155.68,"confidence":0.9951172,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.0432947650551796},{"word":"anything","start":155.68,"end":156.0,"confidence":0.98095703,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.08383580297231674},{"word":"you","start":156.0,"end":156.15999,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09708201140165328},{"word":"haven't","start":156.15999,"end":156.56,"confidence":1.0,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":0.07011602818965912},{"word":"read","start":156.56,"end":157.06,"confidence":0.9440918,"punctuated_word":"read,","sentiment":"neutral","sentiment_score":0.0655914768576622},{"word":"but","start":157.505,"end":157.665,"confidence":0.99316406,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.16756188869476318},{"word":"this","start":157.665,"end":157.905,"confidence":0.61621094,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2570632994174957},{"word":"allows","start":157.905,"end":158.22499,"confidence":1.0,"punctuated_word":"allows","sentiment":"neutral","sentiment_score":0.2645370662212372},{"word":"you","start":158.22499,"end":158.465,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3658607602119446},{"word":"to","start":158.465,"end":158.545,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.28216588497161865},{"word":"be","start":158.545,"end":158.785,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2751535177230835},{"word":"able","start":158.785,"end":158.94499,"confidence":0.97998047,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.3213035762310028},{"word":"to","start":158.94499,"end":159.025,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.34716087579727173},{"word":"scroll","start":159.025,"end":159.265,"confidence":1.0,"punctuated_word":"scroll","sentiment":"positive","sentiment_score":0.3738694787025452},{"word":"up","start":159.265,"end":159.425,"confidence":1.0,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.35127022862434387},{"word":"and","start":159.425,"end":159.58499,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3189457058906555},{"word":"down","start":159.58499,"end":159.825,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.33147305250167847},{"word":"so","start":159.825,"end":160.065,"confidence":0.9760742,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.3188745379447937},{"word":"you","start":160.065,"end":160.145,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3556041419506073},{"word":"can","start":160.145,"end":160.385,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.30016520619392395},{"word":"view","start":160.385,"end":160.705,"confidence":1.0,"punctuated_word":"view","sentiment":"positive","sentiment_score":0.33402717113494873},{"word":"the","start":160.705,"end":160.86499,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3195812702178955},{"word":"document","start":160.86499,"end":161.265,"confidence":0.96533203,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.27983149886131287},{"word":"that","start":161.265,"end":161.425,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.2637380361557007},{"word":"way","start":161.425,"end":161.665,"confidence":0.7963867,"punctuated_word":"way,","sentiment":"positive","sentiment_score":0.3461760878562927},{"word":"i'm","start":161.665,"end":161.825,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.29236936569213867},{"word":"not","start":161.825,"end":162.065,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.26048362255096436},{"word":"talking","start":162.065,"end":162.305,"confidence":0.9980469,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":0.1918153166770935},{"word":"at","start":162.305,"end":162.545,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.26542016863822937},{"word":"you","start":162.545,"end":162.705,"confidence":0.7416992,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.2596266269683838},{"word":"and","start":162.705,"end":162.86499,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2609434425830841},{"word":"you","start":162.86499,"end":163.025,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3908020257949829},{"word":"can","start":163.025,"end":163.185,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.31616759300231934},{"word":"see","start":163.185,"end":163.425,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.3243561089038849},{"word":"exactly","start":163.425,"end":163.905,"confidence":1.0,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":0.3034781217575073},{"word":"what","start":163.905,"end":164.065,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.20273736119270325},{"word":"i'm","start":164.065,"end":164.22499,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.20609772205352783},{"word":"talking","start":164.22499,"end":164.625,"confidence":1.0,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":0.16717369854450226},{"word":"about","start":164.625,"end":165.125,"confidence":0.9995117,"punctuated_word":"about.","sentiment":"neutral","sentiment_score":0.16379719972610474},{"word":"yeah","start":165.185,"end":165.685,"confidence":0.970459,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14373748004436493},{"word":"fantastic","start":167.185,"end":167.685,"confidence":0.98583984,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.7241841554641724},{"word":"now","start":167.905,"end":168.22499,"confidence":1.0,"punctuated_word":"Now","sentiment":"positive","sentiment_score":0.4246699512004852},{"word":"on","start":168.22499,"end":168.305,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2512120306491852},{"word":"the","start":168.305,"end":168.465,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.388721764087677},{"word":"front","start":168.465,"end":168.705,"confidence":1.0,"punctuated_word":"front","sentiment":"positive","sentiment_score":0.4020313322544098},{"word":"page","start":168.705,"end":168.94499,"confidence":0.99609375,"punctuated_word":"page","sentiment":"positive","sentiment_score":0.3797191381454468},{"word":"of","start":168.94499,"end":169.025,"confidence":0.99121094,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.372286856174469},{"word":"that","start":169.025,"end":169.185,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2757381498813629},{"word":"document","start":169.185,"end":169.58499,"confidence":0.859375,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.2674158215522766},{"word":"when","start":169.58499,"end":169.745,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.2903170585632324},{"word":"you","start":169.745,"end":169.905,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.31051504611968994},{"word":"are","start":169.905,"end":170.065,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.27079692482948303},{"word":"looking","start":170.065,"end":170.305,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.317703515291214},{"word":"at","start":170.305,"end":170.465,"confidence":0.99902344,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.3420490026473999},{"word":"it","start":170.465,"end":170.545,"confidence":0.9970703,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.2935229539871216},{"word":"it'll","start":170.545,"end":170.785,"confidence":0.9614258,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.28825587034225464},{"word":"say","start":170.785,"end":170.94499,"confidence":0.98828125,"punctuated_word":"say","sentiment":"positive","sentiment_score":0.3822782337665558},{"word":"statement","start":170.94499,"end":171.345,"confidence":0.9536133,"punctuated_word":"statement","sentiment":"positive","sentiment_score":0.4288673400878906},{"word":"of","start":171.345,"end":171.505,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.26223641633987427},{"word":"advice","start":171.505,"end":171.905,"confidence":0.99121094,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.25411269068717957},{"word":"prepared","start":171.905,"end":172.305,"confidence":0.97802734,"punctuated_word":"prepared","sentiment":"neutral","sentiment_score":0.25628846883773804},{"word":"for","start":172.305,"end":172.465,"confidence":0.98828125,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.31722012162208557},{"word":"yourself","start":172.465,"end":172.86499,"confidence":0.984375,"punctuated_word":"yourself,","sentiment":"neutral","sentiment_score":0.3250676393508911},{"word":"jason","start":172.86499,"end":173.16,"confidence":0.94970703,"punctuated_word":"Jason","sentiment":"positive","sentiment_score":0.41218459606170654},{"word":"hale","start":173.32,"end":173.64,"confidence":0.77685547,"punctuated_word":"Hale,","sentiment":"neutral","sentiment_score":0.2521960139274597},{"word":"as","start":173.64,"end":173.88,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2475540041923523},{"word":"of","start":173.88,"end":174.38,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23209448158740997},{"word":"the","start":174.44,"end":174.76001,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26665198802948},{"word":"07/08/2026","start":174.76001,"end":176.6,"confidence":0.9928792,"punctuated_word":"07/08/2026.","sentiment":"neutral","sentiment_score":0.24875536561012268},{"word":"our","start":176.6,"end":176.84,"confidence":0.99121094,"punctuated_word":"Our","sentiment":"neutral","sentiment_score":0.26770108938217163},{"word":"documents","start":176.84,"end":177.32,"confidence":0.99902344,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.2772297263145447},{"word":"are","start":177.32,"end":177.40001,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.29369181394577026},{"word":"valid","start":177.40001,"end":177.72,"confidence":0.99902344,"punctuated_word":"valid","sentiment":"positive","sentiment_score":0.3391513526439667},{"word":"for","start":177.72,"end":177.88,"confidence":0.9902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2333616018295288},{"word":"sixty","start":177.88,"end":178.2,"confidence":0.9892578,"punctuated_word":"sixty","sentiment":"neutral","sentiment_score":0.3166859745979309},{"word":"days","start":178.2,"end":178.36,"confidence":0.9980469,"punctuated_word":"days","sentiment":"neutral","sentiment_score":0.22719469666481015},{"word":"from","start":178.36,"end":178.6,"confidence":0.99609375,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.21929869055747983},{"word":"the","start":178.6,"end":178.68001,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2577122151851654},{"word":"date","start":178.68001,"end":178.92,"confidence":0.98535156,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.17283648252487183},{"word":"on","start":178.92,"end":179.0,"confidence":0.99609375,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.18802066147327423},{"word":"the","start":179.0,"end":179.08,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2688552141189575},{"word":"front","start":179.08,"end":179.32,"confidence":0.99902344,"punctuated_word":"front","sentiment":"neutral","sentiment_score":0.24035805463790896},{"word":"of","start":179.32,"end":179.40001,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3002898693084717},{"word":"the","start":179.40001,"end":179.56,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3080731928348541},{"word":"document","start":179.56,"end":180.04001,"confidence":0.9970703,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.2998482286930084},{"word":"there","start":180.04001,"end":180.54001,"confidence":0.9951172,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.24919524788856504},{"word":"on","start":180.92,"end":181.08,"confidence":0.99609375,"punctuated_word":"On","sentiment":"neutral","sentiment_score":0.175820454955101},{"word":"the","start":181.08,"end":181.24,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2034156620502472},{"word":"bottom","start":181.24,"end":181.48001,"confidence":1.0,"punctuated_word":"bottom","sentiment":"neutral","sentiment_score":0.17748333513736725},{"word":"of","start":181.48001,"end":181.64,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22759011387825012},{"word":"the","start":181.64,"end":181.8,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20239324867725372},{"word":"front","start":181.8,"end":182.04001,"confidence":1.0,"punctuated_word":"front","sentiment":"neutral","sentiment_score":0.17702504992485046},{"word":"page","start":182.04001,"end":182.36,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.2173381149768829},{"word":"has","start":182.36,"end":182.52,"confidence":0.8071289,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.14780521392822266},{"word":"my","start":182.52,"end":182.68001,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.1705641895532608},{"word":"authorized","start":182.68001,"end":183.18001,"confidence":0.9980469,"punctuated_word":"authorized","sentiment":"neutral","sentiment_score":0.18592317402362823},{"word":"representative","start":183.24,"end":183.74,"confidence":1.0,"punctuated_word":"representative","sentiment":"neutral","sentiment_score":0.10841910541057588},{"word":"number","start":183.8,"end":184.04001,"confidence":0.85961914,"punctuated_word":"number.","sentiment":"neutral","sentiment_score":0.17204982042312622},{"word":"so","start":184.04001,"end":184.2,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1954902410507202},{"word":"i'm","start":184.2,"end":184.36,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.16643026471138},{"word":"a","start":184.36,"end":184.44,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12892261147499084},{"word":"licensed","start":184.44,"end":184.84,"confidence":0.9873047,"punctuated_word":"licensed","sentiment":"neutral","sentiment_score":0.1665821075439453},{"word":"financial","start":184.84,"end":185.34,"confidence":0.98535156,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.197131872177124},{"word":"adviser","start":185.40001,"end":185.8,"confidence":0.88183594,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":0.13992388546466827},{"word":"registered","start":185.8,"end":186.28,"confidence":0.94628906,"punctuated_word":"registered","sentiment":"neutral","sentiment_score":0.14251592755317688},{"word":"through","start":186.28,"end":186.52,"confidence":0.97509766,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1743411421775818},{"word":"asic","start":186.52,"end":186.76001,"confidence":0.63549805,"punctuated_word":"ASIC,","sentiment":"neutral","sentiment_score":0.1820858120918274},{"word":"and","start":186.76001,"end":186.92,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16577640175819397},{"word":"my","start":186.92,"end":187.16,"confidence":0.9741211,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.1578873246908188},{"word":"registration","start":187.16,"end":187.66,"confidence":0.8857422,"punctuated_word":"registration","sentiment":"neutral","sentiment_score":0.139736607670784},{"word":"number","start":187.93501,"end":188.175,"confidence":0.98535156,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.13313442468643188},{"word":"is","start":188.175,"end":188.41501,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1683105826377869},{"word":"1304394","start":188.41501,"end":190.735,"confidence":1.0,"punctuated_word":"1304394.","sentiment":"neutral","sentiment_score":0.2127627283334732},{"word":"okay","start":190.735,"end":191.235,"confidence":0.9885254,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.12894338369369507},{"word":"the","start":192.895,"end":193.05501,"confidence":0.671875,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.17565396428108215},{"word":"next","start":193.05501,"end":193.29501,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.15341518819332123},{"word":"couple","start":193.29501,"end":193.535,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.13725683093070984},{"word":"of","start":193.535,"end":193.615,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15106555819511414},{"word":"pages","start":193.615,"end":194.01501,"confidence":0.9980469,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":0.10841738432645798},{"word":"run","start":194.01501,"end":194.175,"confidence":0.94628906,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.14431726932525635},{"word":"you","start":194.175,"end":194.335,"confidence":0.9838867,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14878016710281372},{"word":"through","start":194.335,"end":194.49501,"confidence":0.89746094,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.13431498408317566},{"word":"the","start":194.49501,"end":194.57501,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10966239869594574},{"word":"best","start":194.57501,"end":194.815,"confidence":0.99902344,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.10877931863069534},{"word":"interest","start":194.815,"end":195.21501,"confidence":0.9394531,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.08772476762533188},{"word":"duty","start":195.21501,"end":195.535,"confidence":0.6333008,"punctuated_word":"duty,","sentiment":"neutral","sentiment_score":0.12273972481489182},{"word":"the","start":195.535,"end":195.615,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1140054538846016},{"word":"table","start":195.615,"end":196.01501,"confidence":0.99902344,"punctuated_word":"table","sentiment":"neutral","sentiment_score":0.10284608602523804},{"word":"of","start":196.01501,"end":196.175,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04507747292518616},{"word":"contents","start":196.175,"end":196.675,"confidence":0.8371582,"punctuated_word":"contents,","sentiment":"neutral","sentiment_score":0.0736895278096199},{"word":"and","start":196.735,"end":196.895,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1341715157032013},{"word":"areas","start":196.895,"end":197.21501,"confidence":0.9980469,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":0.15847742557525635},{"word":"that","start":197.21501,"end":197.375,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12774775922298431},{"word":"we","start":197.375,"end":197.535,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1601930409669876},{"word":"are","start":197.535,"end":197.77501,"confidence":0.9506836,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.12968342006206512},{"word":"scoping","start":197.77501,"end":198.175,"confidence":0.9284668,"punctuated_word":"scoping","sentiment":"neutral","sentiment_score":0.1669463813304901},{"word":"in","start":198.175,"end":198.41501,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15358009934425354},{"word":"and","start":198.41501,"end":198.57501,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14368796348571777},{"word":"out","start":198.57501,"end":198.735,"confidence":0.9921875,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.14561405777931213},{"word":"with","start":198.735,"end":198.975,"confidence":0.9951172,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.17004215717315674},{"word":"regards","start":198.975,"end":199.455,"confidence":0.9350586,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.127734437584877},{"word":"to","start":199.455,"end":199.535,"confidence":0.9741211,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20703843235969543},{"word":"the","start":199.535,"end":199.615,"confidence":0.9604492,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1978023797273636},{"word":"advice","start":199.615,"end":200.115,"confidence":0.9650879,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.15139591693878174},{"word":"when","start":200.66,"end":200.81999,"confidence":0.9902344,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.08477142453193665},{"word":"we","start":200.81999,"end":200.98,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09929978847503662},{"word":"did","start":200.98,"end":201.22,"confidence":0.99316406,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.08630482107400894},{"word":"your","start":201.22,"end":201.37999,"confidence":0.7973633,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1242026537656784},{"word":"annual","start":201.37999,"end":201.7,"confidence":0.9243164,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.07535357773303986},{"word":"review","start":201.7,"end":201.94,"confidence":0.99902344,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.06907367706298828},{"word":"last","start":201.94,"end":202.18,"confidence":0.8823242,"punctuated_word":"last,","sentiment":"neutral","sentiment_score":0.04144939035177231},{"word":"we","start":202.18,"end":202.34,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0911266878247261},{"word":"sort","start":202.34,"end":202.58,"confidence":0.9902344,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.0352344736456871},{"word":"of","start":202.58,"end":202.66,"confidence":0.77246094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.049017488956451416},{"word":"talked","start":202.66,"end":202.9,"confidence":0.9980469,"punctuated_word":"talked","sentiment":"neutral","sentiment_score":0.07871963828802109},{"word":"about","start":202.9,"end":203.22,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.08910895884037018},{"word":"looking","start":203.22,"end":203.45999,"confidence":0.96972656,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.097677044570446},{"word":"at","start":203.45999,"end":203.54,"confidence":0.9921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.044934481382369995},{"word":"the","start":203.54,"end":203.7,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.026991277933120728},{"word":"retention","start":203.7,"end":204.18,"confidence":0.9980469,"punctuated_word":"retention","sentiment":"neutral","sentiment_score":0.03322590887546539},{"word":"side","start":204.18,"end":204.42,"confidence":1.0,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.06865277141332626},{"word":"of","start":204.42,"end":204.5,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11618231236934662},{"word":"things","start":204.5,"end":204.9,"confidence":0.9641113,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.09056487679481506},{"word":"so","start":204.9,"end":205.22,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.056079939007759094},{"word":"you","start":205.22,"end":205.37999,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0796518325805664},{"word":"had","start":205.37999,"end":205.62,"confidence":0.9838867,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.014636300504207613},{"word":"a","start":205.62,"end":205.7,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08947083353996277},{"word":"bit","start":205.7,"end":205.86,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.07974664121866226},{"word":"of","start":205.86,"end":205.94,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0684795081615448},{"word":"extra","start":205.94,"end":206.26,"confidence":0.99609375,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.01959940791130066},{"word":"money","start":206.26,"end":206.5,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.003964528441429138},{"word":"sitting","start":206.5,"end":206.81999,"confidence":1.0,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.003841221332550049},{"word":"in","start":206.81999,"end":206.9,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.02035871148109436},{"word":"your","start":206.9,"end":207.14,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1024741679430008},{"word":"c","start":207.14,"end":207.3,"confidence":0.35546875,"punctuated_word":"c","sentiment":"neutral","sentiment_score":-0.009403571486473083},{"word":"bus","start":207.3,"end":207.45999,"confidence":0.55371094,"punctuated_word":"bus","sentiment":"neutral","sentiment_score":-0.0066657960414886475},{"word":"account","start":207.45999,"end":207.78,"confidence":0.99194336,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.00906813144683838},{"word":"we","start":207.78,"end":207.94,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.1624029129743576},{"word":"wanted","start":207.94,"end":208.26,"confidence":0.9614258,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.1576199233531952},{"word":"to","start":208.26,"end":208.34,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21038132905960083},{"word":"go","start":208.34,"end":208.58,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.18739306926727295},{"word":"back","start":208.58,"end":208.73999,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.16827020049095154},{"word":"and","start":208.73999,"end":208.9,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17104394733905792},{"word":"review","start":208.9,"end":209.3,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.17408403754234314},{"word":"the","start":209.3,"end":209.45999,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20385503768920896},{"word":"investments","start":209.45999,"end":209.94,"confidence":0.9921875,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.0877065509557724},{"word":"within","start":209.94,"end":210.34,"confidence":1.0,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.17282803356647491},{"word":"hub","start":210.34,"end":210.58,"confidence":0.7026367,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.18953824043273929},{"word":"twenty","start":210.58,"end":210.81999,"confidence":0.99316406,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.3288823664188385},{"word":"four","start":210.81999,"end":211.06,"confidence":0.99902344,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.23610858619213104},{"word":"and","start":211.06,"end":211.3,"confidence":0.9038086,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2339320927858353},{"word":"c","start":211.3,"end":211.45999,"confidence":0.96777344,"punctuated_word":"c","sentiment":"neutral","sentiment_score":0.2497486025094986},{"word":"bus","start":211.45999,"end":211.78,"confidence":0.9716797,"punctuated_word":"bus","sentiment":"neutral","sentiment_score":0.27101168036460876},{"word":"to","start":211.78,"end":211.86,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16886289417743683},{"word":"make","start":211.86,"end":212.09999,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.16744521260261536},{"word":"sure","start":212.09999,"end":212.355,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.20135757327079773},{"word":"that","start":212.355,"end":212.595,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2567971646785736},{"word":"everything","start":212.595,"end":212.83499,"confidence":1.0,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.3694295883178711},{"word":"was","start":212.83499,"end":213.33499,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.2553759813308716},{"word":"in","start":213.39499,"end":213.555,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2933586835861206},{"word":"line","start":213.555,"end":213.795,"confidence":1.0,"punctuated_word":"line","sentiment":"neutral","sentiment_score":0.30512410402297974},{"word":"with","start":213.795,"end":213.955,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2831806242465973},{"word":"your","start":213.955,"end":214.19499,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.29811063408851624},{"word":"risk","start":214.19499,"end":214.435,"confidence":0.99902344,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.1137194037437439},{"word":"profile","start":214.435,"end":214.935,"confidence":0.98535156,"punctuated_word":"profile.","sentiment":"neutral","sentiment_score":0.09381495416164398},{"word":"you're","start":215.39499,"end":215.715,"confidence":0.79296875,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.11208826303482056},{"word":"also","start":215.715,"end":215.955,"confidence":0.99121094,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.09020259976387024},{"word":"in","start":215.955,"end":216.11499,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06580430269241333},{"word":"that","start":216.11499,"end":216.355,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07682228088378906},{"word":"growth","start":216.355,"end":216.83499,"confidence":0.9892578,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.006818249821662903},{"word":"environment","start":216.83499,"end":217.315,"confidence":0.9152832,"punctuated_word":"environment,","sentiment":"neutral","sentiment_score":0.06646256893873215},{"word":"and","start":217.315,"end":217.47499,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06382657587528229},{"word":"you","start":217.47499,"end":217.635,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19061221182346344},{"word":"wanted","start":217.635,"end":217.955,"confidence":0.94189453,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.1652175337076187},{"word":"to","start":217.955,"end":218.03499,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19883914291858673},{"word":"take","start":218.03499,"end":218.19499,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.19740299880504608},{"word":"on","start":218.19499,"end":218.355,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.136124387383461},{"word":"a","start":218.355,"end":218.435,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1574639081954956},{"word":"little","start":218.435,"end":218.67499,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.05975951254367829},{"word":"bit","start":218.67499,"end":218.83499,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.022452369332313538},{"word":"more","start":218.83499,"end":218.995,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.0645408034324646},{"word":"risk","start":218.995,"end":219.235,"confidence":0.9819336,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.08746781945228577},{"word":"to","start":219.235,"end":219.39499,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12575949728488922},{"word":"get","start":219.39499,"end":219.635,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2566296458244324},{"word":"a","start":219.635,"end":219.715,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18511417508125305},{"word":"bit","start":219.715,"end":219.875,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1059637814760208},{"word":"more","start":219.875,"end":220.11499,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.17287948727607727},{"word":"growth","start":220.11499,"end":220.355,"confidence":0.9970703,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.19361527264118197},{"word":"out","start":220.355,"end":220.515,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.29952216148376465},{"word":"of","start":220.515,"end":220.595,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2520160675048828},{"word":"your","start":220.595,"end":220.83499,"confidence":0.9921875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.31374216079711914},{"word":"super","start":220.83499,"end":221.155,"confidence":0.8183594,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.3434267044067383},{"word":"as","start":221.155,"end":221.315,"confidence":0.86572266,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2696921229362488},{"word":"we","start":221.315,"end":221.47499,"confidence":0.95947266,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.29151487350463867},{"word":"work","start":221.47499,"end":221.715,"confidence":0.9614258,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.3019767999649048},{"word":"towards","start":221.715,"end":222.11499,"confidence":0.9980469,"punctuated_word":"towards","sentiment":"positive","sentiment_score":0.3334103226661682},{"word":"your","start":222.11499,"end":222.355,"confidence":0.99121094,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3617128133773804},{"word":"retirement","start":222.355,"end":222.855,"confidence":0.99902344,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.19439393281936648},{"word":"goals","start":222.915,"end":223.235,"confidence":0.9902344,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.2538067102432251},{"word":"there","start":223.235,"end":223.735,"confidence":0.9921875,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.219425305724144},{"word":"you","start":224.03499,"end":224.19499,"confidence":0.9707031,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.1954314410686493},{"word":"were","start":224.19499,"end":224.355,"confidence":0.9111328,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.15982604026794434},{"word":"hoping","start":224.355,"end":224.67499,"confidence":1.0,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":0.2690240740776062},{"word":"to","start":224.67499,"end":224.83499,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.28804194927215576},{"word":"be","start":224.83499,"end":224.915,"confidence":0.8774414,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.27984488010406494},{"word":"able","start":224.915,"end":225.075,"confidence":0.95703125,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.3527817130088806},{"word":"to","start":225.075,"end":225.235,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3548658490180969},{"word":"access","start":225.235,"end":225.635,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.30006781220436096},{"word":"super","start":225.635,"end":225.875,"confidence":0.9770508,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.4395240843296051},{"word":"at","start":225.875,"end":226.03499,"confidence":0.9892578,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.3122158348560333},{"word":"around","start":226.03499,"end":226.355,"confidence":0.984375,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.27825236320495605},{"word":"about","start":226.355,"end":226.67499,"confidence":0.9550781,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.24900105595588684},{"word":"age","start":226.67499,"end":226.995,"confidence":0.9790039,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.23184414207935333},{"word":"65","start":226.995,"end":227.58,"confidence":0.9645996,"punctuated_word":"65.","sentiment":"neutral","sentiment_score":0.303641140460968},{"word":"so","start":227.58,"end":227.74,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16387785971164703},{"word":"we've","start":227.74,"end":227.98,"confidence":0.9658203,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.20956532657146457},{"word":"looked","start":227.98,"end":228.06,"confidence":0.8925781,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":0.19428399205207825},{"word":"at","start":228.06,"end":228.3,"confidence":0.921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2183879315853119},{"word":"increasing","start":228.3,"end":228.78,"confidence":0.99902344,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":0.23500531911849976},{"word":"your","start":228.78,"end":229.02,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.18887406587600708},{"word":"risk","start":229.02,"end":229.26,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.07239940762519836},{"word":"level","start":229.26,"end":229.58,"confidence":0.99902344,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.0432354211807251},{"word":"a","start":229.58,"end":229.66,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14582955837249756},{"word":"little","start":229.66,"end":229.82,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.13164374232292175},{"word":"bit","start":229.82,"end":230.06,"confidence":0.92456055,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":0.09830359369516373},{"word":"but","start":230.06,"end":230.22,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.1573372632265091},{"word":"also","start":230.22,"end":230.62,"confidence":0.85498047,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.13045881688594818},{"word":"readjusting","start":230.62,"end":231.12,"confidence":0.99576825,"punctuated_word":"readjusting","sentiment":"neutral","sentiment_score":0.17811785638332367},{"word":"your","start":231.26,"end":231.5,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08159531652927399},{"word":"portfolio","start":231.5,"end":232.0,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.02706471085548401},{"word":"to","start":232.46,"end":232.54001,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15491393208503723},{"word":"make","start":232.54001,"end":232.78,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.16459834575653076},{"word":"sure","start":232.78,"end":232.94,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.190201073884964},{"word":"that","start":232.94,"end":233.1,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.234094500541687},{"word":"you're","start":233.1,"end":233.42,"confidence":0.99658203,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.23959855735301971},{"word":"inside","start":233.42,"end":233.82,"confidence":0.99902344,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":0.25211459398269653},{"word":"that","start":233.82,"end":234.06,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14233843982219696},{"word":"risk","start":234.06,"end":234.38,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.05013485252857208},{"word":"level","start":234.38,"end":234.62,"confidence":0.9597168,"punctuated_word":"level,","sentiment":"neutral","sentiment_score":0.12374132126569748},{"word":"but","start":234.62,"end":234.86,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2608019709587097},{"word":"also","start":234.86,"end":235.1,"confidence":0.87060547,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.22904936969280243},{"word":"that","start":235.1,"end":235.34,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11998015642166138},{"word":"your","start":235.34,"end":235.58,"confidence":0.9892578,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19297757744789124},{"word":"super","start":235.58,"end":236.06,"confidence":0.96777344,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2942904829978943},{"word":"fund","start":236.06,"end":236.3,"confidence":0.96240234,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.28703588247299194},{"word":"is","start":236.3,"end":236.54001,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.23604273796081543},{"word":"working","start":236.54001,"end":236.86,"confidence":1.0,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.33812159299850464},{"word":"at","start":236.86,"end":237.02,"confidence":0.9941406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2976391911506653},{"word":"its","start":237.02,"end":237.18001,"confidence":0.9863281,"punctuated_word":"its","sentiment":"neutral","sentiment_score":0.305357426404953},{"word":"best","start":237.18001,"end":237.42,"confidence":0.99902344,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.25484493374824524},{"word":"possible","start":237.42,"end":237.92,"confidence":1.0,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":0.22034816443920135},{"word":"capacity","start":237.98,"end":238.48,"confidence":1.0,"punctuated_word":"capacity.","sentiment":"neutral","sentiment_score":0.20468832552433017},{"word":"okay","start":238.86,"end":239.36,"confidence":0.9440918,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.1305350661277771},{"word":"i've","start":241.195,"end":241.515,"confidence":0.98339844,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.13694344460964203},{"word":"also","start":241.515,"end":241.835,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.08105938136577606},{"word":"scoped","start":241.835,"end":242.155,"confidence":0.96777344,"punctuated_word":"scoped","sentiment":"neutral","sentiment_score":0.1606599986553192},{"word":"in","start":242.155,"end":242.315,"confidence":0.96777344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16565294563770294},{"word":"the","start":242.315,"end":242.395,"confidence":0.70458984,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1347969025373459},{"word":"estate","start":242.395,"end":242.715,"confidence":0.94628906,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.16846789419651031},{"word":"planning","start":242.715,"end":243.115,"confidence":0.99902344,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.21581971645355225},{"word":"side","start":243.115,"end":243.355,"confidence":0.8076172,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.12008876353502274},{"word":"of","start":243.355,"end":243.435,"confidence":0.9140625,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18530502915382385},{"word":"things","start":243.435,"end":243.755,"confidence":0.7163086,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":-0.04221140965819359},{"word":"so","start":243.755,"end":243.835,"confidence":0.59277344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14306698739528656},{"word":"just","start":243.835,"end":244.075,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16592654585838318},{"word":"making","start":244.075,"end":244.315,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.14612367749214172},{"word":"sure","start":244.315,"end":244.55501,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.1322210282087326},{"word":"that","start":244.55501,"end":244.715,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14096632599830627},{"word":"in","start":244.715,"end":244.955,"confidence":0.99316406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12422138452529909},{"word":"the","start":244.955,"end":245.035,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14535273611545563},{"word":"event","start":245.035,"end":245.435,"confidence":0.99902344,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.1992556154727936},{"word":"of","start":245.435,"end":245.675,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1442038118839264},{"word":"passing","start":245.675,"end":246.155,"confidence":0.7805176,"punctuated_word":"passing,","sentiment":"neutral","sentiment_score":0.14141859114170074},{"word":"that","start":246.155,"end":246.395,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1094900593161583},{"word":"your","start":246.395,"end":246.795,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1452307105064392},{"word":"beneficiary","start":246.795,"end":247.295,"confidence":0.9951172,"punctuated_word":"beneficiary","sentiment":"neutral","sentiment_score":0.19974686205387115},{"word":"nominations","start":247.515,"end":248.015,"confidence":1.0,"punctuated_word":"nominations","sentiment":"neutral","sentiment_score":0.1854124367237091},{"word":"are","start":248.075,"end":248.315,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.13495314121246338},{"word":"up","start":248.315,"end":248.475,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.16101033985614777},{"word":"to","start":248.475,"end":248.55501,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18686020374298096},{"word":"date","start":248.55501,"end":248.875,"confidence":1.0,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.21140863001346588},{"word":"to","start":248.875,"end":249.035,"confidence":0.9716797,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18002896010875702},{"word":"make","start":249.035,"end":249.195,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.18563205003738403},{"word":"sure","start":249.195,"end":249.435,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.17839324474334717},{"word":"all","start":249.435,"end":249.595,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.20636965334415436},{"word":"the","start":249.595,"end":249.675,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.172550767660141},{"word":"proceeds","start":249.675,"end":250.155,"confidence":0.99902344,"punctuated_word":"proceeds","sentiment":"neutral","sentiment_score":0.243722066283226},{"word":"are","start":250.155,"end":250.315,"confidence":0.9941406,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.16555021703243256},{"word":"passed","start":250.315,"end":250.63501,"confidence":0.99316406,"punctuated_word":"passed","sentiment":"neutral","sentiment_score":0.22173334658145905},{"word":"to","start":250.63501,"end":250.715,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15270081162452698},{"word":"your","start":250.715,"end":250.955,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15230123698711395},{"word":"wife","start":250.955,"end":251.195,"confidence":1.0,"punctuated_word":"wife","sentiment":"neutral","sentiment_score":0.16998079419136047},{"word":"in","start":251.195,"end":251.355,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12912501394748688},{"word":"the","start":251.355,"end":251.435,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14900296926498413},{"word":"event","start":251.435,"end":251.755,"confidence":1.0,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.10916230827569962},{"word":"that","start":251.755,"end":251.91501,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12564465403556824},{"word":"something","start":251.91501,"end":252.315,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.14251503348350525},{"word":"happens","start":252.315,"end":252.715,"confidence":0.99902344,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":0.09829723834991456},{"word":"to","start":252.715,"end":252.9,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07733005285263062},{"word":"you","start":255.29999,"end":255.78,"confidence":0.99853516,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.03569703921675682},{"word":"we","start":255.78,"end":256.02,"confidence":0.75341797,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.0004008412361145019},{"word":"are","start":256.02,"end":256.25998,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.01849229633808136},{"word":"not","start":256.25998,"end":256.5,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.05208347737789154},{"word":"making","start":256.5,"end":256.74,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.0009372234344482422},{"word":"any","start":256.74,"end":256.97998,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.13376665115356445},{"word":"new","start":256.97998,"end":257.22,"confidence":0.99902344,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.1892235577106476},{"word":"recommendations","start":257.22,"end":257.72,"confidence":0.99902344,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":-0.11252860724925996},{"word":"around","start":258.1,"end":258.41998,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.11579761654138564},{"word":"tv","start":258.41998,"end":258.82,"confidence":0.20678711,"punctuated_word":"TV","sentiment":"neutral","sentiment_score":-0.11743488907814026},{"word":"or","start":258.82,"end":258.97998,"confidence":0.5566406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.15743523836135864},{"word":"income","start":258.97998,"end":259.38,"confidence":0.96533203,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.15950588881969452},{"word":"protection","start":259.38,"end":259.86,"confidence":0.7429199,"punctuated_word":"protection,","sentiment":"neutral","sentiment_score":-0.07074567675590515},{"word":"so","start":259.86,"end":260.1,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.002856209874153137},{"word":"you","start":260.1,"end":260.25998,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12705400586128235},{"word":"are","start":260.25998,"end":260.34,"confidence":0.9741211,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.16539911925792694},{"word":"happy","start":260.34,"end":260.66,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.2224915325641632},{"word":"with","start":260.66,"end":260.82,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.17313198745250702},{"word":"the","start":260.82,"end":260.9,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11961087584495544},{"word":"level","start":260.9,"end":261.22,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.19346825778484344},{"word":"of","start":261.22,"end":261.38,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09242977201938628},{"word":"cover","start":261.38,"end":261.69998,"confidence":0.91259766,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.06887933611869812},{"word":"you","start":261.69998,"end":261.86,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04699471592903137},{"word":"had","start":261.86,"end":262.1,"confidence":0.98828125,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.03815259039402008},{"word":"in","start":262.1,"end":262.34,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03628145158290863},{"word":"c","start":262.34,"end":262.5,"confidence":0.41357422,"punctuated_word":"c","sentiment":"neutral","sentiment_score":0.046697478741407394},{"word":"bus","start":262.5,"end":262.74,"confidence":0.5678711,"punctuated_word":"bus","sentiment":"neutral","sentiment_score":0.15448731184005737},{"word":"at","start":262.74,"end":262.9,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05835682153701782},{"word":"the","start":262.9,"end":262.97998,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03467439115047455},{"word":"moment","start":262.97998,"end":263.47998,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.1344487965106964},{"word":"and","start":263.69998,"end":263.78,"confidence":0.7314453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10184399783611298},{"word":"your","start":263.78,"end":264.02,"confidence":0.9038086,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1310010403394699},{"word":"personally","start":264.02,"end":264.41998,"confidence":0.9873047,"punctuated_word":"personally","sentiment":"neutral","sentiment_score":0.20790688693523407},{"word":"paid","start":264.41998,"end":264.74,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.17450781166553497},{"word":"direct","start":264.74,"end":265.13998,"confidence":0.94921875,"punctuated_word":"direct","sentiment":"neutral","sentiment_score":0.15669068694114685},{"word":"policy","start":265.13998,"end":265.53998,"confidence":0.99902344,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.19761554896831512},{"word":"with","start":265.53998,"end":265.69998,"confidence":0.55908203,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.20531046390533447},{"word":"the","start":265.69998,"end":265.86,"confidence":0.55908203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12011995911598206},{"word":"income","start":265.86,"end":266.18,"confidence":0.9980469,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.0597153902053833},{"word":"protection","start":266.18,"end":266.68,"confidence":0.9980469,"punctuated_word":"protection.","sentiment":"neutral","sentiment_score":0.033240996301174164},{"word":"we","start":267.36502,"end":267.52502,"confidence":0.9921875,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.025867201387882233},{"word":"just","start":267.52502,"end":267.845,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0508541613817215},{"word":"want","start":267.845,"end":268.165,"confidence":0.9873047,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.07950681447982788},{"word":"to","start":268.165,"end":268.565,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09624458849430084},{"word":"retain","start":268.565,"end":269.045,"confidence":0.9604492,"punctuated_word":"retain,","sentiment":"neutral","sentiment_score":0.07773347944021225},{"word":"obviously","start":269.045,"end":269.445,"confidence":0.9995117,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.1017887219786644},{"word":"the","start":269.445,"end":269.605,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13220614194869995},{"word":"c","start":269.605,"end":269.765,"confidence":0.5546875,"punctuated_word":"c","sentiment":"neutral","sentiment_score":0.06602204591035843},{"word":"bus","start":269.765,"end":270.08502,"confidence":0.7192383,"punctuated_word":"bus","sentiment":"neutral","sentiment_score":0.07862544804811478},{"word":"account","start":270.08502,"end":270.405,"confidence":0.95703125,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.10807506740093233},{"word":"to","start":270.405,"end":270.48502,"confidence":0.96533203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0874851793050766},{"word":"retain","start":270.48502,"end":270.80502,"confidence":0.99902344,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.0988440215587616},{"word":"the","start":270.80502,"end":270.96503,"confidence":0.91845703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13809122145175934},{"word":"level","start":270.96503,"end":271.285,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.12009225785732268},{"word":"of","start":271.285,"end":271.36502,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11430062353610992},{"word":"cover","start":271.36502,"end":271.605,"confidence":0.9980469,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.05384749919176102},{"word":"you","start":271.605,"end":271.845,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13558273017406464},{"word":"have","start":271.845,"end":272.345,"confidence":0.99316406,"punctuated_word":"have.","sentiment":"neutral","sentiment_score":0.034031160175800323},{"word":"however","start":272.405,"end":272.885,"confidence":1.0,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":-0.015783965587615967},{"word":"it's","start":272.885,"end":273.045,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.013337088748812675},{"word":"been","start":273.045,"end":273.36502,"confidence":0.9482422,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.0293409526348114},{"word":"limited","start":273.36502,"end":273.845,"confidence":0.9970703,"punctuated_word":"limited","sentiment":"neutral","sentiment_score":-0.05824704468250275},{"word":"scoped","start":273.845,"end":274.165,"confidence":0.89868164,"punctuated_word":"scoped","sentiment":"neutral","sentiment_score":-0.06278303265571594},{"word":"into","start":274.165,"end":274.405,"confidence":0.9951172,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.06049831211566925},{"word":"the","start":274.405,"end":274.565,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06328074634075165},{"word":"advice","start":274.565,"end":274.96503,"confidence":0.8520508,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.06787354499101639},{"word":"because","start":274.96503,"end":275.36502,"confidence":0.9111328,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.07241468876600266},{"word":"the","start":275.36502,"end":275.52502,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05473066866397858},{"word":"cover","start":275.52502,"end":275.845,"confidence":1.0,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.07233951985836029},{"word":"is","start":275.845,"end":276.005,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.014999307692050934},{"word":"paid","start":276.005,"end":276.24503,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.05771038681268692},{"word":"out","start":276.24503,"end":276.405,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.05117962509393692},{"word":"of","start":276.405,"end":276.48502,"confidence":0.9741211,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06938085705041885},{"word":"your","start":276.48502,"end":276.725,"confidence":0.9941406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.03586255759000778},{"word":"super","start":276.725,"end":277.125,"confidence":0.8547363,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":-0.020672626793384552},{"word":"so","start":277.125,"end":277.285,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.01091396063566208},{"word":"it","start":277.285,"end":277.445,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15089580416679382},{"word":"does","start":277.445,"end":277.685,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.06132075190544128},{"word":"have","start":277.685,"end":277.845,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.059148430824279785},{"word":"an","start":277.845,"end":278.005,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.04336509108543396},{"word":"effect","start":278.005,"end":278.405,"confidence":0.9970703,"punctuated_word":"effect","sentiment":"neutral","sentiment_score":0.07197681069374084},{"word":"on","start":278.405,"end":278.565,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1149764358997345},{"word":"your","start":278.565,"end":278.80502,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1115083545446396},{"word":"overall","start":278.80502,"end":279.30502,"confidence":1.0,"punctuated_word":"overall","sentiment":"neutral","sentiment_score":0.11336678266525269},{"word":"retirement","start":279.52502,"end":280.02502,"confidence":0.9873047,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.012926936149597168},{"word":"projections","start":280.165,"end":280.665,"confidence":0.9584961,"punctuated_word":"projections.","sentiment":"neutral","sentiment_score":0.002874210476875305},{"word":"so","start":280.80502,"end":281.30502,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05547815561294556},{"word":"whilst","start":281.55,"end":281.79,"confidence":0.9892578,"punctuated_word":"whilst","sentiment":"neutral","sentiment_score":0.0640265941619873},{"word":"we","start":281.79,"end":281.95,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04860980063676834},{"word":"don't","start":281.95,"end":282.19,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.007360118441283703},{"word":"make","start":282.19,"end":282.35,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.03125263750553131},{"word":"any","start":282.35,"end":282.59,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.016708195209503174},{"word":"new","start":282.59,"end":282.83,"confidence":0.99902344,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.028890639543533325},{"word":"recommendations","start":282.83,"end":283.33,"confidence":0.99902344,"punctuated_word":"recommendations,","sentiment":"neutral","sentiment_score":-0.005638886243104935},{"word":"we","start":283.55,"end":283.79,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10100723803043364},{"word":"do","start":283.79,"end":283.95,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.14770588278770447},{"word":"consider","start":283.95,"end":284.43,"confidence":1.0,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":0.12673473358154297},{"word":"that","start":284.43,"end":284.59,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20109620690345764},{"word":"as","start":284.59,"end":284.75,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1401779055595398},{"word":"part","start":284.75,"end":284.99,"confidence":1.0,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.16631340980529785},{"word":"of","start":284.99,"end":285.07,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18029728531837463},{"word":"the","start":285.07,"end":285.23,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1560402661561966},{"word":"projection","start":285.23,"end":285.73,"confidence":0.9980469,"punctuated_word":"projection","sentiment":"neutral","sentiment_score":0.06672072410583496},{"word":"table","start":285.87,"end":286.27,"confidence":1.0,"punctuated_word":"table","sentiment":"neutral","sentiment_score":0.0981934368610382},{"word":"for","start":286.27,"end":286.43,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10702195018529892},{"word":"you","start":286.43,"end":286.93,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.04614211991429329},{"word":"okay","start":286.99,"end":287.49,"confidence":0.84155273,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.05047452077269554},{"word":"excellent","start":288.59,"end":289.07,"confidence":0.99853516,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.5541187524795532},{"word":"and","start":289.07,"end":289.31,"confidence":1.0,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.34015581011772156},{"word":"you","start":289.31,"end":289.47,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3067048192024231},{"word":"don't","start":289.47,"end":289.71,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.22670158743858335},{"word":"have","start":289.71,"end":289.87,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.18935874104499817},{"word":"any","start":289.87,"end":290.11,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.061086975038051605},{"word":"life","start":290.11,"end":290.27,"confidence":0.99609375,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.03750818967819214},{"word":"or","start":290.27,"end":290.51,"confidence":0.9902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.08422866463661194},{"word":"trauma","start":290.51,"end":290.91,"confidence":1.0,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":0.00919915735721588},{"word":"cover","start":290.91,"end":291.23,"confidence":0.9550781,"punctuated_word":"cover.","sentiment":"neutral","sentiment_score":0.044283170253038406},{"word":"you","start":291.23,"end":291.38998,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.07441183924674988},{"word":"weren't","start":291.38998,"end":291.79,"confidence":0.99853516,"punctuated_word":"weren't","sentiment":"neutral","sentiment_score":0.010162482969462872},{"word":"wanting","start":291.79,"end":292.11,"confidence":0.9970703,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":-0.0556398332118988},{"word":"to","start":292.11,"end":292.19,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.006160184741020203},{"word":"get","start":292.19,"end":292.43,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.07428418844938278},{"word":"any","start":292.43,"end":292.66998,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.04899980127811432},{"word":"new","start":292.66998,"end":292.83,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.19043228030204773},{"word":"insurances","start":292.83,"end":293.33,"confidence":0.9995117,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":-0.10385827720165253},{"word":"other","start":293.63,"end":293.87,"confidence":0.99609375,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.028620027005672455},{"word":"than","start":293.87,"end":294.03,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.022889241576194763},{"word":"what","start":294.03,"end":294.19,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.02003505825996399},{"word":"you","start":294.19,"end":294.43,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03706738352775574},{"word":"already","start":294.43,"end":294.75,"confidence":0.9970703,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.06808915734291077},{"word":"held","start":294.75,"end":295.07,"confidence":0.95166016,"punctuated_word":"held,","sentiment":"neutral","sentiment_score":0.03468848764896393},{"word":"so","start":295.07,"end":295.31,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.012867987155914308},{"word":"we're","start":295.31,"end":295.55,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.08133010566234589},{"word":"not","start":295.55,"end":295.87,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.08796685934066772},{"word":"making","start":295.87,"end":296.19,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.12280435860157012},{"word":"any","start":296.19,"end":296.43,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.12549951672554016},{"word":"recommendations","start":296.43,"end":296.93,"confidence":1.0,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":-0.11310069262981416},{"word":"around","start":297.285,"end":297.525,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.11293275654315948},{"word":"that","start":297.525,"end":298.025,"confidence":0.9995117,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.06488896161317825},{"word":"we've","start":298.325,"end":298.645,"confidence":0.99853516,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":-0.018168538808822632},{"word":"also","start":298.645,"end":299.045,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.03498983383178711},{"word":"scoped","start":299.045,"end":299.445,"confidence":0.9975586,"punctuated_word":"scoped","sentiment":"neutral","sentiment_score":-0.022954747080802917},{"word":"out","start":299.445,"end":299.685,"confidence":0.97509766,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.015631429851055145},{"word":"debt","start":299.685,"end":300.005,"confidence":0.9970703,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":-0.02877780795097351},{"word":"management","start":300.005,"end":300.48502,"confidence":1.0,"punctuated_word":"management","sentiment":"neutral","sentiment_score":-0.021632812917232513},{"word":"and","start":300.48502,"end":300.645,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.020661041140556335},{"word":"additional","start":300.645,"end":301.145,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":-0.01535138487815857},{"word":"contributions","start":301.20502,"end":301.70502,"confidence":0.8713379,"punctuated_word":"contributions.","sentiment":"neutral","sentiment_score":-0.01052563264966011},{"word":"so","start":301.765,"end":301.92502,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.012826517224311829},{"word":"you","start":301.92502,"end":302.085,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.014166466891765594},{"word":"didn't","start":302.085,"end":302.325,"confidence":1.0,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.021214257925748825},{"word":"wanna","start":302.325,"end":302.565,"confidence":0.9819336,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.034540943801403046},{"word":"make","start":302.565,"end":302.805,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.05490828678011894},{"word":"any","start":302.805,"end":302.965,"confidence":0.97802734,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.04201725870370865},{"word":"additional","start":302.965,"end":303.445,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":-0.07385215908288956},{"word":"contributions","start":303.445,"end":303.945,"confidence":0.99902344,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":-0.09484823048114777},{"word":"yet","start":304.085,"end":304.325,"confidence":0.9375,"punctuated_word":"yet.","sentiment":"neutral","sentiment_score":0.026122698560357097},{"word":"you","start":304.325,"end":304.405,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.015962406992912292},{"word":"were","start":304.405,"end":304.645,"confidence":0.48120117,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.006142742931842804},{"word":"hoping","start":304.645,"end":304.965,"confidence":1.0,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":0.05329309031367302},{"word":"to","start":304.965,"end":305.445,"confidence":0.9428711,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.05756332725286484},{"word":"pay","start":305.605,"end":305.845,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.05004424601793289},{"word":"down","start":305.845,"end":306.085,"confidence":0.9941406,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.054068900644779205},{"word":"your","start":306.085,"end":306.325,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06044841930270195},{"word":"mortgage","start":306.325,"end":306.725,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.042101986706256866},{"word":"first","start":306.725,"end":307.125,"confidence":0.99121094,"punctuated_word":"first,","sentiment":"neutral","sentiment_score":0.0818735659122467},{"word":"have","start":307.125,"end":307.365,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10265260934829712},{"word":"that","start":307.365,"end":307.525,"confidence":0.9921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.119334414601326},{"word":"all","start":307.525,"end":307.765,"confidence":0.9941406,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.09157073497772215},{"word":"covered","start":307.765,"end":307.78964,"confidence":0.9362793,"punctuated_word":"covered,","sentiment":"neutral","sentiment_score":0.07277214527130127},{"word":"then","start":307.78964,"end":307.81424,"confidence":0.97509766,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.08621106296777725},{"word":"make","start":307.81424,"end":307.83887,"confidence":0.9716797,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.060341764241456985},{"word":"additional","start":307.83887,"end":307.86346,"confidence":0.9526367,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.03394158184528351},{"word":"contributions","start":307.86346,"end":307.8881,"confidence":0.78125,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.032253850251436234},{"word":"down","start":307.8881,"end":307.9127,"confidence":0.80810547,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.08903106302022934},{"word":"the","start":307.9127,"end":307.93732,"confidence":0.66259766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08361644297838211},{"word":"track","start":307.93732,"end":307.9619,"confidence":0.8503418,"punctuated_word":"track.","sentiment":"neutral","sentiment_score":0.04007359221577644},{"word":"does","start":307.9619,"end":307.98654,"confidence":0.51708984,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.07563164830207825},{"word":"that","start":307.98654,"end":308.01114,"confidence":0.7089844,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17632752656936646},{"word":"still","start":308.01114,"end":308.03577,"confidence":0.5336914,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.062483012676239014},{"word":"sound","start":308.03577,"end":308.06036,"confidence":0.6660156,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.10878178477287292},{"word":"appropriate","start":308.06036,"end":308.085,"confidence":0.7441406,"punctuated_word":"appropriate","sentiment":"neutral","sentiment_score":0.07412931323051453},{"word":"for","start":308.085,"end":308.335,"confidence":0.80322266,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06880667805671692},{"word":"you","start":308.335,"end":308.835,"confidence":0.92456055,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.04697797447443008},{"word":"does","start":310.41,"end":310.65002,"confidence":0.9873047,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.027236279100179672},{"word":"that","start":310.65002,"end":310.89,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08418118953704834},{"word":"still","start":310.89,"end":311.13,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.02380644530057907},{"word":"sound","start":311.13,"end":311.29,"confidence":0.99902344,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":0.05582880228757858},{"word":"appropriate","start":311.29,"end":311.79,"confidence":1.0,"punctuated_word":"appropriate","sentiment":"neutral","sentiment_score":0.03178317844867706},{"word":"for","start":311.93002,"end":312.43002,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.02940056100487709},{"word":"you","start":312.65002,"end":313.15002,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.018211979418992996},{"word":"that's","start":314.25,"end":314.57,"confidence":0.9926758,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.08702188730239868},{"word":"right","start":314.57,"end":315.07,"confidence":0.7529297,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.14066000282764435},{"word":"excellent","start":315.37003,"end":315.87003,"confidence":0.94189453,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.4894431531429291},{"word":"fantastic","start":316.01,"end":316.51,"confidence":0.99902344,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5254261493682861},{"word":"as","start":317.93002,"end":318.09003,"confidence":0.7583008,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.251930832862854},{"word":"you","start":318.09003,"end":318.25,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21569587290287015},{"word":"get","start":318.25,"end":318.57,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.21781080961227417},{"word":"through","start":318.57,"end":318.73,"confidence":0.83984375,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.24859067797660828},{"word":"pages","start":318.73,"end":319.21002,"confidence":0.9970703,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":0.17469142377376556},{"word":"number","start":319.21002,"end":319.61002,"confidence":0.8769531,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.25930577516555786},{"word":"nine","start":319.61002,"end":319.93002,"confidence":1.0,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":0.1373290717601776},{"word":"and","start":319.93002,"end":320.17,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09868284314870834},{"word":"ten","start":320.17,"end":320.49002,"confidence":0.99658203,"punctuated_word":"ten,","sentiment":"neutral","sentiment_score":0.1507563292980194},{"word":"it","start":320.49002,"end":320.73,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.22953347861766815},{"word":"does","start":320.73,"end":321.05002,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.16787657141685486},{"word":"have","start":321.05002,"end":321.37003,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.20053917169570923},{"word":"a","start":321.37003,"end":321.53,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17067429423332214},{"word":"list","start":321.53,"end":321.93002,"confidence":1.0,"punctuated_word":"list","sentiment":"neutral","sentiment_score":0.17237699031829834},{"word":"of","start":321.93002,"end":322.17,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1926063746213913},{"word":"your","start":322.17,"end":322.67,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1490810513496399},{"word":"assets","start":323.265,"end":323.665,"confidence":0.99609375,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.1256362795829773},{"word":"and","start":323.665,"end":323.825,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1120009571313858},{"word":"liabilities","start":323.825,"end":324.325,"confidence":1.0,"punctuated_word":"liabilities","sentiment":"neutral","sentiment_score":0.060183629393577576},{"word":"on","start":324.385,"end":324.625,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12330057471990584},{"word":"page","start":324.625,"end":324.945,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.13752414286136627},{"word":"10","start":324.945,"end":325.185,"confidence":1.0,"punctuated_word":"10","sentiment":"neutral","sentiment_score":0.1592530757188797},{"word":"there","start":325.185,"end":325.42502,"confidence":0.7734375,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.1908251047134399},{"word":"just","start":325.42502,"end":325.665,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.23258785903453827},{"word":"what","start":325.665,"end":325.825,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.17552073299884796},{"word":"we","start":325.825,"end":325.98502,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16899266839027405},{"word":"had","start":325.98502,"end":326.225,"confidence":0.9941406,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.09515248239040376},{"word":"noted","start":326.225,"end":326.545,"confidence":0.99902344,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":0.13483071327209473},{"word":"at","start":326.545,"end":326.70502,"confidence":0.96533203,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09803996235132216},{"word":"our","start":326.70502,"end":326.865,"confidence":0.9716797,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.13188523054122925},{"word":"last","start":326.865,"end":327.265,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.08849368989467621},{"word":"conversation","start":327.265,"end":327.765,"confidence":0.99902344,"punctuated_word":"conversation.","sentiment":"neutral","sentiment_score":0.08563287556171417},{"word":"if","start":328.305,"end":328.545,"confidence":0.99121094,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.0925774872303009},{"word":"i","start":328.545,"end":328.625,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08391833305358887},{"word":"can","start":328.625,"end":328.785,"confidence":0.78515625,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08807560801506042},{"word":"just","start":328.785,"end":328.945,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11961622536182404},{"word":"get","start":328.945,"end":329.105,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.10841918736696245},{"word":"you","start":329.105,"end":329.265,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13786107301712036},{"word":"to","start":329.265,"end":329.42502,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1394980251789093},{"word":"run","start":329.42502,"end":329.585,"confidence":1.0,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.10935028642416},{"word":"your","start":329.585,"end":329.825,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14571164548397064},{"word":"eyes","start":329.825,"end":330.065,"confidence":0.99902344,"punctuated_word":"eyes","sentiment":"neutral","sentiment_score":0.15112650394439697},{"word":"over","start":330.065,"end":330.385,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.16521961987018585},{"word":"that","start":330.385,"end":330.625,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17900194227695465},{"word":"for","start":330.625,"end":330.785,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16278734803199768},{"word":"me","start":330.785,"end":331.025,"confidence":0.8232422,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.11890753358602524},{"word":"i","start":331.025,"end":331.105,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03196195885539055},{"word":"know","start":331.105,"end":331.345,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.031358521431684494},{"word":"your","start":331.345,"end":331.505,"confidence":0.99316406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.025964267551898956},{"word":"mortgage","start":331.505,"end":331.98502,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.03523114323616028},{"word":"hopefully","start":331.98502,"end":332.385,"confidence":0.671875,"punctuated_word":"hopefully","sentiment":"neutral","sentiment_score":0.05063341557979584},{"word":"has","start":332.385,"end":332.625,"confidence":0.9970703,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.022105269134044647},{"word":"been","start":332.625,"end":332.865,"confidence":0.9951172,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.04103086143732071},{"word":"paid","start":332.865,"end":333.105,"confidence":0.9970703,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.01007477194070816},{"word":"down","start":333.105,"end":333.345,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.02291543036699295},{"word":"a","start":333.345,"end":333.425,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.012106087058782578},{"word":"little","start":333.425,"end":333.665,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.017723381519317627},{"word":"bit","start":333.665,"end":333.905,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.008241347968578339},{"word":"there","start":333.905,"end":334.405,"confidence":0.99609375,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.02481420151889324},{"word":"is","start":334.785,"end":334.945,"confidence":0.88183594,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.02892615646123886},{"word":"there","start":334.945,"end":335.105,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.03508559241890907},{"word":"anything","start":335.105,"end":335.425,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.03850152716040611},{"word":"that","start":335.425,"end":335.585,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.026717711240053177},{"word":"you","start":335.585,"end":335.745,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01969565451145172},{"word":"would","start":335.745,"end":335.905,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.016125332564115524},{"word":"like","start":335.905,"end":336.065,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.01632632687687874},{"word":"me","start":336.065,"end":336.225,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.03288574144244194},{"word":"to","start":336.225,"end":336.385,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.022498074918985367},{"word":"have","start":336.385,"end":336.545,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.019379280507564545},{"word":"updated","start":336.545,"end":337.025,"confidence":0.9980469,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.046859581023454666},{"word":"in","start":337.025,"end":337.185,"confidence":0.9921875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04852991551160813},{"word":"the","start":337.185,"end":337.345,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0519239529967308},{"word":"back","start":337.345,"end":337.505,"confidence":0.9604492,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.04908376559615135},{"word":"end","start":337.505,"end":337.665,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.04606251418590546},{"word":"that","start":337.665,"end":337.905,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.025467459112405777},{"word":"may","start":337.905,"end":338.065,"confidence":1.0,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.011472422629594805},{"word":"have","start":338.065,"end":338.305,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.009941425174474716},{"word":"changed","start":338.305,"end":338.67,"confidence":0.99902344,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":0.008798375725746155},{"word":"since","start":338.67,"end":338.83002,"confidence":0.9980469,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.016026973724365234},{"word":"we","start":338.83002,"end":339.15002,"confidence":0.9428711,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.02916529029607773},{"word":"last","start":339.15002,"end":339.65002,"confidence":0.99609375,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.014326583594083786},{"word":"called","start":340.03003,"end":340.53003,"confidence":0.77978516,"punctuated_word":"called","sentiment":"neutral","sentiment_score":0.016172323375940323},{"word":"out","start":340.91,"end":341.41,"confidence":0.86865234,"punctuated_word":"out?","sentiment":"neutral","sentiment_score":0.01463988795876503},{"word":"yeah","start":347.15002,"end":347.65002,"confidence":0.9807129,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.012929619289934635},{"word":"yep","start":352.59003,"end":352.905,"confidence":0.94677734,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.008796559646725655},{"word":"okay","start":354.905,"end":355.405,"confidence":0.9880371,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0015283860266208649},{"word":"what","start":358.825,"end":359.065,"confidence":0.9892578,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.007074348628520966},{"word":"sort","start":359.065,"end":359.305,"confidence":0.9604492,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.017212219536304474},{"word":"of","start":359.305,"end":359.465,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02459011599421501},{"word":"value","start":359.465,"end":359.785,"confidence":0.99902344,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.0049603283405303955},{"word":"do","start":359.785,"end":359.945,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0058622099459171295},{"word":"you","start":359.945,"end":360.025,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03220074623823166},{"word":"think","start":360.025,"end":360.185,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.001115158200263977},{"word":"you","start":360.185,"end":360.345,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01553058996796608},{"word":"put","start":360.345,"end":360.585,"confidence":0.42358398,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.026076175272464752},{"word":"on","start":360.585,"end":360.825,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0015663281083106997},{"word":"those","start":360.825,"end":361.065,"confidence":0.99609375,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.018820147961378098},{"word":"now","start":361.065,"end":361.565,"confidence":0.9995117,"punctuated_word":"now?","sentiment":"neutral","sentiment_score":-0.015699610114097595},{"word":"yep","start":363.785,"end":364.285,"confidence":0.92871094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0023271001409739256},{"word":"yep","start":365.625,"end":366.025,"confidence":0.970459,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.004254251718521118},{"word":"they","start":366.025,"end":366.26498,"confidence":0.97265625,"punctuated_word":"They","sentiment":"negative","sentiment_score":-0.35848671197891235},{"word":"haven't","start":366.26498,"end":366.505,"confidence":0.8015137,"punctuated_word":"haven't","sentiment":"negative","sentiment_score":-0.33823320269584656},{"word":"been","start":366.505,"end":366.745,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.3300333321094513},{"word":"winning","start":366.745,"end":367.145,"confidence":0.98828125,"punctuated_word":"winning","sentiment":"neutral","sentiment_score":-0.3175048828125},{"word":"for","start":367.145,"end":367.385,"confidence":0.99902344,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.3609984219074249},{"word":"you","start":367.385,"end":367.885,"confidence":0.89086914,"punctuated_word":"you.","sentiment":"negative","sentiment_score":-0.3901479244232178},{"word":"yeah","start":375.19,"end":375.69,"confidence":0.96069336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.051794759929180145},{"word":"yep","start":376.47,"end":376.97,"confidence":0.88720703,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12165700644254684},{"word":"no","start":382.79,"end":383.19,"confidence":0.9921875,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06992066651582718},{"word":"of","start":383.19,"end":383.43,"confidence":0.99902344,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":-0.04285472631454468},{"word":"course","start":383.43,"end":383.93,"confidence":0.9995117,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":-0.04692641645669937},{"word":"okay","start":392.685,"end":393.185,"confidence":0.92529297,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.009852414950728416},{"word":"absolutely","start":397.41998,"end":397.66,"confidence":0.72265625,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.13704779744148254},{"word":"yeah","start":397.66,"end":398.16,"confidence":0.93969727,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04899083077907562},{"word":"yeah","start":403.5,"end":404.0,"confidence":0.83862305,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02239339053630829},{"word":"yep","start":407.98,"end":408.48,"confidence":0.98999023,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07778459787368774},{"word":"nine","start":411.5,"end":412.0,"confidence":0.5703125,"punctuated_word":"Nine","sentiment":"neutral","sentiment_score":0.0451335683465004},{"word":"fifty","start":412.035,"end":412.535,"confidence":0.9770508,"punctuated_word":"fifty.","sentiment":"neutral","sentiment_score":0.06169150024652481},{"word":"fantastic","start":412.595,"end":413.095,"confidence":0.98706055,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5023396015167236},{"word":"excellent","start":413.795,"end":414.295,"confidence":0.99365234,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.45589351654052734},{"word":"yep","start":421.475,"end":421.975,"confidence":0.9645996,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04727579280734062},{"word":"10,000","start":423.315,"end":424.055,"confidence":0.9692383,"punctuated_word":"10,000.","sentiment":"neutral","sentiment_score":0.09792856127023696},{"word":"fantastic","start":426.01,"end":426.51,"confidence":0.9921875,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5951860547065735},{"word":"fantastic","start":427.69,"end":428.19,"confidence":0.96655273,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.6167175769805908},{"word":"yeah","start":428.89,"end":429.39,"confidence":0.9609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12245118618011476},{"word":"the","start":432.41,"end":432.57,"confidence":0.9892578,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.016985278576612473},{"word":"same","start":432.57,"end":433.07,"confidence":0.99609375,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":-0.012425128370523453},{"word":"i","start":438.89,"end":439.05,"confidence":0.9838867,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06988529115915298},{"word":"don't","start":439.05,"end":439.29,"confidence":0.99609375,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.08603720366954803},{"word":"know","start":439.29,"end":439.455,"confidence":0.84155273,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.09037421643733978},{"word":"i","start":440.41498,"end":440.57498,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07570013403892517},{"word":"reckon","start":440.57498,"end":440.97498,"confidence":0.98095703,"punctuated_word":"reckon","sentiment":"neutral","sentiment_score":-0.08298824727535248},{"word":"if","start":440.97498,"end":441.215,"confidence":0.9838867,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.09173765778541564},{"word":"you","start":441.215,"end":441.29498,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08384400606155396},{"word":"realistically","start":441.69498,"end":442.19498,"confidence":0.98706055,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":-0.09129535406827928},{"word":"if","start":442.25497,"end":442.41498,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.11349084973335266},{"word":"you","start":442.41498,"end":442.57498,"confidence":0.93115234,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09876655042171478},{"word":"took","start":442.57498,"end":442.735,"confidence":0.51660156,"punctuated_word":"took","sentiment":"neutral","sentiment_score":-0.1247500777244568},{"word":"your","start":442.735,"end":442.81497,"confidence":0.99316406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.14379939436912537},{"word":"house","start":442.81497,"end":443.13498,"confidence":0.9980469,"punctuated_word":"house","sentiment":"neutral","sentiment_score":-0.1519039273262024},{"word":"upside","start":443.13498,"end":443.455,"confidence":0.99902344,"punctuated_word":"upside","sentiment":"neutral","sentiment_score":-0.19278885424137115},{"word":"down","start":443.455,"end":443.69498,"confidence":0.9501953,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":-0.14907260239124298},{"word":"everything","start":443.69498,"end":444.095,"confidence":0.9970703,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.18750497698783877},{"word":"fell","start":444.095,"end":444.335,"confidence":0.99316406,"punctuated_word":"fell","sentiment":"neutral","sentiment_score":-0.17383718490600586},{"word":"out","start":444.335,"end":444.655,"confidence":0.8249512,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.16175855696201324},{"word":"that's","start":444.655,"end":444.97498,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.04341918230056763},{"word":"all","start":444.97498,"end":445.13498,"confidence":0.9941406,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.0364275798201561},{"word":"your","start":445.13498,"end":445.455,"confidence":0.9892578,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.02697904407978058},{"word":"content","start":445.455,"end":445.935,"confidence":0.7294922,"punctuated_word":"content.","sentiment":"neutral","sentiment_score":-0.05117838829755783},{"word":"so","start":445.935,"end":446.01498,"confidence":0.7626953,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.018192052841186523},{"word":"that's","start":446.01498,"end":446.25497,"confidence":0.9975586,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.04150020331144333},{"word":"quite","start":446.25497,"end":446.495,"confidence":0.99902344,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.06827747821807861},{"word":"a","start":446.495,"end":446.57498,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07967843860387802},{"word":"lot","start":446.57498,"end":446.81497,"confidence":0.99902344,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.06813374161720276},{"word":"of","start":446.81497,"end":446.895,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08385943621397018},{"word":"things","start":446.895,"end":447.215,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.12641657888889313},{"word":"to","start":447.215,"end":447.375,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09672554582357408},{"word":"replace","start":447.375,"end":447.775,"confidence":1.0,"punctuated_word":"replace","sentiment":"neutral","sentiment_score":-0.09537364542484283},{"word":"when","start":447.775,"end":447.935,"confidence":0.9970703,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.08891532570123672},{"word":"you","start":447.935,"end":448.09497,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07084308564662933},{"word":"think","start":448.09497,"end":448.335,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.08441875874996185},{"word":"about","start":448.335,"end":448.57498,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.07307441532611847},{"word":"it","start":448.57498,"end":449.07498,"confidence":1.0,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.05114571377635002},{"word":"yeah","start":450.495,"end":450.995,"confidence":0.98999023,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0056505268439650536},{"word":"yeah","start":453.935,"end":454.26,"confidence":0.967041,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.038189273327589035},{"word":"no","start":459.14,"end":459.46002,"confidence":0.9345703,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05409328639507294},{"word":"that's","start":459.46002,"end":459.78,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.01532503217458725},{"word":"okay","start":459.78,"end":460.1,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.019974395632743835},{"word":"i'd","start":460.1,"end":460.18002,"confidence":0.8015137,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.06102684140205383},{"word":"just","start":460.18002,"end":460.34,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05941878631711006},{"word":"like","start":460.34,"end":460.58002,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.07700889557600021},{"word":"to","start":460.58002,"end":460.66,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08347340673208237},{"word":"update","start":460.66,"end":460.90002,"confidence":0.9980469,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.055936653167009354},{"word":"in","start":460.90002,"end":461.06,"confidence":0.7294922,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07804475724697113},{"word":"the","start":461.06,"end":461.14,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07385848462581635},{"word":"back","start":461.14,"end":461.38,"confidence":0.9589844,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.05258582532405853},{"word":"end","start":461.38,"end":461.62,"confidence":0.99902344,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.08008468151092529},{"word":"for","start":461.62,"end":461.78,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0918419510126114},{"word":"you","start":461.78,"end":461.94,"confidence":0.7727051,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.05425717681646347},{"word":"so","start":461.94,"end":462.1,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.057144131511449814},{"word":"it","start":462.1,"end":462.18002,"confidence":0.89746094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.058413781225681305},{"word":"won't","start":462.18002,"end":462.30002,"confidence":0.99658203,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":0.05428211018443107},{"word":"i","start":462.42,"end":462.58002,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04295910894870758},{"word":"won't","start":462.58002,"end":462.74002,"confidence":0.9995117,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":0.03271886706352234},{"word":"worry","start":462.74002,"end":462.98,"confidence":1.0,"punctuated_word":"worry","sentiment":"neutral","sentiment_score":0.007683910429477692},{"word":"about","start":462.98,"end":463.22,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.05796429142355919},{"word":"updating","start":463.22,"end":463.54,"confidence":0.9873047,"punctuated_word":"updating","sentiment":"neutral","sentiment_score":0.06037822365760803},{"word":"the","start":463.54,"end":463.62,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06930632144212723},{"word":"advice","start":463.62,"end":463.94,"confidence":0.93847656,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.05174398794770241},{"word":"document","start":463.94,"end":464.34,"confidence":0.9980469,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.06174246966838837},{"word":"because","start":464.34,"end":464.58002,"confidence":0.84765625,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.053193241357803345},{"word":"it","start":464.58002,"end":464.74002,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07897783815860748},{"word":"doesn't","start":464.74002,"end":464.98,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.07714737206697464},{"word":"change","start":464.98,"end":465.30002,"confidence":1.0,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.02270827442407608},{"word":"any","start":465.30002,"end":465.54,"confidence":0.9951172,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.05451645702123642},{"word":"of","start":465.54,"end":465.62,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07103079557418823},{"word":"the","start":465.62,"end":465.7,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07227133214473724},{"word":"advice","start":465.7,"end":466.2,"confidence":0.9921875,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.050277821719646454},{"word":"provided","start":466.41498,"end":466.815,"confidence":0.7578125,"punctuated_word":"provided,","sentiment":"neutral","sentiment_score":0.09836320579051971},{"word":"but","start":466.815,"end":467.055,"confidence":0.6816406,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.10798726975917816},{"word":"it's","start":467.055,"end":467.29498,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1779985874891281},{"word":"good","start":467.29498,"end":467.455,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.20980335772037503},{"word":"to","start":467.455,"end":467.615,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1923259049654007},{"word":"update","start":467.615,"end":467.85498,"confidence":0.9980469,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.14217014610767365},{"word":"it","start":467.85498,"end":468.01498,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2190432250499725},{"word":"in","start":468.01498,"end":468.095,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.21644368767738345},{"word":"the","start":468.095,"end":468.175,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19861790537834167},{"word":"back","start":468.175,"end":468.335,"confidence":0.9770508,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.13747689127922058},{"word":"end","start":468.335,"end":468.57498,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.1427072435617447},{"word":"for","start":468.57498,"end":468.815,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1469564437866211},{"word":"you","start":468.815,"end":468.975,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12923629581928253},{"word":"just","start":468.975,"end":469.215,"confidence":0.98291016,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1201225221157074},{"word":"so","start":469.215,"end":469.375,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1262492686510086},{"word":"we","start":469.375,"end":469.535,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1740725338459015},{"word":"can","start":469.535,"end":469.69498,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.18154804408550265},{"word":"have","start":469.69498,"end":469.85498,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.23006346821784973},{"word":"things","start":469.85498,"end":470.255,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.2000562846660614},{"word":"updated","start":470.255,"end":470.655,"confidence":0.9980469,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.18746446073055267},{"word":"and","start":470.655,"end":470.815,"confidence":0.9838867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16500112414360046},{"word":"reflective","start":470.815,"end":471.315,"confidence":0.99316406,"punctuated_word":"reflective.","sentiment":"neutral","sentiment_score":0.1399385780096054},{"word":"okay","start":471.775,"end":472.275,"confidence":0.78125,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.1005747616291046},{"word":"fantastic","start":473.13498,"end":473.63498,"confidence":0.9970703,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.4906587600708008},{"word":"underneath","start":474.895,"end":475.375,"confidence":0.99365234,"punctuated_word":"Underneath","sentiment":"neutral","sentiment_score":0.2765493392944336},{"word":"that","start":475.375,"end":475.535,"confidence":0.9848633,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.2949257493019104},{"word":"we've","start":475.535,"end":475.69498,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.32235854864120483},{"word":"got","start":475.69498,"end":475.85498,"confidence":1.0,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.387641966342926},{"word":"your","start":475.85498,"end":476.095,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.33992382884025574},{"word":"current","start":476.095,"end":476.41498,"confidence":1.0,"punctuated_word":"current","sentiment":"positive","sentiment_score":0.39688414335250854},{"word":"super","start":476.41498,"end":476.735,"confidence":0.9248047,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.3685195147991181},{"word":"balance","start":476.735,"end":476.97498,"confidence":0.9206543,"punctuated_word":"balance.","sentiment":"neutral","sentiment_score":0.03933831676840782},{"word":"so","start":476.97498,"end":477.215,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.023106254637241364},{"word":"within","start":477.215,"end":477.535,"confidence":0.9980469,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.03134869039058685},{"word":"hub","start":477.535,"end":477.775,"confidence":0.7783203,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.035908445715904236},{"word":"24","start":477.775,"end":478.53,"confidence":0.99902344,"punctuated_word":"24","sentiment":"neutral","sentiment_score":0.04482173174619675},{"word":"and","start":478.77,"end":479.01,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02300384640693665},{"word":"your","start":479.01,"end":479.17,"confidence":0.9941406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03130593150854111},{"word":"c","start":479.17,"end":479.41,"confidence":0.35180664,"punctuated_word":"c","sentiment":"neutral","sentiment_score":0.03105039708316326},{"word":"bus","start":479.41,"end":479.65,"confidence":0.7800293,"punctuated_word":"bus,","sentiment":"neutral","sentiment_score":0.027934063225984573},{"word":"at","start":479.65,"end":479.81,"confidence":0.5961914,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.015093117021024227},{"word":"the","start":479.81,"end":479.97,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.022812049835920337},{"word":"moment","start":479.97,"end":480.21,"confidence":0.9848633,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.02154133841395378},{"word":"you","start":480.21,"end":480.37,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.014974163845181463},{"word":"have","start":480.37,"end":480.53,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.017324212938547134},{"word":"about","start":480.53,"end":480.85,"confidence":0.9970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.017058972269296646},{"word":"eleven","start":480.85,"end":481.17,"confidence":1.0,"punctuated_word":"eleven","sentiment":"neutral","sentiment_score":0.022191740572452545},{"word":"thousand","start":481.17,"end":481.65,"confidence":1.0,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.019829776138067245},{"word":"two","start":481.65,"end":481.81,"confidence":0.9980469,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.017392069101333618},{"word":"fifty","start":481.81,"end":482.13,"confidence":0.99902344,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":0.01464671641588211},{"word":"three","start":482.13,"end":482.37,"confidence":0.99902344,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.016068819910287857},{"word":"in","start":482.37,"end":482.61,"confidence":0.42749023,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.013900578953325748},{"word":"c","start":482.61,"end":482.77,"confidence":0.93847656,"punctuated_word":"c","sentiment":"neutral","sentiment_score":0.02078124508261681},{"word":"bus","start":482.77,"end":482.93,"confidence":0.8605957,"punctuated_word":"bus.","sentiment":"neutral","sentiment_score":0.017723465338349342},{"word":"could","start":482.93,"end":483.17,"confidence":0.703125,"punctuated_word":"Could","sentiment":"neutral","sentiment_score":-0.030287835747003555},{"word":"be","start":483.17,"end":483.33,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.01725068874657154},{"word":"a","start":483.33,"end":483.41,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.020827721804380417},{"word":"bit","start":483.41,"end":483.57,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.04030106961727142},{"word":"more","start":483.57,"end":483.81,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.01691240444779396},{"word":"since","start":483.81,"end":484.31,"confidence":0.9941406,"punctuated_word":"since","sentiment":"neutral","sentiment_score":-0.04301574826240539},{"word":"we","start":484.45,"end":484.61,"confidence":0.9472656,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.0016750246286392212},{"word":"did","start":484.61,"end":484.85,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.007947061210870743},{"word":"this","start":484.85,"end":485.09,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.013044197112321854},{"word":"document","start":485.09,"end":485.49,"confidence":1.0,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.006895169615745544},{"word":"a","start":485.49,"end":485.65,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.00835593044757843},{"word":"few","start":485.65,"end":485.81,"confidence":1.0,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.015038352459669111},{"word":"weeks","start":485.81,"end":486.13,"confidence":1.0,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":0.015113119035959244},{"word":"back","start":486.13,"end":486.63,"confidence":0.8041992,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":-0.0010098516941070557},{"word":"and","start":486.77,"end":487.01,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.014437012374401093},{"word":"then","start":487.01,"end":487.25,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.014675461687147616},{"word":"your","start":487.25,"end":487.57,"confidence":0.96875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.022020189091563225},{"word":"balance","start":487.57,"end":487.88998,"confidence":0.99902344,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.02982538379728794},{"word":"in","start":487.88998,"end":488.05,"confidence":0.9604492,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01685282029211521},{"word":"hub","start":488.05,"end":488.29,"confidence":0.97265625,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.021829327568411827},{"word":"24","start":488.29,"end":488.69,"confidence":0.99609375,"punctuated_word":"24","sentiment":"neutral","sentiment_score":0.030067430809140205},{"word":"is","start":488.69,"end":488.85,"confidence":0.8989258,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.007212124764919281},{"word":"at","start":488.85,"end":489.01,"confidence":0.8461914,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.007152413949370384},{"word":"the","start":489.01,"end":489.16998,"confidence":0.87597656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.012942612171173096},{"word":"$242,004.92","start":489.16998,"end":491.775,"confidence":0.93927,"punctuated_word":"$242,004.92.","sentiment":"neutral","sentiment_score":0.01753627508878708},{"word":"okay","start":492.255,"end":492.755,"confidence":0.7504883,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.004019567742943764},{"word":"we've","start":493.775,"end":494.095,"confidence":0.92749023,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":-0.038774263113737106},{"word":"got","start":494.095,"end":494.335,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.043312907218933105},{"word":"your","start":494.335,"end":494.495,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.053069256246089935},{"word":"insurance","start":494.495,"end":494.975,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.05549659579992294},{"word":"policy","start":494.975,"end":495.375,"confidence":1.0,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":-0.275471568107605},{"word":"within","start":495.375,"end":495.875,"confidence":0.61035156,"punctuated_word":"within","sentiment":"neutral","sentiment_score":-0.11078773438930511},{"word":"it's","start":496.495,"end":496.815,"confidence":0.9980469,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.260402649641037},{"word":"not","start":496.815,"end":497.055,"confidence":0.9941406,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2749767601490021},{"word":"much","start":497.055,"end":497.29498,"confidence":0.9628906,"punctuated_word":"much.","sentiment":"neutral","sentiment_score":-0.26361796259880066},{"word":"it's","start":497.29498,"end":497.455,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.2908945679664612},{"word":"getting","start":497.455,"end":497.775,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.22460149228572843},{"word":"there","start":497.775,"end":497.935,"confidence":0.9555664,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.21651309728622437},{"word":"though","start":497.935,"end":498.175,"confidence":0.99853516,"punctuated_word":"though.","sentiment":"neutral","sentiment_score":-0.19634321331977844},{"word":"you","start":498.175,"end":498.415,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.26085707545280457},{"word":"still","start":498.415,"end":498.655,"confidence":0.5605469,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.24248430132865903},{"word":"got","start":498.655,"end":498.815,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.23224762082099917},{"word":"a","start":498.815,"end":498.895,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.22019872069358823},{"word":"bit","start":498.895,"end":499.055,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.2234072238206863},{"word":"of","start":499.055,"end":499.215,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2847707271575928},{"word":"time","start":499.215,"end":499.535,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.31079116463661194},{"word":"ahead","start":499.535,"end":499.775,"confidence":1.0,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":-0.18847772479057312},{"word":"of","start":499.775,"end":499.935,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2638828456401825},{"word":"you","start":499.935,"end":500.435,"confidence":0.9914551,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.277978777885437},{"word":"see","start":500.495,"end":500.735,"confidence":0.41430664,"punctuated_word":"See","sentiment":"neutral","sentiment_score":-0.2944580018520355},{"word":"what","start":500.735,"end":500.895,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.28215548396110535},{"word":"i","start":500.895,"end":500.975,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.28546229004859924},{"word":"can","start":500.975,"end":501.13498,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.28310269117355347},{"word":"do","start":501.13498,"end":501.29498,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.25003552436828613},{"word":"to","start":501.29498,"end":501.455,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2633991241455078},{"word":"make","start":501.455,"end":501.615,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.22427833080291748},{"word":"things","start":501.615,"end":501.935,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.2648015022277832},{"word":"work","start":501.935,"end":502.095,"confidence":0.99902344,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.20913153886795044},{"word":"a","start":502.095,"end":502.175,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.25109729170799255},{"word":"bit","start":502.175,"end":502.41498,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.256793737411499},{"word":"harder","start":502.41498,"end":502.815,"confidence":0.99902344,"punctuated_word":"harder","sentiment":"neutral","sentiment_score":-0.19483304023742676},{"word":"for","start":502.815,"end":502.975,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.20974551141262057},{"word":"you","start":502.975,"end":503.475,"confidence":0.98950195,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.21835216879844663},{"word":"on","start":504.82,"end":505.06,"confidence":0.9741211,"punctuated_word":"On","sentiment":"neutral","sentiment_score":0.04809662699699402},{"word":"the","start":505.06,"end":505.14,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04171279072761536},{"word":"next","start":505.14,"end":505.46,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.051454391330480576},{"word":"page","start":505.46,"end":505.7,"confidence":0.9160156,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.05397634580731392},{"word":"there","start":505.7,"end":505.94,"confidence":0.90625,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.041128482669591904},{"word":"your","start":505.94,"end":506.1,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03385629504919052},{"word":"current","start":506.1,"end":506.6,"confidence":0.94921875,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.03448107838630676},{"word":"insurances","start":506.74,"end":507.24,"confidence":0.8039551,"punctuated_word":"insurances.","sentiment":"neutral","sentiment_score":0.02496025338768959},{"word":"so","start":507.38,"end":507.62,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05055563151836395},{"word":"within","start":507.62,"end":508.02,"confidence":0.9760742,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.06927818059921265},{"word":"c","start":508.02,"end":508.26,"confidence":0.4638672,"punctuated_word":"C","sentiment":"neutral","sentiment_score":0.06471454352140427},{"word":"bus","start":508.26,"end":508.5,"confidence":0.5151367,"punctuated_word":"Bus","sentiment":"neutral","sentiment_score":0.07723145931959152},{"word":"there","start":508.5,"end":508.74,"confidence":0.6968994,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.05802413076162338},{"word":"you","start":508.74,"end":508.9,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07215245068073273},{"word":"do","start":508.9,"end":509.06,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08629439026117325},{"word":"have","start":509.06,"end":509.46,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06348703801631927},{"word":"80","start":509.46,"end":509.86002,"confidence":0.9921875,"punctuated_word":"80","sentiment":"neutral","sentiment_score":0.05891907215118408},{"word":"sorry","start":510.18,"end":510.34,"confidence":0.6347656,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":0.03430410474538803},{"word":"82,500","start":510.34,"end":511.86002,"confidence":0.9976562,"punctuated_word":"82,500","sentiment":"neutral","sentiment_score":0.0634332001209259},{"word":"of","start":511.86002,"end":512.02,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05283309519290924},{"word":"tbd","start":512.02,"end":512.52,"confidence":0.44995117,"punctuated_word":"TBD","sentiment":"neutral","sentiment_score":0.04104389250278473},{"word":"cover","start":512.66,"end":512.98,"confidence":0.9980469,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.04046012461185455},{"word":"and","start":512.98,"end":513.22003,"confidence":0.9863281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.049326397478580475},{"word":"some","start":513.22003,"end":513.38,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.04658833891153336},{"word":"income","start":513.38,"end":513.78,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.05618404969573021},{"word":"protection","start":513.78,"end":514.28,"confidence":1.0,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.05179757252335549},{"word":"there","start":514.34,"end":514.82,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.05633680149912834},{"word":"with","start":514.82,"end":515.06,"confidence":0.94628906,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.059607550501823425},{"word":"a","start":515.06,"end":515.22003,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06386072188615799},{"word":"thirty","start":515.22003,"end":515.54,"confidence":0.99902344,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.08499889075756073},{"word":"day","start":515.54,"end":515.7,"confidence":0.9951172,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.08211840689182281},{"word":"wait","start":515.7,"end":515.94,"confidence":0.9951172,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":0.06248050183057785},{"word":"and","start":515.94,"end":516.18,"confidence":0.98291016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06406079977750778},{"word":"two","start":516.18,"end":516.42,"confidence":0.40576172,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.07405276596546173},{"word":"year","start":516.42,"end":516.66,"confidence":0.9892578,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.07460158318281174},{"word":"benefit","start":516.66,"end":517.16,"confidence":0.9658203,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.06505011022090912},{"word":"period","start":517.22003,"end":517.54,"confidence":0.98291016,"punctuated_word":"period.","sentiment":"neutral","sentiment_score":0.06600618362426758},{"word":"and","start":517.54,"end":517.7,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08018659055233002},{"word":"then","start":517.7,"end":517.94,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06251233071088791},{"word":"within","start":517.94,"end":518.34,"confidence":0.9980469,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.08820398896932602},{"word":"zurich","start":518.34,"end":518.74,"confidence":0.9855957,"punctuated_word":"Zurich,","sentiment":"neutral","sentiment_score":0.1050688847899437},{"word":"you've","start":518.74,"end":518.9,"confidence":0.99902344,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.11625313013792038},{"word":"also","start":518.9,"end":519.3,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.09798898547887802},{"word":"got","start":519.3,"end":519.8,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.09468453377485277},{"word":"a","start":520.07495,"end":520.235,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0811469629406929},{"word":"bit","start":520.235,"end":520.315,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.08411701768636703},{"word":"of","start":520.315,"end":520.39496,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0553218312561512},{"word":"extra","start":520.39496,"end":520.875,"confidence":1.0,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.06795397400856018},{"word":"income","start":520.875,"end":521.195,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.05846337229013443},{"word":"protection","start":521.195,"end":521.675,"confidence":0.99316406,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.04041335731744766},{"word":"for","start":521.675,"end":521.83496,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.041495006531476974},{"word":"top","start":521.83496,"end":522.07495,"confidence":0.9604492,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.08055802434682846},{"word":"up","start":522.07495,"end":522.235,"confidence":0.99316406,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.06895600259304047},{"word":"cover","start":522.235,"end":522.475,"confidence":0.9980469,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.03718036785721779},{"word":"there","start":522.475,"end":522.71497,"confidence":0.9980469,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.0659717321395874},{"word":"with","start":522.71497,"end":522.875,"confidence":0.72021484,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06049685180187225},{"word":"a","start":522.875,"end":523.035,"confidence":0.87841797,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.057832539081573486},{"word":"thirty","start":523.035,"end":523.355,"confidence":0.9892578,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.059712283313274384},{"word":"day","start":523.355,"end":523.595,"confidence":0.99902344,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.06390595436096191},{"word":"waiting","start":523.595,"end":523.915,"confidence":1.0,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":0.04559221863746643},{"word":"period","start":523.915,"end":524.235,"confidence":0.97265625,"punctuated_word":"period","sentiment":"neutral","sentiment_score":0.040730684995651245},{"word":"and","start":524.235,"end":524.39496,"confidence":0.9819336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04197801277041435},{"word":"two","start":524.39496,"end":524.555,"confidence":0.97509766,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.05389153212308884},{"word":"year","start":524.555,"end":524.795,"confidence":0.9941406,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.05433862656354904},{"word":"benefits","start":524.795,"end":525.27496,"confidence":0.6113281,"punctuated_word":"benefits","sentiment":"neutral","sentiment_score":0.04864731431007385},{"word":"period","start":525.27496,"end":525.595,"confidence":0.98217773,"punctuated_word":"period.","sentiment":"neutral","sentiment_score":0.03828565031290054},{"word":"the","start":525.595,"end":525.755,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.02894471026957035},{"word":"current","start":525.755,"end":526.07495,"confidence":0.9980469,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.04674442857503891},{"word":"sum","start":526.07495,"end":526.39496,"confidence":0.9375,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":0.06330447643995285},{"word":"insured","start":526.39496,"end":526.795,"confidence":0.9580078,"punctuated_word":"insured","sentiment":"neutral","sentiment_score":0.03141634911298752},{"word":"there","start":526.795,"end":527.035,"confidence":0.97265625,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.02795035019516945},{"word":"is","start":527.035,"end":527.27496,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03561379760503769},{"word":"$1.09","start":527.27496,"end":527.755,"confidence":1.0,"punctuated_word":"$1.09","sentiment":"neutral","sentiment_score":0.03662215918302536},{"word":"$9.02","start":527.755,"end":528.555,"confidence":0.99902344,"punctuated_word":"$9.02.","sentiment":"neutral","sentiment_score":0.02129540592432022},{"word":"okay","start":528.555,"end":529.055,"confidence":0.8835449,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.029846716672182083},{"word":"to","start":530.875,"end":531.035,"confidence":0.9291992,"punctuated_word":"To","sentiment":"neutral","sentiment_score":0.08642672002315521},{"word":"make","start":531.035,"end":531.195,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1115199774503708},{"word":"this","start":531.195,"end":531.435,"confidence":0.9970703,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.125379279255867},{"word":"a","start":531.435,"end":531.595,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17360007762908936},{"word":"bit","start":531.595,"end":531.755,"confidence":0.9951172,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1383633017539978},{"word":"easier","start":531.755,"end":532.17,"confidence":0.99853516,"punctuated_word":"easier,","sentiment":"neutral","sentiment_score":0.20792514085769653},{"word":"if","start":532.17,"end":532.32996,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.18827028572559357},{"word":"you","start":532.32996,"end":532.41,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16323699057102203},{"word":"can","start":532.41,"end":532.57,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15251070261001587},{"word":"go","start":532.57,"end":532.64996,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.17326530814170835},{"word":"down","start":532.64996,"end":533.05,"confidence":0.9790039,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.18272586166858673},{"word":"to","start":533.05,"end":533.13,"confidence":0.93408203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1505182683467865},{"word":"page","start":533.13,"end":533.45,"confidence":0.9980469,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.12550483644008636},{"word":"number","start":533.45,"end":533.93,"confidence":1.0,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.1306152045726776},{"word":"14","start":533.93,"end":534.32996,"confidence":0.99902344,"punctuated_word":"14","sentiment":"neutral","sentiment_score":0.15287649631500244},{"word":"for","start":534.32996,"end":534.57,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1545468121767044},{"word":"me","start":534.57,"end":534.81,"confidence":0.91796875,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.14394313097000122},{"word":"this","start":534.81,"end":534.97,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1284538358449936},{"word":"is","start":534.97,"end":535.13,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11688299477100372},{"word":"where","start":535.13,"end":535.29,"confidence":0.9980469,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.10710428655147552},{"word":"the","start":535.29,"end":535.52997,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1612001359462738},{"word":"recommendations","start":535.52997,"end":536.02997,"confidence":0.9941406,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":0.13691337406635284},{"word":"essentially","start":536.41,"end":536.91,"confidence":0.9902344,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.14721810817718506},{"word":"start","start":537.05,"end":537.55,"confidence":0.99658203,"punctuated_word":"start.","sentiment":"neutral","sentiment_score":0.1543286144733429},{"word":"i'll","start":538.41,"end":538.64996,"confidence":0.9863281,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.13999587297439575},{"word":"go","start":538.64996,"end":538.88995,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2511943280696869},{"word":"through","start":538.88995,"end":539.20996,"confidence":0.9970703,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.28066563606262207},{"word":"them","start":539.20996,"end":539.45,"confidence":0.9970703,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.2283016592264175},{"word":"nice","start":539.45,"end":539.69,"confidence":0.99609375,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.3729178309440613},{"word":"and","start":539.69,"end":539.93,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3573709726333618},{"word":"easily","start":539.93,"end":540.43,"confidence":0.92163086,"punctuated_word":"easily,","sentiment":"neutral","sentiment_score":0.2999850809574127},{"word":"and","start":540.49,"end":540.73,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20568886399269104},{"word":"then","start":540.73,"end":541.05,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.25037476420402527},{"word":"you","start":541.05,"end":541.37,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2188045084476471},{"word":"feel","start":541.52997,"end":541.69,"confidence":0.9873047,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.22422301769256592},{"word":"free","start":541.69,"end":541.85,"confidence":0.99609375,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.2651844322681427},{"word":"to","start":541.85,"end":542.01,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.26738446950912476},{"word":"ask","start":542.01,"end":542.17,"confidence":1.0,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.25470981001853943},{"word":"me","start":542.17,"end":542.32996,"confidence":0.9506836,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.19952824711799624},{"word":"questions","start":542.32996,"end":542.73,"confidence":0.91796875,"punctuated_word":"questions.","sentiment":"neutral","sentiment_score":0.2045714557170868},{"word":"if","start":542.73,"end":542.88995,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.1749882698059082},{"word":"you","start":542.88995,"end":542.97,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1602095365524292},{"word":"do","start":542.97,"end":543.20996,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.17533354461193085},{"word":"have","start":543.20996,"end":543.37,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1731463372707367},{"word":"any","start":543.37,"end":543.52997,"confidence":0.9980469,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.16385310888290405},{"word":"questions","start":543.52997,"end":543.93,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.13089171051979065},{"word":"throughout","start":543.93,"end":544.32996,"confidence":0.91137695,"punctuated_word":"throughout,","sentiment":"neutral","sentiment_score":0.1444036215543747},{"word":"you","start":544.32996,"end":544.41,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1398453712463379},{"word":"can","start":544.41,"end":544.64996,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.12869727611541748},{"word":"just","start":544.64996,"end":544.88995,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11137813329696657},{"word":"interrupt","start":544.88995,"end":545.29,"confidence":0.9970703,"punctuated_word":"interrupt","sentiment":"neutral","sentiment_score":0.09671616554260254},{"word":"me","start":545.29,"end":545.37,"confidence":0.9970703,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.09697268903255464},{"word":"and","start":545.37,"end":545.52997,"confidence":0.97314453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07041889429092407},{"word":"say","start":545.52997,"end":545.865,"confidence":0.9328613,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.08306531608104706},{"word":"daniel","start":545.945,"end":546.185,"confidence":0.68188477,"punctuated_word":"Daniel,","sentiment":"neutral","sentiment_score":0.06812994927167892},{"word":"just","start":546.185,"end":546.425,"confidence":0.9760742,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06621626019477844},{"word":"stop","start":546.425,"end":546.745,"confidence":0.98535156,"punctuated_word":"stop","sentiment":"neutral","sentiment_score":0.07752760499715805},{"word":"and","start":546.745,"end":546.825,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07327563315629959},{"word":"let","start":546.825,"end":547.065,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.09513606876134872},{"word":"me","start":547.065,"end":547.145,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.09784389287233353},{"word":"ask","start":547.145,"end":547.305,"confidence":0.99902344,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.10939767956733704},{"word":"some","start":547.305,"end":547.46497,"confidence":0.96972656,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.07798492908477783},{"word":"questions","start":547.46497,"end":547.945,"confidence":1.0,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.08985196799039841},{"word":"and","start":547.945,"end":548.345,"confidence":0.7709961,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06381944566965103},{"word":"ask","start":548.345,"end":548.505,"confidence":1.0,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.08557900786399841},{"word":"anything","start":548.505,"end":548.985,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.10332397371530531},{"word":"you","start":548.985,"end":549.145,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05684351921081543},{"word":"have","start":549.145,"end":549.46497,"confidence":1.0,"punctuated_word":"have.","sentiment":"neutral","sentiment_score":0.05765602737665176},{"word":"okay","start":549.46497,"end":549.96497,"confidence":0.9975586,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.07147565484046936},{"word":"we","start":550.985,"end":551.225,"confidence":0.7104492,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.08209937810897827},{"word":"are","start":551.225,"end":551.46497,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1029379740357399},{"word":"recommending","start":551.46497,"end":551.945,"confidence":0.9980469,"punctuated_word":"recommending","sentiment":"neutral","sentiment_score":0.17088870704174042},{"word":"that","start":551.945,"end":552.105,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18695366382598877},{"word":"you","start":552.105,"end":552.265,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2067404538393021},{"word":"do","start":552.265,"end":552.505,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.21603676676750183},{"word":"retain","start":552.505,"end":552.745,"confidence":0.9970703,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.1216583177447319},{"word":"your","start":552.745,"end":552.985,"confidence":0.9902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.20664848387241364},{"word":"cbass","start":552.985,"end":553.46497,"confidence":0.46435547,"punctuated_word":"CBass","sentiment":"neutral","sentiment_score":0.1531052142381668},{"word":"super","start":553.46497,"end":553.785,"confidence":0.57177734,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.17326563596725464},{"word":"fund","start":553.785,"end":554.02496,"confidence":0.8222656,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.18853342533111572},{"word":"to","start":554.02496,"end":554.185,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15046417713165283},{"word":"retain","start":554.185,"end":554.425,"confidence":0.99902344,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.09223762154579164},{"word":"your","start":554.425,"end":554.665,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1514081358909607},{"word":"insurances","start":554.665,"end":555.165,"confidence":0.9944661,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":0.12244951725006104},{"word":"but","start":555.305,"end":555.545,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.12517088651657104},{"word":"we","start":555.545,"end":555.705,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12471161782741548},{"word":"only","start":555.705,"end":556.02496,"confidence":0.99902344,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.11646594107151031},{"word":"wanna","start":556.02496,"end":556.345,"confidence":0.9863281,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.16306345164775848},{"word":"hold","start":556.345,"end":556.58496,"confidence":0.9921875,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.183760404586792},{"word":"that","start":556.58496,"end":556.745,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15400904417037964},{"word":"with","start":556.745,"end":556.90497,"confidence":0.9951172,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.10851577669382095},{"word":"a","start":556.90497,"end":557.065,"confidence":0.9536133,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1363004893064499},{"word":"minimum","start":557.065,"end":557.545,"confidence":0.99902344,"punctuated_word":"minimum","sentiment":"neutral","sentiment_score":0.06785822659730911},{"word":"amount","start":557.545,"end":557.785,"confidence":0.99121094,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.12966296076774597},{"word":"of","start":557.785,"end":557.7934,"confidence":0.9902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13156640529632568},{"word":"cover","start":557.7934,"end":557.8018,"confidence":0.93603516,"punctuated_word":"cover.","sentiment":"neutral","sentiment_score":0.11464831978082655},{"word":"so","start":557.8018,"end":557.81024,"confidence":0.9604492,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2091515213251114},{"word":"you'll","start":557.81024,"end":557.81866,"confidence":0.9472656,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.2865614891052246},{"word":"keep","start":557.81866,"end":557.8271,"confidence":0.9140625,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.33250629901885986},{"word":"your","start":557.8271,"end":557.8355,"confidence":0.7817383,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.3216589093208313},{"word":"contributions","start":557.8355,"end":557.84393,"confidence":0.8076172,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.2778874635696411},{"word":"going","start":557.84393,"end":557.85236,"confidence":0.80126953,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.40475156903266907},{"word":"into","start":557.85236,"end":557.8608,"confidence":0.75390625,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.3528614938259125},{"word":"cbass","start":557.8608,"end":557.8692,"confidence":0.982666,"punctuated_word":"CBass","sentiment":"neutral","sentiment_score":0.24481984972953796},{"word":"as","start":557.8692,"end":557.8776,"confidence":0.93359375,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3379380702972412},{"word":"they","start":557.8776,"end":557.88605,"confidence":0.95410156,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.28176647424697876},{"word":"are","start":557.88605,"end":557.8945,"confidence":0.9057617,"punctuated_word":"are,","sentiment":"neutral","sentiment_score":0.23431715369224548},{"word":"and","start":557.8945,"end":557.9029,"confidence":0.8857422,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2313258796930313},{"word":"then","start":557.9029,"end":557.9113,"confidence":0.8676758,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2599526047706604},{"word":"we're","start":557.9113,"end":557.91974,"confidence":0.8305664,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.2230319231748581},{"word":"gonna","start":557.91974,"end":557.92816,"confidence":0.9135742,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.2380205988883972},{"word":"roll","start":557.92816,"end":557.9366,"confidence":0.7260742,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":0.2488606870174408},{"word":"all","start":557.9366,"end":557.945,"confidence":0.5214844,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.24330005049705505},{"word":"of","start":557.945,"end":558.195,"confidence":0.2644043,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.24624629318714145},{"word":"that","start":558.195,"end":558.695,"confidence":0.19781494,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.23168280720710752},{"word":"retain","start":565.79004,"end":566.19,"confidence":0.6303711,"punctuated_word":"Retain","sentiment":"neutral","sentiment_score":0.2843536138534546},{"word":"c","start":566.19,"end":566.51,"confidence":0.87597656,"punctuated_word":"C","sentiment":"neutral","sentiment_score":0.24893459677696228},{"word":"bus","start":566.51,"end":566.83,"confidence":0.9013672,"punctuated_word":"bus","sentiment":"neutral","sentiment_score":0.31823843717575073},{"word":"with","start":566.83,"end":566.91003,"confidence":0.69873047,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3647408187389374},{"word":"a","start":566.91003,"end":566.99005,"confidence":0.8520508,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.380680114030838},{"word":"balance","start":566.99005,"end":567.31,"confidence":0.85058594,"punctuated_word":"balance","sentiment":"positive","sentiment_score":0.38716983795166016},{"word":"of","start":567.31,"end":567.47003,"confidence":0.97998047,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.42092564702034},{"word":"$10,000","start":567.47003,"end":568.59,"confidence":0.94799805,"punctuated_word":"$10,000","sentiment":"positive","sentiment_score":0.4830546081066131},{"word":"and","start":568.59,"end":568.99005,"confidence":0.94970703,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.35981154441833496},{"word":"keep","start":568.99005,"end":569.15,"confidence":0.8984375,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.4769324958324432},{"word":"your","start":569.15,"end":569.39,"confidence":0.94970703,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4798179864883423},{"word":"contributions","start":569.39,"end":569.89,"confidence":0.9707031,"punctuated_word":"contributions","sentiment":"positive","sentiment_score":0.46240100264549255},{"word":"moving","start":570.27,"end":570.51,"confidence":0.97509766,"punctuated_word":"moving","sentiment":"positive","sentiment_score":0.46503135561943054},{"word":"in","start":570.51,"end":571.01,"confidence":0.9616699,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.3292660117149353},{"word":"essentially","start":571.07,"end":571.57,"confidence":0.8376465,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":0.19106702506542209},{"word":"every","start":571.71,"end":572.03,"confidence":0.9980469,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.24662886559963224},{"word":"year","start":572.03,"end":572.27,"confidence":0.97924805,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.2600058913230896},{"word":"anything","start":572.27,"end":572.75,"confidence":0.9941406,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.3130163848400116},{"word":"above","start":572.75,"end":573.07,"confidence":0.98828125,"punctuated_word":"above","sentiment":"neutral","sentiment_score":0.2122562825679779},{"word":"that","start":573.07,"end":573.23004,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1932600885629654},{"word":"10,000","start":573.23004,"end":573.87,"confidence":0.9805908,"punctuated_word":"10,000,","sentiment":"neutral","sentiment_score":0.2358734905719757},{"word":"we","start":573.87,"end":574.03,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2664334774017334},{"word":"wanna","start":574.03,"end":574.35004,"confidence":0.9658203,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.3125614523887634},{"word":"have","start":574.35004,"end":574.59,"confidence":0.99121094,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2660585045814514},{"word":"rolled","start":574.59,"end":574.83,"confidence":0.8935547,"punctuated_word":"rolled","sentiment":"neutral","sentiment_score":0.31735825538635254},{"word":"that","start":574.83,"end":574.99005,"confidence":0.7495117,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.32706505060195923},{"word":"into","start":574.99005,"end":575.325,"confidence":0.86572266,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.32740214467048645},{"word":"hub","start":575.405,"end":575.565,"confidence":0.48168945,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.21185988187789917},{"word":"twenty","start":575.565,"end":575.805,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.28468918800354004},{"word":"four","start":575.805,"end":576.205,"confidence":1.0,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.28854426741600037},{"word":"and","start":576.205,"end":576.445,"confidence":0.9506836,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.27501577138900757},{"word":"keep","start":576.445,"end":576.685,"confidence":1.0,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.4313170313835144},{"word":"that","start":576.685,"end":576.84503,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.39962559938430786},{"word":"money","start":576.84503,"end":577.245,"confidence":1.0,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.4605738818645478},{"word":"moving","start":577.245,"end":577.745,"confidence":1.0,"punctuated_word":"moving","sentiment":"positive","sentiment_score":0.38869863748550415},{"word":"so","start":578.205,"end":578.365,"confidence":0.359375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.3287246525287628},{"word":"it","start":578.365,"end":578.525,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3785560727119446},{"word":"is","start":578.525,"end":578.765,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.37765467166900635},{"word":"invested","start":578.765,"end":579.16504,"confidence":0.9873047,"punctuated_word":"invested","sentiment":"positive","sentiment_score":0.36347174644470215},{"word":"within","start":579.16504,"end":579.485,"confidence":0.9902344,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.30566126108169556},{"word":"hub","start":579.485,"end":579.805,"confidence":0.9760742,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.21453896164894104},{"word":"24","start":579.805,"end":580.28503,"confidence":1.0,"punctuated_word":"24","sentiment":"neutral","sentiment_score":0.3116770386695862},{"word":"hoping","start":580.28503,"end":580.685,"confidence":0.5644531,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":0.327762246131897},{"word":"to","start":580.685,"end":580.84503,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3006761372089386},{"word":"get","start":580.84503,"end":581.085,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.29099443554878235},{"word":"greater","start":581.085,"end":581.485,"confidence":0.9873047,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.2974453866481781},{"word":"growth","start":581.485,"end":581.72504,"confidence":0.9970703,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.516405463218689},{"word":"there","start":581.72504,"end":581.965,"confidence":0.98095703,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.41502535343170166},{"word":"for","start":581.965,"end":582.205,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.33614078164100647},{"word":"you","start":582.205,"end":582.705,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2636933922767639},{"word":"i'm","start":583.805,"end":583.965,"confidence":0.96240234,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2662051320075989},{"word":"also","start":583.965,"end":584.445,"confidence":0.97802734,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.21450713276863095},{"word":"recommending","start":584.445,"end":584.925,"confidence":1.0,"punctuated_word":"recommending","sentiment":"neutral","sentiment_score":0.2934238910675049},{"word":"we","start":584.925,"end":585.16504,"confidence":0.95703125,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.24317003786563873},{"word":"retain","start":585.16504,"end":585.565,"confidence":0.98828125,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.19641490280628204},{"word":"hub","start":585.565,"end":585.805,"confidence":0.9838867,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.1482827365398407},{"word":"twenty","start":585.805,"end":586.045,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.15761126577854156},{"word":"four","start":586.045,"end":586.365,"confidence":0.99902344,"punctuated_word":"four.","sentiment":"neutral","sentiment_score":0.18717961013317108},{"word":"i","start":586.365,"end":586.525,"confidence":0.99902344,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.38079968094825745},{"word":"did","start":586.525,"end":586.685,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.3038327693939209},{"word":"review","start":586.685,"end":587.085,"confidence":0.99902344,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.2677556276321411},{"word":"both","start":587.085,"end":587.4,"confidence":0.99316406,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.25675809383392334},{"word":"super","start":587.56,"end":587.88,"confidence":0.97802734,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.3803256452083587},{"word":"funds","start":587.88,"end":588.12,"confidence":0.96655273,"punctuated_word":"funds.","sentiment":"neutral","sentiment_score":0.28523170948028564},{"word":"they","start":588.12,"end":588.36005,"confidence":1.0,"punctuated_word":"They","sentiment":"positive","sentiment_score":0.5390476584434509},{"word":"are","start":588.36005,"end":588.60004,"confidence":0.99902344,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.5116982460021973},{"word":"still","start":588.60004,"end":588.84,"confidence":0.9980469,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.507036566734314},{"word":"working","start":588.84,"end":589.24005,"confidence":1.0,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.621520459651947},{"word":"really","start":589.24005,"end":589.56,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.6625798940658569},{"word":"well","start":589.56,"end":590.06,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.5554904341697693},{"word":"hub","start":590.36005,"end":590.60004,"confidence":0.96435547,"punctuated_word":"Hub","sentiment":"positive","sentiment_score":0.6363607048988342},{"word":"twenty","start":590.60004,"end":590.84,"confidence":1.0,"punctuated_word":"twenty","sentiment":"positive","sentiment_score":0.54971843957901},{"word":"four","start":590.84,"end":591.08,"confidence":1.0,"punctuated_word":"four","sentiment":"positive","sentiment_score":0.5750788450241089},{"word":"is","start":591.08,"end":591.32,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.556451141834259},{"word":"still","start":591.32,"end":591.56,"confidence":0.9980469,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.49496278166770935},{"word":"a","start":591.56,"end":591.64,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5311281681060791},{"word":"great","start":591.64,"end":591.96,"confidence":1.0,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.6985462307929993},{"word":"fund","start":591.96,"end":592.36005,"confidence":0.84033203,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.1449832171201706},{"word":"and","start":592.36005,"end":592.60004,"confidence":0.9423828,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.009609926491975784},{"word":"obviously","start":592.60004,"end":593.0,"confidence":1.0,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.019090935587882996},{"word":"if","start":593.0,"end":593.16003,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.02349793910980225},{"word":"we","start":593.16003,"end":593.32,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.030656173825263977},{"word":"did","start":593.32,"end":593.56,"confidence":0.95947266,"punctuated_word":"did,","sentiment":"neutral","sentiment_score":-0.015983283519744873},{"word":"there","start":593.56,"end":593.80005,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.027392655611038208},{"word":"are","start":593.80005,"end":593.96,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.036941178143024445},{"word":"other","start":593.96,"end":594.2,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.049042701721191406},{"word":"funds","start":594.2,"end":594.44,"confidence":1.0,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.07939118146896362},{"word":"that","start":594.44,"end":594.68005,"confidence":0.8286133,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02289925515651703},{"word":"that","start":594.68005,"end":594.92004,"confidence":0.71728516,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.011722534894943236},{"word":"could","start":594.92004,"end":595.08,"confidence":0.67578125,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.033850863575935364},{"word":"be","start":595.08,"end":595.24005,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.06389948725700378},{"word":"a","start":595.24005,"end":595.4,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03876820206642151},{"word":"bit","start":595.4,"end":595.56,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.04968138039112091},{"word":"cheaper","start":595.56,"end":595.96,"confidence":0.9338379,"punctuated_word":"cheaper.","sentiment":"neutral","sentiment_score":-0.0006477683782577515},{"word":"but","start":595.96,"end":596.12,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.05979278311133385},{"word":"if","start":596.12,"end":596.28,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.17105647921562195},{"word":"we","start":596.28,"end":596.44,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.1534055769443512},{"word":"look","start":596.44,"end":596.68005,"confidence":0.984375,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.144429013133049},{"word":"to","start":596.68005,"end":597.18005,"confidence":0.9511719,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":-0.2024734616279602},{"word":"sell","start":597.80005,"end":598.04004,"confidence":0.96875,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.2775554656982422},{"word":"down","start":598.04004,"end":598.36005,"confidence":0.9970703,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.22530445456504825},{"word":"all","start":598.36005,"end":598.52,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.2157212793827057},{"word":"of","start":598.52,"end":598.68005,"confidence":0.9326172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.22430939972400665},{"word":"the","start":598.68005,"end":598.84,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.24760758876800537},{"word":"investments","start":598.84,"end":599.34,"confidence":0.9970703,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.1934189647436142},{"word":"and","start":599.48004,"end":599.64,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2903982400894165},{"word":"remove","start":599.64,"end":600.04004,"confidence":0.99609375,"punctuated_word":"remove","sentiment":"neutral","sentiment_score":-0.21136827766895297},{"word":"all","start":600.04004,"end":600.2,"confidence":0.9970703,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.2281008213758469},{"word":"the","start":600.2,"end":600.36005,"confidence":0.9707031,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.23668956756591797},{"word":"funds","start":600.36005,"end":600.60004,"confidence":0.9133301,"punctuated_word":"funds,","sentiment":"neutral","sentiment_score":-0.2531355023384094},{"word":"the","start":600.60004,"end":600.84,"confidence":0.9741211,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.3086731731891632},{"word":"cgt","start":600.84,"end":601.34,"confidence":0.9675293,"punctuated_word":"CGT","sentiment":"negative","sentiment_score":-0.3609939813613891},{"word":"affects","start":601.4,"end":601.80005,"confidence":0.48901367,"punctuated_word":"affects","sentiment":"neutral","sentiment_score":-0.24760308861732483},{"word":"your","start":601.80005,"end":602.12,"confidence":0.46923828,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.24636872112751007},{"word":"super","start":602.12,"end":602.44,"confidence":0.9589844,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.22436310350894928},{"word":"fund","start":602.44,"end":602.60004,"confidence":0.74853516,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.193851500749588},{"word":"just","start":602.60004,"end":602.84,"confidence":0.66064453,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.09671482443809508},{"word":"like","start":602.84,"end":603.0,"confidence":0.890625,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.04286123812198639},{"word":"you","start":603.0,"end":603.375,"confidence":0.9604492,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.039514027535915375},{"word":"actually","start":603.375,"end":603.615,"confidence":0.51416016,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.06723453104496002},{"word":"pays","start":603.615,"end":603.855,"confidence":0.8017578,"punctuated_word":"pays","sentiment":"neutral","sentiment_score":-0.12229454517364502},{"word":"tax","start":603.855,"end":604.175,"confidence":0.99609375,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.17050153017044067},{"word":"every","start":604.175,"end":604.415,"confidence":0.99902344,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.09906518459320068},{"word":"year","start":604.415,"end":604.575,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.11383488774299622},{"word":"and","start":604.575,"end":605.075,"confidence":0.96533203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.13006025552749634},{"word":"has","start":605.135,"end":605.255,"confidence":0.8886719,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.11165203899145126},{"word":"pays","start":605.375,"end":605.775,"confidence":0.98095703,"punctuated_word":"pays","sentiment":"neutral","sentiment_score":-0.13397414982318878},{"word":"capital","start":605.775,"end":606.175,"confidence":0.99902344,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.2338876277208328},{"word":"gains","start":606.175,"end":606.495,"confidence":0.98828125,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":-0.18041321635246277},{"word":"tax","start":606.495,"end":606.735,"confidence":0.88183594,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.08238452672958374},{"word":"and","start":606.735,"end":606.895,"confidence":0.95947266,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.24624553322792053},{"word":"income","start":606.895,"end":607.295,"confidence":0.7338867,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.18930423259735107},{"word":"tax","start":607.295,"end":607.795,"confidence":0.88623047,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":-0.12370210886001588},{"word":"if","start":608.415,"end":608.655,"confidence":0.85253906,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.11982592940330504},{"word":"we","start":608.655,"end":608.815,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.1349647343158722},{"word":"were","start":608.815,"end":609.055,"confidence":0.99609375,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.14293554425239563},{"word":"to","start":609.055,"end":609.215,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.18860764801502228},{"word":"sell","start":609.215,"end":609.535,"confidence":0.7739258,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.29258403182029724},{"word":"down","start":609.535,"end":609.775,"confidence":0.9863281,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.2576026916503906},{"word":"and","start":609.775,"end":609.855,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.3317411541938782},{"word":"move","start":609.855,"end":610.095,"confidence":0.9970703,"punctuated_word":"move","sentiment":"neutral","sentiment_score":-0.23618417978286743},{"word":"to","start":610.095,"end":610.255,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15288081765174866},{"word":"another","start":610.255,"end":610.655,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.22213466465473175},{"word":"fund","start":610.655,"end":611.155,"confidence":0.99658203,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":-0.17199045419692993},{"word":"it","start":611.615,"end":611.855,"confidence":0.99121094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.19094069302082065},{"word":"would","start":611.855,"end":612.015,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.18400463461875916},{"word":"have","start":612.015,"end":612.255,"confidence":0.99609375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1334557831287384},{"word":"a","start":612.255,"end":612.415,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15807601809501648},{"word":"greater","start":612.415,"end":612.815,"confidence":0.99316406,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":-0.1674349457025528},{"word":"a","start":612.895,"end":613.055,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15563911199569702},{"word":"larger","start":613.055,"end":613.555,"confidence":0.98535156,"punctuated_word":"larger","sentiment":"neutral","sentiment_score":-0.14803248643875122},{"word":"cgt","start":613.615,"end":614.115,"confidence":0.9890137,"punctuated_word":"CGT","sentiment":"neutral","sentiment_score":-0.15738005936145782},{"word":"effect","start":614.175,"end":614.575,"confidence":0.87841797,"punctuated_word":"effect","sentiment":"neutral","sentiment_score":-0.11155346035957336},{"word":"for","start":614.575,"end":614.655,"confidence":0.85498047,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.12437081336975098},{"word":"your","start":614.655,"end":614.895,"confidence":0.95166016,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.06259623169898987},{"word":"super","start":614.895,"end":615.295,"confidence":0.92456055,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":-0.017209745943546295},{"word":"which","start":615.295,"end":615.535,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.10822519659996031},{"word":"meant","start":615.535,"end":615.855,"confidence":0.94970703,"punctuated_word":"meant","sentiment":"neutral","sentiment_score":-0.15489865839481354},{"word":"which","start":616.015,"end":616.255,"confidence":0.9980469,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.1552099883556366},{"word":"means","start":616.255,"end":616.495,"confidence":0.9951172,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.15447810292243958},{"word":"your","start":616.495,"end":616.815,"confidence":0.94628906,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.20273971557617188},{"word":"fund","start":616.815,"end":617.055,"confidence":0.9291992,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.20807690918445587},{"word":"would","start":617.055,"end":617.28,"confidence":0.9770508,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.1667691171169281},{"word":"have","start":617.28,"end":617.44,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1960121393203735},{"word":"to","start":617.44,"end":617.60004,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.19387641549110413},{"word":"pay","start":617.60004,"end":617.68005,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.21529217064380649},{"word":"more","start":617.68005,"end":618.0,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.18244272470474243},{"word":"tax","start":618.0,"end":618.48004,"confidence":0.98950195,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":-0.21658839285373688},{"word":"so","start":618.48004,"end":618.88,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.032883040606975555},{"word":"it","start":618.88,"end":619.04004,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04057169705629349},{"word":"is","start":619.04004,"end":619.28,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.07044368237257004},{"word":"best","start":619.28,"end":619.52,"confidence":0.9863281,"punctuated_word":"best","sentiment":"neutral","sentiment_score":-0.04290042817592621},{"word":"to","start":619.52,"end":619.60004,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.005945965647697449},{"word":"retain","start":619.60004,"end":620.0,"confidence":0.99902344,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":-0.012991413474082949},{"word":"hub","start":620.0,"end":620.24005,"confidence":0.35058594,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.03552490472793579},{"word":"twenty","start":620.24005,"end":620.48004,"confidence":1.0,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.15534882247447968},{"word":"four","start":620.48004,"end":620.72003,"confidence":0.99902344,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.17321577668190002},{"word":"at","start":620.72003,"end":620.88,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08809465914964676},{"word":"the","start":620.88,"end":620.96,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1166999563574791},{"word":"moment","start":620.96,"end":621.46,"confidence":0.9980469,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.16518189013004303},{"word":"realistically","start":621.52,"end":622.02,"confidence":0.99902344,"punctuated_word":"Realistically,","sentiment":"neutral","sentiment_score":0.1958976089954376},{"word":"hub","start":622.32,"end":622.56006,"confidence":0.97314453,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.28951412439346313},{"word":"twenty","start":622.56006,"end":622.88,"confidence":1.0,"punctuated_word":"twenty","sentiment":"positive","sentiment_score":0.3543548285961151},{"word":"four","start":622.88,"end":623.12006,"confidence":1.0,"punctuated_word":"four","sentiment":"positive","sentiment_score":0.3628145456314087},{"word":"hasn't","start":623.12006,"end":623.44,"confidence":0.9995117,"punctuated_word":"hasn't","sentiment":"neutral","sentiment_score":0.22477540373802185},{"word":"made","start":623.44,"end":623.68005,"confidence":1.0,"punctuated_word":"made","sentiment":"neutral","sentiment_score":-0.09536848962306976},{"word":"any","start":623.68005,"end":623.92004,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.11415226757526398},{"word":"changes","start":623.92004,"end":624.32,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.2576732337474823},{"word":"that","start":624.32,"end":624.48004,"confidence":0.8642578,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.21408075094223025},{"word":"are","start":624.48004,"end":624.64,"confidence":0.9951172,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.23078176379203796},{"word":"detrimental","start":624.64,"end":625.14,"confidence":0.99609375,"punctuated_word":"detrimental.","sentiment":"neutral","sentiment_score":-0.04563942551612854},{"word":"it","start":625.52,"end":625.68005,"confidence":1.0,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.6734234690666199},{"word":"is","start":625.68005,"end":625.84,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6199200749397278},{"word":"still","start":625.84,"end":626.08,"confidence":1.0,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.5789579749107361},{"word":"a","start":626.08,"end":626.16003,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7392799854278564},{"word":"great","start":626.16003,"end":626.56006,"confidence":1.0,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.749329686164856},{"word":"fund","start":626.56006,"end":626.88,"confidence":0.9980469,"punctuated_word":"fund","sentiment":"positive","sentiment_score":0.6589394807815552},{"word":"and","start":626.88,"end":627.12006,"confidence":0.9741211,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.7039144039154053},{"word":"still","start":627.12006,"end":627.36005,"confidence":0.99902344,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.669184684753418},{"word":"has","start":627.36005,"end":627.60004,"confidence":0.99902344,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.7214430570602417},{"word":"the","start":627.60004,"end":627.76,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6839979290962219},{"word":"most","start":627.76,"end":628.08,"confidence":0.99902344,"punctuated_word":"most","sentiment":"positive","sentiment_score":0.691585898399353},{"word":"amount","start":628.08,"end":628.4,"confidence":0.9951172,"punctuated_word":"amount","sentiment":"positive","sentiment_score":0.709897518157959},{"word":"of","start":628.4,"end":628.56006,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.6235578060150146},{"word":"investment","start":628.56006,"end":629.06006,"confidence":0.99121094,"punctuated_word":"investment","sentiment":"positive","sentiment_score":0.3799313604831696},{"word":"options","start":629.12006,"end":629.52,"confidence":0.99902344,"punctuated_word":"options","sentiment":"positive","sentiment_score":0.4473633766174317},{"word":"to","start":629.52,"end":629.68005,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.587907612323761},{"word":"be","start":629.68005,"end":629.84,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.5531408786773682},{"word":"able","start":629.84,"end":630.08,"confidence":1.0,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.6402813196182251},{"word":"to","start":630.08,"end":630.24005,"confidence":0.9951172,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.701261043548584},{"word":"adjust","start":630.24005,"end":630.56006,"confidence":1.0,"punctuated_word":"adjust","sentiment":"positive","sentiment_score":0.5281229019165039},{"word":"your","start":630.56006,"end":630.88,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.6233552694320679},{"word":"portfolio","start":630.88,"end":631.38,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.2228432893753052},{"word":"within","start":631.52,"end":632.02,"confidence":0.99902344,"punctuated_word":"within.","sentiment":"positive","sentiment_score":0.5761005878448486},{"word":"okay","start":632.24005,"end":632.74005,"confidence":0.94750977,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.23509761691093445},{"word":"because","start":634.425,"end":634.825,"confidence":0.90283203,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.035282574594020844},{"word":"your","start":634.825,"end":635.065,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.053481705486774445},{"word":"super","start":635.065,"end":635.385,"confidence":0.96972656,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.05050581693649292},{"word":"balance","start":635.385,"end":635.885,"confidence":0.9790039,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.02704016864299774},{"word":"is","start":635.945,"end":636.185,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04406631737947464},{"word":"only","start":636.185,"end":636.505,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.005643300712108612},{"word":"at","start":636.505,"end":636.825,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06576070189476013},{"word":"11,000","start":636.825,"end":637.785,"confidence":0.99450684,"punctuated_word":"11,000,","sentiment":"neutral","sentiment_score":0.05268838256597519},{"word":"normally","start":637.785,"end":638.185,"confidence":0.9550781,"punctuated_word":"normally,","sentiment":"neutral","sentiment_score":0.002905692905187607},{"word":"we","start":638.185,"end":638.345,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.022111497819423676},{"word":"wanna","start":638.345,"end":638.665,"confidence":0.9941406,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.03533318266272545},{"word":"roll","start":638.665,"end":638.985,"confidence":0.99902344,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":0.026709116995334625},{"word":"over","start":638.985,"end":639.225,"confidence":0.8310547,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.025613225996494293},{"word":"10,000","start":639.225,"end":639.945,"confidence":0.9995117,"punctuated_word":"10,000","sentiment":"neutral","sentiment_score":0.040465161204338074},{"word":"over","start":639.945,"end":640.345,"confidence":0.9667969,"punctuated_word":"over.","sentiment":"neutral","sentiment_score":0.02306145429611206},{"word":"i","start":640.345,"end":640.505,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13686755299568176},{"word":"do","start":640.505,"end":640.585,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.16401487588882446},{"word":"not","start":640.585,"end":640.90497,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.16330814361572266},{"word":"see","start":640.90497,"end":641.145,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.1516309380531311},{"word":"a","start":641.145,"end":641.385,"confidence":0.97314453,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.18418002128601071},{"word":"need","start":641.385,"end":641.625,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.1428668648004532},{"word":"to","start":641.625,"end":641.705,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.19750761985778809},{"word":"roll","start":641.705,"end":642.205,"confidence":0.751709,"punctuated_word":"roll,","sentiment":"neutral","sentiment_score":-0.17260289192199707},{"word":"basically","start":642.745,"end":643.245,"confidence":0.8442383,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":-0.16674602031707764},{"word":"a","start":643.625,"end":643.865,"confidence":0.93603516,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.19112347066402435},{"word":"$1,000","start":643.865,"end":644.745,"confidence":0.94140625,"punctuated_word":"$1,000","sentiment":"neutral","sentiment_score":-0.11957071721553802},{"word":"out","start":644.745,"end":644.90497,"confidence":0.9980469,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.2295035421848297},{"word":"of","start":644.90497,"end":644.985,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.20140311121940613},{"word":"the","start":644.985,"end":645.145,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.175120547413826},{"word":"c","start":645.145,"end":645.385,"confidence":0.40039062,"punctuated_word":"c","sentiment":"neutral","sentiment_score":-0.1769675314426422},{"word":"bus","start":645.385,"end":645.625,"confidence":0.7529297,"punctuated_word":"bus","sentiment":"neutral","sentiment_score":-0.16057153046131134},{"word":"account","start":645.625,"end":646.125,"confidence":0.9526367,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":-0.19046029448509216},{"word":"so","start":646.265,"end":646.505,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.09575650840997696},{"word":"what","start":646.505,"end":646.665,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.11203071475028992},{"word":"i","start":646.665,"end":646.825,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1048477292060852},{"word":"will","start":646.825,"end":647.065,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.06301527470350266},{"word":"do","start":647.065,"end":647.305,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.08153966069221497},{"word":"for","start":647.305,"end":647.46497,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.07274944335222244},{"word":"now","start":647.46497,"end":647.705,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.06417476385831833},{"word":"is","start":647.705,"end":647.945,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.041474685072898865},{"word":"i'm","start":647.945,"end":648.025,"confidence":0.9926758,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.133844792842865},{"word":"not","start":648.025,"end":648.185,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2607397735118866},{"word":"gonna","start":648.185,"end":648.425,"confidence":0.9980469,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.17233309149742126},{"word":"do","start":648.425,"end":648.69,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.18723292648792267},{"word":"a","start":648.77,"end":648.93,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.23158393800258636},{"word":"rollover","start":648.93,"end":649.43,"confidence":0.97558594,"punctuated_word":"rollover","sentiment":"neutral","sentiment_score":-0.28126004338264465},{"word":"right","start":649.57,"end":649.81,"confidence":0.98828125,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.19198709726333615},{"word":"now","start":649.81,"end":650.13,"confidence":0.9970703,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.18288233876228333},{"word":"we'll","start":650.13,"end":650.37,"confidence":1.0,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":-0.09187023341655733},{"word":"probably","start":650.37,"end":650.69,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.09024877846240996},{"word":"just","start":650.69,"end":650.93,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1019926592707634},{"word":"wait","start":650.93,"end":651.17,"confidence":1.0,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":-0.06366018205881119},{"word":"till","start":651.17,"end":651.25,"confidence":0.87890625,"punctuated_word":"till","sentiment":"neutral","sentiment_score":-0.03600353002548218},{"word":"the","start":651.25,"end":651.41,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02849072217941284},{"word":"next","start":651.41,"end":651.73,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.038515157997608185},{"word":"catch","start":651.73,"end":652.05,"confidence":0.99902344,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":-0.06663195043802261},{"word":"up","start":652.05,"end":652.53,"confidence":0.99658203,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":-0.06727221608161926},{"word":"we'll","start":652.53,"end":652.69,"confidence":1.0,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.007912179455161095},{"word":"check","start":652.69,"end":652.93,"confidence":1.0,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.03230898454785347},{"word":"the","start":652.93,"end":653.17,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.014269299805164335},{"word":"c","start":653.17,"end":653.33,"confidence":0.98828125,"punctuated_word":"c","sentiment":"neutral","sentiment_score":-0.0024133063852787018},{"word":"bus","start":653.33,"end":653.65,"confidence":0.9902344,"punctuated_word":"bus","sentiment":"neutral","sentiment_score":-0.009247563779354095},{"word":"balance","start":653.65,"end":654.05,"confidence":0.99902344,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":-0.005857601761817932},{"word":"then","start":654.05,"end":654.37,"confidence":0.8552246,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":0.027459755539894104},{"word":"and","start":654.37,"end":654.61,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.01605818048119545},{"word":"if","start":654.61,"end":654.77,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.01665617525577545},{"word":"we","start":654.77,"end":654.85,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.01925124973058701},{"word":"need","start":654.85,"end":655.09,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.0005632936954498291},{"word":"to","start":655.09,"end":655.17,"confidence":0.96777344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.005506239831447601},{"word":"do","start":655.17,"end":655.33,"confidence":0.97509766,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.004980243742465973},{"word":"a","start":655.33,"end":655.49,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02179013192653656},{"word":"rollover","start":655.49,"end":655.89,"confidence":0.94840497,"punctuated_word":"rollover,","sentiment":"neutral","sentiment_score":-0.025686314329504967},{"word":"then","start":655.89,"end":656.05,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.023731790482997894},{"word":"if","start":656.05,"end":656.21,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.008943550288677216},{"word":"the","start":656.21,"end":656.29,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01791544258594513},{"word":"balance","start":656.29,"end":656.61,"confidence":0.99902344,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":-0.031979843974113464},{"word":"is","start":656.61,"end":656.77,"confidence":0.9902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.016865156590938568},{"word":"a","start":656.77,"end":656.85,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.024509146809577945},{"word":"bit","start":656.85,"end":657.09,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.061626091599464417},{"word":"higher","start":657.09,"end":657.33,"confidence":0.9902344,"punctuated_word":"higher,","sentiment":"neutral","sentiment_score":0.001929108053445816},{"word":"then","start":657.33,"end":657.49,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06870852410793304},{"word":"we'll","start":657.49,"end":657.73,"confidence":0.9995117,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.09794702380895616},{"word":"roll","start":657.73,"end":657.97003,"confidence":0.99902344,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":0.12334824353456496},{"word":"some","start":657.97003,"end":658.13,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.0669771134853363},{"word":"money","start":658.13,"end":658.53,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.1111641377210617},{"word":"out","start":658.53,"end":658.77,"confidence":0.99316406,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.15726840496063232},{"word":"for","start":658.77,"end":658.93,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.081883005797863},{"word":"you","start":658.93,"end":659.41,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.05962926149368286},{"word":"okay","start":659.41,"end":659.91,"confidence":0.99121094,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.05293063819408417},{"word":"yeah","start":675.265,"end":675.765,"confidence":0.9550781,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1763298064470291},{"word":"i","start":676.13,"end":676.37,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1762094497680664},{"word":"am","start":676.37,"end":676.76996,"confidence":1.0,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.19153642654418945},{"word":"recommending","start":676.76996,"end":677.25,"confidence":1.0,"punctuated_word":"recommending","sentiment":"neutral","sentiment_score":0.2528703510761261},{"word":"that","start":677.25,"end":677.49,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3322235345840454},{"word":"you","start":677.49,"end":677.81,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.35315239429473877},{"word":"make","start":677.81,"end":678.05,"confidence":0.9741211,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.4266219437122345},{"word":"those","start":678.05,"end":678.52997,"confidence":0.9428711,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.3671358823776245},{"word":"do","start":678.85,"end":679.08997,"confidence":0.61328125,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.35344427824020386},{"word":"change","start":679.08997,"end":679.41,"confidence":0.9970703,"punctuated_word":"change","sentiment":"positive","sentiment_score":0.36643746495246887},{"word":"and","start":679.41,"end":679.64996,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3127649128437042},{"word":"have","start":679.64996,"end":679.81,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.329079806804657},{"word":"that","start":679.81,"end":680.05,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2840256690979004},{"word":"paid","start":680.05,"end":680.29,"confidence":0.99902344,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.3055369257926941},{"word":"on","start":680.29,"end":680.52997,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.3378520607948303},{"word":"more","start":680.52997,"end":680.76996,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.28496575355529785},{"word":"of","start":680.76996,"end":680.85,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3913551867008209},{"word":"a","start":680.85,"end":681.01,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3794489800930023},{"word":"regular","start":681.01,"end":681.41,"confidence":1.0,"punctuated_word":"regular","sentiment":"positive","sentiment_score":0.3878645896911621},{"word":"basis","start":681.41,"end":681.81,"confidence":0.71191406,"punctuated_word":"basis.","sentiment":"neutral","sentiment_score":0.3120928704738617},{"word":"so","start":681.81,"end":682.05,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.22764526307582855},{"word":"so","start":682.05,"end":682.29,"confidence":0.98291016,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.24844323098659515},{"word":"instead","start":682.29,"end":682.61,"confidence":1.0,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":0.1157308667898178},{"word":"of","start":682.61,"end":682.76996,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1336110234260559},{"word":"doing","start":682.76996,"end":683.08997,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.16613231599330902},{"word":"it","start":683.08997,"end":683.33,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1858372688293457},{"word":"quarterly","start":683.33,"end":683.83,"confidence":1.0,"punctuated_word":"quarterly,","sentiment":"neutral","sentiment_score":0.10939118266105652},{"word":"try","start":683.89,"end":684.20996,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.13875678181648254},{"word":"doing","start":684.20996,"end":684.45,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.16166436672210693},{"word":"it","start":684.45,"end":684.61,"confidence":0.9941406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1947120726108551},{"word":"weekly","start":684.61,"end":685.01,"confidence":1.0,"punctuated_word":"weekly","sentiment":"neutral","sentiment_score":0.20657727122306824},{"word":"or","start":685.01,"end":685.17,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.1713007390499115},{"word":"fortnightly","start":685.17,"end":685.67,"confidence":0.9947917,"punctuated_word":"fortnightly.","sentiment":"neutral","sentiment_score":0.1709369421005249},{"word":"that","start":686.20996,"end":686.37,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.14394567906856537},{"word":"way","start":686.37,"end":686.61,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.1482841819524765},{"word":"you're","start":686.61,"end":686.85,"confidence":0.77905273,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2743302881717682},{"word":"putting","start":686.85,"end":687.33,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.3091237545013428},{"word":"smaller","start":687.33,"end":687.81,"confidence":1.0,"punctuated_word":"smaller","sentiment":"neutral","sentiment_score":0.1741270124912262},{"word":"amounts","start":687.81,"end":688.20996,"confidence":0.94189453,"punctuated_word":"amounts","sentiment":"neutral","sentiment_score":0.1440826654434204},{"word":"in","start":688.20996,"end":688.45,"confidence":0.704834,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.21384933590888977},{"word":"yeah","start":688.45,"end":688.69,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.3396170437335968},{"word":"that","start":688.69,"end":688.85,"confidence":0.99902344,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.3161276578903198},{"word":"way","start":688.85,"end":689.01,"confidence":1.0,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.4194148778915405},{"word":"you're","start":689.01,"end":689.25,"confidence":0.9460449,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.4495179057121277},{"word":"putting","start":689.25,"end":689.57,"confidence":1.0,"punctuated_word":"putting","sentiment":"positive","sentiment_score":0.49840784072875977},{"word":"smaller","start":689.57,"end":689.97,"confidence":1.0,"punctuated_word":"smaller","sentiment":"positive","sentiment_score":0.4524906873703003},{"word":"amounts","start":689.97,"end":690.37,"confidence":0.99609375,"punctuated_word":"amounts","sentiment":"positive","sentiment_score":0.34891626238822937},{"word":"in","start":690.37,"end":690.61,"confidence":0.9980469,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.45685064792633057},{"word":"more","start":690.61,"end":690.85,"confidence":0.99902344,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.35302281379699707},{"word":"regularly","start":690.85,"end":691.35,"confidence":0.9921875,"punctuated_word":"regularly.","sentiment":"positive","sentiment_score":0.4802621603012085},{"word":"your","start":692.14496,"end":692.305,"confidence":0.9770508,"punctuated_word":"Your","sentiment":"positive","sentiment_score":0.6672201156616211},{"word":"super","start":692.305,"end":692.70496,"confidence":0.92089844,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.7544084787368774},{"word":"fund","start":692.70496,"end":693.02496,"confidence":0.95166016,"punctuated_word":"fund","sentiment":"positive","sentiment_score":0.721060037612915},{"word":"actually","start":693.02496,"end":693.425,"confidence":0.9941406,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.6393629312515259},{"word":"benefits","start":693.425,"end":693.925,"confidence":0.9970703,"punctuated_word":"benefits","sentiment":"positive","sentiment_score":0.6790067553520203},{"word":"greater","start":693.985,"end":694.38495,"confidence":0.9902344,"punctuated_word":"greater","sentiment":"positive","sentiment_score":0.7287917137145996},{"word":"from","start":694.38495,"end":694.625,"confidence":1.0,"punctuated_word":"from","sentiment":"positive","sentiment_score":0.6956640481948853},{"word":"that","start":694.625,"end":694.865,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6886058449745178},{"word":"because","start":694.865,"end":695.105,"confidence":0.9482422,"punctuated_word":"because","sentiment":"positive","sentiment_score":0.45039817690849304},{"word":"you're","start":695.105,"end":695.505,"confidence":0.97021484,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.6663548350334167},{"word":"properly","start":695.505,"end":696.005,"confidence":0.96240234,"punctuated_word":"properly","sentiment":"positive","sentiment_score":0.6350236535072327},{"word":"dollar","start":696.065,"end":696.305,"confidence":0.99609375,"punctuated_word":"dollar","sentiment":"positive","sentiment_score":0.5346741080284119},{"word":"cost","start":696.305,"end":696.625,"confidence":0.99609375,"punctuated_word":"cost","sentiment":"positive","sentiment_score":0.6398508548736572},{"word":"averaging","start":696.625,"end":697.105,"confidence":0.98095703,"punctuated_word":"averaging","sentiment":"positive","sentiment_score":0.6265730857849121},{"word":"into","start":697.105,"end":697.425,"confidence":0.9980469,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.6012526154518127},{"word":"the","start":697.425,"end":697.58496,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5669276714324951},{"word":"fund","start":697.58496,"end":698.08496,"confidence":0.7583008,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":-0.013381488621234894},{"word":"but","start":698.14496,"end":698.305,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.2774227261543274},{"word":"it","start":698.305,"end":698.46497,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.24290618300437927},{"word":"also","start":698.46497,"end":698.785,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.22470296919345856},{"word":"means","start":698.785,"end":699.185,"confidence":1.0,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.17394067347049713},{"word":"instead","start":699.185,"end":699.425,"confidence":0.93847656,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":0.15435869991779327},{"word":"of","start":699.425,"end":699.58496,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20029503107070923},{"word":"having","start":699.58496,"end":699.90497,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.2351263165473938},{"word":"a","start":699.90497,"end":700.065,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2179032862186432},{"word":"larger","start":700.065,"end":700.545,"confidence":0.98095703,"punctuated_word":"larger","sentiment":"neutral","sentiment_score":0.13585220277309418},{"word":"lump","start":700.545,"end":700.865,"confidence":0.99902344,"punctuated_word":"lump","sentiment":"neutral","sentiment_score":0.06726162880659103},{"word":"sum","start":700.865,"end":701.345,"confidence":0.99609375,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":0.14155703783035278},{"word":"on","start":701.345,"end":701.505,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2650902271270752},{"word":"a","start":701.505,"end":701.665,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2781815528869629},{"word":"quarterly","start":701.665,"end":702.14496,"confidence":0.99902344,"punctuated_word":"quarterly","sentiment":"neutral","sentiment_score":0.2252612262964249},{"word":"basis","start":702.14496,"end":702.545,"confidence":0.9975586,"punctuated_word":"basis,","sentiment":"neutral","sentiment_score":0.26842111349105835},{"word":"you're","start":702.545,"end":702.785,"confidence":0.9926758,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.35628542304039},{"word":"just","start":702.785,"end":702.945,"confidence":1.0,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.34958416223526},{"word":"putting","start":702.945,"end":703.345,"confidence":1.0,"punctuated_word":"putting","sentiment":"positive","sentiment_score":0.3786608576774597},{"word":"smaller","start":703.345,"end":703.665,"confidence":0.99902344,"punctuated_word":"smaller","sentiment":"positive","sentiment_score":0.36987462639808655},{"word":"amounts","start":703.665,"end":704.14496,"confidence":0.98828125,"punctuated_word":"amounts","sentiment":"neutral","sentiment_score":0.32978832721710205},{"word":"in","start":704.14496,"end":704.305,"confidence":0.99609375,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.462542325258255},{"word":"more","start":704.305,"end":704.545,"confidence":0.99902344,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.3907346725463867},{"word":"regularly","start":704.545,"end":705.045,"confidence":0.73010254,"punctuated_word":"regularly,","sentiment":"positive","sentiment_score":0.4225678145885467},{"word":"so","start":705.105,"end":705.345,"confidence":0.9980469,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.41473388671875},{"word":"it's","start":705.345,"end":705.505,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.5248494148254395},{"word":"much","start":705.505,"end":705.66,"confidence":0.9428711,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.5551804900169373},{"word":"more","start":705.74,"end":706.06,"confidence":1.0,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.4239763617515564},{"word":"manageable","start":706.06,"end":706.56,"confidence":1.0,"punctuated_word":"manageable","sentiment":"positive","sentiment_score":0.5709428787231445},{"word":"to","start":706.62,"end":706.77997,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6463326811790466},{"word":"do","start":706.77997,"end":707.01996,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.5699711441993713},{"word":"for","start":707.01996,"end":707.18,"confidence":0.99609375,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5984578728675842},{"word":"you","start":707.18,"end":707.5,"confidence":0.99902344,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4059002995491028},{"word":"so","start":707.5,"end":707.98,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.31362566351890564},{"word":"i'm","start":707.98,"end":708.22,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.43537014722824097},{"word":"also","start":708.22,"end":708.62,"confidence":0.9980469,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.36063316464424133},{"word":"recommending","start":708.62,"end":709.12,"confidence":1.0,"punctuated_word":"recommending","sentiment":"positive","sentiment_score":0.45393937826156616},{"word":"as","start":709.18,"end":709.33997,"confidence":0.89208984,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.406213641166687},{"word":"part","start":709.33997,"end":709.5,"confidence":0.99902344,"punctuated_word":"part","sentiment":"positive","sentiment_score":0.4872589111328125},{"word":"of","start":709.5,"end":709.66,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5149890184402466},{"word":"the","start":709.66,"end":709.74,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4919987916946411},{"word":"advice","start":709.74,"end":710.13995,"confidence":0.98828125,"punctuated_word":"advice","sentiment":"positive","sentiment_score":0.5289003849029541},{"word":"that","start":710.13995,"end":710.22,"confidence":0.99609375,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4604916572570801},{"word":"you","start":710.22,"end":710.45996,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5110923051834106},{"word":"make","start":710.45996,"end":710.62,"confidence":0.96875,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.4952839016914368},{"word":"that","start":710.62,"end":710.86,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.542076587677002},{"word":"small","start":710.86,"end":711.18,"confidence":0.99902344,"punctuated_word":"small","sentiment":"positive","sentiment_score":0.510295033454895},{"word":"change","start":711.18,"end":711.68,"confidence":0.7644043,"punctuated_word":"change.","sentiment":"positive","sentiment_score":0.3932414650917053},{"word":"and","start":711.74,"end":712.06,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.32992711663246155},{"word":"every","start":712.06,"end":712.3,"confidence":0.99902344,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.3028109669685364},{"word":"week","start":712.3,"end":712.54,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.32170045375823975},{"word":"or","start":712.54,"end":712.77997,"confidence":0.9970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.332694411277771},{"word":"fortnight","start":712.77997,"end":713.25995,"confidence":0.99560547,"punctuated_word":"fortnight,","sentiment":"neutral","sentiment_score":0.32210755348205566},{"word":"you","start":713.25995,"end":713.42,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2984135150909424},{"word":"just","start":713.42,"end":713.66,"confidence":1.0,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.33599165081977844},{"word":"make","start":713.66,"end":713.81995,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.33021968603134155},{"word":"that","start":713.81995,"end":714.06,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3416145443916321},{"word":"additional","start":714.06,"end":714.56,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.24715690314769745},{"word":"contribution","start":714.62,"end":715.12,"confidence":1.0,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.2894676625728607},{"word":"in","start":715.25995,"end":715.42,"confidence":0.9589844,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.29982510209083557},{"word":"and","start":715.42,"end":715.5,"confidence":0.80322266,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2450222373008728},{"word":"out","start":715.5,"end":715.74,"confidence":1.0,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.3359430134296417},{"word":"of","start":715.74,"end":715.81995,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.30239176750183105},{"word":"your","start":715.81995,"end":716.31995,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.23670636117458344},{"word":"self","start":716.37994,"end":716.69995,"confidence":0.74560547,"punctuated_word":"self","sentiment":"neutral","sentiment_score":0.22857673466205597},{"word":"employed","start":716.69995,"end":717.1,"confidence":0.9941406,"punctuated_word":"employed","sentiment":"neutral","sentiment_score":0.21390323340892792},{"word":"wages","start":717.1,"end":717.6,"confidence":1.0,"punctuated_word":"wages.","sentiment":"neutral","sentiment_score":0.18854747712612152},{"word":"okay","start":717.81995,"end":718.215,"confidence":0.9851074,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.11318303644657136},{"word":"yeah","start":722.05505,"end":722.55505,"confidence":0.87768555,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01735023409128189},{"word":"yeah","start":723.815,"end":724.29504,"confidence":0.98657227,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04571987688541413},{"word":"yeah","start":724.29504,"end":724.53503,"confidence":0.96069336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06760488450527191},{"word":"comp","start":724.53503,"end":724.85504,"confidence":0.4807129,"punctuated_word":"Comp","sentiment":"neutral","sentiment_score":0.0739116296172142},{"word":"companies","start":725.09503,"end":725.575,"confidence":0.9980469,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.0732053890824318},{"word":"are","start":725.575,"end":725.73505,"confidence":0.9970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.09918750077486038},{"word":"definitely","start":725.73505,"end":726.135,"confidence":1.0,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.1924513876438141},{"word":"supposed","start":726.135,"end":726.53503,"confidence":0.98095703,"punctuated_word":"supposed","sentiment":"neutral","sentiment_score":0.1408540904521942},{"word":"to","start":726.53503,"end":726.695,"confidence":0.87109375,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":0.11389350146055222},{"word":"i'm","start":726.695,"end":726.85504,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.20787271857261655},{"word":"pretty","start":726.85504,"end":727.09503,"confidence":1.0,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.2885058522224426},{"word":"sure","start":727.09503,"end":727.255,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.17546634376049042},{"word":"for","start":727.255,"end":727.49506,"confidence":0.9658203,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.25303858518600464},{"word":"yourself","start":727.49506,"end":727.815,"confidence":0.8840332,"punctuated_word":"yourself,","sentiment":"neutral","sentiment_score":0.26899003982543945},{"word":"it","start":727.815,"end":728.05505,"confidence":0.97998047,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2570224106311798},{"word":"it","start":728.05505,"end":728.135,"confidence":0.6411133,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.21020832657814023},{"word":"is","start":728.135,"end":728.29504,"confidence":0.9790039,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.20250487327575684},{"word":"best","start":728.29504,"end":728.53503,"confidence":0.9760742,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.1608029007911682},{"word":"to","start":728.53503,"end":728.695,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24874547123908997},{"word":"do","start":728.695,"end":728.935,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.19791406393051147},{"word":"so","start":728.935,"end":729.17505,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2054375857114792},{"word":"as","start":729.17505,"end":729.335,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2372853457927704},{"word":"well","start":729.335,"end":729.73505,"confidence":0.9802246,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1967746764421463},{"word":"so","start":729.73505,"end":730.23,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.21580657362937927},{"word":"it","start":730.31,"end":730.55,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.20611295104026792},{"word":"just","start":730.55,"end":730.70996,"confidence":0.6352539,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.3006143569946289},{"word":"it","start":730.79,"end":731.02997,"confidence":0.98828125,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4386177361011505},{"word":"works","start":731.02997,"end":731.26996,"confidence":0.9160156,"punctuated_word":"works","sentiment":"positive","sentiment_score":0.528484582901001},{"word":"out","start":731.26996,"end":731.51,"confidence":0.82128906,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.5928699970245361},{"word":"to","start":731.51,"end":731.67,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4962628185749054},{"word":"benefit","start":731.67,"end":732.07,"confidence":1.0,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.5611181259155273},{"word":"you","start":732.07,"end":732.38995,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5350016951560974},{"word":"much","start":732.38995,"end":732.70996,"confidence":0.9941406,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.524936318397522},{"word":"greater","start":732.70996,"end":733.02997,"confidence":0.90722656,"punctuated_word":"greater","sentiment":"positive","sentiment_score":0.5532833337783813},{"word":"in","start":733.02997,"end":733.19,"confidence":0.99609375,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5352856516838074},{"word":"the","start":733.19,"end":733.35,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4980860650539398},{"word":"long","start":733.35,"end":733.67,"confidence":1.0,"punctuated_word":"long","sentiment":"positive","sentiment_score":0.5724321603775024},{"word":"run","start":733.67,"end":734.17,"confidence":1.0,"punctuated_word":"run.","sentiment":"positive","sentiment_score":0.33365997672080994},{"word":"yeah","start":734.23,"end":734.73,"confidence":0.9875488,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2033126950263977},{"word":"excellent","start":735.67,"end":736.17,"confidence":0.99902344,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.4992561936378479},{"word":"that's","start":738.70996,"end":739.02997,"confidence":0.9658203,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.060752421617507935},{"word":"okay","start":739.02997,"end":739.52997,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.14247214794158936},{"word":"yeah","start":741.99,"end":742.245,"confidence":0.84521484,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03789480775594711},{"word":"yeah","start":742.245,"end":742.745,"confidence":0.95458984,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06220125779509544},{"word":"yeah","start":745.445,"end":745.605,"confidence":0.74194336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03671939671039581},{"word":"absolutely","start":745.605,"end":746.105,"confidence":0.9663086,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.05527900159358978},{"word":"no","start":746.725,"end":746.96497,"confidence":0.9980469,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.02545801177620888},{"word":"that's","start":746.96497,"end":747.365,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.0027065440081059933},{"word":"not","start":747.365,"end":747.525,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.16352906823158264},{"word":"a","start":747.525,"end":747.685,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09279657155275343},{"word":"problem","start":747.685,"end":748.005,"confidence":1.0,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.08883242309093475},{"word":"at","start":748.005,"end":748.245,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1231807991862297},{"word":"all","start":748.245,"end":748.745,"confidence":1.0,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.19171489775180817},{"word":"underneath","start":749.125,"end":749.625,"confidence":0.85302734,"punctuated_word":"Underneath","sentiment":"neutral","sentiment_score":0.12243369966745377},{"word":"that","start":749.765,"end":749.925,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14426958560943604},{"word":"section","start":749.925,"end":750.325,"confidence":0.99658203,"punctuated_word":"section,","sentiment":"neutral","sentiment_score":0.11994534730911256},{"word":"i'll","start":750.325,"end":750.485,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1534661054611206},{"word":"let","start":750.485,"end":750.645,"confidence":0.99902344,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.16074329614639282},{"word":"you","start":750.645,"end":750.885,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1336171329021454},{"word":"have","start":750.885,"end":751.045,"confidence":0.89746094,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12989851832389832},{"word":"a","start":751.045,"end":751.125,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15133008360862732},{"word":"bit","start":751.125,"end":751.285,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.13015247881412506},{"word":"of","start":751.285,"end":751.365,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12437205016613008},{"word":"a","start":751.365,"end":751.445,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12090468406677246},{"word":"read","start":751.445,"end":751.685,"confidence":0.3540039,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.08039779961109161},{"word":"through","start":751.685,"end":751.845,"confidence":0.6723633,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.07007154077291489},{"word":"it","start":751.845,"end":751.925,"confidence":0.8720703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09306367486715315},{"word":"after","start":751.925,"end":752.165,"confidence":0.55200195,"punctuated_word":"after.","sentiment":"neutral","sentiment_score":0.09172964096069336},{"word":"but","start":752.165,"end":752.325,"confidence":0.55566406,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.14394710958003998},{"word":"we","start":752.325,"end":752.40497,"confidence":0.99121094,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12293899059295654},{"word":"have","start":752.40497,"end":752.645,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.155783548951149},{"word":"the","start":752.645,"end":752.725,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13884618878364563},{"word":"best","start":752.725,"end":752.96497,"confidence":0.99902344,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.09672801196575163},{"word":"interest","start":752.96497,"end":753.365,"confidence":0.9970703,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.09308610111474992},{"word":"duty","start":753.365,"end":753.685,"confidence":0.7651367,"punctuated_word":"duty,","sentiment":"neutral","sentiment_score":0.18699970841407776},{"word":"which","start":753.685,"end":753.925,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.1467866599559784},{"word":"essentially","start":753.925,"end":754.40497,"confidence":0.9941406,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.13963085412979126},{"word":"relates","start":754.40497,"end":754.805,"confidence":0.99609375,"punctuated_word":"relates","sentiment":"neutral","sentiment_score":0.17895019054412842},{"word":"the","start":754.805,"end":754.96497,"confidence":0.9580078,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.227134108543396},{"word":"recommendations","start":754.96497,"end":755.46497,"confidence":0.9902344,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":0.18675941228866577},{"word":"back","start":755.765,"end":756.005,"confidence":0.96875,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.20465709269046783},{"word":"to","start":756.005,"end":756.085,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2875872254371643},{"word":"your","start":756.085,"end":756.325,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2848694622516632},{"word":"goals","start":756.325,"end":756.645,"confidence":0.99902344,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.24674607813358307},{"word":"and","start":756.645,"end":756.805,"confidence":0.95703125,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3599662184715271},{"word":"why","start":756.805,"end":757.045,"confidence":0.9951172,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.17515622079372406},{"word":"they","start":757.045,"end":757.205,"confidence":0.99316406,"punctuated_word":"they","sentiment":"positive","sentiment_score":0.3554045557975769},{"word":"are","start":757.205,"end":757.365,"confidence":0.9892578,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2773105800151825},{"word":"in","start":757.365,"end":757.525,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.27925288677215576},{"word":"your","start":757.525,"end":757.765,"confidence":0.99316406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.3208062946796417},{"word":"best","start":757.765,"end":758.22,"confidence":0.9770508,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.20098154246807096},{"word":"interest","start":758.69995,"end":759.01996,"confidence":0.953125,"punctuated_word":"interest.","sentiment":"neutral","sentiment_score":0.21526458859443665},{"word":"i'm","start":759.01996,"end":759.18,"confidence":0.7832031,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.21521304547786713},{"word":"also","start":759.18,"end":759.42,"confidence":0.96777344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1477770209312439},{"word":"recommending","start":759.42,"end":759.89996,"confidence":0.9892578,"punctuated_word":"recommending","sentiment":"neutral","sentiment_score":0.2274487018585205},{"word":"that","start":759.89996,"end":760.06,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16774600744247437},{"word":"we","start":760.06,"end":760.22,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.23332847654819489},{"word":"increase","start":760.22,"end":760.54,"confidence":0.99902344,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.10590361803770064},{"word":"your","start":760.54,"end":760.77997,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09392036497592926},{"word":"risk","start":760.77997,"end":760.93994,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.08497531712055206},{"word":"in","start":760.93994,"end":761.1,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05365194380283356},{"word":"the","start":761.1,"end":761.33997,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10137877613306046},{"word":"portfolio","start":761.33997,"end":761.83997,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.022630199790000916},{"word":"and","start":761.89996,"end":762.06,"confidence":0.9760742,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.020720168948173523},{"word":"move","start":762.06,"end":762.22,"confidence":0.9614258,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.059559985995292664},{"word":"into","start":762.22,"end":762.45996,"confidence":0.99316406,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.11229566484689713},{"word":"more","start":762.45996,"end":762.62,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.064486563205719},{"word":"of","start":762.62,"end":762.77997,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2275906801223755},{"word":"a","start":762.77997,"end":762.86,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21413052082061768},{"word":"high","start":762.86,"end":763.1,"confidence":0.9941406,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.14048144221305847},{"word":"growth","start":763.1,"end":763.42,"confidence":0.99902344,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.19886085391044617},{"word":"environment","start":763.42,"end":763.92,"confidence":0.99902344,"punctuated_word":"environment","sentiment":"neutral","sentiment_score":0.2126145362854004},{"word":"as","start":763.98,"end":764.22,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.19486691057682037},{"word":"well","start":764.22,"end":764.69995,"confidence":0.9980469,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1948091983795166},{"word":"we'll","start":764.69995,"end":764.93994,"confidence":1.0,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.19792723655700684},{"word":"make","start":764.93994,"end":765.1,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.16158032417297363},{"word":"sure","start":765.1,"end":765.25995,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.16060125827789307},{"word":"we","start":765.25995,"end":765.57996,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.22922512888908383},{"word":"monitor","start":765.57996,"end":765.89996,"confidence":0.99902344,"punctuated_word":"monitor","sentiment":"neutral","sentiment_score":0.15388301014900208},{"word":"that","start":765.89996,"end":766.13995,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15848523378372192},{"word":"moving","start":766.13995,"end":766.37994,"confidence":1.0,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.2059844732284546},{"word":"forward","start":766.37994,"end":766.69995,"confidence":0.8532715,"punctuated_word":"forward.","sentiment":"neutral","sentiment_score":0.18478399515151975},{"word":"so","start":766.69995,"end":766.86,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1568111777305603},{"word":"when","start":766.86,"end":767.1,"confidence":0.9980469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.14971226453781128},{"word":"and","start":767.1,"end":767.25995,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18007934093475342},{"word":"if","start":767.25995,"end":767.42,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.17972677946090698},{"word":"you","start":767.42,"end":767.57996,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19933658838272095},{"word":"decide","start":767.57996,"end":767.89996,"confidence":1.0,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.11441370844841003},{"word":"you'll","start":767.89996,"end":768.22,"confidence":0.76782227,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.1241978108882904},{"word":"no","start":768.22,"end":768.37994,"confidence":0.99902344,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.002163618803024292},{"word":"longer","start":768.37994,"end":768.87994,"confidence":1.0,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":0.02304311096668243},{"word":"feel","start":769.33997,"end":769.66,"confidence":0.86035156,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.006652966141700745},{"word":"that","start":769.66,"end":769.81995,"confidence":0.5620117,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06515666842460632},{"word":"that's","start":769.81995,"end":770.13995,"confidence":0.93188477,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.0892806351184845},{"word":"appropriate","start":770.13995,"end":770.62,"confidence":0.99902344,"punctuated_word":"appropriate","sentiment":"neutral","sentiment_score":-0.0024171173572540283},{"word":"or","start":770.62,"end":770.86,"confidence":0.9741211,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05564119666814804},{"word":"you're","start":770.86,"end":770.93994,"confidence":0.86279297,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.0909632295370102},{"word":"a","start":770.93994,"end":771.1,"confidence":0.9838867,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0631934255361557},{"word":"bit","start":771.1,"end":771.18,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.029072366654872894},{"word":"concerned","start":771.18,"end":771.66,"confidence":0.99902344,"punctuated_word":"concerned","sentiment":"neutral","sentiment_score":-0.03747975081205368},{"word":"about","start":771.66,"end":771.89996,"confidence":0.9902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.04191174358129501},{"word":"the","start":771.89996,"end":772.065,"confidence":0.8535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07635395228862762},{"word":"risk","start":772.145,"end":772.305,"confidence":1.0,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.05760741978883743},{"word":"level","start":772.305,"end":772.785,"confidence":0.9926758,"punctuated_word":"level,","sentiment":"neutral","sentiment_score":0.05601346492767334},{"word":"just","start":772.785,"end":773.025,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11872731894254684},{"word":"let","start":773.025,"end":773.185,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.13764363527297974},{"word":"us","start":773.185,"end":773.34503,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.1475936770439148},{"word":"know","start":773.34503,"end":773.505,"confidence":0.8713379,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.1683470606803894},{"word":"and","start":773.505,"end":773.665,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20052248239517212},{"word":"we","start":773.665,"end":773.745,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.23477649688720703},{"word":"can","start":773.745,"end":773.985,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2059391438961029},{"word":"always","start":773.985,"end":774.225,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.23167338967323303},{"word":"reduce","start":774.225,"end":774.625,"confidence":0.9970703,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.04627104848623276},{"word":"that","start":774.625,"end":774.865,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0784527063369751},{"word":"back","start":774.865,"end":775.105,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.07430309057235718},{"word":"if","start":775.105,"end":775.185,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.17826750874519348},{"word":"we","start":775.185,"end":775.34503,"confidence":0.9951172,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13031697273254397},{"word":"if","start":775.505,"end":775.665,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1071782037615776},{"word":"you","start":775.665,"end":775.825,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09368550032377244},{"word":"need","start":775.825,"end":776.065,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.0634826272726059},{"word":"to","start":776.065,"end":776.565,"confidence":0.9995117,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":0.03618095815181732},{"word":"okay","start":776.625,"end":777.125,"confidence":0.8864746,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.0997111350297928},{"word":"excellent","start":779.025,"end":779.525,"confidence":0.99609375,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.5177419781684875},{"word":"yeah","start":781.825,"end":782.325,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.3066156208515167},{"word":"all","start":782.625,"end":782.865,"confidence":0.9770508,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.5475963354110718},{"word":"good","start":782.865,"end":783.185,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.46883058547973633},{"word":"i've","start":783.185,"end":783.425,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.12594622373580933},{"word":"also","start":783.425,"end":783.745,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.12992534041404724},{"word":"got","start":783.745,"end":783.985,"confidence":0.9951172,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.11396251618862152},{"word":"underneath","start":783.985,"end":784.465,"confidence":0.984375,"punctuated_word":"underneath","sentiment":"neutral","sentiment_score":0.06872458755970001},{"word":"that","start":784.465,"end":784.625,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03666368126869202},{"word":"the","start":784.625,"end":784.865,"confidence":0.9277344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.044415540993213654},{"word":"advantages","start":784.865,"end":785.365,"confidence":0.9855957,"punctuated_word":"advantages,","sentiment":"neutral","sentiment_score":0.0007013007998466492},{"word":"disadvantages","start":785.585,"end":786.085,"confidence":0.9243164,"punctuated_word":"disadvantages,","sentiment":"neutral","sentiment_score":-0.07569289207458496},{"word":"the","start":786.385,"end":786.465,"confidence":0.9707031,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.015755578875541687},{"word":"risks","start":786.465,"end":786.865,"confidence":0.9921875,"punctuated_word":"risks","sentiment":"neutral","sentiment_score":-0.07955807447433472},{"word":"involved","start":786.865,"end":787.265,"confidence":0.83447266,"punctuated_word":"involved,","sentiment":"neutral","sentiment_score":0.014243047684431076},{"word":"and","start":787.265,"end":787.425,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09120120108127594},{"word":"any","start":787.425,"end":787.83,"confidence":0.9941406,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.10845758020877838},{"word":"additional","start":787.99,"end":788.47003,"confidence":0.86621094,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":-0.001535475254058838},{"word":"considerations","start":788.47003,"end":788.97003,"confidence":0.9980469,"punctuated_word":"considerations","sentiment":"neutral","sentiment_score":0.0007925145328044891},{"word":"that","start":789.03,"end":789.27,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1224820390343666},{"word":"we","start":789.27,"end":789.35004,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16847652196884155},{"word":"have","start":789.35004,"end":789.67004,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.18408414721488953},{"word":"made","start":789.67004,"end":789.83,"confidence":1.0,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.24746209383010864},{"word":"for","start":789.83,"end":790.07,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.21655726432800293},{"word":"you","start":790.07,"end":790.31,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2575668692588806},{"word":"as","start":790.31,"end":790.47003,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1814286857843399},{"word":"well","start":790.47003,"end":790.97003,"confidence":0.91430664,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.13754725456237793},{"word":"so","start":791.03,"end":791.51,"confidence":0.9902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07522803544998169},{"word":"any","start":791.51,"end":791.83,"confidence":0.9921875,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.06637539714574814},{"word":"alternatives","start":791.83,"end":792.33,"confidence":0.9248047,"punctuated_word":"alternatives","sentiment":"neutral","sentiment_score":-0.05023617297410965},{"word":"that","start":792.47003,"end":792.63,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.057689376175403595},{"word":"we've","start":792.63,"end":792.79004,"confidence":0.7915039,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.0837714821100235},{"word":"considered","start":792.79004,"end":793.29004,"confidence":0.7595215,"punctuated_word":"considered,","sentiment":"neutral","sentiment_score":0.05084311589598656},{"word":"essentially","start":793.35004,"end":793.85004,"confidence":0.9741211,"punctuated_word":"essentially.","sentiment":"neutral","sentiment_score":0.11461245268583298},{"word":"okay","start":794.23004,"end":794.73004,"confidence":0.7871094,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.16103620827198029},{"word":"excellent","start":796.55,"end":797.05,"confidence":0.99902344,"punctuated_word":"Excellent.","sentiment":"neutral","sentiment_score":-0.003694426268339157},{"word":"when","start":797.35004,"end":797.59,"confidence":0.9970703,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.2583034634590149},{"word":"you","start":797.59,"end":797.91003,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2477238029241562},{"word":"have","start":797.91003,"end":798.23004,"confidence":0.5341797,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2550021708011627},{"word":"a","start":798.23004,"end":798.39,"confidence":0.34326172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23386338353157043},{"word":"rate","start":798.39,"end":798.63,"confidence":0.20776367,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.2739589214324951},{"word":"through","start":798.63,"end":798.79004,"confidence":0.87597656,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.23212285339832303},{"word":"that","start":798.79004,"end":798.95,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2625463604927063},{"word":"and","start":798.95,"end":799.11005,"confidence":0.9482422,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1713481247425079},{"word":"you're","start":799.11005,"end":799.27,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.256559818983078},{"word":"comfortable","start":799.27,"end":799.67004,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.19375582039356232},{"word":"to","start":799.67004,"end":799.83,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2337292730808258},{"word":"move","start":799.83,"end":799.99,"confidence":1.0,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.30017828941345215},{"word":"on","start":799.99,"end":800.23004,"confidence":0.99316406,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":0.2573632597923279},{"word":"if","start":800.23004,"end":800.31,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.30412834882736206},{"word":"i","start":800.31,"end":800.39,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.26904958486557007},{"word":"can","start":800.39,"end":800.55,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2278442084789276},{"word":"get","start":800.55,"end":800.71,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.3097414970397949},{"word":"you","start":800.71,"end":800.87,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3404141068458557},{"word":"to","start":800.87,"end":801.03,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2627187669277191},{"word":"move","start":801.03,"end":801.27,"confidence":1.0,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.2557733356952667},{"word":"down","start":801.27,"end":801.43,"confidence":0.9941406,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.2581057548522949},{"word":"to","start":801.43,"end":801.59,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22913262248039248},{"word":"page","start":801.59,"end":801.91003,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.21858015656471252},{"word":"number","start":801.91003,"end":802.335,"confidence":0.99902344,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.2419105768203735},{"word":"19","start":802.41504,"end":802.815,"confidence":0.99902344,"punctuated_word":"19","sentiment":"neutral","sentiment_score":0.3223431408405304},{"word":"for","start":802.815,"end":802.97504,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2453320324420929},{"word":"me","start":802.97504,"end":803.215,"confidence":0.87475586,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.25299006700515747},{"word":"i'm","start":803.215,"end":803.455,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.4938325881958008},{"word":"also","start":803.455,"end":803.775,"confidence":1.0,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.39921075105667114},{"word":"recommending","start":803.775,"end":804.275,"confidence":0.99902344,"punctuated_word":"recommending","sentiment":"positive","sentiment_score":0.4292971193790436},{"word":"we","start":804.335,"end":804.495,"confidence":0.98291016,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4204303920269013},{"word":"do","start":804.495,"end":804.655,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.4964653551578522},{"word":"make","start":804.655,"end":804.895,"confidence":1.0,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.4287019670009613},{"word":"a","start":804.895,"end":804.97504,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4769509434700012},{"word":"bit","start":804.97504,"end":805.135,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.45302775502204895},{"word":"of","start":805.135,"end":805.53503,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.48350533843040466},{"word":"an","start":805.53503,"end":805.695,"confidence":0.56933594,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.37236642837524414},{"word":"additional","start":805.695,"end":806.17505,"confidence":0.8911133,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.30255383253097534},{"word":"change","start":806.17505,"end":806.575,"confidence":0.99902344,"punctuated_word":"change","sentiment":"positive","sentiment_score":0.4195914268493652},{"word":"to","start":806.575,"end":807.075,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3316137492656708},{"word":"the","start":807.135,"end":807.375,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.30296215415000916},{"word":"investments","start":807.375,"end":807.85504,"confidence":0.9873047,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.14893563091754913},{"word":"within","start":807.85504,"end":808.17505,"confidence":1.0,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.29481834173202515},{"word":"your","start":808.17505,"end":808.495,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3706282377243042},{"word":"super","start":808.495,"end":808.995,"confidence":0.9616699,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.25327301025390625},{"word":"so","start":821.59,"end":821.83,"confidence":0.75146484,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.021462496370077133},{"word":"sorry","start":821.83,"end":822.33,"confidence":0.99658203,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":0.005865691229701042},{"word":"just","start":824.55,"end":824.87,"confidence":0.98828125,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.006563868373632431},{"word":"let","start":824.87,"end":825.02997,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.002828724682331085},{"word":"me","start":825.02997,"end":825.19,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.00685562752187252},{"word":"know","start":825.19,"end":825.43,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.016495373100042343},{"word":"when","start":825.43,"end":825.59,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.009323734790086746},{"word":"you're","start":825.59,"end":825.83,"confidence":0.7861328,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.014683440327644348},{"word":"when","start":825.83,"end":826.07,"confidence":0.984375,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.004701647907495499},{"word":"you're","start":826.07,"end":826.23,"confidence":0.9980469,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1931307017803192},{"word":"good","start":826.23,"end":826.47,"confidence":0.99902344,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.2698012888431549},{"word":"in","start":826.47,"end":826.55,"confidence":0.5986328,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3027021288871765},{"word":"your","start":826.55,"end":826.95,"confidence":0.9921875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2669728100299835},{"word":"move","start":826.95,"end":827.27,"confidence":0.4885254,"punctuated_word":"move","sentiment":"neutral","sentiment_score":0.1721997857093811},{"word":"down","start":827.27,"end":827.77,"confidence":0.9831543,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":0.10810743272304536},{"word":"yeah","start":834.585,"end":834.905,"confidence":0.8979492,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02978728711605072},{"word":"very","start":834.905,"end":835.385,"confidence":0.96533203,"punctuated_word":"Very","sentiment":"neutral","sentiment_score":0.06476052105426788},{"word":"similar","start":835.385,"end":835.865,"confidence":1.0,"punctuated_word":"similar","sentiment":"neutral","sentiment_score":0.05937575176358223},{"word":"to","start":835.865,"end":836.025,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02398909255862236},{"word":"hab","start":836.025,"end":836.34503,"confidence":0.6224365,"punctuated_word":"HAB","sentiment":"neutral","sentiment_score":0.0681157261133194},{"word":"24","start":836.34503,"end":836.985,"confidence":0.94299316,"punctuated_word":"24.","sentiment":"neutral","sentiment_score":0.05473346635699272},{"word":"it's","start":836.985,"end":837.465,"confidence":0.9926758,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.0264727920293808},{"word":"an","start":837.465,"end":837.705,"confidence":0.7421875,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.04843716323375702},{"word":"adviser","start":837.705,"end":838.205,"confidence":0.7495117,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":0.0956668257713318},{"word":"platform","start":838.34503,"end":838.84503,"confidence":0.982666,"punctuated_word":"platform,","sentiment":"neutral","sentiment_score":0.07934430241584778},{"word":"and","start":838.985,"end":839.22504,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07724106311798096},{"word":"it","start":839.22504,"end":839.385,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07460743188858032},{"word":"has","start":839.385,"end":839.705,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.07153372466564178},{"word":"access","start":839.705,"end":839.945,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.14439041912555697},{"word":"to","start":839.945,"end":840.105,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12869144976139069},{"word":"lots","start":840.105,"end":840.34503,"confidence":0.9980469,"punctuated_word":"lots","sentiment":"neutral","sentiment_score":0.13661594688892365},{"word":"of","start":840.34503,"end":840.505,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10552236437797546},{"word":"different","start":840.505,"end":840.825,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.0778738260269165},{"word":"investment","start":840.825,"end":841.305,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.04441893473267555},{"word":"options","start":841.305,"end":841.78503,"confidence":1.0,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.06528094410896301},{"word":"there","start":841.78503,"end":842.28503,"confidence":0.9995117,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.0519244521856308},{"word":"i","start":842.745,"end":842.825,"confidence":0.7758789,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03521417826414108},{"word":"did","start":842.825,"end":843.065,"confidence":0.9951172,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.005786493420600891},{"word":"consider","start":843.065,"end":843.545,"confidence":1.0,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":0.00061025470495224},{"word":"and","start":843.545,"end":843.78503,"confidence":0.9819336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.01877807080745697},{"word":"look","start":843.78503,"end":843.945,"confidence":0.78271484,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.05835235118865967},{"word":"at","start":843.945,"end":844.105,"confidence":0.9892578,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06512855738401413},{"word":"the","start":844.105,"end":844.185,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06557992845773697},{"word":"option","start":844.185,"end":844.505,"confidence":1.0,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.02680281549692154},{"word":"of","start":844.505,"end":844.665,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0011731982231140137},{"word":"moving","start":844.665,"end":844.905,"confidence":1.0,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.013461872935295103},{"word":"to","start":844.905,"end":845.065,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01946855336427689},{"word":"another","start":845.065,"end":845.465,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.010882694274187088},{"word":"platform","start":845.465,"end":845.945,"confidence":1.0,"punctuated_word":"platform","sentiment":"neutral","sentiment_score":0.009624112397432327},{"word":"like","start":845.945,"end":846.185,"confidence":0.94921875,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.0167594775557518},{"word":"my","start":846.185,"end":846.425,"confidence":0.40527344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.030660804361104965},{"word":"north","start":846.425,"end":846.925,"confidence":0.5812988,"punctuated_word":"North,","sentiment":"neutral","sentiment_score":0.01402420923113823},{"word":"but","start":847.62,"end":847.78,"confidence":0.921875,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.22534222900867465},{"word":"unfortunately","start":847.78,"end":848.28,"confidence":1.0,"punctuated_word":"unfortunately,","sentiment":"negative","sentiment_score":-0.4676029086112976},{"word":"it","start":848.34,"end":848.58,"confidence":0.9970703,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.5344549417495728},{"word":"came","start":848.58,"end":848.9,"confidence":0.90283203,"punctuated_word":"came","sentiment":"negative","sentiment_score":-0.4605652689933777},{"word":"out","start":848.9,"end":849.06,"confidence":0.9892578,"punctuated_word":"out","sentiment":"negative","sentiment_score":-0.5266169309616089},{"word":"to","start":849.06,"end":849.14,"confidence":0.9980469,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.5564805269241333},{"word":"be","start":849.14,"end":849.38,"confidence":1.0,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.6094678640365601},{"word":"too","start":849.38,"end":849.54004,"confidence":0.9902344,"punctuated_word":"too","sentiment":"negative","sentiment_score":-0.6898902654647827},{"word":"cost","start":849.54004,"end":849.86,"confidence":0.98828125,"punctuated_word":"cost","sentiment":"negative","sentiment_score":-0.5536225438117981},{"word":"too","start":850.18,"end":850.42004,"confidence":0.98535156,"punctuated_word":"too","sentiment":"negative","sentiment_score":-0.6723929643630981},{"word":"expensive","start":850.42004,"end":850.92004,"confidence":1.0,"punctuated_word":"expensive","sentiment":"negative","sentiment_score":-0.5008695125579834},{"word":"to","start":850.98004,"end":851.06,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.5481361746788025},{"word":"do","start":851.06,"end":851.38,"confidence":0.78881836,"punctuated_word":"do.","sentiment":"negative","sentiment_score":-0.6024885177612305},{"word":"so","start":851.38,"end":851.7,"confidence":0.93847656,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.16624179482460022},{"word":"so","start":851.7,"end":851.86,"confidence":0.8359375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.163431778550148},{"word":"while","start":851.86,"end":852.18,"confidence":0.9970703,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.1260160505771637},{"word":"they're","start":852.18,"end":852.68,"confidence":0.65063477,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.12215852737426758},{"word":"more","start":852.74,"end":852.98004,"confidence":0.24829102,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.17055922746658325},{"word":"cheaper","start":852.98004,"end":853.48004,"confidence":0.14892578,"punctuated_word":"cheaper","sentiment":"neutral","sentiment_score":-0.15236851572990415},{"word":"funds","start":854.34,"end":854.84,"confidence":0.7480469,"punctuated_word":"funds,","sentiment":"neutral","sentiment_score":-0.1715254187583923},{"word":"the","start":855.06,"end":855.22003,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.30333828926086426},{"word":"cgt","start":855.22003,"end":855.72003,"confidence":0.8269043,"punctuated_word":"CGT","sentiment":"neutral","sentiment_score":-0.2880402207374573},{"word":"would","start":855.94,"end":856.10004,"confidence":0.6484375,"punctuated_word":"would","sentiment":"negative","sentiment_score":-0.34267616271972656},{"word":"have","start":856.10004,"end":856.26,"confidence":0.84765625,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.35743486881256104},{"word":"cost","start":856.26,"end":856.76,"confidence":0.98095703,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.238778755068779},{"word":"had","start":856.9,"end":857.06,"confidence":0.9741211,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.3156457841396332},{"word":"24","start":857.06,"end":857.7,"confidence":0.9890137,"punctuated_word":"24","sentiment":"neutral","sentiment_score":-0.2924760580062866},{"word":"with","start":857.7,"end":857.86,"confidence":0.44213867,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.3046906292438507},{"word":"your","start":857.86,"end":858.10004,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.27572017908096313},{"word":"super","start":858.10004,"end":858.42004,"confidence":0.88671875,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.14776059985160828},{"word":"fund","start":858.42004,"end":858.66003,"confidence":0.94921875,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.21525971591472623},{"word":"about","start":858.66003,"end":859.06,"confidence":0.95410156,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.2984999120235443},{"word":"over","start":859.06,"end":859.3,"confidence":0.9140625,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.2593297064304352},{"word":"$5,000","start":859.3,"end":860.26,"confidence":1.0,"punctuated_word":"$5,000","sentiment":"neutral","sentiment_score":-0.1951892077922821},{"word":"to","start":860.26,"end":860.535,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.31115421652793884},{"word":"sell","start":860.535,"end":860.77496,"confidence":0.8647461,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.23673288524150848},{"word":"down","start":860.77496,"end":861.01495,"confidence":0.9980469,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.20803382992744449},{"word":"wholly","start":861.01495,"end":861.51495,"confidence":0.97314453,"punctuated_word":"wholly","sentiment":"neutral","sentiment_score":-0.22691580653190613},{"word":"and","start":861.815,"end":862.055,"confidence":0.97314453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2253032624721527},{"word":"move","start":862.055,"end":862.21497,"confidence":0.9838867,"punctuated_word":"move","sentiment":"neutral","sentiment_score":-0.2161843627691269},{"word":"into","start":862.21497,"end":862.535,"confidence":0.984375,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.17317283153533936},{"word":"my","start":862.535,"end":862.77496,"confidence":0.68652344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.18173140287399292},{"word":"north","start":862.77496,"end":863.095,"confidence":0.83691406,"punctuated_word":"north.","sentiment":"neutral","sentiment_score":-0.12917110323905945},{"word":"and","start":863.095,"end":863.25494,"confidence":0.9951172,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.20046623051166537},{"word":"when","start":863.25494,"end":863.495,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.2490604668855667},{"word":"you","start":863.495,"end":863.57495,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.24414050579071045},{"word":"consider","start":863.57495,"end":864.055,"confidence":0.99609375,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":-0.24205873906612396},{"word":"the","start":864.055,"end":864.295,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.3250039219856262},{"word":"contributions","start":864.295,"end":864.795,"confidence":0.9980469,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":-0.32111483812332153},{"word":"going","start":865.095,"end":865.33496,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.2923508286476135},{"word":"in","start":865.33496,"end":865.83496,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2941930294036865},{"word":"and","start":866.055,"end":866.21497,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.252006471157074},{"word":"the","start":866.21497,"end":866.615,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.31954577565193176},{"word":"fees","start":866.615,"end":867.115,"confidence":0.88134766,"punctuated_word":"fees,","sentiment":"neutral","sentiment_score":-0.26294100284576416},{"word":"by","start":867.975,"end":868.475,"confidence":0.80810547,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.2414316087961197},{"word":"having","start":868.69495,"end":869.01495,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.2470383942127228},{"word":"to","start":869.01495,"end":869.175,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.5694156885147095},{"word":"pay","start":869.175,"end":869.415,"confidence":1.0,"punctuated_word":"pay","sentiment":"negative","sentiment_score":-0.6393989324569702},{"word":"that","start":869.415,"end":869.735,"confidence":0.9980469,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.6546980142593384},{"word":"cgt","start":869.735,"end":870.235,"confidence":0.7888997,"punctuated_word":"CGT,","sentiment":"negative","sentiment_score":-0.7176504135131836},{"word":"it's","start":870.375,"end":870.69495,"confidence":1.0,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.8020619750022888},{"word":"not","start":870.69495,"end":870.935,"confidence":0.99902344,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.8389007449150085},{"word":"worth","start":870.935,"end":871.175,"confidence":0.98095703,"punctuated_word":"worth","sentiment":"negative","sentiment_score":-0.758204996585846},{"word":"it","start":871.175,"end":871.33496,"confidence":0.8730469,"punctuated_word":"it.","sentiment":"negative","sentiment_score":-0.7320020794868469},{"word":"you","start":871.33496,"end":871.495,"confidence":1.0,"punctuated_word":"You","sentiment":"negative","sentiment_score":-0.7352404594421387},{"word":"don't","start":871.495,"end":871.815,"confidence":1.0,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.7740866541862488},{"word":"make","start":871.815,"end":871.975,"confidence":1.0,"punctuated_word":"make","sentiment":"negative","sentiment_score":-0.7549521327018738},{"word":"that","start":871.975,"end":872.21497,"confidence":0.99902344,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.7860599756240845},{"word":"money","start":872.21497,"end":872.535,"confidence":1.0,"punctuated_word":"money","sentiment":"negative","sentiment_score":-0.6669977903366089},{"word":"back","start":872.535,"end":872.77496,"confidence":1.0,"punctuated_word":"back","sentiment":"negative","sentiment_score":-0.7968969941139221},{"word":"fast","start":872.77496,"end":873.01495,"confidence":0.99609375,"punctuated_word":"fast","sentiment":"negative","sentiment_score":-0.6849426627159119},{"word":"enough","start":873.01495,"end":873.33496,"confidence":1.0,"punctuated_word":"enough","sentiment":"negative","sentiment_score":-0.7669580578804016},{"word":"towards","start":873.33496,"end":873.735,"confidence":0.9980469,"punctuated_word":"towards","sentiment":"negative","sentiment_score":-0.6738019585609436},{"word":"your","start":873.735,"end":873.975,"confidence":0.9863281,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.6721004843711853},{"word":"retirement","start":873.975,"end":874.475,"confidence":0.9951172,"punctuated_word":"retirement","sentiment":"negative","sentiment_score":-0.5661275386810303},{"word":"even","start":874.535,"end":874.77496,"confidence":0.9482422,"punctuated_word":"even","sentiment":"negative","sentiment_score":-0.5865459442138672},{"word":"in","start":874.77496,"end":874.935,"confidence":1.0,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.6041072010993958},{"word":"the","start":874.935,"end":875.095,"confidence":0.94189453,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.5523106455802917},{"word":"high","start":875.095,"end":875.25494,"confidence":0.9951172,"punctuated_word":"high","sentiment":"negative","sentiment_score":-0.42913514375686646},{"word":"growth","start":875.25494,"end":875.65497,"confidence":0.9941406,"punctuated_word":"growth","sentiment":"negative","sentiment_score":-0.5145334601402283},{"word":"portfolios","start":875.65497,"end":876.15497,"confidence":0.7644043,"punctuated_word":"portfolios.","sentiment":"negative","sentiment_score":-0.48763307929039},{"word":"so","start":876.99,"end":877.07,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.15984822809696198},{"word":"i","start":877.07,"end":877.39,"confidence":0.7285156,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.19587357342243197},{"word":"weighed","start":877.39,"end":877.55,"confidence":0.97265625,"punctuated_word":"weighed","sentiment":"neutral","sentiment_score":-0.10605478286743164},{"word":"up","start":877.55,"end":877.71,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.1124649941921234},{"word":"the","start":877.71,"end":877.79004,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12430255115032196},{"word":"options","start":877.79004,"end":878.19,"confidence":0.99902344,"punctuated_word":"options","sentiment":"neutral","sentiment_score":-0.08858614414930344},{"word":"and","start":878.19,"end":878.27,"confidence":0.96435547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.005239278078079224},{"word":"did","start":878.27,"end":878.51,"confidence":0.9951172,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.007055178284645081},{"word":"all","start":878.51,"end":878.67,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.02039484679698944},{"word":"the","start":878.67,"end":878.75,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.001795455813407898},{"word":"math","start":878.75,"end":878.99,"confidence":0.99609375,"punctuated_word":"math","sentiment":"neutral","sentiment_score":0.021688655018806458},{"word":"and","start":878.99,"end":879.15,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01756325364112854},{"word":"looked","start":879.15,"end":879.31,"confidence":0.99902344,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":-0.04986131191253662},{"word":"at","start":879.31,"end":879.47003,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.050384894013404846},{"word":"it","start":879.47003,"end":879.63,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07948914915323257},{"word":"and","start":879.63,"end":879.87,"confidence":0.9140625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.009465023875236511},{"word":"decided","start":879.87,"end":880.19,"confidence":0.9951172,"punctuated_word":"decided","sentiment":"neutral","sentiment_score":0.06103271245956421},{"word":"it","start":880.19,"end":880.35004,"confidence":0.9921875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.011392027139663696},{"word":"was","start":880.35004,"end":880.51,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.009091168642044067},{"word":"best","start":880.51,"end":880.67,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.006852567195892334},{"word":"for","start":880.67,"end":880.83,"confidence":0.98828125,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.020046576857566833},{"word":"you","start":880.83,"end":880.99,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.020765483379364017},{"word":"to","start":880.99,"end":881.15,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0683540403842926},{"word":"retain","start":881.15,"end":881.55,"confidence":0.9970703,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":-0.045218802988529205},{"word":"hub","start":881.55,"end":881.79004,"confidence":0.60839844,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.01135879009962082},{"word":"twenty","start":881.79004,"end":882.11,"confidence":0.9892578,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.03265755623579025},{"word":"four","start":882.11,"end":882.51,"confidence":0.99902344,"punctuated_word":"four.","sentiment":"neutral","sentiment_score":-0.019056152552366257},{"word":"yeah","start":882.51,"end":883.01,"confidence":0.9819336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04358315095305443},{"word":"yep","start":886.75,"end":887.25,"confidence":0.99194336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05539662763476372},{"word":"you'll","start":887.79004,"end":888.11,"confidence":0.99853516,"punctuated_word":"You'll","sentiment":"neutral","sentiment_score":0.02579811774194241},{"word":"see","start":888.11,"end":888.35004,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.016037922352552414},{"word":"all","start":888.35004,"end":888.51,"confidence":0.94628906,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.056310225278139114},{"word":"those","start":888.51,"end":888.67,"confidence":0.9614258,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.04321638122200966},{"word":"different","start":888.67,"end":889.07,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.04942816868424416},{"word":"investments","start":889.07,"end":889.57,"confidence":0.9980469,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.07794839143753052},{"word":"there","start":890.03,"end":890.27,"confidence":0.5332031,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.08389914035797119},{"word":"is","start":890.27,"end":890.77,"confidence":0.939209,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.06853277236223221},{"word":"there","start":892.215,"end":892.715,"confidence":0.5341797,"punctuated_word":"There","sentiment":"neutral","sentiment_score":-0.007108181715011597},{"word":"is","start":892.775,"end":893.275,"confidence":0.93359375,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.004107451066374779},{"word":"absolutely","start":893.335,"end":893.835,"confidence":0.99609375,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.07838903367519379},{"word":"so","start":894.215,"end":894.375,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.02531442791223526},{"word":"those","start":894.375,"end":894.695,"confidence":0.9970703,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.07631759345531464},{"word":"red","start":894.695,"end":894.935,"confidence":0.99609375,"punctuated_word":"red","sentiment":"neutral","sentiment_score":-0.04613891988992691},{"word":"numbers","start":894.935,"end":895.255,"confidence":0.99902344,"punctuated_word":"numbers","sentiment":"neutral","sentiment_score":-0.12559127807617188},{"word":"are","start":895.255,"end":895.415,"confidence":0.92578125,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.044506609439849854},{"word":"the","start":895.415,"end":895.495,"confidence":0.84765625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.059600844979286194},{"word":"numbers","start":895.495,"end":895.815,"confidence":0.9980469,"punctuated_word":"numbers","sentiment":"neutral","sentiment_score":-0.047377146780490875},{"word":"that","start":895.815,"end":895.975,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04385564476251602},{"word":"we're","start":895.975,"end":896.135,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.02318037860095501},{"word":"going","start":896.135,"end":896.375,"confidence":0.9980469,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.009611085057258606},{"word":"to","start":896.375,"end":896.455,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.004321172833442688},{"word":"sell","start":896.455,"end":896.775,"confidence":0.9970703,"punctuated_word":"sell.","sentiment":"neutral","sentiment_score":0.01472157984972},{"word":"so","start":896.775,"end":897.015,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0003422573208808899},{"word":"you'll","start":897.015,"end":897.175,"confidence":1.0,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.024179428815841675},{"word":"see","start":897.175,"end":897.335,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.028486572206020355},{"word":"on","start":897.335,"end":897.495,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.035027727484703064},{"word":"the","start":897.495,"end":897.575,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05418902635574341},{"word":"side","start":897.575,"end":897.815,"confidence":0.9526367,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.08700244873762131},{"word":"here","start":897.815,"end":898.135,"confidence":0.96362305,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.04956280440092087},{"word":"you've","start":898.135,"end":898.295,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.04082920029759407},{"word":"got","start":898.295,"end":898.53503,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.05852124094963074},{"word":"your","start":898.53503,"end":898.695,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13032516837120056},{"word":"seabus","start":898.695,"end":899.175,"confidence":0.65441895,"punctuated_word":"SeaBus","sentiment":"neutral","sentiment_score":0.1231597512960434},{"word":"super","start":899.175,"end":899.675,"confidence":0.7425537,"punctuated_word":"Super.","sentiment":"neutral","sentiment_score":0.1402430236339569},{"word":"we're","start":899.735,"end":899.975,"confidence":0.99902344,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.07734550535678864},{"word":"gonna","start":899.975,"end":900.295,"confidence":0.9770508,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.10861439257860184},{"word":"retain","start":900.295,"end":900.615,"confidence":0.9980469,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.15463155508041382},{"word":"that","start":900.615,"end":900.775,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0662664994597435},{"word":"exactly","start":900.775,"end":901.255,"confidence":0.99902344,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":0.1496838629245758},{"word":"as","start":901.255,"end":901.415,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15123143792152405},{"word":"it","start":901.415,"end":901.575,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.102767676115036},{"word":"is","start":901.575,"end":901.735,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11637960374355316},{"word":"for","start":901.735,"end":901.895,"confidence":0.98535156,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11067155748605728},{"word":"the","start":901.895,"end":902.055,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12492478638887404},{"word":"moment","start":902.055,"end":902.295,"confidence":0.95996094,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.1433127075433731},{"word":"but","start":902.295,"end":902.53503,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.12720030546188354},{"word":"the","start":902.53503,"end":902.615,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08110439777374268},{"word":"goal","start":902.615,"end":902.855,"confidence":1.0,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.1897735297679901},{"word":"is","start":902.855,"end":903.09503,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15459857881069183},{"word":"to","start":903.09503,"end":903.255,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14302271604537964},{"word":"continuously","start":903.255,"end":903.755,"confidence":0.99609375,"punctuated_word":"continuously","sentiment":"neutral","sentiment_score":0.25401854515075684},{"word":"achieve","start":903.895,"end":904.395,"confidence":0.23400879,"punctuated_word":"achieve","sentiment":"neutral","sentiment_score":0.2090582549571991},{"word":"be","start":904.55,"end":904.70996,"confidence":0.97802734,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.17099881172180176},{"word":"moving","start":904.70996,"end":904.94995,"confidence":0.9951172,"punctuated_word":"moving","sentiment":"positive","sentiment_score":0.3579433560371399},{"word":"money","start":904.94995,"end":905.43,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.3204955458641052},{"word":"out","start":905.43,"end":905.58997,"confidence":0.94189453,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.30250295996665955},{"word":"of","start":905.58997,"end":905.67,"confidence":0.9394531,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2419232726097107},{"word":"c","start":905.67,"end":905.99,"confidence":0.31884766,"punctuated_word":"c","sentiment":"neutral","sentiment_score":0.12261468917131424},{"word":"bus","start":905.99,"end":906.14996,"confidence":0.9194336,"punctuated_word":"bus","sentiment":"neutral","sentiment_score":0.19267092645168304},{"word":"and","start":906.14996,"end":906.31,"confidence":0.86035156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21093802154064176},{"word":"into","start":906.31,"end":906.55,"confidence":0.92578125,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.17332392930984497},{"word":"hub","start":906.55,"end":906.79,"confidence":0.88134766,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.2524226903915405},{"word":"24","start":906.79,"end":907.61,"confidence":0.9995117,"punctuated_word":"24.","sentiment":"neutral","sentiment_score":0.26935505867004395},{"word":"so","start":908.14996,"end":908.62994,"confidence":0.63183594,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.026530973613262177},{"word":"i'll","start":908.62994,"end":908.94995,"confidence":0.9523926,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.023312341421842575},{"word":"review","start":908.94995,"end":909.44995,"confidence":0.9189453,"punctuated_word":"review,","sentiment":"neutral","sentiment_score":0.04375277832150459},{"word":"obviously","start":909.50995,"end":909.91,"confidence":0.9980469,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.011497311294078829},{"word":"your","start":909.91,"end":910.14996,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.0021033138036727905},{"word":"balance","start":910.14996,"end":910.55,"confidence":1.0,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.0003505200147628784},{"word":"each","start":910.55,"end":910.79,"confidence":0.9951172,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.003650590777397156},{"word":"year","start":910.79,"end":911.29,"confidence":0.9628906,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.007269240915775299},{"word":"and","start":911.35,"end":911.58997,"confidence":0.9428711,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02362164855003357},{"word":"we'll","start":911.58997,"end":911.75,"confidence":1.0,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.032311614602804184},{"word":"make","start":911.75,"end":911.91,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.0645584836602211},{"word":"sure","start":911.91,"end":912.14996,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.020824924111366272},{"word":"we","start":912.14996,"end":912.38995,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.0188063383102417},{"word":"do","start":912.38995,"end":912.47,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.025265619158744812},{"word":"regular","start":912.47,"end":912.94995,"confidence":1.0,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.041377514600753784},{"word":"rollovers","start":912.94995,"end":913.44995,"confidence":0.976888,"punctuated_word":"rollovers.","sentiment":"neutral","sentiment_score":0.05072658509016037},{"word":"for","start":913.58997,"end":913.82996,"confidence":0.9941406,"punctuated_word":"For","sentiment":"neutral","sentiment_score":-0.12356393039226532},{"word":"this","start":913.82996,"end":914.06995,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.1548609882593155},{"word":"particular","start":914.06995,"end":914.56995,"confidence":1.0,"punctuated_word":"particular","sentiment":"neutral","sentiment_score":-0.14025798439979553},{"word":"moment","start":914.62994,"end":915.12994,"confidence":0.9995117,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.1466217339038849},{"word":"it's","start":915.18994,"end":915.50995,"confidence":0.99658203,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.2813080847263336},{"word":"only","start":915.50995,"end":915.82996,"confidence":0.907959,"punctuated_word":"only,","sentiment":"neutral","sentiment_score":-0.3054654598236084},{"word":"like","start":915.82996,"end":916.14996,"confidence":0.9946289,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.2686536908149719},{"word":"a","start":916.14996,"end":916.31,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.3091697692871094},{"word":"thousand","start":916.31,"end":916.81,"confidence":1.0,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":-0.15629136562347412},{"word":"$1,253","start":917.11,"end":919.11,"confidence":0.9997907,"punctuated_word":"$1,253","sentiment":"neutral","sentiment_score":-0.17779257893562317},{"word":"we'd","start":919.11,"end":919.425,"confidence":0.7315674,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":-0.2425777167081833},{"word":"be","start":919.425,"end":919.58496,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.3072127103805542},{"word":"rolling","start":919.58496,"end":919.825,"confidence":1.0,"punctuated_word":"rolling","sentiment":"neutral","sentiment_score":-0.11733001470565796},{"word":"out","start":919.825,"end":919.90497,"confidence":0.9267578,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.22124642133712769},{"word":"of","start":919.90497,"end":920.40497,"confidence":0.42089844,"punctuated_word":"of.","sentiment":"neutral","sentiment_score":-0.24274376034736633},{"word":"it","start":920.545,"end":920.705,"confidence":0.9819336,"punctuated_word":"It","sentiment":"negative","sentiment_score":-0.5494065284729004},{"word":"doesn't","start":920.705,"end":921.02496,"confidence":0.99853516,"punctuated_word":"doesn't","sentiment":"negative","sentiment_score":-0.5321776270866394},{"word":"sort","start":921.02496,"end":921.265,"confidence":0.99316406,"punctuated_word":"sort","sentiment":"negative","sentiment_score":-0.6714886426925659},{"word":"of","start":921.265,"end":921.345,"confidence":0.99902344,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.5803234577178955},{"word":"work","start":921.345,"end":921.505,"confidence":0.50097656,"punctuated_word":"work","sentiment":"negative","sentiment_score":-0.5518516302108765},{"word":"make","start":921.58496,"end":921.825,"confidence":0.99902344,"punctuated_word":"make","sentiment":"negative","sentiment_score":-0.6319666504859924},{"word":"it","start":921.825,"end":921.985,"confidence":1.0,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.6379106640815735},{"word":"worthwhile","start":921.985,"end":922.485,"confidence":0.9980469,"punctuated_word":"worthwhile","sentiment":"negative","sentiment_score":-0.5760319232940674},{"word":"right","start":922.545,"end":922.785,"confidence":1.0,"punctuated_word":"right","sentiment":"negative","sentiment_score":-0.43306025862693787},{"word":"now","start":922.785,"end":923.285,"confidence":0.7519531,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":-0.04275926202535629},{"word":"so","start":923.425,"end":923.58496,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.03050260618329048},{"word":"i'm","start":923.58496,"end":923.665,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.05459589883685112},{"word":"gonna","start":923.665,"end":923.985,"confidence":0.9951172,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.045415643602609634},{"word":"hold","start":923.985,"end":924.225,"confidence":0.99902344,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.05586019903421402},{"word":"off","start":924.225,"end":924.385,"confidence":0.9921875,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.07604914158582687},{"word":"on","start":924.385,"end":924.545,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.09975185990333556},{"word":"doing","start":924.545,"end":924.785,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.08557412773370743},{"word":"a","start":924.785,"end":924.945,"confidence":0.796875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06256178021430969},{"word":"rollover","start":924.945,"end":925.345,"confidence":0.9584961,"punctuated_word":"rollover","sentiment":"neutral","sentiment_score":-0.045225679874420166},{"word":"now","start":925.345,"end":925.745,"confidence":0.99902344,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.058800384402275085},{"word":"we'll","start":925.745,"end":925.90497,"confidence":0.9995117,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":-0.020733855664730072},{"word":"do","start":925.90497,"end":925.985,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.029039345681667328},{"word":"that","start":925.985,"end":926.225,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.01711215078830719},{"word":"when","start":926.225,"end":926.385,"confidence":0.9970703,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.00979004055261612},{"word":"we","start":926.385,"end":926.46497,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.02826879173517227},{"word":"do","start":926.46497,"end":926.625,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.005021117627620697},{"word":"a","start":926.625,"end":926.785,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.015808776021003723},{"word":"catch","start":926.785,"end":926.945,"confidence":1.0,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":0.0025911666452884674},{"word":"up","start":926.945,"end":927.185,"confidence":0.9645996,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":-0.013248905539512634},{"word":"and","start":927.185,"end":927.265,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.004677869379520416},{"word":"i'll","start":927.265,"end":927.505,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.013062837533652782},{"word":"reassess","start":927.505,"end":927.985,"confidence":0.9995117,"punctuated_word":"reassess","sentiment":"neutral","sentiment_score":0.019656050950288773},{"word":"your","start":927.985,"end":928.225,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.01288381963968277},{"word":"balance","start":928.225,"end":928.705,"confidence":1.0,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.0003348924219608307},{"word":"then","start":928.705,"end":929.205,"confidence":0.99316406,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":-0.004774753004312515},{"word":"but","start":929.265,"end":929.505,"confidence":0.9404297,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.02526726946234703},{"word":"in","start":929.505,"end":929.665,"confidence":0.9892578,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.061614714562892914},{"word":"hub","start":929.665,"end":929.985,"confidence":0.6409912,"punctuated_word":"HUB","sentiment":"neutral","sentiment_score":-0.030288156121969223},{"word":"twenty","start":929.985,"end":930.305,"confidence":0.7246094,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":-0.04098924249410629},{"word":"four","start":930.305,"end":930.46497,"confidence":0.96972656,"punctuated_word":"four,","sentiment":"neutral","sentiment_score":-0.05616375431418419},{"word":"in","start":930.46497,"end":930.625,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.08174148201942444},{"word":"order","start":930.625,"end":930.865,"confidence":1.0,"punctuated_word":"order","sentiment":"neutral","sentiment_score":-0.056393638253211975},{"word":"to","start":930.865,"end":931.02496,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.033541467040777206},{"word":"move","start":931.02496,"end":931.185,"confidence":0.99902344,"punctuated_word":"move","sentiment":"neutral","sentiment_score":-0.01129385456442833},{"word":"into","start":931.185,"end":931.505,"confidence":0.9716797,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.0007526837289333344},{"word":"more","start":931.505,"end":931.8,"confidence":0.9941406,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.009158320724964142},{"word":"that","start":931.8,"end":932.0783,"confidence":0.45507812,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.050916846841573715},{"word":"high","start":932.0783,"end":932.3566,"confidence":0.9760742,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.005177106708288193},{"word":"growth","start":932.3566,"end":932.635,"confidence":0.99902344,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.03580056130886078},{"word":"environment","start":932.635,"end":932.9133,"confidence":0.9980469,"punctuated_word":"environment,","sentiment":"neutral","sentiment_score":-0.039739757776260376},{"word":"we","start":932.9133,"end":933.19165,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.14122766256332395},{"word":"needed","start":933.19165,"end":933.47,"confidence":0.9941406,"punctuated_word":"needed","sentiment":"neutral","sentiment_score":-0.15158486366271973},{"word":"to","start":933.47,"end":933.74835,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.14488092064857483},{"word":"reassess","start":933.74835,"end":934.0267,"confidence":1.0,"punctuated_word":"reassess","sentiment":"neutral","sentiment_score":-0.11831475794315338},{"word":"the","start":934.0267,"end":934.305,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17047971487045288},{"word":"investments","start":934.305,"end":934.5833,"confidence":0.77319336,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":-0.10879987478256226},{"word":"and","start":934.5833,"end":934.86163,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.1490621417760849},{"word":"i","start":934.86163,"end":935.14,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.20644402503967285},{"word":"had","start":935.14,"end":935.41833,"confidence":0.98095703,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.2338099628686905},{"word":"found","start":935.41833,"end":935.69666,"confidence":0.9980469,"punctuated_word":"found","sentiment":"neutral","sentiment_score":-0.23894529044628143},{"word":"that","start":935.69666,"end":935.975,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2602370083332062},{"word":"some","start":935.975,"end":936.25336,"confidence":1.0,"punctuated_word":"some","sentiment":"negative","sentiment_score":-0.3368319869041443},{"word":"of","start":936.25336,"end":936.5317,"confidence":1.0,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4234786629676819},{"word":"them","start":936.5317,"end":936.81,"confidence":1.0,"punctuated_word":"them","sentiment":"negative","sentiment_score":-0.4455766975879669},{"word":"in","start":936.81,"end":937.0883,"confidence":0.99609375,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.4381974637508392},{"word":"your","start":937.0883,"end":937.36664,"confidence":0.984375,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.4062656164169311},{"word":"old","start":937.36664,"end":937.645,"confidence":0.4387207,"punctuated_word":"old","sentiment":"negative","sentiment_score":-0.41378360986709595},{"word":"portfolio","start":937.645,"end":937.92334,"confidence":0.99902344,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.3223436176776886},{"word":"were","start":937.92334,"end":938.20166,"confidence":0.9892578,"punctuated_word":"were","sentiment":"negative","sentiment_score":-0.5217280983924866},{"word":"underperforming","start":938.20166,"end":938.48,"confidence":0.99609375,"punctuated_word":"underperforming","sentiment":"negative","sentiment_score":-0.4868822693824768},{"word":"and","start":938.48,"end":938.75836,"confidence":0.99121094,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.55304354429245},{"word":"needed","start":938.75836,"end":939.0367,"confidence":1.0,"punctuated_word":"needed","sentiment":"negative","sentiment_score":-0.5876878499984741},{"word":"to","start":939.0367,"end":939.315,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.5450650453567505},{"word":"be","start":939.315,"end":939.5933,"confidence":0.99609375,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.5170546770095825},{"word":"altered","start":939.5933,"end":939.87164,"confidence":0.984375,"punctuated_word":"altered","sentiment":"negative","sentiment_score":-0.4758804738521576},{"word":"and","start":939.87164,"end":940.15,"confidence":0.9980469,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.4145617187023163},{"word":"changed","start":940.15,"end":940.42834,"confidence":0.99365234,"punctuated_word":"changed.","sentiment":"negative","sentiment_score":-0.39429527521133423},{"word":"so","start":940.42834,"end":940.70667,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.27344250679016113},{"word":"the","start":940.70667,"end":940.985,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.3153863251209259},{"word":"red","start":940.985,"end":941.26337,"confidence":0.9970703,"punctuated_word":"red","sentiment":"negative","sentiment_score":-0.36117735505104065},{"word":"that","start":941.26337,"end":941.5417,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.3171781003475189},{"word":"you've","start":941.5417,"end":941.82,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.3284633159637451},{"word":"been","start":941.82,"end":942.0983,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.31103643774986267},{"word":"looking","start":942.0983,"end":942.37665,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.31739091873168945},{"word":"at","start":942.37665,"end":942.655,"confidence":0.99902344,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.3668040931224823},{"word":"is","start":942.655,"end":942.93335,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.3113943338394165},{"word":"what","start":942.93335,"end":943.2117,"confidence":1.0,"punctuated_word":"what","sentiment":"negative","sentiment_score":-0.3787822127342224},{"word":"we're","start":943.2117,"end":943.49,"confidence":1.0,"punctuated_word":"we're","sentiment":"negative","sentiment_score":-0.41063809394836426},{"word":"gonna","start":943.49,"end":943.7684,"confidence":0.9428711,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.4150598645210266},{"word":"be","start":943.7684,"end":944.0467,"confidence":0.9980469,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.4626865088939667},{"word":"selling","start":944.0467,"end":944.325,"confidence":0.9970703,"punctuated_word":"selling","sentiment":"negative","sentiment_score":-0.4621998071670532},{"word":"down","start":944.405,"end":944.72504,"confidence":0.9880371,"punctuated_word":"down.","sentiment":"negative","sentiment_score":-0.3403840661048889},{"word":"so","start":944.72504,"end":944.885,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.2986413240432739},{"word":"we","start":944.885,"end":945.045,"confidence":1.0,"punctuated_word":"we","sentiment":"negative","sentiment_score":-0.3593080937862396},{"word":"are","start":945.045,"end":945.28503,"confidence":1.0,"punctuated_word":"are","sentiment":"negative","sentiment_score":-0.35774433612823486},{"word":"gonna","start":945.28503,"end":945.445,"confidence":0.9819336,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.3314203917980194},{"word":"be","start":945.445,"end":945.60504,"confidence":0.9980469,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.34568196535110474},{"word":"selling","start":945.60504,"end":946.005,"confidence":1.0,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":-0.32676994800567627},{"word":"off","start":946.005,"end":946.16504,"confidence":0.99609375,"punctuated_word":"off","sentiment":"negative","sentiment_score":-0.34382688999176025},{"word":"the","start":946.16504,"end":946.405,"confidence":0.99902344,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.39379945397377014},{"word":"battery","start":946.405,"end":946.72504,"confidence":0.90722656,"punctuated_word":"battery","sentiment":"neutral","sentiment_score":-0.2714581787586212},{"word":"and","start":946.72504,"end":946.885,"confidence":0.97265625,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.4301576614379883},{"word":"lithium","start":946.885,"end":947.365,"confidence":0.9980469,"punctuated_word":"lithium","sentiment":"neutral","sentiment_score":-0.223849356174469},{"word":"tax","start":947.365,"end":947.865,"confidence":0.8137207,"punctuated_word":"tax,","sentiment":"neutral","sentiment_score":-0.30626893043518066},{"word":"the","start":947.925,"end":948.085,"confidence":0.9770508,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3465432822704315},{"word":"ben","start":948.085,"end":948.325,"confidence":0.61865234,"punctuated_word":"Ben","sentiment":"neutral","sentiment_score":-0.27677470445632935},{"word":"along","start":948.325,"end":948.645,"confidence":0.69677734,"punctuated_word":"along","sentiment":"neutral","sentiment_score":-0.20941062271595},{"word":"australian","start":948.645,"end":949.125,"confidence":0.9970703,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.18865510821342468},{"word":"equities","start":949.125,"end":949.525,"confidence":0.8536784,"punctuated_word":"Equities,","sentiment":"neutral","sentiment_score":-0.3076860308647156},{"word":"which","start":949.525,"end":949.765,"confidence":1.0,"punctuated_word":"which","sentiment":"negative","sentiment_score":-0.4358947873115539},{"word":"has","start":949.765,"end":949.925,"confidence":0.99316406,"punctuated_word":"has","sentiment":"negative","sentiment_score":-0.4784702062606811},{"word":"been","start":949.925,"end":950.085,"confidence":0.99902344,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.5297002196311951},{"word":"underperforming","start":950.085,"end":950.585,"confidence":0.9970703,"punctuated_word":"underperforming","sentiment":"negative","sentiment_score":-0.5948024392127991},{"word":"and","start":950.885,"end":951.125,"confidence":0.99609375,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.6491912007331848},{"word":"not","start":951.125,"end":951.365,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.7066270112991333},{"word":"doing","start":951.365,"end":951.60504,"confidence":1.0,"punctuated_word":"doing","sentiment":"negative","sentiment_score":-0.583188533782959},{"word":"very","start":951.60504,"end":951.84503,"confidence":0.99902344,"punctuated_word":"very","sentiment":"negative","sentiment_score":-0.590952455997467},{"word":"well","start":951.84503,"end":952.16504,"confidence":1.0,"punctuated_word":"well","sentiment":"negative","sentiment_score":-0.5737994313240051},{"word":"for","start":952.16504,"end":952.325,"confidence":0.9951172,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.5119527578353882},{"word":"your","start":952.325,"end":952.565,"confidence":0.99902344,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.5384180545806885},{"word":"fund","start":952.565,"end":953.065,"confidence":0.8251953,"punctuated_word":"fund.","sentiment":"negative","sentiment_score":-0.4380953907966614},{"word":"the","start":953.685,"end":953.925,"confidence":0.64697266,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.33127304911613464},{"word":"bank","start":953.925,"end":954.325,"confidence":0.91259766,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":-0.32773053646087646},{"word":"hybrids","start":954.325,"end":954.825,"confidence":0.9255371,"punctuated_word":"hybrids,","sentiment":"negative","sentiment_score":-0.3641669750213623},{"word":"that","start":955.205,"end":955.365,"confidence":0.7963867,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4339825510978699},{"word":"sort","start":955.365,"end":955.60504,"confidence":0.9902344,"punctuated_word":"sort","sentiment":"negative","sentiment_score":-0.5148031115531921},{"word":"of","start":955.60504,"end":955.765,"confidence":0.99609375,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.490535706281662},{"word":"investment","start":955.765,"end":956.245,"confidence":0.9970703,"punctuated_word":"investment","sentiment":"negative","sentiment_score":-0.4483331441879273},{"word":"is","start":956.245,"end":956.49,"confidence":0.9604492,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.38977181911468506},{"word":"actually","start":956.57,"end":956.73,"confidence":0.9350586,"punctuated_word":"actually","sentiment":"negative","sentiment_score":-0.37953346967697144},{"word":"gonna","start":956.73,"end":956.89,"confidence":0.9667969,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.41903311014175415},{"word":"be","start":956.89,"end":956.97,"confidence":0.99121094,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.49901336431503296},{"word":"phased","start":956.97,"end":957.37,"confidence":0.9980469,"punctuated_word":"phased","sentiment":"negative","sentiment_score":-0.3842194974422455},{"word":"out","start":957.37,"end":957.52997,"confidence":0.96240234,"punctuated_word":"out","sentiment":"negative","sentiment_score":-0.44132569432258606},{"word":"by","start":957.52997,"end":957.77,"confidence":1.0,"punctuated_word":"by","sentiment":"negative","sentiment_score":-0.4903815686702728},{"word":"the","start":957.77,"end":957.93,"confidence":0.99902344,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4362833499908447},{"word":"government","start":957.93,"end":958.33,"confidence":0.8215332,"punctuated_word":"government,","sentiment":"negative","sentiment_score":-0.3826536536216736},{"word":"so","start":958.33,"end":958.49,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.2550458312034607},{"word":"we","start":958.49,"end":958.64996,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.32462361454963684},{"word":"need","start":958.64996,"end":958.89,"confidence":1.0,"punctuated_word":"need","sentiment":"negative","sentiment_score":-0.34671297669410706},{"word":"to","start":958.89,"end":959.05,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.34054237604141235},{"word":"remove","start":959.05,"end":959.45,"confidence":1.0,"punctuated_word":"remove","sentiment":"neutral","sentiment_score":-0.28843581676483154},{"word":"that","start":959.45,"end":959.61,"confidence":1.0,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.42172545194625854},{"word":"from","start":959.61,"end":959.77,"confidence":1.0,"punctuated_word":"from","sentiment":"negative","sentiment_score":-0.3626152575016022},{"word":"your","start":959.77,"end":960.08997,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.2869667410850525},{"word":"portfolio","start":960.08997,"end":960.58997,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.2963355481624603},{"word":"now","start":960.73,"end":961.23,"confidence":0.9941406,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.27485066652297974},{"word":"the","start":962.17,"end":962.41,"confidence":0.94384766,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.21687808632850647},{"word":"china","start":962.41,"end":962.81,"confidence":0.99902344,"punctuated_word":"China","sentiment":"neutral","sentiment_score":-0.13343700766563416},{"word":"new","start":962.81,"end":963.05,"confidence":0.91503906,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.21355172991752625},{"word":"economy","start":963.05,"end":963.55,"confidence":1.0,"punctuated_word":"economy","sentiment":"neutral","sentiment_score":-0.1799331158399582},{"word":"hasn't","start":963.69,"end":964.01,"confidence":1.0,"punctuated_word":"hasn't","sentiment":"neutral","sentiment_score":-0.3178059160709381},{"word":"been","start":964.01,"end":964.25,"confidence":0.99902344,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.3349912464618683},{"word":"performing","start":964.25,"end":964.73,"confidence":1.0,"punctuated_word":"performing","sentiment":"neutral","sentiment_score":-0.2666586935520172},{"word":"as","start":964.73,"end":964.89,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.2890746593475342},{"word":"well","start":964.89,"end":965.13,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.21009312570095065},{"word":"as","start":965.13,"end":965.20996,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.24251821637153623},{"word":"it","start":965.20996,"end":965.37,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.302104651927948},{"word":"should","start":965.37,"end":965.69,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.2372754812240601},{"word":"have","start":965.69,"end":965.85,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1785668283700943},{"word":"been","start":965.85,"end":966.35,"confidence":0.7519531,"punctuated_word":"been.","sentiment":"neutral","sentiment_score":-0.17411521077156067},{"word":"and","start":966.57,"end":966.73,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.20829033851623535},{"word":"your","start":966.73,"end":966.97,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.18493863940238953},{"word":"physical","start":966.97,"end":967.45,"confidence":0.9902344,"punctuated_word":"physical","sentiment":"neutral","sentiment_score":-0.20601920783519745},{"word":"gold","start":967.45,"end":967.77,"confidence":0.95703125,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":-0.16891421377658844},{"word":"is","start":967.77,"end":968.01,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.10131648182868958},{"word":"doing","start":968.01,"end":968.41,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.1191360205411911},{"word":"very","start":968.41,"end":968.64996,"confidence":0.99902344,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.0024055391550064087},{"word":"well","start":968.64996,"end":968.89,"confidence":0.9980469,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.2636904716491699},{"word":"and","start":968.89,"end":969.05,"confidence":0.9707031,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.049367502331733704},{"word":"is","start":969.05,"end":969.37,"confidence":0.9838867,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06113329529762268},{"word":"great","start":969.37,"end":969.87,"confidence":0.9921875,"punctuated_word":"great,","sentiment":"neutral","sentiment_score":0.04039786756038666},{"word":"but","start":969.93,"end":970.08997,"confidence":0.9941406,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.13945502042770386},{"word":"we","start":970.08997,"end":970.25,"confidence":0.9892578,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.3327069580554962},{"word":"need","start":970.25,"end":970.49,"confidence":0.9970703,"punctuated_word":"need","sentiment":"negative","sentiment_score":-0.39953869581222534},{"word":"to","start":970.49,"end":970.57,"confidence":0.9970703,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4144313335418701},{"word":"just","start":970.57,"end":970.89,"confidence":0.9951172,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.43225833773612976},{"word":"reduce","start":970.89,"end":971.29,"confidence":0.9980469,"punctuated_word":"reduce","sentiment":"negative","sentiment_score":-0.35426077246665955},{"word":"it","start":971.29,"end":971.45,"confidence":0.96533203,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.4678841233253479},{"word":"back","start":971.45,"end":971.61,"confidence":0.98535156,"punctuated_word":"back","sentiment":"negative","sentiment_score":-0.4077788591384888},{"word":"a","start":971.61,"end":971.77,"confidence":0.9716797,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3976271152496338},{"word":"little","start":971.77,"end":972.105,"confidence":0.9892578,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.3036692440509796},{"word":"bit","start":972.105,"end":972.26495,"confidence":0.97021484,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.2639221251010895},{"word":"so","start":972.26495,"end":972.425,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.10595031827688216},{"word":"we","start":972.425,"end":972.505,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.0701325535774231},{"word":"only","start":972.505,"end":972.82495,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.09525011479854584},{"word":"wanna","start":972.82495,"end":973.14496,"confidence":0.99316406,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.06516022980213165},{"word":"hold","start":973.14496,"end":973.385,"confidence":0.99902344,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.07666467130184174},{"word":"7%","start":973.385,"end":974.105,"confidence":0.99853516,"punctuated_word":"7%","sentiment":"neutral","sentiment_score":-0.053262483328580856},{"word":"of","start":974.105,"end":974.345,"confidence":0.99121094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05311674624681473},{"word":"physical","start":974.345,"end":974.745,"confidence":0.99902344,"punctuated_word":"physical","sentiment":"neutral","sentiment_score":-0.12696325778961182},{"word":"gold","start":974.745,"end":975.245,"confidence":0.9880371,"punctuated_word":"gold.","sentiment":"neutral","sentiment_score":-0.043794188648462296},{"word":"you've","start":975.305,"end":975.545,"confidence":0.99853516,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":-0.04225017875432968},{"word":"currently","start":975.545,"end":975.945,"confidence":0.99902344,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.0738135352730751},{"word":"got","start":975.945,"end":976.185,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.05357593297958374},{"word":"9%","start":976.185,"end":976.745,"confidence":0.99902344,"punctuated_word":"9%","sentiment":"neutral","sentiment_score":0.002494126558303833},{"word":"there","start":976.745,"end":976.985,"confidence":0.9980469,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.024301335215568542},{"word":"at","start":976.985,"end":977.065,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.07777117937803268},{"word":"the","start":977.065,"end":977.225,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06951338797807693},{"word":"moment","start":977.225,"end":977.625,"confidence":0.7788086,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.015802375972270966},{"word":"so","start":977.625,"end":977.785,"confidence":0.9970703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.015320613980293274},{"word":"we","start":977.785,"end":977.945,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07051980495452881},{"word":"just","start":977.945,"end":978.185,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12441177666187286},{"word":"wanna","start":978.185,"end":978.505,"confidence":0.9658203,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.17002716660499573},{"word":"cement","start":978.505,"end":978.82495,"confidence":0.9243164,"punctuated_word":"cement","sentiment":"neutral","sentiment_score":0.27458077669143677},{"word":"some","start":978.82495,"end":979.065,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.3127627372741699},{"word":"of","start":979.065,"end":979.14496,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3045322597026825},{"word":"the","start":979.14496,"end":979.305,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.254921555519104},{"word":"gains","start":979.305,"end":979.70496,"confidence":0.9873047,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":0.292878657579422},{"word":"and","start":979.70496,"end":980.02496,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2555367052555084},{"word":"redistribute","start":980.02496,"end":980.52496,"confidence":0.99853516,"punctuated_word":"redistribute","sentiment":"neutral","sentiment_score":0.24181370437145233},{"word":"those","start":980.745,"end":980.985,"confidence":0.9980469,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.30817171931266785},{"word":"across","start":980.985,"end":981.305,"confidence":1.0,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.18920503556728363},{"word":"your","start":981.305,"end":981.545,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08246664702892303},{"word":"portfolio","start":981.545,"end":982.045,"confidence":0.9980469,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.013892903923988342},{"word":"for","start":982.26495,"end":982.425,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11161630600690842},{"word":"you","start":982.425,"end":982.925,"confidence":0.99853516,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.06891754269599915},{"word":"you","start":983.065,"end":983.225,"confidence":0.9970703,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.01781732589006424},{"word":"only","start":983.225,"end":983.545,"confidence":0.9980469,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.01623310148715973},{"word":"wanna","start":983.545,"end":983.865,"confidence":0.99609375,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.05063831806182861},{"word":"hold","start":983.865,"end":984.105,"confidence":0.99902344,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.04502028971910477},{"word":"about","start":984.105,"end":984.425,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.004434853792190552},{"word":"77%","start":984.425,"end":985.785,"confidence":0.9550781,"punctuated_word":"77%","sentiment":"neutral","sentiment_score":0.037318311631679535},{"word":"of","start":985.785,"end":985.945,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.030180267989635468},{"word":"physical","start":985.945,"end":986.425,"confidence":0.9980469,"punctuated_word":"physical","sentiment":"neutral","sentiment_score":0.005826413631439209},{"word":"gold","start":986.425,"end":986.665,"confidence":0.9951172,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.040011800825595856},{"word":"in","start":986.665,"end":986.82495,"confidence":0.97998047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.033283889293670654},{"word":"your","start":986.82495,"end":987.065,"confidence":0.98828125,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.016443602740764618},{"word":"portfolio","start":987.065,"end":987.565,"confidence":0.98535156,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":-0.00822373852133751},{"word":"the","start":989.27997,"end":989.51996,"confidence":0.9482422,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.011735431849956512},{"word":"beta","start":989.51996,"end":989.83997,"confidence":0.52197266,"punctuated_word":"beta","sentiment":"neutral","sentiment_score":0.05484667420387268},{"word":"share","start":989.83997,"end":990.16,"confidence":0.640625,"punctuated_word":"share","sentiment":"neutral","sentiment_score":0.032946616411209106},{"word":"cybersecurity","start":990.16,"end":990.66,"confidence":0.96118164,"punctuated_word":"cybersecurity,","sentiment":"neutral","sentiment_score":-0.02360669337213039},{"word":"we","start":991.68,"end":991.83997,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.0291951522231102},{"word":"only","start":991.83997,"end":992.07996,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.034729696810245514},{"word":"wanna","start":992.07996,"end":992.39996,"confidence":0.9819336,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.014268215745687485},{"word":"hold","start":992.39996,"end":992.56,"confidence":0.99902344,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.02711392194032669},{"word":"about","start":992.56,"end":992.88,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.05766932666301727},{"word":"6%","start":992.88,"end":993.44,"confidence":1.0,"punctuated_word":"6%","sentiment":"neutral","sentiment_score":-0.0023241303861141205},{"word":"in","start":993.44,"end":993.51996,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.006520353257656097},{"word":"your","start":993.51996,"end":993.75995,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.024449780583381653},{"word":"portfolio","start":993.75995,"end":994.25995,"confidence":0.99658203,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":-0.05106133222579956},{"word":"you","start":994.31995,"end":994.56,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.09144355356693268},{"word":"kinda","start":994.56,"end":994.88,"confidence":0.41625977,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.06816685199737549},{"word":"got","start":994.88,"end":995.19995,"confidence":0.99609375,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.0988725945353508},{"word":"8.24%","start":995.19995,"end":996.39996,"confidence":0.95820314,"punctuated_word":"8.24%,","sentiment":"neutral","sentiment_score":-0.04044149070978165},{"word":"so","start":996.39996,"end":996.63995,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.05894331634044647},{"word":"we","start":996.63995,"end":996.8,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.09537377208471298},{"word":"wanna","start":996.8,"end":997.04,"confidence":0.99609375,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.0012405216693878174},{"word":"sell","start":997.04,"end":997.36,"confidence":0.9902344,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.07620711624622345},{"word":"some","start":997.36,"end":997.51996,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.0810745358467102},{"word":"of","start":997.51996,"end":997.68,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0723603367805481},{"word":"that","start":997.68,"end":998.07996,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07925388216972351},{"word":"and","start":998.07996,"end":998.31995,"confidence":0.96777344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08537044376134872},{"word":"just","start":998.31995,"end":998.56,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06081131100654602},{"word":"rebalance","start":998.56,"end":999.06,"confidence":0.9983724,"punctuated_word":"rebalance","sentiment":"neutral","sentiment_score":-0.046955447643995285},{"word":"you","start":999.12,"end":999.36,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.007309183478355408},{"word":"back","start":999.36,"end":999.6,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.01260446012020111},{"word":"a","start":999.6,"end":999.68,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05907827243208885},{"word":"little","start":999.68,"end":999.92,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.051337212324142456},{"word":"bit","start":999.92,"end":1000.16,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.05321279168128967},{"word":"there","start":1000.16,"end":1000.39996,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.10068687051534651},{"word":"as","start":1000.39996,"end":1000.56,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.08276353776454926},{"word":"well","start":1000.56,"end":1001.06,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.05038861930370331},{"word":"the","start":1002.0,"end":1002.24,"confidence":0.9741211,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.018286705017089844},{"word":"s","start":1002.24,"end":1002.48,"confidence":0.6855469,"punctuated_word":"s","sentiment":"neutral","sentiment_score":0.005823403596878052},{"word":"and","start":1002.48,"end":1002.63995,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03720869496464729},{"word":"p","start":1002.63995,"end":1002.88,"confidence":0.9941406,"punctuated_word":"p","sentiment":"neutral","sentiment_score":-0.02027101442217827},{"word":"five","start":1002.88,"end":1003.185,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.03897550702095032},{"word":"hundred","start":1003.345,"end":1003.585,"confidence":0.76708984,"punctuated_word":"hundred","sentiment":"neutral","sentiment_score":-0.007425043731927872},{"word":"is","start":1003.585,"end":1003.665,"confidence":0.45629883,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.018506690859794617},{"word":"the","start":1003.665,"end":1003.90497,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.022171281278133392},{"word":"top","start":1003.90497,"end":1004.145,"confidence":0.97998047,"punctuated_word":"top","sentiment":"neutral","sentiment_score":-0.0005325637757778168},{"word":"500","start":1004.145,"end":1004.705,"confidence":0.9995117,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.009458806365728378},{"word":"companies","start":1004.705,"end":1005.105,"confidence":0.99902344,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":-0.0104922316968441},{"word":"in","start":1005.105,"end":1005.265,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0013785846531391144},{"word":"the","start":1005.265,"end":1005.505,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.0066592395305633545},{"word":"us","start":1005.505,"end":1005.825,"confidence":0.9824219,"punctuated_word":"US.","sentiment":"neutral","sentiment_score":-0.018474724143743515},{"word":"we","start":1005.825,"end":1006.065,"confidence":0.9980469,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.01202843338251114},{"word":"wanna","start":1006.065,"end":1006.305,"confidence":0.9716797,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.011007342487573624},{"word":"hold","start":1006.305,"end":1006.545,"confidence":1.0,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.008210577070713043},{"word":"about","start":1006.545,"end":1006.865,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.008642859756946564},{"word":"35%","start":1006.865,"end":1007.745,"confidence":1.0,"punctuated_word":"35%","sentiment":"neutral","sentiment_score":0.007412079721689224},{"word":"of","start":1007.745,"end":1007.90497,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.016525283455848694},{"word":"your","start":1007.90497,"end":1008.065,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.01376085728406906},{"word":"portfolio","start":1008.065,"end":1008.565,"confidence":0.9995117,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":-0.025389693677425385},{"word":"you're","start":1008.945,"end":1009.185,"confidence":0.99902344,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.15309548377990723},{"word":"a","start":1009.185,"end":1009.265,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.21536001563072205},{"word":"bit","start":1009.265,"end":1009.505,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.2422161102294922},{"word":"underweighted","start":1009.505,"end":1010.005,"confidence":0.9353841,"punctuated_word":"underweighted","sentiment":"neutral","sentiment_score":-0.2967703342437744},{"word":"at","start":1010.065,"end":1010.225,"confidence":1.0,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.3681368827819824},{"word":"the","start":1010.225,"end":1010.385,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.3083932101726532},{"word":"moment","start":1010.385,"end":1010.785,"confidence":0.9453125,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.2780117392539978},{"word":"so","start":1010.785,"end":1011.025,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.20601174235343933},{"word":"we","start":1011.025,"end":1011.185,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.14817574620246887},{"word":"wanna","start":1011.185,"end":1011.505,"confidence":0.9921875,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.04231495782732963},{"word":"bring","start":1011.505,"end":1011.745,"confidence":1.0,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":-0.1418299674987793},{"word":"that","start":1011.745,"end":1011.985,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.15346044301986694},{"word":"exposure","start":1011.985,"end":1012.485,"confidence":0.99902344,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":-0.09307947754859924},{"word":"up","start":1012.545,"end":1012.705,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.12117845565080644},{"word":"a","start":1012.705,"end":1012.865,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.13303345441818237},{"word":"little","start":1012.865,"end":1013.105,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.07937000691890717},{"word":"bit","start":1013.105,"end":1013.345,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.10061337053775787},{"word":"and","start":1013.345,"end":1013.585,"confidence":0.97802734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08841638267040253},{"word":"buy","start":1013.585,"end":1013.825,"confidence":0.97265625,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":-0.09347128123044968},{"word":"just","start":1013.825,"end":1014.145,"confidence":0.8535156,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.07994115352630615},{"word":"over","start":1014.145,"end":1014.465,"confidence":0.99902344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.03642082214355469},{"word":"$4,000","start":1014.465,"end":1015.425,"confidence":0.99975586,"punctuated_word":"$4,000","sentiment":"neutral","sentiment_score":0.01357056200504303},{"word":"of","start":1015.425,"end":1015.90497,"confidence":0.97509766,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.015520051121711733},{"word":"the","start":1015.90497,"end":1016.065,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01830943673849106},{"word":"s","start":1016.065,"end":1016.225,"confidence":0.9819336,"punctuated_word":"s","sentiment":"neutral","sentiment_score":-0.02798917517066002},{"word":"and","start":1016.225,"end":1016.385,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06729128956794739},{"word":"p","start":1016.385,"end":1016.625,"confidence":0.99902344,"punctuated_word":"p","sentiment":"neutral","sentiment_score":-0.043398238718509674},{"word":"five","start":1016.625,"end":1016.865,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.029156990349292755},{"word":"hundred","start":1016.865,"end":1017.365,"confidence":0.99560547,"punctuated_word":"hundred.","sentiment":"neutral","sentiment_score":-0.0617171935737133},{"word":"and","start":1018.11,"end":1018.27,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.12418030202388763},{"word":"then","start":1018.27,"end":1018.51,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.1384904682636261},{"word":"with","start":1018.51,"end":1018.83,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.17383544147014618},{"word":"the","start":1018.83,"end":1018.91,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.20623624324798584},{"word":"vaneck","start":1018.91,"end":1019.41,"confidence":0.8038737,"punctuated_word":"VanEck","sentiment":"neutral","sentiment_score":-0.24357978999614716},{"word":"australian","start":1019.47,"end":1019.95,"confidence":0.9902344,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.2453625649213791},{"word":"property","start":1019.95,"end":1020.43,"confidence":0.9145508,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":-0.22393283247947693},{"word":"property","start":1020.43,"end":1020.75,"confidence":0.9970703,"punctuated_word":"property","sentiment":"negative","sentiment_score":-0.3990981876850128},{"word":"is","start":1020.75,"end":1020.99,"confidence":0.9838867,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.38514068722724915},{"word":"having","start":1020.99,"end":1021.23,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.33196568489074707},{"word":"a","start":1021.23,"end":1021.31,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.28989389538764954},{"word":"bit","start":1021.31,"end":1021.47,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.28603971004486084},{"word":"of","start":1021.47,"end":1021.63,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.313442200422287},{"word":"a","start":1021.63,"end":1021.71,"confidence":1.0,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3441309332847595},{"word":"pullback","start":1021.71,"end":1022.19,"confidence":0.97477216,"punctuated_word":"pullback.","sentiment":"negative","sentiment_score":-0.33473843336105347},{"word":"we","start":1022.19,"end":1022.35,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.2147568166255951},{"word":"wanna","start":1022.35,"end":1022.67,"confidence":0.9658203,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.2536681890487671},{"word":"remove","start":1022.67,"end":1022.99,"confidence":0.9980469,"punctuated_word":"remove","sentiment":"neutral","sentiment_score":-0.2314189970493317},{"word":"that","start":1022.99,"end":1023.23,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2772237956523895},{"word":"solely","start":1023.23,"end":1023.55,"confidence":0.9667969,"punctuated_word":"solely","sentiment":"neutral","sentiment_score":-0.31791168451309204},{"word":"from","start":1023.55,"end":1023.71,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.28454291820526123},{"word":"your","start":1023.71,"end":1024.03,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.26624104380607605},{"word":"portfolio","start":1024.03,"end":1024.53,"confidence":0.7783203,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":-0.26159101724624634},{"word":"whilst","start":1024.59,"end":1024.99,"confidence":0.9482422,"punctuated_word":"Whilst","sentiment":"neutral","sentiment_score":-0.21220752596855164},{"word":"it","start":1024.99,"end":1025.07,"confidence":0.87353516,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.18391017615795135},{"word":"has","start":1025.07,"end":1025.3099,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.1195005625486374},{"word":"provided","start":1025.3099,"end":1025.79,"confidence":0.99609375,"punctuated_word":"provided","sentiment":"neutral","sentiment_score":0.07500165700912476},{"word":"good","start":1025.79,"end":1026.03,"confidence":0.9970703,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.15696878731250763},{"word":"returns","start":1026.03,"end":1026.53,"confidence":0.97143555,"punctuated_word":"returns,","sentiment":"neutral","sentiment_score":-0.07063842564821243},{"word":"our","start":1026.83,"end":1026.99,"confidence":0.98095703,"punctuated_word":"our","sentiment":"negative","sentiment_score":-0.42620545625686646},{"word":"property","start":1026.99,"end":1027.39,"confidence":1.0,"punctuated_word":"property","sentiment":"negative","sentiment_score":-0.4349249303340912},{"word":"is","start":1027.39,"end":1027.55,"confidence":0.99902344,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.41346052289009094},{"word":"having","start":1027.55,"end":1027.87,"confidence":1.0,"punctuated_word":"having","sentiment":"negative","sentiment_score":-0.3598787188529968},{"word":"a","start":1027.87,"end":1027.95,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.331754207611084},{"word":"bit","start":1027.95,"end":1028.11,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.30657264590263367},{"word":"of","start":1028.11,"end":1028.19,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.33126115798950195},{"word":"a","start":1028.19,"end":1028.35,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.3231164813041687},{"word":"pullback","start":1028.35,"end":1028.67,"confidence":0.9980469,"punctuated_word":"pullback","sentiment":"negative","sentiment_score":-0.4153074622154236},{"word":"with","start":1028.67,"end":1028.83,"confidence":0.9970703,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.447129100561142},{"word":"the","start":1028.83,"end":1028.99,"confidence":0.99316406,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.34060078859329224},{"word":"changes","start":1028.99,"end":1029.39,"confidence":0.9980469,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.30819299817085266},{"word":"of","start":1029.39,"end":1029.63,"confidence":0.97314453,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2830791473388672},{"word":"legislation","start":1029.63,"end":1030.065,"confidence":0.9448242,"punctuated_word":"legislation","sentiment":"neutral","sentiment_score":-0.31497663259506226},{"word":"at","start":1030.065,"end":1030.225,"confidence":0.9707031,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.3789871335029602},{"word":"the","start":1030.225,"end":1030.3049,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.33014047145843506},{"word":"moment","start":1030.3049,"end":1030.465,"confidence":0.9008789,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.3029443025588989},{"word":"so","start":1030.465,"end":1030.705,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.12675423920154572},{"word":"it","start":1030.705,"end":1030.865,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.14216984808444977},{"word":"is","start":1030.865,"end":1031.0249,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.12962590157985687},{"word":"worth","start":1031.0249,"end":1031.345,"confidence":0.9951172,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":-0.3096785247325897},{"word":"removing","start":1031.345,"end":1031.745,"confidence":0.9970703,"punctuated_word":"removing","sentiment":"neutral","sentiment_score":-0.3201866149902344},{"word":"that","start":1031.745,"end":1031.985,"confidence":0.99902344,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.5073180198669434},{"word":"wholly","start":1031.985,"end":1032.3849,"confidence":0.99316406,"punctuated_word":"wholly","sentiment":"negative","sentiment_score":-0.39126792550086975},{"word":"from","start":1032.3849,"end":1032.5449,"confidence":1.0,"punctuated_word":"from","sentiment":"negative","sentiment_score":-0.41291481256484985},{"word":"your","start":1032.5449,"end":1032.7849,"confidence":0.98535156,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.4426291584968567},{"word":"from","start":1032.7849,"end":1033.105,"confidence":0.7495117,"punctuated_word":"from","sentiment":"negative","sentiment_score":-0.36076638102531433},{"word":"your","start":1033.105,"end":1033.4249,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.26348772644996643},{"word":"portfolio","start":1033.4249,"end":1033.9249,"confidence":0.99658203,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":-0.2256646752357483},{"word":"and","start":1034.5449,"end":1034.7849,"confidence":0.97314453,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.09184029698371889},{"word":"because","start":1034.7849,"end":1035.105,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.0973331704735756},{"word":"we're","start":1035.105,"end":1035.345,"confidence":0.9946289,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.07200075685977936},{"word":"removing","start":1035.345,"end":1035.825,"confidence":0.9970703,"punctuated_word":"removing","sentiment":"neutral","sentiment_score":-0.10194702446460724},{"word":"the","start":1035.825,"end":1036.065,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11980874091386796},{"word":"ben","start":1036.065,"end":1036.225,"confidence":0.7573242,"punctuated_word":"Ben","sentiment":"neutral","sentiment_score":-0.12097086012363434},{"word":"along","start":1036.225,"end":1036.5449,"confidence":0.6928711,"punctuated_word":"along","sentiment":"neutral","sentiment_score":-0.10452037304639816},{"word":"australian","start":1036.5449,"end":1036.945,"confidence":0.99316406,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.11047803610563278},{"word":"equities","start":1036.945,"end":1037.4249,"confidence":0.88151044,"punctuated_word":"equities,","sentiment":"neutral","sentiment_score":-0.07677026093006134},{"word":"we're","start":1037.4249,"end":1037.585,"confidence":0.95703125,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.06433435529470444},{"word":"also","start":1037.585,"end":1037.985,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.082407645881176},{"word":"removing","start":1037.985,"end":1038.465,"confidence":1.0,"punctuated_word":"removing","sentiment":"neutral","sentiment_score":-0.09202275425195694},{"word":"the","start":1038.465,"end":1038.625,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1497952789068222},{"word":"raffy","start":1038.625,"end":1039.0249,"confidence":0.62109375,"punctuated_word":"Raffy","sentiment":"neutral","sentiment_score":-0.1249089241027832},{"word":"a","start":1039.0249,"end":1039.2649,"confidence":0.96240234,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1281680315732956},{"word":"200","start":1039.2649,"end":1039.825,"confidence":0.9995117,"punctuated_word":"200","sentiment":"neutral","sentiment_score":-0.16076481342315674},{"word":"there","start":1039.825,"end":1040.1449,"confidence":0.94750977,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.08731438219547272},{"word":"that","start":1040.1449,"end":1040.225,"confidence":0.99902344,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.21409739553928375},{"word":"investment","start":1040.225,"end":1040.725,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.25432702898979187},{"word":"is","start":1040.865,"end":1041.105,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2573613226413727},{"word":"more","start":1041.105,"end":1041.345,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.20152878761291504},{"word":"it's","start":1041.585,"end":1041.825,"confidence":0.9812012,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.24758951365947723},{"word":"more","start":1041.825,"end":1041.985,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.19765186309814453},{"word":"of","start":1041.985,"end":1042.065,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2098875343799591},{"word":"an","start":1042.065,"end":1042.3049,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.3056807518005371},{"word":"expensive","start":1042.3049,"end":1042.705,"confidence":0.99902344,"punctuated_word":"expensive","sentiment":"neutral","sentiment_score":-0.17938511073589325},{"word":"kind","start":1042.705,"end":1042.945,"confidence":0.7441406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.2882705628871918},{"word":"of","start":1042.945,"end":1043.105,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.3276064991950989},{"word":"investment","start":1043.105,"end":1043.605,"confidence":0.9873047,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.28507891297340393},{"word":"to","start":1043.67,"end":1043.75,"confidence":0.98535156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.23246333003044128},{"word":"have","start":1043.75,"end":1043.91,"confidence":0.9536133,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":-0.16320116817951202},{"word":"and","start":1043.91,"end":1044.15,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.012670129537582396},{"word":"we","start":1044.15,"end":1044.39,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1465267539024353},{"word":"found","start":1044.39,"end":1044.63,"confidence":0.6879883,"punctuated_word":"found","sentiment":"neutral","sentiment_score":0.10787971317768096},{"word":"a","start":1044.63,"end":1044.7101,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11939049512147903},{"word":"way","start":1044.7101,"end":1044.87,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.1622428148984909},{"word":"to","start":1044.87,"end":1045.1901,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12762045860290527},{"word":"provide","start":1045.1901,"end":1045.67,"confidence":0.99316406,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.15698370337486267},{"word":"greater","start":1045.67,"end":1046.0701,"confidence":0.99121094,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.2557656764984131},{"word":"diversification","start":1046.0701,"end":1046.5701,"confidence":1.0,"punctuated_word":"diversification","sentiment":"neutral","sentiment_score":0.2700672149658203},{"word":"to","start":1047.03,"end":1047.1901,"confidence":0.95703125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09939051419496536},{"word":"hold","start":1047.1901,"end":1047.5901,"confidence":0.99902344,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.1914583295583725},{"word":"australian","start":1047.5901,"end":1048.0901,"confidence":0.9941406,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.06459808349609375},{"word":"equities","start":1048.15,"end":1048.65,"confidence":0.93863934,"punctuated_word":"equities,","sentiment":"neutral","sentiment_score":0.16702285408973694},{"word":"but","start":1049.27,"end":1049.43,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.1296792030334473},{"word":"also","start":1049.43,"end":1049.8301,"confidence":0.9658203,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.2145829796791077},{"word":"make","start":1049.8301,"end":1049.99,"confidence":0.9980469,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.187385231256485},{"word":"your","start":1049.99,"end":1050.2301,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19882285594940183},{"word":"portfolio","start":1050.2301,"end":1050.7301,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.09409065544605257},{"word":"cheaper","start":1051.03,"end":1051.43,"confidence":0.99902344,"punctuated_word":"cheaper","sentiment":"neutral","sentiment_score":0.2713657319545746},{"word":"for","start":1051.43,"end":1051.67,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15678945183753967},{"word":"you","start":1051.67,"end":1051.91,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0905625820159912},{"word":"as","start":1051.91,"end":1052.0701,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1318059265613556},{"word":"well","start":1052.0701,"end":1052.39,"confidence":0.9885254,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.014115024358034134},{"word":"so","start":1052.39,"end":1052.55,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.036272939294576645},{"word":"we're","start":1052.55,"end":1052.79,"confidence":0.99902344,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.05961443111300469},{"word":"gonna","start":1052.79,"end":1053.1901,"confidence":0.96533203,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.05844424292445183},{"word":"sell","start":1053.1901,"end":1053.43,"confidence":0.98828125,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.07640467584133148},{"word":"that","start":1053.43,"end":1053.67,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1031186431646347},{"word":"investment","start":1053.67,"end":1054.17,"confidence":1.0,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.1110961139202118},{"word":"down","start":1054.2301,"end":1054.7301,"confidence":0.9995117,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":-0.026840873062610623},{"word":"okay","start":1054.79,"end":1055.29,"confidence":0.9785156,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.00652757752686739},{"word":"once","start":1057.095,"end":1057.415,"confidence":0.98535156,"punctuated_word":"Once","sentiment":"neutral","sentiment_score":0.05345117673277855},{"word":"we","start":1057.415,"end":1057.575,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06198691949248314},{"word":"complete","start":1057.575,"end":1057.975,"confidence":1.0,"punctuated_word":"complete","sentiment":"neutral","sentiment_score":0.11766454577445984},{"word":"all","start":1057.975,"end":1058.215,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1658485233783722},{"word":"of","start":1058.215,"end":1058.375,"confidence":0.97509766,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13078266382217407},{"word":"those","start":1058.375,"end":1058.6951,"confidence":0.99609375,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.1460893601179123},{"word":"sales","start":1058.6951,"end":1059.1951,"confidence":0.92700195,"punctuated_word":"sales,","sentiment":"neutral","sentiment_score":0.084168940782547},{"word":"we'll","start":1059.415,"end":1059.735,"confidence":0.9741211,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.08636229485273361},{"word":"still","start":1059.735,"end":1060.055,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.07262901961803436},{"word":"hold","start":1060.055,"end":1060.375,"confidence":1.0,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.07947690039873123},{"word":"about","start":1060.375,"end":1060.6951,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.08312936127185822},{"word":"7%","start":1060.6951,"end":1061.335,"confidence":0.9995117,"punctuated_word":"7%","sentiment":"neutral","sentiment_score":0.10884872823953629},{"word":"of","start":1061.335,"end":1061.575,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.072677381336689},{"word":"physical","start":1061.575,"end":1062.055,"confidence":0.99609375,"punctuated_word":"physical","sentiment":"neutral","sentiment_score":0.06735950708389282},{"word":"gold","start":1062.055,"end":1062.535,"confidence":0.9501953,"punctuated_word":"gold.","sentiment":"neutral","sentiment_score":0.08102872967720032},{"word":"we'll","start":1062.535,"end":1062.775,"confidence":1.0,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.1024334281682968},{"word":"still","start":1062.775,"end":1063.015,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.09196993708610536},{"word":"hold","start":1063.015,"end":1063.335,"confidence":1.0,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.10272707045078278},{"word":"about","start":1063.335,"end":1063.655,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.09494762122631072},{"word":"6%","start":1063.655,"end":1064.215,"confidence":0.99902344,"punctuated_word":"6%","sentiment":"neutral","sentiment_score":0.09613221883773804},{"word":"in","start":1064.215,"end":1064.455,"confidence":0.6347656,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.09374114871025084},{"word":"cybersecurity","start":1064.455,"end":1064.955,"confidence":0.9313965,"punctuated_word":"cybersecurity.","sentiment":"neutral","sentiment_score":0.07864829897880554},{"word":"we'll","start":1065.575,"end":1065.895,"confidence":1.0,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.12735196948051453},{"word":"still","start":1065.895,"end":1066.135,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.12119118124246596},{"word":"hold","start":1066.135,"end":1066.375,"confidence":0.99902344,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.11829188466072084},{"word":"about","start":1066.375,"end":1066.775,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.13292793929576874},{"word":"35%","start":1066.775,"end":1067.575,"confidence":0.9980469,"punctuated_word":"35%","sentiment":"neutral","sentiment_score":0.13803403079509735},{"word":"of","start":1067.575,"end":1067.735,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11800961941480637},{"word":"the","start":1067.735,"end":1067.895,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12462787330150604},{"word":"s","start":1067.895,"end":1068.135,"confidence":0.5390625,"punctuated_word":"s","sentiment":"neutral","sentiment_score":0.12433800101280212},{"word":"and","start":1068.135,"end":1068.215,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08468222618103027},{"word":"p","start":1068.215,"end":1068.455,"confidence":0.9941406,"punctuated_word":"p","sentiment":"neutral","sentiment_score":0.1089496985077858},{"word":"500","start":1068.455,"end":1069.1951,"confidence":0.96032715,"punctuated_word":"500,","sentiment":"neutral","sentiment_score":0.1182274967432022},{"word":"and","start":1069.255,"end":1069.495,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1032591387629509},{"word":"we're","start":1069.495,"end":1069.655,"confidence":0.99853516,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.1060616597533226},{"word":"gonna","start":1069.655,"end":1069.975,"confidence":0.9892578,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.1021033227443695},{"word":"buy","start":1069.975,"end":1070.215,"confidence":0.9970703,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.0941748172044754},{"word":"into","start":1070.215,"end":1070.455,"confidence":0.9902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.08966546505689621},{"word":"some","start":1070.455,"end":1070.88,"confidence":0.9838867,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.10140286386013032},{"word":"europe","start":1070.88,"end":1071.12,"confidence":0.85839844,"punctuated_word":"Europe","sentiment":"neutral","sentiment_score":0.08532838523387909},{"word":"and","start":1071.12,"end":1071.36,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09893681108951569},{"word":"japanese","start":1071.36,"end":1071.86,"confidence":1.0,"punctuated_word":"Japanese","sentiment":"neutral","sentiment_score":0.07740423083305359},{"word":"exposure","start":1072.0,"end":1072.48,"confidence":0.6828613,"punctuated_word":"exposure.","sentiment":"neutral","sentiment_score":0.09269226342439651},{"word":"so","start":1072.48,"end":1072.72,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10940412431955338},{"word":"you","start":1072.72,"end":1072.8,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1064586490392685},{"word":"hold","start":1072.8,"end":1073.28,"confidence":0.6254883,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.12259290367364883},{"word":"9%","start":1073.28,"end":1074.08,"confidence":1.0,"punctuated_word":"9%","sentiment":"neutral","sentiment_score":0.14297212660312653},{"word":"of","start":1074.08,"end":1074.32,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12188317626714706},{"word":"european","start":1074.32,"end":1074.82,"confidence":1.0,"punctuated_word":"European","sentiment":"neutral","sentiment_score":0.13480277359485626},{"word":"and","start":1075.28,"end":1075.4401,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11303578317165376},{"word":"5%","start":1075.4401,"end":1076.08,"confidence":0.9995117,"punctuated_word":"5%","sentiment":"neutral","sentiment_score":0.1436079740524292},{"word":"of","start":1076.08,"end":1076.32,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14147503674030304},{"word":"japanese","start":1076.32,"end":1076.82,"confidence":0.9995117,"punctuated_word":"Japanese.","sentiment":"neutral","sentiment_score":0.12496227025985718},{"word":"the","start":1077.2,"end":1077.36,"confidence":0.94189453,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.23478060960769653},{"word":"europe","start":1077.36,"end":1077.76,"confidence":0.99316406,"punctuated_word":"Europe","sentiment":"neutral","sentiment_score":0.2441582083702087},{"word":"exposure","start":1077.76,"end":1078.24,"confidence":1.0,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.16884303092956543},{"word":"is","start":1078.24,"end":1078.4,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.26062700152397156},{"word":"giving","start":1078.4,"end":1078.64,"confidence":1.0,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.2557012438774109},{"word":"you","start":1078.64,"end":1078.88,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2589741051197052},{"word":"access","start":1078.88,"end":1079.36,"confidence":0.99902344,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.2750518023967743},{"word":"to","start":1079.36,"end":1079.52,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.30887719988822937},{"word":"all","start":1079.52,"end":1079.76,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.24543951451778412},{"word":"16","start":1079.76,"end":1080.26,"confidence":0.9921875,"punctuated_word":"16","sentiment":"neutral","sentiment_score":0.25976142287254333},{"word":"european","start":1080.32,"end":1080.82,"confidence":0.9980469,"punctuated_word":"European","sentiment":"neutral","sentiment_score":0.2624994218349457},{"word":"countries","start":1080.88,"end":1081.2,"confidence":0.80566406,"punctuated_word":"countries.","sentiment":"neutral","sentiment_score":0.24362915754318237},{"word":"they're","start":1081.2,"end":1081.4401,"confidence":0.9279785,"punctuated_word":"They're","sentiment":"positive","sentiment_score":0.518284797668457},{"word":"giving","start":1081.4401,"end":1081.6,"confidence":1.0,"punctuated_word":"giving","sentiment":"positive","sentiment_score":0.5855527520179749},{"word":"you","start":1081.6,"end":1081.84,"confidence":0.99609375,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.584523618221283},{"word":"great","start":1081.84,"end":1082.16,"confidence":0.67578125,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.6078043580055237},{"word":"diversification","start":1082.16,"end":1082.66,"confidence":0.98339844,"punctuated_word":"diversification","sentiment":"positive","sentiment_score":0.5503429770469666},{"word":"across","start":1083.235,"end":1083.5549,"confidence":1.0,"punctuated_word":"across","sentiment":"positive","sentiment_score":0.5455755591392517},{"word":"the","start":1083.5549,"end":1083.635,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5512895584106445},{"word":"globe","start":1083.635,"end":1084.135,"confidence":0.8977051,"punctuated_word":"globe,","sentiment":"positive","sentiment_score":0.5101458430290222},{"word":"and","start":1084.355,"end":1084.755,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5044844746589661},{"word":"japan","start":1084.755,"end":1085.1549,"confidence":1.0,"punctuated_word":"Japan","sentiment":"positive","sentiment_score":0.5771087408065796},{"word":"has","start":1085.1549,"end":1085.3949,"confidence":0.99902344,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.512231707572937},{"word":"seen","start":1085.3949,"end":1085.635,"confidence":0.98291016,"punctuated_word":"seen","sentiment":"positive","sentiment_score":0.5255243182182312},{"word":"some","start":1085.635,"end":1085.7949,"confidence":1.0,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.5151482820510864},{"word":"really","start":1085.7949,"end":1086.0349,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5725712776184082},{"word":"good","start":1086.0349,"end":1086.2749,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.5567485690116882},{"word":"growth","start":1086.2749,"end":1086.595,"confidence":1.0,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.5865451693534851},{"word":"there","start":1086.595,"end":1086.755,"confidence":0.9970703,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.544016420841217},{"word":"as","start":1086.755,"end":1086.9149,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4204493761062622},{"word":"well","start":1086.9149,"end":1087.235,"confidence":0.83984375,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.40402185916900635},{"word":"so","start":1087.235,"end":1087.3949,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.20393317937850952},{"word":"we","start":1087.3949,"end":1087.5549,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.19612319767475128},{"word":"wanna","start":1087.5549,"end":1087.875,"confidence":0.98828125,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.19646969437599185},{"word":"hold","start":1087.875,"end":1088.195,"confidence":0.99902344,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.22346724569797516},{"word":"5%","start":1088.195,"end":1088.835,"confidence":0.9995117,"punctuated_word":"5%","sentiment":"neutral","sentiment_score":0.2434702217578888},{"word":"of","start":1088.835,"end":1088.995,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.24068590998649597},{"word":"that","start":1088.995,"end":1089.495,"confidence":1.0,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.22204609215259552},{"word":"on","start":1090.5149,"end":1090.6749,"confidence":0.7495117,"punctuated_word":"On","sentiment":"neutral","sentiment_score":0.0983256921172142},{"word":"the","start":1090.6749,"end":1090.835,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06791335344314575},{"word":"next","start":1090.835,"end":1091.1549,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.06363015621900558},{"word":"page","start":1091.1549,"end":1091.475,"confidence":0.98217773,"punctuated_word":"page,","sentiment":"neutral","sentiment_score":0.05624646693468094},{"word":"if","start":1091.475,"end":1091.635,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.04890282452106476},{"word":"you","start":1091.635,"end":1091.875,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03339431807398796},{"word":"scroll","start":1091.875,"end":1092.195,"confidence":0.99902344,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.022106662392616272},{"word":"down","start":1092.195,"end":1092.4349,"confidence":0.99853516,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":0.02833840809762478},{"word":"you'll","start":1092.4349,"end":1092.755,"confidence":0.99902344,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.022206461057066917},{"word":"see","start":1092.755,"end":1092.9149,"confidence":0.9980469,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.02170218899846077},{"word":"the","start":1092.9149,"end":1093.075,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.019556300714612007},{"word":"vanguard","start":1093.075,"end":1093.575,"confidence":0.9873047,"punctuated_word":"Vanguard","sentiment":"neutral","sentiment_score":0.0221218504011631},{"word":"or","start":1093.715,"end":1093.955,"confidence":0.30737305,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.02404463104903698},{"word":"world","start":1093.955,"end":1094.355,"confidence":0.7841797,"punctuated_word":"World","sentiment":"neutral","sentiment_score":0.028904497623443604},{"word":"ex","start":1094.355,"end":1094.835,"confidence":0.47314453,"punctuated_word":"ex","sentiment":"neutral","sentiment_score":0.0334034264087677},{"word":"us","start":1094.835,"end":1095.1549,"confidence":0.9916992,"punctuated_word":"US.","sentiment":"neutral","sentiment_score":0.01959753967821598},{"word":"so","start":1095.1549,"end":1095.315,"confidence":0.9741211,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0350179597735405},{"word":"this","start":1095.315,"end":1095.475,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.03923603519797325},{"word":"is","start":1095.475,"end":1095.715,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04156535118818283},{"word":"essentially","start":1095.715,"end":1096.215,"confidence":0.96972656,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.04170378297567368},{"word":"giving","start":1096.2749,"end":1096.5149,"confidence":0.984375,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.0600801557302475},{"word":"you","start":1096.5149,"end":1096.6749,"confidence":0.94628906,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.053807273507118225},{"word":"exposure","start":1096.6749,"end":1097.04,"confidence":0.6928711,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.07467376440763474},{"word":"to","start":1097.12,"end":1097.36,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08899460732936859},{"word":"the","start":1097.36,"end":1097.52,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07882218062877655},{"word":"entire","start":1097.52,"end":1098.02,"confidence":1.0,"punctuated_word":"entire","sentiment":"neutral","sentiment_score":0.07532317191362381},{"word":"globe","start":1098.0801,"end":1098.5801,"confidence":0.9941406,"punctuated_word":"globe","sentiment":"neutral","sentiment_score":0.062065016478300095},{"word":"minus","start":1098.64,"end":1099.04,"confidence":0.94384766,"punctuated_word":"minus","sentiment":"neutral","sentiment_score":0.04594291001558304},{"word":"the","start":1099.04,"end":1099.36,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.0201956070959568},{"word":"us","start":1099.36,"end":1099.68,"confidence":1.0,"punctuated_word":"US","sentiment":"neutral","sentiment_score":0.015868179500102997},{"word":"market","start":1099.68,"end":1100.18,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.0721893459558487},{"word":"because","start":1100.48,"end":1100.8,"confidence":0.8222656,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.08154431730508804},{"word":"we","start":1100.8,"end":1100.88,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10260139405727386},{"word":"have","start":1100.88,"end":1101.12,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09854494035243988},{"word":"the","start":1101.12,"end":1101.28,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09323334693908691},{"word":"s","start":1101.28,"end":1101.4401,"confidence":0.7841797,"punctuated_word":"S","sentiment":"neutral","sentiment_score":0.1021132618188858},{"word":"and","start":1101.4401,"end":1101.52,"confidence":0.9892578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07879465073347092},{"word":"p","start":1101.52,"end":1101.8401,"confidence":1.0,"punctuated_word":"P","sentiment":"neutral","sentiment_score":0.0921788141131401},{"word":"500","start":1101.8401,"end":1102.56,"confidence":0.9995117,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.110548734664917},{"word":"above","start":1102.56,"end":1102.8,"confidence":1.0,"punctuated_word":"above","sentiment":"neutral","sentiment_score":0.1014157384634018},{"word":"there","start":1102.8,"end":1103.3,"confidence":0.6933594,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.09402813762426376},{"word":"and","start":1103.52,"end":1103.68,"confidence":0.58691406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.14135272800922394},{"word":"this","start":1103.68,"end":1103.8401,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.19193831086158752},{"word":"is","start":1103.8401,"end":1104.0801,"confidence":0.9902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2169528007507324},{"word":"giving","start":1104.0801,"end":1104.3201,"confidence":1.0,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.26767319440841675},{"word":"you","start":1104.3201,"end":1104.56,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2126406282186508},{"word":"greater","start":1104.56,"end":1105.04,"confidence":0.8100586,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.20233571529388428},{"word":"diversification","start":1105.04,"end":1105.54,"confidence":1.0,"punctuated_word":"diversification","sentiment":"neutral","sentiment_score":0.29548031091690063},{"word":"in","start":1106.0,"end":1106.16,"confidence":0.98535156,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.28327232599258423},{"word":"a","start":1106.16,"end":1106.24,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2738201320171356},{"word":"cost","start":1106.24,"end":1106.56,"confidence":1.0,"punctuated_word":"cost","sentiment":"positive","sentiment_score":0.33497607707977295},{"word":"effective","start":1106.56,"end":1107.06,"confidence":0.9980469,"punctuated_word":"effective","sentiment":"neutral","sentiment_score":0.24410302937030792},{"word":"investment","start":1107.2001,"end":1107.7001,"confidence":0.9770508,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":0.19099625945091248},{"word":"and","start":1107.76,"end":1107.92,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1616715043783188},{"word":"we","start":1107.92,"end":1108.0801,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17212963104248047},{"word":"wanna","start":1108.0801,"end":1108.4,"confidence":0.9892578,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1936689019203186},{"word":"hold","start":1108.4,"end":1108.7201,"confidence":0.99902344,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.1876620203256607},{"word":"8%","start":1108.7201,"end":1109.4401,"confidence":0.99658203,"punctuated_word":"8%","sentiment":"neutral","sentiment_score":0.2625117301940918},{"word":"of","start":1109.4401,"end":1109.6001,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23360370099544525},{"word":"that","start":1109.6001,"end":1109.92,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20664528012275696},{"word":"for","start":1109.92,"end":1110.0801,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1426733434200287},{"word":"you","start":1110.0801,"end":1110.5801,"confidence":0.9975586,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.1314612776041031},{"word":"we","start":1111.28,"end":1111.4401,"confidence":0.95410156,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.025767367333173752},{"word":"still","start":1111.4401,"end":1111.76,"confidence":0.98291016,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.01197010651230812},{"word":"need","start":1111.76,"end":1111.8401,"confidence":0.98291016,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.02543724700808525},{"word":"to","start":1111.8401,"end":1112.205,"confidence":0.9199219,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.002616673707962036},{"word":"some","start":1112.365,"end":1112.6849,"confidence":0.984375,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.0015469230711460114},{"word":"australian","start":1112.6849,"end":1113.1849,"confidence":0.9951172,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.02191472053527832},{"word":"exposure","start":1113.4049,"end":1113.885,"confidence":0.97143555,"punctuated_word":"exposure,","sentiment":"neutral","sentiment_score":-0.019275255501270298},{"word":"and","start":1113.885,"end":1114.0449,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.020183473825454712},{"word":"we","start":1114.0449,"end":1114.2849,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.023114733397960663},{"word":"are","start":1114.2849,"end":1114.5249,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.018521368503570557},{"word":"removing","start":1114.5249,"end":1114.9249,"confidence":1.0,"punctuated_word":"removing","sentiment":"neutral","sentiment_score":-0.02853835746645927},{"word":"the","start":1114.9249,"end":1115.085,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06407065689563751},{"word":"rafi","start":1115.085,"end":1115.565,"confidence":0.58374023,"punctuated_word":"Rafi","sentiment":"neutral","sentiment_score":-0.05704204365611077},{"word":"plus","start":1115.565,"end":1115.965,"confidence":0.97998047,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":-0.1021888181567192},{"word":"the","start":1115.965,"end":1116.0449,"confidence":0.9707031,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10008664429187776},{"word":"benelon","start":1116.0449,"end":1116.5249,"confidence":0.7561035,"punctuated_word":"Benelon","sentiment":"neutral","sentiment_score":-0.06666210293769836},{"word":"because","start":1116.5249,"end":1116.845,"confidence":0.9223633,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.04060552269220352},{"word":"the","start":1116.845,"end":1117.005,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07858274132013321},{"word":"benelon","start":1117.005,"end":1117.4049,"confidence":0.99609375,"punctuated_word":"Benelon","sentiment":"neutral","sentiment_score":-0.11345131695270538},{"word":"has","start":1117.4049,"end":1117.565,"confidence":0.8276367,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.1473686397075653},{"word":"been","start":1117.565,"end":1117.8049,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.16070622205734253},{"word":"underperforming","start":1117.8049,"end":1118.3049,"confidence":0.8277995,"punctuated_word":"underperforming,","sentiment":"neutral","sentiment_score":-0.07121138274669647},{"word":"and","start":1119.005,"end":1119.1649,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.002627544105052948},{"word":"we're","start":1119.1649,"end":1119.325,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.021102240309119225},{"word":"gonna","start":1119.325,"end":1119.6449,"confidence":0.99316406,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.019482003524899483},{"word":"hold","start":1119.6449,"end":1119.885,"confidence":0.99902344,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.03504926338791847},{"word":"the","start":1119.885,"end":1120.0449,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03459210693836212},{"word":"beta","start":1120.0449,"end":1120.445,"confidence":0.51904297,"punctuated_word":"beta","sentiment":"neutral","sentiment_score":0.05145610123872757},{"word":"shares","start":1120.445,"end":1120.845,"confidence":0.98095703,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.02361392229795456},{"word":"a","start":1120.845,"end":1121.085,"confidence":0.9741211,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04236968606710434},{"word":"200","start":1121.085,"end":1121.725,"confidence":0.99975586,"punctuated_word":"200.","sentiment":"neutral","sentiment_score":0.05114218220114708},{"word":"this","start":1121.725,"end":1121.965,"confidence":1.0,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.11539025604724884},{"word":"is","start":1121.965,"end":1122.125,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12169839441776276},{"word":"giving","start":1122.125,"end":1122.445,"confidence":1.0,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.12524718046188354},{"word":"you","start":1122.445,"end":1122.6849,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09341408312320708},{"word":"exposure","start":1122.6849,"end":1123.085,"confidence":0.67822266,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.10089873522520064},{"word":"to","start":1123.085,"end":1123.325,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12563148140907288},{"word":"the","start":1123.325,"end":1123.485,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1229621395468712},{"word":"top","start":1123.485,"end":1123.8049,"confidence":0.99902344,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.16024956107139587},{"word":"200","start":1123.8049,"end":1124.365,"confidence":0.99853516,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.1404835730791092},{"word":"companies","start":1124.365,"end":1124.845,"confidence":0.99609375,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.08858425915241241},{"word":"on","start":1124.845,"end":1125.3,"confidence":0.96533203,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1144675463438034},{"word":"asx","start":1125.54,"end":1126.04,"confidence":0.8616536,"punctuated_word":"ASX,","sentiment":"neutral","sentiment_score":0.12299707531929016},{"word":"and","start":1126.5,"end":1126.66,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11277886480093002},{"word":"we","start":1126.66,"end":1126.9,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10393859446048737},{"word":"wanna","start":1126.9,"end":1127.14,"confidence":0.9892578,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1243363991379738},{"word":"hold","start":1127.14,"end":1127.54,"confidence":1.0,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.1480834186077118},{"word":"25%","start":1127.54,"end":1128.42,"confidence":0.9996745,"punctuated_word":"25%","sentiment":"neutral","sentiment_score":0.18794193863868713},{"word":"of","start":1128.42,"end":1128.5801,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12206222862005234},{"word":"that","start":1128.5801,"end":1128.8201,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14960920810699463},{"word":"investment","start":1128.8201,"end":1129.3201,"confidence":0.9951172,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.05883897468447685},{"word":"for","start":1129.4601,"end":1129.62,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12008967995643616},{"word":"you","start":1129.62,"end":1130.12,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.0947730466723442},{"word":"one","start":1130.66,"end":1130.9,"confidence":0.71191406,"punctuated_word":"One","sentiment":"positive","sentiment_score":0.458764135837555},{"word":"of","start":1130.9,"end":1130.9801,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4449552893638611},{"word":"the","start":1130.9801,"end":1131.14,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5293633937835693},{"word":"cool","start":1131.14,"end":1131.38,"confidence":0.99902344,"punctuated_word":"cool","sentiment":"positive","sentiment_score":0.5653354525566101},{"word":"things","start":1131.38,"end":1131.62,"confidence":0.9765625,"punctuated_word":"things,","sentiment":"positive","sentiment_score":0.5682164430618286},{"word":"the","start":1131.62,"end":1131.8601,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6298347115516663},{"word":"a","start":1131.8601,"end":1132.1001,"confidence":0.9970703,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6256214380264282},{"word":"200","start":1132.1001,"end":1132.66,"confidence":1.0,"punctuated_word":"200","sentiment":"positive","sentiment_score":0.539344310760498},{"word":"actually","start":1132.66,"end":1132.9,"confidence":0.92089844,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.5410616397857666},{"word":"is","start":1132.9,"end":1133.14,"confidence":0.9941406,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5283806324005127},{"word":"a","start":1133.14,"end":1133.2201,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.613710880279541},{"word":"very","start":1133.2201,"end":1133.54,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.6755542755126953},{"word":"good","start":1133.54,"end":1133.78,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6483346819877625},{"word":"dividend","start":1133.78,"end":1134.28,"confidence":1.0,"punctuated_word":"dividend","sentiment":"positive","sentiment_score":0.6332885026931763},{"word":"pay","start":1134.3401,"end":1134.5801,"confidence":0.90527344,"punctuated_word":"pay.","sentiment":"positive","sentiment_score":0.5913978815078735},{"word":"it's","start":1134.5801,"end":1134.8201,"confidence":1.0,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.5506638288497925},{"word":"one","start":1134.8201,"end":1134.9801,"confidence":1.0,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.49767524003982544},{"word":"of","start":1134.9801,"end":1135.14,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5436477065086365},{"word":"the","start":1135.14,"end":1135.3,"confidence":0.9970703,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5717971920967102},{"word":"highest","start":1135.3,"end":1135.62,"confidence":1.0,"punctuated_word":"highest","sentiment":"positive","sentiment_score":0.6271017789840698},{"word":"dividend","start":1135.62,"end":1136.1001,"confidence":1.0,"punctuated_word":"dividend","sentiment":"positive","sentiment_score":0.6215587258338928},{"word":"paying","start":1136.1001,"end":1136.5,"confidence":0.99902344,"punctuated_word":"paying","sentiment":"positive","sentiment_score":0.5979393124580383},{"word":"australian","start":1136.5,"end":1137.0,"confidence":0.9970703,"punctuated_word":"Australian","sentiment":"positive","sentiment_score":0.6311777830123901},{"word":"stocks","start":1137.7949,"end":1138.2949,"confidence":0.85546875,"punctuated_word":"stocks.","sentiment":"positive","sentiment_score":0.5409271717071533},{"word":"so","start":1138.595,"end":1138.9149,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.578837513923645},{"word":"it'll","start":1138.9149,"end":1139.315,"confidence":0.8959961,"punctuated_word":"it'll","sentiment":"positive","sentiment_score":0.7140917778015137},{"word":"be","start":1139.315,"end":1139.475,"confidence":0.99609375,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.7247573733329773},{"word":"good","start":1139.475,"end":1139.715,"confidence":0.9628906,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.6575441360473633},{"word":"it'll","start":1139.715,"end":1139.955,"confidence":0.99658203,"punctuated_word":"It'll","sentiment":"positive","sentiment_score":0.6015931367874146},{"word":"help","start":1139.955,"end":1140.2749,"confidence":0.99902344,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.6372316479682922},{"word":"you","start":1140.2749,"end":1140.4349,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6194714307785034},{"word":"with","start":1140.4349,"end":1140.6749,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.6317195892333984},{"word":"a","start":1140.6749,"end":1140.7549,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5771819353103638},{"word":"bit","start":1140.7549,"end":1140.995,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.5733214616775513},{"word":"of","start":1140.995,"end":1141.1549,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5828132033348083},{"word":"income","start":1141.1549,"end":1141.475,"confidence":0.9819336,"punctuated_word":"income","sentiment":"positive","sentiment_score":0.7008268237113953},{"word":"producing","start":1141.475,"end":1141.955,"confidence":0.9941406,"punctuated_word":"producing","sentiment":"positive","sentiment_score":0.5612626671791077},{"word":"within","start":1141.955,"end":1142.2749,"confidence":1.0,"punctuated_word":"within","sentiment":"positive","sentiment_score":0.5330568552017212},{"word":"your","start":1142.2749,"end":1142.5149,"confidence":0.9980469,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5777121782302856},{"word":"portfolio","start":1142.5149,"end":1143.0149,"confidence":0.9567871,"punctuated_word":"portfolio,","sentiment":"positive","sentiment_score":0.5196523666381836},{"word":"but","start":1143.6349,"end":1143.7949,"confidence":0.9248047,"punctuated_word":"but","sentiment":"positive","sentiment_score":0.43981292843818665},{"word":"it's","start":1143.7949,"end":1143.955,"confidence":1.0,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.44927865266799927},{"word":"also","start":1143.955,"end":1144.195,"confidence":1.0,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.49119412899017334},{"word":"a","start":1144.195,"end":1144.355,"confidence":0.9921875,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.431061178445816},{"word":"much","start":1144.355,"end":1144.6749,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.5028990507125854},{"word":"cheaper","start":1144.6749,"end":1144.995,"confidence":1.0,"punctuated_word":"cheaper","sentiment":"positive","sentiment_score":0.5361263155937195},{"word":"option","start":1144.995,"end":1145.475,"confidence":0.99902344,"punctuated_word":"option","sentiment":"positive","sentiment_score":0.3635985255241394},{"word":"to","start":1145.475,"end":1145.6349,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.43325188755989075},{"word":"hold","start":1145.6349,"end":1146.1349,"confidence":1.0,"punctuated_word":"hold","sentiment":"positive","sentiment_score":0.3724946975708008},{"word":"australian","start":1146.195,"end":1146.6749,"confidence":0.99902344,"punctuated_word":"Australian","sentiment":"positive","sentiment_score":0.3689145743846894},{"word":"equities","start":1146.6749,"end":1147.1749,"confidence":0.98535156,"punctuated_word":"equities","sentiment":"positive","sentiment_score":0.3954014778137207},{"word":"for","start":1147.315,"end":1147.475,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4643824100494385},{"word":"you","start":1147.475,"end":1147.975,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.3954923450946808},{"word":"okay","start":1148.115,"end":1148.615,"confidence":0.9855957,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.1959343254566193},{"word":"and","start":1150.26,"end":1150.42,"confidence":0.97265625,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.16814379394054413},{"word":"then","start":1150.42,"end":1150.5801,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.16542811691761017},{"word":"we've","start":1150.5801,"end":1150.8201,"confidence":0.9995117,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.14198818802833557},{"word":"got","start":1150.8201,"end":1151.14,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.16620808839797974},{"word":"core","start":1151.14,"end":1151.4601,"confidence":0.9902344,"punctuated_word":"core","sentiment":"neutral","sentiment_score":0.1346900761127472},{"word":"composite","start":1151.4601,"end":1151.9601,"confidence":0.99121094,"punctuated_word":"composite","sentiment":"neutral","sentiment_score":0.18118935823440552},{"word":"bonds","start":1152.02,"end":1152.3401,"confidence":0.80688477,"punctuated_word":"bonds.","sentiment":"neutral","sentiment_score":0.05250655487179756},{"word":"so","start":1152.3401,"end":1152.5801,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09853294491767885},{"word":"it's","start":1152.5801,"end":1152.9,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.16856124997138977},{"word":"important","start":1152.9,"end":1153.3,"confidence":1.0,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.11654489487409592},{"word":"that","start":1153.3,"end":1153.38,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19346441328525543},{"word":"we","start":1153.38,"end":1153.62,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.18765383958816528},{"word":"have","start":1153.62,"end":1153.9401,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2270052433013916},{"word":"defensive","start":1153.9401,"end":1154.4401,"confidence":0.9980469,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.10744524002075195},{"word":"investments","start":1154.5,"end":1155.0,"confidence":0.9951172,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.11816032975912094},{"word":"with","start":1155.14,"end":1155.38,"confidence":0.5649414,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.24338936805725095},{"word":"the","start":1155.38,"end":1155.54,"confidence":0.97509766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2535797357559204},{"word":"high","start":1155.54,"end":1155.78,"confidence":0.99902344,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.2061130404472351},{"word":"growth","start":1155.78,"end":1156.18,"confidence":0.99902344,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.24403168261051175},{"word":"environment","start":1156.18,"end":1156.68,"confidence":0.99902344,"punctuated_word":"environment","sentiment":"positive","sentiment_score":0.3776615560054779},{"word":"you","start":1156.74,"end":1156.98,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2540343999862671},{"word":"wanna","start":1156.98,"end":1157.3,"confidence":0.98828125,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.25073695182800293},{"word":"be","start":1157.3,"end":1157.38,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2136746346950531},{"word":"in","start":1157.38,"end":1157.62,"confidence":0.9394531,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.16531920433044434},{"word":"we","start":1157.62,"end":1157.78,"confidence":0.9970703,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.10714849829673768},{"word":"only","start":1157.78,"end":1158.1,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.13980448246002197},{"word":"wanna","start":1158.1,"end":1158.42,"confidence":0.97509766,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.16542811691761017},{"word":"hold","start":1158.42,"end":1158.74,"confidence":0.99902344,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.16693025827407837},{"word":"about","start":1158.74,"end":1159.24,"confidence":0.74658203,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.118189699947834},{"word":"sort","start":1159.4601,"end":1159.62,"confidence":0.80908203,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.10605375468730928},{"word":"of","start":1159.62,"end":1159.78,"confidence":0.98095703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1454884558916092},{"word":"five","start":1159.78,"end":1160.1,"confidence":0.99609375,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.14724242687225342},{"word":"to","start":1160.1,"end":1160.26,"confidence":0.94628906,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07860244810581207},{"word":"10%","start":1160.26,"end":1160.9,"confidence":1.0,"punctuated_word":"10%","sentiment":"neutral","sentiment_score":0.1855572909116745},{"word":"of","start":1160.9,"end":1161.14,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18858876824378967},{"word":"defensive","start":1161.14,"end":1161.64,"confidence":0.99609375,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.10753796994686128},{"word":"investments","start":1161.78,"end":1162.28,"confidence":0.9770508,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.10404999554157256},{"word":"the","start":1162.5801,"end":1162.74,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.104862280189991},{"word":"idea","start":1162.74,"end":1163.06,"confidence":0.9980469,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":0.14715048670768738},{"word":"is","start":1163.06,"end":1163.22,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1744520217180252},{"word":"we","start":1163.22,"end":1163.3,"confidence":0.99316406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.19401869177818296},{"word":"have","start":1163.3,"end":1163.54,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2223218530416489},{"word":"most","start":1163.54,"end":1163.78,"confidence":0.9980469,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.1815516501665115},{"word":"of","start":1163.78,"end":1163.9401,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19999751448631287},{"word":"our","start":1163.9401,"end":1164.195,"confidence":0.99902344,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.19138947129249573},{"word":"money","start":1164.2749,"end":1164.4349,"confidence":0.9970703,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.1925241053104401},{"word":"sitting","start":1164.4349,"end":1164.6749,"confidence":0.9970703,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.2393849790096283},{"word":"in","start":1164.6749,"end":1164.9149,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.18155218660831451},{"word":"those","start":1164.9149,"end":1165.1549,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.17084413766860962},{"word":"growth","start":1165.1549,"end":1165.3949,"confidence":0.96240234,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.16384699940681458},{"word":"investments","start":1165.3949,"end":1165.8949,"confidence":0.99902344,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.11799091100692748},{"word":"trying","start":1166.0349,"end":1166.2749,"confidence":0.92333984,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.19066432118415833},{"word":"to","start":1166.2749,"end":1166.4349,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17090626060962677},{"word":"obtain","start":1166.4349,"end":1166.835,"confidence":0.99609375,"punctuated_word":"obtain","sentiment":"neutral","sentiment_score":0.17013734579086304},{"word":"greater","start":1166.835,"end":1167.315,"confidence":0.99121094,"punctuated_word":"greater","sentiment":"neutral","sentiment_score":0.18331800401210785},{"word":"growth","start":1167.315,"end":1167.715,"confidence":0.99121094,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.2561212182044983},{"word":"there","start":1167.715,"end":1168.215,"confidence":0.8876953,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.17394208908081055},{"word":"so","start":1168.5149,"end":1168.755,"confidence":0.61816406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12024566531181335},{"word":"we're","start":1168.755,"end":1168.995,"confidence":0.9951172,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.1945796012878418},{"word":"just","start":1168.995,"end":1169.235,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1991286277770996},{"word":"holding","start":1169.235,"end":1169.6349,"confidence":1.0,"punctuated_word":"holding","sentiment":"neutral","sentiment_score":0.22349658608436584},{"word":"about","start":1169.6349,"end":1169.955,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.16199065744876862},{"word":"5%","start":1169.955,"end":1170.755,"confidence":1.0,"punctuated_word":"5%","sentiment":"neutral","sentiment_score":0.2555127739906311},{"word":"of","start":1170.755,"end":1170.9149,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23473387956619263},{"word":"core","start":1170.9149,"end":1171.235,"confidence":0.9790039,"punctuated_word":"core","sentiment":"neutral","sentiment_score":0.1701255440711975},{"word":"composite","start":1171.235,"end":1171.6349,"confidence":0.9770508,"punctuated_word":"composite","sentiment":"neutral","sentiment_score":0.20482675731182096},{"word":"bonds","start":1171.6349,"end":1172.0349,"confidence":0.87353516,"punctuated_word":"bonds","sentiment":"neutral","sentiment_score":0.2417570799589157},{"word":"to","start":1172.0349,"end":1172.195,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19928765296936035},{"word":"give","start":1172.195,"end":1172.355,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.252351313829422},{"word":"you","start":1172.355,"end":1172.5149,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29299601912498474},{"word":"some","start":1172.5149,"end":1172.755,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.2281194031238556},{"word":"defensive","start":1172.755,"end":1173.255,"confidence":0.99121094,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.14505809545516968},{"word":"exposure","start":1173.475,"end":1173.975,"confidence":0.99902344,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.2148277461528778},{"word":"as","start":1174.0349,"end":1174.195,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2061394602060318},{"word":"well","start":1174.195,"end":1174.695,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2114124596118927},{"word":"okay","start":1174.835,"end":1175.335,"confidence":0.8886719,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.12336355447769164},{"word":"so","start":1176.595,"end":1176.9149,"confidence":0.99121094,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13863098621368408},{"word":"that","start":1176.9149,"end":1177.1549,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16866418719291687},{"word":"is","start":1177.1549,"end":1177.3949,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.13512969017028809},{"word":"essentially","start":1177.3949,"end":1177.715,"confidence":0.8911133,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.16641032695770264},{"word":"the","start":1177.715,"end":1177.875,"confidence":0.9394531,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.171662837266922},{"word":"changes","start":1177.875,"end":1178.2749,"confidence":0.9941406,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.21155013144016263},{"word":"i","start":1178.2749,"end":1178.355,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17329934239387512},{"word":"wanna","start":1178.355,"end":1178.6749,"confidence":0.9980469,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.24243679642677307},{"word":"make","start":1178.6749,"end":1178.9149,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.2168656587600708},{"word":"to","start":1178.9149,"end":1179.075,"confidence":0.9873047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1884687691926956},{"word":"your","start":1179.075,"end":1179.315,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14239341020584106},{"word":"portfolio","start":1179.315,"end":1179.815,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.11097268760204317},{"word":"there","start":1180.02,"end":1180.26,"confidence":0.9875488,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.16230982542037964},{"word":"i'll","start":1180.26,"end":1180.5,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.15638545155525208},{"word":"show","start":1180.5,"end":1180.5801,"confidence":1.0,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.12517833709716797},{"word":"you","start":1180.5801,"end":1180.8201,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17521481215953827},{"word":"the","start":1180.8201,"end":1181.06,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13618065416812897},{"word":"reasoning","start":1181.06,"end":1181.46,"confidence":0.99609375,"punctuated_word":"reasoning","sentiment":"neutral","sentiment_score":0.13290737569332123},{"word":"behind","start":1181.46,"end":1181.86,"confidence":1.0,"punctuated_word":"behind","sentiment":"neutral","sentiment_score":0.1050056740641594},{"word":"that","start":1181.86,"end":1182.02,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12615469098091123},{"word":"in","start":1182.02,"end":1182.18,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08444967865943909},{"word":"a","start":1182.18,"end":1182.34,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10038350522518158},{"word":"second","start":1182.34,"end":1182.8201,"confidence":0.9223633,"punctuated_word":"second.","sentiment":"neutral","sentiment_score":0.1074860692024231},{"word":"but","start":1182.8201,"end":1183.14,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.08848731219768524},{"word":"underneath","start":1183.14,"end":1183.64,"confidence":0.99902344,"punctuated_word":"underneath","sentiment":"neutral","sentiment_score":0.07344905287027359},{"word":"that","start":1183.7001,"end":1183.86,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09643003344535828},{"word":"table","start":1183.86,"end":1184.26,"confidence":0.99853516,"punctuated_word":"table,","sentiment":"neutral","sentiment_score":0.07727131247520447},{"word":"you","start":1184.26,"end":1184.5,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08920232206583023},{"word":"also","start":1184.5,"end":1184.9,"confidence":0.57177734,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.08129411190748215},{"word":"see","start":1184.9,"end":1185.14,"confidence":0.97509766,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.07428248226642609},{"word":"within","start":1185.14,"end":1185.54,"confidence":0.97509766,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.0736827403306961},{"word":"hub","start":1185.54,"end":1185.78,"confidence":0.48901367,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.0996786653995514},{"word":"twenty","start":1185.78,"end":1186.02,"confidence":0.99902344,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.10864381492137908},{"word":"four","start":1186.02,"end":1186.18,"confidence":0.9104004,"punctuated_word":"four,","sentiment":"neutral","sentiment_score":0.081119105219841},{"word":"you've","start":1186.18,"end":1186.42,"confidence":0.9633789,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.07853018492460251},{"word":"got","start":1186.42,"end":1186.66,"confidence":0.9267578,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.07645991444587708},{"word":"about","start":1186.66,"end":1186.98,"confidence":0.7783203,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.05212267488241196},{"word":"11","start":1186.98,"end":1187.46,"confidence":0.9980469,"punctuated_word":"11","sentiment":"neutral","sentiment_score":0.05843768268823624},{"word":"thousand","start":1187.46,"end":1187.9401,"confidence":0.99902344,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.05594756081700325},{"word":"sitting","start":1187.9401,"end":1188.26,"confidence":0.9267578,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.06792467832565308},{"word":"in","start":1188.26,"end":1188.42,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04799311235547066},{"word":"cash","start":1188.42,"end":1188.66,"confidence":1.0,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.062167223542928696},{"word":"there","start":1188.66,"end":1188.9,"confidence":0.9970703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.049349069595336914},{"word":"at","start":1188.9,"end":1189.06,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02300926297903061},{"word":"the","start":1189.06,"end":1189.22,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04949191212654114},{"word":"moment","start":1189.22,"end":1189.72,"confidence":0.9995117,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.03680064529180527},{"word":"you","start":1189.9401,"end":1190.26,"confidence":0.9980469,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.04165371507406235},{"word":"have","start":1190.26,"end":1190.5,"confidence":0.7895508,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03533255308866501},{"word":"a","start":1190.5,"end":1190.5801,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07977668941020966},{"word":"bit","start":1190.5801,"end":1190.8201,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.038558200001716614},{"word":"more","start":1190.8201,"end":1191.06,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.034003302454948425},{"word":"cash","start":1191.06,"end":1191.38,"confidence":1.0,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.05987010896205902},{"word":"than","start":1191.38,"end":1191.54,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.03064880520105362},{"word":"i","start":1191.54,"end":1191.62,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02948659658432007},{"word":"would","start":1191.62,"end":1191.86,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.029162101447582245},{"word":"realistically","start":1191.86,"end":1192.36,"confidence":0.9980469,"punctuated_word":"realistically","sentiment":"neutral","sentiment_score":0.01933358609676361},{"word":"like","start":1192.5,"end":1192.74,"confidence":0.9885254,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":0.025173909962177277},{"word":"we","start":1192.74,"end":1192.995,"confidence":0.99609375,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.08787386119365692},{"word":"only","start":1192.995,"end":1193.155,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.06572512537240982},{"word":"wanna","start":1193.155,"end":1193.475,"confidence":0.97802734,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.11061258614063264},{"word":"hold","start":1193.475,"end":1193.715,"confidence":0.9970703,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.11624350398778915},{"word":"minimum","start":1193.715,"end":1194.215,"confidence":0.9970703,"punctuated_word":"minimum","sentiment":"neutral","sentiment_score":0.04979377239942551},{"word":"cash","start":1194.275,"end":1194.755,"confidence":0.99609375,"punctuated_word":"cash.","sentiment":"neutral","sentiment_score":0.12249244004487991},{"word":"we","start":1194.755,"end":1194.995,"confidence":0.9980469,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.1325415074825287},{"word":"wanna","start":1194.995,"end":1195.235,"confidence":0.99316406,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.18961967527866364},{"word":"have","start":1195.235,"end":1195.555,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1804351508617401},{"word":"as","start":1195.555,"end":1195.715,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1638319045305252},{"word":"much","start":1195.715,"end":1195.955,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.1656004637479782},{"word":"money","start":1195.955,"end":1196.355,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.2136403322219849},{"word":"invested","start":1196.355,"end":1196.855,"confidence":1.0,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.15635548532009125},{"word":"in","start":1196.915,"end":1196.995,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.19988086819648743},{"word":"your","start":1196.995,"end":1197.315,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17555391788482666},{"word":"portfolio","start":1197.315,"end":1197.815,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.10180218517780304},{"word":"as","start":1197.955,"end":1198.195,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15234267711639404},{"word":"possible","start":1198.195,"end":1198.695,"confidence":0.78515625,"punctuated_word":"possible,","sentiment":"neutral","sentiment_score":0.1871815323829651},{"word":"so","start":1198.835,"end":1199.075,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1965208351612091},{"word":"we're","start":1199.075,"end":1199.315,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.25489938259124756},{"word":"gonna","start":1199.315,"end":1199.635,"confidence":0.9970703,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.28796350955963135},{"word":"reinvest","start":1199.635,"end":1200.135,"confidence":0.9921875,"punctuated_word":"reinvest","sentiment":"neutral","sentiment_score":0.2030075043439865},{"word":"about","start":1200.275,"end":1200.595,"confidence":0.94189453,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.17315790057182312},{"word":"$8,581","start":1200.595,"end":1202.675,"confidence":0.99958146,"punctuated_word":"$8,581","sentiment":"neutral","sentiment_score":0.2030489146709442},{"word":"of","start":1202.675,"end":1202.835,"confidence":0.9838867,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2722298502922058},{"word":"that","start":1202.835,"end":1203.075,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2171056866645813},{"word":"for","start":1203.075,"end":1203.235,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1738402247428894},{"word":"you","start":1203.235,"end":1203.735,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.1237291544675827},{"word":"okay","start":1203.795,"end":1204.295,"confidence":0.80737305,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.11765380203723907},{"word":"excellent","start":1205.955,"end":1206.455,"confidence":0.9875488,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.5621987581253052},{"word":"yeah","start":1217.6,"end":1218.08,"confidence":0.8395996,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.011696064844727516},{"word":"i","start":1218.08,"end":1218.24,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.016302619129419327},{"word":"can","start":1218.24,"end":1218.4,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.025447791442275047},{"word":"give","start":1218.4,"end":1218.5599,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.027683421969413757},{"word":"you","start":1218.5599,"end":1218.735,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.023783892393112183},{"word":"that","start":1231.455,"end":1231.955,"confidence":0.99658203,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.04429363086819649},{"word":"yeah","start":1232.095,"end":1232.31,"confidence":0.76293945,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.062413930892944336},{"word":"that's","start":1238.8701,"end":1239.1901,"confidence":0.9946289,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.004187877289950848},{"word":"okay","start":1239.1901,"end":1239.6901,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.04912497848272323},{"word":"i","start":1240.31,"end":1240.4701,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04677458852529526},{"word":"can","start":1240.4701,"end":1240.7101,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.048428215086460114},{"word":"give","start":1240.7101,"end":1240.9501,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.02315606363117695},{"word":"you","start":1240.9501,"end":1241.1101,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07856215536594391},{"word":"i","start":1241.27,"end":1241.3501,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08598171174526215},{"word":"can","start":1241.3501,"end":1241.5901,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1031406819820404},{"word":"go","start":1241.5901,"end":1241.75,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.056059498339891434},{"word":"in","start":1241.75,"end":1241.91,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.026584889739751816},{"word":"there","start":1241.91,"end":1242.2301,"confidence":0.9970703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.009355317801237106},{"word":"now","start":1242.2301,"end":1242.7301,"confidence":1.0,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.010351428762078283},{"word":"yeah","start":1243.5901,"end":1243.91,"confidence":0.98999023,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08491189777851105},{"word":"absolutely","start":1243.91,"end":1244.41,"confidence":0.9995117,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.1289559304714203},{"word":"let's","start":1244.63,"end":1244.9501,"confidence":1.0,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":0.09274384379386902},{"word":"have","start":1244.9501,"end":1245.1101,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10384231805801392},{"word":"a","start":1245.1101,"end":1245.1901,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08800177276134491},{"word":"look","start":1245.1901,"end":1245.43,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.05458103120326996},{"word":"now","start":1245.43,"end":1245.5901,"confidence":0.9970703,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.08202929049730301},{"word":"so","start":1245.5901,"end":1245.75,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08182838559150696},{"word":"i'm","start":1245.75,"end":1245.8301,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0806003138422966},{"word":"just","start":1245.8301,"end":1246.0701,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08676082640886307},{"word":"pulling","start":1246.0701,"end":1246.31,"confidence":0.9873047,"punctuated_word":"pulling","sentiment":"neutral","sentiment_score":0.08709143102169037},{"word":"up","start":1246.31,"end":1246.4701,"confidence":0.9760742,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.06477921456098557},{"word":"the","start":1246.4701,"end":1246.55,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0753544420003891},{"word":"report","start":1246.55,"end":1247.03,"confidence":0.99609375,"punctuated_word":"report","sentiment":"neutral","sentiment_score":0.0685732364654541},{"word":"for","start":1247.03,"end":1247.27,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08282170444726944},{"word":"you","start":1247.27,"end":1247.51,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07680173963308334},{"word":"to","start":1247.51,"end":1247.835,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07669135928153992},{"word":"have","start":1247.9149,"end":1248.235,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.060866959393024445},{"word":"a","start":1248.235,"end":1248.315,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07953108102083206},{"word":"look","start":1248.315,"end":1248.815,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.03642076998949051},{"word":"now","start":1249.0349,"end":1249.5349,"confidence":0.84106445,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.05904262140393257},{"word":"last","start":1250.7949,"end":1251.2949,"confidence":0.9819336,"punctuated_word":"Last","sentiment":"neutral","sentiment_score":-0.023560533300042152},{"word":"year","start":1251.355,"end":1251.855,"confidence":0.96362305,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.001169184222817421},{"word":"sorry","start":1255.195,"end":1255.595,"confidence":0.97631836,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.015969999134540558},{"word":"won't","start":1255.595,"end":1255.835,"confidence":0.9592285,"punctuated_word":"Won't","sentiment":"neutral","sentiment_score":-0.0001906398683786392},{"word":"be","start":1255.835,"end":1255.995,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.012174539268016815},{"word":"a","start":1255.995,"end":1256.075,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.015186890959739683},{"word":"second","start":1256.075,"end":1256.475,"confidence":0.9970703,"punctuated_word":"second.","sentiment":"neutral","sentiment_score":0.018838245421648026},{"word":"just","start":1256.475,"end":1256.715,"confidence":0.9951172,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.10125064849853516},{"word":"loading","start":1256.715,"end":1257.115,"confidence":1.0,"punctuated_word":"loading","sentiment":"neutral","sentiment_score":0.16511523723602295},{"word":"the","start":1257.115,"end":1257.2749,"confidence":0.92822266,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2086191028356552},{"word":"report","start":1257.2749,"end":1257.755,"confidence":1.0,"punctuated_word":"report","sentiment":"neutral","sentiment_score":0.1882607340812683},{"word":"for","start":1257.755,"end":1257.9149,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1534958779811859},{"word":"you","start":1257.9149,"end":1258.4149,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.14584535360336304},{"word":"beautiful","start":1259.755,"end":1260.255,"confidence":0.99902344,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4743393659591675},{"word":"so","start":1260.76,"end":1261.26,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12916453182697296},{"word":"when","start":1261.32,"end":1261.5599,"confidence":0.9980469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.05383235961198807},{"word":"we","start":1261.5599,"end":1261.72,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07843496650457382},{"word":"look","start":1261.72,"end":1261.88,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.11843930184841156},{"word":"at","start":1261.88,"end":1262.12,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.14140582084655762},{"word":"everything","start":1262.12,"end":1262.62,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.09035100042819975},{"word":"as","start":1262.76,"end":1262.92,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.03619877994060517},{"word":"a","start":1262.92,"end":1263.0,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.057980429381132126},{"word":"whole","start":1263.0,"end":1263.5,"confidence":0.9914551,"punctuated_word":"whole,","sentiment":"neutral","sentiment_score":0.0719839408993721},{"word":"over","start":1264.2,"end":1264.44,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.09493327885866164},{"word":"the","start":1264.44,"end":1264.6,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09137463569641112},{"word":"last","start":1264.6,"end":1264.92,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.07479649782180786},{"word":"twelve","start":1264.92,"end":1265.24,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.03829607740044594},{"word":"months","start":1265.24,"end":1265.72,"confidence":0.9975586,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":0.1103563755750656},{"word":"your","start":1265.72,"end":1266.04,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10989508777856828},{"word":"portfolio","start":1266.04,"end":1266.44,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.05027142912149429},{"word":"and","start":1266.6,"end":1266.84,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08105131983757019},{"word":"it's","start":1266.84,"end":1267.16,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.06992380321025848},{"word":"important","start":1267.16,"end":1267.48,"confidence":1.0,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.03668513149023056},{"word":"to","start":1267.48,"end":1267.64,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0509420670568943},{"word":"note","start":1267.64,"end":1267.88,"confidence":0.98095703,"punctuated_word":"note","sentiment":"neutral","sentiment_score":0.027027122676372528},{"word":"that","start":1267.88,"end":1268.12,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03228411823511124},{"word":"with","start":1268.12,"end":1268.44,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.015392690896987917},{"word":"the","start":1268.44,"end":1268.6799,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.005730278789997101},{"word":"amount","start":1268.6799,"end":1269.0,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.034828975796699524},{"word":"of","start":1269.0,"end":1269.4,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.047283969819545746},{"word":"volatility","start":1269.4,"end":1269.9,"confidence":1.0,"punctuated_word":"volatility","sentiment":"neutral","sentiment_score":-0.03171740472316742},{"word":"we","start":1269.96,"end":1270.12,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.05832633376121521},{"word":"have","start":1270.12,"end":1270.28,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.05979515612125397},{"word":"seen","start":1270.28,"end":1270.52,"confidence":0.8833008,"punctuated_word":"seen,","sentiment":"neutral","sentiment_score":-0.04608430713415146},{"word":"with","start":1270.52,"end":1270.6799,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.05896715819835663},{"word":"everything","start":1270.6799,"end":1271.0,"confidence":0.99902344,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.03934679180383682},{"word":"you've","start":1271.0,"end":1271.16,"confidence":0.6623535,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.00864842813462019},{"word":"seen","start":1271.16,"end":1271.32,"confidence":0.9038086,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.02380231022834778},{"word":"going","start":1271.32,"end":1271.5599,"confidence":0.9951172,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.00593026727437973},{"word":"on","start":1271.5599,"end":1271.72,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.023017853498458862},{"word":"with","start":1271.72,"end":1271.96,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.04425399750471115},{"word":"the","start":1271.96,"end":1272.2,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02815355360507965},{"word":"us","start":1272.2,"end":1272.52,"confidence":0.9980469,"punctuated_word":"US","sentiment":"neutral","sentiment_score":-0.04966127872467041},{"word":"war","start":1272.52,"end":1273.02,"confidence":0.24060059,"punctuated_word":"war","sentiment":"neutral","sentiment_score":0.011074252426624298},{"word":"this","start":1273.5599,"end":1273.7999,"confidence":0.9970703,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0049423351883888245},{"word":"year","start":1273.7999,"end":1274.04,"confidence":0.9921875,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.02105133607983589},{"word":"there","start":1274.04,"end":1274.28,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.004186496138572693},{"word":"has","start":1274.28,"end":1274.44,"confidence":0.99902344,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.005173645913600922},{"word":"been","start":1274.44,"end":1274.6799,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.016175784170627594},{"word":"a","start":1274.6799,"end":1274.76,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.030068140476942062},{"word":"lot","start":1274.76,"end":1274.92,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.030003435909748077},{"word":"of","start":1274.92,"end":1275.08,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0111507847905159},{"word":"ups","start":1275.08,"end":1275.32,"confidence":0.9980469,"punctuated_word":"ups","sentiment":"neutral","sentiment_score":-0.04755138233304024},{"word":"and","start":1275.32,"end":1275.48,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06957679241895676},{"word":"downs","start":1275.48,"end":1275.7999,"confidence":0.9980469,"punctuated_word":"downs","sentiment":"neutral","sentiment_score":-0.07070870697498322},{"word":"there","start":1275.7999,"end":1276.245,"confidence":0.984375,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.06384840607643127},{"word":"but","start":1276.325,"end":1276.485,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.03953706473112106},{"word":"as","start":1276.485,"end":1276.645,"confidence":0.96533203,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07021450996398926},{"word":"a","start":1276.645,"end":1276.725,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07871253788471222},{"word":"whole","start":1276.725,"end":1277.045,"confidence":0.9980469,"punctuated_word":"whole,","sentiment":"neutral","sentiment_score":0.08490957319736481},{"word":"your","start":1277.045,"end":1277.285,"confidence":0.9980469,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.43637344241142273},{"word":"portfolio","start":1277.285,"end":1277.785,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.4217095375061035},{"word":"has","start":1278.085,"end":1278.245,"confidence":1.0,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.534453272819519},{"word":"made","start":1278.245,"end":1278.565,"confidence":1.0,"punctuated_word":"made","sentiment":"positive","sentiment_score":0.5717303156852722},{"word":"about","start":1278.565,"end":1278.885,"confidence":1.0,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.47862863540649414},{"word":"4.45%","start":1278.885,"end":1280.425,"confidence":0.9958984,"punctuated_word":"4.45%","sentiment":"positive","sentiment_score":0.5503681898117065},{"word":"net","start":1280.645,"end":1280.805,"confidence":0.96777344,"punctuated_word":"net","sentiment":"positive","sentiment_score":0.6166684627532959},{"word":"of","start":1280.805,"end":1280.965,"confidence":0.9873047,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3926925361156464},{"word":"fees","start":1280.965,"end":1281.445,"confidence":0.85595703,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.37943577766418457},{"word":"after","start":1281.445,"end":1281.765,"confidence":0.4116211,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.2823466658592224},{"word":"all","start":1281.765,"end":1282.005,"confidence":0.9873047,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2287720888853073},{"word":"fees","start":1282.005,"end":1282.245,"confidence":0.9667969,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.20213283598423004},{"word":"have","start":1282.245,"end":1282.485,"confidence":0.7167969,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.21394683420658112},{"word":"been","start":1282.485,"end":1282.645,"confidence":0.98535156,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.2878316640853882},{"word":"considered","start":1282.645,"end":1283.145,"confidence":0.97753906,"punctuated_word":"considered.","sentiment":"neutral","sentiment_score":0.3082563281059265},{"word":"so","start":1283.205,"end":1283.6849,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.7390546798706055},{"word":"you","start":1283.6849,"end":1283.845,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8365470170974731},{"word":"have","start":1283.845,"end":1284.085,"confidence":0.99902344,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.8296090960502625},{"word":"definitely","start":1284.085,"end":1284.485,"confidence":0.99902344,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.808755099773407},{"word":"had","start":1284.485,"end":1284.645,"confidence":0.99902344,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.818219006061554},{"word":"a","start":1284.645,"end":1284.805,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.8242762088775635},{"word":"good","start":1284.805,"end":1285.045,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.8249697089195251},{"word":"positive","start":1285.045,"end":1285.525,"confidence":0.96435547,"punctuated_word":"positive","sentiment":"positive","sentiment_score":0.8802326917648315},{"word":"return","start":1285.525,"end":1285.845,"confidence":1.0,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.8003316521644592},{"word":"for","start":1285.845,"end":1286.005,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7751889228820801},{"word":"the","start":1286.005,"end":1286.165,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.7685759663581848},{"word":"year","start":1286.165,"end":1286.325,"confidence":0.99902344,"punctuated_word":"year.","sentiment":"positive","sentiment_score":0.7411543130874634},{"word":"it","start":1286.325,"end":1286.485,"confidence":1.0,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.5473498106002808},{"word":"is","start":1286.485,"end":1286.645,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.401195764541626},{"word":"lower","start":1286.645,"end":1286.965,"confidence":1.0,"punctuated_word":"lower","sentiment":"positive","sentiment_score":0.3762485980987549},{"word":"than","start":1286.965,"end":1287.125,"confidence":1.0,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.4198231697082519},{"word":"where","start":1287.125,"end":1287.285,"confidence":0.99316406,"punctuated_word":"where","sentiment":"positive","sentiment_score":0.35233616828918457},{"word":"we'd","start":1287.285,"end":1287.605,"confidence":0.9970703,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":0.24735021591186523},{"word":"expect","start":1287.605,"end":1288.105,"confidence":0.99853516,"punctuated_word":"expect.","sentiment":"neutral","sentiment_score":0.12418940663337708},{"word":"a","start":1288.58,"end":1288.74,"confidence":0.9506836,"punctuated_word":"A","sentiment":"neutral","sentiment_score":0.2249857932329178},{"word":"lot","start":1288.74,"end":1288.9,"confidence":0.99902344,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.25816795229911804},{"word":"of","start":1288.9,"end":1288.98,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.288568377494812},{"word":"that","start":1288.98,"end":1289.14,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2385210245847702},{"word":"is","start":1289.14,"end":1289.38,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15319497883319855},{"word":"because","start":1289.38,"end":1289.7,"confidence":0.99902344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.15507538616657257},{"word":"bennelong","start":1289.7,"end":1290.2,"confidence":0.8017578,"punctuated_word":"Bennelong","sentiment":"neutral","sentiment_score":0.13187649846076965},{"word":"has","start":1290.26,"end":1290.5,"confidence":0.99902344,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.043794021010398865},{"word":"been","start":1290.5,"end":1290.74,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.025127559900283813},{"word":"underperforming","start":1290.74,"end":1291.24,"confidence":0.9951172,"punctuated_word":"underperforming","sentiment":"neutral","sentiment_score":0.020119287073612213},{"word":"there","start":1291.54,"end":1291.78,"confidence":0.99121094,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.02334493398666382},{"word":"and","start":1291.78,"end":1292.02,"confidence":0.69677734,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.004741489887237549},{"word":"obviously","start":1292.02,"end":1292.5,"confidence":1.0,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.03313178941607475},{"word":"with","start":1292.5,"end":1292.66,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04251521825790405},{"word":"what's","start":1292.66,"end":1292.9,"confidence":0.9995117,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.09110461920499802},{"word":"been","start":1292.9,"end":1293.14,"confidence":0.99316406,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.07572101801633835},{"word":"happening","start":1293.14,"end":1293.62,"confidence":1.0,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":0.09708503633737564},{"word":"globally","start":1293.62,"end":1294.12,"confidence":0.99902344,"punctuated_word":"globally","sentiment":"neutral","sentiment_score":0.010235995054244997},{"word":"with","start":1294.18,"end":1294.34,"confidence":0.9951172,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.053878866136074066},{"word":"the","start":1294.34,"end":1294.66,"confidence":0.97802734,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0932040959596634},{"word":"iran","start":1294.66,"end":1294.98,"confidence":0.9951172,"punctuated_word":"Iran","sentiment":"neutral","sentiment_score":0.07792825251817703},{"word":"and","start":1294.98,"end":1295.14,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03862246870994568},{"word":"the","start":1295.14,"end":1295.38,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07161341607570648},{"word":"us","start":1295.38,"end":1295.78,"confidence":0.99902344,"punctuated_word":"US","sentiment":"neutral","sentiment_score":-0.031804218888282776},{"word":"war","start":1295.78,"end":1296.02,"confidence":0.97802734,"punctuated_word":"war","sentiment":"neutral","sentiment_score":0.10144665837287904},{"word":"there","start":1296.02,"end":1296.52,"confidence":0.90405273,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.06210200488567352},{"word":"but","start":1296.8201,"end":1297.06,"confidence":0.9658203,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.3272964358329773},{"word":"you","start":1297.06,"end":1297.22,"confidence":0.9941406,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5990438461303711},{"word":"have","start":1297.22,"end":1297.46,"confidence":0.99902344,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5958633422851562},{"word":"definitely","start":1297.46,"end":1297.86,"confidence":0.99902344,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.6564620137214661},{"word":"made","start":1297.86,"end":1298.02,"confidence":1.0,"punctuated_word":"made","sentiment":"positive","sentiment_score":0.6537359952926636},{"word":"a","start":1298.02,"end":1298.18,"confidence":0.9951172,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6560817360877991},{"word":"4.45","start":1298.18,"end":1299.78,"confidence":0.95585936,"punctuated_word":"4.45","sentiment":"positive","sentiment_score":0.6797988414764404},{"word":"return","start":1299.78,"end":1300.26,"confidence":1.0,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.6167542338371277},{"word":"after","start":1300.26,"end":1300.66,"confidence":0.9506836,"punctuated_word":"after","sentiment":"positive","sentiment_score":0.4549803733825683},{"word":"fees","start":1300.66,"end":1300.9,"confidence":0.7607422,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":0.31688180565834045},{"word":"so","start":1300.9,"end":1301.06,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.469210684299469},{"word":"it","start":1301.06,"end":1301.22,"confidence":0.9892578,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5614031553268433},{"word":"does","start":1301.22,"end":1301.54,"confidence":0.9560547,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.5373715758323669},{"word":"mean","start":1301.54,"end":1301.7,"confidence":0.99902344,"punctuated_word":"mean","sentiment":"positive","sentiment_score":0.4869154691696167},{"word":"your","start":1301.7,"end":1301.86,"confidence":0.9980469,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5862681269645691},{"word":"portfolio","start":1301.86,"end":1302.36,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.5203681588172913},{"word":"is","start":1302.5,"end":1302.66,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5494049191474915},{"word":"still","start":1302.66,"end":1302.9,"confidence":1.0,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.5140026807785034},{"word":"working","start":1302.9,"end":1303.3,"confidence":0.9980469,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.579700231552124},{"word":"the","start":1303.3,"end":1303.575,"confidence":0.8676758,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5434949398040771},{"word":"same","start":1303.6549,"end":1303.8949,"confidence":0.99902344,"punctuated_word":"same","sentiment":"positive","sentiment_score":0.4626602530479431},{"word":"direction","start":1303.8949,"end":1304.3949,"confidence":0.7832031,"punctuated_word":"direction.","sentiment":"positive","sentiment_score":0.5386656522750854},{"word":"because","start":1304.855,"end":1305.355,"confidence":0.5214844,"punctuated_word":"Because","sentiment":"positive","sentiment_score":0.47664856910705566},{"word":"contributions","start":1305.495,"end":1305.995,"confidence":1.0,"punctuated_word":"contributions","sentiment":"positive","sentiment_score":0.6505375504493713},{"word":"do","start":1306.2949,"end":1306.455,"confidence":0.9980469,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.47935032844543457},{"word":"go","start":1306.455,"end":1306.695,"confidence":0.9941406,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.523792028427124},{"word":"into","start":1306.695,"end":1307.0149,"confidence":0.9003906,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.49215805530548096},{"word":"c","start":1307.0149,"end":1307.255,"confidence":0.27954102,"punctuated_word":"C","sentiment":"positive","sentiment_score":0.5229271054267883},{"word":"bus","start":1307.255,"end":1307.575,"confidence":0.8364258,"punctuated_word":"bus,","sentiment":"positive","sentiment_score":0.5327339768409729},{"word":"this","start":1307.575,"end":1307.735,"confidence":0.99902344,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.5562542676925659},{"word":"is","start":1307.735,"end":1307.815,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4620505571365357},{"word":"just","start":1307.815,"end":1308.0549,"confidence":1.0,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.5028235912322998},{"word":"what","start":1308.0549,"end":1308.2949,"confidence":0.7397461,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.4378225207328797},{"word":"the","start":1308.2949,"end":1308.375,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6078534722328186},{"word":"portfolio","start":1308.375,"end":1308.875,"confidence":0.99902344,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.6359488368034363},{"word":"has","start":1309.095,"end":1309.335,"confidence":0.9970703,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.600192129611969},{"word":"been","start":1309.335,"end":1309.575,"confidence":1.0,"punctuated_word":"been","sentiment":"positive","sentiment_score":0.6126020550727844},{"word":"able","start":1309.575,"end":1309.8949,"confidence":1.0,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.5542291402816772},{"word":"to","start":1309.8949,"end":1310.0549,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5051543116569519},{"word":"do","start":1310.0549,"end":1310.375,"confidence":0.98950195,"punctuated_word":"do.","sentiment":"positive","sentiment_score":0.49180757999420166},{"word":"so","start":1310.375,"end":1310.875,"confidence":0.9970703,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.6224470734596252},{"word":"even","start":1310.9349,"end":1311.1749,"confidence":0.9980469,"punctuated_word":"even","sentiment":"positive","sentiment_score":0.6497523784637451},{"word":"with","start":1311.1749,"end":1311.4149,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.6281314492225647},{"word":"everything","start":1311.4149,"end":1311.9149,"confidence":1.0,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.7177419662475586},{"word":"going","start":1311.975,"end":1312.2949,"confidence":1.0,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.7511928677558899},{"word":"on","start":1312.2949,"end":1312.7949,"confidence":0.99853516,"punctuated_word":"on,","sentiment":"positive","sentiment_score":0.751533031463623},{"word":"it's","start":1312.9349,"end":1313.1749,"confidence":0.98950195,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.7747886180877686},{"word":"come","start":1313.1749,"end":1313.335,"confidence":0.9482422,"punctuated_word":"come","sentiment":"positive","sentiment_score":0.7899032831192017},{"word":"out","start":1313.335,"end":1313.495,"confidence":0.9243164,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.7392759919166565},{"word":"with","start":1313.495,"end":1313.6549,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.7761487364768982},{"word":"a","start":1313.6549,"end":1313.735,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7475959658622742},{"word":"positive","start":1313.735,"end":1314.215,"confidence":1.0,"punctuated_word":"positive","sentiment":"positive","sentiment_score":0.7842993140220642},{"word":"return","start":1314.215,"end":1314.615,"confidence":0.9875488,"punctuated_word":"return,","sentiment":"positive","sentiment_score":0.748018205165863},{"word":"which","start":1314.615,"end":1314.855,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.7862706184387207},{"word":"is","start":1314.855,"end":1315.095,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.8290348649024963},{"word":"good","start":1315.095,"end":1315.59,"confidence":0.99902344,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.7198494672775269},{"word":"yeah","start":1320.15,"end":1320.65,"confidence":0.8051758,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03150177747011185},{"word":"mhmm","start":1326.95,"end":1327.45,"confidence":0.99401855,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.01898873411118984},{"word":"bank","start":1338.165,"end":1338.325,"confidence":0.59375,"punctuated_word":"Bank","sentiment":"neutral","sentiment_score":0.0026778094470500946},{"word":"interest","start":1338.325,"end":1338.825,"confidence":0.73291016,"punctuated_word":"interest,","sentiment":"neutral","sentiment_score":0.0122445710003376},{"word":"yeah","start":1339.0449,"end":1339.365,"confidence":0.9970703,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.03673107177019119},{"word":"bank","start":1339.365,"end":1339.6849,"confidence":0.9921875,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.017123021185398102},{"word":"bank","start":1339.6849,"end":1340.005,"confidence":0.9819336,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.009077653288841248},{"word":"interest","start":1340.005,"end":1340.405,"confidence":1.0,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.01568007841706276},{"word":"is","start":1340.405,"end":1340.905,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0352376252412796},{"word":"middle","start":1341.0701,"end":1341.23,"confidence":0.99121094,"punctuated_word":"middle","sentiment":"neutral","sentiment_score":0.05859965458512306},{"word":"of","start":1341.23,"end":1341.39,"confidence":0.7524414,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05069088190793991},{"word":"the","start":1341.39,"end":1341.55,"confidence":0.83447266,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0441676564514637},{"word":"range","start":1341.55,"end":1341.79,"confidence":1.0,"punctuated_word":"range","sentiment":"neutral","sentiment_score":0.03553484380245209},{"word":"at","start":1341.79,"end":1341.9501,"confidence":0.98291016,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04226861894130707},{"word":"the","start":1341.9501,"end":1342.03,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0540044791996479},{"word":"moment","start":1342.03,"end":1342.43,"confidence":0.79345703,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.06308825314044952},{"word":"around","start":1342.43,"end":1342.75,"confidence":0.9790039,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.09454379975795746},{"word":"about","start":1342.75,"end":1342.99,"confidence":0.98291016,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.080367311835289},{"word":"a","start":1342.99,"end":1343.15,"confidence":0.85839844,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08440171182155609},{"word":"sort","start":1343.15,"end":1343.31,"confidence":0.9921875,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.06977927684783936},{"word":"of","start":1343.31,"end":1343.4701,"confidence":0.9838867,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0792040228843689},{"word":"four","start":1343.4701,"end":1343.63,"confidence":0.9970703,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.09130021184682846},{"word":"to","start":1343.63,"end":1343.79,"confidence":0.97998047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.047347236424684525},{"word":"5%","start":1343.79,"end":1344.27,"confidence":0.9995117,"punctuated_word":"5%","sentiment":"neutral","sentiment_score":0.11651846021413804},{"word":"return","start":1344.27,"end":1344.75,"confidence":0.97802734,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.06443152576684952},{"word":"depending","start":1344.75,"end":1345.15,"confidence":0.8222656,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":0.06941287219524384},{"word":"on","start":1345.15,"end":1345.31,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06835301965475082},{"word":"who","start":1345.31,"end":1345.4701,"confidence":1.0,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.040096282958984375},{"word":"you're","start":1345.4701,"end":1345.7101,"confidence":0.9980469,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.05013493821024895},{"word":"with","start":1345.7101,"end":1346.2101,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03314509987831116},{"word":"and","start":1346.35,"end":1346.51,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03271032124757767},{"word":"what","start":1346.51,"end":1346.75,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.031162327155470848},{"word":"you're","start":1346.75,"end":1346.99,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.031008169054985046},{"word":"doing","start":1346.99,"end":1347.49,"confidence":0.85058594,"punctuated_word":"doing.","sentiment":"neutral","sentiment_score":0.036031365394592285},{"word":"but","start":1347.63,"end":1347.87,"confidence":0.6738281,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.03253517299890518},{"word":"you're","start":1347.87,"end":1348.03,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.026360897347331047},{"word":"also","start":1348.03,"end":1348.43,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.038178760558366776},{"word":"paying","start":1348.43,"end":1348.75,"confidence":1.0,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.025581009685993195},{"word":"about","start":1348.75,"end":1348.99,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.03416256234049797},{"word":"9%","start":1348.99,"end":1349.63,"confidence":1.0,"punctuated_word":"9%","sentiment":"neutral","sentiment_score":0.04427248239517212},{"word":"in","start":1349.63,"end":1349.79,"confidence":0.9604492,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02667054906487465},{"word":"you","start":1350.03,"end":1350.11,"confidence":0.8984375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02843206748366356},{"word":"know","start":1350.11,"end":1350.43,"confidence":0.98168945,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.03666967526078224},{"word":"between","start":1350.43,"end":1350.8301,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.03832622617483139},{"word":"six","start":1350.8301,"end":1351.0701,"confidence":0.9921875,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.06397898495197296},{"word":"to","start":1351.0701,"end":1351.23,"confidence":0.94384766,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.030925128608942032},{"word":"9%","start":1351.23,"end":1351.7101,"confidence":0.9995117,"punctuated_word":"9%","sentiment":"neutral","sentiment_score":0.049940094351768494},{"word":"in","start":1351.7101,"end":1351.87,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04367757961153984},{"word":"mortgage","start":1351.87,"end":1352.27,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.01248496025800705},{"word":"rates","start":1352.27,"end":1352.5901,"confidence":0.99902344,"punctuated_word":"rates","sentiment":"neutral","sentiment_score":0.04367837682366371},{"word":"as","start":1352.5901,"end":1352.75,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.04695970565080643},{"word":"well","start":1352.75,"end":1353.15,"confidence":0.84350586,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.035863108932971954},{"word":"so","start":1353.15,"end":1353.63,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03207366541028023},{"word":"the","start":1353.63,"end":1353.79,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.027446769177913662},{"word":"mortgages","start":1353.79,"end":1354.29,"confidence":0.96435547,"punctuated_word":"mortgages","sentiment":"neutral","sentiment_score":0.006308309733867645},{"word":"are","start":1354.51,"end":1354.75,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.008123725652694702},{"word":"much","start":1354.75,"end":1355.0701,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.03322833776473999},{"word":"higher","start":1355.0701,"end":1355.5701,"confidence":0.94555664,"punctuated_word":"higher.","sentiment":"neutral","sentiment_score":0.034397680312395096},{"word":"and","start":1356.015,"end":1356.175,"confidence":0.9902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04793857038021088},{"word":"when","start":1356.175,"end":1356.3351,"confidence":0.9970703,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.05586095154285431},{"word":"you","start":1356.3351,"end":1356.495,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05654792860150337},{"word":"consider","start":1356.495,"end":1356.975,"confidence":0.9980469,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":0.041688282042741776},{"word":"the","start":1356.975,"end":1357.135,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.046937525272369385},{"word":"cash","start":1357.135,"end":1357.375,"confidence":0.99902344,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.042811837047338486},{"word":"rate","start":1357.375,"end":1357.6951,"confidence":0.9375,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.05147380754351616},{"word":"there","start":1357.6951,"end":1358.095,"confidence":0.9819336,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.03632335364818573},{"word":"it","start":1358.095,"end":1358.3351,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05545962601900101},{"word":"is","start":1358.3351,"end":1358.655,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03513966500759125},{"word":"definitely","start":1358.655,"end":1359.135,"confidence":0.99902344,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.07932990044355392},{"word":"a","start":1359.135,"end":1359.215,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.053608719259500504},{"word":"lot","start":1359.215,"end":1359.4551,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.033185750246047974},{"word":"lower","start":1359.4551,"end":1359.775,"confidence":1.0,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.016580231487751007},{"word":"than","start":1359.775,"end":1359.935,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.004873543977737427},{"word":"what","start":1359.935,"end":1360.015,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.019182853400707245},{"word":"you","start":1360.015,"end":1360.175,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.009760908782482147},{"word":"are","start":1360.175,"end":1360.3351,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.010264456272125244},{"word":"paying","start":1360.3351,"end":1360.655,"confidence":1.0,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.024026423692703247},{"word":"in","start":1360.655,"end":1360.895,"confidence":0.91748047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.03453320264816284},{"word":"interest","start":1360.895,"end":1361.395,"confidence":0.9995117,"punctuated_word":"interest.","sentiment":"neutral","sentiment_score":-0.014765610918402672},{"word":"i'm","start":1362.095,"end":1362.3351,"confidence":0.97265625,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.02304737828671932},{"word":"just","start":1362.3351,"end":1362.655,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.030150696635246277},{"word":"pulling","start":1362.655,"end":1362.975,"confidence":0.9902344,"punctuated_word":"pulling","sentiment":"neutral","sentiment_score":0.025534737855196},{"word":"out","start":1362.975,"end":1363.215,"confidence":0.7565918,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.03556755557656288},{"word":"i","start":1363.215,"end":1363.295,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04765833541750908},{"word":"can","start":1363.295,"end":1363.535,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.04024746268987656},{"word":"have","start":1363.535,"end":1363.6951,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.044706519693136215},{"word":"a","start":1363.6951,"end":1363.775,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05285172909498215},{"word":"look","start":1363.775,"end":1363.935,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.04039885103702545},{"word":"at","start":1363.935,"end":1364.095,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.050135452300310135},{"word":"what","start":1364.095,"end":1364.415,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.050167009234428406},{"word":"c","start":1364.415,"end":1364.655,"confidence":0.37158203,"punctuated_word":"C","sentiment":"neutral","sentiment_score":0.03708465397357941},{"word":"bus","start":1364.655,"end":1364.975,"confidence":0.3618164,"punctuated_word":"Bus","sentiment":"neutral","sentiment_score":0.039481233805418015},{"word":"is","start":1364.975,"end":1365.295,"confidence":0.9941406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.026106230914592743},{"word":"preferring","start":1365.295,"end":1365.795,"confidence":0.7338867,"punctuated_word":"preferring,","sentiment":"neutral","sentiment_score":0.05232436954975128},{"word":"but","start":1365.935,"end":1366.175,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.058224666863679886},{"word":"c","start":1366.175,"end":1366.415,"confidence":0.9951172,"punctuated_word":"C","sentiment":"neutral","sentiment_score":0.04324048012495041},{"word":"bus","start":1366.415,"end":1366.655,"confidence":0.9902344,"punctuated_word":"Bus","sentiment":"neutral","sentiment_score":0.06605695933103561},{"word":"is","start":1366.655,"end":1366.8151,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07561711221933365},{"word":"also","start":1366.8151,"end":1367.295,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.09200618416070938},{"word":"giving","start":1367.295,"end":1367.615,"confidence":0.99902344,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.07217898964881897},{"word":"us","start":1367.615,"end":1367.775,"confidence":0.98828125,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.07372927665710449},{"word":"when","start":1367.855,"end":1368.095,"confidence":0.99609375,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.08532432466745377},{"word":"we","start":1368.095,"end":1368.175,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07423634082078934},{"word":"look","start":1368.175,"end":1368.3351,"confidence":0.99609375,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.07577385753393173},{"word":"at","start":1368.3351,"end":1368.51,"confidence":0.62109375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06832806766033173},{"word":"what","start":1369.23,"end":1369.47,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.09460967034101486},{"word":"their","start":1369.47,"end":1369.55,"confidence":0.9658203,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.05390958860516548},{"word":"investment","start":1369.55,"end":1370.03,"confidence":0.9951172,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.05801833048462868},{"word":"returns","start":1370.03,"end":1370.53,"confidence":0.99609375,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":0.10357796400785446},{"word":"are","start":1370.67,"end":1371.17,"confidence":0.98291016,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.08433772623538971},{"word":"performing","start":1371.47,"end":1371.95,"confidence":0.99316406,"punctuated_word":"performing,","sentiment":"neutral","sentiment_score":0.1277060508728027},{"word":"they're","start":1371.95,"end":1372.11,"confidence":0.99853516,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.12882468104362488},{"word":"giving","start":1372.11,"end":1372.43,"confidence":1.0,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.13271169364452362},{"word":"us","start":1372.43,"end":1372.67,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.13472110033035278},{"word":"a","start":1372.67,"end":1372.91,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1194053590297699},{"word":"gross","start":1372.91,"end":1373.31,"confidence":0.9902344,"punctuated_word":"gross","sentiment":"neutral","sentiment_score":0.09966539591550828},{"word":"return","start":1373.31,"end":1373.81,"confidence":1.0,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.14435851573944092},{"word":"based","start":1373.87,"end":1374.27,"confidence":0.99902344,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.096816323697567},{"word":"on","start":1374.27,"end":1374.43,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11068356782197952},{"word":"the","start":1374.43,"end":1374.67,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.106598861515522},{"word":"overall","start":1374.67,"end":1375.17,"confidence":0.9265137,"punctuated_word":"overall.","sentiment":"neutral","sentiment_score":0.1046515479683876},{"word":"so","start":1375.23,"end":1375.47,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07214921712875366},{"word":"it's","start":1375.47,"end":1375.71,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.05447464808821678},{"word":"not","start":1375.71,"end":1376.1901,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.0211949460208416},{"word":"necessarily","start":1376.1901,"end":1376.6901,"confidence":0.99902344,"punctuated_word":"necessarily","sentiment":"neutral","sentiment_score":0.02176263183355331},{"word":"saying","start":1376.91,"end":1377.15,"confidence":0.9980469,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":0.019794676452875137},{"word":"that","start":1377.15,"end":1377.31,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0015851706266403198},{"word":"you","start":1377.31,"end":1377.55,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.018673457205295563},{"word":"would","start":1377.55,"end":1377.71,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.009666696190834044},{"word":"have","start":1377.71,"end":1377.87,"confidence":0.90625,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0101659893989563},{"word":"got","start":1377.87,"end":1378.11,"confidence":0.9951172,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0060843825340271},{"word":"this","start":1378.11,"end":1378.35,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.028456050902605057},{"word":"return","start":1378.35,"end":1378.85,"confidence":0.97680664,"punctuated_word":"return.","sentiment":"neutral","sentiment_score":0.023825611919164658},{"word":"it","start":1379.15,"end":1379.31,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.029855065047740936},{"word":"also","start":1379.31,"end":1379.63,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.027459530159831047},{"word":"depends","start":1379.63,"end":1380.03,"confidence":1.0,"punctuated_word":"depends","sentiment":"neutral","sentiment_score":0.04652998968958855},{"word":"upon","start":1380.03,"end":1380.43,"confidence":0.99902344,"punctuated_word":"upon","sentiment":"neutral","sentiment_score":0.03630826249718666},{"word":"contributions","start":1380.43,"end":1380.93,"confidence":1.0,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.03460298106074333},{"word":"going","start":1381.15,"end":1381.47,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.04295043274760246},{"word":"in","start":1381.47,"end":1381.95,"confidence":0.9667969,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.02398223802447319},{"word":"what's","start":1381.95,"end":1382.27,"confidence":0.99902344,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.016585547477006912},{"word":"happening","start":1382.27,"end":1382.75,"confidence":0.99365234,"punctuated_word":"happening,","sentiment":"neutral","sentiment_score":0.024007398635149},{"word":"any","start":1382.75,"end":1383.015,"confidence":0.93115234,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.01627364754676819},{"word":"distributions","start":1383.255,"end":1383.755,"confidence":0.8647461,"punctuated_word":"distributions,","sentiment":"neutral","sentiment_score":0.02057497575879097},{"word":"and","start":1383.8151,"end":1383.975,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.007262062281370163},{"word":"things","start":1383.975,"end":1384.295,"confidence":0.9980469,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.008021626621484756},{"word":"like","start":1384.295,"end":1384.535,"confidence":0.99609375,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.0025695934891700745},{"word":"that","start":1384.535,"end":1385.035,"confidence":0.9951172,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.006468590348958969},{"word":"but","start":1385.175,"end":1385.335,"confidence":0.9951172,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.005377467721700668},{"word":"if","start":1385.335,"end":1385.5751,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.00004925671964883804},{"word":"i'll","start":1385.5751,"end":1385.8151,"confidence":0.8676758,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.0027942205779254436},{"word":"have","start":1385.8151,"end":1386.055,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0025685373693704605},{"word":"a","start":1386.055,"end":1386.135,"confidence":0.984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0019990867003798485},{"word":"look","start":1386.135,"end":1386.535,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.003946532495319843},{"word":"at","start":1386.535,"end":1387.035,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.006733408197760582},{"word":"the","start":1387.655,"end":1388.155,"confidence":0.5966797,"punctuated_word":"the.","sentiment":"neutral","sentiment_score":-0.004991155117750168},{"word":"sorry","start":1390.135,"end":1390.615,"confidence":0.93652344,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.03933443874120712},{"word":"this","start":1390.615,"end":1390.855,"confidence":0.60498047,"punctuated_word":"This","sentiment":"neutral","sentiment_score":-0.04243367910385132},{"word":"goes","start":1390.855,"end":1391.255,"confidence":0.92578125,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.034217119216918945},{"word":"to","start":1391.255,"end":1391.755,"confidence":0.9140625,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.034019265323877335},{"word":"their","start":1392.375,"end":1392.6951,"confidence":0.7426758,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.042559072375297546},{"word":"site","start":1392.6951,"end":1393.1951,"confidence":0.88549805,"punctuated_word":"site.","sentiment":"neutral","sentiment_score":-0.04934227839112282},{"word":"options","start":1397.05,"end":1397.55,"confidence":0.530426,"punctuated_word":"Options.","sentiment":"neutral","sentiment_score":-0.014887336641550064},{"word":"yeah","start":1400.65,"end":1401.15,"confidence":0.9885254,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0061203790828585625},{"word":"absolutely","start":1401.53,"end":1402.03,"confidence":0.9621582,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.003414854407310486},{"word":"yeah","start":1403.77,"end":1404.27,"confidence":0.98999023,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.022127581760287285},{"word":"absolutely","start":1404.97,"end":1405.47,"confidence":0.7998047,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.37173956632614136},{"word":"yeah","start":1407.29,"end":1407.77,"confidence":0.91186523,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.3533632159233093},{"word":"absolutely","start":1407.77,"end":1408.27,"confidence":0.9223633,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.5212855339050293},{"word":"so","start":1408.89,"end":1409.39,"confidence":0.90527344,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.40022605657577515},{"word":"their","start":1409.53,"end":1410.03,"confidence":0.77734375,"punctuated_word":"their","sentiment":"positive","sentiment_score":0.4079491794109345},{"word":"growth","start":1410.09,"end":1410.5701,"confidence":0.77685547,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.5585967898368835},{"word":"my","start":1410.5701,"end":1410.81,"confidence":0.7817383,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.548770010471344},{"word":"super","start":1410.81,"end":1411.29,"confidence":0.97314453,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.590956449508667},{"word":"account","start":1411.29,"end":1411.79,"confidence":0.984375,"punctuated_word":"account","sentiment":"positive","sentiment_score":0.5467023849487305},{"word":"from","start":1412.855,"end":1413.095,"confidence":1.0,"punctuated_word":"from","sentiment":"positive","sentiment_score":0.4735383689403534},{"word":"this","start":1413.3351,"end":1413.495,"confidence":0.99902344,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.3906057476997375},{"word":"is","start":1413.495,"end":1413.655,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2864586114883423},{"word":"up","start":1413.655,"end":1413.8151,"confidence":1.0,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.3626497089862823},{"word":"until","start":1413.8151,"end":1414.055,"confidence":0.9970703,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.21994230151176453},{"word":"the","start":1414.055,"end":1414.2151,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.32222387194633484},{"word":"06/30/2026","start":1414.2151,"end":1416.135,"confidence":0.96675617,"punctuated_word":"06/30/2026,","sentiment":"neutral","sentiment_score":0.30807405710220337},{"word":"so","start":1416.135,"end":1416.295,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.31712308526039124},{"word":"it","start":1416.295,"end":1416.4551,"confidence":0.99902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4936855435371399},{"word":"is","start":1416.4551,"end":1416.6951,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4257139563560486},{"word":"definitely","start":1416.6951,"end":1417.0951,"confidence":0.99902344,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.4812360107898712},{"word":"almost","start":1417.0951,"end":1417.495,"confidence":0.99902344,"punctuated_word":"almost","sentiment":"positive","sentiment_score":0.41758814454078674},{"word":"a","start":1417.495,"end":1417.655,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2522125840187073},{"word":"month","start":1417.655,"end":1417.975,"confidence":0.99902344,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.2384301871061325},{"word":"old","start":1417.975,"end":1418.475,"confidence":0.8430176,"punctuated_word":"old.","sentiment":"neutral","sentiment_score":0.21782442927360535},{"word":"but","start":1418.935,"end":1419.255,"confidence":0.83251953,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.31242454051971436},{"word":"they're","start":1419.255,"end":1419.495,"confidence":0.99853516,"punctuated_word":"they're","sentiment":"positive","sentiment_score":0.43421921133995056},{"word":"claiming","start":1419.495,"end":1419.995,"confidence":1.0,"punctuated_word":"claiming","sentiment":"positive","sentiment_score":0.510217010974884},{"word":"that","start":1420.2151,"end":1420.6951,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5428662300109863},{"word":"their","start":1420.6951,"end":1421.015,"confidence":0.875,"punctuated_word":"their","sentiment":"positive","sentiment_score":0.5597447752952576},{"word":"my","start":1421.015,"end":1421.495,"confidence":0.9160156,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.6593657732009888},{"word":"my","start":1421.495,"end":1421.8151,"confidence":0.68652344,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.6489741206169128},{"word":"super","start":1421.8151,"end":1422.295,"confidence":0.9902344,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.6455486416816711},{"word":"growth","start":1422.295,"end":1422.795,"confidence":0.78564453,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.6244413256645203},{"word":"growth","start":1423.415,"end":1423.8151,"confidence":0.52111816,"punctuated_word":"growth,","sentiment":"positive","sentiment_score":0.6016458868980408},{"word":"so","start":1423.8151,"end":1424.055,"confidence":0.9707031,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.5138149857521057},{"word":"before","start":1424.055,"end":1424.555,"confidence":0.99902344,"punctuated_word":"before","sentiment":"positive","sentiment_score":0.3818279504776001},{"word":"tax","start":1424.615,"end":1425.115,"confidence":0.9440918,"punctuated_word":"tax,","sentiment":"positive","sentiment_score":0.4651291072368622},{"word":"has","start":1425.255,"end":1425.655,"confidence":0.99902344,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.6019502878189087},{"word":"returned","start":1425.655,"end":1426.135,"confidence":0.99902344,"punctuated_word":"returned","sentiment":"positive","sentiment_score":0.6125756502151489},{"word":"a","start":1426.135,"end":1426.295,"confidence":0.96972656,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6149710416793823},{"word":"9.25%","start":1426.295,"end":1427.8151,"confidence":0.99902344,"punctuated_word":"9.25%","sentiment":"positive","sentiment_score":0.48516130447387695},{"word":"return","start":1427.8151,"end":1428.2151,"confidence":1.0,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.6544785499572754},{"word":"on","start":1428.2151,"end":1428.45,"confidence":0.9980469,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.5358202457427979},{"word":"average","start":1428.61,"end":1429.05,"confidence":0.8786621,"punctuated_word":"average.","sentiment":"positive","sentiment_score":0.48280107975006104},{"word":"so","start":1429.05,"end":1429.49,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5298420190811157},{"word":"it","start":1429.49,"end":1429.6499,"confidence":0.9980469,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.6882352828979492},{"word":"is","start":1429.6499,"end":1429.8899,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6378316283226013},{"word":"definitely","start":1429.8899,"end":1430.37,"confidence":0.99902344,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.679943859577179},{"word":"higher","start":1430.37,"end":1430.61,"confidence":0.9892578,"punctuated_word":"higher","sentiment":"positive","sentiment_score":0.7119133472442627},{"word":"than","start":1430.61,"end":1430.85,"confidence":1.0,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.6921514272689819},{"word":"what","start":1430.85,"end":1431.09,"confidence":0.99902344,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.6983389854431152},{"word":"you've","start":1431.09,"end":1431.49,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.619891881942749},{"word":"got","start":1431.49,"end":1431.6499,"confidence":1.0,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.5853508710861206},{"word":"in","start":1431.6499,"end":1431.8899,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5418229103088379},{"word":"your","start":1431.8899,"end":1432.21,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5583397746086121},{"word":"portfolio","start":1432.21,"end":1432.71,"confidence":0.91186523,"punctuated_word":"portfolio.","sentiment":"positive","sentiment_score":0.4609091579914093},{"word":"but","start":1434.5299,"end":1434.7699,"confidence":0.8508301,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.3104346990585327},{"word":"i","start":1434.7699,"end":1434.85,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.23898181319236755},{"word":"mean","start":1434.85,"end":1435.09,"confidence":1.0,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.28120946884155273},{"word":"hub","start":1435.09,"end":1435.33,"confidence":0.52001953,"punctuated_word":"hub","sentiment":"positive","sentiment_score":0.3689458072185517},{"word":"twenty","start":1435.33,"end":1435.6499,"confidence":0.99902344,"punctuated_word":"twenty","sentiment":"positive","sentiment_score":0.3811752200126648},{"word":"four","start":1435.6499,"end":1435.97,"confidence":0.9946289,"punctuated_word":"four,","sentiment":"neutral","sentiment_score":0.31163907051086426},{"word":"this","start":1435.97,"end":1436.21,"confidence":1.0,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.39901894330978394},{"word":"is","start":1436.21,"end":1436.37,"confidence":0.9980469,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.33368122577667236},{"word":"giving","start":1436.37,"end":1436.69,"confidence":1.0,"punctuated_word":"giving","sentiment":"positive","sentiment_score":0.3598634898662567},{"word":"you","start":1436.69,"end":1436.85,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3731803894042969},{"word":"the","start":1436.85,"end":1437.01,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.31524574756622314},{"word":"return","start":1437.01,"end":1437.51,"confidence":1.0,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.4649342894554138},{"word":"based","start":1437.73,"end":1438.0499,"confidence":0.99902344,"punctuated_word":"based","sentiment":"positive","sentiment_score":0.3827282190322876},{"word":"on","start":1438.0499,"end":1438.37,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.42996376752853394},{"word":"today's","start":1438.37,"end":1438.87,"confidence":1.0,"punctuated_word":"today's","sentiment":"positive","sentiment_score":0.37924298644065857},{"word":"date","start":1438.9299,"end":1439.25,"confidence":0.72387695,"punctuated_word":"date,","sentiment":"positive","sentiment_score":0.37098002433776855},{"word":"so","start":1439.25,"end":1439.57,"confidence":0.9902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.33034396171569824},{"word":"very","start":1439.57,"end":1439.73,"confidence":0.9980469,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.509777307510376},{"word":"much","start":1439.73,"end":1439.97,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.5343902111053467},{"word":"within","start":1439.97,"end":1440.2899,"confidence":0.99902344,"punctuated_word":"within","sentiment":"positive","sentiment_score":0.44523370265960693},{"word":"the","start":1440.2899,"end":1440.37,"confidence":0.97802734,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3720104992389679},{"word":"last","start":1440.37,"end":1440.69,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.2730564475059509},{"word":"twelve","start":1440.69,"end":1441.01,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.33067262172698975},{"word":"months","start":1441.01,"end":1441.51,"confidence":0.8508301,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":0.31815633177757263},{"word":"and","start":1442.0149,"end":1442.1749,"confidence":0.9863281,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.32147109508514404},{"word":"it's","start":1442.1749,"end":1442.4149,"confidence":0.9975586,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.30586308240890503},{"word":"a","start":1442.4149,"end":1442.575,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3193705081939697},{"word":"net","start":1442.575,"end":1442.815,"confidence":1.0,"punctuated_word":"net","sentiment":"neutral","sentiment_score":0.3072647154331207},{"word":"return","start":1442.815,"end":1443.315,"confidence":1.0,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.2841913402080536},{"word":"after","start":1443.375,"end":1443.695,"confidence":0.9951172,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.20935997366905212},{"word":"fees","start":1443.695,"end":1444.0149,"confidence":0.8496094,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.16875626146793363},{"word":"as","start":1444.0149,"end":1444.1749,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.24516195058822632},{"word":"well","start":1444.1749,"end":1444.495,"confidence":0.8581543,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.18809732794761655},{"word":"so","start":1444.495,"end":1444.735,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12183602154254912},{"word":"i","start":1444.735,"end":1444.815,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12042509764432908},{"word":"would","start":1444.815,"end":1445.0549,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.1239468976855278},{"word":"have","start":1445.0549,"end":1445.215,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1211712658405304},{"word":"to","start":1445.215,"end":1445.455,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.122196726500988},{"word":"kind","start":1445.455,"end":1445.695,"confidence":0.9863281,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.11236155778169632},{"word":"of","start":1445.695,"end":1445.7749,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12988156080245972},{"word":"go","start":1445.7749,"end":1445.9349,"confidence":0.97509766,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.11322837322950365},{"word":"back","start":1445.9349,"end":1446.1749,"confidence":0.99609375,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.13593173027038574},{"word":"and","start":1446.1749,"end":1446.6749,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03254629671573639},{"word":"reassess","start":1446.8949,"end":1447.3949,"confidence":1.0,"punctuated_word":"reassess","sentiment":"neutral","sentiment_score":0.03945637494325638},{"word":"the","start":1447.455,"end":1447.695,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0898979902267456},{"word":"fees","start":1447.695,"end":1448.0149,"confidence":0.9707031,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.1765768826007843},{"word":"within","start":1448.0149,"end":1448.5149,"confidence":0.99902344,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.10175684839487076},{"word":"cbus","start":1448.815,"end":1449.315,"confidence":0.36108398,"punctuated_word":"Cbus","sentiment":"neutral","sentiment_score":0.15201522409915924},{"word":"and","start":1449.455,"end":1449.855,"confidence":0.9560547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09045811742544174},{"word":"really","start":1449.855,"end":1450.1749,"confidence":0.96972656,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.12076646089553832},{"word":"go","start":1450.1749,"end":1450.335,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.13709402084350586},{"word":"into","start":1450.335,"end":1450.6549,"confidence":0.99609375,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.11904171854257584},{"word":"nitty","start":1450.6549,"end":1450.975,"confidence":0.98291016,"punctuated_word":"nitty","sentiment":"neutral","sentiment_score":0.18530046939849856},{"word":"gritty","start":1450.975,"end":1451.215,"confidence":0.9941406,"punctuated_word":"gritty","sentiment":"neutral","sentiment_score":0.18510881066322327},{"word":"to","start":1451.215,"end":1451.375,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1278437376022339},{"word":"be","start":1451.375,"end":1451.5349,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.17935627698898315},{"word":"able","start":1451.5349,"end":1451.7749,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.19863134622573853},{"word":"to","start":1451.7749,"end":1451.855,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16915105283260343},{"word":"find","start":1451.855,"end":1452.0149,"confidence":1.0,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.15629619359970093},{"word":"out","start":1452.0149,"end":1452.255,"confidence":0.99609375,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.11279414594173431},{"word":"what","start":1452.255,"end":1452.4149,"confidence":0.98291016,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.13579818606376648},{"word":"the","start":1452.4149,"end":1452.575,"confidence":0.57910156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14753487706184387},{"word":"return","start":1452.575,"end":1453.0549,"confidence":0.99609375,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.30236104130744934},{"word":"would","start":1453.0549,"end":1453.215,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.15919741988182068},{"word":"be","start":1453.215,"end":1453.615,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1898200809955597},{"word":"after","start":1453.615,"end":1453.9349,"confidence":0.9863281,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.12573257088661194},{"word":"fees","start":1453.9349,"end":1454.4349,"confidence":0.8833008,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":0.09275148808956146},{"word":"but","start":1454.8949,"end":1455.0549,"confidence":0.99609375,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.2834272086620331},{"word":"that","start":1455.0549,"end":1455.215,"confidence":0.30639648,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.32082831859588623},{"word":"that's","start":1455.2949,"end":1455.5349,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.3229505717754364},{"word":"just","start":1455.5349,"end":1455.7749,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.30422845482826233},{"word":"what","start":1455.7749,"end":1455.9349,"confidence":0.96875,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.40706461668014526},{"word":"they're","start":1455.9349,"end":1456.1749,"confidence":0.9733887,"punctuated_word":"they're","sentiment":"positive","sentiment_score":0.5333108901977539},{"word":"claiming","start":1456.1749,"end":1456.6749,"confidence":1.0,"punctuated_word":"claiming","sentiment":"positive","sentiment_score":0.5253134965896606},{"word":"that","start":1456.76,"end":1456.8401,"confidence":0.7583008,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5397787690162659},{"word":"their","start":1456.8401,"end":1457.16,"confidence":0.9819336,"punctuated_word":"their","sentiment":"positive","sentiment_score":0.45773136615753174},{"word":"portfolio","start":1457.16,"end":1457.64,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.4598305821418762},{"word":"can","start":1457.64,"end":1458.04,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.5015311241149902},{"word":"achieve","start":1458.04,"end":1458.52,"confidence":0.99902344,"punctuated_word":"achieve","sentiment":"positive","sentiment_score":0.5439415574073792},{"word":"in","start":1458.52,"end":1458.68,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4493465423583984},{"word":"the","start":1458.68,"end":1458.8401,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4227217137813568},{"word":"last","start":1458.8401,"end":1459.16,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.26983147859573364},{"word":"twelve","start":1459.16,"end":1459.4,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.32039007544517517},{"word":"months","start":1459.4,"end":1459.7201,"confidence":0.9980469,"punctuated_word":"months","sentiment":"positive","sentiment_score":0.37347766757011414},{"word":"or","start":1459.7201,"end":1459.88,"confidence":0.96875,"punctuated_word":"or","sentiment":"positive","sentiment_score":0.49836623668670654},{"word":"in","start":1459.88,"end":1459.9601,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.39135801792144775},{"word":"the","start":1459.9601,"end":1460.12,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3281797766685486},{"word":"last","start":1460.12,"end":1460.3601,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.2030872702598572},{"word":"one","start":1460.3601,"end":1460.6001,"confidence":0.85595703,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.24352321028709412},{"word":"year","start":1460.6001,"end":1460.8401,"confidence":0.4189453,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.25899720191955566},{"word":"up","start":1460.8401,"end":1461.0,"confidence":0.81640625,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.19203971326351169},{"word":"to","start":1461.0,"end":1461.0801,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18331240117549896},{"word":"the","start":1461.0801,"end":1461.2401,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2037440687417984},{"word":"june","start":1461.2401,"end":1461.81,"confidence":0.9996745,"punctuated_word":"June","sentiment":"neutral","sentiment_score":0.14557555317878723},{"word":"30","start":1461.81,"end":1462.38,"confidence":0.9996745,"punctuated_word":"30.","sentiment":"neutral","sentiment_score":0.16931697726249695},{"word":"yeah","start":1476.0549,"end":1476.375,"confidence":0.88793945,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11428431421518326},{"word":"we","start":1476.375,"end":1476.5349,"confidence":0.9941406,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.12096458673477171},{"word":"can","start":1476.5349,"end":1476.855,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.13859666883945465},{"word":"we","start":1476.855,"end":1477.095,"confidence":0.8588867,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12709100544452667},{"word":"can","start":1477.095,"end":1477.335,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15635056793689728},{"word":"do","start":1477.335,"end":1477.495,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.14143407344818115},{"word":"that","start":1477.495,"end":1477.995,"confidence":0.9941406,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.1232747808098793},{"word":"we","start":1478.1349,"end":1478.375,"confidence":0.6074219,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.0312206968665123},{"word":"don't","start":1478.375,"end":1478.7749,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.01671670749783516},{"word":"because","start":1478.7749,"end":1479.2749,"confidence":0.9243164,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.0004646256566047669},{"word":"there's","start":1479.335,"end":1479.575,"confidence":0.99658203,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.008615836501121521},{"word":"so","start":1479.575,"end":1479.815,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.01960981637239456},{"word":"many","start":1479.815,"end":1479.975,"confidence":1.0,"punctuated_word":"many","sentiment":"neutral","sentiment_score":0.006089508533477783},{"word":"other","start":1479.975,"end":1480.215,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.03775207698345184},{"word":"factors","start":1480.215,"end":1480.615,"confidence":1.0,"punctuated_word":"factors","sentiment":"neutral","sentiment_score":0.022203557193279263},{"word":"to","start":1480.615,"end":1480.7749,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0028685107827186584},{"word":"take","start":1480.7749,"end":1480.9349,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.009981110692024233},{"word":"into","start":1480.9349,"end":1481.255,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.007726497948169708},{"word":"account","start":1481.255,"end":1481.755,"confidence":0.91674805,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":-0.0027225911617279053},{"word":"but","start":1482.67,"end":1482.91,"confidence":0.9824219,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.07340289652347565},{"word":"yeah","start":1482.91,"end":1483.23,"confidence":0.9970703,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.12136654555797576},{"word":"i","start":1483.23,"end":1483.31,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14842578768730164},{"word":"can","start":1483.31,"end":1483.47,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.13780483603477478},{"word":"go","start":1483.47,"end":1483.7101,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.12138967216014862},{"word":"back","start":1483.7101,"end":1483.87,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.1172342598438263},{"word":"and","start":1483.87,"end":1484.03,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15089017152786255},{"word":"have","start":1484.03,"end":1484.1101,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16184252500534058},{"word":"a","start":1484.1101,"end":1484.1901,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16569575667381287},{"word":"look","start":1484.1901,"end":1484.31,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.12379840761423112},{"word":"at","start":1484.31,"end":1484.43,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1771567165851593},{"word":"that","start":1484.43,"end":1484.5901,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17077158391475675},{"word":"and","start":1484.5901,"end":1484.75,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16331957280635834},{"word":"compare","start":1484.75,"end":1485.15,"confidence":1.0,"punctuated_word":"compare","sentiment":"neutral","sentiment_score":0.12508073449134827},{"word":"it","start":1485.15,"end":1485.23,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.23957599699497223},{"word":"for","start":1485.23,"end":1485.39,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2011999487876892},{"word":"you","start":1485.39,"end":1485.63,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1821461319923401},{"word":"if","start":1485.63,"end":1485.7101,"confidence":0.8613281,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.19074496626853943},{"word":"you","start":1485.7101,"end":1485.87,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1564367264509201},{"word":"like","start":1485.87,"end":1486.11,"confidence":0.9916992,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":0.15443462133407593},{"word":"i'll","start":1486.11,"end":1486.27,"confidence":0.9970703,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.11587385833263396},{"word":"have","start":1486.27,"end":1486.43,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13109605014324188},{"word":"to","start":1486.43,"end":1486.51,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.119119293987751},{"word":"send","start":1486.51,"end":1486.75,"confidence":0.99902344,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.10259310156106947},{"word":"you","start":1486.75,"end":1486.8301,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12481531500816344},{"word":"an","start":1486.8301,"end":1486.99,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.08713103830814362},{"word":"email","start":1486.99,"end":1487.39,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.111349418759346},{"word":"after","start":1487.39,"end":1487.63,"confidence":0.9980469,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.07380877435207367},{"word":"the","start":1487.63,"end":1487.79,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07276791334152222},{"word":"call","start":1487.79,"end":1488.11,"confidence":0.99902344,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.08744767308235168},{"word":"to","start":1488.11,"end":1488.1901,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09233717620372772},{"word":"do","start":1488.1901,"end":1488.35,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09082821011543274},{"word":"so","start":1488.35,"end":1488.85,"confidence":0.9995117,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.09200403094291688},{"word":"is","start":1490.03,"end":1490.53,"confidence":0.3046875,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.07622180879116058},{"word":"just","start":1490.75,"end":1490.99,"confidence":0.9863281,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09586213529109956},{"word":"growing","start":1490.99,"end":1491.39,"confidence":0.9663086,"punctuated_word":"growing.","sentiment":"neutral","sentiment_score":0.10716643184423448},{"word":"we","start":1491.39,"end":1491.55,"confidence":0.95410156,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.05000276863574982},{"word":"only","start":1491.55,"end":1491.7101,"confidence":0.95166016,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.06983038038015366},{"word":"want","start":1491.7101,"end":1491.9501,"confidence":0.9316406,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.08296450972557068},{"word":"a","start":1491.9501,"end":1492.03,"confidence":0.8535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10353509336709976},{"word":"real","start":1492.03,"end":1492.27,"confidence":0.34545898,"punctuated_word":"real","sentiment":"neutral","sentiment_score":0.05811969935894013},{"word":"estate","start":1492.27,"end":1492.51,"confidence":0.81640625,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.08393649756908417},{"word":"holder","start":1492.51,"end":1492.91,"confidence":0.90527344,"punctuated_word":"holder","sentiment":"neutral","sentiment_score":0.09237191826105118},{"word":"as","start":1492.91,"end":1492.99,"confidence":0.78222656,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06623826920986176},{"word":"a","start":1492.99,"end":1493.0701,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07769604027271271},{"word":"small","start":1493.0701,"end":1493.39,"confidence":0.99902344,"punctuated_word":"small","sentiment":"neutral","sentiment_score":0.0762176364660263},{"word":"amount","start":1493.39,"end":1493.79,"confidence":0.8894043,"punctuated_word":"amount.","sentiment":"neutral","sentiment_score":0.0679762065410614},{"word":"but","start":1493.79,"end":1494.03,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.06880707293748856},{"word":"at","start":1494.03,"end":1494.1901,"confidence":0.9790039,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06087405979633331},{"word":"the","start":1494.1901,"end":1494.27,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03828393667936325},{"word":"same","start":1494.27,"end":1494.51,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.07835673540830612},{"word":"time","start":1494.51,"end":1494.8301,"confidence":0.9975586,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.07374311983585358},{"word":"if","start":1494.8301,"end":1495.0701,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07647302746772766},{"word":"you're","start":1495.0701,"end":1495.5701,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.03266846388578415},{"word":"more","start":1495.63,"end":1495.87,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.020764268934726715},{"word":"comfortable","start":1495.87,"end":1496.37,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.017392978072166443},{"word":"being","start":1496.43,"end":1496.5901,"confidence":0.98095703,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.03437654674053192},{"word":"in","start":1496.5901,"end":1497.0901,"confidence":0.88671875,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.038228102028369904},{"word":"and","start":1497.135,"end":1497.535,"confidence":0.62646484,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.048218220472335815},{"word":"you","start":1497.535,"end":1497.855,"confidence":0.98828125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08762515336275101},{"word":"prefer","start":1497.855,"end":1498.175,"confidence":0.97265625,"punctuated_word":"prefer","sentiment":"neutral","sentiment_score":0.11654816567897797},{"word":"just","start":1498.175,"end":1498.495,"confidence":0.99121094,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14383798837661743},{"word":"to","start":1498.495,"end":1498.575,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12853848934173584},{"word":"have","start":1498.575,"end":1498.8151,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16110318899154663},{"word":"everything","start":1498.8151,"end":1499.135,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.17778189480304718},{"word":"in","start":1499.135,"end":1499.295,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14646780490875244},{"word":"one","start":1499.295,"end":1499.455,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.13092011213302612},{"word":"place","start":1499.455,"end":1499.775,"confidence":0.9980469,"punctuated_word":"place,","sentiment":"neutral","sentiment_score":0.13414543867111206},{"word":"you're","start":1499.775,"end":1500.255,"confidence":0.9902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.11821991205215454},{"word":"fine","start":1500.255,"end":1500.495,"confidence":0.9873047,"punctuated_word":"fine","sentiment":"neutral","sentiment_score":0.0918237715959549},{"word":"to","start":1500.495,"end":1500.655,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06182822585105896},{"word":"roll","start":1500.655,"end":1500.8151,"confidence":0.9970703,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":0.005675718188285828},{"word":"back","start":1500.8151,"end":1501.135,"confidence":0.9758301,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":0.0002191588282585144},{"word":"i","start":1501.135,"end":1501.215,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0012743249535560608},{"word":"mean","start":1501.215,"end":1501.455,"confidence":0.9995117,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.042092736810445786},{"word":"as","start":1501.455,"end":1501.615,"confidence":0.98828125,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.038974784314632416},{"word":"i've","start":1501.615,"end":1501.775,"confidence":0.9472656,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.032953791320323944},{"word":"kinda","start":1501.775,"end":1502.095,"confidence":0.6870117,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.04170195385813713},{"word":"said","start":1502.095,"end":1502.255,"confidence":0.9951172,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.05655760318040848},{"word":"before","start":1502.255,"end":1502.575,"confidence":0.99853516,"punctuated_word":"before,","sentiment":"neutral","sentiment_score":0.019977785646915436},{"word":"you're","start":1502.575,"end":1502.8151,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.015452481806278229},{"word":"not","start":1502.8151,"end":1503.215,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.03419464826583862},{"word":"in","start":1503.215,"end":1503.455,"confidence":0.88183594,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.044734448194503784},{"word":"any","start":1503.455,"end":1503.615,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.06936822086572647},{"word":"way","start":1503.615,"end":1503.855,"confidence":0.8913574,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":-0.0606132447719574},{"word":"shape","start":1503.855,"end":1504.175,"confidence":0.98706055,"punctuated_word":"shape,","sentiment":"neutral","sentiment_score":-0.05712633579969406},{"word":"or","start":1504.175,"end":1504.255,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.06455139815807343},{"word":"form","start":1504.255,"end":1504.655,"confidence":1.0,"punctuated_word":"form","sentiment":"neutral","sentiment_score":-0.05275958776473999},{"word":"held","start":1504.655,"end":1505.135,"confidence":0.80615234,"punctuated_word":"held","sentiment":"neutral","sentiment_score":-0.04173968732357025},{"word":"to","start":1505.135,"end":1505.375,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.042818911373615265},{"word":"stay","start":1505.375,"end":1505.875,"confidence":0.99609375,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":0.005689933896064758},{"word":"in","start":1505.935,"end":1506.415,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.020586296916007996},{"word":"hub","start":1506.415,"end":1506.735,"confidence":0.8173828,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.027123160660266876},{"word":"twenty","start":1506.735,"end":1507.055,"confidence":0.9970703,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.0258273184299469},{"word":"four","start":1507.055,"end":1507.295,"confidence":1.0,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.0012067481875419617},{"word":"or","start":1507.295,"end":1507.455,"confidence":0.9707031,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.017474748194217682},{"word":"with","start":1507.455,"end":1507.6951,"confidence":0.9667969,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0025148391723632812},{"word":"us","start":1507.6951,"end":1507.855,"confidence":0.9921875,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.03586073964834213},{"word":"as","start":1507.855,"end":1508.015,"confidence":0.9902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.02706831693649292},{"word":"your","start":1508.015,"end":1508.255,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.01110299676656723},{"word":"advisers","start":1508.255,"end":1508.755,"confidence":0.7229004,"punctuated_word":"advisers.","sentiment":"neutral","sentiment_score":0.0043231770396232605},{"word":"if","start":1509.47,"end":1509.63,"confidence":0.9873047,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.02590326964855194},{"word":"you","start":1509.63,"end":1509.87,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07408958673477173},{"word":"kinda","start":1509.87,"end":1510.1901,"confidence":0.96972656,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.07749680429697037},{"word":"wanna","start":1510.1901,"end":1510.51,"confidence":0.9941406,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.10528296232223512},{"word":"roll","start":1510.51,"end":1510.75,"confidence":0.9980469,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":0.042246341705322266},{"word":"things","start":1510.75,"end":1510.99,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.01178760826587677},{"word":"back","start":1510.99,"end":1511.15,"confidence":0.99121094,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.06234480440616608},{"word":"and","start":1511.15,"end":1511.39,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.017464354634284973},{"word":"just","start":1511.39,"end":1511.55,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07260231673717499},{"word":"wanna","start":1511.55,"end":1511.79,"confidence":0.99609375,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.13283824920654297},{"word":"be","start":1511.79,"end":1511.9501,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.16070348024368286},{"word":"in","start":1511.9501,"end":1512.11,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12893834710121155},{"word":"one","start":1512.11,"end":1512.27,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.09821020066738129},{"word":"place","start":1512.27,"end":1512.59,"confidence":1.0,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.11521165072917938},{"word":"and","start":1512.59,"end":1512.8301,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10325489193201064},{"word":"prefer","start":1512.8301,"end":1513.15,"confidence":0.984375,"punctuated_word":"prefer","sentiment":"neutral","sentiment_score":0.1605057716369629},{"word":"to","start":1513.15,"end":1513.23,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.144758939743042},{"word":"go","start":1513.23,"end":1513.39,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1256992518901825},{"word":"back","start":1513.39,"end":1513.55,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.13533467054367063},{"word":"to","start":1513.55,"end":1513.7101,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09074661880731584},{"word":"an","start":1513.7101,"end":1513.87,"confidence":0.8959961,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.09775093197822572},{"word":"industry","start":1513.87,"end":1514.27,"confidence":0.9863281,"punctuated_word":"industry","sentiment":"neutral","sentiment_score":0.08585821837186813},{"word":"fund","start":1514.27,"end":1514.51,"confidence":0.95410156,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.13916361331939697},{"word":"you","start":1514.51,"end":1514.8301,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2657315731048584},{"word":"absolutely","start":1514.8301,"end":1515.3301,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.32042714953422546},{"word":"can","start":1515.39,"end":1515.63,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.3283417224884033},{"word":"do","start":1515.63,"end":1516.13,"confidence":0.9855957,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.18538379669189453},{"word":"you","start":1516.43,"end":1516.59,"confidence":0.9873047,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.1172383651137352},{"word":"just","start":1516.59,"end":1516.8301,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13142451643943787},{"word":"initiate","start":1516.8301,"end":1517.31,"confidence":1.0,"punctuated_word":"initiate","sentiment":"neutral","sentiment_score":0.09450394660234453},{"word":"the","start":1517.31,"end":1517.47,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09734935313463212},{"word":"rollover","start":1517.47,"end":1517.9501,"confidence":0.8151042,"punctuated_word":"rollover.","sentiment":"neutral","sentiment_score":0.0977252721786499},{"word":"let","start":1517.9501,"end":1518.1901,"confidence":1.0,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":0.10183776915073396},{"word":"us","start":1518.1901,"end":1518.35,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.13185861706733704},{"word":"know","start":1518.35,"end":1518.51,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.1321088969707489},{"word":"that","start":1518.51,"end":1518.67,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11679532378911972},{"word":"that's","start":1518.67,"end":1518.99,"confidence":0.9975586,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.13363558053970337},{"word":"what","start":1518.99,"end":1519.15,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.10853268206119536},{"word":"you","start":1519.15,"end":1519.31,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12013683468103407},{"word":"wanna","start":1519.31,"end":1519.63,"confidence":0.9980469,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.13243263959884644},{"word":"do","start":1519.63,"end":1519.79,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11148245632648468},{"word":"and","start":1519.79,"end":1519.9501,"confidence":0.91503906,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11945103108882904},{"word":"that","start":1519.9501,"end":1520.1901,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09741023927927016},{"word":"you","start":1520.1901,"end":1520.35,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0941389948129654},{"word":"plan","start":1520.35,"end":1520.59,"confidence":0.99902344,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.05869795382022858},{"word":"to","start":1520.59,"end":1520.75,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07636561989784241},{"word":"roll","start":1520.75,"end":1521.165,"confidence":0.9980469,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":0.0907478854060173},{"word":"back","start":1521.645,"end":1521.885,"confidence":0.8132324,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":0.012232712469995022},{"word":"we'll","start":1521.885,"end":1522.125,"confidence":0.97631836,"punctuated_word":"We'll","sentiment":"positive","sentiment_score":0.4682832658290863},{"word":"absolutely","start":1522.125,"end":1522.625,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.6521772146224976},{"word":"help","start":1522.685,"end":1522.925,"confidence":1.0,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.5836031436920166},{"word":"you","start":1522.925,"end":1523.2451,"confidence":0.91430664,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.3252941370010376},{"word":"it","start":1523.2451,"end":1523.5651,"confidence":0.4802246,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.05788306146860123},{"word":"yeah","start":1523.9651,"end":1524.4651,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05762540176510811},{"word":"yeah","start":1525.3251,"end":1525.8251,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04198768734931946},{"word":"yeah","start":1527.7251,"end":1528.2251,"confidence":0.9848633,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0921768918633461},{"word":"mhmm","start":1529.645,"end":1530.145,"confidence":0.8815918,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.01582184061408043},{"word":"you're","start":1545.26,"end":1545.5,"confidence":0.86035156,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.07732230424880981},{"word":"right","start":1545.5,"end":1546.0,"confidence":0.89868164,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.0844731256365776},{"word":"mhmm","start":1556.175,"end":1556.675,"confidence":0.9075928,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.13796259462833405},{"word":"yeah","start":1561.615,"end":1562.115,"confidence":0.9748535,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07262301445007324},{"word":"yeah","start":1578.755,"end":1579.255,"confidence":0.90527344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.050649479031562805},{"word":"that's","start":1582.275,"end":1582.6749,"confidence":0.98999023,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.07106669247150421},{"word":"okay","start":1582.6749,"end":1583.1749,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.15674401819705963},{"word":"yeah","start":1583.955,"end":1584.355,"confidence":0.9921875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05954454094171524},{"word":"that's","start":1584.355,"end":1584.6749,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2191358059644699},{"word":"fine","start":1584.6749,"end":1585.1749,"confidence":1.0,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.2966376543045044},{"word":"it's","start":1585.235,"end":1585.475,"confidence":0.8718262,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.4318595826625824},{"word":"honestly","start":1585.475,"end":1585.975,"confidence":0.98095703,"punctuated_word":"honestly","sentiment":"positive","sentiment_score":0.344552218914032},{"word":"okay","start":1586.0349,"end":1586.355,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"positive","sentiment_score":0.45052146911621094},{"word":"it's","start":1586.355,"end":1586.515,"confidence":1.0,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.4485859274864197},{"word":"not","start":1586.515,"end":1586.755,"confidence":1.0,"punctuated_word":"not","sentiment":"positive","sentiment_score":0.4297028779983521},{"word":"a","start":1586.755,"end":1586.9149,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.40435990691185},{"word":"problem","start":1586.9149,"end":1587.1549,"confidence":1.0,"punctuated_word":"problem","sentiment":"positive","sentiment_score":0.43790730834007263},{"word":"at","start":1587.1549,"end":1587.315,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.4894793927669525},{"word":"all","start":1587.315,"end":1587.635,"confidence":1.0,"punctuated_word":"all.","sentiment":"positive","sentiment_score":0.4432148039340973},{"word":"i'm","start":1587.635,"end":1587.875,"confidence":0.97875977,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.23963019251823425},{"word":"also","start":1587.875,"end":1588.115,"confidence":0.9951172,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1858696341514587},{"word":"just","start":1588.115,"end":1588.275,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.19065514206886292},{"word":"having","start":1588.275,"end":1588.515,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.16973528265953064},{"word":"a","start":1588.515,"end":1588.595,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1564353108406067},{"word":"look","start":1588.595,"end":1588.755,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.09640754759311676},{"word":"at","start":1588.755,"end":1588.835,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.12148052453994752},{"word":"the","start":1588.835,"end":1588.995,"confidence":0.92578125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11059652268886566},{"word":"from","start":1588.995,"end":1589.315,"confidence":0.77978516,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.10869720578193665},{"word":"inception","start":1589.315,"end":1589.7949,"confidence":0.99316406,"punctuated_word":"inception","sentiment":"neutral","sentiment_score":0.12817955017089844},{"word":"report","start":1589.7949,"end":1590.195,"confidence":0.96875,"punctuated_word":"report.","sentiment":"neutral","sentiment_score":0.1597924381494522},{"word":"so","start":1590.195,"end":1590.355,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1187010109424591},{"word":"you","start":1590.355,"end":1590.595,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14673390984535217},{"word":"came","start":1590.595,"end":1590.835,"confidence":1.0,"punctuated_word":"came","sentiment":"neutral","sentiment_score":0.1500522941350937},{"word":"on","start":1590.835,"end":1590.995,"confidence":0.66796875,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.16393589973449707},{"word":"board","start":1590.995,"end":1591.235,"confidence":0.99902344,"punctuated_word":"board","sentiment":"neutral","sentiment_score":0.1721843779087067},{"word":"here","start":1591.235,"end":1591.475,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.10963733494281767},{"word":"in","start":1591.475,"end":1591.635,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1272101849317551},{"word":"2023","start":1591.635,"end":1592.4,"confidence":0.9930013,"punctuated_word":"2023.","sentiment":"neutral","sentiment_score":0.15518876910209656},{"word":"you've","start":1592.4,"end":1592.8,"confidence":1.0,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.21218733489513397},{"word":"almost","start":1592.8,"end":1593.12,"confidence":0.99902344,"punctuated_word":"almost","sentiment":"neutral","sentiment_score":0.2725847661495209},{"word":"been","start":1593.12,"end":1593.36,"confidence":0.99316406,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.207920104265213},{"word":"on","start":1593.36,"end":1593.76,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.17385895550251007},{"word":"essentially","start":1593.76,"end":1594.16,"confidence":0.85595703,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.19327551126480105},{"word":"for","start":1594.16,"end":1594.4,"confidence":0.9951172,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14533749222755432},{"word":"three","start":1594.4,"end":1594.56,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.15816669166088104},{"word":"years","start":1594.56,"end":1594.88,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.15770073235034943},{"word":"there","start":1594.88,"end":1595.38,"confidence":0.8112793,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.1378350704908371},{"word":"and","start":1595.76,"end":1595.92,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12255606055259705},{"word":"your","start":1595.92,"end":1596.16,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2119879275560379},{"word":"portfolio","start":1596.16,"end":1596.66,"confidence":0.99902344,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.3570723235607147},{"word":"over","start":1597.12,"end":1597.4401,"confidence":0.9223633,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.3527924120426178},{"word":"the","start":1597.4401,"end":1597.52,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.31914570927619934},{"word":"last","start":1597.52,"end":1597.8401,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.2728291153907776},{"word":"three","start":1597.8401,"end":1598.0801,"confidence":0.9980469,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.23867595195770264},{"word":"years","start":1598.0801,"end":1598.4,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.3085417151451111},{"word":"has","start":1598.4,"end":1598.7201,"confidence":0.9980469,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.32539498805999756},{"word":"returned","start":1598.7201,"end":1599.12,"confidence":0.99902344,"punctuated_word":"returned","sentiment":"positive","sentiment_score":0.4823669195175171},{"word":"a","start":1599.12,"end":1599.36,"confidence":0.93847656,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.48122304677963257},{"word":"29.13%","start":1599.36,"end":1601.12,"confidence":0.9995117,"punctuated_word":"29.13%","sentiment":"positive","sentiment_score":0.45838356018066406},{"word":"return","start":1601.12,"end":1601.6001,"confidence":0.9980469,"punctuated_word":"return.","sentiment":"positive","sentiment_score":0.3955350518226623},{"word":"it's","start":1601.6001,"end":1601.8401,"confidence":0.9980469,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.3048892021179199},{"word":"made","start":1601.8401,"end":1602.16,"confidence":1.0,"punctuated_word":"made","sentiment":"positive","sentiment_score":0.37325531244277954},{"word":"about","start":1602.16,"end":1602.4801,"confidence":1.0,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.35577890276908875},{"word":"$69,000","start":1602.4801,"end":1603.92,"confidence":0.9998373,"punctuated_word":"$69,000","sentiment":"positive","sentiment_score":0.40352973341941833},{"word":"in","start":1603.92,"end":1604.24,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3430047035217285},{"word":"income","start":1604.24,"end":1604.7201,"confidence":1.0,"punctuated_word":"income","sentiment":"positive","sentiment_score":0.35423335433006287},{"word":"plus","start":1604.7201,"end":1605.12,"confidence":0.9892578,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":0.25245335698127747},{"word":"growth","start":1605.12,"end":1605.52,"confidence":0.99121094,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.2997108995914459},{"word":"as","start":1605.52,"end":1605.68,"confidence":0.984375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.308860182762146},{"word":"a","start":1605.68,"end":1605.76,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2694798409938812},{"word":"dollar","start":1605.76,"end":1606.0801,"confidence":0.99121094,"punctuated_word":"dollar","sentiment":"neutral","sentiment_score":0.1974164992570877},{"word":"figure","start":1606.0801,"end":1606.485,"confidence":0.9946289,"punctuated_word":"figure.","sentiment":"neutral","sentiment_score":0.26296907663345337},{"word":"if","start":1607.045,"end":1607.365,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.14850172400474548},{"word":"i","start":1607.365,"end":1607.605,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19891902804374695},{"word":"divide","start":1607.605,"end":1608.005,"confidence":0.99902344,"punctuated_word":"divide","sentiment":"neutral","sentiment_score":0.3315495252609253},{"word":"this","start":1608.005,"end":1608.485,"confidence":0.98828125,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.14902988076210022},{"word":"twenty","start":1608.485,"end":1608.885,"confidence":0.9921875,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.2575696110725403},{"word":"nine","start":1608.885,"end":1609.205,"confidence":1.0,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":0.1667950004339218},{"word":"point","start":1609.205,"end":1609.605,"confidence":1.0,"punctuated_word":"point","sentiment":"neutral","sentiment_score":0.16172882914543152},{"word":"one","start":1609.605,"end":1609.845,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.14812111854553223},{"word":"three","start":1609.845,"end":1610.325,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.15859255194664},{"word":"by","start":1610.325,"end":1610.825,"confidence":0.984375,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.1441468596458435},{"word":"the","start":1611.285,"end":1611.445,"confidence":0.98291016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.153465136885643},{"word":"three","start":1611.445,"end":1611.765,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.1220732107758522},{"word":"years","start":1611.765,"end":1612.165,"confidence":0.99853516,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.14986521005630493},{"word":"you've","start":1612.165,"end":1612.485,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.24685418605804443},{"word":"made","start":1612.485,"end":1612.645,"confidence":1.0,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.270740807056427},{"word":"an","start":1612.645,"end":1612.885,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.30380508303642273},{"word":"average","start":1612.885,"end":1613.205,"confidence":1.0,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.19128498435020447},{"word":"of","start":1613.205,"end":1613.445,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2750438451766968},{"word":"9.71%","start":1613.445,"end":1615.205,"confidence":0.99306643,"punctuated_word":"9.71%.","sentiment":"neutral","sentiment_score":0.18097350001335144},{"word":"so","start":1615.205,"end":1615.705,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.01208275556564331},{"word":"whilst","start":1616.085,"end":1616.485,"confidence":0.9301758,"punctuated_word":"whilst","sentiment":"neutral","sentiment_score":-0.08877567946910858},{"word":"this","start":1616.485,"end":1616.8049,"confidence":0.9902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.07912655919790268},{"word":"one","start":1616.8049,"end":1617.125,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.14357411861419678},{"word":"year","start":1617.125,"end":1617.525,"confidence":0.9875488,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.167869433760643},{"word":"it","start":1617.525,"end":1617.6849,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.21561655402183533},{"word":"is","start":1617.6849,"end":1617.9249,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.15943410992622375},{"word":"showing","start":1617.9249,"end":1618.325,"confidence":0.99902344,"punctuated_word":"showing","sentiment":"neutral","sentiment_score":-0.09486227482557295},{"word":"less","start":1618.325,"end":1618.565,"confidence":0.99609375,"punctuated_word":"less","sentiment":"neutral","sentiment_score":-0.13425908982753754},{"word":"than","start":1618.565,"end":1618.86,"confidence":0.9921875,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.1921529471874237},{"word":"what","start":1618.94,"end":1619.1799,"confidence":0.9941406,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.005090281367301941},{"word":"the","start":1619.1799,"end":1619.26,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11114079505205154},{"word":"c","start":1619.26,"end":1619.34,"confidence":0.3630371,"punctuated_word":"c","sentiment":"neutral","sentiment_score":-0.07401886582374573},{"word":"bus","start":1619.34,"end":1619.82,"confidence":0.8183594,"punctuated_word":"bus","sentiment":"neutral","sentiment_score":-0.09798140823841096},{"word":"fund","start":1619.82,"end":1620.14,"confidence":0.9941406,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.031848758459091187},{"word":"has","start":1620.14,"end":1620.64,"confidence":0.99316406,"punctuated_word":"has,","sentiment":"neutral","sentiment_score":-0.05691753327846527},{"word":"you","start":1620.78,"end":1620.94,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05720362067222595},{"word":"know","start":1620.94,"end":1621.34,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.014505736529827118},{"word":"returned","start":1621.34,"end":1621.84,"confidence":0.9980469,"punctuated_word":"returned","sentiment":"neutral","sentiment_score":0.1668241322040558},{"word":"as","start":1621.9,"end":1622.0599,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06861691176891327},{"word":"a","start":1622.0599,"end":1622.22,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.051209770143032074},{"word":"growth","start":1622.22,"end":1622.72,"confidence":0.70703125,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":-0.00986865907907486},{"word":"as","start":1623.58,"end":1623.82,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05794084072113037},{"word":"a","start":1623.82,"end":1623.98,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04456161707639694},{"word":"growth","start":1623.98,"end":1624.38,"confidence":0.96435547,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.08061613142490387},{"word":"performance","start":1624.38,"end":1624.86,"confidence":0.9277344,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.08451478183269501},{"word":"on","start":1624.86,"end":1625.02,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.030454561114311215},{"word":"their","start":1625.02,"end":1625.26,"confidence":0.9980469,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.03803719580173493},{"word":"website","start":1625.26,"end":1625.76,"confidence":0.8046875,"punctuated_word":"website,","sentiment":"neutral","sentiment_score":0.05929996445775032},{"word":"when","start":1626.2999,"end":1626.54,"confidence":0.9980469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.05913185328245163},{"word":"you","start":1626.54,"end":1626.78,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03201726824045181},{"word":"kinda","start":1626.78,"end":1627.1,"confidence":0.5385742,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.006698824465274811},{"word":"take","start":1627.1,"end":1627.34,"confidence":0.99902344,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.022386744618415833},{"word":"that","start":1627.34,"end":1627.58,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.008538447320461273},{"word":"29","start":1627.58,"end":1628.2999,"confidence":0.9815674,"punctuated_word":"29,","sentiment":"neutral","sentiment_score":0.018395403400063515},{"word":"29.13%","start":1628.7,"end":1630.2999,"confidence":0.99886066,"punctuated_word":"29.13%"},{"word":"and","start":1630.2999,"end":1630.54,"confidence":0.9838867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06810879707336426},{"word":"divide","start":1630.54,"end":1630.86,"confidence":0.99902344,"punctuated_word":"divide","sentiment":"neutral","sentiment_score":0.14255070686340332},{"word":"that","start":1630.86,"end":1631.02,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10924065113067628},{"word":"by","start":1631.02,"end":1631.1799,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.07492021471261978},{"word":"the","start":1631.1799,"end":1631.34,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08437075465917587},{"word":"three","start":1631.34,"end":1631.66,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.0568542517721653},{"word":"years","start":1631.66,"end":1631.9,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.09451096504926682},{"word":"that","start":1631.9,"end":1632.0599,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09058096259832382},{"word":"you've","start":1632.0599,"end":1632.2999,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.13165390491485596},{"word":"now","start":1632.2999,"end":1632.54,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.1631210297346115},{"word":"been","start":1632.54,"end":1632.795,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.17495764791965485},{"word":"on","start":1632.795,"end":1633.035,"confidence":0.61083984,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1354658305644989},{"word":"board","start":1633.035,"end":1633.535,"confidence":0.970459,"punctuated_word":"board,","sentiment":"neutral","sentiment_score":0.14437702298164368},{"word":"you've","start":1633.755,"end":1633.915,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.3067801296710968},{"word":"averaged","start":1633.915,"end":1634.3151,"confidence":0.9902344,"punctuated_word":"averaged","sentiment":"neutral","sentiment_score":0.29487326741218567},{"word":"about","start":1634.3151,"end":1634.635,"confidence":0.9453125,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.24513202905654907},{"word":"a","start":1634.635,"end":1634.7151,"confidence":0.96533203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.31029844284057617},{"word":"9.71","start":1634.7151,"end":1636.395,"confidence":0.9938965,"punctuated_word":"9.71,","sentiment":"neutral","sentiment_score":0.1956031769514084},{"word":"which","start":1636.395,"end":1636.635,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.3334919214248657},{"word":"is","start":1636.635,"end":1636.9551,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4794769883155823},{"word":"better","start":1636.9551,"end":1637.275,"confidence":0.99902344,"punctuated_word":"better","sentiment":"positive","sentiment_score":0.3745124936103821},{"word":"than","start":1637.275,"end":1637.435,"confidence":1.0,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.41020774841308594},{"word":"what","start":1637.435,"end":1637.675,"confidence":0.99902344,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.39411988854408264},{"word":"they","start":1637.675,"end":1637.915,"confidence":0.9970703,"punctuated_word":"they","sentiment":"positive","sentiment_score":0.39806661009788513},{"word":"have","start":1637.915,"end":1638.0751,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.41984811425209045},{"word":"done","start":1638.0751,"end":1638.4751,"confidence":0.9995117,"punctuated_word":"done.","sentiment":"positive","sentiment_score":0.35986417531967163},{"word":"so","start":1638.4751,"end":1638.7151,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.31075116991996765},{"word":"when","start":1638.7151,"end":1638.875,"confidence":1.0,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.3890041708946228},{"word":"you","start":1638.875,"end":1639.115,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2917596399784088},{"word":"look","start":1639.115,"end":1639.275,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.2737417221069336},{"word":"at","start":1639.275,"end":1639.515,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.3277902603149414},{"word":"it","start":1639.515,"end":1639.675,"confidence":0.8618164,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5043792128562927},{"word":"overall","start":1639.675,"end":1639.995,"confidence":0.9328613,"punctuated_word":"overall,","sentiment":"positive","sentiment_score":0.4919058084487915},{"word":"the","start":1639.995,"end":1640.235,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6112040877342224},{"word":"compounding","start":1640.235,"end":1640.7151,"confidence":0.99902344,"punctuated_word":"compounding","sentiment":"positive","sentiment_score":0.5969958305358887},{"word":"effect","start":1640.7151,"end":1641.035,"confidence":0.9975586,"punctuated_word":"effect,","sentiment":"positive","sentiment_score":0.6084626913070679},{"word":"you've","start":1641.035,"end":1641.275,"confidence":1.0,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.694537878036499},{"word":"actually","start":1641.275,"end":1641.5951,"confidence":1.0,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.672153115272522},{"word":"done","start":1641.5951,"end":1641.8351,"confidence":1.0,"punctuated_word":"done","sentiment":"positive","sentiment_score":0.6133884787559509},{"word":"better","start":1641.8351,"end":1642.0751,"confidence":0.99902344,"punctuated_word":"better","sentiment":"positive","sentiment_score":0.5832224488258362},{"word":"than","start":1642.0751,"end":1642.235,"confidence":1.0,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.5802575349807739},{"word":"what","start":1642.235,"end":1642.4751,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.566731333732605},{"word":"they're","start":1642.4751,"end":1642.7151,"confidence":0.9941406,"punctuated_word":"they're","sentiment":"positive","sentiment_score":0.5038570165634155},{"word":"claiming","start":1642.7151,"end":1643.115,"confidence":0.99902344,"punctuated_word":"claiming","sentiment":"positive","sentiment_score":0.4435751736164093},{"word":"to","start":1643.115,"end":1643.275,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.36960291862487793},{"word":"do","start":1643.275,"end":1643.515,"confidence":0.94750977,"punctuated_word":"do.","sentiment":"positive","sentiment_score":0.35662972927093506},{"word":"so","start":1643.515,"end":1644.015,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13563042879104614},{"word":"i","start":1644.635,"end":1644.795,"confidence":0.7783203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1077907532453537},{"word":"do","start":1644.795,"end":1645.115,"confidence":0.97509766,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.15969185531139374},{"word":"in","start":1645.3551,"end":1645.515,"confidence":0.99316406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12919965386390686},{"word":"order","start":1645.515,"end":1645.755,"confidence":1.0,"punctuated_word":"order","sentiment":"neutral","sentiment_score":0.08171334862709045},{"word":"to","start":1645.755,"end":1645.915,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08323390781879425},{"word":"kind","start":1645.915,"end":1646.155,"confidence":0.55371094,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.07897801697254181},{"word":"of","start":1646.155,"end":1646.235,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08417434990406036},{"word":"break","start":1646.235,"end":1646.4751,"confidence":0.9667969,"punctuated_word":"break","sentiment":"neutral","sentiment_score":0.06710021942853928},{"word":"down","start":1646.4751,"end":1646.7151,"confidence":0.9980469,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.05605829507112503},{"word":"what","start":1646.7151,"end":1646.875,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.024300754070281982},{"word":"you","start":1646.875,"end":1647.035,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04497785121202469},{"word":"do","start":1647.035,"end":1647.275,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.028142232447862625},{"word":"have","start":1647.275,"end":1647.72,"confidence":0.7104492,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.023115985095500943},{"word":"and","start":1647.72,"end":1647.88,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.00460352748632431},{"word":"don't","start":1647.88,"end":1648.12,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.016276586800813675},{"word":"have","start":1648.12,"end":1648.62,"confidence":0.86938477,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":-0.02813224121928215},{"word":"the","start":1648.9199,"end":1649.1599,"confidence":0.9614258,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.047249890863895416},{"word":"statements","start":1649.1599,"end":1649.64,"confidence":0.6879883,"punctuated_word":"statements","sentiment":"neutral","sentiment_score":-0.03128320723772049},{"word":"or","start":1649.64,"end":1649.7999,"confidence":0.98535156,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.02458394691348076},{"word":"information","start":1649.7999,"end":1650.2,"confidence":0.8154297,"punctuated_word":"information","sentiment":"neutral","sentiment_score":-0.02356002852320671},{"word":"they","start":1650.2,"end":1650.36,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.04892883077263832},{"word":"give","start":1650.36,"end":1650.6,"confidence":0.99121094,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.05113925412297249},{"word":"us","start":1650.6,"end":1650.76,"confidence":0.9291992,"punctuated_word":"us,","sentiment":"neutral","sentiment_score":-0.038236767053604126},{"word":"they","start":1650.76,"end":1650.9199,"confidence":0.9921875,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.0988115519285202},{"word":"don't","start":1650.9199,"end":1651.1599,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.08683592081069946},{"word":"give","start":1651.1599,"end":1651.4,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.06106741726398468},{"word":"us","start":1651.4,"end":1651.64,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.05085993930697441},{"word":"your","start":1651.64,"end":1651.88,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.07474571466445923},{"word":"balance","start":1651.88,"end":1652.28,"confidence":1.0,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":-0.09373995661735536},{"word":"from","start":1652.28,"end":1652.78,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.0484357550740242},{"word":"last","start":1653.08,"end":1653.4,"confidence":0.96240234,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.030551277101039886},{"word":"year","start":1653.4,"end":1653.64,"confidence":0.8376465,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.01963823474943638},{"word":"so","start":1653.64,"end":1653.7999,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.018512852489948273},{"word":"i'd","start":1653.7999,"end":1654.0399,"confidence":0.9995117,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.011245000176131724},{"word":"have","start":1654.0399,"end":1654.28,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.018814075738191605},{"word":"to","start":1654.28,"end":1654.36,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02074243500828743},{"word":"go","start":1654.36,"end":1654.6,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.0022213011980056763},{"word":"back","start":1654.6,"end":1654.84,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.01966174691915512},{"word":"to","start":1654.84,"end":1655.0,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02566099911928177},{"word":"ziva's","start":1655.0,"end":1655.4,"confidence":0.61608887,"punctuated_word":"Ziva's,","sentiment":"neutral","sentiment_score":0.028433246538043026},{"word":"get","start":1655.4,"end":1655.64,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.006256386637687683},{"word":"your","start":1655.64,"end":1655.88,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.052835963666439056},{"word":"balance","start":1655.88,"end":1656.28,"confidence":0.9921875,"punctuated_word":"balance,","sentiment":"neutral","sentiment_score":0.02060562744736671},{"word":"work","start":1656.28,"end":1656.52,"confidence":0.8051758,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.022404618561267853},{"word":"out","start":1656.52,"end":1656.6799,"confidence":0.8881836,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.01840738207101822},{"word":"what","start":1656.6799,"end":1656.84,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.02617913857102394},{"word":"your","start":1656.84,"end":1657.08,"confidence":0.9941406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.041016265749931335},{"word":"fees","start":1657.08,"end":1657.4,"confidence":0.9741211,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.02589750662446022},{"word":"are","start":1657.4,"end":1657.88,"confidence":0.9633789,"punctuated_word":"are,","sentiment":"neutral","sentiment_score":0.0380982980132103},{"word":"and","start":1657.88,"end":1658.2,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03225955739617348},{"word":"do","start":1658.2,"end":1658.36,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0452062264084816},{"word":"the","start":1658.36,"end":1658.52,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.062491536140441895},{"word":"math","start":1658.52,"end":1658.84,"confidence":0.9951172,"punctuated_word":"math","sentiment":"neutral","sentiment_score":0.045446522533893585},{"word":"around","start":1658.84,"end":1659.1599,"confidence":0.951416,"punctuated_word":"around,","sentiment":"neutral","sentiment_score":0.05008811503648758},{"word":"obviously","start":1659.1599,"end":1659.6599,"confidence":0.99853516,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.021497942507267},{"word":"what","start":1660.12,"end":1660.36,"confidence":0.9707031,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.026924699544906616},{"word":"your","start":1660.36,"end":1660.52,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03449806571006775},{"word":"growth","start":1660.52,"end":1660.9199,"confidence":0.9404297,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.03718176856637001},{"word":"rate","start":1660.9199,"end":1661.1599,"confidence":1.0,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.06187819316983223},{"word":"was","start":1661.1599,"end":1661.6599,"confidence":0.99853516,"punctuated_word":"was.","sentiment":"neutral","sentiment_score":0.022097723558545113},{"word":"yeah","start":1665.905,"end":1666.405,"confidence":0.9301758,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04912111908197403},{"word":"if","start":1667.585,"end":1667.745,"confidence":0.4802246,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.0793825089931488},{"word":"you've","start":1667.745,"end":1667.905,"confidence":0.92944336,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.05550152063369751},{"word":"got","start":1667.905,"end":1668.065,"confidence":0.5493164,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.051931727677583694},{"word":"a","start":1668.065,"end":1668.225,"confidence":0.8676758,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04497649148106575},{"word":"state","start":1668.225,"end":1668.385,"confidence":0.51904297,"punctuated_word":"state","sentiment":"neutral","sentiment_score":0.03713390231132507},{"word":"yeah","start":1669.585,"end":1670.085,"confidence":0.9851074,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.029373975470662117},{"word":"yeah","start":1673.4249,"end":1673.745,"confidence":0.68200684,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10387597978115082},{"word":"absolutely","start":1673.745,"end":1674.245,"confidence":0.8015137,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.22396540641784668},{"word":"you","start":1674.465,"end":1674.625,"confidence":0.9941406,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.18353910744190216},{"word":"can","start":1674.625,"end":1674.945,"confidence":0.9995117,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":0.20341241359710693},{"word":"that's","start":1674.945,"end":1675.1849,"confidence":0.9050293,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.16243302822113037},{"word":"not","start":1675.1849,"end":1675.345,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.26855334639549255},{"word":"a","start":1675.345,"end":1675.4249,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17715924978256226},{"word":"problem","start":1675.4249,"end":1675.825,"confidence":1.0,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.15040113031864166},{"word":"at","start":1675.825,"end":1675.985,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.24913018941879272},{"word":"all","start":1675.985,"end":1676.225,"confidence":1.0,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.27620524168014526},{"word":"yeah","start":1676.225,"end":1676.625,"confidence":0.99658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15728041529655457},{"word":"they","start":1676.625,"end":1676.865,"confidence":0.99121094,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.04875741899013519},{"word":"are","start":1676.865,"end":1676.945,"confidence":0.9970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.01583191752433777},{"word":"a","start":1676.945,"end":1677.105,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.041736211627721786},{"word":"little","start":1677.105,"end":1677.265,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.04806056618690491},{"word":"bit","start":1677.265,"end":1677.4249,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.09272748976945876},{"word":"picky","start":1677.4249,"end":1677.745,"confidence":1.0,"punctuated_word":"picky","sentiment":"neutral","sentiment_score":-0.2080925852060318},{"word":"giving","start":1677.745,"end":1678.065,"confidence":0.9863281,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":-0.19122418761253357},{"word":"up","start":1678.065,"end":1678.2,"confidence":0.62060547,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.15641070902347565},{"word":"the","start":1678.2799,"end":1678.44,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10733157396316528},{"word":"information","start":1678.44,"end":1678.6799,"confidence":0.9975586,"punctuated_word":"information.","sentiment":"neutral","sentiment_score":-0.09291557967662813},{"word":"we","start":1678.6799,"end":1679.0,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.018796786665916443},{"word":"only","start":1679.0,"end":1679.24,"confidence":0.99902344,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.04876723885536194},{"word":"have","start":1679.24,"end":1679.48,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.00474654883146286},{"word":"an","start":1679.48,"end":1679.6399,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.021261587738990784},{"word":"authority","start":1679.6399,"end":1680.0599,"confidence":1.0,"punctuated_word":"authority","sentiment":"neutral","sentiment_score":0.03015795350074768},{"word":"to","start":1680.0599,"end":1680.48,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02851928025484085},{"word":"inquire","start":1680.48,"end":1680.8999,"confidence":0.8498535,"punctuated_word":"inquire,","sentiment":"neutral","sentiment_score":0.03717265650629997},{"word":"but","start":1681.32,"end":1681.48,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.05510496348142624},{"word":"i","start":1681.48,"end":1681.5599,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10681307315826416},{"word":"can","start":1681.5599,"end":1681.72,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09242895245552064},{"word":"go","start":1681.72,"end":1681.96,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1014525294303894},{"word":"back","start":1681.96,"end":1682.2,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.11582224071025848},{"word":"and","start":1682.2,"end":1682.2799,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1356477588415146},{"word":"do","start":1682.2799,"end":1682.44,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09597432613372804},{"word":"the","start":1682.44,"end":1682.6,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16945374011993408},{"word":"math","start":1682.6,"end":1682.84,"confidence":0.9970703,"punctuated_word":"math","sentiment":"neutral","sentiment_score":0.14912602305412292},{"word":"for","start":1682.84,"end":1683.0,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17682547867298126},{"word":"you","start":1683.0,"end":1683.1599,"confidence":0.99853516,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.11760181188583374},{"word":"it's","start":1683.1599,"end":1683.3999,"confidence":1.0,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.22160916030406952},{"word":"not","start":1683.3999,"end":1683.5599,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.20620086789131165},{"word":"a","start":1683.5599,"end":1683.72,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2063046097755432},{"word":"problem","start":1683.72,"end":1684.22,"confidence":0.8972168,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.18934902548789975},{"word":"the","start":1684.84,"end":1685.08,"confidence":0.9951172,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.14238682389259338},{"word":"difference","start":1685.08,"end":1685.48,"confidence":0.9970703,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.03345333784818649},{"word":"being","start":1685.48,"end":1685.72,"confidence":0.9921875,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.14572937786579132},{"word":"that","start":1685.72,"end":1685.96,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.053097762167453766},{"word":"we","start":1685.96,"end":1686.12,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2846640646457672},{"word":"also","start":1686.12,"end":1686.36,"confidence":0.9970703,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.2129053771495819},{"word":"yeah","start":1688.2,"end":1688.7,"confidence":0.96069336,"punctuated_word":"yeah.","sentiment":"positive","sentiment_score":0.4150558114051819},{"word":"that's","start":1689.0,"end":1689.24,"confidence":0.95581055,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.3116934895515442},{"word":"okay","start":1689.24,"end":1689.74,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.3151143491268158},{"word":"that's","start":1690.2799,"end":1690.6,"confidence":0.99560547,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.0036742861848324537},{"word":"okay","start":1690.6,"end":1690.965,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.01809734478592873},{"word":"yeah","start":1692.565,"end":1693.065,"confidence":0.99609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.09267647564411163},{"word":"no","start":1705.41,"end":1705.91,"confidence":0.8642578,"punctuated_word":"No.","sentiment":"negative","sentiment_score":-0.41405925154685974},{"word":"absolutely","start":1707.1699,"end":1707.6699,"confidence":0.9663086,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":-0.33026933670043945},{"word":"absolutely","start":1712.37,"end":1712.87,"confidence":0.99853516,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":-0.2578037977218628},{"word":"absolutely","start":1713.8099,"end":1714.3099,"confidence":0.99609375,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":-0.08194130659103394},{"word":"yeah","start":1714.85,"end":1715.09,"confidence":0.857666,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.015522852540016174},{"word":"and","start":1715.09,"end":1715.33,"confidence":0.9951172,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.002132110297679901},{"word":"that's","start":1715.33,"end":1715.49,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.021136485040187836},{"word":"probably","start":1715.49,"end":1715.925,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.008449599146842957},{"word":"one","start":1715.925,"end":1716.0851,"confidence":0.9970703,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.00025631487369537354},{"word":"of","start":1716.0851,"end":1716.165,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.004336133599281311},{"word":"the","start":1716.165,"end":1716.3251,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.014054179191589355},{"word":"biggest","start":1716.3251,"end":1716.5651,"confidence":1.0,"punctuated_word":"biggest","sentiment":"neutral","sentiment_score":-0.004377618432044983},{"word":"things","start":1716.5651,"end":1716.885,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.02142663300037384},{"word":"that","start":1716.885,"end":1717.045,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.037897989153862},{"word":"i","start":1717.045,"end":1717.125,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03110344707965851},{"word":"would","start":1717.125,"end":1717.285,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.021917924284935},{"word":"be","start":1717.285,"end":1717.765,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.013376489281654358},{"word":"wanting","start":1717.765,"end":1718.0851,"confidence":0.99902344,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":-0.01354733109474182},{"word":"to","start":1718.0851,"end":1718.165,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.014214932918548584},{"word":"bring","start":1718.165,"end":1718.405,"confidence":1.0,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":-0.009086839854717256},{"word":"up","start":1718.405,"end":1718.5651,"confidence":0.99609375,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.006880372762680054},{"word":"is","start":1718.5651,"end":1718.7251,"confidence":0.86279297,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09053590893745422},{"word":"that","start":1718.7251,"end":1718.9651,"confidence":0.98828125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07848415523767471},{"word":"if","start":1718.9651,"end":1719.045,"confidence":0.5083008,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11023765057325365},{"word":"by","start":1719.045,"end":1719.2051,"confidence":0.6147461,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.105926513671875},{"word":"staying","start":1719.2051,"end":1719.525,"confidence":0.99902344,"punctuated_word":"staying","sentiment":"neutral","sentiment_score":0.1493344008922577},{"word":"on","start":1719.525,"end":1719.685,"confidence":0.78271484,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.13381797075271606},{"word":"board","start":1719.685,"end":1719.925,"confidence":0.99902344,"punctuated_word":"board","sentiment":"neutral","sentiment_score":0.1873469650745392},{"word":"with","start":1719.925,"end":1720.005,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.19543038308620453},{"word":"us","start":1720.005,"end":1720.245,"confidence":0.9885254,"punctuated_word":"us,","sentiment":"neutral","sentiment_score":0.1325852870941162},{"word":"it","start":1720.245,"end":1720.405,"confidence":0.98828125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13095542788505554},{"word":"does","start":1720.405,"end":1720.5651,"confidence":0.99902344,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.03561142086982727},{"word":"mean","start":1720.5651,"end":1720.805,"confidence":0.99316406,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.13043898344039917},{"word":"that","start":1720.805,"end":1720.9651,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04929331690073013},{"word":"i","start":1720.9651,"end":1721.045,"confidence":0.9267578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1246182769536972},{"word":"do","start":1721.045,"end":1721.285,"confidence":0.48583984,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06635649502277374},{"word":"wanna","start":1721.285,"end":1721.6051,"confidence":0.9863281,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.13254345953464508},{"word":"review","start":1721.6051,"end":1721.925,"confidence":0.99902344,"punctuated_word":"review","sentiment":"neutral","sentiment_score":-0.0207548588514328},{"word":"this","start":1721.925,"end":1722.0851,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.02227136492729187},{"word":"with","start":1722.0851,"end":1722.245,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0949964076280594},{"word":"you","start":1722.245,"end":1722.4851,"confidence":0.98706055,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.03948385640978813},{"word":"you","start":1722.4851,"end":1722.5651,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.10933928936719894},{"word":"know","start":1722.5651,"end":1722.805,"confidence":0.9321289,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.07116342335939407},{"word":"when","start":1722.805,"end":1723.045,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.0821516364812851},{"word":"we","start":1723.045,"end":1723.2051,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.05577243492007256},{"word":"spoke","start":1723.2051,"end":1723.525,"confidence":0.99609375,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":-0.00452340766787529},{"word":"last","start":1723.525,"end":1723.685,"confidence":0.99902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.04881802201271057},{"word":"time","start":1723.685,"end":1723.925,"confidence":0.9807129,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":-0.0678882747888565},{"word":"you","start":1723.925,"end":1724.0851,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09242814779281616},{"word":"wanted","start":1724.0851,"end":1724.405,"confidence":0.9902344,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.1399594247341156},{"word":"to","start":1724.405,"end":1724.4851,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1545596569776535},{"word":"be","start":1724.4851,"end":1724.645,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.20974759757518768},{"word":"in","start":1724.645,"end":1724.7251,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.19842274487018585},{"word":"that","start":1724.7251,"end":1724.9651,"confidence":0.9863281,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.15621978044509888},{"word":"high","start":1724.9651,"end":1725.125,"confidence":0.99902344,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.25064632296562195},{"word":"growth","start":1725.125,"end":1725.4451,"confidence":0.9970703,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.24331174790859225},{"word":"environment","start":1725.4451,"end":1725.9451,"confidence":0.9692383,"punctuated_word":"environment,","sentiment":"neutral","sentiment_score":-0.21434925496578217},{"word":"take","start":1726.0851,"end":1726.245,"confidence":0.99902344,"punctuated_word":"take","sentiment":"negative","sentiment_score":-0.39887577295303345},{"word":"on","start":1726.245,"end":1726.4851,"confidence":0.9970703,"punctuated_word":"on","sentiment":"negative","sentiment_score":-0.3926284313201904},{"word":"a","start":1726.4851,"end":1726.5651,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.31819480657577515},{"word":"bit","start":1726.5651,"end":1726.7251,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.3098785877227783},{"word":"more","start":1726.7251,"end":1726.9651,"confidence":0.99902344,"punctuated_word":"more","sentiment":"negative","sentiment_score":-0.35730522871017456},{"word":"risk","start":1726.9651,"end":1727.285,"confidence":0.9838867,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.3133861720561981},{"word":"because","start":1727.285,"end":1727.6051,"confidence":0.8720703,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.23980829119682312},{"word":"you're","start":1727.6051,"end":1727.8451,"confidence":0.7976074,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.294856458902359},{"word":"not","start":1727.8451,"end":1728.165,"confidence":0.99316406,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.3099730908870697},{"word":"planning","start":1728.165,"end":1728.63,"confidence":0.99121094,"punctuated_word":"planning","sentiment":"negative","sentiment_score":-0.35868245363235474},{"word":"access","start":1728.71,"end":1729.11,"confidence":0.99902344,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.31510695815086365},{"word":"super","start":1729.11,"end":1729.61,"confidence":0.7363281,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.2595411539077759},{"word":"for","start":1729.75,"end":1729.99,"confidence":0.99316406,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.26596006751060486},{"word":"about","start":1729.99,"end":1730.23,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.29774510860443115},{"word":"the","start":1730.23,"end":1730.31,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.27270400524139404},{"word":"next","start":1730.31,"end":1730.63,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.20930929481983185},{"word":"seven","start":1730.63,"end":1731.03,"confidence":1.0,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":-0.1917504072189331},{"word":"years","start":1731.03,"end":1731.53,"confidence":0.99853516,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.1682271957397461},{"word":"however","start":1732.07,"end":1732.55,"confidence":0.83374023,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":-0.31367331743240356},{"word":"i","start":1732.55,"end":1732.71,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.6594048142433167},{"word":"do","start":1732.71,"end":1732.87,"confidence":1.0,"punctuated_word":"do","sentiment":"negative","sentiment_score":-0.6306422352790833},{"word":"not","start":1732.87,"end":1733.03,"confidence":0.9980469,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.6562924385070801},{"word":"want","start":1733.03,"end":1733.1901,"confidence":1.0,"punctuated_word":"want","sentiment":"negative","sentiment_score":-0.6296795010566711},{"word":"you","start":1733.1901,"end":1733.43,"confidence":1.0,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.5642794966697693},{"word":"in","start":1733.43,"end":1733.51,"confidence":1.0,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.681862473487854},{"word":"that","start":1733.51,"end":1733.67,"confidence":0.8886719,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.6492152810096741},{"word":"high","start":1733.67,"end":1733.91,"confidence":0.9921875,"punctuated_word":"high","sentiment":"negative","sentiment_score":-0.6542102694511414},{"word":"growth","start":1733.91,"end":1734.23,"confidence":0.99121094,"punctuated_word":"growth","sentiment":"negative","sentiment_score":-0.6931868195533752},{"word":"environment","start":1734.23,"end":1734.71,"confidence":0.9980469,"punctuated_word":"environment","sentiment":"negative","sentiment_score":-0.5028602480888367},{"word":"for","start":1734.71,"end":1734.87,"confidence":0.9941406,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.5833984613418579},{"word":"the","start":1734.87,"end":1735.03,"confidence":1.0,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.6555019617080688},{"word":"next","start":1735.03,"end":1735.27,"confidence":1.0,"punctuated_word":"next","sentiment":"negative","sentiment_score":-0.533620297908783},{"word":"seven","start":1735.27,"end":1735.59,"confidence":1.0,"punctuated_word":"seven","sentiment":"negative","sentiment_score":-0.6423271894454956},{"word":"years","start":1735.59,"end":1735.99,"confidence":0.99902344,"punctuated_word":"years","sentiment":"negative","sentiment_score":-0.6271987557411194},{"word":"when","start":1735.99,"end":1736.31,"confidence":0.9863281,"punctuated_word":"when","sentiment":"negative","sentiment_score":-0.5516847372055054},{"word":"you","start":1736.31,"end":1736.47,"confidence":1.0,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.5973806977272034},{"word":"are","start":1736.47,"end":1736.79,"confidence":1.0,"punctuated_word":"are","sentiment":"negative","sentiment_score":-0.6394631266593933},{"word":"easily","start":1736.79,"end":1737.29,"confidence":0.9404297,"punctuated_word":"easily","sentiment":"negative","sentiment_score":-0.6256612539291382},{"word":"six","start":1737.43,"end":1737.67,"confidence":0.99316406,"punctuated_word":"six","sentiment":"negative","sentiment_score":-0.6475591659545898},{"word":"years","start":1737.67,"end":1737.99,"confidence":0.99902344,"punctuated_word":"years","sentiment":"negative","sentiment_score":-0.6203368306159973},{"word":"away","start":1737.99,"end":1738.31,"confidence":0.939209,"punctuated_word":"away.","sentiment":"negative","sentiment_score":-0.5735016465187073},{"word":"so","start":1738.31,"end":1738.47,"confidence":0.8964844,"punctuated_word":"So","sentiment":"negative","sentiment_score":-0.4435112774372101},{"word":"next","start":1738.47,"end":1738.71,"confidence":0.98291016,"punctuated_word":"next","sentiment":"negative","sentiment_score":-0.4878370463848114},{"word":"year","start":1738.71,"end":1738.95,"confidence":0.96606445,"punctuated_word":"year,","sentiment":"negative","sentiment_score":-0.4310920238494873},{"word":"i'll","start":1738.95,"end":1739.1901,"confidence":0.94970703,"punctuated_word":"I'll","sentiment":"negative","sentiment_score":-0.4937920570373535},{"word":"probably","start":1739.1901,"end":1739.51,"confidence":1.0,"punctuated_word":"probably","sentiment":"negative","sentiment_score":-0.5692399740219116},{"word":"wanna","start":1739.51,"end":1739.83,"confidence":0.9819336,"punctuated_word":"wanna","sentiment":"negative","sentiment_score":-0.565761923789978},{"word":"bring","start":1739.83,"end":1739.99,"confidence":0.99902344,"punctuated_word":"bring","sentiment":"negative","sentiment_score":-0.6180461049079895},{"word":"you","start":1739.99,"end":1740.23,"confidence":1.0,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.5429470539093018},{"word":"down","start":1740.23,"end":1740.55,"confidence":0.8803711,"punctuated_word":"down.","sentiment":"negative","sentiment_score":-0.39367327094078064},{"word":"and","start":1740.55,"end":1740.71,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.18553869426250455},{"word":"then","start":1740.71,"end":1740.95,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.12617227435112},{"word":"from","start":1740.95,"end":1741.1901,"confidence":0.9970703,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.14981430768966675},{"word":"there","start":1741.1901,"end":1741.43,"confidence":0.99609375,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.15001291036605835},{"word":"on","start":1741.43,"end":1741.67,"confidence":0.9770508,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.13230928778648376},{"word":"every","start":1741.67,"end":1741.99,"confidence":0.6503906,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.1258203685283661},{"word":"year","start":1741.99,"end":1742.23,"confidence":0.890625,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.1387951523065567},{"word":"start","start":1742.23,"end":1742.47,"confidence":0.9707031,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.2144290506839752},{"word":"to","start":1742.47,"end":1742.63,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.17492392659187317},{"word":"reduce","start":1742.63,"end":1742.95,"confidence":1.0,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":-0.2154802083969116},{"word":"your","start":1742.95,"end":1743.1901,"confidence":0.9707031,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.26430743932724},{"word":"risk","start":1743.1901,"end":1743.43,"confidence":1.0,"punctuated_word":"risk","sentiment":"negative","sentiment_score":-0.4015249013900757},{"word":"level","start":1743.43,"end":1743.93,"confidence":0.99902344,"punctuated_word":"level","sentiment":"negative","sentiment_score":-0.3467285633087158},{"word":"a","start":1744.165,"end":1744.325,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.21441581845283508},{"word":"little","start":1744.325,"end":1744.405,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.15347187221050262},{"word":"bit","start":1744.405,"end":1744.905,"confidence":0.7327881,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":-0.23398205637931824},{"word":"sorry","start":1745.205,"end":1745.445,"confidence":0.98657227,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":-0.1904834508895874},{"word":"by","start":1745.445,"end":1745.685,"confidence":0.99902344,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.1432427167892456},{"word":"10%","start":1745.685,"end":1746.325,"confidence":0.9995117,"punctuated_word":"10%","sentiment":"neutral","sentiment_score":-0.20096004009246823},{"word":"as","start":1746.325,"end":1746.405,"confidence":0.84814453,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.2244507223367691},{"word":"well","start":1746.405,"end":1746.645,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.2122607529163361},{"word":"and","start":1746.645,"end":1746.885,"confidence":0.6303711,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2113395184278488},{"word":"start","start":1746.885,"end":1747.125,"confidence":0.9970703,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.28919994831085205},{"word":"to","start":1747.125,"end":1747.285,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2426273375749588},{"word":"sort","start":1747.285,"end":1747.445,"confidence":0.9970703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.23349277675151825},{"word":"of","start":1747.445,"end":1747.525,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.24129275977611545},{"word":"bring","start":1747.525,"end":1747.765,"confidence":1.0,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":-0.2934280037879944},{"word":"it","start":1747.765,"end":1747.925,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2758982181549072},{"word":"down","start":1747.925,"end":1748.245,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.13947764039039612},{"word":"gradually","start":1748.245,"end":1748.645,"confidence":1.0,"punctuated_word":"gradually","sentiment":"neutral","sentiment_score":-0.1926035434007645},{"word":"because","start":1748.645,"end":1749.145,"confidence":0.57470703,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.21272745728492737},{"word":"i","start":1749.285,"end":1749.445,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.5384495854377747},{"word":"definitely","start":1749.445,"end":1749.845,"confidence":1.0,"punctuated_word":"definitely","sentiment":"negative","sentiment_score":-0.5480133891105652},{"word":"do","start":1749.845,"end":1750.085,"confidence":1.0,"punctuated_word":"do","sentiment":"negative","sentiment_score":-0.539271891117096},{"word":"not","start":1750.085,"end":1750.245,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.6110888719558716},{"word":"want","start":1750.245,"end":1750.405,"confidence":1.0,"punctuated_word":"want","sentiment":"negative","sentiment_score":-0.6059593558311462},{"word":"you","start":1750.405,"end":1750.645,"confidence":1.0,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.5376219153404236},{"word":"to","start":1750.645,"end":1750.725,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.6208114624023438},{"word":"be","start":1750.725,"end":1750.885,"confidence":1.0,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.6068010926246643},{"word":"in","start":1750.885,"end":1751.045,"confidence":0.99902344,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.612402081489563},{"word":"high","start":1751.045,"end":1751.285,"confidence":0.99609375,"punctuated_word":"high","sentiment":"negative","sentiment_score":-0.5938525199890137},{"word":"growth","start":1751.285,"end":1751.605,"confidence":0.9970703,"punctuated_word":"growth","sentiment":"negative","sentiment_score":-0.591821551322937},{"word":"the","start":1751.605,"end":1751.765,"confidence":0.9223633,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.5215665698051453},{"word":"year","start":1751.765,"end":1752.005,"confidence":1.0,"punctuated_word":"year","sentiment":"negative","sentiment_score":-0.540283203125},{"word":"before","start":1752.005,"end":1752.405,"confidence":0.99902344,"punctuated_word":"before","sentiment":"negative","sentiment_score":-0.4687274396419525},{"word":"you","start":1752.405,"end":1752.645,"confidence":1.0,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.5615325570106506},{"word":"retire","start":1752.645,"end":1753.145,"confidence":1.0,"punctuated_word":"retire","sentiment":"negative","sentiment_score":-0.4308989942073822},{"word":"and","start":1753.365,"end":1753.605,"confidence":0.7973633,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.4607084393501282},{"word":"then","start":1753.605,"end":1753.845,"confidence":1.0,"punctuated_word":"then","sentiment":"negative","sentiment_score":-0.36655330657958984},{"word":"have","start":1753.845,"end":1754.005,"confidence":1.0,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.489248126745224},{"word":"a","start":1754.005,"end":1754.165,"confidence":0.99902344,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.5407167673110962},{"word":"big","start":1754.165,"end":1754.325,"confidence":0.9980469,"punctuated_word":"big","sentiment":"negative","sentiment_score":-0.5605443120002747},{"word":"20%","start":1754.325,"end":1755.045,"confidence":1.0,"punctuated_word":"20%","sentiment":"negative","sentiment_score":-0.5181043148040771},{"word":"drop","start":1755.045,"end":1755.445,"confidence":0.99902344,"punctuated_word":"drop","sentiment":"negative","sentiment_score":-0.4192836582660675},{"word":"and","start":1755.445,"end":1755.605,"confidence":0.92822266,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.4187564551830292},{"word":"then","start":1755.605,"end":1755.925,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.2854739725589752},{"word":"be","start":1755.925,"end":1756.085,"confidence":0.9921875,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.41977599263191223},{"word":"cementing","start":1756.085,"end":1756.5651,"confidence":0.99902344,"punctuated_word":"cementing","sentiment":"negative","sentiment_score":-0.34260883927345276},{"word":"that","start":1756.5651,"end":1756.885,"confidence":1.0,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.49939969182014465},{"word":"drop","start":1756.885,"end":1757.285,"confidence":0.8796387,"punctuated_word":"drop.","sentiment":"negative","sentiment_score":-0.5023622512817383},{"word":"that","start":1757.285,"end":1757.445,"confidence":1.0,"punctuated_word":"That","sentiment":"negative","sentiment_score":-0.675873339176178},{"word":"is","start":1757.445,"end":1757.685,"confidence":1.0,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.7050399780273438},{"word":"not","start":1757.685,"end":1757.925,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.7266595363616943},{"word":"preferable","start":1757.925,"end":1758.425,"confidence":0.9802246,"punctuated_word":"preferable,","sentiment":"negative","sentiment_score":-0.6660906076431274},{"word":"and","start":1758.5651,"end":1758.805,"confidence":1.0,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.7005907893180847},{"word":"i","start":1758.805,"end":1758.965,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.7472211718559265},{"word":"would","start":1758.965,"end":1759.365,"confidence":0.99902344,"punctuated_word":"would","sentiment":"negative","sentiment_score":-0.7349647879600525},{"word":"hate","start":1759.365,"end":1759.685,"confidence":0.99902344,"punctuated_word":"hate","sentiment":"negative","sentiment_score":-0.7214545011520386},{"word":"myself","start":1759.685,"end":1759.98,"confidence":0.99902344,"punctuated_word":"myself","sentiment":"negative","sentiment_score":-0.7336822152137756},{"word":"if","start":1759.98,"end":1760.14,"confidence":0.89501953,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.7288604378700256},{"word":"that","start":1760.14,"end":1760.38,"confidence":0.99902344,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.6628360748291016},{"word":"happened","start":1760.38,"end":1760.62,"confidence":0.90771484,"punctuated_word":"happened","sentiment":"negative","sentiment_score":-0.6078463196754456},{"word":"to","start":1760.62,"end":1760.94,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.6812665462493896},{"word":"you","start":1760.94,"end":1761.44,"confidence":0.99609375,"punctuated_word":"you.","sentiment":"negative","sentiment_score":-0.6001125574111938},{"word":"you","start":1762.38,"end":1762.46,"confidence":0.77001953,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.26284468173980713},{"word":"know","start":1762.46,"end":1762.78,"confidence":0.8737793,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.2464393973350525},{"word":"we","start":1762.78,"end":1763.02,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.16705572605133057},{"word":"all","start":1763.02,"end":1763.1799,"confidence":1.0,"punctuated_word":"all","sentiment":"negative","sentiment_score":-0.34133055806159973},{"word":"wanna","start":1763.1799,"end":1763.4199,"confidence":0.99316406,"punctuated_word":"wanna","sentiment":"negative","sentiment_score":-0.436869740486145},{"word":"retire","start":1763.4199,"end":1763.82,"confidence":0.99902344,"punctuated_word":"retire","sentiment":"negative","sentiment_score":-0.41233861446380615},{"word":"as","start":1763.82,"end":1763.98,"confidence":0.99902344,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.47549527883529663},{"word":"quickly","start":1763.98,"end":1764.46,"confidence":0.99902344,"punctuated_word":"quickly","sentiment":"negative","sentiment_score":-0.5008912682533264},{"word":"as","start":1764.46,"end":1764.62,"confidence":0.99902344,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.3560261130332947},{"word":"possible","start":1764.62,"end":1765.12,"confidence":1.0,"punctuated_word":"possible.","sentiment":"negative","sentiment_score":-0.3575122356414795},{"word":"yeah","start":1765.9,"end":1766.14,"confidence":0.91015625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0148784089833498},{"word":"exactly","start":1766.14,"end":1766.64,"confidence":0.99902344,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":0.026905765756964684},{"word":"exactly","start":1766.86,"end":1767.36,"confidence":1.0,"punctuated_word":"Exactly.","sentiment":"neutral","sentiment_score":0.03726994618773461},{"word":"so","start":1767.5,"end":1767.74,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.026014484465122223},{"word":"by","start":1767.74,"end":1767.98,"confidence":0.9970703,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.1064108833670616},{"word":"having","start":1767.98,"end":1768.2999,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.03278619050979614},{"word":"us","start":1768.2999,"end":1768.54,"confidence":0.99121094,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.017789170145988464},{"word":"here","start":1768.54,"end":1768.78,"confidence":0.99902344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.014186784625053406},{"word":"and","start":1768.78,"end":1768.94,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.040658384561538696},{"word":"having","start":1768.94,"end":1769.26,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.02266989648342133},{"word":"me","start":1769.26,"end":1769.4199,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.035445407032966614},{"word":"as","start":1769.4199,"end":1769.66,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08252128958702087},{"word":"your","start":1769.66,"end":1769.9,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07139573246240616},{"word":"adviser","start":1769.9,"end":1770.4,"confidence":0.96655273,"punctuated_word":"adviser,","sentiment":"neutral","sentiment_score":0.036385148763656616},{"word":"i","start":1771.02,"end":1771.1799,"confidence":0.9580078,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.011999920010566711},{"word":"can","start":1771.1799,"end":1771.34,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.026317238807678223},{"word":"be","start":1771.34,"end":1771.58,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.00563889741897583},{"word":"a","start":1771.58,"end":1771.66,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.014749996364116669},{"word":"little","start":1771.66,"end":1771.9,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.056258782744407654},{"word":"bit","start":1771.9,"end":1772.14,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.05940067768096924},{"word":"more","start":1772.14,"end":1772.2999,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.07665454596281052},{"word":"you","start":1772.38,"end":1772.54,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03000973165035248},{"word":"know","start":1772.54,"end":1772.62,"confidence":0.9645996,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.03607185184955597},{"word":"we're","start":1772.62,"end":1772.86,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.02932807430624962},{"word":"happy","start":1772.86,"end":1773.1799,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.05476842820644379},{"word":"to","start":1773.1799,"end":1773.26,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.012276560068130491},{"word":"take","start":1773.26,"end":1773.4199,"confidence":0.99316406,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.049453794956207275},{"word":"on","start":1773.4199,"end":1773.5,"confidence":0.94921875,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.11853623390197754},{"word":"that","start":1773.5,"end":1773.915,"confidence":0.7939453,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.011034145951271055},{"word":"bit","start":1773.995,"end":1774.0751,"confidence":0.9951172,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.05853986740112305},{"word":"of","start":1774.0751,"end":1774.235,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0767863541841507},{"word":"risk","start":1774.235,"end":1774.395,"confidence":0.99316406,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.012268677353858948},{"word":"now","start":1774.395,"end":1774.875,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.07151009142398834},{"word":"for","start":1774.875,"end":1775.035,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.10397568345069884},{"word":"you","start":1775.035,"end":1775.355,"confidence":0.9909668,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.09454485028982162},{"word":"but","start":1775.355,"end":1775.5951,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.17350199818611145},{"word":"i","start":1775.5951,"end":1775.675,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.5827253460884094},{"word":"do","start":1775.675,"end":1775.915,"confidence":1.0,"punctuated_word":"do","sentiment":"negative","sentiment_score":-0.608020007610321},{"word":"not","start":1775.915,"end":1776.0751,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.5438616871833801},{"word":"want","start":1776.0751,"end":1776.235,"confidence":1.0,"punctuated_word":"want","sentiment":"negative","sentiment_score":-0.5015263557434082},{"word":"you","start":1776.235,"end":1776.395,"confidence":1.0,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.5482020378112793},{"word":"to","start":1776.395,"end":1776.4751,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.5026906132698059},{"word":"be","start":1776.4751,"end":1776.555,"confidence":1.0,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.5583987832069397},{"word":"in","start":1776.555,"end":1776.795,"confidence":1.0,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.616890549659729},{"word":"that","start":1776.795,"end":1777.035,"confidence":0.9941406,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.5176684856414795},{"word":"for","start":1777.035,"end":1777.1951,"confidence":0.9921875,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.5876369476318359},{"word":"longer","start":1777.1951,"end":1777.6951,"confidence":1.0,"punctuated_word":"longer.","sentiment":"negative","sentiment_score":-0.4155079424381256},{"word":"i","start":1778.155,"end":1778.3151,"confidence":0.80078125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.006455421447753906},{"word":"definitely","start":1778.3151,"end":1778.7151,"confidence":0.99902344,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.0912938117980957},{"word":"do","start":1778.7151,"end":1778.875,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.03254452347755432},{"word":"wanna","start":1778.875,"end":1779.1951,"confidence":0.9970703,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.014099463820457458},{"word":"make","start":1779.1951,"end":1779.355,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.08926843106746674},{"word":"sure","start":1779.355,"end":1779.515,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.0036959946155548096},{"word":"we","start":1779.515,"end":1779.755,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03356623649597168},{"word":"do","start":1779.755,"end":1779.915,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.037928253412246704},{"word":"a","start":1779.915,"end":1779.995,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.00566864013671875},{"word":"catch","start":1779.995,"end":1780.235,"confidence":1.0,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":-0.020877763628959656},{"word":"up","start":1780.235,"end":1780.395,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.1488393098115921},{"word":"in","start":1780.395,"end":1780.555,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.06552533805370331},{"word":"about","start":1780.555,"end":1780.875,"confidence":0.97314453,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.009161055088043211},{"word":"six","start":1780.875,"end":1781.115,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.06109297275543213},{"word":"months","start":1781.115,"end":1781.435,"confidence":1.0,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.06531281769275665},{"word":"with","start":1781.435,"end":1781.5951,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04772694408893585},{"word":"you","start":1781.5951,"end":1781.8351,"confidence":0.8786621,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.09697581827640532},{"word":"probably","start":1781.8351,"end":1782.3151,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.07337825000286102},{"word":"january","start":1782.3151,"end":1782.8151,"confidence":0.9267578,"punctuated_word":"January,","sentiment":"neutral","sentiment_score":0.1277402639389038},{"word":"if","start":1782.9551,"end":1783.115,"confidence":0.99121094,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11488180607557295},{"word":"not","start":1783.115,"end":1783.355,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.0383358895778656},{"word":"december","start":1783.355,"end":1783.8351,"confidence":0.9790039,"punctuated_word":"December","sentiment":"neutral","sentiment_score":-0.02890157699584961},{"word":"before","start":1783.8351,"end":1784.0751,"confidence":0.5883789,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.017671436071395874},{"word":"we","start":1784.0751,"end":1784.235,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.02148135006427765},{"word":"go","start":1784.235,"end":1784.555,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.06163318455219269},{"word":"away","start":1784.555,"end":1784.875,"confidence":1.0,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.040478527545928955},{"word":"for","start":1784.875,"end":1785.115,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.15266534686088562},{"word":"christmas","start":1785.115,"end":1785.615,"confidence":1.0,"punctuated_word":"Christmas","sentiment":"neutral","sentiment_score":-0.10073572397232056},{"word":"just","start":1786.155,"end":1786.3151,"confidence":0.6328125,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.02227601408958435},{"word":"to","start":1786.3151,"end":1786.4751,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06169036030769348},{"word":"make","start":1786.4751,"end":1786.635,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.012818053364753723},{"word":"sure","start":1786.635,"end":1786.9551,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.03694148361682892},{"word":"things","start":1786.9551,"end":1787.1951,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.11430452764034273},{"word":"are","start":1787.1951,"end":1787.355,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.06565168499946594},{"word":"working","start":1787.355,"end":1787.755,"confidence":0.9904785,"punctuated_word":"working.","sentiment":"neutral","sentiment_score":0.10886165499687196},{"word":"and","start":1787.755,"end":1787.995,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.08765225112438202},{"word":"if","start":1787.995,"end":1788.235,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.2178955376148224},{"word":"the","start":1788.235,"end":1788.4751,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.3171265423297882},{"word":"market","start":1788.4751,"end":1788.795,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.20722596347332},{"word":"isn't","start":1788.795,"end":1789.1951,"confidence":1.0,"punctuated_word":"isn't","sentiment":"negative","sentiment_score":-0.3933550417423248},{"word":"performing","start":1789.1951,"end":1789.675,"confidence":1.0,"punctuated_word":"performing","sentiment":"negative","sentiment_score":-0.4013737440109253},{"word":"well","start":1789.675,"end":1789.89,"confidence":0.99853516,"punctuated_word":"well,","sentiment":"negative","sentiment_score":-0.38056832551956177},{"word":"if","start":1790.05,"end":1790.29,"confidence":1.0,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.3911534547805786},{"word":"things","start":1790.29,"end":1790.53,"confidence":1.0,"punctuated_word":"things","sentiment":"negative","sentiment_score":-0.46624431014060974},{"word":"aren't","start":1790.53,"end":1790.93,"confidence":0.99902344,"punctuated_word":"aren't","sentiment":"negative","sentiment_score":-0.4217573404312134},{"word":"doing","start":1790.93,"end":1791.17,"confidence":0.99902344,"punctuated_word":"doing","sentiment":"negative","sentiment_score":-0.4453833103179931},{"word":"well","start":1791.17,"end":1791.41,"confidence":0.9980469,"punctuated_word":"well,","sentiment":"negative","sentiment_score":-0.3785396218299866},{"word":"then","start":1791.41,"end":1791.65,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.256072461605072},{"word":"i","start":1791.65,"end":1791.73,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2264341413974762},{"word":"wanna","start":1791.73,"end":1791.97,"confidence":0.9892578,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.10438069701194765},{"word":"make","start":1791.97,"end":1792.21,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.19738352298736572},{"word":"those","start":1792.21,"end":1792.4501,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.20752869546413424},{"word":"changes","start":1792.4501,"end":1792.85,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.2126099020242691},{"word":"again","start":1792.85,"end":1793.25,"confidence":1.0,"punctuated_word":"again","sentiment":"neutral","sentiment_score":-0.06988611817359924},{"word":"for","start":1793.25,"end":1793.41,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.03912888467311859},{"word":"you","start":1793.41,"end":1793.73,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.028904199600219727},{"word":"and","start":1793.73,"end":1793.89,"confidence":0.97998047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.052806392312049866},{"word":"keep","start":1793.89,"end":1794.13,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.02108857035636902},{"word":"it","start":1794.13,"end":1794.29,"confidence":0.91503906,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.01821684837341309},{"word":"working","start":1794.29,"end":1794.6901,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.06061336398124695},{"word":"harder","start":1794.6901,"end":1795.01,"confidence":0.99902344,"punctuated_word":"harder","sentiment":"neutral","sentiment_score":-0.09524770081043243},{"word":"because","start":1795.01,"end":1795.51,"confidence":0.8222656,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":-0.12012236565351486},{"word":"realistically","start":1795.81,"end":1796.31,"confidence":1.0,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":-0.18701285123825073},{"word":"your","start":1797.01,"end":1797.25,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.31224262714385986},{"word":"balance","start":1797.25,"end":1797.5701,"confidence":1.0,"punctuated_word":"balance","sentiment":"negative","sentiment_score":-0.3527679443359375},{"word":"is","start":1797.5701,"end":1797.73,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.26574403047561646},{"word":"a","start":1797.73,"end":1797.81,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.27174749970436096},{"word":"bit","start":1797.81,"end":1798.05,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.24809393286705017},{"word":"lower","start":1798.05,"end":1798.29,"confidence":1.0,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":-0.24964410066604617},{"word":"than","start":1798.29,"end":1798.4501,"confidence":0.99902344,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.3329942226409912},{"word":"where","start":1798.4501,"end":1798.6901,"confidence":0.99902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.2665674388408661},{"word":"i","start":1798.6901,"end":1798.77,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2144183963537216},{"word":"would","start":1798.77,"end":1799.01,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.155125230550766},{"word":"like","start":1799.01,"end":1799.17,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.19542476534843445},{"word":"it","start":1799.17,"end":1799.41,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.23475484549999237},{"word":"to","start":1799.41,"end":1799.5701,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2810024321079254},{"word":"be","start":1799.5701,"end":1799.81,"confidence":0.9926758,"punctuated_word":"be.","sentiment":"neutral","sentiment_score":-0.19937501847743988},{"word":"and","start":1799.81,"end":1800.29,"confidence":0.99365234,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":-0.0429626926779747},{"word":"realistically","start":1800.29,"end":1800.79,"confidence":0.99902344,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":-0.033787500113248825},{"word":"if","start":1801.09,"end":1801.25,"confidence":0.9873047,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.034108951687812805},{"word":"you're","start":1801.25,"end":1801.41,"confidence":0.77197266,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.030605560168623924},{"word":"gonna","start":1801.41,"end":1801.73,"confidence":0.9111328,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.039977267384529114},{"word":"retire","start":1801.73,"end":1801.97,"confidence":0.98828125,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":-0.05119536817073822},{"word":"the","start":1801.97,"end":1802.13,"confidence":0.7783203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0571402907371521},{"word":"next","start":1802.13,"end":1802.37,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.05525445938110352},{"word":"seven","start":1802.37,"end":1802.61,"confidence":0.9892578,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":-0.028519824147224423},{"word":"years","start":1802.61,"end":1802.85,"confidence":0.99902344,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":-0.027631431818008423},{"word":"we","start":1802.85,"end":1803.09,"confidence":0.9863281,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.020308688282966617},{"word":"wanna","start":1803.09,"end":1803.33,"confidence":0.96533203,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.10265567898750304},{"word":"make","start":1803.33,"end":1803.585,"confidence":0.98095703,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.06435874104499817},{"word":"sure","start":1803.585,"end":1803.705,"confidence":0.81396484,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.04542668163776398},{"word":"you've","start":1803.705,"end":1803.825,"confidence":0.9511719,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.04045688360929489},{"word":"got","start":1803.825,"end":1803.985,"confidence":0.9873047,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.03931596875190735},{"word":"as","start":1803.985,"end":1804.065,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0017366260290145874},{"word":"much","start":1804.065,"end":1804.465,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.038782089948654175},{"word":"money","start":1804.465,"end":1804.705,"confidence":0.99902344,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.08985364437103271},{"word":"as","start":1804.705,"end":1804.865,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07729510962963104},{"word":"absolutely","start":1804.865,"end":1805.365,"confidence":0.99902344,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.051709577441215515},{"word":"possible","start":1805.505,"end":1806.005,"confidence":0.99902344,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":-0.02246956527233124},{"word":"because","start":1806.465,"end":1806.7849,"confidence":0.8408203,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.00013822317123413086},{"word":"you'll","start":1806.7849,"end":1807.0249,"confidence":1.0,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.016589339822530746},{"word":"be","start":1807.0249,"end":1807.265,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.004701241850852966},{"word":"65","start":1807.265,"end":1808.145,"confidence":0.9975586,"punctuated_word":"65.","sentiment":"neutral","sentiment_score":0.05751476809382439},{"word":"so","start":1808.145,"end":1808.385,"confidence":0.986084,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.09422139078378676},{"word":"realistically","start":1808.385,"end":1808.885,"confidence":1.0,"punctuated_word":"realistically,","sentiment":"neutral","sentiment_score":0.11217914521694183},{"word":"you","start":1809.345,"end":1809.585,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14026421308517456},{"word":"wanna","start":1809.585,"end":1809.825,"confidence":0.9921875,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.17134590446949005},{"word":"make","start":1809.825,"end":1809.985,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.12197881937026978},{"word":"sure","start":1809.985,"end":1810.145,"confidence":0.9980469,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.0985800325870514},{"word":"you've","start":1810.145,"end":1810.385,"confidence":0.99853516,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.1040995717048645},{"word":"got","start":1810.385,"end":1810.5449,"confidence":0.9980469,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.06652180850505829},{"word":"enough","start":1810.5449,"end":1810.945,"confidence":0.9980469,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":0.08036857843399048},{"word":"money","start":1810.945,"end":1811.265,"confidence":0.9970703,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.14054866135120392},{"word":"to","start":1811.265,"end":1811.765,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12068113684654236},{"word":"start","start":1811.9049,"end":1812.3049,"confidence":0.98095703,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.1986260712146759},{"word":"drawing","start":1812.3049,"end":1812.625,"confidence":0.9970703,"punctuated_word":"drawing","sentiment":"neutral","sentiment_score":0.31945109367370605},{"word":"out","start":1812.625,"end":1812.865,"confidence":0.99316406,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.2803577184677124},{"word":"the","start":1812.865,"end":1813.0249,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25342896580696106},{"word":"income","start":1813.0249,"end":1813.505,"confidence":0.9980469,"punctuated_word":"income","sentiment":"positive","sentiment_score":0.3675839304924011},{"word":"you","start":1813.505,"end":1813.745,"confidence":0.96875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27506783604621887},{"word":"need","start":1813.745,"end":1814.065,"confidence":0.98291016,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.27663710713386536},{"word":"as","start":1814.065,"end":1814.3049,"confidence":0.9370117,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.22451592981815335},{"word":"well","start":1814.3049,"end":1814.465,"confidence":0.9838867,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.1843726634979248},{"word":"as","start":1814.465,"end":1814.625,"confidence":0.98535156,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.22063703835010529},{"word":"getting","start":1814.625,"end":1814.945,"confidence":0.97265625,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.2526884078979492},{"word":"you","start":1814.945,"end":1815.105,"confidence":0.7792969,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2578161656856537},{"word":"longevity","start":1815.105,"end":1815.605,"confidence":0.72387695,"punctuated_word":"longevity.","sentiment":"neutral","sentiment_score":0.2314870208501816},{"word":"and","start":1816.2,"end":1816.36,"confidence":0.9941406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.01399800181388855},{"word":"you're","start":1816.36,"end":1816.6,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.05926528573036194},{"word":"not","start":1816.6,"end":1816.9199,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1349516659975052},{"word":"eligible","start":1816.9199,"end":1817.4,"confidence":1.0,"punctuated_word":"eligible","sentiment":"neutral","sentiment_score":0.047369495034217834},{"word":"for","start":1817.4,"end":1817.64,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.11844410747289658},{"word":"age","start":1817.64,"end":1817.88,"confidence":0.9863281,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.2029307186603546},{"word":"pension","start":1817.88,"end":1818.28,"confidence":0.9921875,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":-0.15585052967071533},{"word":"to","start":1818.28,"end":1818.44,"confidence":0.9394531,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2821533977985382},{"word":"age","start":1818.44,"end":1818.6799,"confidence":0.9951172,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.1950034499168396},{"word":"67","start":1818.6799,"end":1819.58,"confidence":0.91638184,"punctuated_word":"67.","sentiment":"neutral","sentiment_score":-0.1443319320678711},{"word":"so","start":1819.64,"end":1820.12,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.02148894965648651},{"word":"there","start":1820.12,"end":1820.28,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.021638475358486176},{"word":"is","start":1820.28,"end":1820.52,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.013054952025413511},{"word":"two","start":1820.52,"end":1820.76,"confidence":0.9970703,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.01953075081110001},{"word":"years","start":1820.76,"end":1821.08,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.05268973857164383},{"word":"to","start":1821.08,"end":1821.24,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.004410386085510254},{"word":"keep","start":1821.24,"end":1821.48,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.022603824734687805},{"word":"as","start":1821.48,"end":1821.6,"confidence":0.6513672,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.017124071717262268},{"word":"a","start":1821.6,"end":1821.72,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.052456509321928024},{"word":"bit","start":1821.72,"end":1821.88,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.04783869534730911},{"word":"of","start":1821.88,"end":1822.0399,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04482947289943695},{"word":"a","start":1822.0399,"end":1822.12,"confidence":0.98535156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.020922333002090458},{"word":"buffer","start":1822.12,"end":1822.6,"confidence":0.9951172,"punctuated_word":"buffer","sentiment":"neutral","sentiment_score":0.08621346205472946},{"word":"prior","start":1822.6,"end":1822.9199,"confidence":0.9707031,"punctuated_word":"prior","sentiment":"neutral","sentiment_score":-0.05500246584415436},{"word":"to","start":1822.9199,"end":1823.08,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05879988521337509},{"word":"accessing","start":1823.08,"end":1823.58,"confidence":0.99609375,"punctuated_word":"accessing","sentiment":"neutral","sentiment_score":-0.04823300242424011},{"word":"the","start":1823.64,"end":1823.72,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03565656393766403},{"word":"age","start":1823.72,"end":1823.96,"confidence":0.99609375,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.05324628949165344},{"word":"pension","start":1823.96,"end":1824.46,"confidence":0.9838867,"punctuated_word":"pension.","sentiment":"neutral","sentiment_score":-0.03385186940431595},{"word":"and","start":1824.76,"end":1824.9199,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.15384677052497864},{"word":"then","start":1824.9199,"end":1825.0,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.16268135607242584},{"word":"what","start":1825.0,"end":1825.24,"confidence":0.99609375,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.16872110962867737},{"word":"i","start":1825.24,"end":1825.4,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.22978419065475464},{"word":"like","start":1825.4,"end":1825.5599,"confidence":0.89208984,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.23789721727371216},{"word":"to","start":1825.5599,"end":1825.72,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2026716470718384},{"word":"do","start":1825.72,"end":1825.7999,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.22005602717399597},{"word":"with","start":1825.7999,"end":1825.96,"confidence":0.99609375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.21535401046276093},{"word":"a","start":1825.96,"end":1826.0399,"confidence":0.984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25433266162872314},{"word":"lot","start":1826.0399,"end":1826.2,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.32085537910461426},{"word":"of","start":1826.2,"end":1826.36,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3319580554962158},{"word":"my","start":1826.36,"end":1826.52,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.2795277237892151},{"word":"retired","start":1826.52,"end":1827.0,"confidence":0.9980469,"punctuated_word":"retired","sentiment":"neutral","sentiment_score":0.16092830896377563},{"word":"clients","start":1827.0,"end":1827.48,"confidence":0.99902344,"punctuated_word":"clients","sentiment":"neutral","sentiment_score":0.20002663135528564},{"word":"is","start":1827.48,"end":1827.5599,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.25298580527305603},{"word":"when","start":1827.5599,"end":1827.7999,"confidence":0.98535156,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.28826257586479187},{"word":"we","start":1827.7999,"end":1827.88,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2442997694015503},{"word":"get","start":1827.88,"end":1828.0399,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.22495856881141665},{"word":"to","start":1828.0399,"end":1828.2,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20087453722953796},{"word":"age","start":1828.2,"end":1828.44,"confidence":0.9902344,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.1398882418870926},{"word":"67","start":1828.44,"end":1829.34,"confidence":0.99658203,"punctuated_word":"67,","sentiment":"neutral","sentiment_score":0.18555490672588348},{"word":"look","start":1829.48,"end":1829.72,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.23766279220581055},{"word":"at","start":1829.72,"end":1829.7999,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.20368553698062897},{"word":"what","start":1829.7999,"end":1829.96,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2677672505378723},{"word":"you're","start":1829.96,"end":1830.12,"confidence":0.99609375,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2135140597820282},{"word":"eligible","start":1830.12,"end":1830.62,"confidence":0.99902344,"punctuated_word":"eligible","sentiment":"neutral","sentiment_score":0.2295441776514053},{"word":"receive","start":1830.9049,"end":1831.225,"confidence":0.9770508,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":0.17794279754161835},{"word":"from","start":1831.225,"end":1831.465,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.2315833568572998},{"word":"centrelink","start":1831.465,"end":1831.965,"confidence":0.92073566,"punctuated_word":"Centrelink","sentiment":"neutral","sentiment_score":0.2983122766017914},{"word":"and","start":1832.0249,"end":1832.105,"confidence":0.72216797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2431751936674118},{"word":"draw","start":1832.105,"end":1832.505,"confidence":0.94140625,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.32505443692207336},{"word":"back","start":1832.505,"end":1833.005,"confidence":0.97265625,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.2799215018749237},{"word":"less","start":1833.1449,"end":1833.5449,"confidence":0.82714844,"punctuated_word":"less","sentiment":"neutral","sentiment_score":0.2665082812309265},{"word":"out","start":1833.5449,"end":1833.7849,"confidence":0.8642578,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.3467533588409424},{"word":"of","start":1833.7849,"end":1833.945,"confidence":0.9770508,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3518018424510956},{"word":"super","start":1833.945,"end":1834.2649,"confidence":0.7060547,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.35551565885543823},{"word":"to","start":1834.2649,"end":1834.505,"confidence":0.9819336,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3190793991088867},{"word":"supplement","start":1834.505,"end":1835.005,"confidence":1.0,"punctuated_word":"supplement","sentiment":"positive","sentiment_score":0.37058207392692566},{"word":"that","start":1835.065,"end":1835.3049,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.43817102909088135},{"word":"so","start":1835.3049,"end":1835.465,"confidence":0.76464844,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.42337340116500854},{"word":"you","start":1835.465,"end":1835.625,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.409965455532074},{"word":"have","start":1835.625,"end":1835.865,"confidence":0.99902344,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.42325496673583984},{"word":"a","start":1835.865,"end":1835.945,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.39715808629989624},{"word":"bit","start":1835.945,"end":1836.105,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.3681798279285431},{"word":"of","start":1836.105,"end":1836.2649,"confidence":0.9980469,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.33615314960479736},{"word":"longevity","start":1836.2649,"end":1836.7649,"confidence":1.0,"punctuated_word":"longevity","sentiment":"positive","sentiment_score":0.3730112612247467},{"word":"and","start":1836.825,"end":1836.985,"confidence":0.9863281,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.36314886808395386},{"word":"get","start":1836.985,"end":1837.1449,"confidence":0.9980469,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.417281836271286},{"word":"some","start":1837.1449,"end":1837.385,"confidence":0.9970703,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.3843209743499756},{"word":"from","start":1837.385,"end":1837.5449,"confidence":0.99902344,"punctuated_word":"from","sentiment":"positive","sentiment_score":0.3524158000946045},{"word":"the","start":1837.5449,"end":1837.705,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.38363659381866455},{"word":"age","start":1837.705,"end":1837.945,"confidence":0.7871094,"punctuated_word":"age","sentiment":"positive","sentiment_score":0.39468255639076233},{"word":"pension","start":1837.945,"end":1838.345,"confidence":1.0,"punctuated_word":"pension","sentiment":"positive","sentiment_score":0.3852303624153137},{"word":"as","start":1838.345,"end":1838.505,"confidence":0.98828125,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.34568315744400024},{"word":"well","start":1838.505,"end":1838.745,"confidence":0.99902344,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.3326874375343323},{"word":"as","start":1838.745,"end":1838.985,"confidence":0.99121094,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.286238431930542},{"word":"super","start":1838.985,"end":1839.225,"confidence":0.9941406,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.4003113806247711},{"word":"as","start":1839.225,"end":1839.385,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.3198804557323456},{"word":"well","start":1839.385,"end":1839.885,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.216605007648468},{"word":"the","start":1840.585,"end":1840.745,"confidence":0.6738281,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.10210458934307098},{"word":"other","start":1840.745,"end":1841.065,"confidence":0.9980469,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.10335396975278854},{"word":"side","start":1841.065,"end":1841.385,"confidence":0.99316406,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.1062350571155548},{"word":"of","start":1841.385,"end":1841.465,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10211244970560074},{"word":"it","start":1841.465,"end":1841.625,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11211085319519044},{"word":"is","start":1841.625,"end":1841.865,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0897529125213623},{"word":"once","start":1841.865,"end":1842.105,"confidence":0.9267578,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.10993192344903946},{"word":"you","start":1842.105,"end":1842.2649,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09147034585475922},{"word":"actually","start":1842.2649,"end":1842.6649,"confidence":0.9921875,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.06925152242183685},{"word":"turn","start":1842.6649,"end":1843.1649,"confidence":0.9375,"punctuated_word":"turn","sentiment":"neutral","sentiment_score":0.05846111848950386},{"word":"60","start":1843.2799,"end":1843.7799,"confidence":0.97802734,"punctuated_word":"60,","sentiment":"neutral","sentiment_score":0.08614884316921234},{"word":"depending","start":1844.08,"end":1844.5599,"confidence":1.0,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":0.13125766813755035},{"word":"on","start":1844.5599,"end":1844.72,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.10939064621925354},{"word":"what","start":1844.72,"end":1844.96,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.10340794175863266},{"word":"you","start":1844.96,"end":1845.12,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0895036831498146},{"word":"need","start":1845.12,"end":1845.36,"confidence":0.97753906,"punctuated_word":"need,","sentiment":"neutral","sentiment_score":0.08581572771072388},{"word":"whether","start":1845.36,"end":1845.84,"confidence":0.98217773,"punctuated_word":"whether,","sentiment":"neutral","sentiment_score":0.0847690999507904},{"word":"you","start":1845.84,"end":1845.9199,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0726940706372261},{"word":"know","start":1845.9199,"end":1846.1599,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.07671119272708893},{"word":"you","start":1846.1599,"end":1846.3999,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07665891945362091},{"word":"feel","start":1846.3999,"end":1846.72,"confidence":0.9790039,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.03622406721115112},{"word":"income","start":1846.72,"end":1847.0399,"confidence":0.99609375,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.04169619083404541},{"word":"protection","start":1847.0399,"end":1847.5399,"confidence":0.99902344,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.03979623317718506},{"word":"and","start":1847.6799,"end":1847.9199,"confidence":0.96875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.040001168847084045},{"word":"tbd","start":1847.9199,"end":1848.4199,"confidence":0.49951172,"punctuated_word":"TBD","sentiment":"neutral","sentiment_score":0.026981081813573837},{"word":"or","start":1848.48,"end":1848.72,"confidence":0.89746094,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05016867443919182},{"word":"whether","start":1848.72,"end":1848.96,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.03976631164550781},{"word":"you","start":1848.96,"end":1849.0399,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05327318981289864},{"word":"feel","start":1849.0399,"end":1849.36,"confidence":0.9970703,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.01803909987211227},{"word":"insurances","start":1849.36,"end":1849.86,"confidence":0.99316406,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.006615685299038887},{"word":"are","start":1849.9199,"end":1850.24,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.025164172053337097},{"word":"appropriate","start":1850.24,"end":1850.74,"confidence":0.91430664,"punctuated_word":"appropriate,","sentiment":"neutral","sentiment_score":0.028951000422239304},{"word":"a","start":1851.44,"end":1851.6,"confidence":0.9667969,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.055182211101055145},{"word":"lot","start":1851.6,"end":1851.76,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.07029883563518524},{"word":"of","start":1851.76,"end":1851.9199,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07570837438106537},{"word":"my","start":1851.9199,"end":1852.0,"confidence":0.984375,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.11147436499595642},{"word":"clients","start":1852.0,"end":1852.3999,"confidence":0.99902344,"punctuated_word":"clients","sentiment":"neutral","sentiment_score":0.06550255417823792},{"word":"do","start":1852.3999,"end":1852.5599,"confidence":0.9921875,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06972923874855042},{"word":"decide","start":1852.5599,"end":1852.88,"confidence":0.96972656,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.04003894701600075},{"word":"at","start":1852.88,"end":1853.0399,"confidence":0.7163086,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.024750731885433197},{"word":"60","start":1853.0399,"end":1853.44,"confidence":0.8041992,"punctuated_word":"60","sentiment":"neutral","sentiment_score":0.047864895313978195},{"word":"they","start":1853.44,"end":1853.6,"confidence":0.5332031,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.03743040934205055},{"word":"don't","start":1853.6,"end":1853.84,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.005053581204265356},{"word":"need","start":1853.84,"end":1854.0,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.02475329115986824},{"word":"those","start":1854.0,"end":1854.24,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.016178615391254425},{"word":"insurances","start":1854.24,"end":1854.74,"confidence":1.0,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":-0.029852790758013725},{"word":"anymore","start":1854.88,"end":1855.2799,"confidence":0.99902344,"punctuated_word":"anymore","sentiment":"neutral","sentiment_score":-0.03839883208274841},{"word":"because","start":1855.2799,"end":1855.76,"confidence":0.80810547,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.047361183911561966},{"word":"if","start":1855.76,"end":1855.9199,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.05972895398736},{"word":"they","start":1855.9199,"end":1856.08,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.024235714226961136},{"word":"are","start":1856.08,"end":1856.32,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.02728315442800522},{"word":"unable","start":1856.32,"end":1856.7999,"confidence":1.0,"punctuated_word":"unable","sentiment":"neutral","sentiment_score":0.011327771469950676},{"word":"to","start":1856.7999,"end":1856.96,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.016710303723812103},{"word":"work","start":1856.96,"end":1857.2,"confidence":0.99560547,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":0.023506011813879013},{"word":"they","start":1857.2,"end":1857.36,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.09224487841129304},{"word":"can","start":1857.36,"end":1857.6,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06780348718166351},{"word":"access","start":1857.6,"end":1858.08,"confidence":0.99902344,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.003433115780353546},{"word":"their","start":1858.08,"end":1858.32,"confidence":0.92089844,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.029405295848846436},{"word":"super","start":1858.32,"end":1858.82,"confidence":0.8977051,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.08915060758590698},{"word":"so","start":1859.005,"end":1859.1649,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12216219305992126},{"word":"we","start":1859.1649,"end":1859.245,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12324494123458862},{"word":"can","start":1859.245,"end":1859.645,"confidence":0.984375,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1285777986049652},{"word":"also","start":1859.645,"end":1859.965,"confidence":0.9223633,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.12053704261779784},{"word":"look","start":1859.965,"end":1860.2849,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.10801811516284944},{"word":"to","start":1860.2849,"end":1860.525,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11831724643707275},{"word":"consolidate","start":1860.525,"end":1861.025,"confidence":1.0,"punctuated_word":"consolidate","sentiment":"neutral","sentiment_score":0.10886549949645996},{"word":"from","start":1862.0449,"end":1862.2849,"confidence":0.59472656,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.11138054728507996},{"word":"then","start":1862.2849,"end":1862.525,"confidence":0.9902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.12053750455379486},{"word":"on","start":1862.525,"end":1862.6849,"confidence":0.9536133,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08359500765800476},{"word":"too","start":1862.6849,"end":1863.005,"confidence":0.6928711,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":0.1287814825773239},{"word":"so","start":1863.005,"end":1863.1649,"confidence":0.9941406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1467474400997162},{"word":"only","start":1863.1649,"end":1863.485,"confidence":0.98535156,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.12081287056207655},{"word":"keep","start":1863.485,"end":1863.645,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.15047481656074524},{"word":"these","start":1863.645,"end":1863.885,"confidence":0.90625,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.11662618815898897},{"word":"insurances","start":1863.885,"end":1864.365,"confidence":0.98999023,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.08284350484609604},{"word":"in","start":1864.365,"end":1864.525,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10937479138374329},{"word":"place","start":1864.525,"end":1864.845,"confidence":1.0,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.1523246318101883},{"word":"and","start":1864.845,"end":1864.9249,"confidence":0.9038086,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08962526172399521},{"word":"save","start":1864.9249,"end":1865.1649,"confidence":0.8701172,"punctuated_word":"save","sentiment":"neutral","sentiment_score":0.07605741918087006},{"word":"us","start":1865.1649,"end":1865.325,"confidence":0.99121094,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.1478775143623352},{"word":"until","start":1865.325,"end":1865.725,"confidence":1.0,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.10497070103883745},{"word":"you","start":1865.725,"end":1865.965,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11037272214889526},{"word":"no","start":1865.965,"end":1866.125,"confidence":0.99902344,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.03494951128959656},{"word":"longer","start":1866.125,"end":1866.525,"confidence":1.0,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":0.03133239969611168},{"word":"need","start":1866.525,"end":1866.6849,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.02906210348010063},{"word":"them","start":1866.6849,"end":1867.1849,"confidence":0.9995117,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.01781647838652134},{"word":"once","start":1867.245,"end":1867.565,"confidence":1.0,"punctuated_word":"Once","sentiment":"neutral","sentiment_score":0.06853355467319489},{"word":"those","start":1867.565,"end":1867.8049,"confidence":0.97998047,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.02931077778339386},{"word":"insurances","start":1867.8049,"end":1868.3049,"confidence":0.9941406,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":-0.014788726344704628},{"word":"are","start":1868.445,"end":1868.605,"confidence":0.9902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.014087177813053133},{"word":"obsolete","start":1868.605,"end":1869.085,"confidence":0.99902344,"punctuated_word":"obsolete","sentiment":"neutral","sentiment_score":-0.0926441103219986},{"word":"and","start":1869.085,"end":1869.245,"confidence":0.96240234,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.025138884782791138},{"word":"you","start":1869.245,"end":1869.405,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01558784395456314},{"word":"don't","start":1869.405,"end":1869.645,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.0018045890610665083},{"word":"feel","start":1869.645,"end":1869.885,"confidence":1.0,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.04814554378390312},{"word":"that","start":1869.885,"end":1870.0449,"confidence":0.7167969,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03962666541337967},{"word":"they","start":1870.0449,"end":1870.2849,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.03356098011136055},{"word":"are","start":1870.2849,"end":1870.525,"confidence":0.9970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.0034171082079410553},{"word":"suitable","start":1870.525,"end":1871.005,"confidence":1.0,"punctuated_word":"suitable","sentiment":"neutral","sentiment_score":-0.024691320955753326},{"word":"to","start":1871.005,"end":1871.1649,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.002665545791387558},{"word":"keep","start":1871.1649,"end":1871.485,"confidence":0.9980469,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.04219135642051697},{"word":"anymore","start":1871.485,"end":1871.885,"confidence":0.7807617,"punctuated_word":"anymore,","sentiment":"neutral","sentiment_score":-0.000557970255613327},{"word":"that","start":1871.885,"end":1872.125,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.043439894914627075},{"word":"we","start":1872.125,"end":1872.205,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06348675489425659},{"word":"can","start":1872.205,"end":1872.365,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06361090391874313},{"word":"get","start":1872.365,"end":1872.605,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.02060602605342865},{"word":"rid","start":1872.605,"end":1872.765,"confidence":1.0,"punctuated_word":"rid","sentiment":"neutral","sentiment_score":0.020677916705608368},{"word":"of","start":1872.765,"end":1872.9249,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03470107167959213},{"word":"them","start":1872.9249,"end":1873.41,"confidence":0.99365234,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":0.03402141109108925},{"word":"then","start":1873.89,"end":1874.13,"confidence":0.9667969,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.137287437915802},{"word":"we","start":1874.13,"end":1874.29,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13500523567199707},{"word":"can","start":1874.29,"end":1874.53,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.13650013506412506},{"word":"consolidate","start":1874.53,"end":1875.03,"confidence":0.9980469,"punctuated_word":"consolidate","sentiment":"neutral","sentiment_score":0.10525035858154295},{"word":"everything","start":1875.0901,"end":1875.5901,"confidence":0.96435547,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.18705765902996063},{"word":"into","start":1875.65,"end":1875.9701,"confidence":0.58691406,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.15934152901172638},{"word":"hub","start":1875.9701,"end":1876.13,"confidence":0.50878906,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.1655086874961853},{"word":"twenty","start":1876.13,"end":1876.4501,"confidence":0.99902344,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.17406822741031647},{"word":"four","start":1876.4501,"end":1876.61,"confidence":0.9980469,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.1880863904953003},{"word":"as","start":1876.61,"end":1876.93,"confidence":0.9658203,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15708379447460177},{"word":"well","start":1876.93,"end":1877.0901,"confidence":0.8605957,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.1856949478387833},{"word":"have","start":1877.0901,"end":1877.3301,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.20414498448371887},{"word":"it","start":1877.3301,"end":1877.41,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.18822044134140015},{"word":"all","start":1877.41,"end":1877.65,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.16010037064552307},{"word":"in","start":1877.65,"end":1877.89,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16472475230693817},{"word":"one","start":1877.89,"end":1878.05,"confidence":0.9980469,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.17927268147468567},{"word":"place","start":1878.05,"end":1878.37,"confidence":0.9519043,"punctuated_word":"place,","sentiment":"neutral","sentiment_score":0.2120428681373596},{"word":"have","start":1878.37,"end":1878.61,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2447181940078735},{"word":"one","start":1878.61,"end":1879.01,"confidence":0.9941406,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.2215158045291901},{"word":"super","start":1879.01,"end":1879.3301,"confidence":0.9116211,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1865108460187912},{"word":"fund","start":1879.3301,"end":1879.65,"confidence":0.53271484,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.2658429741859436},{"word":"working","start":1879.65,"end":1880.05,"confidence":0.984375,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.2497715055942535},{"word":"harder","start":1880.05,"end":1880.37,"confidence":0.9970703,"punctuated_word":"harder","sentiment":"neutral","sentiment_score":0.1711110919713974},{"word":"for","start":1880.37,"end":1880.61,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1842505931854248},{"word":"you","start":1880.61,"end":1880.77,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13434338569641113},{"word":"as","start":1880.77,"end":1880.93,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12352287024259569},{"word":"well","start":1880.93,"end":1881.3301,"confidence":0.99658203,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1135971173644066},{"word":"so","start":1881.3301,"end":1881.81,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07828683406114578},{"word":"that's","start":1881.81,"end":1882.05,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.10392461717128754},{"word":"also","start":1882.05,"end":1882.53,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.12330465018749236},{"word":"another","start":1882.53,"end":1882.93,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.08095398545265198},{"word":"option","start":1882.93,"end":1883.3301,"confidence":1.0,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.1002168208360672},{"word":"i'd","start":1883.3301,"end":1883.49,"confidence":0.9995117,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.1304507851600647},{"word":"like","start":1883.49,"end":1883.73,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.14356781542301178},{"word":"to","start":1883.73,"end":1883.89,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14949093759059906},{"word":"look","start":1883.89,"end":1884.05,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.13787902891635895},{"word":"at","start":1884.05,"end":1884.29,"confidence":0.99121094,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.17428402602672577},{"word":"for","start":1884.29,"end":1884.53,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13316892087459564},{"word":"you","start":1884.53,"end":1885.01,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1619187295436859},{"word":"if","start":1885.01,"end":1885.17,"confidence":0.62890625,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1141037791967392},{"word":"that","start":1885.17,"end":1885.425,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11337696015834808},{"word":"helps","start":1887.5851,"end":1888.0851,"confidence":0.9970703,"punctuated_word":"helps.","sentiment":"neutral","sentiment_score":0.0943932980298996},{"word":"yeah","start":1889.8251,"end":1890.3251,"confidence":0.9667969,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.025104135274887085},{"word":"that's","start":1890.625,"end":1890.9451,"confidence":0.9379883,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.09586842358112337},{"word":"okay","start":1890.9451,"end":1891.4451,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.12308242917060852},{"word":"that's","start":1892.545,"end":1892.785,"confidence":0.9975586,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.056170545518398285},{"word":"okay","start":1892.785,"end":1893.285,"confidence":0.99853516,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.1481533646583557},{"word":"can","start":1893.425,"end":1893.925,"confidence":0.98291016,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.17352336645126343},{"word":"yeah","start":1895.665,"end":1896.165,"confidence":0.97509766,"punctuated_word":"yeah.","sentiment":"positive","sentiment_score":0.6146054267883301},{"word":"can","start":1896.7051,"end":1896.865,"confidence":0.8198242,"punctuated_word":"Can","sentiment":"neutral","sentiment_score":0.1228768229484558},{"word":"i","start":1896.865,"end":1897.1051,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09824039787054062},{"word":"show","start":1897.1051,"end":1897.265,"confidence":0.9951172,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.10561265796422958},{"word":"you","start":1897.265,"end":1897.505,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11171053349971773},{"word":"one","start":1897.505,"end":1897.745,"confidence":0.9980469,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.08781253546476364},{"word":"more","start":1897.745,"end":1897.905,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.05784781649708748},{"word":"thing","start":1897.905,"end":1898.2251,"confidence":0.9980469,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.05329403653740883},{"word":"before","start":1898.2251,"end":1898.545,"confidence":0.99902344,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.05050541087985039},{"word":"we","start":1898.545,"end":1898.7051,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.047298140823841095},{"word":"go","start":1898.7051,"end":1898.9451,"confidence":0.88720703,"punctuated_word":"go?","sentiment":"neutral","sentiment_score":0.060420118272304535},{"word":"just","start":1898.9451,"end":1899.265,"confidence":0.9921875,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.04131745174527168},{"word":"a","start":1899.265,"end":1899.3451,"confidence":0.93359375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05998411029577255},{"word":"really","start":1899.3451,"end":1899.665,"confidence":0.99902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.08242986351251602},{"word":"important","start":1899.665,"end":1900.145,"confidence":0.9970703,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.06875340640544891},{"word":"aspect","start":1900.145,"end":1900.545,"confidence":0.9970703,"punctuated_word":"aspect","sentiment":"neutral","sentiment_score":0.1123260334134102},{"word":"of","start":1900.545,"end":1900.7051,"confidence":0.95166016,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0908876284956932},{"word":"the","start":1900.7051,"end":1900.865,"confidence":0.9741211,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1237635537981987},{"word":"fee","start":1900.865,"end":1901.34,"confidence":0.8852539,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.11999967694282532},{"word":"structure","start":1901.5,"end":1902.0,"confidence":0.96435547,"punctuated_word":"structure.","sentiment":"neutral","sentiment_score":0.08868542313575745},{"word":"just","start":1902.2999,"end":1902.62,"confidence":0.8691406,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.060453228652477264},{"word":"on","start":1902.62,"end":1902.86,"confidence":0.9921875,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07767971605062485},{"word":"page","start":1902.86,"end":1903.1799,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.09695671498775482},{"word":"22","start":1903.1799,"end":1903.6599,"confidence":0.9199219,"punctuated_word":"22,","sentiment":"neutral","sentiment_score":0.10121116042137146},{"word":"if","start":1903.6599,"end":1903.82,"confidence":0.99609375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11848544329404832},{"word":"you","start":1903.82,"end":1903.98,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09701761603355408},{"word":"keep","start":1903.98,"end":1904.2999,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.09534628689289092},{"word":"going","start":1904.2999,"end":1904.7,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.11201085895299911},{"word":"down","start":1904.7,"end":1905.2,"confidence":0.9238281,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":0.12258903682231904},{"word":"we","start":1905.9,"end":1906.0599,"confidence":0.9614258,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1582268476486206},{"word":"did","start":1906.0599,"end":1906.2999,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.13401749730110168},{"word":"talk","start":1906.2999,"end":1906.5399,"confidence":0.99902344,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.12660034000873566},{"word":"before","start":1906.5399,"end":1906.94,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.10431841015815736},{"word":"about","start":1906.94,"end":1907.26,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.12484899163246156},{"word":"the","start":1907.26,"end":1907.4199,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12906326353549957},{"word":"changes","start":1907.4199,"end":1907.9,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.0893167108297348},{"word":"to","start":1907.9,"end":1908.0599,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11604998260736464},{"word":"make","start":1908.0599,"end":1908.22,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.11199793219566344},{"word":"to","start":1908.22,"end":1908.38,"confidence":0.98095703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1011560708284378},{"word":"your","start":1908.38,"end":1908.62,"confidence":0.91748047,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08855149149894714},{"word":"portfolio","start":1908.62,"end":1909.12,"confidence":0.83984375,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.07906564325094223},{"word":"and","start":1909.9,"end":1910.14,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12224897742271423},{"word":"i","start":1910.14,"end":1910.22,"confidence":0.39575195,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14785324037075043},{"word":"did","start":1910.22,"end":1910.5399,"confidence":0.9970703,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.14897453784942627},{"word":"explain","start":1910.5399,"end":1910.7799,"confidence":0.99121094,"punctuated_word":"explain","sentiment":"neutral","sentiment_score":0.13892927765846252},{"word":"that","start":1910.7799,"end":1911.02,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13640537858009338},{"word":"your","start":1911.02,"end":1911.1799,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1439337581396103},{"word":"super","start":1911.1799,"end":1911.58,"confidence":0.89501953,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.12666647136211395},{"word":"fund","start":1911.58,"end":1911.9,"confidence":0.9453125,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.10384736210107803},{"word":"does","start":1911.9,"end":1912.22,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.11370328068733215},{"word":"pay","start":1912.22,"end":1912.62,"confidence":0.9941406,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.0752512589097023},{"word":"cdt","start":1912.62,"end":1913.12,"confidence":0.89697266,"punctuated_word":"CDT","sentiment":"neutral","sentiment_score":0.04031698778271675},{"word":"or","start":1913.26,"end":1913.4199,"confidence":0.99609375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.06094915419816971},{"word":"tax","start":1913.4199,"end":1913.82,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.07439199835062027},{"word":"consequences","start":1913.82,"end":1914.32,"confidence":0.99902344,"punctuated_word":"consequences","sentiment":"neutral","sentiment_score":0.03752628713846207},{"word":"as","start":1914.5399,"end":1914.7,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09797250479459764},{"word":"well","start":1914.7,"end":1915.2,"confidence":0.99609375,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.0904821753501892},{"word":"so","start":1915.485,"end":1915.645,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1480586975812912},{"word":"we","start":1915.645,"end":1915.725,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15901005268096924},{"word":"do","start":1915.725,"end":1916.125,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.16778017580509186},{"word":"know","start":1916.125,"end":1916.365,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.17345209419727323},{"word":"by","start":1916.365,"end":1916.605,"confidence":0.9790039,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.1771499067544937},{"word":"making","start":1916.605,"end":1916.925,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.22873035073280337},{"word":"the","start":1916.925,"end":1917.165,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1880929321050644},{"word":"changes","start":1917.165,"end":1917.645,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.19619181752204895},{"word":"above","start":1917.645,"end":1918.125,"confidence":0.8918457,"punctuated_word":"above,","sentiment":"neutral","sentiment_score":0.20284242928028107},{"word":"all","start":1918.125,"end":1918.285,"confidence":0.96777344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.23440085351467133},{"word":"the","start":1918.285,"end":1918.445,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19880712032318115},{"word":"red","start":1918.445,"end":1918.605,"confidence":1.0,"punctuated_word":"red","sentiment":"neutral","sentiment_score":0.1289258450269699},{"word":"and","start":1918.605,"end":1918.765,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1414232850074768},{"word":"green","start":1918.765,"end":1919.085,"confidence":0.9970703,"punctuated_word":"green","sentiment":"neutral","sentiment_score":0.1564803570508957},{"word":"that","start":1919.085,"end":1919.245,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.190331369638443},{"word":"you","start":1919.245,"end":1919.405,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16679522395133972},{"word":"saw","start":1919.405,"end":1919.905,"confidence":0.9941406,"punctuated_word":"saw,","sentiment":"neutral","sentiment_score":0.125898078083992},{"word":"the","start":1920.445,"end":1920.605,"confidence":0.5786133,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12509237229824066},{"word":"cgt","start":1920.605,"end":1921.105,"confidence":0.9946289,"punctuated_word":"CGT","sentiment":"neutral","sentiment_score":0.06611883640289307},{"word":"expectation","start":1921.325,"end":1921.825,"confidence":0.9980469,"punctuated_word":"expectation","sentiment":"neutral","sentiment_score":0.09553828835487366},{"word":"is","start":1921.965,"end":1922.205,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0915880724787712},{"word":"only","start":1922.205,"end":1922.605,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.06982055306434631},{"word":"1,385","start":1922.605,"end":1924.6849,"confidence":0.9983259,"punctuated_word":"1,385.","sentiment":"neutral","sentiment_score":0.07617710530757904},{"word":"so","start":1924.6849,"end":1924.925,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13822689652442932},{"word":"to","start":1924.925,"end":1925.325,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16755113005638125},{"word":"change","start":1925.325,"end":1925.805,"confidence":0.59521484,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.1872819662094116},{"word":"and","start":1925.805,"end":1925.965,"confidence":0.56689453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17935051023960114},{"word":"make","start":1925.965,"end":1926.205,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.20080219209194183},{"word":"changes","start":1926.205,"end":1926.605,"confidence":0.99902344,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.19592061638832092},{"word":"to","start":1926.605,"end":1926.765,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1734922230243683},{"word":"the","start":1926.765,"end":1926.925,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1623138189315796},{"word":"portfolio","start":1926.925,"end":1927.425,"confidence":0.99853516,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.14040452241897583},{"word":"we","start":1928.125,"end":1928.285,"confidence":0.9448242,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17024987936019895},{"word":"expect","start":1928.285,"end":1928.765,"confidence":0.99902344,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":0.20802171528339383},{"word":"your","start":1928.765,"end":1929.085,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2086903750896454},{"word":"super","start":1929.085,"end":1929.405,"confidence":0.8828125,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.16296878457069397},{"word":"fund","start":1929.405,"end":1929.645,"confidence":0.9448242,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.19969840347766876},{"word":"to","start":1929.645,"end":1929.725,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18437643349170685},{"word":"pay","start":1929.725,"end":1929.965,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.18070262670516968},{"word":"$1,385","start":1929.965,"end":1931.83,"confidence":0.9956543,"punctuated_word":"$1,385","sentiment":"neutral","sentiment_score":0.1801242232322693},{"word":"in","start":1931.83,"end":1932.07,"confidence":0.96240234,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11998283863067628},{"word":"cgt","start":1932.07,"end":1932.57,"confidence":0.97770184,"punctuated_word":"CGT.","sentiment":"neutral","sentiment_score":0.10462947934865952},{"word":"it","start":1933.51,"end":1933.75,"confidence":0.9550781,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.1551200896501541},{"word":"doesn't","start":1933.75,"end":1933.99,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.1782679557800293},{"word":"change","start":1933.99,"end":1934.39,"confidence":1.0,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.13374200463294983},{"word":"the","start":1934.39,"end":1934.63,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15360409021377563},{"word":"administration","start":1934.63,"end":1935.13,"confidence":1.0,"punctuated_word":"administration","sentiment":"neutral","sentiment_score":0.14319154620170593},{"word":"fees","start":1935.35,"end":1935.59,"confidence":0.97753906,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":0.12371230125427246},{"word":"they","start":1935.59,"end":1935.83,"confidence":1.0,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.2312513291835785},{"word":"stay","start":1935.83,"end":1936.23,"confidence":0.99121094,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":0.26400575041770935},{"word":"exactly","start":1936.23,"end":1936.63,"confidence":0.9980469,"punctuated_word":"exactly","sentiment":"positive","sentiment_score":0.3370078206062317},{"word":"the","start":1936.63,"end":1936.7899,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3001326024532318},{"word":"same","start":1936.7899,"end":1937.0299,"confidence":0.8835449,"punctuated_word":"same,","sentiment":"neutral","sentiment_score":0.32362425327301025},{"word":"but","start":1937.0299,"end":1937.27,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.3138415217399597},{"word":"the","start":1937.27,"end":1937.4299,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3521183431148529},{"word":"newer","start":1937.4299,"end":1937.83,"confidence":0.9980469,"punctuated_word":"newer","sentiment":"positive","sentiment_score":0.37237003445625305},{"word":"portfolio","start":1937.83,"end":1938.33,"confidence":0.99609375,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.2994895875453949},{"word":"saves","start":1938.5499,"end":1938.87,"confidence":0.984375,"punctuated_word":"saves","sentiment":"neutral","sentiment_score":0.32256969809532166},{"word":"you","start":1938.87,"end":1939.19,"confidence":0.9970703,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4248739182949066},{"word":"$690","start":1939.19,"end":1940.63,"confidence":0.9962158,"punctuated_word":"$690","sentiment":"positive","sentiment_score":0.48546046018600464},{"word":"a","start":1940.63,"end":1940.7899,"confidence":0.7163086,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4582667350769043},{"word":"year","start":1940.7899,"end":1941.0299,"confidence":1.0,"punctuated_word":"year","sentiment":"positive","sentiment_score":0.4333561062812805},{"word":"on","start":1941.0299,"end":1941.19,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.47876203060150146},{"word":"investment","start":1941.19,"end":1941.69,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.18534736335277557},{"word":"fees","start":1941.75,"end":1941.9099,"confidence":0.8532715,"punctuated_word":"fees.","sentiment":"positive","sentiment_score":0.34376269578933716},{"word":"so","start":1941.9099,"end":1942.07,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4614509642124176},{"word":"it","start":1942.07,"end":1942.3099,"confidence":0.99902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4922756850719452},{"word":"does","start":1942.3099,"end":1942.5499,"confidence":1.0,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.5201839804649353},{"word":"make","start":1942.5499,"end":1942.71,"confidence":1.0,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.4734402000904083},{"word":"your","start":1942.71,"end":1942.95,"confidence":0.99609375,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.44534316658973694},{"word":"investment","start":1942.95,"end":1943.35,"confidence":0.9970703,"punctuated_word":"investment","sentiment":"positive","sentiment_score":0.33957338333129883},{"word":"fees","start":1943.35,"end":1943.59,"confidence":0.9951172,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.4985581040382385},{"word":"a","start":1943.59,"end":1943.6699,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5079525709152222},{"word":"bit","start":1943.6699,"end":1943.9099,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.47094810009002686},{"word":"cheaper","start":1943.9099,"end":1944.23,"confidence":1.0,"punctuated_word":"cheaper","sentiment":"positive","sentiment_score":0.385922908782959},{"word":"as","start":1944.23,"end":1944.39,"confidence":0.99902344,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4106657207012177},{"word":"well","start":1944.39,"end":1944.585,"confidence":0.9980469,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.4907529056072235},{"word":"there","start":1944.585,"end":1944.825,"confidence":0.99853516,"punctuated_word":"there,","sentiment":"positive","sentiment_score":0.4428490400314331},{"word":"jason","start":1944.825,"end":1944.985,"confidence":0.9970703,"punctuated_word":"Jason.","sentiment":"neutral","sentiment_score":0.22088174521923065},{"word":"okay","start":1944.985,"end":1945.485,"confidence":0.7866211,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.18160778284072876},{"word":"absolutely","start":1949.385,"end":1949.885,"confidence":0.9880371,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.5430814623832703},{"word":"saving","start":1950.345,"end":1950.745,"confidence":0.9941406,"punctuated_word":"Saving","sentiment":"positive","sentiment_score":0.41678762435913086},{"word":"fees","start":1950.745,"end":1951.145,"confidence":0.9875488,"punctuated_word":"fees,","sentiment":"positive","sentiment_score":0.3443354368209839},{"word":"keeping","start":1951.145,"end":1951.465,"confidence":1.0,"punctuated_word":"keeping","sentiment":"positive","sentiment_score":0.7833881974220276},{"word":"more","start":1951.465,"end":1951.705,"confidence":1.0,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.7455402612686157},{"word":"money","start":1951.705,"end":1951.945,"confidence":1.0,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.760989785194397},{"word":"in","start":1951.945,"end":1952.105,"confidence":0.99121094,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.83092200756073},{"word":"your","start":1952.105,"end":1952.4249,"confidence":0.99609375,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.8233393430709839},{"word":"super","start":1952.4249,"end":1952.9049,"confidence":0.9873047,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.8166606426239014},{"word":"compounding","start":1952.9049,"end":1953.4049,"confidence":0.80444336,"punctuated_word":"compounding","sentiment":"positive","sentiment_score":0.7504588961601257},{"word":"for","start":1953.465,"end":1953.625,"confidence":0.9243164,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7598478198051453},{"word":"you","start":1953.625,"end":1953.865,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7755486965179443},{"word":"is","start":1953.865,"end":1954.105,"confidence":0.98535156,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.8228276968002319},{"word":"a","start":1954.105,"end":1954.265,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.8669310808181763},{"word":"really","start":1954.265,"end":1954.505,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.8681499361991882},{"word":"good","start":1954.505,"end":1954.745,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.8504344820976257},{"word":"idea","start":1954.745,"end":1955.245,"confidence":0.99853516,"punctuated_word":"idea.","sentiment":"positive","sentiment_score":0.7221984267234802},{"word":"it","start":1955.705,"end":1955.945,"confidence":0.72265625,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.6314464807510376},{"word":"does","start":1955.945,"end":1956.265,"confidence":0.99902344,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.6665353775024414},{"word":"work","start":1956.265,"end":1956.505,"confidence":0.99902344,"punctuated_word":"work","sentiment":"positive","sentiment_score":0.6763269305229187},{"word":"out","start":1956.505,"end":1956.66,"confidence":0.95410156,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.7286977767944336},{"word":"better","start":1956.74,"end":1957.06,"confidence":1.0,"punctuated_word":"better","sentiment":"positive","sentiment_score":0.5731639266014099},{"word":"for","start":1957.06,"end":1957.14,"confidence":0.99902344,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6199677586555481},{"word":"yourself","start":1957.14,"end":1957.64,"confidence":0.99609375,"punctuated_word":"yourself.","sentiment":"positive","sentiment_score":0.578685998916626},{"word":"the","start":1958.02,"end":1958.3401,"confidence":0.92333984,"punctuated_word":"The","sentiment":"positive","sentiment_score":0.3512275815010071},{"word":"cgt","start":1958.3401,"end":1958.8401,"confidence":0.93066406,"punctuated_word":"CGT","sentiment":"neutral","sentiment_score":0.2634134292602539},{"word":"does","start":1959.4601,"end":1959.7001,"confidence":0.9980469,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.23724277317523956},{"word":"mean","start":1959.7001,"end":1960.02,"confidence":0.99902344,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.2703011929988861},{"word":"that","start":1960.02,"end":1960.26,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23973435163497925},{"word":"setting","start":1960.26,"end":1960.66,"confidence":0.5336914,"punctuated_word":"setting","sentiment":"neutral","sentiment_score":0.2414969503879547},{"word":"$100","start":1960.66,"end":1961.4,"confidence":0.9875488,"punctuated_word":"$100","sentiment":"neutral","sentiment_score":0.1735891550779343},{"word":"is","start":1961.62,"end":1961.86,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.17267997562885284},{"word":"deducted","start":1961.86,"end":1962.26,"confidence":0.9248047,"punctuated_word":"deducted","sentiment":"neutral","sentiment_score":0.16681243479251862},{"word":"for","start":1962.26,"end":1962.5,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.208162322640419},{"word":"the","start":1962.5,"end":1962.5801,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1693471223115921},{"word":"tax","start":1962.5801,"end":1962.9,"confidence":0.9980469,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.20329177379608152},{"word":"side","start":1962.9,"end":1963.14,"confidence":1.0,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.1965641975402832},{"word":"of","start":1963.14,"end":1963.3,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1952926069498062},{"word":"things","start":1963.3,"end":1963.62,"confidence":0.92456055,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.14106258749961853},{"word":"but","start":1963.62,"end":1963.9401,"confidence":0.7138672,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.15312695503234863},{"word":"overall","start":1963.9401,"end":1964.3401,"confidence":0.82128906,"punctuated_word":"overall,","sentiment":"neutral","sentiment_score":0.1751514971256256},{"word":"when","start":1964.3401,"end":1964.5,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.20732173323631287},{"word":"you","start":1964.5,"end":1964.66,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22521808743476868},{"word":"consider","start":1964.66,"end":1965.06,"confidence":0.9941406,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":0.1730404496192932},{"word":"that","start":1965.06,"end":1965.2201,"confidence":0.65270996,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.1895812749862671},{"word":"it's","start":1965.2201,"end":1965.3,"confidence":0.7675781,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.20246461033821103},{"word":"a","start":1965.3,"end":1965.4601,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1982814222574234},{"word":"one","start":1965.4601,"end":1965.62,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.20209945738315585},{"word":"off","start":1965.62,"end":1965.86,"confidence":0.9589844,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.1351938098669052},{"word":"cgt","start":1965.86,"end":1966.36,"confidence":0.9680176,"punctuated_word":"CGT","sentiment":"neutral","sentiment_score":0.0800144225358963},{"word":"consequence","start":1966.5,"end":1967.0,"confidence":0.97265625,"punctuated_word":"consequence","sentiment":"neutral","sentiment_score":0.08191391825675964},{"word":"of","start":1967.14,"end":1967.3,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09802184253931046},{"word":"setting","start":1967.3,"end":1967.7001,"confidence":0.8051758,"punctuated_word":"setting","sentiment":"neutral","sentiment_score":0.12317956238985062},{"word":"$100","start":1967.7001,"end":1968.52,"confidence":0.9482422,"punctuated_word":"$100.","sentiment":"neutral","sentiment_score":0.1390342116355896},{"word":"whereas","start":1968.915,"end":1969.155,"confidence":1.0,"punctuated_word":"Whereas","sentiment":"neutral","sentiment_score":0.23383402824401855},{"word":"if","start":1969.155,"end":1969.395,"confidence":0.8774414,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2636633515357971},{"word":"you're","start":1969.395,"end":1969.635,"confidence":0.9951172,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2999804615974426},{"word":"then","start":1969.635,"end":1969.9551,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.3113766014575958},{"word":"saving","start":1969.9551,"end":1970.4551,"confidence":0.9970703,"punctuated_word":"saving","sentiment":"neutral","sentiment_score":0.27310511469841003},{"word":"$690","start":1970.515,"end":1971.875,"confidence":0.9472656,"punctuated_word":"$690","sentiment":"positive","sentiment_score":0.3805738091468811},{"word":"on","start":1971.875,"end":1972.115,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.4226384162902832},{"word":"investment","start":1972.115,"end":1972.615,"confidence":0.9980469,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.21116051077842712},{"word":"fees","start":1972.675,"end":1973.155,"confidence":0.99316406,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.2974722981452942},{"word":"and","start":1973.155,"end":1973.395,"confidence":0.83984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2979545593261719},{"word":"you","start":1973.395,"end":1973.7151,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2649751305580139},{"word":"compound","start":1973.7151,"end":1974.2151,"confidence":1.0,"punctuated_word":"compound","sentiment":"neutral","sentiment_score":0.28034311532974243},{"word":"that","start":1974.275,"end":1974.5951,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.30416339635849},{"word":"or","start":1974.5951,"end":1974.8351,"confidence":0.84765625,"punctuated_word":"or,","sentiment":"neutral","sentiment_score":0.2234908640384674},{"word":"you","start":1974.8351,"end":1974.915,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23819872736930847},{"word":"know","start":1974.915,"end":1975.2351,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.24935805797576904},{"word":"that","start":1975.2351,"end":1975.555,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.28077390789985657},{"word":"over","start":1975.555,"end":1975.875,"confidence":0.9970703,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.25789737701416016},{"word":"the","start":1975.875,"end":1976.035,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26224127411842346},{"word":"next","start":1976.035,"end":1976.3551,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.19203616678714752},{"word":"seven","start":1976.3551,"end":1976.675,"confidence":1.0,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":0.1968827992677689},{"word":"years","start":1976.675,"end":1977.175,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.21266260743141177},{"word":"is","start":1977.555,"end":1977.7151,"confidence":0.60253906,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2893478572368622},{"word":"about","start":1977.7151,"end":1978.115,"confidence":0.99609375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.26205897331237793},{"word":"$44,800","start":1978.115,"end":1980.515,"confidence":0.9790446,"punctuated_word":"$44,800","sentiment":"neutral","sentiment_score":0.2931785583496094},{"word":"in","start":1980.515,"end":1980.675,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3169144093990326},{"word":"fees","start":1980.675,"end":1981.0751,"confidence":0.98291016,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.28035151958465576},{"word":"that","start":1981.0751,"end":1981.2351,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2987861633300781},{"word":"you've","start":1981.2351,"end":1981.555,"confidence":0.8574219,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.28131991624832153},{"word":"saved","start":1981.555,"end":1982.055,"confidence":0.99609375,"punctuated_word":"saved","sentiment":"neutral","sentiment_score":0.23431448638439176},{"word":"if","start":1982.115,"end":1982.1951,"confidence":0.9453125,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.231946662068367},{"word":"it","start":1982.1951,"end":1982.435,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.22430485486984253},{"word":"stays","start":1982.435,"end":1982.755,"confidence":0.9902344,"punctuated_word":"stays","sentiment":"neutral","sentiment_score":0.17678438127040863},{"word":"the","start":1982.755,"end":1982.915,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17807674407958984},{"word":"same","start":1982.915,"end":1983.3,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.18725061416625977},{"word":"way","start":1983.3,"end":1983.7001,"confidence":0.95092773,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":0.19717612862586975},{"word":"so","start":1983.7001,"end":1984.2001,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.30530351400375366},{"word":"that","start":1984.66,"end":1984.9801,"confidence":0.7651367,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4550720751285553},{"word":"can","start":1984.9801,"end":1985.14,"confidence":0.99902344,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.6463639736175537},{"word":"make","start":1985.14,"end":1985.3,"confidence":1.0,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.7120576500892639},{"word":"a","start":1985.3,"end":1985.4601,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7265915870666504},{"word":"much","start":1985.4601,"end":1985.8601,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.7174227237701416},{"word":"greater","start":1985.8601,"end":1986.3601,"confidence":0.9980469,"punctuated_word":"greater","sentiment":"positive","sentiment_score":0.7244845032691956},{"word":"a","start":1986.5,"end":1986.8201,"confidence":0.75097656,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7581688165664673},{"word":"difference","start":1986.8201,"end":1987.3,"confidence":0.66259766,"punctuated_word":"difference","sentiment":"positive","sentiment_score":0.7394779324531555},{"word":"for","start":1987.3,"end":1987.54,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7369825839996338},{"word":"you","start":1987.54,"end":1987.78,"confidence":0.87646484,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.675696849822998},{"word":"and","start":1987.78,"end":1988.02,"confidence":1.0,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.5053566694259644},{"word":"the","start":1988.02,"end":1988.1001,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.569153904914856},{"word":"newer","start":1988.1001,"end":1988.5801,"confidence":0.9970703,"punctuated_word":"newer","sentiment":"positive","sentiment_score":0.4706854224205017},{"word":"portfolios","start":1988.5801,"end":1989.0801,"confidence":0.8886719,"punctuated_word":"portfolios","sentiment":"positive","sentiment_score":0.376362144947052},{"word":"had","start":1989.38,"end":1989.62,"confidence":0.96435547,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.4408247768878937},{"word":"a","start":1989.62,"end":1989.78,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4453589916229248},{"word":"higher","start":1989.78,"end":1990.1001,"confidence":0.99902344,"punctuated_word":"higher","sentiment":"positive","sentiment_score":0.34457147121429443},{"word":"past","start":1990.1001,"end":1990.5,"confidence":0.99121094,"punctuated_word":"past","sentiment":"positive","sentiment_score":0.49885550141334534},{"word":"performance","start":1990.5,"end":1991.0,"confidence":1.0,"punctuated_word":"performance","sentiment":"positive","sentiment_score":0.4519924521446228},{"word":"as","start":1991.14,"end":1991.3,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.5158397555351257},{"word":"well","start":1991.3,"end":1991.7001,"confidence":0.97802734,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.48960793018341064},{"word":"so","start":1991.7001,"end":1991.8601,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5044209361076355},{"word":"when","start":1991.8601,"end":1992.02,"confidence":1.0,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.6291819214820862},{"word":"we","start":1992.02,"end":1992.26,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.5515137314796448},{"word":"look","start":1992.26,"end":1992.5,"confidence":1.0,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.5448220372200012},{"word":"at","start":1992.5,"end":1992.5801,"confidence":1.0,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.5787697434425354},{"word":"that","start":1992.5801,"end":1992.8201,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6132432818412781},{"word":"moving","start":1992.8201,"end":1993.2201,"confidence":0.9951172,"punctuated_word":"moving","sentiment":"positive","sentiment_score":0.5919349193572998},{"word":"forward","start":1993.2201,"end":1993.7201,"confidence":0.99853516,"punctuated_word":"forward,","sentiment":"positive","sentiment_score":0.6063466668128967},{"word":"it","start":1994.5,"end":1994.66,"confidence":0.97998047,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.6158126592636108},{"word":"can","start":1994.66,"end":1994.9801,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.5674091577529907},{"word":"obviously","start":1994.9801,"end":1995.4801,"confidence":0.96533203,"punctuated_word":"obviously","sentiment":"positive","sentiment_score":0.548647403717041},{"word":"provide","start":1995.54,"end":1995.8601,"confidence":0.99902344,"punctuated_word":"provide","sentiment":"positive","sentiment_score":0.471980482339859},{"word":"greater","start":1995.8601,"end":1996.3601,"confidence":0.99902344,"punctuated_word":"greater","sentiment":"positive","sentiment_score":0.43986955285072327},{"word":"future","start":1996.5801,"end":1996.9801,"confidence":0.98535156,"punctuated_word":"future","sentiment":"positive","sentiment_score":0.5304699540138245},{"word":"performance","start":1996.9801,"end":1997.4601,"confidence":0.97216797,"punctuated_word":"performance,","sentiment":"positive","sentiment_score":0.548163890838623},{"word":"which","start":1997.4601,"end":1997.62,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.489338219165802},{"word":"is","start":1997.62,"end":1997.78,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.39657020568847656},{"word":"what","start":1997.78,"end":1997.9401,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.34113726019859314},{"word":"we","start":1997.9401,"end":1998.1001,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3530327081680298},{"word":"also","start":1998.1001,"end":1998.495,"confidence":1.0,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.3735542297363281},{"word":"wanna","start":1998.575,"end":1998.735,"confidence":0.99316406,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.39123955368995667},{"word":"see","start":1998.735,"end":1998.895,"confidence":0.99658203,"punctuated_word":"see.","sentiment":"positive","sentiment_score":0.36183804273605347},{"word":"okay","start":1998.895,"end":1999.395,"confidence":0.732666,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2378627210855484},{"word":"yeah","start":2001.615,"end":2002.115,"confidence":0.9909668,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.4429552555084229},{"word":"beautiful","start":2002.255,"end":2002.755,"confidence":0.99853516,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5669340491294861},{"word":"it","start":2002.815,"end":2002.975,"confidence":0.99902344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.30747729539871216},{"word":"does","start":2002.975,"end":2003.295,"confidence":0.99902344,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.20820263028144836},{"word":"sort","start":2003.295,"end":2003.455,"confidence":0.98535156,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1285143792629242},{"word":"of","start":2003.455,"end":2003.615,"confidence":0.57128906,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09245151281356812},{"word":"show","start":2003.615,"end":2003.775,"confidence":1.0,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.07568739354610443},{"word":"on","start":2003.775,"end":2004.175,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06937427818775177},{"word":"yeah","start":2005.695,"end":2005.9349,"confidence":0.9926758,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.0731012225151062},{"word":"on","start":2005.9349,"end":2006.175,"confidence":0.99902344,"punctuated_word":"On","sentiment":"neutral","sentiment_score":0.07373461127281189},{"word":"the","start":2006.175,"end":2006.255,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12222106754779816},{"word":"very","start":2006.255,"end":2006.495,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.11248964816331863},{"word":"last","start":2006.495,"end":2006.815,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.08655215799808502},{"word":"page","start":2006.815,"end":2007.215,"confidence":0.9926758,"punctuated_word":"page,","sentiment":"neutral","sentiment_score":0.11521796882152556},{"word":"if","start":2007.215,"end":2007.375,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.14033189415931702},{"word":"you're","start":2007.375,"end":2007.615,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.11975833028554916},{"word":"comfortable","start":2007.615,"end":2008.095,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.10306347906589508},{"word":"to","start":2008.095,"end":2008.255,"confidence":0.8183594,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15214402973651886},{"word":"if","start":2008.415,"end":2008.575,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.18501393496990204},{"word":"you","start":2008.575,"end":2008.735,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15977410972118378},{"word":"wanna","start":2008.735,"end":2009.055,"confidence":0.99609375,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.19134846329689023},{"word":"take","start":2009.055,"end":2009.215,"confidence":0.99902344,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.17547494173049927},{"word":"it","start":2009.215,"end":2009.375,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1663474589586258},{"word":"back","start":2009.375,"end":2009.615,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.1612849235534668},{"word":"and","start":2009.615,"end":2009.775,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1412460207939148},{"word":"read","start":2009.775,"end":2010.015,"confidence":1.0,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.12908872961997986},{"word":"it","start":2010.015,"end":2010.175,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14700374007225037},{"word":"over","start":2010.175,"end":2010.415,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.1499202698469162},{"word":"before","start":2010.415,"end":2010.815,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.13147927820682526},{"word":"you","start":2010.815,"end":2011.055,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1133861243724823},{"word":"sign","start":2011.055,"end":2011.215,"confidence":1.0,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.10047456622123718},{"word":"it","start":2011.215,"end":2011.455,"confidence":0.99902344,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.1706347614526749},{"word":"you","start":2011.455,"end":2011.695,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1811116337776184},{"word":"absolutely","start":2011.695,"end":2012.195,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.20416009426116943},{"word":"can","start":2012.31,"end":2012.55,"confidence":1.0,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":0.17045828700065613},{"word":"i","start":2012.55,"end":2012.7101,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0535966232419014},{"word":"don't","start":2012.7101,"end":2012.79,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.0241716168820858},{"word":"ever","start":2012.79,"end":2013.03,"confidence":0.99902344,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.01203346997499466},{"word":"want","start":2013.03,"end":2013.1901,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.06554490327835083},{"word":"you","start":2013.1901,"end":2013.3501,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00046402961015701294},{"word":"to","start":2013.3501,"end":2013.51,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06107383221387863},{"word":"sign","start":2013.51,"end":2013.75,"confidence":0.99902344,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":-0.1376972198486328},{"word":"anything","start":2013.75,"end":2014.0701,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.1066071316599846},{"word":"you're","start":2014.0701,"end":2014.15,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.1093204915523529},{"word":"not","start":2014.15,"end":2014.39,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.11582894623279572},{"word":"comfortable","start":2014.39,"end":2014.8701,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.15504245460033417},{"word":"signing","start":2014.8701,"end":2015.3701,"confidence":0.98657227,"punctuated_word":"signing.","sentiment":"neutral","sentiment_score":-0.12428054213523863},{"word":"so","start":2016.39,"end":2016.63,"confidence":0.58496094,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07323751598596573},{"word":"if","start":2016.63,"end":2016.79,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06745405495166779},{"word":"you","start":2016.79,"end":2016.8701,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05621996521949768},{"word":"wanna","start":2016.8701,"end":2017.1901,"confidence":0.99121094,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.08264416456222534},{"word":"take","start":2017.1901,"end":2017.43,"confidence":0.99902344,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.07243383675813675},{"word":"some","start":2017.43,"end":2017.5901,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.07605782896280289},{"word":"time","start":2017.5901,"end":2017.91,"confidence":0.9909668,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.08792969584465027},{"word":"read","start":2017.91,"end":2018.15,"confidence":0.99902344,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.07842613011598587},{"word":"it","start":2018.15,"end":2018.2301,"confidence":0.984375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0703439712524414},{"word":"over","start":2018.2301,"end":2018.4701,"confidence":0.8400879,"punctuated_word":"over,","sentiment":"neutral","sentiment_score":0.053497716784477234},{"word":"and","start":2018.4701,"end":2018.63,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0709771141409874},{"word":"let","start":2018.63,"end":2018.79,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.0778207927942276},{"word":"me","start":2018.79,"end":2018.8701,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.08660639077425003},{"word":"know","start":2018.8701,"end":2019.03,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.09544900804758072},{"word":"if","start":2019.03,"end":2019.1901,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09513460099697112},{"word":"there's","start":2019.1901,"end":2019.3501,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.10269870609045029},{"word":"any","start":2019.3501,"end":2019.51,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.09017788618803024},{"word":"questions","start":2019.51,"end":2019.91,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.056615933775901794},{"word":"you're","start":2019.91,"end":2020.0701,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.01884301006793976},{"word":"allowed","start":2020.0701,"end":2020.4701,"confidence":1.0,"punctuated_word":"allowed","sentiment":"neutral","sentiment_score":0.007653869688510895},{"word":"to","start":2020.4701,"end":2020.9701,"confidence":0.99902344,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":0.013315645977854729},{"word":"alternatively","start":2021.27,"end":2021.77,"confidence":0.9995117,"punctuated_word":"Alternatively,","sentiment":"neutral","sentiment_score":0.03669304400682449},{"word":"if","start":2021.91,"end":2022.0701,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1122770607471466},{"word":"you","start":2022.0701,"end":2022.2301,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10699932277202606},{"word":"decide","start":2022.2301,"end":2022.63,"confidence":0.9921875,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.11680197715759276},{"word":"you","start":2022.63,"end":2022.79,"confidence":0.95947266,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11022628843784332},{"word":"wanna","start":2022.79,"end":2023.1101,"confidence":0.99121094,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.13055519759655},{"word":"sign","start":2023.1101,"end":2023.3501,"confidence":0.99609375,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.0821305587887764},{"word":"it","start":2023.3501,"end":2023.5901,"confidence":0.9995117,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.12423701584339142},{"word":"i","start":2023.5901,"end":2023.75,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17425943911075592},{"word":"can","start":2023.75,"end":2023.91,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1594939082860947},{"word":"always","start":2023.91,"end":2024.31,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.18079370260238647},{"word":"email","start":2024.31,"end":2024.63,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.11154471337795258},{"word":"it","start":2024.63,"end":2024.79,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13103067874908447},{"word":"back","start":2024.79,"end":2024.9501,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.11709006130695344},{"word":"to","start":2024.9501,"end":2025.03,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12646013498306274},{"word":"you","start":2025.03,"end":2025.1901,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14988142251968384},{"word":"so","start":2025.1901,"end":2025.43,"confidence":0.9301758,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.16763316094875336},{"word":"you've","start":2025.43,"end":2025.5901,"confidence":0.99853516,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.15035101771354675},{"word":"got","start":2025.5901,"end":2025.75,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1894443780183792},{"word":"it","start":2025.75,"end":2025.91,"confidence":0.9716797,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.17464575171470642},{"word":"as","start":2025.91,"end":2026.0701,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13034038245677948},{"word":"a","start":2026.0701,"end":2026.2301,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11829350143671036},{"word":"copy","start":2026.2301,"end":2026.55,"confidence":1.0,"punctuated_word":"copy","sentiment":"neutral","sentiment_score":0.10620288550853728},{"word":"as","start":2026.55,"end":2026.815,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13238611817359924},{"word":"well","start":2026.815,"end":2026.975,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.12556254863739014},{"word":"it's","start":2026.975,"end":2027.2949,"confidence":1.0,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.12590894103050232},{"word":"up","start":2027.2949,"end":2027.5349,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.12391145527362823},{"word":"to","start":2027.5349,"end":2027.615,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1204485520720482},{"word":"you","start":2027.615,"end":2027.9349,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11243991553783415},{"word":"how","start":2027.9349,"end":2028.0149,"confidence":0.9980469,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.0913047045469284},{"word":"you","start":2028.0149,"end":2028.2549,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08937730640172958},{"word":"would","start":2028.2549,"end":2028.4149,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.08324526250362396},{"word":"like","start":2028.4149,"end":2028.6549,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.077519990503788},{"word":"to","start":2028.6549,"end":2028.735,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08305444568395615},{"word":"proceed","start":2028.735,"end":2029.235,"confidence":1.0,"punctuated_word":"proceed.","sentiment":"neutral","sentiment_score":0.08360081911087036},{"word":"yeah","start":2035.855,"end":2036.355,"confidence":0.97631836,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.008414477109909058},{"word":"yeah","start":2040.8949,"end":2041.215,"confidence":0.99609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05020090565085411},{"word":"that's","start":2041.215,"end":2041.62,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07669569551944733},{"word":"fine","start":2041.7,"end":2042.2,"confidence":1.0,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.09272637218236925},{"word":"that's","start":2051.06,"end":2051.46,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2486786842346191},{"word":"absolutely","start":2051.46,"end":2051.96,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.24081680178642273},{"word":"fine","start":2052.1,"end":2052.42,"confidence":1.0,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.20795565843582153},{"word":"yeah","start":2052.42,"end":2052.74,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13149935007095337},{"word":"definitely","start":2052.74,"end":2053.24,"confidence":0.99853516,"punctuated_word":"Definitely.","sentiment":"neutral","sentiment_score":0.14006105065345764},{"word":"they're","start":2053.46,"end":2053.7,"confidence":0.9814453,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":0.022351963445544243},{"word":"bankers","start":2053.7,"end":2054.18,"confidence":0.923584,"punctuated_word":"bankers,","sentiment":"neutral","sentiment_score":0.03467999026179314},{"word":"are","start":2054.18,"end":2054.34,"confidence":0.9838867,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.031044544652104374},{"word":"they","start":2054.34,"end":2054.66,"confidence":0.99902344,"punctuated_word":"they?","sentiment":"neutral","sentiment_score":0.013037273660302162},{"word":"they","start":2054.66,"end":2054.82,"confidence":0.9873047,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.0002994732931256294},{"word":"work","start":2054.82,"end":2054.98,"confidence":0.99902344,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.0036056218668818474},{"word":"in","start":2054.98,"end":2055.135,"confidence":0.9428711,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.00046415720134973526},{"word":"a","start":2055.135,"end":2055.635,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0019225289579480889},{"word":"bank","start":2058.815,"end":2059.315,"confidence":0.80566406,"punctuated_word":"bank?","sentiment":"neutral","sentiment_score":0.0001798020675778389},{"word":"yeah","start":2060.495,"end":2060.995,"confidence":0.79663086,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.009228594601154327},{"word":"yeah","start":2062.495,"end":2062.895,"confidence":0.9589844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.004560043103992939},{"word":"right","start":2062.895,"end":2063.395,"confidence":0.99121094,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.005040930118411779},{"word":"yeah","start":2067.455,"end":2067.855,"confidence":0.9748535,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0106256864964962},{"word":"right","start":2067.855,"end":2068.08,"confidence":0.9941406,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":-0.003706446383148432},{"word":"yeah","start":2070.96,"end":2071.2002,"confidence":0.9946289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01463652402162552},{"word":"right","start":2071.2002,"end":2071.7002,"confidence":0.99560547,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":-0.010068596340715883},{"word":"yeah","start":2076.4001,"end":2076.9001,"confidence":0.9914551,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04252901673316955},{"word":"oh","start":2084.355,"end":2084.435,"confidence":0.7585449,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.12027046829462051},{"word":"good","start":2084.435,"end":2084.755,"confidence":0.9807129,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.1454390585422516},{"word":"he's","start":2084.755,"end":2084.995,"confidence":0.9916992,"punctuated_word":"He's","sentiment":"neutral","sentiment_score":0.05251767486333847},{"word":"in","start":2084.995,"end":2085.235,"confidence":0.8359375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07939255237579346},{"word":"lending","start":2085.235,"end":2085.735,"confidence":0.9814453,"punctuated_word":"lending.","sentiment":"neutral","sentiment_score":0.09334569424390791},{"word":"yeah","start":2085.875,"end":2086.375,"confidence":0.9736328,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05155700445175171},{"word":"yeah","start":2086.515,"end":2087.015,"confidence":0.95581055,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03872255235910416},{"word":"yeah","start":2088.995,"end":2089.495,"confidence":0.9921875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04239186644554138},{"word":"yeah","start":2100.45,"end":2100.7698,"confidence":0.8708496,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.055448152124881744},{"word":"no","start":2100.7698,"end":2100.93,"confidence":0.99609375,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.13042640686035156},{"word":"that's","start":2100.93,"end":2101.17,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.19959859549999237},{"word":"absolutely","start":2101.17,"end":2101.67,"confidence":0.9980469,"punctuated_word":"absolutely","sentiment":"negative","sentiment_score":-0.3648950159549713},{"word":"fine","start":2101.8098,"end":2102.3098,"confidence":1.0,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":-0.2830352187156677},{"word":"yeah","start":2103.97,"end":2104.2898,"confidence":0.99609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.14086797833442688},{"word":"no","start":2104.2898,"end":2104.7898,"confidence":0.9914551,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1974974274635315},{"word":"absolutely","start":2105.17,"end":2105.67,"confidence":0.9980469,"punctuated_word":"Absolutely","sentiment":"neutral","sentiment_score":0.02828824520111084},{"word":"fine","start":2105.97,"end":2106.21,"confidence":0.9995117,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.04407232999801636},{"word":"that's","start":2106.21,"end":2106.5298,"confidence":0.7998047,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2572471499443054},{"word":"not","start":2106.5298,"end":2106.69,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.3015700578689575},{"word":"a","start":2106.69,"end":2106.7698,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.233036071062088},{"word":"problem","start":2106.7698,"end":2107.0898,"confidence":1.0,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.3064306378364563},{"word":"at","start":2107.0898,"end":2107.25,"confidence":0.9951172,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.34703168272972107},{"word":"all","start":2107.25,"end":2107.3298,"confidence":0.9995117,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.3027328848838806},{"word":"if","start":2107.3298,"end":2107.41,"confidence":0.95947266,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.322855681180954},{"word":"there","start":2107.41,"end":2107.5698,"confidence":0.9951172,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.22700035572052},{"word":"are","start":2107.5698,"end":2107.65,"confidence":0.9902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.19211584329605105},{"word":"any","start":2107.65,"end":2107.89,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.23156222701072693},{"word":"questions","start":2107.89,"end":2108.21,"confidence":0.9980469,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.18434563279151917},{"word":"you're","start":2108.21,"end":2108.45,"confidence":1.0,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.22938518226146695},{"word":"welcome","start":2108.45,"end":2108.7698,"confidence":1.0,"punctuated_word":"welcome","sentiment":"neutral","sentiment_score":0.3070334196090698},{"word":"to","start":2108.7698,"end":2108.93,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2678092420101166},{"word":"let","start":2108.93,"end":2109.0898,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.23935486376285553},{"word":"me","start":2109.0898,"end":2109.25,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.2407371997833252},{"word":"know","start":2109.25,"end":2109.735,"confidence":0.9995117,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.2519463300704956},{"word":"yeah","start":2110.695,"end":2111.0952,"confidence":0.9506836,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09157317131757736},{"word":"once","start":2111.0952,"end":2111.415,"confidence":1.0,"punctuated_word":"Once","sentiment":"neutral","sentiment_score":0.08484241366386414},{"word":"you","start":2111.415,"end":2111.655,"confidence":0.6513672,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05213014781475067},{"word":"kind","start":2111.655,"end":2111.8152,"confidence":0.97998047,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.05763605609536171},{"word":"of","start":2111.8152,"end":2111.975,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0490691177546978},{"word":"have","start":2111.975,"end":2112.135,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03969930484890938},{"word":"had","start":2112.135,"end":2112.2952,"confidence":0.9658203,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.019947364926338196},{"word":"a","start":2112.2952,"end":2112.375,"confidence":0.61376953,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03150232508778572},{"word":"read","start":2112.375,"end":2112.615,"confidence":0.8520508,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.02318568527698517},{"word":"through","start":2112.615,"end":2112.8552,"confidence":0.9921875,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.027319006621837616},{"word":"it","start":2112.8552,"end":2113.0151,"confidence":0.9238281,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.013208532705903052},{"word":"i","start":2113.0151,"end":2113.175,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.032950252294540405},{"word":"would","start":2113.175,"end":2113.495,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.03291529417037964},{"word":"sort","start":2113.495,"end":2113.655,"confidence":0.9892578,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.009962175041437147},{"word":"of","start":2113.655,"end":2113.8152,"confidence":0.7675781,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0050147101283073425},{"word":"say","start":2113.8152,"end":2114.135,"confidence":0.99902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.0003315657377243042},{"word":"if","start":2114.135,"end":2114.375,"confidence":0.8041992,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.031030198559165},{"word":"you","start":2114.375,"end":2114.455,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.016693346202373505},{"word":"wanted","start":2114.455,"end":2114.695,"confidence":0.97802734,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.0012535527348518372},{"word":"to","start":2114.695,"end":2114.7751,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.009824633598327637},{"word":"make","start":2114.7751,"end":2114.935,"confidence":0.9970703,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.006532132625579834},{"word":"these","start":2114.935,"end":2115.175,"confidence":0.9428711,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.0023879334330558777},{"word":"changes","start":2115.175,"end":2115.5752,"confidence":0.9970703,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":-0.004366923123598099},{"word":"try","start":2115.5752,"end":2115.735,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.010782383382320404},{"word":"to","start":2115.735,"end":2115.8152,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.022798076272010803},{"word":"make","start":2115.8152,"end":2115.975,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.01321347802877426},{"word":"them","start":2115.975,"end":2116.2952,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.006278730928897858},{"word":"as","start":2116.2952,"end":2116.5352,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.026440180838108063},{"word":"soon","start":2116.5352,"end":2116.7751,"confidence":1.0,"punctuated_word":"soon","sentiment":"neutral","sentiment_score":-0.01312199980020523},{"word":"as","start":2116.7751,"end":2116.935,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.04357580095529556},{"word":"possible","start":2116.935,"end":2117.415,"confidence":0.8273926,"punctuated_word":"possible.","sentiment":"neutral","sentiment_score":-0.03233448415994644},{"word":"so","start":2117.415,"end":2117.5752,"confidence":0.96435547,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.017977245151996613},{"word":"the","start":2117.5752,"end":2117.735,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03592934086918831},{"word":"longer","start":2117.735,"end":2118.0552,"confidence":1.0,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":-0.049953702837228775},{"word":"we","start":2118.0552,"end":2118.2952,"confidence":0.9863281,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.04426289349794388},{"word":"wait","start":2118.2952,"end":2118.7952,"confidence":0.98657227,"punctuated_word":"wait,","sentiment":"neutral","sentiment_score":-0.06486403942108154},{"word":"obviously","start":2118.8552,"end":2119.2551,"confidence":0.99658203,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.07937481254339218},{"word":"the","start":2119.2551,"end":2119.495,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08708034455776215},{"word":"the","start":2119.495,"end":2119.655,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10368891060352324},{"word":"longer","start":2119.655,"end":2119.895,"confidence":1.0,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":-0.09952621906995772},{"word":"it","start":2119.895,"end":2120.0552,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.11533426493406296},{"word":"can","start":2120.0552,"end":2120.215,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.10516046732664108},{"word":"take","start":2120.215,"end":2120.455,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.10442665219306946},{"word":"to","start":2120.455,"end":2120.5352,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10603823512792589},{"word":"have","start":2120.5352,"end":2120.695,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.10773661732673644},{"word":"those","start":2120.695,"end":2120.935,"confidence":0.9980469,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.04766518995165825},{"word":"changes","start":2120.935,"end":2121.3352,"confidence":0.8405762,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":-0.06680703908205032},{"word":"and","start":2121.3352,"end":2121.495,"confidence":0.98291016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04208850488066673},{"word":"it","start":2121.495,"end":2121.655,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03830159455537796},{"word":"can","start":2121.655,"end":2121.8152,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.08430269360542297},{"word":"affect","start":2121.8152,"end":2122.0552,"confidence":0.99609375,"punctuated_word":"affect","sentiment":"neutral","sentiment_score":-0.02457467094063759},{"word":"your","start":2122.0552,"end":2122.2952,"confidence":0.9941406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.03204542398452759},{"word":"performance","start":2122.2952,"end":2122.7952,"confidence":1.0,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":-0.029005028307437897},{"word":"side","start":2122.8552,"end":2123.0952,"confidence":0.99902344,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.013919789344072342},{"word":"of","start":2123.0952,"end":2123.175,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01613997295498848},{"word":"things","start":2123.175,"end":2123.495,"confidence":0.9980469,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.02351420558989048},{"word":"so","start":2123.495,"end":2123.655,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.052001193165779114},{"word":"but","start":2123.99,"end":2124.23,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.07338015735149384},{"word":"let","start":2124.23,"end":2124.3098,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.08371224999427795},{"word":"me","start":2124.3098,"end":2124.39,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.09934315830469131},{"word":"know","start":2124.39,"end":2124.5498,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.1366526186466217},{"word":"if","start":2124.5498,"end":2124.63,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1156051754951477},{"word":"there's","start":2124.63,"end":2124.7898,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.13168370723724365},{"word":"any","start":2124.7898,"end":2124.95,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.11911402642726898},{"word":"questions","start":2124.95,"end":2125.3499,"confidence":0.99902344,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.10742582380771636},{"word":"you","start":2125.3499,"end":2125.51,"confidence":0.98828125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1336967945098877},{"word":"have","start":2125.51,"end":2125.75,"confidence":0.99658203,"punctuated_word":"have.","sentiment":"neutral","sentiment_score":0.10140425711870192},{"word":"i'm","start":2125.75,"end":2125.91,"confidence":1.0,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.34969741106033325},{"word":"always","start":2125.91,"end":2126.15,"confidence":1.0,"punctuated_word":"always","sentiment":"positive","sentiment_score":0.49031248688697815},{"word":"happy","start":2126.15,"end":2126.47,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.3954842984676361},{"word":"to","start":2126.47,"end":2126.5498,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3608765602111816},{"word":"answer","start":2126.5498,"end":2126.7898,"confidence":0.9970703,"punctuated_word":"answer","sentiment":"positive","sentiment_score":0.39327681064605713},{"word":"them","start":2126.7898,"end":2126.95,"confidence":0.99902344,"punctuated_word":"them.","sentiment":"positive","sentiment_score":0.35225802659988403},{"word":"did","start":2126.95,"end":2127.1099,"confidence":0.99902344,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.0727914348244667},{"word":"you","start":2127.1099,"end":2127.19,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0806926041841507},{"word":"want","start":2127.19,"end":2127.3499,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.06311079859733582},{"word":"me","start":2127.3499,"end":2127.51,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.06203722208738327},{"word":"to","start":2127.51,"end":2127.5898,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04959246516227722},{"word":"go","start":2127.5898,"end":2127.8298,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.030698265880346295},{"word":"back","start":2127.8298,"end":2127.99,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.024402160197496418},{"word":"and","start":2127.99,"end":2128.15,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.005868345499038696},{"word":"just","start":2128.15,"end":2128.39,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.026768464595079425},{"word":"have","start":2128.39,"end":2128.47,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04565161466598511},{"word":"a","start":2128.47,"end":2128.5498,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.048872217535972595},{"word":"look","start":2128.5498,"end":2128.71,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.03138364106416702},{"word":"at","start":2128.71,"end":2128.8699,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05397266149520874},{"word":"the","start":2128.8699,"end":2128.95,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.046175893396139145},{"word":"c","start":2128.95,"end":2129.19,"confidence":0.57910156,"punctuated_word":"c","sentiment":"neutral","sentiment_score":0.04029899835586548},{"word":"bus","start":2129.19,"end":2129.3499,"confidence":0.93115234,"punctuated_word":"bus","sentiment":"neutral","sentiment_score":0.06690867990255356},{"word":"and","start":2129.3499,"end":2129.5898,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.040768083184957504},{"word":"get","start":2129.5898,"end":2129.75,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.05015330761671066},{"word":"that","start":2129.75,"end":2129.91,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07674934715032578},{"word":"additional","start":2129.91,"end":2130.39,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.0500563271343708},{"word":"growth","start":2130.39,"end":2130.71,"confidence":0.98535156,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.09604839980602264},{"word":"rate","start":2130.71,"end":2130.95,"confidence":0.9902344,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.08890637010335922},{"word":"for","start":2130.95,"end":2131.19,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.009317915886640549},{"word":"you","start":2131.19,"end":2131.3499,"confidence":0.8354492,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.00582464225590229},{"word":"or","start":2131.3499,"end":2131.51,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.02743473649024963},{"word":"you're","start":2131.51,"end":2131.8298,"confidence":0.7155762,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.02049246057868004},{"word":"happy","start":2131.8298,"end":2132.15,"confidence":0.99902344,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":-0.27757665514945984},{"word":"just","start":2132.15,"end":2132.39,"confidence":0.97509766,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2705884277820587},{"word":"to","start":2132.39,"end":2132.5498,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.23215776681900024},{"word":"leave","start":2132.5498,"end":2132.71,"confidence":0.9970703,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.2975603938102722},{"word":"it","start":2132.71,"end":2132.7898,"confidence":0.83203125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.20077186822891235},{"word":"for","start":2132.7898,"end":2132.95,"confidence":0.7182617,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.2508879601955414},{"word":"the","start":2132.95,"end":2133.1099,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.23357582092285156},{"word":"moment","start":2133.1099,"end":2133.6099,"confidence":0.9980469,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":-0.16275647282600403},{"word":"no","start":2134.0698,"end":2134.3098,"confidence":0.9416504,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.17349502444267273},{"word":"that's","start":2134.3098,"end":2134.63,"confidence":0.9975586,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.14929869771003723},{"word":"okay","start":2134.63,"end":2135.13,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.09082445502281188},{"word":"yeah","start":2136.0698,"end":2136.5698,"confidence":0.8718262,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.18349634110927585},{"word":"yeah","start":2142.865,"end":2143.2651,"confidence":0.9707031,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01598348282277584},{"word":"that's","start":2143.2651,"end":2143.585,"confidence":0.99560547,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.003363323863595724},{"word":"exactly","start":2143.585,"end":2144.065,"confidence":1.0,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":0.002851448953151703},{"word":"what","start":2144.065,"end":2144.225,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.02526753395795822},{"word":"they","start":2144.225,"end":2144.305,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.02666547894477844},{"word":"do","start":2144.305,"end":2144.625,"confidence":0.86157227,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":-0.026649361476302147},{"word":"whereas","start":2144.625,"end":2145.025,"confidence":0.99609375,"punctuated_word":"Whereas","sentiment":"neutral","sentiment_score":-0.08447211980819702},{"word":"i'm","start":2145.025,"end":2145.185,"confidence":0.7844238,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.13604459166526794},{"word":"not","start":2145.185,"end":2145.425,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.19133730232715607},{"word":"licensed","start":2145.425,"end":2145.905,"confidence":0.99902344,"punctuated_word":"licensed","sentiment":"neutral","sentiment_score":-0.1438438594341278},{"word":"to","start":2145.905,"end":2146.065,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13000579178333282},{"word":"any","start":2146.065,"end":2146.305,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.1458316296339035},{"word":"particular","start":2146.305,"end":2146.805,"confidence":1.0,"punctuated_word":"particular","sentiment":"neutral","sentiment_score":-0.12490174174308775},{"word":"fund","start":2146.865,"end":2147.345,"confidence":0.7421875,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":-0.12522688508033752},{"word":"everything","start":2147.345,"end":2147.825,"confidence":1.0,"punctuated_word":"Everything","sentiment":"neutral","sentiment_score":-0.04860713332891464},{"word":"i","start":2147.825,"end":2147.985,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01627171039581299},{"word":"do","start":2147.985,"end":2148.145,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.00920647382736206},{"word":"has","start":2148.145,"end":2148.385,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.007283270359039307},{"word":"to","start":2148.385,"end":2148.465,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06135466694831848},{"word":"be","start":2148.465,"end":2148.625,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08562830090522766},{"word":"in","start":2148.625,"end":2148.785,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.173573836684227},{"word":"your","start":2148.785,"end":2149.025,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15740562975406647},{"word":"best","start":2149.025,"end":2149.2651,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.08886495232582092},{"word":"interest","start":2149.2651,"end":2149.745,"confidence":0.9655762,"punctuated_word":"interest.","sentiment":"neutral","sentiment_score":0.11652559041976927},{"word":"that's","start":2149.745,"end":2149.985,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.12103180587291718},{"word":"why","start":2149.985,"end":2150.37,"confidence":1.0,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.06071912497282028},{"word":"i","start":2150.4502,"end":2150.6902,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1576245129108429},{"word":"outlined","start":2150.6902,"end":2151.01,"confidence":0.59521484,"punctuated_word":"outlined","sentiment":"neutral","sentiment_score":0.24325083196163175},{"word":"the","start":2151.01,"end":2151.1702,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22217747569084167},{"word":"best","start":2151.1702,"end":2151.4902,"confidence":1.0,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.17231649160385132},{"word":"interest","start":2151.4902,"end":2151.81,"confidence":0.61816406,"punctuated_word":"interest,","sentiment":"neutral","sentiment_score":0.24622425436973572},{"word":"judy","start":2151.81,"end":2152.1301,"confidence":0.9267578,"punctuated_word":"Judy,","sentiment":"neutral","sentiment_score":0.19275124371051788},{"word":"the","start":2152.1301,"end":2152.29,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2967406213283539},{"word":"advantages","start":2152.29,"end":2152.79,"confidence":0.94970703,"punctuated_word":"advantages,","sentiment":"neutral","sentiment_score":0.16894258558750153},{"word":"the","start":2152.85,"end":2153.01,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1226108968257904},{"word":"disadvantages","start":2153.01,"end":2153.51,"confidence":0.96777344,"punctuated_word":"disadvantages,","sentiment":"neutral","sentiment_score":-0.03122664988040924},{"word":"the","start":2153.7302,"end":2153.8901,"confidence":0.95166016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03911270201206207},{"word":"risks","start":2153.8901,"end":2154.29,"confidence":0.98828125,"punctuated_word":"risks","sentiment":"neutral","sentiment_score":-0.06930282711982727},{"word":"involved","start":2154.29,"end":2154.79,"confidence":0.8864746,"punctuated_word":"involved.","sentiment":"neutral","sentiment_score":0.05499456822872162},{"word":"and","start":2154.85,"end":2155.33,"confidence":0.9941406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.22963416576385495},{"word":"as","start":2155.33,"end":2155.57,"confidence":0.59033203,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1820286363363266},{"word":"i","start":2155.57,"end":2155.6501,"confidence":0.9604492,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2382773458957672},{"word":"said","start":2155.6501,"end":2155.8901,"confidence":0.9016113,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.21476754546165464},{"word":"i'm","start":2155.8901,"end":2156.1301,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.31606432795524597},{"word":"very","start":2156.1301,"end":2156.4502,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.34695863723754883},{"word":"open","start":2156.4502,"end":2156.6902,"confidence":1.0,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.30130282044410706},{"word":"and","start":2156.6902,"end":2156.85,"confidence":0.9921875,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4145467281341553},{"word":"upfront","start":2156.85,"end":2157.25,"confidence":0.73291016,"punctuated_word":"upfront","sentiment":"positive","sentiment_score":0.35460638999938965},{"word":"with","start":2157.25,"end":2157.4902,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.44453665614128113},{"word":"everything","start":2157.4902,"end":2157.8901,"confidence":1.0,"punctuated_word":"everything.","sentiment":"positive","sentiment_score":0.3630167841911316},{"word":"i'll","start":2157.8901,"end":2158.1301,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.15808908641338348},{"word":"give","start":2158.1301,"end":2158.29,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.14429649710655212},{"word":"you","start":2158.29,"end":2158.4502,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16215786337852478},{"word":"the","start":2158.4502,"end":2158.61,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03468228131532669},{"word":"returns","start":2158.61,"end":2159.11,"confidence":0.9506836,"punctuated_word":"returns","sentiment":"neutral","sentiment_score":0.026608631014823914},{"word":"on","start":2159.1702,"end":2159.33,"confidence":0.81347656,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.3626514375209808},{"word":"the","start":2159.33,"end":2159.6501,"confidence":0.22814941,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19409893453121185},{"word":"station","start":2159.6501,"end":2160.1501,"confidence":0.6921387,"punctuated_word":"station,","sentiment":"positive","sentiment_score":0.3529760539531708},{"word":"and","start":2160.4502,"end":2160.77,"confidence":0.98095703,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.39376842975616455},{"word":"you","start":2160.77,"end":2161.01,"confidence":0.9970703,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5187569856643677},{"word":"get","start":2161.01,"end":2161.1702,"confidence":0.9980469,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.4618438482284546},{"word":"to","start":2161.1702,"end":2161.33,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4156313240528106},{"word":"decide","start":2161.33,"end":2161.6501,"confidence":1.0,"punctuated_word":"decide","sentiment":"positive","sentiment_score":0.3697616755962372},{"word":"what","start":2161.6501,"end":2161.8901,"confidence":0.99902344,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.38996565341949463},{"word":"you","start":2161.8901,"end":2162.05,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4241693317890167},{"word":"wanna","start":2162.05,"end":2162.37,"confidence":0.9951172,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.3891719579696655},{"word":"do","start":2162.37,"end":2162.61,"confidence":0.9941406,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3630407452583313},{"word":"moving","start":2162.61,"end":2162.85,"confidence":0.9970703,"punctuated_word":"moving","sentiment":"positive","sentiment_score":0.44271254539489746},{"word":"forward","start":2162.85,"end":2163.09,"confidence":0.9975586,"punctuated_word":"forward.","sentiment":"positive","sentiment_score":0.3386135697364807},{"word":"i","start":2163.09,"end":2163.25,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.009565159678459167},{"word":"don't","start":2163.25,"end":2163.4102,"confidence":0.99853516,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.016133932396769524},{"word":"want","start":2163.4102,"end":2163.6501,"confidence":0.99121094,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.08591800928115845},{"word":"you","start":2163.6501,"end":2163.81,"confidence":0.97802734,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03839254379272461},{"word":"to","start":2163.81,"end":2163.8901,"confidence":0.96875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.022461622953414917},{"word":"feel","start":2163.8901,"end":2164.05,"confidence":0.9838867,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.2096391469240189},{"word":"pressured","start":2164.05,"end":2164.335,"confidence":0.7963867,"punctuated_word":"pressured","sentiment":"neutral","sentiment_score":-0.245035320520401},{"word":"into","start":2164.4949,"end":2164.7349,"confidence":0.9951172,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.3192526698112488},{"word":"anything","start":2164.7349,"end":2165.055,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.30734750628471375},{"word":"you're","start":2165.055,"end":2165.2148,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.23576173186302185},{"word":"not","start":2165.2148,"end":2165.375,"confidence":0.99609375,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.3692548871040344},{"word":"comfortable","start":2165.375,"end":2165.855,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.2741140127182007},{"word":"doing","start":2165.855,"end":2166.355,"confidence":0.98217773,"punctuated_word":"doing.","sentiment":"neutral","sentiment_score":-0.09975700080394743},{"word":"okay","start":2166.415,"end":2166.915,"confidence":0.9091797,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.08577358722686768},{"word":"easy","start":2168.895,"end":2169.395,"confidence":0.95874023,"punctuated_word":"Easy.","sentiment":"neutral","sentiment_score":0.3026306629180908},{"word":"thanks","start":2170.175,"end":2170.675,"confidence":0.96240234,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.5984530448913574},{"word":"my","start":2170.7349,"end":2171.055,"confidence":0.6948242,"punctuated_word":"My","sentiment":"neutral","sentiment_score":0.32457461953163147},{"word":"pleasure","start":2171.055,"end":2171.455,"confidence":1.0,"punctuated_word":"pleasure.","sentiment":"positive","sentiment_score":0.54091876745224},{"word":"you","start":2171.455,"end":2171.615,"confidence":0.99902344,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.47705039381980896},{"word":"have","start":2171.615,"end":2171.775,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.6041406989097595},{"word":"a","start":2171.775,"end":2171.935,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4731035530567169},{"word":"great","start":2171.935,"end":2172.255,"confidence":1.0,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.6326853036880493},{"word":"night","start":2172.255,"end":2172.755,"confidence":1.0,"punctuated_word":"night.","sentiment":"positive","sentiment_score":0.5392863750457764},{"word":"will","start":2174.015,"end":2174.515,"confidence":0.7753906,"punctuated_word":"Will","sentiment":"positive","sentiment_score":0.35911428928375244},{"word":"do","start":2174.575,"end":2175.075,"confidence":0.99902344,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.2988051772117615},{"word":"you","start":2175.935,"end":2176.095,"confidence":0.8354492,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.011920738965272903},{"word":"have","start":2176.095,"end":2176.255,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.025464244186878204},{"word":"a","start":2176.255,"end":2176.335,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02638218179345131},{"word":"good","start":2176.335,"end":2176.74,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":-0.02144588530063629},{"word":"yep","start":2178.1,"end":2178.6,"confidence":0.9425456,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.02687053196132183},{"word":"yep","start":2179.94,"end":2180.44,"confidence":0.9765625,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05804837495088577},{"word":"i","start":2180.9,"end":2181.22,"confidence":0.97314453,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.18051999807357788},{"word":"will","start":2181.22,"end":2181.72,"confidence":0.9995117,"punctuated_word":"will.","sentiment":"neutral","sentiment_score":0.04954070597887039},{"word":"i'll","start":2182.26,"end":2182.5,"confidence":0.97631836,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.09379060566425323},{"word":"give","start":2182.5,"end":2182.74,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.15179479122161865},{"word":"you","start":2182.74,"end":2182.9,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15143585205078125},{"word":"a","start":2182.9,"end":2182.98,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1756249964237213},{"word":"buzz","start":2182.98,"end":2183.48,"confidence":0.9980469,"punctuated_word":"buzz.","sentiment":"neutral","sentiment_score":0.1896893680095673},{"word":"absolutely","start":2184.42,"end":2184.92,"confidence":0.99316406,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.5229784250259399},{"word":"my","start":2186.74,"end":2186.98,"confidence":0.94384766,"punctuated_word":"My","sentiment":"positive","sentiment_score":0.6044416427612305},{"word":"pleasure","start":2186.98,"end":2187.38,"confidence":0.9980469,"punctuated_word":"pleasure,","sentiment":"positive","sentiment_score":0.7075792551040649},{"word":"jason","start":2187.38,"end":2187.7,"confidence":0.9626465,"punctuated_word":"Jason.","sentiment":"positive","sentiment_score":0.6333300471305847},{"word":"thank","start":2187.7,"end":2187.86,"confidence":0.9980469,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5680611729621887},{"word":"you","start":2187.86,"end":2188.02,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6976799368858337},{"word":"for","start":2188.02,"end":2188.18,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6880652904510498},{"word":"taking","start":2188.18,"end":2188.58,"confidence":1.0,"punctuated_word":"taking","sentiment":"positive","sentiment_score":0.7042899131774902},{"word":"my","start":2188.58,"end":2188.74,"confidence":1.0,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.5534166097640991},{"word":"call","start":2188.74,"end":2188.98,"confidence":1.0,"punctuated_word":"call.","sentiment":"positive","sentiment_score":0.4451858401298523},{"word":"you","start":2188.98,"end":2189.14,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.3081751763820648},{"word":"have","start":2189.14,"end":2189.3,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5971447229385376},{"word":"a","start":2189.3,"end":2189.46,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6574451327323914},{"word":"great","start":2189.46,"end":2189.7,"confidence":1.0,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.7500893473625183},{"word":"evening","start":2189.7,"end":2190.1,"confidence":1.0,"punctuated_word":"evening.","sentiment":"positive","sentiment_score":0.7246242761611938},{"word":"see","start":2190.1,"end":2190.26,"confidence":1.0,"punctuated_word":"See","sentiment":"positive","sentiment_score":0.4532955884933472},{"word":"you","start":2190.26,"end":2190.42,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5641345977783203},{"word":"later","start":2190.42,"end":2190.92,"confidence":0.9980469,"punctuated_word":"later.","sentiment":"positive","sentiment_score":0.5558569431304932}],"paragraphs":{"transcript":"\nDana Oakley Financial. Hi, Jason. It's Dana Dana from OQ Financial. How are you this afternoon? That I'm very well.\n\nThank you. I just had you booked in today just to go through your updated statement of advice. Is now still a good time there for you? Oh, fantastic. Oh, not very long.\n\nIt's a very simple one. It's more just about retaining, obviously, your two super funds and doing an investment switch in there because I have sort of found there's some changes I'd love to make to your super to make sure they are working a bit better for you. But I can have it done easily in about ten, fifteen minutes for you if that's if that's okay. That's okay. Beautiful.\n\nAnd how's your day been so far? Yeah. Yeah. It's good. You nearly finished.\n\nYeah. Yeah. Absolutely. Absolutely. No.\n\nAll good. Now, Jason, before I jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do a really quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file.\n\nYep. Yep. Fantastic. Thank you so much for that. So, Jason, I have sent a document through to you.\n\nAre you able to look at your emails? If you can't, that's honestly okay. Yeah. Just then. Yeah.\n\nSo if you press the signature button, it'll let you go through forward so you can just review the document. Yep. Yeah. I won't ever ask you to sign anything you haven't read, but this allows you to be able to scroll up and down so you can view the document. That way, I'm not talking at you, and you can see exactly what I'm talking about.\n\nYeah. Fantastic. Now on the front page of that document, when you are looking at it, it'll say statement of advice prepared for yourself, Jason Hale, as of the 07/08/2026. Our documents are valid for sixty days from the date on the front of the document there. On the bottom of the front page has my authorized representative number.\n\nSo I'm a licensed financial adviser registered through ASIC, and my registration number is 1304394. Okay? The next couple of pages run you through the best interest duty, the table of contents, and areas that we are scoping in and out with regards to the advice. When we did your annual review last, we sort of talked about looking at the retention side of things. So you had a bit of extra money sitting in your c bus account.\n\nWe wanted to go back and review the investments within Hub twenty four and c bus to make sure that everything was in line with your risk profile. You're also in that growth environment, and you wanted to take on a little bit more risk to get a bit more growth out of your super as we work towards your retirement goals there. You were hoping to be able to access super at around about age 65. So we've looked at increasing your risk level a little bit, but also readjusting your portfolio to make sure that you're inside that risk level, but also that your super fund is working at its best possible capacity. Okay?\n\nI've also scoped in the estate planning side of things. So just making sure that in the event of passing, that your beneficiary nominations are up to date to make sure all the proceeds are passed to your wife in the event that something happens to you. We are not making any new recommendations around TV or income protection, so you are happy with the level of cover you had in c bus at the moment and your personally paid direct policy with the income protection. We just want to retain, obviously, the c bus account to retain the level of cover you have. However, it's been limited scoped into the advice because the cover is paid out of your super, so it does have an effect on your overall retirement projections.\n\nSo whilst we don't make any new recommendations, we do consider that as part of the projection table for you. Okay? Excellent. And you don't have any life or trauma cover. You weren't wanting to get any new insurances other than what you already held, so we're not making any recommendations around that.\n\nWe've also scoped out debt management and additional contributions. So you didn't wanna make any additional contributions yet. You were hoping to, pay down your mortgage first, have that all covered, then make additional contributions down the track. Does that still sound appropriate for you? Does that still sound appropriate for you?\n\nThat's right? Excellent. Fantastic. As you get through pages number nine and ten, it does have a list of your assets and liabilities on page 10 there, just what we had noted at our last conversation. If I can just get you to run your eyes over that for me.\n\nI know your mortgage hopefully has been paid down a little bit there. Is there anything that you would like me to have updated in the back end that may have changed since we last called out? Yeah. Yep. Okay.\n\nWhat sort of value do you think you put on those now? Yep. Yep. They haven't been winning for you. Yeah.\n\nYep. No. Of course. Okay. Absolutely.\n\nYeah. Yeah. Yep. Nine fifty. Fantastic.\n\nExcellent. Yep. 10,000. Fantastic. Fantastic.\n\nYeah. The same. I don't know. I reckon if you realistically, if you took your house upside down, everything fell out. That's all your content.\n\nSo that's quite a lot of things to replace when you think about it. Yeah. Yeah. No. That's okay.\n\nI'd just like to update in the back end for you. So it won't I won't worry about updating the advice document because it doesn't change any of the advice provided, but it's good to update it in the back end for you just so we can have things updated and reflective. Okay? Fantastic. Underneath that, we've got your current super balance.\n\nSo within Hub 24 and your c bus, at the moment, you have about eleven thousand two fifty three in c bus. Could be a bit more since we did this document a few weeks back. And then your balance in Hub 24 is at the $242,004.92. Okay. We've got your insurance policy within it's not much.\n\nIt's getting there, though. You still got a bit of time ahead of you. See what I can do to make things work a bit harder for you. On the next page there, your current insurances. So within C Bus there, you do have 80 sorry.\n\n82,500 of TBD cover and some income protection there with a thirty day wait and two year benefit period. And then within Zurich, you've also got a bit of extra income protection for top up cover there with a thirty day waiting period and two year benefits period. The current sum insured there is $1.09 $9.02. Okay? To make this a bit easier, if you can go down to page number 14 for me, this is where the recommendations essentially start.\n\nI'll go through them nice and easily, and then you feel free to ask me questions. If you do have any questions throughout, you can just interrupt me and say, Daniel, just stop and let me ask some questions and ask anything you have. Okay? We are recommending that you do retain your CBass super fund to retain your insurances, but we only wanna hold that with a minimum amount of cover. So you'll keep your contributions going into CBass as they are, and then we're gonna roll all of that.\n\nRetain C bus with a balance of $10,000 and keep your contributions moving in. Essentially, every year, anything above that 10,000, we wanna have rolled that into hub twenty four and keep that money moving so it is invested within Hub 24 hoping to get greater growth there for you. I'm also recommending we retain hub twenty four. I did review both super funds. They are still working really well.\n\nHub twenty four is still a great fund. And, obviously, if we did, there are other funds that that could be a bit cheaper. But if we look to, sell down all of the investments and remove all the funds, the CGT affects your super fund just like you actually pays tax every year and has pays capital gains tax and income tax. If we were to sell down and move to another fund, it would have a greater a larger CGT effect for your super, which meant which means your fund would have to pay more tax. So it is best to retain hub twenty four at the moment.\n\nRealistically, hub twenty four hasn't made any changes that are detrimental. It is still a great fund and still has the most amount of investment options to be able to adjust your portfolio within. Okay? Because your super balance is only at 11,000, normally, we wanna roll over 10,000 over. I do not see a need to roll, basically, a $1,000 out of the c bus account.\n\nSo what I will do for now is I'm not gonna do a rollover right now. We'll probably just wait till the next catch up. We'll check the c bus balance then. And if we need to do a rollover, then if the balance is a bit higher, then we'll roll some money out for you. Okay?\n\nYeah. I am recommending that you make those do change and have that paid on more of a regular basis. So so instead of doing it quarterly, try doing it weekly or fortnightly. That way you're putting smaller amounts in. Yeah.\n\nThat way you're putting smaller amounts in more regularly. Your super fund actually benefits greater from that because you're properly dollar cost averaging into the fund. But it also means instead of having a larger lump sum on a quarterly basis, you're just putting smaller amounts in more regularly, so it's much more manageable to do for you. So I'm also recommending as part of the advice that you make that small change. And every week or fortnight, you just make that additional contribution in and out of your self employed wages.\n\nOkay? Yeah. Yeah. Yeah. Comp companies are definitely supposed to.\n\nI'm pretty sure for yourself, it it is best to do so as well. So it just it works out to benefit you much greater in the long run. Yeah. Excellent. That's okay.\n\nYeah. Yeah. Yeah. Absolutely. No.\n\nThat's not a problem at all. Underneath that section, I'll let you have a bit of a read through it after. But we have the best interest duty, which essentially relates the recommendations back to your goals and why they are in your best interest. I'm also recommending that we increase your risk in the portfolio and move into more of a high growth environment as well. We'll make sure we monitor that moving forward.\n\nSo when and if you decide you'll no longer feel that that's appropriate or you're a bit concerned about the risk level, just let us know, and we can always reduce that back if we if you need to. Okay? Excellent. Yeah. All good.\n\nI've also got underneath that the advantages, disadvantages, the risks involved, and any additional considerations that we have made for you as well. So any alternatives that we've considered, essentially. Okay. Excellent. When you have a rate through that and you're comfortable to move on, if I can get you to move down to page number 19 for me, I'm also recommending we do make a bit of an additional change to the investments within your super.\n\nSo sorry. Just let me know when you're when you're good in your move down. Yeah. Very similar to HAB 24. It's an adviser platform, and it has access to lots of different investment options there.\n\nI did consider and look at the option of moving to another platform like my North, But, unfortunately, it came out to be too cost too expensive to do. So so while they're more cheaper funds, the CGT would have cost had 24 with your super fund about over $5,000 to sell down wholly and move into my north. And when you consider the contributions going in and the fees, by having to pay that CGT, it's not worth it. You don't make that money back fast enough towards your retirement even in the high growth portfolios. So I weighed up the options and did all the math and looked at it and decided it was best for you to retain Hub twenty four.\n\nYeah. Yep. You'll see all those different investments there is. There is. Absolutely.\n\nSo those red numbers are the numbers that we're going to sell. So you'll see on the side here, you've got your SeaBus Super. We're gonna retain that exactly as it is for the moment, but the goal is to continuously achieve be moving money out of c bus and into hub 24. So I'll review, obviously, your balance each year, and we'll make sure we do regular rollovers. For this particular moment, it's only, like, a thousand $1,253 we'd be rolling out of.\n\nIt doesn't sort of work make it worthwhile right now, so I'm gonna hold off on doing a rollover now. We'll do that when we do a catch up, and I'll reassess your balance then. But in HUB twenty four, in order to move into more that high growth environment, we needed to reassess the investments. And I had found that some of them in your old portfolio were underperforming and needed to be altered and changed. So the red that you've been looking at is what we're gonna be selling down.\n\nSo we are gonna be selling off the battery and lithium tax, the Ben along Australian Equities, which has been underperforming and not doing very well for your fund. The bank hybrids, that sort of investment is actually gonna be phased out by the government, so we need to remove that from your portfolio now. The China new economy hasn't been performing as well as it should have been. And your physical gold is doing very well and is great, but we need to just reduce it back a little bit. So we only wanna hold 7% of physical gold.\n\nYou've currently got 9% there at the moment, so we just wanna cement some of the gains and redistribute those across your portfolio for you. You only wanna hold about 77% of physical gold in your portfolio. The beta share cybersecurity, we only wanna hold about 6% in your portfolio. You kinda got 8.24%, so we wanna sell some of that and just rebalance you back a little bit there as well. The s and p five hundred is the top 500 companies in The US.\n\nWe wanna hold about 35% of your portfolio. You're a bit underweighted at the moment, so we wanna bring that exposure up a little bit and buy just over $4,000 of the s and p five hundred. And then with the VanEck Australian property, property is having a bit of a pullback. We wanna remove that solely from your portfolio. Whilst it has provided good returns, our property is having a bit of a pullback with the changes of legislation at the moment, so it is worth removing that wholly from your from your portfolio.\n\nAnd because we're removing the Ben along Australian equities, we're also removing the Raffy a 200 there. That investment is more it's more of an expensive kind of investment to have, and we found a way to provide greater diversification to hold Australian equities, but also make your portfolio cheaper for you as well. So we're gonna sell that investment down. Okay? Once we complete all of those sales, we'll still hold about 7% of physical gold.\n\nWe'll still hold about 6% in cybersecurity. We'll still hold about 35% of the s and p 500, and we're gonna buy into some Europe and Japanese exposure. So you hold 9% of European and 5% of Japanese. The Europe exposure is giving you access to all 16 European countries. They're giving you great diversification across the globe, and Japan has seen some really good growth there as well.\n\nSo we wanna hold 5% of that. On the next page, if you scroll down, you'll see the Vanguard or World ex US. So this is essentially giving you exposure to the entire globe minus The US market because we have the S and P 500 above there. And this is giving you greater diversification in a cost effective investment, and we wanna hold 8% of that for you. We still need to some Australian exposure, and we are removing the Rafi plus the Benelon because the Benelon has been underperforming, and we're gonna hold the beta shares a 200.\n\nThis is giving you exposure to the top 200 companies on ASX, and we wanna hold 25% of that investment for you. One of the cool things, the a 200 actually is a very good dividend pay. It's one of the highest dividend paying Australian stocks. So it'll be good. It'll help you with a bit of income producing within your portfolio, but it's also a much cheaper option to hold Australian equities for you.\n\nOkay? And then we've got core composite bonds. So it's important that we have defensive investments with the high growth environment you wanna be in. We only wanna hold about sort of five to 10% of defensive investments. The idea is we have most of our money sitting in those growth investments trying to obtain greater growth there.\n\nSo we're just holding about 5% of core composite bonds to give you some defensive exposure as well. Okay? So that is essentially the changes I wanna make to your portfolio there. I'll show you the reasoning behind that in a second. But underneath that table, you also see within hub twenty four, you've got about 11 thousand sitting in cash there at the moment.\n\nYou have a bit more cash than I would realistically like. We only wanna hold minimum cash. We wanna have as much money invested in your portfolio as possible, so we're gonna reinvest about $8,581 of that for you. Okay? Excellent.\n\nYeah. I can give you that. Yeah. That's okay. I can give you I can go in there now.\n\nYeah. Absolutely. Let's have a look now. So I'm just pulling up the report for you to have a look now. Last year.\n\nSorry. Won't be a second. Just loading the report for you. Beautiful. So when we look at everything as a whole, over the last twelve months, your portfolio and it's important to note that with the amount of volatility we have seen, with everything you've seen going on with the US war this year, there has been a lot of ups and downs there.\n\nBut as a whole, your portfolio has made about 4.45% net of fees after all fees have been considered. So you have definitely had a good positive return for the year. It is lower than where we'd expect. A lot of that is because Bennelong has been underperforming there and, obviously, with what's been happening globally with the Iran and the US war there. But you have definitely made a 4.45 return after fees.\n\nSo it does mean your portfolio is still working the same direction. Because contributions do go into C bus, this is just what the portfolio has been able to do. So even with everything going on, it's come out with a positive return, which is good. Yeah. Mhmm.\n\nBank interest, yeah, bank bank interest is middle of the range at the moment, around about a sort of four to 5% return depending on who you're with and what you're doing. But you're also paying about 9% in you know, between six to 9% in mortgage rates as well. So the mortgages are much higher. And when you consider the cash rate there, it is definitely a lot lower than what you are paying in interest. I'm just pulling out.\n\nI can have a look at what C Bus is preferring, but C Bus is also giving us when we look at what their investment returns are performing, they're giving us a gross return based on the overall. So it's not necessarily saying that you would have got this return. It also depends upon contributions going in, what's happening, any distributions, and things like that. But if I'll have a look at the. Sorry.\n\nThis goes to their site. Options. Yeah. Absolutely. Yeah.\n\nAbsolutely. Yeah. Absolutely. So their growth my super account from this is up until the 06/30/2026, so it is definitely almost a month old. But they're claiming that their my my super growth growth, so before tax, has returned a 9.25% return on average.\n\nSo it is definitely higher than what you've got in your portfolio. But, I mean, hub twenty four, this is giving you the return based on today's date, so very much within the last twelve months. And it's a net return after fees as well. So I would have to kind of go back and reassess the fees within Cbus and really go into nitty gritty to be able to find out what the return would be after fees. But that that's just what they're claiming that their portfolio can achieve in the last twelve months or in the last one year up to the June 30.\n\nYeah. We can we can do that. We don't because there's so many other factors to take into account. But, yeah, I can go back and have a look at that and compare it for you if you like. I'll have to send you an email after the call to do so.\n\nIs just growing. We only want a real estate holder as a small amount. But at the same time, if you're more comfortable being in and you prefer just to have everything in one place, you're fine to roll back. I mean, as I've kinda said before, you're not in any way, shape, or form held to stay in Hub twenty four or with us as your advisers. If you kinda wanna roll things back and just wanna be in one place and prefer to go back to an industry fund, you absolutely can do.\n\nYou just initiate the rollover. Let us know that that's what you wanna do and that you plan to roll back. We'll absolutely help you. It Yeah. Yeah.\n\nYeah. Mhmm. You're right. Mhmm. Yeah.\n\nYeah. That's okay. Yeah. That's fine. It's honestly okay.\n\nIt's not a problem at all. I'm also just having a look at the from inception report. So you came on board here in 2023. You've almost been on essentially for three years there, and your portfolio over the last three years has returned a 29.13% return. It's made about $69,000 in income plus growth as a dollar figure.\n\nIf I divide this twenty nine point one three by the three years, you've made an average of 9.71%. So whilst this one year, it is showing less than what the c bus fund has, you know, returned as a growth, as a growth performance on their website, when you kinda take that 29, 29.13% and divide that by the three years that you've now been on board, you've averaged about a 9.71, which is better than what they have done. So when you look at it overall, the compounding effect, you've actually done better than what they're claiming to do. So I do in order to kind of break down what you do have and don't have, the statements or information they give us, they don't give us your balance from last year. So I'd have to go back to Ziva's, get your balance, work out what your fees are, and do the math around, obviously, what your growth rate was.\n\nYeah. If you've got a state yeah. Yeah. Absolutely. You can.\n\nThat's not a problem at all. Yeah. They are a little bit picky giving up the information. We only have an authority to inquire, but I can go back and do the math for you. It's not a problem.\n\nThe difference being that we also yeah. That's okay. That's okay. Yeah. No.\n\nAbsolutely. Absolutely. Absolutely. Yeah. And that's probably one of the biggest things that I would be wanting to bring up is that if by staying on board with us, it does mean that I do wanna review this with you.\n\nYou know, when we spoke last time, you wanted to be in that high growth environment, take on a bit more risk because you're not planning access super for about the next seven years. However, I do not want you in that high growth environment for the next seven years when you are easily six years away. So next year, I'll probably wanna bring you down. And then from there on every year, start to reduce your risk level a little bit, sorry, by 10% as well and start to sort of bring it down gradually because I definitely do not want you to be in high growth the year before you retire and then have a big 20% drop and then be cementing that drop. That is not preferable, and I would hate myself if that happened to you.\n\nYou know, we all wanna retire as quickly as possible. Yeah. Exactly. Exactly. So by having us here and having me as your adviser, I can be a little bit more you know, we're happy to take on that bit of risk now for you, but I do not want you to be in that for longer.\n\nI definitely do wanna make sure we do a catch up in about six months with you, probably January, if not December before we go away for Christmas just to make sure things are working. And if the market isn't performing well, if things aren't doing well, then I wanna make those changes again for you and keep it working harder because, realistically, your balance is a bit lower than where I would like it to be. And, realistically, if you're gonna retire the next seven years, we wanna make sure you've got as much money as absolutely possible because you'll be 65. So, realistically, you wanna make sure you've got enough money to start drawing out the income you need as well as getting you longevity. And you're not eligible for age pension to age 67.\n\nSo there is two years to keep as a bit of a buffer prior to accessing the age pension. And then what I like to do with a lot of my retired clients is when we get to age 67, look at what you're eligible receive from Centrelink and draw back less out of super to supplement that so you have a bit of longevity and get some from the age pension as well as super as well. The other side of it is once you actually turn 60, depending on what you need, whether, you know, you feel income protection and TBD or whether you feel insurances are appropriate, a lot of my clients do decide at 60 they don't need those insurances anymore because if they are unable to work, they can access their super. So we can also look to consolidate from then on too. So only keep these insurances in place and save us until you no longer need them.\n\nOnce those insurances are obsolete and you don't feel that they are suitable to keep anymore, that we can get rid of them, then we can consolidate everything into hub twenty four as well, have it all in one place, have one super fund working harder for you as well. So that's also another option I'd like to look at for you if that helps. Yeah. That's okay. That's okay.\n\nCan yeah. Can I show you one more thing before we go? Just a really important aspect of the fee structure. Just on page 22, if you keep going down, we did talk before about the changes to make to your portfolio, and I did explain that your super fund does pay CDT or tax consequences as well. So we do know by making the changes above, all the red and green that you saw, the CGT expectation is only 1,385.\n\nSo to change and make changes to the portfolio, we expect your super fund to pay $1,385 in CGT. It doesn't change the administration fees. They stay exactly the same, but the newer portfolio saves you $690 a year on investment fees. So it does make your investment fees a bit cheaper as well there, Jason. Okay.\n\nAbsolutely. Saving fees, keeping more money in your super compounding for you is a really good idea. It does work out better for yourself. The CGT does mean that setting $100 is deducted for the tax side of things. But overall, when you consider that, it's a one off CGT consequence of setting $100.\n\nWhereas if you're then saving $690 on investment fees and you compound that or, you know, that over the next seven years is about $44,800 in fees that you've saved if it stays the same way. So that can make a much greater a difference for you. And the newer portfolios had a higher past performance as well. So when we look at that moving forward, it can obviously provide greater future performance, which is what we also wanna see. Okay.\n\nYeah. Beautiful. It does sort of show on yeah. On the very last page, if you're comfortable to if you wanna take it back and read it over before you sign it, you absolutely can. I don't ever want you to sign anything you're not comfortable signing.\n\nSo if you wanna take some time, read it over, and let me know if there's any questions you're allowed to. Alternatively, if you decide you wanna sign it, I can always email it back to you so you've got it as a copy as well. It's up to you how you would like to proceed. Yeah. Yeah.\n\nThat's fine. That's absolutely fine. Yeah. Definitely. They're bankers, are they?\n\nThey work in a bank? Yeah. Yeah. Right. Yeah.\n\nRight. Yeah. Right. Yeah. Oh, good.\n\nHe's in lending. Yeah. Yeah. Yeah. Yeah.\n\nNo. That's absolutely fine. Yeah. No. Absolutely fine.\n\nThat's not a problem at all. If there are any questions, you're welcome to let me know. Yeah. Once you kind of have had a read through it, I would sort of say if you wanted to make these changes, try to make them as soon as possible. So the longer we wait, obviously, the the longer it can take to have those changes, and it can affect your performance side of things.\n\nSo but let me know if there's any questions you have. I'm always happy to answer them. Did you want me to go back and just have a look at the c bus and get that additional growth rate for you, or you're happy just to leave it for the moment? No. That's okay.\n\nYeah. Yeah. That's exactly what they do. Whereas I'm not licensed to any particular fund. Everything I do has to be in your best interest.\n\nThat's why I outlined the best interest, Judy, the advantages, the disadvantages, the risks involved. And as I said, I'm very open and upfront with everything. I'll give you the returns on the station, and you get to decide what you wanna do moving forward. I don't want you to feel pressured into anything you're not comfortable doing. Okay?\n\nEasy. Thanks. My pleasure. You have a great night. Will do.\n\nYou have a good yep. Yep. I will. I'll give you a buzz. Absolutely.\n\nMy pleasure, Jason. Thank you for taking my call. You have a great evening. See you later.","paragraphs":[{"sentences":[{"text":"Dana Oakley Financial.","start":8.48,"end":9.86,"sentiment":"neutral","sentiment_score":0.04430796205997467},{"text":"Hi, Jason.","start":32.86,"end":33.58,"sentiment":"neutral","sentiment_score":0.08910727500915527},{"text":"It's Dana Dana from OQ Financial.","start":33.58,"end":35.58,"sentiment":"neutral","sentiment_score":0.14009040842453638},{"text":"How are you this afternoon?","start":35.58,"end":36.8,"sentiment":"neutral","sentiment_score":0.17116807997226716},{"text":"That I'm very well.","start":38.86,"end":40.06,"sentiment":"positive","sentiment_score":0.5651548653841019}],"sentiment":"neutral","sentiment_score":0.2134070374071598,"num_words":20,"start":8.48,"end":40.06},{"sentences":[{"text":"Thank you.","start":40.06,"end":40.54,"sentiment":"positive","sentiment_score":0.6742063462734222},{"text":"I just had you booked in today just to go through your updated statement of advice.","start":40.54,"end":43.925,"sentiment":"positive","sentiment_score":0.347369397059083},{"text":"Is now still a good time there for you?","start":43.925,"end":46.024998,"sentiment":"neutral","sentiment_score":0.28502005007531905},{"text":"Oh, fantastic.","start":47.844997,"end":48.585,"sentiment":"positive","sentiment_score":0.40793998539447784},{"text":"Oh, not very long.","start":50.405,"end":51.524998,"sentiment":"neutral","sentiment_score":0.052576981484889984}],"sentiment":"neutral","sentiment_score":0.3181118603908654,"num_words":33,"start":40.06,"end":51.524998},{"sentences":[{"text":"It's a very simple one.","start":51.524998,"end":52.805,"sentiment":"neutral","sentiment_score":0.17641735076904297},{"text":"It's more just about retaining, obviously, your two super funds and doing an investment switch in there because I have sort of found there's some changes I'd love to make to your super to make sure they are working a bit better for you.","start":52.805,"end":63.47,"sentiment":"neutral","sentiment_score":0.153934315524318},{"text":"But I can have it done easily in about ten, fifteen minutes for you if that's if that's okay.","start":63.690002,"end":68.43,"sentiment":"neutral","sentiment_score":0.12735377526596972},{"text":"That's okay.","start":70.33,"end":71.05,"sentiment":"neutral","sentiment_score":0.24619047343730927},{"text":"Beautiful.","start":71.05,"end":71.55,"sentiment":"positive","sentiment_score":0.47087013721466064}],"sentiment":"neutral","sentiment_score":0.15546717536701282,"num_words":71,"start":51.524998,"end":71.55},{"sentences":[{"text":"And how's your day been so far?","start":71.61,"end":73.095,"sentiment":"neutral","sentiment_score":0.21949712932109833},{"text":"Yeah.","start":75.335,"end":75.575005,"sentiment":"neutral","sentiment_score":0.11468181014060974},{"text":"Yeah.","start":75.575005,"end":75.735,"sentiment":"neutral","sentiment_score":0.1261758655309677},{"text":"It's good.","start":75.735,"end":76.055,"sentiment":"neutral","sentiment_score":0.14154542237520218},{"text":"You nearly finished.","start":76.055,"end":77.115,"sentiment":"neutral","sentiment_score":-0.12993009388446808}],"sentiment":"neutral","sentiment_score":0.11933129600116185,"num_words":14,"start":71.61,"end":77.115},{"sentences":[{"text":"Yeah.","start":77.815,"end":78.315,"sentiment":"neutral","sentiment_score":-0.09694454073905943},{"text":"Yeah.","start":79.015,"end":79.515,"sentiment":"neutral","sentiment_score":-0.11846163868904114},{"text":"Absolutely.","start":83.095,"end":83.595,"sentiment":"neutral","sentiment_score":-0.03792424499988556},{"text":"Absolutely.","start":85.095,"end":85.595,"sentiment":"neutral","sentiment_score":-0.010741915553808212},{"text":"No.","start":85.975,"end":86.295,"sentiment":"neutral","sentiment_score":-0.04720960184931755}],"sentiment":"neutral","sentiment_score":-0.06225638836622238,"num_words":5,"start":77.815,"end":86.295},{"sentences":[{"text":"All good.","start":86.295,"end":87.035,"sentiment":"neutral","sentiment_score":0.02442968264222145},{"text":"Now, Jason, before I jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":87.095,"end":91.8,"sentiment":"neutral","sentiment_score":0.054757004198820694},{"text":"Are you happy for me to proceed with that?","start":91.8,"end":94.060005,"sentiment":"neutral","sentiment_score":0.10655385918087429},{"text":"Fantastic.","start":95.32,"end":95.82,"sentiment":"neutral","sentiment_score":0.30570143461227417},{"text":"And just to do a really quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on file.","start":96.44,"end":104.635,"sentiment":"neutral","sentiment_score":0.1648193292560116}],"sentiment":"neutral","sentiment_score":0.11639933084899728,"num_words":66,"start":86.295,"end":104.635},{"sentences":[{"text":"Yep.","start":105.655,"end":106.155,"sentiment":"neutral","sentiment_score":0.01428791880607605},{"text":"Yep.","start":108.055,"end":108.555,"sentiment":"neutral","sentiment_score":0.01448291540145874},{"text":"Fantastic.","start":112.775,"end":113.275,"sentiment":"positive","sentiment_score":0.3959200978279114},{"text":"Thank you so much for that.","start":113.495,"end":114.9,"sentiment":"positive","sentiment_score":0.4526595373948415},{"text":"So, Jason, I have sent a document through to you.","start":115.380005,"end":117.78,"sentiment":"neutral","sentiment_score":0.1229317158460617}],"sentiment":"neutral","sentiment_score":0.22999817446658485,"num_words":19,"start":105.655,"end":117.78},{"sentences":[{"text":"Are you able to look at your emails?","start":117.78,"end":119.78,"sentiment":"neutral","sentiment_score":0.0578074143268168},{"text":"If you can't, that's honestly okay.","start":119.78,"end":121.64,"sentiment":"neutral","sentiment_score":0.01645090865592162},{"text":"Yeah.","start":125.94,"end":126.42,"sentiment":"neutral","sentiment_score":0.01600835844874382},{"text":"Just then.","start":126.42,"end":127.240005,"sentiment":"neutral","sentiment_score":0.015797821804881096},{"text":"Yeah.","start":142.115,"end":142.515,"sentiment":"neutral","sentiment_score":0.1663682609796524}],"sentiment":"neutral","sentiment_score":0.043063168310456805,"num_words":18,"start":117.78,"end":142.515},{"sentences":[{"text":"So if you press the signature button, it'll let you go through forward so you can just review the document.","start":142.515,"end":147.7,"sentiment":"neutral","sentiment_score":0.22602026872336864},{"text":"Yep.","start":152.71999,"end":153.21999,"sentiment":"neutral","sentiment_score":0.08595973253250122},{"text":"Yeah.","start":153.92,"end":154.31999,"sentiment":"neutral","sentiment_score":0.20931047201156616},{"text":"I won't ever ask you to sign anything you haven't read, but this allows you to be able to scroll up and down so you can view the document.","start":154.31999,"end":161.265,"sentiment":"neutral","sentiment_score":0.2376313009138765},{"text":"That way, I'm not talking at you, and you can see exactly what I'm talking about.","start":161.265,"end":165.125,"sentiment":"neutral","sentiment_score":0.26344890613108873}],"sentiment":"neutral","sentiment_score":0.23764426572554148,"num_words":67,"start":142.515,"end":165.125},{"sentences":[{"text":"Yeah.","start":165.185,"end":165.685,"sentiment":"neutral","sentiment_score":0.14373748004436493},{"text":"Fantastic.","start":167.185,"end":167.685,"sentiment":"positive","sentiment_score":0.7241841554641724},{"text":"Now on the front page of that document, when you are looking at it, it'll say statement of advice prepared for yourself, Jason Hale, as of the 07/08/2026.","start":167.905,"end":176.6,"sentiment":"neutral","sentiment_score":0.3128736705652305},{"text":"Our documents are valid for sixty days from the date on the front of the document there.","start":176.6,"end":180.54001,"sentiment":"neutral","sentiment_score":0.2623237713294871},{"text":"On the bottom of the front page has my authorized representative number.","start":180.92,"end":184.04001,"sentiment":"neutral","sentiment_score":0.18048562357823053}],"sentiment":"neutral","sentiment_score":0.27548671198093283,"num_words":59,"start":165.185,"end":184.04001},{"sentences":[{"text":"So I'm a licensed financial adviser registered through ASIC, and my registration number is 1304394.","start":184.04001,"end":190.735,"sentiment":"neutral","sentiment_score":0.16473546226819355},{"text":"Okay?","start":190.735,"end":191.235,"sentiment":"neutral","sentiment_score":0.12894338369369507},{"text":"The next couple of pages run you through the best interest duty, the table of contents, and areas that we are scoping in and out with regards to the advice.","start":192.895,"end":200.115,"sentiment":"neutral","sentiment_score":0.1363953694701195},{"text":"When we did your annual review last, we sort of talked about looking at the retention side of things.","start":200.66,"end":204.9,"sentiment":"neutral","sentiment_score":0.07378375020466353},{"text":"So you had a bit of extra money sitting in your c bus account.","start":204.9,"end":207.78,"sentiment":"neutral","sentiment_score":0.0344753840139934}],"sentiment":"neutral","sentiment_score":0.1085618105304392,"num_words":79,"start":184.04001,"end":207.78},{"sentences":[{"text":"We wanted to go back and review the investments within Hub twenty four and c bus to make sure that everything was in line with your risk profile.","start":207.78,"end":214.935,"sentiment":"neutral","sentiment_score":0.21469226532748767},{"text":"You're also in that growth environment, and you wanted to take on a little bit more risk to get a bit more growth out of your super as we work towards your retirement goals there.","start":215.39499,"end":223.735,"sentiment":"neutral","sentiment_score":0.17779631039925983},{"text":"You were hoping to be able to access super at around about age 65.","start":224.03499,"end":227.58,"sentiment":"neutral","sentiment_score":0.2867401699934687},{"text":"So we've looked at increasing your risk level a little bit, but also readjusting your portfolio to make sure that you're inside that risk level, but also that your super fund is working at its best possible capacity.","start":227.58,"end":238.48,"sentiment":"neutral","sentiment_score":0.18459905762421458},{"text":"Okay?","start":238.86,"end":239.36,"sentiment":"neutral","sentiment_score":0.1305350661277771}],"sentiment":"neutral","sentiment_score":0.20167168904224347,"num_words":116,"start":207.78,"end":239.36},{"sentences":[{"text":"I've also scoped in the estate planning side of things.","start":241.195,"end":243.755,"sentiment":"neutral","sentiment_score":0.13265826664865016},{"text":"So just making sure that in the event of passing, that your beneficiary nominations are up to date to make sure all the proceeds are passed to your wife in the event that something happens to you.","start":243.755,"end":255.78,"sentiment":"neutral","sentiment_score":0.15439477150101918},{"text":"We are not making any new recommendations around TV or income protection, so you are happy with the level of cover you had in c bus at the moment and your personally paid direct policy with the income protection.","start":255.78,"end":266.68,"sentiment":"neutral","sentiment_score":0.050515506034478165},{"text":"We just want to retain, obviously, the c bus account to retain the level of cover you have.","start":267.36502,"end":272.345,"sentiment":"neutral","sentiment_score":0.08884435354007615},{"text":"However, it's been limited scoped into the advice because the cover is paid out of your super, so it does have an effect on your overall retirement projections.","start":272.405,"end":280.665,"sentiment":"neutral","sentiment_score":-0.002398619893938303}],"sentiment":"neutral","sentiment_score":0.07985856783378756,"num_words":132,"start":241.195,"end":280.665},{"sentences":[{"text":"So whilst we don't make any new recommendations, we do consider that as part of the projection table for you.","start":280.80502,"end":286.93,"sentiment":"neutral","sentiment_score":0.08152177347801626},{"text":"Okay?","start":286.99,"end":287.49,"sentiment":"neutral","sentiment_score":0.05047452077269554},{"text":"Excellent.","start":288.59,"end":289.07,"sentiment":"positive","sentiment_score":0.5541187524795532},{"text":"And you don't have any life or trauma cover.","start":289.07,"end":291.23,"sentiment":"neutral","sentiment_score":0.11730593401524755},{"text":"You weren't wanting to get any new insurances other than what you already held, so we're not making any recommendations around that.","start":291.23,"end":298.025,"sentiment":"neutral","sentiment_score":-0.04464021312411536}],"sentiment":"neutral","sentiment_score":0.04356032943809932,"num_words":53,"start":280.80502,"end":298.025},{"sentences":[{"text":"We've also scoped out debt management and additional contributions.","start":298.325,"end":301.70502,"sentiment":"neutral","sentiment_score":-0.020965914345449872},{"text":"So you didn't wanna make any additional contributions yet.","start":301.765,"end":304.325,"sentiment":"neutral","sentiment_score":-0.03295537643134594},{"text":"You were hoping to, pay down your mortgage first, have that all covered, then make additional contributions down the track.","start":304.325,"end":307.9619,"sentiment":"neutral","sentiment_score":0.06105062309652567},{"text":"Does that still sound appropriate for you?","start":307.9619,"end":308.835,"sentiment":"neutral","sentiment_score":0.08759113401174545},{"text":"Does that still sound appropriate for you?","start":310.41,"end":313.15002,"sentiment":"neutral","sentiment_score":0.038635490728276115}],"sentiment":"neutral","sentiment_score":0.03114052342537504,"num_words":52,"start":298.325,"end":313.15002},{"sentences":[{"text":"That's right?","start":314.25,"end":315.07,"sentiment":"neutral","sentiment_score":0.11384094506502151},{"text":"Excellent.","start":315.37003,"end":315.87003,"sentiment":"positive","sentiment_score":0.4894431531429291},{"text":"Fantastic.","start":316.01,"end":316.51,"sentiment":"positive","sentiment_score":0.5254261493682861},{"text":"As you get through pages number nine and ten, it does have a list of your assets and liabilities on page 10 there, just what we had noted at our last conversation.","start":317.93002,"end":327.765,"sentiment":"neutral","sentiment_score":0.1611669233534485},{"text":"If I can just get you to run your eyes over that for me.","start":328.305,"end":331.025,"sentiment":"neutral","sentiment_score":0.12871934420296124}],"sentiment":"neutral","sentiment_score":0.16403927117586137,"num_words":50,"start":314.25,"end":331.025},{"sentences":[{"text":"I know your mortgage hopefully has been paid down a little bit there.","start":331.025,"end":334.405,"sentiment":"neutral","sentiment_score":0.025704665969197567},{"text":"Is there anything that you would like me to have updated in the back end that may have changed since we last called out?","start":334.785,"end":341.41,"sentiment":"neutral","sentiment_score":0.026858827875306208},{"text":"Yeah.","start":347.15002,"end":347.65002,"sentiment":"neutral","sentiment_score":0.012929619289934635},{"text":"Yep.","start":352.59003,"end":352.905,"sentiment":"neutral","sentiment_score":-0.008796559646725655},{"text":"Okay.","start":354.905,"end":355.405,"sentiment":"neutral","sentiment_score":0.0015283860266208649}],"sentiment":"neutral","sentiment_score":0.024610849306918682,"num_words":40,"start":331.025,"end":355.405},{"sentences":[{"text":"What sort of value do you think you put on those now?","start":358.825,"end":361.565,"sentiment":"neutral","sentiment_score":0.004424610485633214},{"text":"Yep.","start":363.785,"end":364.285,"sentiment":"neutral","sentiment_score":0.0023271001409739256},{"text":"Yep.","start":365.625,"end":366.025,"sentiment":"neutral","sentiment_score":-0.004254251718521118},{"text":"They haven't been winning for you.","start":366.025,"end":367.885,"sentiment":"negative","sentiment_score":-0.34923407932122547},{"text":"Yeah.","start":375.19,"end":375.69,"sentiment":"neutral","sentiment_score":0.051794759929180145}],"sentiment":"neutral","sentiment_score":-0.09487816865467244,"num_words":21,"start":358.825,"end":375.69},{"sentences":[{"text":"Yep.","start":376.47,"end":376.97,"sentiment":"neutral","sentiment_score":0.12165700644254684},{"text":"No.","start":382.79,"end":383.19,"sentiment":"neutral","sentiment_score":-0.06992066651582718},{"text":"Of course.","start":383.19,"end":383.93,"sentiment":"neutral","sentiment_score":-0.044890571385622025},{"text":"Okay.","start":392.685,"end":393.185,"sentiment":"neutral","sentiment_score":-0.009852414950728416},{"text":"Absolutely.","start":397.41998,"end":397.66,"sentiment":"neutral","sentiment_score":0.13704779744148254}],"sentiment":"neutral","sentiment_score":0.01485842994103829,"num_words":6,"start":376.47,"end":397.66},{"sentences":[{"text":"Yeah.","start":397.66,"end":398.16,"sentiment":"neutral","sentiment_score":0.04899083077907562},{"text":"Yeah.","start":403.5,"end":404.0,"sentiment":"neutral","sentiment_score":0.02239339053630829},{"text":"Yep.","start":407.98,"end":408.48,"sentiment":"neutral","sentiment_score":0.07778459787368774},{"text":"Nine fifty.","start":411.5,"end":412.535,"sentiment":"neutral","sentiment_score":0.053412534296512604},{"text":"Fantastic.","start":412.595,"end":413.095,"sentiment":"positive","sentiment_score":0.5023396015167236}],"sentiment":"neutral","sentiment_score":0.12638891488313675,"num_words":6,"start":397.66,"end":413.095},{"sentences":[{"text":"Excellent.","start":413.795,"end":414.295,"sentiment":"positive","sentiment_score":0.45589351654052734},{"text":"Yep.","start":421.475,"end":421.975,"sentiment":"neutral","sentiment_score":0.04727579280734062},{"text":"10,000.","start":423.315,"end":424.055,"sentiment":"neutral","sentiment_score":0.09792856127023696},{"text":"Fantastic.","start":426.01,"end":426.51,"sentiment":"positive","sentiment_score":0.5951860547065735},{"text":"Fantastic.","start":427.69,"end":428.19,"sentiment":"positive","sentiment_score":0.6167175769805908}],"sentiment":"positive","sentiment_score":0.36260030046105385,"num_words":5,"start":413.795,"end":428.19},{"sentences":[{"text":"Yeah.","start":428.89,"end":429.39,"sentiment":"neutral","sentiment_score":0.12245118618011476},{"text":"The same.","start":432.41,"end":433.07,"sentiment":"neutral","sentiment_score":-0.014705203473567963},{"text":"I don't know.","start":438.89,"end":439.455,"sentiment":"neutral","sentiment_score":-0.08209890375534694},{"text":"I reckon if you realistically, if you took your house upside down, everything fell out.","start":440.41498,"end":444.655,"sentiment":"neutral","sentiment_score":-0.12821589161952338},{"text":"That's all your content.","start":444.655,"end":445.935,"sentiment":"neutral","sentiment_score":-0.03950104862451553}],"sentiment":"neutral","sentiment_score":-0.08937994003295899,"num_words":25,"start":428.89,"end":445.935},{"sentences":[{"text":"So that's quite a lot of things to replace when you think about it.","start":445.935,"end":449.07498,"sentiment":"neutral","sentiment_score":-0.07475388715309757},{"text":"Yeah.","start":450.495,"end":450.995,"sentiment":"neutral","sentiment_score":0.0056505268439650536},{"text":"Yeah.","start":453.935,"end":454.26,"sentiment":"neutral","sentiment_score":-0.038189273327589035},{"text":"No.","start":459.14,"end":459.46002,"sentiment":"neutral","sentiment_score":-0.05409328639507294},{"text":"That's okay.","start":459.46002,"end":460.1,"sentiment":"neutral","sentiment_score":0.002324681729078293}],"sentiment":"neutral","sentiment_score":-0.059396688924416116,"num_words":19,"start":445.935,"end":460.1},{"sentences":[{"text":"I'd just like to update in the back end for you.","start":460.1,"end":461.94,"sentiment":"neutral","sentiment_score":0.06977613270282745},{"text":"So it won't I won't worry about updating the advice document because it doesn't change any of the advice provided, but it's good to update it in the back end for you just so we can have things updated and reflective.","start":461.94,"end":471.315,"sentiment":"neutral","sentiment_score":0.11410016548342822},{"text":"Okay?","start":471.775,"end":472.275,"sentiment":"neutral","sentiment_score":0.1005747616291046},{"text":"Fantastic.","start":473.13498,"end":473.63498,"sentiment":"positive","sentiment_score":0.4906587600708008},{"text":"Underneath that, we've got your current super balance.","start":474.895,"end":476.97498,"sentiment":"neutral","sentiment_score":0.3032676759175956}],"sentiment":"neutral","sentiment_score":0.13650030925148918,"num_words":62,"start":460.1,"end":476.97498},{"sentences":[{"text":"So within Hub 24 and your c bus, at the moment, you have about eleven thousand two fifty three in c bus.","start":476.97498,"end":482.93,"sentiment":"neutral","sentiment_score":0.022718983025036076},{"text":"Could be a bit more since we did this document a few weeks back.","start":482.93,"end":486.63,"sentiment":"neutral","sentiment_score":-0.007491893933287689},{"text":"And then your balance in Hub 24 is at the $242,004.92.","start":486.77,"end":491.775,"sentiment":"neutral","sentiment_score":0.017686459235846996},{"text":"Okay.","start":492.255,"end":492.755,"sentiment":"neutral","sentiment_score":-0.004019567742943764},{"text":"We've got your insurance policy within it's not much.","start":493.775,"end":497.29498,"sentiment":"neutral","sentiment_score":-0.15287885525160366}],"sentiment":"neutral","sentiment_score":-0.013867493016285854,"num_words":57,"start":476.97498,"end":497.29498},{"sentences":[{"text":"It's getting there, though.","start":497.29498,"end":498.175,"sentiment":"neutral","sentiment_score":-0.2320880927145481},{"text":"You still got a bit of time ahead of you.","start":498.175,"end":500.435,"sentiment":"neutral","sentiment_score":-0.25050961822271345},{"text":"See what I can do to make things work a bit harder for you.","start":500.495,"end":503.475,"sentiment":"neutral","sentiment_score":-0.249117588358266},{"text":"On the next page there, your current insurances.","start":504.82,"end":507.24,"sentiment":"neutral","sentiment_score":0.04120828304439783},{"text":"So within C Bus there, you do have 80 sorry.","start":507.38,"end":510.34,"sentiment":"neutral","sentiment_score":0.06349610015749932}],"sentiment":"neutral","sentiment_score":-0.12948842443849728,"num_words":46,"start":497.29498,"end":510.34},{"sentences":[{"text":"82,500 of TBD cover and some income protection there with a thirty day wait and two year benefit period.","start":510.34,"end":517.54,"sentiment":"neutral","sentiment_score":0.0607811045881949},{"text":"And then within Zurich, you've also got a bit of extra income protection for top up cover there with a thirty day waiting period and two year benefits period.","start":517.54,"end":525.595,"sentiment":"neutral","sentiment_score":0.06523750902249895},{"text":"The current sum insured there is $1.09 $9.02.","start":525.595,"end":528.555,"sentiment":"neutral","sentiment_score":0.036486459663137794},{"text":"Okay?","start":528.555,"end":529.055,"sentiment":"neutral","sentiment_score":0.029846716672182083},{"text":"To make this a bit easier, if you can go down to page number 14 for me, this is where the recommendations essentially start.","start":530.875,"end":537.55,"sentiment":"neutral","sentiment_score":0.14638873934745789}],"sentiment":"neutral","sentiment_score":0.08496045539684502,"num_words":81,"start":510.34,"end":537.55},{"sentences":[{"text":"I'll go through them nice and easily, and then you feel free to ask me questions.","start":538.41,"end":542.73,"sentiment":"neutral","sentiment_score":0.2513063093647361},{"text":"If you do have any questions throughout, you can just interrupt me and say, Daniel, just stop and let me ask some questions and ask anything you have.","start":542.73,"end":549.46497,"sentiment":"neutral","sentiment_score":0.10616092623344489},{"text":"Okay?","start":549.46497,"end":549.96497,"sentiment":"neutral","sentiment_score":0.07147565484046936},{"text":"We are recommending that you do retain your CBass super fund to retain your insurances, but we only wanna hold that with a minimum amount of cover.","start":550.985,"end":557.8018,"sentiment":"neutral","sentiment_score":0.1437467035871965},{"text":"So you'll keep your contributions going into CBass as they are, and then we're gonna roll all of that.","start":557.8018,"end":558.695,"sentiment":"neutral","sentiment_score":0.2740337440842076}],"sentiment":"neutral","sentiment_score":0.17750202938095555,"num_words":91,"start":538.41,"end":558.695},{"sentences":[{"text":"Retain C bus with a balance of $10,000 and keep your contributions moving in.","start":565.79004,"end":571.01,"sentiment":"positive","sentiment_score":0.3900970050266811},{"text":"Essentially, every year, anything above that 10,000, we wanna have rolled that into hub twenty four and keep that money moving so it is invested within Hub 24 hoping to get greater growth there for you.","start":571.07,"end":582.705,"sentiment":"neutral","sentiment_score":0.3121594103674094},{"text":"I'm also recommending we retain hub twenty four.","start":583.805,"end":586.365,"sentiment":"neutral","sentiment_score":0.2133493386209011},{"text":"I did review both super funds.","start":586.365,"end":588.12,"sentiment":"neutral","sentiment_score":0.3124505877494812},{"text":"They are still working really well.","start":588.12,"end":590.06,"sentiment":"positive","sentiment_score":0.5662288765112559}],"sentiment":"positive","sentiment_score":0.3382566905447415,"num_words":70,"start":565.79004,"end":590.06},{"sentences":[{"text":"Hub twenty four is still a great fund.","start":590.36005,"end":592.36005,"sentiment":"positive","sentiment_score":0.5234036911278963},{"text":"And, obviously, if we did, there are other funds that that could be a bit cheaper.","start":592.36005,"end":595.96,"sentiment":"neutral","sentiment_score":-0.009473433019593358},{"text":"But if we look to, sell down all of the investments and remove all the funds, the CGT affects your super fund just like you actually pays tax every year and has pays capital gains tax and income tax.","start":595.96,"end":607.795,"sentiment":"neutral","sentiment_score":-0.18205807443994743},{"text":"If we were to sell down and move to another fund, it would have a greater a larger CGT effect for your super, which meant which means your fund would have to pay more tax.","start":608.415,"end":618.48004,"sentiment":"neutral","sentiment_score":-0.17190729613815034},{"text":"So it is best to retain hub twenty four at the moment.","start":618.48004,"end":621.46,"sentiment":"neutral","sentiment_score":0.04501847612361113}],"sentiment":"neutral","sentiment_score":-0.07764676321636546,"num_words":110,"start":590.36005,"end":621.46},{"sentences":[{"text":"Realistically, hub twenty four hasn't made any changes that are detrimental.","start":621.52,"end":625.14,"sentiment":"neutral","sentiment_score":0.06345137411897833},{"text":"It is still a great fund and still has the most amount of investment options to be able to adjust your portfolio within.","start":625.52,"end":632.02,"sentiment":"positive","sentiment_score":0.6123365047185317},{"text":"Okay?","start":632.24005,"end":632.74005,"sentiment":"neutral","sentiment_score":0.23509761691093445},{"text":"Because your super balance is only at 11,000, normally, we wanna roll over 10,000 over.","start":634.425,"end":640.345,"sentiment":"neutral","sentiment_score":0.03404455333948135},{"text":"I do not see a need to roll, basically, a $1,000 out of the c bus account.","start":640.345,"end":646.125,"sentiment":"neutral","sentiment_score":-0.17202621610725627}],"sentiment":"neutral","sentiment_score":0.18810485025395207,"num_words":67,"start":621.52,"end":646.125},{"sentences":[{"text":"So what I will do for now is I'm not gonna do a rollover right now.","start":646.265,"end":650.13,"sentiment":"neutral","sentiment_score":-0.14234079886227846},{"text":"We'll probably just wait till the next catch up.","start":650.13,"end":652.53,"sentiment":"neutral","sentiment_score":-0.06496504777007633},{"text":"We'll check the c bus balance then.","start":652.53,"end":654.37,"sentiment":"neutral","sentiment_score":0.009204535345946039},{"text":"And if we need to do a rollover, then if the balance is a bit higher, then we'll roll some money out for you.","start":654.37,"end":659.41,"sentiment":"neutral","sentiment_score":0.02646663513345023},{"text":"Okay?","start":659.41,"end":659.91,"sentiment":"neutral","sentiment_score":0.05293063819408417}],"sentiment":"neutral","sentiment_score":-0.037010115489625094,"num_words":57,"start":646.265,"end":659.91},{"sentences":[{"text":"Yeah.","start":675.265,"end":675.765,"sentiment":"neutral","sentiment_score":0.1763298064470291},{"text":"I am recommending that you make those do change and have that paid on more of a regular basis.","start":676.13,"end":681.81,"sentiment":"neutral","sentiment_score":0.32340097270513835},{"text":"So so instead of doing it quarterly, try doing it weekly or fortnightly.","start":681.81,"end":685.67,"sentiment":"neutral","sentiment_score":0.17159533271422753},{"text":"That way you're putting smaller amounts in.","start":686.20996,"end":688.45,"sentiment":"neutral","sentiment_score":0.20110613107681274},{"text":"Yeah.","start":688.45,"end":688.69,"sentiment":"positive","sentiment_score":0.3396170437335968}],"sentiment":"neutral","sentiment_score":0.251196282302461,"num_words":41,"start":675.265,"end":688.69},{"sentences":[{"text":"That way you're putting smaller amounts in more regularly.","start":688.69,"end":691.35,"sentiment":"positive","sentiment_score":0.4194456504450904},{"text":"Your super fund actually benefits greater from that because you're properly dollar cost averaging into the fund.","start":692.14496,"end":698.08496,"sentiment":"positive","sentiment_score":0.6048113786998917},{"text":"But it also means instead of having a larger lump sum on a quarterly basis, you're just putting smaller amounts in more regularly, so it's much more manageable to do for you.","start":698.14496,"end":707.5,"sentiment":"positive","sentiment_score":0.3399582535494119},{"text":"So I'm also recommending as part of the advice that you make that small change.","start":707.5,"end":711.68,"sentiment":"positive","sentiment_score":0.4603606700897217},{"text":"And every week or fortnight, you just make that additional contribution in and out of your self employed wages.","start":711.74,"end":717.6,"sentiment":"neutral","sentiment_score":0.2896326521509572}],"sentiment":"positive","sentiment_score":0.4059119439967301,"num_words":92,"start":688.69,"end":717.6},{"sentences":[{"text":"Okay?","start":717.81995,"end":718.215,"sentiment":"neutral","sentiment_score":0.11318303644657136},{"text":"Yeah.","start":722.05505,"end":722.55505,"sentiment":"neutral","sentiment_score":0.01735023409128189},{"text":"Yeah.","start":723.815,"end":724.29504,"sentiment":"neutral","sentiment_score":0.04571987688541413},{"text":"Yeah.","start":724.29504,"end":724.53503,"sentiment":"neutral","sentiment_score":0.06760488450527191},{"text":"Comp companies are definitely supposed to.","start":724.53503,"end":726.695,"sentiment":"neutral","sentiment_score":0.11558391650517781}],"sentiment":"neutral","sentiment_score":0.09373615309596062,"num_words":10,"start":717.81995,"end":726.695},{"sentences":[{"text":"I'm pretty sure for yourself, it it is best to do so as well.","start":726.695,"end":729.73505,"sentiment":"neutral","sentiment_score":0.22218351385423116},{"text":"So it just it works out to benefit you much greater in the long run.","start":729.73505,"end":734.17,"sentiment":"positive","sentiment_score":0.4595048228899638},{"text":"Yeah.","start":734.23,"end":734.73,"sentiment":"neutral","sentiment_score":0.2033126950263977},{"text":"Excellent.","start":735.67,"end":736.17,"sentiment":"positive","sentiment_score":0.4992561936378479},{"text":"That's okay.","start":738.70996,"end":739.52997,"sentiment":"neutral","sentiment_score":-0.10161228477954865}],"sentiment":"neutral","sentiment_score":0.3182571471640558,"num_words":33,"start":726.695,"end":739.52997},{"sentences":[{"text":"Yeah.","start":741.99,"end":742.245,"sentiment":"neutral","sentiment_score":-0.03789480775594711},{"text":"Yeah.","start":742.245,"end":742.745,"sentiment":"neutral","sentiment_score":-0.06220125779509544},{"text":"Yeah.","start":745.445,"end":745.605,"sentiment":"neutral","sentiment_score":0.03671939671039581},{"text":"Absolutely.","start":745.605,"end":746.105,"sentiment":"neutral","sentiment_score":0.05527900159358978},{"text":"No.","start":746.725,"end":746.96497,"sentiment":"neutral","sentiment_score":-0.02545801177620888}],"sentiment":"neutral","sentiment_score":-0.006711135804653168,"num_words":5,"start":741.99,"end":746.96497},{"sentences":[{"text":"That's not a problem at all.","start":746.96497,"end":748.745,"sentiment":"neutral","sentiment_score":0.11046005063690245},{"text":"Underneath that section, I'll let you have a bit of a read through it after.","start":749.125,"end":752.165,"sentiment":"neutral","sentiment_score":0.12175970921913783},{"text":"But we have the best interest duty, which essentially relates the recommendations back to your goals and why they are in your best interest.","start":752.165,"end":759.01996,"sentiment":"neutral","sentiment_score":0.20939973462373018},{"text":"I'm also recommending that we increase your risk in the portfolio and move into more of a high growth environment as well.","start":759.01996,"end":764.69995,"sentiment":"neutral","sentiment_score":0.1385967999019406},{"text":"We'll make sure we monitor that moving forward.","start":764.69995,"end":766.69995,"sentiment":"neutral","sentiment_score":0.18155883252620697}],"sentiment":"neutral","sentiment_score":0.16021799774840473,"num_words":75,"start":746.96497,"end":766.69995},{"sentences":[{"text":"So when and if you decide you'll no longer feel that that's appropriate or you're a bit concerned about the risk level, just let us know, and we can always reduce that back if we if you need to.","start":766.69995,"end":776.565,"sentiment":"neutral","sentiment_score":0.09851149775278874},{"text":"Okay?","start":776.625,"end":777.125,"sentiment":"neutral","sentiment_score":0.0997111350297928},{"text":"Excellent.","start":779.025,"end":779.525,"sentiment":"positive","sentiment_score":0.5177419781684875},{"text":"Yeah.","start":781.825,"end":782.325,"sentiment":"neutral","sentiment_score":0.3066156208515167},{"text":"All good.","start":782.625,"end":783.185,"sentiment":"positive","sentiment_score":0.508213460445404}],"sentiment":"neutral","sentiment_score":0.13141918334771285,"num_words":44,"start":766.69995,"end":783.185},{"sentences":[{"text":"I've also got underneath that the advantages, disadvantages, the risks involved, and any additional considerations that we have made for you as well.","start":783.185,"end":790.97003,"sentiment":"neutral","sentiment_score":0.09172206728354744},{"text":"So any alternatives that we've considered, essentially.","start":791.03,"end":793.85004,"sentiment":"neutral","sentiment_score":0.05689766949840954},{"text":"Okay.","start":794.23004,"end":794.73004,"sentiment":"neutral","sentiment_score":0.16103620827198029},{"text":"Excellent.","start":796.55,"end":797.05,"sentiment":"neutral","sentiment_score":-0.003694426268339157},{"text":"When you have a rate through that and you're comfortable to move on, if I can get you to move down to page number 19 for me, I'm also recommending we do make a bit of an additional change to the investments within your super.","start":797.35004,"end":808.995,"sentiment":"neutral","sentiment_score":0.30650410585933263}],"sentiment":"neutral","sentiment_score":0.21373919194394891,"num_words":77,"start":783.185,"end":808.995},{"sentences":[{"text":"So sorry.","start":821.59,"end":822.33,"sentiment":"neutral","sentiment_score":0.013664093799889088},{"text":"Just let me know when you're when you're good in your move down.","start":824.55,"end":827.77,"sentiment":"neutral","sentiment_score":0.1047106790714539},{"text":"Yeah.","start":834.585,"end":834.905,"sentiment":"neutral","sentiment_score":0.02978728711605072},{"text":"Very similar to HAB 24.","start":834.905,"end":836.985,"sentiment":"neutral","sentiment_score":0.05419491156935692},{"text":"It's an adviser platform, and it has access to lots of different investment options there.","start":836.985,"end":842.28503,"sentiment":"neutral","sentiment_score":0.0818681093553702}],"sentiment":"neutral","sentiment_score":0.08103751391172409,"num_words":36,"start":821.59,"end":842.28503},{"sentences":[{"text":"I did consider and look at the option of moving to another platform like my North, But, unfortunately, it came out to be too cost too expensive to do.","start":842.745,"end":851.38,"sentiment":"neutral","sentiment_score":-0.24491143945989938},{"text":"So so while they're more cheaper funds, the CGT would have cost had 24 with your super fund about over $5,000 to sell down wholly and move into my north.","start":851.38,"end":863.095,"sentiment":"neutral","sentiment_score":-0.22718470344940822},{"text":"And when you consider the contributions going in and the fees, by having to pay that CGT, it's not worth it.","start":863.095,"end":871.33496,"sentiment":"negative","sentiment_score":-0.4382706979910533},{"text":"You don't make that money back fast enough towards your retirement even in the high growth portfolios.","start":871.33496,"end":876.15497,"sentiment":"negative","sentiment_score":-0.6501429519232582},{"text":"So I weighed up the options and did all the math and looked at it and decided it was best for you to retain Hub twenty four.","start":876.99,"end":882.51,"sentiment":"neutral","sentiment_score":-0.03680986621313625}],"sentiment":"neutral","sentiment_score":-0.28361253287162513,"num_words":124,"start":842.745,"end":882.51},{"sentences":[{"text":"Yeah.","start":882.51,"end":883.01,"sentiment":"neutral","sentiment_score":0.04358315095305443},{"text":"Yep.","start":886.75,"end":887.25,"sentiment":"neutral","sentiment_score":0.05539662763476372},{"text":"You'll see all those different investments there is.","start":887.79004,"end":890.77,"sentiment":"neutral","sentiment_score":-0.04619686049409211},{"text":"There is.","start":892.215,"end":893.275,"sentiment":"neutral","sentiment_score":-0.001500365324318409},{"text":"Absolutely.","start":893.335,"end":893.835,"sentiment":"neutral","sentiment_score":0.07838903367519379}],"sentiment":"neutral","sentiment_score":-0.015015907872181673,"num_words":13,"start":882.51,"end":893.835},{"sentences":[{"text":"So those red numbers are the numbers that we're going to sell.","start":894.215,"end":896.775,"sentiment":"neutral","sentiment_score":-0.03860241717969378},{"text":"So you'll see on the side here, you've got your SeaBus Super.","start":896.775,"end":899.675,"sentiment":"neutral","sentiment_score":0.06426534460236628},{"text":"We're gonna retain that exactly as it is for the moment, but the goal is to continuously achieve be moving money out of c bus and into hub 24.","start":899.735,"end":907.61,"sentiment":"neutral","sentiment_score":0.17516535083795415},{"text":"So I'll review, obviously, your balance each year, and we'll make sure we do regular rollovers.","start":908.14996,"end":913.44995,"sentiment":"neutral","sentiment_score":0.01493529905565083},{"text":"For this particular moment, it's only, like, a thousand $1,253 we'd be rolling out of.","start":913.58997,"end":920.40497,"sentiment":"neutral","sentiment_score":-0.21300641397635142}],"sentiment":"neutral","sentiment_score":0.028947843793070034,"num_words":84,"start":894.215,"end":920.40497},{"sentences":[{"text":"It doesn't sort of work make it worthwhile right now, so I'm gonna hold off on doing a rollover now.","start":920.545,"end":925.745,"sentiment":"neutral","sentiment_score":-0.29106569830328227},{"text":"We'll do that when we do a catch up, and I'll reassess your balance then.","start":925.745,"end":929.205,"sentiment":"neutral","sentiment_score":-0.0045552857841054594},{"text":"But in HUB twenty four, in order to move into more that high growth environment, we needed to reassess the investments.","start":929.265,"end":934.5833,"sentiment":"neutral","sentiment_score":-0.0654346023996671},{"text":"And I had found that some of them in your old portfolio were underperforming and needed to be altered and changed.","start":934.5833,"end":940.42834,"sentiment":"negative","sentiment_score":-0.3986273826587768},{"text":"So the red that you've been looking at is what we're gonna be selling down.","start":940.42834,"end":944.72504,"sentiment":"negative","sentiment_score":-0.35813492933909097}],"sentiment":"neutral","sentiment_score":-0.22833661825153168,"num_words":92,"start":920.545,"end":944.72504},{"sentences":[{"text":"So we are gonna be selling off the battery and lithium tax, the Ben along Australian Equities, which has been underperforming and not doing very well for your fund.","start":944.72504,"end":953.065,"sentiment":"negative","sentiment_score":-0.41203754369554846},{"text":"The bank hybrids, that sort of investment is actually gonna be phased out by the government, so we need to remove that from your portfolio now.","start":953.685,"end":961.23,"sentiment":"negative","sentiment_score":-0.3819574954418036},{"text":"The China new economy hasn't been performing as well as it should have been.","start":962.17,"end":966.35,"sentiment":"neutral","sentiment_score":-0.2355002835392952},{"text":"And your physical gold is doing very well and is great, but we need to just reduce it back a little bit.","start":966.57,"end":972.26495,"sentiment":"neutral","sentiment_score":-0.19304003498770975},{"text":"So we only wanna hold 7% of physical gold.","start":972.26495,"end":975.245,"sentiment":"neutral","sentiment_score":-0.07669939597447713}],"sentiment":"neutral","sentiment_score":-0.3011416295170784,"num_words":100,"start":944.72504,"end":975.245},{"sentences":[{"text":"You've currently got 9% there at the moment, so we just wanna cement some of the gains and redistribute those across your portfolio for you.","start":975.305,"end":982.925,"sentiment":"neutral","sentiment_score":0.10948168456554414},{"text":"You only wanna hold about 77% of physical gold in your portfolio.","start":983.065,"end":987.565,"sentiment":"neutral","sentiment_score":0.020373339764773846},{"text":"The beta share cybersecurity, we only wanna hold about 6% in your portfolio.","start":989.27997,"end":994.25995,"sentiment":"neutral","sentiment_score":-0.013185375441725437},{"text":"You kinda got 8.24%, so we wanna sell some of that and just rebalance you back a little bit there as well.","start":994.31995,"end":1001.06,"sentiment":"neutral","sentiment_score":-0.06119118901816281},{"text":"The s and p five hundred is the top 500 companies in The US.","start":1002.0,"end":1005.825,"sentiment":"neutral","sentiment_score":-0.013024492987564631}],"sentiment":"neutral","sentiment_score":0.014901898259860139,"num_words":86,"start":975.305,"end":1005.825},{"sentences":[{"text":"We wanna hold about 35% of your portfolio.","start":1005.825,"end":1008.565,"sentiment":"neutral","sentiment_score":0.0013568941503763199},{"text":"You're a bit underweighted at the moment, so we wanna bring that exposure up a little bit and buy just over $4,000 of the s and p five hundred.","start":1008.945,"end":1017.365,"sentiment":"neutral","sentiment_score":-0.1251418224439539},{"text":"And then with the VanEck Australian property, property is having a bit of a pullback.","start":1018.11,"end":1022.19,"sentiment":"neutral","sentiment_score":-0.26933782498041786},{"text":"We wanna remove that solely from your portfolio.","start":1022.19,"end":1024.53,"sentiment":"neutral","sentiment_score":-0.2634193077683449},{"text":"Whilst it has provided good returns, our property is having a bit of a pullback with the changes of legislation at the moment, so it is worth removing that wholly from your from your portfolio.","start":1024.59,"end":1033.9249,"sentiment":"neutral","sentiment_score":-0.28672234948192327}],"sentiment":"neutral","sentiment_score":-0.20843117648833676,"num_words":95,"start":1005.825,"end":1033.9249},{"sentences":[{"text":"And because we're removing the Ben along Australian equities, we're also removing the Raffy a 200 there.","start":1034.5449,"end":1040.1449,"sentiment":"neutral","sentiment_score":-0.10502268856062609},{"text":"That investment is more it's more of an expensive kind of investment to have, and we found a way to provide greater diversification to hold Australian equities, but also make your portfolio cheaper for you as well.","start":1040.1449,"end":1052.39,"sentiment":"neutral","sentiment_score":-0.0005041528996583578},{"text":"So we're gonna sell that investment down.","start":1052.39,"end":1054.7301,"sentiment":"neutral","sentiment_score":-0.06739884561726026},{"text":"Okay?","start":1054.79,"end":1055.29,"sentiment":"neutral","sentiment_score":0.00652757752686739},{"text":"Once we complete all of those sales, we'll still hold about 7% of physical gold.","start":1057.095,"end":1062.535,"sentiment":"neutral","sentiment_score":0.0941002701719602}],"sentiment":"neutral","sentiment_score":-0.011140255221202001,"num_words":77,"start":1034.5449,"end":1062.535},{"sentences":[{"text":"We'll still hold about 6% in cybersecurity.","start":1062.535,"end":1064.955,"sentiment":"neutral","sentiment_score":0.09437138906547002},{"text":"We'll still hold about 35% of the s and p 500, and we're gonna buy into some Europe and Japanese exposure.","start":1065.575,"end":1072.48,"sentiment":"neutral","sentiment_score":0.10798385136184238},{"text":"So you hold 9% of European and 5% of Japanese.","start":1072.48,"end":1076.82,"sentiment":"neutral","sentiment_score":0.12611948177218438},{"text":"The Europe exposure is giving you access to all 16 European countries.","start":1077.2,"end":1081.2,"sentiment":"neutral","sentiment_score":0.2515285598735015},{"text":"They're giving you great diversification across the globe, and Japan has seen some really good growth there as well.","start":1081.2,"end":1087.235,"sentiment":"positive","sentiment_score":0.5353878767866838}],"sentiment":"neutral","sentiment_score":0.25188648981460626,"num_words":69,"start":1062.535,"end":1087.235},{"sentences":[{"text":"So we wanna hold 5% of that.","start":1087.235,"end":1089.495,"sentiment":"neutral","sentiment_score":0.21802793443202972},{"text":"On the next page, if you scroll down, you'll see the Vanguard or World ex US.","start":1090.5149,"end":1095.1549,"sentiment":"neutral","sentiment_score":0.03814967360813171},{"text":"So this is essentially giving you exposure to the entire globe minus The US market because we have the S and P 500 above there.","start":1095.1549,"end":1103.3,"sentiment":"neutral","sentiment_score":0.07041954711079597},{"text":"And this is giving you greater diversification in a cost effective investment, and we wanna hold 8% of that for you.","start":1103.52,"end":1110.5801,"sentiment":"neutral","sentiment_score":0.21655090011301495},{"text":"We still need to some Australian exposure, and we are removing the Rafi plus the Benelon because the Benelon has been underperforming, and we're gonna hold the beta shares a 200.","start":1111.28,"end":1121.725,"sentiment":"neutral","sentiment_score":-0.025583857009487766}],"sentiment":"neutral","sentiment_score":0.07651548331603408,"num_words":100,"start":1087.235,"end":1121.725},{"sentences":[{"text":"This is giving you exposure to the top 200 companies on ASX, and we wanna hold 25% of that investment for you.","start":1121.725,"end":1130.12,"sentiment":"neutral","sentiment_score":0.12065802904015238},{"text":"One of the cool things, the a 200 actually is a very good dividend pay.","start":1130.66,"end":1134.5801,"sentiment":"positive","sentiment_score":0.572877577940623},{"text":"It's one of the highest dividend paying Australian stocks.","start":1134.5801,"end":1138.2949,"sentiment":"positive","sentiment_score":0.5758320821656121},{"text":"So it'll be good.","start":1138.595,"end":1139.715,"sentiment":"positive","sentiment_score":0.6688077002763748},{"text":"It'll help you with a bit of income producing within your portfolio, but it's also a much cheaper option to hold Australian equities for you.","start":1139.715,"end":1147.975,"sentiment":"positive","sentiment_score":0.5103900587558746}],"sentiment":"positive","sentiment_score":0.4248681508998076,"num_words":75,"start":1121.725,"end":1147.975},{"sentences":[{"text":"Okay?","start":1148.115,"end":1148.615,"sentiment":"neutral","sentiment_score":0.1959343254566193},{"text":"And then we've got core composite bonds.","start":1150.26,"end":1152.3401,"sentiment":"neutral","sentiment_score":0.14430773950048856},{"text":"So it's important that we have defensive investments with the high growth environment you wanna be in.","start":1152.3401,"end":1157.62,"sentiment":"neutral","sentiment_score":0.20152404290788314},{"text":"We only wanna hold about sort of five to 10% of defensive investments.","start":1157.62,"end":1162.28,"sentiment":"neutral","sentiment_score":0.13543247431516647},{"text":"The idea is we have most of our money sitting in those growth investments trying to obtain greater growth there.","start":1162.5801,"end":1168.215,"sentiment":"neutral","sentiment_score":0.18134882636368274}],"sentiment":"neutral","sentiment_score":0.1727516538752564,"num_words":58,"start":1148.115,"end":1168.215},{"sentences":[{"text":"So we're just holding about 5% of core composite bonds to give you some defensive exposure as well.","start":1168.5149,"end":1174.695,"sentiment":"neutral","sentiment_score":0.20869940684901345},{"text":"Okay?","start":1174.835,"end":1175.335,"sentiment":"neutral","sentiment_score":0.12336355447769164},{"text":"So that is essentially the changes I wanna make to your portfolio there.","start":1176.595,"end":1180.26,"sentiment":"neutral","sentiment_score":0.17144574224948883},{"text":"I'll show you the reasoning behind that in a second.","start":1180.26,"end":1182.8201,"sentiment":"neutral","sentiment_score":0.12493462488055229},{"text":"But underneath that table, you also see within hub twenty four, you've got about 11 thousand sitting in cash there at the moment.","start":1182.8201,"end":1189.72,"sentiment":"neutral","sentiment_score":0.06964238587280978}],"sentiment":"neutral","sentiment_score":0.1378441330905144,"num_words":65,"start":1168.5149,"end":1189.72},{"sentences":[{"text":"You have a bit more cash than I would realistically like.","start":1189.9401,"end":1192.74,"sentiment":"neutral","sentiment_score":0.03845450620759617},{"text":"We only wanna hold minimum cash.","start":1192.74,"end":1194.755,"sentiment":"neutral","sentiment_score":0.092123548189799},{"text":"We wanna have as much money invested in your portfolio as possible, so we're gonna reinvest about $8,581 of that for you.","start":1194.755,"end":1203.735,"sentiment":"neutral","sentiment_score":0.18746766651218588},{"text":"Okay?","start":1203.795,"end":1204.295,"sentiment":"neutral","sentiment_score":0.11765380203723907},{"text":"Excellent.","start":1205.955,"end":1206.455,"sentiment":"positive","sentiment_score":0.5621987581253052}],"sentiment":"neutral","sentiment_score":0.1409727336793411,"num_words":41,"start":1189.9401,"end":1206.455},{"sentences":[{"text":"Yeah.","start":1217.6,"end":1218.08,"sentiment":"neutral","sentiment_score":0.011696064844727516},{"text":"I can give you that.","start":1218.08,"end":1231.955,"sentiment":"neutral","sentiment_score":-0.02750227116048336},{"text":"Yeah.","start":1232.095,"end":1232.31,"sentiment":"neutral","sentiment_score":-0.062413930892944336},{"text":"That's okay.","start":1238.8701,"end":1239.6901,"sentiment":"neutral","sentiment_score":0.02665642788633704},{"text":"I can give you I can go in there now.","start":1240.31,"end":1242.7301,"sentiment":"neutral","sentiment_score":0.04696839153766632}],"sentiment":"neutral","sentiment_score":0.01761934469993177,"num_words":19,"start":1217.6,"end":1242.7301},{"sentences":[{"text":"Yeah.","start":1243.5901,"end":1243.91,"sentiment":"neutral","sentiment_score":0.08491189777851105},{"text":"Absolutely.","start":1243.91,"end":1244.41,"sentiment":"neutral","sentiment_score":0.1289559304714203},{"text":"Let's have a look now.","start":1244.63,"end":1245.5901,"sentiment":"neutral","sentiment_score":0.08423965126276016},{"text":"So I'm just pulling up the report for you to have a look now.","start":1245.5901,"end":1249.5349,"sentiment":"neutral","sentiment_score":0.07265457750431129},{"text":"Last year.","start":1250.7949,"end":1251.855,"sentiment":"neutral","sentiment_score":-0.012364858761429787}],"sentiment":"neutral","sentiment_score":0.07076088922179263,"num_words":23,"start":1243.5901,"end":1251.855},{"sentences":[{"text":"Sorry.","start":1255.195,"end":1255.595,"sentiment":"neutral","sentiment_score":-0.015969999134540558},{"text":"Won't be a second.","start":1255.595,"end":1256.475,"sentiment":"neutral","sentiment_score":0.005414989311248064},{"text":"Just loading the report for you.","start":1256.475,"end":1258.4149,"sentiment":"neutral","sentiment_score":0.16043115903933844},{"text":"Beautiful.","start":1259.755,"end":1260.255,"sentiment":"positive","sentiment_score":0.4743393659591675},{"text":"So when we look at everything as a whole, over the last twelve months, your portfolio and it's important to note that with the amount of volatility we have seen, with everything you've seen going on with the US war this year, there has been a lot of ups and downs there.","start":1260.76,"end":1276.245,"sentiment":"neutral","sentiment_score":0.01751918555237353}],"sentiment":"neutral","sentiment_score":0.03677521760982927,"num_words":64,"start":1255.195,"end":1276.245},{"sentences":[{"text":"But as a whole, your portfolio has made about 4.45% net of fees after all fees have been considered.","start":1276.325,"end":1283.145,"sentiment":"neutral","sentiment_score":0.3251958038461836},{"text":"So you have definitely had a good positive return for the year.","start":1283.205,"end":1286.325,"sentiment":"positive","sentiment_score":0.8039095302422842},{"text":"It is lower than where we'd expect.","start":1286.325,"end":1288.105,"sentiment":"positive","sentiment_score":0.3526418762547629},{"text":"A lot of that is because Bennelong has been underperforming there and, obviously, with what's been happening globally with the Iran and the US war there.","start":1288.58,"end":1296.52,"sentiment":"neutral","sentiment_score":0.08797528981589355},{"text":"But you have definitely made a 4.45 return after fees.","start":1296.8201,"end":1300.9,"sentiment":"positive","sentiment_score":0.555689862370491}],"sentiment":"positive","sentiment_score":0.35322140444170785,"num_words":74,"start":1276.325,"end":1300.9},{"sentences":[{"text":"So it does mean your portfolio is still working the same direction.","start":1300.9,"end":1304.3949,"sentiment":"positive","sentiment_score":0.5291221539179484},{"text":"Because contributions do go into C bus, this is just what the portfolio has been able to do.","start":1304.855,"end":1310.375,"sentiment":"positive","sentiment_score":0.5358270042472415},{"text":"So even with everything going on, it's come out with a positive return, which is good.","start":1310.375,"end":1315.59,"sentiment":"positive","sentiment_score":0.7384989894926548},{"text":"Yeah.","start":1320.15,"end":1320.65,"sentiment":"neutral","sentiment_score":0.03150177747011185},{"text":"Mhmm.","start":1326.95,"end":1327.45,"sentiment":"neutral","sentiment_score":0.01898873411118984}],"sentiment":"positive","sentiment_score":0.5804338805610314,"num_words":48,"start":1300.9,"end":1327.45},{"sentences":[{"text":"Bank interest, yeah, bank bank interest is middle of the range at the moment, around about a sort of four to 5% return depending on who you're with and what you're doing.","start":1338.165,"end":1347.49,"sentiment":"neutral","sentiment_score":0.04990856786025688},{"text":"But you're also paying about 9% in you know, between six to 9% in mortgage rates as well.","start":1347.63,"end":1353.15,"sentiment":"neutral","sentiment_score":0.03659429680556059},{"text":"So the mortgages are much higher.","start":1353.15,"end":1355.5701,"sentiment":"neutral","sentiment_score":0.02359641467531522},{"text":"And when you consider the cash rate there, it is definitely a lot lower than what you are paying in interest.","start":1356.015,"end":1361.395,"sentiment":"neutral","sentiment_score":0.028719702912938027},{"text":"I'm just pulling out.","start":1362.095,"end":1363.215,"sentiment":"neutral","sentiment_score":0.02857509208843112}],"sentiment":"neutral","sentiment_score":0.03845387816797068,"num_words":81,"start":1338.165,"end":1363.215},{"sentences":[{"text":"I can have a look at what C Bus is preferring, but C Bus is also giving us when we look at what their investment returns are performing, they're giving us a gross return based on the overall.","start":1363.215,"end":1375.17,"sentiment":"neutral","sentiment_score":0.07806511801716529},{"text":"So it's not necessarily saying that you would have got this return.","start":1375.23,"end":1378.85,"sentiment":"neutral","sentiment_score":0.02398612319181363},{"text":"It also depends upon contributions going in, what's happening, any distributions, and things like that.","start":1379.15,"end":1385.035,"sentiment":"neutral","sentiment_score":0.022554183627168337},{"text":"But if I'll have a look at the.","start":1385.175,"end":1388.155,"sentiment":"neutral","sentiment_score":-0.0022130911820568144},{"text":"Sorry.","start":1390.135,"end":1390.615,"sentiment":"neutral","sentiment_score":-0.03933443874120712}],"sentiment":"neutral","sentiment_score":0.04777812904275551,"num_words":74,"start":1363.215,"end":1390.615},{"sentences":[{"text":"This goes to their site.","start":1390.615,"end":1393.1951,"sentiment":"neutral","sentiment_score":-0.04051428288221359},{"text":"Options.","start":1397.05,"end":1397.55,"sentiment":"neutral","sentiment_score":-0.014887336641550064},{"text":"Yeah.","start":1400.65,"end":1401.15,"sentiment":"neutral","sentiment_score":0.0061203790828585625},{"text":"Absolutely.","start":1401.53,"end":1402.03,"sentiment":"neutral","sentiment_score":0.003414854407310486},{"text":"Yeah.","start":1403.77,"end":1404.27,"sentiment":"neutral","sentiment_score":0.022127581760287285}],"sentiment":"neutral","sentiment_score":-0.020643992866906855,"num_words":9,"start":1390.615,"end":1404.27},{"sentences":[{"text":"Absolutely.","start":1404.97,"end":1405.47,"sentiment":"positive","sentiment_score":0.37173956632614136},{"text":"Yeah.","start":1407.29,"end":1407.77,"sentiment":"positive","sentiment_score":0.3533632159233093},{"text":"Absolutely.","start":1407.77,"end":1408.27,"sentiment":"positive","sentiment_score":0.5212855339050293},{"text":"So their growth my super account from this is up until the 06/30/2026, so it is definitely almost a month old.","start":1408.89,"end":1418.475,"sentiment":"positive","sentiment_score":0.3933574990147636},{"text":"But they're claiming that their my my super growth growth, so before tax, has returned a 9.25% return on average.","start":1418.935,"end":1429.05,"sentiment":"positive","sentiment_score":0.5443988859653472}],"sentiment":"positive","sentiment_score":0.4635198526084423,"num_words":44,"start":1404.97,"end":1429.05},{"sentences":[{"text":"So it is definitely higher than what you've got in your portfolio.","start":1429.05,"end":1432.71,"sentiment":"positive","sentiment_score":0.6170475954810778},{"text":"But, I mean, hub twenty four, this is giving you the return based on today's date, so very much within the last twelve months.","start":1434.5299,"end":1441.51,"sentiment":"positive","sentiment_score":0.3672860935330391},{"text":"And it's a net return after fees as well.","start":1442.0149,"end":1444.495,"sentiment":"neutral","sentiment_score":0.26105958388911354},{"text":"So I would have to kind of go back and reassess the fees within Cbus and really go into nitty gritty to be able to find out what the return would be after fees.","start":1444.495,"end":1454.4349,"sentiment":"neutral","sentiment_score":0.13421100794392474},{"text":"But that that's just what they're claiming that their portfolio can achieve in the last twelve months or in the last one year up to the June 30.","start":1454.8949,"end":1462.38,"sentiment":"positive","sentiment_score":0.3519001736172608}],"sentiment":"neutral","sentiment_score":0.3082743250181742,"num_words":107,"start":1429.05,"end":1462.38},{"sentences":[{"text":"Yeah.","start":1476.0549,"end":1476.375,"sentiment":"neutral","sentiment_score":0.11428431421518326},{"text":"We can we can do that.","start":1476.375,"end":1477.995,"sentiment":"neutral","sentiment_score":0.1346186138689518},{"text":"We don't because there's so many other factors to take into account.","start":1478.1349,"end":1481.755,"sentiment":"neutral","sentiment_score":0.001093158187965552},{"text":"But, yeah, I can go back and have a look at that and compare it for you if you like.","start":1482.67,"end":1486.11,"sentiment":"neutral","sentiment_score":0.1541358929127455},{"text":"I'll have to send you an email after the call to do so.","start":1486.11,"end":1488.85,"sentiment":"neutral","sentiment_score":0.10009014262602879}],"sentiment":"neutral","sentiment_score":0.1022885309245724,"num_words":52,"start":1476.0549,"end":1488.85},{"sentences":[{"text":"Is just growing.","start":1490.03,"end":1491.39,"sentiment":"neutral","sentiment_score":0.09308345864216487},{"text":"We only want a real estate holder as a small amount.","start":1491.39,"end":1493.79,"sentiment":"neutral","sentiment_score":0.07535354725339195},{"text":"But at the same time, if you're more comfortable being in and you prefer just to have everything in one place, you're fine to roll back.","start":1493.79,"end":1501.135,"sentiment":"neutral","sentiment_score":0.08049698288624103},{"text":"I mean, as I've kinda said before, you're not in any way, shape, or form held to stay in Hub twenty four or with us as your advisers.","start":1501.135,"end":1508.755,"sentiment":"neutral","sentiment_score":-0.005347087447132383},{"text":"If you kinda wanna roll things back and just wanna be in one place and prefer to go back to an industry fund, you absolutely can do.","start":1509.47,"end":1516.13,"sentiment":"neutral","sentiment_score":0.12252137506449665}],"sentiment":"neutral","sentiment_score":0.06694125925239763,"num_words":95,"start":1490.03,"end":1516.13},{"sentences":[{"text":"You just initiate the rollover.","start":1516.43,"end":1517.9501,"sentiment":"neutral","sentiment_score":0.10764829069375992},{"text":"Let us know that that's what you wanna do and that you plan to roll back.","start":1517.9501,"end":1521.885,"sentiment":"neutral","sentiment_score":0.10236657731002197},{"text":"We'll absolutely help you.","start":1521.885,"end":1523.2451,"sentiment":"positive","sentiment_score":0.5073394402861595},{"text":"It Yeah.","start":1523.2451,"end":1524.4651,"sentiment":"neutral","sentiment_score":0.05775423161685467},{"text":"Yeah.","start":1525.3251,"end":1525.8251,"sentiment":"neutral","sentiment_score":0.04198768734931946}],"sentiment":"neutral","sentiment_score":0.15582002150560065,"num_words":28,"start":1516.43,"end":1525.8251},{"sentences":[{"text":"Yeah.","start":1527.7251,"end":1528.2251,"sentiment":"neutral","sentiment_score":0.0921768918633461},{"text":"Mhmm.","start":1529.645,"end":1530.145,"sentiment":"neutral","sentiment_score":-0.01582184061408043},{"text":"You're right.","start":1545.26,"end":1546.0,"sentiment":"neutral","sentiment_score":0.08089771494269371},{"text":"Mhmm.","start":1556.175,"end":1556.675,"sentiment":"neutral","sentiment_score":-0.13796259462833405},{"text":"Yeah.","start":1561.615,"end":1562.115,"sentiment":"neutral","sentiment_score":-0.07262301445007324}],"sentiment":"neutral","sentiment_score":0.004594145342707634,"num_words":6,"start":1527.7251,"end":1562.115},{"sentences":[{"text":"Yeah.","start":1578.755,"end":1579.255,"sentiment":"neutral","sentiment_score":0.050649479031562805},{"text":"That's okay.","start":1582.275,"end":1583.1749,"sentiment":"neutral","sentiment_score":-0.11390535533428192},{"text":"Yeah.","start":1583.955,"end":1584.355,"sentiment":"neutral","sentiment_score":0.05954454094171524},{"text":"That's fine.","start":1584.355,"end":1585.1749,"sentiment":"neutral","sentiment_score":0.25788673013448715},{"text":"It's honestly okay.","start":1585.235,"end":1586.355,"sentiment":"positive","sentiment_score":0.40897775689760846}],"sentiment":"neutral","sentiment_score":0.18056556002961266,"num_words":9,"start":1578.755,"end":1586.355},{"sentences":[{"text":"It's not a problem at all.","start":1586.355,"end":1587.635,"sentiment":"positive","sentiment_score":0.44220836957295734},{"text":"I'm also just having a look at the from inception report.","start":1587.635,"end":1590.195,"sentiment":"neutral","sentiment_score":0.15158903192390094},{"text":"So you came on board here in 2023.","start":1590.195,"end":1592.4,"sentiment":"neutral","sentiment_score":0.14295547269284725},{"text":"You've almost been on essentially for three years there, and your portfolio over the last three years has returned a 29.13% return.","start":1592.4,"end":1601.6001,"sentiment":"neutral","sentiment_score":0.27206233821131964},{"text":"It's made about $69,000 in income plus growth as a dollar figure.","start":1601.6001,"end":1606.485,"sentiment":"neutral","sentiment_score":0.31046508873502415}],"sentiment":"neutral","sentiment_score":0.25720891280699587,"num_words":59,"start":1586.355,"end":1606.485},{"sentences":[{"text":"If I divide this twenty nine point one three by the three years, you've made an average of 9.71%.","start":1607.045,"end":1615.205,"sentiment":"neutral","sentiment_score":0.19784526801423022},{"text":"So whilst this one year, it is showing less than what the c bus fund has, you know, returned as a growth, as a growth performance on their website, when you kinda take that 29, 29.13% and divide that by the three years that you've now been on board, you've averaged about a 9.71, which is better than what they have done.","start":1615.205,"end":1638.4751,"sentiment":"neutral","sentiment_score":0.08114493201624175},{"text":"So when you look at it overall, the compounding effect, you've actually done better than what they're claiming to do.","start":1638.4751,"end":1643.515,"sentiment":"positive","sentiment_score":0.4894975110888481},{"text":"So I do in order to kind of break down what you do have and don't have, the statements or information they give us, they don't give us your balance from last year.","start":1643.515,"end":1653.64,"sentiment":"neutral","sentiment_score":0.006831139495426958},{"text":"So I'd have to go back to Ziva's, get your balance, work out what your fees are, and do the math around, obviously, what your growth rate was.","start":1653.64,"end":1661.6599,"sentiment":"neutral","sentiment_score":0.023208903780739223}],"sentiment":"neutral","sentiment_score":0.12033619923135323,"num_words":162,"start":1607.045,"end":1661.6599},{"sentences":[{"text":"Yeah.","start":1665.905,"end":1666.405,"sentiment":"neutral","sentiment_score":0.04912111908197403},{"text":"If you've got a state yeah.","start":1667.585,"end":1670.085,"sentiment":"neutral","sentiment_score":0.04971668776124716},{"text":"Yeah.","start":1673.4249,"end":1673.745,"sentiment":"neutral","sentiment_score":0.10387597978115082},{"text":"Absolutely.","start":1673.745,"end":1674.245,"sentiment":"neutral","sentiment_score":0.22396540641784668},{"text":"You can.","start":1674.465,"end":1674.945,"sentiment":"neutral","sentiment_score":0.19347576051950455}],"sentiment":"neutral","sentiment_score":0.09656492298976942,"num_words":11,"start":1665.905,"end":1674.945},{"sentences":[{"text":"That's not a problem at all.","start":1674.945,"end":1676.225,"sentiment":"neutral","sentiment_score":0.21398036430279413},{"text":"Yeah.","start":1676.225,"end":1676.625,"sentiment":"neutral","sentiment_score":0.15728041529655457},{"text":"They are a little bit picky giving up the information.","start":1676.625,"end":1678.6799,"sentiment":"neutral","sentiment_score":-0.07904371432960033},{"text":"We only have an authority to inquire, but I can go back and do the math for you.","start":1678.6799,"end":1683.1599,"sentiment":"neutral","sentiment_score":0.07614138329194652},{"text":"It's not a problem.","start":1683.1599,"end":1684.22,"sentiment":"neutral","sentiment_score":0.20586591586470604}],"sentiment":"neutral","sentiment_score":0.07294189796233788,"num_words":39,"start":1674.945,"end":1684.22},{"sentences":[{"text":"The difference being that we also yeah.","start":1684.84,"end":1688.7,"sentiment":"neutral","sentiment_score":0.18389893642493657},{"text":"That's okay.","start":1689.0,"end":1689.74,"sentiment":"neutral","sentiment_score":0.31340391933918},{"text":"That's okay.","start":1690.2799,"end":1690.965,"sentiment":"neutral","sentiment_score":0.007211529300548138},{"text":"Yeah.","start":1692.565,"end":1693.065,"sentiment":"neutral","sentiment_score":-0.09267647564411163},{"text":"No.","start":1705.41,"end":1705.91,"sentiment":"negative","sentiment_score":-0.41405925154685974}],"sentiment":"neutral","sentiment_score":0.10936828654331084,"num_words":13,"start":1684.84,"end":1705.91},{"sentences":[{"text":"Absolutely.","start":1707.1699,"end":1707.6699,"sentiment":"neutral","sentiment_score":-0.33026933670043945},{"text":"Absolutely.","start":1712.37,"end":1712.87,"sentiment":"neutral","sentiment_score":-0.2578037977218628},{"text":"Absolutely.","start":1713.8099,"end":1714.3099,"sentiment":"neutral","sentiment_score":-0.08194130659103394},{"text":"Yeah.","start":1714.85,"end":1715.09,"sentiment":"neutral","sentiment_score":0.015522852540016174},{"text":"And that's probably one of the biggest things that I would be wanting to bring up is that if by staying on board with us, it does mean that I do wanna review this with you.","start":1715.09,"end":1722.4851,"sentiment":"neutral","sentiment_score":0.04868836504303747}],"sentiment":"neutral","sentiment_score":0.02745723882690072,"num_words":40,"start":1707.1699,"end":1722.4851},{"sentences":[{"text":"You know, when we spoke last time, you wanted to be in that high growth environment, take on a bit more risk because you're not planning access super for about the next seven years.","start":1722.4851,"end":1731.53,"sentiment":"neutral","sentiment_score":-0.216859842705376},{"text":"However, I do not want you in that high growth environment for the next seven years when you are easily six years away.","start":1732.07,"end":1738.31,"sentiment":"negative","sentiment_score":-0.6057800443276115},{"text":"So next year, I'll probably wanna bring you down.","start":1738.31,"end":1740.55,"sentiment":"negative","sentiment_score":-0.5051000813643137},{"text":"And then from there on every year, start to reduce your risk level a little bit, sorry, by 10% as well and start to sort of bring it down gradually because I definitely do not want you to be in high growth the year before you retire and then have a big 20% drop and then be cementing that drop.","start":1740.55,"end":1757.285,"sentiment":"negative","sentiment_score":-0.3547308387855689},{"text":"That is not preferable, and I would hate myself if that happened to you.","start":1757.285,"end":1761.44,"sentiment":"negative","sentiment_score":-0.6923213473388127}],"sentiment":"negative","sentiment_score":-0.4059173256691013,"num_words":140,"start":1722.4851,"end":1761.44},{"sentences":[{"text":"You know, we all wanna retire as quickly as possible.","start":1762.38,"end":1765.12,"sentiment":"negative","sentiment_score":-0.35568036139011383},{"text":"Yeah.","start":1765.9,"end":1766.14,"sentiment":"neutral","sentiment_score":-0.0148784089833498},{"text":"Exactly.","start":1766.14,"end":1766.64,"sentiment":"neutral","sentiment_score":0.026905765756964684},{"text":"Exactly.","start":1766.86,"end":1767.36,"sentiment":"neutral","sentiment_score":0.03726994618773461},{"text":"So by having us here and having me as your adviser, I can be a little bit more you know, we're happy to take on that bit of risk now for you, but I do not want you to be in that for longer.","start":1767.5,"end":1777.6951,"sentiment":"neutral","sentiment_score":-0.157495989294892}],"sentiment":"neutral","sentiment_score":-0.18311104982307083,"num_words":57,"start":1762.38,"end":1777.6951},{"sentences":[{"text":"I definitely do wanna make sure we do a catch up in about six months with you, probably January, if not December before we go away for Christmas just to make sure things are working.","start":1778.155,"end":1787.755,"sentiment":"neutral","sentiment_score":0.0043960347771644604},{"text":"And if the market isn't performing well, if things aren't doing well, then I wanna make those changes again for you and keep it working harder because, realistically, your balance is a bit lower than where I would like it to be.","start":1787.755,"end":1799.81,"sentiment":"neutral","sentiment_score":-0.2259850606677078},{"text":"And, realistically, if you're gonna retire the next seven years, we wanna make sure you've got as much money as absolutely possible because you'll be 65.","start":1799.81,"end":1808.145,"sentiment":"neutral","sentiment_score":0.007975916664760847},{"text":"So, realistically, you wanna make sure you've got enough money to start drawing out the income you need as well as getting you longevity.","start":1808.145,"end":1815.605,"sentiment":"neutral","sentiment_score":0.19139413380374512},{"text":"And you're not eligible for age pension to age 67.","start":1816.2,"end":1819.58,"sentiment":"neutral","sentiment_score":-0.12315635904669761}],"sentiment":"neutral","sentiment_score":-0.042103955304644405,"num_words":137,"start":1778.155,"end":1819.58},{"sentences":[{"text":"So there is two years to keep as a bit of a buffer prior to accessing the age pension.","start":1819.64,"end":1824.46,"sentiment":"neutral","sentiment_score":0.0016769600149832275},{"text":"And then what I like to do with a lot of my retired clients is when we get to age 67, look at what you're eligible receive from Centrelink and draw back less out of super to supplement that so you have a bit of longevity and get some from the age pension as well as super as well.","start":1824.76,"end":1839.885,"sentiment":"neutral","sentiment_score":0.2905976191415625},{"text":"The other side of it is once you actually turn 60, depending on what you need, whether, you know, you feel income protection and TBD or whether you feel insurances are appropriate, a lot of my clients do decide at 60 they don't need those insurances anymore because if they are unable to work, they can access their super.","start":1840.585,"end":1858.82,"sentiment":"neutral","sentiment_score":0.05515017801643175},{"text":"So we can also look to consolidate from then on too.","start":1859.005,"end":1863.005,"sentiment":"neutral","sentiment_score":0.11581976169889624},{"text":"So only keep these insurances in place and save us until you no longer need them.","start":1863.005,"end":1867.1849,"sentiment":"neutral","sentiment_score":0.09507927217055112}],"sentiment":"neutral","sentiment_score":0.14162358540257938,"num_words":164,"start":1819.64,"end":1867.1849},{"sentences":[{"text":"Once those insurances are obsolete and you don't feel that they are suitable to keep anymore, that we can get rid of them, then we can consolidate everything into hub twenty four as well, have it all in one place, have one super fund working harder for you as well.","start":1867.245,"end":1881.3301,"sentiment":"neutral","sentiment_score":0.09453219010028988},{"text":"So that's also another option I'd like to look at for you if that helps.","start":1881.3301,"end":1888.0851,"sentiment":"neutral","sentiment_score":0.1226214125752449},{"text":"Yeah.","start":1889.8251,"end":1890.3251,"sentiment":"neutral","sentiment_score":0.025104135274887085},{"text":"That's okay.","start":1890.625,"end":1891.4451,"sentiment":"neutral","sentiment_score":0.10947542637586594},{"text":"That's okay.","start":1892.545,"end":1893.285,"sentiment":"neutral","sentiment_score":0.102161955088377}],"sentiment":"neutral","sentiment_score":0.10020442274066486,"num_words":70,"start":1867.245,"end":1893.285},{"sentences":[{"text":"Can yeah.","start":1893.425,"end":1896.165,"sentiment":"positive","sentiment_score":0.39406439661979675},{"text":"Can I show you one more thing before we go?","start":1896.7051,"end":1898.9451,"sentiment":"neutral","sentiment_score":0.07956184707581997},{"text":"Just a really important aspect of the fee structure.","start":1898.9451,"end":1902.0,"sentiment":"neutral","sentiment_score":0.08757190530498822},{"text":"Just on page 22, if you keep going down, we did talk before about the changes to make to your portfolio, and I did explain that your super fund does pay CDT or tax consequences as well.","start":1902.2999,"end":1915.2,"sentiment":"neutral","sentiment_score":0.10552475389999312},{"text":"So we do know by making the changes above, all the red and green that you saw, the CGT expectation is only 1,385.","start":1915.485,"end":1924.6849,"sentiment":"neutral","sentiment_score":0.1525524268331735}],"sentiment":"neutral","sentiment_score":0.12080266818772127,"num_words":81,"start":1893.425,"end":1924.6849},{"sentences":[{"text":"So to change and make changes to the portfolio, we expect your super fund to pay $1,385 in CGT.","start":1924.6849,"end":1932.57,"sentiment":"neutral","sentiment_score":0.1718309807934259},{"text":"It doesn't change the administration fees.","start":1933.51,"end":1935.59,"sentiment":"neutral","sentiment_score":0.1479396646221479},{"text":"They stay exactly the same, but the newer portfolio saves you $690 a year on investment fees.","start":1935.59,"end":1941.9099,"sentiment":"positive","sentiment_score":0.3486023676746032},{"text":"So it does make your investment fees a bit cheaper as well there, Jason.","start":1941.9099,"end":1944.985,"sentiment":"positive","sentiment_score":0.44005703393902096},{"text":"Okay.","start":1944.985,"end":1945.485,"sentiment":"neutral","sentiment_score":0.18160778284072876}],"sentiment":"neutral","sentiment_score":0.28808900230286416,"num_words":57,"start":1924.6849,"end":1945.485},{"sentences":[{"text":"Absolutely.","start":1949.385,"end":1949.885,"sentiment":"positive","sentiment_score":0.5430814623832703},{"text":"Saving fees, keeping more money in your super compounding for you is a really good idea.","start":1950.345,"end":1955.245,"sentiment":"positive","sentiment_score":0.746147520840168},{"text":"It does work out better for yourself.","start":1955.705,"end":1957.64,"sentiment":"positive","sentiment_score":0.639260607106345},{"text":"The CGT does mean that setting $100 is deducted for the tax side of things.","start":1958.02,"end":1963.62,"sentiment":"neutral","sentiment_score":0.21534789701302845},{"text":"But overall, when you consider that, it's a one off CGT consequence of setting $100.","start":1963.62,"end":1968.52,"sentiment":"neutral","sentiment_score":0.15890955030918122}],"sentiment":"positive","sentiment_score":0.41796532880376885,"num_words":54,"start":1949.385,"end":1968.52},{"sentences":[{"text":"Whereas if you're then saving $690 on investment fees and you compound that or, you know, that over the next seven years is about $44,800 in fees that you've saved if it stays the same way.","start":1968.915,"end":1983.7001,"sentiment":"neutral","sentiment_score":0.26129427345262635},{"text":"So that can make a much greater a difference for you.","start":1983.7001,"end":1987.78,"sentiment":"positive","sentiment_score":0.6543292917988517},{"text":"And the newer portfolios had a higher past performance as well.","start":1987.78,"end":1991.7001,"sentiment":"positive","sentiment_score":0.4644190018827265},{"text":"So when we look at that moving forward, it can obviously provide greater future performance, which is what we also wanna see.","start":1991.7001,"end":1998.895,"sentiment":"positive","sentiment_score":0.5022407526319678},{"text":"Okay.","start":1998.895,"end":1999.395,"sentiment":"neutral","sentiment_score":0.2378627210855484}],"sentiment":"positive","sentiment_score":0.40740721424420673,"num_words":81,"start":1968.915,"end":1999.395},{"sentences":[{"text":"Yeah.","start":2001.615,"end":2002.115,"sentiment":"positive","sentiment_score":0.4429552555084229},{"text":"Beautiful.","start":2002.255,"end":2002.755,"sentiment":"positive","sentiment_score":0.5669340491294861},{"text":"It does sort of show on yeah.","start":2002.815,"end":2005.9349,"sentiment":"neutral","sentiment_score":0.13640124457223074},{"text":"On the very last page, if you're comfortable to if you wanna take it back and read it over before you sign it, you absolutely can.","start":2005.9349,"end":2012.55,"sentiment":"neutral","sentiment_score":0.14245078941950431},{"text":"I don't ever want you to sign anything you're not comfortable signing.","start":2012.55,"end":2015.3701,"sentiment":"neutral","sentiment_score":-0.0803944335008661}],"sentiment":"neutral","sentiment_score":0.10007841147957965,"num_words":47,"start":2001.615,"end":2015.3701},{"sentences":[{"text":"So if you wanna take some time, read it over, and let me know if there's any questions you're allowed to.","start":2016.39,"end":2020.9701,"sentiment":"neutral","sentiment_score":0.06826370661812169},{"text":"Alternatively, if you decide you wanna sign it, I can always email it back to you so you've got it as a copy as well.","start":2021.27,"end":2026.975,"sentiment":"neutral","sentiment_score":0.1306133708357811},{"text":"It's up to you how you would like to proceed.","start":2026.975,"end":2029.235,"sentiment":"neutral","sentiment_score":0.09908113926649094},{"text":"Yeah.","start":2035.855,"end":2036.355,"sentiment":"neutral","sentiment_score":0.008414477109909058},{"text":"Yeah.","start":2040.8949,"end":2041.215,"sentiment":"neutral","sentiment_score":0.05020090565085411}],"sentiment":"neutral","sentiment_score":0.09910860147070268,"num_words":58,"start":2016.39,"end":2041.215},{"sentences":[{"text":"That's fine.","start":2041.215,"end":2042.2,"sentiment":"neutral","sentiment_score":0.08471103385090828},{"text":"That's absolutely fine.","start":2051.06,"end":2052.42,"sentiment":"neutral","sentiment_score":0.23248371481895447},{"text":"Yeah.","start":2052.42,"end":2052.74,"sentiment":"neutral","sentiment_score":0.13149935007095337},{"text":"Definitely.","start":2052.74,"end":2053.24,"sentiment":"neutral","sentiment_score":0.14006105065345764},{"text":"They're bankers, are they?","start":2053.46,"end":2054.66,"sentiment":"neutral","sentiment_score":0.02527844300493598}],"sentiment":"neutral","sentiment_score":0.11268612590025771,"num_words":11,"start":2041.215,"end":2054.66},{"sentences":[{"text":"They work in a bank?","start":2054.66,"end":2059.315,"sentiment":"neutral","sentiment_score":0.0011086537968367338},{"text":"Yeah.","start":2060.495,"end":2060.995,"sentiment":"neutral","sentiment_score":0.009228594601154327},{"text":"Yeah.","start":2062.495,"end":2062.895,"sentiment":"neutral","sentiment_score":0.004560043103992939},{"text":"Right.","start":2062.895,"end":2063.395,"sentiment":"neutral","sentiment_score":0.005040930118411779},{"text":"Yeah.","start":2067.455,"end":2067.855,"sentiment":"neutral","sentiment_score":0.0106256864964962}],"sentiment":"neutral","sentiment_score":0.0038887248115821015,"num_words":9,"start":2054.66,"end":2067.855},{"sentences":[{"text":"Right.","start":2067.855,"end":2068.08,"sentiment":"neutral","sentiment_score":-0.003706446383148432},{"text":"Yeah.","start":2070.96,"end":2071.2002,"sentiment":"neutral","sentiment_score":-0.01463652402162552},{"text":"Right.","start":2071.2002,"end":2071.7002,"sentiment":"neutral","sentiment_score":-0.010068596340715883},{"text":"Yeah.","start":2076.4001,"end":2076.9001,"sentiment":"neutral","sentiment_score":-0.04252901673316955},{"text":"Oh, good.","start":2084.355,"end":2084.755,"sentiment":"neutral","sentiment_score":0.13285476341843605}],"sentiment":"neutral","sentiment_score":0.03246149055970212,"num_words":6,"start":2067.855,"end":2084.755},{"sentences":[{"text":"He's in lending.","start":2084.755,"end":2085.735,"sentiment":"neutral","sentiment_score":0.07508530716101329},{"text":"Yeah.","start":2085.875,"end":2086.375,"sentiment":"neutral","sentiment_score":0.05155700445175171},{"text":"Yeah.","start":2086.515,"end":2087.015,"sentiment":"neutral","sentiment_score":0.03872255235910416},{"text":"Yeah.","start":2088.995,"end":2089.495,"sentiment":"neutral","sentiment_score":0.04239186644554138},{"text":"Yeah.","start":2100.45,"end":2100.7698,"sentiment":"neutral","sentiment_score":0.055448152124881744}],"sentiment":"neutral","sentiment_score":0.05905364240918841,"num_words":7,"start":2084.755,"end":2100.7698},{"sentences":[{"text":"No.","start":2100.7698,"end":2100.93,"sentiment":"neutral","sentiment_score":-0.13042640686035156},{"text":"That's absolutely fine.","start":2100.93,"end":2102.3098,"sentiment":"neutral","sentiment_score":-0.28250961005687714},{"text":"Yeah.","start":2103.97,"end":2104.2898,"sentiment":"neutral","sentiment_score":-0.14086797833442688},{"text":"No.","start":2104.2898,"end":2104.7898,"sentiment":"neutral","sentiment_score":-0.1974974274635315},{"text":"Absolutely fine.","start":2105.17,"end":2106.21,"sentiment":"neutral","sentiment_score":0.0361802875995636}],"sentiment":"neutral","sentiment_score":-0.15549500845372677,"num_words":8,"start":2100.7698,"end":2106.21},{"sentences":[{"text":"That's not a problem at all.","start":2106.21,"end":2107.3298,"sentiment":"neutral","sentiment_score":0.2913414140542348},{"text":"If there are any questions, you're welcome to let me know.","start":2107.3298,"end":2109.735,"sentiment":"neutral","sentiment_score":0.24492236159064554},{"text":"Yeah.","start":2110.695,"end":2111.0952,"sentiment":"neutral","sentiment_score":0.09157317131757736},{"text":"Once you kind of have had a read through it, I would sort of say if you wanted to make these changes, try to make them as soon as possible.","start":2111.0952,"end":2117.415,"sentiment":"neutral","sentiment_score":0.015498044341802597},{"text":"So the longer we wait, obviously, the the longer it can take to have those changes, and it can affect your performance side of things.","start":2117.415,"end":2123.495,"sentiment":"neutral","sentiment_score":-0.05730279691517353}],"sentiment":"neutral","sentiment_score":0.04885121973307982,"num_words":73,"start":2106.21,"end":2123.495},{"sentences":[{"text":"So but let me know if there's any questions you have.","start":2123.495,"end":2125.75,"sentiment":"neutral","sentiment_score":0.10491083291443912},{"text":"I'm always happy to answer them.","start":2125.75,"end":2126.95,"sentiment":"positive","sentiment_score":0.3903175989786784},{"text":"Did you want me to go back and just have a look at the c bus and get that additional growth rate for you, or you're happy just to leave it for the moment?","start":2126.95,"end":2133.6099,"sentiment":"neutral","sentiment_score":-0.023728020653566894},{"text":"No.","start":2134.0698,"end":2134.3098,"sentiment":"neutral","sentiment_score":-0.17349502444267273},{"text":"That's okay.","start":2134.3098,"end":2135.13,"sentiment":"neutral","sentiment_score":-0.12006157636642456}],"sentiment":"neutral","sentiment_score":0.04213988660248341,"num_words":54,"start":2123.495,"end":2135.13},{"sentences":[{"text":"Yeah.","start":2136.0698,"end":2136.5698,"sentiment":"neutral","sentiment_score":-0.18349634110927585},{"text":"Yeah.","start":2142.865,"end":2143.2651,"sentiment":"neutral","sentiment_score":-0.01598348282277584},{"text":"That's exactly what they do.","start":2143.2651,"end":2144.625,"sentiment":"neutral","sentiment_score":-0.014473520312458276},{"text":"Whereas I'm not licensed to any particular fund.","start":2144.625,"end":2147.345,"sentiment":"neutral","sentiment_score":-0.1352079901844263},{"text":"Everything I do has to be in your best interest.","start":2147.345,"end":2149.745,"sentiment":"neutral","sentiment_score":0.06349638774991036}],"sentiment":"neutral","sentiment_score":-0.028741898778826,"num_words":25,"start":2136.0698,"end":2149.745},{"sentences":[{"text":"That's why I outlined the best interest, Judy, the advantages, the disadvantages, the risks involved.","start":2149.745,"end":2154.79,"sentiment":"neutral","sentiment_score":0.1331978425383568},{"text":"And as I said, I'm very open and upfront with everything.","start":2154.85,"end":2157.8901,"sentiment":"neutral","sentiment_score":0.3096127306873148},{"text":"I'll give you the returns on the station, and you get to decide what you wanna do moving forward.","start":2157.8901,"end":2163.09,"sentiment":"neutral","sentiment_score":0.31278930800525767},{"text":"I don't want you to feel pressured into anything you're not comfortable doing.","start":2163.09,"end":2166.355,"sentiment":"neutral","sentiment_score":-0.1618807901843236},{"text":"Okay?","start":2166.415,"end":2166.915,"sentiment":"neutral","sentiment_score":0.08577358722686768}],"sentiment":"neutral","sentiment_score":0.15810216682315884,"num_words":59,"start":2149.745,"end":2166.915},{"sentences":[{"text":"Easy.","start":2168.895,"end":2169.395,"sentiment":"neutral","sentiment_score":0.3026306629180908},{"text":"Thanks.","start":2170.175,"end":2170.675,"sentiment":"positive","sentiment_score":0.5984530448913574},{"text":"My pleasure.","start":2170.7349,"end":2171.455,"sentiment":"positive","sentiment_score":0.43274669349193573},{"text":"You have a great night.","start":2171.455,"end":2172.755,"sentiment":"positive","sentiment_score":0.5452532649040223},{"text":"Will do.","start":2174.015,"end":2175.075,"sentiment":"neutral","sentiment_score":0.32895973324775696}],"sentiment":"positive","sentiment_score":0.4682511714371768,"num_words":11,"start":2168.895,"end":2175.075},{"sentences":[{"text":"You have a good yep.","start":2175.935,"end":2178.6,"sentiment":"neutral","sentiment_score":-0.006900208070874214},{"text":"Yep.","start":2179.94,"end":2180.44,"sentiment":"neutral","sentiment_score":0.05804837495088577},{"text":"I will.","start":2180.9,"end":2181.72,"sentiment":"neutral","sentiment_score":0.11503035202622414},{"text":"I'll give you a buzz.","start":2182.26,"end":2183.48,"sentiment":"neutral","sentiment_score":0.15246712267398835},{"text":"Absolutely.","start":2184.42,"end":2184.92,"sentiment":"positive","sentiment_score":0.5229784250259399}],"sentiment":"neutral","sentiment_score":0.10992300550320319,"num_words":14,"start":2175.935,"end":2184.92},{"sentences":[{"text":"My pleasure, Jason.","start":2186.74,"end":2187.7,"sentiment":"positive","sentiment_score":0.6484503149986267},{"text":"Thank you for taking my call.","start":2187.7,"end":2188.98,"sentiment":"positive","sentiment_score":0.6094497938950857},{"text":"You have a great evening.","start":2188.98,"end":2190.1,"sentiment":"positive","sentiment_score":0.6074957311153412},{"text":"See you later.","start":2190.1,"end":2190.92,"sentiment":"positive","sentiment_score":0.5244290431340536}],"sentiment":"positive","sentiment_score":0.6007538525497212,"num_words":17,"start":2186.74,"end":2190.92}]}}]},{"alternatives":[{"transcript":"Hi. Called your name and reason for calling. I'll see if this person is available. Thanks. Please stay on the line. Justin speaking. Hi. Hey. Good, man. How are you? Yeah. That's fine, man. How long is this thing gonna take? Right. Yeah. That's fine. Yep. Yeah. Pretty good. Bit slower with work at the moment. So so I was a bit stressful and, you know, less money. Alright. Yeah. Sure. Jason William Hale. '19 September. 2 Slash 75 Murphy Road, Surmea. Did you send them today? Or Alright. Hang on a second. Yes. Signature request. Does it say sign document? Is that what you mean? Yeah. Text three. Alright. Hello? K. Two. Okay. Yeah. That's about it. Yes. Well, you can take I'm just looking at the assets and liabilities. Maybe you take that rice horses down a bit. I've got rid of some of those, and I've only got two left now. It's probably a 100,000 there instead of 200,000. Well, she had a she had a she's had a first preparation, so you don't really have a race. Right? You just she's won a trial, and she's done alright, but because she's just a baby, you don't wanna kill her. So, yeah, so I I asked about insurance on that horse, and they said about $100. So drop that down a bit because I got rid of the others. I kind of you know, not all wealthy course owners. My property is be up another $200, though, because I just got it evaluated, so that'd be 9 50. The cars the cars are probably the same or maybe, you know, they're getting older, so maybe a bit less. So take $5 off that. The gold top has gone up to 20, so that's good. The rest is probably the same. I mean, I don't I'm not really sure that I would actually have 50 grands worth of contents, but it yeah. Yeah. That's probably right. But yeah. So if you wanna make those adjustments, I don't know what that's not gonna really make any difference to anything, I suppose. Yeah. Yeah. Sure. It's not match, is it? Yeah. Go ahead. Yes. Right. Yep. So Yes. Yep. Okay. Yeah. Well, I'll obviously be paying it's about what I pay in Superhour with my wages, it's it's not a lot, but it's about 1,000 about 1,500 a quarter, I suppose. So Yeah. You have to, man. Yeah. Well, they have to you have to do that now when you pay wages. Sorry. Yeah. Sure. Okay. Yeah. I'll get on that. I'm just a little bit short at the moment. It's a business, so I need to get some more money in the business. Yeah. Yeah. So I'm reading that now. Yeah. Yeah. Mhmm. What's what's my north consideration considered moving as to close into my north or separately manage? Yes. Not worth it. Mhmm. So we're on page 19. There's a lot of red a lot of red numbers there, mate. What's going on with them? Yeah. Good. Sure. Okay. Yep. Yeah. Good. Yep. Okay. So what if I was to say to you, you know, what have you done in the last twelve months? Yeah. How much money have you made for me? That's a question, isn't it? Because I know you guys might charge fees and everything. And I think I when I started, it was $4.5 or something to start up with you. So no one's actually told me or informed me of, yeah, I don't know how my soup is going in fact. Yes. So that's what I wouldn't mind knowing. Yeah. Yes. Sure. I mean, yeah, what I wonder or ask is, you know, when Cbus or some of them say, oh, we can make it 9%. Yeah. Should I just have my money in another place, like, four I know we've had a lot of drama, but, you know, what's bank interest at the moment? Five? Yes. Yeah. Right. Because. I mean, I suppose as short of it is, I just wanna be the best possible outcome I can have because, you know, I'm getting older by the day like everyone else. And, yeah. Well, can you can't you look at what I've had in c bus and go, well, you had this at the start and now you've got this. So here's your percentage. Yeah. I under I understand that because you thought you're upfront right from the start that I could do that anytime. But I suppose, you know, I've I'm trust and trust in you guys who will go better than what C plus are claiming. So, you know, if you yeah. I'm a I used to be a bookmaker. I've worked with a bookmaker. So it basically got this side of the ledger and that side. It's basic maths. Right? I mean, I'm not I don't understand every share that you're investing in and all that list on the page. I don't I don't even know what half of those are. But yeah. You know what I mean? All I want at the end of the day is, you know, will I be better off staying with you guys for another twelve months, or am I gonna be better off going back to see Bus two? I mean, I trust them because I'm a tradie. Do you know what I mean? So that's how it is. That's that's the short of it. So Yeah. Oh, that's great. Sure. But I'd be able to would that be easier for me to do? Seeing, you know, surely, as a member, I can ring up and say, look. I need these details from my accountant or something like that. Yeah. What you've told me there is is pretty good. I'm happy with that. I understand it goes up and down and, you know, you can't. But the thing is you don't wanna say, well, I'm gonna be retiring in two years. Well, I mean, you'd like to say that, but, yeah, you don't wanna go the year before and then lose all your money because of the global financial crisis or some some drama that Trump's done. You know what I mean? Yeah. No. Well, everyone's gonna be grumpy. Yes. Yes. Right. Yep. Perfect. Alright. Okay. Well, I I don't wanna cut it short, but I do have to go. But everything you told me has been fine. I'm happy with that. Yes. Sure. So you think that's the best thing to do? Yeah. Yes. Yes. Okay. Sure. Yep. Yep. Good. So, yeah, I made a sign something. Sign this. Okay. I might I might just yeah. I told you that I've got a couple of mates that are bankers. I wouldn't mind them just reading through this information before I sign it. And, I mean, if they come up with any yeah. What are you yeah. Ask about this or that, then I can get back to you and ask you those questions. Right? Yeah. Well, one of them is a a close friend. We call him the bank whore because he's worked at every bank, but now he's working at the government. So he's not working at a bank anymore, but he's worked, like, six different banks, and he's, yeah, he's the same age as me. And now he's got a cushy government job where he just rings up the farmers and tells them they can't have that loan. Yeah. Basically, government lending for and then, yeah, twelve months, he did that, and then he was doing, like, fishery licensing and yeah. So he's got a pretty good gig with the government now because you can never get sacked from the government. Right? It's pretty hard to okay. Sure. Yeah. Yeah. Yeah. Yeah. No. I don't think so, mate. I I understand. Yeah. I wouldn't bother. I mean, yeah, they're they're only gonna try and sell themselves anyway. Right? So yeah. Yeah. No. That's perfect. Righto. Okay. Thanks, mate. Take it easy, Donna. I'll talk to you soon. If if you haven't heard from me, just shoot me another email and say hurry up or something like that. Right? Because I've got a bit going on. Alright. Thank you very much for your time. See you. Bye. Bye.","confidence":0.98950195,"words":[{"word":"hi","start":0.08,"end":0.48,"confidence":0.7739258,"punctuated_word":"Hi.","sentiment":"neutral","sentiment_score":0.04066742956638336},{"word":"called","start":0.48,"end":0.71999997,"confidence":0.45239258,"punctuated_word":"Called","sentiment":"neutral","sentiment_score":0.026924392208456993},{"word":"your","start":0.71999997,"end":0.96,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.029095690697431564},{"word":"name","start":0.96,"end":1.28,"confidence":1.0,"punctuated_word":"name","sentiment":"neutral","sentiment_score":0.030699146911501884},{"word":"and","start":1.28,"end":1.52,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.040255364030599594},{"word":"reason","start":1.52,"end":1.8399999,"confidence":0.99902344,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":0.033778972923755646},{"word":"for","start":1.8399999,"end":2.08,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06000874936580658},{"word":"calling","start":2.08,"end":2.58,"confidence":0.94750977,"punctuated_word":"calling.","sentiment":"neutral","sentiment_score":0.0489761158823967},{"word":"i'll","start":2.8,"end":3.04,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.038731709122657776},{"word":"see","start":3.04,"end":3.28,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.039392344653606415},{"word":"if","start":3.28,"end":3.4399998,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03547012060880661},{"word":"this","start":3.4399998,"end":3.6799998,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.03375963866710663},{"word":"person","start":3.6799998,"end":4.08,"confidence":1.0,"punctuated_word":"person","sentiment":"neutral","sentiment_score":0.030529793351888657},{"word":"is","start":4.08,"end":4.24,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.029131457209587097},{"word":"available","start":4.24,"end":4.74,"confidence":1.0,"punctuated_word":"available.","sentiment":"neutral","sentiment_score":0.037835389375686646},{"word":"thanks","start":14.16,"end":14.66,"confidence":0.99902344,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.3528609871864319},{"word":"please","start":15.1449995,"end":15.465,"confidence":1.0,"punctuated_word":"Please","sentiment":"neutral","sentiment_score":0.21034669876098633},{"word":"stay","start":15.465,"end":15.705,"confidence":1.0,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":0.14481550455093384},{"word":"on","start":15.705,"end":15.865,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.16204307973384857},{"word":"the","start":15.865,"end":16.025,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16396594047546387},{"word":"line","start":16.025,"end":16.525,"confidence":1.0,"punctuated_word":"line.","sentiment":"neutral","sentiment_score":0.21885958313941956},{"word":"justin","start":31.41,"end":31.810001,"confidence":0.36010742,"punctuated_word":"Justin","sentiment":"neutral","sentiment_score":0.05631496384739876},{"word":"speaking","start":31.810001,"end":32.31,"confidence":0.9880371,"punctuated_word":"speaking.","sentiment":"neutral","sentiment_score":0.06306251883506775},{"word":"hi","start":33.41,"end":33.91,"confidence":0.9543457,"punctuated_word":"Hi.","sentiment":"neutral","sentiment_score":0.13183778524398804},{"word":"hey","start":37.41,"end":37.73,"confidence":0.98217773,"punctuated_word":"Hey.","sentiment":"neutral","sentiment_score":0.2057829052209854},{"word":"good","start":37.73,"end":37.89,"confidence":0.8811035,"punctuated_word":"Good,","sentiment":"positive","sentiment_score":0.35139596462249756},{"word":"man","start":37.89,"end":38.21,"confidence":0.9667969,"punctuated_word":"man.","sentiment":"positive","sentiment_score":0.33854907751083374},{"word":"how","start":38.21,"end":38.45,"confidence":0.99316406,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.2583469748497009},{"word":"are","start":38.45,"end":38.7,"confidence":0.8701172,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2829260528087616},{"word":"you","start":38.7,"end":39.2,"confidence":0.9926758,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.3134302794933319},{"word":"yeah","start":46.235,"end":46.475,"confidence":0.98339844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16232603788375854},{"word":"that's","start":46.475,"end":46.795,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.24778404831886292},{"word":"fine","start":46.795,"end":47.035,"confidence":0.7680664,"punctuated_word":"fine,","sentiment":"neutral","sentiment_score":0.23171839118003845},{"word":"man","start":47.035,"end":47.535,"confidence":0.9758301,"punctuated_word":"man.","sentiment":"neutral","sentiment_score":0.29530858993530273},{"word":"how","start":48.155,"end":48.395,"confidence":0.4555664,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.08829672634601593},{"word":"long","start":48.395,"end":48.715,"confidence":0.99902344,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.10618586093187332},{"word":"is","start":48.715,"end":48.795,"confidence":0.39941406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05977503210306168},{"word":"this","start":48.795,"end":49.035,"confidence":0.42993164,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.14582999050617218},{"word":"thing","start":49.035,"end":49.195,"confidence":0.69921875,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.12315790355205536},{"word":"gonna","start":49.195,"end":49.515,"confidence":0.44433594,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.08258388936519623},{"word":"take","start":49.515,"end":50.015,"confidence":0.9790039,"punctuated_word":"take?","sentiment":"neutral","sentiment_score":0.07995034754276276},{"word":"right","start":63.989998,"end":64.49,"confidence":0.83691406,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.1003631055355072},{"word":"yeah","start":69.03,"end":69.27,"confidence":0.9890137,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10946214944124222},{"word":"that's","start":69.27,"end":69.59,"confidence":0.9970703,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1503438949584961},{"word":"fine","start":69.59,"end":70.07,"confidence":0.9975586,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.16157294809818268},{"word":"yep","start":70.07,"end":70.57,"confidence":0.76660156,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17387166619300842},{"word":"yeah","start":73.935,"end":74.174995,"confidence":0.91503906,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16476930677890778},{"word":"pretty","start":74.174995,"end":74.494995,"confidence":0.9941406,"punctuated_word":"Pretty","sentiment":"neutral","sentiment_score":0.28249481320381165},{"word":"good","start":74.494995,"end":74.994995,"confidence":0.9970703,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2278276085853577},{"word":"bit","start":76.095,"end":76.335,"confidence":0.2944336,"punctuated_word":"Bit","sentiment":"neutral","sentiment_score":-0.13777533173561096},{"word":"slower","start":76.335,"end":76.835,"confidence":0.77246094,"punctuated_word":"slower","sentiment":"neutral","sentiment_score":-0.12002250552177428},{"word":"with","start":76.895,"end":77.134995,"confidence":0.8535156,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.15135358273983002},{"word":"work","start":77.134995,"end":77.375,"confidence":0.99902344,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.13435925543308258},{"word":"at","start":77.375,"end":77.615,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.17210592329502106},{"word":"the","start":77.615,"end":77.695,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11562414467334747},{"word":"moment","start":77.695,"end":78.174995,"confidence":0.74523926,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.10047350823879242},{"word":"so","start":78.174995,"end":78.674995,"confidence":0.9760742,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1020757257938385},{"word":"so","start":79.854996,"end":80.095,"confidence":0.42211914,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.17926843464374542},{"word":"i","start":80.095,"end":80.255,"confidence":0.45385742,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.24845390021800995},{"word":"was","start":80.255,"end":80.415,"confidence":0.9589844,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.22699983417987823},{"word":"a","start":80.415,"end":80.494995,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2320873737335205},{"word":"bit","start":80.494995,"end":80.735,"confidence":0.9951172,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.21499457955360413},{"word":"stressful","start":80.735,"end":81.235,"confidence":0.984375,"punctuated_word":"stressful","sentiment":"neutral","sentiment_score":-0.1871861070394516},{"word":"and","start":81.375,"end":81.534996,"confidence":0.61499023,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":-0.24917057156562805},{"word":"you","start":81.534996,"end":81.695,"confidence":0.5527344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.22108455002307892},{"word":"know","start":81.695,"end":81.935,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.21635675430297852},{"word":"less","start":81.935,"end":82.174995,"confidence":0.984375,"punctuated_word":"less","sentiment":"neutral","sentiment_score":-0.22053983807563785},{"word":"money","start":82.174995,"end":82.674995,"confidence":0.99902344,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":-0.26036179065704346},{"word":"alright","start":84.095,"end":84.595,"confidence":0.9472656,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":-0.0029720913153141737},{"word":"yeah","start":84.814995,"end":85.314995,"confidence":0.99121094,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0009669959545135498},{"word":"sure","start":94.22,"end":94.72,"confidence":0.98657227,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.18332311511039737},{"word":"jason","start":103.685,"end":104.185,"confidence":0.81640625,"punctuated_word":"Jason","sentiment":"neutral","sentiment_score":0.12106278538703918},{"word":"william","start":104.244995,"end":104.744995,"confidence":0.99609375,"punctuated_word":"William","sentiment":"neutral","sentiment_score":0.014039624482393265},{"word":"hale","start":104.805,"end":105.305,"confidence":0.79418945,"punctuated_word":"Hale.","sentiment":"neutral","sentiment_score":0.016568725928664207},{"word":"'19","start":105.604996,"end":106.104996,"confidence":0.9921875,"punctuated_word":"'19","sentiment":"neutral","sentiment_score":0.0103261424228549},{"word":"september","start":106.244995,"end":107.704994,"confidence":0.9776204,"punctuated_word":"September.","sentiment":"neutral","sentiment_score":0.013554639182984827},{"word":"2","start":108.725,"end":109.045,"confidence":0.9482422,"punctuated_word":"2","sentiment":"neutral","sentiment_score":0.007840325124561787},{"word":"slash","start":109.045,"end":109.524994,"confidence":0.6855469,"punctuated_word":"Slash","sentiment":"neutral","sentiment_score":0.010250301100313663},{"word":"75","start":109.524994,"end":110.325,"confidence":0.99853516,"punctuated_word":"75","sentiment":"neutral","sentiment_score":0.01378166489303112},{"word":"murphy","start":110.325,"end":110.80499,"confidence":0.9921875,"punctuated_word":"Murphy","sentiment":"neutral","sentiment_score":0.01804823987185955},{"word":"road","start":110.80499,"end":111.30499,"confidence":0.9875488,"punctuated_word":"Road,","sentiment":"neutral","sentiment_score":0.01809730753302574},{"word":"surmea","start":111.445,"end":111.945,"confidence":0.5280762,"punctuated_word":"Surmea.","sentiment":"neutral","sentiment_score":0.05285077542066574},{"word":"did","start":123.909996,"end":124.15,"confidence":0.88427734,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.030581673607230183},{"word":"you","start":124.15,"end":124.39,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.026711970567703247},{"word":"send","start":124.39,"end":124.71,"confidence":0.99902344,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.02385541796684265},{"word":"them","start":124.71,"end":124.869995,"confidence":0.9716797,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.02343824133276939},{"word":"today","start":124.869995,"end":125.35,"confidence":0.91625977,"punctuated_word":"today?","sentiment":"neutral","sentiment_score":0.018847960978746418},{"word":"or","start":125.35,"end":125.85,"confidence":0.5185547,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.017559988424181938},{"word":"alright","start":129.105,"end":129.585,"confidence":0.9880371,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.02845894545316696},{"word":"hang","start":129.585,"end":129.71834,"confidence":0.93115234,"punctuated_word":"Hang","sentiment":"neutral","sentiment_score":0.02743681892752647},{"word":"on","start":129.71834,"end":129.85167,"confidence":0.8852539,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04435991123318672},{"word":"a","start":129.85167,"end":129.985,"confidence":0.9560547,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.029836077243089676},{"word":"second","start":129.985,"end":130.485,"confidence":0.99853516,"punctuated_word":"second.","sentiment":"neutral","sentiment_score":0.040245432406663895},{"word":"yes","start":139.745,"end":140.145,"confidence":0.8894043,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.11402608454227448},{"word":"signature","start":140.145,"end":140.645,"confidence":0.99609375,"punctuated_word":"Signature","sentiment":"neutral","sentiment_score":0.05885237082839012},{"word":"request","start":140.865,"end":141.365,"confidence":0.9975586,"punctuated_word":"request.","sentiment":"neutral","sentiment_score":0.08137000352144241},{"word":"does","start":150.23,"end":150.39,"confidence":0.95166016,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.03093019500374794},{"word":"it","start":150.39,"end":150.55,"confidence":0.99121094,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.040859781205654144},{"word":"say","start":150.55,"end":151.05,"confidence":0.9980469,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.03788525611162186},{"word":"sign","start":151.11,"end":151.51,"confidence":0.7104492,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.04946700483560562},{"word":"document","start":151.51,"end":152.01,"confidence":0.98999023,"punctuated_word":"document?","sentiment":"neutral","sentiment_score":0.03583483397960663},{"word":"is","start":152.47,"end":152.55,"confidence":0.99316406,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.03338078409433365},{"word":"that","start":152.55,"end":152.79,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06111520528793335},{"word":"what","start":152.79,"end":153.03,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.057491712272167206},{"word":"you","start":153.03,"end":153.19,"confidence":0.98535156,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.058117952197790146},{"word":"mean","start":153.19,"end":153.69,"confidence":0.9511719,"punctuated_word":"mean?","sentiment":"neutral","sentiment_score":0.0646541640162468},{"word":"yeah","start":153.75,"end":154.245,"confidence":0.9584961,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12243683636188508},{"word":"text","start":165.525,"end":166.025,"confidence":0.45629883,"punctuated_word":"Text","sentiment":"neutral","sentiment_score":0.2333769798278809},{"word":"three","start":166.165,"end":166.53,"confidence":0.72558594,"punctuated_word":"three.","sentiment":"neutral","sentiment_score":0.20171993970870972},{"word":"alright","start":191.47499,"end":191.97499,"confidence":0.88720703,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.1709211766719818},{"word":"hello","start":240.235,"end":240.735,"confidence":0.86279297,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":0.08089374005794525},{"word":"k","start":254.75,"end":255.25,"confidence":0.7344971,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.04871517792344093},{"word":"two","start":287.79,"end":288.29,"confidence":0.8894043,"punctuated_word":"Two.","sentiment":"neutral","sentiment_score":0.1546514481306076},{"word":"okay","start":303.795,"end":304.295,"confidence":0.95458984,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.014656705781817436},{"word":"yeah","start":312.62,"end":313.02,"confidence":0.98168945,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.021068859845399857},{"word":"that's","start":313.02,"end":313.52,"confidence":0.98999023,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.02359446696937084},{"word":"about","start":313.66,"end":313.97998,"confidence":0.70214844,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.005763102322816849},{"word":"it","start":313.97998,"end":314.22,"confidence":0.99560547,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.022034773603081703},{"word":"yes","start":314.22,"end":314.72,"confidence":0.9975586,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.07234355807304382},{"word":"well","start":342.095,"end":342.415,"confidence":0.9423828,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.019145846366882324},{"word":"you","start":342.415,"end":342.655,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.013242343440651894},{"word":"can","start":342.655,"end":342.975,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.015971653163433075},{"word":"take","start":342.975,"end":343.475,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.008442316204309464},{"word":"i'm","start":344.015,"end":344.33502,"confidence":0.8876953,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0183968972414732},{"word":"just","start":344.33502,"end":344.655,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03043617680668831},{"word":"looking","start":344.655,"end":344.975,"confidence":0.9970703,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.02449701353907585},{"word":"at","start":344.975,"end":345.135,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.013767413794994354},{"word":"the","start":345.135,"end":345.375,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01570751890540123},{"word":"assets","start":345.375,"end":345.77502,"confidence":0.9980469,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.007225792855024338},{"word":"and","start":345.77502,"end":346.095,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.014489434659481049},{"word":"liabilities","start":346.095,"end":346.595,"confidence":0.99365234,"punctuated_word":"liabilities.","sentiment":"neutral","sentiment_score":0.01645980402827263},{"word":"maybe","start":349.295,"end":349.77502,"confidence":0.9536133,"punctuated_word":"Maybe","sentiment":"neutral","sentiment_score":-0.018549185246229172},{"word":"you","start":349.77502,"end":349.935,"confidence":0.50683594,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.024504156783223152},{"word":"take","start":349.935,"end":350.17502,"confidence":0.6904297,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.02705645188689232},{"word":"that","start":350.17502,"end":350.49503,"confidence":0.9892578,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03119717538356781},{"word":"rice","start":350.49503,"end":350.815,"confidence":0.44799805,"punctuated_word":"rice","sentiment":"neutral","sentiment_score":-0.031973496079444885},{"word":"horses","start":350.815,"end":351.295,"confidence":0.48632812,"punctuated_word":"horses","sentiment":"neutral","sentiment_score":-0.04484874010086059},{"word":"down","start":351.295,"end":351.61502,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.030718911439180378},{"word":"a","start":351.61502,"end":351.77502,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06211192160844803},{"word":"bit","start":351.77502,"end":352.27502,"confidence":0.9904785,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.044573038816452026},{"word":"i've","start":352.33502,"end":352.73502,"confidence":0.9758301,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.007290458306670189},{"word":"got","start":352.73502,"end":352.975,"confidence":0.95410156,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.02684372290968895},{"word":"rid","start":352.975,"end":353.21503,"confidence":1.0,"punctuated_word":"rid","sentiment":"neutral","sentiment_score":-0.042849279940128326},{"word":"of","start":353.21503,"end":353.375,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04861866682767868},{"word":"some","start":353.375,"end":353.61502,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.05202452838420868},{"word":"of","start":353.61502,"end":353.77502,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05062557011842728},{"word":"those","start":353.77502,"end":354.27502,"confidence":0.92333984,"punctuated_word":"those,","sentiment":"neutral","sentiment_score":-0.042383287101984024},{"word":"and","start":354.415,"end":354.915,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.009077327325940132},{"word":"i've","start":356.25,"end":356.33002,"confidence":0.9863281,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.02415274828672409},{"word":"only","start":356.33002,"end":356.57,"confidence":0.5776367,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.02773265540599823},{"word":"got","start":356.57,"end":356.89,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.02455393597483635},{"word":"two","start":356.89,"end":357.21002,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.047547683119773865},{"word":"left","start":357.21002,"end":357.61002,"confidence":0.99902344,"punctuated_word":"left","sentiment":"neutral","sentiment_score":-0.02600757032632828},{"word":"now","start":357.61002,"end":358.11002,"confidence":0.9765625,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.02331482619047165},{"word":"it's","start":360.73,"end":360.97,"confidence":0.74487305,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.0190739743411541},{"word":"probably","start":360.97,"end":361.47,"confidence":0.9980469,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.01944386586546898},{"word":"a","start":361.61002,"end":361.85,"confidence":0.97265625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.008999801240861416},{"word":"100,000","start":361.85,"end":362.91,"confidence":0.9975586,"punctuated_word":"100,000","sentiment":"neutral","sentiment_score":-0.00433766096830368},{"word":"there","start":362.97,"end":363.47,"confidence":0.8520508,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.005823416635394096},{"word":"instead","start":363.85,"end":364.25,"confidence":0.94189453,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":-0.024918919429183006},{"word":"of","start":364.25,"end":364.41,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.024060839787125587},{"word":"200,000","start":364.41,"end":365.47,"confidence":0.9833171,"punctuated_word":"200,000.","sentiment":"neutral","sentiment_score":0.0034281830303370953},{"word":"well","start":369.105,"end":369.345,"confidence":0.7910156,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.11363507807254793},{"word":"she","start":369.345,"end":369.505,"confidence":0.9941406,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.045986004173755646},{"word":"had","start":369.505,"end":369.825,"confidence":0.9980469,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.0560566782951355},{"word":"a","start":369.825,"end":370.225,"confidence":0.97998047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07054786384105682},{"word":"she","start":370.225,"end":370.465,"confidence":0.8041992,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.04436756297945976},{"word":"had","start":370.465,"end":370.625,"confidence":0.98291016,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.04901558160781861},{"word":"a","start":370.625,"end":370.865,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04858061671257019},{"word":"she's","start":371.025,"end":371.265,"confidence":0.9921875,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":-0.046899329870939255},{"word":"had","start":371.265,"end":371.425,"confidence":0.9970703,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.04298580065369606},{"word":"a","start":371.425,"end":371.585,"confidence":0.8540039,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.057345159351825714},{"word":"first","start":371.585,"end":371.985,"confidence":0.99609375,"punctuated_word":"first","sentiment":"neutral","sentiment_score":-0.07470247149467468},{"word":"preparation","start":371.985,"end":372.485,"confidence":0.8251953,"punctuated_word":"preparation,","sentiment":"neutral","sentiment_score":-0.05180945247411728},{"word":"so","start":372.865,"end":373.365,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.07271851599216461},{"word":"you","start":373.745,"end":373.905,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07946480810642242},{"word":"don't","start":373.905,"end":374.145,"confidence":0.9970703,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.08357900381088257},{"word":"really","start":374.145,"end":374.645,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.09091950953006744},{"word":"have","start":374.785,"end":375.025,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.07533426582813263},{"word":"a","start":375.025,"end":375.105,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0959896668791771},{"word":"race","start":375.105,"end":375.585,"confidence":0.9458008,"punctuated_word":"race.","sentiment":"neutral","sentiment_score":-0.09225565940141678},{"word":"right","start":375.585,"end":375.985,"confidence":0.9995117,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.04290660470724106},{"word":"you","start":375.985,"end":376.225,"confidence":0.92333984,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.03456771746277809},{"word":"just","start":376.225,"end":376.625,"confidence":0.9560547,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05422667786478996},{"word":"she's","start":376.705,"end":377.025,"confidence":0.99658203,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":0.21340271830558777},{"word":"won","start":377.025,"end":377.265,"confidence":0.97998047,"punctuated_word":"won","sentiment":"neutral","sentiment_score":0.24295161664485931},{"word":"a","start":377.265,"end":377.425,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2175227403640747},{"word":"trial","start":377.425,"end":377.905,"confidence":0.7897949,"punctuated_word":"trial,","sentiment":"neutral","sentiment_score":0.20209237933158877},{"word":"and","start":377.905,"end":378.145,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1646181493997574},{"word":"she's","start":378.145,"end":378.385,"confidence":1.0,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":0.2567852735519409},{"word":"done","start":378.385,"end":378.705,"confidence":0.99902344,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.2744593024253845},{"word":"alright","start":378.705,"end":379.185,"confidence":0.6623535,"punctuated_word":"alright,","sentiment":"neutral","sentiment_score":0.1955935060977936},{"word":"but","start":379.185,"end":379.685,"confidence":0.99609375,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.07461996376514435},{"word":"because","start":379.905,"end":380.145,"confidence":0.9941406,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.013160191476345062},{"word":"she's","start":380.145,"end":380.385,"confidence":0.9995117,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":0.04902493953704834},{"word":"just","start":380.385,"end":380.625,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.012865014374256134},{"word":"a","start":380.625,"end":380.785,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04463069513440132},{"word":"baby","start":380.785,"end":381.105,"confidence":0.82958984,"punctuated_word":"baby,","sentiment":"neutral","sentiment_score":-0.005884528160095215},{"word":"you","start":381.105,"end":381.265,"confidence":0.9863281,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09977268427610396},{"word":"don't","start":381.265,"end":381.505,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.04689186811447144},{"word":"wanna","start":381.505,"end":381.825,"confidence":0.97802734,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.16510474681854248},{"word":"kill","start":381.825,"end":382.065,"confidence":0.99609375,"punctuated_word":"kill","sentiment":"neutral","sentiment_score":-0.14889132976531982},{"word":"her","start":382.065,"end":382.385,"confidence":0.9838867,"punctuated_word":"her.","sentiment":"neutral","sentiment_score":-0.08001621067523956},{"word":"so","start":382.385,"end":382.885,"confidence":0.9350586,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.016843512654304504},{"word":"yeah","start":383.37003,"end":383.87003,"confidence":0.984375,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.021484151482582092},{"word":"so","start":386.01,"end":386.51,"confidence":0.8535156,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.0311314407736063},{"word":"i","start":386.57,"end":386.69,"confidence":0.97998047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0073714479804039},{"word":"i","start":386.69,"end":386.81003,"confidence":0.50390625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.005522947758436203},{"word":"asked","start":386.81003,"end":387.13,"confidence":0.98535156,"punctuated_word":"asked","sentiment":"neutral","sentiment_score":-0.012208160012960434},{"word":"about","start":387.13,"end":387.37003,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.046184930950403214},{"word":"insurance","start":387.37003,"end":387.87003,"confidence":0.99902344,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.04220840707421303},{"word":"on","start":388.01,"end":388.25,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.04196612909436226},{"word":"that","start":388.25,"end":388.49002,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04258352145552635},{"word":"horse","start":388.49002,"end":388.81003,"confidence":0.92163086,"punctuated_word":"horse,","sentiment":"neutral","sentiment_score":-0.033672261983156204},{"word":"and","start":388.81003,"end":389.31003,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02950177527964115},{"word":"they","start":389.61002,"end":389.85,"confidence":0.9970703,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.040342435240745544},{"word":"said","start":389.85,"end":390.17,"confidence":0.9482422,"punctuated_word":"said","sentiment":"neutral","sentiment_score":-0.03932560980319977},{"word":"about","start":390.17,"end":390.67,"confidence":0.77734375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.05013299360871315},{"word":"$100","start":390.97,"end":392.03003,"confidence":0.9812012,"punctuated_word":"$100.","sentiment":"neutral","sentiment_score":-0.05323626473546028},{"word":"so","start":392.41,"end":392.91,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.009260829538106918},{"word":"drop","start":393.61002,"end":393.93002,"confidence":0.51953125,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":-0.040508028119802475},{"word":"that","start":393.93002,"end":394.25,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03895457088947296},{"word":"down","start":394.25,"end":394.57,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.042925573885440826},{"word":"a","start":394.57,"end":394.65002,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03157123550772667},{"word":"bit","start":394.65002,"end":395.115,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.0501176081597805},{"word":"because","start":395.435,"end":395.675,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.05365311726927757},{"word":"i","start":395.675,"end":395.91498,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.021672062575817108},{"word":"got","start":395.91498,"end":396.155,"confidence":0.89501953,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.021096035838127136},{"word":"rid","start":396.155,"end":396.315,"confidence":1.0,"punctuated_word":"rid","sentiment":"neutral","sentiment_score":-0.013458602130413055},{"word":"of","start":396.315,"end":396.47498,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.017311125993728638},{"word":"the","start":396.47498,"end":396.63498,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02286907285451889},{"word":"others","start":396.63498,"end":397.13498,"confidence":0.93237305,"punctuated_word":"others.","sentiment":"neutral","sentiment_score":-0.04588525742292404},{"word":"i","start":397.19498,"end":397.435,"confidence":0.8588867,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11817175149917604},{"word":"kind","start":397.435,"end":397.875,"confidence":0.48217773,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.07783955335617065},{"word":"of","start":397.875,"end":398.315,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.008006270974874496},{"word":"you","start":399.115,"end":399.275,"confidence":0.69873047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00961381196975708},{"word":"know","start":399.275,"end":399.775,"confidence":0.9255371,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.0028677526861429214},{"word":"not","start":399.835,"end":399.995,"confidence":0.93408203,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.03445390239357948},{"word":"all","start":399.995,"end":400.495,"confidence":0.6582031,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.03271113336086273},{"word":"wealthy","start":400.955,"end":401.455,"confidence":0.7348633,"punctuated_word":"wealthy","sentiment":"neutral","sentiment_score":-0.03663261234760285},{"word":"course","start":401.995,"end":402.315,"confidence":0.6152344,"punctuated_word":"course","sentiment":"neutral","sentiment_score":-0.04142753407359123},{"word":"owners","start":402.315,"end":402.815,"confidence":0.9682617,"punctuated_word":"owners.","sentiment":"neutral","sentiment_score":-0.035175323486328125},{"word":"my","start":403.835,"end":404.07498,"confidence":0.890625,"punctuated_word":"My","sentiment":"neutral","sentiment_score":0.027351096272468567},{"word":"property","start":404.07498,"end":404.57498,"confidence":0.99902344,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.05799615755677223},{"word":"is","start":404.79498,"end":405.115,"confidence":0.82910156,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.034564025700092316},{"word":"be","start":405.115,"end":405.51498,"confidence":0.81347656,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.057177089154720306},{"word":"up","start":405.51498,"end":405.675,"confidence":0.98291016,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.07338745146989822},{"word":"another","start":405.675,"end":406.155,"confidence":0.99902344,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.05604637786746025},{"word":"$200","start":406.155,"end":407.115,"confidence":0.8511963,"punctuated_word":"$200,","sentiment":"neutral","sentiment_score":0.06390739977359772},{"word":"though","start":407.115,"end":407.435,"confidence":0.98657227,"punctuated_word":"though,","sentiment":"neutral","sentiment_score":0.06008857488632202},{"word":"because","start":407.435,"end":407.675,"confidence":0.99902344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.06138939782977104},{"word":"i","start":407.675,"end":407.91498,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06148049235343933},{"word":"just","start":407.91498,"end":408.155,"confidence":0.8071289,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06495600193738937},{"word":"got","start":408.155,"end":408.395,"confidence":0.9902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.09092921018600464},{"word":"it","start":408.395,"end":408.555,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1025840938091278},{"word":"evaluated","start":408.555,"end":409.055,"confidence":0.73876953,"punctuated_word":"evaluated,","sentiment":"neutral","sentiment_score":0.10268494486808775},{"word":"so","start":409.435,"end":409.675,"confidence":0.9614258,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.060178328305482864},{"word":"that'd","start":409.675,"end":409.995,"confidence":0.8203125,"punctuated_word":"that'd","sentiment":"neutral","sentiment_score":0.057925671339035034},{"word":"be","start":409.995,"end":410.235,"confidence":0.9941406,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.07070185244083405},{"word":"9","start":410.235,"end":410.61,"confidence":1.0,"punctuated_word":"9","sentiment":"neutral","sentiment_score":0.05152193084359169},{"word":"50","start":413.56998,"end":414.05,"confidence":0.9995117,"punctuated_word":"50.","sentiment":"neutral","sentiment_score":0.2503913640975952},{"word":"the","start":414.05,"end":414.28998,"confidence":0.9892578,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.1585671603679657},{"word":"cars","start":414.28998,"end":414.78998,"confidence":0.9707031,"punctuated_word":"cars","sentiment":"neutral","sentiment_score":0.09172452986240388},{"word":"the","start":415.16998,"end":415.33,"confidence":0.93408203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05109785497188568},{"word":"cars","start":415.33,"end":415.72998,"confidence":0.9980469,"punctuated_word":"cars","sentiment":"neutral","sentiment_score":0.07125905156135559},{"word":"are","start":415.72998,"end":415.88998,"confidence":0.96972656,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.034390516579151154},{"word":"probably","start":415.88998,"end":416.28998,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.03847464919090271},{"word":"the","start":416.28998,"end":416.53,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.008129552006721497},{"word":"same","start":416.53,"end":416.93,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.0025382116436958313},{"word":"or","start":416.93,"end":417.16998,"confidence":0.9140625,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.027928434312343597},{"word":"maybe","start":417.16998,"end":417.66998,"confidence":0.83691406,"punctuated_word":"maybe,","sentiment":"neutral","sentiment_score":0.052511803805828094},{"word":"you","start":417.72998,"end":417.88998,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03160873055458069},{"word":"know","start":417.88998,"end":418.12997,"confidence":0.9946289,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.05986867845058441},{"word":"they're","start":418.12997,"end":418.37,"confidence":0.9946289,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.008105983957648277},{"word":"getting","start":418.37,"end":418.68997,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.02370292693376541},{"word":"older","start":418.68997,"end":419.09,"confidence":0.8857422,"punctuated_word":"older,","sentiment":"neutral","sentiment_score":0.021120529621839523},{"word":"so","start":419.09,"end":419.33,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.02319713681936264},{"word":"maybe","start":419.33,"end":419.72998,"confidence":0.78271484,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.0019975006580352783},{"word":"a","start":419.72998,"end":419.88998,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.011773081496357918},{"word":"bit","start":419.88998,"end":420.37,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.01031462848186493},{"word":"less","start":420.37,"end":420.87,"confidence":0.81518555,"punctuated_word":"less.","sentiment":"neutral","sentiment_score":0.025007059797644615},{"word":"so","start":421.00998,"end":421.33,"confidence":0.49145508,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.050127193331718445},{"word":"take","start":421.33,"end":421.72998,"confidence":0.54052734,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.04580685496330261},{"word":"$5","start":421.72998,"end":422.44998,"confidence":0.99658203,"punctuated_word":"$5","sentiment":"neutral","sentiment_score":0.04731021821498871},{"word":"off","start":422.44998,"end":422.61,"confidence":0.99316406,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.04641275107860565},{"word":"that","start":422.61,"end":423.045,"confidence":0.9875488,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.05708830803632736},{"word":"the","start":424.08502,"end":424.405,"confidence":0.9658203,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.3188817501068115},{"word":"gold","start":424.405,"end":424.885,"confidence":0.94189453,"punctuated_word":"gold","sentiment":"positive","sentiment_score":0.43183499574661255},{"word":"top","start":424.885,"end":425.20502,"confidence":0.98291016,"punctuated_word":"top","sentiment":"positive","sentiment_score":0.3694302439689636},{"word":"has","start":425.20502,"end":425.605,"confidence":0.9350586,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.4599013030529022},{"word":"gone","start":425.605,"end":426.005,"confidence":0.99902344,"punctuated_word":"gone","sentiment":"positive","sentiment_score":0.5088338255882263},{"word":"up","start":426.005,"end":426.24503,"confidence":0.9873047,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.4798496961593628},{"word":"to","start":426.24503,"end":426.48502,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4985620379447937},{"word":"20","start":426.48502,"end":426.98502,"confidence":0.84936523,"punctuated_word":"20,","sentiment":"positive","sentiment_score":0.4107431173324585},{"word":"so","start":427.445,"end":427.68503,"confidence":0.9970703,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.44251012802124023},{"word":"that's","start":427.68503,"end":428.005,"confidence":0.99658203,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.5521824359893799},{"word":"good","start":428.005,"end":428.505,"confidence":0.9880371,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3973804116249085},{"word":"the","start":430.725,"end":430.885,"confidence":0.984375,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.07516875863075256},{"word":"rest","start":430.885,"end":431.20502,"confidence":1.0,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":0.11269617825746536},{"word":"is","start":431.20502,"end":431.36502,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04154533892869949},{"word":"probably","start":431.36502,"end":431.765,"confidence":1.0,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.025581911206245422},{"word":"the","start":431.765,"end":431.92502,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00916750356554985},{"word":"same","start":431.92502,"end":432.42502,"confidence":0.99316406,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":0.03378820791840553},{"word":"i","start":432.565,"end":432.64502,"confidence":0.90527344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.014312777668237686},{"word":"mean","start":432.64502,"end":432.885,"confidence":0.9445801,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.027681473642587665},{"word":"i","start":432.885,"end":433.045,"confidence":0.9506836,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04287539795041084},{"word":"don't","start":433.045,"end":433.20502,"confidence":0.81152344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.04259423539042473},{"word":"i'm","start":433.285,"end":433.445,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.04932665824890137},{"word":"not","start":433.445,"end":433.685,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.06688973307609558},{"word":"really","start":433.685,"end":434.005,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.06937018036842346},{"word":"sure","start":434.005,"end":434.325,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.09460417926311492},{"word":"that","start":434.325,"end":434.565,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06241193041205406},{"word":"i","start":434.565,"end":434.725,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04459519311785698},{"word":"would","start":434.725,"end":434.96503,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.054839540272951126},{"word":"actually","start":434.96503,"end":435.445,"confidence":0.9980469,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.031202152371406555},{"word":"have","start":435.445,"end":435.765,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.05322665721178055},{"word":"50","start":435.765,"end":436.24503,"confidence":0.99902344,"punctuated_word":"50","sentiment":"neutral","sentiment_score":-0.04839293658733368},{"word":"grands","start":436.24503,"end":436.725,"confidence":0.7980957,"punctuated_word":"grands","sentiment":"neutral","sentiment_score":-0.03664806857705116},{"word":"worth","start":436.725,"end":436.96503,"confidence":0.92822266,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":-0.048142947256565094},{"word":"of","start":436.96503,"end":437.4,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.027760785073041916},{"word":"contents","start":437.4,"end":437.88,"confidence":0.8718262,"punctuated_word":"contents,","sentiment":"neutral","sentiment_score":-0.03805059939622879},{"word":"but","start":437.88,"end":438.38,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.042954832315444946},{"word":"it","start":440.47998,"end":440.97998,"confidence":0.54296875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.061842869967222214},{"word":"yeah","start":446.28,"end":446.78,"confidence":0.9946289,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.06276892125606537},{"word":"yeah","start":448.75998,"end":449.24,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.00223635695874691},{"word":"that's","start":449.24,"end":449.56,"confidence":0.99365234,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.0034952997229993343},{"word":"probably","start":449.56,"end":450.03998,"confidence":0.9970703,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.001588236540555954},{"word":"right","start":450.03998,"end":450.53998,"confidence":0.95092773,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.022561239078640934},{"word":"but","start":450.845,"end":450.925,"confidence":0.9951172,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.0001781359314918518},{"word":"yeah","start":451.005,"end":451.365,"confidence":0.97875977,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.00261631328612566},{"word":"so","start":451.365,"end":451.725,"confidence":0.85839844,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0009966660290956495},{"word":"if","start":451.725,"end":451.885,"confidence":0.9902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0012636510655283928},{"word":"you","start":451.885,"end":452.045,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00010410882532596588},{"word":"wanna","start":452.045,"end":452.36502,"confidence":0.9472656,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.011247234418988228},{"word":"make","start":452.36502,"end":452.605,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.006458550691604614},{"word":"those","start":452.605,"end":453.005,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.0033206231892108917},{"word":"adjustments","start":453.005,"end":453.505,"confidence":0.87158203,"punctuated_word":"adjustments,","sentiment":"neutral","sentiment_score":-0.00229642353951931},{"word":"i","start":454.125,"end":454.285,"confidence":0.8852539,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10085763782262802},{"word":"don't","start":454.285,"end":454.52502,"confidence":0.9880371,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.10125592350959778},{"word":"know","start":454.52502,"end":454.68503,"confidence":0.9951172,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.1437725126743317},{"word":"what","start":454.68503,"end":454.92502,"confidence":0.9301758,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.13632327318191528},{"word":"that's","start":455.005,"end":455.24503,"confidence":0.97436523,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.1296055167913437},{"word":"not","start":455.24503,"end":455.48502,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.120753675699234},{"word":"gonna","start":455.48502,"end":455.725,"confidence":0.9902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.13404002785682678},{"word":"really","start":455.725,"end":456.225,"confidence":0.99902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.11378030478954317},{"word":"make","start":456.68503,"end":456.92502,"confidence":0.98828125,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.13966844975948334},{"word":"any","start":456.92502,"end":457.165,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.11825571209192276},{"word":"difference","start":457.165,"end":457.64502,"confidence":0.9980469,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":-0.16610848903656006},{"word":"to","start":457.64502,"end":457.80502,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.17691317200660706},{"word":"anything","start":457.80502,"end":458.20502,"confidence":0.8786621,"punctuated_word":"anything,","sentiment":"neutral","sentiment_score":-0.1200762540102005},{"word":"i","start":458.20502,"end":458.36502,"confidence":0.9819336,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07247374951839447},{"word":"suppose","start":458.36502,"end":458.86502,"confidence":0.9975586,"punctuated_word":"suppose.","sentiment":"neutral","sentiment_score":-0.0756344199180603},{"word":"yeah","start":462.765,"end":463.265,"confidence":0.9885254,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.033810991793870926},{"word":"yeah","start":471.71,"end":472.19,"confidence":0.9892578,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08700842410326004},{"word":"sure","start":472.19,"end":472.69,"confidence":0.9970703,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.23227378726005551},{"word":"it's","start":494.76,"end":495.0,"confidence":0.96606445,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.1580919474363327},{"word":"not","start":495.0,"end":495.32,"confidence":0.9970703,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1792362630367279},{"word":"match","start":495.32,"end":495.56,"confidence":0.5604248,"punctuated_word":"match,","sentiment":"neutral","sentiment_score":-0.14878691732883453},{"word":"is","start":495.56,"end":495.8,"confidence":0.9633789,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.06875200569629669},{"word":"it","start":495.8,"end":496.3,"confidence":0.99902344,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.11768366396427156},{"word":"yeah","start":503.56,"end":503.72,"confidence":0.9724121,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0013427715748548508},{"word":"go","start":503.72,"end":503.88,"confidence":0.54541016,"punctuated_word":"Go","sentiment":"neutral","sentiment_score":0.026366565376520157},{"word":"ahead","start":503.88,"end":504.38,"confidence":0.99560547,"punctuated_word":"ahead.","sentiment":"neutral","sentiment_score":0.049505166709423065},{"word":"yes","start":529.95,"end":530.45,"confidence":0.92285156,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08067859709262848},{"word":"right","start":538.455,"end":538.955,"confidence":0.81933594,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.17962752282619476},{"word":"yep","start":547.45996,"end":547.95996,"confidence":0.67858887,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07853270322084427},{"word":"so","start":548.18,"end":548.68,"confidence":0.3959961,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06407060474157333},{"word":"yes","start":583.32,"end":583.695,"confidence":0.98999023,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.20847949385643005},{"word":"yep","start":608.34,"end":608.84,"confidence":0.8757324,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.012925095856189728},{"word":"okay","start":633.01,"end":633.51,"confidence":0.90234375,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.14046324789524078},{"word":"yeah","start":633.65,"end":634.15,"confidence":0.9848633,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10445334762334824},{"word":"well","start":660.01,"end":660.25,"confidence":0.7404785,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.02248573303222656},{"word":"i'll","start":660.25,"end":660.41003,"confidence":0.91503906,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0328044593334198},{"word":"obviously","start":660.41003,"end":660.91003,"confidence":0.9482422,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.01677343249320984},{"word":"be","start":661.13,"end":661.53,"confidence":0.9951172,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03406807780265808},{"word":"paying","start":661.53,"end":661.93,"confidence":0.99121094,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.0206342414021492},{"word":"it's","start":662.65,"end":663.05,"confidence":0.9975586,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.010442182421684263},{"word":"about","start":663.05,"end":663.45,"confidence":0.95703125,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.02434214949607849},{"word":"what","start":663.69,"end":663.85,"confidence":0.9580078,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.021777480840682983},{"word":"i","start":663.85,"end":664.09,"confidence":0.9838867,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.040750592947006226},{"word":"pay","start":664.09,"end":664.41003,"confidence":0.68896484,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.018433094024658203},{"word":"in","start":664.41003,"end":664.65,"confidence":0.9165039,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.042466506361961365},{"word":"superhour","start":664.65,"end":665.15,"confidence":0.4984131,"punctuated_word":"Superhour","sentiment":"neutral","sentiment_score":0.08245852589607239},{"word":"with","start":665.21,"end":665.53,"confidence":0.87890625,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05414918065071106},{"word":"my","start":665.53,"end":665.77,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.03608573228120804},{"word":"wages","start":665.77,"end":666.27,"confidence":0.9316406,"punctuated_word":"wages,","sentiment":"neutral","sentiment_score":0.026650168001651764},{"word":"it's","start":666.41003,"end":666.675,"confidence":0.9951172,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.006448104977607727},{"word":"it's","start":666.755,"end":667.075,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.012787653133273125},{"word":"not","start":667.075,"end":667.15497,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.020841196179389954},{"word":"a","start":667.15497,"end":667.39496,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.045909583568573},{"word":"lot","start":667.39496,"end":667.795,"confidence":0.98217773,"punctuated_word":"lot,","sentiment":"neutral","sentiment_score":-0.024955537170171738},{"word":"but","start":667.795,"end":668.195,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.002026468515396118},{"word":"it's","start":668.195,"end":668.515,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.01359410025179386},{"word":"about","start":668.515,"end":669.015,"confidence":0.99121094,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.031178224831819534},{"word":"1,000","start":671.475,"end":672.21497,"confidence":0.9211426,"punctuated_word":"1,000","sentiment":"neutral","sentiment_score":0.06708448380231857},{"word":"about","start":672.755,"end":673.15497,"confidence":0.9038086,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.02223910391330719},{"word":"1,500","start":673.15497,"end":673.955,"confidence":0.9890137,"punctuated_word":"1,500","sentiment":"neutral","sentiment_score":0.05102295055985451},{"word":"a","start":673.955,"end":674.115,"confidence":0.9863281,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04102037474513054},{"word":"quarter","start":674.115,"end":674.595,"confidence":0.9946289,"punctuated_word":"quarter,","sentiment":"neutral","sentiment_score":0.04212700575590134},{"word":"i","start":674.595,"end":674.675,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04680115729570389},{"word":"suppose","start":674.675,"end":675.175,"confidence":0.9941406,"punctuated_word":"suppose.","sentiment":"neutral","sentiment_score":0.04411149397492409},{"word":"so","start":676.915,"end":677.415,"confidence":0.25756836,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2770891487598419},{"word":"yeah","start":686.12006,"end":686.44,"confidence":0.8149414,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17382842302322388},{"word":"you","start":686.44,"end":686.68005,"confidence":0.88134766,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.1324563026428223},{"word":"have","start":686.68005,"end":686.92004,"confidence":0.99121094,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.28032076358795166},{"word":"to","start":686.92004,"end":687.24005,"confidence":0.78515625,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.2100047916173935},{"word":"man","start":687.24005,"end":687.74005,"confidence":0.69506836,"punctuated_word":"man.","sentiment":"neutral","sentiment_score":0.1548810601234436},{"word":"yeah","start":718.61,"end":718.85,"confidence":0.8508301,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08695685118436813},{"word":"well","start":718.85,"end":719.09,"confidence":0.98461914,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.06205336004495621},{"word":"they","start":719.09,"end":719.33,"confidence":0.95410156,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.06413015723228455},{"word":"have","start":719.33,"end":719.49,"confidence":0.9863281,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0760703831911087},{"word":"to","start":719.49,"end":719.65,"confidence":0.98535156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06006210297346115},{"word":"you","start":719.81,"end":719.97003,"confidence":0.9873047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03406566008925438},{"word":"have","start":719.97003,"end":720.13,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.046109557151794434},{"word":"to","start":720.13,"end":720.29,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04547446221113205},{"word":"do","start":720.29,"end":720.61,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06149360537528992},{"word":"that","start":720.61,"end":720.85,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07764801383018494},{"word":"now","start":720.85,"end":721.35,"confidence":0.9980469,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.01937149092555046},{"word":"when","start":721.41,"end":721.73,"confidence":0.71435547,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.027749694883823395},{"word":"you","start":721.73,"end":721.97003,"confidence":0.8959961,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.023573584854602817},{"word":"pay","start":721.97003,"end":722.37,"confidence":0.3852539,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.013787638396024704},{"word":"wages","start":722.37,"end":722.87,"confidence":0.70166016,"punctuated_word":"wages.","sentiment":"neutral","sentiment_score":0.011956396512687206},{"word":"sorry","start":723.81,"end":724.31,"confidence":0.7495117,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.004484916105866432},{"word":"yeah","start":730.335,"end":730.835,"confidence":0.98950195,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.23636089265346527},{"word":"sure","start":734.495,"end":734.995,"confidence":0.9482422,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.24375641345977783},{"word":"okay","start":735.055,"end":735.555,"confidence":0.99902344,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.29715850949287415},{"word":"yeah","start":735.935,"end":736.255,"confidence":0.99658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2807336747646332},{"word":"i'll","start":736.255,"end":736.41504,"confidence":0.7233887,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2427348792552948},{"word":"get","start":736.41504,"end":736.655,"confidence":0.88427734,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2965168356895447},{"word":"on","start":736.655,"end":736.895,"confidence":0.7036133,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.23733222484588623},{"word":"that","start":736.895,"end":737.215,"confidence":0.7944336,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.18581074476242063},{"word":"i'm","start":737.215,"end":737.455,"confidence":0.9453125,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.03609784692525864},{"word":"just","start":737.455,"end":737.955,"confidence":0.9921875,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03774701803922653},{"word":"a","start":738.71,"end":738.87,"confidence":0.9863281,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1248052418231964},{"word":"little","start":738.87,"end":739.11,"confidence":0.9394531,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.08298252522945404},{"word":"bit","start":739.11,"end":739.61,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.1471959501504898},{"word":"short","start":739.67,"end":740.07,"confidence":0.9770508,"punctuated_word":"short","sentiment":"neutral","sentiment_score":-0.2626326382160187},{"word":"at","start":740.07,"end":740.31,"confidence":0.66259766,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.28335803747177124},{"word":"the","start":740.31,"end":740.39,"confidence":0.9716797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15399207174777985},{"word":"moment","start":740.39,"end":740.79,"confidence":0.7963867,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.11075052618980408},{"word":"it's","start":740.79,"end":741.03,"confidence":0.98999023,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.08072581887245178},{"word":"a","start":741.03,"end":741.19,"confidence":0.95410156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.040667109191417694},{"word":"business","start":741.19,"end":741.69,"confidence":0.7998047,"punctuated_word":"business,","sentiment":"neutral","sentiment_score":-0.04145684465765953},{"word":"so","start":741.83,"end":742.23,"confidence":0.98535156,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.02171417325735092},{"word":"i","start":742.23,"end":742.31,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07823517918586731},{"word":"need","start":742.31,"end":742.55,"confidence":0.7758789,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.12951654195785522},{"word":"to","start":742.55,"end":743.05,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12018296867609024},{"word":"get","start":743.35,"end":743.51,"confidence":0.9707031,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.15183347463607788},{"word":"some","start":743.51,"end":743.75,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.13974137604236603},{"word":"more","start":743.75,"end":743.99,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.1331387162208557},{"word":"money","start":743.99,"end":744.23,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.06768162548542023},{"word":"in","start":744.23,"end":744.47003,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0926358997821808},{"word":"the","start":744.47003,"end":744.63,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.052257783710956573},{"word":"business","start":744.63,"end":745.13,"confidence":1.0,"punctuated_word":"business.","sentiment":"neutral","sentiment_score":-0.03705420717597008},{"word":"yeah","start":747.19,"end":747.69,"confidence":0.5578613,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04177882522344589},{"word":"yeah","start":777.98004,"end":778.48004,"confidence":0.7763672,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2392783164978027},{"word":"so","start":779.18,"end":779.58,"confidence":0.9921875,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3505208194255829},{"word":"i'm","start":779.58,"end":779.98004,"confidence":0.99853516,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.32897326350212097},{"word":"reading","start":779.98004,"end":780.46,"confidence":0.91259766,"punctuated_word":"reading","sentiment":"positive","sentiment_score":0.43047645688056946},{"word":"that","start":780.46,"end":780.78,"confidence":0.9892578,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4029906392097473},{"word":"now","start":780.78,"end":781.18,"confidence":0.96875,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.29171597957611084},{"word":"yeah","start":781.18,"end":781.68,"confidence":0.97143555,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.25095707178115845},{"word":"yeah","start":795.335,"end":795.835,"confidence":0.829834,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.240084707736969},{"word":"mhmm","start":813.365,"end":813.865,"confidence":0.8763428,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.04812789708375931},{"word":"what's","start":825.99,"end":826.49,"confidence":0.68933105,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":0.12291940301656724},{"word":"what's","start":826.95,"end":827.45,"confidence":0.9033203,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.18417134881019592},{"word":"my","start":827.51,"end":828.01,"confidence":0.9892578,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.016677675768733025},{"word":"north","start":828.07,"end":828.57,"confidence":0.59375,"punctuated_word":"north","sentiment":"neutral","sentiment_score":0.022281885147094727},{"word":"consideration","start":829.99,"end":830.49,"confidence":0.96972656,"punctuated_word":"consideration","sentiment":"neutral","sentiment_score":0.03365745395421982},{"word":"considered","start":831.19,"end":831.69,"confidence":0.99609375,"punctuated_word":"considered","sentiment":"neutral","sentiment_score":0.021304994821548465},{"word":"moving","start":831.75,"end":832.23004,"confidence":0.99902344,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.0225807074457407},{"word":"as","start":832.23004,"end":832.55005,"confidence":0.5541992,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.023768208920955654},{"word":"to","start":832.55005,"end":832.79004,"confidence":0.33569336,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.016014350578188896},{"word":"close","start":832.79004,"end":833.11005,"confidence":0.21838379,"punctuated_word":"close","sentiment":"neutral","sentiment_score":0.02905961126089096},{"word":"into","start":833.11005,"end":833.51,"confidence":0.91015625,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.017429441213607788},{"word":"my","start":833.51,"end":833.83,"confidence":0.96972656,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.020928025245666504},{"word":"north","start":833.83,"end":834.33,"confidence":0.984375,"punctuated_word":"north","sentiment":"neutral","sentiment_score":0.030101288110017776},{"word":"or","start":834.39,"end":834.87,"confidence":0.94921875,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.02721339836716652},{"word":"separately","start":834.87,"end":835.37,"confidence":0.85498047,"punctuated_word":"separately","sentiment":"neutral","sentiment_score":0.008806226775050163},{"word":"manage","start":835.59,"end":836.09,"confidence":0.69921875,"punctuated_word":"manage?","sentiment":"neutral","sentiment_score":0.11667005717754364},{"word":"yes","start":852.275,"end":852.775,"confidence":0.98999023,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.09086836129426956},{"word":"not","start":868.855,"end":869.255,"confidence":0.76660156,"punctuated_word":"Not","sentiment":"negative","sentiment_score":-0.4887415468692779},{"word":"worth","start":869.255,"end":869.575,"confidence":0.6191406,"punctuated_word":"worth","sentiment":"negative","sentiment_score":-0.6604755520820618},{"word":"it","start":869.575,"end":870.075,"confidence":0.9770508,"punctuated_word":"it.","sentiment":"negative","sentiment_score":-0.6477500200271606},{"word":"mhmm","start":877.095,"end":877.595,"confidence":0.92419434,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.10589829087257384},{"word":"so","start":884.11005,"end":884.51,"confidence":0.8745117,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03860040381550789},{"word":"we're","start":884.51,"end":884.75,"confidence":0.9904785,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.03786441683769226},{"word":"on","start":884.75,"end":884.99005,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.034854404628276825},{"word":"page","start":884.99005,"end":885.39,"confidence":0.9980469,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.05076679587364197},{"word":"19","start":885.39,"end":885.89,"confidence":0.9641113,"punctuated_word":"19.","sentiment":"neutral","sentiment_score":0.06399361044168472},{"word":"there's","start":887.87,"end":888.19,"confidence":0.9470215,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.016563057899475098},{"word":"a","start":888.19,"end":888.27,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05687350779771805},{"word":"lot","start":888.27,"end":888.51,"confidence":0.9970703,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.059038806706666946},{"word":"of","start":888.51,"end":888.67004,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0690619945526123},{"word":"red","start":888.67004,"end":889.17004,"confidence":0.9863281,"punctuated_word":"red","sentiment":"neutral","sentiment_score":-0.05378177762031555},{"word":"a","start":889.23004,"end":889.31,"confidence":0.64990234,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09996163845062256},{"word":"lot","start":889.31,"end":889.47003,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.1113227605819702},{"word":"of","start":889.47003,"end":889.63,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0970054417848587},{"word":"red","start":889.63,"end":889.95,"confidence":0.99902344,"punctuated_word":"red","sentiment":"neutral","sentiment_score":-0.08357514441013336},{"word":"numbers","start":889.95,"end":890.27,"confidence":0.99902344,"punctuated_word":"numbers","sentiment":"neutral","sentiment_score":-0.10312840342521667},{"word":"there","start":890.27,"end":890.59,"confidence":0.9777832,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.01818517968058586},{"word":"mate","start":890.59,"end":890.91003,"confidence":0.9902344,"punctuated_word":"mate.","sentiment":"neutral","sentiment_score":-0.008446911349892616},{"word":"what's","start":890.91003,"end":891.23004,"confidence":0.99853516,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":-0.021577268838882446},{"word":"going","start":891.23004,"end":891.47003,"confidence":0.9970703,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.01007218286395073},{"word":"on","start":891.47003,"end":891.63,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.01579301431775093},{"word":"with","start":891.63,"end":891.95,"confidence":0.66259766,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.020077157765626907},{"word":"them","start":891.95,"end":892.45,"confidence":0.9382324,"punctuated_word":"them?","sentiment":"neutral","sentiment_score":-0.025304488837718964},{"word":"yeah","start":922.56,"end":923.06,"confidence":0.79174805,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0901315212249756},{"word":"good","start":962.435,"end":962.935,"confidence":0.84033203,"punctuated_word":"Good.","sentiment":"neutral","sentiment_score":-0.11092352122068404},{"word":"sure","start":1030.88,"end":1031.38,"confidence":0.94799805,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":-0.07686448097229004},{"word":"okay","start":1056.13,"end":1056.63,"confidence":0.9946289,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.032340969890356064},{"word":"yep","start":1103.705,"end":1104.205,"confidence":0.63391113,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.23288826644420624},{"word":"yeah","start":1149.235,"end":1149.735,"confidence":0.94506836,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2670254111289978},{"word":"good","start":1149.875,"end":1150.375,"confidence":0.9147949,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.37566328048706055},{"word":"yep","start":1187.075,"end":1187.575,"confidence":0.91015625,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04558940976858139},{"word":"okay","start":1205.0,"end":1205.5,"confidence":0.99560547,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2752858102321625},{"word":"so","start":1206.485,"end":1206.9651,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.22375436127185824},{"word":"what","start":1206.9651,"end":1207.4651,"confidence":0.9951172,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.19536192715168},{"word":"if","start":1208.645,"end":1208.805,"confidence":0.9921875,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.196859747171402},{"word":"i","start":1208.805,"end":1208.9651,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15631318092346191},{"word":"was","start":1208.9651,"end":1209.2051,"confidence":0.98291016,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.14069147408008575},{"word":"to","start":1209.2051,"end":1209.365,"confidence":0.96875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.051515933126211166},{"word":"say","start":1209.365,"end":1209.685,"confidence":0.9980469,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.13031849265098572},{"word":"to","start":1209.685,"end":1209.925,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12123752385377884},{"word":"you","start":1209.925,"end":1210.425,"confidence":0.9663086,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.13281303644180298},{"word":"you","start":1210.7251,"end":1210.885,"confidence":0.94140625,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11444440484046936},{"word":"know","start":1210.885,"end":1211.385,"confidence":0.9970703,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.18733394145965576},{"word":"what","start":1211.685,"end":1211.8451,"confidence":0.9921875,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.12954109907150269},{"word":"have","start":1211.8451,"end":1212.0851,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09739668667316435},{"word":"you","start":1212.0851,"end":1212.245,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11532856523990632},{"word":"done","start":1212.245,"end":1212.485,"confidence":0.99609375,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.11347289383411407},{"word":"in","start":1212.485,"end":1212.645,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10110805928707124},{"word":"the","start":1212.645,"end":1212.885,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11852019280195236},{"word":"last","start":1212.885,"end":1213.125,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.05771491676568985},{"word":"twelve","start":1213.125,"end":1213.4451,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.05660996958613396},{"word":"months","start":1213.4451,"end":1213.9451,"confidence":0.8220215,"punctuated_word":"months?","sentiment":"neutral","sentiment_score":0.08756262063980103},{"word":"yeah","start":1214.645,"end":1214.885,"confidence":0.798584,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04215023294091225},{"word":"how","start":1214.885,"end":1215.045,"confidence":0.9863281,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.015979107469320297},{"word":"much","start":1215.045,"end":1215.365,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.02128542959690094},{"word":"money","start":1215.365,"end":1215.605,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.043552350252866745},{"word":"have","start":1215.605,"end":1215.8451,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02301587536931038},{"word":"you","start":1215.8451,"end":1216.005,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03997449576854706},{"word":"made","start":1216.005,"end":1216.405,"confidence":1.0,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.04701162874698639},{"word":"for","start":1216.405,"end":1216.645,"confidence":0.98828125,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.024442624300718307},{"word":"me","start":1216.645,"end":1217.145,"confidence":0.9975586,"punctuated_word":"me?","sentiment":"neutral","sentiment_score":0.019040385261178017},{"word":"that's","start":1217.925,"end":1218.165,"confidence":0.97802734,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.0025422486942261457},{"word":"a","start":1218.165,"end":1218.245,"confidence":0.5390625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01864575780928135},{"word":"question","start":1218.245,"end":1218.7251,"confidence":0.92700195,"punctuated_word":"question,","sentiment":"neutral","sentiment_score":-0.02598174288868904},{"word":"isn't","start":1218.7251,"end":1219.125,"confidence":1.0,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.02651684917509556},{"word":"it","start":1219.125,"end":1219.285,"confidence":0.9838867,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.023336295038461685},{"word":"because","start":1219.285,"end":1219.785,"confidence":1.0,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.06534222513437271},{"word":"i","start":1220.21,"end":1220.37,"confidence":0.9873047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05738013982772827},{"word":"know","start":1220.37,"end":1220.61,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.06450150907039642},{"word":"you","start":1220.61,"end":1220.77,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07165858894586563},{"word":"guys","start":1220.77,"end":1221.17,"confidence":0.99902344,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":-0.07329635322093964},{"word":"might","start":1221.17,"end":1221.65,"confidence":0.40771484,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.0772358626127243},{"word":"charge","start":1221.65,"end":1222.05,"confidence":0.9716797,"punctuated_word":"charge","sentiment":"neutral","sentiment_score":-0.06175985932350159},{"word":"fees","start":1222.05,"end":1222.53,"confidence":0.9980469,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":-0.0645388588309288},{"word":"and","start":1222.53,"end":1222.6901,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.10495327413082124},{"word":"everything","start":1222.6901,"end":1223.1901,"confidence":0.8027344,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":-0.07667355984449387},{"word":"and","start":1224.21,"end":1224.71,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.046496905386447906},{"word":"i","start":1224.93,"end":1225.09,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.053242456167936325},{"word":"think","start":1225.09,"end":1225.5701,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.04129745438694954},{"word":"i","start":1225.5701,"end":1225.73,"confidence":0.6699219,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.042580701410770416},{"word":"when","start":1225.81,"end":1226.05,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.04842524975538254},{"word":"i","start":1226.05,"end":1226.29,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.045547232031822205},{"word":"started","start":1226.29,"end":1226.77,"confidence":0.951416,"punctuated_word":"started,","sentiment":"neutral","sentiment_score":-0.042473554611206055},{"word":"it","start":1226.77,"end":1227.01,"confidence":0.88671875,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04869962856173515},{"word":"was","start":1227.01,"end":1227.51,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.03886245936155319},{"word":"$4.5","start":1227.97,"end":1229.17,"confidence":0.9734497,"punctuated_word":"$4.5","sentiment":"neutral","sentiment_score":-0.031036049127578735},{"word":"or","start":1229.17,"end":1229.25,"confidence":0.9838867,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.04811493307352066},{"word":"something","start":1229.25,"end":1229.65,"confidence":0.984375,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.046334028244018555},{"word":"to","start":1229.65,"end":1229.89,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.044440485537052155},{"word":"start","start":1229.89,"end":1230.21,"confidence":0.9970703,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.028605790808796883},{"word":"up","start":1230.21,"end":1230.4501,"confidence":0.9873047,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.030675161629915237},{"word":"with","start":1230.4501,"end":1230.77,"confidence":0.98095703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.04888410121202469},{"word":"you","start":1230.77,"end":1231.01,"confidence":0.7285156,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.03884445130825043},{"word":"so","start":1231.01,"end":1231.51,"confidence":0.9873047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.04241378605365753},{"word":"no","start":1231.97,"end":1232.13,"confidence":0.9770508,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.0533393919467926},{"word":"one's","start":1232.13,"end":1232.4501,"confidence":0.99365234,"punctuated_word":"one's","sentiment":"neutral","sentiment_score":-0.08378823846578598},{"word":"actually","start":1232.4501,"end":1232.9501,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.07313607633113861},{"word":"told","start":1233.09,"end":1233.41,"confidence":1.0,"punctuated_word":"told","sentiment":"neutral","sentiment_score":-0.0907820537686348},{"word":"me","start":1233.41,"end":1233.65,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.08428841084241867},{"word":"or","start":1233.65,"end":1234.15,"confidence":0.9970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.11090154945850372},{"word":"informed","start":1234.29,"end":1234.77,"confidence":0.9472656,"punctuated_word":"informed","sentiment":"neutral","sentiment_score":-0.11354313790798189},{"word":"me","start":1234.77,"end":1235.01,"confidence":0.9980469,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.10823043435811996},{"word":"of","start":1235.01,"end":1235.51,"confidence":0.8395996,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.1143725961446762},{"word":"yeah","start":1236.105,"end":1236.265,"confidence":0.94677734,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.10678864270448685},{"word":"i","start":1236.265,"end":1236.345,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10271947830915452},{"word":"don't","start":1236.345,"end":1236.825,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.11728321015834808},{"word":"know","start":1236.825,"end":1237.065,"confidence":0.9980469,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.14386555552482605},{"word":"how","start":1237.065,"end":1237.385,"confidence":0.9941406,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.15099769830703735},{"word":"my","start":1237.385,"end":1237.545,"confidence":0.9550781,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.16738414764404297},{"word":"soup","start":1237.545,"end":1237.865,"confidence":0.50927734,"punctuated_word":"soup","sentiment":"neutral","sentiment_score":-0.1198580041527748},{"word":"is","start":1237.865,"end":1238.025,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.09757280349731444},{"word":"going","start":1238.025,"end":1238.525,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.09002472460269928},{"word":"in","start":1239.145,"end":1239.385,"confidence":0.3503418,"punctuated_word":"in","sentiment":"neutral","sentiment_score":6.847083568572998e-6},{"word":"fact","start":1239.385,"end":1239.885,"confidence":0.8984375,"punctuated_word":"fact.","sentiment":"neutral","sentiment_score":0.04406452924013138},{"word":"yes","start":1240.425,"end":1240.825,"confidence":0.90527344,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.089620441198349},{"word":"so","start":1240.825,"end":1241.225,"confidence":0.96533203,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0521017424762249},{"word":"that's","start":1241.225,"end":1241.465,"confidence":0.99853516,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.08493958413600922},{"word":"what","start":1241.465,"end":1241.705,"confidence":0.97314453,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.07612122595310211},{"word":"i","start":1241.705,"end":1241.865,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04587994143366814},{"word":"wouldn't","start":1241.865,"end":1242.1849,"confidence":0.9995117,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":0.022958561778068542},{"word":"mind","start":1242.1849,"end":1242.6849,"confidence":1.0,"punctuated_word":"mind","sentiment":"neutral","sentiment_score":0.003384910523891449},{"word":"knowing","start":1242.745,"end":1243.245,"confidence":0.9777832,"punctuated_word":"knowing.","sentiment":"neutral","sentiment_score":0.012767811305820942},{"word":"yeah","start":1244.105,"end":1244.605,"confidence":0.8432617,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09173662960529327},{"word":"yes","start":1274.485,"end":1274.985,"confidence":0.98339844,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.009085116907954216},{"word":"sure","start":1276.725,"end":1277.225,"confidence":0.90771484,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.02268657274544239},{"word":"i","start":1316.89,"end":1317.0499,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1898355484008789},{"word":"mean","start":1317.0499,"end":1317.5499,"confidence":0.8972168,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.22840526700019836},{"word":"yeah","start":1317.61,"end":1317.9299,"confidence":0.861084,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.163323774933815},{"word":"what","start":1317.9299,"end":1318.25,"confidence":0.9941406,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.07010409981012344},{"word":"i","start":1318.25,"end":1318.75,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03621641919016838},{"word":"wonder","start":1318.89,"end":1319.39,"confidence":0.90625,"punctuated_word":"wonder","sentiment":"neutral","sentiment_score":0.0249059796333313},{"word":"or","start":1319.5299,"end":1320.01,"confidence":0.9770508,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.024142010137438778},{"word":"ask","start":1320.01,"end":1320.4099,"confidence":0.9941406,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.02153589576482773},{"word":"is","start":1320.4099,"end":1320.855,"confidence":0.90600586,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.02845275402069092},{"word":"you","start":1321.735,"end":1321.815,"confidence":0.66259766,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01993144489824772},{"word":"know","start":1321.815,"end":1322.135,"confidence":0.99609375,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.030969899147748947},{"word":"when","start":1322.135,"end":1322.535,"confidence":0.93603516,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.0312558189034462},{"word":"cbus","start":1322.535,"end":1323.035,"confidence":0.45458984,"punctuated_word":"Cbus","sentiment":"neutral","sentiment_score":0.03354703634977341},{"word":"or","start":1323.255,"end":1323.495,"confidence":0.8618164,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.04395424574613571},{"word":"some","start":1323.495,"end":1323.735,"confidence":0.9892578,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.04373311996459961},{"word":"of","start":1323.735,"end":1323.815,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0419149249792099},{"word":"them","start":1323.815,"end":1324.0549,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.021414481103420258},{"word":"say","start":1324.0549,"end":1324.375,"confidence":0.94921875,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.0514269545674324},{"word":"oh","start":1324.375,"end":1324.535,"confidence":0.9165039,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.0917767733335495},{"word":"we","start":1324.535,"end":1324.855,"confidence":0.4975586,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10259269177913666},{"word":"can","start":1324.855,"end":1325.1749,"confidence":0.9003906,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07816612720489502},{"word":"make","start":1325.1749,"end":1325.415,"confidence":0.9921875,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.07596553862094879},{"word":"it","start":1325.415,"end":1325.575,"confidence":0.5629883,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0751309022307396},{"word":"9%","start":1325.575,"end":1326.395,"confidence":0.95129395,"punctuated_word":"9%.","sentiment":"neutral","sentiment_score":0.05952564999461174},{"word":"yeah","start":1327.015,"end":1327.335,"confidence":0.7697754,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.018314704298973083},{"word":"should","start":1327.335,"end":1327.575,"confidence":0.99316406,"punctuated_word":"Should","sentiment":"neutral","sentiment_score":0.002137497067451477},{"word":"i","start":1327.575,"end":1327.895,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.020132455974817276},{"word":"just","start":1327.895,"end":1328.215,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.018396075814962387},{"word":"have","start":1328.215,"end":1328.455,"confidence":0.9892578,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.012231521308422089},{"word":"my","start":1328.455,"end":1328.695,"confidence":0.9970703,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.005586400628089905},{"word":"money","start":1328.695,"end":1329.015,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.004645060747861862},{"word":"in","start":1329.015,"end":1329.255,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.006342444568872452},{"word":"another","start":1329.255,"end":1329.755,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.0024129003286361694},{"word":"place","start":1329.975,"end":1330.475,"confidence":0.717041,"punctuated_word":"place,","sentiment":"neutral","sentiment_score":0.003641456365585327},{"word":"like","start":1330.535,"end":1331.015,"confidence":0.8935547,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.023785924538969994},{"word":"four","start":1331.015,"end":1331.255,"confidence":0.66308594,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.0008693002164363861},{"word":"i","start":1331.415,"end":1331.575,"confidence":0.8964844,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.004694327712059021},{"word":"know","start":1331.575,"end":1332.075,"confidence":0.9980469,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.01151522621512413},{"word":"we've","start":1332.375,"end":1332.615,"confidence":0.9838867,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.0010032157879322767},{"word":"had","start":1332.615,"end":1332.855,"confidence":0.9941406,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.01880653202533722},{"word":"a","start":1332.855,"end":1332.9349,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.012221239507198334},{"word":"lot","start":1332.9349,"end":1333.1749,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.03425389900803566},{"word":"of","start":1333.1749,"end":1333.6749,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04025927186012268},{"word":"drama","start":1333.735,"end":1334.215,"confidence":0.9421387,"punctuated_word":"drama,","sentiment":"neutral","sentiment_score":-0.04830550029873848},{"word":"but","start":1334.215,"end":1334.715,"confidence":0.9785156,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.0030943453311920166},{"word":"you","start":1334.9299,"end":1335.09,"confidence":0.87890625,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.011256642639636992},{"word":"know","start":1335.09,"end":1335.1699,"confidence":0.9970703,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.006647820584475994},{"word":"what's","start":1335.1699,"end":1335.25,"confidence":0.9995117,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.005700826179236174},{"word":"bank","start":1335.25,"end":1335.75,"confidence":0.9716797,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":-0.0042123980820178986},{"word":"interest","start":1336.0499,"end":1336.53,"confidence":0.9980469,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":-0.0069637540727853775},{"word":"at","start":1336.53,"end":1336.69,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.008403204381465912},{"word":"the","start":1336.69,"end":1336.77,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0015187039971351624},{"word":"moment","start":1336.77,"end":1337.27,"confidence":0.9951172,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.0014419211074709892},{"word":"five","start":1337.89,"end":1338.39,"confidence":0.9562988,"punctuated_word":"Five?","sentiment":"neutral","sentiment_score":0.006487345788627863},{"word":"yes","start":1346.85,"end":1347.35,"confidence":0.92407227,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.04217224195599556},{"word":"yeah","start":1347.97,"end":1348.47,"confidence":0.8029785,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03142767399549484},{"word":"right","start":1362.205,"end":1362.705,"confidence":0.74658203,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.039378464221954346},{"word":"because","start":1385.465,"end":1385.965,"confidence":0.7807617,"punctuated_word":"Because.","sentiment":"neutral","sentiment_score":-0.0034637851640582085},{"word":"i","start":1395.0901,"end":1395.17,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03825694322586059},{"word":"mean","start":1395.17,"end":1395.41,"confidence":0.9926758,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.03003249689936638},{"word":"i","start":1395.41,"end":1395.5701,"confidence":0.97265625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.033226482570171356},{"word":"suppose","start":1395.5701,"end":1396.05,"confidence":0.9970703,"punctuated_word":"suppose","sentiment":"neutral","sentiment_score":-0.040349483489990234},{"word":"as","start":1396.05,"end":1396.13,"confidence":0.47753906,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.03733307123184204},{"word":"short","start":1396.13,"end":1396.37,"confidence":0.9633789,"punctuated_word":"short","sentiment":"neutral","sentiment_score":-0.03187831491231918},{"word":"of","start":1396.37,"end":1396.53,"confidence":0.7524414,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0279126800596714},{"word":"it","start":1396.53,"end":1396.61,"confidence":0.98828125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.028023339807987213},{"word":"is","start":1396.61,"end":1396.8501,"confidence":0.96069336,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":-0.03465062752366066},{"word":"i","start":1396.8501,"end":1397.0901,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.017470303922891617},{"word":"just","start":1397.0901,"end":1397.3301,"confidence":0.89501953,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.013225913047790527},{"word":"wanna","start":1397.3301,"end":1397.8301,"confidence":0.9448242,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.021717246621847153},{"word":"be","start":1397.89,"end":1398.2101,"confidence":0.9248047,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03161310404539108},{"word":"the","start":1398.2101,"end":1398.4501,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.017814025282859802},{"word":"best","start":1398.4501,"end":1398.93,"confidence":0.99902344,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.015314452350139618},{"word":"possible","start":1398.93,"end":1399.43,"confidence":0.99902344,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":0.021065786480903625},{"word":"outcome","start":1399.5701,"end":1399.9701,"confidence":0.9970703,"punctuated_word":"outcome","sentiment":"neutral","sentiment_score":0.04794216901063919},{"word":"i","start":1399.9701,"end":1400.13,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.013740766793489456},{"word":"can","start":1400.13,"end":1400.37,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.016950905323028564},{"word":"have","start":1400.37,"end":1400.6901,"confidence":0.9951172,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.009459413588047028},{"word":"because","start":1400.6901,"end":1401.1901,"confidence":0.9001465,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":0.01765766739845276},{"word":"you","start":1401.25,"end":1401.41,"confidence":0.70947266,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.015561528503894806},{"word":"know","start":1401.41,"end":1401.5701,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.012648586183786392},{"word":"i'm","start":1401.5701,"end":1401.81,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.0833669900894165},{"word":"getting","start":1401.81,"end":1402.2101,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.09530792385339736},{"word":"older","start":1402.2101,"end":1402.4501,"confidence":0.9448242,"punctuated_word":"older","sentiment":"neutral","sentiment_score":-0.07082575559616089},{"word":"by","start":1402.4501,"end":1402.6901,"confidence":0.9921875,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.0912073329091072},{"word":"the","start":1402.6901,"end":1402.8501,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09207622706890106},{"word":"day","start":1402.8501,"end":1403.3301,"confidence":0.99902344,"punctuated_word":"day","sentiment":"neutral","sentiment_score":-0.08187752962112427},{"word":"like","start":1403.3301,"end":1403.5701,"confidence":0.78271484,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.06856979429721832},{"word":"everyone","start":1403.5701,"end":1404.05,"confidence":0.9980469,"punctuated_word":"everyone","sentiment":"neutral","sentiment_score":-0.05005143955349922},{"word":"else","start":1404.05,"end":1404.4501,"confidence":0.7631836,"punctuated_word":"else.","sentiment":"neutral","sentiment_score":0.06061214581131935},{"word":"and","start":1404.4501,"end":1404.9501,"confidence":0.7866211,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.13720808923244476},{"word":"yeah","start":1417.115,"end":1417.615,"confidence":0.8466797,"punctuated_word":"yeah.","sentiment":"positive","sentiment_score":0.4182996153831482},{"word":"well","start":1463.915,"end":1464.235,"confidence":0.96191406,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.06750685721635818},{"word":"can","start":1464.235,"end":1464.475,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.04057197645306587},{"word":"you","start":1464.475,"end":1464.975,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06303097307682037},{"word":"can't","start":1465.195,"end":1465.515,"confidence":0.8859863,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":0.04562874883413315},{"word":"you","start":1465.515,"end":1465.995,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02861956506967545},{"word":"look","start":1465.995,"end":1466.235,"confidence":0.99609375,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.03400442376732826},{"word":"at","start":1466.235,"end":1466.475,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02102924138307571},{"word":"what","start":1466.475,"end":1466.795,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.019676290452480316},{"word":"i've","start":1466.795,"end":1467.295,"confidence":0.97558594,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.0162468533962965},{"word":"had","start":1467.355,"end":1467.755,"confidence":0.9970703,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.03422378748655319},{"word":"in","start":1467.755,"end":1468.235,"confidence":0.98535156,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.021511096507310867},{"word":"c","start":1468.235,"end":1468.475,"confidence":0.31713867,"punctuated_word":"c","sentiment":"neutral","sentiment_score":0.01902547851204872},{"word":"bus","start":1468.475,"end":1468.795,"confidence":0.5917969,"punctuated_word":"bus","sentiment":"neutral","sentiment_score":0.015541661530733109},{"word":"and","start":1468.795,"end":1469.115,"confidence":0.9580078,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.006077449768781662},{"word":"go","start":1469.115,"end":1469.615,"confidence":0.7393799,"punctuated_word":"go,","sentiment":"neutral","sentiment_score":0.022507235407829285},{"word":"well","start":1470.235,"end":1470.635,"confidence":0.7741699,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.019312433898448944},{"word":"you","start":1470.635,"end":1470.795,"confidence":0.58740234,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03142332285642624},{"word":"had","start":1470.795,"end":1471.115,"confidence":0.94140625,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.032990649342536926},{"word":"this","start":1471.115,"end":1471.355,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.04296516254544258},{"word":"at","start":1471.355,"end":1471.595,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.019106794148683548},{"word":"the","start":1471.595,"end":1471.755,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02953731268644333},{"word":"start","start":1471.755,"end":1472.075,"confidence":0.97802734,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.05296864360570907},{"word":"and","start":1472.075,"end":1472.235,"confidence":0.52490234,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04102688282728195},{"word":"now","start":1472.235,"end":1472.475,"confidence":0.9199219,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.024008698761463165},{"word":"you've","start":1472.475,"end":1472.715,"confidence":0.9838867,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.06667333841323853},{"word":"got","start":1472.715,"end":1472.955,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0675870031118393},{"word":"this","start":1472.955,"end":1473.4349,"confidence":0.72265625,"punctuated_word":"this.","sentiment":"neutral","sentiment_score":0.03801813721656799},{"word":"so","start":1473.4349,"end":1473.6749,"confidence":0.83935547,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03734017163515091},{"word":"here's","start":1473.6749,"end":1473.915,"confidence":0.8769531,"punctuated_word":"here's","sentiment":"neutral","sentiment_score":0.040039755403995514},{"word":"your","start":1473.915,"end":1474.235,"confidence":0.9921875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04624390974640846},{"word":"percentage","start":1474.235,"end":1474.735,"confidence":0.8835449,"punctuated_word":"percentage.","sentiment":"neutral","sentiment_score":0.05575261265039444},{"word":"yeah","start":1522.8351,"end":1523.0751,"confidence":0.861084,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.5871493816375732},{"word":"i","start":1523.0751,"end":1523.235,"confidence":0.9301758,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0908016785979271},{"word":"under","start":1523.235,"end":1523.555,"confidence":0.56152344,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.07435692101716995},{"word":"i","start":1523.7151,"end":1523.875,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.041438210755586624},{"word":"understand","start":1523.875,"end":1524.375,"confidence":0.9980469,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":0.05088073015213013},{"word":"that","start":1524.435,"end":1524.935,"confidence":0.9921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.031267620623111725},{"word":"because","start":1524.995,"end":1525.3151,"confidence":0.4645996,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.03687555342912674},{"word":"you","start":1525.3151,"end":1525.555,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06342802196741104},{"word":"thought","start":1525.555,"end":1525.875,"confidence":0.20385742,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":0.01739402301609516},{"word":"you're","start":1525.875,"end":1526.115,"confidence":0.7873535,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.02811211347579956},{"word":"upfront","start":1526.115,"end":1526.615,"confidence":0.6220703,"punctuated_word":"upfront","sentiment":"neutral","sentiment_score":0.02536820247769356},{"word":"right","start":1526.675,"end":1526.995,"confidence":0.96972656,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.050679732114076614},{"word":"from","start":1526.995,"end":1527.235,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.0693013072013855},{"word":"the","start":1527.235,"end":1527.395,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0709935799241066},{"word":"start","start":1527.395,"end":1527.7151,"confidence":0.99902344,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.1107831448316574},{"word":"that","start":1527.7151,"end":1527.875,"confidence":0.8769531,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05359967052936554},{"word":"i","start":1527.875,"end":1527.9551,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1306726634502411},{"word":"could","start":1527.9551,"end":1528.1951,"confidence":0.9326172,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.11863873898983002},{"word":"do","start":1528.1951,"end":1528.3551,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08388639986515045},{"word":"that","start":1528.3551,"end":1528.5951,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08351194858551025},{"word":"anytime","start":1528.5951,"end":1529.0951,"confidence":0.8757324,"punctuated_word":"anytime.","sentiment":"neutral","sentiment_score":0.05140849947929382},{"word":"but","start":1529.58,"end":1529.82,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.02313239872455597},{"word":"i","start":1529.82,"end":1530.1799,"confidence":0.71484375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.005775868892669678},{"word":"suppose","start":1530.1799,"end":1530.5399,"confidence":0.90185547,"punctuated_word":"suppose,","sentiment":"neutral","sentiment_score":0.01669381558895111},{"word":"you","start":1530.5399,"end":1530.7799,"confidence":0.97314453,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.020056530833244324},{"word":"know","start":1530.7799,"end":1531.1799,"confidence":0.9926758,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.03878144919872284},{"word":"i've","start":1531.1799,"end":1531.6799,"confidence":0.7468262,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.09354639053344728},{"word":"i'm","start":1531.74,"end":1531.9,"confidence":0.5587158,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.14151445031166077},{"word":"trust","start":1531.9,"end":1532.06,"confidence":0.6899414,"punctuated_word":"trust","sentiment":"neutral","sentiment_score":0.1523817926645279},{"word":"and","start":1532.22,"end":1532.38,"confidence":0.69677734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.178478941321373},{"word":"trust","start":1532.38,"end":1532.7,"confidence":0.5332031,"punctuated_word":"trust","sentiment":"neutral","sentiment_score":0.16177226603031158},{"word":"in","start":1532.7,"end":1532.94,"confidence":0.890625,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.30316025018692017},{"word":"you","start":1532.94,"end":1533.1799,"confidence":0.8881836,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2999063730239868},{"word":"guys","start":1533.1799,"end":1533.58,"confidence":0.99609375,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.3099791705608368},{"word":"who","start":1533.58,"end":1533.74,"confidence":0.52685547,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.28947409987449646},{"word":"will","start":1533.74,"end":1533.82,"confidence":0.92578125,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.29893946647644043},{"word":"go","start":1533.82,"end":1534.32,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.3173550069332123},{"word":"better","start":1534.7799,"end":1535.1799,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.23715326189994812},{"word":"than","start":1535.1799,"end":1535.58,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.0387263298034668},{"word":"what","start":1535.58,"end":1536.08,"confidence":0.99609375,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.13000968098640442},{"word":"c","start":1536.22,"end":1536.46,"confidence":0.21582031,"punctuated_word":"C","sentiment":"neutral","sentiment_score":0.015080168843269348},{"word":"plus","start":1536.46,"end":1536.7799,"confidence":0.28466797,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":0.08388391882181168},{"word":"are","start":1536.7799,"end":1536.94,"confidence":0.67089844,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.06736072897911072},{"word":"claiming","start":1536.94,"end":1537.4199,"confidence":0.95458984,"punctuated_word":"claiming.","sentiment":"neutral","sentiment_score":0.06461147964000702},{"word":"so","start":1537.4199,"end":1537.9199,"confidence":0.97314453,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.06480959057807922},{"word":"you","start":1538.02,"end":1538.52,"confidence":0.9838867,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04493163898587227},{"word":"know","start":1538.62,"end":1538.94,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.06648427993059158},{"word":"if","start":1538.94,"end":1539.1,"confidence":0.99121094,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06528308987617493},{"word":"you","start":1539.1,"end":1539.4199,"confidence":0.984375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04436144977807999},{"word":"yeah","start":1539.98,"end":1540.22,"confidence":0.7458496,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.0412696972489357},{"word":"i'm","start":1540.22,"end":1540.5399,"confidence":0.95214844,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.033008068799972534},{"word":"a","start":1540.5399,"end":1541.02,"confidence":0.55908203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03065239824354649},{"word":"i","start":1541.1,"end":1541.6,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01109323650598526},{"word":"used","start":1541.82,"end":1541.9,"confidence":0.99902344,"punctuated_word":"used","sentiment":"neutral","sentiment_score":0.012486521154642103},{"word":"to","start":1541.9,"end":1542.0599,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01368265226483345},{"word":"be","start":1542.0599,"end":1542.2999,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.006946621462702751},{"word":"a","start":1542.2999,"end":1542.46,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0130624333396554},{"word":"bookmaker","start":1542.46,"end":1542.96,"confidence":0.86083984,"punctuated_word":"bookmaker.","sentiment":"neutral","sentiment_score":0.004860500805079937},{"word":"i've","start":1543.26,"end":1543.4199,"confidence":0.70983887,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.029167018830776215},{"word":"worked","start":1543.4199,"end":1543.6599,"confidence":0.97265625,"punctuated_word":"worked","sentiment":"neutral","sentiment_score":0.03592410683631897},{"word":"with","start":1543.6599,"end":1543.9,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.02898668684065342},{"word":"a","start":1543.9,"end":1543.98,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03170126676559448},{"word":"bookmaker","start":1543.98,"end":1544.48,"confidence":0.8439128,"punctuated_word":"bookmaker.","sentiment":"neutral","sentiment_score":0.01306360773742199},{"word":"so","start":1544.62,"end":1545.12,"confidence":0.97314453,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.033178430050611496},{"word":"it","start":1545.3949,"end":1545.5549,"confidence":0.46972656,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08078291267156601},{"word":"basically","start":1545.5549,"end":1546.0549,"confidence":0.9921875,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.020239733159542084},{"word":"got","start":1546.2749,"end":1546.6749,"confidence":0.9980469,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.01280372217297554},{"word":"this","start":1546.6749,"end":1546.995,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.04354061931371689},{"word":"side","start":1546.995,"end":1547.235,"confidence":0.9980469,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.035926174372434616},{"word":"of","start":1547.235,"end":1547.3949,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.026227980852127075},{"word":"the","start":1547.3949,"end":1547.5549,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02490677312016487},{"word":"ledger","start":1547.5549,"end":1547.955,"confidence":0.9951172,"punctuated_word":"ledger","sentiment":"neutral","sentiment_score":0.014437977224588394},{"word":"and","start":1547.955,"end":1548.115,"confidence":0.8588867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01468631997704506},{"word":"that","start":1548.115,"end":1548.355,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.014002658426761627},{"word":"side","start":1548.355,"end":1548.595,"confidence":0.91137695,"punctuated_word":"side.","sentiment":"neutral","sentiment_score":0.027147388085722923},{"word":"it's","start":1548.595,"end":1548.995,"confidence":0.99658203,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.02867112308740616},{"word":"basic","start":1548.995,"end":1549.475,"confidence":0.9951172,"punctuated_word":"basic","sentiment":"neutral","sentiment_score":0.03168582171201706},{"word":"maths","start":1549.475,"end":1549.875,"confidence":0.8388672,"punctuated_word":"maths.","sentiment":"neutral","sentiment_score":0.03295876085758209},{"word":"right","start":1549.875,"end":1550.375,"confidence":0.9946289,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.009605009108781816},{"word":"i","start":1550.9149,"end":1550.995,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07060539722442627},{"word":"mean","start":1550.995,"end":1551.315,"confidence":0.99902344,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.06434113532304764},{"word":"i'm","start":1551.315,"end":1551.475,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.10981354117393494},{"word":"not","start":1551.475,"end":1551.715,"confidence":0.9980469,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.20942169427871704},{"word":"i","start":1551.7949,"end":1551.955,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.22162514925003052},{"word":"don't","start":1551.955,"end":1552.455,"confidence":0.9975586,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.21778379380702972},{"word":"understand","start":1552.6749,"end":1553.1749,"confidence":1.0,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":-0.21021217107772827},{"word":"every","start":1553.315,"end":1553.715,"confidence":0.9980469,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.13812287151813507},{"word":"share","start":1553.715,"end":1554.0349,"confidence":0.9980469,"punctuated_word":"share","sentiment":"neutral","sentiment_score":-0.13269096612930298},{"word":"that","start":1554.0349,"end":1554.2749,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1559903919696808},{"word":"you're","start":1554.2749,"end":1554.595,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.13200274109840393},{"word":"investing","start":1554.595,"end":1555.095,"confidence":0.99902344,"punctuated_word":"investing","sentiment":"neutral","sentiment_score":-0.08513044565916061},{"word":"in","start":1555.1549,"end":1555.475,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.16786880791187286},{"word":"and","start":1555.475,"end":1555.975,"confidence":0.8676758,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1359143853187561},{"word":"all","start":1556.4349,"end":1556.6749,"confidence":0.97998047,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.17083042860031128},{"word":"that","start":1556.6749,"end":1556.9149,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.12767009437084198},{"word":"list","start":1556.9149,"end":1557.235,"confidence":0.54003906,"punctuated_word":"list","sentiment":"neutral","sentiment_score":-0.1904408037662506},{"word":"on","start":1557.235,"end":1557.3949,"confidence":0.9970703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.1193324849009514},{"word":"the","start":1557.3949,"end":1557.5549,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13890084624290466},{"word":"page","start":1557.5549,"end":1557.955,"confidence":0.90063477,"punctuated_word":"page.","sentiment":"neutral","sentiment_score":-0.17895108461380005},{"word":"i","start":1557.955,"end":1558.115,"confidence":0.96777344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.23577414453029633},{"word":"don't","start":1558.115,"end":1558.4349,"confidence":0.9675293,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.22403380274772644},{"word":"i","start":1558.4349,"end":1558.6749,"confidence":0.83984375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2134416401386261},{"word":"don't","start":1558.6749,"end":1558.9149,"confidence":0.9980469,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.23088394105434415},{"word":"even","start":1558.9149,"end":1559.1549,"confidence":0.99609375,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.1853271722793579},{"word":"know","start":1559.1549,"end":1559.3949,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.20899496972560885},{"word":"what","start":1559.3949,"end":1559.6349,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.1693129539489746},{"word":"half","start":1559.6349,"end":1559.7949,"confidence":0.99609375,"punctuated_word":"half","sentiment":"neutral","sentiment_score":-0.1630227267742157},{"word":"of","start":1559.7949,"end":1559.955,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1634618192911148},{"word":"those","start":1559.955,"end":1560.2749,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.17030996084213257},{"word":"are","start":1560.2749,"end":1560.7749,"confidence":0.81518555,"punctuated_word":"are.","sentiment":"neutral","sentiment_score":-0.19489452242851257},{"word":"but","start":1561.0399,"end":1561.44,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.10933060944080351},{"word":"yeah","start":1561.84,"end":1562.1599,"confidence":0.9477539,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.05400274693965912},{"word":"you","start":1562.1599,"end":1562.3999,"confidence":0.99121094,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.07215118408203125},{"word":"know","start":1562.3999,"end":1562.5599,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.09374570846557616},{"word":"what","start":1562.5599,"end":1562.7999,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.06142983213067055},{"word":"i","start":1562.7999,"end":1562.88,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05438768491148949},{"word":"mean","start":1562.88,"end":1563.2,"confidence":0.99316406,"punctuated_word":"mean?","sentiment":"neutral","sentiment_score":-0.041270092129707336},{"word":"all","start":1563.2,"end":1563.44,"confidence":0.9838867,"punctuated_word":"All","sentiment":"neutral","sentiment_score":-0.07464610040187836},{"word":"i","start":1563.44,"end":1563.6,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09819474816322328},{"word":"want","start":1563.6,"end":1563.9199,"confidence":0.98828125,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.09373648464679718},{"word":"at","start":1563.9199,"end":1564.0,"confidence":0.9707031,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06098943203687668},{"word":"the","start":1564.0,"end":1564.1599,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05791536718606949},{"word":"end","start":1564.1599,"end":1564.32,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":-0.022686690092086792},{"word":"of","start":1564.32,"end":1564.3999,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.031539469957351685},{"word":"the","start":1564.3999,"end":1564.48,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03016521781682968},{"word":"day","start":1564.48,"end":1564.7999,"confidence":1.0,"punctuated_word":"day","sentiment":"neutral","sentiment_score":-0.0013140961527824402},{"word":"is","start":1564.7999,"end":1565.2999,"confidence":0.9177246,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":-0.006944738328456879},{"word":"you","start":1565.6,"end":1565.76,"confidence":0.6699219,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.11266610026359558},{"word":"know","start":1565.76,"end":1566.0,"confidence":0.99609375,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.12234532088041306},{"word":"will","start":1566.0,"end":1566.24,"confidence":0.9873047,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.11751361191272736},{"word":"i","start":1566.24,"end":1566.32,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15433721244335177},{"word":"be","start":1566.32,"end":1566.5599,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.22105394303798676},{"word":"better","start":1566.5599,"end":1566.88,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.2402993440628052},{"word":"off","start":1566.88,"end":1567.2,"confidence":0.99316406,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.20778778195381165},{"word":"staying","start":1567.2,"end":1567.52,"confidence":0.9970703,"punctuated_word":"staying","sentiment":"neutral","sentiment_score":-0.1271098554134369},{"word":"with","start":1567.52,"end":1567.76,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.16723567247390747},{"word":"you","start":1567.76,"end":1568.0,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1529729664325714},{"word":"guys","start":1568.0,"end":1568.24,"confidence":0.9980469,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":-0.06231206655502319},{"word":"for","start":1568.24,"end":1568.48,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.06817733496427536},{"word":"another","start":1568.48,"end":1568.7999,"confidence":0.99902344,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.04908884316682816},{"word":"twelve","start":1568.7999,"end":1569.12,"confidence":1.0,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.10187290608882904},{"word":"months","start":1569.12,"end":1569.44,"confidence":0.8581543,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":-0.07534898072481155},{"word":"or","start":1569.44,"end":1569.94,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.1727675348520279},{"word":"am","start":1570.08,"end":1570.1599,"confidence":0.9970703,"punctuated_word":"am","sentiment":"neutral","sentiment_score":-0.21163147687911987},{"word":"i","start":1570.1599,"end":1570.32,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.18161961436271667},{"word":"gonna","start":1570.32,"end":1570.72,"confidence":0.94628906,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.21733029186725616},{"word":"be","start":1570.72,"end":1570.88,"confidence":0.99316406,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.19813428819179535},{"word":"better","start":1570.88,"end":1571.12,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.20631538331508636},{"word":"off","start":1571.12,"end":1571.6,"confidence":0.9873047,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.17649513483047485},{"word":"going","start":1571.6,"end":1571.9199,"confidence":0.984375,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.18831561505794525},{"word":"back","start":1571.9199,"end":1572.24,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.15196353197097778},{"word":"to","start":1572.24,"end":1572.74,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.17795583605766296},{"word":"see","start":1573.335,"end":1573.575,"confidence":0.23925781,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.13370467722415924},{"word":"bus","start":1573.575,"end":1573.895,"confidence":0.36987305,"punctuated_word":"Bus","sentiment":"neutral","sentiment_score":-0.06535818427801132},{"word":"two","start":1573.895,"end":1574.215,"confidence":0.52246094,"punctuated_word":"two?","sentiment":"neutral","sentiment_score":-0.11421409249305724},{"word":"i","start":1574.215,"end":1574.375,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.13879361748695374},{"word":"mean","start":1574.375,"end":1574.615,"confidence":0.99902344,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.09994380921125412},{"word":"i","start":1574.615,"end":1574.9349,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03911319375038147},{"word":"trust","start":1574.9349,"end":1575.255,"confidence":0.51220703,"punctuated_word":"trust","sentiment":"neutral","sentiment_score":-0.0635206401348114},{"word":"them","start":1575.255,"end":1575.575,"confidence":0.97998047,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.002097412943840027},{"word":"because","start":1575.575,"end":1575.975,"confidence":0.9716797,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.011418715119361876},{"word":"i'm","start":1575.975,"end":1576.135,"confidence":0.99853516,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.028134774416685104},{"word":"a","start":1576.135,"end":1576.2949,"confidence":0.9658203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.003752671182155609},{"word":"tradie","start":1576.2949,"end":1576.7949,"confidence":0.9555664,"punctuated_word":"tradie.","sentiment":"neutral","sentiment_score":-0.145229309797287},{"word":"do","start":1577.095,"end":1577.175,"confidence":0.86279297,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.09887885302305222},{"word":"you","start":1577.175,"end":1577.255,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08928944170475006},{"word":"know","start":1577.255,"end":1577.4149,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.10150689631700516},{"word":"what","start":1577.4149,"end":1577.575,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.07176587730646133},{"word":"i","start":1577.575,"end":1577.655,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06776804476976395},{"word":"mean","start":1577.655,"end":1578.155,"confidence":1.0,"punctuated_word":"mean?","sentiment":"neutral","sentiment_score":-0.04145852103829384},{"word":"so","start":1578.375,"end":1578.695,"confidence":0.9873047,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.016946565359830856},{"word":"that's","start":1578.695,"end":1579.195,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.003702644258737564},{"word":"how","start":1579.255,"end":1579.755,"confidence":0.5957031,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.05810165777802467},{"word":"it","start":1580.2949,"end":1580.455,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06631705164909363},{"word":"is","start":1580.455,"end":1580.955,"confidence":0.98706055,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.05826988443732262},{"word":"that's","start":1581.975,"end":1582.375,"confidence":0.8952637,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.01431279443204403},{"word":"that's","start":1582.375,"end":1582.695,"confidence":0.99560547,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.14486345648765564},{"word":"the","start":1582.695,"end":1582.775,"confidence":0.9770508,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19683298468589783},{"word":"short","start":1582.775,"end":1583.095,"confidence":0.9448242,"punctuated_word":"short","sentiment":"neutral","sentiment_score":-0.11304888129234314},{"word":"of","start":1583.095,"end":1583.1749,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11962702125310898},{"word":"it","start":1583.1749,"end":1583.6749,"confidence":0.97558594,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.1063590571284294},{"word":"so","start":1584.215,"end":1584.715,"confidence":0.80908203,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07178514450788498},{"word":"yeah","start":1595.92,"end":1596.42,"confidence":0.9211426,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.21333619952201843},{"word":"oh","start":1607.235,"end":1607.395,"confidence":0.64294434,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.15361398458480835},{"word":"that's","start":1607.395,"end":1607.795,"confidence":0.9831543,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.28316259384155273},{"word":"great","start":1607.795,"end":1608.295,"confidence":0.9980469,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.3387221693992615},{"word":"sure","start":1639.395,"end":1639.895,"confidence":0.8000488,"punctuated_word":"Sure.","sentiment":"positive","sentiment_score":0.4200504422187805},{"word":"but","start":1661.1951,"end":1661.5951,"confidence":0.32592773,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.06646648049354553},{"word":"i'd","start":1661.5951,"end":1661.8351,"confidence":0.86157227,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.07675985991954803},{"word":"be","start":1661.8351,"end":1662.0751,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.07478014379739761},{"word":"able","start":1662.0751,"end":1662.2351,"confidence":0.46704102,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.08058127760887146},{"word":"to","start":1662.2351,"end":1662.3151,"confidence":0.6567383,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07548007369041443},{"word":"would","start":1662.4751,"end":1662.635,"confidence":0.91503906,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.08493536710739136},{"word":"that","start":1662.635,"end":1662.875,"confidence":0.9038086,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09109745919704436},{"word":"be","start":1662.875,"end":1663.035,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.11516406387090684},{"word":"easier","start":1663.035,"end":1663.515,"confidence":0.9980469,"punctuated_word":"easier","sentiment":"neutral","sentiment_score":0.09084543585777284},{"word":"for","start":1663.515,"end":1663.675,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07562714070081711},{"word":"me","start":1663.675,"end":1663.915,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.03729335218667984},{"word":"to","start":1663.915,"end":1664.0751,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.024626515805721283},{"word":"do","start":1664.0751,"end":1664.4751,"confidence":0.6329346,"punctuated_word":"do?","sentiment":"neutral","sentiment_score":0.0206286758184433},{"word":"seeing","start":1664.4751,"end":1664.9751,"confidence":0.64941406,"punctuated_word":"Seeing,","sentiment":"neutral","sentiment_score":0.01639658957719803},{"word":"you","start":1665.275,"end":1665.515,"confidence":0.6982422,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00450776144862175},{"word":"know","start":1665.515,"end":1666.015,"confidence":0.892334,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.013647686690092089},{"word":"surely","start":1666.2351,"end":1666.7351,"confidence":0.62109375,"punctuated_word":"surely,","sentiment":"neutral","sentiment_score":0.05561012029647827},{"word":"as","start":1667.3099,"end":1667.5499,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08231603354215622},{"word":"a","start":1667.5499,"end":1667.71,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07911594212055206},{"word":"member","start":1667.71,"end":1668.19,"confidence":0.98535156,"punctuated_word":"member,","sentiment":"neutral","sentiment_score":0.0608159676194191},{"word":"i","start":1668.19,"end":1668.2699,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03175392746925354},{"word":"can","start":1668.2699,"end":1668.59,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.027308499440550804},{"word":"ring","start":1668.59,"end":1668.83,"confidence":0.9980469,"punctuated_word":"ring","sentiment":"neutral","sentiment_score":0.029902780428528786},{"word":"up","start":1668.83,"end":1668.99,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.02718596532940865},{"word":"and","start":1668.99,"end":1669.23,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.026571057736873627},{"word":"say","start":1669.23,"end":1669.63,"confidence":0.98168945,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.03804389014840126},{"word":"look","start":1669.63,"end":1669.95,"confidence":0.84033203,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":0.01861543580889702},{"word":"i","start":1669.95,"end":1670.0299,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.013155199587345123},{"word":"need","start":1670.0299,"end":1670.35,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.006436660885810852},{"word":"these","start":1670.35,"end":1670.75,"confidence":0.9116211,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.008573364466428757},{"word":"details","start":1670.75,"end":1671.23,"confidence":0.99902344,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.023614177480340004},{"word":"from","start":1671.23,"end":1671.47,"confidence":0.7158203,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.007911168038845062},{"word":"my","start":1671.47,"end":1671.63,"confidence":0.7631836,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.0015533454716205597},{"word":"accountant","start":1671.63,"end":1672.13,"confidence":0.78515625,"punctuated_word":"accountant","sentiment":"neutral","sentiment_score":0.022049609571695328},{"word":"or","start":1672.19,"end":1672.4299,"confidence":0.96777344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.007854815572500229},{"word":"something","start":1672.4299,"end":1672.75,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.005365531891584396},{"word":"like","start":1672.75,"end":1672.9099,"confidence":0.9951172,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.003235209733247757},{"word":"that","start":1672.9099,"end":1673.4099,"confidence":0.9970703,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.01997959800064564},{"word":"yeah","start":1675.07,"end":1675.57,"confidence":0.8967285,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1924327313899994},{"word":"what","start":1685.875,"end":1686.1951,"confidence":0.85595703,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.26784539222717285},{"word":"you've","start":1686.1951,"end":1686.435,"confidence":0.7519531,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.28578639030456543},{"word":"told","start":1686.435,"end":1686.755,"confidence":0.5317383,"punctuated_word":"told","sentiment":"neutral","sentiment_score":0.26988425850868225},{"word":"me","start":1686.755,"end":1686.915,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.25431445240974426},{"word":"there","start":1686.915,"end":1687.3151,"confidence":0.9633789,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.31523311138153076},{"word":"is","start":1687.3151,"end":1687.635,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.26078829169273376},{"word":"is","start":1687.635,"end":1687.875,"confidence":0.96972656,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3186178207397461},{"word":"pretty","start":1687.875,"end":1688.1951,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.4084252119064331},{"word":"good","start":1688.1951,"end":1688.595,"confidence":0.9951172,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3555779755115509},{"word":"i'm","start":1688.595,"end":1688.995,"confidence":0.90112305,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.4480574131011963},{"word":"happy","start":1688.995,"end":1689.3151,"confidence":0.890625,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.3912968337535858},{"word":"with","start":1689.3151,"end":1689.555,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.22828027606010437},{"word":"that","start":1689.555,"end":1690.035,"confidence":0.99902344,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.18759426474571228},{"word":"i","start":1690.035,"end":1690.1951,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0567251592874527},{"word":"understand","start":1690.1951,"end":1690.6951,"confidence":1.0,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":0.03120426833629608},{"word":"it","start":1690.835,"end":1690.995,"confidence":0.9404297,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0698179230093956},{"word":"goes","start":1690.995,"end":1691.475,"confidence":0.9902344,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.07607010006904602},{"word":"up","start":1691.475,"end":1691.635,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.08239445835351944},{"word":"and","start":1691.635,"end":1691.875,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.09919686615467072},{"word":"down","start":1691.875,"end":1692.355,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.04770779609680176},{"word":"and","start":1692.355,"end":1692.855,"confidence":0.7158203,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":-0.06259174644947052},{"word":"you","start":1693.3151,"end":1693.475,"confidence":0.60595703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.11271932721138},{"word":"know","start":1693.475,"end":1693.635,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.12037541717290878},{"word":"you","start":1693.635,"end":1693.875,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10980021953582764},{"word":"can't","start":1693.875,"end":1694.275,"confidence":0.9042969,"punctuated_word":"can't.","sentiment":"neutral","sentiment_score":-0.1084117591381073},{"word":"but","start":1694.275,"end":1694.775,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.09222616255283356},{"word":"the","start":1694.995,"end":1695.3151,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1320921778678894},{"word":"thing","start":1695.3151,"end":1695.555,"confidence":0.9760742,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.12642806768417358},{"word":"is","start":1695.555,"end":1695.795,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1264406591653824},{"word":"you","start":1695.795,"end":1695.955,"confidence":0.68115234,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.14174506068229675},{"word":"don't","start":1695.955,"end":1696.1951,"confidence":0.99658203,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1757839024066925},{"word":"wanna","start":1696.1951,"end":1696.595,"confidence":0.8911133,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.2211184203624725},{"word":"say","start":1696.595,"end":1696.835,"confidence":0.9602051,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.14782801270484924},{"word":"well","start":1696.835,"end":1697.335,"confidence":0.9975586,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.17711606621742249},{"word":"i'm","start":1697.37,"end":1697.61,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.197150319814682},{"word":"gonna","start":1697.61,"end":1697.77,"confidence":0.9941406,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.175160750746727},{"word":"be","start":1697.77,"end":1698.01,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1817454695701599},{"word":"retiring","start":1698.01,"end":1698.51,"confidence":0.92822266,"punctuated_word":"retiring","sentiment":"neutral","sentiment_score":-0.12875668704509735},{"word":"in","start":1698.65,"end":1698.89,"confidence":0.99121094,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.13375090062618256},{"word":"two","start":1698.89,"end":1699.13,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.13886012136936188},{"word":"years","start":1699.13,"end":1699.63,"confidence":0.9970703,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.12197497487068176},{"word":"well","start":1700.09,"end":1700.41,"confidence":0.9711914,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.08157365024089813},{"word":"i","start":1700.41,"end":1700.57,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09284302592277528},{"word":"mean","start":1700.57,"end":1700.8099,"confidence":0.9897461,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.08082777261734009},{"word":"you'd","start":1700.8099,"end":1701.05,"confidence":0.98950195,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":-0.07591468095779419},{"word":"like","start":1701.05,"end":1701.29,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.060757115483284},{"word":"to","start":1701.29,"end":1701.37,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04486338794231415},{"word":"say","start":1701.37,"end":1701.61,"confidence":0.99902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.019748225808143616},{"word":"that","start":1701.61,"end":1701.93,"confidence":0.87231445,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.04575881361961365},{"word":"but","start":1701.93,"end":1702.41,"confidence":0.95996094,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.07211685925722122},{"word":"yeah","start":1702.41,"end":1702.73,"confidence":0.9499512,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.10407032072544098},{"word":"you","start":1702.73,"end":1702.89,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.12625408172607422},{"word":"don't","start":1702.89,"end":1703.13,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1502724140882492},{"word":"wanna","start":1703.13,"end":1703.45,"confidence":0.9790039,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.2045682817697525},{"word":"go","start":1703.45,"end":1703.69,"confidence":0.94921875,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.19905459880828855},{"word":"the","start":1703.69,"end":1703.85,"confidence":0.86328125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.20916180312633512},{"word":"year","start":1703.85,"end":1704.25,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.20647913217544556},{"word":"before","start":1704.25,"end":1704.75,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.2172241657972336},{"word":"and","start":1704.8099,"end":1705.05,"confidence":0.96875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.17305344343185425},{"word":"then","start":1705.05,"end":1705.53,"confidence":0.99609375,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.15022766590118408},{"word":"lose","start":1705.53,"end":1705.85,"confidence":1.0,"punctuated_word":"lose","sentiment":"negative","sentiment_score":-0.5037156939506531},{"word":"all","start":1705.85,"end":1706.01,"confidence":1.0,"punctuated_word":"all","sentiment":"negative","sentiment_score":-0.5323395729064941},{"word":"your","start":1706.01,"end":1706.17,"confidence":0.99902344,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.5432502627372742},{"word":"money","start":1706.17,"end":1706.57,"confidence":1.0,"punctuated_word":"money","sentiment":"negative","sentiment_score":-0.4908696413040161},{"word":"because","start":1706.57,"end":1706.8099,"confidence":0.9838867,"punctuated_word":"because","sentiment":"negative","sentiment_score":-0.4128572046756744},{"word":"of","start":1706.8099,"end":1707.3099,"confidence":0.99902344,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.38539889454841614},{"word":"the","start":1707.77,"end":1708.01,"confidence":0.93603516,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.35186338424682617},{"word":"global","start":1708.01,"end":1708.51,"confidence":0.8378906,"punctuated_word":"global","sentiment":"negative","sentiment_score":-0.47418212890625},{"word":"financial","start":1708.57,"end":1709.07,"confidence":0.99902344,"punctuated_word":"financial","sentiment":"negative","sentiment_score":-0.4416378736495972},{"word":"crisis","start":1709.29,"end":1709.79,"confidence":0.8989258,"punctuated_word":"crisis","sentiment":"negative","sentiment_score":-0.4246099293231964},{"word":"or","start":1709.93,"end":1710.33,"confidence":0.8989258,"punctuated_word":"or","sentiment":"negative","sentiment_score":-0.3397897779941559},{"word":"some","start":1710.33,"end":1710.57,"confidence":0.9980469,"punctuated_word":"some","sentiment":"negative","sentiment_score":-0.3666318953037262},{"word":"some","start":1710.57,"end":1711.07,"confidence":0.99902344,"punctuated_word":"some","sentiment":"negative","sentiment_score":-0.375516802072525},{"word":"drama","start":1711.13,"end":1711.63,"confidence":0.9980469,"punctuated_word":"drama","sentiment":"negative","sentiment_score":-0.4710897803306579},{"word":"that","start":1712.0651,"end":1712.385,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.28571826219558716},{"word":"trump's","start":1712.385,"end":1712.7051,"confidence":0.9897461,"punctuated_word":"Trump's","sentiment":"neutral","sentiment_score":-0.2616443932056427},{"word":"done","start":1712.7051,"end":1713.2051,"confidence":0.97436523,"punctuated_word":"done.","sentiment":"neutral","sentiment_score":-0.2569301128387451},{"word":"you","start":1713.265,"end":1713.505,"confidence":0.9560547,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.10489380359649658},{"word":"know","start":1713.505,"end":1713.665,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.12347245216369628},{"word":"what","start":1713.665,"end":1713.8251,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.12275245785713196},{"word":"i","start":1713.8251,"end":1713.905,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03730539232492447},{"word":"mean","start":1713.905,"end":1714.405,"confidence":0.9995117,"punctuated_word":"mean?","sentiment":"neutral","sentiment_score":-0.04876600205898285},{"word":"yeah","start":1745.615,"end":1746.115,"confidence":0.779541,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.15281599760055542},{"word":"no","start":1756.19,"end":1756.69,"confidence":0.8276367,"punctuated_word":"No.","sentiment":"negative","sentiment_score":-0.5506182909011841},{"word":"well","start":1762.99,"end":1763.23,"confidence":0.9445801,"punctuated_word":"Well,","sentiment":"negative","sentiment_score":-0.3406686782836914},{"word":"everyone's","start":1763.23,"end":1763.71,"confidence":0.98461914,"punctuated_word":"everyone's","sentiment":"negative","sentiment_score":-0.47336944937705994},{"word":"gonna","start":1763.71,"end":1763.95,"confidence":0.9404297,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.48761069774627686},{"word":"be","start":1763.95,"end":1764.11,"confidence":0.9951172,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.44259756803512573},{"word":"grumpy","start":1764.11,"end":1764.61,"confidence":0.99072266,"punctuated_word":"grumpy.","sentiment":"negative","sentiment_score":-0.5692818760871887},{"word":"yes","start":1764.83,"end":1765.305,"confidence":0.9824219,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.02326357178390026},{"word":"yes","start":1811.5599,"end":1812.0599,"confidence":0.9951172,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.13699591159820557},{"word":"right","start":1840.84,"end":1841.34,"confidence":0.97314453,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.08347977697849274},{"word":"yep","start":1881.0549,"end":1881.5549,"confidence":0.739624,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08300819247961044},{"word":"perfect","start":1884.735,"end":1885.235,"confidence":0.9394531,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.26355183124542236},{"word":"alright","start":1886.0149,"end":1886.5149,"confidence":0.4482422,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.13943253457546234},{"word":"okay","start":1886.735,"end":1887.235,"confidence":0.9892578,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.09775516390800476},{"word":"well","start":1887.2949,"end":1887.7949,"confidence":0.84228516,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.09350259602069856},{"word":"i","start":1888.6549,"end":1888.735,"confidence":0.8984375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0229305736720562},{"word":"i","start":1888.735,"end":1888.815,"confidence":0.50146484,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0018191002309322355},{"word":"don't","start":1888.815,"end":1888.975,"confidence":0.93359375,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.0019051320850849152},{"word":"wanna","start":1888.975,"end":1889.2949,"confidence":0.9453125,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.022901298478245735},{"word":"cut","start":1889.2949,"end":1889.5349,"confidence":0.99902344,"punctuated_word":"cut","sentiment":"neutral","sentiment_score":-0.05288669466972351},{"word":"it","start":1889.5349,"end":1889.695,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.007660798728466034},{"word":"short","start":1889.695,"end":1890.0149,"confidence":0.98217773,"punctuated_word":"short,","sentiment":"neutral","sentiment_score":0.006117956712841988},{"word":"but","start":1890.0149,"end":1890.1749,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.013154719024896622},{"word":"i","start":1890.1749,"end":1890.335,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.024381209164857864},{"word":"do","start":1890.335,"end":1890.835,"confidence":0.9951172,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.034870028495788574},{"word":"have","start":1890.8949,"end":1891.1349,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10122592747211456},{"word":"to","start":1891.1349,"end":1891.375,"confidence":0.98535156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0781407430768013},{"word":"go","start":1891.375,"end":1891.875,"confidence":0.9758301,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.0876903384923935},{"word":"but","start":1892.6,"end":1893.0,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.07921470701694489},{"word":"everything","start":1893.0,"end":1893.4,"confidence":0.99609375,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.2687796354293823},{"word":"you","start":1893.4,"end":1893.72,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14444419741630554},{"word":"told","start":1893.72,"end":1893.9601,"confidence":0.58691406,"punctuated_word":"told","sentiment":"positive","sentiment_score":0.3994327485561371},{"word":"me","start":1893.9601,"end":1894.28,"confidence":1.0,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.4667266011238098},{"word":"has","start":1894.28,"end":1894.52,"confidence":0.7524414,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.5054531097412109},{"word":"been","start":1894.52,"end":1894.92,"confidence":0.99902344,"punctuated_word":"been","sentiment":"positive","sentiment_score":0.5027263760566711},{"word":"fine","start":1894.92,"end":1895.3201,"confidence":0.99560547,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.469038188457489},{"word":"i'm","start":1895.3201,"end":1895.48,"confidence":1.0,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.7148804664611816},{"word":"happy","start":1895.48,"end":1895.8,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.6156519055366516},{"word":"with","start":1895.8,"end":1896.04,"confidence":0.9980469,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.5599817037582397},{"word":"that","start":1896.04,"end":1896.54,"confidence":1.0,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.4422557950019837},{"word":"yes","start":1899.24,"end":1899.74,"confidence":0.86157227,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.060044437646865845},{"word":"sure","start":1902.4401,"end":1902.9401,"confidence":0.95092773,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.08242051303386688},{"word":"so","start":1946.57,"end":1946.73,"confidence":0.9658203,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2324979305267334},{"word":"you","start":1946.73,"end":1946.89,"confidence":0.9770508,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24044212698936465},{"word":"think","start":1946.89,"end":1947.13,"confidence":0.9941406,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.26717638969421387},{"word":"that's","start":1947.13,"end":1947.45,"confidence":0.9975586,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.3821265399456024},{"word":"the","start":1947.45,"end":1947.77,"confidence":0.9941406,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.35777774453163147},{"word":"best","start":1947.77,"end":1948.09,"confidence":1.0,"punctuated_word":"best","sentiment":"positive","sentiment_score":0.38022637367248535},{"word":"thing","start":1948.09,"end":1948.33,"confidence":0.99902344,"punctuated_word":"thing","sentiment":"positive","sentiment_score":0.4345342814922333},{"word":"to","start":1948.33,"end":1948.49,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3635462522506714},{"word":"do","start":1948.49,"end":1948.99,"confidence":0.99560547,"punctuated_word":"do?","sentiment":"positive","sentiment_score":0.34622126817703247},{"word":"yeah","start":1951.05,"end":1951.55,"confidence":0.7878418,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.6922923922538757},{"word":"yes","start":1955.93,"end":1956.43,"confidence":0.9875488,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.6723324060440063},{"word":"yes","start":1983.75,"end":1984.25,"confidence":0.9875488,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.4339487552642822},{"word":"okay","start":1984.95,"end":1985.45,"confidence":0.99902344,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.5738983154296875},{"word":"sure","start":1988.065,"end":1988.465,"confidence":0.90527344,"punctuated_word":"Sure.","sentiment":"positive","sentiment_score":0.5573066473007202},{"word":"yep","start":1988.465,"end":1988.965,"confidence":0.9538574,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.4261763095855713},{"word":"yep","start":2000.545,"end":2001.045,"confidence":0.7780762,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2589850127696991},{"word":"good","start":2001.265,"end":2001.72,"confidence":0.9880371,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.4361264705657959},{"word":"so","start":2003.08,"end":2003.24,"confidence":0.49987793,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.17228618264198303},{"word":"yeah","start":2003.24,"end":2003.48,"confidence":0.99658203,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.13045407831668854},{"word":"i","start":2003.48,"end":2003.5599,"confidence":0.9472656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07747741043567657},{"word":"made","start":2003.5599,"end":2003.96,"confidence":0.94189453,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.07136768847703934},{"word":"a","start":2003.96,"end":2004.2,"confidence":0.82470703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08990123867988586},{"word":"sign","start":2004.2,"end":2004.6,"confidence":0.9873047,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.09964293986558914},{"word":"something","start":2004.6,"end":2005.1,"confidence":0.8676758,"punctuated_word":"something.","sentiment":"neutral","sentiment_score":0.07863235473632812},{"word":"sign","start":2005.96,"end":2006.28,"confidence":0.78027344,"punctuated_word":"Sign","sentiment":"neutral","sentiment_score":0.09295482933521272},{"word":"this","start":2006.28,"end":2006.78,"confidence":0.7739258,"punctuated_word":"this.","sentiment":"neutral","sentiment_score":0.1039099469780922},{"word":"okay","start":2021.8049,"end":2022.3049,"confidence":0.8820801,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0823068767786026},{"word":"i","start":2027.8049,"end":2027.965,"confidence":0.8183594,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10852999985218048},{"word":"might","start":2027.965,"end":2028.465,"confidence":0.98535156,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.08519450575113297},{"word":"i","start":2028.765,"end":2028.9249,"confidence":0.7416992,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02773062326014042},{"word":"might","start":2028.9249,"end":2029.245,"confidence":0.8774414,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.016786206513643265},{"word":"just","start":2029.245,"end":2029.485,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03141375631093979},{"word":"yeah","start":2030.79,"end":2031.03,"confidence":0.9782715,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.03886370733380318},{"word":"i","start":2031.03,"end":2031.43,"confidence":0.9770508,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.025193437933921817},{"word":"told","start":2031.43,"end":2031.75,"confidence":0.8828125,"punctuated_word":"told","sentiment":"neutral","sentiment_score":0.02442637085914612},{"word":"you","start":2031.75,"end":2032.25,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02474275976419449},{"word":"that","start":2032.39,"end":2032.63,"confidence":0.34423828,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.039370447397232056},{"word":"i've","start":2032.63,"end":2033.13,"confidence":0.6394043,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.04181527346372605},{"word":"got","start":2033.27,"end":2033.51,"confidence":0.9902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.04767061769962311},{"word":"a","start":2033.51,"end":2033.67,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03946233540773392},{"word":"couple","start":2033.67,"end":2033.91,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.04069227352738381},{"word":"of","start":2033.91,"end":2034.0701,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0271366648375988},{"word":"mates","start":2034.0701,"end":2034.39,"confidence":0.8935547,"punctuated_word":"mates","sentiment":"neutral","sentiment_score":0.020741917192935944},{"word":"that","start":2034.39,"end":2034.55,"confidence":0.47314453,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.024873919785022736},{"word":"are","start":2034.55,"end":2034.7101,"confidence":0.9633789,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.010772619396448135},{"word":"bankers","start":2034.7101,"end":2035.2101,"confidence":0.9851074,"punctuated_word":"bankers.","sentiment":"neutral","sentiment_score":0.015240538865327837},{"word":"i","start":2035.67,"end":2035.8301,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0021675992757081985},{"word":"wouldn't","start":2035.8301,"end":2036.0701,"confidence":1.0,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":0.0004883470828644931},{"word":"mind","start":2036.0701,"end":2036.39,"confidence":1.0,"punctuated_word":"mind","sentiment":"neutral","sentiment_score":0.000966448336839676},{"word":"them","start":2036.39,"end":2036.7101,"confidence":0.88183594,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.01089494675397873},{"word":"just","start":2036.7101,"end":2037.03,"confidence":0.94628906,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.025758914649486545},{"word":"reading","start":2037.03,"end":2037.51,"confidence":0.9970703,"punctuated_word":"reading","sentiment":"neutral","sentiment_score":0.018740680068731308},{"word":"through","start":2037.51,"end":2037.99,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.013918653130531313},{"word":"this","start":2037.99,"end":2038.49,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.03203246369957924},{"word":"information","start":2038.63,"end":2039.13,"confidence":1.0,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.032909996807575226},{"word":"before","start":2039.3501,"end":2039.75,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.01340288668870926},{"word":"i","start":2039.75,"end":2039.91,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.024902451783418655},{"word":"sign","start":2039.91,"end":2040.2301,"confidence":0.9951172,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.00982806831598282},{"word":"it","start":2040.2301,"end":2040.7301,"confidence":0.9719238,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.03440733626484871},{"word":"and","start":2041.03,"end":2041.1901,"confidence":0.86206055,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.041873618960380554},{"word":"i","start":2041.1901,"end":2041.3501,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03503645211458206},{"word":"mean","start":2041.3501,"end":2041.75,"confidence":1.0,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.09087104350328444},{"word":"if","start":2041.75,"end":2041.99,"confidence":0.9902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09067979454994202},{"word":"they","start":2041.99,"end":2042.31,"confidence":0.9472656,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.06164597347378731},{"word":"come","start":2042.31,"end":2042.55,"confidence":0.99902344,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.06089170649647713},{"word":"up","start":2042.55,"end":2042.79,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.03813981264829635},{"word":"with","start":2042.79,"end":2043.03,"confidence":0.9951172,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03364742919802666},{"word":"any","start":2043.03,"end":2043.3501,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.05106515437364578},{"word":"yeah","start":2044.0701,"end":2044.39,"confidence":0.8935547,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.046217937022447586},{"word":"what","start":2044.39,"end":2044.63,"confidence":0.74560547,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.05765873193740845},{"word":"are","start":2044.63,"end":2044.7101,"confidence":0.4946289,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.04870043322443962},{"word":"you","start":2044.7101,"end":2044.9501,"confidence":0.93115234,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0376138798892498},{"word":"yeah","start":2045.2001,"end":2045.7001,"confidence":0.8310547,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.05029144138097763},{"word":"ask","start":2046.255,"end":2046.5751,"confidence":0.7060547,"punctuated_word":"Ask","sentiment":"neutral","sentiment_score":0.07113206386566162},{"word":"about","start":2046.5751,"end":2046.895,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.03336220979690552},{"word":"this","start":2046.895,"end":2047.215,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.048935968428850174},{"word":"or","start":2047.215,"end":2047.375,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.07008786499500275},{"word":"that","start":2047.375,"end":2047.615,"confidence":0.91967773,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.09032844007015228},{"word":"then","start":2047.615,"end":2047.935,"confidence":0.9863281,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.12975648045539856},{"word":"i","start":2047.935,"end":2048.095,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1265656352043152},{"word":"can","start":2048.095,"end":2048.335,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10674780607223512},{"word":"get","start":2048.335,"end":2048.495,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.11168907582759856},{"word":"back","start":2048.495,"end":2048.735,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.114959716796875},{"word":"to","start":2048.735,"end":2048.895,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1059459000825882},{"word":"you","start":2048.895,"end":2048.975,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13633030652999878},{"word":"and","start":2048.975,"end":2049.215,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1446305215358734},{"word":"ask","start":2049.215,"end":2049.455,"confidence":0.99316406,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.11941155046224594},{"word":"you","start":2049.455,"end":2049.695,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1073155552148819},{"word":"those","start":2049.695,"end":2050.0151,"confidence":0.56640625,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.12560361623764038},{"word":"questions","start":2050.0151,"end":2050.5151,"confidence":0.9970703,"punctuated_word":"questions.","sentiment":"neutral","sentiment_score":0.07393154501914978},{"word":"right","start":2050.575,"end":2051.075,"confidence":0.95166016,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.11039701104164124},{"word":"yeah","start":2053.215,"end":2053.715,"confidence":0.9819336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05591720342636109},{"word":"well","start":2056.0151,"end":2056.5151,"confidence":0.95751953,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.0014626611955463886},{"word":"one","start":2057.695,"end":2057.855,"confidence":0.9980469,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.0043572112917900085},{"word":"of","start":2057.855,"end":2058.0151,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.005244947969913483},{"word":"them","start":2058.0151,"end":2058.2551,"confidence":0.99316406,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.0026714224368333817},{"word":"is","start":2058.2551,"end":2058.415,"confidence":0.90234375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0022798553109169006},{"word":"a","start":2058.415,"end":2058.735,"confidence":0.96435547,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0005299923941493034},{"word":"a","start":2058.735,"end":2058.815,"confidence":0.9716797,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.001243125181645155},{"word":"close","start":2058.815,"end":2059.215,"confidence":0.97998047,"punctuated_word":"close","sentiment":"neutral","sentiment_score":-0.0008013159967958927},{"word":"friend","start":2059.215,"end":2059.71,"confidence":0.9975586,"punctuated_word":"friend.","sentiment":"neutral","sentiment_score":0.000651681562885642},{"word":"we","start":2060.1099,"end":2060.27,"confidence":0.99121094,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.006127216387540102},{"word":"call","start":2060.27,"end":2060.67,"confidence":0.83251953,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.005110545549541712},{"word":"him","start":2060.67,"end":2060.83,"confidence":0.9770508,"punctuated_word":"him","sentiment":"neutral","sentiment_score":0.005834098905324936},{"word":"the","start":2060.83,"end":2061.07,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0018739216029644012},{"word":"bank","start":2061.07,"end":2061.47,"confidence":0.8984375,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.0064430441707372665},{"word":"whore","start":2061.47,"end":2061.79,"confidence":0.8911133,"punctuated_word":"whore","sentiment":"neutral","sentiment_score":0.0012224195525050163},{"word":"because","start":2061.79,"end":2062.1099,"confidence":0.8496094,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.002503548748791218},{"word":"he's","start":2062.1099,"end":2062.51,"confidence":0.9980469,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":0.0022474012803286314},{"word":"worked","start":2062.51,"end":2062.83,"confidence":1.0,"punctuated_word":"worked","sentiment":"neutral","sentiment_score":-0.0003703758120536804},{"word":"at","start":2062.83,"end":2063.07,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0028744610026478767},{"word":"every","start":2063.07,"end":2063.47,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.000031686387956142426},{"word":"bank","start":2063.47,"end":2063.97,"confidence":0.8071289,"punctuated_word":"bank,","sentiment":"neutral","sentiment_score":-0.001561921089887619},{"word":"but","start":2064.51,"end":2064.83,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.00469384528696537},{"word":"now","start":2064.83,"end":2065.07,"confidence":0.9921875,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.01291146595031023},{"word":"he's","start":2065.07,"end":2065.39,"confidence":0.98999023,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":0.001613513333722949},{"word":"working","start":2065.39,"end":2065.79,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.0034126127138733864},{"word":"at","start":2065.79,"end":2065.95,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.008430775254964828},{"word":"the","start":2065.95,"end":2066.1099,"confidence":0.97802734,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00294332392513752},{"word":"government","start":2066.1099,"end":2066.6099,"confidence":0.9797363,"punctuated_word":"government.","sentiment":"neutral","sentiment_score":0.004921008367091417},{"word":"so","start":2067.15,"end":2067.65,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.009027269668877125},{"word":"he's","start":2067.71,"end":2068.03,"confidence":0.99902344,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":0.005091582890599966},{"word":"not","start":2068.03,"end":2068.3499,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.05137104541063309},{"word":"working","start":2068.3499,"end":2068.75,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.039352625608444214},{"word":"at","start":2068.75,"end":2068.99,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06838604062795639},{"word":"a","start":2068.99,"end":2069.07,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.061197467148303986},{"word":"bank","start":2069.07,"end":2069.55,"confidence":1.0,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":-0.06860386580228806},{"word":"anymore","start":2069.55,"end":2070.05,"confidence":0.82006836,"punctuated_word":"anymore,","sentiment":"neutral","sentiment_score":-0.07559587061405182},{"word":"but","start":2070.1099,"end":2070.3499,"confidence":0.99609375,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.022478394210338593},{"word":"he's","start":2070.3499,"end":2070.75,"confidence":0.9838867,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":-0.022032257169485092},{"word":"worked","start":2070.75,"end":2071.07,"confidence":0.86621094,"punctuated_word":"worked,","sentiment":"neutral","sentiment_score":-0.016361530870199203},{"word":"like","start":2071.07,"end":2071.57,"confidence":0.99853516,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.011454453691840172},{"word":"six","start":2072.03,"end":2072.27,"confidence":0.5385742,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.019242415204644203},{"word":"different","start":2072.27,"end":2072.67,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.0181121826171875},{"word":"banks","start":2072.67,"end":2073.07,"confidence":0.76123047,"punctuated_word":"banks,","sentiment":"neutral","sentiment_score":-0.014066677540540695},{"word":"and","start":2073.07,"end":2073.23,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.010792067274451256},{"word":"he's","start":2073.23,"end":2073.615,"confidence":0.97965497,"punctuated_word":"he's,","sentiment":"neutral","sentiment_score":-0.01887848973274231},{"word":"yeah","start":2073.935,"end":2074.095,"confidence":0.9584961,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.023583490401506424},{"word":"he's","start":2074.095,"end":2074.575,"confidence":0.97216797,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":-0.02073981612920761},{"word":"the","start":2074.575,"end":2074.735,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.023136349394917488},{"word":"same","start":2074.735,"end":2074.975,"confidence":0.9980469,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.02246580272912979},{"word":"age","start":2074.975,"end":2075.295,"confidence":0.9770508,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.0306285098195076},{"word":"as","start":2075.295,"end":2075.455,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.0323389396071434},{"word":"me","start":2075.455,"end":2075.955,"confidence":0.94921875,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":-0.032997362315654755},{"word":"and","start":2076.095,"end":2076.335,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.02812808007001877},{"word":"now","start":2076.335,"end":2076.575,"confidence":0.9941406,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.04340225085616112},{"word":"he's","start":2076.575,"end":2076.815,"confidence":0.9926758,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":-0.06661475449800491},{"word":"got","start":2076.815,"end":2076.975,"confidence":0.9970703,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.10036735236644743},{"word":"a","start":2076.975,"end":2077.135,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08463289588689804},{"word":"cushy","start":2077.135,"end":2077.635,"confidence":0.9995117,"punctuated_word":"cushy","sentiment":"neutral","sentiment_score":-0.09702318906784058},{"word":"government","start":2077.775,"end":2078.275,"confidence":1.0,"punctuated_word":"government","sentiment":"neutral","sentiment_score":-0.06866024434566498},{"word":"job","start":2078.335,"end":2078.575,"confidence":1.0,"punctuated_word":"job","sentiment":"neutral","sentiment_score":-0.08691615611314774},{"word":"where","start":2078.575,"end":2078.895,"confidence":0.98291016,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.08214738965034485},{"word":"he","start":2078.895,"end":2079.055,"confidence":0.9970703,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.06117125228047371},{"word":"just","start":2079.055,"end":2079.555,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.07202096283435822},{"word":"rings","start":2079.855,"end":2080.175,"confidence":0.9863281,"punctuated_word":"rings","sentiment":"neutral","sentiment_score":-0.06636860966682434},{"word":"up","start":2080.175,"end":2080.415,"confidence":0.9970703,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.0886087715625763},{"word":"the","start":2080.415,"end":2080.575,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0992353931069374},{"word":"farmers","start":2080.575,"end":2081.075,"confidence":0.9980469,"punctuated_word":"farmers","sentiment":"neutral","sentiment_score":-0.06925636529922485},{"word":"and","start":2081.135,"end":2081.375,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0911460891366005},{"word":"tells","start":2081.375,"end":2081.615,"confidence":0.9892578,"punctuated_word":"tells","sentiment":"neutral","sentiment_score":-0.09284542500972748},{"word":"them","start":2081.615,"end":2081.855,"confidence":0.9013672,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.0933576002717018},{"word":"they","start":2081.855,"end":2082.015,"confidence":0.98095703,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.11383651196956636},{"word":"can't","start":2082.015,"end":2082.255,"confidence":0.9851074,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.08379435539245605},{"word":"have","start":2082.255,"end":2082.4949,"confidence":0.9921875,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.08858984708786011},{"word":"that","start":2082.4949,"end":2082.735,"confidence":0.984375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05669745057821274},{"word":"loan","start":2082.735,"end":2083.235,"confidence":0.8847656,"punctuated_word":"loan.","sentiment":"neutral","sentiment_score":-0.040451306849718094},{"word":"yeah","start":2086.44,"end":2086.94,"confidence":0.93969727,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04740037769079208},{"word":"basically","start":2087.16,"end":2087.66,"confidence":0.81030273,"punctuated_word":"Basically,","sentiment":"neutral","sentiment_score":0.027401110157370567},{"word":"government","start":2087.88,"end":2088.38,"confidence":0.93603516,"punctuated_word":"government","sentiment":"neutral","sentiment_score":0.04498051851987839},{"word":"lending","start":2088.68,"end":2089.18,"confidence":0.88427734,"punctuated_word":"lending","sentiment":"neutral","sentiment_score":0.03216536343097687},{"word":"for","start":2089.32,"end":2089.72,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.029643386602401733},{"word":"and","start":2090.04,"end":2090.28,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03135594725608826},{"word":"then","start":2090.28,"end":2090.76,"confidence":0.9523926,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.035558346658945084},{"word":"yeah","start":2090.76,"end":2091.16,"confidence":0.8984375,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.04965616017580032},{"word":"twelve","start":2091.16,"end":2091.56,"confidence":0.95703125,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.03229212388396263},{"word":"months","start":2091.56,"end":2091.96,"confidence":0.77319336,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":0.03520561382174492},{"word":"he","start":2091.96,"end":2092.1199,"confidence":0.99902344,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.05834289267659187},{"word":"did","start":2092.1199,"end":2092.28,"confidence":1.0,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.03628291189670563},{"word":"that","start":2092.28,"end":2092.52,"confidence":0.8742676,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.05583244189620018},{"word":"and","start":2092.52,"end":2092.8398,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05218508839607239},{"word":"then","start":2092.8398,"end":2093.0798,"confidence":0.9819336,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0532633438706398},{"word":"he","start":2093.0798,"end":2093.24,"confidence":0.99902344,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.07269632071256638},{"word":"was","start":2093.24,"end":2093.4,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.0549783855676651},{"word":"doing","start":2093.4,"end":2093.9,"confidence":0.97753906,"punctuated_word":"doing,","sentiment":"neutral","sentiment_score":0.07835128903388977},{"word":"like","start":2093.96,"end":2094.44,"confidence":1.0,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.07729198783636093},{"word":"fishery","start":2094.44,"end":2094.94,"confidence":0.9875488,"punctuated_word":"fishery","sentiment":"neutral","sentiment_score":0.09310979396104813},{"word":"licensing","start":2095.0,"end":2095.5,"confidence":0.9741211,"punctuated_word":"licensing","sentiment":"neutral","sentiment_score":0.08552002906799316},{"word":"and","start":2095.8,"end":2096.3,"confidence":0.46875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09688228368759157},{"word":"yeah","start":2096.5999,"end":2096.92,"confidence":0.9812012,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.15036055445671082},{"word":"so","start":2096.92,"end":2097.24,"confidence":0.99121094,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1822143942117691},{"word":"he's","start":2097.24,"end":2097.72,"confidence":0.9980469,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":0.26012173295021057},{"word":"got","start":2097.72,"end":2097.96,"confidence":0.9921875,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.30695804953575134},{"word":"a","start":2097.96,"end":2098.1199,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3438282608985901},{"word":"pretty","start":2098.1199,"end":2098.3599,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.3750811219215393},{"word":"good","start":2098.3599,"end":2098.5999,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.2909409999847412},{"word":"gig","start":2098.5999,"end":2098.8398,"confidence":0.9819336,"punctuated_word":"gig","sentiment":"neutral","sentiment_score":0.30707693099975586},{"word":"with","start":2098.8398,"end":2099.0,"confidence":0.78222656,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.3007625341415405},{"word":"the","start":2099.0,"end":2099.16,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28027552366256714},{"word":"government","start":2099.16,"end":2099.64,"confidence":1.0,"punctuated_word":"government","sentiment":"neutral","sentiment_score":0.26749300956726074},{"word":"now","start":2099.64,"end":2100.075,"confidence":0.57373047,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.2205958515405655},{"word":"because","start":2100.555,"end":2100.875,"confidence":0.99902344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.02621641755104065},{"word":"you","start":2100.875,"end":2101.035,"confidence":0.79052734,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1245722472667694},{"word":"can","start":2101.035,"end":2101.275,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.2874492406845093},{"word":"never","start":2101.275,"end":2101.515,"confidence":0.99902344,"punctuated_word":"never","sentiment":"negative","sentiment_score":-0.3537358343601227},{"word":"get","start":2101.515,"end":2101.755,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.3194861114025116},{"word":"sacked","start":2101.755,"end":2102.075,"confidence":0.6166992,"punctuated_word":"sacked","sentiment":"neutral","sentiment_score":-0.29874706268310547},{"word":"from","start":2102.075,"end":2102.315,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.20801302790641785},{"word":"the","start":2102.315,"end":2102.4749,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1758825033903122},{"word":"government","start":2102.4749,"end":2102.9749,"confidence":0.9946289,"punctuated_word":"government.","sentiment":"neutral","sentiment_score":-0.13709111511707306},{"word":"right","start":2103.115,"end":2103.515,"confidence":0.9980469,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":-0.043272703886032104},{"word":"it's","start":2103.515,"end":2103.755,"confidence":0.9946289,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.1048230677843094},{"word":"pretty","start":2103.755,"end":2104.075,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.09293481707572936},{"word":"hard","start":2104.075,"end":2104.2349,"confidence":0.9350586,"punctuated_word":"hard","sentiment":"neutral","sentiment_score":-0.23420608043670657},{"word":"to","start":2104.2349,"end":2104.7349,"confidence":0.7788086,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.18907693028450012},{"word":"okay","start":2110.2349,"end":2110.7349,"confidence":0.9621582,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.1623295694589615},{"word":"sure","start":2118.01,"end":2118.51,"confidence":0.9746094,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":-0.029834944754838943},{"word":"yeah","start":2121.61,"end":2122.09,"confidence":0.8010254,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0746520534157753},{"word":"yeah","start":2122.09,"end":2122.4102,"confidence":0.9641113,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.013980485498905182},{"word":"yeah","start":2122.4102,"end":2122.73,"confidence":0.9802246,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01167222484946251},{"word":"yeah","start":2122.73,"end":2123.23,"confidence":0.94799805,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01699879951775074},{"word":"no","start":2131.655,"end":2132.155,"confidence":0.6488037,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.24371612071990967},{"word":"i","start":2132.535,"end":2132.695,"confidence":0.9633789,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2918410003185272},{"word":"don't","start":2132.695,"end":2133.015,"confidence":0.98657227,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.2187255620956421},{"word":"think","start":2133.015,"end":2133.335,"confidence":0.9970703,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.20755954086780548},{"word":"so","start":2133.335,"end":2133.575,"confidence":0.9916992,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":-0.056109990924596786},{"word":"mate","start":2133.575,"end":2134.075,"confidence":0.9904785,"punctuated_word":"mate.","sentiment":"neutral","sentiment_score":-0.05742224305868149},{"word":"i","start":2134.215,"end":2134.455,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.174001082777977},{"word":"i","start":2134.455,"end":2134.695,"confidence":0.9707031,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1586606502532959},{"word":"understand","start":2134.695,"end":2135.195,"confidence":0.9980469,"punctuated_word":"understand.","sentiment":"neutral","sentiment_score":-0.06980336457490921},{"word":"yeah","start":2135.415,"end":2135.655,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.1227199137210846},{"word":"i","start":2135.655,"end":2135.815,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.192046582698822},{"word":"wouldn't","start":2135.815,"end":2136.135,"confidence":1.0,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.1807570159435272},{"word":"bother","start":2136.135,"end":2136.615,"confidence":0.9941406,"punctuated_word":"bother.","sentiment":"neutral","sentiment_score":-0.25543421506881714},{"word":"i","start":2136.615,"end":2136.775,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2124749720096588},{"word":"mean","start":2136.775,"end":2137.275,"confidence":0.8857422,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.19872882962226868},{"word":"yeah","start":2138.79,"end":2139.29,"confidence":0.48864746,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.19587677717208865},{"word":"they're","start":2139.35,"end":2139.59,"confidence":0.69628906,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.23268172144889832},{"word":"they're","start":2139.59,"end":2139.9102,"confidence":0.99316406,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.2479429692029953},{"word":"only","start":2139.9102,"end":2140.1501,"confidence":0.97265625,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.26775145530700684},{"word":"gonna","start":2140.1501,"end":2140.55,"confidence":0.99316406,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.30804112553596497},{"word":"try","start":2140.55,"end":2140.7102,"confidence":0.9951172,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.3158968687057495},{"word":"and","start":2140.7102,"end":2140.79,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.30306005477905273},{"word":"sell","start":2140.79,"end":2141.1902,"confidence":1.0,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.2906258702278137},{"word":"themselves","start":2141.1902,"end":2141.6702,"confidence":0.9951172,"punctuated_word":"themselves","sentiment":"neutral","sentiment_score":-0.3059653043746948},{"word":"anyway","start":2141.6702,"end":2142.1501,"confidence":0.9526367,"punctuated_word":"anyway.","sentiment":"neutral","sentiment_score":-0.26114752888679504},{"word":"right","start":2142.1501,"end":2142.6501,"confidence":0.99560547,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":-0.0692785456776619},{"word":"so","start":2142.79,"end":2143.29,"confidence":0.6010742,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.06617994606494904},{"word":"yeah","start":2143.9102,"end":2144.4102,"confidence":0.99658203,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.016287680715322495},{"word":"yeah","start":2158.335,"end":2158.575,"confidence":0.95751953,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08521720767021179},{"word":"no","start":2158.575,"end":2158.895,"confidence":0.77612305,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.014982260763645172},{"word":"that's","start":2158.895,"end":2159.295,"confidence":0.9980469,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.34524327516555786},{"word":"perfect","start":2159.295,"end":2159.795,"confidence":0.99658203,"punctuated_word":"perfect.","sentiment":"positive","sentiment_score":0.3781578540802002},{"word":"righto","start":2167.615,"end":2168.115,"confidence":0.6114909,"punctuated_word":"Righto.","sentiment":"neutral","sentiment_score":0.20321588218212128},{"word":"okay","start":2169.19,"end":2169.51,"confidence":0.98291016,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.29667121171951294},{"word":"thanks","start":2169.51,"end":2169.9102,"confidence":0.9951172,"punctuated_word":"Thanks,","sentiment":"positive","sentiment_score":0.7024518251419067},{"word":"mate","start":2169.9102,"end":2170.4102,"confidence":0.9609375,"punctuated_word":"mate.","sentiment":"positive","sentiment_score":0.6504098176956177},{"word":"take","start":2171.03,"end":2171.27,"confidence":0.60546875,"punctuated_word":"Take","sentiment":"positive","sentiment_score":0.5402594804763794},{"word":"it","start":2171.27,"end":2171.4302,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4323209822177887},{"word":"easy","start":2171.4302,"end":2171.83,"confidence":0.97143555,"punctuated_word":"easy,","sentiment":"positive","sentiment_score":0.4941777288913727},{"word":"donna","start":2171.83,"end":2172.23,"confidence":0.5834961,"punctuated_word":"Donna.","sentiment":"positive","sentiment_score":0.33655840158462524},{"word":"i'll","start":2172.23,"end":2172.47,"confidence":0.98535156,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.6194559335708618},{"word":"talk","start":2172.47,"end":2172.71,"confidence":0.99902344,"punctuated_word":"talk","sentiment":"positive","sentiment_score":0.4826643466949463},{"word":"to","start":2172.71,"end":2172.87,"confidence":0.9970703,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5529887080192566},{"word":"you","start":2172.87,"end":2173.03,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.34976398944854736},{"word":"soon","start":2173.03,"end":2173.53,"confidence":0.99902344,"punctuated_word":"soon.","sentiment":"positive","sentiment_score":0.3681440055370331},{"word":"if","start":2175.6702,"end":2176.07,"confidence":0.8798828,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.0322854109108448},{"word":"if","start":2176.07,"end":2176.23,"confidence":0.9350586,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.016687598079442978},{"word":"you","start":2176.23,"end":2176.47,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.014065518975257874},{"word":"haven't","start":2176.47,"end":2176.79,"confidence":1.0,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.0038524065166711807},{"word":"heard","start":2176.79,"end":2177.11,"confidence":1.0,"punctuated_word":"heard","sentiment":"neutral","sentiment_score":-0.048822179436683655},{"word":"from","start":2177.11,"end":2177.4302,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.05730006843805313},{"word":"me","start":2177.4302,"end":2177.6702,"confidence":0.9921875,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.026038292795419693},{"word":"just","start":2177.6702,"end":2178.07,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.01002076268196106},{"word":"shoot","start":2178.07,"end":2178.31,"confidence":1.0,"punctuated_word":"shoot","sentiment":"neutral","sentiment_score":-0.030334465205669403},{"word":"me","start":2178.31,"end":2178.47,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.007959045469760895},{"word":"another","start":2178.47,"end":2178.95,"confidence":0.99902344,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.013509809970855711},{"word":"email","start":2178.95,"end":2179.27,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":-0.014951474964618685},{"word":"and","start":2179.27,"end":2179.4302,"confidence":0.96533203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03110210970044136},{"word":"say","start":2179.4302,"end":2179.83,"confidence":0.99609375,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.012848801910877228},{"word":"hurry","start":2179.83,"end":2180.1501,"confidence":0.82128906,"punctuated_word":"hurry","sentiment":"neutral","sentiment_score":0.021903447806835175},{"word":"up","start":2180.1501,"end":2180.3901,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.04939381778240204},{"word":"or","start":2180.3901,"end":2180.6301,"confidence":0.9614258,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.09149636328220367},{"word":"something","start":2180.6301,"end":2181.03,"confidence":0.9970703,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.1050504744052887},{"word":"like","start":2181.03,"end":2181.19,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.26208123564720154},{"word":"that","start":2181.19,"end":2181.4302,"confidence":0.93310547,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.1503077745437622},{"word":"right","start":2181.4302,"end":2181.6702,"confidence":0.9838867,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.05637047067284584},{"word":"because","start":2181.6702,"end":2181.99,"confidence":0.97509766,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.0196949765086174},{"word":"i've","start":2181.99,"end":2182.1501,"confidence":0.99853516,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.05713401734828949},{"word":"got","start":2182.1501,"end":2182.3901,"confidence":0.9980469,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.07762487232685089},{"word":"a","start":2182.3901,"end":2182.47,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.140073761343956},{"word":"bit","start":2182.47,"end":2182.79,"confidence":0.9770508,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1124948039650917},{"word":"going","start":2182.79,"end":2183.11,"confidence":0.9838867,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.25373178720474243},{"word":"on","start":2183.11,"end":2183.565,"confidence":0.9628906,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.056844912469387054},{"word":"alright","start":2184.125,"end":2184.625,"confidence":0.8210449,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.26952871680259705},{"word":"thank","start":2184.685,"end":2184.925,"confidence":0.99902344,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7207456231117249},{"word":"you","start":2184.925,"end":2185.165,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8121302127838135},{"word":"very","start":2185.165,"end":2185.405,"confidence":1.0,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.7946105003356934},{"word":"much","start":2185.405,"end":2185.645,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.8537188768386841},{"word":"for","start":2185.645,"end":2185.805,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.8262204527854919},{"word":"your","start":2185.805,"end":2186.045,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.8256415724754333},{"word":"time","start":2186.045,"end":2186.545,"confidence":1.0,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.8372528553009033},{"word":"see","start":2188.4448,"end":2188.605,"confidence":0.9472656,"punctuated_word":"See","sentiment":"positive","sentiment_score":0.4742880463600158},{"word":"you","start":2188.605,"end":2189.005,"confidence":0.99853516,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.5453177690505981},{"word":"bye","start":2189.005,"end":2189.505,"confidence":0.9848633,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.3283551037311554},{"word":"bye","start":2191.2449,"end":2191.7449,"confidence":0.9782715,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.10111083835363388}],"paragraphs":{"transcript":"\nHi. Called your name and reason for calling. I'll see if this person is available. Thanks. Please stay on the line.\n\nJustin speaking. Hi. Hey. Good, man. How are you?\n\nYeah. That's fine, man. How long is this thing gonna take? Right. Yeah.\n\nThat's fine. Yep. Yeah. Pretty good. Bit slower with work at the moment.\n\nSo so I was a bit stressful and, you know, less money. Alright. Yeah. Sure. Jason William Hale.\n\n'19 September. 2 Slash 75 Murphy Road, Surmea. Did you send them today? Or Alright. Hang on a second.\n\nYes. Signature request. Does it say sign document? Is that what you mean? Yeah.\n\nText three. Alright. Hello? K. Two.\n\nOkay. Yeah. That's about it. Yes. Well, you can take I'm just looking at the assets and liabilities.\n\nMaybe you take that rice horses down a bit. I've got rid of some of those, and I've only got two left now. It's probably a 100,000 there instead of 200,000. Well, she had a she had a she's had a first preparation, so you don't really have a race. Right?\n\nYou just she's won a trial, and she's done alright, but because she's just a baby, you don't wanna kill her. So, yeah, so I I asked about insurance on that horse, and they said about $100. So drop that down a bit because I got rid of the others. I kind of you know, not all wealthy course owners. My property is be up another $200, though, because I just got it evaluated, so that'd be 9 50.\n\nThe cars the cars are probably the same or maybe, you know, they're getting older, so maybe a bit less. So take $5 off that. The gold top has gone up to 20, so that's good. The rest is probably the same. I mean, I don't I'm not really sure that I would actually have 50 grands worth of contents, but it yeah.\n\nYeah. That's probably right. But yeah. So if you wanna make those adjustments, I don't know what that's not gonna really make any difference to anything, I suppose. Yeah.\n\nYeah. Sure. It's not match, is it? Yeah. Go ahead.\n\nYes. Right. Yep. So Yes. Yep.\n\nOkay. Yeah. Well, I'll obviously be paying it's about what I pay in Superhour with my wages, it's it's not a lot, but it's about 1,000 about 1,500 a quarter, I suppose. So Yeah. You have to, man.\n\nYeah. Well, they have to you have to do that now when you pay wages. Sorry. Yeah. Sure.\n\nOkay. Yeah. I'll get on that. I'm just a little bit short at the moment. It's a business, so I need to get some more money in the business.\n\nYeah. Yeah. So I'm reading that now. Yeah. Yeah.\n\nMhmm. What's what's my north consideration considered moving as to close into my north or separately manage? Yes. Not worth it. Mhmm.\n\nSo we're on page 19. There's a lot of red a lot of red numbers there, mate. What's going on with them? Yeah. Good.\n\nSure. Okay. Yep. Yeah. Good.\n\nYep. Okay. So what if I was to say to you, you know, what have you done in the last twelve months? Yeah. How much money have you made for me?\n\nThat's a question, isn't it? Because I know you guys might charge fees and everything. And I think I when I started, it was $4.5 or something to start up with you. So no one's actually told me or informed me of, yeah, I don't know how my soup is going in fact. Yes.\n\nSo that's what I wouldn't mind knowing. Yeah. Yes. Sure. I mean, yeah, what I wonder or ask is, you know, when Cbus or some of them say, oh, we can make it 9%.\n\nYeah. Should I just have my money in another place, like, four I know we've had a lot of drama, but, you know, what's bank interest at the moment? Five? Yes. Yeah.\n\nRight. Because. I mean, I suppose as short of it is, I just wanna be the best possible outcome I can have because, you know, I'm getting older by the day like everyone else. And, yeah. Well, can you can't you look at what I've had in c bus and go, well, you had this at the start and now you've got this.\n\nSo here's your percentage. Yeah. I under I understand that because you thought you're upfront right from the start that I could do that anytime. But I suppose, you know, I've I'm trust and trust in you guys who will go better than what C plus are claiming. So, you know, if you yeah.\n\nI'm a I used to be a bookmaker. I've worked with a bookmaker. So it basically got this side of the ledger and that side. It's basic maths. Right?\n\nI mean, I'm not I don't understand every share that you're investing in and all that list on the page. I don't I don't even know what half of those are. But yeah. You know what I mean? All I want at the end of the day is, you know, will I be better off staying with you guys for another twelve months, or am I gonna be better off going back to see Bus two?\n\nI mean, I trust them because I'm a tradie. Do you know what I mean? So that's how it is. That's that's the short of it. So Yeah.\n\nOh, that's great. Sure. But I'd be able to would that be easier for me to do? Seeing, you know, surely, as a member, I can ring up and say, look. I need these details from my accountant or something like that.\n\nYeah. What you've told me there is is pretty good. I'm happy with that. I understand it goes up and down and, you know, you can't. But the thing is you don't wanna say, well, I'm gonna be retiring in two years.\n\nWell, I mean, you'd like to say that, but, yeah, you don't wanna go the year before and then lose all your money because of the global financial crisis or some some drama that Trump's done. You know what I mean? Yeah. No. Well, everyone's gonna be grumpy.\n\nYes. Yes. Right. Yep. Perfect.\n\nAlright. Okay. Well, I I don't wanna cut it short, but I do have to go. But everything you told me has been fine. I'm happy with that.\n\nYes. Sure. So you think that's the best thing to do? Yeah. Yes.\n\nYes. Okay. Sure. Yep. Yep.\n\nGood. So, yeah, I made a sign something. Sign this. Okay. I might I might just yeah.\n\nI told you that I've got a couple of mates that are bankers. I wouldn't mind them just reading through this information before I sign it. And, I mean, if they come up with any yeah. What are you yeah. Ask about this or that, then I can get back to you and ask you those questions.\n\nRight? Yeah. Well, one of them is a a close friend. We call him the bank whore because he's worked at every bank, but now he's working at the government. So he's not working at a bank anymore, but he's worked, like, six different banks, and he's, yeah, he's the same age as me.\n\nAnd now he's got a cushy government job where he just rings up the farmers and tells them they can't have that loan. Yeah. Basically, government lending for and then, yeah, twelve months, he did that, and then he was doing, like, fishery licensing and yeah. So he's got a pretty good gig with the government now because you can never get sacked from the government. Right?\n\nIt's pretty hard to okay. Sure. Yeah. Yeah. Yeah.\n\nYeah. No. I don't think so, mate. I I understand. Yeah.\n\nI wouldn't bother. I mean, yeah, they're they're only gonna try and sell themselves anyway. Right? So yeah. Yeah.\n\nNo. That's perfect. Righto. Okay. Thanks, mate.\n\nTake it easy, Donna. I'll talk to you soon. If if you haven't heard from me, just shoot me another email and say hurry up or something like that. Right? Because I've got a bit going on.\n\nAlright. Thank you very much for your time. See you. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.08,"end":0.48,"sentiment":"neutral","sentiment_score":0.04066742956638336},{"text":"Called your name and reason for calling.","start":0.48,"end":2.58,"sentiment":"neutral","sentiment_score":0.03853406171713557},{"text":"I'll see if this person is available.","start":2.8,"end":4.74,"sentiment":"neutral","sentiment_score":0.034978636141334264},{"text":"Thanks.","start":14.16,"end":14.66,"sentiment":"positive","sentiment_score":0.3528609871864319},{"text":"Please stay on the line.","start":15.1449995,"end":16.525,"sentiment":"neutral","sentiment_score":0.18000616133213043}],"sentiment":"neutral","sentiment_score":0.0861022908772741,"num_words":21,"start":0.08,"end":16.525},{"sentences":[{"text":"Justin speaking.","start":31.41,"end":32.31,"sentiment":"neutral","sentiment_score":0.059688741341233253},{"text":"Hi.","start":33.41,"end":33.91,"sentiment":"neutral","sentiment_score":0.13183778524398804},{"text":"Hey.","start":37.41,"end":37.73,"sentiment":"neutral","sentiment_score":0.2057829052209854},{"text":"Good, man.","start":37.73,"end":38.21,"sentiment":"positive","sentiment_score":0.34497252106666565},{"text":"How are you?","start":38.21,"end":39.2,"sentiment":"neutral","sentiment_score":0.28490110238393146}],"sentiment":"neutral","sentiment_score":0.22240516915917397,"num_words":9,"start":31.41,"end":39.2},{"sentences":[{"text":"Yeah.","start":46.235,"end":46.475,"sentiment":"neutral","sentiment_score":0.16232603788375854},{"text":"That's fine, man.","start":46.475,"end":47.535,"sentiment":"neutral","sentiment_score":0.2582703431447347},{"text":"How long is this thing gonna take?","start":48.155,"end":50.015,"sentiment":"neutral","sentiment_score":0.09796853576387678},{"text":"Right.","start":63.989998,"end":64.49,"sentiment":"neutral","sentiment_score":0.1003631055355072},{"text":"Yeah.","start":69.03,"end":69.27,"sentiment":"neutral","sentiment_score":0.10946214944124222}],"sentiment":"neutral","sentiment_score":0.14098015943398842,"num_words":13,"start":46.235,"end":69.27},{"sentences":[{"text":"That's fine.","start":69.27,"end":70.07,"sentiment":"neutral","sentiment_score":0.15595842152833939},{"text":"Yep.","start":70.07,"end":70.57,"sentiment":"neutral","sentiment_score":0.17387166619300842},{"text":"Yeah.","start":73.935,"end":74.174995,"sentiment":"neutral","sentiment_score":0.16476930677890778},{"text":"Pretty good.","start":74.174995,"end":74.994995,"sentiment":"neutral","sentiment_score":0.25516121089458466},{"text":"Bit slower with work at the moment.","start":76.095,"end":78.174995,"sentiment":"neutral","sentiment_score":-0.1331020359482084}],"sentiment":"neutral","sentiment_score":0.017628152783100422,"num_words":13,"start":69.27,"end":78.174995},{"sentences":[{"text":"So so I was a bit stressful and, you know, less money.","start":78.174995,"end":82.674995,"sentiment":"neutral","sentiment_score":-0.21321495498220125},{"text":"Alright.","start":84.095,"end":84.595,"sentiment":"neutral","sentiment_score":-0.0029720913153141737},{"text":"Yeah.","start":84.814995,"end":85.314995,"sentiment":"neutral","sentiment_score":0.0009669959545135498},{"text":"Sure.","start":94.22,"end":94.72,"sentiment":"neutral","sentiment_score":0.18332311511039737},{"text":"Jason William Hale.","start":103.685,"end":105.305,"sentiment":"neutral","sentiment_score":0.05055704526603222}],"sentiment":"neutral","sentiment_score":-0.12364390579104009,"num_words":18,"start":78.174995,"end":105.305},{"sentences":[{"text":"'19 September.","start":105.604996,"end":107.704994,"sentiment":"neutral","sentiment_score":0.011940390802919865},{"text":"2 Slash 75 Murphy Road, Surmea.","start":108.725,"end":111.945,"sentiment":"neutral","sentiment_score":0.020144768990576267},{"text":"Did you send them today?","start":123.909996,"end":125.35,"sentiment":"neutral","sentiment_score":0.024687052890658378},{"text":"Or Alright.","start":125.35,"end":129.585,"sentiment":"neutral","sentiment_score":0.02300946693867445},{"text":"Hang on a second.","start":129.585,"end":130.485,"sentiment":"neutral","sentiment_score":0.03546955995261669}],"sentiment":"neutral","sentiment_score":0.0240043070363371,"num_words":19,"start":105.604996,"end":130.485},{"sentences":[{"text":"Yes.","start":139.745,"end":140.145,"sentiment":"neutral","sentiment_score":0.11402608454227448},{"text":"Signature request.","start":140.145,"end":141.365,"sentiment":"neutral","sentiment_score":0.07011118717491627},{"text":"Does it say sign document?","start":150.23,"end":152.01,"sentiment":"neutral","sentiment_score":0.03899541422724724},{"text":"Is that what you mean?","start":152.47,"end":153.69,"sentiment":"neutral","sentiment_score":0.05495196357369423},{"text":"Yeah.","start":153.75,"end":154.245,"sentiment":"neutral","sentiment_score":0.12243683636188508}],"sentiment":"neutral","sentiment_score":0.060458727447049956,"num_words":14,"start":139.745,"end":154.245},{"sentences":[{"text":"Text three.","start":165.525,"end":166.53,"sentiment":"neutral","sentiment_score":0.2175484597682953},{"text":"Alright.","start":191.47499,"end":191.97499,"sentiment":"neutral","sentiment_score":0.1709211766719818},{"text":"Hello?","start":240.235,"end":240.735,"sentiment":"neutral","sentiment_score":0.08089374005794525},{"text":"K.","start":254.75,"end":255.25,"sentiment":"neutral","sentiment_score":0.04871517792344093},{"text":"Two.","start":287.79,"end":288.29,"sentiment":"neutral","sentiment_score":0.1546514481306076}],"sentiment":"neutral","sentiment_score":0.14837974372009435,"num_words":6,"start":165.525,"end":288.29},{"sentences":[{"text":"Okay.","start":303.795,"end":304.295,"sentiment":"neutral","sentiment_score":0.014656705781817436},{"text":"Yeah.","start":312.62,"end":313.02,"sentiment":"neutral","sentiment_score":0.021068859845399857},{"text":"That's about it.","start":313.02,"end":314.22,"sentiment":"neutral","sentiment_score":0.017130780965089798},{"text":"Yes.","start":314.22,"end":314.72,"sentiment":"neutral","sentiment_score":0.07234355807304382},{"text":"Well, you can take I'm just looking at the assets and liabilities.","start":342.095,"end":346.595,"sentiment":"neutral","sentiment_score":0.016481850917140644}],"sentiment":"neutral","sentiment_score":0.019846870977845456,"num_words":18,"start":303.795,"end":346.595},{"sentences":[{"text":"Maybe you take that rice horses down a bit.","start":349.295,"end":352.27502,"sentiment":"neutral","sentiment_score":-0.035059230816033154},{"text":"I've got rid of some of those, and I've only got two left now.","start":352.33502,"end":358.11002,"sentiment":"neutral","sentiment_score":-0.032358732872775624},{"text":"It's probably a 100,000 there instead of 200,000.","start":360.73,"end":365.47,"sentiment":"neutral","sentiment_score":-0.012903786904644221},{"text":"Well, she had a she had a she's had a first preparation, so you don't really have a race.","start":369.105,"end":375.585,"sentiment":"neutral","sentiment_score":-0.06801015942504532},{"text":"Right?","start":375.585,"end":375.985,"sentiment":"neutral","sentiment_score":0.04290660470724106}],"sentiment":"neutral","sentiment_score":-0.04158964817978296,"num_words":51,"start":349.295,"end":375.985},{"sentences":[{"text":"You just she's won a trial, and she's done alright, but because she's just a baby, you don't wanna kill her.","start":375.985,"end":382.385,"sentiment":"neutral","sentiment_score":0.07036376833206132},{"text":"So, yeah, so I I asked about insurance on that horse, and they said about $100.","start":382.385,"end":392.03003,"sentiment":"neutral","sentiment_score":-0.031416880898177624},{"text":"So drop that down a bit because I got rid of the others.","start":392.41,"end":397.13498,"sentiment":"neutral","sentiment_score":-0.03148331693731821},{"text":"I kind of you know, not all wealthy course owners.","start":397.19498,"end":402.815,"sentiment":"neutral","sentiment_score":0.003609863482415676},{"text":"My property is be up another $200, though, because I just got it evaluated, so that'd be 9 50.","start":403.835,"end":414.05,"sentiment":"neutral","sentiment_score":0.07396112951008897}],"sentiment":"neutral","sentiment_score":0.025405645771305774,"num_words":79,"start":375.985,"end":414.05},{"sentences":[{"text":"The cars the cars are probably the same or maybe, you know, they're getting older, so maybe a bit less.","start":414.05,"end":420.87,"sentiment":"neutral","sentiment_score":0.03500355882570148},{"text":"So take $5 off that.","start":421.00998,"end":423.045,"sentiment":"neutral","sentiment_score":0.04934906512498856},{"text":"The gold top has gone up to 20, so that's good.","start":424.08502,"end":428.505,"sentiment":"positive","sentiment_score":0.44273726777596906},{"text":"The rest is probably the same.","start":430.725,"end":432.42502,"sentiment":"neutral","sentiment_score":0.049657983084519706},{"text":"I mean, I don't I'm not really sure that I would actually have 50 grands worth of contents, but it yeah.","start":432.565,"end":446.78,"sentiment":"neutral","sentiment_score":-0.04859486044872375}],"sentiment":"neutral","sentiment_score":0.08086321074219924,"num_words":63,"start":414.05,"end":446.78},{"sentences":[{"text":"Yeah.","start":448.75998,"end":449.24,"sentiment":"neutral","sentiment_score":0.00223635695874691},{"text":"That's probably right.","start":449.24,"end":450.53998,"sentiment":"neutral","sentiment_score":0.008156100753694771},{"text":"But yeah.","start":450.845,"end":451.365,"sentiment":"neutral","sentiment_score":-0.0013972246088087559},{"text":"So if you wanna make those adjustments, I don't know what that's not gonna really make any difference to anything, I suppose.","start":451.365,"end":458.86502,"sentiment":"neutral","sentiment_score":-0.08362703664566982},{"text":"Yeah.","start":462.765,"end":463.265,"sentiment":"neutral","sentiment_score":0.033810991793870926}],"sentiment":"neutral","sentiment_score":-0.061450813945125915,"num_words":29,"start":448.75998,"end":463.265},{"sentences":[{"text":"Yeah.","start":471.71,"end":472.19,"sentiment":"neutral","sentiment_score":0.08700842410326004},{"text":"Sure.","start":472.19,"end":472.69,"sentiment":"neutral","sentiment_score":0.23227378726005551},{"text":"It's not match, is it?","start":494.76,"end":496.3,"sentiment":"neutral","sentiment_score":-0.13451015949249268},{"text":"Yeah.","start":503.56,"end":503.72,"sentiment":"neutral","sentiment_score":-0.0013427715748548508},{"text":"Go ahead.","start":503.72,"end":504.38,"sentiment":"neutral","sentiment_score":0.03793586604297161}],"sentiment":"neutral","sentiment_score":-0.02787396255880594,"num_words":10,"start":471.71,"end":504.38},{"sentences":[{"text":"Yes.","start":529.95,"end":530.45,"sentiment":"neutral","sentiment_score":0.08067859709262848},{"text":"Right.","start":538.455,"end":538.955,"sentiment":"neutral","sentiment_score":0.17962752282619476},{"text":"Yep.","start":547.45996,"end":547.95996,"sentiment":"neutral","sentiment_score":0.07853270322084427},{"text":"So Yes.","start":548.18,"end":583.695,"sentiment":"neutral","sentiment_score":0.1362750492990017},{"text":"Yep.","start":608.34,"end":608.84,"sentiment":"neutral","sentiment_score":-0.012925095856189728}],"sentiment":"neutral","sentiment_score":0.09974397098024686,"num_words":6,"start":529.95,"end":608.84},{"sentences":[{"text":"Okay.","start":633.01,"end":633.51,"sentiment":"neutral","sentiment_score":0.14046324789524078},{"text":"Yeah.","start":633.65,"end":634.15,"sentiment":"neutral","sentiment_score":0.10445334762334824},{"text":"Well, I'll obviously be paying it's about what I pay in Superhour with my wages, it's it's not a lot, but it's about 1,000 about 1,500 a quarter, I suppose.","start":660.01,"end":675.175,"sentiment":"neutral","sentiment_score":0.024780937284231187},{"text":"So Yeah.","start":676.915,"end":686.44,"sentiment":"neutral","sentiment_score":0.2254587858915329},{"text":"You have to, man.","start":686.44,"end":687.74005,"sentiment":"neutral","sentiment_score":0.19441572949290276}],"sentiment":"neutral","sentiment_score":0.058340136942110564,"num_words":38,"start":633.01,"end":687.74005},{"sentences":[{"text":"Yeah.","start":718.61,"end":718.85,"sentiment":"neutral","sentiment_score":0.08695685118436813},{"text":"Well, they have to you have to do that now when you pay wages.","start":718.85,"end":722.87,"sentiment":"neutral","sentiment_score":0.04453900769086821},{"text":"Sorry.","start":723.81,"end":724.31,"sentiment":"neutral","sentiment_score":-0.004484916105866432},{"text":"Yeah.","start":730.335,"end":730.835,"sentiment":"neutral","sentiment_score":0.23636089265346527},{"text":"Sure.","start":734.495,"end":734.995,"sentiment":"neutral","sentiment_score":0.24375641345977783}],"sentiment":"neutral","sentiment_score":0.06589640827021664,"num_words":18,"start":718.61,"end":734.995},{"sentences":[{"text":"Okay.","start":735.055,"end":735.555,"sentiment":"neutral","sentiment_score":0.29715850949287415},{"text":"Yeah.","start":735.935,"end":736.255,"sentiment":"neutral","sentiment_score":0.2807336747646332},{"text":"I'll get on that.","start":736.255,"end":737.215,"sentiment":"neutral","sentiment_score":0.2405986711382866},{"text":"I'm just a little bit short at the moment.","start":737.215,"end":740.79,"sentiment":"neutral","sentiment_score":-0.12131912509600322},{"text":"It's a business, so I need to get some more money in the business.","start":740.79,"end":745.13,"sentiment":"neutral","sentiment_score":-0.08477440848946571}],"sentiment":"neutral","sentiment_score":-0.0254629991691688,"num_words":29,"start":735.055,"end":745.13},{"sentences":[{"text":"Yeah.","start":747.19,"end":747.69,"sentiment":"neutral","sentiment_score":0.04177882522344589},{"text":"Yeah.","start":777.98004,"end":778.48004,"sentiment":"neutral","sentiment_score":0.2392783164978027},{"text":"So I'm reading that now.","start":779.18,"end":781.18,"sentiment":"positive","sentiment_score":0.3609354317188263},{"text":"Yeah.","start":781.18,"end":781.68,"sentiment":"neutral","sentiment_score":0.25095707178115845},{"text":"Yeah.","start":795.335,"end":795.835,"sentiment":"neutral","sentiment_score":0.240084707736969}],"sentiment":"neutral","sentiment_score":0.2863084533148342,"num_words":9,"start":747.19,"end":795.835},{"sentences":[{"text":"Mhmm.","start":813.365,"end":813.865,"sentiment":"neutral","sentiment_score":0.04812789708375931},{"text":"What's what's my north consideration considered moving as to close into my north or separately manage?","start":825.99,"end":836.09,"sentiment":"neutral","sentiment_score":0.04459900478832424},{"text":"Yes.","start":852.275,"end":852.775,"sentiment":"neutral","sentiment_score":-0.09086836129426956},{"text":"Not worth it.","start":868.855,"end":870.075,"sentiment":"negative","sentiment_score":-0.5989890396595001},{"text":"Mhmm.","start":877.095,"end":877.595,"sentiment":"neutral","sentiment_score":-0.10589829087257384}],"sentiment":"neutral","sentiment_score":-0.05600099079310894,"num_words":22,"start":813.365,"end":877.595},{"sentences":[{"text":"So we're on page 19.","start":884.11005,"end":885.89,"sentiment":"neutral","sentiment_score":0.045215926319360736},{"text":"There's a lot of red a lot of red numbers there, mate.","start":887.87,"end":890.91003,"sentiment":"neutral","sentiment_score":-0.06474538535500567},{"text":"What's going on with them?","start":890.91003,"end":892.45,"sentiment":"neutral","sentiment_score":-0.018564822524785994},{"text":"Yeah.","start":922.56,"end":923.06,"sentiment":"neutral","sentiment_score":-0.0901315212249756},{"text":"Good.","start":962.435,"end":962.935,"sentiment":"neutral","sentiment_score":-0.11092352122068404}],"sentiment":"neutral","sentiment_score":-0.03519767282220224,"num_words":24,"start":884.11005,"end":962.935},{"sentences":[{"text":"Sure.","start":1030.88,"end":1031.38,"sentiment":"neutral","sentiment_score":-0.07686448097229004},{"text":"Okay.","start":1056.13,"end":1056.63,"sentiment":"neutral","sentiment_score":0.032340969890356064},{"text":"Yep.","start":1103.705,"end":1104.205,"sentiment":"neutral","sentiment_score":0.23288826644420624},{"text":"Yeah.","start":1149.235,"end":1149.735,"sentiment":"neutral","sentiment_score":0.2670254111289978},{"text":"Good.","start":1149.875,"end":1150.375,"sentiment":"positive","sentiment_score":0.37566328048706055}],"sentiment":"neutral","sentiment_score":0.16621068939566613,"num_words":5,"start":1030.88,"end":1150.375},{"sentences":[{"text":"Yep.","start":1187.075,"end":1187.575,"sentiment":"neutral","sentiment_score":0.04558940976858139},{"text":"Okay.","start":1205.0,"end":1205.5,"sentiment":"neutral","sentiment_score":0.2752858102321625},{"text":"So what if I was to say to you, you know, what have you done in the last twelve months?","start":1206.485,"end":1213.9451,"sentiment":"neutral","sentiment_score":0.12639495134353637},{"text":"Yeah.","start":1214.645,"end":1214.885,"sentiment":"neutral","sentiment_score":0.04215023294091225},{"text":"How much money have you made for me?","start":1214.885,"end":1217.145,"sentiment":"neutral","sentiment_score":0.029287737095728517}],"sentiment":"neutral","sentiment_score":0.10081375408316812,"num_words":31,"start":1187.075,"end":1217.145},{"sentences":[{"text":"That's a question, isn't it?","start":1217.925,"end":1219.285,"sentiment":"neutral","sentiment_score":-0.019404578721150756},{"text":"Because I know you guys might charge fees and everything.","start":1219.285,"end":1223.1901,"sentiment":"neutral","sentiment_score":-0.07173402309417724},{"text":"And I think I when I started, it was $4.5 or something to start up with you.","start":1224.21,"end":1231.01,"sentiment":"neutral","sentiment_score":-0.042621214271468276},{"text":"So no one's actually told me or informed me of, yeah, I don't know how my soup is going in fact.","start":1231.01,"end":1239.885,"sentiment":"neutral","sentiment_score":-0.09177231256450925},{"text":"Yes.","start":1240.425,"end":1240.825,"sentiment":"neutral","sentiment_score":0.089620441198349}],"sentiment":"neutral","sentiment_score":-0.06252818314479319,"num_words":54,"start":1217.925,"end":1240.825},{"sentences":[{"text":"So that's what I wouldn't mind knowing.","start":1240.825,"end":1243.245,"sentiment":"neutral","sentiment_score":0.04259339680096933},{"text":"Yeah.","start":1244.105,"end":1244.605,"sentiment":"neutral","sentiment_score":0.09173662960529327},{"text":"Yes.","start":1274.485,"end":1274.985,"sentiment":"neutral","sentiment_score":-0.009085116907954216},{"text":"Sure.","start":1276.725,"end":1277.225,"sentiment":"neutral","sentiment_score":0.02268657274544239},{"text":"I mean, yeah, what I wonder or ask is, you know, when Cbus or some of them say, oh, we can make it 9%.","start":1316.89,"end":1326.395,"sentiment":"neutral","sentiment_score":0.06617613990480702}],"sentiment":"neutral","sentiment_score":0.05857997708132162,"num_words":34,"start":1240.825,"end":1326.395},{"sentences":[{"text":"Yeah.","start":1327.015,"end":1327.335,"sentiment":"neutral","sentiment_score":0.018314704298973083},{"text":"Should I just have my money in another place, like, four I know we've had a lot of drama, but, you know, what's bank interest at the moment?","start":1327.335,"end":1337.27,"sentiment":"neutral","sentiment_score":-0.004351337997442377},{"text":"Five?","start":1337.89,"end":1338.39,"sentiment":"neutral","sentiment_score":0.006487345788627863},{"text":"Yes.","start":1346.85,"end":1347.35,"sentiment":"neutral","sentiment_score":0.04217224195599556},{"text":"Yeah.","start":1347.97,"end":1348.47,"sentiment":"neutral","sentiment_score":0.03142767399549484}],"sentiment":"neutral","sentiment_score":-0.0007323593090404756,"num_words":32,"start":1327.015,"end":1348.47},{"sentences":[{"text":"Right.","start":1362.205,"end":1362.705,"sentiment":"neutral","sentiment_score":0.039378464221954346},{"text":"Because.","start":1385.465,"end":1385.965,"sentiment":"neutral","sentiment_score":-0.0034637851640582085},{"text":"I mean, I suppose as short of it is, I just wanna be the best possible outcome I can have because, you know, I'm getting older by the day like everyone else.","start":1395.0901,"end":1404.4501,"sentiment":"neutral","sentiment_score":-0.02073577663395554},{"text":"And, yeah.","start":1404.4501,"end":1417.615,"sentiment":"neutral","sentiment_score":0.2777538523077965},{"text":"Well, can you can't you look at what I've had in c bus and go, well, you had this at the start and now you've got this.","start":1463.915,"end":1473.4349,"sentiment":"neutral","sentiment_score":0.03410444512135453}],"sentiment":"neutral","sentiment_score":0.01347138967719816,"num_words":63,"start":1362.205,"end":1473.4349},{"sentences":[{"text":"So here's your percentage.","start":1473.4349,"end":1474.735,"sentiment":"neutral","sentiment_score":0.04484411235898733},{"text":"Yeah.","start":1522.8351,"end":1523.0751,"sentiment":"positive","sentiment_score":0.5871493816375732},{"text":"I under I understand that because you thought you're upfront right from the start that I could do that anytime.","start":1523.0751,"end":1529.0951,"sentiment":"neutral","sentiment_score":0.06416993802413344},{"text":"But I suppose, you know, I've I'm trust and trust in you guys who will go better than what C plus are claiming.","start":1529.58,"end":1537.4199,"sentiment":"neutral","sentiment_score":0.1404329262997793},{"text":"So, you know, if you yeah.","start":1537.4199,"end":1540.22,"sentiment":"neutral","sentiment_score":0.05452329106628895}],"sentiment":"neutral","sentiment_score":0.10383373412683054,"num_words":54,"start":1473.4349,"end":1540.22},{"sentences":[{"text":"I'm a I used to be a bookmaker.","start":1540.22,"end":1542.96,"sentiment":"neutral","sentiment_score":0.01572405407205224},{"text":"I've worked with a bookmaker.","start":1543.26,"end":1544.48,"sentiment":"neutral","sentiment_score":0.027768537402153015},{"text":"So it basically got this side of the ledger and that side.","start":1544.62,"end":1548.595,"sentiment":"neutral","sentiment_score":0.028990057452271383},{"text":"It's basic maths.","start":1548.595,"end":1549.875,"sentiment":"neutral","sentiment_score":0.03110523521900177},{"text":"Right?","start":1549.875,"end":1550.375,"sentiment":"neutral","sentiment_score":0.009605009108781816}],"sentiment":"neutral","sentiment_score":0.02467022495793885,"num_words":29,"start":1540.22,"end":1550.375},{"sentences":[{"text":"I mean, I'm not I don't understand every share that you're investing in and all that list on the page.","start":1550.9149,"end":1557.955,"sentiment":"neutral","sentiment_score":-0.14888246171176434},{"text":"I don't I don't even know what half of those are.","start":1557.955,"end":1560.7749,"sentiment":"neutral","sentiment_score":-0.19631433216008273},{"text":"But yeah.","start":1561.0399,"end":1562.1599,"sentiment":"neutral","sentiment_score":-0.08166667819023132},{"text":"You know what I mean?","start":1562.1599,"end":1563.2,"sentiment":"neutral","sentiment_score":-0.06459690034389495},{"text":"All I want at the end of the day is, you know, will I be better off staying with you guys for another twelve months, or am I gonna be better off going back to see Bus two?","start":1563.2,"end":1574.215,"sentiment":"neutral","sentiment_score":-0.12247526175097416}],"sentiment":"neutral","sentiment_score":-0.13523006174517305,"num_words":76,"start":1550.9149,"end":1574.215},{"sentences":[{"text":"I mean, I trust them because I'm a tradie.","start":1574.215,"end":1576.7949,"sentiment":"neutral","sentiment_score":-0.0503219072189596},{"text":"Do you know what I mean?","start":1577.095,"end":1578.155,"sentiment":"neutral","sentiment_score":-0.07844460569322109},{"text":"So that's how it is.","start":1578.375,"end":1580.955,"sentiment":"neutral","sentiment_score":0.033888934552669524},{"text":"That's that's the short of it.","start":1581.975,"end":1583.6749,"sentiment":"neutral","sentiment_score":-0.1110697677358985},{"text":"So Yeah.","start":1584.215,"end":1596.42,"sentiment":"neutral","sentiment_score":0.1425606720149517}],"sentiment":"neutral","sentiment_score":-0.040550621026860814,"num_words":28,"start":1574.215,"end":1596.42},{"sentences":[{"text":"Oh, that's great.","start":1607.235,"end":1608.295,"sentiment":"neutral","sentiment_score":0.25849958260854083},{"text":"Sure.","start":1639.395,"end":1639.895,"sentiment":"positive","sentiment_score":0.4200504422187805},{"text":"But I'd be able to would that be easier for me to do?","start":1661.1951,"end":1664.4751,"sentiment":"neutral","sentiment_score":0.07032968046573493},{"text":"Seeing, you know, surely, as a member, I can ring up and say, look.","start":1664.4751,"end":1669.95,"sentiment":"neutral","sentiment_score":0.03655654697545937},{"text":"I need these details from my accountant or something like that.","start":1669.95,"end":1673.4099,"sentiment":"neutral","sentiment_score":0.007882260124791752}],"sentiment":"neutral","sentiment_score":0.06448408464590709,"num_words":42,"start":1607.235,"end":1673.4099},{"sentences":[{"text":"Yeah.","start":1675.07,"end":1675.57,"sentiment":"neutral","sentiment_score":0.1924327313899994},{"text":"What you've told me there is is pretty good.","start":1685.875,"end":1688.595,"sentiment":"neutral","sentiment_score":0.30405254496468437},{"text":"I'm happy with that.","start":1688.595,"end":1690.035,"sentiment":"neutral","sentiment_score":0.3138071969151497},{"text":"I understand it goes up and down and, you know, you can't.","start":1690.035,"end":1694.275,"sentiment":"neutral","sentiment_score":-0.06676301546394825},{"text":"But the thing is you don't wanna say, well, I'm gonna be retiring in two years.","start":1694.275,"end":1699.63,"sentiment":"neutral","sentiment_score":-0.15113610960543156}],"sentiment":"neutral","sentiment_score":0.022971440106630325,"num_words":42,"start":1675.07,"end":1699.63},{"sentences":[{"text":"Well, I mean, you'd like to say that, but, yeah, you don't wanna go the year before and then lose all your money because of the global financial crisis or some some drama that Trump's done.","start":1700.09,"end":1713.2051,"sentiment":"neutral","sentiment_score":-0.25646708471079666},{"text":"You know what I mean?","start":1713.265,"end":1714.405,"sentiment":"neutral","sentiment_score":-0.08743802160024643},{"text":"Yeah.","start":1745.615,"end":1746.115,"sentiment":"neutral","sentiment_score":-0.15281599760055542},{"text":"No.","start":1756.19,"end":1756.69,"sentiment":"negative","sentiment_score":-0.5506182909011841},{"text":"Well, everyone's gonna be grumpy.","start":1762.99,"end":1764.61,"sentiment":"negative","sentiment_score":-0.46270565390586854}],"sentiment":"neutral","sentiment_score":-0.26431182740877074,"num_words":48,"start":1700.09,"end":1764.61},{"sentences":[{"text":"Yes.","start":1764.83,"end":1765.305,"sentiment":"neutral","sentiment_score":-0.02326357178390026},{"text":"Yes.","start":1811.5599,"end":1812.0599,"sentiment":"neutral","sentiment_score":0.13699591159820557},{"text":"Right.","start":1840.84,"end":1841.34,"sentiment":"neutral","sentiment_score":0.08347977697849274},{"text":"Yep.","start":1881.0549,"end":1881.5549,"sentiment":"neutral","sentiment_score":0.08300819247961044},{"text":"Perfect.","start":1884.735,"end":1885.235,"sentiment":"neutral","sentiment_score":0.26355183124542236}],"sentiment":"neutral","sentiment_score":0.10875442810356617,"num_words":5,"start":1764.83,"end":1885.235},{"sentences":[{"text":"Alright.","start":1886.0149,"end":1886.5149,"sentiment":"neutral","sentiment_score":0.13943253457546234},{"text":"Okay.","start":1886.735,"end":1887.235,"sentiment":"neutral","sentiment_score":0.09775516390800476},{"text":"Well, I I don't wanna cut it short, but I do have to go.","start":1887.2949,"end":1891.875,"sentiment":"neutral","sentiment_score":0.027046523722154752},{"text":"But everything you told me has been fine.","start":1892.6,"end":1895.3201,"sentiment":"positive","sentiment_score":0.35447694547474384},{"text":"I'm happy with that.","start":1895.3201,"end":1896.54,"sentiment":"positive","sentiment_score":0.5831924676895142}],"sentiment":"neutral","sentiment_score":0.20658658804105862,"num_words":28,"start":1886.0149,"end":1896.54},{"sentences":[{"text":"Yes.","start":1899.24,"end":1899.74,"sentiment":"neutral","sentiment_score":0.060044437646865845},{"text":"Sure.","start":1902.4401,"end":1902.9401,"sentiment":"neutral","sentiment_score":0.08242051303386688},{"text":"So you think that's the best thing to do?","start":1946.57,"end":1948.99,"sentiment":"positive","sentiment_score":0.333838767475552},{"text":"Yeah.","start":1951.05,"end":1951.55,"sentiment":"positive","sentiment_score":0.6922923922538757},{"text":"Yes.","start":1955.93,"end":1956.43,"sentiment":"positive","sentiment_score":0.6723324060440063}],"sentiment":"positive","sentiment_score":0.3470491274045064,"num_words":13,"start":1899.24,"end":1956.43},{"sentences":[{"text":"Yes.","start":1983.75,"end":1984.25,"sentiment":"positive","sentiment_score":0.4339487552642822},{"text":"Okay.","start":1984.95,"end":1985.45,"sentiment":"positive","sentiment_score":0.5738983154296875},{"text":"Sure.","start":1988.065,"end":1988.465,"sentiment":"positive","sentiment_score":0.5573066473007202},{"text":"Yep.","start":1988.465,"end":1988.965,"sentiment":"positive","sentiment_score":0.4261763095855713},{"text":"Yep.","start":2000.545,"end":2001.045,"sentiment":"neutral","sentiment_score":0.2589850127696991}],"sentiment":"positive","sentiment_score":0.45006300806999205,"num_words":5,"start":1983.75,"end":2001.045},{"sentences":[{"text":"Good.","start":2001.265,"end":2001.72,"sentiment":"positive","sentiment_score":0.4361264705657959},{"text":"So, yeah, I made a sign something.","start":2003.08,"end":2005.1,"sentiment":"neutral","sentiment_score":0.10282312759331294},{"text":"Sign this.","start":2005.96,"end":2006.78,"sentiment":"neutral","sentiment_score":0.09843238815665245},{"text":"Okay.","start":2021.8049,"end":2022.3049,"sentiment":"neutral","sentiment_score":0.0823068767786026},{"text":"I might I might just yeah.","start":2027.8049,"end":2031.03,"sentiment":"neutral","sentiment_score":0.05141979983697335}],"sentiment":"neutral","sentiment_score":0.1025634597548667,"num_words":17,"start":2001.265,"end":2031.03},{"sentences":[{"text":"I told you that I've got a couple of mates that are bankers.","start":2031.03,"end":2035.2101,"sentiment":"neutral","sentiment_score":0.02939532124079191},{"text":"I wouldn't mind them just reading through this information before I sign it.","start":2035.67,"end":2040.7301,"sentiment":"neutral","sentiment_score":0.016955291758327242},{"text":"And, I mean, if they come up with any yeah.","start":2041.03,"end":2044.39,"sentiment":"neutral","sentiment_score":0.05500689223408699},{"text":"What are you yeah.","start":2044.39,"end":2045.7001,"sentiment":"neutral","sentiment_score":0.048566121608018875},{"text":"Ask about this or that, then I can get back to you and ask you those questions.","start":2046.255,"end":2050.5151,"sentiment":"neutral","sentiment_score":0.10098436803502195}],"sentiment":"neutral","sentiment_score":0.05374781814661171,"num_words":57,"start":2031.03,"end":2050.5151},{"sentences":[{"text":"Right?","start":2050.575,"end":2051.075,"sentiment":"neutral","sentiment_score":0.11039701104164124},{"text":"Yeah.","start":2053.215,"end":2053.715,"sentiment":"neutral","sentiment_score":0.05591720342636109},{"text":"Well, one of them is a a close friend.","start":2056.0151,"end":2059.71,"sentiment":"neutral","sentiment_score":-0.0019932055794116524},{"text":"We call him the bank whore because he's worked at every bank, but now he's working at the government.","start":2060.1099,"end":2066.6099,"sentiment":"neutral","sentiment_score":0.0005101922801450679},{"text":"So he's not working at a bank anymore, but he's worked, like, six different banks, and he's, yeah, he's the same age as me.","start":2067.15,"end":2075.955,"sentiment":"neutral","sentiment_score":-0.028737366723362356}],"sentiment":"neutral","sentiment_score":-0.009844958958974867,"num_words":54,"start":2050.575,"end":2075.955},{"sentences":[{"text":"And now he's got a cushy government job where he just rings up the farmers and tells them they can't have that loan.","start":2076.095,"end":2083.235,"sentiment":"neutral","sentiment_score":-0.07718575016959854},{"text":"Yeah.","start":2086.44,"end":2086.94,"sentiment":"neutral","sentiment_score":0.04740037769079208},{"text":"Basically, government lending for and then, yeah, twelve months, he did that, and then he was doing, like, fishery licensing and yeah.","start":2087.16,"end":2096.92,"sentiment":"neutral","sentiment_score":0.058334358798509296},{"text":"So he's got a pretty good gig with the government now because you can never get sacked from the government.","start":2096.92,"end":2102.9749,"sentiment":"neutral","sentiment_score":0.06020774245262146},{"text":"Right?","start":2103.115,"end":2103.515,"sentiment":"neutral","sentiment_score":-0.043272703886032104}],"sentiment":"neutral","sentiment_score":0.010692032276472049,"num_words":67,"start":2076.095,"end":2103.515},{"sentences":[{"text":"It's pretty hard to okay.","start":2103.515,"end":2110.7349,"sentiment":"neutral","sentiment_score":-0.09174226522445679},{"text":"Sure.","start":2118.01,"end":2118.51,"sentiment":"neutral","sentiment_score":-0.029834944754838943},{"text":"Yeah.","start":2121.61,"end":2122.09,"sentiment":"neutral","sentiment_score":-0.0746520534157753},{"text":"Yeah.","start":2122.09,"end":2122.4102,"sentiment":"neutral","sentiment_score":-0.013980485498905182},{"text":"Yeah.","start":2122.4102,"end":2122.73,"sentiment":"neutral","sentiment_score":0.01167222484946251}],"sentiment":"neutral","sentiment_score":-0.06283406499359342,"num_words":9,"start":2103.515,"end":2122.73},{"sentences":[{"text":"Yeah.","start":2122.73,"end":2123.23,"sentiment":"neutral","sentiment_score":0.01699879951775074},{"text":"No.","start":2131.655,"end":2132.155,"sentiment":"neutral","sentiment_score":-0.24371612071990967},{"text":"I don't think so, mate.","start":2132.535,"end":2134.075,"sentiment":"neutral","sentiment_score":-0.1663316674530506},{"text":"I I understand.","start":2134.215,"end":2135.195,"sentiment":"neutral","sentiment_score":-0.13415503253539404},{"text":"Yeah.","start":2135.415,"end":2135.655,"sentiment":"neutral","sentiment_score":-0.1227199137210846}],"sentiment":"neutral","sentiment_score":-0.14396006089042535,"num_words":11,"start":2122.73,"end":2135.655},{"sentences":[{"text":"I wouldn't bother.","start":2135.655,"end":2136.615,"sentiment":"neutral","sentiment_score":-0.2094126045703888},{"text":"I mean, yeah, they're they're only gonna try and sell themselves anyway.","start":2136.615,"end":2142.1501,"sentiment":"neutral","sentiment_score":-0.26168278977274895},{"text":"Right?","start":2142.1501,"end":2142.6501,"sentiment":"neutral","sentiment_score":-0.0692785456776619},{"text":"So yeah.","start":2142.79,"end":2144.4102,"sentiment":"neutral","sentiment_score":-0.02494613267481327},{"text":"Yeah.","start":2158.335,"end":2158.575,"sentiment":"neutral","sentiment_score":0.08521720767021179}],"sentiment":"neutral","sentiment_score":-0.2001255207548016,"num_words":19,"start":2135.655,"end":2158.575},{"sentences":[{"text":"No.","start":2158.575,"end":2158.895,"sentiment":"neutral","sentiment_score":0.014982260763645172},{"text":"That's perfect.","start":2158.895,"end":2159.795,"sentiment":"positive","sentiment_score":0.36170056462287903},{"text":"Righto.","start":2167.615,"end":2168.115,"sentiment":"neutral","sentiment_score":0.20321588218212128},{"text":"Okay.","start":2169.19,"end":2169.51,"sentiment":"neutral","sentiment_score":0.29667121171951294},{"text":"Thanks, mate.","start":2169.51,"end":2170.4102,"sentiment":"positive","sentiment_score":0.6764308214187622}],"sentiment":"positive","sentiment_score":0.3701617323926517,"num_words":7,"start":2158.575,"end":2170.4102},{"sentences":[{"text":"Take it easy, Donna.","start":2171.03,"end":2172.23,"sentiment":"positive","sentiment_score":0.4508291482925415},{"text":"I'll talk to you soon.","start":2172.23,"end":2173.53,"sentiment":"positive","sentiment_score":0.47460339665412904},{"text":"If if you haven't heard from me, just shoot me another email and say hurry up or something like that.","start":2175.6702,"end":2181.4302,"sentiment":"neutral","sentiment_score":0.02781084505841136},{"text":"Right?","start":2181.4302,"end":2181.6702,"sentiment":"neutral","sentiment_score":0.05637047067284584},{"text":"Because I've got a bit going on.","start":2181.6702,"end":2183.565,"sentiment":"neutral","sentiment_score":0.10251416159527642}],"sentiment":"neutral","sentiment_score":0.14882486701213024,"num_words":37,"start":2171.03,"end":2183.565},{"sentences":[{"text":"Alright.","start":2184.125,"end":2184.625,"sentiment":"neutral","sentiment_score":0.26952871680259705},{"text":"Thank you very much for your time.","start":2184.685,"end":2186.545,"sentiment":"positive","sentiment_score":0.8100457276616778},{"text":"See you.","start":2188.4448,"end":2189.005,"sentiment":"positive","sentiment_score":0.509802907705307},{"text":"Bye.","start":2189.005,"end":2189.505,"sentiment":"neutral","sentiment_score":0.3283551037311554},{"text":"Bye.","start":2191.2449,"end":2191.7449,"sentiment":"neutral","sentiment_score":-0.10111083835363388}],"sentiment":"positive","sentiment_score":0.5988915742685398,"num_words":12,"start":2184.125,"end":2191.7449}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. Called your name and reason for calling. I'll see if this person is available.\n\nChannel 0: Dana Oakley Financial.\n\nChannel 1: Thanks. Please stay on the line. Justin speaking.\n\nChannel 0: Hi, Jason.\n\nChannel 1: Hi.\n\nChannel 0: It's Dana Dana from OQ Financial. How are you this afternoon?\n\nChannel 1: Hey. Good, man. How are you?\n\nChannel 0: That I'm very well. Thank you. I just had you booked in today just to go through your updated statement of advice. Is now still a good time there for you?\n\nChannel 1: Yeah. That's fine, man.\n\nChannel 0: Oh, fantastic.\n\nChannel 1: How long is this thing gonna take?\n\nChannel 0: Oh, not very long. It's a very simple one. It's more just about retaining, obviously, your two super funds and doing an investment switch in there because I have sort of found there's some changes I'd love to make to your super to make sure they are working a bit better for you. But I\n\nChannel 1: Right.\n\nChannel 0: can have it done easily in about ten, fifteen minutes for you if that's if that's okay.\n\nChannel 1: Yeah. That's fine. Yep.\n\nChannel 0: That's okay. Beautiful. And how's your day been so far?\n\nChannel 1: Yeah. Pretty good.\n\nChannel 0: Yeah. Yeah. It's good. You\n\nChannel 1: Bit\n\nChannel 0: nearly\n\nChannel 1: slower\n\nChannel 0: finished.\n\nChannel 1: with work at the moment.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: so I was a bit stressful and, you know, less money.\n\nChannel 0: Absolutely.\n\nChannel 1: Alright. Yeah.\n\nChannel 0: Absolutely. No. All good. Now, Jason, before I jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Sure.\n\nChannel 0: Fantastic. And just to do a really quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on\n\nChannel 1: Jason\n\nChannel 0: file.\n\nChannel 1: William Hale. '19\n\nChannel 0: Yep.\n\nChannel 1: September.\n\nChannel 0: Yep.\n\nChannel 1: 2 Slash 75 Murphy Road, Surmea.\n\nChannel 0: Fantastic. Thank you so much for that. So, Jason, I have sent a document through to you. Are you able to look at your emails? If you can't, that's honestly okay.\n\nChannel 1: Did you send them today? Or\n\nChannel 0: Yeah. Just then.\n\nChannel 1: Alright. Hang on a second. Yes. Signature request.\n\nChannel 0: Yeah. So if you press the signature button, it'll let you go through forward so you can just review the document.\n\nChannel 1: Does it say sign document? Is that\n\nChannel 0: Yep.\n\nChannel 1: what you mean? Yeah.\n\nChannel 0: Yeah. I won't ever ask you to sign anything you haven't read, but this allows you to be able to scroll up and down so you can view the document. That way, I'm not talking at you, and you can see exactly what I'm talking about. Yeah.\n\nChannel 1: Text three.\n\nChannel 0: Fantastic. Now on the front page of that document, when you are looking at it, it'll say statement of advice prepared for yourself, Jason Hale, as of the 07/08/2026. Our documents are valid for sixty days from the date on the front of the document there. On the bottom of the front page has my authorized representative number. So I'm a licensed financial adviser registered through ASIC, and my registration number is 1304394.\n\nOkay?\n\nChannel 1: Alright.\n\nChannel 0: The next couple of pages run you through the best interest duty, the table of contents, and areas that we are scoping in and out with regards to the advice. When we did your annual review last, we sort of talked about looking at the retention side of things. So you had a bit of extra money sitting in your c bus account. We wanted to go back and review the investments within Hub twenty four and c bus to make sure that everything was in line with your risk profile. You're also in that growth environment, and you wanted to take on a little bit more risk to get a bit more growth out of your super as we work towards your retirement goals there.\n\nYou were hoping to be able to access super at around about age 65. So we've looked at increasing your risk level a little bit, but also readjusting your portfolio to make sure that you're inside that risk level, but also that your super fund is working at its best possible capacity. Okay?\n\nChannel 1: Hello?\n\nChannel 0: I've also scoped in the estate planning side of things. So just making sure that in the event of passing, that your beneficiary nominations are up to date to make sure all the proceeds are passed to your wife in the event that something happens to\n\nChannel 1: K.\n\nChannel 0: you. We are not making any new recommendations around TV or income protection, so you are happy with the level of cover you had in c bus at the moment and your personally paid direct policy with the income protection. We just want to retain, obviously, the c bus account to retain the level of cover you have. However, it's been limited scoped into the advice because the cover is paid out of your super, so it does have an effect on your overall retirement projections. So whilst we don't make any new recommendations, we do consider that as part of the projection table for you.\n\nOkay?\n\nChannel 1: Two.\n\nChannel 0: Excellent. And you don't have any life or trauma cover. You weren't wanting to get any new insurances other than what you already held, so we're not making any recommendations around that. We've also scoped out debt management and additional contributions. So you didn't wanna make any additional contributions\n\nChannel 1: Okay.\n\nChannel 0: yet. You were hoping to, pay down your mortgage first, have that all covered, then make additional contributions down the track. Does that still sound appropriate for you? Does that still sound appropriate for\n\nChannel 1: Yeah.\n\nChannel 0: you?\n\nChannel 1: That's about it. Yes.\n\nChannel 0: That's right? Excellent. Fantastic. As you get through pages number nine and ten, it does have a list of your assets and liabilities on page 10 there, just what we had noted at our last conversation. If I can just get you to run your eyes over that for me.\n\nI know your mortgage hopefully has been paid down a little bit there. Is there anything that you would like me to have updated in the back end that may have changed since we last called out?\n\nChannel 1: Well, you can take I'm just looking at the assets and liabilities.\n\nChannel 0: Yeah.\n\nChannel 1: Maybe you take that rice horses down a bit. I've\n\nChannel 0: Yep.\n\nChannel 1: got rid of some of those, and\n\nChannel 0: Okay.\n\nChannel 1: I've only got two left now.\n\nChannel 0: What sort of value do you think you put on\n\nChannel 1: It's\n\nChannel 0: those\n\nChannel 1: probably\n\nChannel 0: now?\n\nChannel 1: a 100,000 there\n\nChannel 0: Yep.\n\nChannel 1: instead of 200,000.\n\nChannel 0: Yep. They haven't been winning for you.\n\nChannel 1: Well, she had a she had a she's had a first preparation, so you don't really have a race.\n\nChannel 0: Yeah.\n\nChannel 1: Right? You just\n\nChannel 0: Yep.\n\nChannel 1: she's won a trial, and she's done alright, but because she's just a baby, you don't wanna kill her. So,\n\nChannel 0: No. Of\n\nChannel 1: yeah,\n\nChannel 0: course.\n\nChannel 1: so I I asked about insurance on that horse, and they said about $100. So\n\nChannel 0: Okay.\n\nChannel 1: drop that down a bit because I got rid of the others. I\n\nChannel 0: Absolutely.\n\nChannel 1: kind\n\nChannel 0: Yeah.\n\nChannel 1: of you know, not all wealthy course owners.\n\nChannel 0: Yeah.\n\nChannel 1: My property is be up another $200, though, because I just\n\nChannel 0: Yep.\n\nChannel 1: got it evaluated, so that'd be 9\n\nChannel 0: Nine fifty. Fantastic.\n\nChannel 1: 50.\n\nChannel 0: Excellent.\n\nChannel 1: The cars the cars are probably the same or maybe, you know, they're getting older, so maybe a bit less. So take\n\nChannel 0: Yep.\n\nChannel 1: $5 off that.\n\nChannel 0: 10,000.\n\nChannel 1: The gold top has gone up\n\nChannel 0: Fantastic.\n\nChannel 1: to 20, so that's\n\nChannel 0: Fantastic.\n\nChannel 1: good.\n\nChannel 0: Yeah.\n\nChannel 1: The rest is probably the same.\n\nChannel 0: The\n\nChannel 1: I\n\nChannel 0: same.\n\nChannel 1: mean, I don't I'm not really sure that I would actually have 50 grands worth of contents, but\n\nChannel 0: I don't know. I\n\nChannel 1: it\n\nChannel 0: reckon if you realistically, if you took your house upside down, everything fell out. That's all your content. So that's quite\n\nChannel 1: yeah.\n\nChannel 0: a lot of things to replace when you think about it.\n\nChannel 1: Yeah. That's probably right.\n\nChannel 0: Yeah.\n\nChannel 1: But yeah. So if you wanna make those adjustments,\n\nChannel 0: Yeah.\n\nChannel 1: I don't know what that's not gonna really make any difference to anything, I suppose.\n\nChannel 0: No. That's okay. I'd just like to update in the back end for you. So it won't I won't worry\n\nChannel 1: Yeah.\n\nChannel 0: about updating the advice document because it doesn't change any of the advice provided, but it's good to update it in the back end for you just so we can have things updated and reflective.\n\nChannel 1: Yeah.\n\nChannel 0: Okay?\n\nChannel 1: Sure.\n\nChannel 0: Fantastic. Underneath that, we've got your current super balance. So within Hub 24 and your c bus, at the moment, you have about eleven thousand two fifty three in c bus. Could be a bit more since we did this document a few weeks back. And then your balance in Hub 24 is at the $242,004.92.\n\nOkay. We've got your insurance\n\nChannel 1: It's\n\nChannel 0: policy\n\nChannel 1: not match,\n\nChannel 0: within\n\nChannel 1: is it?\n\nChannel 0: it's not much. It's getting there, though. You still got a bit of time ahead of you. See what I can do to make things work a bit harder for you.\n\nChannel 1: Yeah. Go ahead.\n\nChannel 0: On the next page there, your current insurances. So within C Bus there, you do have 80 sorry. 82,500 of TBD cover and some income protection there with a thirty day wait and two year benefit period. And then within Zurich, you've also got a bit of extra income protection for top up cover there with a thirty day waiting period and two year benefits period. The current sum insured there is $1.09 $9.02.\n\nOkay?\n\nChannel 1: Yes.\n\nChannel 0: To make this a bit easier, if you can go down to page number 14 for me, this is where the recommendations essentially start. I'll\n\nChannel 1: Right.\n\nChannel 0: go through them nice and easily, and then you feel free to ask me questions. If you do have any questions throughout, you can just interrupt me and say, Daniel, just stop and let me ask some\n\nChannel 1: Yep.\n\nChannel 0: questions and\n\nChannel 1: So\n\nChannel 0: ask anything you have. Okay? We are recommending that you do retain your CBass super fund to retain your insurances, but we only wanna hold that with a minimum amount of cover. So you'll keep your contributions going into CBass as they are, and then we're gonna roll all of that. Retain C bus with a balance of $10,000 and keep your contributions moving in.\n\nEssentially, every year, anything above that 10,000, we wanna have rolled that into hub twenty four and keep that money moving so it is invested within Hub 24 hoping to get greater growth there for you.\n\nChannel 1: Yes.\n\nChannel 0: I'm also recommending we retain hub twenty four. I did review both super funds. They are still working really well. Hub twenty four is still a great fund. And, obviously, if we did, there are other funds that that could be a bit cheaper.\n\nBut if we look to, sell down all of the investments and remove all the funds, the CGT affects your super fund just like you actually pays tax every year and has pays capital gains tax and income tax.\n\nChannel 1: Yep.\n\nChannel 0: If we were to sell down and move to another fund, it would have a greater a larger CGT effect for your super, which meant which means your fund would have to pay more tax. So it is best to retain hub twenty four at the moment. Realistically, hub twenty four hasn't made any changes that are detrimental. It is still a great fund and still has the most amount of investment options to be able to adjust your portfolio within. Okay?\n\nChannel 1: Okay. Yeah.\n\nChannel 0: Because your super balance is only at 11,000, normally, we wanna roll over 10,000 over. I do not see a need to roll, basically, a $1,000 out of the c bus account. So what I will do for now is I'm not gonna do a rollover right now. We'll probably just wait till the next catch up. We'll check the c bus balance then.\n\nAnd if we need to do a rollover, then if the balance is a bit higher, then we'll roll some money out for you. Okay?\n\nChannel 1: Well, I'll obviously be paying it's about what I pay in Superhour with my wages, it's it's not a lot, but it's about 1,000 about 1,500 a quarter, I suppose.\n\nChannel 0: Yeah. I am recommending\n\nChannel 1: So\n\nChannel 0: that you make those do change and have that paid on more of a regular basis. So so instead of doing it quarterly, try doing it weekly or fortnightly.\n\nChannel 1: Yeah.\n\nChannel 0: That way\n\nChannel 1: You\n\nChannel 0: you're\n\nChannel 1: have\n\nChannel 0: putting\n\nChannel 1: to, man.\n\nChannel 0: smaller amounts in. Yeah. That way you're putting smaller amounts in more regularly. Your super fund actually benefits greater from that because you're properly dollar cost averaging into the fund. But it also means instead of having a larger lump sum on a quarterly basis, you're just putting smaller amounts in more regularly, so it's much more manageable to do for you.\n\nSo I'm also recommending as part of the advice that you make that small change. And every week or fortnight, you just make that additional contribution in and out of your self employed wages. Okay?\n\nChannel 1: Yeah. Well, they have to you have to do that now when you pay\n\nChannel 0: Yeah.\n\nChannel 1: wages. Sorry.\n\nChannel 0: Yeah. Yeah. Comp companies are definitely supposed to. I'm pretty sure for yourself, it it is best to do so as well. So it\n\nChannel 1: Yeah.\n\nChannel 0: just it works out to benefit you much greater in the long run. Yeah.\n\nChannel 1: Sure. Okay.\n\nChannel 0: Excellent.\n\nChannel 1: Yeah. I'll get on that. I'm just\n\nChannel 0: That's\n\nChannel 1: a little\n\nChannel 0: okay.\n\nChannel 1: bit short at the moment. It's a business, so\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: Yeah.\n\nChannel 1: need to get some more money in the business.\n\nChannel 0: Yeah. Absolutely. No. That's\n\nChannel 1: Yeah.\n\nChannel 0: not a problem at all. Underneath that section, I'll let you have a bit of a read through it after. But we have the best interest duty, which essentially relates the recommendations back to your goals and why they are in your best interest. I'm also recommending that we increase your risk in the portfolio and move into more of a high growth environment as well. We'll make sure we monitor that moving forward.\n\nSo when and if you decide you'll no longer feel that that's appropriate or you're a bit concerned about the risk level, just let us know, and we can always reduce that back if we if you need to. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Excellent.\n\nChannel 1: So I'm reading that now. Yeah.\n\nChannel 0: Yeah. All good. I've also got underneath that the advantages, disadvantages, the risks involved, and any additional considerations that we have made for you as well. So any alternatives that we've considered, essentially. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. When you have a rate through that and you're comfortable to move on, if I can get you to move down to page number 19 for me, I'm also recommending we do make a bit of an additional change to the investments within your super.\n\nChannel 1: Mhmm.\n\nChannel 0: So sorry. Just let me know when you're when\n\nChannel 1: What's\n\nChannel 0: you're good in your\n\nChannel 1: what's\n\nChannel 0: move down.\n\nChannel 1: my north consideration considered moving as to close into my north or\n\nChannel 0: Yeah.\n\nChannel 1: separately\n\nChannel 0: Very similar\n\nChannel 1: manage?\n\nChannel 0: to HAB 24. It's an adviser platform, and it has access to lots of different investment options there. I did consider and look at the option of moving to another platform like my North, But, unfortunately, it came out to be too cost too expensive to do. So so while they're\n\nChannel 1: Yes.\n\nChannel 0: more cheaper funds, the CGT would have cost had 24 with your super fund about over $5,000 to sell down wholly and move into my north. And when you consider the contributions going in and the fees, by having\n\nChannel 1: Not\n\nChannel 0: to pay\n\nChannel 1: worth\n\nChannel 0: that\n\nChannel 1: it.\n\nChannel 0: CGT, it's not worth it. You don't make that money back fast enough towards your retirement even in the high growth portfolios. So I\n\nChannel 1: Mhmm.\n\nChannel 0: weighed up the options and did all the math and looked at it and decided it was best for you to retain Hub twenty four. Yeah.\n\nChannel 1: So we're on page 19.\n\nChannel 0: Yep. You'll\n\nChannel 1: There's\n\nChannel 0: see\n\nChannel 1: a lot\n\nChannel 0: all\n\nChannel 1: of\n\nChannel 0: those different\n\nChannel 1: red\n\nChannel 0: investments\n\nChannel 1: a lot of red numbers\n\nChannel 0: there\n\nChannel 1: there,\n\nChannel 0: is.\n\nChannel 1: mate. What's going on with them?\n\nChannel 0: There is. Absolutely. So those red numbers are the numbers that we're going to sell. So you'll see on the side here, you've got your SeaBus Super. We're gonna retain that exactly as it is for the moment, but the goal is to continuously achieve be moving money out of c bus and into hub 24.\n\nSo I'll review, obviously, your balance each year, and we'll make sure we do regular rollovers. For this particular moment, it's only, like, a thousand $1,253 we'd be rolling out of. It doesn't sort of work make it worthwhile right\n\nChannel 1: Yeah.\n\nChannel 0: now, so I'm gonna hold off on doing a rollover now. We'll do that when we do a catch up, and I'll reassess your balance then. But in HUB twenty four, in order to move into more that high growth environment, we needed to reassess the investments. And I had found that some of them in your old portfolio were underperforming and needed to be altered and changed. So the red that you've been looking at is what we're gonna be selling down.\n\nSo we are gonna be selling off the battery and lithium tax, the Ben along Australian Equities, which has been underperforming and not doing very well for your fund. The bank hybrids, that sort of investment is actually gonna be phased out by the government, so we need to remove that from your portfolio now. The China\n\nChannel 1: Good.\n\nChannel 0: new economy hasn't been performing as well as it should have been. And your physical gold is doing very well and is great, but we need to just reduce it back a little bit. So we only wanna hold 7% of physical gold. You've currently got 9% there at the moment, so we just wanna cement some of the gains and redistribute those across your portfolio for you. You only wanna hold about 77% of physical gold in your portfolio.\n\nThe beta share cybersecurity, we only wanna hold about 6% in your portfolio. You kinda got 8.24%, so we wanna sell some of that and just rebalance you back a little bit there as well. The s and p five hundred is the top 500 companies in The US. We wanna hold about 35% of your portfolio. You're a bit underweighted at the moment, so we wanna bring that exposure up a little bit and buy just over $4,000 of the s and p five hundred.\n\nAnd then with the VanEck Australian property, property is having a bit of a pullback. We wanna remove that solely from your portfolio. Whilst it has provided good returns, our property is having a bit of a pullback with the changes of legislation at the moment, so it is\n\nChannel 1: Sure.\n\nChannel 0: worth removing that wholly from your from your portfolio. And because we're removing the Ben along Australian equities, we're also removing the Raffy a 200 there. That investment is more it's more of an expensive kind of investment to have, and we found a way to provide greater diversification to hold Australian equities, but also make your portfolio cheaper for you as well. So we're gonna sell that investment down. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Once we complete all of those sales, we'll still hold about 7% of physical gold. We'll still hold about 6% in cybersecurity. We'll still hold about 35% of the s and p 500, and we're gonna buy into some Europe and Japanese exposure. So you hold 9% of European and 5% of Japanese. The Europe exposure is giving you access to all 16 European countries.\n\nThey're giving you great diversification across the globe, and Japan has seen some really good growth there as well. So we wanna hold 5% of that. On the next page, if you scroll down, you'll see the Vanguard or World ex US. So this is essentially giving you exposure to the entire globe minus The US market because we have the S and P 500 above there. And this\n\nChannel 1: Yep.\n\nChannel 0: is giving you greater diversification in a cost effective investment, and we wanna hold 8% of that for you. We still need to some Australian exposure, and we are removing the Rafi plus the Benelon because the Benelon has been underperforming, and we're gonna hold the beta shares a 200. This is giving you exposure to the top 200 companies on ASX, and we wanna hold 25% of that investment for you. One of the cool things, the a 200 actually is a very good dividend pay. It's one of the highest dividend paying Australian stocks.\n\nSo it'll be good. It'll help you with a bit of income producing within your portfolio, but it's also a much cheaper option to hold Australian equities for you. Okay?\n\nChannel 1: Yeah. Good.\n\nChannel 0: And then we've got core composite bonds. So it's important that we have defensive investments with the high growth environment you wanna be in. We only wanna hold about sort of five to 10% of defensive investments. The idea is we have most of our money sitting in those growth investments trying to obtain greater growth there. So we're just holding about 5% of core composite bonds to give you some defensive exposure as well.\n\nOkay? So that is essentially the changes I wanna make to your portfolio there. I'll show you the reasoning behind that in a second. But underneath that table, you also see within hub twenty four, you've got about 11\n\nChannel 1: Yep.\n\nChannel 0: thousand sitting in cash there at the moment. You have a bit more cash than I would realistically like. We only wanna hold minimum cash. We wanna have as much money invested in your portfolio as possible, so we're gonna reinvest about $8,581 of that for you. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Excellent.\n\nChannel 1: So what if I was to say to you, you know, what have you done in the last twelve months? Yeah. How much money have you made for me?\n\nChannel 0: Yeah.\n\nChannel 1: That's\n\nChannel 0: I\n\nChannel 1: a\n\nChannel 0: can\n\nChannel 1: question,\n\nChannel 0: give you\n\nChannel 1: isn't it? Because I know you guys might charge fees and everything. And I think I when I started, it was $4.5 or something to start up with you. So\n\nChannel 0: that.\n\nChannel 1: no\n\nChannel 0: Yeah.\n\nChannel 1: one's actually told me or informed me of, yeah, I don't know how my soup is going\n\nChannel 0: That's\n\nChannel 1: in\n\nChannel 0: okay.\n\nChannel 1: fact.\n\nChannel 0: I\n\nChannel 1: Yes.\n\nChannel 0: can give\n\nChannel 1: So\n\nChannel 0: you\n\nChannel 1: that's\n\nChannel 0: I can\n\nChannel 1: what\n\nChannel 0: go\n\nChannel 1: I\n\nChannel 0: in\n\nChannel 1: wouldn't\n\nChannel 0: there\n\nChannel 1: mind\n\nChannel 0: now.\n\nChannel 1: knowing.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: Let's have a look now. So I'm just pulling up the report for you to have a look now. Last year. Sorry. Won't be a second.\n\nJust loading the report for you. Beautiful. So when we look at everything as a whole, over the last twelve months, your portfolio and it's important to note that with the amount of volatility we have seen, with everything you've seen going on with the US war this year, there has been\n\nChannel 1: Yes.\n\nChannel 0: a lot of ups and downs there. But as a\n\nChannel 1: Sure.\n\nChannel 0: whole, your portfolio has made about 4.45% net of fees after all fees have been considered. So you have definitely had a good positive return for the year. It is lower than where we'd expect. A lot of that is because Bennelong has been underperforming there and, obviously, with what's been happening globally with the Iran and the US war there. But you have definitely made a 4.45 return after fees.\n\nSo it does mean your portfolio is still working the same direction. Because contributions do go into C bus, this is just what the portfolio has been able to do. So even with everything going on, it's come out with a positive return, which is good.\n\nChannel 1: I mean, yeah, what I wonder or ask\n\nChannel 0: Yeah.\n\nChannel 1: is, you know, when Cbus or some of them say, oh, we can make it 9%.\n\nChannel 0: Mhmm.\n\nChannel 1: Yeah. Should I just have my money in another place, like, four I know we've had a lot of drama, but, you know, what's bank interest at the moment? Five?\n\nChannel 0: Bank interest, yeah, bank bank interest is middle of the range at the moment, around about a sort of four to 5% return depending on who you're with and what you're\n\nChannel 1: Yes.\n\nChannel 0: doing. But you're\n\nChannel 1: Yeah.\n\nChannel 0: also paying about 9% in you know, between six to 9% in mortgage rates as well. So the mortgages are much higher. And when you consider the cash rate there, it is definitely a lot lower than what you are paying in interest. I'm\n\nChannel 1: Right.\n\nChannel 0: just pulling out. I can have a look at what C Bus is preferring, but C Bus is also giving us when we look at what their investment returns are performing, they're giving us a gross return based on the overall. So it's not necessarily saying that you would have got this return. It also depends upon contributions going in, what's happening, any distributions, and things like that. But if\n\nChannel 1: Because.\n\nChannel 0: I'll have a look at the. Sorry. This goes to their site.\n\nChannel 1: I mean, I suppose as short of it is, I\n\nChannel 0: Options.\n\nChannel 1: just wanna be the best possible outcome I can have\n\nChannel 0: Yeah.\n\nChannel 1: because, you know,\n\nChannel 0: Absolutely.\n\nChannel 1: I'm getting older by the day like everyone\n\nChannel 0: Yeah.\n\nChannel 1: else. And,\n\nChannel 0: Absolutely. Yeah. Absolutely. So their growth my super account from this is up until the 06/30/2026, so it is definitely almost\n\nChannel 1: yeah.\n\nChannel 0: a month old. But they're claiming that their my my super growth growth, so before tax, has returned a 9.25% return on average. So it is definitely higher than what you've got in your portfolio. But, I mean, hub twenty four, this is giving you the return based on today's date, so very much within the last twelve months. And it's a net return after fees as well.\n\nSo I would have to kind of go back and reassess the fees within Cbus and really go into nitty gritty to be able to find out what the return would be after fees. But that that's just what they're claiming that their portfolio can achieve in the last twelve months or in the last one year up to the June 30.\n\nChannel 1: Well, can you can't you look at what I've had in c bus and go, well, you had this at the start and now you've got this. So here's your percentage.\n\nChannel 0: Yeah. We can we can do that. We don't because there's so many other factors to take into account. But, yeah, I can go back and have a look at that and compare it for you if you like. I'll have to send you an email after the call to do so.\n\nIs just growing. We only want a real estate holder as a small amount. But at the same time, if you're more comfortable being in and you prefer just to have everything in one place, you're fine to roll back. I mean, as I've kinda said before, you're not in any way, shape, or form held to stay in Hub twenty four or with us as your advisers. If you kinda wanna roll things back and just wanna be in one place and prefer to go back to an industry fund, you absolutely can do.\n\nYou just initiate the rollover. Let us know that that's what you wanna do and that you plan to roll back. We'll absolutely help\n\nChannel 1: Yeah.\n\nChannel 0: you.\n\nChannel 1: I under\n\nChannel 0: It\n\nChannel 1: I understand\n\nChannel 0: Yeah.\n\nChannel 1: that because you\n\nChannel 0: Yeah.\n\nChannel 1: thought you're upfront right from the start that\n\nChannel 0: Yeah.\n\nChannel 1: I could do that anytime. But\n\nChannel 0: Mhmm.\n\nChannel 1: I suppose, you know, I've I'm trust and trust in you guys who will go better than what C plus are claiming. So, you know, if you yeah. I'm a I used to be a bookmaker. I've worked with a bookmaker. So\n\nChannel 0: You're\n\nChannel 1: it\n\nChannel 0: right.\n\nChannel 1: basically got this side of the ledger and that side. It's basic maths. Right? I mean, I'm not I don't understand every share that you're investing in and\n\nChannel 0: Mhmm.\n\nChannel 1: all that list on the page. I don't I don't even know what half of those are. But\n\nChannel 0: Yeah.\n\nChannel 1: yeah. You know what I mean? All I want at the end of the day is, you know, will I be better off staying with you guys for another twelve months, or am I gonna be better off going back to see Bus two? I mean, I trust them because I'm a tradie. Do you know what I mean?\n\nSo that's\n\nChannel 0: Yeah.\n\nChannel 1: how it is. That's\n\nChannel 0: That's\n\nChannel 1: that's\n\nChannel 0: okay.\n\nChannel 1: the short of it.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: That's fine. It's honestly okay. It's not a problem at all. I'm also just having a look at the from inception report. So you came on board here in 2023.\n\nYou've almost been on essentially for three years there, and\n\nChannel 1: Yeah.\n\nChannel 0: your portfolio over the last three years has returned a 29.13% return. It's made about $69,000 in income plus growth as a dollar figure. If\n\nChannel 1: Oh,\n\nChannel 0: I\n\nChannel 1: that's\n\nChannel 0: divide\n\nChannel 1: great.\n\nChannel 0: this twenty nine point one three by the three years, you've made an average of 9.71%. So whilst this one year, it is showing less than what the c bus fund has, you know, returned as a growth, as a growth performance on their website, when you kinda take that 29, 29.13% and divide that by the three years that you've now been on board, you've averaged about a 9.71, which is better than what they have done. So when you look at\n\nChannel 1: Sure.\n\nChannel 0: it overall, the compounding effect, you've actually done better than what they're claiming to do. So I do in order to kind of break down what you do have and don't have, the statements or information they give us, they don't give us your balance from last year. So I'd have to go back to Ziva's, get your balance, work out what your fees are, and do the math around, obviously, what your growth rate was.\n\nChannel 1: But I'd be able to would that be easier for me to do? Seeing, you know,\n\nChannel 0: Yeah.\n\nChannel 1: surely, as a\n\nChannel 0: If\n\nChannel 1: member,\n\nChannel 0: you've got a\n\nChannel 1: I\n\nChannel 0: state\n\nChannel 1: can ring up and say,\n\nChannel 0: yeah.\n\nChannel 1: look. I need these details from my accountant or something like that.\n\nChannel 0: Yeah. Absolutely. You can. That's\n\nChannel 1: Yeah.\n\nChannel 0: not a problem at all. Yeah. They are a little bit picky giving up the information. We only have an authority to inquire, but I can go back and do the math for you. It's not a problem.\n\nThe difference being that\n\nChannel 1: What\n\nChannel 0: we also\n\nChannel 1: you've told me there is is pretty good.\n\nChannel 0: yeah.\n\nChannel 1: I'm happy\n\nChannel 0: That's okay.\n\nChannel 1: with that. I understand\n\nChannel 0: That's okay.\n\nChannel 1: it goes up and down and,\n\nChannel 0: Yeah.\n\nChannel 1: you know, you can't. But the thing is you don't wanna say, well, I'm gonna be retiring in two years. Well, I mean, you'd like to say that, but, yeah, you don't wanna go the year before and then\n\nChannel 0: No.\n\nChannel 1: lose all your money because of\n\nChannel 0: Absolutely.\n\nChannel 1: the global financial crisis or some some drama that\n\nChannel 0: Absolutely.\n\nChannel 1: Trump's done. You know what\n\nChannel 0: Absolutely.\n\nChannel 1: I mean?\n\nChannel 0: Yeah. And that's probably one of the biggest things that I would be wanting to bring up is that if by staying on board with us, it does mean that I do wanna review this with you. You know, when we spoke last time, you wanted to be in that high growth environment, take on a bit more risk because you're not planning access super for about the next seven years. However, I do not want you in that high growth environment for the next seven years when you are easily six years away. So next year, I'll probably wanna bring you down.\n\nAnd then from there on every year, start to reduce your risk level a little bit, sorry, by\n\nChannel 1: Yeah.\n\nChannel 0: 10% as well and start to sort of bring it down gradually because I definitely do not want you to be in high growth the year before you retire and then have a big 20% drop and then be cementing\n\nChannel 1: No.\n\nChannel 0: that drop. That is not preferable, and I would hate myself if that happened to you. You know, we\n\nChannel 1: Well,\n\nChannel 0: all wanna\n\nChannel 1: everyone's\n\nChannel 0: retire\n\nChannel 1: gonna\n\nChannel 0: as\n\nChannel 1: be\n\nChannel 0: quickly\n\nChannel 1: grumpy.\n\nChannel 0: as possible.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Exactly. Exactly. So by having us here and having me as your adviser, I can be a little bit more you know, we're happy to take on that bit of risk now for you, but I do not want you to be in that for longer. I definitely do wanna make sure we do a catch up in about six months with you, probably January, if not December before we go away for Christmas just to make sure things are working.\n\nAnd if the market isn't performing well, if things aren't doing well, then I wanna make those changes again for you and keep it working harder because, realistically, your balance is a bit lower than where I would like it to be. And, realistically, if you're gonna retire the next seven years, we wanna make sure you've got as much money as absolutely possible because you'll be 65. So, realistically, you wanna make sure you've got enough money to\n\nChannel 1: Yes.\n\nChannel 0: start drawing out the income you need as well as getting you longevity. And you're not eligible for age pension to age 67. So there is two years to keep as a bit of a buffer prior to accessing the age pension. And then what I like to do with a lot of my retired clients is when we get to age 67, look at what you're eligible receive from Centrelink and draw back less out of super to supplement that so you have a bit of longevity and get some from the age pension as well as super as well. The other\n\nChannel 1: Right.\n\nChannel 0: side of it is once you actually turn 60, depending on what you need, whether, you know, you feel income protection and TBD or whether you feel insurances are appropriate, a lot of my clients do decide at 60 they don't need those insurances anymore because if they are unable to work, they can access their super. So we can also look to consolidate from then on too. So only keep these insurances in place and save us until you no longer need them. Once those insurances are obsolete and you don't feel that they are suitable to keep anymore, that we can get rid of them, then we can consolidate everything into hub twenty four as well, have it all in one place, have one super fund working harder for you as well.\n\nChannel 1: Yep.\n\nChannel 0: So that's also another option I'd like to look at for you\n\nChannel 1: Perfect.\n\nChannel 0: if that\n\nChannel 1: Alright. Okay. Well,\n\nChannel 0: helps.\n\nChannel 1: I I don't wanna cut it short,\n\nChannel 0: Yeah.\n\nChannel 1: but I do\n\nChannel 0: That's\n\nChannel 1: have\n\nChannel 0: okay.\n\nChannel 1: to go.\n\nChannel 0: That's\n\nChannel 1: But\n\nChannel 0: okay.\n\nChannel 1: everything you\n\nChannel 0: Can\n\nChannel 1: told me has been fine. I'm happy\n\nChannel 0: yeah.\n\nChannel 1: with that.\n\nChannel 0: Can I show you one more thing before we go? Just\n\nChannel 1: Yes.\n\nChannel 0: a really important aspect of the fee structure. Just\n\nChannel 1: Sure.\n\nChannel 0: on page 22, if you keep going down, we did talk before about the changes to make to your portfolio, and I did explain that your super fund does pay CDT or tax consequences as well. So we do know by making the changes above, all the red and green that you saw, the CGT expectation is only 1,385. So to change and make changes to the portfolio, we expect your super fund to pay $1,385 in CGT. It doesn't change the administration fees. They stay exactly the same, but the newer portfolio saves you $690 a year on investment fees.\n\nSo it does make your investment fees a bit cheaper as well there, Jason. Okay.\n\nChannel 1: So you think that's the best thing to do?\n\nChannel 0: Absolutely. Saving fees,\n\nChannel 1: Yeah.\n\nChannel 0: keeping more money in your super compounding for you is a really good idea. It\n\nChannel 1: Yes.\n\nChannel 0: does work out better for yourself. The CGT does mean that setting $100 is deducted for the tax side of things. But overall, when you consider that, it's a one off CGT consequence of setting $100. Whereas if you're then saving $690 on investment fees and you compound that or, you know, that over the next seven years is about $44,800 in fees that you've saved if it stays the same way. So\n\nChannel 1: Yes.\n\nChannel 0: that\n\nChannel 1: Okay.\n\nChannel 0: can make a much greater a difference for you. And the\n\nChannel 1: Sure.\n\nChannel 0: newer\n\nChannel 1: Yep.\n\nChannel 0: portfolios had a higher past performance as well. So when we look at that moving forward, it can obviously provide greater future performance, which is what we also wanna see. Okay.\n\nChannel 1: Yep. Good.\n\nChannel 0: Yeah. Beautiful. It does\n\nChannel 1: So, yeah,\n\nChannel 0: sort of\n\nChannel 1: I made\n\nChannel 0: show on\n\nChannel 1: a sign something.\n\nChannel 0: yeah. On\n\nChannel 1: Sign\n\nChannel 0: the very\n\nChannel 1: this.\n\nChannel 0: last page, if you're comfortable to if you wanna take it back and read it over before you sign it, you absolutely can. I don't ever want you to sign anything you're not comfortable signing. So if you wanna take some time, read it over, and let me know if there's any questions you're allowed to. Alternatively,\n\nChannel 1: Okay.\n\nChannel 0: if you decide you wanna sign it, I can always email it back to you so you've got it as a copy as well. It's up to you\n\nChannel 1: I\n\nChannel 0: how\n\nChannel 1: might\n\nChannel 0: you would like to proceed.\n\nChannel 1: I might just yeah. I told you that I've got a couple of mates that are bankers. I wouldn't\n\nChannel 0: Yeah.\n\nChannel 1: mind them just reading through this information before I sign it.\n\nChannel 0: Yeah.\n\nChannel 1: And, I\n\nChannel 0: That's\n\nChannel 1: mean,\n\nChannel 0: fine.\n\nChannel 1: if they come up with any yeah. What are you yeah. Ask about this or that, then I can get back to you and ask you those questions. Right?\n\nChannel 0: That's absolutely fine. Yeah. Definitely.\n\nChannel 1: Yeah.\n\nChannel 0: They're bankers, are they? They work in a\n\nChannel 1: Well, one of them is a a close\n\nChannel 0: bank?\n\nChannel 1: friend. We call\n\nChannel 0: Yeah.\n\nChannel 1: him the bank whore because he's\n\nChannel 0: Yeah.\n\nChannel 1: worked at\n\nChannel 0: Right.\n\nChannel 1: every bank, but now he's working at the government. So\n\nChannel 0: Yeah.\n\nChannel 1: he's\n\nChannel 0: Right.\n\nChannel 1: not working at a bank anymore, but he's worked,\n\nChannel 0: Yeah.\n\nChannel 1: like,\n\nChannel 0: Right.\n\nChannel 1: six different banks, and he's, yeah, he's the same age as me. And now\n\nChannel 0: Yeah.\n\nChannel 1: he's got a cushy government job where he just rings up the farmers and tells them they can't have that loan.\n\nChannel 0: Oh, good. He's in lending. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Basically, government lending\n\nChannel 0: Yeah.\n\nChannel 1: for and then, yeah, twelve months, he did that, and then he was doing, like, fishery licensing and yeah. So he's got a pretty good gig with the government now\n\nChannel 0: Yeah.\n\nChannel 1: because\n\nChannel 0: No.\n\nChannel 1: you\n\nChannel 0: That's\n\nChannel 1: can\n\nChannel 0: absolutely\n\nChannel 1: never get sacked\n\nChannel 0: fine.\n\nChannel 1: from the government. Right? It's pretty\n\nChannel 0: Yeah.\n\nChannel 1: hard to\n\nChannel 0: No. Absolutely fine. That's not a problem at all. If there are any questions, you're welcome to let me know.\n\nChannel 1: okay.\n\nChannel 0: Yeah. Once you kind of have had a read through it, I would sort of say if you wanted to make these changes, try to make them as soon as possible. So the longer\n\nChannel 1: Sure.\n\nChannel 0: we wait, obviously, the the longer it can take to have those changes, and it\n\nChannel 1: Yeah.\n\nChannel 0: can affect your\n\nChannel 1: Yeah.\n\nChannel 0: performance\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: side of things. So but let me know if there's any questions you have. I'm always happy to answer them. Did you want me to go back and just have a look at the c bus and get that additional growth rate for you, or you're\n\nChannel 1: No.\n\nChannel 0: happy just to\n\nChannel 1: I\n\nChannel 0: leave\n\nChannel 1: don't\n\nChannel 0: it for the\n\nChannel 1: think\n\nChannel 0: moment?\n\nChannel 1: so, mate.\n\nChannel 0: No.\n\nChannel 1: I\n\nChannel 0: That's\n\nChannel 1: I\n\nChannel 0: okay.\n\nChannel 1: understand. Yeah. I wouldn't\n\nChannel 0: Yeah.\n\nChannel 1: bother. I mean, yeah, they're they're only gonna try and sell themselves anyway. Right? So\n\nChannel 0: Yeah. That's exactly\n\nChannel 1: yeah.\n\nChannel 0: what they do. Whereas I'm not licensed to any particular fund. Everything I do has to be in your best interest. That's why I outlined the best interest, Judy, the advantages, the disadvantages, the risks involved. And as I said, I'm very open and upfront with everything.\n\nI'll give you\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: No.\n\nChannel 0: returns\n\nChannel 1: That's\n\nChannel 0: on\n\nChannel 1: perfect.\n\nChannel 0: the station, and you get to decide what you wanna do moving forward. I don't want you to feel pressured into anything you're not comfortable doing. Okay?\n\nChannel 1: Righto.\n\nChannel 0: Easy.\n\nChannel 1: Okay. Thanks, mate.\n\nChannel 0: Thanks. My\n\nChannel 1: Take\n\nChannel 0: pleasure.\n\nChannel 1: it easy,\n\nChannel 0: You have a\n\nChannel 1: Donna.\n\nChannel 0: great\n\nChannel 1: I'll\n\nChannel 0: night.\n\nChannel 1: talk to you soon.\n\nChannel 0: Will do.\n\nChannel 1: If\n\nChannel 0: You\n\nChannel 1: if\n\nChannel 0: have\n\nChannel 1: you\n\nChannel 0: a good\n\nChannel 1: haven't heard from me, just shoot\n\nChannel 0: yep.\n\nChannel 1: me another email and say hurry\n\nChannel 0: Yep.\n\nChannel 1: up or something\n\nChannel 0: I\n\nChannel 1: like that.\n\nChannel 0: will.\n\nChannel 1: Right? Because I've got\n\nChannel 0: I'll\n\nChannel 1: a bit\n\nChannel 0: give you\n\nChannel 1: going\n\nChannel 0: a buzz.\n\nChannel 1: on. Alright.\n\nChannel 0: Absolutely.\n\nChannel 1: Thank you very much for your time.\n\nChannel 0: My pleasure, Jason. Thank you for taking\n\nChannel 1: See\n\nChannel 0: my\n\nChannel 1: you.\n\nChannel 0: call. You\n\nChannel 1: Bye.\n\nChannel 0: have a great evening. See you later.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.08,"end":0.48,"sentiment":"neutral","sentiment_score":0.04066742956638336},{"text":"Called your name and reason for calling.","start":0.48,"end":2.58,"sentiment":"neutral","sentiment_score":0.03853406171713557},{"text":"I'll see if this person is available.","start":2.8,"end":4.74,"sentiment":"neutral","sentiment_score":0.034978636141334264}],"sentiment":"neutral","sentiment_score":0.037017087638378146,"channel":1,"num_words":15,"start":0.08,"end":4.74},{"sentences":[{"text":"Dana Oakley Financial.","start":8.48,"end":9.86,"sentiment":"neutral","sentiment_score":0.04430796205997467}],"sentiment":"neutral","sentiment_score":0.04430796205997467,"channel":0,"num_words":3,"start":8.48,"end":9.86},{"sentences":[{"text":"Thanks.","start":14.16,"end":14.66,"sentiment":"positive","sentiment_score":0.3528609871864319},{"text":"Please stay on the line.","start":15.1449995,"end":16.525,"sentiment":"neutral","sentiment_score":0.18000616133213043},{"text":"Justin speaking.","start":31.41,"end":32.31,"sentiment":"neutral","sentiment_score":0.059688741341233253}],"sentiment":"neutral","sentiment_score":0.17153365956619382,"channel":1,"num_words":8,"start":14.16,"end":32.31},{"sentences":[{"text":"Hi, Jason.","start":32.86,"end":33.58,"sentiment":"neutral","sentiment_score":0.08910727500915527}],"sentiment":"neutral","sentiment_score":0.08910727500915527,"channel":0,"num_words":2,"start":32.86,"end":33.58},{"sentences":[{"text":"Hi.","start":33.41,"end":33.91,"sentiment":"neutral","sentiment_score":0.13183778524398804}],"sentiment":"neutral","sentiment_score":0.13183778524398804,"channel":1,"num_words":1,"start":33.41,"end":33.91},{"sentences":[{"text":"It's Dana Dana from OQ Financial.","start":33.58,"end":35.58,"sentiment":"neutral","sentiment_score":0.14009040842453638},{"text":"How are you this afternoon?","start":35.58,"end":36.8,"sentiment":"neutral","sentiment_score":0.17116807997226716}],"sentiment":"neutral","sentiment_score":0.154216622764414,"channel":0,"num_words":11,"start":33.58,"end":36.8},{"sentences":[{"text":"Hey.","start":37.41,"end":37.73,"sentiment":"neutral","sentiment_score":0.2057829052209854},{"text":"Good, man.","start":37.73,"end":38.21,"sentiment":"positive","sentiment_score":0.34497252106666565},{"text":"How are you?","start":38.21,"end":39.2,"sentiment":"neutral","sentiment_score":0.28490110238393146}],"sentiment":"neutral","sentiment_score":0.2917385424176852,"channel":1,"num_words":6,"start":37.41,"end":39.2},{"sentences":[{"text":"That I'm very well.","start":38.86,"end":40.06,"sentiment":"positive","sentiment_score":0.5651548653841019},{"text":"Thank you.","start":40.06,"end":40.54,"sentiment":"positive","sentiment_score":0.6742063462734222},{"text":"I just had you booked in today just to go through your updated statement of advice.","start":40.54,"end":43.925,"sentiment":"positive","sentiment_score":0.347369397059083},{"text":"Is now still a good time there for you?","start":43.925,"end":46.024998,"sentiment":"neutral","sentiment_score":0.28502005007531905}],"sentiment":"positive","sentiment_score":0.37845557928085327,"channel":0,"num_words":31,"start":38.86,"end":46.024998},{"sentences":[{"text":"Yeah.","start":46.235,"end":46.475,"sentiment":"neutral","sentiment_score":0.16232603788375854},{"text":"That's fine, man.","start":46.475,"end":47.535,"sentiment":"neutral","sentiment_score":0.2582703431447347}],"sentiment":"neutral","sentiment_score":0.23428426682949066,"channel":1,"num_words":4,"start":46.235,"end":47.535},{"sentences":[{"text":"Oh, fantastic.","start":47.844997,"end":48.585,"sentiment":"positive","sentiment_score":0.40793998539447784}],"sentiment":"positive","sentiment_score":0.40793998539447784,"channel":0,"num_words":2,"start":47.844997,"end":48.585},{"sentences":[{"text":"How long is this thing gonna take?","start":48.155,"end":50.015,"sentiment":"neutral","sentiment_score":0.09796853576387678}],"sentiment":"neutral","sentiment_score":0.09796853576387678,"channel":1,"num_words":7,"start":48.155,"end":50.015},{"sentences":[{"text":"Oh, not very long.","start":50.405,"end":51.524998,"sentiment":"neutral","sentiment_score":0.052576981484889984},{"text":"It's a very simple one.","start":51.524998,"end":52.805,"sentiment":"neutral","sentiment_score":0.17641735076904297},{"text":"It's more just about retaining, obviously, your two super funds and doing an investment switch in there because I have sort of found there's some changes I'd love to make to your super to make sure they are working a bit better for you.","start":52.805,"end":63.47,"sentiment":"neutral","sentiment_score":0.153934315524318},{"text":"But I","start":63.690002,"end":64.01,"sentiment":"neutral","sentiment_score":0.07692579925060272}],"sentiment":"neutral","sentiment_score":0.14580647566101768,"channel":0,"num_words":55,"start":50.405,"end":64.01},{"sentences":[{"text":"Right.","start":63.989998,"end":64.49,"sentiment":"neutral","sentiment_score":0.1003631055355072}],"sentiment":"neutral","sentiment_score":0.1003631055355072,"channel":1,"num_words":1,"start":63.989998,"end":64.49},{"sentences":[{"text":"can have it done easily in about ten, fifteen minutes for you if that's if that's okay.","start":64.01,"end":68.43,"sentiment":"neutral","sentiment_score":0.13328647832660115}],"sentiment":"neutral","sentiment_score":0.13328647832660115,"channel":0,"num_words":17,"start":64.01,"end":68.43},{"sentences":[{"text":"Yeah.","start":69.03,"end":69.27,"sentiment":"neutral","sentiment_score":0.10946214944124222},{"text":"That's fine.","start":69.27,"end":70.07,"sentiment":"neutral","sentiment_score":0.15595842152833939},{"text":"Yep.","start":70.07,"end":70.57,"sentiment":"neutral","sentiment_score":0.17387166619300842}],"sentiment":"neutral","sentiment_score":0.14881266467273235,"channel":1,"num_words":4,"start":69.03,"end":70.57},{"sentences":[{"text":"That's okay.","start":70.33,"end":71.05,"sentiment":"neutral","sentiment_score":0.24619047343730927},{"text":"Beautiful.","start":71.05,"end":71.55,"sentiment":"positive","sentiment_score":0.47087013721466064},{"text":"And how's your day been so far?","start":71.61,"end":73.095,"sentiment":"neutral","sentiment_score":0.21949712932109833}],"sentiment":"neutral","sentiment_score":0.24997309893369674,"channel":0,"num_words":10,"start":70.33,"end":73.095},{"sentences":[{"text":"Yeah.","start":73.935,"end":74.174995,"sentiment":"neutral","sentiment_score":0.16476930677890778},{"text":"Pretty good.","start":74.174995,"end":74.994995,"sentiment":"neutral","sentiment_score":0.25516121089458466}],"sentiment":"neutral","sentiment_score":0.22503057618935904,"channel":1,"num_words":3,"start":73.935,"end":74.994995},{"sentences":[{"text":"Yeah.","start":75.335,"end":75.575005,"sentiment":"neutral","sentiment_score":0.11468181014060974},{"text":"Yeah.","start":75.575005,"end":75.735,"sentiment":"neutral","sentiment_score":0.1261758655309677},{"text":"It's good.","start":75.735,"end":76.055,"sentiment":"neutral","sentiment_score":0.14154542237520218},{"text":"You","start":76.055,"end":76.295,"sentiment":"neutral","sentiment_score":-0.06642530858516693}],"sentiment":"neutral","sentiment_score":0.09150464236736297,"channel":0,"num_words":5,"start":75.335,"end":76.295},{"sentences":[{"text":"Bit","start":76.095,"end":76.335,"sentiment":"neutral","sentiment_score":-0.13777533173561096}],"sentiment":"neutral","sentiment_score":-0.13777533173561096,"channel":1,"num_words":1,"start":76.095,"end":76.335},{"sentences":[{"text":"nearly","start":76.295,"end":76.615,"sentiment":"neutral","sentiment_score":-0.14118383824825287}],"sentiment":"neutral","sentiment_score":-0.14118383824825287,"channel":0,"num_words":1,"start":76.295,"end":76.615},{"sentences":[{"text":"slower","start":76.335,"end":76.835,"sentiment":"neutral","sentiment_score":-0.12002250552177428}],"sentiment":"neutral","sentiment_score":-0.12002250552177428,"channel":1,"num_words":1,"start":76.335,"end":76.835},{"sentences":[{"text":"finished.","start":76.615,"end":77.115,"sentiment":"neutral","sentiment_score":-0.18218113481998444}],"sentiment":"neutral","sentiment_score":-0.18218113481998444,"channel":0,"num_words":1,"start":76.615,"end":77.115},{"sentences":[{"text":"with work at the moment.","start":76.895,"end":78.174995,"sentiment":"neutral","sentiment_score":-0.1347832828760147}],"sentiment":"neutral","sentiment_score":-0.1347832828760147,"channel":1,"num_words":5,"start":76.895,"end":78.174995},{"sentences":[{"text":"Yeah.","start":77.815,"end":78.315,"sentiment":"neutral","sentiment_score":-0.09694454073905943}],"sentiment":"neutral","sentiment_score":-0.09694454073905943,"channel":0,"num_words":1,"start":77.815,"end":78.315},{"sentences":[{"text":"So","start":78.174995,"end":78.674995,"sentiment":"neutral","sentiment_score":-0.1020757257938385}],"sentiment":"neutral","sentiment_score":-0.1020757257938385,"channel":1,"num_words":1,"start":78.174995,"end":78.674995},{"sentences":[{"text":"Yeah.","start":79.015,"end":79.515,"sentiment":"neutral","sentiment_score":-0.11846163868904114}],"sentiment":"neutral","sentiment_score":-0.11846163868904114,"channel":0,"num_words":1,"start":79.015,"end":79.515},{"sentences":[{"text":"so I was a bit stressful and, you know, less money.","start":79.854996,"end":82.674995,"sentiment":"neutral","sentiment_score":-0.22331852127205243}],"sentiment":"neutral","sentiment_score":-0.22331852127205243,"channel":1,"num_words":11,"start":79.854996,"end":82.674995},{"sentences":[{"text":"Absolutely.","start":83.095,"end":83.595,"sentiment":"neutral","sentiment_score":-0.03792424499988556}],"sentiment":"neutral","sentiment_score":-0.03792424499988556,"channel":0,"num_words":1,"start":83.095,"end":83.595},{"sentences":[{"text":"Alright.","start":84.095,"end":84.595,"sentiment":"neutral","sentiment_score":-0.0029720913153141737},{"text":"Yeah.","start":84.814995,"end":85.314995,"sentiment":"neutral","sentiment_score":0.0009669959545135498}],"sentiment":"neutral","sentiment_score":-0.001002547680400312,"channel":1,"num_words":2,"start":84.095,"end":85.314995},{"sentences":[{"text":"Absolutely.","start":85.095,"end":85.595,"sentiment":"neutral","sentiment_score":-0.010741915553808212},{"text":"No.","start":85.975,"end":86.295,"sentiment":"neutral","sentiment_score":-0.04720960184931755},{"text":"All good.","start":86.295,"end":87.035,"sentiment":"neutral","sentiment_score":0.02442968264222145},{"text":"Now, Jason, before I jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":87.095,"end":91.8,"sentiment":"neutral","sentiment_score":0.054757004198820694},{"text":"Are you happy for me to proceed with that?","start":91.8,"end":94.060005,"sentiment":"neutral","sentiment_score":0.10655385918087429}],"sentiment":"neutral","sentiment_score":0.061369546585612826,"channel":0,"num_words":36,"start":85.095,"end":94.060005},{"sentences":[{"text":"Sure.","start":94.22,"end":94.72,"sentiment":"neutral","sentiment_score":0.18332311511039737}],"sentiment":"neutral","sentiment_score":0.18332311511039737,"channel":1,"num_words":1,"start":94.22,"end":94.72},{"sentences":[{"text":"Fantastic.","start":95.32,"end":95.82,"sentiment":"neutral","sentiment_score":0.30570143461227417},{"text":"And just to do a really quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on","start":96.44,"end":102.135,"sentiment":"neutral","sentiment_score":0.1667483128607273}],"sentiment":"neutral","sentiment_score":0.17123067162690625,"channel":0,"num_words":31,"start":95.32,"end":102.135},{"sentences":[{"text":"Jason","start":103.685,"end":104.185,"sentiment":"neutral","sentiment_score":0.12106278538703918}],"sentiment":"neutral","sentiment_score":0.12106278538703918,"channel":1,"num_words":1,"start":103.685,"end":104.185},{"sentences":[{"text":"file.","start":104.135,"end":104.635,"sentiment":"neutral","sentiment_score":0.1069498211145401}],"sentiment":"neutral","sentiment_score":0.1069498211145401,"channel":0,"num_words":1,"start":104.135,"end":104.635},{"sentences":[{"text":"William Hale.","start":104.244995,"end":105.305,"sentiment":"neutral","sentiment_score":0.015304175205528736},{"text":"'19","start":105.604996,"end":106.104996,"sentiment":"neutral","sentiment_score":0.0103261424228549}],"sentiment":"neutral","sentiment_score":0.013644830944637457,"channel":1,"num_words":3,"start":104.244995,"end":106.104996},{"sentences":[{"text":"Yep.","start":105.655,"end":106.155,"sentiment":"neutral","sentiment_score":0.01428791880607605}],"sentiment":"neutral","sentiment_score":0.01428791880607605,"channel":0,"num_words":1,"start":105.655,"end":106.155},{"sentences":[{"text":"September.","start":106.244995,"end":107.704994,"sentiment":"neutral","sentiment_score":0.013554639182984827}],"sentiment":"neutral","sentiment_score":0.013554639182984827,"channel":1,"num_words":1,"start":106.244995,"end":107.704994},{"sentences":[{"text":"Yep.","start":108.055,"end":108.555,"sentiment":"neutral","sentiment_score":0.01448291540145874}],"sentiment":"neutral","sentiment_score":0.01448291540145874,"channel":0,"num_words":1,"start":108.055,"end":108.555},{"sentences":[{"text":"2 Slash 75 Murphy Road, Surmea.","start":108.725,"end":111.945,"sentiment":"neutral","sentiment_score":0.020144768990576267}],"sentiment":"neutral","sentiment_score":0.020144768990576267,"channel":1,"num_words":6,"start":108.725,"end":111.945},{"sentences":[{"text":"Fantastic.","start":112.775,"end":113.275,"sentiment":"positive","sentiment_score":0.3959200978279114},{"text":"Thank you so much for that.","start":113.495,"end":114.9,"sentiment":"positive","sentiment_score":0.4526595373948415},{"text":"So, Jason, I have sent a document through to you.","start":115.380005,"end":117.78,"sentiment":"neutral","sentiment_score":0.1229317158460617},{"text":"Are you able to look at your emails?","start":117.78,"end":119.78,"sentiment":"neutral","sentiment_score":0.0578074143268168},{"text":"If you can't, that's honestly okay.","start":119.78,"end":121.64,"sentiment":"neutral","sentiment_score":0.01645090865592162}],"sentiment":"neutral","sentiment_score":0.15814062087766587,"channel":0,"num_words":31,"start":112.775,"end":121.64},{"sentences":[{"text":"Did you send them today?","start":123.909996,"end":125.35,"sentiment":"neutral","sentiment_score":0.024687052890658378},{"text":"Or","start":125.35,"end":125.85,"sentiment":"neutral","sentiment_score":0.017559988424181938}],"sentiment":"neutral","sentiment_score":0.023499208812912304,"channel":1,"num_words":6,"start":123.909996,"end":125.85},{"sentences":[{"text":"Yeah.","start":125.94,"end":126.42,"sentiment":"neutral","sentiment_score":0.01600835844874382},{"text":"Just then.","start":126.42,"end":127.240005,"sentiment":"neutral","sentiment_score":0.015797821804881096}],"sentiment":"neutral","sentiment_score":0.01586800068616867,"channel":0,"num_words":3,"start":125.94,"end":127.240005},{"sentences":[{"text":"Alright.","start":129.105,"end":129.585,"sentiment":"neutral","sentiment_score":0.02845894545316696},{"text":"Hang on a second.","start":129.585,"end":130.485,"sentiment":"neutral","sentiment_score":0.03546955995261669},{"text":"Yes.","start":139.745,"end":140.145,"sentiment":"neutral","sentiment_score":0.11402608454227448},{"text":"Signature request.","start":140.145,"end":141.365,"sentiment":"neutral","sentiment_score":0.07011118717491627}],"sentiment":"neutral","sentiment_score":0.05307320551946759,"channel":1,"num_words":8,"start":129.105,"end":141.365},{"sentences":[{"text":"Yeah.","start":142.115,"end":142.515,"sentiment":"neutral","sentiment_score":0.1663682609796524},{"text":"So if you press the signature button, it'll let you go through forward so you can just review the document.","start":142.515,"end":147.7,"sentiment":"neutral","sentiment_score":0.22602026872336864}],"sentiment":"neutral","sentiment_score":0.22317969692604883,"channel":0,"num_words":21,"start":142.115,"end":147.7},{"sentences":[{"text":"Does it say sign document?","start":150.23,"end":152.01,"sentiment":"neutral","sentiment_score":0.03899541422724724},{"text":"Is that","start":152.47,"end":152.79,"sentiment":"neutral","sentiment_score":0.0472479946911335}],"sentiment":"neutral","sentiment_score":0.04135329435978617,"channel":1,"num_words":7,"start":150.23,"end":152.79},{"sentences":[{"text":"Yep.","start":152.71999,"end":153.21999,"sentiment":"neutral","sentiment_score":0.08595973253250122}],"sentiment":"neutral","sentiment_score":0.08595973253250122,"channel":0,"num_words":1,"start":152.71999,"end":153.21999},{"sentences":[{"text":"what you mean?","start":152.79,"end":153.69,"sentiment":"neutral","sentiment_score":0.06008794282873472},{"text":"Yeah.","start":153.75,"end":154.245,"sentiment":"neutral","sentiment_score":0.12243683636188508}],"sentiment":"neutral","sentiment_score":0.0756751662120223,"channel":1,"num_words":4,"start":152.79,"end":154.245},{"sentences":[{"text":"Yeah.","start":153.92,"end":154.31999,"sentiment":"neutral","sentiment_score":0.20931047201156616},{"text":"I won't ever ask you to sign anything you haven't read, but this allows you to be able to scroll up and down so you can view the document.","start":154.31999,"end":161.265,"sentiment":"neutral","sentiment_score":0.2376313009138765},{"text":"That way, I'm not talking at you, and you can see exactly what I'm talking about.","start":161.265,"end":165.125,"sentiment":"neutral","sentiment_score":0.26344890613108873},{"text":"Yeah.","start":165.185,"end":165.685,"sentiment":"neutral","sentiment_score":0.14373748004436493}],"sentiment":"neutral","sentiment_score":0.2438199612054419,"channel":0,"num_words":47,"start":153.92,"end":165.685},{"sentences":[{"text":"Text three.","start":165.525,"end":166.53,"sentiment":"neutral","sentiment_score":0.2175484597682953}],"sentiment":"neutral","sentiment_score":0.2175484597682953,"channel":1,"num_words":2,"start":165.525,"end":166.53},{"sentences":[{"text":"Fantastic.","start":167.185,"end":167.685,"sentiment":"positive","sentiment_score":0.7241841554641724},{"text":"Now on the front page of that document, when you are looking at it, it'll say statement of advice prepared for yourself, Jason Hale, as of the 07/08/2026.","start":167.905,"end":176.6,"sentiment":"neutral","sentiment_score":0.3128736705652305},{"text":"Our documents are valid for sixty days from the date on the front of the document there.","start":176.6,"end":180.54001,"sentiment":"neutral","sentiment_score":0.2623237713294871},{"text":"On the bottom of the front page has my authorized representative number.","start":180.92,"end":184.04001,"sentiment":"neutral","sentiment_score":0.18048562357823053},{"text":"So I'm a licensed financial adviser registered through ASIC, and my registration number is 1304394.","start":184.04001,"end":190.735,"sentiment":"neutral","sentiment_score":0.16473546226819355}],"sentiment":"neutral","sentiment_score":0.25453438987470656,"channel":0,"num_words":73,"start":167.185,"end":190.735},{"sentences":[{"text":"Okay?","start":190.735,"end":191.235,"sentiment":"neutral","sentiment_score":0.12894338369369507}],"sentiment":"neutral","sentiment_score":0.12894338369369507,"channel":0,"num_words":1,"start":190.735,"end":191.235},{"sentences":[{"text":"Alright.","start":191.47499,"end":191.97499,"sentiment":"neutral","sentiment_score":0.1709211766719818}],"sentiment":"neutral","sentiment_score":0.1709211766719818,"channel":1,"num_words":1,"start":191.47499,"end":191.97499},{"sentences":[{"text":"The next couple of pages run you through the best interest duty, the table of contents, and areas that we are scoping in and out with regards to the advice.","start":192.895,"end":200.115,"sentiment":"neutral","sentiment_score":0.1363953694701195},{"text":"When we did your annual review last, we sort of talked about looking at the retention side of things.","start":200.66,"end":204.9,"sentiment":"neutral","sentiment_score":0.07378375020466353},{"text":"So you had a bit of extra money sitting in your c bus account.","start":204.9,"end":207.78,"sentiment":"neutral","sentiment_score":0.0344753840139934},{"text":"We wanted to go back and review the investments within Hub twenty four and c bus to make sure that everything was in line with your risk profile.","start":207.78,"end":214.935,"sentiment":"neutral","sentiment_score":0.21469226532748767},{"text":"You're also in that growth environment, and you wanted to take on a little bit more risk to get a bit more growth out of your super as we work towards your retirement goals there.","start":215.39499,"end":223.735,"sentiment":"neutral","sentiment_score":0.17779631039925983}],"sentiment":"neutral","sentiment_score":0.14452906355025277,"channel":0,"num_words":126,"start":192.895,"end":223.735},{"sentences":[{"text":"You were hoping to be able to access super at around about age 65.","start":224.03499,"end":227.58,"sentiment":"neutral","sentiment_score":0.2867401699934687},{"text":"So we've looked at increasing your risk level a little bit, but also readjusting your portfolio to make sure that you're inside that risk level, but also that your super fund is working at its best possible capacity.","start":227.58,"end":238.48,"sentiment":"neutral","sentiment_score":0.18459905762421458},{"text":"Okay?","start":238.86,"end":239.36,"sentiment":"neutral","sentiment_score":0.1305350661277771}],"sentiment":"neutral","sentiment_score":0.2105596535048395,"channel":0,"num_words":53,"start":224.03499,"end":239.36},{"sentences":[{"text":"Hello?","start":240.235,"end":240.735,"sentiment":"neutral","sentiment_score":0.08089374005794525}],"sentiment":"neutral","sentiment_score":0.08089374005794525,"channel":1,"num_words":1,"start":240.235,"end":240.735},{"sentences":[{"text":"I've also scoped in the estate planning side of things.","start":241.195,"end":243.755,"sentiment":"neutral","sentiment_score":0.13265826664865016},{"text":"So just making sure that in the event of passing, that your beneficiary nominations are up to date to make sure all the proceeds are passed to your wife in the event that something happens to","start":243.755,"end":252.9,"sentiment":"neutral","sentiment_score":0.1576919307311376}],"sentiment":"neutral","sentiment_score":0.15224982984364033,"channel":0,"num_words":46,"start":241.195,"end":252.9},{"sentences":[{"text":"K.","start":254.75,"end":255.25,"sentiment":"neutral","sentiment_score":0.04871517792344093}],"sentiment":"neutral","sentiment_score":0.04871517792344093,"channel":1,"num_words":1,"start":254.75,"end":255.25},{"sentences":[{"text":"you.","start":255.29999,"end":255.78,"sentiment":"neutral","sentiment_score":0.03569703921675682},{"text":"We are not making any new recommendations around TV or income protection, so you are happy with the level of cover you had in c bus at the moment and your personally paid direct policy with the income protection.","start":255.78,"end":266.68,"sentiment":"neutral","sentiment_score":0.050515506034478165},{"text":"We just want to retain, obviously, the c bus account to retain the level of cover you have.","start":267.36502,"end":272.345,"sentiment":"neutral","sentiment_score":0.08884435354007615},{"text":"However, it's been limited scoped into the advice because the cover is paid out of your super, so it does have an effect on your overall retirement projections.","start":272.405,"end":280.665,"sentiment":"neutral","sentiment_score":-0.002398619893938303},{"text":"So whilst we don't make any new recommendations, we do consider that as part of the projection table for you.","start":280.80502,"end":286.93,"sentiment":"neutral","sentiment_score":0.08152177347801626}],"sentiment":"neutral","sentiment_score":0.04875730425295121,"channel":0,"num_words":106,"start":255.29999,"end":286.93},{"sentences":[{"text":"Okay?","start":286.99,"end":287.49,"sentiment":"neutral","sentiment_score":0.05047452077269554}],"sentiment":"neutral","sentiment_score":0.05047452077269554,"channel":0,"num_words":1,"start":286.99,"end":287.49},{"sentences":[{"text":"Two.","start":287.79,"end":288.29,"sentiment":"neutral","sentiment_score":0.1546514481306076}],"sentiment":"neutral","sentiment_score":0.1546514481306076,"channel":1,"num_words":1,"start":287.79,"end":288.29},{"sentences":[{"text":"Excellent.","start":288.59,"end":289.07,"sentiment":"positive","sentiment_score":0.5541187524795532},{"text":"And you don't have any life or trauma cover.","start":289.07,"end":291.23,"sentiment":"neutral","sentiment_score":0.11730593401524755},{"text":"You weren't wanting to get any new insurances other than what you already held, so we're not making any recommendations around that.","start":291.23,"end":298.025,"sentiment":"neutral","sentiment_score":-0.04464021312411536},{"text":"We've also scoped out debt management and additional contributions.","start":298.325,"end":301.70502,"sentiment":"neutral","sentiment_score":-0.020965914345449872},{"text":"So you didn't wanna make any additional contributions","start":301.765,"end":303.945,"sentiment":"neutral","sentiment_score":-0.04034013580530882}],"sentiment":"neutral","sentiment_score":0.0023749623333617132,"channel":0,"num_words":49,"start":288.59,"end":303.945},{"sentences":[{"text":"Okay.","start":303.795,"end":304.295,"sentiment":"neutral","sentiment_score":0.014656705781817436}],"sentiment":"neutral","sentiment_score":0.014656705781817436,"channel":1,"num_words":1,"start":303.795,"end":304.295},{"sentences":[{"text":"yet.","start":304.085,"end":304.325,"sentiment":"neutral","sentiment_score":0.026122698560357097},{"text":"You were hoping to, pay down your mortgage first, have that all covered, then make additional contributions down the track.","start":304.325,"end":307.9619,"sentiment":"neutral","sentiment_score":0.06105062309652567},{"text":"Does that still sound appropriate for you?","start":307.9619,"end":308.835,"sentiment":"neutral","sentiment_score":0.08759113401174545},{"text":"Does that still sound appropriate for","start":310.41,"end":312.43002,"sentiment":"neutral","sentiment_score":0.0420394092798233}],"sentiment":"neutral","sentiment_score":0.062132633948589075,"channel":0,"num_words":34,"start":304.085,"end":312.43002},{"sentences":[{"text":"Yeah.","start":312.62,"end":313.02,"sentiment":"neutral","sentiment_score":0.021068859845399857}],"sentiment":"neutral","sentiment_score":0.021068859845399857,"channel":1,"num_words":1,"start":312.62,"end":313.02},{"sentences":[{"text":"you?","start":312.65002,"end":313.15002,"sentiment":"neutral","sentiment_score":0.018211979418992996}],"sentiment":"neutral","sentiment_score":0.018211979418992996,"channel":0,"num_words":1,"start":312.65002,"end":313.15002},{"sentences":[{"text":"That's about it.","start":313.02,"end":314.22,"sentiment":"neutral","sentiment_score":0.017130780965089798},{"text":"Yes.","start":314.22,"end":314.72,"sentiment":"neutral","sentiment_score":0.07234355807304382}],"sentiment":"neutral","sentiment_score":0.030933975242078304,"channel":1,"num_words":4,"start":313.02,"end":314.72},{"sentences":[{"text":"That's right?","start":314.25,"end":315.07,"sentiment":"neutral","sentiment_score":0.11384094506502151},{"text":"Excellent.","start":315.37003,"end":315.87003,"sentiment":"positive","sentiment_score":0.4894431531429291},{"text":"Fantastic.","start":316.01,"end":316.51,"sentiment":"positive","sentiment_score":0.5254261493682861},{"text":"As you get through pages number nine and ten, it does have a list of your assets and liabilities on page 10 there, just what we had noted at our last conversation.","start":317.93002,"end":327.765,"sentiment":"neutral","sentiment_score":0.1611669233534485},{"text":"If I can just get you to run your eyes over that for me.","start":328.305,"end":331.025,"sentiment":"neutral","sentiment_score":0.12871934420296124}],"sentiment":"neutral","sentiment_score":0.16403927117586137,"channel":0,"num_words":50,"start":314.25,"end":331.025},{"sentences":[{"text":"I know your mortgage hopefully has been paid down a little bit there.","start":331.025,"end":334.405,"sentiment":"neutral","sentiment_score":0.025704665969197567},{"text":"Is there anything that you would like me to have updated in the back end that may have changed since we last called out?","start":334.785,"end":341.41,"sentiment":"neutral","sentiment_score":0.026858827875306208}],"sentiment":"neutral","sentiment_score":0.026453311529916687,"channel":0,"num_words":37,"start":331.025,"end":341.41},{"sentences":[{"text":"Well, you can take I'm just looking at the assets and liabilities.","start":342.095,"end":346.595,"sentiment":"neutral","sentiment_score":0.016481850917140644}],"sentiment":"neutral","sentiment_score":0.016481850917140644,"channel":1,"num_words":12,"start":342.095,"end":346.595},{"sentences":[{"text":"Yeah.","start":347.15002,"end":347.65002,"sentiment":"neutral","sentiment_score":0.012929619289934635}],"sentiment":"neutral","sentiment_score":0.012929619289934635,"channel":0,"num_words":1,"start":347.15002,"end":347.65002},{"sentences":[{"text":"Maybe you take that rice horses down a bit.","start":349.295,"end":352.27502,"sentiment":"neutral","sentiment_score":-0.035059230816033154},{"text":"I've","start":352.33502,"end":352.73502,"sentiment":"neutral","sentiment_score":-0.007290458306670189}],"sentiment":"neutral","sentiment_score":-0.03228235356509686,"channel":1,"num_words":10,"start":349.295,"end":352.73502},{"sentences":[{"text":"Yep.","start":352.59003,"end":352.905,"sentiment":"neutral","sentiment_score":-0.008796559646725655}],"sentiment":"neutral","sentiment_score":-0.008796559646725655,"channel":0,"num_words":1,"start":352.59003,"end":352.905},{"sentences":[{"text":"got rid of some of those, and","start":352.73502,"end":354.915,"sentiment":"neutral","sentiment_score":-0.03891748322972229}],"sentiment":"neutral","sentiment_score":-0.03891748322972229,"channel":1,"num_words":7,"start":352.73502,"end":354.915},{"sentences":[{"text":"Okay.","start":354.905,"end":355.405,"sentiment":"neutral","sentiment_score":0.0015283860266208649}],"sentiment":"neutral","sentiment_score":0.0015283860266208649,"channel":0,"num_words":1,"start":354.905,"end":355.405},{"sentences":[{"text":"I've only got two left now.","start":356.25,"end":358.11002,"sentiment":"neutral","sentiment_score":-0.02888490321735541}],"sentiment":"neutral","sentiment_score":-0.02888490321735541,"channel":1,"num_words":6,"start":356.25,"end":358.11002},{"sentences":[{"text":"What sort of value do you think you put on","start":358.825,"end":360.825,"sentiment":"neutral","sentiment_score":0.008761508390307426}],"sentiment":"neutral","sentiment_score":0.008761508390307426,"channel":0,"num_words":10,"start":358.825,"end":360.825},{"sentences":[{"text":"It's","start":360.73,"end":360.97,"sentiment":"neutral","sentiment_score":-0.0190739743411541}],"sentiment":"neutral","sentiment_score":-0.0190739743411541,"channel":1,"num_words":1,"start":360.73,"end":360.97},{"sentences":[{"text":"those","start":360.825,"end":361.065,"sentiment":"neutral","sentiment_score":-0.018820147961378098}],"sentiment":"neutral","sentiment_score":-0.018820147961378098,"channel":0,"num_words":1,"start":360.825,"end":361.065},{"sentences":[{"text":"probably","start":360.97,"end":361.47,"sentiment":"neutral","sentiment_score":-0.01944386586546898}],"sentiment":"neutral","sentiment_score":-0.01944386586546898,"channel":1,"num_words":1,"start":360.97,"end":361.47},{"sentences":[{"text":"now?","start":361.065,"end":361.565,"sentiment":"neutral","sentiment_score":-0.015699610114097595}],"sentiment":"neutral","sentiment_score":-0.015699610114097595,"channel":0,"num_words":1,"start":361.065,"end":361.565},{"sentences":[{"text":"a 100,000 there","start":361.61002,"end":363.47,"sentiment":"neutral","sentiment_score":-0.0063869596148530645}],"sentiment":"neutral","sentiment_score":-0.0063869596148530645,"channel":1,"num_words":3,"start":361.61002,"end":363.47},{"sentences":[{"text":"Yep.","start":363.785,"end":364.285,"sentiment":"neutral","sentiment_score":0.0023271001409739256}],"sentiment":"neutral","sentiment_score":0.0023271001409739256,"channel":0,"num_words":1,"start":363.785,"end":364.285},{"sentences":[{"text":"instead of 200,000.","start":363.85,"end":365.47,"sentiment":"neutral","sentiment_score":-0.015183858728657166}],"sentiment":"neutral","sentiment_score":-0.015183858728657166,"channel":1,"num_words":3,"start":363.85,"end":365.47},{"sentences":[{"text":"Yep.","start":365.625,"end":366.025,"sentiment":"neutral","sentiment_score":-0.004254251718521118},{"text":"They haven't been winning for you.","start":366.025,"end":367.885,"sentiment":"negative","sentiment_score":-0.34923407932122547}],"sentiment":"neutral","sentiment_score":-0.29995124680655344,"channel":0,"num_words":7,"start":365.625,"end":367.885},{"sentences":[{"text":"Well, she had a she had a she's had a first preparation, so you don't really have a race.","start":369.105,"end":375.585,"sentiment":"neutral","sentiment_score":-0.06801015942504532}],"sentiment":"neutral","sentiment_score":-0.06801015942504532,"channel":1,"num_words":19,"start":369.105,"end":375.585},{"sentences":[{"text":"Yeah.","start":375.19,"end":375.69,"sentiment":"neutral","sentiment_score":0.051794759929180145}],"sentiment":"neutral","sentiment_score":0.051794759929180145,"channel":0,"num_words":1,"start":375.19,"end":375.69},{"sentences":[{"text":"Right?","start":375.585,"end":375.985,"sentiment":"neutral","sentiment_score":0.04290660470724106},{"text":"You just","start":375.985,"end":376.625,"sentiment":"neutral","sentiment_score":0.04439719766378403}],"sentiment":"neutral","sentiment_score":0.04390033334493637,"channel":1,"num_words":3,"start":375.585,"end":376.625},{"sentences":[{"text":"Yep.","start":376.47,"end":376.97,"sentiment":"neutral","sentiment_score":0.12165700644254684}],"sentiment":"neutral","sentiment_score":0.12165700644254684,"channel":0,"num_words":1,"start":376.47,"end":376.97},{"sentences":[{"text":"she's won a trial, and she's done alright, but because she's just a baby, you don't wanna kill her.","start":376.705,"end":382.385,"sentiment":"neutral","sentiment_score":0.07309709156030103},{"text":"So,","start":382.385,"end":382.885,"sentiment":"neutral","sentiment_score":-0.016843512654304504}],"sentiment":"neutral","sentiment_score":0.06860006134957075,"channel":1,"num_words":20,"start":376.705,"end":382.885},{"sentences":[{"text":"No.","start":382.79,"end":383.19,"sentiment":"neutral","sentiment_score":-0.06992066651582718},{"text":"Of","start":383.19,"end":383.43,"sentiment":"neutral","sentiment_score":-0.04285472631454468}],"sentiment":"neutral","sentiment_score":-0.05638769641518593,"channel":0,"num_words":2,"start":382.79,"end":383.43},{"sentences":[{"text":"yeah,","start":383.37003,"end":383.87003,"sentiment":"neutral","sentiment_score":-0.021484151482582092}],"sentiment":"neutral","sentiment_score":-0.021484151482582092,"channel":1,"num_words":1,"start":383.37003,"end":383.87003},{"sentences":[{"text":"course.","start":383.43,"end":383.93,"sentiment":"neutral","sentiment_score":-0.04692641645669937}],"sentiment":"neutral","sentiment_score":-0.04692641645669937,"channel":0,"num_words":1,"start":383.43,"end":383.93},{"sentences":[{"text":"so I I asked about insurance on that horse, and they said about $100.","start":386.01,"end":392.03003,"sentiment":"neutral","sentiment_score":-0.03316731644528253},{"text":"So","start":392.41,"end":392.91,"sentiment":"neutral","sentiment_score":-0.009260829538106918}],"sentiment":"neutral","sentiment_score":-0.03157355065147082,"channel":1,"num_words":15,"start":386.01,"end":392.91},{"sentences":[{"text":"Okay.","start":392.685,"end":393.185,"sentiment":"neutral","sentiment_score":-0.009852414950728416}],"sentiment":"neutral","sentiment_score":-0.009852414950728416,"channel":0,"num_words":1,"start":392.685,"end":393.185},{"sentences":[{"text":"drop that down a bit because I got rid of the others.","start":393.61002,"end":397.13498,"sentiment":"neutral","sentiment_score":-0.03333519088725249},{"text":"I","start":397.19498,"end":397.435,"sentiment":"neutral","sentiment_score":0.11817175149917604}],"sentiment":"neutral","sentiment_score":-0.021680810703681067,"channel":1,"num_words":13,"start":393.61002,"end":397.435},{"sentences":[{"text":"Absolutely.","start":397.41998,"end":397.66,"sentiment":"neutral","sentiment_score":0.13704779744148254}],"sentiment":"neutral","sentiment_score":0.13704779744148254,"channel":0,"num_words":1,"start":397.41998,"end":397.66},{"sentences":[{"text":"kind","start":397.435,"end":397.875,"sentiment":"neutral","sentiment_score":0.07783955335617065}],"sentiment":"neutral","sentiment_score":0.07783955335617065,"channel":1,"num_words":1,"start":397.435,"end":397.875},{"sentences":[{"text":"Yeah.","start":397.66,"end":398.16,"sentiment":"neutral","sentiment_score":0.04899083077907562}],"sentiment":"neutral","sentiment_score":0.04899083077907562,"channel":0,"num_words":1,"start":397.66,"end":398.16},{"sentences":[{"text":"of you know, not all wealthy course owners.","start":397.875,"end":402.815,"sentiment":"neutral","sentiment_score":-0.01998908375389874}],"sentiment":"neutral","sentiment_score":-0.01998908375389874,"channel":1,"num_words":8,"start":397.875,"end":402.815},{"sentences":[{"text":"Yeah.","start":403.5,"end":404.0,"sentiment":"neutral","sentiment_score":0.02239339053630829}],"sentiment":"neutral","sentiment_score":0.02239339053630829,"channel":0,"num_words":1,"start":403.5,"end":404.0},{"sentences":[{"text":"My property is be up another $200, though, because I just","start":403.835,"end":408.155,"sentiment":"neutral","sentiment_score":0.05621309680017558}],"sentiment":"neutral","sentiment_score":0.05621309680017558,"channel":1,"num_words":11,"start":403.835,"end":408.155},{"sentences":[{"text":"Yep.","start":407.98,"end":408.48,"sentiment":"neutral","sentiment_score":0.07778459787368774}],"sentiment":"neutral","sentiment_score":0.07778459787368774,"channel":0,"num_words":1,"start":407.98,"end":408.48},{"sentences":[{"text":"got it evaluated, so that'd be 9","start":408.155,"end":410.61,"sentiment":"neutral","sentiment_score":0.07664657597030912}],"sentiment":"neutral","sentiment_score":0.07664657597030912,"channel":1,"num_words":7,"start":408.155,"end":410.61},{"sentences":[{"text":"Nine fifty.","start":411.5,"end":412.535,"sentiment":"neutral","sentiment_score":0.053412534296512604},{"text":"Fantastic.","start":412.595,"end":413.095,"sentiment":"positive","sentiment_score":0.5023396015167236}],"sentiment":"neutral","sentiment_score":0.20305489003658295,"channel":0,"num_words":3,"start":411.5,"end":413.095},{"sentences":[{"text":"50.","start":413.56998,"end":414.05,"sentiment":"neutral","sentiment_score":0.2503913640975952}],"sentiment":"neutral","sentiment_score":0.2503913640975952,"channel":1,"num_words":1,"start":413.56998,"end":414.05},{"sentences":[{"text":"Excellent.","start":413.795,"end":414.295,"sentiment":"positive","sentiment_score":0.45589351654052734}],"sentiment":"positive","sentiment_score":0.45589351654052734,"channel":0,"num_words":1,"start":413.795,"end":414.295},{"sentences":[{"text":"The cars the cars are probably the same or maybe, you know, they're getting older, so maybe a bit less.","start":414.05,"end":420.87,"sentiment":"neutral","sentiment_score":0.03500355882570148},{"text":"So take","start":421.00998,"end":421.72998,"sentiment":"neutral","sentiment_score":0.04796702414751053}],"sentiment":"neutral","sentiment_score":0.03618205567313866,"channel":1,"num_words":22,"start":414.05,"end":421.72998},{"sentences":[{"text":"Yep.","start":421.475,"end":421.975,"sentiment":"neutral","sentiment_score":0.04727579280734062}],"sentiment":"neutral","sentiment_score":0.04727579280734062,"channel":0,"num_words":1,"start":421.475,"end":421.975},{"sentences":[{"text":"$5 off that.","start":421.72998,"end":423.045,"sentiment":"neutral","sentiment_score":0.05027042577664057}],"sentiment":"neutral","sentiment_score":0.05027042577664057,"channel":1,"num_words":3,"start":421.72998,"end":423.045},{"sentences":[{"text":"10,000.","start":423.315,"end":424.055,"sentiment":"neutral","sentiment_score":0.09792856127023696}],"sentiment":"neutral","sentiment_score":0.09792856127023696,"channel":0,"num_words":1,"start":423.315,"end":424.055},{"sentences":[{"text":"The gold top has gone up","start":424.08502,"end":426.24503,"sentiment":"positive","sentiment_score":0.42812196910381317}],"sentiment":"positive","sentiment_score":0.42812196910381317,"channel":1,"num_words":6,"start":424.08502,"end":426.24503},{"sentences":[{"text":"Fantastic.","start":426.01,"end":426.51,"sentiment":"positive","sentiment_score":0.5951860547065735}],"sentiment":"positive","sentiment_score":0.5951860547065735,"channel":0,"num_words":1,"start":426.01,"end":426.51},{"sentences":[{"text":"to 20, so that's","start":426.24503,"end":428.005,"sentiment":"positive","sentiment_score":0.4759994298219681}],"sentiment":"positive","sentiment_score":0.4759994298219681,"channel":1,"num_words":4,"start":426.24503,"end":428.005},{"sentences":[{"text":"Fantastic.","start":427.69,"end":428.19,"sentiment":"positive","sentiment_score":0.6167175769805908}],"sentiment":"positive","sentiment_score":0.6167175769805908,"channel":0,"num_words":1,"start":427.69,"end":428.19},{"sentences":[{"text":"good.","start":428.005,"end":428.505,"sentiment":"positive","sentiment_score":0.3973804116249085}],"sentiment":"positive","sentiment_score":0.3973804116249085,"channel":1,"num_words":1,"start":428.005,"end":428.505},{"sentences":[{"text":"Yeah.","start":428.89,"end":429.39,"sentiment":"neutral","sentiment_score":0.12245118618011476}],"sentiment":"neutral","sentiment_score":0.12245118618011476,"channel":0,"num_words":1,"start":428.89,"end":429.39},{"sentences":[{"text":"The rest is probably the same.","start":430.725,"end":432.42502,"sentiment":"neutral","sentiment_score":0.049657983084519706}],"sentiment":"neutral","sentiment_score":0.049657983084519706,"channel":1,"num_words":6,"start":430.725,"end":432.42502},{"sentences":[{"text":"The","start":432.41,"end":432.57,"sentiment":"neutral","sentiment_score":-0.016985278576612473}],"sentiment":"neutral","sentiment_score":-0.016985278576612473,"channel":0,"num_words":1,"start":432.41,"end":432.57},{"sentences":[{"text":"I","start":432.565,"end":432.64502,"sentiment":"neutral","sentiment_score":-0.014312777668237686}],"sentiment":"neutral","sentiment_score":-0.014312777668237686,"channel":1,"num_words":1,"start":432.565,"end":432.64502},{"sentences":[{"text":"same.","start":432.57,"end":433.07,"sentiment":"neutral","sentiment_score":-0.012425128370523453}],"sentiment":"neutral","sentiment_score":-0.012425128370523453,"channel":0,"num_words":1,"start":432.57,"end":433.07},{"sentences":[{"text":"mean, I don't I'm not really sure that I would actually have 50 grands worth of contents, but","start":432.64502,"end":438.38,"sentiment":"neutral","sentiment_score":-0.048975972251759634}],"sentiment":"neutral","sentiment_score":-0.048975972251759634,"channel":1,"num_words":18,"start":432.64502,"end":438.38},{"sentences":[{"text":"I don't know.","start":438.89,"end":439.455,"sentiment":"neutral","sentiment_score":-0.08209890375534694},{"text":"I","start":440.41498,"end":440.57498,"sentiment":"neutral","sentiment_score":-0.07570013403892517}],"sentiment":"neutral","sentiment_score":-0.0804992113262415,"channel":0,"num_words":4,"start":438.89,"end":440.57498},{"sentences":[{"text":"it","start":440.47998,"end":440.97998,"sentiment":"neutral","sentiment_score":-0.061842869967222214}],"sentiment":"neutral","sentiment_score":-0.061842869967222214,"channel":1,"num_words":1,"start":440.47998,"end":440.97998},{"sentences":[{"text":"reckon if you realistically, if you took your house upside down, everything fell out.","start":440.57498,"end":444.655,"sentiment":"neutral","sentiment_score":-0.13196701716099465},{"text":"That's all your content.","start":444.655,"end":445.935,"sentiment":"neutral","sentiment_score":-0.03950104862451553},{"text":"So that's quite","start":445.935,"end":446.495,"sentiment":"neutral","sentiment_score":-0.04265657812356949}],"sentiment":"neutral","sentiment_score":-0.10159581757727124,"channel":0,"num_words":21,"start":440.57498,"end":446.495},{"sentences":[{"text":"yeah.","start":446.28,"end":446.78,"sentiment":"neutral","sentiment_score":-0.06276892125606537}],"sentiment":"neutral","sentiment_score":-0.06276892125606537,"channel":1,"num_words":1,"start":446.28,"end":446.78},{"sentences":[{"text":"a lot of things to replace when you think about it.","start":446.495,"end":449.07498,"sentiment":"neutral","sentiment_score":-0.08350769870660522}],"sentiment":"neutral","sentiment_score":-0.08350769870660522,"channel":0,"num_words":11,"start":446.495,"end":449.07498},{"sentences":[{"text":"Yeah.","start":448.75998,"end":449.24,"sentiment":"neutral","sentiment_score":0.00223635695874691},{"text":"That's probably right.","start":449.24,"end":450.53998,"sentiment":"neutral","sentiment_score":0.008156100753694771}],"sentiment":"neutral","sentiment_score":0.006676164804957806,"channel":1,"num_words":4,"start":448.75998,"end":450.53998},{"sentences":[{"text":"Yeah.","start":450.495,"end":450.995,"sentiment":"neutral","sentiment_score":0.0056505268439650536}],"sentiment":"neutral","sentiment_score":0.0056505268439650536,"channel":0,"num_words":1,"start":450.495,"end":450.995},{"sentences":[{"text":"But yeah.","start":450.845,"end":451.365,"sentiment":"neutral","sentiment_score":-0.0013972246088087559},{"text":"So if you wanna make those adjustments,","start":451.365,"end":453.505,"sentiment":"neutral","sentiment_score":0.0013891874945589475}],"sentiment":"neutral","sentiment_score":0.00076998480492168,"channel":1,"num_words":9,"start":450.845,"end":453.505},{"sentences":[{"text":"Yeah.","start":453.935,"end":454.26,"sentiment":"neutral","sentiment_score":-0.038189273327589035}],"sentiment":"neutral","sentiment_score":-0.038189273327589035,"channel":0,"num_words":1,"start":453.935,"end":454.26},{"sentences":[{"text":"I don't know what that's not gonna really make any difference to anything, I suppose.","start":454.125,"end":458.86502,"sentiment":"neutral","sentiment_score":-0.12330127457777659}],"sentiment":"neutral","sentiment_score":-0.12330127457777659,"channel":1,"num_words":15,"start":454.125,"end":458.86502},{"sentences":[{"text":"No.","start":459.14,"end":459.46002,"sentiment":"neutral","sentiment_score":-0.05409328639507294},{"text":"That's okay.","start":459.46002,"end":460.1,"sentiment":"neutral","sentiment_score":0.002324681729078293},{"text":"I'd just like to update in the back end for you.","start":460.1,"end":461.94,"sentiment":"neutral","sentiment_score":0.06977613270282745},{"text":"So it won't I won't worry","start":461.94,"end":462.98,"sentiment":"neutral","sentiment_score":0.04220031822721163}],"sentiment":"neutral","sentiment_score":0.048564772307872775,"channel":0,"num_words":20,"start":459.14,"end":462.98},{"sentences":[{"text":"Yeah.","start":462.765,"end":463.265,"sentiment":"neutral","sentiment_score":0.033810991793870926}],"sentiment":"neutral","sentiment_score":0.033810991793870926,"channel":1,"num_words":1,"start":462.765,"end":463.265},{"sentences":[{"text":"about updating the advice document because it doesn't change any of the advice provided, but it's good to update it in the back end for you just so we can have things updated and reflective.","start":462.98,"end":471.315,"sentiment":"neutral","sentiment_score":0.1264258535844939}],"sentiment":"neutral","sentiment_score":0.1264258535844939,"channel":0,"num_words":35,"start":462.98,"end":471.315},{"sentences":[{"text":"Yeah.","start":471.71,"end":472.19,"sentiment":"neutral","sentiment_score":0.08700842410326004}],"sentiment":"neutral","sentiment_score":0.08700842410326004,"channel":1,"num_words":1,"start":471.71,"end":472.19},{"sentences":[{"text":"Okay?","start":471.775,"end":472.275,"sentiment":"neutral","sentiment_score":0.1005747616291046}],"sentiment":"neutral","sentiment_score":0.1005747616291046,"channel":0,"num_words":1,"start":471.775,"end":472.275},{"sentences":[{"text":"Sure.","start":472.19,"end":472.69,"sentiment":"neutral","sentiment_score":0.23227378726005551}],"sentiment":"neutral","sentiment_score":0.23227378726005551,"channel":1,"num_words":1,"start":472.19,"end":472.69},{"sentences":[{"text":"Fantastic.","start":473.13498,"end":473.63498,"sentiment":"positive","sentiment_score":0.4906587600708008},{"text":"Underneath that, we've got your current super balance.","start":474.895,"end":476.97498,"sentiment":"neutral","sentiment_score":0.3032676759175956},{"text":"So within Hub 24 and your c bus, at the moment, you have about eleven thousand two fifty three in c bus.","start":476.97498,"end":482.93,"sentiment":"neutral","sentiment_score":0.022718983025036076},{"text":"Could be a bit more since we did this document a few weeks back.","start":482.93,"end":486.63,"sentiment":"neutral","sentiment_score":-0.007491893933287689},{"text":"And then your balance in Hub 24 is at the $242,004.92.","start":486.77,"end":491.775,"sentiment":"neutral","sentiment_score":0.017686459235846996}],"sentiment":"neutral","sentiment_score":0.0626121844730473,"channel":0,"num_words":56,"start":473.13498,"end":491.775},{"sentences":[{"text":"Okay.","start":492.255,"end":492.755,"sentiment":"neutral","sentiment_score":-0.004019567742943764},{"text":"We've got your insurance","start":493.775,"end":494.975,"sentiment":"neutral","sentiment_score":-0.04766325559467077}],"sentiment":"neutral","sentiment_score":-0.03893451802432537,"channel":0,"num_words":5,"start":492.255,"end":494.975},{"sentences":[{"text":"It's","start":494.76,"end":495.0,"sentiment":"neutral","sentiment_score":-0.1580919474363327}],"sentiment":"neutral","sentiment_score":-0.1580919474363327,"channel":1,"num_words":1,"start":494.76,"end":495.0},{"sentences":[{"text":"policy","start":494.975,"end":495.375,"sentiment":"neutral","sentiment_score":-0.275471568107605}],"sentiment":"neutral","sentiment_score":-0.275471568107605,"channel":0,"num_words":1,"start":494.975,"end":495.375},{"sentences":[{"text":"not match,","start":495.0,"end":495.56,"sentiment":"neutral","sentiment_score":-0.16401159018278122}],"sentiment":"neutral","sentiment_score":-0.16401159018278122,"channel":1,"num_words":2,"start":495.0,"end":495.56},{"sentences":[{"text":"within","start":495.375,"end":495.875,"sentiment":"neutral","sentiment_score":-0.11078773438930511}],"sentiment":"neutral","sentiment_score":-0.11078773438930511,"channel":0,"num_words":1,"start":495.375,"end":495.875},{"sentences":[{"text":"is it?","start":495.56,"end":496.3,"sentiment":"neutral","sentiment_score":-0.09321783483028412}],"sentiment":"neutral","sentiment_score":-0.09321783483028412,"channel":1,"num_words":2,"start":495.56,"end":496.3},{"sentences":[{"text":"it's not much.","start":496.495,"end":497.29498,"sentiment":"neutral","sentiment_score":-0.2663324574629466},{"text":"It's getting there, though.","start":497.29498,"end":498.175,"sentiment":"neutral","sentiment_score":-0.2320880927145481},{"text":"You still got a bit of time ahead of you.","start":498.175,"end":500.435,"sentiment":"neutral","sentiment_score":-0.25050961822271345},{"text":"See what I can do to make things work a bit harder for you.","start":500.495,"end":503.475,"sentiment":"neutral","sentiment_score":-0.249117588358266}],"sentiment":"neutral","sentiment_score":-0.249035231048061,"channel":0,"num_words":31,"start":496.495,"end":503.475},{"sentences":[{"text":"Yeah.","start":503.56,"end":503.72,"sentiment":"neutral","sentiment_score":-0.0013427715748548508},{"text":"Go ahead.","start":503.72,"end":504.38,"sentiment":"neutral","sentiment_score":0.03793586604297161}],"sentiment":"neutral","sentiment_score":0.024842986837029457,"channel":1,"num_words":3,"start":503.56,"end":504.38},{"sentences":[{"text":"On the next page there, your current insurances.","start":504.82,"end":507.24,"sentiment":"neutral","sentiment_score":0.04120828304439783},{"text":"So within C Bus there, you do have 80 sorry.","start":507.38,"end":510.34,"sentiment":"neutral","sentiment_score":0.06349610015749932},{"text":"82,500 of TBD cover and some income protection there with a thirty day wait and two year benefit period.","start":510.34,"end":517.54,"sentiment":"neutral","sentiment_score":0.0607811045881949},{"text":"And then within Zurich, you've also got a bit of extra income protection for top up cover there with a thirty day waiting period and two year benefits period.","start":517.54,"end":525.595,"sentiment":"neutral","sentiment_score":0.06523750902249895},{"text":"The current sum insured there is $1.09 $9.02.","start":525.595,"end":528.555,"sentiment":"neutral","sentiment_score":0.036486459663137794}],"sentiment":"neutral","sentiment_score":0.05815199583869528,"channel":0,"num_words":74,"start":504.82,"end":528.555},{"sentences":[{"text":"Okay?","start":528.555,"end":529.055,"sentiment":"neutral","sentiment_score":0.029846716672182083}],"sentiment":"neutral","sentiment_score":0.029846716672182083,"channel":0,"num_words":1,"start":528.555,"end":529.055},{"sentences":[{"text":"Yes.","start":529.95,"end":530.45,"sentiment":"neutral","sentiment_score":0.08067859709262848}],"sentiment":"neutral","sentiment_score":0.08067859709262848,"channel":1,"num_words":1,"start":529.95,"end":530.45},{"sentences":[{"text":"To make this a bit easier, if you can go down to page number 14 for me, this is where the recommendations essentially start.","start":530.875,"end":537.55,"sentiment":"neutral","sentiment_score":0.14638873934745789},{"text":"I'll","start":538.41,"end":538.64996,"sentiment":"neutral","sentiment_score":0.13999587297439575}],"sentiment":"neutral","sentiment_score":0.1461330246925354,"channel":0,"num_words":25,"start":530.875,"end":538.64996},{"sentences":[{"text":"Right.","start":538.455,"end":538.955,"sentiment":"neutral","sentiment_score":0.17962752282619476}],"sentiment":"neutral","sentiment_score":0.17962752282619476,"channel":1,"num_words":1,"start":538.455,"end":538.955},{"sentences":[{"text":"go through them nice and easily, and then you feel free to ask me questions.","start":538.64996,"end":542.73,"sentiment":"neutral","sentiment_score":0.2587270051240921},{"text":"If you do have any questions throughout, you can just interrupt me and say, Daniel, just stop and let me ask some","start":542.73,"end":547.46497,"sentiment":"neutral","sentiment_score":0.11433781785043803}],"sentiment":"neutral","sentiment_score":0.17287397485327077,"channel":0,"num_words":37,"start":538.64996,"end":547.46497},{"sentences":[{"text":"Yep.","start":547.45996,"end":547.95996,"sentiment":"neutral","sentiment_score":0.07853270322084427}],"sentiment":"neutral","sentiment_score":0.07853270322084427,"channel":1,"num_words":1,"start":547.45996,"end":547.95996},{"sentences":[{"text":"questions and","start":547.46497,"end":548.345,"sentiment":"neutral","sentiment_score":0.07683570683002472}],"sentiment":"neutral","sentiment_score":0.07683570683002472,"channel":0,"num_words":2,"start":547.46497,"end":548.345},{"sentences":[{"text":"So","start":548.18,"end":548.68,"sentiment":"neutral","sentiment_score":0.06407060474157333}],"sentiment":"neutral","sentiment_score":0.06407060474157333,"channel":1,"num_words":1,"start":548.18,"end":548.68},{"sentences":[{"text":"ask anything you have.","start":548.345,"end":549.46497,"sentiment":"neutral","sentiment_score":0.07585063204169273},{"text":"Okay?","start":549.46497,"end":549.96497,"sentiment":"neutral","sentiment_score":0.07147565484046936},{"text":"We are recommending that you do retain your CBass super fund to retain your insurances, but we only wanna hold that with a minimum amount of cover.","start":550.985,"end":557.8018,"sentiment":"neutral","sentiment_score":0.1437467035871965},{"text":"So you'll keep your contributions going into CBass as they are, and then we're gonna roll all of that.","start":557.8018,"end":558.695,"sentiment":"neutral","sentiment_score":0.2740337440842076},{"text":"Retain C bus with a balance of $10,000 and keep your contributions moving in.","start":565.79004,"end":571.01,"sentiment":"positive","sentiment_score":0.3900970050266811}],"sentiment":"neutral","sentiment_score":0.22960059058207732,"channel":0,"num_words":65,"start":548.345,"end":571.01},{"sentences":[{"text":"Essentially, every year, anything above that 10,000, we wanna have rolled that into hub twenty four and keep that money moving so it is invested within Hub 24 hoping to get greater growth there for you.","start":571.07,"end":582.705,"sentiment":"neutral","sentiment_score":0.3121594103674094}],"sentiment":"neutral","sentiment_score":0.3121594103674094,"channel":0,"num_words":36,"start":571.07,"end":582.705},{"sentences":[{"text":"Yes.","start":583.32,"end":583.695,"sentiment":"neutral","sentiment_score":0.20847949385643005}],"sentiment":"neutral","sentiment_score":0.20847949385643005,"channel":1,"num_words":1,"start":583.32,"end":583.695},{"sentences":[{"text":"I'm also recommending we retain hub twenty four.","start":583.805,"end":586.365,"sentiment":"neutral","sentiment_score":0.2133493386209011},{"text":"I did review both super funds.","start":586.365,"end":588.12,"sentiment":"neutral","sentiment_score":0.3124505877494812},{"text":"They are still working really well.","start":588.12,"end":590.06,"sentiment":"positive","sentiment_score":0.5662288765112559},{"text":"Hub twenty four is still a great fund.","start":590.36005,"end":592.36005,"sentiment":"positive","sentiment_score":0.5234036911278963},{"text":"And, obviously, if we did, there are other funds that that could be a bit cheaper.","start":592.36005,"end":595.96,"sentiment":"neutral","sentiment_score":-0.009473433019593358}],"sentiment":"neutral","sentiment_score":0.25033013852821157,"channel":0,"num_words":44,"start":583.805,"end":595.96},{"sentences":[{"text":"But if we look to, sell down all of the investments and remove all the funds, the CGT affects your super fund just like you actually pays tax every year and has pays capital gains tax and income tax.","start":595.96,"end":607.795,"sentiment":"neutral","sentiment_score":-0.18205807443994743}],"sentiment":"neutral","sentiment_score":-0.18205807443994743,"channel":0,"num_words":39,"start":595.96,"end":607.795},{"sentences":[{"text":"Yep.","start":608.34,"end":608.84,"sentiment":"neutral","sentiment_score":-0.012925095856189728}],"sentiment":"neutral","sentiment_score":-0.012925095856189728,"channel":1,"num_words":1,"start":608.34,"end":608.84},{"sentences":[{"text":"If we were to sell down and move to another fund, it would have a greater a larger CGT effect for your super, which meant which means your fund would have to pay more tax.","start":608.415,"end":618.48004,"sentiment":"neutral","sentiment_score":-0.17190729613815034},{"text":"So it is best to retain hub twenty four at the moment.","start":618.48004,"end":621.46,"sentiment":"neutral","sentiment_score":0.04501847612361113},{"text":"Realistically, hub twenty four hasn't made any changes that are detrimental.","start":621.52,"end":625.14,"sentiment":"neutral","sentiment_score":0.06345137411897833},{"text":"It is still a great fund and still has the most amount of investment options to be able to adjust your portfolio within.","start":625.52,"end":632.02,"sentiment":"positive","sentiment_score":0.6123365047185317},{"text":"Okay?","start":632.24005,"end":632.74005,"sentiment":"neutral","sentiment_score":0.23509761691093445}],"sentiment":"neutral","sentiment_score":0.11634474011456095,"channel":0,"num_words":82,"start":608.415,"end":632.74005},{"sentences":[{"text":"Okay.","start":633.01,"end":633.51,"sentiment":"neutral","sentiment_score":0.14046324789524078},{"text":"Yeah.","start":633.65,"end":634.15,"sentiment":"neutral","sentiment_score":0.10445334762334824}],"sentiment":"neutral","sentiment_score":0.12245829775929451,"channel":1,"num_words":2,"start":633.01,"end":634.15},{"sentences":[{"text":"Because your super balance is only at 11,000, normally, we wanna roll over 10,000 over.","start":634.425,"end":640.345,"sentiment":"neutral","sentiment_score":0.03404455333948135},{"text":"I do not see a need to roll, basically, a $1,000 out of the c bus account.","start":640.345,"end":646.125,"sentiment":"neutral","sentiment_score":-0.17202621610725627},{"text":"So what I will do for now is I'm not gonna do a rollover right now.","start":646.265,"end":650.13,"sentiment":"neutral","sentiment_score":-0.14234079886227846},{"text":"We'll probably just wait till the next catch up.","start":650.13,"end":652.53,"sentiment":"neutral","sentiment_score":-0.06496504777007633},{"text":"We'll check the c bus balance then.","start":652.53,"end":654.37,"sentiment":"neutral","sentiment_score":0.009204535345946039}],"sentiment":"neutral","sentiment_score":-0.08142943496932276,"channel":0,"num_words":64,"start":634.425,"end":654.37},{"sentences":[{"text":"And if we need to do a rollover, then if the balance is a bit higher, then we'll roll some money out for you.","start":654.37,"end":659.41,"sentiment":"neutral","sentiment_score":0.02646663513345023},{"text":"Okay?","start":659.41,"end":659.91,"sentiment":"neutral","sentiment_score":0.05293063819408417}],"sentiment":"neutral","sentiment_score":0.027525195255875587,"channel":0,"num_words":25,"start":654.37,"end":659.91},{"sentences":[{"text":"Well, I'll obviously be paying it's about what I pay in Superhour with my wages, it's it's not a lot, but it's about 1,000 about 1,500 a quarter, I suppose.","start":660.01,"end":675.175,"sentiment":"neutral","sentiment_score":0.024780937284231187}],"sentiment":"neutral","sentiment_score":0.024780937284231187,"channel":1,"num_words":30,"start":660.01,"end":675.175},{"sentences":[{"text":"Yeah.","start":675.265,"end":675.765,"sentiment":"neutral","sentiment_score":0.1763298064470291},{"text":"I am recommending","start":676.13,"end":677.25,"sentiment":"neutral","sentiment_score":0.20687207579612732}],"sentiment":"neutral","sentiment_score":0.19923650845885277,"channel":0,"num_words":4,"start":675.265,"end":677.25},{"sentences":[{"text":"So","start":676.915,"end":677.415,"sentiment":"neutral","sentiment_score":0.2770891487598419}],"sentiment":"neutral","sentiment_score":0.2770891487598419,"channel":1,"num_words":1,"start":676.915,"end":677.415},{"sentences":[{"text":"that you make those do change and have that paid on more of a regular basis.","start":677.25,"end":681.81,"sentiment":"positive","sentiment_score":0.3452501408755779},{"text":"So so instead of doing it quarterly, try doing it weekly or fortnightly.","start":681.81,"end":685.67,"sentiment":"neutral","sentiment_score":0.17159533271422753}],"sentiment":"neutral","sentiment_score":0.26740488204462776,"channel":0,"num_words":29,"start":677.25,"end":685.67},{"sentences":[{"text":"Yeah.","start":686.12006,"end":686.44,"sentiment":"neutral","sentiment_score":0.17382842302322388}],"sentiment":"neutral","sentiment_score":0.17382842302322388,"channel":1,"num_words":1,"start":686.12006,"end":686.44},{"sentences":[{"text":"That way","start":686.20996,"end":686.61,"sentiment":"neutral","sentiment_score":0.14611493051052094}],"sentiment":"neutral","sentiment_score":0.14611493051052094,"channel":0,"num_words":2,"start":686.20996,"end":686.61},{"sentences":[{"text":"You","start":686.44,"end":686.68005,"sentiment":"neutral","sentiment_score":0.1324563026428223}],"sentiment":"neutral","sentiment_score":0.1324563026428223,"channel":1,"num_words":1,"start":686.44,"end":686.68005},{"sentences":[{"text":"you're","start":686.61,"end":686.85,"sentiment":"neutral","sentiment_score":0.2743302881717682}],"sentiment":"neutral","sentiment_score":0.2743302881717682,"channel":0,"num_words":1,"start":686.61,"end":686.85},{"sentences":[{"text":"have","start":686.68005,"end":686.92004,"sentiment":"neutral","sentiment_score":0.28032076358795166}],"sentiment":"neutral","sentiment_score":0.28032076358795166,"channel":1,"num_words":1,"start":686.68005,"end":686.92004},{"sentences":[{"text":"putting","start":686.85,"end":687.33,"sentiment":"neutral","sentiment_score":0.3091237545013428}],"sentiment":"neutral","sentiment_score":0.3091237545013428,"channel":0,"num_words":1,"start":686.85,"end":687.33},{"sentences":[{"text":"to, man.","start":686.92004,"end":687.74005,"sentiment":"neutral","sentiment_score":0.18244292587041855}],"sentiment":"neutral","sentiment_score":0.18244292587041855,"channel":1,"num_words":2,"start":686.92004,"end":687.74005},{"sentences":[{"text":"smaller amounts in.","start":687.33,"end":688.45,"sentiment":"neutral","sentiment_score":0.17735300461451212},{"text":"Yeah.","start":688.45,"end":688.69,"sentiment":"positive","sentiment_score":0.3396170437335968},{"text":"That way you're putting smaller amounts in more regularly.","start":688.69,"end":691.35,"sentiment":"positive","sentiment_score":0.4194456504450904},{"text":"Your super fund actually benefits greater from that because you're properly dollar cost averaging into the fund.","start":692.14496,"end":698.08496,"sentiment":"positive","sentiment_score":0.6048113786998917},{"text":"But it also means instead of having a larger lump sum on a quarterly basis, you're just putting smaller amounts in more regularly, so it's much more manageable to do for you.","start":698.14496,"end":707.5,"sentiment":"positive","sentiment_score":0.3399582535494119}],"sentiment":"positive","sentiment_score":0.41624426553326266,"channel":0,"num_words":62,"start":687.33,"end":707.5},{"sentences":[{"text":"So I'm also recommending as part of the advice that you make that small change.","start":707.5,"end":711.68,"sentiment":"positive","sentiment_score":0.4603606700897217},{"text":"And every week or fortnight, you just make that additional contribution in and out of your self employed wages.","start":711.74,"end":717.6,"sentiment":"neutral","sentiment_score":0.2896326521509572},{"text":"Okay?","start":717.81995,"end":718.215,"sentiment":"neutral","sentiment_score":0.11318303644657136}],"sentiment":"positive","sentiment_score":0.3577603851045881,"channel":0,"num_words":35,"start":707.5,"end":718.215},{"sentences":[{"text":"Yeah.","start":718.61,"end":718.85,"sentiment":"neutral","sentiment_score":0.08695685118436813},{"text":"Well, they have to you have to do that now when you pay","start":718.85,"end":722.37,"sentiment":"neutral","sentiment_score":0.04704536239688213}],"sentiment":"neutral","sentiment_score":0.049896183024559705,"channel":1,"num_words":14,"start":718.61,"end":722.37},{"sentences":[{"text":"Yeah.","start":722.05505,"end":722.55505,"sentiment":"neutral","sentiment_score":0.01735023409128189}],"sentiment":"neutral","sentiment_score":0.01735023409128189,"channel":0,"num_words":1,"start":722.05505,"end":722.55505},{"sentences":[{"text":"wages.","start":722.37,"end":722.87,"sentiment":"neutral","sentiment_score":0.011956396512687206},{"text":"Sorry.","start":723.81,"end":724.31,"sentiment":"neutral","sentiment_score":-0.004484916105866432}],"sentiment":"neutral","sentiment_score":0.003735740203410387,"channel":1,"num_words":2,"start":722.37,"end":724.31},{"sentences":[{"text":"Yeah.","start":723.815,"end":724.29504,"sentiment":"neutral","sentiment_score":0.04571987688541413},{"text":"Yeah.","start":724.29504,"end":724.53503,"sentiment":"neutral","sentiment_score":0.06760488450527191},{"text":"Comp companies are definitely supposed to.","start":724.53503,"end":726.695,"sentiment":"neutral","sentiment_score":0.11558391650517781},{"text":"I'm pretty sure for yourself, it it is best to do so as well.","start":726.695,"end":729.73505,"sentiment":"neutral","sentiment_score":0.22218351385423116},{"text":"So it","start":729.73505,"end":730.55,"sentiment":"neutral","sentiment_score":0.2109597623348236}],"sentiment":"neutral","sentiment_score":0.18080487412710985,"channel":0,"num_words":24,"start":723.815,"end":730.55},{"sentences":[{"text":"Yeah.","start":730.335,"end":730.835,"sentiment":"neutral","sentiment_score":0.23636089265346527}],"sentiment":"neutral","sentiment_score":0.23636089265346527,"channel":1,"num_words":1,"start":730.335,"end":730.835},{"sentences":[{"text":"just it works out to benefit you much greater in the long run.","start":730.55,"end":734.17,"sentiment":"positive","sentiment_score":0.4977425245138315},{"text":"Yeah.","start":734.23,"end":734.73,"sentiment":"neutral","sentiment_score":0.2033126950263977}],"sentiment":"positive","sentiment_score":0.47671182240758625,"channel":0,"num_words":14,"start":730.55,"end":734.73},{"sentences":[{"text":"Sure.","start":734.495,"end":734.995,"sentiment":"neutral","sentiment_score":0.24375641345977783},{"text":"Okay.","start":735.055,"end":735.555,"sentiment":"neutral","sentiment_score":0.29715850949287415}],"sentiment":"neutral","sentiment_score":0.270457461476326,"channel":1,"num_words":2,"start":734.495,"end":735.555},{"sentences":[{"text":"Excellent.","start":735.67,"end":736.17,"sentiment":"positive","sentiment_score":0.4992561936378479}],"sentiment":"positive","sentiment_score":0.4992561936378479,"channel":0,"num_words":1,"start":735.67,"end":736.17},{"sentences":[{"text":"Yeah.","start":735.935,"end":736.255,"sentiment":"neutral","sentiment_score":0.2807336747646332},{"text":"I'll get on that.","start":736.255,"end":737.215,"sentiment":"neutral","sentiment_score":0.2405986711382866},{"text":"I'm just","start":737.215,"end":737.955,"sentiment":"neutral","sentiment_score":0.036922432482242584}],"sentiment":"neutral","sentiment_score":0.18813903204032353,"channel":1,"num_words":7,"start":735.935,"end":737.955},{"sentences":[{"text":"That's","start":738.70996,"end":739.02997,"sentiment":"neutral","sentiment_score":-0.060752421617507935}],"sentiment":"neutral","sentiment_score":-0.060752421617507935,"channel":0,"num_words":1,"start":738.70996,"end":739.02997},{"sentences":[{"text":"a little","start":738.71,"end":739.11,"sentiment":"neutral","sentiment_score":-0.10389388352632523}],"sentiment":"neutral","sentiment_score":-0.10389388352632523,"channel":1,"num_words":2,"start":738.71,"end":739.11},{"sentences":[{"text":"okay.","start":739.02997,"end":739.52997,"sentiment":"neutral","sentiment_score":-0.14247214794158936}],"sentiment":"neutral","sentiment_score":-0.14247214794158936,"channel":0,"num_words":1,"start":739.02997,"end":739.52997},{"sentences":[{"text":"bit short at the moment.","start":739.11,"end":740.79,"sentiment":"neutral","sentiment_score":-0.19158584475517274},{"text":"It's a business, so","start":740.79,"end":742.23,"sentiment":"neutral","sentiment_score":-0.04614098649471998}],"sentiment":"neutral","sentiment_score":-0.12694368552830484,"channel":1,"num_words":9,"start":739.11,"end":742.23},{"sentences":[{"text":"Yeah.","start":741.99,"end":742.245,"sentiment":"neutral","sentiment_score":-0.03789480775594711}],"sentiment":"neutral","sentiment_score":-0.03789480775594711,"channel":0,"num_words":1,"start":741.99,"end":742.245},{"sentences":[{"text":"I","start":742.23,"end":742.31,"sentiment":"neutral","sentiment_score":-0.07823517918586731}],"sentiment":"neutral","sentiment_score":-0.07823517918586731,"channel":1,"num_words":1,"start":742.23,"end":742.31},{"sentences":[{"text":"Yeah.","start":742.245,"end":742.745,"sentiment":"neutral","sentiment_score":-0.06220125779509544}],"sentiment":"neutral","sentiment_score":-0.06220125779509544,"channel":0,"num_words":1,"start":742.245,"end":742.745},{"sentences":[{"text":"need to get some more money in the business.","start":742.31,"end":745.13,"sentiment":"neutral","sentiment_score":-0.10267139929864141}],"sentiment":"neutral","sentiment_score":-0.10267139929864141,"channel":1,"num_words":9,"start":742.31,"end":745.13},{"sentences":[{"text":"Yeah.","start":745.445,"end":745.605,"sentiment":"neutral","sentiment_score":0.03671939671039581},{"text":"Absolutely.","start":745.605,"end":746.105,"sentiment":"neutral","sentiment_score":0.05527900159358978},{"text":"No.","start":746.725,"end":746.96497,"sentiment":"neutral","sentiment_score":-0.02545801177620888},{"text":"That's","start":746.96497,"end":747.365,"sentiment":"neutral","sentiment_score":0.0027065440081059933}],"sentiment":"neutral","sentiment_score":0.017311732633970678,"channel":0,"num_words":4,"start":745.445,"end":747.365},{"sentences":[{"text":"Yeah.","start":747.19,"end":747.69,"sentiment":"neutral","sentiment_score":0.04177882522344589}],"sentiment":"neutral","sentiment_score":0.04177882522344589,"channel":1,"num_words":1,"start":747.19,"end":747.69},{"sentences":[{"text":"not a problem at all.","start":747.365,"end":748.745,"sentiment":"neutral","sentiment_score":0.13201075196266174},{"text":"Underneath that section, I'll let you have a bit of a read through it after.","start":749.125,"end":752.165,"sentiment":"neutral","sentiment_score":0.12175970921913783},{"text":"But we have the best interest duty, which essentially relates the recommendations back to your goals and why they are in your best interest.","start":752.165,"end":759.01996,"sentiment":"neutral","sentiment_score":0.20939973462373018},{"text":"I'm also recommending that we increase your risk in the portfolio and move into more of a high growth environment as well.","start":759.01996,"end":764.69995,"sentiment":"neutral","sentiment_score":0.1385967999019406},{"text":"We'll make sure we monitor that moving forward.","start":764.69995,"end":766.69995,"sentiment":"neutral","sentiment_score":0.18155883252620697}],"sentiment":"neutral","sentiment_score":0.16234653090705742,"channel":0,"num_words":74,"start":747.365,"end":766.69995},{"sentences":[{"text":"So when and if you decide you'll no longer feel that that's appropriate or you're a bit concerned about the risk level, just let us know, and we can always reduce that back if we if you need to.","start":766.69995,"end":776.565,"sentiment":"neutral","sentiment_score":0.09851149775278874},{"text":"Okay?","start":776.625,"end":777.125,"sentiment":"neutral","sentiment_score":0.0997111350297928}],"sentiment":"neutral","sentiment_score":0.09854148868471384,"channel":0,"num_words":40,"start":766.69995,"end":777.125},{"sentences":[{"text":"Yeah.","start":777.98004,"end":778.48004,"sentiment":"neutral","sentiment_score":0.2392783164978027}],"sentiment":"neutral","sentiment_score":0.2392783164978027,"channel":1,"num_words":1,"start":777.98004,"end":778.48004},{"sentences":[{"text":"Excellent.","start":779.025,"end":779.525,"sentiment":"positive","sentiment_score":0.5177419781684875}],"sentiment":"positive","sentiment_score":0.5177419781684875,"channel":0,"num_words":1,"start":779.025,"end":779.525},{"sentences":[{"text":"So I'm reading that now.","start":779.18,"end":781.18,"sentiment":"positive","sentiment_score":0.3609354317188263},{"text":"Yeah.","start":781.18,"end":781.68,"sentiment":"neutral","sentiment_score":0.25095707178115845}],"sentiment":"positive","sentiment_score":0.34260570506254834,"channel":1,"num_words":6,"start":779.18,"end":781.68},{"sentences":[{"text":"Yeah.","start":781.825,"end":782.325,"sentiment":"neutral","sentiment_score":0.3066156208515167},{"text":"All good.","start":782.625,"end":783.185,"sentiment":"positive","sentiment_score":0.508213460445404},{"text":"I've also got underneath that the advantages, disadvantages, the risks involved, and any additional considerations that we have made for you as well.","start":783.185,"end":790.97003,"sentiment":"neutral","sentiment_score":0.09172206728354744},{"text":"So any alternatives that we've considered, essentially.","start":791.03,"end":793.85004,"sentiment":"neutral","sentiment_score":0.05689766949840954},{"text":"Okay.","start":794.23004,"end":794.73004,"sentiment":"neutral","sentiment_score":0.16103620827198029}],"sentiment":"neutral","sentiment_score":0.11741088188308127,"channel":0,"num_words":34,"start":781.825,"end":794.73004},{"sentences":[{"text":"Yeah.","start":795.335,"end":795.835,"sentiment":"neutral","sentiment_score":0.240084707736969}],"sentiment":"neutral","sentiment_score":0.240084707736969,"channel":1,"num_words":1,"start":795.335,"end":795.835},{"sentences":[{"text":"Excellent.","start":796.55,"end":797.05,"sentiment":"neutral","sentiment_score":-0.003694426268339157},{"text":"When you have a rate through that and you're comfortable to move on, if I can get you to move down to page number 19 for me, I'm also recommending we do make a bit of an additional change to the investments within your super.","start":797.35004,"end":808.995,"sentiment":"neutral","sentiment_score":0.30650410585933263}],"sentiment":"neutral","sentiment_score":0.29976065950873104,"channel":0,"num_words":46,"start":796.55,"end":808.995},{"sentences":[{"text":"Mhmm.","start":813.365,"end":813.865,"sentiment":"neutral","sentiment_score":0.04812789708375931}],"sentiment":"neutral","sentiment_score":0.04812789708375931,"channel":1,"num_words":1,"start":813.365,"end":813.865},{"sentences":[{"text":"So sorry.","start":821.59,"end":822.33,"sentiment":"neutral","sentiment_score":0.013664093799889088},{"text":"Just let me know when you're when","start":824.55,"end":826.07,"sentiment":"neutral","sentiment_score":0.0069035257079771584}],"sentiment":"neutral","sentiment_score":0.008405874172846476,"channel":0,"num_words":9,"start":821.59,"end":826.07},{"sentences":[{"text":"What's","start":825.99,"end":826.49,"sentiment":"neutral","sentiment_score":0.12291940301656724}],"sentiment":"neutral","sentiment_score":0.12291940301656724,"channel":1,"num_words":1,"start":825.99,"end":826.49},{"sentences":[{"text":"you're good in your","start":826.07,"end":826.95,"sentiment":"neutral","sentiment_score":0.25815173238515854}],"sentiment":"neutral","sentiment_score":0.25815173238515854,"channel":0,"num_words":4,"start":826.07,"end":826.95},{"sentences":[{"text":"what's","start":826.95,"end":827.45,"sentiment":"neutral","sentiment_score":0.18417134881019592}],"sentiment":"neutral","sentiment_score":0.18417134881019592,"channel":1,"num_words":1,"start":826.95,"end":827.45},{"sentences":[{"text":"move down.","start":826.95,"end":827.77,"sentiment":"neutral","sentiment_score":0.14015360921621323}],"sentiment":"neutral","sentiment_score":0.14015360921621323,"channel":0,"num_words":2,"start":826.95,"end":827.77},{"sentences":[{"text":"my north consideration considered moving as to close into my north or","start":827.51,"end":834.87,"sentiment":"neutral","sentiment_score":0.02341808673615257}],"sentiment":"neutral","sentiment_score":0.02341808673615257,"channel":1,"num_words":12,"start":827.51,"end":834.87},{"sentences":[{"text":"Yeah.","start":834.585,"end":834.905,"sentiment":"neutral","sentiment_score":0.02978728711605072}],"sentiment":"neutral","sentiment_score":0.02978728711605072,"channel":0,"num_words":1,"start":834.585,"end":834.905},{"sentences":[{"text":"separately","start":834.87,"end":835.37,"sentiment":"neutral","sentiment_score":0.008806226775050163}],"sentiment":"neutral","sentiment_score":0.008806226775050163,"channel":1,"num_words":1,"start":834.87,"end":835.37},{"sentences":[{"text":"Very similar","start":834.905,"end":835.865,"sentiment":"neutral","sentiment_score":0.062068136408925056}],"sentiment":"neutral","sentiment_score":0.062068136408925056,"channel":0,"num_words":2,"start":834.905,"end":835.865},{"sentences":[{"text":"manage?","start":835.59,"end":836.09,"sentiment":"neutral","sentiment_score":0.11667005717754364}],"sentiment":"neutral","sentiment_score":0.11667005717754364,"channel":1,"num_words":1,"start":835.59,"end":836.09},{"sentences":[{"text":"to HAB 24.","start":835.865,"end":836.985,"sentiment":"neutral","sentiment_score":0.04894609500964483},{"text":"It's an adviser platform, and it has access to lots of different investment options there.","start":836.985,"end":842.28503,"sentiment":"neutral","sentiment_score":0.0818681093553702},{"text":"I did consider and look at the option of moving to another platform like my North, But, unfortunately, it came out to be too cost too expensive to do.","start":842.745,"end":851.38,"sentiment":"neutral","sentiment_score":-0.24491143945989938},{"text":"So so while they're","start":851.38,"end":852.68,"sentiment":"neutral","sentiment_score":-0.14446203783154488}],"sentiment":"neutral","sentiment_score":-0.12363568569223087,"channel":0,"num_words":51,"start":835.865,"end":852.68},{"sentences":[{"text":"Yes.","start":852.275,"end":852.775,"sentiment":"neutral","sentiment_score":-0.09086836129426956}],"sentiment":"neutral","sentiment_score":-0.09086836129426956,"channel":1,"num_words":1,"start":852.275,"end":852.775},{"sentences":[{"text":"more cheaper funds, the CGT would have cost had 24 with your super fund about over $5,000 to sell down wholly and move into my north.","start":852.74,"end":863.095,"sentiment":"neutral","sentiment_score":-0.23991126739061797},{"text":"And when you consider the contributions going in and the fees, by having","start":863.095,"end":869.01495,"sentiment":"neutral","sentiment_score":-0.26856552408291745}],"sentiment":"neutral","sentiment_score":-0.24946268628805113,"channel":0,"num_words":39,"start":852.74,"end":869.01495},{"sentences":[{"text":"Not","start":868.855,"end":869.255,"sentiment":"negative","sentiment_score":-0.4887415468692779}],"sentiment":"negative","sentiment_score":-0.4887415468692779,"channel":1,"num_words":1,"start":868.855,"end":869.255},{"sentences":[{"text":"to pay","start":869.01495,"end":869.415,"sentiment":"negative","sentiment_score":-0.6044073104858398}],"sentiment":"negative","sentiment_score":-0.6044073104858398,"channel":0,"num_words":2,"start":869.01495,"end":869.415},{"sentences":[{"text":"worth","start":869.255,"end":869.575,"sentiment":"negative","sentiment_score":-0.6604755520820618}],"sentiment":"negative","sentiment_score":-0.6604755520820618,"channel":1,"num_words":1,"start":869.255,"end":869.575},{"sentences":[{"text":"that","start":869.415,"end":869.735,"sentiment":"negative","sentiment_score":-0.6546980142593384}],"sentiment":"negative","sentiment_score":-0.6546980142593384,"channel":0,"num_words":1,"start":869.415,"end":869.735},{"sentences":[{"text":"it.","start":869.575,"end":870.075,"sentiment":"negative","sentiment_score":-0.6477500200271606}],"sentiment":"negative","sentiment_score":-0.6477500200271606,"channel":1,"num_words":1,"start":869.575,"end":870.075},{"sentences":[{"text":"CGT, it's not worth it.","start":869.735,"end":871.33496,"sentiment":"negative","sentiment_score":-0.7697640419006347},{"text":"You don't make that money back fast enough towards your retirement even in the high growth portfolios.","start":871.33496,"end":876.15497,"sentiment":"negative","sentiment_score":-0.6501429519232582},{"text":"So I","start":876.99,"end":877.39,"sentiment":"neutral","sentiment_score":-0.17786090075969696}],"sentiment":"negative","sentiment_score":-0.6357071747382482,"channel":0,"num_words":24,"start":869.735,"end":877.39},{"sentences":[{"text":"Mhmm.","start":877.095,"end":877.595,"sentiment":"neutral","sentiment_score":-0.10589829087257384}],"sentiment":"neutral","sentiment_score":-0.10589829087257384,"channel":1,"num_words":1,"start":877.095,"end":877.595},{"sentences":[{"text":"weighed up the options and did all the math and looked at it and decided it was best for you to retain Hub twenty four.","start":877.39,"end":882.51,"sentiment":"neutral","sentiment_score":-0.025525783449411393},{"text":"Yeah.","start":882.51,"end":883.01,"sentiment":"neutral","sentiment_score":0.04358315095305443}],"sentiment":"neutral","sentiment_score":-0.022867747510855015,"channel":0,"num_words":26,"start":877.39,"end":883.01},{"sentences":[{"text":"So we're on page 19.","start":884.11005,"end":885.89,"sentiment":"neutral","sentiment_score":0.045215926319360736}],"sentiment":"neutral","sentiment_score":0.045215926319360736,"channel":1,"num_words":5,"start":884.11005,"end":885.89},{"sentences":[{"text":"Yep.","start":886.75,"end":887.25,"sentiment":"neutral","sentiment_score":0.05539662763476372},{"text":"You'll","start":887.79004,"end":888.11,"sentiment":"neutral","sentiment_score":0.02579811774194241}],"sentiment":"neutral","sentiment_score":0.04059737268835306,"channel":0,"num_words":2,"start":886.75,"end":888.11},{"sentences":[{"text":"There's","start":887.87,"end":888.19,"sentiment":"neutral","sentiment_score":-0.016563057899475098}],"sentiment":"neutral","sentiment_score":-0.016563057899475098,"channel":1,"num_words":1,"start":887.87,"end":888.19},{"sentences":[{"text":"see","start":888.11,"end":888.35004,"sentiment":"neutral","sentiment_score":-0.016037922352552414}],"sentiment":"neutral","sentiment_score":-0.016037922352552414,"channel":0,"num_words":1,"start":888.11,"end":888.35004},{"sentences":[{"text":"a lot","start":888.19,"end":888.51,"sentiment":"neutral","sentiment_score":-0.0579561572521925}],"sentiment":"neutral","sentiment_score":-0.0579561572521925,"channel":1,"num_words":2,"start":888.19,"end":888.51},{"sentences":[{"text":"all","start":888.35004,"end":888.51,"sentiment":"neutral","sentiment_score":-0.056310225278139114}],"sentiment":"neutral","sentiment_score":-0.056310225278139114,"channel":0,"num_words":1,"start":888.35004,"end":888.51},{"sentences":[{"text":"of","start":888.51,"end":888.67004,"sentiment":"neutral","sentiment_score":-0.0690619945526123}],"sentiment":"neutral","sentiment_score":-0.0690619945526123,"channel":1,"num_words":1,"start":888.51,"end":888.67004},{"sentences":[{"text":"those different","start":888.51,"end":889.07,"sentiment":"neutral","sentiment_score":-0.04632227495312691}],"sentiment":"neutral","sentiment_score":-0.04632227495312691,"channel":0,"num_words":2,"start":888.51,"end":889.07},{"sentences":[{"text":"red","start":888.67004,"end":889.17004,"sentiment":"neutral","sentiment_score":-0.05378177762031555}],"sentiment":"neutral","sentiment_score":-0.05378177762031555,"channel":1,"num_words":1,"start":888.67004,"end":889.17004},{"sentences":[{"text":"investments","start":889.07,"end":889.57,"sentiment":"neutral","sentiment_score":-0.07794839143753052}],"sentiment":"neutral","sentiment_score":-0.07794839143753052,"channel":0,"num_words":1,"start":889.07,"end":889.57},{"sentences":[{"text":"a lot of red numbers","start":889.23004,"end":890.27,"sentiment":"neutral","sentiment_score":-0.0989986777305603}],"sentiment":"neutral","sentiment_score":-0.0989986777305603,"channel":1,"num_words":5,"start":889.23004,"end":890.27},{"sentences":[{"text":"there","start":890.03,"end":890.27,"sentiment":"neutral","sentiment_score":-0.08389914035797119}],"sentiment":"neutral","sentiment_score":-0.08389914035797119,"channel":0,"num_words":1,"start":890.03,"end":890.27},{"sentences":[{"text":"there,","start":890.27,"end":890.59,"sentiment":"neutral","sentiment_score":-0.01818517968058586}],"sentiment":"neutral","sentiment_score":-0.01818517968058586,"channel":1,"num_words":1,"start":890.27,"end":890.59},{"sentences":[{"text":"is.","start":890.27,"end":890.77,"sentiment":"neutral","sentiment_score":-0.06853277236223221}],"sentiment":"neutral","sentiment_score":-0.06853277236223221,"channel":0,"num_words":1,"start":890.27,"end":890.77},{"sentences":[{"text":"mate.","start":890.59,"end":890.91003,"sentiment":"neutral","sentiment_score":-0.008446911349892616},{"text":"What's going on with them?","start":890.91003,"end":892.45,"sentiment":"neutral","sentiment_score":-0.018564822524785994}],"sentiment":"neutral","sentiment_score":-0.0168785039956371,"channel":1,"num_words":6,"start":890.59,"end":892.45},{"sentences":[{"text":"There is.","start":892.215,"end":893.275,"sentiment":"neutral","sentiment_score":-0.001500365324318409},{"text":"Absolutely.","start":893.335,"end":893.835,"sentiment":"neutral","sentiment_score":0.07838903367519379},{"text":"So those red numbers are the numbers that we're going to sell.","start":894.215,"end":896.775,"sentiment":"neutral","sentiment_score":-0.03860241717969378},{"text":"So you'll see on the side here, you've got your SeaBus Super.","start":896.775,"end":899.675,"sentiment":"neutral","sentiment_score":0.06426534460236628},{"text":"We're gonna retain that exactly as it is for the moment, but the goal is to continuously achieve be moving money out of c bus and into hub 24.","start":899.735,"end":907.61,"sentiment":"neutral","sentiment_score":0.17516535083795415}],"sentiment":"neutral","sentiment_score":0.0975560465428446,"channel":0,"num_words":56,"start":892.215,"end":907.61},{"sentences":[{"text":"So I'll review, obviously, your balance each year, and we'll make sure we do regular rollovers.","start":908.14996,"end":913.44995,"sentiment":"neutral","sentiment_score":0.01493529905565083},{"text":"For this particular moment, it's only, like, a thousand $1,253 we'd be rolling out of.","start":913.58997,"end":920.40497,"sentiment":"neutral","sentiment_score":-0.21300641397635142},{"text":"It doesn't sort of work make it worthwhile right","start":920.545,"end":922.785,"sentiment":"negative","sentiment_score":-0.5738019314077165}],"sentiment":"neutral","sentiment_score":-0.20300872018560767,"channel":0,"num_words":40,"start":908.14996,"end":922.785},{"sentences":[{"text":"Yeah.","start":922.56,"end":923.06,"sentiment":"neutral","sentiment_score":-0.0901315212249756}],"sentiment":"neutral","sentiment_score":-0.0901315212249756,"channel":1,"num_words":1,"start":922.56,"end":923.06},{"sentences":[{"text":"now, so I'm gonna hold off on doing a rollover now.","start":922.785,"end":925.745,"sentiment":"neutral","sentiment_score":-0.05973605303601785},{"text":"We'll do that when we do a catch up, and I'll reassess your balance then.","start":925.745,"end":929.205,"sentiment":"neutral","sentiment_score":-0.0045552857841054594},{"text":"But in HUB twenty four, in order to move into more that high growth environment, we needed to reassess the investments.","start":929.265,"end":934.5833,"sentiment":"neutral","sentiment_score":-0.0654346023996671},{"text":"And I had found that some of them in your old portfolio were underperforming and needed to be altered and changed.","start":934.5833,"end":940.42834,"sentiment":"negative","sentiment_score":-0.3986273826587768},{"text":"So the red that you've been looking at is what we're gonna be selling down.","start":940.42834,"end":944.72504,"sentiment":"negative","sentiment_score":-0.35813492933909097}],"sentiment":"neutral","sentiment_score":-0.19087652405387306,"channel":0,"num_words":83,"start":922.785,"end":944.72504},{"sentences":[{"text":"So we are gonna be selling off the battery and lithium tax, the Ben along Australian Equities, which has been underperforming and not doing very well for your fund.","start":944.72504,"end":953.065,"sentiment":"negative","sentiment_score":-0.41203754369554846},{"text":"The bank hybrids, that sort of investment is actually gonna be phased out by the government, so we need to remove that from your portfolio now.","start":953.685,"end":961.23,"sentiment":"negative","sentiment_score":-0.3819574954418036},{"text":"The China","start":962.17,"end":962.81,"sentiment":"neutral","sentiment_score":-0.1751575469970703}],"sentiment":"negative","sentiment_score":-0.39000524109915685,"channel":0,"num_words":57,"start":944.72504,"end":962.81},{"sentences":[{"text":"Good.","start":962.435,"end":962.935,"sentiment":"neutral","sentiment_score":-0.11092352122068404}],"sentiment":"neutral","sentiment_score":-0.11092352122068404,"channel":1,"num_words":1,"start":962.435,"end":962.935},{"sentences":[{"text":"new economy hasn't been performing as well as it should have been.","start":962.81,"end":966.35,"sentiment":"neutral","sentiment_score":-0.2455574062963327},{"text":"And your physical gold is doing very well and is great, but we need to just reduce it back a little bit.","start":966.57,"end":972.26495,"sentiment":"neutral","sentiment_score":-0.19304003498770975},{"text":"So we only wanna hold 7% of physical gold.","start":972.26495,"end":975.245,"sentiment":"neutral","sentiment_score":-0.07669939597447713},{"text":"You've currently got 9% there at the moment, so we just wanna cement some of the gains and redistribute those across your portfolio for you.","start":975.305,"end":982.925,"sentiment":"neutral","sentiment_score":0.10948168456554414},{"text":"You only wanna hold about 77% of physical gold in your portfolio.","start":983.065,"end":987.565,"sentiment":"neutral","sentiment_score":0.020373339764773846}],"sentiment":"neutral","sentiment_score":-0.06127927522175014,"channel":0,"num_words":80,"start":962.81,"end":987.565},{"sentences":[{"text":"The beta share cybersecurity, we only wanna hold about 6% in your portfolio.","start":989.27997,"end":994.25995,"sentiment":"neutral","sentiment_score":-0.013185375441725437},{"text":"You kinda got 8.24%, so we wanna sell some of that and just rebalance you back a little bit there as well.","start":994.31995,"end":1001.06,"sentiment":"neutral","sentiment_score":-0.06119118901816281},{"text":"The s and p five hundred is the top 500 companies in The US.","start":1002.0,"end":1005.825,"sentiment":"neutral","sentiment_score":-0.013024492987564631},{"text":"We wanna hold about 35% of your portfolio.","start":1005.825,"end":1008.565,"sentiment":"neutral","sentiment_score":0.0013568941503763199},{"text":"You're a bit underweighted at the moment, so we wanna bring that exposure up a little bit and buy just over $4,000 of the s and p five hundred.","start":1008.945,"end":1017.365,"sentiment":"neutral","sentiment_score":-0.1251418224439539}],"sentiment":"neutral","sentiment_score":-0.06183972835627406,"channel":0,"num_words":86,"start":989.27997,"end":1017.365},{"sentences":[{"text":"And then with the VanEck Australian property, property is having a bit of a pullback.","start":1018.11,"end":1022.19,"sentiment":"neutral","sentiment_score":-0.26933782498041786},{"text":"We wanna remove that solely from your portfolio.","start":1022.19,"end":1024.53,"sentiment":"neutral","sentiment_score":-0.2634193077683449},{"text":"Whilst it has provided good returns, our property is having a bit of a pullback with the changes of legislation at the moment, so it is","start":1024.59,"end":1031.0249,"sentiment":"neutral","sentiment_score":-0.2615910920386131}],"sentiment":"neutral","sentiment_score":-0.2642610250991218,"channel":0,"num_words":49,"start":1018.11,"end":1031.0249},{"sentences":[{"text":"Sure.","start":1030.88,"end":1031.38,"sentiment":"neutral","sentiment_score":-0.07686448097229004}],"sentiment":"neutral","sentiment_score":-0.07686448097229004,"channel":1,"num_words":1,"start":1030.88,"end":1031.38},{"sentences":[{"text":"worth removing that wholly from your from your portfolio.","start":1031.0249,"end":1033.9249,"sentiment":"negative","sentiment_score":-0.35932375987370807},{"text":"And because we're removing the Ben along Australian equities, we're also removing the Raffy a 200 there.","start":1034.5449,"end":1040.1449,"sentiment":"neutral","sentiment_score":-0.10502268856062609},{"text":"That investment is more it's more of an expensive kind of investment to have, and we found a way to provide greater diversification to hold Australian equities, but also make your portfolio cheaper for you as well.","start":1040.1449,"end":1052.39,"sentiment":"neutral","sentiment_score":-0.0005041528996583578},{"text":"So we're gonna sell that investment down.","start":1052.39,"end":1054.7301,"sentiment":"neutral","sentiment_score":-0.06739884561726026},{"text":"Okay?","start":1054.79,"end":1055.29,"sentiment":"neutral","sentiment_score":0.00652757752686739}],"sentiment":"neutral","sentiment_score":-0.0775101062461314,"channel":0,"num_words":71,"start":1031.0249,"end":1055.29},{"sentences":[{"text":"Okay.","start":1056.13,"end":1056.63,"sentiment":"neutral","sentiment_score":0.032340969890356064}],"sentiment":"neutral","sentiment_score":0.032340969890356064,"channel":1,"num_words":1,"start":1056.13,"end":1056.63},{"sentences":[{"text":"Once we complete all of those sales, we'll still hold about 7% of physical gold.","start":1057.095,"end":1062.535,"sentiment":"neutral","sentiment_score":0.0941002701719602},{"text":"We'll still hold about 6% in cybersecurity.","start":1062.535,"end":1064.955,"sentiment":"neutral","sentiment_score":0.09437138906547002},{"text":"We'll still hold about 35% of the s and p 500, and we're gonna buy into some Europe and Japanese exposure.","start":1065.575,"end":1072.48,"sentiment":"neutral","sentiment_score":0.10798385136184238},{"text":"So you hold 9% of European and 5% of Japanese.","start":1072.48,"end":1076.82,"sentiment":"neutral","sentiment_score":0.12611948177218438},{"text":"The Europe exposure is giving you access to all 16 European countries.","start":1077.2,"end":1081.2,"sentiment":"neutral","sentiment_score":0.2515285598735015}],"sentiment":"neutral","sentiment_score":0.13260464908984992,"channel":0,"num_words":65,"start":1057.095,"end":1081.2},{"sentences":[{"text":"They're giving you great diversification across the globe, and Japan has seen some really good growth there as well.","start":1081.2,"end":1087.235,"sentiment":"positive","sentiment_score":0.5353878767866838},{"text":"So we wanna hold 5% of that.","start":1087.235,"end":1089.495,"sentiment":"neutral","sentiment_score":0.21802793443202972},{"text":"On the next page, if you scroll down, you'll see the Vanguard or World ex US.","start":1090.5149,"end":1095.1549,"sentiment":"neutral","sentiment_score":0.03814967360813171},{"text":"So this is essentially giving you exposure to the entire globe minus The US market because we have the S and P 500 above there.","start":1095.1549,"end":1103.3,"sentiment":"neutral","sentiment_score":0.07041954711079597},{"text":"And this","start":1103.52,"end":1103.8401,"sentiment":"neutral","sentiment_score":0.16664551943540573}],"sentiment":"neutral","sentiment_score":0.20873535788901473,"channel":0,"num_words":69,"start":1081.2,"end":1103.8401},{"sentences":[{"text":"Yep.","start":1103.705,"end":1104.205,"sentiment":"neutral","sentiment_score":0.23288826644420624}],"sentiment":"neutral","sentiment_score":0.23288826644420624,"channel":1,"num_words":1,"start":1103.705,"end":1104.205},{"sentences":[{"text":"is giving you greater diversification in a cost effective investment, and we wanna hold 8% of that for you.","start":1103.8401,"end":1110.5801,"sentiment":"neutral","sentiment_score":0.22180409807907908},{"text":"We still need to some Australian exposure, and we are removing the Rafi plus the Benelon because the Benelon has been underperforming, and we're gonna hold the beta shares a 200.","start":1111.28,"end":1121.725,"sentiment":"neutral","sentiment_score":-0.025583857009487766},{"text":"This is giving you exposure to the top 200 companies on ASX, and we wanna hold 25% of that investment for you.","start":1121.725,"end":1130.12,"sentiment":"neutral","sentiment_score":0.12065802904015238},{"text":"One of the cool things, the a 200 actually is a very good dividend pay.","start":1130.66,"end":1134.5801,"sentiment":"positive","sentiment_score":0.572877577940623},{"text":"It's one of the highest dividend paying Australian stocks.","start":1134.5801,"end":1138.2949,"sentiment":"positive","sentiment_score":0.5758320821656121}],"sentiment":"neutral","sentiment_score":0.20678445149678737,"channel":0,"num_words":96,"start":1103.8401,"end":1138.2949},{"sentences":[{"text":"So it'll be good.","start":1138.595,"end":1139.715,"sentiment":"positive","sentiment_score":0.6688077002763748},{"text":"It'll help you with a bit of income producing within your portfolio, but it's also a much cheaper option to hold Australian equities for you.","start":1139.715,"end":1147.975,"sentiment":"positive","sentiment_score":0.5103900587558746},{"text":"Okay?","start":1148.115,"end":1148.615,"sentiment":"neutral","sentiment_score":0.1959343254566193}],"sentiment":"positive","sentiment_score":0.5210305531819661,"channel":0,"num_words":30,"start":1138.595,"end":1148.615},{"sentences":[{"text":"Yeah.","start":1149.235,"end":1149.735,"sentiment":"neutral","sentiment_score":0.2670254111289978},{"text":"Good.","start":1149.875,"end":1150.375,"sentiment":"positive","sentiment_score":0.37566328048706055}],"sentiment":"neutral","sentiment_score":0.3213443458080292,"channel":1,"num_words":2,"start":1149.235,"end":1150.375},{"sentences":[{"text":"And then we've got core composite bonds.","start":1150.26,"end":1152.3401,"sentiment":"neutral","sentiment_score":0.14430773950048856},{"text":"So it's important that we have defensive investments with the high growth environment you wanna be in.","start":1152.3401,"end":1157.62,"sentiment":"neutral","sentiment_score":0.20152404290788314},{"text":"We only wanna hold about sort of five to 10% of defensive investments.","start":1157.62,"end":1162.28,"sentiment":"neutral","sentiment_score":0.13543247431516647},{"text":"The idea is we have most of our money sitting in those growth investments trying to obtain greater growth there.","start":1162.5801,"end":1168.215,"sentiment":"neutral","sentiment_score":0.18134882636368274},{"text":"So we're just holding about 5% of core composite bonds to give you some defensive exposure as well.","start":1168.5149,"end":1174.695,"sentiment":"neutral","sentiment_score":0.20869940684901345}],"sentiment":"neutral","sentiment_score":0.1810700123012066,"channel":0,"num_words":75,"start":1150.26,"end":1174.695},{"sentences":[{"text":"Okay?","start":1174.835,"end":1175.335,"sentiment":"neutral","sentiment_score":0.12336355447769164},{"text":"So that is essentially the changes I wanna make to your portfolio there.","start":1176.595,"end":1180.26,"sentiment":"neutral","sentiment_score":0.17144574224948883},{"text":"I'll show you the reasoning behind that in a second.","start":1180.26,"end":1182.8201,"sentiment":"neutral","sentiment_score":0.12493462488055229},{"text":"But underneath that table, you also see within hub twenty four, you've got about 11","start":1182.8201,"end":1187.46,"sentiment":"neutral","sentiment_score":0.0806060940027237}],"sentiment":"neutral","sentiment_score":0.1233486118607032,"channel":0,"num_words":39,"start":1174.835,"end":1187.46},{"sentences":[{"text":"Yep.","start":1187.075,"end":1187.575,"sentiment":"neutral","sentiment_score":0.04558940976858139}],"sentiment":"neutral","sentiment_score":0.04558940976858139,"channel":1,"num_words":1,"start":1187.075,"end":1187.575},{"sentences":[{"text":"thousand sitting in cash there at the moment.","start":1187.46,"end":1189.72,"sentiment":"neutral","sentiment_score":0.0490854331292212},{"text":"You have a bit more cash than I would realistically like.","start":1189.9401,"end":1192.74,"sentiment":"neutral","sentiment_score":0.03845450620759617},{"text":"We only wanna hold minimum cash.","start":1192.74,"end":1194.755,"sentiment":"neutral","sentiment_score":0.092123548189799},{"text":"We wanna have as much money invested in your portfolio as possible, so we're gonna reinvest about $8,581 of that for you.","start":1194.755,"end":1203.735,"sentiment":"neutral","sentiment_score":0.18746766651218588},{"text":"Okay?","start":1203.795,"end":1204.295,"sentiment":"neutral","sentiment_score":0.11765380203723907}],"sentiment":"neutral","sentiment_score":0.11688264141169687,"channel":0,"num_words":48,"start":1187.46,"end":1204.295},{"sentences":[{"text":"Okay.","start":1205.0,"end":1205.5,"sentiment":"neutral","sentiment_score":0.2752858102321625}],"sentiment":"neutral","sentiment_score":0.2752858102321625,"channel":1,"num_words":1,"start":1205.0,"end":1205.5},{"sentences":[{"text":"Excellent.","start":1205.955,"end":1206.455,"sentiment":"positive","sentiment_score":0.5621987581253052}],"sentiment":"positive","sentiment_score":0.5621987581253052,"channel":0,"num_words":1,"start":1205.955,"end":1206.455},{"sentences":[{"text":"So what if I was to say to you, you know, what have you done in the last twelve months?","start":1206.485,"end":1213.9451,"sentiment":"neutral","sentiment_score":0.12639495134353637},{"text":"Yeah.","start":1214.645,"end":1214.885,"sentiment":"neutral","sentiment_score":0.04215023294091225},{"text":"How much money have you made for me?","start":1214.885,"end":1217.145,"sentiment":"neutral","sentiment_score":0.029287737095728517}],"sentiment":"neutral","sentiment_score":0.09670176401991269,"channel":1,"num_words":29,"start":1206.485,"end":1217.145},{"sentences":[{"text":"Yeah.","start":1217.6,"end":1218.08,"sentiment":"neutral","sentiment_score":0.011696064844727516}],"sentiment":"neutral","sentiment_score":0.011696064844727516,"channel":0,"num_words":1,"start":1217.6,"end":1218.08},{"sentences":[{"text":"That's","start":1217.925,"end":1218.165,"sentiment":"neutral","sentiment_score":-0.0025422486942261457}],"sentiment":"neutral","sentiment_score":-0.0025422486942261457,"channel":1,"num_words":1,"start":1217.925,"end":1218.165},{"sentences":[{"text":"I","start":1218.08,"end":1218.24,"sentiment":"neutral","sentiment_score":-0.016302619129419327}],"sentiment":"neutral","sentiment_score":-0.016302619129419327,"channel":0,"num_words":1,"start":1218.08,"end":1218.24},{"sentences":[{"text":"a","start":1218.165,"end":1218.245,"sentiment":"neutral","sentiment_score":-0.01864575780928135}],"sentiment":"neutral","sentiment_score":-0.01864575780928135,"channel":1,"num_words":1,"start":1218.165,"end":1218.245},{"sentences":[{"text":"can","start":1218.24,"end":1218.4,"sentiment":"neutral","sentiment_score":-0.025447791442275047}],"sentiment":"neutral","sentiment_score":-0.025447791442275047,"channel":0,"num_words":1,"start":1218.24,"end":1218.4},{"sentences":[{"text":"question,","start":1218.245,"end":1218.7251,"sentiment":"neutral","sentiment_score":-0.02598174288868904}],"sentiment":"neutral","sentiment_score":-0.02598174288868904,"channel":1,"num_words":1,"start":1218.245,"end":1218.7251},{"sentences":[{"text":"give you","start":1218.4,"end":1218.735,"sentiment":"neutral","sentiment_score":-0.02573365718126297}],"sentiment":"neutral","sentiment_score":-0.02573365718126297,"channel":0,"num_words":2,"start":1218.4,"end":1218.735},{"sentences":[{"text":"isn't it?","start":1218.7251,"end":1219.285,"sentiment":"neutral","sentiment_score":-0.02492657210677862},{"text":"Because I know you guys might charge fees and everything.","start":1219.285,"end":1223.1901,"sentiment":"neutral","sentiment_score":-0.07173402309417724},{"text":"And I think I when I started, it was $4.5 or something to start up with you.","start":1224.21,"end":1231.01,"sentiment":"neutral","sentiment_score":-0.042621214271468276},{"text":"So","start":1231.01,"end":1231.51,"sentiment":"neutral","sentiment_score":-0.04241378605365753}],"sentiment":"neutral","sentiment_score":-0.051138926794131595,"channel":1,"num_words":30,"start":1218.7251,"end":1231.51},{"sentences":[{"text":"that.","start":1231.455,"end":1231.955,"sentiment":"neutral","sentiment_score":-0.04429363086819649}],"sentiment":"neutral","sentiment_score":-0.04429363086819649,"channel":0,"num_words":1,"start":1231.455,"end":1231.955},{"sentences":[{"text":"no","start":1231.97,"end":1232.13,"sentiment":"neutral","sentiment_score":-0.0533393919467926}],"sentiment":"neutral","sentiment_score":-0.0533393919467926,"channel":1,"num_words":1,"start":1231.97,"end":1232.13},{"sentences":[{"text":"Yeah.","start":1232.095,"end":1232.31,"sentiment":"neutral","sentiment_score":-0.062413930892944336}],"sentiment":"neutral","sentiment_score":-0.062413930892944336,"channel":0,"num_words":1,"start":1232.095,"end":1232.31},{"sentences":[{"text":"one's actually told me or informed me of, yeah, I don't know how my soup is going","start":1232.13,"end":1238.525,"sentiment":"neutral","sentiment_score":-0.11032569189282025}],"sentiment":"neutral","sentiment_score":-0.11032569189282025,"channel":1,"num_words":17,"start":1232.13,"end":1238.525},{"sentences":[{"text":"That's","start":1238.8701,"end":1239.1901,"sentiment":"neutral","sentiment_score":0.004187877289950848}],"sentiment":"neutral","sentiment_score":0.004187877289950848,"channel":0,"num_words":1,"start":1238.8701,"end":1239.1901},{"sentences":[{"text":"in","start":1239.145,"end":1239.385,"sentiment":"neutral","sentiment_score":6.847083568572998e-6}],"sentiment":"neutral","sentiment_score":6.847083568572998e-6,"channel":1,"num_words":1,"start":1239.145,"end":1239.385},{"sentences":[{"text":"okay.","start":1239.1901,"end":1239.6901,"sentiment":"neutral","sentiment_score":0.04912497848272323}],"sentiment":"neutral","sentiment_score":0.04912497848272323,"channel":0,"num_words":1,"start":1239.1901,"end":1239.6901},{"sentences":[{"text":"fact.","start":1239.385,"end":1239.885,"sentiment":"neutral","sentiment_score":0.04406452924013138}],"sentiment":"neutral","sentiment_score":0.04406452924013138,"channel":1,"num_words":1,"start":1239.385,"end":1239.885},{"sentences":[{"text":"I","start":1240.31,"end":1240.4701,"sentiment":"neutral","sentiment_score":0.04677458852529526}],"sentiment":"neutral","sentiment_score":0.04677458852529526,"channel":0,"num_words":1,"start":1240.31,"end":1240.4701},{"sentences":[{"text":"Yes.","start":1240.425,"end":1240.825,"sentiment":"neutral","sentiment_score":0.089620441198349}],"sentiment":"neutral","sentiment_score":0.089620441198349,"channel":1,"num_words":1,"start":1240.425,"end":1240.825},{"sentences":[{"text":"can give","start":1240.4701,"end":1240.9501,"sentiment":"neutral","sentiment_score":0.03579213935881853}],"sentiment":"neutral","sentiment_score":0.03579213935881853,"channel":0,"num_words":2,"start":1240.4701,"end":1240.9501},{"sentences":[{"text":"So","start":1240.825,"end":1241.225,"sentiment":"neutral","sentiment_score":0.0521017424762249}],"sentiment":"neutral","sentiment_score":0.0521017424762249,"channel":1,"num_words":1,"start":1240.825,"end":1241.225},{"sentences":[{"text":"you","start":1240.9501,"end":1241.1101,"sentiment":"neutral","sentiment_score":0.07856215536594391}],"sentiment":"neutral","sentiment_score":0.07856215536594391,"channel":0,"num_words":1,"start":1240.9501,"end":1241.1101},{"sentences":[{"text":"that's","start":1241.225,"end":1241.465,"sentiment":"neutral","sentiment_score":0.08493958413600922}],"sentiment":"neutral","sentiment_score":0.08493958413600922,"channel":1,"num_words":1,"start":1241.225,"end":1241.465},{"sentences":[{"text":"I can","start":1241.27,"end":1241.5901,"sentiment":"neutral","sentiment_score":0.09456119686365128}],"sentiment":"neutral","sentiment_score":0.09456119686365128,"channel":0,"num_words":2,"start":1241.27,"end":1241.5901},{"sentences":[{"text":"what","start":1241.465,"end":1241.705,"sentiment":"neutral","sentiment_score":0.07612122595310211}],"sentiment":"neutral","sentiment_score":0.07612122595310211,"channel":1,"num_words":1,"start":1241.465,"end":1241.705},{"sentences":[{"text":"go","start":1241.5901,"end":1241.75,"sentiment":"neutral","sentiment_score":0.056059498339891434}],"sentiment":"neutral","sentiment_score":0.056059498339891434,"channel":0,"num_words":1,"start":1241.5901,"end":1241.75},{"sentences":[{"text":"I","start":1241.705,"end":1241.865,"sentiment":"neutral","sentiment_score":0.04587994143366814}],"sentiment":"neutral","sentiment_score":0.04587994143366814,"channel":1,"num_words":1,"start":1241.705,"end":1241.865},{"sentences":[{"text":"in","start":1241.75,"end":1241.91,"sentiment":"neutral","sentiment_score":0.026584889739751816}],"sentiment":"neutral","sentiment_score":0.026584889739751816,"channel":0,"num_words":1,"start":1241.75,"end":1241.91},{"sentences":[{"text":"wouldn't","start":1241.865,"end":1242.1849,"sentiment":"neutral","sentiment_score":0.022958561778068542}],"sentiment":"neutral","sentiment_score":0.022958561778068542,"channel":1,"num_words":1,"start":1241.865,"end":1242.1849},{"sentences":[{"text":"there","start":1241.91,"end":1242.2301,"sentiment":"neutral","sentiment_score":-0.009355317801237106}],"sentiment":"neutral","sentiment_score":-0.009355317801237106,"channel":0,"num_words":1,"start":1241.91,"end":1242.2301},{"sentences":[{"text":"mind","start":1242.1849,"end":1242.6849,"sentiment":"neutral","sentiment_score":0.003384910523891449}],"sentiment":"neutral","sentiment_score":0.003384910523891449,"channel":1,"num_words":1,"start":1242.1849,"end":1242.6849},{"sentences":[{"text":"now.","start":1242.2301,"end":1242.7301,"sentiment":"neutral","sentiment_score":0.010351428762078283}],"sentiment":"neutral","sentiment_score":0.010351428762078283,"channel":0,"num_words":1,"start":1242.2301,"end":1242.7301},{"sentences":[{"text":"knowing.","start":1242.745,"end":1243.245,"sentiment":"neutral","sentiment_score":0.012767811305820942}],"sentiment":"neutral","sentiment_score":0.012767811305820942,"channel":1,"num_words":1,"start":1242.745,"end":1243.245},{"sentences":[{"text":"Yeah.","start":1243.5901,"end":1243.91,"sentiment":"neutral","sentiment_score":0.08491189777851105},{"text":"Absolutely.","start":1243.91,"end":1244.41,"sentiment":"neutral","sentiment_score":0.1289559304714203}],"sentiment":"neutral","sentiment_score":0.10693391412496567,"channel":0,"num_words":2,"start":1243.5901,"end":1244.41},{"sentences":[{"text":"Yeah.","start":1244.105,"end":1244.605,"sentiment":"neutral","sentiment_score":0.09173662960529327}],"sentiment":"neutral","sentiment_score":0.09173662960529327,"channel":1,"num_words":1,"start":1244.105,"end":1244.605},{"sentences":[{"text":"Let's have a look now.","start":1244.63,"end":1245.5901,"sentiment":"neutral","sentiment_score":0.08423965126276016},{"text":"So I'm just pulling up the report for you to have a look now.","start":1245.5901,"end":1249.5349,"sentiment":"neutral","sentiment_score":0.07265457750431129},{"text":"Last year.","start":1250.7949,"end":1251.855,"sentiment":"neutral","sentiment_score":-0.012364858761429787},{"text":"Sorry.","start":1255.195,"end":1255.595,"sentiment":"neutral","sentiment_score":-0.015969999134540558},{"text":"Won't be a second.","start":1255.595,"end":1256.475,"sentiment":"neutral","sentiment_score":0.005414989311248064}],"sentiment":"neutral","sentiment_score":0.05458933007545196,"channel":0,"num_words":26,"start":1244.63,"end":1256.475},{"sentences":[{"text":"Just loading the report for you.","start":1256.475,"end":1258.4149,"sentiment":"neutral","sentiment_score":0.16043115903933844},{"text":"Beautiful.","start":1259.755,"end":1260.255,"sentiment":"positive","sentiment_score":0.4743393659591675},{"text":"So when we look at everything as a whole, over the last twelve months, your portfolio and it's important to note that with the amount of volatility we have seen, with everything you've seen going on with the US war this year, there has been","start":1260.76,"end":1274.6799,"sentiment":"neutral","sentiment_score":0.02742011772675647}],"sentiment":"neutral","sentiment_score":0.05136214649806229,"channel":0,"num_words":52,"start":1256.475,"end":1274.6799},{"sentences":[{"text":"Yes.","start":1274.485,"end":1274.985,"sentiment":"neutral","sentiment_score":-0.009085116907954216}],"sentiment":"neutral","sentiment_score":-0.009085116907954216,"channel":1,"num_words":1,"start":1274.485,"end":1274.985},{"sentences":[{"text":"a lot of ups and downs there.","start":1274.6799,"end":1276.245,"sentiment":"neutral","sentiment_score":-0.04612966414008822},{"text":"But as a","start":1276.325,"end":1276.725,"sentiment":"neutral","sentiment_score":0.06282137085994084}],"sentiment":"neutral","sentiment_score":-0.013444353640079499,"channel":0,"num_words":10,"start":1274.6799,"end":1276.725},{"sentences":[{"text":"Sure.","start":1276.725,"end":1277.225,"sentiment":"neutral","sentiment_score":0.02268657274544239}],"sentiment":"neutral","sentiment_score":0.02268657274544239,"channel":1,"num_words":1,"start":1276.725,"end":1277.225},{"sentences":[{"text":"whole, your portfolio has made about 4.45% net of fees after all fees have been considered.","start":1276.725,"end":1283.145,"sentiment":"positive","sentiment_score":0.3743910100311041},{"text":"So you have definitely had a good positive return for the year.","start":1283.205,"end":1286.325,"sentiment":"positive","sentiment_score":0.8039095302422842},{"text":"It is lower than where we'd expect.","start":1286.325,"end":1288.105,"sentiment":"positive","sentiment_score":0.3526418762547629},{"text":"A lot of that is because Bennelong has been underperforming there and, obviously, with what's been happening globally with the Iran and the US war there.","start":1288.58,"end":1296.52,"sentiment":"neutral","sentiment_score":0.08797528981589355},{"text":"But you have definitely made a 4.45 return after fees.","start":1296.8201,"end":1300.9,"sentiment":"positive","sentiment_score":0.555689862370491}],"sentiment":"positive","sentiment_score":0.365491828395867,"channel":0,"num_words":71,"start":1276.725,"end":1300.9},{"sentences":[{"text":"So it does mean your portfolio is still working the same direction.","start":1300.9,"end":1304.3949,"sentiment":"positive","sentiment_score":0.5291221539179484},{"text":"Because contributions do go into C bus, this is just what the portfolio has been able to do.","start":1304.855,"end":1310.375,"sentiment":"positive","sentiment_score":0.5358270042472415},{"text":"So even with everything going on, it's come out with a positive return, which is good.","start":1310.375,"end":1315.59,"sentiment":"positive","sentiment_score":0.7384989894926548}],"sentiment":"positive","sentiment_score":0.6045725164206132,"channel":0,"num_words":46,"start":1300.9,"end":1315.59},{"sentences":[{"text":"I mean, yeah, what I wonder or ask","start":1316.89,"end":1320.4099,"sentiment":"neutral","sentiment_score":0.09480862435884774}],"sentiment":"neutral","sentiment_score":0.09480862435884774,"channel":1,"num_words":8,"start":1316.89,"end":1320.4099},{"sentences":[{"text":"Yeah.","start":1320.15,"end":1320.65,"sentiment":"neutral","sentiment_score":0.03150177747011185}],"sentiment":"neutral","sentiment_score":0.03150177747011185,"channel":0,"num_words":1,"start":1320.15,"end":1320.65},{"sentences":[{"text":"is, you know, when Cbus or some of them say, oh, we can make it 9%.","start":1320.4099,"end":1326.395,"sentiment":"neutral","sentiment_score":0.05185989767778665}],"sentiment":"neutral","sentiment_score":0.05185989767778665,"channel":1,"num_words":16,"start":1320.4099,"end":1326.395},{"sentences":[{"text":"Mhmm.","start":1326.95,"end":1327.45,"sentiment":"neutral","sentiment_score":0.01898873411118984}],"sentiment":"neutral","sentiment_score":0.01898873411118984,"channel":0,"num_words":1,"start":1326.95,"end":1327.45},{"sentences":[{"text":"Yeah.","start":1327.015,"end":1327.335,"sentiment":"neutral","sentiment_score":0.018314704298973083},{"text":"Should I just have my money in another place, like, four I know we've had a lot of drama, but, you know, what's bank interest at the moment?","start":1327.335,"end":1337.27,"sentiment":"neutral","sentiment_score":-0.004351337997442377},{"text":"Five?","start":1337.89,"end":1338.39,"sentiment":"neutral","sentiment_score":0.006487345788627863}],"sentiment":"neutral","sentiment_score":-0.003234513794692854,"channel":1,"num_words":30,"start":1327.015,"end":1338.39},{"sentences":[{"text":"Bank interest, yeah, bank bank interest is middle of the range at the moment, around about a sort of four to 5% return depending on who you're with and what you're","start":1338.165,"end":1346.99,"sentiment":"neutral","sentiment_score":0.05035621955269767}],"sentiment":"neutral","sentiment_score":0.05035621955269767,"channel":0,"num_words":31,"start":1338.165,"end":1346.99},{"sentences":[{"text":"Yes.","start":1346.85,"end":1347.35,"sentiment":"neutral","sentiment_score":0.04217224195599556}],"sentiment":"neutral","sentiment_score":0.04217224195599556,"channel":1,"num_words":1,"start":1346.85,"end":1347.35},{"sentences":[{"text":"doing.","start":1346.99,"end":1347.49,"sentiment":"neutral","sentiment_score":0.036031365394592285},{"text":"But you're","start":1347.63,"end":1348.03,"sentiment":"neutral","sentiment_score":0.029448035173118114}],"sentiment":"neutral","sentiment_score":0.03164247858027617,"channel":0,"num_words":3,"start":1346.99,"end":1348.03},{"sentences":[{"text":"Yeah.","start":1347.97,"end":1348.47,"sentiment":"neutral","sentiment_score":0.03142767399549484}],"sentiment":"neutral","sentiment_score":0.03142767399549484,"channel":1,"num_words":1,"start":1347.97,"end":1348.47},{"sentences":[{"text":"also paying about 9% in you know, between six to 9% in mortgage rates as well.","start":1348.03,"end":1353.15,"sentiment":"neutral","sentiment_score":0.0374875795096159},{"text":"So the mortgages are much higher.","start":1353.15,"end":1355.5701,"sentiment":"neutral","sentiment_score":0.02359641467531522},{"text":"And when you consider the cash rate there, it is definitely a lot lower than what you are paying in interest.","start":1356.015,"end":1361.395,"sentiment":"neutral","sentiment_score":0.028719702912938027},{"text":"I'm","start":1362.095,"end":1362.3351,"sentiment":"neutral","sentiment_score":0.02304737828671932}],"sentiment":"neutral","sentiment_score":0.031080474992367355,"channel":0,"num_words":44,"start":1348.03,"end":1362.3351},{"sentences":[{"text":"Right.","start":1362.205,"end":1362.705,"sentiment":"neutral","sentiment_score":0.039378464221954346}],"sentiment":"neutral","sentiment_score":0.039378464221954346,"channel":1,"num_words":1,"start":1362.205,"end":1362.705},{"sentences":[{"text":"just pulling out.","start":1362.3351,"end":1363.215,"sentiment":"neutral","sentiment_score":0.030417663355668385},{"text":"I can have a look at what C Bus is preferring, but C Bus is also giving us when we look at what their investment returns are performing, they're giving us a gross return based on the overall.","start":1363.215,"end":1375.17,"sentiment":"neutral","sentiment_score":0.07806511801716529},{"text":"So it's not necessarily saying that you would have got this return.","start":1375.23,"end":1378.85,"sentiment":"neutral","sentiment_score":0.02398612319181363},{"text":"It also depends upon contributions going in, what's happening, any distributions, and things like that.","start":1379.15,"end":1385.035,"sentiment":"neutral","sentiment_score":0.022554183627168337},{"text":"But if","start":1385.175,"end":1385.5751,"sentiment":"neutral","sentiment_score":0.002664105501025915}],"sentiment":"neutral","sentiment_score":0.05270288454900895,"channel":0,"num_words":70,"start":1362.3351,"end":1385.5751},{"sentences":[{"text":"Because.","start":1385.465,"end":1385.965,"sentiment":"neutral","sentiment_score":-0.0034637851640582085}],"sentiment":"neutral","sentiment_score":-0.0034637851640582085,"channel":1,"num_words":1,"start":1385.465,"end":1385.965},{"sentences":[{"text":"I'll have a look at the.","start":1385.5751,"end":1388.155,"sentiment":"neutral","sentiment_score":-0.0038388234097510576},{"text":"Sorry.","start":1390.135,"end":1390.615,"sentiment":"neutral","sentiment_score":-0.03933443874120712},{"text":"This goes to their site.","start":1390.615,"end":1393.1951,"sentiment":"neutral","sentiment_score":-0.04051428288221359}],"sentiment":"neutral","sentiment_score":-0.02207823280089845,"channel":0,"num_words":12,"start":1385.5751,"end":1393.1951},{"sentences":[{"text":"I mean, I suppose as short of it is, I","start":1395.0901,"end":1397.0901,"sentiment":"neutral","sentiment_score":-0.031913374364376065}],"sentiment":"neutral","sentiment_score":-0.031913374364376065,"channel":1,"num_words":10,"start":1395.0901,"end":1397.0901},{"sentences":[{"text":"Options.","start":1397.05,"end":1397.55,"sentiment":"neutral","sentiment_score":-0.014887336641550064}],"sentiment":"neutral","sentiment_score":-0.014887336641550064,"channel":0,"num_words":1,"start":1397.05,"end":1397.55},{"sentences":[{"text":"just wanna be the best possible outcome I can have","start":1397.0901,"end":1400.6901,"sentiment":"neutral","sentiment_score":0.0182391956448555}],"sentiment":"neutral","sentiment_score":0.0182391956448555,"channel":1,"num_words":10,"start":1397.0901,"end":1400.6901},{"sentences":[{"text":"Yeah.","start":1400.65,"end":1401.15,"sentiment":"neutral","sentiment_score":0.0061203790828585625}],"sentiment":"neutral","sentiment_score":0.0061203790828585625,"channel":0,"num_words":1,"start":1400.65,"end":1401.15},{"sentences":[{"text":"because, you know,","start":1400.6901,"end":1401.5701,"sentiment":"neutral","sentiment_score":0.015289260695377985}],"sentiment":"neutral","sentiment_score":0.015289260695377985,"channel":1,"num_words":3,"start":1400.6901,"end":1401.5701},{"sentences":[{"text":"Absolutely.","start":1401.53,"end":1402.03,"sentiment":"neutral","sentiment_score":0.003414854407310486}],"sentiment":"neutral","sentiment_score":0.003414854407310486,"channel":0,"num_words":1,"start":1401.53,"end":1402.03},{"sentences":[{"text":"I'm getting older by the day like everyone","start":1401.5701,"end":1404.05,"sentiment":"neutral","sentiment_score":-0.0791603741236031}],"sentiment":"neutral","sentiment_score":-0.0791603741236031,"channel":1,"num_words":8,"start":1401.5701,"end":1404.05},{"sentences":[{"text":"Yeah.","start":1403.77,"end":1404.27,"sentiment":"neutral","sentiment_score":0.022127581760287285}],"sentiment":"neutral","sentiment_score":0.022127581760287285,"channel":0,"num_words":1,"start":1403.77,"end":1404.27},{"sentences":[{"text":"else.","start":1404.05,"end":1404.4501,"sentiment":"neutral","sentiment_score":0.06061214581131935},{"text":"And,","start":1404.4501,"end":1404.9501,"sentiment":"neutral","sentiment_score":0.13720808923244476}],"sentiment":"neutral","sentiment_score":0.09891011752188206,"channel":1,"num_words":2,"start":1404.05,"end":1404.9501},{"sentences":[{"text":"Absolutely.","start":1404.97,"end":1405.47,"sentiment":"positive","sentiment_score":0.37173956632614136},{"text":"Yeah.","start":1407.29,"end":1407.77,"sentiment":"positive","sentiment_score":0.3533632159233093},{"text":"Absolutely.","start":1407.77,"end":1408.27,"sentiment":"positive","sentiment_score":0.5212855339050293},{"text":"So their growth my super account from this is up until the 06/30/2026, so it is definitely almost","start":1408.89,"end":1417.495,"sentiment":"positive","sentiment_score":0.41955779327286613}],"sentiment":"positive","sentiment_score":0.41897279024124146,"channel":0,"num_words":21,"start":1404.97,"end":1417.495},{"sentences":[{"text":"yeah.","start":1417.115,"end":1417.615,"sentiment":"positive","sentiment_score":0.4182996153831482}],"sentiment":"positive","sentiment_score":0.4182996153831482,"channel":1,"num_words":1,"start":1417.115,"end":1417.615},{"sentences":[{"text":"a month old.","start":1417.495,"end":1418.475,"sentiment":"neutral","sentiment_score":0.23615573346614838},{"text":"But they're claiming that their my my super growth growth, so before tax, has returned a 9.25% return on average.","start":1418.935,"end":1429.05,"sentiment":"positive","sentiment_score":0.5443988859653472},{"text":"So it is definitely higher than what you've got in your portfolio.","start":1429.05,"end":1432.71,"sentiment":"positive","sentiment_score":0.6170475954810778},{"text":"But, I mean, hub twenty four, this is giving you the return based on today's date, so very much within the last twelve months.","start":1434.5299,"end":1441.51,"sentiment":"positive","sentiment_score":0.3672860935330391},{"text":"And it's a net return after fees as well.","start":1442.0149,"end":1444.495,"sentiment":"neutral","sentiment_score":0.26105958388911354}],"sentiment":"positive","sentiment_score":0.4436090965481365,"channel":0,"num_words":68,"start":1417.495,"end":1444.495},{"sentences":[{"text":"So I would have to kind of go back and reassess the fees within Cbus and really go into nitty gritty to be able to find out what the return would be after fees.","start":1444.495,"end":1454.4349,"sentiment":"neutral","sentiment_score":0.13421100794392474},{"text":"But that that's just what they're claiming that their portfolio can achieve in the last twelve months or in the last one year up to the June 30.","start":1454.8949,"end":1462.38,"sentiment":"positive","sentiment_score":0.3519001736172608}],"sentiment":"neutral","sentiment_score":0.2325222440544636,"channel":0,"num_words":62,"start":1444.495,"end":1462.38},{"sentences":[{"text":"Well, can you can't you look at what I've had in c bus and go, well, you had this at the start and now you've got this.","start":1463.915,"end":1473.4349,"sentiment":"neutral","sentiment_score":0.03410444512135453},{"text":"So here's your percentage.","start":1473.4349,"end":1474.735,"sentiment":"neutral","sentiment_score":0.04484411235898733}],"sentiment":"neutral","sentiment_score":0.03549020863588779,"channel":1,"num_words":31,"start":1463.915,"end":1474.735},{"sentences":[{"text":"Yeah.","start":1476.0549,"end":1476.375,"sentiment":"neutral","sentiment_score":0.11428431421518326},{"text":"We can we can do that.","start":1476.375,"end":1477.995,"sentiment":"neutral","sentiment_score":0.1346186138689518},{"text":"We don't because there's so many other factors to take into account.","start":1478.1349,"end":1481.755,"sentiment":"neutral","sentiment_score":0.001093158187965552},{"text":"But, yeah, I can go back and have a look at that and compare it for you if you like.","start":1482.67,"end":1486.11,"sentiment":"neutral","sentiment_score":0.1541358929127455},{"text":"I'll have to send you an email after the call to do so.","start":1486.11,"end":1488.85,"sentiment":"neutral","sentiment_score":0.10009014262602879}],"sentiment":"neutral","sentiment_score":0.1022885309245724,"channel":0,"num_words":52,"start":1476.0549,"end":1488.85},{"sentences":[{"text":"Is just growing.","start":1490.03,"end":1491.39,"sentiment":"neutral","sentiment_score":0.09308345864216487},{"text":"We only want a real estate holder as a small amount.","start":1491.39,"end":1493.79,"sentiment":"neutral","sentiment_score":0.07535354725339195},{"text":"But at the same time, if you're more comfortable being in and you prefer just to have everything in one place, you're fine to roll back.","start":1493.79,"end":1501.135,"sentiment":"neutral","sentiment_score":0.08049698288624103},{"text":"I mean, as I've kinda said before, you're not in any way, shape, or form held to stay in Hub twenty four or with us as your advisers.","start":1501.135,"end":1508.755,"sentiment":"neutral","sentiment_score":-0.005347087447132383},{"text":"If you kinda wanna roll things back and just wanna be in one place and prefer to go back to an industry fund, you absolutely can do.","start":1509.47,"end":1516.13,"sentiment":"neutral","sentiment_score":0.12252137506449665}],"sentiment":"neutral","sentiment_score":0.06694125925239763,"channel":0,"num_words":95,"start":1490.03,"end":1516.13},{"sentences":[{"text":"You just initiate the rollover.","start":1516.43,"end":1517.9501,"sentiment":"neutral","sentiment_score":0.10764829069375992},{"text":"Let us know that that's what you wanna do and that you plan to roll back.","start":1517.9501,"end":1521.885,"sentiment":"neutral","sentiment_score":0.10236657731002197},{"text":"We'll absolutely help","start":1521.885,"end":1522.925,"sentiment":"positive","sentiment_score":0.5680212080478668}],"sentiment":"neutral","sentiment_score":0.16167376310719797,"channel":0,"num_words":24,"start":1516.43,"end":1522.925},{"sentences":[{"text":"Yeah.","start":1522.8351,"end":1523.0751,"sentiment":"positive","sentiment_score":0.5871493816375732}],"sentiment":"positive","sentiment_score":0.5871493816375732,"channel":1,"num_words":1,"start":1522.8351,"end":1523.0751},{"sentences":[{"text":"you.","start":1522.925,"end":1523.2451,"sentiment":"neutral","sentiment_score":0.3252941370010376}],"sentiment":"neutral","sentiment_score":0.3252941370010376,"channel":0,"num_words":1,"start":1522.925,"end":1523.2451},{"sentences":[{"text":"I under","start":1523.0751,"end":1523.555,"sentiment":"neutral","sentiment_score":0.08257929980754852}],"sentiment":"neutral","sentiment_score":0.08257929980754852,"channel":1,"num_words":2,"start":1523.0751,"end":1523.555},{"sentences":[{"text":"It","start":1523.2451,"end":1523.5651,"sentiment":"neutral","sentiment_score":0.05788306146860123}],"sentiment":"neutral","sentiment_score":0.05788306146860123,"channel":0,"num_words":1,"start":1523.2451,"end":1523.5651},{"sentences":[{"text":"I understand","start":1523.7151,"end":1524.375,"sentiment":"neutral","sentiment_score":0.046159470453858376}],"sentiment":"neutral","sentiment_score":0.046159470453858376,"channel":1,"num_words":2,"start":1523.7151,"end":1524.375},{"sentences":[{"text":"Yeah.","start":1523.9651,"end":1524.4651,"sentiment":"neutral","sentiment_score":0.05762540176510811}],"sentiment":"neutral","sentiment_score":0.05762540176510811,"channel":0,"num_words":1,"start":1523.9651,"end":1524.4651},{"sentences":[{"text":"that because you","start":1524.435,"end":1525.555,"sentiment":"neutral","sentiment_score":0.04385706533988317}],"sentiment":"neutral","sentiment_score":0.04385706533988317,"channel":1,"num_words":3,"start":1524.435,"end":1525.555},{"sentences":[{"text":"Yeah.","start":1525.3251,"end":1525.8251,"sentiment":"neutral","sentiment_score":0.04198768734931946}],"sentiment":"neutral","sentiment_score":0.04198768734931946,"channel":0,"num_words":1,"start":1525.3251,"end":1525.8251},{"sentences":[{"text":"thought you're upfront right from the start that","start":1525.555,"end":1527.875,"sentiment":"neutral","sentiment_score":0.05327897169627249}],"sentiment":"neutral","sentiment_score":0.05327897169627249,"channel":1,"num_words":8,"start":1525.555,"end":1527.875},{"sentences":[{"text":"Yeah.","start":1527.7251,"end":1528.2251,"sentiment":"neutral","sentiment_score":0.0921768918633461}],"sentiment":"neutral","sentiment_score":0.0921768918633461,"channel":0,"num_words":1,"start":1527.7251,"end":1528.2251},{"sentences":[{"text":"I could do that anytime.","start":1527.875,"end":1529.0951,"sentiment":"neutral","sentiment_score":0.09362365007400512},{"text":"But","start":1529.58,"end":1529.82,"sentiment":"neutral","sentiment_score":-0.02313239872455597}],"sentiment":"neutral","sentiment_score":0.07416430860757828,"channel":1,"num_words":6,"start":1527.875,"end":1529.82},{"sentences":[{"text":"Mhmm.","start":1529.645,"end":1530.145,"sentiment":"neutral","sentiment_score":-0.01582184061408043}],"sentiment":"neutral","sentiment_score":-0.01582184061408043,"channel":0,"num_words":1,"start":1529.645,"end":1530.145},{"sentences":[{"text":"I suppose, you know, I've I'm trust and trust in you guys who will go better than what C plus are claiming.","start":1529.82,"end":1537.4199,"sentiment":"neutral","sentiment_score":0.14786771380088545},{"text":"So, you know, if you yeah.","start":1537.4199,"end":1540.22,"sentiment":"neutral","sentiment_score":0.05452329106628895},{"text":"I'm a I used to be a bookmaker.","start":1540.22,"end":1542.96,"sentiment":"neutral","sentiment_score":0.01572405407205224},{"text":"I've worked with a bookmaker.","start":1543.26,"end":1544.48,"sentiment":"neutral","sentiment_score":0.027768537402153015},{"text":"So","start":1544.62,"end":1545.12,"sentiment":"neutral","sentiment_score":0.033178430050611496}],"sentiment":"neutral","sentiment_score":0.09233435713464305,"channel":1,"num_words":42,"start":1529.82,"end":1545.12},{"sentences":[{"text":"You're","start":1545.26,"end":1545.5,"sentiment":"neutral","sentiment_score":0.07732230424880981}],"sentiment":"neutral","sentiment_score":0.07732230424880981,"channel":0,"num_words":1,"start":1545.26,"end":1545.5},{"sentences":[{"text":"it","start":1545.3949,"end":1545.5549,"sentiment":"neutral","sentiment_score":0.08078291267156601}],"sentiment":"neutral","sentiment_score":0.08078291267156601,"channel":1,"num_words":1,"start":1545.3949,"end":1545.5549},{"sentences":[{"text":"right.","start":1545.5,"end":1546.0,"sentiment":"neutral","sentiment_score":0.0844731256365776}],"sentiment":"neutral","sentiment_score":0.0844731256365776,"channel":0,"num_words":1,"start":1545.5,"end":1546.0},{"sentences":[{"text":"basically got this side of the ledger and that side.","start":1545.5549,"end":1548.595,"sentiment":"neutral","sentiment_score":0.02339193467050791},{"text":"It's basic maths.","start":1548.595,"end":1549.875,"sentiment":"neutral","sentiment_score":0.03110523521900177},{"text":"Right?","start":1549.875,"end":1550.375,"sentiment":"neutral","sentiment_score":0.009605009108781816},{"text":"I mean, I'm not I don't understand every share that you're investing in and","start":1550.9149,"end":1555.975,"sentiment":"neutral","sentiment_score":-0.14653739226715906}],"sentiment":"neutral","sentiment_score":-0.061238693938191445,"channel":1,"num_words":28,"start":1545.5549,"end":1555.975},{"sentences":[{"text":"Mhmm.","start":1556.175,"end":1556.675,"sentiment":"neutral","sentiment_score":-0.13796259462833405}],"sentiment":"neutral","sentiment_score":-0.13796259462833405,"channel":0,"num_words":1,"start":1556.175,"end":1556.675},{"sentences":[{"text":"all that list on the page.","start":1556.4349,"end":1557.955,"sentiment":"neutral","sentiment_score":-0.15435429041584334},{"text":"I don't I don't even know what half of those are.","start":1557.955,"end":1560.7749,"sentiment":"neutral","sentiment_score":-0.19631433216008273},{"text":"But","start":1561.0399,"end":1561.44,"sentiment":"neutral","sentiment_score":-0.10933060944080351}],"sentiment":"neutral","sentiment_score":-0.17749522253870964,"channel":1,"num_words":18,"start":1556.4349,"end":1561.44},{"sentences":[{"text":"Yeah.","start":1561.615,"end":1562.115,"sentiment":"neutral","sentiment_score":-0.07262301445007324}],"sentiment":"neutral","sentiment_score":-0.07262301445007324,"channel":0,"num_words":1,"start":1561.615,"end":1562.115},{"sentences":[{"text":"yeah.","start":1561.84,"end":1562.1599,"sentiment":"neutral","sentiment_score":-0.05400274693965912},{"text":"You know what I mean?","start":1562.1599,"end":1563.2,"sentiment":"neutral","sentiment_score":-0.06459690034389495},{"text":"All I want at the end of the day is, you know, will I be better off staying with you guys for another twelve months, or am I gonna be better off going back to see Bus two?","start":1563.2,"end":1574.215,"sentiment":"neutral","sentiment_score":-0.12247526175097416},{"text":"I mean, I trust them because I'm a tradie.","start":1574.215,"end":1576.7949,"sentiment":"neutral","sentiment_score":-0.0503219072189596},{"text":"Do you know what I mean?","start":1577.095,"end":1578.155,"sentiment":"neutral","sentiment_score":-0.07844460569322109}],"sentiment":"neutral","sentiment_score":-0.10092562702247652,"channel":1,"num_words":59,"start":1561.84,"end":1578.155},{"sentences":[{"text":"So that's","start":1578.375,"end":1579.195,"sentiment":"neutral","sentiment_score":-0.006621960550546646}],"sentiment":"neutral","sentiment_score":-0.006621960550546646,"channel":1,"num_words":2,"start":1578.375,"end":1579.195},{"sentences":[{"text":"Yeah.","start":1578.755,"end":1579.255,"sentiment":"neutral","sentiment_score":0.050649479031562805}],"sentiment":"neutral","sentiment_score":0.050649479031562805,"channel":0,"num_words":1,"start":1578.755,"end":1579.255},{"sentences":[{"text":"how it is.","start":1579.255,"end":1580.955,"sentiment":"neutral","sentiment_score":0.06089619795481364},{"text":"That's","start":1581.975,"end":1582.375,"sentiment":"neutral","sentiment_score":0.01431279443204403}],"sentiment":"neutral","sentiment_score":0.04925034707412124,"channel":1,"num_words":4,"start":1579.255,"end":1582.375},{"sentences":[{"text":"That's","start":1582.275,"end":1582.6749,"sentiment":"neutral","sentiment_score":-0.07106669247150421}],"sentiment":"neutral","sentiment_score":-0.07106669247150421,"channel":0,"num_words":1,"start":1582.275,"end":1582.6749},{"sentences":[{"text":"that's","start":1582.375,"end":1582.695,"sentiment":"neutral","sentiment_score":-0.14486345648765564}],"sentiment":"neutral","sentiment_score":-0.14486345648765564,"channel":1,"num_words":1,"start":1582.375,"end":1582.695},{"sentences":[{"text":"okay.","start":1582.6749,"end":1583.1749,"sentiment":"neutral","sentiment_score":-0.15674401819705963}],"sentiment":"neutral","sentiment_score":-0.15674401819705963,"channel":0,"num_words":1,"start":1582.6749,"end":1583.1749},{"sentences":[{"text":"the short of it.","start":1582.695,"end":1583.6749,"sentiment":"neutral","sentiment_score":-0.13396698608994484}],"sentiment":"neutral","sentiment_score":-0.13396698608994484,"channel":1,"num_words":4,"start":1582.695,"end":1583.6749},{"sentences":[{"text":"Yeah.","start":1583.955,"end":1584.355,"sentiment":"neutral","sentiment_score":0.05954454094171524}],"sentiment":"neutral","sentiment_score":0.05954454094171524,"channel":0,"num_words":1,"start":1583.955,"end":1584.355},{"sentences":[{"text":"So","start":1584.215,"end":1584.715,"sentiment":"neutral","sentiment_score":0.07178514450788498}],"sentiment":"neutral","sentiment_score":0.07178514450788498,"channel":1,"num_words":1,"start":1584.215,"end":1584.715},{"sentences":[{"text":"That's fine.","start":1584.355,"end":1585.1749,"sentiment":"neutral","sentiment_score":0.25788673013448715},{"text":"It's honestly okay.","start":1585.235,"end":1586.355,"sentiment":"positive","sentiment_score":0.40897775689760846},{"text":"It's not a problem at all.","start":1586.355,"end":1587.635,"sentiment":"positive","sentiment_score":0.44220836957295734},{"text":"I'm also just having a look at the from inception report.","start":1587.635,"end":1590.195,"sentiment":"neutral","sentiment_score":0.15158903192390094},{"text":"So you came on board here in 2023.","start":1590.195,"end":1592.4,"sentiment":"neutral","sentiment_score":0.14295547269284725}],"sentiment":"neutral","sentiment_score":0.24023600270350773,"channel":0,"num_words":30,"start":1584.355,"end":1592.4},{"sentences":[{"text":"You've almost been on essentially for three years there, and","start":1592.4,"end":1595.92,"sentiment":"neutral","sentiment_score":0.1781422719359398}],"sentiment":"neutral","sentiment_score":0.1781422719359398,"channel":0,"num_words":10,"start":1592.4,"end":1595.92},{"sentences":[{"text":"Yeah.","start":1595.92,"end":1596.42,"sentiment":"neutral","sentiment_score":0.21333619952201843}],"sentiment":"neutral","sentiment_score":0.21333619952201843,"channel":1,"num_words":1,"start":1595.92,"end":1596.42},{"sentences":[{"text":"your portfolio over the last three years has returned a 29.13% return.","start":1595.92,"end":1601.6001,"sentiment":"positive","sentiment_score":0.35032906010746956},{"text":"It's made about $69,000 in income plus growth as a dollar figure.","start":1601.6001,"end":1606.485,"sentiment":"neutral","sentiment_score":0.31046508873502415},{"text":"If","start":1607.045,"end":1607.365,"sentiment":"neutral","sentiment_score":0.14850172400474548}],"sentiment":"neutral","sentiment_score":0.3231212604045868,"channel":0,"num_words":25,"start":1595.92,"end":1607.365},{"sentences":[{"text":"Oh,","start":1607.235,"end":1607.395,"sentiment":"neutral","sentiment_score":0.15361398458480835}],"sentiment":"neutral","sentiment_score":0.15361398458480835,"channel":1,"num_words":1,"start":1607.235,"end":1607.395},{"sentences":[{"text":"I","start":1607.365,"end":1607.605,"sentiment":"neutral","sentiment_score":0.19891902804374695}],"sentiment":"neutral","sentiment_score":0.19891902804374695,"channel":0,"num_words":1,"start":1607.365,"end":1607.605},{"sentences":[{"text":"that's","start":1607.395,"end":1607.795,"sentiment":"neutral","sentiment_score":0.28316259384155273}],"sentiment":"neutral","sentiment_score":0.28316259384155273,"channel":1,"num_words":1,"start":1607.395,"end":1607.795},{"sentences":[{"text":"divide","start":1607.605,"end":1608.005,"sentiment":"neutral","sentiment_score":0.3315495252609253}],"sentiment":"neutral","sentiment_score":0.3315495252609253,"channel":0,"num_words":1,"start":1607.605,"end":1608.005},{"sentences":[{"text":"great.","start":1607.795,"end":1608.295,"sentiment":"positive","sentiment_score":0.3387221693992615}],"sentiment":"positive","sentiment_score":0.3387221693992615,"channel":1,"num_words":1,"start":1607.795,"end":1608.295},{"sentences":[{"text":"this twenty nine point one three by the three years, you've made an average of 9.71%.","start":1608.005,"end":1615.205,"sentiment":"neutral","sentiment_score":0.19250561343505979},{"text":"So whilst this one year, it is showing less than what the c bus fund has, you know, returned as a growth, as a growth performance on their website, when you kinda take that 29, 29.13% and divide that by the three years that you've now been on board, you've averaged about a 9.71, which is better than what they have done.","start":1615.205,"end":1638.4751,"sentiment":"neutral","sentiment_score":0.08114493201624175},{"text":"So when you look at","start":1638.4751,"end":1639.515,"sentiment":"neutral","sentiment_score":0.31860939264297483}],"sentiment":"neutral","sentiment_score":0.11735338574593387,"channel":0,"num_words":83,"start":1608.005,"end":1639.515},{"sentences":[{"text":"Sure.","start":1639.395,"end":1639.895,"sentiment":"positive","sentiment_score":0.4200504422187805}],"sentiment":"positive","sentiment_score":0.4200504422187805,"channel":1,"num_words":1,"start":1639.395,"end":1639.895},{"sentences":[{"text":"it overall, the compounding effect, you've actually done better than what they're claiming to do.","start":1639.515,"end":1643.515,"sentiment":"positive","sentiment_score":0.5464602172374725},{"text":"So I do in order to kind of break down what you do have and don't have, the statements or information they give us, they don't give us your balance from last year.","start":1643.515,"end":1653.64,"sentiment":"neutral","sentiment_score":0.006831139495426958},{"text":"So I'd have to go back to Ziva's, get your balance, work out what your fees are, and do the math around, obviously, what your growth rate was.","start":1653.64,"end":1661.6599,"sentiment":"neutral","sentiment_score":0.023208903780739223}],"sentiment":"neutral","sentiment_score":0.1193707916812089,"channel":0,"num_words":76,"start":1639.515,"end":1661.6599},{"sentences":[{"text":"But I'd be able to would that be easier for me to do?","start":1661.1951,"end":1664.4751,"sentiment":"neutral","sentiment_score":0.07032968046573493},{"text":"Seeing, you know,","start":1664.4751,"end":1666.015,"sentiment":"neutral","sentiment_score":0.011517345905303955}],"sentiment":"neutral","sentiment_score":0.059302367735654116,"channel":1,"num_words":16,"start":1661.1951,"end":1666.015},{"sentences":[{"text":"Yeah.","start":1665.905,"end":1666.405,"sentiment":"neutral","sentiment_score":0.04912111908197403}],"sentiment":"neutral","sentiment_score":0.04912111908197403,"channel":0,"num_words":1,"start":1665.905,"end":1666.405},{"sentences":[{"text":"surely, as a","start":1666.2351,"end":1667.71,"sentiment":"neutral","sentiment_score":0.07234736531972885}],"sentiment":"neutral","sentiment_score":0.07234736531972885,"channel":1,"num_words":3,"start":1666.2351,"end":1667.71},{"sentences":[{"text":"If","start":1667.585,"end":1667.745,"sentiment":"neutral","sentiment_score":0.0793825089931488}],"sentiment":"neutral","sentiment_score":0.0793825089931488,"channel":0,"num_words":1,"start":1667.585,"end":1667.745},{"sentences":[{"text":"member,","start":1667.71,"end":1668.19,"sentiment":"neutral","sentiment_score":0.0608159676194191}],"sentiment":"neutral","sentiment_score":0.0608159676194191,"channel":1,"num_words":1,"start":1667.71,"end":1668.19},{"sentences":[{"text":"you've got a","start":1667.745,"end":1668.225,"sentiment":"neutral","sentiment_score":0.05080324659744898}],"sentiment":"neutral","sentiment_score":0.05080324659744898,"channel":0,"num_words":3,"start":1667.745,"end":1668.225},{"sentences":[{"text":"I","start":1668.19,"end":1668.2699,"sentiment":"neutral","sentiment_score":0.03175392746925354}],"sentiment":"neutral","sentiment_score":0.03175392746925354,"channel":1,"num_words":1,"start":1668.19,"end":1668.2699},{"sentences":[{"text":"state","start":1668.225,"end":1668.385,"sentiment":"neutral","sentiment_score":0.03713390231132507}],"sentiment":"neutral","sentiment_score":0.03713390231132507,"channel":0,"num_words":1,"start":1668.225,"end":1668.385},{"sentences":[{"text":"can ring up and say,","start":1668.2699,"end":1669.63,"sentiment":"neutral","sentiment_score":0.029802438616752625}],"sentiment":"neutral","sentiment_score":0.029802438616752625,"channel":1,"num_words":5,"start":1668.2699,"end":1669.63},{"sentences":[{"text":"yeah.","start":1669.585,"end":1670.085,"sentiment":"neutral","sentiment_score":0.029373975470662117}],"sentiment":"neutral","sentiment_score":0.029373975470662117,"channel":0,"num_words":1,"start":1669.585,"end":1670.085},{"sentences":[{"text":"look.","start":1669.63,"end":1669.95,"sentiment":"neutral","sentiment_score":0.01861543580889702},{"text":"I need these details from my accountant or something like that.","start":1669.95,"end":1673.4099,"sentiment":"neutral","sentiment_score":0.007882260124791752}],"sentiment":"neutral","sentiment_score":0.008776691431800524,"channel":1,"num_words":12,"start":1669.63,"end":1673.4099},{"sentences":[{"text":"Yeah.","start":1673.4249,"end":1673.745,"sentiment":"neutral","sentiment_score":0.10387597978115082},{"text":"Absolutely.","start":1673.745,"end":1674.245,"sentiment":"neutral","sentiment_score":0.22396540641784668},{"text":"You can.","start":1674.465,"end":1674.945,"sentiment":"neutral","sentiment_score":0.19347576051950455},{"text":"That's","start":1674.945,"end":1675.1849,"sentiment":"neutral","sentiment_score":0.16243302822113037}],"sentiment":"neutral","sentiment_score":0.17544518709182738,"channel":0,"num_words":5,"start":1673.4249,"end":1675.1849},{"sentences":[{"text":"Yeah.","start":1675.07,"end":1675.57,"sentiment":"neutral","sentiment_score":0.1924327313899994}],"sentiment":"neutral","sentiment_score":0.1924327313899994,"channel":1,"num_words":1,"start":1675.07,"end":1675.57},{"sentences":[{"text":"not a problem at all.","start":1675.1849,"end":1676.225,"sentiment":"neutral","sentiment_score":0.2242898315191269},{"text":"Yeah.","start":1676.225,"end":1676.625,"sentiment":"neutral","sentiment_score":0.15728041529655457},{"text":"They are a little bit picky giving up the information.","start":1676.625,"end":1678.6799,"sentiment":"neutral","sentiment_score":-0.07904371432960033},{"text":"We only have an authority to inquire, but I can go back and do the math for you.","start":1678.6799,"end":1683.1599,"sentiment":"neutral","sentiment_score":0.07614138329194652},{"text":"It's not a problem.","start":1683.1599,"end":1684.22,"sentiment":"neutral","sentiment_score":0.20586591586470604}],"sentiment":"neutral","sentiment_score":0.07058686821868546,"channel":0,"num_words":38,"start":1675.1849,"end":1684.22},{"sentences":[{"text":"The difference being that","start":1684.84,"end":1685.96,"sentiment":"neutral","sentiment_score":0.09366682544350624}],"sentiment":"neutral","sentiment_score":0.09366682544350624,"channel":0,"num_words":4,"start":1684.84,"end":1685.96},{"sentences":[{"text":"What","start":1685.875,"end":1686.1951,"sentiment":"neutral","sentiment_score":0.26784539222717285}],"sentiment":"neutral","sentiment_score":0.26784539222717285,"channel":1,"num_words":1,"start":1685.875,"end":1686.1951},{"sentences":[{"text":"we also","start":1685.96,"end":1686.36,"sentiment":"neutral","sentiment_score":0.24878472089767456}],"sentiment":"neutral","sentiment_score":0.24878472089767456,"channel":0,"num_words":2,"start":1685.96,"end":1686.36},{"sentences":[{"text":"you've told me there is is pretty good.","start":1686.1951,"end":1688.595,"sentiment":"neutral","sentiment_score":0.3085784390568733}],"sentiment":"neutral","sentiment_score":0.3085784390568733,"channel":1,"num_words":8,"start":1686.1951,"end":1688.595},{"sentences":[{"text":"yeah.","start":1688.2,"end":1688.7,"sentiment":"positive","sentiment_score":0.4150558114051819}],"sentiment":"positive","sentiment_score":0.4150558114051819,"channel":0,"num_words":1,"start":1688.2,"end":1688.7},{"sentences":[{"text":"I'm happy","start":1688.595,"end":1689.3151,"sentiment":"positive","sentiment_score":0.41967712342739105}],"sentiment":"positive","sentiment_score":0.41967712342739105,"channel":1,"num_words":2,"start":1688.595,"end":1689.3151},{"sentences":[{"text":"That's okay.","start":1689.0,"end":1689.74,"sentiment":"neutral","sentiment_score":0.31340391933918}],"sentiment":"neutral","sentiment_score":0.31340391933918,"channel":0,"num_words":2,"start":1689.0,"end":1689.74},{"sentences":[{"text":"with that.","start":1689.3151,"end":1690.035,"sentiment":"neutral","sentiment_score":0.20793727040290833},{"text":"I understand","start":1690.035,"end":1690.6951,"sentiment":"neutral","sentiment_score":0.04396471381187439}],"sentiment":"neutral","sentiment_score":0.12595099210739136,"channel":1,"num_words":4,"start":1689.3151,"end":1690.6951},{"sentences":[{"text":"That's okay.","start":1690.2799,"end":1690.965,"sentiment":"neutral","sentiment_score":0.007211529300548138}],"sentiment":"neutral","sentiment_score":0.007211529300548138,"channel":0,"num_words":2,"start":1690.2799,"end":1690.965},{"sentences":[{"text":"it goes up and down and,","start":1690.835,"end":1692.855,"sentiment":"neutral","sentiment_score":-0.07296314835548401}],"sentiment":"neutral","sentiment_score":-0.07296314835548401,"channel":1,"num_words":6,"start":1690.835,"end":1692.855},{"sentences":[{"text":"Yeah.","start":1692.565,"end":1693.065,"sentiment":"neutral","sentiment_score":-0.09267647564411163}],"sentiment":"neutral","sentiment_score":-0.09267647564411163,"channel":0,"num_words":1,"start":1692.565,"end":1693.065},{"sentences":[{"text":"you know, you can't.","start":1693.3151,"end":1694.275,"sentiment":"neutral","sentiment_score":-0.11282668076455593},{"text":"But the thing is you don't wanna say, well, I'm gonna be retiring in two years.","start":1694.275,"end":1699.63,"sentiment":"neutral","sentiment_score":-0.15113610960543156},{"text":"Well, I mean, you'd like to say that, but, yeah, you don't wanna go the year before and then","start":1700.09,"end":1705.53,"sentiment":"neutral","sentiment_score":-0.12182997049469697}],"sentiment":"neutral","sentiment_score":-0.13292958759344542,"channel":1,"num_words":39,"start":1693.3151,"end":1705.53},{"sentences":[{"text":"No.","start":1705.41,"end":1705.91,"sentiment":"negative","sentiment_score":-0.41405925154685974}],"sentiment":"negative","sentiment_score":-0.41405925154685974,"channel":0,"num_words":1,"start":1705.41,"end":1705.91},{"sentences":[{"text":"lose all your money because of","start":1705.53,"end":1707.3099,"sentiment":"negative","sentiment_score":-0.4780718783537547}],"sentiment":"negative","sentiment_score":-0.4780718783537547,"channel":1,"num_words":6,"start":1705.53,"end":1707.3099},{"sentences":[{"text":"Absolutely.","start":1707.1699,"end":1707.6699,"sentiment":"neutral","sentiment_score":-0.33026933670043945}],"sentiment":"neutral","sentiment_score":-0.33026933670043945,"channel":0,"num_words":1,"start":1707.1699,"end":1707.6699},{"sentences":[{"text":"the global financial crisis or some some drama that","start":1707.77,"end":1712.385,"sentiment":"negative","sentiment_score":-0.39233775933583576}],"sentiment":"negative","sentiment_score":-0.39233775933583576,"channel":1,"num_words":9,"start":1707.77,"end":1712.385},{"sentences":[{"text":"Absolutely.","start":1712.37,"end":1712.87,"sentiment":"neutral","sentiment_score":-0.2578037977218628}],"sentiment":"neutral","sentiment_score":-0.2578037977218628,"channel":0,"num_words":1,"start":1712.37,"end":1712.87},{"sentences":[{"text":"Trump's done.","start":1712.385,"end":1713.2051,"sentiment":"neutral","sentiment_score":-0.2592872530221939},{"text":"You know what","start":1713.265,"end":1713.8251,"sentiment":"neutral","sentiment_score":-0.11703957120577495}],"sentiment":"neutral","sentiment_score":-0.17393864393234254,"channel":1,"num_words":5,"start":1712.385,"end":1713.8251},{"sentences":[{"text":"Absolutely.","start":1713.8099,"end":1714.3099,"sentiment":"neutral","sentiment_score":-0.08194130659103394}],"sentiment":"neutral","sentiment_score":-0.08194130659103394,"channel":0,"num_words":1,"start":1713.8099,"end":1714.3099},{"sentences":[{"text":"I mean?","start":1713.8251,"end":1714.405,"sentiment":"neutral","sentiment_score":-0.04303569719195366}],"sentiment":"neutral","sentiment_score":-0.04303569719195366,"channel":1,"num_words":2,"start":1713.8251,"end":1714.405},{"sentences":[{"text":"Yeah.","start":1714.85,"end":1715.09,"sentiment":"neutral","sentiment_score":0.015522852540016174},{"text":"And that's probably one of the biggest things that I would be wanting to bring up is that if by staying on board with us, it does mean that I do wanna review this with you.","start":1715.09,"end":1722.4851,"sentiment":"neutral","sentiment_score":0.04868836504303747},{"text":"You know, when we spoke last time, you wanted to be in that high growth environment, take on a bit more risk because you're not planning access super for about the next seven years.","start":1722.4851,"end":1731.53,"sentiment":"neutral","sentiment_score":-0.216859842705376},{"text":"However, I do not want you in that high growth environment for the next seven years when you are easily six years away.","start":1732.07,"end":1738.31,"sentiment":"negative","sentiment_score":-0.6057800443276115},{"text":"So next year, I'll probably wanna bring you down.","start":1738.31,"end":1740.55,"sentiment":"negative","sentiment_score":-0.5051000813643137}],"sentiment":"neutral","sentiment_score":-0.23382303310395444,"channel":0,"num_words":103,"start":1714.85,"end":1740.55},{"sentences":[{"text":"And then from there on every year, start to reduce your risk level a little bit, sorry, by","start":1740.55,"end":1745.685,"sentiment":"neutral","sentiment_score":-0.19785849998394647}],"sentiment":"neutral","sentiment_score":-0.19785849998394647,"channel":0,"num_words":18,"start":1740.55,"end":1745.685},{"sentences":[{"text":"Yeah.","start":1745.615,"end":1746.115,"sentiment":"neutral","sentiment_score":-0.15281599760055542}],"sentiment":"neutral","sentiment_score":-0.15281599760055542,"channel":1,"num_words":1,"start":1745.615,"end":1746.115},{"sentences":[{"text":"10% as well and start to sort of bring it down gradually because I definitely do not want you to be in high growth the year before you retire and then have a big 20% drop and then be cementing","start":1745.685,"end":1756.5651,"sentiment":"negative","sentiment_score":-0.4180158846080303}],"sentiment":"negative","sentiment_score":-0.4180158846080303,"channel":0,"num_words":40,"start":1745.685,"end":1756.5651},{"sentences":[{"text":"No.","start":1756.19,"end":1756.69,"sentiment":"negative","sentiment_score":-0.5506182909011841}],"sentiment":"negative","sentiment_score":-0.5506182909011841,"channel":1,"num_words":1,"start":1756.19,"end":1756.69},{"sentences":[{"text":"that drop.","start":1756.5651,"end":1757.285,"sentiment":"negative","sentiment_score":-0.5008809715509415},{"text":"That is not preferable, and I would hate myself if that happened to you.","start":1757.285,"end":1761.44,"sentiment":"negative","sentiment_score":-0.6923213473388127},{"text":"You know, we","start":1762.38,"end":1763.02,"sentiment":"neutral","sentiment_score":-0.22544660170873007}],"sentiment":"negative","sentiment_score":-0.5984526637353396,"channel":0,"num_words":19,"start":1756.5651,"end":1763.02},{"sentences":[{"text":"Well,","start":1762.99,"end":1763.23,"sentiment":"negative","sentiment_score":-0.3406686782836914}],"sentiment":"negative","sentiment_score":-0.3406686782836914,"channel":1,"num_words":1,"start":1762.99,"end":1763.23},{"sentences":[{"text":"all wanna","start":1763.02,"end":1763.4199,"sentiment":"negative","sentiment_score":-0.3891001492738724}],"sentiment":"negative","sentiment_score":-0.3891001492738724,"channel":0,"num_words":2,"start":1763.02,"end":1763.4199},{"sentences":[{"text":"everyone's","start":1763.23,"end":1763.71,"sentiment":"negative","sentiment_score":-0.47336944937705994}],"sentiment":"negative","sentiment_score":-0.47336944937705994,"channel":1,"num_words":1,"start":1763.23,"end":1763.71},{"sentences":[{"text":"retire","start":1763.4199,"end":1763.82,"sentiment":"negative","sentiment_score":-0.41233861446380615}],"sentiment":"negative","sentiment_score":-0.41233861446380615,"channel":0,"num_words":1,"start":1763.4199,"end":1763.82},{"sentences":[{"text":"gonna","start":1763.71,"end":1763.95,"sentiment":"negative","sentiment_score":-0.48761069774627686}],"sentiment":"negative","sentiment_score":-0.48761069774627686,"channel":1,"num_words":1,"start":1763.71,"end":1763.95},{"sentences":[{"text":"as","start":1763.82,"end":1763.98,"sentiment":"negative","sentiment_score":-0.47549527883529663}],"sentiment":"negative","sentiment_score":-0.47549527883529663,"channel":0,"num_words":1,"start":1763.82,"end":1763.98},{"sentences":[{"text":"be","start":1763.95,"end":1764.11,"sentiment":"negative","sentiment_score":-0.44259756803512573}],"sentiment":"negative","sentiment_score":-0.44259756803512573,"channel":1,"num_words":1,"start":1763.95,"end":1764.11},{"sentences":[{"text":"quickly","start":1763.98,"end":1764.46,"sentiment":"negative","sentiment_score":-0.5008912682533264}],"sentiment":"negative","sentiment_score":-0.5008912682533264,"channel":0,"num_words":1,"start":1763.98,"end":1764.46},{"sentences":[{"text":"grumpy.","start":1764.11,"end":1764.61,"sentiment":"negative","sentiment_score":-0.5692818760871887}],"sentiment":"negative","sentiment_score":-0.5692818760871887,"channel":1,"num_words":1,"start":1764.11,"end":1764.61},{"sentences":[{"text":"as possible.","start":1764.46,"end":1765.12,"sentiment":"negative","sentiment_score":-0.3567691743373871}],"sentiment":"negative","sentiment_score":-0.3567691743373871,"channel":0,"num_words":2,"start":1764.46,"end":1765.12},{"sentences":[{"text":"Yes.","start":1764.83,"end":1765.305,"sentiment":"neutral","sentiment_score":-0.02326357178390026}],"sentiment":"neutral","sentiment_score":-0.02326357178390026,"channel":1,"num_words":1,"start":1764.83,"end":1765.305},{"sentences":[{"text":"Yeah.","start":1765.9,"end":1766.14,"sentiment":"neutral","sentiment_score":-0.0148784089833498},{"text":"Exactly.","start":1766.14,"end":1766.64,"sentiment":"neutral","sentiment_score":0.026905765756964684},{"text":"Exactly.","start":1766.86,"end":1767.36,"sentiment":"neutral","sentiment_score":0.03726994618773461},{"text":"So by having us here and having me as your adviser, I can be a little bit more you know, we're happy to take on that bit of risk now for you, but I do not want you to be in that for longer.","start":1767.5,"end":1777.6951,"sentiment":"neutral","sentiment_score":-0.157495989294892},{"text":"I definitely do wanna make sure we do a catch up in about six months with you, probably January, if not December before we go away for Christmas just to make sure things are working.","start":1778.155,"end":1787.755,"sentiment":"neutral","sentiment_score":0.0043960347771644604}],"sentiment":"neutral","sentiment_score":-0.08203250010747735,"channel":0,"num_words":82,"start":1765.9,"end":1787.755},{"sentences":[{"text":"And if the market isn't performing well, if things aren't doing well, then I wanna make those changes again for you and keep it working harder because, realistically, your balance is a bit lower than where I would like it to be.","start":1787.755,"end":1799.81,"sentiment":"neutral","sentiment_score":-0.2259850606677078},{"text":"And, realistically, if you're gonna retire the next seven years, we wanna make sure you've got as much money as absolutely possible because you'll be 65.","start":1799.81,"end":1808.145,"sentiment":"neutral","sentiment_score":0.007975916664760847},{"text":"So, realistically, you wanna make sure you've got enough money to","start":1808.145,"end":1811.765,"sentiment":"neutral","sentiment_score":0.11370811475948854}],"sentiment":"neutral","sentiment_score":-0.10168619560007053,"channel":0,"num_words":79,"start":1787.755,"end":1811.765},{"sentences":[{"text":"Yes.","start":1811.5599,"end":1812.0599,"sentiment":"neutral","sentiment_score":0.13699591159820557}],"sentiment":"neutral","sentiment_score":0.13699591159820557,"channel":1,"num_words":1,"start":1811.5599,"end":1812.0599},{"sentences":[{"text":"start drawing out the income you need as well as getting you longevity.","start":1811.9049,"end":1815.605,"sentiment":"neutral","sentiment_score":0.25712845761042374},{"text":"And you're not eligible for age pension to age 67.","start":1816.2,"end":1819.58,"sentiment":"neutral","sentiment_score":-0.12315635904669761},{"text":"So there is two years to keep as a bit of a buffer prior to accessing the age pension.","start":1819.64,"end":1824.46,"sentiment":"neutral","sentiment_score":0.0016769600149832275},{"text":"And then what I like to do with a lot of my retired clients is when we get to age 67, look at what you're eligible receive from Centrelink and draw back less out of super to supplement that so you have a bit of longevity and get some from the age pension as well as super as well.","start":1824.76,"end":1839.885,"sentiment":"neutral","sentiment_score":0.2905976191415625},{"text":"The other","start":1840.585,"end":1841.065,"sentiment":"neutral","sentiment_score":0.10272927954792976}],"sentiment":"neutral","sentiment_score":0.18925909405049768,"channel":0,"num_words":103,"start":1811.9049,"end":1841.065},{"sentences":[{"text":"Right.","start":1840.84,"end":1841.34,"sentiment":"neutral","sentiment_score":0.08347977697849274}],"sentiment":"neutral","sentiment_score":0.08347977697849274,"channel":1,"num_words":1,"start":1840.84,"end":1841.34},{"sentences":[{"text":"side of it is once you actually turn 60, depending on what you need, whether, you know, you feel income protection and TBD or whether you feel insurances are appropriate, a lot of my clients do decide at 60 they don't need those insurances anymore because if they are unable to work, they can access their super.","start":1841.065,"end":1858.82,"sentiment":"neutral","sentiment_score":0.05348073585743183},{"text":"So we can also look to consolidate from then on too.","start":1859.005,"end":1863.005,"sentiment":"neutral","sentiment_score":0.11581976169889624},{"text":"So only keep these insurances in place and save us until you no longer need them.","start":1863.005,"end":1867.1849,"sentiment":"neutral","sentiment_score":0.09507927217055112},{"text":"Once those insurances are obsolete and you don't feel that they are suitable to keep anymore, that we can get rid of them, then we can consolidate everything into hub twenty four as well, have it all in one place, have one super fund working harder for you as well.","start":1867.245,"end":1881.3301,"sentiment":"neutral","sentiment_score":0.09453219010028988}],"sentiment":"neutral","sentiment_score":0.0788828147933193,"channel":0,"num_words":134,"start":1841.065,"end":1881.3301},{"sentences":[{"text":"Yep.","start":1881.0549,"end":1881.5549,"sentiment":"neutral","sentiment_score":0.08300819247961044}],"sentiment":"neutral","sentiment_score":0.08300819247961044,"channel":1,"num_words":1,"start":1881.0549,"end":1881.5549},{"sentences":[{"text":"So that's also another option I'd like to look at for you","start":1881.3301,"end":1885.01,"sentiment":"neutral","sentiment_score":0.1264539292703072}],"sentiment":"neutral","sentiment_score":0.1264539292703072,"channel":0,"num_words":12,"start":1881.3301,"end":1885.01},{"sentences":[{"text":"Perfect.","start":1884.735,"end":1885.235,"sentiment":"neutral","sentiment_score":0.26355183124542236}],"sentiment":"neutral","sentiment_score":0.26355183124542236,"channel":1,"num_words":1,"start":1884.735,"end":1885.235},{"sentences":[{"text":"if that","start":1885.01,"end":1885.425,"sentiment":"neutral","sentiment_score":0.11374036967754364}],"sentiment":"neutral","sentiment_score":0.11374036967754364,"channel":0,"num_words":2,"start":1885.01,"end":1885.425},{"sentences":[{"text":"Alright.","start":1886.0149,"end":1886.5149,"sentiment":"neutral","sentiment_score":0.13943253457546234},{"text":"Okay.","start":1886.735,"end":1887.235,"sentiment":"neutral","sentiment_score":0.09775516390800476},{"text":"Well,","start":1887.2949,"end":1887.7949,"sentiment":"neutral","sentiment_score":0.09350259602069856}],"sentiment":"neutral","sentiment_score":0.11023009816805522,"channel":1,"num_words":3,"start":1886.0149,"end":1887.7949},{"sentences":[{"text":"helps.","start":1887.5851,"end":1888.0851,"sentiment":"neutral","sentiment_score":0.0943932980298996}],"sentiment":"neutral","sentiment_score":0.0943932980298996,"channel":0,"num_words":1,"start":1887.5851,"end":1888.0851},{"sentences":[{"text":"I I don't wanna cut it short,","start":1888.6549,"end":1890.0149,"sentiment":"neutral","sentiment_score":-0.0077591756624834874}],"sentiment":"neutral","sentiment_score":-0.0077591756624834874,"channel":1,"num_words":7,"start":1888.6549,"end":1890.0149},{"sentences":[{"text":"Yeah.","start":1889.8251,"end":1890.3251,"sentiment":"neutral","sentiment_score":0.025104135274887085}],"sentiment":"neutral","sentiment_score":0.025104135274887085,"channel":0,"num_words":1,"start":1889.8251,"end":1890.3251},{"sentences":[{"text":"but I do","start":1890.0149,"end":1890.835,"sentiment":"neutral","sentiment_score":0.02413531889518102}],"sentiment":"neutral","sentiment_score":0.02413531889518102,"channel":1,"num_words":3,"start":1890.0149,"end":1890.835},{"sentences":[{"text":"That's","start":1890.625,"end":1890.9451,"sentiment":"neutral","sentiment_score":0.09586842358112337}],"sentiment":"neutral","sentiment_score":0.09586842358112337,"channel":0,"num_words":1,"start":1890.625,"end":1890.9451},{"sentences":[{"text":"have","start":1890.8949,"end":1891.1349,"sentiment":"neutral","sentiment_score":0.10122592747211456}],"sentiment":"neutral","sentiment_score":0.10122592747211456,"channel":1,"num_words":1,"start":1890.8949,"end":1891.1349},{"sentences":[{"text":"okay.","start":1890.9451,"end":1891.4451,"sentiment":"neutral","sentiment_score":0.12308242917060852}],"sentiment":"neutral","sentiment_score":0.12308242917060852,"channel":0,"num_words":1,"start":1890.9451,"end":1891.4451},{"sentences":[{"text":"to go.","start":1891.1349,"end":1891.875,"sentiment":"neutral","sentiment_score":0.0829155407845974}],"sentiment":"neutral","sentiment_score":0.0829155407845974,"channel":1,"num_words":2,"start":1891.1349,"end":1891.875},{"sentences":[{"text":"That's","start":1892.545,"end":1892.785,"sentiment":"neutral","sentiment_score":0.056170545518398285}],"sentiment":"neutral","sentiment_score":0.056170545518398285,"channel":0,"num_words":1,"start":1892.545,"end":1892.785},{"sentences":[{"text":"But","start":1892.6,"end":1893.0,"sentiment":"neutral","sentiment_score":0.07921470701694489}],"sentiment":"neutral","sentiment_score":0.07921470701694489,"channel":1,"num_words":1,"start":1892.6,"end":1893.0},{"sentences":[{"text":"okay.","start":1892.785,"end":1893.285,"sentiment":"neutral","sentiment_score":0.1481533646583557}],"sentiment":"neutral","sentiment_score":0.1481533646583557,"channel":0,"num_words":1,"start":1892.785,"end":1893.285},{"sentences":[{"text":"everything you","start":1893.0,"end":1893.72,"sentiment":"neutral","sentiment_score":0.20661191642284393}],"sentiment":"neutral","sentiment_score":0.20661191642284393,"channel":1,"num_words":2,"start":1893.0,"end":1893.72},{"sentences":[{"text":"Can","start":1893.425,"end":1893.925,"sentiment":"neutral","sentiment_score":0.17352336645126343}],"sentiment":"neutral","sentiment_score":0.17352336645126343,"channel":0,"num_words":1,"start":1893.425,"end":1893.925},{"sentences":[{"text":"told me has been fine.","start":1893.72,"end":1895.3201,"sentiment":"positive","sentiment_score":0.4686754047870636},{"text":"I'm happy","start":1895.3201,"end":1895.8,"sentiment":"positive","sentiment_score":0.6652661859989166}],"sentiment":"positive","sentiment_score":0.5248441994190216,"channel":1,"num_words":7,"start":1893.72,"end":1895.8},{"sentences":[{"text":"yeah.","start":1895.665,"end":1896.165,"sentiment":"positive","sentiment_score":0.6146054267883301}],"sentiment":"positive","sentiment_score":0.6146054267883301,"channel":0,"num_words":1,"start":1895.665,"end":1896.165},{"sentences":[{"text":"with that.","start":1895.8,"end":1896.54,"sentiment":"positive","sentiment_score":0.5011187493801117}],"sentiment":"positive","sentiment_score":0.5011187493801117,"channel":1,"num_words":2,"start":1895.8,"end":1896.54},{"sentences":[{"text":"Can I show you one more thing before we go?","start":1896.7051,"end":1898.9451,"sentiment":"neutral","sentiment_score":0.07956184707581997},{"text":"Just","start":1898.9451,"end":1899.265,"sentiment":"neutral","sentiment_score":0.04131745174527168}],"sentiment":"neutral","sentiment_score":0.07608508386395195,"channel":0,"num_words":11,"start":1896.7051,"end":1899.265},{"sentences":[{"text":"Yes.","start":1899.24,"end":1899.74,"sentiment":"neutral","sentiment_score":0.060044437646865845}],"sentiment":"neutral","sentiment_score":0.060044437646865845,"channel":1,"num_words":1,"start":1899.24,"end":1899.74},{"sentences":[{"text":"a really important aspect of the fee structure.","start":1899.265,"end":1902.0,"sentiment":"neutral","sentiment_score":0.0933537119999528},{"text":"Just","start":1902.2999,"end":1902.62,"sentiment":"neutral","sentiment_score":0.060453228652477264}],"sentiment":"neutral","sentiment_score":0.08969810273912218,"channel":0,"num_words":9,"start":1899.265,"end":1902.62},{"sentences":[{"text":"Sure.","start":1902.4401,"end":1902.9401,"sentiment":"neutral","sentiment_score":0.08242051303386688}],"sentiment":"neutral","sentiment_score":0.08242051303386688,"channel":1,"num_words":1,"start":1902.4401,"end":1902.9401},{"sentences":[{"text":"on page 22, if you keep going down, we did talk before about the changes to make to your portfolio, and I did explain that your super fund does pay CDT or tax consequences as well.","start":1902.62,"end":1915.2,"sentiment":"neutral","sentiment_score":0.10677674071242411},{"text":"So we do know by making the changes above, all the red and green that you saw, the CGT expectation is only 1,385.","start":1915.485,"end":1924.6849,"sentiment":"neutral","sentiment_score":0.1525524268331735},{"text":"So to change and make changes to the portfolio, we expect your super fund to pay $1,385 in CGT.","start":1924.6849,"end":1932.57,"sentiment":"neutral","sentiment_score":0.1718309807934259},{"text":"It doesn't change the administration fees.","start":1933.51,"end":1935.59,"sentiment":"neutral","sentiment_score":0.1479396646221479},{"text":"They stay exactly the same, but the newer portfolio saves you $690 a year on investment fees.","start":1935.59,"end":1941.9099,"sentiment":"positive","sentiment_score":0.3486023676746032}],"sentiment":"neutral","sentiment_score":0.1725874787731336,"channel":0,"num_words":101,"start":1902.62,"end":1941.9099},{"sentences":[{"text":"So it does make your investment fees a bit cheaper as well there, Jason.","start":1941.9099,"end":1944.985,"sentiment":"positive","sentiment_score":0.44005703393902096},{"text":"Okay.","start":1944.985,"end":1945.485,"sentiment":"neutral","sentiment_score":0.18160778284072876}],"sentiment":"positive","sentiment_score":0.4228270838658015,"channel":0,"num_words":15,"start":1941.9099,"end":1945.485},{"sentences":[{"text":"So you think that's the best thing to do?","start":1946.57,"end":1948.99,"sentiment":"positive","sentiment_score":0.333838767475552}],"sentiment":"positive","sentiment_score":0.333838767475552,"channel":1,"num_words":9,"start":1946.57,"end":1948.99},{"sentences":[{"text":"Absolutely.","start":1949.385,"end":1949.885,"sentiment":"positive","sentiment_score":0.5430814623832703},{"text":"Saving fees,","start":1950.345,"end":1951.145,"sentiment":"positive","sentiment_score":0.3805615305900574}],"sentiment":"positive","sentiment_score":0.434734841187795,"channel":0,"num_words":3,"start":1949.385,"end":1951.145},{"sentences":[{"text":"Yeah.","start":1951.05,"end":1951.55,"sentiment":"positive","sentiment_score":0.6922923922538757}],"sentiment":"positive","sentiment_score":0.6922923922538757,"channel":1,"num_words":1,"start":1951.05,"end":1951.55},{"sentences":[{"text":"keeping more money in your super compounding for you is a really good idea.","start":1951.145,"end":1955.245,"sentiment":"positive","sentiment_score":0.7983740908758981},{"text":"It","start":1955.705,"end":1955.945,"sentiment":"positive","sentiment_score":0.6314464807510376}],"sentiment":"positive","sentiment_score":0.7872455835342407,"channel":0,"num_words":15,"start":1951.145,"end":1955.945},{"sentences":[{"text":"Yes.","start":1955.93,"end":1956.43,"sentiment":"positive","sentiment_score":0.6723324060440063}],"sentiment":"positive","sentiment_score":0.6723324060440063,"channel":1,"num_words":1,"start":1955.93,"end":1956.43},{"sentences":[{"text":"does work out better for yourself.","start":1955.945,"end":1957.64,"sentiment":"positive","sentiment_score":0.6405629614988962},{"text":"The CGT does mean that setting $100 is deducted for the tax side of things.","start":1958.02,"end":1963.62,"sentiment":"neutral","sentiment_score":0.21534789701302845},{"text":"But overall, when you consider that, it's a one off CGT consequence of setting $100.","start":1963.62,"end":1968.52,"sentiment":"neutral","sentiment_score":0.15890955030918122},{"text":"Whereas if you're then saving $690 on investment fees and you compound that or, you know, that over the next seven years is about $44,800 in fees that you've saved if it stays the same way.","start":1968.915,"end":1983.7001,"sentiment":"neutral","sentiment_score":0.26129427345262635},{"text":"So","start":1983.7001,"end":1984.2001,"sentiment":"neutral","sentiment_score":0.30530351400375366}],"sentiment":"neutral","sentiment_score":0.2625909155770524,"channel":0,"num_words":73,"start":1955.945,"end":1984.2001},{"sentences":[{"text":"Yes.","start":1983.75,"end":1984.25,"sentiment":"positive","sentiment_score":0.4339487552642822}],"sentiment":"positive","sentiment_score":0.4339487552642822,"channel":1,"num_words":1,"start":1983.75,"end":1984.25},{"sentences":[{"text":"that","start":1984.66,"end":1984.9801,"sentiment":"positive","sentiment_score":0.4550720751285553}],"sentiment":"positive","sentiment_score":0.4550720751285553,"channel":0,"num_words":1,"start":1984.66,"end":1984.9801},{"sentences":[{"text":"Okay.","start":1984.95,"end":1985.45,"sentiment":"positive","sentiment_score":0.5738983154296875}],"sentiment":"positive","sentiment_score":0.5738983154296875,"channel":1,"num_words":1,"start":1984.95,"end":1985.45},{"sentences":[{"text":"can make a much greater a difference for you.","start":1984.9801,"end":1987.78,"sentiment":"positive","sentiment_score":0.7152496245172288},{"text":"And the","start":1987.78,"end":1988.1001,"sentiment":"positive","sentiment_score":0.5372552871704102}],"sentiment":"positive","sentiment_score":0.6828870177268982,"channel":0,"num_words":11,"start":1984.9801,"end":1988.1001},{"sentences":[{"text":"Sure.","start":1988.065,"end":1988.465,"sentiment":"positive","sentiment_score":0.5573066473007202}],"sentiment":"positive","sentiment_score":0.5573066473007202,"channel":1,"num_words":1,"start":1988.065,"end":1988.465},{"sentences":[{"text":"newer","start":1988.1001,"end":1988.5801,"sentiment":"positive","sentiment_score":0.4706854224205017}],"sentiment":"positive","sentiment_score":0.4706854224205017,"channel":0,"num_words":1,"start":1988.1001,"end":1988.5801},{"sentences":[{"text":"Yep.","start":1988.465,"end":1988.965,"sentiment":"positive","sentiment_score":0.4261763095855713}],"sentiment":"positive","sentiment_score":0.4261763095855713,"channel":1,"num_words":1,"start":1988.465,"end":1988.965},{"sentences":[{"text":"portfolios had a higher past performance as well.","start":1988.5801,"end":1991.7001,"sentiment":"positive","sentiment_score":0.4454266279935837},{"text":"So when we look at that moving forward, it can obviously provide greater future performance, which is what we also wanna see.","start":1991.7001,"end":1998.895,"sentiment":"positive","sentiment_score":0.5022407526319678},{"text":"Okay.","start":1998.895,"end":1999.395,"sentiment":"neutral","sentiment_score":0.2378627210855484}],"sentiment":"positive","sentiment_score":0.47905071944959704,"channel":0,"num_words":31,"start":1988.5801,"end":1999.395},{"sentences":[{"text":"Yep.","start":2000.545,"end":2001.045,"sentiment":"neutral","sentiment_score":0.2589850127696991},{"text":"Good.","start":2001.265,"end":2001.72,"sentiment":"positive","sentiment_score":0.4361264705657959}],"sentiment":"positive","sentiment_score":0.3475557416677475,"channel":1,"num_words":2,"start":2000.545,"end":2001.72},{"sentences":[{"text":"Yeah.","start":2001.615,"end":2002.115,"sentiment":"positive","sentiment_score":0.4429552555084229},{"text":"Beautiful.","start":2002.255,"end":2002.755,"sentiment":"positive","sentiment_score":0.5669340491294861},{"text":"It does","start":2002.815,"end":2003.295,"sentiment":"neutral","sentiment_score":0.25783996284008026}],"sentiment":"positive","sentiment_score":0.38139230757951736,"channel":0,"num_words":4,"start":2001.615,"end":2003.295},{"sentences":[{"text":"So, yeah,","start":2003.08,"end":2003.48,"sentiment":"neutral","sentiment_score":0.15137013047933578}],"sentiment":"neutral","sentiment_score":0.15137013047933578,"channel":1,"num_words":2,"start":2003.08,"end":2003.48},{"sentences":[{"text":"sort of","start":2003.295,"end":2003.615,"sentiment":"neutral","sentiment_score":0.11048294603824615}],"sentiment":"neutral","sentiment_score":0.11048294603824615,"channel":0,"num_words":2,"start":2003.295,"end":2003.615},{"sentences":[{"text":"I made","start":2003.48,"end":2003.96,"sentiment":"neutral","sentiment_score":0.07442254945635796}],"sentiment":"neutral","sentiment_score":0.07442254945635796,"channel":1,"num_words":2,"start":2003.48,"end":2003.96},{"sentences":[{"text":"show on","start":2003.615,"end":2004.175,"sentiment":"neutral","sentiment_score":0.0725308358669281}],"sentiment":"neutral","sentiment_score":0.0725308358669281,"channel":0,"num_words":2,"start":2003.615,"end":2004.175},{"sentences":[{"text":"a sign something.","start":2003.96,"end":2005.1,"sentiment":"neutral","sentiment_score":0.08939217776060104}],"sentiment":"neutral","sentiment_score":0.08939217776060104,"channel":1,"num_words":3,"start":2003.96,"end":2005.1},{"sentences":[{"text":"yeah.","start":2005.695,"end":2005.9349,"sentiment":"neutral","sentiment_score":0.0731012225151062},{"text":"On","start":2005.9349,"end":2006.175,"sentiment":"neutral","sentiment_score":0.07373461127281189}],"sentiment":"neutral","sentiment_score":0.07341791689395905,"channel":0,"num_words":2,"start":2005.695,"end":2006.175},{"sentences":[{"text":"Sign","start":2005.96,"end":2006.28,"sentiment":"neutral","sentiment_score":0.09295482933521272}],"sentiment":"neutral","sentiment_score":0.09295482933521272,"channel":1,"num_words":1,"start":2005.96,"end":2006.28},{"sentences":[{"text":"the very","start":2006.175,"end":2006.495,"sentiment":"neutral","sentiment_score":0.1173553578555584}],"sentiment":"neutral","sentiment_score":0.1173553578555584,"channel":0,"num_words":2,"start":2006.175,"end":2006.495},{"sentences":[{"text":"this.","start":2006.28,"end":2006.78,"sentiment":"neutral","sentiment_score":0.1039099469780922}],"sentiment":"neutral","sentiment_score":0.1039099469780922,"channel":1,"num_words":1,"start":2006.28,"end":2006.78},{"sentences":[{"text":"last page, if you're comfortable to if you wanna take it back and read it over before you sign it, you absolutely can.","start":2006.495,"end":2012.55,"sentiment":"neutral","sentiment_score":0.14762066077926886},{"text":"I don't ever want you to sign anything you're not comfortable signing.","start":2012.55,"end":2015.3701,"sentiment":"neutral","sentiment_score":-0.0803944335008661},{"text":"So if you wanna take some time, read it over, and let me know if there's any questions you're allowed to.","start":2016.39,"end":2020.9701,"sentiment":"neutral","sentiment_score":0.06826370661812169},{"text":"Alternatively,","start":2021.27,"end":2021.77,"sentiment":"neutral","sentiment_score":0.03669304400682449}],"sentiment":"neutral","sentiment_score":0.0684346119105293,"channel":0,"num_words":57,"start":2006.495,"end":2021.77},{"sentences":[{"text":"Okay.","start":2021.8049,"end":2022.3049,"sentiment":"neutral","sentiment_score":0.0823068767786026}],"sentiment":"neutral","sentiment_score":0.0823068767786026,"channel":1,"num_words":1,"start":2021.8049,"end":2022.3049},{"sentences":[{"text":"if you decide you wanna sign it, I can always email it back to you so you've got it as a copy as well.","start":2021.91,"end":2026.975,"sentiment":"neutral","sentiment_score":0.13452671778698763},{"text":"It's up to you","start":2026.975,"end":2027.9349,"sentiment":"neutral","sentiment_score":0.12067721597850323}],"sentiment":"neutral","sentiment_score":0.13254821752863272,"channel":0,"num_words":28,"start":2021.91,"end":2027.9349},{"sentences":[{"text":"I","start":2027.8049,"end":2027.965,"sentiment":"neutral","sentiment_score":0.10852999985218048}],"sentiment":"neutral","sentiment_score":0.10852999985218048,"channel":1,"num_words":1,"start":2027.8049,"end":2027.965},{"sentences":[{"text":"how","start":2027.9349,"end":2028.0149,"sentiment":"neutral","sentiment_score":0.0913047045469284}],"sentiment":"neutral","sentiment_score":0.0913047045469284,"channel":0,"num_words":1,"start":2027.9349,"end":2028.0149},{"sentences":[{"text":"might","start":2027.965,"end":2028.465,"sentiment":"neutral","sentiment_score":0.08519450575113297}],"sentiment":"neutral","sentiment_score":0.08519450575113297,"channel":1,"num_words":1,"start":2027.965,"end":2028.465},{"sentences":[{"text":"you would like to proceed.","start":2028.0149,"end":2029.235,"sentiment":"neutral","sentiment_score":0.08335956484079361}],"sentiment":"neutral","sentiment_score":0.08335956484079361,"channel":0,"num_words":5,"start":2028.0149,"end":2029.235},{"sentences":[{"text":"I might just yeah.","start":2028.765,"end":2031.03,"sentiment":"neutral","sentiment_score":0.028698573354631662},{"text":"I told you that I've got a couple of mates that are bankers.","start":2031.03,"end":2035.2101,"sentiment":"neutral","sentiment_score":0.02939532124079191},{"text":"I wouldn't","start":2035.67,"end":2036.0701,"sentiment":"neutral","sentiment_score":0.0013279731792863458}],"sentiment":"neutral","sentiment_score":0.02629417978459969,"channel":1,"num_words":19,"start":2028.765,"end":2036.0701},{"sentences":[{"text":"Yeah.","start":2035.855,"end":2036.355,"sentiment":"neutral","sentiment_score":0.008414477109909058}],"sentiment":"neutral","sentiment_score":0.008414477109909058,"channel":0,"num_words":1,"start":2035.855,"end":2036.355},{"sentences":[{"text":"mind them just reading through this information before I sign it.","start":2036.0701,"end":2040.7301,"sentiment":"neutral","sentiment_score":0.01979662240906195}],"sentiment":"neutral","sentiment_score":0.01979662240906195,"channel":1,"num_words":11,"start":2036.0701,"end":2040.7301},{"sentences":[{"text":"Yeah.","start":2040.8949,"end":2041.215,"sentiment":"neutral","sentiment_score":0.05020090565085411}],"sentiment":"neutral","sentiment_score":0.05020090565085411,"channel":0,"num_words":1,"start":2040.8949,"end":2041.215},{"sentences":[{"text":"And, I","start":2041.03,"end":2041.3501,"sentiment":"neutral","sentiment_score":0.03845503553748131}],"sentiment":"neutral","sentiment_score":0.03845503553748131,"channel":1,"num_words":2,"start":2041.03,"end":2041.3501},{"sentences":[{"text":"That's","start":2041.215,"end":2041.62,"sentiment":"neutral","sentiment_score":0.07669569551944733}],"sentiment":"neutral","sentiment_score":0.07669569551944733,"channel":0,"num_words":1,"start":2041.215,"end":2041.62},{"sentences":[{"text":"mean,","start":2041.3501,"end":2041.75,"sentiment":"neutral","sentiment_score":0.09087104350328444}],"sentiment":"neutral","sentiment_score":0.09087104350328444,"channel":1,"num_words":1,"start":2041.3501,"end":2041.75},{"sentences":[{"text":"fine.","start":2041.7,"end":2042.2,"sentiment":"neutral","sentiment_score":0.09272637218236925}],"sentiment":"neutral","sentiment_score":0.09272637218236925,"channel":0,"num_words":1,"start":2041.7,"end":2042.2},{"sentences":[{"text":"if they come up with any yeah.","start":2041.75,"end":2044.39,"sentiment":"neutral","sentiment_score":0.05461254396608898},{"text":"What are you yeah.","start":2044.39,"end":2045.7001,"sentiment":"neutral","sentiment_score":0.048566121608018875},{"text":"Ask about this or that, then I can get back to you and ask you those questions.","start":2046.255,"end":2050.5151,"sentiment":"neutral","sentiment_score":0.10098436803502195},{"text":"Right?","start":2050.575,"end":2051.075,"sentiment":"neutral","sentiment_score":0.11039701104164124}],"sentiment":"neutral","sentiment_score":0.08288564006316251,"channel":1,"num_words":29,"start":2041.75,"end":2051.075},{"sentences":[{"text":"That's absolutely fine.","start":2051.06,"end":2052.42,"sentiment":"neutral","sentiment_score":0.23248371481895447},{"text":"Yeah.","start":2052.42,"end":2052.74,"sentiment":"neutral","sentiment_score":0.13149935007095337},{"text":"Definitely.","start":2052.74,"end":2053.24,"sentiment":"neutral","sentiment_score":0.14006105065345764}],"sentiment":"neutral","sentiment_score":0.1938023090362549,"channel":0,"num_words":5,"start":2051.06,"end":2053.24},{"sentences":[{"text":"Yeah.","start":2053.215,"end":2053.715,"sentiment":"neutral","sentiment_score":0.05591720342636109}],"sentiment":"neutral","sentiment_score":0.05591720342636109,"channel":1,"num_words":1,"start":2053.215,"end":2053.715},{"sentences":[{"text":"They're bankers, are they?","start":2053.46,"end":2054.66,"sentiment":"neutral","sentiment_score":0.02527844300493598},{"text":"They work in a","start":2054.66,"end":2055.635,"sentiment":"neutral","sentiment_score":0.0013408667291514575}],"sentiment":"neutral","sentiment_score":0.013309654867043719,"channel":0,"num_words":8,"start":2053.46,"end":2055.635},{"sentences":[{"text":"Well, one of them is a a close","start":2056.0151,"end":2059.215,"sentiment":"neutral","sentiment_score":-0.002323816472198814}],"sentiment":"neutral","sentiment_score":-0.002323816472198814,"channel":1,"num_words":8,"start":2056.0151,"end":2059.215},{"sentences":[{"text":"bank?","start":2058.815,"end":2059.315,"sentiment":"neutral","sentiment_score":0.0001798020675778389}],"sentiment":"neutral","sentiment_score":0.0001798020675778389,"channel":0,"num_words":1,"start":2058.815,"end":2059.315},{"sentences":[{"text":"friend.","start":2059.215,"end":2059.71,"sentiment":"neutral","sentiment_score":0.000651681562885642},{"text":"We call","start":2060.1099,"end":2060.67,"sentiment":"neutral","sentiment_score":0.005618880968540907}],"sentiment":"neutral","sentiment_score":0.003963147833322485,"channel":1,"num_words":3,"start":2059.215,"end":2060.67},{"sentences":[{"text":"Yeah.","start":2060.495,"end":2060.995,"sentiment":"neutral","sentiment_score":0.009228594601154327}],"sentiment":"neutral","sentiment_score":0.009228594601154327,"channel":0,"num_words":1,"start":2060.495,"end":2060.995},{"sentences":[{"text":"him the bank whore because he's","start":2060.67,"end":2062.51,"sentiment":"neutral","sentiment_score":0.002729431842453778}],"sentiment":"neutral","sentiment_score":0.002729431842453778,"channel":1,"num_words":6,"start":2060.67,"end":2062.51},{"sentences":[{"text":"Yeah.","start":2062.495,"end":2062.895,"sentiment":"neutral","sentiment_score":0.004560043103992939}],"sentiment":"neutral","sentiment_score":0.004560043103992939,"channel":0,"num_words":1,"start":2062.495,"end":2062.895},{"sentences":[{"text":"worked at","start":2062.51,"end":2063.07,"sentiment":"neutral","sentiment_score":-0.0016224184073507786}],"sentiment":"neutral","sentiment_score":-0.0016224184073507786,"channel":1,"num_words":2,"start":2062.51,"end":2063.07},{"sentences":[{"text":"Right.","start":2062.895,"end":2063.395,"sentiment":"neutral","sentiment_score":0.005040930118411779}],"sentiment":"neutral","sentiment_score":0.005040930118411779,"channel":0,"num_words":1,"start":2062.895,"end":2063.395},{"sentences":[{"text":"every bank, but now he's working at the government.","start":2063.07,"end":2066.6099,"sentiment":"neutral","sentiment_score":-0.001630651428260737},{"text":"So","start":2067.15,"end":2067.65,"sentiment":"neutral","sentiment_score":0.009027269668877125}],"sentiment":"neutral","sentiment_score":-0.0005648593185469508,"channel":1,"num_words":10,"start":2063.07,"end":2067.65},{"sentences":[{"text":"Yeah.","start":2067.455,"end":2067.855,"sentiment":"neutral","sentiment_score":0.0106256864964962}],"sentiment":"neutral","sentiment_score":0.0106256864964962,"channel":0,"num_words":1,"start":2067.455,"end":2067.855},{"sentences":[{"text":"he's","start":2067.71,"end":2068.03,"sentiment":"neutral","sentiment_score":0.005091582890599966}],"sentiment":"neutral","sentiment_score":0.005091582890599966,"channel":1,"num_words":1,"start":2067.71,"end":2068.03},{"sentences":[{"text":"Right.","start":2067.855,"end":2068.08,"sentiment":"neutral","sentiment_score":-0.003706446383148432}],"sentiment":"neutral","sentiment_score":-0.003706446383148432,"channel":0,"num_words":1,"start":2067.855,"end":2068.08},{"sentences":[{"text":"not working at a bank anymore, but he's worked,","start":2068.03,"end":2071.07,"sentiment":"neutral","sentiment_score":-0.04726434416241116}],"sentiment":"neutral","sentiment_score":-0.04726434416241116,"channel":1,"num_words":9,"start":2068.03,"end":2071.07},{"sentences":[{"text":"Yeah.","start":2070.96,"end":2071.2002,"sentiment":"neutral","sentiment_score":-0.01463652402162552}],"sentiment":"neutral","sentiment_score":-0.01463652402162552,"channel":0,"num_words":1,"start":2070.96,"end":2071.2002},{"sentences":[{"text":"like,","start":2071.07,"end":2071.57,"sentiment":"neutral","sentiment_score":-0.011454453691840172}],"sentiment":"neutral","sentiment_score":-0.011454453691840172,"channel":1,"num_words":1,"start":2071.07,"end":2071.57},{"sentences":[{"text":"Right.","start":2071.2002,"end":2071.7002,"sentiment":"neutral","sentiment_score":-0.010068596340715883}],"sentiment":"neutral","sentiment_score":-0.010068596340715883,"channel":0,"num_words":1,"start":2071.2002,"end":2071.7002},{"sentences":[{"text":"six different banks, and he's, yeah, he's the same age as me.","start":2072.03,"end":2075.955,"sentiment":"neutral","sentiment_score":-0.022248508563886087},{"text":"And now","start":2076.095,"end":2076.575,"sentiment":"neutral","sentiment_score":-0.03576516546308994}],"sentiment":"neutral","sentiment_score":-0.024179459549486637,"channel":1,"num_words":14,"start":2072.03,"end":2076.575},{"sentences":[{"text":"Yeah.","start":2076.4001,"end":2076.9001,"sentiment":"neutral","sentiment_score":-0.04252901673316955}],"sentiment":"neutral","sentiment_score":-0.04252901673316955,"channel":0,"num_words":1,"start":2076.4001,"end":2076.9001},{"sentences":[{"text":"he's got a cushy government job where he just rings up the farmers and tells them they can't have that loan.","start":2076.575,"end":2083.235,"sentiment":"neutral","sentiment_score":-0.08113056776069459}],"sentiment":"neutral","sentiment_score":-0.08113056776069459,"channel":1,"num_words":21,"start":2076.575,"end":2083.235},{"sentences":[{"text":"Oh, good.","start":2084.355,"end":2084.755,"sentiment":"neutral","sentiment_score":0.13285476341843605},{"text":"He's in lending.","start":2084.755,"end":2085.735,"sentiment":"neutral","sentiment_score":0.07508530716101329},{"text":"Yeah.","start":2085.875,"end":2086.375,"sentiment":"neutral","sentiment_score":0.05155700445175171}],"sentiment":"neutral","sentiment_score":0.09042040879527728,"channel":0,"num_words":6,"start":2084.355,"end":2086.375},{"sentences":[{"text":"Yeah.","start":2086.44,"end":2086.94,"sentiment":"neutral","sentiment_score":0.04740037769079208}],"sentiment":"neutral","sentiment_score":0.04740037769079208,"channel":1,"num_words":1,"start":2086.44,"end":2086.94},{"sentences":[{"text":"Yeah.","start":2086.515,"end":2087.015,"sentiment":"neutral","sentiment_score":0.03872255235910416}],"sentiment":"neutral","sentiment_score":0.03872255235910416,"channel":0,"num_words":1,"start":2086.515,"end":2087.015},{"sentences":[{"text":"Basically, government lending","start":2087.16,"end":2089.18,"sentiment":"neutral","sentiment_score":0.03484899736940861}],"sentiment":"neutral","sentiment_score":0.03484899736940861,"channel":1,"num_words":3,"start":2087.16,"end":2089.18},{"sentences":[{"text":"Yeah.","start":2088.995,"end":2089.495,"sentiment":"neutral","sentiment_score":0.04239186644554138}],"sentiment":"neutral","sentiment_score":0.04239186644554138,"channel":0,"num_words":1,"start":2088.995,"end":2089.495},{"sentences":[{"text":"for and then, yeah, twelve months, he did that, and then he was doing, like, fishery licensing and yeah.","start":2089.32,"end":2096.92,"sentiment":"neutral","sentiment_score":0.06204257376099888},{"text":"So he's got a pretty good gig with the government now","start":2096.92,"end":2100.075,"sentiment":"neutral","sentiment_score":0.2850316735831174}],"sentiment":"neutral","sentiment_score":0.14380524369577566,"channel":1,"num_words":30,"start":2089.32,"end":2100.075},{"sentences":[{"text":"Yeah.","start":2100.45,"end":2100.7698,"sentiment":"neutral","sentiment_score":0.055448152124881744}],"sentiment":"neutral","sentiment_score":0.055448152124881744,"channel":0,"num_words":1,"start":2100.45,"end":2100.7698},{"sentences":[{"text":"because","start":2100.555,"end":2100.875,"sentiment":"neutral","sentiment_score":-0.02621641755104065}],"sentiment":"neutral","sentiment_score":-0.02621641755104065,"channel":1,"num_words":1,"start":2100.555,"end":2100.875},{"sentences":[{"text":"No.","start":2100.7698,"end":2100.93,"sentiment":"neutral","sentiment_score":-0.13042640686035156}],"sentiment":"neutral","sentiment_score":-0.13042640686035156,"channel":0,"num_words":1,"start":2100.7698,"end":2100.93},{"sentences":[{"text":"you","start":2100.875,"end":2101.035,"sentiment":"neutral","sentiment_score":-0.1245722472667694}],"sentiment":"neutral","sentiment_score":-0.1245722472667694,"channel":1,"num_words":1,"start":2100.875,"end":2101.035},{"sentences":[{"text":"That's","start":2100.93,"end":2101.17,"sentiment":"neutral","sentiment_score":-0.19959859549999237}],"sentiment":"neutral","sentiment_score":-0.19959859549999237,"channel":0,"num_words":1,"start":2100.93,"end":2101.17},{"sentences":[{"text":"can","start":2101.035,"end":2101.275,"sentiment":"neutral","sentiment_score":-0.2874492406845093}],"sentiment":"neutral","sentiment_score":-0.2874492406845093,"channel":1,"num_words":1,"start":2101.035,"end":2101.275},{"sentences":[{"text":"absolutely","start":2101.17,"end":2101.67,"sentiment":"negative","sentiment_score":-0.3648950159549713}],"sentiment":"negative","sentiment_score":-0.3648950159549713,"channel":0,"num_words":1,"start":2101.17,"end":2101.67},{"sentences":[{"text":"never get sacked","start":2101.275,"end":2102.075,"sentiment":"neutral","sentiment_score":-0.32398966948191327}],"sentiment":"neutral","sentiment_score":-0.32398966948191327,"channel":1,"num_words":3,"start":2101.275,"end":2102.075},{"sentences":[{"text":"fine.","start":2101.8098,"end":2102.3098,"sentiment":"neutral","sentiment_score":-0.2830352187156677}],"sentiment":"neutral","sentiment_score":-0.2830352187156677,"channel":0,"num_words":1,"start":2101.8098,"end":2102.3098},{"sentences":[{"text":"from the government.","start":2102.075,"end":2102.9749,"sentiment":"neutral","sentiment_score":-0.1736622154712677},{"text":"Right?","start":2103.115,"end":2103.515,"sentiment":"neutral","sentiment_score":-0.043272703886032104},{"text":"It's pretty","start":2103.515,"end":2104.075,"sentiment":"neutral","sentiment_score":-0.09887894243001938}],"sentiment":"neutral","sentiment_score":-0.12700287252664566,"channel":1,"num_words":6,"start":2102.075,"end":2104.075},{"sentences":[{"text":"Yeah.","start":2103.97,"end":2104.2898,"sentiment":"neutral","sentiment_score":-0.14086797833442688}],"sentiment":"neutral","sentiment_score":-0.14086797833442688,"channel":0,"num_words":1,"start":2103.97,"end":2104.2898},{"sentences":[{"text":"hard to","start":2104.075,"end":2104.7349,"sentiment":"neutral","sentiment_score":-0.21164150536060333}],"sentiment":"neutral","sentiment_score":-0.21164150536060333,"channel":1,"num_words":2,"start":2104.075,"end":2104.7349},{"sentences":[{"text":"No.","start":2104.2898,"end":2104.7898,"sentiment":"neutral","sentiment_score":-0.1974974274635315},{"text":"Absolutely fine.","start":2105.17,"end":2106.21,"sentiment":"neutral","sentiment_score":0.0361802875995636},{"text":"That's not a problem at all.","start":2106.21,"end":2107.3298,"sentiment":"neutral","sentiment_score":0.2913414140542348},{"text":"If there are any questions, you're welcome to let me know.","start":2107.3298,"end":2109.735,"sentiment":"neutral","sentiment_score":0.24492236159064554}],"sentiment":"neutral","sentiment_score":0.21585288047790527,"channel":0,"num_words":20,"start":2104.2898,"end":2109.735},{"sentences":[{"text":"okay.","start":2110.2349,"end":2110.7349,"sentiment":"neutral","sentiment_score":0.1623295694589615}],"sentiment":"neutral","sentiment_score":0.1623295694589615,"channel":1,"num_words":1,"start":2110.2349,"end":2110.7349},{"sentences":[{"text":"Yeah.","start":2110.695,"end":2111.0952,"sentiment":"neutral","sentiment_score":0.09157317131757736},{"text":"Once you kind of have had a read through it, I would sort of say if you wanted to make these changes, try to make them as soon as possible.","start":2111.0952,"end":2117.415,"sentiment":"neutral","sentiment_score":0.015498044341802597},{"text":"So the longer","start":2117.415,"end":2118.0552,"sentiment":"neutral","sentiment_score":-0.0346200962861379}],"sentiment":"neutral","sentiment_score":0.013313359197448282,"channel":0,"num_words":34,"start":2110.695,"end":2118.0552},{"sentences":[{"text":"Sure.","start":2118.01,"end":2118.51,"sentiment":"neutral","sentiment_score":-0.029834944754838943}],"sentiment":"neutral","sentiment_score":-0.029834944754838943,"channel":1,"num_words":1,"start":2118.01,"end":2118.51},{"sentences":[{"text":"we wait, obviously, the the longer it can take to have those changes, and it","start":2118.0552,"end":2121.655,"sentiment":"neutral","sentiment_score":-0.08082371900478999}],"sentiment":"neutral","sentiment_score":-0.08082371900478999,"channel":0,"num_words":15,"start":2118.0552,"end":2121.655},{"sentences":[{"text":"Yeah.","start":2121.61,"end":2122.09,"sentiment":"neutral","sentiment_score":-0.0746520534157753}],"sentiment":"neutral","sentiment_score":-0.0746520534157753,"channel":1,"num_words":1,"start":2121.61,"end":2122.09},{"sentences":[{"text":"can affect your","start":2121.655,"end":2122.2952,"sentiment":"neutral","sentiment_score":-0.04697426284352938}],"sentiment":"neutral","sentiment_score":-0.04697426284352938,"channel":0,"num_words":3,"start":2121.655,"end":2122.2952},{"sentences":[{"text":"Yeah.","start":2122.09,"end":2122.4102,"sentiment":"neutral","sentiment_score":-0.013980485498905182}],"sentiment":"neutral","sentiment_score":-0.013980485498905182,"channel":1,"num_words":1,"start":2122.09,"end":2122.4102},{"sentences":[{"text":"performance","start":2122.2952,"end":2122.7952,"sentiment":"neutral","sentiment_score":-0.029005028307437897}],"sentiment":"neutral","sentiment_score":-0.029005028307437897,"channel":0,"num_words":1,"start":2122.2952,"end":2122.7952},{"sentences":[{"text":"Yeah.","start":2122.4102,"end":2122.73,"sentiment":"neutral","sentiment_score":0.01167222484946251},{"text":"Yeah.","start":2122.73,"end":2123.23,"sentiment":"neutral","sentiment_score":0.01699879951775074}],"sentiment":"neutral","sentiment_score":0.014335512183606625,"channel":1,"num_words":2,"start":2122.4102,"end":2123.23},{"sentences":[{"text":"side of things.","start":2122.8552,"end":2123.495,"sentiment":"neutral","sentiment_score":0.0178579892963171},{"text":"So but let me know if there's any questions you have.","start":2123.495,"end":2125.75,"sentiment":"neutral","sentiment_score":0.10491083291443912},{"text":"I'm always happy to answer them.","start":2125.75,"end":2126.95,"sentiment":"positive","sentiment_score":0.3903175989786784},{"text":"Did you want me to go back and just have a look at the c bus and get that additional growth rate for you, or you're","start":2126.95,"end":2131.8298,"sentiment":"neutral","sentiment_score":0.04304317936587792}],"sentiment":"neutral","sentiment_score":0.10149176928984083,"channel":0,"num_words":46,"start":2122.8552,"end":2131.8298},{"sentences":[{"text":"No.","start":2131.655,"end":2132.155,"sentiment":"neutral","sentiment_score":-0.24371612071990967}],"sentiment":"neutral","sentiment_score":-0.24371612071990967,"channel":1,"num_words":1,"start":2131.655,"end":2132.155},{"sentences":[{"text":"happy just to","start":2131.8298,"end":2132.5498,"sentiment":"neutral","sentiment_score":-0.2601076165835063}],"sentiment":"neutral","sentiment_score":-0.2601076165835063,"channel":0,"num_words":3,"start":2131.8298,"end":2132.5498},{"sentences":[{"text":"I","start":2132.535,"end":2132.695,"sentiment":"neutral","sentiment_score":-0.2918410003185272}],"sentiment":"neutral","sentiment_score":-0.2918410003185272,"channel":1,"num_words":1,"start":2132.535,"end":2132.695},{"sentences":[{"text":"leave","start":2132.5498,"end":2132.71,"sentiment":"neutral","sentiment_score":-0.2975603938102722}],"sentiment":"neutral","sentiment_score":-0.2975603938102722,"channel":0,"num_words":1,"start":2132.5498,"end":2132.71},{"sentences":[{"text":"don't","start":2132.695,"end":2133.015,"sentiment":"neutral","sentiment_score":-0.2187255620956421}],"sentiment":"neutral","sentiment_score":-0.2187255620956421,"channel":1,"num_words":1,"start":2132.695,"end":2133.015},{"sentences":[{"text":"it for the","start":2132.71,"end":2133.1099,"sentiment":"neutral","sentiment_score":-0.22841188311576843}],"sentiment":"neutral","sentiment_score":-0.22841188311576843,"channel":0,"num_words":3,"start":2132.71,"end":2133.1099},{"sentences":[{"text":"think","start":2133.015,"end":2133.335,"sentiment":"neutral","sentiment_score":-0.20755954086780548}],"sentiment":"neutral","sentiment_score":-0.20755954086780548,"channel":1,"num_words":1,"start":2133.015,"end":2133.335},{"sentences":[{"text":"moment?","start":2133.1099,"end":2133.6099,"sentiment":"neutral","sentiment_score":-0.16275647282600403}],"sentiment":"neutral","sentiment_score":-0.16275647282600403,"channel":0,"num_words":1,"start":2133.1099,"end":2133.6099},{"sentences":[{"text":"so, mate.","start":2133.335,"end":2134.075,"sentiment":"neutral","sentiment_score":-0.05676611699163914}],"sentiment":"neutral","sentiment_score":-0.05676611699163914,"channel":1,"num_words":2,"start":2133.335,"end":2134.075},{"sentences":[{"text":"No.","start":2134.0698,"end":2134.3098,"sentiment":"neutral","sentiment_score":-0.17349502444267273}],"sentiment":"neutral","sentiment_score":-0.17349502444267273,"channel":0,"num_words":1,"start":2134.0698,"end":2134.3098},{"sentences":[{"text":"I","start":2134.215,"end":2134.455,"sentiment":"neutral","sentiment_score":-0.174001082777977}],"sentiment":"neutral","sentiment_score":-0.174001082777977,"channel":1,"num_words":1,"start":2134.215,"end":2134.455},{"sentences":[{"text":"That's","start":2134.3098,"end":2134.63,"sentiment":"neutral","sentiment_score":-0.14929869771003723}],"sentiment":"neutral","sentiment_score":-0.14929869771003723,"channel":0,"num_words":1,"start":2134.3098,"end":2134.63},{"sentences":[{"text":"I","start":2134.455,"end":2134.695,"sentiment":"neutral","sentiment_score":-0.1586606502532959}],"sentiment":"neutral","sentiment_score":-0.1586606502532959,"channel":1,"num_words":1,"start":2134.455,"end":2134.695},{"sentences":[{"text":"okay.","start":2134.63,"end":2135.13,"sentiment":"neutral","sentiment_score":-0.09082445502281188}],"sentiment":"neutral","sentiment_score":-0.09082445502281188,"channel":0,"num_words":1,"start":2134.63,"end":2135.13},{"sentences":[{"text":"understand.","start":2134.695,"end":2135.195,"sentiment":"neutral","sentiment_score":-0.06980336457490921},{"text":"Yeah.","start":2135.415,"end":2135.655,"sentiment":"neutral","sentiment_score":-0.1227199137210846},{"text":"I wouldn't","start":2135.655,"end":2136.135,"sentiment":"neutral","sentiment_score":-0.1864017993211746}],"sentiment":"neutral","sentiment_score":-0.14133171923458576,"channel":1,"num_words":4,"start":2134.695,"end":2136.135},{"sentences":[{"text":"Yeah.","start":2136.0698,"end":2136.5698,"sentiment":"neutral","sentiment_score":-0.18349634110927585}],"sentiment":"neutral","sentiment_score":-0.18349634110927585,"channel":0,"num_words":1,"start":2136.0698,"end":2136.5698},{"sentences":[{"text":"bother.","start":2136.135,"end":2136.615,"sentiment":"neutral","sentiment_score":-0.25543421506881714},{"text":"I mean, yeah, they're they're only gonna try and sell themselves anyway.","start":2136.615,"end":2142.1501,"sentiment":"neutral","sentiment_score":-0.26168278977274895},{"text":"Right?","start":2142.1501,"end":2142.6501,"sentiment":"neutral","sentiment_score":-0.0692785456776619},{"text":"So","start":2142.79,"end":2143.29,"sentiment":"neutral","sentiment_score":-0.06617994606494904}],"sentiment":"neutral","sentiment_score":-0.2354057456056277,"channel":1,"num_words":15,"start":2136.135,"end":2143.29},{"sentences":[{"text":"Yeah.","start":2142.865,"end":2143.2651,"sentiment":"neutral","sentiment_score":-0.01598348282277584},{"text":"That's exactly","start":2143.2651,"end":2144.065,"sentiment":"neutral","sentiment_score":0.0031073864083737135}],"sentiment":"neutral","sentiment_score":-0.003256236668676138,"channel":0,"num_words":3,"start":2142.865,"end":2144.065},{"sentences":[{"text":"yeah.","start":2143.9102,"end":2144.4102,"sentiment":"neutral","sentiment_score":0.016287680715322495}],"sentiment":"neutral","sentiment_score":0.016287680715322495,"channel":1,"num_words":1,"start":2143.9102,"end":2144.4102},{"sentences":[{"text":"what they do.","start":2144.065,"end":2144.625,"sentiment":"neutral","sentiment_score":-0.026194124793012936},{"text":"Whereas I'm not licensed to any particular fund.","start":2144.625,"end":2147.345,"sentiment":"neutral","sentiment_score":-0.1352079901844263},{"text":"Everything I do has to be in your best interest.","start":2147.345,"end":2149.745,"sentiment":"neutral","sentiment_score":0.06349638774991036},{"text":"That's why I outlined the best interest, Judy, the advantages, the disadvantages, the risks involved.","start":2149.745,"end":2154.79,"sentiment":"neutral","sentiment_score":0.1331978425383568},{"text":"And as I said, I'm very open and upfront with everything.","start":2154.85,"end":2157.8901,"sentiment":"neutral","sentiment_score":0.3096127306873148}],"sentiment":"neutral","sentiment_score":0.10379628206979721,"channel":0,"num_words":47,"start":2144.065,"end":2157.8901},{"sentences":[{"text":"I'll give you","start":2157.8901,"end":2158.4502,"sentiment":"neutral","sentiment_score":0.15484781563282013}],"sentiment":"neutral","sentiment_score":0.15484781563282013,"channel":0,"num_words":3,"start":2157.8901,"end":2158.4502},{"sentences":[{"text":"Yeah.","start":2158.335,"end":2158.575,"sentiment":"neutral","sentiment_score":0.08521720767021179}],"sentiment":"neutral","sentiment_score":0.08521720767021179,"channel":1,"num_words":1,"start":2158.335,"end":2158.575},{"sentences":[{"text":"the","start":2158.4502,"end":2158.61,"sentiment":"neutral","sentiment_score":0.03468228131532669}],"sentiment":"neutral","sentiment_score":0.03468228131532669,"channel":0,"num_words":1,"start":2158.4502,"end":2158.61},{"sentences":[{"text":"No.","start":2158.575,"end":2158.895,"sentiment":"neutral","sentiment_score":0.014982260763645172}],"sentiment":"neutral","sentiment_score":0.014982260763645172,"channel":1,"num_words":1,"start":2158.575,"end":2158.895},{"sentences":[{"text":"returns","start":2158.61,"end":2159.11,"sentiment":"neutral","sentiment_score":0.026608631014823914}],"sentiment":"neutral","sentiment_score":0.026608631014823914,"channel":0,"num_words":1,"start":2158.61,"end":2159.11},{"sentences":[{"text":"That's","start":2158.895,"end":2159.295,"sentiment":"positive","sentiment_score":0.34524327516555786}],"sentiment":"positive","sentiment_score":0.34524327516555786,"channel":1,"num_words":1,"start":2158.895,"end":2159.295},{"sentences":[{"text":"on","start":2159.1702,"end":2159.33,"sentiment":"positive","sentiment_score":0.3626514375209808}],"sentiment":"positive","sentiment_score":0.3626514375209808,"channel":0,"num_words":1,"start":2159.1702,"end":2159.33},{"sentences":[{"text":"perfect.","start":2159.295,"end":2159.795,"sentiment":"positive","sentiment_score":0.3781578540802002}],"sentiment":"positive","sentiment_score":0.3781578540802002,"channel":1,"num_words":1,"start":2159.295,"end":2159.795},{"sentences":[{"text":"the station, and you get to decide what you wanna do moving forward.","start":2159.33,"end":2163.09,"sentiment":"positive","sentiment_score":0.38880854271925414},{"text":"I don't want you to feel pressured into anything you're not comfortable doing.","start":2163.09,"end":2166.355,"sentiment":"neutral","sentiment_score":-0.1618807901843236},{"text":"Okay?","start":2166.415,"end":2166.915,"sentiment":"neutral","sentiment_score":0.08577358722686768}],"sentiment":"neutral","sentiment_score":0.11243831000670239,"channel":0,"num_words":27,"start":2159.33,"end":2166.915},{"sentences":[{"text":"Righto.","start":2167.615,"end":2168.115,"sentiment":"neutral","sentiment_score":0.20321588218212128}],"sentiment":"neutral","sentiment_score":0.20321588218212128,"channel":1,"num_words":1,"start":2167.615,"end":2168.115},{"sentences":[{"text":"Easy.","start":2168.895,"end":2169.395,"sentiment":"neutral","sentiment_score":0.3026306629180908}],"sentiment":"neutral","sentiment_score":0.3026306629180908,"channel":0,"num_words":1,"start":2168.895,"end":2169.395},{"sentences":[{"text":"Okay.","start":2169.19,"end":2169.51,"sentiment":"neutral","sentiment_score":0.29667121171951294},{"text":"Thanks, mate.","start":2169.51,"end":2170.4102,"sentiment":"positive","sentiment_score":0.6764308214187622}],"sentiment":"positive","sentiment_score":0.5498442848523458,"channel":1,"num_words":3,"start":2169.19,"end":2170.4102},{"sentences":[{"text":"Thanks.","start":2170.175,"end":2170.675,"sentiment":"positive","sentiment_score":0.5984530448913574},{"text":"My","start":2170.7349,"end":2171.055,"sentiment":"neutral","sentiment_score":0.32457461953163147}],"sentiment":"positive","sentiment_score":0.46151383221149445,"channel":0,"num_words":2,"start":2170.175,"end":2171.055},{"sentences":[{"text":"Take","start":2171.03,"end":2171.27,"sentiment":"positive","sentiment_score":0.5402594804763794}],"sentiment":"positive","sentiment_score":0.5402594804763794,"channel":1,"num_words":1,"start":2171.03,"end":2171.27},{"sentences":[{"text":"pleasure.","start":2171.055,"end":2171.455,"sentiment":"positive","sentiment_score":0.54091876745224}],"sentiment":"positive","sentiment_score":0.54091876745224,"channel":0,"num_words":1,"start":2171.055,"end":2171.455},{"sentences":[{"text":"it easy,","start":2171.27,"end":2171.83,"sentiment":"positive","sentiment_score":0.4632493555545807}],"sentiment":"positive","sentiment_score":0.4632493555545807,"channel":1,"num_words":2,"start":2171.27,"end":2171.83},{"sentences":[{"text":"You have a","start":2171.455,"end":2171.935,"sentiment":"positive","sentiment_score":0.5180982152620951}],"sentiment":"positive","sentiment_score":0.5180982152620951,"channel":0,"num_words":3,"start":2171.455,"end":2171.935},{"sentences":[{"text":"Donna.","start":2171.83,"end":2172.23,"sentiment":"positive","sentiment_score":0.33655840158462524}],"sentiment":"positive","sentiment_score":0.33655840158462524,"channel":1,"num_words":1,"start":2171.83,"end":2172.23},{"sentences":[{"text":"great","start":2171.935,"end":2172.255,"sentiment":"positive","sentiment_score":0.6326853036880493}],"sentiment":"positive","sentiment_score":0.6326853036880493,"channel":0,"num_words":1,"start":2171.935,"end":2172.255},{"sentences":[{"text":"I'll","start":2172.23,"end":2172.47,"sentiment":"positive","sentiment_score":0.6194559335708618}],"sentiment":"positive","sentiment_score":0.6194559335708618,"channel":1,"num_words":1,"start":2172.23,"end":2172.47},{"sentences":[{"text":"night.","start":2172.255,"end":2172.755,"sentiment":"positive","sentiment_score":0.5392863750457764}],"sentiment":"positive","sentiment_score":0.5392863750457764,"channel":0,"num_words":1,"start":2172.255,"end":2172.755},{"sentences":[{"text":"talk to you soon.","start":2172.47,"end":2173.53,"sentiment":"positive","sentiment_score":0.43839026242494583}],"sentiment":"positive","sentiment_score":0.43839026242494583,"channel":1,"num_words":4,"start":2172.47,"end":2173.53},{"sentences":[{"text":"Will do.","start":2174.015,"end":2175.075,"sentiment":"neutral","sentiment_score":0.32895973324775696}],"sentiment":"neutral","sentiment_score":0.32895973324775696,"channel":0,"num_words":2,"start":2174.015,"end":2175.075},{"sentences":[{"text":"If","start":2175.6702,"end":2176.07,"sentiment":"neutral","sentiment_score":0.0322854109108448}],"sentiment":"neutral","sentiment_score":0.0322854109108448,"channel":1,"num_words":1,"start":2175.6702,"end":2176.07},{"sentences":[{"text":"You","start":2175.935,"end":2176.095,"sentiment":"neutral","sentiment_score":0.011920738965272903}],"sentiment":"neutral","sentiment_score":0.011920738965272903,"channel":0,"num_words":1,"start":2175.935,"end":2176.095},{"sentences":[{"text":"if","start":2176.07,"end":2176.23,"sentiment":"neutral","sentiment_score":0.016687598079442978}],"sentiment":"neutral","sentiment_score":0.016687598079442978,"channel":1,"num_words":1,"start":2176.07,"end":2176.23},{"sentences":[{"text":"have","start":2176.095,"end":2176.255,"sentiment":"neutral","sentiment_score":-0.025464244186878204}],"sentiment":"neutral","sentiment_score":-0.025464244186878204,"channel":0,"num_words":1,"start":2176.095,"end":2176.255},{"sentences":[{"text":"you","start":2176.23,"end":2176.47,"sentiment":"neutral","sentiment_score":-0.014065518975257874}],"sentiment":"neutral","sentiment_score":-0.014065518975257874,"channel":1,"num_words":1,"start":2176.23,"end":2176.47},{"sentences":[{"text":"a good","start":2176.255,"end":2176.74,"sentiment":"neutral","sentiment_score":-0.0239140335470438}],"sentiment":"neutral","sentiment_score":-0.0239140335470438,"channel":0,"num_words":2,"start":2176.255,"end":2176.74},{"sentences":[{"text":"haven't heard from me, just shoot","start":2176.47,"end":2178.31,"sentiment":"neutral","sentiment_score":-0.017375010686616104}],"sentiment":"neutral","sentiment_score":-0.017375010686616104,"channel":1,"num_words":6,"start":2176.47,"end":2178.31},{"sentences":[{"text":"yep.","start":2178.1,"end":2178.6,"sentiment":"neutral","sentiment_score":0.02687053196132183}],"sentiment":"neutral","sentiment_score":0.02687053196132183,"channel":0,"num_words":1,"start":2178.1,"end":2178.6},{"sentences":[{"text":"me another email and say hurry","start":2178.31,"end":2180.1501,"sentiment":"neutral","sentiment_score":-0.0054616983979940414}],"sentiment":"neutral","sentiment_score":-0.0054616983979940414,"channel":1,"num_words":6,"start":2178.31,"end":2180.1501},{"sentences":[{"text":"Yep.","start":2179.94,"end":2180.44,"sentiment":"neutral","sentiment_score":0.05804837495088577}],"sentiment":"neutral","sentiment_score":0.05804837495088577,"channel":0,"num_words":1,"start":2179.94,"end":2180.44},{"sentences":[{"text":"up or something","start":2180.1501,"end":2181.03,"sentiment":"neutral","sentiment_score":0.0819802184899648}],"sentiment":"neutral","sentiment_score":0.0819802184899648,"channel":1,"num_words":3,"start":2180.1501,"end":2181.03},{"sentences":[{"text":"I","start":2180.9,"end":2181.22,"sentiment":"neutral","sentiment_score":0.18051999807357788}],"sentiment":"neutral","sentiment_score":0.18051999807357788,"channel":0,"num_words":1,"start":2180.9,"end":2181.22},{"sentences":[{"text":"like that.","start":2181.03,"end":2181.4302,"sentiment":"neutral","sentiment_score":0.20619450509548187}],"sentiment":"neutral","sentiment_score":0.20619450509548187,"channel":1,"num_words":2,"start":2181.03,"end":2181.4302},{"sentences":[{"text":"will.","start":2181.22,"end":2181.72,"sentiment":"neutral","sentiment_score":0.04954070597887039}],"sentiment":"neutral","sentiment_score":0.04954070597887039,"channel":0,"num_words":1,"start":2181.22,"end":2181.72},{"sentences":[{"text":"Right?","start":2181.4302,"end":2181.6702,"sentiment":"neutral","sentiment_score":0.05637047067284584},{"text":"Because I've got","start":2181.6702,"end":2182.3901,"sentiment":"neutral","sentiment_score":0.051484622061252594}],"sentiment":"neutral","sentiment_score":0.052706084214150906,"channel":1,"num_words":4,"start":2181.4302,"end":2182.3901},{"sentences":[{"text":"I'll","start":2182.26,"end":2182.5,"sentiment":"neutral","sentiment_score":0.09379060566425323}],"sentiment":"neutral","sentiment_score":0.09379060566425323,"channel":0,"num_words":1,"start":2182.26,"end":2182.5},{"sentences":[{"text":"a bit","start":2182.3901,"end":2182.79,"sentiment":"neutral","sentiment_score":0.12628428265452385}],"sentiment":"neutral","sentiment_score":0.12628428265452385,"channel":1,"num_words":2,"start":2182.3901,"end":2182.79},{"sentences":[{"text":"give you","start":2182.5,"end":2182.9,"sentiment":"neutral","sentiment_score":0.15161532163619995}],"sentiment":"neutral","sentiment_score":0.15161532163619995,"channel":0,"num_words":2,"start":2182.5,"end":2182.9},{"sentences":[{"text":"going","start":2182.79,"end":2183.11,"sentiment":"neutral","sentiment_score":0.25373178720474243}],"sentiment":"neutral","sentiment_score":0.25373178720474243,"channel":1,"num_words":1,"start":2182.79,"end":2183.11},{"sentences":[{"text":"a buzz.","start":2182.9,"end":2183.48,"sentiment":"neutral","sentiment_score":0.1826571822166443}],"sentiment":"neutral","sentiment_score":0.1826571822166443,"channel":0,"num_words":2,"start":2182.9,"end":2183.48},{"sentences":[{"text":"on.","start":2183.11,"end":2183.565,"sentiment":"neutral","sentiment_score":0.056844912469387054},{"text":"Alright.","start":2184.125,"end":2184.625,"sentiment":"neutral","sentiment_score":0.26952871680259705}],"sentiment":"neutral","sentiment_score":0.16318681463599205,"channel":1,"num_words":2,"start":2183.11,"end":2184.625},{"sentences":[{"text":"Absolutely.","start":2184.42,"end":2184.92,"sentiment":"positive","sentiment_score":0.5229784250259399}],"sentiment":"positive","sentiment_score":0.5229784250259399,"channel":0,"num_words":1,"start":2184.42,"end":2184.92},{"sentences":[{"text":"Thank you very much for your time.","start":2184.685,"end":2186.545,"sentiment":"positive","sentiment_score":0.8100457276616778}],"sentiment":"positive","sentiment_score":0.8100457276616778,"channel":1,"num_words":7,"start":2184.685,"end":2186.545},{"sentences":[{"text":"My pleasure, Jason.","start":2186.74,"end":2187.7,"sentiment":"positive","sentiment_score":0.6484503149986267},{"text":"Thank you for taking","start":2187.7,"end":2188.58,"sentiment":"positive","sentiment_score":0.6645240783691406}],"sentiment":"positive","sentiment_score":0.6576353226389203,"channel":0,"num_words":7,"start":2186.74,"end":2188.58},{"sentences":[{"text":"See","start":2188.4448,"end":2188.605,"sentiment":"positive","sentiment_score":0.4742880463600158}],"sentiment":"positive","sentiment_score":0.4742880463600158,"channel":1,"num_words":1,"start":2188.4448,"end":2188.605},{"sentences":[{"text":"my","start":2188.58,"end":2188.74,"sentiment":"positive","sentiment_score":0.5534166097640991}],"sentiment":"positive","sentiment_score":0.5534166097640991,"channel":0,"num_words":1,"start":2188.58,"end":2188.74},{"sentences":[{"text":"you.","start":2188.605,"end":2189.005,"sentiment":"positive","sentiment_score":0.5453177690505981}],"sentiment":"positive","sentiment_score":0.5453177690505981,"channel":1,"num_words":1,"start":2188.605,"end":2189.005},{"sentences":[{"text":"call.","start":2188.74,"end":2188.98,"sentiment":"positive","sentiment_score":0.4451858401298523},{"text":"You","start":2188.98,"end":2189.14,"sentiment":"neutral","sentiment_score":0.3081751763820648}],"sentiment":"positive","sentiment_score":0.37668050825595856,"channel":0,"num_words":2,"start":2188.74,"end":2189.14},{"sentences":[{"text":"Bye.","start":2189.005,"end":2189.505,"sentiment":"neutral","sentiment_score":0.3283551037311554}],"sentiment":"neutral","sentiment_score":0.3283551037311554,"channel":1,"num_words":1,"start":2189.005,"end":2189.505},{"sentences":[{"text":"have a great evening.","start":2189.14,"end":2190.1,"sentiment":"positive","sentiment_score":0.6823258697986603},{"text":"See you later.","start":2190.1,"end":2190.92,"sentiment":"positive","sentiment_score":0.5244290431340536}],"sentiment":"positive","sentiment_score":0.6146558012281146,"channel":0,"num_words":7,"start":2189.14,"end":2190.92},{"sentences":[{"text":"Bye.","start":2191.2449,"end":2191.7449,"sentiment":"neutral","sentiment_score":-0.10111083835363388}],"sentiment":"neutral","sentiment_score":-0.10111083835363388,"channel":1,"num_words":1,"start":2191.2449,"end":2191.7449}]},"summary":{"result":"success","short":"A representative from OQ Financial, named Dana Oakley Financial, called Jason to go through his updated statement of advice and discuss his risk profile and portfolio. They also updated his assets and liabilities, including his home value and insurance coverage, recommend retaining his C bus super fund, and recommend moving into a high growth environment with a new adviser platform. The speaker recommends retaining the customer's super fund and moving into a high growth environment with a new adviser platform. They also discussed the benefits of staying with the company for a longer period of time and emphasize the importance of maintaining a low risk level and maintaining longevity for future income. The speaker also suggested consolidating retirement plans into a hub and saving money on investment fees."},"intents":{"segments":[{"text":"Called your name and reason for calling. I'll see if this person is available. Dana Oakley Financial.","start_word":1,"end_word":17,"intents":[{"intent":"Schedule call","confidence_score":0.07365049}]},{"text":"So if you press the signature button, it'll let you go through forward so you can just review the document. Does it say sign document?","start_word":342,"end_word":366,"intents":[{"intent":"Review document","confidence_score":0.34616518}]},{"text":"Does it say sign document? Is that Yep. what you mean? Yeah. Yeah. I won't ever ask you to sign anything you haven't read, but this allows you to be able to scroll up and down so you can view the document. That way, I'm not talking at you, and you can see exactly what I'm talking about. Yeah. Text three.","start_word":362,"end_word":422,"intents":[{"intent":"Simplify document","confidence_score":0.00062484}]},{"text":"When we did your annual review last, we sort of talked about looking at the retention side of things. So you had a bit of extra money sitting in your c bus account. We wanted to go back and review the investments within Hub twenty four and c bus to make sure that everything was in line with your risk profile.","start_word":528,"end_word":588,"intents":[{"intent":"Review investments","confidence_score":0.746144}]},{"text":"So we've looked at increasing your risk level a little bit, but also readjusting your portfolio to make sure that you're inside that risk level, but also that your super fund is working at its best possible capacity. Okay? Hello?","start_word":638,"end_word":677,"intents":[{"intent":"Assess risk level","confidence_score":0.037291925},{"intent":"Adjust portfolio","confidence_score":0.1373195}]},{"text":"I've also scoped in the estate planning side of things.","start_word":678,"end_word":687,"intents":[{"intent":"Review estate planning","confidence_score":0.08079156}]},{"text":"We are not making any new recommendations around TV or income protection, so you are happy with the level of cover you had in c bus at the moment and your personally paid direct policy with the income protection.","start_word":726,"end_word":764,"intents":[{"intent":"Recommend tv investment","confidence_score":0.0000019279578}]},{"text":"We are not making any new recommendations around TV or income protection, so you are happy with the level of cover you had in c bus at the moment and your personally paid direct policy with the income protection. We just want to retain, obviously, the c bus account to retain the level of cover you have.","start_word":726,"end_word":782,"intents":[{"intent":"Remain level of coverage","confidence_score":0.008309293},{"intent":"Update and update c bus account","confidence_score":0.00005700933}]},{"text":"And you don't have any life or trauma cover. You weren't wanting to get any new insurances other than what you already held, so we're not making any recommendations around that. We've also scoped out debt management and additional contributions. So you didn't wanna make any additional contributions Okay. yet.","start_word":834,"end_word":883,"intents":[{"intent":"Suggest new insurances","confidence_score":0.00089875126}]},{"text":"You were hoping to, pay down your mortgage first, have that all covered, then make additional contributions down the track. Does that still sound appropriate for you?","start_word":884,"end_word":910,"intents":[{"intent":"Consider added payments","confidence_score":7.387228e-7}]},{"text":"As you get through pages number nine and ten, it does have a list of your assets and liabilities on page 10 there, just what we had noted at our last conversation. If I can just get you to run your eyes over that for me. I know your mortgage hopefully has been paid down a little bit there. Is there anything that you would like me to have updated in the back end that may have changed since we last called out?","start_word":927,"end_word":1009,"intents":[{"intent":"Update and update info","confidence_score":0.000007360525}]},{"text":"about updating the advice document because it doesn't change any of the advice provided, but it's good to update it in the back end for you just so we can have things updated and reflective. Yeah.","start_word":1346,"end_word":1381,"intents":[{"intent":"Update advisor document","confidence_score":0.0012847078}]},{"text":"We are recommending that you do retain your CBass super fund to retain your insurances, but we only wanna hold that with a minimum amount of cover.","start_word":1634,"end_word":1660,"intents":[{"intent":"Retain cbass super fund","confidence_score":0.27415416}]},{"text":"It is still a great fund and still has the most amount of investment options to be able to adjust your portfolio within. Okay? Okay.","start_word":1873,"end_word":1897,"intents":[{"intent":"Optimize fund performance","confidence_score":0.037868556}]},{"text":"So I'm also recommending as part of the advice that you make that small change. And every week or fortnight, you just make that additional contribution in and out of your self employed wages. Okay? Yeah.","start_word":2123,"end_word":2158,"intents":[{"intent":"Make a small changes","confidence_score":0.0000020102484}]},{"text":"I'm also recommending that we increase your risk in the portfolio and move into more of a high growth environment as well. We'll make sure we monitor that moving forward. So when and if you decide you'll no longer feel that that's appropriate or you're a bit concerned about the risk level, just let us know, and we can always reduce that back if we if you need to. Okay? Yeah.","start_word":2298,"end_word":2368,"intents":[{"intent":"Monitor risks and recommend reduction in risk","confidence_score":1.0446303e-7}]},{"text":"When you have a rate through that and you're comfortable to move on, if I can get you to move down to page number 19 for me, I'm also recommending we do make a bit of an additional change to the investments within your super.","start_word":2413,"end_word":2457,"intents":[{"intent":"Recommend additional changes to investments","confidence_score":0.051124867},{"intent":"Recommend rescheduling","confidence_score":0.036165588}]},{"text":"more cheaper funds, the CGT would have cost had 24 with your super fund about over $5,000 to sell down wholly and move into my north. And when you consider the contributions going in and the fees, by having Not to pay worth that it. CGT, it's not worth it. You don't make that money back fast enough towards your retirement even in the high growth portfolios. So I Mhmm.","start_word":2544,"end_word":2613,"intents":[{"intent":"Discuss red investments and plan to retain cgt","confidence_score":9.888695e-7}]},{"text":"So I'll review, obviously, your balance each year, and we'll make sure we do regular rollovers. For this particular moment, it's only, like, a thousand $1,253 we'd be rolling out of. It doesn't sort of work make it worthwhile right Yeah.","start_word":2727,"end_word":2767,"intents":[{"intent":"Review balance and plan to roll out","confidence_score":0.004719838}]},{"text":"The s and p five hundred is the top 500 companies in The US. We wanna hold about 35% of your portfolio. You're a bit underweighted at the moment, so we wanna bring that exposure up a little bit and buy just over $4,000 of the s and p five hundred.","start_word":3024,"end_word":3074,"intents":[{"intent":"Evaluate portfolios","confidence_score":0.0014903978}]},{"text":"worth removing that wholly from your from your portfolio. And because we're removing the Ben along Australian equities, we're also removing the Raffy a 200 there. That investment is more it's more of an expensive kind of investment to have, and we found a way to provide greater diversification to hold Australian equities, but also make your portfolio cheaper for you as well.","start_word":3126,"end_word":3188,"intents":[{"intent":"Promote portfolio diversification","confidence_score":0.018715428}]},{"text":"We only wanna hold about sort of five to 10% of defensive investments. The idea is we have most of our money sitting in those growth investments trying to obtain greater growth there. So we're just holding about 5% of core composite bonds to give you some defensive exposure as well. Okay?","start_word":3484,"end_word":3535,"intents":[{"intent":"Hold investments","confidence_score":0.30762985}]},{"text":"So that is essentially the changes I wanna make to your portfolio there.","start_word":3536,"end_word":3548,"intents":[{"intent":"Make portfolio changes","confidence_score":0.0046903105}]},{"text":"your portfolio has made about 4.45% net of fees after all fees have been considered. So you have definitely had a good positive return for the year.","start_word":3829,"end_word":3855,"intents":[{"intent":"Review portfolio","confidence_score":0.00014100297}]},{"text":"is, you know, when Cbus or some of them say, oh, we can make it 9%. Mhmm. Yeah.","start_word":3953,"end_word":3970,"intents":[{"intent":"Discuss cbus' preference for banks","confidence_score":0.0026763862},{"intent":"Discuss cbus' preference for cbus","confidence_score":0.31860533},{"intent":"Discuss cbus' preference for cbus","confidence_score":0.36773825}]},{"text":"Should I just have my money in another place, like, four I know we've had a lot of drama, but, you know, what's bank interest at the moment?","start_word":3971,"end_word":3998,"intents":[{"intent":"Discuss cbus' preference for bank interest","confidence_score":0.031946555}]},{"text":"I can have a look at what C Bus is preferring, but C Bus is also giving us when we look at what their investment returns are performing, they're giving us a gross return based on the overall. So it's not necessarily saying that you would have got this return. It also depends upon contributions going in, what's happening, any distributions, and things like that. But if Because.","start_word":4084,"end_word":4151,"intents":[{"intent":"Discuss impact of changes in investment","confidence_score":5.8665165e-7},{"intent":"Discuss cbus' preference","confidence_score":0.13009043},{"intent":"Discuss cbus' preference","confidence_score":0.2825357},{"intent":"Discuss cbus' preference for c bus","confidence_score":0.05825685},{"intent":"Discuss c bus's preference for c bus","confidence_score":0.005627552},{"intent":"Discuss cbus' preference for c bus","confidence_score":0.009257164}]},{"text":"So their growth my super account from this is up until the 06/30/2026, so it is definitely almost yeah. a month old. But they're claiming that their my my super growth growth, so before tax, has returned a 9.25% return on average. So it is definitely higher than what you've got in your portfolio.","start_word":4204,"end_word":4257,"intents":[{"intent":"Evaluate portfolio returns","confidence_score":0.005599788}]},{"text":"It's basic maths. Right?","start_word":4638,"end_word":4641,"intents":[{"intent":"Provide information","confidence_score":0.000618356}]},{"text":"the global financial crisis or some some drama that Absolutely. Trump's done.","start_word":5152,"end_word":5163,"intents":[{"intent":"Disregarding financial crisis","confidence_score":0.0000020094722}]},{"text":"And then from there on every year, start to reduce your risk level a little bit, sorry, by Yeah.","start_word":5273,"end_word":5291,"intents":[{"intent":"Reduce risk","confidence_score":0.1744893}]},{"text":"I definitely do wanna make sure we do a catch up in about six months with you, probably January, if not December before we go away for Christmas just to make sure things are working. And if the market isn't performing well, if things aren't doing well, then I wanna make those changes again for you and keep it working harder because, realistically, your balance is a bit lower than where I would like it to be.","start_word":5412,"end_word":5488,"intents":[{"intent":"Make changes","confidence_score":0.52762514}]},{"text":"And you're not eligible for age pension to age 67.","start_word":5540,"end_word":5549,"intents":[{"intent":"Determine eligibility","confidence_score":0.0017306756}]},{"text":"So there is two years to keep as a bit of a buffer prior to accessing the age pension.","start_word":5550,"end_word":5568,"intents":[{"intent":"Keep levels","confidence_score":0.00010592295}]},{"text":"They stay exactly the same, but the newer portfolio saves you $690 a year on investment fees.","start_word":5923,"end_word":5939,"intents":[{"intent":"Save money","confidence_score":0.0032333205}]},{"text":"keeping more money in your super compounding for you is a really good idea. It Yes.","start_word":5968,"end_word":5983,"intents":[{"intent":"Discuss savings and compounding","confidence_score":0.048315626}]},{"text":"The CGT does mean that setting $100 is deducted for the tax side of things. But overall, when you consider that, it's a one off CGT consequence of setting $100. Whereas if you're then saving $690 on investment fees and you compound that or, you know, that over the next seven years is about $44,800 in fees that you've saved if it stays the same way. So Yes.","start_word":5990,"end_word":6057,"intents":[{"intent":"Discuss cgt consequences","confidence_score":0.07350938}]},{"text":"newer Yep. portfolios had a higher past performance as well. So when we look at that moving forward, it can obviously provide greater future performance, which is what we also wanna see. Okay.","start_word":6072,"end_word":6104,"intents":[{"intent":"Discuss portfolio performance","confidence_score":0.134153}]},{"text":"Yeah. Beautiful.","start_word":6107,"end_word":6108,"intents":[{"intent":"Confirm understanding","confidence_score":0.22024152}]},{"text":"if you decide you wanna sign it, I can always email it back to you so you've got it as a copy as well. It's up to you I how might you would like to proceed. I might just yeah.","start_word":6186,"end_word":6225,"intents":[{"intent":"Consider emailing","confidence_score":0.00030254922}]},{"text":"Ask about this or that, then I can get back to you and ask you those questions. Right?","start_word":6270,"end_word":6287,"intents":[{"intent":"Ask questions","confidence_score":0.21291868}]}]},"sentiments":{"segments":[{"text":"Hi. Called your name and reason for calling. I'll see if this person is available. Dana Oakley Financial.","start_word":0,"end_word":17,"sentiment":"neutral","sentiment_score":0.038872890174388885},{"text":"Thanks.","start_word":18,"end_word":18,"sentiment":"positive","sentiment_score":0.3528609871864319},{"text":"Please stay on the line. Justin speaking. Hi, Jason. Hi. It's Dana Dana from OQ Financial. How are you this afternoon? Hey.","start_word":19,"end_word":40,"sentiment":"neutral","sentiment_score":0.143157958984375},{"text":"Good, man.","start_word":41,"end_word":42,"sentiment":"positive","sentiment_score":0.34497252106666565},{"text":"How are you?","start_word":43,"end_word":45,"sentiment":"neutral","sentiment_score":0.2920333743095398},{"text":"That I'm very well. Thank you. I just had you booked in today just to go through your updated statement of advice.","start_word":46,"end_word":67,"sentiment":"positive","sentiment_score":0.4395235478878021},{"text":"Is now still a good time there for you? Yeah. That's fine, man.","start_word":68,"end_word":80,"sentiment":"neutral","sentiment_score":0.26122748851776123},{"text":"Oh, fantastic.","start_word":81,"end_word":82,"sentiment":"positive","sentiment_score":0.40793997049331665},{"text":"How long is this thing gonna take? Oh, not very long. It's a very simple one. It's more just about retaining, obviously, your two super funds and doing an investment switch in there because I have sort of found there's some changes I'd love to make to your super to make sure they are working a bit better for you. But I Right. can have it done easily in about ten, fifteen minutes for you if that's if that's okay. Yeah. That's fine. Yep. That's okay.","start_word":83,"end_word":168,"sentiment":"neutral","sentiment_score":0.14095500111579895},{"text":"Beautiful.","start_word":169,"end_word":169,"sentiment":"positive","sentiment_score":0.47087013721466064},{"text":"And how's your day been so far? Yeah. Pretty good. Yeah. Yeah. It's good. You Bit nearly slower finished. with work at the moment. Yeah. So Yeah. so I was a bit stressful and, you know, less money. Absolutely. Alright. Yeah. Absolutely. No. All good. Now, Jason, before I jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Sure. Fantastic. And just to do a really quick security check there with you as well just to confirm your full name, your date of birth, and address I should have on Jason file. William Hale. '19 Yep. September. Yep. 2 Slash 75 Murphy Road, Surmea.","start_word":170,"end_word":292,"sentiment":"neutral","sentiment_score":0.050056200474500656},{"text":"Fantastic. Thank you so much for that.","start_word":293,"end_word":299,"sentiment":"positive","sentiment_score":0.4369458556175232},{"text":"So, Jason, I have sent a document through to you. Are you able to look at your emails? If you can't, that's honestly okay. Did you send them today? Or Yeah. Just then. Alright. Hang on a second. Yes. Signature request. Yeah. So if you press the signature button, it'll let you go through forward so you can just review the document. Does it say sign document? Is that Yep. what you mean? Yeah. Yeah. I won't ever ask you to sign anything you haven't read, but this allows you to be able to scroll up and down so you can view the document. That way, I'm not talking at you, and you can see exactly what I'm talking about. Yeah. Text three.","start_word":300,"end_word":422,"sentiment":"neutral","sentiment_score":0.15228027656553236},{"text":"Fantastic.","start_word":423,"end_word":423,"sentiment":"positive","sentiment_score":0.7241841554641724},{"text":"Now on the front page of that document, when you are looking at it, it'll say statement of advice prepared for yourself, Jason Hale, as of the 07/08/2026. Our documents are valid for sixty days from the date on the front of the document there. On the bottom of the front page has my authorized representative number. So I'm a licensed financial adviser registered through ASIC, and my registration number is 1304394. Okay? Alright. The next couple of pages run you through the best interest duty, the table of contents, and areas that we are scoping in and out with regards to the advice. When we did your annual review last, we sort of talked about looking at the retention side of things. So you had a bit of extra money sitting in your c bus account. We wanted to go back and review the investments within Hub twenty four and c bus to make sure that everything was in line with your risk profile. You're also in that growth environment, and you wanted to take on a little bit more risk to get a bit more growth out of your super as we work towards your retirement goals there. You were hoping to be able to access super at around about age 65. So we've looked at increasing your risk level a little bit, but also readjusting your portfolio to make sure that you're inside that risk level, but also that your super fund is working at its best possible capacity. Okay? Hello? I've also scoped in the estate planning side of things. So just making sure that in the event of passing, that your beneficiary nominations are up to date to make sure all the proceeds are passed to your wife in the event that something happens to K. you. We are not making any new recommendations around TV or income protection, so you are happy with the level of cover you had in c bus at the moment and your personally paid direct policy with the income protection. We just want to retain, obviously, the c bus account to retain the level of cover you have. However, it's been limited scoped into the advice because the cover is paid out of your super, so it does have an effect on your overall retirement projections. So whilst we don't make any new recommendations, we do consider that as part of the projection table for you. Okay? Two.","start_word":424,"end_word":832,"sentiment":"neutral","sentiment_score":0.14440806175429546},{"text":"Excellent.","start_word":833,"end_word":833,"sentiment":"positive","sentiment_score":0.5541187524795532},{"text":"And you don't have any life or trauma cover. You weren't wanting to get any new insurances other than what you already held, so we're not making any recommendations around that. We've also scoped out debt management and additional contributions. So you didn't wanna make any additional contributions Okay. yet. You were hoping to, pay down your mortgage first, have that all covered, then make additional contributions down the track. Does that still sound appropriate for you? Does that still sound appropriate for Yeah. you? That's about it. Yes. That's right?","start_word":834,"end_word":924,"sentiment":"neutral","sentiment_score":0.02411464974284172},{"text":"Excellent. Fantastic.","start_word":925,"end_word":926,"sentiment":"positive","sentiment_score":0.5074346661567688},{"text":"As you get through pages number nine and ten, it does have a list of your assets and liabilities on page 10 there, just what we had noted at our last conversation. If I can just get you to run your eyes over that for me. I know your mortgage hopefully has been paid down a little bit there. Is there anything that you would like me to have updated in the back end that may have changed since we last called out? Well, you can take I'm just looking at the assets and liabilities. Yeah. Maybe you take that rice horses down a bit. I've Yep. got rid of some of those, and Okay. I've only got two left now. What sort of value do you think you put on It's those probably now? a 100,000 there Yep. instead of 200,000. Yep.","start_word":927,"end_word":1069,"sentiment":"neutral","sentiment_score":0.04521861672401428},{"text":"They haven't been winning for you.","start_word":1070,"end_word":1075,"sentiment":"negative","sentiment_score":-0.3500251770019531},{"text":"Well, she had a she had a she's had a first preparation, so you don't really have a race. Yeah. Right? You just Yep. she's won a trial, and she's done alright, but because she's just a baby, you don't wanna kill her. So, No. Of yeah, course. so I I asked about insurance on that horse, and they said about $100. So Okay. drop that down a bit because I got rid of the others. I Absolutely. kind Yeah. of you know, not all wealthy course owners. Yeah. My property is be up another $200, though, because I just Yep. got it evaluated, so that'd be 9 Nine fifty.","start_word":1076,"end_word":1185,"sentiment":"neutral","sentiment_score":0.014765624888241293},{"text":"Fantastic.","start_word":1186,"end_word":1186,"sentiment":"positive","sentiment_score":0.5023396015167236},{"text":"50.","start_word":1187,"end_word":1187,"sentiment":"neutral","sentiment_score":0.2503913640975952},{"text":"Excellent.","start_word":1188,"end_word":1188,"sentiment":"positive","sentiment_score":0.45589351654052734},{"text":"The cars the cars are probably the same or maybe, you know, they're getting older, so maybe a bit less. So take Yep. $5 off that. 10,000.","start_word":1189,"end_word":1215,"sentiment":"neutral","sentiment_score":0.03959305956959725},{"text":"The gold top has gone up Fantastic. to 20, so that's Fantastic. good.","start_word":1216,"end_word":1228,"sentiment":"positive","sentiment_score":0.4886479377746582},{"text":"Yeah. The rest is probably the same. The I same. mean, I don't I'm not really sure that I would actually have 50 grands worth of contents, but I don't know. I it reckon if you realistically, if you took your house upside down, everything fell out. That's all your content. So that's quite yeah. a lot of things to replace when you think about it. Yeah. That's probably right. Yeah. But yeah. So if you wanna make those adjustments, Yeah. I don't know what that's not gonna really make any difference to anything, I suppose. No. That's okay. I'd just like to update in the back end for you. So it won't I won't worry Yeah. about updating the advice document because it doesn't change any of the advice provided, but it's good to update it in the back end for you just so we can have things updated and reflective. Yeah. Okay? Sure.","start_word":1229,"end_word":1383,"sentiment":"neutral","sentiment_score":-0.0035752002149820328},{"text":"Fantastic.","start_word":1384,"end_word":1384,"sentiment":"positive","sentiment_score":0.4906587600708008},{"text":"Underneath that, we've got your current super balance. So within Hub 24 and your c bus, at the moment, you have about eleven thousand two fifty three in c bus. Could be a bit more since we did this document a few weeks back. And then your balance in Hub 24 is at the $242,004.92. Okay. We've got your insurance It's policy not match, within is it? it's not much. It's getting there, though. You still got a bit of time ahead of you. See what I can do to make things work a bit harder for you. Yeah. Go ahead. On the next page there, your current insurances. So within C Bus there, you do have 80 sorry. 82,500 of TBD cover and some income protection there with a thirty day wait and two year benefit period. And then within Zurich, you've also got a bit of extra income protection for top up cover there with a thirty day waiting period and two year benefits period. The current sum insured there is $1.09 $9.02. Okay? Yes. To make this a bit easier, if you can go down to page number 14 for me, this is where the recommendations essentially start. I'll Right. go through them nice and easily, and then you feel free to ask me questions. If you do have any questions throughout, you can just interrupt me and say, Daniel, just stop and let me ask some Yep. questions and So ask anything you have. Okay? We are recommending that you do retain your CBass super fund to retain your insurances, but we only wanna hold that with a minimum amount of cover. So you'll keep your contributions going into CBass as they are, and then we're gonna roll all of that.","start_word":1385,"end_word":1679,"sentiment":"neutral","sentiment_score":0.06034146927423397},{"text":"Retain C bus with a balance of $10,000 and keep your contributions moving in.","start_word":1680,"end_word":1693,"sentiment":"positive","sentiment_score":0.3697034418582916},{"text":"Essentially, every year, anything above that 10,000, we wanna have rolled that into hub twenty four and keep that money moving so it is invested within Hub 24 hoping to get greater growth there for you. Yes. I'm also recommending we retain hub twenty four. I did review both super funds.","start_word":1694,"end_word":1744,"sentiment":"neutral","sentiment_score":0.2860323190689087},{"text":"They are still working really well. Hub twenty four is still a great fund.","start_word":1745,"end_word":1758,"sentiment":"positive","sentiment_score":0.5661994218826294},{"text":"And, obviously, if we did, there are other funds that that could be a bit cheaper. But if we look to, sell down all of the investments and remove all the funds, the CGT affects your super fund just like you actually pays tax every year and has pays capital gains tax and income tax. Yep. If we were to sell down and move to another fund, it would have a greater a larger CGT effect for your super, which meant which means your fund would have to pay more tax. So it is best to retain hub twenty four at the moment. Realistically, hub twenty four hasn't made any changes that are detrimental.","start_word":1759,"end_word":1872,"sentiment":"neutral","sentiment_score":-0.0910867005586624},{"text":"It is still a great fund and still has the most amount of investment options to be able to adjust your portfolio within.","start_word":1873,"end_word":1895,"sentiment":"positive","sentiment_score":0.6169000864028931},{"text":"Okay? Okay. Yeah. Because your super balance is only at 11,000, normally, we wanna roll over 10,000 over. I do not see a need to roll, basically, a $1,000 out of the c bus account. So what I will do for now is I'm not gonna do a rollover right now. We'll probably just wait till the next catch up. We'll check the c bus balance then. And if we need to do a rollover, then if the balance is a bit higher, then we'll roll some money out for you. Okay? Well, I'll obviously be paying it's about what I pay in Superhour with my wages, it's it's not a lot, but it's about 1,000 about 1,500 a quarter, I suppose. Yeah. I am recommending So that you make those do change and have that paid on more of a regular basis. So so instead of doing it quarterly, try doing it weekly or fortnightly. Yeah. That way You you're have putting to, man. smaller amounts in.","start_word":1896,"end_word":2063,"sentiment":"neutral","sentiment_score":0.042288318276405334},{"text":"Yeah. That way you're putting smaller amounts in more regularly. Your super fund actually benefits greater from that because you're properly dollar cost averaging into the fund. But it also means instead of having a larger lump sum on a quarterly basis, you're just putting smaller amounts in more regularly, so it's much more manageable to do for you. So I'm also recommending as part of the advice that you make that small change.","start_word":2064,"end_word":2137,"sentiment":"positive","sentiment_score":0.44230082349197286},{"text":"And every week or fortnight, you just make that additional contribution in and out of your self employed wages. Okay? Yeah. Well, they have to you have to do that now when you pay Yeah. wages. Sorry. Yeah. Yeah. Comp companies are definitely supposed to. I'm pretty sure for yourself, it it is best to do so as well. So it Yeah.","start_word":2138,"end_word":2199,"sentiment":"neutral","sentiment_score":0.17127780616283417},{"text":"just it works out to benefit you much greater in the long run.","start_word":2200,"end_word":2212,"sentiment":"positive","sentiment_score":0.48602235317230225},{"text":"Yeah. Sure. Okay.","start_word":2213,"end_word":2215,"sentiment":"neutral","sentiment_score":0.2480758875608444},{"text":"Excellent.","start_word":2216,"end_word":2216,"sentiment":"positive","sentiment_score":0.4992561936378479},{"text":"Yeah. I'll get on that. I'm just That's a little okay. bit short at the moment. It's a business, so Yeah. I Yeah. need to get some more money in the business. Yeah. Absolutely. No. That's Yeah. not a problem at all. Underneath that section, I'll let you have a bit of a read through it after. But we have the best interest duty, which essentially relates the recommendations back to your goals and why they are in your best interest. I'm also recommending that we increase your risk in the portfolio and move into more of a high growth environment as well. We'll make sure we monitor that moving forward. So when and if you decide you'll no longer feel that that's appropriate or you're a bit concerned about the risk level, just let us know, and we can always reduce that back if we if you need to. Okay? Yeah.","start_word":2217,"end_word":2368,"sentiment":"neutral","sentiment_score":0.097183957695961},{"text":"Excellent. So I'm reading that now.","start_word":2369,"end_word":2374,"sentiment":"positive","sentiment_score":0.3789823651313782},{"text":"Yeah. Yeah.","start_word":2375,"end_word":2376,"sentiment":"neutral","sentiment_score":0.2787863612174988},{"text":"All good.","start_word":2377,"end_word":2378,"sentiment":"positive","sentiment_score":0.49508583545684814},{"text":"I've also got underneath that the advantages, disadvantages, the risks involved, and any additional considerations that we have made for you as well. So any alternatives that we've considered, essentially. Okay. Yeah.","start_word":2379,"end_word":2410,"sentiment":"neutral","sentiment_score":0.08535180240869522},{"text":"Excellent.","start_word":2411,"end_word":2411,"sentiment":"positive","sentiment_score":0.5746264457702637},{"text":"When you have a rate through that and you're comfortable to move on, if I can get you to move down to page number 19 for me, I'm also recommending we do make a bit of an additional change to the investments within your super. Mhmm. So sorry. Just let me know when you're when What's you're good in your move what's down. my north consideration considered moving as to close into my north or Yeah. separately Very similar manage? to HAB 24. It's an adviser platform, and it has access to lots of different investment options there. I did consider and look at the option of moving to another platform like my North, But, unfortunately, it came out to be too cost too expensive to do. So so while they're Yes. more cheaper funds, the CGT would have cost had 24 with your super fund about over $5,000 to sell down wholly and move into my north.","start_word":2412,"end_word":2569,"sentiment":"neutral","sentiment_score":0.0322437658905983},{"text":"And when you consider the contributions going in and the fees, by having Not to pay worth that it. CGT, it's not worth it. You don't make that money back fast enough towards your retirement even in the high growth portfolios.","start_word":2570,"end_word":2610,"sentiment":"negative","sentiment_score":-0.5626661777496338},{"text":"So I Mhmm. weighed up the options and did all the math and looked at it and decided it was best for you to retain Hub twenty four. Yeah. So we're on page 19. Yep. You'll There's see a lot all those of different red investments a lot of red numbers there is. there, mate. What's going on with them? There is. Absolutely. So those red numbers are the numbers that we're going to sell. So you'll see on the side here, you've got your SeaBus Super. We're gonna retain that exactly as it is for the moment, but the goal is to continuously achieve be moving money out of c bus and into hub 24. So I'll review, obviously, your balance each year, and we'll make sure we do regular rollovers. For this particular moment, it's only, like, a thousand $1,253 we'd be rolling out of.","start_word":2611,"end_word":2757,"sentiment":"neutral","sentiment_score":-0.00552342040464282},{"text":"It doesn't sort of work make it worthwhile right Yeah.","start_word":2758,"end_word":2767,"sentiment":"negative","sentiment_score":-0.499509871006012},{"text":"now, so I'm gonna hold off on doing a rollover now. We'll do that when we do a catch up, and I'll reassess your balance then. But in HUB twenty four, in order to move into more that high growth environment, we needed to reassess the investments.","start_word":2768,"end_word":2814,"sentiment":"neutral","sentiment_score":-0.04261219501495361},{"text":"And I had found that some of them in your old portfolio were underperforming and needed to be altered and changed. So the red that you've been looking at is what we're gonna be selling down. So we are gonna be selling off the battery and lithium tax, the Ben along Australian Equities, which has been underperforming and not doing very well for your fund. The bank hybrids, that sort of investment is actually gonna be phased out by the government, so we need to remove that from your portfolio now.","start_word":2815,"end_word":2905,"sentiment":"negative","sentiment_score":-0.38930684328079224},{"text":"The China Good. new economy hasn't been performing as well as it should have been. And your physical gold is doing very well and is great, but we need to just reduce it back a little bit. So we only wanna hold 7% of physical gold. You've currently got 9% there at the moment, so we just wanna cement some of the gains and redistribute those across your portfolio for you. You only wanna hold about 77% of physical gold in your portfolio. The beta share cybersecurity, we only wanna hold about 6% in your portfolio. You kinda got 8.24%, so we wanna sell some of that and just rebalance you back a little bit there as well. The s and p five hundred is the top 500 companies in The US. We wanna hold about 35% of your portfolio. You're a bit underweighted at the moment, so we wanna bring that exposure up a little bit and buy just over $4,000 of the s and p five hundred. And then with the VanEck Australian property, property is having a bit of a pullback. We wanna remove that solely from your portfolio. Whilst it has provided good returns, our property is having a bit of a pullback with the changes of legislation at the moment, so it is Sure.","start_word":2906,"end_word":3124,"sentiment":"neutral","sentiment_score":-0.10808391124010086},{"text":"worth removing that wholly from your from your portfolio.","start_word":3125,"end_word":3133,"sentiment":"negative","sentiment_score":-0.34758609533309937},{"text":"And because we're removing the Ben along Australian equities, we're also removing the Raffy a 200 there. That investment is more it's more of an expensive kind of investment to have, and we found a way to provide greater diversification to hold Australian equities, but also make your portfolio cheaper for you as well. So we're gonna sell that investment down. Okay? Okay. Once we complete all of those sales, we'll still hold about 7% of physical gold. We'll still hold about 6% in cybersecurity. We'll still hold about 35% of the s and p 500, and we're gonna buy into some Europe and Japanese exposure. So you hold 9% of European and 5% of Japanese. The Europe exposure is giving you access to all 16 European countries.","start_word":3134,"end_word":3261,"sentiment":"neutral","sentiment_score":0.0452701561152935},{"text":"They're giving you great diversification across the globe, and Japan has seen some really good growth there as well.","start_word":3262,"end_word":3280,"sentiment":"positive","sentiment_score":0.5280604362487793},{"text":"So we wanna hold 5% of that. On the next page, if you scroll down, you'll see the Vanguard or World ex US. So this is essentially giving you exposure to the entire globe minus The US market because we have the S and P 500 above there. And this Yep. is giving you greater diversification in a cost effective investment, and we wanna hold 8% of that for you. We still need to some Australian exposure, and we are removing the Rafi plus the Benelon because the Benelon has been underperforming, and we're gonna hold the beta shares a 200. This is giving you exposure to the top 200 companies on ASX, and we wanna hold 25% of that investment for you.","start_word":3281,"end_word":3403,"sentiment":"neutral","sentiment_score":0.0799487829208374},{"text":"One of the cool things, the a 200 actually is a very good dividend pay. It's one of the highest dividend paying Australian stocks. So it'll be good. It'll help you with a bit of income producing within your portfolio, but it's also a much cheaper option to hold Australian equities for you.","start_word":3404,"end_word":3456,"sentiment":"positive","sentiment_score":0.5479581356048584},{"text":"Okay? Yeah.","start_word":3457,"end_word":3458,"sentiment":"neutral","sentiment_score":0.23147986829280853},{"text":"Good.","start_word":3459,"end_word":3459,"sentiment":"positive","sentiment_score":0.37566328048706055},{"text":"And then we've got core composite bonds. So it's important that we have defensive investments with the high growth environment you wanna be in. We only wanna hold about sort of five to 10% of defensive investments. The idea is we have most of our money sitting in those growth investments trying to obtain greater growth there. So we're just holding about 5% of core composite bonds to give you some defensive exposure as well. Okay? So that is essentially the changes I wanna make to your portfolio there. I'll show you the reasoning behind that in a second. But underneath that table, you also see within hub twenty four, you've got about 11 Yep. thousand sitting in cash there at the moment. You have a bit more cash than I would realistically like. We only wanna hold minimum cash. We wanna have as much money invested in your portfolio as possible, so we're gonna reinvest about $8,581 of that for you. Okay? Okay.","start_word":3460,"end_word":3623,"sentiment":"neutral","sentiment_score":0.1499379484391794},{"text":"Excellent.","start_word":3624,"end_word":3624,"sentiment":"positive","sentiment_score":0.5621987581253052},{"text":"So what if I was to say to you, you know, what have you done in the last twelve months? Yeah. How much money have you made for me? Yeah. That's I a can question, give you isn't it? Because I know you guys might charge fees and everything. And I think I when I started, it was $4.5 or something to start up with you. So that. no Yeah. one's actually told me or informed me of, yeah, I don't know how my soup is going That's in okay. fact. I Yes. can give So you that's I can what go I in wouldn't there mind now. knowing. Yeah. Absolutely. Yeah. Let's have a look now. So I'm just pulling up the report for you to have a look now. Last year. Sorry. Won't be a second. Just loading the report for you.","start_word":3625,"end_word":3768,"sentiment":"neutral","sentiment_score":0.019439008086919785},{"text":"Beautiful.","start_word":3769,"end_word":3769,"sentiment":"positive","sentiment_score":0.4743393659591675},{"text":"So when we look at everything as a whole, over the last twelve months, your portfolio and it's important to note that with the amount of volatility we have seen, with everything you've seen going on with the US war this year, there has been Yes. a lot of ups and downs there. But as a whole, Sure.","start_word":3770,"end_word":3827,"sentiment":"neutral","sentiment_score":0.021576130762696263},{"text":"your portfolio has made about 4.45% net of fees after all fees have been considered. So you have definitely had a good positive return for the year.","start_word":3828,"end_word":3854,"sentiment":"positive","sentiment_score":0.5798810720443726},{"text":"It is lower than where we'd expect. A lot of that is because Bennelong has been underperforming there and, obviously, with what's been happening globally with the Iran and the US war there.","start_word":3855,"end_word":3887,"sentiment":"neutral","sentiment_score":0.13501814007759094},{"text":"But you have definitely made a 4.45 return after fees. So it does mean your portfolio is still working the same direction. Because contributions do go into C bus, this is just what the portfolio has been able to do. So even with everything going on, it's come out with a positive return, which is good.","start_word":3888,"end_word":3943,"sentiment":"positive","sentiment_score":0.6036812663078308},{"text":"I mean, yeah, what I wonder or ask Yeah. is, you know, when Cbus or some of them say, oh, we can make it 9%. Mhmm. Yeah. Should I just have my money in another place, like, four I know we've had a lot of drama, but, you know, what's bank interest at the moment? Five? Bank interest, yeah, bank bank interest is middle of the range at the moment, around about a sort of four to 5% return depending on who you're with and what you're Yes. doing. But you're Yeah. also paying about 9% in you know, between six to 9% in mortgage rates as well. So the mortgages are much higher. And when you consider the cash rate there, it is definitely a lot lower than what you are paying in interest. I'm Right. just pulling out. I can have a look at what C Bus is preferring, but C Bus is also giving us when we look at what their investment returns are performing, they're giving us a gross return based on the overall. So it's not necessarily saying that you would have got this return. It also depends upon contributions going in, what's happening, any distributions, and things like that. But if Because. I'll have a look at the. Sorry. This goes to their site. I mean, I suppose as short of it is, I Options. just wanna be the best possible outcome I can have Yeah. because, you know, Absolutely. I'm getting older by the day like everyone Yeah. else. And, Absolutely.","start_word":3944,"end_word":4201,"sentiment":"neutral","sentiment_score":0.032487058362295464},{"text":"Yeah. Absolutely. So their growth my super account from this is up until the 06/30/2026, so it is definitely almost yeah.","start_word":4202,"end_word":4222,"sentiment":"positive","sentiment_score":0.4027002155780792},{"text":"a month old.","start_word":4223,"end_word":4225,"sentiment":"neutral","sentiment_score":0.2357008457183838},{"text":"But they're claiming that their my my super growth growth, so before tax, has returned a 9.25% return on average. So it is definitely higher than what you've got in your portfolio. But, I mean, hub twenty four, this is giving you the return based on today's date, so very much within the last twelve months.","start_word":4226,"end_word":4281,"sentiment":"positive","sentiment_score":0.4744114279747009},{"text":"And it's a net return after fees as well. So I would have to kind of go back and reassess the fees within Cbus and really go into nitty gritty to be able to find out what the return would be after fees.","start_word":4282,"end_word":4324,"sentiment":"neutral","sentiment_score":0.1612076759338379},{"text":"But that that's just what they're claiming that their portfolio can achieve in the last twelve months or in the last one year up to the June 30.","start_word":4325,"end_word":4352,"sentiment":"positive","sentiment_score":0.3605988025665283},{"text":"Well, can you can't you look at what I've had in c bus and go, well, you had this at the start and now you've got this. So here's your percentage. Yeah. We can we can do that. We don't because there's so many other factors to take into account. But, yeah, I can go back and have a look at that and compare it for you if you like. I'll have to send you an email after the call to do so. Is just growing. We only want a real estate holder as a small amount. But at the same time, if you're more comfortable being in and you prefer just to have everything in one place, you're fine to roll back. I mean, as I've kinda said before, you're not in any way, shape, or form held to stay in Hub twenty four or with us as your advisers. If you kinda wanna roll things back and just wanna be in one place and prefer to go back to an industry fund, you absolutely can do. You just initiate the rollover. Let us know that that's what you wanna do and that you plan to roll back.","start_word":4353,"end_word":4551,"sentiment":"neutral","sentiment_score":0.07282178103923798},{"text":"We'll absolutely help Yeah.","start_word":4552,"end_word":4555,"sentiment":"positive","sentiment_score":0.5449898838996887},{"text":"you. I under It I understand Yeah. that because you Yeah. thought you're upfront right from the start that Yeah. I could do that anytime. But Mhmm. I suppose, you know, I've I'm trust and trust in you guys who will go better than what C plus are claiming. So, you know, if you yeah. I'm a I used to be a bookmaker. I've worked with a bookmaker. So You're it right. basically got this side of the ledger and that side. It's basic maths. Right? I mean, I'm not I don't understand every share that you're investing in and Mhmm. all that list on the page. I don't I don't even know what half of those are. But Yeah. yeah. You know what I mean? All I want at the end of the day is, you know, will I be better off staying with you guys for another twelve months, or am I gonna be better off going back to see Bus two? I mean, I trust them because I'm a tradie. Do you know what I mean? So that's Yeah. how it is. That's That's that's okay. the short of it. Yeah. So That's fine.","start_word":4556,"end_word":4752,"sentiment":"neutral","sentiment_score":-0.023291723802685738},{"text":"It's honestly okay. It's not a problem at all.","start_word":4753,"end_word":4761,"sentiment":"positive","sentiment_score":0.4336981475353241},{"text":"I'm also just having a look at the from inception report. So you came on board here in 2023. You've almost been on essentially for three years there, and your Yeah.","start_word":4762,"end_word":4792,"sentiment":"neutral","sentiment_score":0.16792410612106323},{"text":"portfolio over the last three years has returned a 29.13% return.","start_word":4793,"end_word":4803,"sentiment":"positive","sentiment_score":0.3902418613433838},{"text":"It's made about $69,000 in income plus growth as a dollar figure. If Oh, I that's divide great. this twenty nine point one three by the three years, you've made an average of 9.71%. So whilst this one year, it is showing less than what the c bus fund has, you know, returned as a growth, as a growth performance on their website, when you kinda take that 29, 29. 13% and divide that by the three years that you've now been on board, you've averaged about a 9.71, which is better than what they have done.","start_word":4804,"end_word":4899,"sentiment":"neutral","sentiment_score":0.1401538223338624},{"text":"So when you look at Sure. it overall, the compounding effect, you've actually done better than what they're claiming to do.","start_word":4900,"end_word":4920,"sentiment":"positive","sentiment_score":0.5007874369621277},{"text":"So I do in order to kind of break down what you do have and don't have, the statements or information they give us, they don't give us your balance from last year. So I'd have to go back to Ziva's, get your balance, work out what your fees are, and do the math around, obviously, what your growth rate was. But I'd be able to would that be easier for me to do? Seeing, you know, Yeah. surely, as a If member, you've got a I state can ring up and say, yeah. look. I need these details from my accountant or something like that. Yeah. Absolutely. You can. That's Yeah. not a problem at all. Yeah. They are a little bit picky giving up the information. We only have an authority to inquire, but I can go back and do the math for you. It's not a problem. The difference being that What we also you've told me there is is pretty good.","start_word":4921,"end_word":5085,"sentiment":"neutral","sentiment_score":0.0639057457447052},{"text":"yeah. I'm happy That's okay.","start_word":5086,"end_word":5090,"sentiment":"positive","sentiment_score":0.3755354583263397},{"text":"with that. I understand That's okay. it goes up and down and, Yeah. you know, you can't. But the thing is you don't wanna say, well, I'm gonna be retiring in two years. Well, I mean, you'd like to say that, but, yeah, you don't wanna go the year before and then No.","start_word":5091,"end_word":5143,"sentiment":"neutral","sentiment_score":-0.10912641882896423},{"text":"lose all your money because of Absolutely. the global financial crisis or some some drama that Absolutely.","start_word":5144,"end_word":5160,"sentiment":"negative","sentiment_score":-0.3987167179584503},{"text":"Trump's done. You know what Absolutely. I mean? Yeah. And that's probably one of the biggest things that I would be wanting to bring up is that if by staying on board with us, it does mean that I do wanna review this with you. You know, when we spoke last time, you wanted to be in that high growth environment, take on a bit more risk because you're not planning access super for about the next seven years.","start_word":5161,"end_word":5239,"sentiment":"neutral","sentiment_score":-0.08881657734466127},{"text":"However, I do not want you in that high growth environment for the next seven years when you are easily six years away. So next year, I'll probably wanna bring you down.","start_word":5240,"end_word":5271,"sentiment":"negative","sentiment_score":-0.5575417876243591},{"text":"And then from there on every year, start to reduce your risk level a little bit, sorry, by Yeah.","start_word":5272,"end_word":5290,"sentiment":"neutral","sentiment_score":-0.19353172183036804},{"text":"10% as well and start to sort of bring it down gradually because I definitely do not want you to be in high growth the year before you retire and then have a big 20% drop and then be cementing No. that drop. That is not preferable, and I would hate myself if that happened to you. You know, we Well, all wanna everyone's retire gonna as be quickly grumpy. as possible.","start_word":5291,"end_word":5362,"sentiment":"negative","sentiment_score":-0.4783107340335846},{"text":"Yes. Yeah. Exactly. Exactly. So by having us here and having me as your adviser, I can be a little bit more you know, we're happy to take on that bit of risk now for you, but I do not want you to be in that for longer. I definitely do wanna make sure we do a catch up in about six months with you, probably January, if not December before we go away for Christmas just to make sure things are working. And if the market isn't performing well, if things aren't doing well, then I wanna make those changes again for you and keep it working harder because, realistically, your balance is a bit lower than where I would like it to be. And, realistically, if you're gonna retire the next seven years, we wanna make sure you've got as much money as absolutely possible because you'll be 65. So, realistically, you wanna make sure you've got enough money to Yes. start drawing out the income you need as well as getting you longevity. And you're not eligible for age pension to age 67. So there is two years to keep as a bit of a buffer prior to accessing the age pension. And then what I like to do with a lot of my retired clients is when we get to age 67, look at what you're eligible receive from Centrelink and draw back less out of super to supplement that so you have a bit of longevity and get some from the age pension as well as super as well. The other Right. side of it is once you actually turn 60, depending on what you need, whether, you know, you feel income protection and TBD or whether you feel insurances are appropriate, a lot of my clients do decide at 60 they don't need those insurances anymore because if they are unable to work, they can access their super. So we can also look to consolidate from then on too. So only keep these insurances in place and save us until you no longer need them. Once those insurances are obsolete and you don't feel that they are suitable to keep anymore, that we can get rid of them, then we can consolidate everything into hub twenty four as well, have it all in one place, have one super fund working harder for you as well. Yep. So that's also another option I'd like to look at for you Perfect. if that Alright. Okay. Well, helps. I I don't wanna cut it short, Yeah. but I do That's have okay. to go. That's But okay.","start_word":5363,"end_word":5802,"sentiment":"neutral","sentiment_score":0.03824488471516154},{"text":"everything you Can told me has been fine. I'm happy yeah. with that.","start_word":5803,"end_word":5815,"sentiment":"positive","sentiment_score":0.4907311499118805},{"text":"Can I show you one more thing before we go? Just Yes. a really important aspect of the fee structure. Just Sure. on page 22, if you keep going down, we did talk before about the changes to make to your portfolio, and I did explain that your super fund does pay CDT or tax consequences as well. So we do know by making the changes above, all the red and green that you saw, the CGT expectation is only 1,385. So to change and make changes to the portfolio, we expect your super fund to pay $1,385 in CGT. It doesn't change the administration fees.","start_word":5816,"end_word":5921,"sentiment":"neutral","sentiment_score":0.1231674626469612},{"text":"They stay exactly the same, but the newer portfolio saves you $690 a year on investment fees. So it does make your investment fees a bit cheaper as well there, Jason.","start_word":5922,"end_word":5952,"sentiment":"positive","sentiment_score":0.3946328759193421},{"text":"Okay.","start_word":5953,"end_word":5953,"sentiment":"neutral","sentiment_score":0.18160778284072876},{"text":"So you think that's the best thing to do? Absolutely. Saving fees, Yeah. keeping more money in your super compounding for you is a really good idea. It Yes. does work out better for yourself.","start_word":5954,"end_word":5988,"sentiment":"positive","sentiment_score":0.6001355051994324},{"text":"The CGT does mean that setting $100 is deducted for the tax side of things. But overall, when you consider that, it's a one off CGT consequence of setting $100. Whereas if you're then saving $690 on investment fees and you compound that or, you know, that over the next seven years is about $44,800 in fees that you've saved if it stays the same way.","start_word":5989,"end_word":6054,"sentiment":"neutral","sentiment_score":0.22823970019817352},{"text":"So Yes. that Okay. can make a much greater a difference for you. And the Sure. newer Yep. portfolios had a higher past performance as well. So when we look at that moving forward, it can obviously provide greater future performance, which is what we also wanna see.","start_word":6055,"end_word":6102,"sentiment":"positive","sentiment_score":0.5252253413200378},{"text":"Okay. Yep.","start_word":6103,"end_word":6104,"sentiment":"neutral","sentiment_score":0.25053608417510986},{"text":"Good. Yeah. Beautiful.","start_word":6105,"end_word":6107,"sentiment":"positive","sentiment_score":0.48200523853302},{"text":"It does So, yeah, sort of I made show on a sign something. yeah. On Sign the very this. last page, if you're comfortable to if you wanna take it back and read it over before you sign it, you absolutely can. I don't ever want you to sign anything you're not comfortable signing. So if you wanna take some time, read it over, and let me know if there's any questions you're allowed to. Alternatively, Okay. if you decide you wanna sign it, I can always email it back to you so you've got it as a copy as well. It's up to you I how might you would like to proceed. I might just yeah. I told you that I've got a couple of mates that are bankers. I wouldn't Yeah. mind them just reading through this information before I sign it. Yeah. And, I That's mean, fine. if they come up with any yeah. What are you yeah. Ask about this or that, then I can get back to you and ask you those questions. Right? That's absolutely fine. Yeah. Definitely. Yeah. They're bankers, are they? They work in a Well, one of them is a a bank? close friend. We call Yeah. him the bank whore because he's Yeah. worked at Right. every bank, but now he's working at the government. So Yeah. he's Right. not working at a bank anymore, but he's worked, Yeah. like, Right. six different banks, and he's, yeah, he's the same age as me. And now Yeah. he's got a cushy government job where he just rings up the farmers and tells them they can't have that loan. Oh, good. He's in lending. Yeah. Yeah. Yeah. Basically, government lending Yeah. for and then, yeah, twelve months, he did that, and then he was doing, like, fishery licensing and yeah. So he's got a pretty good gig with the government now Yeah. because No. you That's can absolutely never get sacked fine. from the government. Right? It's pretty Yeah. hard to No. Absolutely fine. That's not a problem at all. If there are any questions, you're welcome to let me know. okay. Yeah. Once you kind of have had a read through it, I would sort of say if you wanted to make these changes, try to make them as soon as possible. So the longer Sure. we wait, obviously, the the longer it can take to have those changes, and it Yeah. can affect your Yeah. performance Yeah. Yeah. side of things. So but let me know if there's any questions you have.","start_word":6108,"end_word":6539,"sentiment":"neutral","sentiment_score":0.042807868972886354},{"text":"I'm always happy to answer them.","start_word":6540,"end_word":6545,"sentiment":"positive","sentiment_score":0.377062052488327},{"text":"Did you want me to go back and just have a look at the c bus and get that additional growth rate for you, or you're No. happy just to I leave don't it for the think moment? so, mate. No. I That's I okay. understand. Yeah. I wouldn't Yeah. bother. I mean, yeah, they're they're only gonna try and sell themselves anyway. Right? So Yeah. That's exactly yeah. what they do. Whereas I'm not licensed to any particular fund. Everything I do has to be in your best interest. That's why I outlined the best interest, Judy, the advantages, the disadvantages, the risks involved. And as I said, I'm very open and upfront with everything. I'll give you Yeah. the No. returns That's on perfect.","start_word":6546,"end_word":6671,"sentiment":"neutral","sentiment_score":-0.0072719646351678035},{"text":"the station, and you get to decide what you wanna do moving forward.","start_word":6672,"end_word":6684,"sentiment":"positive","sentiment_score":0.3834545612335205},{"text":"I don't want you to feel pressured into anything you're not comfortable doing. Okay? Righto. Easy. Okay.","start_word":6685,"end_word":6701,"sentiment":"neutral","sentiment_score":-0.03245356306433678},{"text":"Thanks, mate. Thanks. My Take pleasure. it easy, You have a Donna. great I'll night. talk to you soon.","start_word":6702,"end_word":6720,"sentiment":"positive","sentiment_score":0.526201069355011},{"text":"Will do. If You if have you a good haven't heard from me, just shoot yep. me another email and say hurry Yep. up or something I like that. will. Right? Because I've got I'll a bit give you going a buzz. on. Alright.","start_word":6721,"end_word":6764,"sentiment":"neutral","sentiment_score":0.07800154387950897},{"text":"Absolutely. Thank you very much for your time. My pleasure, Jason. Thank you for taking See my you. call.","start_word":6765,"end_word":6783,"sentiment":"positive","sentiment_score":0.6602638959884644},{"text":"You Bye.","start_word":6784,"end_word":6785,"sentiment":"neutral","sentiment_score":0.32331010699272156},{"text":"have a great evening. See you later.","start_word":6786,"end_word":6792,"sentiment":"positive","sentiment_score":0.6240516901016235},{"text":"Bye.","start_word":6793,"end_word":6793,"sentiment":"neutral","sentiment_score":0.23360833525657657}],"average":{"sentiment":"neutral","sentiment_score":0.07896168256713444}}}}