{"metadata":{"transaction_key":"deprecated","request_id":"019ddd17-b89c-7b32-8e7c-e22efef100f8","sha256":"f6e2fe6f7b4ac4fc341ceabb98c3fc4bb6e81166cc2b2fc95dff0566fb2e8bb2","created":"2026-04-30T06:33:36.216Z","duration":3610.44,"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":15052,"output_tokens":184},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":16906,"output_tokens":16938},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":16906,"output_tokens":1379}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Yvonne. This is Dana from OQ Financial. How are you? I'm very well. Thank you. I had your staff and Peter both booked in to go through your updated advice document. Is now still a good time for you? Yep. Beautiful. Beautiful. I'm gonna send you an email. Is either of you or both of you able to jump into your emails and view the document at all? Yeah. That's absolutely fine. Not a problem at all. All good. And is Peter there with you as well? Beautiful. Beautiful. Excellent. How have you both been? How's your day going? You're right. Oh, it's is one of your pet, is it? I bet. I bet. Yep. All good. Got that one. Beautiful. Beautiful. Now before I jump in and go through this with you, just to let you know, we do record our calls for quality and training purposes. Are you both happy for me to proceed with that? Lovely. And just to do security, just the phone of you is fine. If I just get you, Yvonne, just to confirm your date of birth and address for me? Yep. Oh, beautiful. Thank you so much for that. So with regards to the advice there, as you open it up, the first page does let you know, has been prepared for both of yourselves as sorry. By myself and my lovely team here, my authorized representative number is 1304394. All advice that we're going through is provided under the best interest duty there, essentially, with this advice document. We did the annual review last year, and I apologize for taking a little bit long to get this one out to you. But we were just looking at making sure that you were on track, looking at, you know, where you were going retirement wise. You both made mention that you were both looking to retire, hopefully, in the next ten years. And, Katie, you're back at work now. You've got a new job. Fantastic. Michelle made mention that you off the twenty one days, you'll be working for this stint. Wow. Yeah. Wow. That's a, yeah, that's a long stint, isn't it? No. Absolutely. That's okay. The email I had for both of you was the same email address. I've got peter.wooderson1@bigpond.com down for both of you on file. So it's gone through to the same email. Yep. Yeah. That's okay. When you go into the email inbox, there'll be two individual invitations. It's all good, honestly. It's so good to talk to you both again. I've missed having a little chat. So what I did was I went back after the review last year. We had a bit of a look at everything with you, Super. I am making a recommendation to make a couple of changes. This year, especially, we have seen some changes in the market conditions. So it did mean that we wanted to update some of your investment options. I've done that for you, and this is essentially outlining that, and then we are working towards being able to retire. You guys mentioned in the next ten years, if anything changes, we can always look at this. But I wanted to, as part of this document, kind of show you where we're tracking for, not just for the projection table, but just sort of showing you where you might be tracking for in retirement, how long Susan might be expected to last with the draw downs and things like that. So I put a little bit more into this for you. Okay? You're right. It's okay. One of them should be for one should say Peter, one should say Yvonne. On the same email. Yeah. Because on file, the last time we updated the details, you just wanted needed to use the same email address. So we have the same email address on file, so that's okay. Oh, that's okay. Oh, that's email if we could get around it, it'd be great. When the technology can be a pain when it don't work. No. That's honestly okay. It's not a problem at all. To make this a bit easier, there is quite a lot of pages there, but I'll just sort of make it a bit easier for you both. If I can get you to go down to page number 20 for me, I'll just take you through what these recommendations are, and then I'll show you why I've made them this way for you. Perfect. Now, Peter, you are still a high growth investor, so we're still looking at the high growth portfolio for yourself there. But as I kinda made mention, I've had a bit of a look at your investments, done a bit of looking around and seeing how things are structured for you, and I am making a bit of a recommendation that we make a change to these. So you both have been along Australian equities inside your inside your papers the last couple of years, and then along long term has been a great investment. But since January, it's actually been underperforming pretty significantly. So we went so we went back and we spoke to Servi and Bart and sort of said, look. This isn't working. We need to find something else. So we've done a bit of research around what to alter and to how to move that investment. So we're gonna sell that for both of your portfolios, and we're moving the funds out of Benelong Australian equities and into the a 200, which is the second one from the bottom there, the BetaShares Australian 200. Now this investment yeah. Sorry. Page 20. Sorry. You're right. Tell me if I need and it goes slower for you, Peter. Yeah. That's the one. Yeah. So we're gonna sell all of the Bannalong Australian equities. Now Bannalong is a managed fund, and the reason it was in everyone's portfolios back in the day was that it was more of an actively managed component. So the investment committee of that managed fund are supposed to be buying and selling and trying to outperform against the market. And as everyone sort of noticed, they have not been. We flagged it as soon as we started this year, and we're like, we have to get this out. So we've been going to doing advice to everyone to try and alter the portfolio, but making sure we're investigating what's important to you guys as per your goals. Yeah. So this is actually selling it. So this says that you've got $64,007.46 in that Bennelong Equities investment, and we're gonna sell all of that, sell it all down. Bennelong normally has about 25 to 30 different investments in it. So by moving the money into the beta shares Australian 200, you're actually tracking the top 200 companies in Australia. And because Benelong only has between 20 to 30 different investments at any one particular time, moving into the a 200 gives you more diversification in your portfolio. So it's helping to lower the overall risk. We're diversifying across more Australian equities as well, and it's actually cheaper. It's a passively managed fund, and it's actually cheaper than holding Benelon. So it's gonna help in reducing your investment costs as well in your in your fund. Yeah. I did look at all the super funds. Netwealth is still really important to retain for the both of you for the time being. I did I do look at the tax consequences of moving out. Netwealth is still a great platform. There's no real changes in the platform that require us to move you out at the moment, so I'm retaining Netwealth. The other investments, gold has performed really, really well. So we are keeping gold, but we are just rebalancing a little bit for you there, Peter. So you have about 7.58% now. I'm gonna sell down a little bit just to 7%. We're just cementing some of the gains that's received and making sure we distribute those elsewhere, keeping, you know, rebalancing your portfolio as well is really important. The BetaShares cybersecurity, we're gonna buy a bit more of that. You've got 5.51 now. Just need to rebalance up to 6% for you. The iShares Europe is still a great place to be giving you diversification across the entire European all the European countries there. There's about 16 of them, I believe. You're underweighted there, so that's gonna increase that to 9% for you. We've also got here the the Misky Europe one. We're gonna get rid of that completely. Yep. We're gonna sell all of that down to zero. And then the Japanese one, we're going to just sell a bit down to bring you back to 5% there. Japan is still really important. It's been really great. Yeah. Yeah. So that yeah. Well, these haven't been sold yet. This is what we're going to do if you sign the advice. So we haven't quite done that as of yet. Yeah. I I promise never to sell anything until you tell me it's okay to do so. Yeah. No. No. We needed to make some changes, and I wanted to make sure this happened for you. So when we came back and saw what was going on, I wanted to make sure we updated this advice for you and show you what you know, make sure that things are working harder for you moving forward as well. Yeah. Mhmm. Yeah. Yeah. Absolutely. Yep. Definitely. Okay. Interesting. Mhmm. Yes. Yeah. Absolutely. Yep. Perfect. Yeah. If you can let me know how much you should have been paid, I can go through and have a look at all the transactions from the day we opened Netwealth, and I can let you know what you what you've gotten, what you might be missing, and kinda marry it all up for you. Absolutely. Yeah. Yeah. Perfect. All good. Yes. It is. Yeah. Yeah. Yeah. We can bank transfer that one. Yeah. No. It it has been yeah, no. It has been very, very up and down. It's a little bit scary that one man has can do so little and or make one tweet and most and people start to sell and freak out about what's happening in the markets there. So it's a little bit scary. No. Yes. I know. We saw that. We were like, woah. That was a clever move. Jeez. Oh, absolutely. There's another thing I've noticed as well because I've been doing a lot of research for clients around the oil side of things. But when you look at, like, where a lot of the ships are coming from at the moment, a lot of them are coming from The US. So it's kind of a little bit clever. It's annoying, but very clever that, you know, this has happened, and where do we have to go to buy oil? The US. Correct. Correct. Yep. Yep. So we'll have to wait and see what happens. But, yeah, no. Look. Things have been very, very up and down within markets. I think March was probably the biggest drop that we've seen this year so far. But we have also seen some sort of recovery from it as well. So we thought while the market is moving the way it is at the moment, let's take advantage of that. We'll do, you know, the investment switches for you guys now. That way, you know, where the gains that have been made from some of the investments will be redistributing those across. And then while the market is seeing some downtime, we're buying into some of those investments at a discounted rate. So we can take a bit of an advantage of those downtimes, and then just keep monitoring things moving forward and let you know when we need to make updates and changes for you both as well. Okay? All good. But I can safely tell you I have been watching it very, very closely. And if there was anything really scary I think we needed to get out of the market, I'd definitely let you guys know. But right now, it's the biggest dips haven't been massive. They're being maybe three, four, 5%, so nothing really, really scary as of yet. So yeah. All good. But with this one here, Peter, the only other changes are you've got some s and p 500. So we're rebalancing that, keeping in that one. I know it is a US investment, and there are some people who are a bit skeptical about The US investments, but it is still a great place to be. And especially with what Trump is doing now, it's benefiting The US, so it's still good to be invested in that. The thing I like about the S and P 500 is that it is the top 500 companies in The US, and it tracks the S and P 500 index. The investment committee for the index actually do meet every quarter, and they essentially assess the companies in the index. So if a company isn't doesn't meet the criteria to be in the top 500, they are removed out, and others are put in their place. So you are always tracking the top 500 companies, and that way you're not in companies that are underperforming against the market and don't meet that criteria. Okay? Yeah. A bit more diversification with the Vanguard All World Index, excluding The US because we have the S and P 500 there, making sure that we're diversifying your portfolio because you guys are about ten years out, but you are closer to time at years. Diversification to help lower the risk of making sure we're hitting as many markets as we can for you. And try to keep the investments a bit more passive, low cost so things are working for you, but you don't wanna be paying everything out in investment fees as well. So this is a really good portfolio for getting closer to those retirement years. The beta shares a 200, which is the top 200 companies on the ASX, and then we've got core composite bonds. These are defensive investments. The core composite bonds are government as well as banking bonds and company bonds. Inside this investment, we also have things like credit notes, and it's not just Australian bonds. It's also worldwide as well. So it's giving you diversification, low risk, and these sorts of investments pay out dividends on a monthly basis so they can help with the income producing in your portfolio as well. Okay. Excellent. Yeah. No. You've at the moment, the current waiting is zero, so you don't have that as of yet. We're gonna, yeah, we're adding that in for you. Yeah. Yep. Yeah. Absolutely. Yeah. And at the moment, I did notice with your portfolio, you do have a little bit more in cash than what we'd like. At the moment, your cash balance if you go down to the next page, you have about 20,000 in cash. So a lot more in cash than we would wanna keep. Cash doesn't really do anything. So we're gonna invest a bit more in the rest of the portfolio and remove about 17,000 in cash, distribute that across the portfolio. So you should only have a target weight of about 2,710 in cash after the changes are being made. Yeah. The if you get under page 23, this is essentially showing you the changes and how that'll affect your super. The first column has your current scenario. So you've got your current balance there, the fees that you're paying, your contributions based on your current wage, and we know that with your job at the moment that you you're casual now. You'll go to part or full time down the track, and your wage will probably drop a little bit. So this is based on your current expected contributions. In the appendix, I've also done a secondary one of these, which shows if your wage was around, say, 90,000 on a yearly basis and the contributions were lower, what the difference might be. But it still puts you in a really good position, and we can, you know, always meet up in the next six months and sort of see what's changing and reevaluate where things are tracking. But this is just using a conservative contribution rate based on your current income. Okay? In order to make the changes, we do know that your super fund does a tax return like you do every year, and it does pay tax. So I did go back and calculate and look at the tax consequences for buying and selling the different investments, and that's in the different column here, the 02/1975. So in order to make the changes, the capital gains tax your super fund will account for is about $275 there. Okay? So only a small capital gains, which is good. And we're not moving at a net wealth. There's no sort of point to change that in net wealth. I did look at other funds to see if there's anything that was gonna be cheaper or better, but we'd have to sell the entire portfolio down, which would end up in a larger capital gains consequence. I didn't wanna do that. I wanna limit the amount of taxes you've gotta pay and things like that on your fund. So keeping you in net wealth, but making the changes, you can see the investment fee drops drastically. So we can save you about a thousand and $35 on the investment fees for making the change, yeah, which is really good because, you know, we don't really be paying lots of fees for the investment. We wanna save you as much money as possible. Okay? Excellent. With we do expect, obviously, growth the the growth at the bottom there is higher. So with your current portfolio, the five year rolling average has averaged about 8.32% on a yearly basis. This newer portfolio, when we look at how it's performed over the past five years, it's averaged about 17.2 three two percent, and we can sort of see if the market performs the way it has over the last five years and it continues that way. On the next page, you'll see the projection forward of where you could end up over the next five or ten years depending on what happens in the market. So I never never gonna guarantee you'll get 17% every year. However, if the market was able to generate that over the next five to ten years, this is essentially where you could see your balance ending up. Okay? Beautiful. Yeah. And we'll just keep making sure we do our reviews every year with you, see how things are going, and make sure you're sort of looking forward and on track there. Okay? Beautiful. I do obviously have in there the advantages, disadvantages, the risks involved. The advantages of this portfolio is definitely a lot cheaper for you, has performed much greater there. The disadvantages are that you've got the CGT consequences. There's also no guarantees market will markets will react the way they have in the past, but we certainly do hope so. And this portfolio has shown over the past, you know, three to five to ten years that it's had a much greater track record. So we utilize that data to project forward knowing that this is what it could do in the future if it acted the same way it has in the past. Okay? Yeah. Yvonne, with your portfolio, you're in a growth portfolio, so you're a little bit lower risk on things than where Peter is. He's in that high growth environment. And on page number 30 is essentially the changes we'll make to yours. That's okay. You're fine. Yeah. Mhmm. Well, I did sort of look at that, and our interest rates have definitely changed since since we sort of last spoke. So I can relook at it again for you. At the moment, I've left it in super and tried to make it work, you know, with the portfolio as much as possible. Because your goal at the time was to kinda keep it working. You said you didn't wanna touch it for ten years. But if you wanna if you want to, I can go back and have a look at the difference and see if, you know, it's better to put it on the house. Or if at any point you decide you don't wanna keep it in super and you just wanna pay off your home loan or pay your home loan down, you can let me know, and we can absolutely take it all out. It's not a problem. It just comes down to what your preference is. It it does. Yeah. You don't, but your super fund does. So if we were to, I could absolutely have a look at what the total capital gains were, and your fund just essentially holds that money back, and you just get the difference out. So if that's something you wanted me to look at, I absolutely can. Out. So if that's something you wanted me to look at, I absolutely can. I know since we last sort of caught up, interest rates have gone up and down and sideways and yeah. Yeah. Mhmm. You are yeah. And look yeah. It would be different. We've seen a contributions going in, it does make a bit more of a difference. We can also look at if you wanted me to, I can also look at contribution splitting. So when Peter sort of does go full time, I can look at even splitting some of his contributions into your super so you are getting contributions. We can also do other yeah. Yeah. It normally does work out much better that way. It also just comes down to what your preference is. But yours yeah. Yeah. Yeah. Yes. Yeah. Yep. Yeah. That's that's okay. If you wanted to send me through an updated statement with your interest rate, I can have a look at it for you if you like and send you through a comparison. That's absolutely fine. With with the, I mean, with the portfolios, the interest the sorry. The rate of return that you've got in here is showing you the average over the past three to five years. But these portfolios can see rates of return of five, ten, 20%. And with a balance of a 110,000, even having a three or a 5% return can make a bit of a difference, especially when it is compounded. So you could see this grow pretty significantly. To make it easier, if you just scroll down for me to page 33, I'll actually show you the projection before I go through the changes because yeah. So you'll see you've got your current balance at the moment, which is $112,003.08 5. If I'm making the changes, I'll take you back to this in a moment. The CDT expected is $2.69, for $269. We're saving about $720 in investment fees, and the portfolio that you're in currently has averaged 6.07%, whereas this newer portfolio has averaged 12.97%. So, again, you may not get that. You might get a 5% return one year, a 10 percent return the next year. You might get a 15 or 20% return the following year, and it's absolutely possible even without contributions going in. Because the one good thing about these is that all of these investments do also pay, except for gold, they do pay dividends. So we've got dividends with the fixed interest and the the comp the bonds. We're also getting coupon payments with interest payments being paid out, and these are going into your cash account. So your funds are still paying income to you. That gets paid to your cash account, and that's it then gets reinvested back into your portfolio. And that does help with the compounding effect. So it's not to say it definitely won't grow. If there was any chance I saw it starting to go backwards, I would absolutely say pull it out. It is not worth doing so. But having a look at this at the moment with the way the markets are reacting, the the kind of growth we can expect and see, there's a chance that you could go over the next five years have either a 167,000, or if the market still performed, if you are able to get a 12.97% return even with no contributions, you could end up in ten years with about 250,000 in there. So it's definitely not as much growth as what Peter Soufri is seeing, but it does see that growth. The money is still invested. And you can still pull it down if you do need, you know, additional funds here and there for bills or for, you know, something big or a holiday or something because you're not working and you're over 60. You have full access to this money. But in saying that, if if you just wanna pay off the mortgage, you're welcome to ring me and go, Dana, I'm done. Take my money out. I just wanna put on the mortgage and reduce the amount we have. We would just pull it out. It can be done as a transaction without advice nice and quickly. It can go on the mortgage. And you're still young enough that if you change your mind, we can always put some back into super. So or invest it in other ways. So you do definitely have other options there to have a look at. Yeah. Yeah. Well, good. But that's essentially, like, the changes made to yours and where we can see it going. I do wanna make sure we do catch up to see how it is tracking, and I will make sure do you guys prefer maybe a catch up once every three or six months? Do you how often would you like to sort of see a catch up moving forward? Yeah. I am. Yeah. Yeah. Yeah. It's okay. All good. And if if you wanna send me through a statement, I can even send you another email after the call so you've got my email there. But if you wanna send me through another statement just with the updated things, I can have a look and give you a comparison email to show, you know, what paying this down could do and how it could how much interest you could expect to kinda save on putting this money towards your mortgage just to give you a comparison so you can kind kinda have a think about what you'd like to do. Yeah. Yeah. Oh, good. So back up on page number 30 there, you'll just see a lot there are a lot of the same investments. So we're just gonna sell off some of your gold. You've got about 20% gold in there at the moment. It's a beautiful increase in your in your portfolio. So selling off some of that and just retaining 10,000 in there, gold is a really great growth investment, but the downside to gold is it doesn't pay any income. So you wanna make sure you're getting some income investments. And the benefit yeah. Yeah. No. You you have asked a really good question. Yeah. It's a really great question. So gold essentially goes on the price of gold, and we look at growth. So say if you bought a a couple of shares in gold or, you know, a bit of gold and you paid $20 per share in the gold price, and the next day, it went up to $50 per share. That essentially the difference, that $30 difference is your growth, and that's what gold does. It just grows and alters in value. So the difference between your buy price and the price that is the next day or the next month is what you could sell it for. Correct. And that's essentially the growth, and that's all gold does. It only has growth in it. Whereas absolutely. So your S and P 500 and, say, your Vanguard fixed interest, those investments pay income, which is like dividends. So as an example, if you held BHP or CBA shares, those companies earn income every year. And at the at tax, yeah, at tax time, those companies all decide how much income to distribute between their investors. Their investors are you guys because you own those companies through super. It's yeah. It gets paid it goes into your cash. That's right. And then it gets reinvested back into your portfolio. Yeah. Does that make sense? Correct. Yeah. Correct. Yep. Yep. So you're getting benefits on two fronts. You want growth and income. Yeah. Yeah. Definitely. Yeah. Nine. Yeah. Wow. That's fantastic. Yeah. I mean, hold on to that because gold's gone up by, what, 30 or 40% over the past couple of years. If it continues, wow. Yeah. Yeah. Yeah. Yeah. Yeah. Wow. Yeah. Wow. Yep. Abs absolutely. Yeah. Yep. Yeah. Yeah. Absolutely. Yeah. No. That's exactly whenever yeah. Sorry. Yep. Oh, absolutely. Absolutely. No. That's fantastic. I mean, my kids have started investing in there. I mean, I've had a little investments outside of Super for my kids for the past couple of years, but they've started putting their own money in there. And they've got a bit of gold, a bit of, you know, the S and P 500, a bit of little bits of everything here, and they're building that up. And it's really cool to kinda see things grow and build and, you know, it's really fun. It's it's not great when it all goes red. But Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Let it let it have that first and then see what happens. And yeah. Look. If any of them wanna have a chat to me, more than happy for them to reach out or for us to reach out to them even if it's, you know, not advice needed. They just want some information or, you know, ask to do a bit of work and give them some free advice. I'm absolutely happy to do that. I just I love working with people, and I wanna make everyone's world better. So everyone's worked so hard. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. It is a big it can be a big step for people to take to sort of think about an adviser. It's not something that everyone is comfortable or confident doing. But even if you just let them know, look, there's no obligation to the initial consultation. They don't have to take any of the advice. Everything I give is it's just advice. And even with this like, I'm just giving you advice on how we can make the changes, but you guys get to decide whether you take it or not. There is no you know, it's all completely up to you. There's no obligation whatsoever on any of the advice I give, and I'm more than happy to alter it and change it. You know, I'll go back after this if you send me a statement. I'll go do a little bit of after work for you and show you a comparison on the mortgage, and then you can decide what you wanna do as well. So it's by no means in any way, shape, form forcing you guys to do anything that you're not comfortable with, and I would never want anyone to feel like they're forced to take on anything they're not comfortable with. So I tend to just let people do things in their own time, and it tends to work out really well because they everyone thinks about it. Some people procrastinate, but then when they make that leap, they feel good about making a leap. It's not as scary. So yeah. Yeah. Yeah. That is true. That is true. Yeah. Yeah. No. I that's definitely a thing. Yes. Yeah. No. Correct. Absolutely. Yeah. I'll be okay. Yeah. Yeah. Yeah. Yeah. That might be. Yeah. Absolutely. No. There's definitely things and that kind of money, there's definitely things we can do to try and get even a part pension out of the government to kind of alleviate some of the financial pressures and stress and give them a little bit of, you know, help. So but also having money just invested in different ways. It doesn't even have to be risky. You know? It can be as you guys get closer and closer, I mean yeah. Yeah. We can look at very defensive investments. We can look at things that are a lot more low risk because you guys have still sort of mentioned that you're not accessing super for ten years. With Peter still comfortable in that high growth environment, that's absolutely fine. With you in that growth environment, that's still fine and okay. As you get closer to that ten year time horizon, I would definitely be telling you to pull things back a little bit, and we'll be having that conversation more and more as as the years go on. So, you know, we don't wanna keep you really risky forever. It's about making sure that you're invested in a comfort level, but also for the time horizon that you suit as well. So, yeah, there's definitely ways that we can look at that, and it's definitely different for everyone as well. So yeah. Yeah. But, no, that's essentially how those sorts of investments work. As I said, we'll sell a bit of the gold. You've got a high amount of fixed interest to the Vanguard. They will sell some of also all of that, sorry, and put the money into the core composite bonds because bonds are doing really well at the moment, and this is well diversified for you. We'll keep some cyber security. Just bring you down to five to 5% there, and then we'll also have some European bringing you up to 8%. The iShares, Europe one, the Miski, we're gonna sell all of that. We're gonna buy a bit more Japan sorry. Sell a bit of Japan, bring you down to 5% there. The S and P 500 will bring you back down to about 30%. Make sure you've got some of the all world index as well. And then, again, we'll keep some we've got some beta shares a 200 in there as well for world diversification and access to the Australian market as well. Okay? Your your cash component is still quite high as well, so we're gonna make sure that we bring that down to the minimum because having a lot of money in cash really doesn't do anything for you. It actually costs you money by having it sitting in a cash account. You pay, you know, fees for that, but you don't get any kind of return for it. So you do have quite a lot there. No. Yeah. It would have been over the course of the year, but a lot of it was also just, you know, in cash management. So the super funds do cash management every so often, and they'll sell an investment, try to re reweight or rebalance an investment, and the difference will go back into cash. So some of that would have been dividends paid. Some of it would have been other things like, you know, cash is being left out by the the fund doing cash management re and rebalances and things like that. Okay? Yeah. All good. Yeah. So this is essentially the major changes there. I'll show you why I've made these changes. If you go down to page 36 for me, and this is something that's not really important in any of the other plans. It's something I like to do. It's kind of modeling out to show you, you know, where we're kinda tracking. And if these investments perform the way we want them to the way they have over the past, we can kinda see that as you get to those retirement years, what kinda income you could be able to draw down. I've had a bit of a look, and based on the assets that we have noted, you will be eligible for a bit of central income. So this shows if we are to get some age pension all the way through and when we kind of originally spoke, we were looking for a regular weekly income of a thousand dollars per week from both of your spaces combined and how long that was gonna last. So this shows if we make these changes and if the markets work the way they have, and we'll keep tracking and looking at everything, You could be eligible for some age pension there, and then we can also draw some income out of both of your supers to supplement. And we can see here that your supers are expected to last until about age 91. And we're working on a projected income of 52,000 per year. This is estimating that you could exceed that and draw 80,205 between your super account balances and Centrelink and have that last until about age 91. So we could, if we drop down and draw less than 80,000, have that last a little bit longer there. But it shows you that if things work the way they're projected to currently, that this is where we can sort of see things projected for retirement there. Okay? And then I hope you do. Oh, no. I want you to stay alive as long as I'm working. Once I hit retirement, it'll be fine. But yeah, yeah, and the next one down shows you essentially the track without age pension. So, obviously, without having age pension factored in here, we are a little bit short of what your goal income is between your two super accounts. And to get longevity, we'd be drawing about 28,000, which is less than what you you guys want. So we do wanna make sure we can sort of factor in age pension there, but I like to run these sorts of retirement calculators to see where we're tracking for, what we're headed towards, to give you a bit of an idea. I know it's not something that, if you put into the plans in the past, but I'd kind of like to show you what we're on track for and how we're projecting because it gives you an idea of what retirement might look like, and you guys have worked way too hard over the years not to enjoy your retirement. So No. That's okay. Yeah. Yeah. Yeah. Yeah. And that's kind of where I've I've put that retirement calculator was working on Peter's ten year time horizon, so 60 eight for that one. And, I mean, you guys are eligible for age pension at 67. So, you know, that that is yeah. I think it will change, but I don't think it will affect you guys. It'll be it'll be grandfathered because anyone on and you sort of see when they made those changes to the age pension, they did grandfather it. So anywhere before 1961, there was kind of that change where people who were in their fifties were eligible for accessing Centrelink due to the year they were born. But I do think the change will be coming. I don't think it'll be in the ten years because right now with where we are, with the amount of people about to retire and, like, my mom is one of those. My mom is 64 this year, and she is hanging out for age 67 to be able to give up work. She's an age 10 nurse. It's very it's very strenuous. So 60 yeah. Yep. Yep. Oh, that's a lot. Yeah. Yeah. Yeah. Yes. Yes. Yes. Yeah. Yeah. It is. Yeah. Yeah. Yeah. Yeah. It it's very, very difficult. It is. It is. And we're just, you know, biding time. I'm keeping her going for a bit longer. And she knows as soon as she's because you can apply for age pension when you're thirteen weeks away from age 67 currently. So once she hits that thirteen week period, we are hitting that ground running and we're doing it. And the same thing for you guys because I know you're over 60, so you'll reach 67 before Peter will. So when you get to that point, you and I can have that conversation. I can do some math and run some numbers and see what we do and, you know, how we maybe maneuver some money to make it worthwhile so you guys are eligible and keep as much age pension as possible because, you know, you've worked really hard. You deserve these sorts of things and a little bit of that age no. It depends on what he is earning. So if he's earning on the kind of income he is at the moment, there's a very real opportunity you may not be eligible because they work. You get the assets test and the income test, and the one that gives you the lower rate of pay is the one they go with. But we can but we can also look at, you know, maneuvering some things. I can find ways to I have legitimate legal ways to hide money or to we call it sheltering of funds so that it's either not assessable or the accessibility by Centrelink is lowered because of the asset it is. And I can work out both the income and assets test and do the math calculation to work out how it work and what it looks like for you guys. So there's definitely some things. Not necessarily not necessarily. I've got some really cool other things that we can look at to shelter money so that you have access to money when you need it, but the the the Centrelink isn't assessing it the same way as they would your super. Yeah. It is pretty cool. It is pretty cool. I I love it. It's funny because one of my best friends works for Centrelink, so her job is to give you the least amount of money, and my job's to get you the most. Yeah. Yeah. Yeah. Absolutely. Yeah. Abs absolutely. As I said, just make mention, there's no obligation, but as much as it's always better to try and do things as early as possible, it's also gotta be within someone's comfort level. So when they're ready, I will be there at any time they are not. Okay? Yeah. All good. That's essentially what I needed to go through with you guys. I do have a little section at the bottom there just recommending that you still review your existing will. Retaining the insurances that you have at the moment, your your Peter's life and CBD and your life cover with real, just because you're still comfortable with the level of cover, but we'll keep reviewing those down the track as well. Yeah. The biggest thing I sort of think of is life insurance is important in my view when you have a mortgage and or some sort of debt that needs to be paid out. The other thing the other reason I kind of kept your super where it was was one of the other goals down the track was that you were wanting to maybe sell the property. So is that still something you're looking to do medium term, maybe sell the house and buy something smaller or yeah. Yeah. Yeah. It's a lot. Yeah. Yeah. Yeah. Yeah. Yeah. The the things do accumulate. Yeah. Yep. Yep. Yep. Yeah. Yeah. Yeah. Mhmm. Yep. Yes. Yes. Yeah. Yeah. Definitely. Yep. Well, when you get to that point, yeah, if you still have the money and see, but we'll look at what we can do. I mean, another way of sheltering that money from Centrelink is to be able to put it on the home because the home is a 100% exempt. So paying down the mortgage and putting the money on the home does sort of benefit you guys. But, yeah, you are right. When you get to those to ages with the mortgages and the lending side of things, they are looking for an exit strategy. They're looking at, you know, if something happened, how are you gonna pay that back if you're not gonna work until you're 90? So yeah. Yes. Wow. Wow. Yeah. Mhmm. Yes. Yeah. Yeah. Yes. Yep. Yeah. Wow. Yeah. Wow. That's crazy, isn't it? Yeah. Wow. Yeah. I know my house insurance has skyrocketed again with the 2022 floods in Northern New South Wales. And then and then the cycling thing last year, I think my flood levy went up to just over $1,000. I paid $3 just to insure my house this year. Shocking. I nearly cried. Yeah. Wow. It's a lot. Yeah. Yes. Yes. Yeah. Yeah. Wow. Wow. Yep. Yeah. Makes sense. Yeah. Definitely. Find it and see what they come out with. You just never know. You might win. You might be a you might be able to convince them. Yeah. I mean, when I've changed insurance, I've never had to give them any of the documents. I've just had to tell them I had it. No. So yes. Interesting. Be worth be worth looking at. Yeah. Wow. Wow. Yeah. Absolutely. Wow. Yeah. K. Yeah. Yeah. Wow. Wow. Well, yeah, hopefully, they get that passed down for you a little bit. Then I'll look at I will I'm sorry. I'll send you an email after the call if you like. If you wanna send me a statement, I can have a look at the difference in the mortgage for you. I I also did just pull up a report for you real quick as well. So your portfolio over the last twelve months has returned at 8.65%. That's a return for growth and income of over 9,002 September, so an eight percent return. So even without contributions, there is a possibility you can still get great returns and compounding out of your super. So it can be done. Yeah. So it can definitely be done, but it's also gotta be something that you're comfortable with. So feel free to have it read to the document. Let me know if you have any additional questions. If you're happy to take it on board and wanna suddenly go through the switch and take the advice, I'll get you to sign and return it back. In the meantime, if you send me a statement, and I'll send you an email after the call as well, And I can go back and just do some additional research there for you, and I can send you a a comparison on what it might look like if you paid this money off the mortgage and what kind of interest you might save just so you can see the difference there. Okay? Yeah. Oh, good. I have got something back at this high sign. That's okay. Look. We'll make the changes for you anyway. And then if you ever decide you if you decide you wanna pull it out, let me know. You've got me here. You can use me to your full advantage. I can do as much research as you want, and we can talk about all the options that are viable to you as well. Okay? Oh, you too. Anytime, Yvonne. Thank you so much. Have a really great week. I'll talk to you soon. Thanks. See you later. Bye.","confidence":0.99609375,"words":[{"word":"hi","start":4.56,"end":4.7999997,"confidence":0.9904785,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":0.1600145548582077},{"word":"yvonne","start":4.7999997,"end":5.2,"confidence":0.91625977,"punctuated_word":"Yvonne.","sentiment":"neutral","sentiment_score":0.16438870131969452},{"word":"this","start":5.2,"end":5.44,"confidence":1.0,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.2144841700792313},{"word":"is","start":5.44,"end":5.6,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.17107132077217102},{"word":"dana","start":5.6,"end":5.92,"confidence":0.88427734,"punctuated_word":"Dana","sentiment":"neutral","sentiment_score":0.18120503425598145},{"word":"from","start":5.92,"end":6.08,"confidence":0.97265625,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.2154099941253662},{"word":"oq","start":6.08,"end":6.3999996,"confidence":0.27246094,"punctuated_word":"OQ","sentiment":"neutral","sentiment_score":0.16963264346122742},{"word":"financial","start":6.3999996,"end":6.8999996,"confidence":0.8483887,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.19402967393398285},{"word":"how","start":7.2,"end":7.44,"confidence":0.9970703,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.19054898619651792},{"word":"are","start":7.44,"end":7.6,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.19836026430130005},{"word":"you","start":7.6,"end":8.1,"confidence":1.0,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.2180234491825104},{"word":"i'm","start":9.92,"end":10.24,"confidence":0.91381836,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.5906332731246948},{"word":"very","start":10.24,"end":10.559999,"confidence":0.90478516,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.6319558620452881},{"word":"well","start":10.559999,"end":10.96,"confidence":0.9970703,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.636305570602417},{"word":"thank","start":10.96,"end":11.2,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7280421257019043},{"word":"you","start":11.2,"end":11.7,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6791046261787415},{"word":"i","start":11.84,"end":12.0,"confidence":0.9941406,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3949593901634216},{"word":"had","start":12.0,"end":12.24,"confidence":0.8442383,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.4645828306674957},{"word":"your","start":12.24,"end":12.555,"confidence":0.27148438,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3364619016647339},{"word":"staff","start":12.555,"end":12.795,"confidence":0.44726562,"punctuated_word":"staff","sentiment":"positive","sentiment_score":0.3535040318965912},{"word":"and","start":12.795,"end":12.955,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2924666106700897},{"word":"peter","start":12.955,"end":13.275001,"confidence":0.9199219,"punctuated_word":"Peter","sentiment":"neutral","sentiment_score":0.2397265583276749},{"word":"both","start":13.275001,"end":13.515,"confidence":0.9741211,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.18006853759288788},{"word":"booked","start":13.515,"end":13.675,"confidence":0.9453125,"punctuated_word":"booked","sentiment":"neutral","sentiment_score":0.321166455745697},{"word":"in","start":13.675,"end":13.835,"confidence":0.93115234,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.32585054636001587},{"word":"to","start":13.835,"end":13.915,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.28576651215553284},{"word":"go","start":13.915,"end":14.155001,"confidence":0.9970703,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.3087424635887146},{"word":"through","start":14.155001,"end":14.395,"confidence":0.9951172,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.38815805315971375},{"word":"your","start":14.395,"end":14.555,"confidence":0.9970703,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.35408297181129456},{"word":"updated","start":14.555,"end":15.035,"confidence":0.9819336,"punctuated_word":"updated","sentiment":"positive","sentiment_score":0.3426768183708191},{"word":"advice","start":15.035,"end":15.435,"confidence":0.85498047,"punctuated_word":"advice","sentiment":"positive","sentiment_score":0.35168883204460144},{"word":"document","start":15.435,"end":15.915,"confidence":0.99316406,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.2665899991989136},{"word":"is","start":15.915,"end":16.075,"confidence":0.96875,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.20486612617969513},{"word":"now","start":16.075,"end":16.395,"confidence":0.8330078,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.22728987038135529},{"word":"still","start":16.395,"end":16.555,"confidence":0.9560547,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.21215148270130155},{"word":"a","start":16.555,"end":16.635,"confidence":0.9819336,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.30222076177597046},{"word":"good","start":16.635,"end":16.795,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.273562490940094},{"word":"time","start":16.795,"end":17.115,"confidence":0.9980469,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.34030863642692566},{"word":"for","start":17.115,"end":17.355,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.28120431303977966},{"word":"you","start":17.355,"end":17.855,"confidence":0.9995117,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.23633262515068057},{"word":"yep","start":19.435,"end":19.935,"confidence":0.96606445,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.25367337465286255},{"word":"beautiful","start":19.995,"end":20.495,"confidence":0.9975586,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5380125641822815},{"word":"beautiful","start":20.635,"end":21.135,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5162305235862732},{"word":"i'm","start":21.355,"end":21.515,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.27605754137039185},{"word":"gonna","start":21.515,"end":21.915,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.20684197545051575},{"word":"send","start":21.915,"end":22.235,"confidence":0.9951172,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.18970619142055511},{"word":"you","start":22.235,"end":22.395,"confidence":0.93115234,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13856886327266693},{"word":"an","start":22.395,"end":22.635,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.1380268633365631},{"word":"email","start":22.635,"end":23.115,"confidence":0.99658203,"punctuated_word":"email.","sentiment":"neutral","sentiment_score":0.14818474650382996},{"word":"is","start":23.115,"end":23.595001,"confidence":0.9980469,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.06885937601327896},{"word":"either","start":23.595001,"end":23.994999,"confidence":0.9902344,"punctuated_word":"either","sentiment":"neutral","sentiment_score":0.09859688580036163},{"word":"of","start":23.994999,"end":24.154999,"confidence":0.99121094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07719254493713379},{"word":"you","start":24.154999,"end":24.314999,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08693341910839081},{"word":"or","start":24.314999,"end":24.555,"confidence":0.9863281,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.07663507759571075},{"word":"both","start":24.555,"end":24.795,"confidence":1.0,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.09130210429430008},{"word":"of","start":24.795,"end":24.955,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10370906442403792},{"word":"you","start":24.955,"end":25.115,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1212133765220642},{"word":"able","start":25.115,"end":25.435001,"confidence":0.99609375,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.10900375247001648},{"word":"to","start":25.435001,"end":25.515,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10647328943014144},{"word":"jump","start":25.515,"end":25.755001,"confidence":0.98291016,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.1678224951028824},{"word":"into","start":25.755001,"end":26.075,"confidence":0.9741211,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.1633012443780899},{"word":"your","start":26.075,"end":26.314999,"confidence":0.99316406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1130538284778595},{"word":"emails","start":26.314999,"end":26.795,"confidence":0.9394531,"punctuated_word":"emails","sentiment":"neutral","sentiment_score":0.10833881795406342},{"word":"and","start":26.795,"end":27.115,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09103155881166458},{"word":"view","start":27.115,"end":27.435001,"confidence":0.9819336,"punctuated_word":"view","sentiment":"neutral","sentiment_score":0.1179492175579071},{"word":"the","start":27.435001,"end":27.595001,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06682787835597992},{"word":"document","start":27.595001,"end":28.075,"confidence":0.9980469,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.06021284684538841},{"word":"at","start":28.075,"end":28.235,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09161737561225893},{"word":"all","start":28.235,"end":28.53,"confidence":0.99853516,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":0.07824341952800751},{"word":"yeah","start":31.17,"end":31.490002,"confidence":0.9797363,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08854590356349945},{"word":"that's","start":31.490002,"end":31.73,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.32740718126296997},{"word":"absolutely","start":31.73,"end":32.23,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.35835763812065125},{"word":"fine","start":32.37,"end":32.77,"confidence":0.99902344,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.27767837047576904},{"word":"not","start":32.77,"end":33.010002,"confidence":0.99902344,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.3010596036911011},{"word":"a","start":33.010002,"end":33.170002,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21873825788497925},{"word":"problem","start":33.170002,"end":33.57,"confidence":1.0,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.23399707674980164},{"word":"at","start":33.57,"end":33.73,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.27751624584198},{"word":"all","start":33.73,"end":34.23,"confidence":1.0,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.28408724069595337},{"word":"all","start":34.690002,"end":34.93,"confidence":0.9902344,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.2981818914413452},{"word":"good","start":34.93,"end":35.170002,"confidence":0.98535156,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.27162376046180725},{"word":"and","start":35.170002,"end":35.41,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10327190905809402},{"word":"is","start":35.41,"end":35.73,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07331578433513641},{"word":"peter","start":35.73,"end":36.05,"confidence":0.81152344,"punctuated_word":"Peter","sentiment":"neutral","sentiment_score":0.08058404922485352},{"word":"there","start":36.05,"end":36.13,"confidence":0.7114258,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.06930465996265411},{"word":"with","start":36.13,"end":36.37,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07029682397842407},{"word":"you","start":36.37,"end":36.53,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06829562038183212},{"word":"as","start":36.53,"end":36.690002,"confidence":0.9970703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08449085056781769},{"word":"well","start":36.690002,"end":37.190002,"confidence":1.0,"punctuated_word":"well?","sentiment":"neutral","sentiment_score":0.08104799687862396},{"word":"beautiful","start":39.65,"end":40.15,"confidence":0.9946289,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4483478963375091},{"word":"beautiful","start":40.21,"end":40.71,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5091939568519592},{"word":"excellent","start":41.010002,"end":41.510002,"confidence":1.0,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.5051398277282715},{"word":"how","start":41.65,"end":41.89,"confidence":0.9453125,"punctuated_word":"How","sentiment":"positive","sentiment_score":0.3617297112941742},{"word":"have","start":41.89,"end":42.05,"confidence":0.9658203,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2941810190677643},{"word":"you","start":42.05,"end":42.21,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.25516045093536377},{"word":"both","start":42.21,"end":42.45,"confidence":0.9951172,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.31857821345329285},{"word":"been","start":42.45,"end":42.77,"confidence":0.98461914,"punctuated_word":"been?","sentiment":"neutral","sentiment_score":0.3093337416648865},{"word":"how's","start":42.77,"end":43.010002,"confidence":0.97924805,"punctuated_word":"How's","sentiment":"neutral","sentiment_score":0.2027084529399872},{"word":"your","start":43.010002,"end":43.33,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16824644804000854},{"word":"day","start":43.33,"end":43.57,"confidence":1.0,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.19860462844371796},{"word":"going","start":43.57,"end":44.07,"confidence":0.99902344,"punctuated_word":"going?","sentiment":"neutral","sentiment_score":0.22816751897335052},{"word":"you're","start":48.575,"end":48.895,"confidence":0.7766113,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.03652431070804596},{"word":"right","start":48.895,"end":49.395,"confidence":0.87109375,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":-0.02285861223936081},{"word":"oh","start":59.88,"end":60.2,"confidence":0.73657227,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.03739933669567108},{"word":"it's","start":60.2,"end":60.280003,"confidence":0.46362305,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.049073100090026855},{"word":"is","start":60.440002,"end":60.68,"confidence":0.31982422,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.046009525656700134},{"word":"one","start":60.68,"end":60.84,"confidence":0.70996094,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.0598595067858696},{"word":"of","start":60.84,"end":60.920002,"confidence":0.80322266,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05803806707262993},{"word":"your","start":60.920002,"end":61.24,"confidence":0.6870117,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.04901892691850662},{"word":"pet","start":61.24,"end":61.480003,"confidence":0.8852539,"punctuated_word":"pet,","sentiment":"neutral","sentiment_score":-0.0421161949634552},{"word":"is","start":61.480003,"end":61.72,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.013839205726981165},{"word":"it","start":61.72,"end":62.22,"confidence":0.9995117,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.04239709675312042},{"word":"i","start":65.64,"end":65.96,"confidence":0.6323242,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1752353012561798},{"word":"bet","start":65.96,"end":66.46,"confidence":0.96655273,"punctuated_word":"bet.","sentiment":"neutral","sentiment_score":-0.2010444700717926},{"word":"i","start":66.6,"end":66.840004,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08968208730220795},{"word":"bet","start":66.840004,"end":67.340004,"confidence":1.0,"punctuated_word":"bet.","sentiment":"neutral","sentiment_score":-0.08819003403186798},{"word":"yep","start":70.28,"end":70.78,"confidence":0.99194336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02197417244315147},{"word":"all","start":71.0,"end":71.240005,"confidence":0.9790039,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.06485524028539658},{"word":"good","start":71.240005,"end":71.740005,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.07449522614479065},{"word":"got","start":74.875,"end":75.195,"confidence":0.7128906,"punctuated_word":"Got","sentiment":"neutral","sentiment_score":0.09505897760391235},{"word":"that","start":75.195,"end":75.354996,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09172885864973068},{"word":"one","start":75.354996,"end":75.755,"confidence":0.95703125,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.07587500661611557},{"word":"beautiful","start":75.755,"end":76.255,"confidence":0.9975586,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.3028598427772522},{"word":"beautiful","start":76.475,"end":76.954994,"confidence":1.0,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.2561560273170471},{"word":"now","start":76.954994,"end":77.195,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.09075406193733215},{"word":"before","start":77.195,"end":77.515,"confidence":0.9902344,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.03128936514258385},{"word":"i","start":77.515,"end":77.59499,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05998987331986427},{"word":"jump","start":77.59499,"end":77.755,"confidence":0.9790039,"punctuated_word":"jump","sentiment":"neutral","sentiment_score":0.060828108340501785},{"word":"in","start":77.755,"end":77.994995,"confidence":0.9873047,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05843866243958473},{"word":"and","start":77.994995,"end":78.075,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03933899104595184},{"word":"go","start":78.075,"end":78.235,"confidence":0.9970703,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.05394141376018524},{"word":"through","start":78.235,"end":78.395,"confidence":0.93847656,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.0742313414812088},{"word":"this","start":78.395,"end":78.634995,"confidence":0.99316406,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.06583654880523682},{"word":"with","start":78.634995,"end":78.875,"confidence":0.9838867,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07922667264938354},{"word":"you","start":78.875,"end":79.115,"confidence":0.9921875,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.08343616127967834},{"word":"just","start":79.115,"end":79.354996,"confidence":0.9941406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06697826087474823},{"word":"to","start":79.354996,"end":79.435,"confidence":0.96533203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05502041056752205},{"word":"let","start":79.435,"end":79.515,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.05840367078781128},{"word":"you","start":79.515,"end":79.59499,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.057541828602552414},{"word":"know","start":79.59499,"end":79.835,"confidence":0.89575195,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.07272280752658844},{"word":"we","start":79.835,"end":79.994995,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.057463109493255615},{"word":"do","start":79.994995,"end":80.155,"confidence":0.94384766,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07045155763626099},{"word":"record","start":80.155,"end":80.555,"confidence":0.9970703,"punctuated_word":"record","sentiment":"neutral","sentiment_score":0.0575285404920578},{"word":"our","start":80.555,"end":80.634995,"confidence":0.9921875,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.03746120259165764},{"word":"calls","start":80.634995,"end":80.954994,"confidence":0.98535156,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":0.04805523902177811},{"word":"for","start":80.954994,"end":81.115,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04396405816078186},{"word":"quality","start":81.115,"end":81.435,"confidence":1.0,"punctuated_word":"quality","sentiment":"neutral","sentiment_score":0.04624757170677185},{"word":"and","start":81.435,"end":81.59499,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04867982119321823},{"word":"training","start":81.59499,"end":81.994995,"confidence":0.99902344,"punctuated_word":"training","sentiment":"neutral","sentiment_score":0.0423218309879303},{"word":"purposes","start":81.994995,"end":82.494995,"confidence":0.9995117,"punctuated_word":"purposes.","sentiment":"neutral","sentiment_score":0.06089187040925026},{"word":"are","start":82.555,"end":82.715,"confidence":1.0,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.0463244803249836},{"word":"you","start":82.715,"end":82.954994,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06627435237169266},{"word":"both","start":82.954994,"end":83.195,"confidence":0.99609375,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.09392891079187392},{"word":"happy","start":83.195,"end":83.515,"confidence":1.0,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.07340176403522491},{"word":"for","start":83.515,"end":83.674995,"confidence":0.99121094,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09876063466072084},{"word":"me","start":83.674995,"end":83.835,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.08410071581602097},{"word":"to","start":83.835,"end":83.994995,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08036208152770996},{"word":"proceed","start":83.994995,"end":84.395,"confidence":1.0,"punctuated_word":"proceed","sentiment":"neutral","sentiment_score":0.09309399127960204},{"word":"with","start":84.395,"end":84.555,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.09760166704654694},{"word":"that","start":84.555,"end":85.055,"confidence":1.0,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.09037590771913528},{"word":"lovely","start":86.75,"end":87.15,"confidence":0.99902344,"punctuated_word":"Lovely.","sentiment":"neutral","sentiment_score":0.23641452193260193},{"word":"and","start":87.15,"end":87.47,"confidence":0.98828125,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10154449939727785},{"word":"just","start":87.47,"end":87.71,"confidence":0.52685547,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08071638643741608},{"word":"to","start":87.71,"end":87.87,"confidence":0.87353516,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07885147631168365},{"word":"do","start":87.87,"end":88.03,"confidence":0.9863281,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09102999418973924},{"word":"security","start":88.03,"end":88.53,"confidence":0.98828125,"punctuated_word":"security,","sentiment":"neutral","sentiment_score":0.09427890926599504},{"word":"just","start":88.670006,"end":88.83,"confidence":0.69384766,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08364568650722504},{"word":"the","start":88.83,"end":88.91,"confidence":0.4338379,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09420552849769592},{"word":"phone","start":88.91,"end":89.15,"confidence":0.54785156,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":0.0787607878446579},{"word":"of","start":89.15,"end":89.23,"confidence":0.55078125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10758981853723526},{"word":"you","start":89.23,"end":89.39,"confidence":0.96435547,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1241072192788124},{"word":"is","start":89.39,"end":89.55,"confidence":0.9760742,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1150183379650116},{"word":"fine","start":89.55,"end":89.79,"confidence":0.9658203,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.10078398883342744},{"word":"if","start":89.79,"end":89.950005,"confidence":0.9970703,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.07431332767009735},{"word":"i","start":89.950005,"end":90.03,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06475972384214401},{"word":"just","start":90.03,"end":90.270004,"confidence":0.9506836,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06984879821538925},{"word":"get","start":90.270004,"end":90.350006,"confidence":0.93408203,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.06738750636577606},{"word":"you","start":90.350006,"end":90.590004,"confidence":0.8378906,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.0599551796913147},{"word":"yvonne","start":90.590004,"end":90.91,"confidence":0.9794922,"punctuated_word":"Yvonne,","sentiment":"neutral","sentiment_score":0.06888947635889053},{"word":"just","start":90.91,"end":91.15,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09088640660047533},{"word":"to","start":91.15,"end":91.23,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09543977677822112},{"word":"confirm","start":91.23,"end":91.630005,"confidence":1.0,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.06075315549969673},{"word":"your","start":91.630005,"end":91.87,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05122964829206467},{"word":"date","start":91.87,"end":92.03,"confidence":1.0,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.07612407952547073},{"word":"of","start":92.03,"end":92.19,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06146903336048126},{"word":"birth","start":92.19,"end":92.350006,"confidence":1.0,"punctuated_word":"birth","sentiment":"neutral","sentiment_score":0.061915598809719086},{"word":"and","start":92.350006,"end":92.670006,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06807827949523926},{"word":"address","start":92.670006,"end":93.07,"confidence":1.0,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.0610332265496254},{"word":"for","start":93.07,"end":93.310005,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06769328564405441},{"word":"me","start":93.310005,"end":93.810005,"confidence":0.83081055,"punctuated_word":"me?","sentiment":"neutral","sentiment_score":0.04889916628599167},{"word":"yep","start":96.75,"end":97.25,"confidence":0.7421875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.027634982019662857},{"word":"oh","start":99.615,"end":99.775,"confidence":0.7885742,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.19346392154693604},{"word":"beautiful","start":99.775,"end":100.275,"confidence":0.9995117,"punctuated_word":"beautiful.","sentiment":"neutral","sentiment_score":0.2675851583480835},{"word":"thank","start":100.335,"end":100.495,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.4310165047645569},{"word":"you","start":100.495,"end":100.815,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4676578938961029},{"word":"so","start":100.815,"end":100.975,"confidence":1.0,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.477707952260971},{"word":"much","start":100.975,"end":101.295,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.4764051139354706},{"word":"for","start":101.295,"end":101.535,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5075241327285767},{"word":"that","start":101.535,"end":102.035,"confidence":1.0,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.44126296043396},{"word":"so","start":102.895,"end":103.395,"confidence":0.75341797,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0587981641292572},{"word":"with","start":103.615,"end":103.855,"confidence":0.9819336,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.05633053183555603},{"word":"regards","start":103.855,"end":104.255,"confidence":0.98291016,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":-0.03662689030170441},{"word":"to","start":104.255,"end":104.415,"confidence":0.9658203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.041672516614198685},{"word":"the","start":104.415,"end":104.495,"confidence":0.90283203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04027234762907028},{"word":"advice","start":104.495,"end":104.895,"confidence":0.90478516,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.03539856895804405},{"word":"there","start":104.895,"end":105.135,"confidence":0.91748047,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.05463361740112305},{"word":"as","start":105.135,"end":105.375,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.052794210612773895},{"word":"you","start":105.375,"end":105.535,"confidence":0.96875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.022946882992982864},{"word":"open","start":105.535,"end":105.855,"confidence":0.97802734,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.004039928317070007},{"word":"it","start":105.855,"end":105.935,"confidence":0.6323242,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0017455145716667175},{"word":"up","start":105.935,"end":106.335,"confidence":0.99853516,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":-0.036423128098249435},{"word":"the","start":106.335,"end":106.495,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09316787123680116},{"word":"first","start":106.495,"end":106.895,"confidence":0.9941406,"punctuated_word":"first","sentiment":"neutral","sentiment_score":-0.07408923655748367},{"word":"page","start":106.895,"end":107.375,"confidence":0.99902344,"punctuated_word":"page","sentiment":"neutral","sentiment_score":-0.059192024171352386},{"word":"does","start":107.375,"end":107.615,"confidence":0.94921875,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.1210477575659752},{"word":"let","start":107.615,"end":107.854996,"confidence":0.99121094,"punctuated_word":"let","sentiment":"neutral","sentiment_score":-0.10754676908254623},{"word":"you","start":107.854996,"end":108.015,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0942281410098076},{"word":"know","start":108.015,"end":108.415,"confidence":0.70532227,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.10483412444591522},{"word":"has","start":108.415,"end":108.575,"confidence":0.98535156,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.14017048478126526},{"word":"been","start":108.575,"end":108.815,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.09821541607379912},{"word":"prepared","start":108.815,"end":109.215,"confidence":1.0,"punctuated_word":"prepared","sentiment":"neutral","sentiment_score":-0.09795761108398438},{"word":"for","start":109.215,"end":109.375,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1379816234111786},{"word":"both","start":109.375,"end":109.615,"confidence":1.0,"punctuated_word":"both","sentiment":"neutral","sentiment_score":-0.1360396444797516},{"word":"of","start":109.615,"end":109.775,"confidence":0.98828125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.14537157118320465},{"word":"yourselves","start":109.775,"end":110.275,"confidence":0.47094727,"punctuated_word":"yourselves","sentiment":"neutral","sentiment_score":-0.17925891280174255},{"word":"as","start":110.335,"end":110.835,"confidence":0.88720703,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.14887376129627228},{"word":"sorry","start":111.295,"end":111.695,"confidence":0.763916,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.12483416497707368},{"word":"by","start":111.695,"end":111.935,"confidence":0.99316406,"punctuated_word":"By","sentiment":"neutral","sentiment_score":-0.04495873674750328},{"word":"myself","start":111.935,"end":112.255,"confidence":0.9980469,"punctuated_word":"myself","sentiment":"neutral","sentiment_score":-0.02609219402074814},{"word":"and","start":112.255,"end":112.495,"confidence":0.9550781,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.056316979229450226},{"word":"my","start":112.495,"end":112.575,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.01340041309595108},{"word":"lovely","start":112.575,"end":113.055,"confidence":0.99902344,"punctuated_word":"lovely","sentiment":"neutral","sentiment_score":0.16832062602043152},{"word":"team","start":113.055,"end":113.295,"confidence":0.9980469,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.04318230599164963},{"word":"here","start":113.295,"end":113.695,"confidence":0.9667969,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.02952221967279911},{"word":"my","start":113.695,"end":113.775,"confidence":0.9980469,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.018651336431503296},{"word":"authorized","start":113.775,"end":114.275,"confidence":0.9902344,"punctuated_word":"authorized","sentiment":"neutral","sentiment_score":0.04955989494919777},{"word":"representative","start":114.78,"end":115.28,"confidence":0.9980469,"punctuated_word":"representative","sentiment":"neutral","sentiment_score":0.030092637985944748},{"word":"number","start":115.340004,"end":115.58,"confidence":0.9970703,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.028502151370048523},{"word":"is","start":115.58,"end":115.74,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02320660650730133},{"word":"1304394","start":115.74,"end":118.24,"confidence":0.99993026,"punctuated_word":"1304394.","sentiment":"neutral","sentiment_score":0.03654094785451889},{"word":"all","start":119.74,"end":120.06,"confidence":0.8276367,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.10645610094070436},{"word":"advice","start":120.06,"end":120.46,"confidence":0.734375,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.09788000583648682},{"word":"that","start":120.46,"end":120.62,"confidence":0.84277344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09905681759119034},{"word":"we're","start":120.62,"end":120.78,"confidence":0.9082031,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.08620607852935791},{"word":"going","start":120.78,"end":121.1,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.12708139419555664},{"word":"through","start":121.1,"end":121.340004,"confidence":0.98828125,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.10844161361455916},{"word":"is","start":121.340004,"end":121.58,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07932852953672409},{"word":"provided","start":121.58,"end":122.06,"confidence":1.0,"punctuated_word":"provided","sentiment":"neutral","sentiment_score":0.09944474697113036},{"word":"under","start":122.06,"end":122.3,"confidence":1.0,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.0959157943725586},{"word":"the","start":122.3,"end":122.46,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10312448441982268},{"word":"best","start":122.46,"end":122.78,"confidence":0.9941406,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.0629960373044014},{"word":"interest","start":122.78,"end":123.26,"confidence":0.97314453,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.07829146087169647},{"word":"duty","start":123.26,"end":123.74,"confidence":0.8095703,"punctuated_word":"duty","sentiment":"neutral","sentiment_score":0.06930127739906311},{"word":"there","start":123.74,"end":124.22,"confidence":0.77197266,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.11237958818674088},{"word":"essentially","start":124.22,"end":124.72,"confidence":0.779541,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.11240001767873764},{"word":"with","start":124.86,"end":125.020004,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.13486801087856293},{"word":"this","start":125.020004,"end":125.26,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.14718185365200043},{"word":"advice","start":125.26,"end":125.66,"confidence":0.92578125,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.11031456291675568},{"word":"document","start":125.66,"end":126.14,"confidence":0.9733887,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.08828336000442505},{"word":"we","start":126.14,"end":126.3,"confidence":0.99902344,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.0666627585887909},{"word":"did","start":126.3,"end":126.46,"confidence":0.9716797,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.07030774652957916},{"word":"the","start":126.46,"end":126.62,"confidence":0.66308594,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09028671681880952},{"word":"annual","start":126.62,"end":126.94,"confidence":0.9448242,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.04470469802618027},{"word":"review","start":126.94,"end":127.26,"confidence":0.9970703,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.04126081243157387},{"word":"last","start":127.26,"end":127.58,"confidence":0.9921875,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.040899038314819336},{"word":"year","start":127.58,"end":127.74,"confidence":0.96875,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.08210936933755875},{"word":"and","start":127.74,"end":127.9,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.012025661766529083},{"word":"i","start":127.9,"end":128.06,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11022211611270905},{"word":"apologize","start":128.06,"end":128.54001,"confidence":0.9980469,"punctuated_word":"apologize","sentiment":"neutral","sentiment_score":-0.15272463858127594},{"word":"for","start":128.54001,"end":128.7,"confidence":0.5498047,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.16167327761650083},{"word":"taking","start":128.7,"end":128.94,"confidence":0.9921875,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.10669344663619997},{"word":"a","start":128.94,"end":129.02,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09581870585680008},{"word":"little","start":129.02,"end":129.18,"confidence":0.9951172,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.13824068009853363},{"word":"bit","start":129.18,"end":129.34,"confidence":0.9970703,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.14140821993350983},{"word":"long","start":129.34,"end":129.5,"confidence":0.97998047,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.1893523633480072},{"word":"to","start":129.5,"end":129.66,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06501343101263046},{"word":"get","start":129.66,"end":129.82,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.0005391016602516174},{"word":"this","start":129.82,"end":130.06,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.08066508919000626},{"word":"one","start":130.06,"end":130.305,"confidence":0.99609375,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.04741591215133667},{"word":"out","start":130.94499,"end":131.05167,"confidence":0.96875,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.04695092886686325},{"word":"to","start":131.05167,"end":131.15833,"confidence":0.9394531,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06702719628810883},{"word":"you","start":131.15833,"end":131.265,"confidence":0.94140625,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.015249025076627731},{"word":"but","start":131.34499,"end":131.58499,"confidence":0.98291016,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.07890220731496811},{"word":"we","start":131.58499,"end":131.665,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08267314732074738},{"word":"were","start":131.665,"end":131.825,"confidence":0.98291016,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.06776635348796844},{"word":"just","start":131.825,"end":132.06499,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09500689804553986},{"word":"looking","start":132.06499,"end":132.305,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.08557090163230896},{"word":"at","start":132.305,"end":132.545,"confidence":0.99316406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.13781920075416565},{"word":"making","start":132.545,"end":132.86499,"confidence":0.9902344,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.15057101845741272},{"word":"sure","start":132.86499,"end":133.105,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.18930406868457791},{"word":"that","start":133.105,"end":133.265,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21109379827976227},{"word":"you","start":133.265,"end":133.42499,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.25133681297302246},{"word":"were","start":133.42499,"end":133.58499,"confidence":0.69433594,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.20239578187465668},{"word":"on","start":133.58499,"end":133.825,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2476438283920288},{"word":"track","start":133.825,"end":134.14499,"confidence":0.86987305,"punctuated_word":"track,","sentiment":"neutral","sentiment_score":0.1550387144088745},{"word":"looking","start":134.14499,"end":134.385,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.13639283180236816},{"word":"at","start":134.385,"end":134.545,"confidence":0.9880371,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":0.11368647962808608},{"word":"you","start":134.545,"end":134.625,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1036158800125122},{"word":"know","start":134.625,"end":134.86499,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.10857778787612916},{"word":"where","start":134.86499,"end":135.105,"confidence":0.98535156,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.09236834943294524},{"word":"you","start":135.105,"end":135.265,"confidence":0.86279297,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09642501175403596},{"word":"were","start":135.265,"end":135.34499,"confidence":0.53222656,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.054466161876916885},{"word":"going","start":135.34499,"end":135.665,"confidence":0.984375,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.10313670337200163},{"word":"retirement","start":135.665,"end":136.165,"confidence":0.88964844,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.029004454612731937},{"word":"wise","start":136.22499,"end":136.625,"confidence":0.90283203,"punctuated_word":"wise.","sentiment":"neutral","sentiment_score":0.07824456691741943},{"word":"you","start":136.625,"end":136.78499,"confidence":0.9741211,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.07115636765956879},{"word":"both","start":136.78499,"end":137.105,"confidence":0.9658203,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.06276153028011322},{"word":"made","start":137.105,"end":137.42499,"confidence":0.9135742,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.07251093536615372},{"word":"mention","start":137.42499,"end":137.825,"confidence":0.9482422,"punctuated_word":"mention","sentiment":"neutral","sentiment_score":0.08348050713539124},{"word":"that","start":137.825,"end":137.98499,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0789218321442604},{"word":"you","start":137.98499,"end":138.14499,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06089014187455177},{"word":"were","start":138.14499,"end":138.64499,"confidence":0.9116211,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.052796680480241776},{"word":"both","start":138.86499,"end":139.185,"confidence":0.8828125,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.08273360878229141},{"word":"looking","start":139.185,"end":139.50499,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.06228889524936676},{"word":"to","start":139.50499,"end":139.98499,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0790848582983017},{"word":"retire","start":139.98499,"end":140.48499,"confidence":0.7548828,"punctuated_word":"retire,","sentiment":"neutral","sentiment_score":0.05504700541496277},{"word":"hopefully","start":140.70499,"end":141.185,"confidence":0.9941406,"punctuated_word":"hopefully,","sentiment":"neutral","sentiment_score":0.0753197968006134},{"word":"in","start":141.185,"end":141.34499,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07552890479564667},{"word":"the","start":141.34499,"end":141.50499,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10180063545703888},{"word":"next","start":141.50499,"end":141.825,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.07216553390026093},{"word":"ten","start":141.825,"end":142.14499,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.07794413715600967},{"word":"years","start":142.14499,"end":142.64499,"confidence":0.9597168,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.06076706945896149},{"word":"and","start":142.94499,"end":143.105,"confidence":0.98657227,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.06368546187877655},{"word":"katie","start":143.105,"end":143.42499,"confidence":0.8076172,"punctuated_word":"Katie,","sentiment":"neutral","sentiment_score":0.07668989896774292},{"word":"you're","start":143.42499,"end":143.665,"confidence":0.99658203,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.10795282572507858},{"word":"back","start":143.665,"end":143.905,"confidence":0.9980469,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.130249485373497},{"word":"at","start":143.905,"end":144.06499,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05673613399267197},{"word":"work","start":144.06499,"end":144.305,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.07347377389669418},{"word":"now","start":144.305,"end":144.545,"confidence":0.9511719,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.07308375835418701},{"word":"you've","start":144.545,"end":144.78499,"confidence":0.9975586,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.0934896469116211},{"word":"got","start":144.78499,"end":144.94499,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0670602023601532},{"word":"a","start":144.94499,"end":145.105,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0792219415307045},{"word":"new","start":145.105,"end":145.34499,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.04733315110206604},{"word":"job","start":145.34499,"end":145.84499,"confidence":0.8371582,"punctuated_word":"job.","sentiment":"neutral","sentiment_score":0.03522505611181259},{"word":"fantastic","start":147.87999,"end":148.37999,"confidence":0.98706055,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.6798627376556396},{"word":"michelle","start":148.84,"end":149.31999,"confidence":0.95703125,"punctuated_word":"Michelle","sentiment":"positive","sentiment_score":0.3803935647010803},{"word":"made","start":149.31999,"end":149.56,"confidence":0.7626953,"punctuated_word":"made","sentiment":"positive","sentiment_score":0.34365448355674744},{"word":"mention","start":149.56,"end":149.87999,"confidence":0.9194336,"punctuated_word":"mention","sentiment":"neutral","sentiment_score":0.3079458773136139},{"word":"that","start":149.87999,"end":150.12,"confidence":0.9892578,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.31333282589912415},{"word":"you","start":150.12,"end":150.2,"confidence":0.98535156,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24161793291568756},{"word":"off","start":150.51999,"end":150.76,"confidence":0.66259766,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.21656982600688937},{"word":"the","start":150.76,"end":150.92,"confidence":0.65527344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11455228924751282},{"word":"twenty","start":150.92,"end":151.23999,"confidence":0.99902344,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.11604372411966324},{"word":"one","start":151.23999,"end":151.48,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.08737239986658096},{"word":"days","start":151.48,"end":151.79999,"confidence":0.9667969,"punctuated_word":"days,","sentiment":"neutral","sentiment_score":0.11753857135772704},{"word":"you'll","start":151.79999,"end":152.04,"confidence":0.93359375,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.1736527681350708},{"word":"be","start":152.04,"end":152.28,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.17472811043262482},{"word":"working","start":152.28,"end":152.59999,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.1371532678604126},{"word":"for","start":152.59999,"end":152.84,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.26758110523223877},{"word":"this","start":152.84,"end":153.23999,"confidence":0.9873047,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.3039392828941345},{"word":"stint","start":153.23999,"end":153.73999,"confidence":0.9370117,"punctuated_word":"stint.","sentiment":"neutral","sentiment_score":0.22750747203826904},{"word":"wow","start":155.48,"end":155.98,"confidence":0.9655762,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":0.11465640366077424},{"word":"yeah","start":157.4,"end":157.71999,"confidence":0.9890137,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.034369125962257385},{"word":"wow","start":157.71999,"end":158.12,"confidence":0.9848633,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":0.026118259876966476},{"word":"that's","start":158.12,"end":158.43999,"confidence":0.9975586,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.0117171760648489},{"word":"a","start":158.43999,"end":158.93999,"confidence":0.93188477,"punctuated_word":"a,","sentiment":"neutral","sentiment_score":0.006686617620289326},{"word":"yeah","start":159.605,"end":159.925,"confidence":0.9921875,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.0065028052777051926},{"word":"that's","start":159.925,"end":160.08499,"confidence":0.8547363,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.01044230069965124},{"word":"a","start":160.08499,"end":160.245,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0006312727928161621},{"word":"long","start":160.245,"end":160.565,"confidence":0.99902344,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.0070929862558841705},{"word":"stint","start":160.565,"end":160.885,"confidence":0.9350586,"punctuated_word":"stint,","sentiment":"neutral","sentiment_score":-0.005619696341454983},{"word":"isn't","start":160.885,"end":161.205,"confidence":0.99609375,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":0.0006066816858947277},{"word":"it","start":161.205,"end":161.705,"confidence":0.9975586,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.0009088441729545592},{"word":"no","start":165.525,"end":166.025,"confidence":0.9951172,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06390263885259628},{"word":"absolutely","start":166.165,"end":166.665,"confidence":0.9885254,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":-0.021057728677988052},{"word":"that's","start":173.9,"end":174.22,"confidence":0.79833984,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.0170347411185503},{"word":"okay","start":174.22,"end":174.54,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.033897850662469864},{"word":"the","start":174.54,"end":174.78,"confidence":0.9980469,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.010891847312450407},{"word":"email","start":174.78,"end":175.09999,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.017273833975195885},{"word":"i","start":175.09999,"end":175.26,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.011411190032958984},{"word":"had","start":175.26,"end":175.57999,"confidence":0.9941406,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.008414274081587791},{"word":"for","start":175.57999,"end":175.81999,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.013559693470597267},{"word":"both","start":175.81999,"end":176.14,"confidence":0.99902344,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.01534591056406498},{"word":"of","start":176.14,"end":176.22,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01034577563405037},{"word":"you","start":176.22,"end":176.54,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01282557100057602},{"word":"was","start":176.54,"end":176.78,"confidence":0.9941406,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.009635493159294128},{"word":"the","start":176.78,"end":176.93999,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.016986602917313576},{"word":"same","start":176.93999,"end":177.26,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.02797830104827881},{"word":"email","start":177.26,"end":177.57999,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.008097510784864426},{"word":"address","start":177.57999,"end":177.98,"confidence":0.99902344,"punctuated_word":"address.","sentiment":"neutral","sentiment_score":0.002522638998925686},{"word":"i've","start":177.98,"end":178.14,"confidence":0.99609375,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.013674094341695309},{"word":"got","start":178.14,"end":178.37999,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0162397138774395},{"word":"peter.wooderson1@bigpond.com","start":178.37999,"end":180.7,"confidence":0.9536133,"punctuated_word":"peter.wooderson1@bigpond.com","sentiment":"neutral","sentiment_score":0.012310421094298364},{"word":"down","start":180.7,"end":181.01999,"confidence":0.9941406,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.00420724879950285},{"word":"for","start":181.01999,"end":181.26,"confidence":0.98535156,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.001362798735499382},{"word":"both","start":181.26,"end":181.5,"confidence":1.0,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.015996849164366722},{"word":"of","start":181.5,"end":181.57999,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.043045610189437866},{"word":"you","start":181.57999,"end":181.9,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04113642871379852},{"word":"on","start":181.9,"end":182.14,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.005986865609884262},{"word":"file","start":182.14,"end":182.54,"confidence":0.77905273,"punctuated_word":"file.","sentiment":"neutral","sentiment_score":-0.0003621261566877365},{"word":"so","start":182.54,"end":182.7,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.013253578916192056},{"word":"it's","start":182.7,"end":182.93999,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.011595270596444609},{"word":"gone","start":182.93999,"end":183.18,"confidence":0.90527344,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.009494245052337646},{"word":"through","start":183.18,"end":183.42,"confidence":0.9980469,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.008360374718904495},{"word":"to","start":183.42,"end":183.57999,"confidence":0.97314453,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.005535552278161049},{"word":"the","start":183.57999,"end":183.73999,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.007424843497574329},{"word":"same","start":183.73999,"end":184.22,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.021775223314762115},{"word":"email","start":184.22,"end":184.72,"confidence":0.99658203,"punctuated_word":"email.","sentiment":"neutral","sentiment_score":0.00809517316520214},{"word":"yep","start":186.445,"end":186.945,"confidence":0.69470215,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09781350195407867},{"word":"yeah","start":188.445,"end":188.945,"confidence":0.93896484,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09408236294984818},{"word":"that's","start":189.325,"end":189.725,"confidence":0.9904785,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.10574543476104736},{"word":"okay","start":189.725,"end":190.225,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.08588141202926636},{"word":"when","start":191.005,"end":191.24501,"confidence":0.7939453,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.06383372098207474},{"word":"you","start":191.24501,"end":191.565,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.051944296807050705},{"word":"go","start":191.565,"end":191.725,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.05582886189222336},{"word":"into","start":191.725,"end":191.965,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.059241846203804016},{"word":"the","start":191.965,"end":192.125,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05015351250767708},{"word":"email","start":192.125,"end":192.52501,"confidence":0.99902344,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.052480850368738174},{"word":"inbox","start":192.52501,"end":192.925,"confidence":0.7468262,"punctuated_word":"inbox,","sentiment":"neutral","sentiment_score":0.042945317924022675},{"word":"there'll","start":192.925,"end":193.16501,"confidence":0.9748535,"punctuated_word":"there'll","sentiment":"neutral","sentiment_score":0.03415611386299133},{"word":"be","start":193.16501,"end":193.325,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03367605805397034},{"word":"two","start":193.325,"end":193.565,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.023250585421919823},{"word":"individual","start":193.565,"end":194.065,"confidence":1.0,"punctuated_word":"individual","sentiment":"neutral","sentiment_score":0.05654127150774002},{"word":"invitations","start":194.285,"end":194.785,"confidence":0.953125,"punctuated_word":"invitations.","sentiment":"neutral","sentiment_score":0.08287002891302109},{"word":"it's","start":202.18001,"end":202.5,"confidence":0.99658203,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.6065288782119751},{"word":"all","start":202.5,"end":202.90001,"confidence":0.9970703,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.7152636647224426},{"word":"good","start":202.90001,"end":203.22,"confidence":0.93530273,"punctuated_word":"good,","sentiment":"positive","sentiment_score":0.6390790343284607},{"word":"honestly","start":203.22,"end":203.72,"confidence":0.9995117,"punctuated_word":"honestly.","sentiment":"positive","sentiment_score":0.6206296682357788},{"word":"it's","start":203.78,"end":203.94,"confidence":0.99609375,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.7078776359558105},{"word":"so","start":203.94,"end":204.1,"confidence":0.9951172,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.7394826412200928},{"word":"good","start":204.1,"end":204.34001,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.7496068477630615},{"word":"to","start":204.34001,"end":204.42,"confidence":0.9970703,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.7344632744789124},{"word":"talk","start":204.42,"end":204.66,"confidence":0.9951172,"punctuated_word":"talk","sentiment":"positive","sentiment_score":0.8272271156311035},{"word":"to","start":204.66,"end":204.74,"confidence":0.9819336,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.7969270348548889},{"word":"you","start":204.74,"end":204.98001,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7172166705131531},{"word":"both","start":204.98001,"end":205.22,"confidence":0.85595703,"punctuated_word":"both","sentiment":"positive","sentiment_score":0.7276498079299927},{"word":"again","start":205.22,"end":205.54001,"confidence":0.9970703,"punctuated_word":"again.","sentiment":"positive","sentiment_score":0.7366193532943726},{"word":"i've","start":205.54001,"end":205.78,"confidence":0.99560547,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.14442947506904602},{"word":"missed","start":205.78,"end":206.02,"confidence":0.9838867,"punctuated_word":"missed","sentiment":"neutral","sentiment_score":0.11845694482326508},{"word":"having","start":206.02,"end":206.34,"confidence":0.9980469,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.20602531731128693},{"word":"a","start":206.34,"end":206.5,"confidence":0.54833984,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17193302512168884},{"word":"little","start":206.5,"end":206.82,"confidence":0.9970703,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.1411871314048767},{"word":"chat","start":206.82,"end":207.32,"confidence":0.99658203,"punctuated_word":"chat.","sentiment":"neutral","sentiment_score":0.21962538361549375},{"word":"so","start":210.34,"end":210.58,"confidence":0.8027344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15104320645332336},{"word":"what","start":210.58,"end":210.74,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1600554883480072},{"word":"i","start":210.74,"end":210.90001,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15437185764312744},{"word":"did","start":210.90001,"end":211.06,"confidence":0.9941406,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.17426106333732605},{"word":"was","start":211.06,"end":211.3,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.09519220143556596},{"word":"i","start":211.3,"end":211.38,"confidence":0.9770508,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13793447613716123},{"word":"went","start":211.38,"end":211.62001,"confidence":1.0,"punctuated_word":"went","sentiment":"neutral","sentiment_score":0.12971831858158112},{"word":"back","start":211.62001,"end":211.86,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.09719821810722352},{"word":"after","start":211.86,"end":212.1,"confidence":0.97509766,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.09363062679767609},{"word":"the","start":212.1,"end":212.26001,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1196787729859352},{"word":"review","start":212.26001,"end":212.66,"confidence":0.99902344,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.09842725843191148},{"word":"last","start":212.66,"end":212.90001,"confidence":0.96972656,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.05163513123989105},{"word":"year","start":212.90001,"end":213.06,"confidence":0.9301758,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.09449958801269533},{"word":"we","start":213.06,"end":213.22,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.22408175468444824},{"word":"had","start":213.22,"end":213.38,"confidence":0.9921875,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.22524696588516235},{"word":"a","start":213.38,"end":213.46,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1997555196285248},{"word":"bit","start":213.46,"end":213.62001,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.20344242453575137},{"word":"of","start":213.62001,"end":213.7,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22511830925941467},{"word":"a","start":213.7,"end":213.78,"confidence":0.9921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20425638556480408},{"word":"look","start":213.78,"end":214.02,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1862355470657349},{"word":"at","start":214.02,"end":214.18001,"confidence":0.9921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2382737398147583},{"word":"everything","start":214.18001,"end":214.58,"confidence":0.99609375,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.3353216350078583},{"word":"with","start":214.58,"end":214.74,"confidence":0.9770508,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.30068033933639526},{"word":"you","start":214.74,"end":214.98001,"confidence":0.69384766,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.34934523701667786},{"word":"super","start":214.98001,"end":215.48001,"confidence":0.7290039,"punctuated_word":"Super.","sentiment":"neutral","sentiment_score":0.07290250062942505},{"word":"i","start":215.7,"end":215.86,"confidence":0.9589844,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14368703961372375},{"word":"am","start":215.86,"end":216.02,"confidence":0.6645508,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.13545390963554382},{"word":"making","start":216.02,"end":216.42,"confidence":0.94384766,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.1611231416463852},{"word":"a","start":216.42,"end":216.58,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1769462823867798},{"word":"recommendation","start":216.58,"end":217.08,"confidence":0.9970703,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":0.19815334677696228},{"word":"to","start":217.215,"end":217.455,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15140856802463531},{"word":"make","start":217.455,"end":217.61499,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.13804039359092712},{"word":"a","start":217.61499,"end":217.69499,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2107854336500168},{"word":"couple","start":217.69499,"end":218.015,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.1848571002483368},{"word":"of","start":218.015,"end":218.175,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2390441745519638},{"word":"changes","start":218.175,"end":218.675,"confidence":0.9741211,"punctuated_word":"changes.","sentiment":"neutral","sentiment_score":0.16225959360599518},{"word":"this","start":219.135,"end":219.375,"confidence":0.77734375,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.1257276087999344},{"word":"year","start":219.375,"end":219.775,"confidence":0.85253906,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.11777868866920473},{"word":"especially","start":219.775,"end":220.175,"confidence":0.98999023,"punctuated_word":"especially,","sentiment":"neutral","sentiment_score":0.09773539006710052},{"word":"we","start":220.175,"end":220.33499,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11307485401630402},{"word":"have","start":220.33499,"end":220.575,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08381704986095428},{"word":"seen","start":220.575,"end":220.815,"confidence":0.99316406,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.06043494492769241},{"word":"some","start":220.815,"end":221.055,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.03605865314602852},{"word":"changes","start":221.055,"end":221.455,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.025497689843177795},{"word":"in","start":221.455,"end":221.61499,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03861020132899285},{"word":"the","start":221.61499,"end":221.855,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0418606698513031},{"word":"market","start":221.855,"end":222.25499,"confidence":0.9980469,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.010726332664489746},{"word":"conditions","start":222.25499,"end":222.75499,"confidence":0.6557617,"punctuated_word":"conditions.","sentiment":"neutral","sentiment_score":0.040728162974119186},{"word":"so","start":222.97499,"end":223.455,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07960060238838196},{"word":"it","start":223.455,"end":223.69499,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10760796070098876},{"word":"did","start":223.69499,"end":223.935,"confidence":0.9941406,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.09998687356710434},{"word":"mean","start":223.935,"end":224.095,"confidence":1.0,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.066041499376297},{"word":"that","start":224.095,"end":224.25499,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07974061369895935},{"word":"we","start":224.25499,"end":224.495,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09925970435142516},{"word":"wanted","start":224.495,"end":224.735,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.10755886137485504},{"word":"to","start":224.735,"end":224.97499,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10475106537342072},{"word":"update","start":224.97499,"end":225.375,"confidence":1.0,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.0986056551337242},{"word":"some","start":225.375,"end":225.535,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.07188902795314789},{"word":"of","start":225.535,"end":225.69499,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07715842127799988},{"word":"your","start":225.69499,"end":225.935,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10097473859786989},{"word":"investment","start":225.935,"end":226.435,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.035532884299755096},{"word":"options","start":226.495,"end":226.995,"confidence":0.9941406,"punctuated_word":"options.","sentiment":"neutral","sentiment_score":0.07719455659389496},{"word":"i've","start":227.855,"end":228.095,"confidence":0.9848633,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.3452281951904297},{"word":"done","start":228.095,"end":228.415,"confidence":0.99902344,"punctuated_word":"done","sentiment":"positive","sentiment_score":0.3734973669052124},{"word":"that","start":228.415,"end":228.655,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.46684372425079346},{"word":"for","start":228.655,"end":228.89499,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.381843775510788},{"word":"you","start":228.89499,"end":229.215,"confidence":0.95874023,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.34732484817504883},{"word":"and","start":229.215,"end":229.375,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3542368412017822},{"word":"this","start":229.375,"end":229.61499,"confidence":1.0,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.427912324666977},{"word":"is","start":229.61499,"end":229.775,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.343130499124527},{"word":"essentially","start":229.775,"end":230.275,"confidence":0.9770508,"punctuated_word":"essentially","sentiment":"positive","sentiment_score":0.3480536937713623},{"word":"outlining","start":230.33499,"end":230.83499,"confidence":0.9980469,"punctuated_word":"outlining","sentiment":"positive","sentiment_score":0.3541204333305359},{"word":"that","start":231.055,"end":231.48,"confidence":0.80981445,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.3113037645816803},{"word":"and","start":231.48,"end":231.72,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3136029541492462},{"word":"then","start":231.72,"end":231.87999,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2647300660610199},{"word":"we","start":231.87999,"end":231.95999,"confidence":0.9760742,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.28408366441726685},{"word":"are","start":231.95999,"end":232.28,"confidence":0.9013672,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2777281403541565},{"word":"working","start":232.28,"end":232.68,"confidence":0.9980469,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.35139593482017517},{"word":"towards","start":232.68,"end":233.18,"confidence":0.98828125,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.33178287744522095},{"word":"being","start":233.31999,"end":233.56,"confidence":0.9951172,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.29285380244255066},{"word":"able","start":233.56,"end":233.8,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.27698224782943726},{"word":"to","start":233.8,"end":234.04,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.315594345331192},{"word":"retire","start":234.04,"end":234.54,"confidence":0.99853516,"punctuated_word":"retire.","sentiment":"neutral","sentiment_score":0.2581437826156616},{"word":"you","start":234.76,"end":235.0,"confidence":0.9980469,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.17418301105499268},{"word":"guys","start":235.0,"end":235.23999,"confidence":0.9980469,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.21950751543045044},{"word":"mentioned","start":235.23999,"end":235.56,"confidence":0.9892578,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.1752200871706009},{"word":"in","start":235.56,"end":235.72,"confidence":0.64160156,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1634782999753952},{"word":"the","start":235.72,"end":235.87999,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17256183922290802},{"word":"next","start":235.87999,"end":236.12,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.10630403459072112},{"word":"ten","start":236.12,"end":236.36,"confidence":0.99902344,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.1351945698261261},{"word":"years","start":236.36,"end":236.86,"confidence":0.8989258,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.10669565200805664},{"word":"if","start":237.0,"end":237.23999,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1038401797413826},{"word":"anything","start":237.23999,"end":237.64,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.0938936099410057},{"word":"changes","start":237.64,"end":237.95999,"confidence":0.9890137,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":0.08411985635757446},{"word":"we","start":237.95999,"end":238.2,"confidence":0.9902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13363561034202576},{"word":"can","start":238.2,"end":238.36,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.114293672144413},{"word":"always","start":238.36,"end":238.68,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.13187836110591888},{"word":"look","start":238.68,"end":238.92,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.12258172035217284},{"word":"at","start":238.92,"end":239.0,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11184453964233398},{"word":"this","start":239.0,"end":239.31999,"confidence":0.7858887,"punctuated_word":"this.","sentiment":"neutral","sentiment_score":0.13738051056861875},{"word":"but","start":239.31999,"end":239.48,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.1281937211751938},{"word":"i","start":239.48,"end":239.64,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16049490869045258},{"word":"wanted","start":239.64,"end":239.95999,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.1785147786140442},{"word":"to","start":239.95999,"end":240.12,"confidence":0.9260254,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.1967897862195969},{"word":"as","start":240.12,"end":240.36,"confidence":0.9941406,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2289863228797913},{"word":"part","start":240.36,"end":240.59999,"confidence":0.9980469,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.24622589349746704},{"word":"of","start":240.59999,"end":240.68,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.239053875207901},{"word":"this","start":240.68,"end":240.92,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.20562423765659332},{"word":"document","start":240.92,"end":241.42,"confidence":0.9975586,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.19063428044319153},{"word":"kind","start":241.79999,"end":242.04,"confidence":0.5805664,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.13524849712848663},{"word":"of","start":242.04,"end":242.2,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17872989177703855},{"word":"show","start":242.2,"end":242.36,"confidence":0.9970703,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.18688569962978363},{"word":"you","start":242.36,"end":242.51999,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18896716833114624},{"word":"where","start":242.51999,"end":242.76,"confidence":0.99902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.14528310298919678},{"word":"we're","start":242.76,"end":243.0,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.1492701768875122},{"word":"tracking","start":243.0,"end":243.48,"confidence":1.0,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.13297447562217712},{"word":"for","start":243.48,"end":243.72,"confidence":0.8479004,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.12324601411819458},{"word":"not","start":243.72,"end":243.95999,"confidence":0.9863281,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.11688453704118729},{"word":"just","start":243.95999,"end":244.2,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08557696640491486},{"word":"for","start":244.2,"end":244.36,"confidence":0.7026367,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12383852899074554},{"word":"the","start":244.36,"end":244.44,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10968273133039474},{"word":"projection","start":244.44,"end":244.94,"confidence":0.99609375,"punctuated_word":"projection","sentiment":"neutral","sentiment_score":0.08809015899896622},{"word":"table","start":245.08,"end":245.4,"confidence":0.9753418,"punctuated_word":"table,","sentiment":"neutral","sentiment_score":0.1229267418384552},{"word":"but","start":245.4,"end":245.56,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.15306101739406586},{"word":"just","start":245.56,"end":245.79999,"confidence":0.93847656,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15466654300689697},{"word":"sort","start":245.79999,"end":246.04,"confidence":0.9838867,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.14424404501914978},{"word":"of","start":246.04,"end":246.12,"confidence":0.9790039,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1695876270532608},{"word":"showing","start":246.12,"end":246.44,"confidence":1.0,"punctuated_word":"showing","sentiment":"neutral","sentiment_score":0.1847107410430908},{"word":"you","start":246.44,"end":246.885,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20511853694915771},{"word":"where","start":247.125,"end":247.36499,"confidence":0.99902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.1390307992696762},{"word":"you","start":247.36499,"end":247.525,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15225258469581604},{"word":"might","start":247.525,"end":247.765,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.110202819108963},{"word":"be","start":247.765,"end":247.92499,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1339714527130127},{"word":"tracking","start":247.92499,"end":248.325,"confidence":1.0,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.13699813187122345},{"word":"for","start":248.325,"end":248.485,"confidence":0.9892578,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15207165479660034},{"word":"in","start":248.485,"end":248.72499,"confidence":0.8984375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10780245810747148},{"word":"retirement","start":248.72499,"end":249.22499,"confidence":0.7692871,"punctuated_word":"retirement,","sentiment":"neutral","sentiment_score":0.15091438591480255},{"word":"how","start":249.28499,"end":249.525,"confidence":0.8276367,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.1509379744529724},{"word":"long","start":249.525,"end":249.845,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.1078692376613617},{"word":"susan","start":249.845,"end":250.165,"confidence":0.5415039,"punctuated_word":"Susan","sentiment":"neutral","sentiment_score":0.10871495306491852},{"word":"might","start":250.165,"end":250.405,"confidence":0.9980469,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.10023699700832368},{"word":"be","start":250.405,"end":250.56499,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.10063742101192474},{"word":"expected","start":250.56499,"end":250.965,"confidence":0.9194336,"punctuated_word":"expected","sentiment":"neutral","sentiment_score":0.10770508646965028},{"word":"to","start":250.965,"end":251.125,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08443950116634369},{"word":"last","start":251.125,"end":251.44499,"confidence":0.9970703,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.08233138918876648},{"word":"with","start":251.44499,"end":251.685,"confidence":0.97802734,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07258301228284836},{"word":"the","start":251.685,"end":251.765,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07128645479679108},{"word":"draw","start":251.765,"end":252.00499,"confidence":0.9970703,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.05440171808004379},{"word":"downs","start":252.00499,"end":252.245,"confidence":0.49853516,"punctuated_word":"downs","sentiment":"neutral","sentiment_score":0.05752691626548767},{"word":"and","start":252.245,"end":252.485,"confidence":0.7636719,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09580986201763152},{"word":"things","start":252.485,"end":252.72499,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.05316068232059479},{"word":"like","start":252.72499,"end":252.965,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.0554562546312809},{"word":"that","start":252.965,"end":253.20499,"confidence":0.9880371,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.12968476116657257},{"word":"so","start":253.20499,"end":253.44499,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1594320684671402},{"word":"i","start":253.44499,"end":253.605,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1948467344045639},{"word":"put","start":253.605,"end":253.765,"confidence":0.61572266,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.19771598279476169},{"word":"a","start":253.765,"end":253.845,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1846425086259842},{"word":"little","start":253.845,"end":254.08499,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.15837480127811432},{"word":"bit","start":254.08499,"end":254.245,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.13821451365947723},{"word":"more","start":254.245,"end":254.405,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.1267373263835907},{"word":"into","start":254.405,"end":254.72499,"confidence":0.9921875,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.1478869616985321},{"word":"this","start":254.72499,"end":254.965,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.18250180780887604},{"word":"for","start":254.965,"end":255.20499,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16491293907165527},{"word":"you","start":255.20499,"end":255.525,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.14070972800254822},{"word":"okay","start":255.525,"end":256.025,"confidence":0.93310547,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.056764934211969376},{"word":"you're","start":260.16,"end":260.48,"confidence":0.9785156,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.04596184939146042},{"word":"right","start":260.48,"end":260.98,"confidence":0.9748535,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.05378144234418869},{"word":"it's","start":271.645,"end":271.88498,"confidence":0.74072266,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.08237288892269135},{"word":"okay","start":271.88498,"end":272.205,"confidence":0.99658203,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.08127555251121521},{"word":"one","start":272.205,"end":272.44498,"confidence":0.9951172,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.05150580778717995},{"word":"of","start":272.44498,"end":272.60498,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04635198414325714},{"word":"them","start":272.60498,"end":272.84497,"confidence":0.99902344,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.03536170721054077},{"word":"should","start":272.84497,"end":273.00497,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.05793925002217293},{"word":"be","start":273.00497,"end":273.32498,"confidence":0.9951172,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.05313718318939209},{"word":"for","start":273.32498,"end":273.82498,"confidence":0.9086914,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03560815006494522},{"word":"one","start":274.125,"end":274.365,"confidence":0.98828125,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.031203394755721092},{"word":"should","start":274.365,"end":274.525,"confidence":0.9970703,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.030869843438267708},{"word":"say","start":274.525,"end":274.76498,"confidence":0.9902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.034901197999715805},{"word":"peter","start":274.76498,"end":275.085,"confidence":0.6225586,"punctuated_word":"Peter,","sentiment":"neutral","sentiment_score":0.0324830524623394},{"word":"one","start":275.085,"end":275.32498,"confidence":0.98535156,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.03254607692360878},{"word":"should","start":275.32498,"end":275.485,"confidence":0.99609375,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.03754405677318573},{"word":"say","start":275.485,"end":275.72498,"confidence":0.9902344,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.037603165954351425},{"word":"yvonne","start":275.72498,"end":276.22498,"confidence":0.9645996,"punctuated_word":"Yvonne.","sentiment":"neutral","sentiment_score":0.037877701222896576},{"word":"on","start":279.88498,"end":280.04498,"confidence":0.9091797,"punctuated_word":"On","sentiment":"neutral","sentiment_score":0.029391776770353317},{"word":"the","start":280.04498,"end":280.205,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.027075674384832386},{"word":"same","start":280.205,"end":280.525,"confidence":0.99121094,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.0340157076716423},{"word":"email","start":280.525,"end":280.925,"confidence":0.8972168,"punctuated_word":"email.","sentiment":"neutral","sentiment_score":0.018888279795646667},{"word":"yeah","start":280.925,"end":281.16498,"confidence":0.98999023,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.027341719716787335},{"word":"because","start":281.16498,"end":281.56497,"confidence":0.9941406,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.016658082604408264},{"word":"on","start":281.56497,"end":281.72498,"confidence":0.9633789,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.018964286893606182},{"word":"file","start":281.72498,"end":282.22498,"confidence":0.9243164,"punctuated_word":"file,","sentiment":"neutral","sentiment_score":0.02183409035205841},{"word":"the","start":282.60498,"end":282.76498,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01930966228246689},{"word":"last","start":282.76498,"end":283.085,"confidence":0.9902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.0014225728809833529},{"word":"time","start":283.085,"end":283.405,"confidence":0.9902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.0021621305495500565},{"word":"we","start":283.405,"end":283.56497,"confidence":0.9301758,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.01647469587624073},{"word":"updated","start":283.56497,"end":284.04498,"confidence":0.96777344,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.01183057390153408},{"word":"the","start":284.04498,"end":284.43,"confidence":0.49316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02167917788028717},{"word":"details","start":284.50998,"end":284.83,"confidence":0.9033203,"punctuated_word":"details,","sentiment":"neutral","sentiment_score":0.02105445042252541},{"word":"you","start":284.83,"end":284.91,"confidence":0.8339844,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.008548863232135773},{"word":"just","start":284.91,"end":285.07,"confidence":0.56347656,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.016025809571146965},{"word":"wanted","start":285.07,"end":285.22998,"confidence":0.6542969,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.002830374985933304},{"word":"needed","start":285.38998,"end":285.63,"confidence":0.90478516,"punctuated_word":"needed","sentiment":"neutral","sentiment_score":0.005766838788986206},{"word":"to","start":285.63,"end":285.78998,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01977261528372765},{"word":"use","start":285.78998,"end":286.03,"confidence":0.99902344,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.017216462641954422},{"word":"the","start":286.03,"end":286.11,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.029361573979258537},{"word":"same","start":286.11,"end":286.43,"confidence":0.99902344,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.041561320424079895},{"word":"email","start":286.43,"end":286.75,"confidence":0.99902344,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.0149262472987175},{"word":"address","start":286.75,"end":287.22998,"confidence":0.7783203,"punctuated_word":"address.","sentiment":"neutral","sentiment_score":0.00796907301992178},{"word":"so","start":287.22998,"end":287.38998,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.027620254084467888},{"word":"we","start":287.38998,"end":287.55,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.030867766588926315},{"word":"have","start":287.55,"end":287.71,"confidence":0.99609375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03114652633666992},{"word":"the","start":287.71,"end":287.87,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03415711969137192},{"word":"same","start":287.87,"end":288.11,"confidence":0.99902344,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.04615173861384392},{"word":"email","start":288.11,"end":288.43,"confidence":0.9980469,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.01983845978975296},{"word":"address","start":288.43,"end":288.75,"confidence":0.99902344,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.01152423582971096},{"word":"on","start":288.75,"end":288.99,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.018631357699632645},{"word":"file","start":288.99,"end":289.38998,"confidence":0.8166504,"punctuated_word":"file,","sentiment":"neutral","sentiment_score":0.019960692152380943},{"word":"so","start":289.38998,"end":289.55,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.017741870135068893},{"word":"that's","start":289.55,"end":289.94998,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.015104979276657104},{"word":"okay","start":289.94998,"end":290.44998,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.0935509353876114},{"word":"oh","start":293.55,"end":293.63,"confidence":0.7792969,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.12063038349151611},{"word":"that's","start":293.63,"end":293.87,"confidence":0.89624023,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.1653045415878296},{"word":"okay","start":293.87,"end":294.37,"confidence":0.97143555,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.1779334545135498},{"word":"oh","start":296.50998,"end":296.59,"confidence":0.9169922,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.31637197732925415},{"word":"that's","start":296.59,"end":297.09,"confidence":0.9309082,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.30647051334381104},{"word":"email","start":299.64502,"end":300.125,"confidence":0.5913086,"punctuated_word":"email","sentiment":"neutral","sentiment_score":-0.2819540202617645},{"word":"if","start":300.52502,"end":300.685,"confidence":0.9902344,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.3416041433811188},{"word":"we","start":300.685,"end":300.92502,"confidence":0.99121094,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.3278947174549103},{"word":"could","start":300.92502,"end":301.08502,"confidence":0.99902344,"punctuated_word":"could","sentiment":"negative","sentiment_score":-0.4088463187217712},{"word":"get","start":301.08502,"end":301.325,"confidence":1.0,"punctuated_word":"get","sentiment":"negative","sentiment_score":-0.35323289036750793},{"word":"around","start":301.325,"end":301.565,"confidence":0.9970703,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.3013993501663208},{"word":"it","start":301.565,"end":301.725,"confidence":0.89404297,"punctuated_word":"it,","sentiment":"negative","sentiment_score":-0.3766580820083618},{"word":"it'd","start":301.725,"end":301.885,"confidence":0.97436523,"punctuated_word":"it'd","sentiment":"negative","sentiment_score":-0.374772310256958},{"word":"be","start":301.885,"end":302.045,"confidence":0.9970703,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.34572646021842957},{"word":"great","start":302.045,"end":302.285,"confidence":0.94262695,"punctuated_word":"great.","sentiment":"neutral","sentiment_score":-0.28171306848526},{"word":"when","start":302.285,"end":302.52502,"confidence":0.5864258,"punctuated_word":"When","sentiment":"negative","sentiment_score":-0.3974958062171936},{"word":"the","start":302.52502,"end":302.605,"confidence":0.6303711,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4878059923648834},{"word":"technology","start":302.605,"end":303.105,"confidence":0.9941406,"punctuated_word":"technology","sentiment":"negative","sentiment_score":-0.48761817812919617},{"word":"can","start":303.245,"end":303.405,"confidence":0.6489258,"punctuated_word":"can","sentiment":"negative","sentiment_score":-0.4499363899230957},{"word":"be","start":303.405,"end":303.565,"confidence":0.99902344,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.4649141728878021},{"word":"a","start":303.565,"end":303.64502,"confidence":0.98291016,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.5278739929199219},{"word":"pain","start":303.64502,"end":303.885,"confidence":0.8774414,"punctuated_word":"pain","sentiment":"negative","sentiment_score":-0.5265350937843323},{"word":"when","start":303.885,"end":303.96503,"confidence":0.36206055,"punctuated_word":"when","sentiment":"negative","sentiment_score":-0.41669976711273193},{"word":"it","start":303.96503,"end":304.045,"confidence":0.48339844,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.4201796948909759},{"word":"don't","start":304.045,"end":304.285,"confidence":0.7988281,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.3658179044723511},{"word":"work","start":304.285,"end":304.785,"confidence":0.9946289,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":-0.3120843768119812},{"word":"no","start":306.845,"end":307.165,"confidence":0.97802734,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0632653534412384},{"word":"that's","start":307.165,"end":307.565,"confidence":0.99902344,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07163619250059128},{"word":"honestly","start":307.565,"end":308.065,"confidence":0.97802734,"punctuated_word":"honestly","sentiment":"neutral","sentiment_score":0.03687901794910431},{"word":"okay","start":308.20502,"end":308.70502,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.16507649421691897},{"word":"it's","start":308.765,"end":308.92502,"confidence":0.9790039,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.3313707113265991},{"word":"not","start":308.92502,"end":309.08502,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.27727222442626953},{"word":"a","start":309.08502,"end":309.245,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.29399770498275757},{"word":"problem","start":309.245,"end":309.565,"confidence":1.0,"punctuated_word":"problem","sentiment":"neutral","sentiment_score":0.321813702583313},{"word":"at","start":309.565,"end":309.725,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.31327855587005615},{"word":"all","start":309.725,"end":310.14,"confidence":0.9980469,"punctuated_word":"all.","sentiment":"positive","sentiment_score":0.3364792466163635},{"word":"to","start":310.46002,"end":310.62003,"confidence":0.98535156,"punctuated_word":"To","sentiment":"neutral","sentiment_score":0.11863906681537628},{"word":"make","start":310.62003,"end":310.7,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.15740659832954407},{"word":"this","start":310.7,"end":310.86002,"confidence":0.9902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.16440662741661072},{"word":"a","start":310.86002,"end":311.02002,"confidence":0.9863281,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21459968388080597},{"word":"bit","start":311.02002,"end":311.26,"confidence":0.97265625,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.11924436688423155},{"word":"easier","start":311.26,"end":311.66,"confidence":0.97436523,"punctuated_word":"easier,","sentiment":"neutral","sentiment_score":0.141619935631752},{"word":"there","start":311.66,"end":311.82,"confidence":0.98535156,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.09333137422800064},{"word":"is","start":311.82,"end":311.98,"confidence":0.9921875,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09417716413736343},{"word":"quite","start":311.98,"end":312.1,"confidence":0.99902344,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.0733688548207283},{"word":"a","start":312.1,"end":312.22,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08561891317367554},{"word":"lot","start":312.22,"end":312.46002,"confidence":0.99902344,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.030463218688964844},{"word":"of","start":312.46002,"end":312.54,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03064683824777603},{"word":"pages","start":312.54,"end":312.94,"confidence":0.9980469,"punctuated_word":"pages","sentiment":"neutral","sentiment_score":0.02612222731113434},{"word":"there","start":312.94,"end":313.18002,"confidence":0.94750977,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.07529902458190918},{"word":"but","start":313.18002,"end":313.34003,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.11828257888555528},{"word":"i'll","start":313.34003,"end":313.58002,"confidence":0.99902344,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.12508851289749146},{"word":"just","start":313.58002,"end":313.74002,"confidence":0.99609375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15005099773406982},{"word":"sort","start":313.74002,"end":313.90002,"confidence":0.9951172,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.17190471291542053},{"word":"of","start":313.90002,"end":313.98,"confidence":0.9873047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17769497632980347},{"word":"make","start":313.98,"end":314.14,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1747763752937317},{"word":"it","start":314.14,"end":314.30002,"confidence":0.96533203,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2177828550338745},{"word":"a","start":314.30002,"end":314.38,"confidence":0.92822266,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25643184781074524},{"word":"bit","start":314.38,"end":314.54,"confidence":0.9902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.23680715262889865},{"word":"easier","start":314.54,"end":314.94,"confidence":0.99902344,"punctuated_word":"easier","sentiment":"neutral","sentiment_score":0.2790292799472809},{"word":"for","start":314.94,"end":315.1,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3090636432170868},{"word":"you","start":315.1,"end":315.26,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2183721959590912},{"word":"both","start":315.26,"end":315.58002,"confidence":0.9592285,"punctuated_word":"both.","sentiment":"neutral","sentiment_score":0.050047289580106735},{"word":"if","start":315.58002,"end":315.74002,"confidence":0.99902344,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.14354166388511658},{"word":"i","start":315.74002,"end":315.90002,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12152960896492004},{"word":"can","start":315.90002,"end":316.06003,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.12038807570934296},{"word":"get","start":316.06003,"end":316.22,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.15543942153453827},{"word":"you","start":316.22,"end":316.46002,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11861030757427216},{"word":"to","start":316.46002,"end":316.54,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1029764711856842},{"word":"go","start":316.54,"end":316.78003,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.10579204559326172},{"word":"down","start":316.78003,"end":317.02002,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.12333892285823822},{"word":"to","start":317.02002,"end":317.18002,"confidence":0.85546875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10186894237995148},{"word":"page","start":317.18002,"end":317.58002,"confidence":0.99902344,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.09195182472467422},{"word":"number","start":317.58002,"end":318.08002,"confidence":0.99902344,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.10117556154727936},{"word":"20","start":318.86002,"end":319.34003,"confidence":0.984375,"punctuated_word":"20","sentiment":"neutral","sentiment_score":0.13105356693267822},{"word":"for","start":319.34003,"end":319.5,"confidence":0.97998047,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1027947962284088},{"word":"me","start":319.5,"end":319.82,"confidence":0.8654785,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.1194699853658676},{"word":"i'll","start":319.82,"end":320.06003,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.15857486426830292},{"word":"just","start":320.06003,"end":320.30002,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.19781923294067383},{"word":"take","start":320.30002,"end":320.46002,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.30056625604629517},{"word":"you","start":320.46002,"end":320.7,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2634533643722534},{"word":"through","start":320.7,"end":320.86002,"confidence":1.0,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.34435009956359863},{"word":"what","start":320.86002,"end":321.1,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.33978572487831116},{"word":"these","start":321.1,"end":321.34003,"confidence":0.9980469,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.27572548389434814},{"word":"recommendations","start":321.34003,"end":321.84003,"confidence":0.99902344,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":0.22836439311504364},{"word":"are","start":322.22,"end":322.46002,"confidence":0.90649414,"punctuated_word":"are,","sentiment":"neutral","sentiment_score":0.27235710620880127},{"word":"and","start":322.46002,"end":322.62003,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2779422700405121},{"word":"then","start":322.62003,"end":322.78003,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.26360270380973816},{"word":"i'll","start":322.78003,"end":322.94,"confidence":1.0,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.3402971625328064},{"word":"show","start":322.94,"end":323.18002,"confidence":1.0,"punctuated_word":"show","sentiment":"positive","sentiment_score":0.3599972724914551},{"word":"you","start":323.18002,"end":323.42,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.33089664578437805},{"word":"why","start":323.42,"end":323.66,"confidence":1.0,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.3123430013656616},{"word":"i've","start":323.66,"end":323.82,"confidence":0.99902344,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.4445607662200928},{"word":"made","start":323.82,"end":324.06003,"confidence":1.0,"punctuated_word":"made","sentiment":"positive","sentiment_score":0.484090268611908},{"word":"them","start":324.06003,"end":324.22,"confidence":0.9892578,"punctuated_word":"them","sentiment":"positive","sentiment_score":0.5230206251144409},{"word":"this","start":324.22,"end":324.46002,"confidence":0.9951172,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.4161331057548523},{"word":"way","start":324.46002,"end":324.7,"confidence":0.9970703,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.4015299677848816},{"word":"for","start":324.7,"end":324.86002,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.35903388261795044},{"word":"you","start":324.86002,"end":325.36002,"confidence":0.9970703,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2384946346282959},{"word":"perfect","start":327.855,"end":328.355,"confidence":0.99853516,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.705637514591217},{"word":"now","start":328.975,"end":329.295,"confidence":0.888916,"punctuated_word":"Now,","sentiment":"positive","sentiment_score":0.3630399703979492},{"word":"peter","start":329.295,"end":329.695,"confidence":0.9753418,"punctuated_word":"Peter,","sentiment":"positive","sentiment_score":0.3693695068359375},{"word":"you","start":329.695,"end":330.015,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3553515672683716},{"word":"are","start":330.015,"end":330.33502,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.3327646851539612},{"word":"still","start":330.33502,"end":330.575,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.30811747908592224},{"word":"a","start":330.575,"end":330.815,"confidence":0.9892578,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.34175026416778564},{"word":"high","start":330.815,"end":331.055,"confidence":0.98828125,"punctuated_word":"high","sentiment":"positive","sentiment_score":0.47717246413230896},{"word":"growth","start":331.055,"end":331.375,"confidence":0.9970703,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.48358750343322754},{"word":"investor","start":331.375,"end":331.855,"confidence":0.82250977,"punctuated_word":"investor,","sentiment":"neutral","sentiment_score":0.30421948432922363},{"word":"so","start":331.855,"end":332.095,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.21698346734046936},{"word":"we're","start":332.095,"end":332.255,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.27776139974594116},{"word":"still","start":332.255,"end":332.415,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.20993497967720032},{"word":"looking","start":332.415,"end":332.655,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.23854407668113708},{"word":"at","start":332.655,"end":332.815,"confidence":0.9873047,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.3006927967071533},{"word":"the","start":332.815,"end":332.89502,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26212596893310547},{"word":"high","start":332.89502,"end":333.135,"confidence":0.9951172,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.3121670186519623},{"word":"growth","start":333.135,"end":333.535,"confidence":0.9980469,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.383180171251297},{"word":"portfolio","start":333.535,"end":334.035,"confidence":0.9941406,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.25185108184814453},{"word":"for","start":334.095,"end":334.255,"confidence":0.96972656,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.25014448165893555},{"word":"yourself","start":334.255,"end":334.73502,"confidence":0.9667969,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":0.2813416123390198},{"word":"there","start":334.73502,"end":335.23502,"confidence":0.96875,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.20876094698905945},{"word":"but","start":335.45502,"end":335.61502,"confidence":0.9790039,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.1089412271976471},{"word":"as","start":335.61502,"end":335.775,"confidence":0.7675781,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11563579738140106},{"word":"i","start":335.775,"end":335.855,"confidence":0.82958984,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13114747405052185},{"word":"kinda","start":335.855,"end":336.17502,"confidence":0.63720703,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.1529839038848877},{"word":"made","start":336.17502,"end":336.415,"confidence":0.77246094,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.09886223822832108},{"word":"mention","start":336.415,"end":336.73502,"confidence":0.97314453,"punctuated_word":"mention,","sentiment":"neutral","sentiment_score":0.08325380086898804},{"word":"i've","start":336.73502,"end":336.89502,"confidence":0.9970703,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.12027435749769212},{"word":"had","start":336.89502,"end":337.055,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.10239173471927644},{"word":"a","start":337.055,"end":337.135,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10412992537021636},{"word":"bit","start":337.135,"end":337.295,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.11884874105453493},{"word":"of","start":337.295,"end":337.45502,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11097295582294464},{"word":"a","start":337.45502,"end":337.61502,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0924810916185379},{"word":"look","start":337.61502,"end":337.775,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.06996345520019531},{"word":"at","start":337.775,"end":337.935,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1188742071390152},{"word":"your","start":337.935,"end":338.17502,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10245569050312042},{"word":"investments","start":338.17502,"end":338.655,"confidence":0.876709,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.07567054033279419},{"word":"done","start":338.655,"end":338.89502,"confidence":0.9838867,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.11798568814992905},{"word":"a","start":338.89502,"end":338.975,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11585097014904022},{"word":"bit","start":338.975,"end":339.135,"confidence":0.9902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.11331219971179962},{"word":"of","start":339.135,"end":339.375,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1017550528049469},{"word":"looking","start":339.375,"end":339.61502,"confidence":0.99121094,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.08075408637523651},{"word":"around","start":339.61502,"end":339.935,"confidence":0.99902344,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.12914127111434937},{"word":"and","start":339.935,"end":340.095,"confidence":0.83740234,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.114890955388546},{"word":"seeing","start":340.095,"end":340.33502,"confidence":0.99609375,"punctuated_word":"seeing","sentiment":"neutral","sentiment_score":0.12390867620706558},{"word":"how","start":340.33502,"end":340.575,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.13537026941776276},{"word":"things","start":340.575,"end":340.815,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.17827953398227692},{"word":"are","start":340.815,"end":341.19,"confidence":0.99609375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.14966362714767456},{"word":"structured","start":341.35,"end":341.67,"confidence":1.0,"punctuated_word":"structured","sentiment":"neutral","sentiment_score":0.14478008449077606},{"word":"for","start":341.67,"end":341.91,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.16384270787239075},{"word":"you","start":341.91,"end":342.41,"confidence":0.84106445,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.12865610420703888},{"word":"and","start":342.79,"end":343.03,"confidence":0.59521484,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10328388214111328},{"word":"i","start":343.03,"end":343.19,"confidence":0.90771484,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1592596024274826},{"word":"am","start":343.19,"end":343.35,"confidence":0.87158203,"punctuated_word":"am","sentiment":"neutral","sentiment_score":0.19346557557582855},{"word":"making","start":343.35,"end":343.67,"confidence":0.9980469,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.241421639919281},{"word":"a","start":343.67,"end":343.83002,"confidence":0.96240234,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18339404463768005},{"word":"bit","start":343.83002,"end":343.91,"confidence":0.99121094,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1935175508260727},{"word":"of","start":343.91,"end":344.15,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2392306625843048},{"word":"a","start":344.15,"end":344.31,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22001877427101135},{"word":"recommendation","start":344.31,"end":344.81,"confidence":1.0,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":0.23824356496334076},{"word":"that","start":344.87,"end":345.03,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1679549515247345},{"word":"we","start":345.03,"end":345.27,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14229702949523926},{"word":"make","start":345.27,"end":345.51,"confidence":0.9980469,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.14971520006656647},{"word":"a","start":345.51,"end":345.67,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15104597806930542},{"word":"change","start":345.67,"end":346.07,"confidence":1.0,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.12916912138462067},{"word":"to","start":346.07,"end":346.23,"confidence":0.80371094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12613576650619507},{"word":"these","start":346.23,"end":346.63,"confidence":0.9711914,"punctuated_word":"these.","sentiment":"neutral","sentiment_score":0.09947067499160768},{"word":"so","start":346.63,"end":347.13,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09087246656417848},{"word":"you","start":347.59,"end":347.75,"confidence":0.7373047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12341035902500153},{"word":"both","start":347.75,"end":348.07,"confidence":0.29003906,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.12470677495002748},{"word":"have","start":348.07,"end":348.47,"confidence":0.52734375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08703196048736572},{"word":"been","start":348.47,"end":348.71,"confidence":0.94970703,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.06227296218276024},{"word":"along","start":348.71,"end":349.11002,"confidence":0.5722656,"punctuated_word":"along","sentiment":"neutral","sentiment_score":0.10190806537866592},{"word":"australian","start":349.11002,"end":349.61002,"confidence":0.89990234,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.16766589879989624},{"word":"equities","start":349.67,"end":350.17,"confidence":0.9592285,"punctuated_word":"equities","sentiment":"neutral","sentiment_score":0.07939501851797104},{"word":"inside","start":350.31,"end":350.71,"confidence":0.9980469,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":0.07077029347419739},{"word":"your","start":350.71,"end":351.21,"confidence":0.97802734,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10406942665576936},{"word":"inside","start":351.59,"end":351.83002,"confidence":0.39526367,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":0.1125958040356636},{"word":"your","start":351.83002,"end":352.07,"confidence":0.9716797,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11652273684740068},{"word":"papers","start":352.07,"end":352.47,"confidence":0.104003906,"punctuated_word":"papers","sentiment":"neutral","sentiment_score":0.09164650738239288},{"word":"the","start":352.47,"end":352.63,"confidence":0.5214844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07646248489618301},{"word":"last","start":352.63,"end":352.87,"confidence":0.9980469,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.0786585807800293},{"word":"couple","start":352.87,"end":353.19,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.06974822282791138},{"word":"of","start":353.19,"end":353.27,"confidence":0.94921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0876149833202362},{"word":"years","start":353.27,"end":353.59,"confidence":0.7807617,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.09499353170394896},{"word":"and","start":353.59,"end":353.75,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12690865993499756},{"word":"then","start":353.75,"end":353.99,"confidence":0.8569336,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.13397112488746643},{"word":"along","start":353.99,"end":354.39,"confidence":0.8305664,"punctuated_word":"along","sentiment":"neutral","sentiment_score":0.15920192003250122},{"word":"long","start":354.39,"end":354.63,"confidence":0.7841797,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.273918092250824},{"word":"term","start":354.63,"end":354.95,"confidence":0.9921875,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.30323511362075806},{"word":"has","start":354.95,"end":355.19,"confidence":0.92822266,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.2808453142642975},{"word":"been","start":355.19,"end":355.43,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.2719266712665558},{"word":"a","start":355.43,"end":355.51,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3737943768501282},{"word":"great","start":355.51,"end":355.75,"confidence":1.0,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.433791309595108},{"word":"investment","start":355.75,"end":356.25,"confidence":0.9411621,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.2500111162662506},{"word":"but","start":356.39,"end":356.865,"confidence":0.9941406,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.0620604082942009},{"word":"since","start":357.10498,"end":357.505,"confidence":0.9970703,"punctuated_word":"since","sentiment":"neutral","sentiment_score":-0.18877562880516052},{"word":"january","start":357.505,"end":358.625,"confidence":0.97526044,"punctuated_word":"January,","sentiment":"neutral","sentiment_score":-0.1722678244113922},{"word":"it's","start":358.625,"end":358.785,"confidence":0.99316406,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.28335171937942505},{"word":"actually","start":358.785,"end":359.10498,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"negative","sentiment_score":-0.33732593059539795},{"word":"been","start":359.10498,"end":359.345,"confidence":0.99316406,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.3370702564716339},{"word":"underperforming","start":359.345,"end":359.845,"confidence":0.9926758,"punctuated_word":"underperforming","sentiment":"neutral","sentiment_score":-0.29246506094932556},{"word":"pretty","start":360.305,"end":360.705,"confidence":0.99902344,"punctuated_word":"pretty","sentiment":"negative","sentiment_score":-0.3362824320793152},{"word":"significantly","start":360.705,"end":361.205,"confidence":0.9667969,"punctuated_word":"significantly.","sentiment":"negative","sentiment_score":-0.3441983461380005},{"word":"so","start":361.585,"end":362.085,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.12313677370548248},{"word":"we","start":362.465,"end":362.785,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.1313117742538452},{"word":"went","start":362.785,"end":363.285,"confidence":0.99121094,"punctuated_word":"went","sentiment":"neutral","sentiment_score":-0.12914979457855225},{"word":"so","start":364.865,"end":365.185,"confidence":0.70751953,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.11269597709178925},{"word":"we","start":365.185,"end":365.345,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.10977023839950562},{"word":"went","start":365.345,"end":365.66498,"confidence":0.99902344,"punctuated_word":"went","sentiment":"neutral","sentiment_score":-0.11854486167430878},{"word":"back","start":365.66498,"end":365.905,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.10790089517831802},{"word":"and","start":365.905,"end":366.145,"confidence":0.5053711,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.11155707389116289},{"word":"we","start":366.145,"end":366.305,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.09347347915172576},{"word":"spoke","start":366.305,"end":366.54498,"confidence":0.9873047,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":-0.08034824579954147},{"word":"to","start":366.54498,"end":366.705,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07692185044288635},{"word":"servi","start":366.705,"end":367.025,"confidence":0.29418945,"punctuated_word":"Servi","sentiment":"neutral","sentiment_score":-0.08866400271654129},{"word":"and","start":367.025,"end":367.185,"confidence":0.98291016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.09090863168239594},{"word":"bart","start":367.185,"end":367.425,"confidence":0.65966797,"punctuated_word":"Bart","sentiment":"neutral","sentiment_score":-0.09666678309440611},{"word":"and","start":367.425,"end":367.585,"confidence":0.7661133,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.09387661516666412},{"word":"sort","start":367.585,"end":367.745,"confidence":0.9316406,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.1511785089969635},{"word":"of","start":367.745,"end":367.905,"confidence":0.8378906,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.13273833692073822},{"word":"said","start":367.905,"end":368.145,"confidence":0.9838867,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.12661612033843994},{"word":"look","start":368.145,"end":368.305,"confidence":0.85498047,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":-0.1460701823234558},{"word":"this","start":368.305,"end":368.54498,"confidence":0.99902344,"punctuated_word":"This","sentiment":"negative","sentiment_score":-0.3800548017024994},{"word":"isn't","start":368.54498,"end":368.865,"confidence":0.9995117,"punctuated_word":"isn't","sentiment":"negative","sentiment_score":-0.4336336851119995},{"word":"working","start":368.865,"end":369.345,"confidence":0.99560547,"punctuated_word":"working.","sentiment":"negative","sentiment_score":-0.43478506803512573},{"word":"we","start":369.345,"end":369.505,"confidence":1.0,"punctuated_word":"We","sentiment":"negative","sentiment_score":-0.34236806631088257},{"word":"need","start":369.505,"end":369.745,"confidence":1.0,"punctuated_word":"need","sentiment":"negative","sentiment_score":-0.4022654891014099},{"word":"to","start":369.745,"end":370.17,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.368691086769104},{"word":"find","start":370.41,"end":370.65002,"confidence":0.9951172,"punctuated_word":"find","sentiment":"negative","sentiment_score":-0.35194510221481323},{"word":"something","start":370.65002,"end":371.05002,"confidence":1.0,"punctuated_word":"something","sentiment":"negative","sentiment_score":-0.394406259059906},{"word":"else","start":371.05002,"end":371.55002,"confidence":0.9797363,"punctuated_word":"else.","sentiment":"neutral","sentiment_score":-0.2503899931907654},{"word":"so","start":371.61002,"end":371.93002,"confidence":0.63378906,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0942237749695778},{"word":"we've","start":371.93002,"end":372.09003,"confidence":1.0,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.0653461441397667},{"word":"done","start":372.09003,"end":372.33002,"confidence":0.99902344,"punctuated_word":"done","sentiment":"neutral","sentiment_score":-0.07668905705213547},{"word":"a","start":372.33002,"end":372.41,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09072932600975037},{"word":"bit","start":372.41,"end":372.57,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.026477083563804623},{"word":"of","start":372.57,"end":372.73,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08017173409461975},{"word":"research","start":372.73,"end":373.21002,"confidence":0.99902344,"punctuated_word":"research","sentiment":"neutral","sentiment_score":-0.082682766020298},{"word":"around","start":373.21002,"end":373.53,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.06413933634757996},{"word":"what","start":373.53,"end":373.85,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.10910631716251372},{"word":"to","start":373.85,"end":374.17,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1262822151184082},{"word":"alter","start":374.17,"end":374.49002,"confidence":0.9550781,"punctuated_word":"alter","sentiment":"neutral","sentiment_score":-0.07540052384138107},{"word":"and","start":374.49002,"end":374.73,"confidence":0.9707031,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0526885911822319},{"word":"to","start":374.73,"end":375.05002,"confidence":0.96875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06334257870912552},{"word":"how","start":375.13,"end":375.29,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.02972979098558426},{"word":"to","start":375.29,"end":375.45,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06499806046485901},{"word":"move","start":375.45,"end":375.69,"confidence":0.99902344,"punctuated_word":"move","sentiment":"neutral","sentiment_score":-0.030639946460723877},{"word":"that","start":375.69,"end":375.93002,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04384922981262207},{"word":"investment","start":375.93002,"end":376.43002,"confidence":0.9753418,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":-0.029418520629405975},{"word":"so","start":377.21002,"end":377.37003,"confidence":0.9614258,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.055620014667510986},{"word":"we're","start":377.37003,"end":377.61002,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.1289958357810974},{"word":"gonna","start":377.61002,"end":378.01,"confidence":0.9892578,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.18258652091026303},{"word":"sell","start":378.01,"end":378.25,"confidence":0.99609375,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.1278757601976395},{"word":"that","start":378.25,"end":378.57,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14567285776138306},{"word":"for","start":378.57,"end":378.73,"confidence":0.9614258,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13213719427585602},{"word":"both","start":378.73,"end":378.97,"confidence":1.0,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.2218046635389328},{"word":"of","start":378.97,"end":379.13,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20046241581439972},{"word":"your","start":379.13,"end":379.45,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15490800142288208},{"word":"portfolios","start":379.45,"end":379.95,"confidence":0.8173828,"punctuated_word":"portfolios,","sentiment":"neutral","sentiment_score":0.16859787702560425},{"word":"and","start":380.57,"end":380.73,"confidence":0.9819336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1722799837589264},{"word":"we're","start":380.73,"end":380.97,"confidence":0.9914551,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.1614799201488495},{"word":"moving","start":380.97,"end":381.29,"confidence":0.99902344,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.18096323311328888},{"word":"the","start":381.29,"end":381.45,"confidence":0.9667969,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17091654241085052},{"word":"funds","start":381.45,"end":381.93002,"confidence":0.95947266,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.14788492023944855},{"word":"out","start":381.93002,"end":382.09003,"confidence":0.9658203,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.16157583892345428},{"word":"of","start":382.09003,"end":382.25,"confidence":0.9760742,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09303100407123566},{"word":"benelong","start":382.25,"end":382.75,"confidence":0.5701497,"punctuated_word":"Benelong","sentiment":"neutral","sentiment_score":0.06318509578704834},{"word":"australian","start":383.04498,"end":383.205,"confidence":0.54248047,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.07528285682201385},{"word":"equities","start":383.205,"end":383.605,"confidence":0.8076172,"punctuated_word":"equities","sentiment":"neutral","sentiment_score":0.0948622226715088},{"word":"and","start":383.605,"end":383.845,"confidence":0.9404297,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12189485877752304},{"word":"into","start":383.845,"end":384.085,"confidence":0.99609375,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.11935000121593475},{"word":"the","start":384.085,"end":384.32498,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10296226292848588},{"word":"a","start":384.32498,"end":384.565,"confidence":0.98095703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09777095168828964},{"word":"200","start":384.565,"end":385.205,"confidence":0.97961426,"punctuated_word":"200,","sentiment":"neutral","sentiment_score":0.12949398159980774},{"word":"which","start":385.205,"end":385.445,"confidence":0.9980469,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.13960781693458557},{"word":"is","start":385.445,"end":385.605,"confidence":0.9941406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11689529567956924},{"word":"the","start":385.605,"end":385.76498,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10758458077907562},{"word":"second","start":385.76498,"end":386.085,"confidence":1.0,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.10753034055233002},{"word":"one","start":386.085,"end":386.32498,"confidence":0.9941406,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.0838371217250824},{"word":"from","start":386.32498,"end":386.565,"confidence":0.9970703,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.0958305448293686},{"word":"the","start":386.565,"end":386.645,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10808819532394408},{"word":"bottom","start":386.645,"end":386.965,"confidence":0.99902344,"punctuated_word":"bottom","sentiment":"neutral","sentiment_score":0.11774984747171402},{"word":"there","start":386.965,"end":387.285,"confidence":0.8869629,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.09867145121097563},{"word":"the","start":387.285,"end":387.445,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09248106926679613},{"word":"betashares","start":387.445,"end":387.945,"confidence":0.8425293,"punctuated_word":"BetaShares","sentiment":"neutral","sentiment_score":0.0901583880186081},{"word":"australian","start":388.165,"end":388.645,"confidence":0.88964844,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.07221920788288116},{"word":"200","start":388.645,"end":389.385,"confidence":0.99853516,"punctuated_word":"200.","sentiment":"neutral","sentiment_score":0.06342721730470657},{"word":"now","start":389.845,"end":390.085,"confidence":0.99902344,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.05190901458263397},{"word":"this","start":390.085,"end":390.485,"confidence":0.97509766,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.033469971269369125},{"word":"investment","start":390.485,"end":390.985,"confidence":0.9941406,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.02005000039935112},{"word":"yeah","start":391.445,"end":391.76498,"confidence":0.92089844,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.019474327564239505},{"word":"sorry","start":391.76498,"end":392.26498,"confidence":0.92529297,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.03682630881667137},{"word":"page","start":395.94,"end":396.44,"confidence":0.9941406,"punctuated_word":"Page","sentiment":"neutral","sentiment_score":-0.005431922152638435},{"word":"20","start":396.5,"end":397.0,"confidence":0.99560547,"punctuated_word":"20.","sentiment":"neutral","sentiment_score":-0.004475580994039774},{"word":"sorry","start":397.30002,"end":397.7,"confidence":0.9921875,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.031144708395004272},{"word":"you're","start":397.7,"end":398.02002,"confidence":0.9980469,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.0358947217464447},{"word":"right","start":398.02002,"end":398.42,"confidence":0.9807129,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":-0.0399647019803524},{"word":"tell","start":398.42,"end":398.66,"confidence":1.0,"punctuated_word":"Tell","sentiment":"neutral","sentiment_score":-0.08053332567214966},{"word":"me","start":398.66,"end":398.82,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.04798317700624466},{"word":"if","start":398.82,"end":398.98,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.05039362609386444},{"word":"i","start":398.98,"end":399.14,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06633179634809494},{"word":"need","start":399.14,"end":399.38,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.07698415219783783},{"word":"and","start":399.46002,"end":399.62003,"confidence":0.7158203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0694349855184555},{"word":"it","start":399.62003,"end":399.78,"confidence":0.7241211,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0921185091137886},{"word":"goes","start":399.78,"end":400.02002,"confidence":0.82910156,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.07691307365894318},{"word":"slower","start":400.02002,"end":400.42,"confidence":0.92089844,"punctuated_word":"slower","sentiment":"neutral","sentiment_score":-0.04904909431934357},{"word":"for","start":400.42,"end":400.58002,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.08937324583530426},{"word":"you","start":400.58002,"end":400.82,"confidence":0.99902344,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.0528843067586422},{"word":"peter","start":400.82,"end":401.32,"confidence":0.9641113,"punctuated_word":"Peter.","sentiment":"neutral","sentiment_score":-0.04058421775698662},{"word":"yeah","start":403.46002,"end":403.96002,"confidence":0.9802246,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.005616507027298212},{"word":"that's","start":404.26,"end":404.66,"confidence":0.9980469,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.01248970814049244},{"word":"the","start":404.66,"end":404.82,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.008982069790363312},{"word":"one","start":404.82,"end":405.14,"confidence":1.0,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.008190689608454704},{"word":"yeah","start":405.14,"end":405.64,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.023308556526899334},{"word":"so","start":406.26,"end":406.42,"confidence":0.8769531,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.013649564236402512},{"word":"we're","start":406.42,"end":406.66,"confidence":0.9975586,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.03833260387182236},{"word":"gonna","start":406.66,"end":407.06,"confidence":0.9970703,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.05698106810450554},{"word":"sell","start":407.06,"end":407.46002,"confidence":0.9482422,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.030845768749713898},{"word":"all","start":407.46002,"end":407.62003,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.013337306678295135},{"word":"of","start":407.62003,"end":407.78,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.001642070710659027},{"word":"the","start":407.78,"end":407.94,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.001426585018634796},{"word":"bannalong","start":407.94,"end":408.42,"confidence":0.72542316,"punctuated_word":"Bannalong","sentiment":"neutral","sentiment_score":-0.0009379660477861762},{"word":"australian","start":408.42,"end":408.90002,"confidence":0.984375,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.036842864006757736},{"word":"equities","start":408.90002,"end":409.38,"confidence":0.83723956,"punctuated_word":"equities.","sentiment":"neutral","sentiment_score":0.023426800966262817},{"word":"now","start":409.38,"end":409.62003,"confidence":0.7602539,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.010903842747211456},{"word":"bannalong","start":409.62003,"end":410.12003,"confidence":0.9970703,"punctuated_word":"Bannalong","sentiment":"neutral","sentiment_score":0.019187498837709427},{"word":"is","start":410.34003,"end":410.5,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.016139954328536987},{"word":"a","start":410.5,"end":410.66,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01975926198065281},{"word":"managed","start":410.66,"end":411.015,"confidence":0.9790039,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.01790652424097061},{"word":"fund","start":411.17502,"end":411.49503,"confidence":0.92163086,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.025088796392083168},{"word":"and","start":411.49503,"end":411.73502,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02546800673007965},{"word":"the","start":411.73502,"end":411.89502,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02729654312133789},{"word":"reason","start":411.89502,"end":412.21503,"confidence":0.9980469,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":0.06538794189691544},{"word":"it","start":412.21503,"end":412.295,"confidence":0.63183594,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.030909813940525055},{"word":"was","start":412.295,"end":412.535,"confidence":0.96777344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.045382946729660034},{"word":"in","start":412.535,"end":412.695,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08254285156726837},{"word":"everyone's","start":412.695,"end":413.17502,"confidence":0.9975586,"punctuated_word":"everyone's","sentiment":"neutral","sentiment_score":0.06469912827014923},{"word":"portfolios","start":413.17502,"end":413.67502,"confidence":0.5527344,"punctuated_word":"portfolios","sentiment":"neutral","sentiment_score":0.04995529353618622},{"word":"back","start":413.815,"end":414.05502,"confidence":0.9707031,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.05827919766306877},{"word":"in","start":414.05502,"end":414.135,"confidence":0.98535156,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04731643572449684},{"word":"the","start":414.135,"end":414.295,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.053071074187755585},{"word":"day","start":414.295,"end":414.535,"confidence":1.0,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.05776140093803406},{"word":"was","start":414.535,"end":414.77502,"confidence":0.9291992,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.0727013498544693},{"word":"that","start":414.77502,"end":414.855,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.029394615441560745},{"word":"it","start":414.855,"end":414.93503,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.014300242066383362},{"word":"was","start":414.93503,"end":415.095,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.00890088826417923},{"word":"more","start":415.095,"end":415.33502,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.023467078804969788},{"word":"of","start":415.33502,"end":415.415,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.007644228637218475},{"word":"an","start":415.415,"end":415.575,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.025973007082939148},{"word":"actively","start":415.575,"end":415.975,"confidence":0.9980469,"punctuated_word":"actively","sentiment":"neutral","sentiment_score":0.08699978142976761},{"word":"managed","start":415.975,"end":416.45502,"confidence":0.9951172,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.0430435836315155},{"word":"component","start":416.45502,"end":416.95502,"confidence":0.9748535,"punctuated_word":"component.","sentiment":"neutral","sentiment_score":0.05296359956264496},{"word":"so","start":417.015,"end":417.515,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01445925235748291},{"word":"the","start":417.65503,"end":417.975,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03194013237953186},{"word":"investment","start":417.975,"end":418.475,"confidence":0.9902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.03895874321460724},{"word":"committee","start":418.61502,"end":419.095,"confidence":0.9970703,"punctuated_word":"committee","sentiment":"neutral","sentiment_score":0.06092682480812073},{"word":"of","start":419.095,"end":419.255,"confidence":0.97998047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03989173471927643},{"word":"that","start":419.255,"end":419.415,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.011287599802017212},{"word":"managed","start":419.415,"end":419.815,"confidence":0.96875,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":0.0023374781012535095},{"word":"fund","start":419.815,"end":420.135,"confidence":0.92822266,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.05134546756744385},{"word":"are","start":420.135,"end":420.295,"confidence":0.8588867,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.019301854074001312},{"word":"supposed","start":420.295,"end":420.695,"confidence":0.9980469,"punctuated_word":"supposed","sentiment":"neutral","sentiment_score":0.01712857186794281},{"word":"to","start":420.695,"end":420.855,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.00630217045545578},{"word":"be","start":420.855,"end":421.095,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.013414792716503143},{"word":"buying","start":421.095,"end":421.33502,"confidence":0.99902344,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.07501374185085297},{"word":"and","start":421.33502,"end":421.575,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05317702889442444},{"word":"selling","start":421.575,"end":421.975,"confidence":1.0,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":0.07691996544599533},{"word":"and","start":421.975,"end":422.21503,"confidence":0.97265625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0594850555062294},{"word":"trying","start":422.21503,"end":422.45502,"confidence":0.9482422,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":0.028006285429000854},{"word":"to","start":422.45502,"end":422.61502,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07197360694408417},{"word":"outperform","start":422.61502,"end":423.095,"confidence":0.9921875,"punctuated_word":"outperform","sentiment":"neutral","sentiment_score":0.05728437751531601},{"word":"against","start":423.095,"end":423.575,"confidence":0.74072266,"punctuated_word":"against","sentiment":"neutral","sentiment_score":0.02310757339000702},{"word":"the","start":423.575,"end":423.65503,"confidence":0.96875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01844695210456848},{"word":"market","start":423.65503,"end":424.05502,"confidence":0.8691406,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":-0.00780794769525528},{"word":"and","start":424.05502,"end":424.295,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.0698307454586029},{"word":"as","start":424.295,"end":424.535,"confidence":0.9580078,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.1289074718952179},{"word":"everyone","start":424.535,"end":424.93503,"confidence":0.9980469,"punctuated_word":"everyone","sentiment":"neutral","sentiment_score":-0.14049971103668213},{"word":"sort","start":424.93503,"end":425.095,"confidence":0.9243164,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.1339072436094284},{"word":"of","start":425.095,"end":425.255,"confidence":0.79003906,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12091299891471864},{"word":"noticed","start":425.255,"end":425.65503,"confidence":0.9719238,"punctuated_word":"noticed,","sentiment":"neutral","sentiment_score":-0.1460614800453186},{"word":"they","start":425.65503,"end":425.89502,"confidence":0.93408203,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.2140697240829468},{"word":"have","start":425.89502,"end":426.135,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.19614925980567932},{"word":"not","start":426.135,"end":426.295,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1386776566505432},{"word":"been","start":426.295,"end":426.795,"confidence":0.986084,"punctuated_word":"been.","sentiment":"neutral","sentiment_score":-0.13707557320594788},{"word":"we","start":427.06998,"end":427.38998,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.037178318947553635},{"word":"flagged","start":427.38998,"end":427.63,"confidence":0.98535156,"punctuated_word":"flagged","sentiment":"neutral","sentiment_score":-0.03203589469194412},{"word":"it","start":427.63,"end":427.78998,"confidence":0.93408203,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.02937324158847332},{"word":"as","start":427.78998,"end":427.94998,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.05223260819911957},{"word":"soon","start":427.94998,"end":428.19,"confidence":0.99902344,"punctuated_word":"soon","sentiment":"neutral","sentiment_score":-0.07850497215986252},{"word":"as","start":428.19,"end":428.27,"confidence":0.9892578,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.04374106228351593},{"word":"we","start":428.27,"end":428.43,"confidence":0.9902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.05338737368583679},{"word":"started","start":428.43,"end":428.83,"confidence":0.9921875,"punctuated_word":"started","sentiment":"neutral","sentiment_score":-0.06965509802103043},{"word":"this","start":428.83,"end":428.99,"confidence":0.99609375,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.045943815261125565},{"word":"year","start":428.99,"end":429.15,"confidence":0.8798828,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.028483636677265167},{"word":"and","start":429.15,"end":429.31,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03352059796452522},{"word":"we're","start":429.31,"end":429.47,"confidence":0.91967773,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.046762119978666306},{"word":"like","start":429.47,"end":429.63,"confidence":0.88183594,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.05050939321517944},{"word":"we","start":429.63,"end":429.87,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.1135690212249756},{"word":"have","start":429.87,"end":430.11,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1285437047481537},{"word":"to","start":430.11,"end":430.19,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11676821112632751},{"word":"get","start":430.19,"end":430.34998,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.14770077168941498},{"word":"this","start":430.34998,"end":430.59,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.16322152316570282},{"word":"out","start":430.59,"end":430.83,"confidence":0.9289551,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.09343701601028442},{"word":"so","start":430.83,"end":430.99,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.003918066620826721},{"word":"we've","start":430.99,"end":431.22998,"confidence":0.99853516,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.0022420063614845276},{"word":"been","start":431.22998,"end":431.47,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.009948678314685822},{"word":"going","start":431.47,"end":431.78998,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.03614284098148346},{"word":"to","start":431.78998,"end":432.28998,"confidence":0.5415039,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03309842199087143},{"word":"doing","start":432.75,"end":432.99,"confidence":0.4802246,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.004491157829761505},{"word":"advice","start":432.99,"end":433.47,"confidence":0.9580078,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.04053516313433647},{"word":"to","start":433.47,"end":433.71,"confidence":0.75341797,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.018970489501953125},{"word":"everyone","start":433.71,"end":434.21,"confidence":1.0,"punctuated_word":"everyone","sentiment":"neutral","sentiment_score":0.0008519962430000305},{"word":"to","start":434.27,"end":434.43,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.038361966609954834},{"word":"try","start":434.43,"end":434.66998,"confidence":0.9970703,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.02589397132396698},{"word":"and","start":434.66998,"end":434.83,"confidence":0.9838867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02709562331438065},{"word":"alter","start":434.83,"end":435.06998,"confidence":0.9667969,"punctuated_word":"alter","sentiment":"neutral","sentiment_score":0.048871688544750214},{"word":"the","start":435.06998,"end":435.22998,"confidence":0.97998047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03139370679855347},{"word":"portfolio","start":435.22998,"end":435.72998,"confidence":0.61279297,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":-0.001569228246808052},{"word":"but","start":435.87,"end":436.19,"confidence":0.45629883,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.062064170837402344},{"word":"making","start":436.19,"end":436.43,"confidence":0.9970703,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.02490738406777382},{"word":"sure","start":436.43,"end":436.75,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.036941975355148315},{"word":"we're","start":436.75,"end":437.06998,"confidence":0.9980469,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.051143378019332886},{"word":"investigating","start":437.06998,"end":437.56998,"confidence":0.99902344,"punctuated_word":"investigating","sentiment":"neutral","sentiment_score":0.03979417681694031},{"word":"what's","start":437.87,"end":438.19,"confidence":1.0,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.05832686647772789},{"word":"important","start":438.19,"end":438.66998,"confidence":0.99902344,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.04584725201129913},{"word":"to","start":438.66998,"end":438.91,"confidence":0.9741211,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09809324890375136},{"word":"you","start":438.91,"end":439.06998,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09841658174991608},{"word":"guys","start":439.06998,"end":439.38998,"confidence":0.99609375,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.10524402558803558},{"word":"as","start":439.38998,"end":439.63,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15727870166301727},{"word":"per","start":439.63,"end":439.87,"confidence":0.9970703,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.15562987327575684},{"word":"your","start":439.87,"end":440.11,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14034223556518555},{"word":"goals","start":440.11,"end":440.61,"confidence":0.7915039,"punctuated_word":"goals.","sentiment":"neutral","sentiment_score":0.022521458566188812},{"word":"yeah","start":445.195,"end":445.595,"confidence":0.83374023,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13991233706474304},{"word":"so","start":445.595,"end":445.915,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1565069854259491},{"word":"this","start":445.915,"end":446.155,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2211185246706009},{"word":"is","start":446.155,"end":446.315,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.19158366322517395},{"word":"actually","start":446.315,"end":446.715,"confidence":0.9980469,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.1785556524991989},{"word":"selling","start":446.715,"end":447.035,"confidence":0.9951172,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":0.11430151760578156},{"word":"it","start":447.035,"end":447.275,"confidence":0.97216797,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.1605871319770813},{"word":"so","start":447.275,"end":447.435,"confidence":0.5336914,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.197549507021904},{"word":"this","start":447.435,"end":447.67502,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.23748651146888733},{"word":"says","start":447.67502,"end":447.915,"confidence":0.9741211,"punctuated_word":"says","sentiment":"neutral","sentiment_score":0.19909259676933289},{"word":"that","start":447.915,"end":448.075,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19339075684547424},{"word":"you've","start":448.075,"end":448.315,"confidence":0.9980469,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.23924057185649872},{"word":"got","start":448.315,"end":448.635,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.24541965126991272},{"word":"$64,007.46","start":448.635,"end":450.635,"confidence":0.9906616,"punctuated_word":"$64,007.46","sentiment":"neutral","sentiment_score":0.21607878804206848},{"word":"in","start":450.635,"end":450.875,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2607904076576233},{"word":"that","start":450.875,"end":451.035,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2315250188112259},{"word":"bennelong","start":451.035,"end":451.535,"confidence":0.92749023,"punctuated_word":"Bennelong","sentiment":"neutral","sentiment_score":0.17659655213356018},{"word":"equities","start":451.595,"end":452.095,"confidence":0.66748047,"punctuated_word":"Equities","sentiment":"neutral","sentiment_score":0.16503256559371948},{"word":"investment","start":452.155,"end":452.655,"confidence":0.92944336,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":0.1761106699705124},{"word":"and","start":453.11502,"end":453.355,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16891886293888092},{"word":"we're","start":453.355,"end":453.515,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.20596736669540405},{"word":"gonna","start":453.515,"end":453.915,"confidence":0.99609375,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.19520434737205505},{"word":"sell","start":453.915,"end":454.315,"confidence":0.9970703,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.07676540315151215},{"word":"all","start":454.315,"end":454.555,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.15072183310985565},{"word":"of","start":454.555,"end":454.715,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16915152966976166},{"word":"that","start":454.715,"end":455.215,"confidence":0.81811523,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.15742145478725433},{"word":"sell","start":455.755,"end":455.995,"confidence":0.5229492,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.05742805451154709},{"word":"it","start":455.995,"end":456.155,"confidence":0.9873047,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10604556649923325},{"word":"all","start":456.155,"end":456.39502,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.0984734296798706},{"word":"down","start":456.39502,"end":456.89502,"confidence":0.99853516,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":0.17091846466064453},{"word":"bennelong","start":457.34998,"end":457.84998,"confidence":0.75268555,"punctuated_word":"Bennelong","sentiment":"neutral","sentiment_score":0.14576676487922668},{"word":"normally","start":458.06998,"end":458.38998,"confidence":0.9970703,"punctuated_word":"normally","sentiment":"neutral","sentiment_score":0.17624850571155548},{"word":"has","start":458.38998,"end":458.62997,"confidence":0.9951172,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.171993687748909},{"word":"about","start":458.62997,"end":458.94998,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.13470573723316193},{"word":"25","start":458.94998,"end":459.59,"confidence":0.9995117,"punctuated_word":"25","sentiment":"neutral","sentiment_score":0.1784650832414627},{"word":"to","start":459.59,"end":459.75,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12046247720718384},{"word":"30","start":459.75,"end":460.06998,"confidence":0.9980469,"punctuated_word":"30","sentiment":"neutral","sentiment_score":0.12575165927410126},{"word":"different","start":460.06998,"end":460.46997,"confidence":0.99902344,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.0919998213648796},{"word":"investments","start":460.46997,"end":460.94998,"confidence":0.9980469,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.05217373371124267},{"word":"in","start":460.94998,"end":461.11,"confidence":0.9941406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12436328828334808},{"word":"it","start":461.11,"end":461.34998,"confidence":0.935791,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.1397572159767151},{"word":"so","start":461.34998,"end":461.59,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.20427389442920685},{"word":"by","start":461.59,"end":461.83,"confidence":0.99902344,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.26838043332099915},{"word":"moving","start":461.83,"end":462.15,"confidence":1.0,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.3148011267185211},{"word":"the","start":462.15,"end":462.31,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.282614141702652},{"word":"money","start":462.31,"end":462.62997,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.31756308674812317},{"word":"into","start":462.62997,"end":462.94998,"confidence":0.99609375,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.3206786513328552},{"word":"the","start":462.94998,"end":463.11,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26452842354774475},{"word":"beta","start":463.11,"end":463.50998,"confidence":0.76123047,"punctuated_word":"beta","sentiment":"neutral","sentiment_score":0.2469424307346344},{"word":"shares","start":463.50998,"end":463.90997,"confidence":0.9550781,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.1842959821224213},{"word":"australian","start":463.90997,"end":464.38998,"confidence":0.88964844,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.26986420154571533},{"word":"200","start":464.38998,"end":465.12997,"confidence":0.99658203,"punctuated_word":"200,","sentiment":"neutral","sentiment_score":0.30586498975753784},{"word":"you're","start":465.43,"end":465.66998,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.335929811000824},{"word":"actually","start":465.66998,"end":466.06998,"confidence":0.9970703,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.2933101952075958},{"word":"tracking","start":466.06998,"end":466.46997,"confidence":1.0,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.31709349155426025},{"word":"the","start":466.46997,"end":466.62997,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3138664662837982},{"word":"top","start":466.62997,"end":466.87,"confidence":0.99902344,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.33050814270973206},{"word":"200","start":466.87,"end":467.50998,"confidence":1.0,"punctuated_word":"200","sentiment":"positive","sentiment_score":0.4305106997489929},{"word":"companies","start":467.50998,"end":467.99,"confidence":0.99902344,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.255977600812912},{"word":"in","start":467.99,"end":468.15,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3686375617980957},{"word":"australia","start":468.15,"end":468.65,"confidence":0.86279297,"punctuated_word":"Australia.","sentiment":"neutral","sentiment_score":0.26688140630722046},{"word":"and","start":469.205,"end":469.445,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2709904909133911},{"word":"because","start":469.445,"end":469.685,"confidence":0.9902344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.22011926770210263},{"word":"benelong","start":469.685,"end":470.185,"confidence":0.59733075,"punctuated_word":"Benelong","sentiment":"neutral","sentiment_score":0.29074057936668396},{"word":"only","start":470.245,"end":470.565,"confidence":0.98291016,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.19545112550258636},{"word":"has","start":470.565,"end":470.885,"confidence":0.98828125,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.25662297010421753},{"word":"between","start":470.885,"end":471.205,"confidence":0.9941406,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.24482198059558868},{"word":"20","start":471.205,"end":471.525,"confidence":1.0,"punctuated_word":"20","sentiment":"neutral","sentiment_score":0.28462767601013184},{"word":"to","start":471.525,"end":471.685,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19766315817832947},{"word":"30","start":471.685,"end":471.925,"confidence":0.99902344,"punctuated_word":"30","sentiment":"neutral","sentiment_score":0.23799115419387817},{"word":"different","start":471.925,"end":472.325,"confidence":0.99902344,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.15758457779884338},{"word":"investments","start":472.325,"end":472.805,"confidence":0.97802734,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.10528393089771272},{"word":"at","start":472.805,"end":472.965,"confidence":0.7949219,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.25658300518989563},{"word":"any","start":472.965,"end":473.125,"confidence":0.984375,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.3238430321216583},{"word":"one","start":473.125,"end":473.365,"confidence":0.9970703,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.2690403461456299},{"word":"particular","start":473.365,"end":473.865,"confidence":1.0,"punctuated_word":"particular","sentiment":"neutral","sentiment_score":0.25499799847602844},{"word":"time","start":473.925,"end":474.425,"confidence":0.99609375,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.271039754152298},{"word":"moving","start":474.725,"end":475.045,"confidence":0.99902344,"punctuated_word":"moving","sentiment":"positive","sentiment_score":0.35294780135154724},{"word":"into","start":475.045,"end":475.205,"confidence":0.9667969,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.4312625527381897},{"word":"the","start":475.205,"end":475.445,"confidence":0.9770508,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3809409439563751},{"word":"a","start":475.445,"end":475.605,"confidence":0.9770508,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4490779638290405},{"word":"200","start":475.605,"end":476.165,"confidence":0.9921875,"punctuated_word":"200","sentiment":"positive","sentiment_score":0.39763474464416504},{"word":"gives","start":476.165,"end":476.405,"confidence":0.984375,"punctuated_word":"gives","sentiment":"positive","sentiment_score":0.3423209488391876},{"word":"you","start":476.405,"end":476.645,"confidence":0.9921875,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.422909677028656},{"word":"more","start":476.645,"end":476.885,"confidence":0.99902344,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.3981744050979614},{"word":"diversification","start":476.885,"end":477.385,"confidence":1.0,"punctuated_word":"diversification","sentiment":"positive","sentiment_score":0.47371065616607666},{"word":"in","start":477.765,"end":478.005,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.6065984964370728},{"word":"your","start":478.005,"end":478.245,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5513008832931519},{"word":"portfolio","start":478.245,"end":478.745,"confidence":0.8173828,"punctuated_word":"portfolio.","sentiment":"positive","sentiment_score":0.41149166226387024},{"word":"so","start":478.805,"end":478.965,"confidence":0.99902344,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.49374714493751526},{"word":"it's","start":478.965,"end":479.125,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.575941801071167},{"word":"helping","start":479.125,"end":479.525,"confidence":0.9970703,"punctuated_word":"helping","sentiment":"positive","sentiment_score":0.6415350437164307},{"word":"to","start":479.525,"end":479.685,"confidence":0.9902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6063578128814697},{"word":"lower","start":479.685,"end":480.005,"confidence":1.0,"punctuated_word":"lower","sentiment":"positive","sentiment_score":0.5776389837265015},{"word":"the","start":480.005,"end":480.165,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5622756481170654},{"word":"overall","start":480.165,"end":480.645,"confidence":0.99609375,"punctuated_word":"overall","sentiment":"positive","sentiment_score":0.45502305030822754},{"word":"risk","start":480.645,"end":481.145,"confidence":0.9807129,"punctuated_word":"risk.","sentiment":"positive","sentiment_score":0.42763251066207886},{"word":"we're","start":481.56,"end":481.80002,"confidence":0.99609375,"punctuated_word":"We're","sentiment":"positive","sentiment_score":0.6363773345947266},{"word":"diversifying","start":481.80002,"end":482.30002,"confidence":0.9995117,"punctuated_word":"diversifying","sentiment":"positive","sentiment_score":0.5941945314407349},{"word":"across","start":482.6,"end":483.0,"confidence":0.9760742,"punctuated_word":"across","sentiment":"positive","sentiment_score":0.6494540572166443},{"word":"more","start":483.0,"end":483.32,"confidence":0.9980469,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.5941893458366394},{"word":"australian","start":483.32,"end":483.82,"confidence":0.99609375,"punctuated_word":"Australian","sentiment":"positive","sentiment_score":0.5963906645774841},{"word":"equities","start":483.88,"end":484.36002,"confidence":0.984375,"punctuated_word":"equities","sentiment":"positive","sentiment_score":0.4724423289299011},{"word":"as","start":484.36002,"end":484.52002,"confidence":0.99902344,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.6835962533950806},{"word":"well","start":484.52002,"end":485.02002,"confidence":0.8815918,"punctuated_word":"well,","sentiment":"positive","sentiment_score":0.6166680455207825},{"word":"and","start":485.32,"end":485.4,"confidence":0.98535156,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6355740427970886},{"word":"it's","start":485.4,"end":485.64,"confidence":0.9970703,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.6536887884140015},{"word":"actually","start":485.64,"end":485.96002,"confidence":0.9970703,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.6345877647399902},{"word":"cheaper","start":485.96002,"end":486.44,"confidence":0.99902344,"punctuated_word":"cheaper.","sentiment":"positive","sentiment_score":0.5531295537948608},{"word":"it's","start":486.44,"end":486.6,"confidence":0.99902344,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.5543270111083984},{"word":"a","start":486.6,"end":486.76,"confidence":0.9951172,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.558129608631134},{"word":"passively","start":486.76,"end":487.24002,"confidence":0.97802734,"punctuated_word":"passively","sentiment":"positive","sentiment_score":0.6053506135940552},{"word":"managed","start":487.24002,"end":487.64,"confidence":0.98291016,"punctuated_word":"managed","sentiment":"positive","sentiment_score":0.6080107688903809},{"word":"fund","start":487.64,"end":488.14,"confidence":0.9343262,"punctuated_word":"fund,","sentiment":"positive","sentiment_score":0.5003135800361633},{"word":"and","start":488.2,"end":488.36002,"confidence":0.9941406,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5152594447135925},{"word":"it's","start":488.36002,"end":488.6,"confidence":0.9951172,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.5555039644241333},{"word":"actually","start":488.6,"end":488.84,"confidence":0.9980469,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.5484099984169006},{"word":"cheaper","start":488.84,"end":489.24002,"confidence":1.0,"punctuated_word":"cheaper","sentiment":"positive","sentiment_score":0.5603173971176147},{"word":"than","start":489.24002,"end":489.4,"confidence":0.9980469,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.474684476852417},{"word":"holding","start":489.4,"end":489.72,"confidence":0.99902344,"punctuated_word":"holding","sentiment":"positive","sentiment_score":0.38875147700309753},{"word":"benelon","start":489.72,"end":490.22,"confidence":0.38174438,"punctuated_word":"Benelon.","sentiment":"positive","sentiment_score":0.4638349115848541},{"word":"so","start":490.28,"end":490.44,"confidence":0.99902344,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5274091362953186},{"word":"it's","start":490.44,"end":490.68,"confidence":1.0,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.5946032404899597},{"word":"gonna","start":490.68,"end":490.92,"confidence":0.9970703,"punctuated_word":"gonna","sentiment":"positive","sentiment_score":0.5879085063934326},{"word":"help","start":490.92,"end":491.16,"confidence":0.99902344,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.6175901293754578},{"word":"in","start":491.16,"end":491.4,"confidence":0.9394531,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.6515361666679382},{"word":"reducing","start":491.4,"end":491.88,"confidence":1.0,"punctuated_word":"reducing","sentiment":"positive","sentiment_score":0.574892520904541},{"word":"your","start":491.88,"end":492.04,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5856533050537109},{"word":"investment","start":492.04,"end":492.54,"confidence":0.99902344,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.2398342937231064},{"word":"costs","start":492.68,"end":493.08002,"confidence":0.6958008,"punctuated_word":"costs","sentiment":"positive","sentiment_score":0.5228555798530579},{"word":"as","start":493.08002,"end":493.24002,"confidence":0.99902344,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.6232375502586365},{"word":"well","start":493.24002,"end":493.56,"confidence":1.0,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.5550415515899658},{"word":"in","start":493.56,"end":493.72,"confidence":0.9970703,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5501503348350525},{"word":"your","start":493.72,"end":493.96002,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.29336631298065186},{"word":"in","start":493.96002,"end":494.12,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.21150881052017212},{"word":"your","start":494.12,"end":494.36002,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10448186099529266},{"word":"fund","start":494.36002,"end":494.86002,"confidence":0.8835449,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.16225866973400116},{"word":"yeah","start":495.145,"end":495.645,"confidence":0.8894043,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12329916656017303},{"word":"i","start":496.905,"end":497.06497,"confidence":0.68408203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11732469499111176},{"word":"did","start":497.06497,"end":497.305,"confidence":0.9970703,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.12101586908102036},{"word":"look","start":497.305,"end":497.625,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.0922074243426323},{"word":"at","start":497.625,"end":497.78497,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09530723839998244},{"word":"all","start":497.78497,"end":497.94498,"confidence":0.9614258,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.0957999974489212},{"word":"the","start":497.94498,"end":498.10498,"confidence":0.9194336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08243066072463989},{"word":"super","start":498.10498,"end":498.34497,"confidence":0.45239258,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.14814713597297668},{"word":"funds","start":498.34497,"end":498.745,"confidence":0.74243164,"punctuated_word":"funds.","sentiment":"neutral","sentiment_score":0.10768936574459076},{"word":"netwealth","start":498.745,"end":499.22498,"confidence":0.92529297,"punctuated_word":"Netwealth","sentiment":"neutral","sentiment_score":0.12646910548210144},{"word":"is","start":499.22498,"end":499.38498,"confidence":0.9790039,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11873070895671844},{"word":"still","start":499.38498,"end":499.625,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.11869101971387865},{"word":"really","start":499.625,"end":499.865,"confidence":0.9633789,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.15357747673988342},{"word":"important","start":499.865,"end":500.26498,"confidence":1.0,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.1120852753520012},{"word":"to","start":500.26498,"end":500.425,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17103642225265503},{"word":"retain","start":500.425,"end":500.745,"confidence":0.98535156,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.16134220361709595},{"word":"for","start":500.745,"end":500.985,"confidence":0.7783203,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17157012224197388},{"word":"the","start":500.985,"end":501.06497,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24539779126644137},{"word":"both","start":501.06497,"end":501.305,"confidence":0.98535156,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.2362554371356964},{"word":"of","start":501.305,"end":501.465,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20111817121505737},{"word":"you","start":501.465,"end":501.625,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18624919652938843},{"word":"for","start":501.625,"end":501.865,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14220131933689115},{"word":"the","start":501.865,"end":502.025,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1636246144771576},{"word":"time","start":502.025,"end":502.26498,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.1290760040283203},{"word":"being","start":502.26498,"end":502.76498,"confidence":0.99609375,"punctuated_word":"being.","sentiment":"neutral","sentiment_score":0.09494271874427795},{"word":"i","start":503.06497,"end":503.22498,"confidence":0.9819336,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04128137975931168},{"word":"did","start":503.22498,"end":503.54498,"confidence":0.9863281,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.007034085690975189},{"word":"i","start":503.625,"end":503.78497,"confidence":0.99121094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.015884138643741608},{"word":"do","start":503.78497,"end":503.94498,"confidence":0.94628906,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.02327153831720352},{"word":"look","start":503.94498,"end":504.10498,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.03404809534549713},{"word":"at","start":504.10498,"end":504.26498,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06983046978712082},{"word":"the","start":504.26498,"end":504.745,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09969063848257063},{"word":"tax","start":504.745,"end":505.22498,"confidence":0.8510742,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.017320066690444946},{"word":"consequences","start":505.22498,"end":505.72498,"confidence":0.99902344,"punctuated_word":"consequences","sentiment":"neutral","sentiment_score":-0.10282900929450987},{"word":"of","start":505.865,"end":506.025,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.058036379516124725},{"word":"moving","start":506.025,"end":506.34497,"confidence":1.0,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":-0.0804351270198822},{"word":"out","start":506.34497,"end":506.66498,"confidence":0.83984375,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.0321001298725605},{"word":"netwealth","start":506.66498,"end":507.145,"confidence":0.9909668,"punctuated_word":"Netwealth","sentiment":"neutral","sentiment_score":0.2846944332122803},{"word":"is","start":507.145,"end":507.305,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4163638949394226},{"word":"still","start":507.305,"end":507.54498,"confidence":1.0,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.3703227639198303},{"word":"a","start":507.54498,"end":507.625,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5237115025520325},{"word":"great","start":507.625,"end":507.865,"confidence":1.0,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.5296475887298584},{"word":"platform","start":507.865,"end":508.365,"confidence":0.99853516,"punctuated_word":"platform.","sentiment":"positive","sentiment_score":0.435109943151474},{"word":"there's","start":508.72998,"end":508.97,"confidence":0.99853516,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.11584429442882538},{"word":"no","start":508.97,"end":509.13,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.01838463544845581},{"word":"real","start":509.13,"end":509.53,"confidence":0.9873047,"punctuated_word":"real","sentiment":"neutral","sentiment_score":-0.05125853419303894},{"word":"changes","start":509.53,"end":509.85,"confidence":0.9941406,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.12446320056915285},{"word":"in","start":509.85,"end":510.00998,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.13990360498428345},{"word":"the","start":510.00998,"end":510.16998,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05997543781995773},{"word":"platform","start":510.16998,"end":510.57,"confidence":1.0,"punctuated_word":"platform","sentiment":"neutral","sentiment_score":0.08554793149232864},{"word":"that","start":510.57,"end":510.97,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08484205603599548},{"word":"require","start":510.97,"end":511.37,"confidence":0.9980469,"punctuated_word":"require","sentiment":"neutral","sentiment_score":-0.03171093761920929},{"word":"us","start":511.37,"end":511.61,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.01181921362876892},{"word":"to","start":511.61,"end":511.69,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.01604779064655304},{"word":"move","start":511.69,"end":511.93,"confidence":0.99902344,"punctuated_word":"move","sentiment":"neutral","sentiment_score":-0.04539331793785095},{"word":"you","start":511.93,"end":512.08997,"confidence":0.98291016,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.009317107498645782},{"word":"out","start":512.08997,"end":512.33,"confidence":0.9790039,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.007869154214859009},{"word":"at","start":512.33,"end":512.49,"confidence":0.83740234,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0016184598207473757},{"word":"the","start":512.49,"end":512.65,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11363550275564194},{"word":"moment","start":512.65,"end":513.05,"confidence":0.8491211,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.08572764694690704},{"word":"so","start":513.05,"end":513.21,"confidence":0.984375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.08030056208372116},{"word":"i'm","start":513.21,"end":513.37,"confidence":0.9980469,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.10786502808332445},{"word":"retaining","start":513.37,"end":513.87,"confidence":0.99121094,"punctuated_word":"retaining","sentiment":"neutral","sentiment_score":0.09839819371700288},{"word":"netwealth","start":513.93,"end":514.43,"confidence":0.95182294,"punctuated_word":"Netwealth.","sentiment":"neutral","sentiment_score":0.1160144954919815},{"word":"the","start":515.93,"end":516.08997,"confidence":0.7783203,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.1059863269329071},{"word":"other","start":516.08997,"end":516.49,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.07154454290866852},{"word":"investments","start":516.49,"end":516.99,"confidence":0.9470215,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.05189398676156998},{"word":"gold","start":517.13,"end":517.45,"confidence":0.94628906,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.11688487231731416},{"word":"has","start":517.45,"end":517.69,"confidence":0.9921875,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.1683131605386734},{"word":"performed","start":517.69,"end":518.19,"confidence":0.9970703,"punctuated_word":"performed","sentiment":"neutral","sentiment_score":0.1492195576429367},{"word":"really","start":518.33,"end":518.65,"confidence":0.9616699,"punctuated_word":"really,","sentiment":"neutral","sentiment_score":0.18786734342575073},{"word":"really","start":518.65,"end":518.89,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.20350539684295657},{"word":"well","start":518.89,"end":519.21,"confidence":0.9008789,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.17512674629688263},{"word":"so","start":519.21,"end":519.37,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1111898273229599},{"word":"we","start":519.37,"end":519.61,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11800265312194824},{"word":"are","start":519.61,"end":519.77,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.11266350746154784},{"word":"keeping","start":519.77,"end":520.27,"confidence":0.9970703,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.12948495149612427},{"word":"gold","start":520.33,"end":520.83,"confidence":0.9304199,"punctuated_word":"gold,","sentiment":"neutral","sentiment_score":0.05659285187721253},{"word":"but","start":521.465,"end":521.78503,"confidence":0.9428711,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.034676119685173035},{"word":"we","start":521.78503,"end":522.025,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.008376210927963257},{"word":"are","start":522.025,"end":522.265,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.027503877878189087},{"word":"just","start":522.265,"end":522.585,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.01566973328590393},{"word":"rebalancing","start":522.585,"end":523.085,"confidence":0.9977214,"punctuated_word":"rebalancing","sentiment":"neutral","sentiment_score":-0.05220247805118561},{"word":"a","start":523.22504,"end":523.30505,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01279451698064804},{"word":"little","start":523.30505,"end":523.465,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.001057341694831848},{"word":"bit","start":523.465,"end":523.705,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.04534846544265747},{"word":"for","start":523.705,"end":523.86505,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.006144776940345764},{"word":"you","start":523.86505,"end":523.945,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08369188755750656},{"word":"there","start":523.945,"end":524.18506,"confidence":0.9951172,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.1028253585100174},{"word":"peter","start":524.18506,"end":524.66504,"confidence":0.95410156,"punctuated_word":"Peter.","sentiment":"neutral","sentiment_score":0.05605137720704079},{"word":"so","start":524.66504,"end":524.905,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03818994015455246},{"word":"you","start":524.905,"end":524.98505,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.022659890353679657},{"word":"have","start":524.98505,"end":525.22504,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.018901832401752472},{"word":"about","start":525.22504,"end":525.54504,"confidence":0.9770508,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.04005236178636551},{"word":"7.58%","start":525.54504,"end":527.145,"confidence":0.9986328,"punctuated_word":"7.58%","sentiment":"neutral","sentiment_score":0.06479237973690033},{"word":"now","start":527.145,"end":527.465,"confidence":0.9538574,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.024209536612033844},{"word":"i'm","start":527.465,"end":527.705,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.037521496415138245},{"word":"gonna","start":527.705,"end":528.025,"confidence":0.9941406,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.042289383709430695},{"word":"sell","start":528.025,"end":528.34503,"confidence":0.8154297,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.17201417684555054},{"word":"down","start":528.34503,"end":528.585,"confidence":0.9892578,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.04179178178310394},{"word":"a","start":528.585,"end":528.66504,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.026387542486190796},{"word":"little","start":528.66504,"end":528.905,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.05761520564556122},{"word":"bit","start":528.905,"end":529.145,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.08218418061733246},{"word":"just","start":529.145,"end":529.30505,"confidence":0.79248047,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.021307699382305145},{"word":"to","start":529.30505,"end":529.465,"confidence":0.9223633,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03766486793756485},{"word":"7%","start":529.465,"end":530.28503,"confidence":0.9682617,"punctuated_word":"7%.","sentiment":"neutral","sentiment_score":0.06026706099510193},{"word":"we're","start":530.66504,"end":530.905,"confidence":0.9243164,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.13290156424045563},{"word":"just","start":530.905,"end":531.405,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2205902934074402},{"word":"cementing","start":531.465,"end":531.965,"confidence":0.98535156,"punctuated_word":"cementing","sentiment":"neutral","sentiment_score":0.2495727390050888},{"word":"some","start":532.025,"end":532.18506,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.3311459422111511},{"word":"of","start":532.18506,"end":532.34503,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3794337809085846},{"word":"the","start":532.34503,"end":532.505,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4035566449165344},{"word":"gains","start":532.505,"end":532.825,"confidence":0.9267578,"punctuated_word":"gains","sentiment":"positive","sentiment_score":0.4435695707798004},{"word":"that's","start":532.825,"end":533.065,"confidence":0.9501953,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.4092806279659271},{"word":"received","start":533.065,"end":533.54504,"confidence":0.9902344,"punctuated_word":"received","sentiment":"positive","sentiment_score":0.3876245319843292},{"word":"and","start":533.54504,"end":533.78503,"confidence":0.95410156,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3582726716995239},{"word":"making","start":533.78503,"end":534.10504,"confidence":1.0,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.3714819252490998},{"word":"sure","start":534.10504,"end":534.34503,"confidence":1.0,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.3594927489757538},{"word":"we","start":534.34503,"end":534.505,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.26040536165237427},{"word":"distribute","start":534.505,"end":534.98505,"confidence":0.9951172,"punctuated_word":"distribute","sentiment":"positive","sentiment_score":0.3651325404644013},{"word":"those","start":534.98505,"end":535.385,"confidence":1.0,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.3820156753063202},{"word":"elsewhere","start":535.385,"end":535.885,"confidence":0.8156738,"punctuated_word":"elsewhere,","sentiment":"neutral","sentiment_score":0.31062233448028564},{"word":"keeping","start":536.025,"end":536.525,"confidence":0.95410156,"punctuated_word":"keeping,","sentiment":"positive","sentiment_score":0.3448156714439392},{"word":"you","start":536.58,"end":536.74,"confidence":0.98291016,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.31468966603279114},{"word":"know","start":536.74,"end":536.98004,"confidence":0.7919922,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.31094086170196533},{"word":"rebalancing","start":536.98004,"end":537.48004,"confidence":0.99332684,"punctuated_word":"rebalancing","sentiment":"positive","sentiment_score":0.3428903818130493},{"word":"your","start":537.7,"end":537.86005,"confidence":0.9921875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.31318068504333496},{"word":"portfolio","start":537.86005,"end":538.36005,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.17655976116657257},{"word":"as","start":538.42004,"end":538.58,"confidence":0.9770508,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4105340540409088},{"word":"well","start":538.58,"end":538.82,"confidence":1.0,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.43651318550109863},{"word":"is","start":538.82,"end":538.98004,"confidence":0.8520508,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3638004660606384},{"word":"really","start":538.98004,"end":539.22003,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.36276233196258545},{"word":"important","start":539.22003,"end":539.72003,"confidence":1.0,"punctuated_word":"important.","sentiment":"neutral","sentiment_score":0.2834063172340393},{"word":"the","start":541.3,"end":541.54004,"confidence":0.80322266,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.12696237862110138},{"word":"betashares","start":541.54004,"end":542.04004,"confidence":0.6682129,"punctuated_word":"BetaShares","sentiment":"neutral","sentiment_score":0.1330338418483734},{"word":"cybersecurity","start":542.34,"end":542.84,"confidence":0.8071289,"punctuated_word":"cybersecurity,","sentiment":"neutral","sentiment_score":0.10084005445241928},{"word":"we're","start":543.14,"end":543.38,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.13137666881084442},{"word":"gonna","start":543.38,"end":543.62,"confidence":0.9921875,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.13306863605976105},{"word":"buy","start":543.62,"end":543.86005,"confidence":0.99902344,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.09552419930696487},{"word":"a","start":543.86005,"end":543.94,"confidence":0.9760742,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13472697138786316},{"word":"bit","start":543.94,"end":544.10004,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1208076998591423},{"word":"more","start":544.10004,"end":544.34,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.12438087910413742},{"word":"of","start":544.34,"end":544.42004,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10787568241357803},{"word":"that","start":544.42004,"end":544.58,"confidence":0.99658203,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.0832834392786026},{"word":"you've","start":544.58,"end":544.82,"confidence":0.9951172,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.07388778030872345},{"word":"got","start":544.82,"end":545.14,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0574687197804451},{"word":"5.51","start":545.14,"end":546.10004,"confidence":0.9498291,"punctuated_word":"5.51","sentiment":"neutral","sentiment_score":0.0768720954656601},{"word":"now","start":546.10004,"end":546.26,"confidence":0.9082031,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.024675821885466576},{"word":"just","start":546.26,"end":546.58,"confidence":0.4038086,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.0438629686832428},{"word":"need","start":546.58,"end":546.74,"confidence":0.9506836,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.04548785090446472},{"word":"to","start":546.74,"end":546.9,"confidence":0.8076172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.008369594812393188},{"word":"rebalance","start":546.9,"end":547.4,"confidence":0.9617513,"punctuated_word":"rebalance","sentiment":"neutral","sentiment_score":-0.006293740123510361},{"word":"up","start":547.54004,"end":547.7,"confidence":0.79248047,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.031538017094135284},{"word":"to","start":547.7,"end":547.86005,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.035611480474472046},{"word":"6%","start":547.86005,"end":548.58,"confidence":0.9995117,"punctuated_word":"6%","sentiment":"neutral","sentiment_score":0.11824165284633636},{"word":"for","start":548.58,"end":548.82,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0746227577328682},{"word":"you","start":548.82,"end":549.32,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.11632978916168212},{"word":"the","start":549.84503,"end":550.085,"confidence":1.0,"punctuated_word":"The","sentiment":"positive","sentiment_score":0.44263193011283875},{"word":"ishares","start":550.085,"end":550.585,"confidence":0.9785156,"punctuated_word":"iShares","sentiment":"positive","sentiment_score":0.6332381963729858},{"word":"europe","start":551.205,"end":551.685,"confidence":0.98291016,"punctuated_word":"Europe","sentiment":"positive","sentiment_score":0.6269629597663879},{"word":"is","start":551.685,"end":551.92505,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6682221293449402},{"word":"still","start":551.92505,"end":552.04504,"confidence":1.0,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.7222364544868469},{"word":"a","start":552.04504,"end":552.16504,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.780112087726593},{"word":"great","start":552.16504,"end":552.405,"confidence":1.0,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.8234081864356995},{"word":"place","start":552.405,"end":552.72504,"confidence":0.99902344,"punctuated_word":"place","sentiment":"positive","sentiment_score":0.7209080457687378},{"word":"to","start":552.72504,"end":552.80505,"confidence":0.9482422,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.731034517288208},{"word":"be","start":552.80505,"end":553.04504,"confidence":0.9941406,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.7042803168296814},{"word":"giving","start":553.04504,"end":553.28503,"confidence":0.5029297,"punctuated_word":"giving","sentiment":"positive","sentiment_score":0.6569080352783203},{"word":"you","start":553.28503,"end":553.445,"confidence":0.9941406,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7299339771270752},{"word":"diversification","start":553.445,"end":553.945,"confidence":0.9951172,"punctuated_word":"diversification","sentiment":"positive","sentiment_score":0.6528605222702026},{"word":"across","start":554.405,"end":554.80505,"confidence":1.0,"punctuated_word":"across","sentiment":"positive","sentiment_score":0.5035255551338196},{"word":"the","start":554.80505,"end":555.04504,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5249231457710266},{"word":"entire","start":555.04504,"end":555.54504,"confidence":0.99902344,"punctuated_word":"entire","sentiment":"positive","sentiment_score":0.38518837094306946},{"word":"european","start":555.60504,"end":556.10504,"confidence":0.96435547,"punctuated_word":"European","sentiment":"positive","sentiment_score":0.5056329369544983},{"word":"all","start":556.80505,"end":557.04504,"confidence":0.984375,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.35890233516693115},{"word":"the","start":557.04504,"end":557.125,"confidence":0.98535156,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.45350381731987},{"word":"european","start":557.125,"end":557.625,"confidence":0.99902344,"punctuated_word":"European","sentiment":"positive","sentiment_score":0.5132212042808533},{"word":"countries","start":557.685,"end":558.005,"confidence":0.99609375,"punctuated_word":"countries","sentiment":"positive","sentiment_score":0.5081196427345276},{"word":"there","start":558.005,"end":558.245,"confidence":0.8586426,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.5149341821670532},{"word":"there's","start":558.245,"end":558.405,"confidence":0.81469727,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.22308212518692017},{"word":"about","start":558.405,"end":558.72504,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.18603385984897616},{"word":"16","start":558.72504,"end":559.125,"confidence":0.97314453,"punctuated_word":"16","sentiment":"neutral","sentiment_score":0.17324203252792358},{"word":"of","start":559.125,"end":559.28503,"confidence":0.984375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09801967442035676},{"word":"them","start":559.28503,"end":559.445,"confidence":0.9675293,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":0.09219922125339508},{"word":"i","start":559.445,"end":559.60504,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12377605587244034},{"word":"believe","start":559.60504,"end":560.10504,"confidence":0.9995117,"punctuated_word":"believe.","sentiment":"neutral","sentiment_score":0.12430376559495926},{"word":"you're","start":560.72504,"end":561.04504,"confidence":0.8952637,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.02104426920413971},{"word":"underweighted","start":561.04504,"end":561.54504,"confidence":0.87190753,"punctuated_word":"underweighted","sentiment":"neutral","sentiment_score":0.0000899825245141983},{"word":"there","start":561.685,"end":561.84503,"confidence":0.9116211,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.02072993293404579},{"word":"so","start":561.84503,"end":562.005,"confidence":0.99121094,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.03967227786779404},{"word":"that's","start":562.005,"end":562.245,"confidence":0.81933594,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.07896825671195984},{"word":"gonna","start":562.245,"end":562.565,"confidence":0.9741211,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.12006215751171112},{"word":"increase","start":562.565,"end":563.04504,"confidence":0.9941406,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.16550925374031067},{"word":"that","start":563.04504,"end":563.28503,"confidence":0.95410156,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.205628901720047},{"word":"to","start":563.28503,"end":563.445,"confidence":0.984375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16094504296779633},{"word":"9%","start":563.445,"end":564.16504,"confidence":0.9995117,"punctuated_word":"9%","sentiment":"neutral","sentiment_score":0.18500608205795288},{"word":"for","start":564.16504,"end":564.405,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13504067063331604},{"word":"you","start":564.405,"end":564.905,"confidence":0.9995117,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.1169699877500534},{"word":"we've","start":565.55,"end":565.95,"confidence":0.9716797,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.0359993614256382},{"word":"also","start":565.95,"end":566.35,"confidence":0.9970703,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.04920819401741028},{"word":"got","start":566.35,"end":566.58997,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.0015497170388698578},{"word":"here","start":566.58997,"end":566.91,"confidence":0.9375,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.003750331699848175},{"word":"the","start":566.91,"end":567.41,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02387068048119545},{"word":"the","start":567.55,"end":567.70996,"confidence":0.93408203,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03233639895915985},{"word":"misky","start":567.70996,"end":568.20996,"confidence":0.5131836,"punctuated_word":"Misky","sentiment":"neutral","sentiment_score":-0.02100181207060814},{"word":"europe","start":568.43,"end":568.67,"confidence":0.94140625,"punctuated_word":"Europe","sentiment":"neutral","sentiment_score":0.005132131278514862},{"word":"one","start":568.67,"end":568.99,"confidence":0.98217773,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.044221822172403336},{"word":"we're","start":568.99,"end":569.07,"confidence":1.0,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.08629187941551208},{"word":"gonna","start":569.07,"end":569.31,"confidence":0.99609375,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.08133330196142197},{"word":"get","start":569.31,"end":569.47,"confidence":0.9970703,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.08300117403268814},{"word":"rid","start":569.47,"end":569.70996,"confidence":1.0,"punctuated_word":"rid","sentiment":"neutral","sentiment_score":-0.05863067880272865},{"word":"of","start":569.70996,"end":569.79,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07751712203025818},{"word":"that","start":569.79,"end":570.11,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0492335706949234},{"word":"completely","start":570.11,"end":570.61,"confidence":0.98950195,"punctuated_word":"completely.","sentiment":"neutral","sentiment_score":0.01641852781176567},{"word":"yep","start":570.91,"end":571.23,"confidence":0.7841797,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03318687528371811},{"word":"we're","start":571.23,"end":571.39,"confidence":0.99902344,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.002796761691570282},{"word":"gonna","start":571.39,"end":571.70996,"confidence":0.9980469,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.0235007181763649},{"word":"sell","start":571.70996,"end":572.02997,"confidence":0.9863281,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.031978003680706024},{"word":"all","start":572.02997,"end":572.27,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.001486070454120636},{"word":"of","start":572.27,"end":572.35,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0027214735746383667},{"word":"that","start":572.35,"end":572.58997,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.00043708086013793945},{"word":"down","start":572.58997,"end":572.91,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.03367369994521141},{"word":"to","start":572.91,"end":573.07,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03021663054823875},{"word":"zero","start":573.07,"end":573.57,"confidence":0.8095703,"punctuated_word":"zero.","sentiment":"neutral","sentiment_score":0.00042588822543621063},{"word":"and","start":574.11,"end":574.27,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.02134641632437706},{"word":"then","start":574.27,"end":574.77,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.02109091356396675},{"word":"the","start":574.83,"end":575.07,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.006371438503265381},{"word":"japanese","start":575.07,"end":575.57,"confidence":0.87353516,"punctuated_word":"Japanese","sentiment":"neutral","sentiment_score":0.013432260602712631},{"word":"one","start":575.70996,"end":575.87,"confidence":0.96899414,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.0007241908460855484},{"word":"we're","start":575.87,"end":576.11,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.016960643231868744},{"word":"going","start":576.11,"end":576.43,"confidence":0.96435547,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.023646734654903412},{"word":"to","start":576.43,"end":576.58997,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.036503758281469345},{"word":"just","start":576.58997,"end":576.83,"confidence":0.7163086,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03878263011574745},{"word":"sell","start":576.83,"end":576.99,"confidence":0.99609375,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.0013399310410022736},{"word":"a","start":576.99,"end":577.14996,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03914535045623779},{"word":"bit","start":577.14996,"end":577.31,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.03229383006691933},{"word":"down","start":577.31,"end":577.55,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.07591674476861954},{"word":"to","start":577.55,"end":577.70996,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.055855389684438705},{"word":"bring","start":577.70996,"end":577.95,"confidence":0.9980469,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":0.05662546679377556},{"word":"you","start":577.95,"end":578.11,"confidence":0.8378906,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06629137694835663},{"word":"back","start":578.11,"end":578.35,"confidence":0.984375,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.05386355519294739},{"word":"to","start":578.35,"end":578.51,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.060032736510038376},{"word":"5%","start":578.51,"end":579.11505,"confidence":0.9995117,"punctuated_word":"5%","sentiment":"neutral","sentiment_score":0.06823956966400146},{"word":"there","start":579.11505,"end":579.515,"confidence":0.8720703,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.07413318753242493},{"word":"japan","start":579.515,"end":579.91504,"confidence":0.9970703,"punctuated_word":"Japan","sentiment":"neutral","sentiment_score":0.14509016275405884},{"word":"is","start":579.91504,"end":580.155,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11794421821832655},{"word":"still","start":580.155,"end":580.395,"confidence":0.9951172,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.144403338432312},{"word":"really","start":580.395,"end":580.715,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.14192795753479004},{"word":"important","start":580.715,"end":581.11505,"confidence":0.9604492,"punctuated_word":"important.","sentiment":"neutral","sentiment_score":0.10821714252233504},{"word":"it's","start":581.11505,"end":581.35504,"confidence":0.9970703,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.3873791694641114},{"word":"been","start":581.35504,"end":581.67505,"confidence":0.6582031,"punctuated_word":"been","sentiment":"positive","sentiment_score":0.4274830222129822},{"word":"really","start":581.67505,"end":581.99506,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.4094610810279846},{"word":"great","start":581.99506,"end":582.49506,"confidence":0.99902344,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.43228957056999207},{"word":"yeah","start":582.715,"end":583.215,"confidence":0.9421387,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01266869530081749},{"word":"yeah","start":586.23505,"end":586.73505,"confidence":0.7208252,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06076874956488609},{"word":"so","start":586.875,"end":587.195,"confidence":0.95166016,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03811749070882797},{"word":"that","start":587.195,"end":587.695,"confidence":0.95703125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02832808904349804},{"word":"yeah","start":588.79504,"end":589.03503,"confidence":0.98339844,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.01077127642929554},{"word":"well","start":589.03503,"end":589.515,"confidence":0.8491211,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.04868832230567932},{"word":"these","start":589.515,"end":589.755,"confidence":0.7792969,"punctuated_word":"these","sentiment":"neutral","sentiment_score":-0.1061347723007202},{"word":"haven't","start":589.755,"end":590.075,"confidence":0.99853516,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.09631995111703873},{"word":"been","start":590.075,"end":590.315,"confidence":0.9892578,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.12403585761785509},{"word":"sold","start":590.315,"end":590.635,"confidence":0.9892578,"punctuated_word":"sold","sentiment":"neutral","sentiment_score":-0.15076929330825806},{"word":"yet","start":590.635,"end":590.955,"confidence":0.9914551,"punctuated_word":"yet.","sentiment":"neutral","sentiment_score":-0.13655728101730347},{"word":"this","start":590.955,"end":591.11505,"confidence":1.0,"punctuated_word":"This","sentiment":"neutral","sentiment_score":-0.09202824532985689},{"word":"is","start":591.11505,"end":591.195,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.05370300263166427},{"word":"what","start":591.195,"end":591.435,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.05350373685359955},{"word":"we're","start":591.435,"end":591.67505,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.016509484499692917},{"word":"going","start":591.67505,"end":591.99506,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.0007000863552093506},{"word":"to","start":591.99506,"end":592.155,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.005487464368343353},{"word":"do","start":592.155,"end":592.315,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.010286372154951096},{"word":"if","start":592.315,"end":592.55505,"confidence":0.9921875,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.013565994799137115},{"word":"you","start":592.55505,"end":592.715,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.009657338261604307},{"word":"sign","start":592.715,"end":593.03503,"confidence":0.9404297,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":-0.014534004032611849},{"word":"the","start":593.03503,"end":593.195,"confidence":0.9526367,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01945902034640312},{"word":"advice","start":593.195,"end":593.695,"confidence":0.8630371,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":-0.03763329237699509},{"word":"so","start":593.755,"end":594.21,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.02352222427725792},{"word":"we","start":594.29004,"end":594.53,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.03167843446135521},{"word":"haven't","start":594.53,"end":594.77,"confidence":1.0,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.018241219222545624},{"word":"quite","start":594.77,"end":595.27,"confidence":1.0,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.028890643268823624},{"word":"done","start":595.33,"end":595.65,"confidence":0.99902344,"punctuated_word":"done","sentiment":"neutral","sentiment_score":-0.046885475516319275},{"word":"that","start":595.65,"end":595.81,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02331393212080002},{"word":"as","start":595.81,"end":596.05005,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.041076675057411194},{"word":"of","start":596.05005,"end":596.21,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.047156643122434616},{"word":"yet","start":596.21,"end":596.61005,"confidence":0.92456055,"punctuated_word":"yet.","sentiment":"neutral","sentiment_score":-0.037624508142471313},{"word":"yeah","start":596.61005,"end":597.09,"confidence":0.99609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.027714215219020844},{"word":"i","start":597.09,"end":597.57,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.005881600081920624},{"word":"i","start":597.57,"end":597.81,"confidence":0.47973633,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.011715233325958252},{"word":"promise","start":597.81,"end":598.21,"confidence":0.9838867,"punctuated_word":"promise","sentiment":"neutral","sentiment_score":0.03167381137609482},{"word":"never","start":598.21,"end":598.45,"confidence":0.984375,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.03237325698137283},{"word":"to","start":598.45,"end":598.53,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.058949343860149384},{"word":"sell","start":598.53,"end":598.85004,"confidence":0.99609375,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.10006390511989594},{"word":"anything","start":598.85004,"end":599.17004,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.03376413881778717},{"word":"until","start":599.17004,"end":599.57,"confidence":0.99902344,"punctuated_word":"until","sentiment":"neutral","sentiment_score":-0.01574406772851944},{"word":"you","start":599.57,"end":599.73004,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.006006255745887756},{"word":"tell","start":599.73004,"end":599.89,"confidence":0.9921875,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":-0.011271379888057709},{"word":"me","start":599.89,"end":600.05005,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.007841095328330994},{"word":"it's","start":600.05005,"end":600.21,"confidence":0.9980469,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.014513371512293816},{"word":"okay","start":600.21,"end":600.61005,"confidence":1.0,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.004724852740764618},{"word":"to","start":600.61005,"end":600.77,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0024942606687545776},{"word":"do","start":600.77,"end":601.01,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.030545003712177277},{"word":"so","start":601.01,"end":601.51,"confidence":0.98950195,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":-0.01781504973769188},{"word":"yeah","start":608.14496,"end":608.64496,"confidence":0.9667969,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.017110677435994148},{"word":"no","start":608.70496,"end":608.94495,"confidence":0.99365234,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.056409381330013275},{"word":"no","start":608.94495,"end":609.26495,"confidence":0.99194336,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05505135655403137},{"word":"we","start":609.26495,"end":609.425,"confidence":0.95703125,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.05687602609395981},{"word":"needed","start":609.425,"end":609.745,"confidence":0.88964844,"punctuated_word":"needed","sentiment":"neutral","sentiment_score":-0.0572127029299736},{"word":"to","start":609.745,"end":609.82495,"confidence":0.9506836,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.023667387664318085},{"word":"make","start":609.82495,"end":610.065,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.00037651509046554565},{"word":"some","start":610.065,"end":610.305,"confidence":0.9970703,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.003114081919193268},{"word":"changes","start":610.305,"end":610.805,"confidence":0.9291992,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":0.01814596727490425},{"word":"and","start":610.865,"end":611.105,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03756767511367798},{"word":"i","start":611.105,"end":611.26495,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07132311165332794},{"word":"wanted","start":611.26495,"end":611.58496,"confidence":0.74853516,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.0783967524766922},{"word":"to","start":611.58496,"end":611.665,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11688210815191268},{"word":"make","start":611.665,"end":611.82495,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.0652102530002594},{"word":"sure","start":611.82495,"end":612.065,"confidence":0.99902344,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.07217861711978912},{"word":"this","start":612.065,"end":612.305,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.05725966393947601},{"word":"happened","start":612.305,"end":612.70496,"confidence":0.7294922,"punctuated_word":"happened","sentiment":"neutral","sentiment_score":0.06862756609916687},{"word":"for","start":612.70496,"end":612.865,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06698770821094513},{"word":"you","start":612.865,"end":613.105,"confidence":0.9941406,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.0367119126021862},{"word":"so","start":613.105,"end":613.26495,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04456212371587753},{"word":"when","start":613.26495,"end":613.425,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.015140511095523834},{"word":"we","start":613.425,"end":613.58496,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03740444779396057},{"word":"came","start":613.58496,"end":613.82495,"confidence":0.99902344,"punctuated_word":"came","sentiment":"neutral","sentiment_score":0.055502429604530334},{"word":"back","start":613.82495,"end":614.065,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.06392860412597656},{"word":"and","start":614.065,"end":614.225,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03944648057222366},{"word":"saw","start":614.225,"end":614.46497,"confidence":0.99609375,"punctuated_word":"saw","sentiment":"neutral","sentiment_score":0.015740491449832916},{"word":"what","start":614.46497,"end":614.625,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.004991248250007629},{"word":"was","start":614.625,"end":614.865,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.014594420790672302},{"word":"going","start":614.865,"end":615.105,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.016138412058353424},{"word":"on","start":615.105,"end":615.605,"confidence":0.9970703,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":0.028215907514095303},{"word":"i","start":615.985,"end":616.14496,"confidence":0.96972656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07982548326253891},{"word":"wanted","start":616.14496,"end":616.38495,"confidence":1.0,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.07837671041488647},{"word":"to","start":616.38495,"end":616.46497,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07248025387525558},{"word":"make","start":616.46497,"end":616.625,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.0548042356967926},{"word":"sure","start":616.625,"end":616.865,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.0588100366294384},{"word":"we","start":616.865,"end":617.02496,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08725089579820633},{"word":"updated","start":617.02496,"end":617.505,"confidence":0.9970703,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.0726180151104927},{"word":"this","start":617.505,"end":617.665,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.09264914691448212},{"word":"advice","start":617.665,"end":618.14496,"confidence":0.97265625,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.08869737386703491},{"word":"for","start":618.14496,"end":618.38495,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.050417304039001465},{"word":"you","start":618.38495,"end":618.88495,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05873928964138031},{"word":"and","start":619.41,"end":619.49,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07452017813920975},{"word":"show","start":619.49,"end":619.81,"confidence":0.9086914,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.05614714324474335},{"word":"you","start":619.81,"end":619.97,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13214196264743805},{"word":"what","start":619.97,"end":620.13,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.10182234644889832},{"word":"you","start":620.29,"end":620.37,"confidence":0.9892578,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06651800125837326},{"word":"know","start":620.37,"end":620.61,"confidence":0.97680664,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.11432254314422607},{"word":"make","start":620.61,"end":620.77,"confidence":0.9941406,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.13932424783706665},{"word":"sure","start":620.77,"end":620.93,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.12401685863733292},{"word":"that","start":620.93,"end":621.08997,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12034466862678528},{"word":"things","start":621.08997,"end":621.33,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.1089281439781189},{"word":"are","start":621.33,"end":621.49,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.08367763459682465},{"word":"working","start":621.49,"end":621.81,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.11498835682868958},{"word":"harder","start":621.81,"end":622.21,"confidence":0.99902344,"punctuated_word":"harder","sentiment":"neutral","sentiment_score":0.09526082128286362},{"word":"for","start":622.21,"end":622.37,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11098219454288484},{"word":"you","start":622.37,"end":622.69,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16642755270004272},{"word":"moving","start":622.69,"end":622.93,"confidence":0.9951172,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.1506684422492981},{"word":"forward","start":622.93,"end":623.25,"confidence":1.0,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":0.16080500185489657},{"word":"as","start":623.25,"end":623.41,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.10716047883033752},{"word":"well","start":623.41,"end":623.91,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.05678510293364525},{"word":"yeah","start":623.97,"end":624.47,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.003837011754512787},{"word":"mhmm","start":631.81,"end":632.31,"confidence":0.99658203,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.011216405779123306},{"word":"yeah","start":636.78503,"end":637.10504,"confidence":0.98535156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.014077932573854923},{"word":"yeah","start":637.10504,"end":637.42505,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.044264793395996094},{"word":"absolutely","start":637.42505,"end":637.92505,"confidence":0.99902344,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.0898163914680481},{"word":"yep","start":638.705,"end":639.185,"confidence":0.8051758,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06567201018333435},{"word":"definitely","start":639.185,"end":639.685,"confidence":1.0,"punctuated_word":"Definitely.","sentiment":"neutral","sentiment_score":0.07339809834957123},{"word":"okay","start":647.26,"end":647.76,"confidence":0.8183594,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.026810135692358017},{"word":"interesting","start":648.94,"end":649.44,"confidence":0.9951172,"punctuated_word":"Interesting.","sentiment":"neutral","sentiment_score":0.03094881772994995},{"word":"mhmm","start":651.9,"end":652.4,"confidence":0.9921875,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.03410811722278595},{"word":"yes","start":654.78,"end":655.28,"confidence":0.75805664,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.03851570934057236},{"word":"yeah","start":656.38,"end":656.7,"confidence":0.9838867,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.24956002831459043},{"word":"absolutely","start":656.7,"end":657.2,"confidence":0.99658203,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.5554792881011963},{"word":"yep","start":660.935,"end":661.435,"confidence":0.92944336,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3489943742752075},{"word":"perfect","start":661.495,"end":661.975,"confidence":0.99853516,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.6611884832382202},{"word":"yeah","start":661.975,"end":662.13495,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.31763648986816406},{"word":"if","start":662.13495,"end":662.295,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.29419389367103577},{"word":"you","start":662.295,"end":662.45496,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1898185163736343},{"word":"can","start":662.45496,"end":662.615,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.19566848874092105},{"word":"let","start":662.615,"end":662.77496,"confidence":0.99902344,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.22939614951610565},{"word":"me","start":662.77496,"end":662.935,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.191939577460289},{"word":"know","start":662.935,"end":663.175,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.18832358717918396},{"word":"how","start":663.175,"end":663.33496,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.16401126980781555},{"word":"much","start":663.33496,"end":663.495,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.16112065315246582},{"word":"you","start":663.495,"end":663.65497,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21069170534610748},{"word":"should","start":663.65497,"end":663.89496,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.21770870685577393},{"word":"have","start":663.89496,"end":664.055,"confidence":0.64746094,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17748840153217316},{"word":"been","start":664.055,"end":664.21497,"confidence":0.9892578,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.16425493359565735},{"word":"paid","start":664.21497,"end":664.535,"confidence":0.9694824,"punctuated_word":"paid,","sentiment":"neutral","sentiment_score":0.1563989818096161},{"word":"i","start":664.535,"end":664.695,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19032594561576843},{"word":"can","start":664.695,"end":664.855,"confidence":0.9970703,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.17070692777633667},{"word":"go","start":664.855,"end":665.095,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1823384314775467},{"word":"through","start":665.095,"end":665.255,"confidence":0.9980469,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.21103106439113617},{"word":"and","start":665.255,"end":665.415,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15003760159015656},{"word":"have","start":665.415,"end":665.57495,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1504404991865158},{"word":"a","start":665.57495,"end":665.65497,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18411698937416077},{"word":"look","start":665.65497,"end":665.815,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.16500598192214966},{"word":"at","start":665.815,"end":666.055,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2308793663978577},{"word":"all","start":666.055,"end":666.21497,"confidence":0.9863281,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1804523766040802},{"word":"the","start":666.21497,"end":666.375,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18014930188655853},{"word":"transactions","start":666.375,"end":666.875,"confidence":0.99609375,"punctuated_word":"transactions","sentiment":"neutral","sentiment_score":0.21918579936027527},{"word":"from","start":667.01495,"end":667.51495,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.16027110815048218},{"word":"the","start":667.57495,"end":667.735,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19564422965049744},{"word":"day","start":667.735,"end":667.975,"confidence":0.9970703,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.21031957864761353},{"word":"we","start":667.975,"end":668.13495,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2348070442676544},{"word":"opened","start":668.13495,"end":668.615,"confidence":0.92822266,"punctuated_word":"opened","sentiment":"neutral","sentiment_score":0.2474907785654068},{"word":"netwealth","start":668.615,"end":669.115,"confidence":0.80810547,"punctuated_word":"Netwealth,","sentiment":"neutral","sentiment_score":0.2348756343126297},{"word":"and","start":669.175,"end":669.415,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1756056547164917},{"word":"i","start":669.415,"end":669.495,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1673644781112671},{"word":"can","start":669.495,"end":669.735,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16276845335960388},{"word":"let","start":669.735,"end":669.89496,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.2003134936094284},{"word":"you","start":669.89496,"end":670.055,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16950246691703796},{"word":"know","start":670.055,"end":670.295,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.1853928416967392},{"word":"what","start":670.295,"end":670.45496,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.20158874988555908},{"word":"you","start":670.45496,"end":670.615,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18032453954219815},{"word":"what","start":670.695,"end":670.935,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.17887945473194122},{"word":"you've","start":670.935,"end":671.175,"confidence":1.0,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.14581230282783508},{"word":"gotten","start":671.175,"end":671.65497,"confidence":0.84594727,"punctuated_word":"gotten,","sentiment":"neutral","sentiment_score":0.12175443768501282},{"word":"what","start":671.65497,"end":671.89496,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.10824672877788544},{"word":"you","start":671.89496,"end":672.055,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08002674579620361},{"word":"might","start":672.055,"end":672.295,"confidence":0.99902344,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.03727354109287262},{"word":"be","start":672.295,"end":672.45496,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.05705929547548294},{"word":"missing","start":672.45496,"end":672.935,"confidence":0.8679199,"punctuated_word":"missing,","sentiment":"neutral","sentiment_score":0.04794349893927574},{"word":"and","start":672.935,"end":673.435,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08893606066703796},{"word":"kinda","start":673.58,"end":673.98,"confidence":0.94384766,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.2572535574436188},{"word":"marry","start":673.98,"end":674.14,"confidence":0.7495117,"punctuated_word":"marry","sentiment":"neutral","sentiment_score":0.25514718890190125},{"word":"it","start":674.14,"end":674.22,"confidence":0.8925781,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.27937135100364685},{"word":"all","start":674.22,"end":674.38,"confidence":0.7758789,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.29804328083992004},{"word":"up","start":674.38,"end":674.62,"confidence":0.9790039,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.3140125274658203},{"word":"for","start":674.62,"end":674.7,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2372390627861023},{"word":"you","start":674.7,"end":675.1,"confidence":0.9941406,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.1843530833721161},{"word":"absolutely","start":675.1,"end":675.6,"confidence":0.98950195,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.22061258554458615},{"word":"yeah","start":676.06,"end":676.56,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08101094514131546},{"word":"yeah","start":678.14,"end":678.54,"confidence":0.8371582,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.20608708262443545},{"word":"perfect","start":678.54,"end":679.04,"confidence":0.9995117,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4849680066108704},{"word":"all","start":679.26,"end":679.58,"confidence":0.9404297,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.42756402492523193},{"word":"good","start":679.58,"end":680.08,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.40350374579429626},{"word":"yes","start":688.225,"end":688.725,"confidence":0.94018555,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.008173532783985138},{"word":"it","start":699.36,"end":699.52,"confidence":0.7402344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.02962726913392544},{"word":"is","start":699.52,"end":700.02,"confidence":0.99316406,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.03718799352645874},{"word":"yeah","start":700.64,"end":701.04,"confidence":0.9667969,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03329784795641899},{"word":"yeah","start":701.04,"end":701.54,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04353945702314377},{"word":"yeah","start":703.92,"end":704.4,"confidence":0.99609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.013463584706187248},{"word":"we","start":704.4,"end":704.64,"confidence":0.9248047,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.008463621139526367},{"word":"can","start":704.64,"end":704.8,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.00156397745013237},{"word":"bank","start":704.8,"end":705.12,"confidence":0.9003906,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":-0.00005153939127922058},{"word":"transfer","start":705.12,"end":705.44,"confidence":0.47314453,"punctuated_word":"transfer","sentiment":"neutral","sentiment_score":-0.0012611262500286102},{"word":"that","start":705.44,"end":705.68,"confidence":0.9770508,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.01264868676662445},{"word":"one","start":705.68,"end":706.18,"confidence":0.9995117,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.016952097415924072},{"word":"yeah","start":708.32,"end":708.64,"confidence":0.9819336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04881126806139946},{"word":"no","start":708.64,"end":708.96,"confidence":0.8149414,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.16742169857025146},{"word":"it","start":708.96,"end":709.46,"confidence":0.9921875,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.18183687329292297},{"word":"it","start":710.16,"end":710.32,"confidence":0.9633789,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0784311443567276},{"word":"has","start":710.32,"end":710.56,"confidence":0.9863281,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.08249460160732269},{"word":"been","start":710.56,"end":710.64,"confidence":0.9770508,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.11614691466093063},{"word":"yeah","start":711.77496,"end":712.015,"confidence":0.6888428,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.13762733340263367},{"word":"no","start":712.015,"end":712.175,"confidence":0.7536621,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.22493478655815125},{"word":"it","start":712.175,"end":712.495,"confidence":0.875,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.2835026681423187},{"word":"has","start":712.495,"end":712.735,"confidence":0.99609375,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.32929375767707825},{"word":"been","start":712.735,"end":712.975,"confidence":0.9980469,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.292458713054657},{"word":"very","start":712.975,"end":713.21497,"confidence":0.9592285,"punctuated_word":"very,","sentiment":"neutral","sentiment_score":-0.26745888590812683},{"word":"very","start":713.21497,"end":713.455,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.3161414563655853},{"word":"up","start":713.455,"end":713.615,"confidence":0.9980469,"punctuated_word":"up","sentiment":"negative","sentiment_score":-0.38437536358833313},{"word":"and","start":713.615,"end":713.855,"confidence":1.0,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.378030389547348},{"word":"down","start":713.855,"end":714.015,"confidence":0.9995117,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":-0.2782607078552246},{"word":"it's","start":714.015,"end":714.255,"confidence":0.99902344,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.25855880975723267},{"word":"a","start":714.255,"end":714.33496,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2943093776702881},{"word":"little","start":714.33496,"end":714.575,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.27355220913887024},{"word":"bit","start":714.575,"end":714.735,"confidence":0.9970703,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.28259292244911194},{"word":"scary","start":714.735,"end":715.055,"confidence":0.98828125,"punctuated_word":"scary","sentiment":"negative","sentiment_score":-0.35203319787979126},{"word":"that","start":715.055,"end":715.21497,"confidence":1.0,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.35465797781944275},{"word":"one","start":715.21497,"end":715.455,"confidence":0.99902344,"punctuated_word":"one","sentiment":"negative","sentiment_score":-0.399844765663147},{"word":"man","start":715.455,"end":715.855,"confidence":0.99609375,"punctuated_word":"man","sentiment":"negative","sentiment_score":-0.3522363305091858},{"word":"has","start":715.855,"end":716.355,"confidence":0.99609375,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.3315781056880951},{"word":"can","start":716.815,"end":717.055,"confidence":0.99609375,"punctuated_word":"can","sentiment":"negative","sentiment_score":-0.36332985758781433},{"word":"do","start":717.055,"end":717.535,"confidence":1.0,"punctuated_word":"do","sentiment":"negative","sentiment_score":-0.4127411544322967},{"word":"so","start":717.535,"end":717.855,"confidence":0.99609375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.2839597463607788},{"word":"little","start":717.855,"end":718.355,"confidence":0.99902344,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.2917015850543976},{"word":"and","start":718.495,"end":718.895,"confidence":0.96777344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.24957139790058136},{"word":"or","start":718.975,"end":719.135,"confidence":0.96972656,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.2428733706474304},{"word":"make","start":719.135,"end":719.455,"confidence":0.9921875,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.31032663583755493},{"word":"one","start":719.455,"end":719.855,"confidence":0.9951172,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.2895931899547577},{"word":"tweet","start":719.855,"end":720.355,"confidence":0.5073242,"punctuated_word":"tweet","sentiment":"neutral","sentiment_score":-0.2831740379333496},{"word":"and","start":720.415,"end":720.895,"confidence":0.43945312,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.23422545194625857},{"word":"most","start":720.895,"end":721.21497,"confidence":0.9941406,"punctuated_word":"most","sentiment":"neutral","sentiment_score":-0.2620934545993805},{"word":"and","start":721.295,"end":721.455,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.20764051377773285},{"word":"people","start":721.455,"end":721.77496,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.2883811295032501},{"word":"start","start":721.77496,"end":722.015,"confidence":0.9863281,"punctuated_word":"start","sentiment":"negative","sentiment_score":-0.3802080154418946},{"word":"to","start":722.015,"end":722.175,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.31052038073539734},{"word":"sell","start":722.175,"end":722.415,"confidence":0.9941406,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.29118773341178894},{"word":"and","start":722.415,"end":722.65497,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.29534292221069336},{"word":"freak","start":722.65497,"end":722.895,"confidence":0.99121094,"punctuated_word":"freak","sentiment":"neutral","sentiment_score":-0.27081504464149475},{"word":"out","start":722.895,"end":723.135,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.2791036367416382},{"word":"about","start":723.135,"end":723.375,"confidence":0.9970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.2508485019207001},{"word":"what's","start":723.375,"end":723.615,"confidence":0.9995117,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.21197310090065},{"word":"happening","start":723.615,"end":723.935,"confidence":1.0,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":-0.2008176147937775},{"word":"in","start":723.935,"end":724.095,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1741347461938858},{"word":"the","start":724.095,"end":724.255,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1757264882326126},{"word":"markets","start":724.255,"end":724.735,"confidence":0.7050781,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":-0.19560307264328003},{"word":"there","start":724.735,"end":724.975,"confidence":0.8527832,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.1312897950410843},{"word":"so","start":724.975,"end":725.455,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03489329665899277},{"word":"it's","start":725.455,"end":725.695,"confidence":0.99609375,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.02739109843969345},{"word":"a","start":725.695,"end":725.855,"confidence":0.9770508,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09300580620765686},{"word":"little","start":725.855,"end":726.095,"confidence":0.99902344,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.13438066840171814},{"word":"bit","start":726.095,"end":726.33496,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.1327715814113617},{"word":"scary","start":726.33496,"end":726.83496,"confidence":0.99658203,"punctuated_word":"scary.","sentiment":"neutral","sentiment_score":-0.14069172739982605},{"word":"no","start":733.42,"end":733.92,"confidence":0.9707031,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.027937278151512143},{"word":"yes","start":735.66,"end":736.16,"confidence":0.99609375,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.02992374822497368},{"word":"i","start":736.3,"end":736.46,"confidence":0.94970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01039377972483635},{"word":"know","start":736.46,"end":736.7,"confidence":0.75,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.013666853308677672},{"word":"we","start":736.7,"end":736.86,"confidence":0.9980469,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.030024878680706024},{"word":"saw","start":736.86,"end":737.1,"confidence":0.9633789,"punctuated_word":"saw","sentiment":"neutral","sentiment_score":0.013655286282300947},{"word":"that","start":737.1,"end":737.34,"confidence":0.85131836,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.02434382773935795},{"word":"we","start":737.34,"end":737.5,"confidence":0.9970703,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.03146176040172577},{"word":"were","start":737.5,"end":737.66,"confidence":0.95947266,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.040370069444179535},{"word":"like","start":737.66,"end":737.98,"confidence":0.8540039,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.07228885591030121},{"word":"woah","start":737.98,"end":738.22,"confidence":0.890625,"punctuated_word":"woah.","sentiment":"neutral","sentiment_score":0.14367952942848206},{"word":"that","start":738.22,"end":738.38,"confidence":0.99902344,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.31455472111701965},{"word":"was","start":738.38,"end":738.62,"confidence":1.0,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.37726879119873047},{"word":"a","start":738.62,"end":738.7,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.40826085209846497},{"word":"clever","start":738.7,"end":739.18,"confidence":1.0,"punctuated_word":"clever","sentiment":"neutral","sentiment_score":0.32117760181427},{"word":"move","start":739.18,"end":739.68,"confidence":0.9970703,"punctuated_word":"move.","sentiment":"neutral","sentiment_score":0.20776507258415225},{"word":"jeez","start":740.06,"end":740.56,"confidence":0.9679362,"punctuated_word":"Jeez.","sentiment":"neutral","sentiment_score":0.029164984822273254},{"word":"oh","start":742.835,"end":742.995,"confidence":0.99609375,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.04253182560205459},{"word":"absolutely","start":742.995,"end":743.495,"confidence":0.9995117,"punctuated_word":"absolutely.","sentiment":"neutral","sentiment_score":-0.05521624535322189},{"word":"there's","start":744.35504,"end":744.675,"confidence":0.9980469,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.02091635763645172},{"word":"another","start":744.675,"end":745.075,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.025617903098464012},{"word":"thing","start":745.075,"end":745.235,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.0243189949542284},{"word":"i've","start":745.235,"end":745.47504,"confidence":0.99560547,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.02744891867041588},{"word":"noticed","start":745.47504,"end":745.875,"confidence":0.99902344,"punctuated_word":"noticed","sentiment":"neutral","sentiment_score":0.030672693625092503},{"word":"as","start":745.875,"end":745.955,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.024569526314735413},{"word":"well","start":745.955,"end":746.195,"confidence":1.0,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.042266860604286194},{"word":"because","start":746.195,"end":746.435,"confidence":0.59277344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.03947773203253746},{"word":"i've","start":746.435,"end":746.59503,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.037284910678863525},{"word":"been","start":746.59503,"end":746.835,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.035764068365097046},{"word":"doing","start":746.835,"end":747.075,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.04550907015800476},{"word":"a","start":747.075,"end":747.155,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04012761265039444},{"word":"lot","start":747.155,"end":747.315,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.04549388587474823},{"word":"of","start":747.315,"end":747.47504,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03286851942539215},{"word":"research","start":747.47504,"end":747.97504,"confidence":1.0,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.02800167351961136},{"word":"for","start":748.03503,"end":748.195,"confidence":0.9428711,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.026411615312099457},{"word":"clients","start":748.195,"end":748.59503,"confidence":0.99902344,"punctuated_word":"clients","sentiment":"neutral","sentiment_score":0.030778169631958008},{"word":"around","start":748.59503,"end":748.995,"confidence":0.99902344,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.032673731446266174},{"word":"the","start":748.995,"end":749.235,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.024477766826748848},{"word":"oil","start":749.235,"end":749.47504,"confidence":0.9970703,"punctuated_word":"oil","sentiment":"neutral","sentiment_score":0.024311933666467667},{"word":"side","start":749.47504,"end":749.715,"confidence":0.99609375,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.026011645793914795},{"word":"of","start":749.715,"end":749.875,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.028136854991316795},{"word":"things","start":749.875,"end":750.115,"confidence":0.87109375,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":0.02108103781938553},{"word":"but","start":750.115,"end":750.275,"confidence":0.9790039,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.008358480408787727},{"word":"when","start":750.275,"end":750.515,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.0017830915749073029},{"word":"you","start":750.515,"end":750.675,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0045076534152030945},{"word":"look","start":750.675,"end":750.91504,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.0032223425805568695},{"word":"at","start":750.91504,"end":751.075,"confidence":0.9914551,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":-0.0014642924070358276},{"word":"like","start":751.075,"end":751.575,"confidence":0.9995117,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.0009033353999257088},{"word":"where","start":751.79504,"end":752.29504,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.00332624651491642},{"word":"a","start":752.515,"end":752.59503,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0012455005198717115},{"word":"lot","start":752.59503,"end":752.755,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.0016017314046621325},{"word":"of","start":752.755,"end":752.835,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.004880180582404137},{"word":"the","start":752.835,"end":752.995,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.005849655717611313},{"word":"ships","start":752.995,"end":753.315,"confidence":0.9350586,"punctuated_word":"ships","sentiment":"neutral","sentiment_score":-0.011092646978795528},{"word":"are","start":753.315,"end":753.47504,"confidence":0.98828125,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.004596007987856865},{"word":"coming","start":753.47504,"end":753.79504,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":-0.01310998946428299},{"word":"from","start":753.79504,"end":754.03503,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.017585434019565582},{"word":"at","start":754.03503,"end":754.195,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.01389557309448719},{"word":"the","start":754.195,"end":754.275,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01884523034095764},{"word":"moment","start":754.275,"end":754.675,"confidence":0.9980469,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.012690167874097824},{"word":"a","start":754.675,"end":754.755,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.013026011176407335},{"word":"lot","start":754.755,"end":754.91504,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.007915565744042397},{"word":"of","start":754.91504,"end":755.075,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.011555172502994536},{"word":"them","start":755.075,"end":755.235,"confidence":0.9741211,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.011663347482681274},{"word":"are","start":755.235,"end":755.315,"confidence":0.9892578,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.013532450422644615},{"word":"coming","start":755.315,"end":755.635,"confidence":0.99902344,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":-0.016307376325130463},{"word":"from","start":755.635,"end":755.79504,"confidence":0.9902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.017954278737306595},{"word":"the","start":755.79504,"end":756.03503,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.02263825386762619},{"word":"us","start":756.03503,"end":756.53503,"confidence":0.9628906,"punctuated_word":"US.","sentiment":"neutral","sentiment_score":-0.013626309111714365},{"word":"so","start":758.29,"end":758.61,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04587972164154053},{"word":"it's","start":758.61,"end":758.85,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.08113691210746765},{"word":"kind","start":758.85,"end":759.25,"confidence":0.9941406,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.016477778553962708},{"word":"of","start":759.25,"end":759.75,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08216451108455658},{"word":"a","start":759.88995,"end":760.05,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.043400511145591736},{"word":"little","start":760.05,"end":760.29,"confidence":0.99902344,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.018837928771972656},{"word":"bit","start":760.29,"end":760.52997,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.013581037521362305},{"word":"clever","start":760.52997,"end":761.02997,"confidence":0.7215576,"punctuated_word":"clever.","sentiment":"neutral","sentiment_score":-0.01966669037938118},{"word":"it's","start":761.17,"end":761.41,"confidence":0.9926758,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.07770690321922302},{"word":"annoying","start":761.41,"end":761.88995,"confidence":0.8479004,"punctuated_word":"annoying,","sentiment":"neutral","sentiment_score":-0.03365933150053024},{"word":"but","start":761.88995,"end":762.12994,"confidence":0.9863281,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.006411448121070862},{"word":"very","start":762.12994,"end":762.29,"confidence":0.9526367,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.04288005828857422},{"word":"clever","start":762.29,"end":762.76996,"confidence":1.0,"punctuated_word":"clever","sentiment":"neutral","sentiment_score":-0.08210340142250061},{"word":"that","start":762.76996,"end":763.00995,"confidence":0.9885254,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.023938052356243137},{"word":"you","start":763.00995,"end":763.17,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.030533507466316223},{"word":"know","start":763.17,"end":763.64996,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.005116485059261322},{"word":"this","start":763.64996,"end":763.88995,"confidence":0.99609375,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.018785670399665833},{"word":"has","start":763.88995,"end":764.05,"confidence":0.99316406,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.0021730810403823853},{"word":"happened","start":764.05,"end":764.55,"confidence":0.7602539,"punctuated_word":"happened,","sentiment":"neutral","sentiment_score":-0.0035189762711524963},{"word":"and","start":764.61,"end":764.93,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.020321648567914963},{"word":"where","start":764.93,"end":765.17,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.022951222956180573},{"word":"do","start":765.17,"end":765.25,"confidence":0.9941406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.015841778367757797},{"word":"we","start":765.25,"end":765.49,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.008362337946891785},{"word":"have","start":765.49,"end":765.64996,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.003834839910268784},{"word":"to","start":765.64996,"end":765.73,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.004821501672267914},{"word":"go","start":765.73,"end":765.97,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.029844317585229874},{"word":"to","start":765.97,"end":766.12994,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0223100446164608},{"word":"buy","start":766.12994,"end":766.44995,"confidence":0.9980469,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":-0.0512893870472908},{"word":"oil","start":766.44995,"end":766.94995,"confidence":0.94677734,"punctuated_word":"oil?","sentiment":"neutral","sentiment_score":-0.008226484060287476},{"word":"the","start":767.00995,"end":767.25,"confidence":0.9970703,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.012395292520523071},{"word":"us","start":767.25,"end":767.75,"confidence":0.9946289,"punctuated_word":"US.","sentiment":"neutral","sentiment_score":0.04368100315332413},{"word":"correct","start":772.37,"end":772.87,"confidence":0.94628906,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.3038191795349121},{"word":"correct","start":774.34503,"end":774.84503,"confidence":0.9980469,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.16055089235305786},{"word":"yep","start":775.145,"end":775.645,"confidence":0.9914551,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07717274129390717},{"word":"yep","start":776.025,"end":776.525,"confidence":0.9658203,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06663762778043747},{"word":"so","start":776.66504,"end":777.065,"confidence":0.9838867,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03713298216462135},{"word":"we'll","start":777.065,"end":777.22504,"confidence":0.94677734,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.004722299985587597},{"word":"have","start":777.22504,"end":777.305,"confidence":0.9873047,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.007564552128314972},{"word":"to","start":777.305,"end":777.465,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.027044076472520828},{"word":"wait","start":777.465,"end":777.625,"confidence":0.99609375,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":-0.022667285054922104},{"word":"and","start":777.625,"end":777.78503,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04789277911186218},{"word":"see","start":777.78503,"end":777.945,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.02180243283510208},{"word":"what","start":777.945,"end":778.185,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.021464236080646515},{"word":"happens","start":778.185,"end":778.685,"confidence":0.9108887,"punctuated_word":"happens.","sentiment":"neutral","sentiment_score":-0.04629288613796234},{"word":"but","start":779.305,"end":779.465,"confidence":0.63500977,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.060165174305438995},{"word":"yeah","start":779.465,"end":779.78503,"confidence":0.97802734,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.06833045184612274},{"word":"no","start":779.78503,"end":780.025,"confidence":0.68725586,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.10038026422262192},{"word":"look","start":780.025,"end":780.185,"confidence":0.6164551,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":-0.08063563704490662},{"word":"things","start":780.185,"end":780.425,"confidence":0.9560547,"punctuated_word":"Things","sentiment":"neutral","sentiment_score":-0.16908518970012665},{"word":"have","start":780.425,"end":780.66504,"confidence":0.8769531,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1888713836669922},{"word":"been","start":780.66504,"end":780.985,"confidence":0.49414062,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.1294136941432953},{"word":"very","start":780.985,"end":781.385,"confidence":0.70703125,"punctuated_word":"very,","sentiment":"neutral","sentiment_score":-0.17481426894664764},{"word":"very","start":781.385,"end":781.705,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.197925329208374},{"word":"up","start":781.705,"end":781.865,"confidence":0.95410156,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.18418000638484955},{"word":"and","start":781.865,"end":782.025,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.24377498030662537},{"word":"down","start":782.025,"end":782.265,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.14926961064338684},{"word":"within","start":782.265,"end":782.505,"confidence":0.5913086,"punctuated_word":"within","sentiment":"neutral","sentiment_score":-0.21390964090824127},{"word":"markets","start":782.505,"end":783.005,"confidence":0.8845215,"punctuated_word":"markets.","sentiment":"neutral","sentiment_score":-0.22900766134262085},{"word":"i","start":783.145,"end":783.22504,"confidence":0.97998047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.20513468980789185},{"word":"think","start":783.22504,"end":783.545,"confidence":0.9980469,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.20457103848457336},{"word":"march","start":783.545,"end":783.78503,"confidence":0.9951172,"punctuated_word":"March","sentiment":"neutral","sentiment_score":-0.3068327009677887},{"word":"was","start":783.78503,"end":784.025,"confidence":0.71435547,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.2266688197851181},{"word":"probably","start":784.025,"end":784.34503,"confidence":0.9970703,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.3218750059604645},{"word":"the","start":784.34503,"end":784.425,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2891267240047455},{"word":"biggest","start":784.425,"end":784.925,"confidence":1.0,"punctuated_word":"biggest","sentiment":"neutral","sentiment_score":-0.3067464828491211},{"word":"drop","start":784.985,"end":785.305,"confidence":0.7524414,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":-0.2428709864616394},{"word":"that","start":785.305,"end":785.465,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.27373290061950684},{"word":"we've","start":785.465,"end":785.705,"confidence":0.99853516,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.2467790246009827},{"word":"seen","start":785.705,"end":786.205,"confidence":0.9970703,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":-0.21978384256362915},{"word":"this","start":786.265,"end":786.505,"confidence":0.99609375,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.23871655762195587},{"word":"year","start":786.505,"end":786.825,"confidence":0.99902344,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.2396380454301834},{"word":"so","start":786.825,"end":787.065,"confidence":0.9970703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.17140623927116394},{"word":"far","start":787.065,"end":787.565,"confidence":0.7780762,"punctuated_word":"far.","sentiment":"neutral","sentiment_score":-0.17782391607761383},{"word":"but","start":787.92,"end":788.04,"confidence":0.9921875,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.026504114270210263},{"word":"we","start":788.04,"end":788.16,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07603857666254044},{"word":"have","start":788.16,"end":788.48,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11711377650499344},{"word":"also","start":788.48,"end":788.8,"confidence":0.94140625,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.22786934673786163},{"word":"seen","start":788.8,"end":789.2,"confidence":0.98828125,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.2177574336528778},{"word":"some","start":789.2,"end":789.36,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1993716061115265},{"word":"sort","start":789.36,"end":789.52,"confidence":0.9604492,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.22779317200183868},{"word":"of","start":789.52,"end":789.68,"confidence":0.9790039,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2408326119184494},{"word":"recovery","start":789.68,"end":790.18,"confidence":0.99121094,"punctuated_word":"recovery","sentiment":"neutral","sentiment_score":0.16784586012363434},{"word":"from","start":790.24,"end":790.48,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.1630350947380066},{"word":"it","start":790.48,"end":790.72,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15270259976387024},{"word":"as","start":790.72,"end":790.88,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2383783459663391},{"word":"well","start":790.88,"end":791.27997,"confidence":0.8688965,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.17230011522769928},{"word":"so","start":791.27997,"end":791.44,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13903337717056274},{"word":"we","start":791.44,"end":791.68,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12634554505348206},{"word":"thought","start":791.68,"end":791.92,"confidence":0.9614258,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":0.12069377303123474},{"word":"while","start":791.92,"end":792.16,"confidence":0.6582031,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.11174803972244264},{"word":"the","start":792.16,"end":792.32,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16684633493423462},{"word":"market","start":792.32,"end":792.72,"confidence":0.9970703,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.07655775547027588},{"word":"is","start":792.72,"end":792.96,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15380293130874634},{"word":"moving","start":792.96,"end":793.44,"confidence":1.0,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.1323438286781311},{"word":"the","start":793.44,"end":793.52,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10447964817285538},{"word":"way","start":793.52,"end":793.76,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.08728259801864624},{"word":"it","start":793.76,"end":793.83997,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06339173763990402},{"word":"is","start":793.83997,"end":794.08,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09909907728433608},{"word":"at","start":794.08,"end":794.16,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06138166785240173},{"word":"the","start":794.16,"end":794.39996,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08210226893424988},{"word":"moment","start":794.39996,"end":794.89996,"confidence":0.9975586,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.12382186949253082},{"word":"let's","start":795.27997,"end":795.68,"confidence":0.9975586,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.16752909123897552},{"word":"take","start":795.68,"end":795.92,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.16205722093582153},{"word":"advantage","start":795.92,"end":796.42,"confidence":0.99902344,"punctuated_word":"advantage","sentiment":"neutral","sentiment_score":0.18223515152931213},{"word":"of","start":796.48,"end":796.64,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19369885325431824},{"word":"that","start":796.64,"end":796.96,"confidence":0.99609375,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.17385832965373993},{"word":"we'll","start":796.96,"end":797.36,"confidence":0.9995117,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.25340840220451355},{"word":"do","start":797.36,"end":797.83997,"confidence":0.9975586,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.2656777799129486},{"word":"you","start":797.83997,"end":798.0,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21999357640743256},{"word":"know","start":798.0,"end":798.32,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.24871842563152313},{"word":"the","start":798.32,"end":798.48,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2619301676750183},{"word":"investment","start":798.48,"end":798.98,"confidence":0.9316406,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.13949911296367645},{"word":"switches","start":799.04,"end":799.54,"confidence":0.9838867,"punctuated_word":"switches","sentiment":"neutral","sentiment_score":0.13446944952011108},{"word":"for","start":799.6,"end":799.83997,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1851014941930771},{"word":"you","start":799.83997,"end":800.0,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19329407811164856},{"word":"guys","start":800.0,"end":800.48,"confidence":0.9980469,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.2129942923784256},{"word":"now","start":800.48,"end":800.96,"confidence":0.9851074,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.19924984872341156},{"word":"that","start":800.96,"end":801.12,"confidence":0.9980469,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.16964416205883026},{"word":"way","start":801.12,"end":801.62,"confidence":0.9975586,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.2096882462501526},{"word":"you","start":801.865,"end":802.025,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1648188829421997},{"word":"know","start":802.025,"end":802.185,"confidence":0.99902344,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.18590277433395383},{"word":"where","start":802.185,"end":802.66504,"confidence":0.4880371,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.19621014595031736},{"word":"the","start":802.66504,"end":802.825,"confidence":0.8598633,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22997921705245972},{"word":"gains","start":802.825,"end":803.145,"confidence":0.91259766,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":0.252549946308136},{"word":"that","start":803.145,"end":803.385,"confidence":0.8076172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.304420530796051},{"word":"have","start":803.385,"end":803.54504,"confidence":0.81347656,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.22735679149627688},{"word":"been","start":803.54504,"end":804.04504,"confidence":0.9658203,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.2844296991825104},{"word":"made","start":804.585,"end":804.905,"confidence":0.91503906,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.3047613501548767},{"word":"from","start":804.905,"end":805.145,"confidence":0.9902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.27745702862739563},{"word":"some","start":805.145,"end":805.305,"confidence":0.99609375,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.25111401081085205},{"word":"of","start":805.305,"end":805.385,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2906172275543213},{"word":"the","start":805.385,"end":805.625,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22268079221248627},{"word":"investments","start":805.625,"end":806.10504,"confidence":0.9941406,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.1356642246246338},{"word":"will","start":806.10504,"end":806.265,"confidence":0.5292969,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2679489254951477},{"word":"be","start":806.265,"end":806.585,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.31082355976104736},{"word":"redistributing","start":806.585,"end":807.085,"confidence":0.9124349,"punctuated_word":"redistributing","sentiment":"neutral","sentiment_score":0.24721944332122803},{"word":"those","start":807.385,"end":807.625,"confidence":0.9038086,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.22705920040607452},{"word":"across","start":807.625,"end":808.025,"confidence":0.9121094,"punctuated_word":"across.","sentiment":"neutral","sentiment_score":0.15566174685955048},{"word":"and","start":808.025,"end":808.185,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10906925797462463},{"word":"then","start":808.185,"end":808.425,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.11933372914791109},{"word":"while","start":808.425,"end":808.585,"confidence":0.984375,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.09863407909870148},{"word":"the","start":808.585,"end":808.745,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12553998827934265},{"word":"market","start":808.745,"end":809.145,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.0664745420217514},{"word":"is","start":809.145,"end":809.305,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10070693492889404},{"word":"seeing","start":809.305,"end":809.625,"confidence":0.9892578,"punctuated_word":"seeing","sentiment":"neutral","sentiment_score":0.07657371461391449},{"word":"some","start":809.625,"end":809.865,"confidence":0.9980469,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.033725522458553314},{"word":"downtime","start":809.865,"end":810.365,"confidence":0.6569824,"punctuated_word":"downtime,","sentiment":"neutral","sentiment_score":0.028706490993499756},{"word":"we're","start":810.425,"end":810.745,"confidence":0.80566406,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.07109206914901733},{"word":"buying","start":810.745,"end":811.145,"confidence":1.0,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.05246465653181076},{"word":"into","start":811.145,"end":811.385,"confidence":0.9873047,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.1127440184354782},{"word":"some","start":811.385,"end":811.54504,"confidence":0.9941406,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.11947411298751832},{"word":"of","start":811.54504,"end":811.705,"confidence":0.9902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16242682933807373},{"word":"those","start":811.705,"end":811.945,"confidence":0.89990234,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.13766635954380035},{"word":"investments","start":811.945,"end":812.425,"confidence":0.97314453,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.05915648117661476},{"word":"at","start":812.425,"end":812.505,"confidence":0.71240234,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1862267255783081},{"word":"a","start":812.505,"end":812.66504,"confidence":0.58496094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17873738706111908},{"word":"discounted","start":812.66504,"end":813.16504,"confidence":0.9970703,"punctuated_word":"discounted","sentiment":"neutral","sentiment_score":0.11042950302362442},{"word":"rate","start":813.305,"end":813.54504,"confidence":0.9538574,"punctuated_word":"rate.","sentiment":"neutral","sentiment_score":0.16737550497055054},{"word":"so","start":813.54504,"end":814.04504,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2418607473373413},{"word":"we","start":814.16003,"end":814.32,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.24751421809196472},{"word":"can","start":814.32,"end":814.44,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.31182143092155457},{"word":"take","start":814.44,"end":814.56,"confidence":1.0,"punctuated_word":"take","sentiment":"positive","sentiment_score":0.3636921048164368},{"word":"a","start":814.56,"end":814.8,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3347781002521515},{"word":"bit","start":814.8,"end":814.96,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.3282777965068817},{"word":"of","start":814.96,"end":815.04004,"confidence":0.9970703,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3493853211402893},{"word":"an","start":815.04004,"end":815.28,"confidence":0.9970703,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.29539817571640015},{"word":"advantage","start":815.28,"end":815.68,"confidence":0.9980469,"punctuated_word":"advantage","sentiment":"neutral","sentiment_score":0.26737964153289795},{"word":"of","start":815.68,"end":815.84,"confidence":0.98095703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2204548865556717},{"word":"those","start":815.84,"end":816.08,"confidence":0.9970703,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.22911277413368225},{"word":"downtimes","start":816.08,"end":816.58,"confidence":0.71818036,"punctuated_word":"downtimes,","sentiment":"neutral","sentiment_score":0.22261863946914673},{"word":"and","start":817.2,"end":817.36005,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2175338864326477},{"word":"then","start":817.36005,"end":817.60004,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.20311850309371948},{"word":"just","start":817.60004,"end":817.84,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2101736068725586},{"word":"keep","start":817.84,"end":818.08,"confidence":0.9980469,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.200383722782135},{"word":"monitoring","start":818.08,"end":818.58,"confidence":0.9970703,"punctuated_word":"monitoring","sentiment":"neutral","sentiment_score":0.19182001054286957},{"word":"things","start":818.72003,"end":819.12,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.27669110894203186},{"word":"moving","start":819.12,"end":819.52,"confidence":0.99609375,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.2768210172653198},{"word":"forward","start":819.52,"end":819.92004,"confidence":1.0,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":0.2546040117740631},{"word":"and","start":819.92004,"end":820.08,"confidence":0.77246094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21483586728572843},{"word":"let","start":820.08,"end":820.32,"confidence":0.9941406,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.2333974540233612},{"word":"you","start":820.32,"end":820.4,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2200218290090561},{"word":"know","start":820.4,"end":820.64,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.2113231420516968},{"word":"when","start":820.64,"end":820.88,"confidence":0.9970703,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.19854481518268585},{"word":"we","start":820.88,"end":821.04004,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.20698782801628113},{"word":"need","start":821.04004,"end":821.28,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.23190873861312863},{"word":"to","start":821.28,"end":821.36005,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19631758332252505},{"word":"make","start":821.36005,"end":821.60004,"confidence":0.9980469,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.2005813866853714},{"word":"updates","start":821.60004,"end":822.0,"confidence":0.9902344,"punctuated_word":"updates","sentiment":"neutral","sentiment_score":0.15464124083518982},{"word":"and","start":822.0,"end":822.16003,"confidence":0.9863281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1882080435752869},{"word":"changes","start":822.16003,"end":822.66003,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.1739063262939453},{"word":"for","start":822.72003,"end":822.88,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.18487662076950073},{"word":"you","start":822.88,"end":823.12,"confidence":0.9838867,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15201763808727264},{"word":"both","start":823.12,"end":823.36005,"confidence":0.9921875,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.18175117671489716},{"word":"as","start":823.36005,"end":823.60004,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13328216969966888},{"word":"well","start":823.60004,"end":824.10004,"confidence":1.0,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.09944690763950348},{"word":"okay","start":824.32,"end":824.82,"confidence":0.935791,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.04826878756284714},{"word":"all","start":826.385,"end":826.625,"confidence":0.96533203,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.23331142961978912},{"word":"good","start":826.625,"end":826.785,"confidence":0.967041,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.21137461066246033},{"word":"but","start":826.785,"end":826.945,"confidence":0.93115234,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.14129215478897095},{"word":"i","start":826.945,"end":827.02496,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11883000284433363},{"word":"can","start":827.02496,"end":827.265,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.149048313498497},{"word":"safely","start":827.265,"end":827.585,"confidence":0.9902344,"punctuated_word":"safely","sentiment":"neutral","sentiment_score":0.10836043953895567},{"word":"tell","start":827.585,"end":827.825,"confidence":1.0,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":0.13641013205051422},{"word":"you","start":827.825,"end":827.985,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08263690024614334},{"word":"i","start":827.985,"end":828.065,"confidence":0.5644531,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.041200555860996246},{"word":"have","start":828.065,"end":828.305,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06189563125371933},{"word":"been","start":828.305,"end":828.46497,"confidence":0.9951172,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.07202355563640594},{"word":"watching","start":828.46497,"end":828.945,"confidence":1.0,"punctuated_word":"watching","sentiment":"neutral","sentiment_score":0.0556446835398674},{"word":"it","start":828.945,"end":829.105,"confidence":0.9892578,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06260214745998383},{"word":"very","start":829.105,"end":829.425,"confidence":0.9802246,"punctuated_word":"very,","sentiment":"neutral","sentiment_score":0.053250327706336975},{"word":"very","start":829.425,"end":829.825,"confidence":1.0,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.05673881620168686},{"word":"closely","start":829.825,"end":830.305,"confidence":0.83740234,"punctuated_word":"closely.","sentiment":"neutral","sentiment_score":0.05973787233233452},{"word":"and","start":830.305,"end":830.545,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.002106510102748871},{"word":"if","start":830.545,"end":830.785,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.07041333615779877},{"word":"there","start":830.785,"end":830.945,"confidence":0.9980469,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.10265671461820602},{"word":"was","start":830.945,"end":831.105,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.11096343398094176},{"word":"anything","start":831.105,"end":831.605,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.15627041459083557},{"word":"really","start":831.665,"end":831.985,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.2010282427072525},{"word":"scary","start":831.985,"end":832.385,"confidence":0.9980469,"punctuated_word":"scary","sentiment":"neutral","sentiment_score":-0.23698318004608152},{"word":"i","start":832.385,"end":832.46497,"confidence":0.7060547,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1932606995105743},{"word":"think","start":832.46497,"end":832.625,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.24104343354701996},{"word":"we","start":832.625,"end":832.785,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.23289166390895844},{"word":"needed","start":832.785,"end":833.02496,"confidence":0.9921875,"punctuated_word":"needed","sentiment":"neutral","sentiment_score":-0.2855563163757324},{"word":"to","start":833.02496,"end":833.105,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2956891655921936},{"word":"get","start":833.105,"end":833.345,"confidence":0.99902344,"punctuated_word":"get","sentiment":"negative","sentiment_score":-0.34337684512138367},{"word":"out","start":833.345,"end":833.505,"confidence":0.99902344,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.322917640209198},{"word":"of","start":833.505,"end":833.585,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2418876588344574},{"word":"the","start":833.585,"end":833.665,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.263301283121109},{"word":"market","start":833.665,"end":834.065,"confidence":0.99316406,"punctuated_word":"market,","sentiment":"neutral","sentiment_score":-0.22264814376831055},{"word":"i'd","start":834.065,"end":834.225,"confidence":0.58203125,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.11238762736320496},{"word":"definitely","start":834.225,"end":834.625,"confidence":0.99902344,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":-0.0827556848526001},{"word":"let","start":834.625,"end":834.785,"confidence":0.9970703,"punctuated_word":"let","sentiment":"neutral","sentiment_score":-0.1057477816939354},{"word":"you","start":834.785,"end":834.945,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05758998543024063},{"word":"guys","start":834.945,"end":835.265,"confidence":1.0,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":-0.06332554668188095},{"word":"know","start":835.265,"end":835.585,"confidence":0.9746094,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.15046197175979614},{"word":"but","start":835.585,"end":835.90497,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.194848895072937},{"word":"right","start":835.90497,"end":836.145,"confidence":0.9770508,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.21799245476722717},{"word":"now","start":836.145,"end":836.385,"confidence":0.9436035,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":-0.1812346428632736},{"word":"it's","start":836.385,"end":836.545,"confidence":0.9248047,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.22689568996429443},{"word":"the","start":837.105,"end":837.345,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2633442282676697},{"word":"biggest","start":837.345,"end":837.745,"confidence":0.99609375,"punctuated_word":"biggest","sentiment":"neutral","sentiment_score":-0.27713775634765625},{"word":"dips","start":837.745,"end":838.145,"confidence":0.7421875,"punctuated_word":"dips","sentiment":"neutral","sentiment_score":-0.2633897364139557},{"word":"haven't","start":838.145,"end":838.46497,"confidence":0.9995117,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.2873772978782654},{"word":"been","start":838.46497,"end":838.705,"confidence":0.98828125,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.3508045971393585},{"word":"massive","start":838.705,"end":839.185,"confidence":0.96533203,"punctuated_word":"massive.","sentiment":"neutral","sentiment_score":-0.31161224842071533},{"word":"they're","start":839.185,"end":839.425,"confidence":0.6984863,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":-0.1754256784915924},{"word":"being","start":839.425,"end":839.665,"confidence":0.9921875,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.18008287250995636},{"word":"maybe","start":839.665,"end":839.985,"confidence":0.9560547,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.1874365508556366},{"word":"three","start":839.985,"end":840.305,"confidence":0.9770508,"punctuated_word":"three,","sentiment":"neutral","sentiment_score":-0.14540977776050568},{"word":"four","start":840.305,"end":840.625,"confidence":0.9951172,"punctuated_word":"four,","sentiment":"neutral","sentiment_score":-0.11739078909158708},{"word":"5%","start":840.625,"end":841.51,"confidence":0.8843994,"punctuated_word":"5%,","sentiment":"neutral","sentiment_score":-0.12039568275213242},{"word":"so","start":841.51,"end":841.82996,"confidence":0.70703125,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.1059408187866211},{"word":"nothing","start":841.82996,"end":842.32996,"confidence":1.0,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":-0.16271930932998657},{"word":"really","start":842.39,"end":842.87,"confidence":0.9499512,"punctuated_word":"really,","sentiment":"neutral","sentiment_score":-0.17848604917526245},{"word":"really","start":842.87,"end":843.26996,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.20001530647277832},{"word":"scary","start":843.26996,"end":843.75,"confidence":0.9980469,"punctuated_word":"scary","sentiment":"neutral","sentiment_score":-0.19797788560390472},{"word":"as","start":843.75,"end":843.91,"confidence":0.9770508,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.015951961278915405},{"word":"of","start":843.91,"end":844.14996,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02909449301660061},{"word":"yet","start":844.14996,"end":844.64996,"confidence":0.9733887,"punctuated_word":"yet.","sentiment":"neutral","sentiment_score":-0.006386930122971535},{"word":"so","start":844.70996,"end":845.11,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07141175121068954},{"word":"yeah","start":845.19,"end":845.69,"confidence":0.99902344,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.10261927545070648},{"word":"all","start":846.47,"end":846.70996,"confidence":0.9550781,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.26565733551979065},{"word":"good","start":846.70996,"end":847.20996,"confidence":1.0,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.22682079672813416},{"word":"but","start":847.99,"end":848.23,"confidence":0.8510742,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.09777872264385223},{"word":"with","start":848.23,"end":848.39,"confidence":0.98291016,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06271642446517944},{"word":"this","start":848.39,"end":848.63,"confidence":0.97998047,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.07016124576330185},{"word":"one","start":848.63,"end":848.70996,"confidence":0.9223633,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.06488612294197083},{"word":"here","start":848.70996,"end":848.95,"confidence":0.9980469,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.06633635610342026},{"word":"peter","start":848.95,"end":849.26996,"confidence":0.9904785,"punctuated_word":"Peter,","sentiment":"neutral","sentiment_score":0.0380491241812706},{"word":"the","start":849.26996,"end":849.43,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.052314694970846176},{"word":"only","start":849.43,"end":849.67,"confidence":0.9980469,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.0294286347925663},{"word":"other","start":849.67,"end":849.82996,"confidence":0.9970703,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.03624178469181061},{"word":"changes","start":849.82996,"end":850.32996,"confidence":0.96972656,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.035310354083776474},{"word":"are","start":850.39,"end":850.55,"confidence":0.81640625,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.02528516575694084},{"word":"you've","start":850.55,"end":850.79,"confidence":0.86865234,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.03230484947562218},{"word":"got","start":850.79,"end":851.02997,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.021363254636526108},{"word":"some","start":851.02997,"end":851.19,"confidence":0.8881836,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.01109655573964119},{"word":"s","start":851.19,"end":851.35,"confidence":0.56103516,"punctuated_word":"s","sentiment":"neutral","sentiment_score":0.017707131803035736},{"word":"and","start":851.35,"end":851.51,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.00991780124604702},{"word":"p","start":851.51,"end":851.75,"confidence":0.98535156,"punctuated_word":"p","sentiment":"neutral","sentiment_score":0.01247734110802412},{"word":"500","start":851.75,"end":852.39,"confidence":0.8687744,"punctuated_word":"500.","sentiment":"neutral","sentiment_score":0.0007864476647228003},{"word":"so","start":852.39,"end":852.55,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06272602826356888},{"word":"we're","start":852.55,"end":852.87,"confidence":0.9824219,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.10431890934705734},{"word":"rebalancing","start":852.87,"end":853.37,"confidence":0.99869794,"punctuated_word":"rebalancing","sentiment":"neutral","sentiment_score":0.0882418304681778},{"word":"that","start":853.51,"end":853.75,"confidence":0.9074707,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.07840117812156677},{"word":"keeping","start":853.75,"end":854.25,"confidence":1.0,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.09782230854034424},{"word":"in","start":854.63,"end":854.87,"confidence":0.96435547,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1347525268793106},{"word":"that","start":854.87,"end":855.11,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13932102918624878},{"word":"one","start":855.11,"end":855.61,"confidence":0.9970703,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.1185714155435562},{"word":"i","start":855.615,"end":855.77496,"confidence":0.9838867,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11788096278905869},{"word":"know","start":855.77496,"end":855.935,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.07838954031467438},{"word":"it","start":855.935,"end":856.015,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1150294616818428},{"word":"is","start":856.015,"end":856.255,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08520377427339554},{"word":"a","start":856.255,"end":856.495,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1015562266111374},{"word":"us","start":856.495,"end":856.815,"confidence":0.99902344,"punctuated_word":"US","sentiment":"neutral","sentiment_score":-0.013779565691947935},{"word":"investment","start":856.815,"end":857.295,"confidence":0.93310547,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":0.0063490476459264755},{"word":"and","start":857.295,"end":857.535,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.003396458923816681},{"word":"there","start":857.535,"end":857.695,"confidence":0.9951172,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.0038114339113235474},{"word":"are","start":857.695,"end":857.855,"confidence":0.9970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.0013385415077209473},{"word":"some","start":857.855,"end":858.015,"confidence":0.9921875,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.03498929738998413},{"word":"people","start":858.015,"end":858.33496,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.018555499613285065},{"word":"who","start":858.33496,"end":858.495,"confidence":0.99902344,"punctuated_word":"who","sentiment":"neutral","sentiment_score":-0.017161834985017776},{"word":"are","start":858.495,"end":858.57495,"confidence":0.8520508,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.029324542731046677},{"word":"a","start":858.57495,"end":858.65497,"confidence":0.9160156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05532760173082352},{"word":"bit","start":858.65497,"end":858.895,"confidence":0.9970703,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.09936827421188354},{"word":"skeptical","start":858.895,"end":859.395,"confidence":0.9980469,"punctuated_word":"skeptical","sentiment":"neutral","sentiment_score":-0.1016627550125122},{"word":"about","start":859.455,"end":859.77496,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.10602176189422607},{"word":"the","start":859.77496,"end":860.015,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.041455984115600586},{"word":"us","start":860.015,"end":860.33496,"confidence":1.0,"punctuated_word":"US","sentiment":"neutral","sentiment_score":0.001777946949005127},{"word":"investments","start":860.33496,"end":860.735,"confidence":0.72387695,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.01313229277729988},{"word":"but","start":860.735,"end":860.975,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.14126816391944885},{"word":"it","start":860.975,"end":861.055,"confidence":0.99902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4893712103366852},{"word":"is","start":861.055,"end":861.21497,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4980834722518921},{"word":"still","start":861.21497,"end":861.455,"confidence":0.9970703,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.4710452258586883},{"word":"a","start":861.455,"end":861.535,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6956818103790283},{"word":"great","start":861.535,"end":861.855,"confidence":0.99902344,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.7621033787727356},{"word":"place","start":861.855,"end":862.095,"confidence":0.9970703,"punctuated_word":"place","sentiment":"positive","sentiment_score":0.6475657224655151},{"word":"to","start":862.095,"end":862.175,"confidence":0.9970703,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6322852969169617},{"word":"be","start":862.175,"end":862.415,"confidence":0.9440918,"punctuated_word":"be.","sentiment":"positive","sentiment_score":0.6035071611404419},{"word":"and","start":862.415,"end":862.65497,"confidence":1.0,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.48727577924728394},{"word":"especially","start":862.65497,"end":863.055,"confidence":0.81640625,"punctuated_word":"especially","sentiment":"positive","sentiment_score":0.5664042830467224},{"word":"with","start":863.055,"end":863.21497,"confidence":0.98291016,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.5882328748703003},{"word":"what","start":863.21497,"end":863.455,"confidence":0.99902344,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.503043532371521},{"word":"trump","start":863.455,"end":863.77496,"confidence":0.9970703,"punctuated_word":"Trump","sentiment":"positive","sentiment_score":0.4903643727302551},{"word":"is","start":863.77496,"end":863.935,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.43174222111701965},{"word":"doing","start":863.935,"end":864.255,"confidence":1.0,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.4133633375167846},{"word":"now","start":864.255,"end":864.495,"confidence":0.9921875,"punctuated_word":"now,","sentiment":"positive","sentiment_score":0.45547163486480713},{"word":"it's","start":864.495,"end":864.735,"confidence":1.0,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.5268463492393494},{"word":"benefiting","start":864.735,"end":865.235,"confidence":0.9941406,"punctuated_word":"benefiting","sentiment":"positive","sentiment_score":0.488567590713501},{"word":"the","start":865.295,"end":865.615,"confidence":0.9941406,"punctuated_word":"The","sentiment":"positive","sentiment_score":0.33398374915122986},{"word":"us","start":865.615,"end":866.015,"confidence":0.77001953,"punctuated_word":"US,","sentiment":"positive","sentiment_score":0.4575422406196594},{"word":"so","start":866.015,"end":866.515,"confidence":0.99902344,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.46053817868232727},{"word":"it's","start":867.135,"end":867.375,"confidence":0.9875488,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.617923378944397},{"word":"still","start":867.375,"end":867.615,"confidence":1.0,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.4993511140346527},{"word":"good","start":867.615,"end":867.77496,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.5825659036636353},{"word":"to","start":867.77496,"end":867.935,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.528315007686615},{"word":"be","start":867.935,"end":868.175,"confidence":1.0,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.4573288857936859},{"word":"invested","start":868.175,"end":868.675,"confidence":0.9873047,"punctuated_word":"invested","sentiment":"positive","sentiment_score":0.4697957932949066},{"word":"in","start":868.735,"end":868.815,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5979489088058472},{"word":"that","start":868.815,"end":869.31,"confidence":1.0,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.3936655819416046},{"word":"the","start":869.39,"end":869.55,"confidence":0.9970703,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.19425632059574127},{"word":"thing","start":869.55,"end":869.71,"confidence":0.9980469,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.23880964517593384},{"word":"i","start":869.71,"end":869.95,"confidence":0.9243164,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.23588161170482635},{"word":"like","start":869.95,"end":870.27,"confidence":0.98828125,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.2779301702976227},{"word":"about","start":870.27,"end":870.43,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.12830999493598938},{"word":"the","start":870.43,"end":870.59,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15361517667770386},{"word":"s","start":870.59,"end":870.83,"confidence":0.78515625,"punctuated_word":"S","sentiment":"neutral","sentiment_score":0.1339065134525299},{"word":"and","start":870.83,"end":870.99,"confidence":0.9716797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11280246078968048},{"word":"p","start":870.99,"end":871.23,"confidence":0.9970703,"punctuated_word":"P","sentiment":"neutral","sentiment_score":0.09482543170452118},{"word":"500","start":871.23,"end":871.95,"confidence":1.0,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.1544683873653412},{"word":"is","start":871.95,"end":872.19,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10416994243860243},{"word":"that","start":872.19,"end":872.43,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11837660521268845},{"word":"it","start":872.43,"end":872.59,"confidence":0.9819336,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1164407730102539},{"word":"is","start":872.59,"end":872.75,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12390207499265672},{"word":"the","start":872.75,"end":872.91,"confidence":0.578125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1326591968536377},{"word":"top","start":872.91,"end":873.15,"confidence":0.9633789,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.14697480201721191},{"word":"500","start":873.15,"end":873.87,"confidence":0.9995117,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.14361657202243805},{"word":"companies","start":873.87,"end":874.35,"confidence":0.82128906,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.1222616583108902},{"word":"in","start":874.35,"end":874.51,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1066351979970932},{"word":"the","start":874.51,"end":874.83,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.08495617657899857},{"word":"us","start":874.83,"end":875.31,"confidence":0.94921875,"punctuated_word":"US,","sentiment":"neutral","sentiment_score":0.11572428792715073},{"word":"and","start":875.31,"end":875.63,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11827819049358368},{"word":"it","start":875.63,"end":875.87,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1031288355588913},{"word":"tracks","start":875.87,"end":876.19,"confidence":0.9472656,"punctuated_word":"tracks","sentiment":"neutral","sentiment_score":0.15494976937770844},{"word":"the","start":876.19,"end":876.43,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14946740865707395},{"word":"s","start":876.43,"end":876.59,"confidence":0.9970703,"punctuated_word":"S","sentiment":"neutral","sentiment_score":0.10084929317235948},{"word":"and","start":876.59,"end":876.75,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12835541367530823},{"word":"p","start":876.75,"end":876.99,"confidence":0.99902344,"punctuated_word":"P","sentiment":"neutral","sentiment_score":0.09085911512374878},{"word":"500","start":876.99,"end":877.63,"confidence":1.0,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.15856634080410004},{"word":"index","start":877.63,"end":878.13,"confidence":0.9748535,"punctuated_word":"index.","sentiment":"neutral","sentiment_score":0.15745805203914642},{"word":"the","start":878.75,"end":878.99,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.1233123242855072},{"word":"investment","start":878.99,"end":879.49,"confidence":0.98535156,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.06798447668552399},{"word":"committee","start":879.55,"end":879.95,"confidence":0.9838867,"punctuated_word":"committee","sentiment":"neutral","sentiment_score":0.11593267321586607},{"word":"for","start":879.95,"end":880.11,"confidence":0.7216797,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10380875319242476},{"word":"the","start":880.11,"end":880.27,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09894930571317671},{"word":"index","start":880.27,"end":880.77,"confidence":0.99902344,"punctuated_word":"index","sentiment":"neutral","sentiment_score":0.10367612540721892},{"word":"actually","start":880.83,"end":881.23,"confidence":0.9658203,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.10083355009555817},{"word":"do","start":881.23,"end":881.47,"confidence":0.72802734,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12235505878925323},{"word":"meet","start":881.47,"end":881.79,"confidence":0.98095703,"punctuated_word":"meet","sentiment":"neutral","sentiment_score":0.099169559776783},{"word":"every","start":881.79,"end":882.11,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.10337257385253906},{"word":"quarter","start":882.11,"end":882.61,"confidence":0.9753418,"punctuated_word":"quarter,","sentiment":"neutral","sentiment_score":0.1174839362502098},{"word":"and","start":882.935,"end":883.175,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10417982190847395},{"word":"they","start":883.175,"end":883.495,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.1050478368997574},{"word":"essentially","start":883.495,"end":883.995,"confidence":0.9580078,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.08449486643075943},{"word":"assess","start":885.095,"end":885.495,"confidence":0.6279297,"punctuated_word":"assess","sentiment":"neutral","sentiment_score":0.06192949786782265},{"word":"the","start":885.495,"end":885.65497,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07811363786458969},{"word":"companies","start":885.65497,"end":886.15497,"confidence":0.984375,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.08142216503620148},{"word":"in","start":886.21497,"end":886.45496,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11092418432235718},{"word":"the","start":886.45496,"end":886.615,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11837083101272584},{"word":"index","start":886.615,"end":887.01495,"confidence":0.9946289,"punctuated_word":"index.","sentiment":"neutral","sentiment_score":0.11210142076015472},{"word":"so","start":887.01495,"end":887.175,"confidence":0.98535156,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05815067142248154},{"word":"if","start":887.175,"end":887.33496,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.007845692336559296},{"word":"a","start":887.33496,"end":887.495,"confidence":0.93603516,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.004152458161115646},{"word":"company","start":887.495,"end":887.975,"confidence":1.0,"punctuated_word":"company","sentiment":"neutral","sentiment_score":-0.0314009003341198},{"word":"isn't","start":887.975,"end":888.45496,"confidence":0.99316406,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.013764409348368645},{"word":"doesn't","start":888.77496,"end":889.01495,"confidence":0.9995117,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.026625171303749084},{"word":"meet","start":889.01495,"end":889.255,"confidence":0.99316406,"punctuated_word":"meet","sentiment":"neutral","sentiment_score":-0.02174927294254303},{"word":"the","start":889.255,"end":889.415,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.004703260958194733},{"word":"criteria","start":889.415,"end":889.915,"confidence":1.0,"punctuated_word":"criteria","sentiment":"neutral","sentiment_score":-0.03166007995605469},{"word":"to","start":890.055,"end":890.21497,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.018541932106018063},{"word":"be","start":890.21497,"end":890.295,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.03628235310316086},{"word":"in","start":890.295,"end":890.45496,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0707680732011795},{"word":"the","start":890.45496,"end":890.615,"confidence":0.9550781,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01881478726863861},{"word":"top","start":890.615,"end":890.855,"confidence":0.99609375,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.022132307291030884},{"word":"500","start":890.855,"end":891.595,"confidence":0.99194336,"punctuated_word":"500,","sentiment":"neutral","sentiment_score":-0.0015891268849372864},{"word":"they","start":892.055,"end":892.21497,"confidence":0.95166016,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.04283707216382027},{"word":"are","start":892.21497,"end":892.45496,"confidence":0.99121094,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.038427308201789856},{"word":"removed","start":892.45496,"end":892.935,"confidence":0.9970703,"punctuated_word":"removed","sentiment":"neutral","sentiment_score":-0.14774110913276672},{"word":"out","start":892.935,"end":893.415,"confidence":0.6621094,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":-0.030549759045243263},{"word":"and","start":893.415,"end":893.57495,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.021119602024555206},{"word":"others","start":893.57495,"end":893.975,"confidence":0.9921875,"punctuated_word":"others","sentiment":"neutral","sentiment_score":-0.09477146714925766},{"word":"are","start":893.975,"end":894.135,"confidence":0.7036133,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.02484012395143509},{"word":"put","start":894.135,"end":894.295,"confidence":0.5644531,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.016571909189224243},{"word":"in","start":894.295,"end":894.45496,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.022267498075962067},{"word":"their","start":894.45496,"end":894.695,"confidence":0.97265625,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.029667995870113373},{"word":"place","start":894.695,"end":895.01495,"confidence":0.9123535,"punctuated_word":"place.","sentiment":"neutral","sentiment_score":-0.019322790205478668},{"word":"so","start":895.01495,"end":895.175,"confidence":0.8354492,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03553347662091255},{"word":"you","start":895.175,"end":895.415,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.041666120290756226},{"word":"are","start":895.415,"end":895.65497,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.06156632676720619},{"word":"always","start":895.65497,"end":895.975,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.06522984802722931},{"word":"tracking","start":895.975,"end":896.375,"confidence":0.9448242,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.025462351739406586},{"word":"the","start":896.375,"end":896.535,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0007236972451210022},{"word":"top","start":896.535,"end":896.77496,"confidence":0.9970703,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.004988923668861389},{"word":"500","start":896.77496,"end":897.415,"confidence":1.0,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.033666081726551056},{"word":"companies","start":897.415,"end":897.915,"confidence":0.8852539,"punctuated_word":"companies,","sentiment":"neutral","sentiment_score":0.021962881088256836},{"word":"and","start":898.25,"end":898.49,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.029012177139520645},{"word":"that","start":898.49,"end":898.64996,"confidence":0.9707031,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03801984339952469},{"word":"way","start":898.64996,"end":898.88995,"confidence":0.99902344,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.0585566945374012},{"word":"you're","start":898.88995,"end":899.05,"confidence":0.7927246,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.07089098542928696},{"word":"not","start":899.05,"end":899.20996,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.11543284356594086},{"word":"in","start":899.20996,"end":899.37,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2100992500782013},{"word":"companies","start":899.37,"end":899.85,"confidence":1.0,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":-0.2693939805030823},{"word":"that","start":899.85,"end":900.01,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.19744235277175903},{"word":"are","start":900.01,"end":900.08997,"confidence":0.99609375,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.16430960595607758},{"word":"underperforming","start":900.08997,"end":900.58997,"confidence":0.9885254,"punctuated_word":"underperforming","sentiment":"neutral","sentiment_score":-0.14832617342472076},{"word":"against","start":900.88995,"end":901.37,"confidence":0.99902344,"punctuated_word":"against","sentiment":"neutral","sentiment_score":-0.15947920083999634},{"word":"the","start":901.37,"end":901.45,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1860940307378769},{"word":"market","start":901.45,"end":901.85,"confidence":1.0,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.10263310372829436},{"word":"and","start":901.85,"end":902.01,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.19271858036518097},{"word":"don't","start":902.01,"end":902.25,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1472291201353073},{"word":"meet","start":902.25,"end":902.49,"confidence":0.9560547,"punctuated_word":"meet","sentiment":"neutral","sentiment_score":-0.115573912858963},{"word":"that","start":902.49,"end":902.73,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07837077975273132},{"word":"criteria","start":902.73,"end":903.23,"confidence":1.0,"punctuated_word":"criteria.","sentiment":"neutral","sentiment_score":-0.1076338142156601},{"word":"okay","start":903.93,"end":904.43,"confidence":0.88305664,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.02784787490963936},{"word":"yeah","start":905.29,"end":905.79,"confidence":0.98583984,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08030389249324799},{"word":"a","start":906.81,"end":906.97,"confidence":0.90527344,"punctuated_word":"A","sentiment":"neutral","sentiment_score":0.08035221695899963},{"word":"bit","start":906.97,"end":907.13,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.08442027121782303},{"word":"more","start":907.13,"end":907.37,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.07511323690414429},{"word":"diversification","start":907.37,"end":907.87,"confidence":0.99853516,"punctuated_word":"diversification","sentiment":"neutral","sentiment_score":0.10482517629861832},{"word":"with","start":908.25,"end":908.41,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.11901813745498656},{"word":"the","start":908.41,"end":908.57,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1613452434539795},{"word":"vanguard","start":908.57,"end":909.07,"confidence":0.99609375,"punctuated_word":"Vanguard","sentiment":"neutral","sentiment_score":0.1385979205369949},{"word":"all","start":909.20996,"end":909.45,"confidence":0.64990234,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.19213680922985077},{"word":"world","start":909.45,"end":909.95,"confidence":0.99609375,"punctuated_word":"World","sentiment":"neutral","sentiment_score":0.21873977780342105},{"word":"index","start":910.01,"end":910.51,"confidence":0.65283203,"punctuated_word":"Index,","sentiment":"neutral","sentiment_score":0.13529133796691897},{"word":"excluding","start":911.035,"end":911.355,"confidence":0.984375,"punctuated_word":"excluding","sentiment":"neutral","sentiment_score":0.06939329206943512},{"word":"the","start":911.355,"end":911.675,"confidence":0.9970703,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.04980490356683731},{"word":"us","start":911.675,"end":911.995,"confidence":0.9970703,"punctuated_word":"US","sentiment":"neutral","sentiment_score":0.0649256780743599},{"word":"because","start":911.995,"end":912.235,"confidence":0.76660156,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.09581532329320908},{"word":"we","start":912.235,"end":912.395,"confidence":0.96875,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13451604545116425},{"word":"have","start":912.395,"end":912.555,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13062860071659088},{"word":"the","start":912.555,"end":912.715,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12975174188613892},{"word":"s","start":912.715,"end":912.875,"confidence":0.86279297,"punctuated_word":"S","sentiment":"neutral","sentiment_score":0.1069864109158516},{"word":"and","start":912.875,"end":913.035,"confidence":0.9707031,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12194809317588806},{"word":"p","start":913.035,"end":913.275,"confidence":0.99902344,"punctuated_word":"P","sentiment":"neutral","sentiment_score":0.11114276945590972},{"word":"500","start":913.275,"end":913.915,"confidence":0.99853516,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.17705151438713074},{"word":"there","start":913.915,"end":914.415,"confidence":0.84228516,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.16921934485435486},{"word":"making","start":914.555,"end":914.875,"confidence":0.98291016,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.21544794738292697},{"word":"sure","start":914.875,"end":915.195,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.1858605146408081},{"word":"that","start":915.195,"end":915.435,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16850827634334564},{"word":"we're","start":915.435,"end":915.675,"confidence":0.9980469,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.2043817043304443},{"word":"diversifying","start":915.675,"end":916.175,"confidence":1.0,"punctuated_word":"diversifying","sentiment":"neutral","sentiment_score":0.17944878339767456},{"word":"your","start":916.395,"end":916.555,"confidence":0.96875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.21167366206645968},{"word":"portfolio","start":916.555,"end":917.055,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.14686241745948792},{"word":"because","start":917.195,"end":917.675,"confidence":0.85546875,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.1978648602962494},{"word":"you","start":917.675,"end":917.835,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27891281247138977},{"word":"guys","start":917.835,"end":918.075,"confidence":0.99902344,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.26292186975479126},{"word":"are","start":918.075,"end":918.315,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2227720320224762},{"word":"about","start":918.315,"end":918.635,"confidence":0.99121094,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.2146538496017456},{"word":"ten","start":918.635,"end":918.795,"confidence":0.99902344,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.21787703037261963},{"word":"years","start":918.795,"end":919.195,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.1821337044239044},{"word":"out","start":919.195,"end":919.355,"confidence":0.86694336,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.15223324298858645},{"word":"but","start":919.355,"end":919.515,"confidence":0.97802734,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.15951834619045258},{"word":"you","start":919.515,"end":919.675,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16110581159591675},{"word":"are","start":919.675,"end":919.995,"confidence":0.5371094,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.14007265865802765},{"word":"closer","start":919.995,"end":920.495,"confidence":0.91503906,"punctuated_word":"closer","sentiment":"neutral","sentiment_score":0.09687269479036333},{"word":"to","start":920.555,"end":920.715,"confidence":0.9716797,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18850025534629825},{"word":"time","start":920.715,"end":920.955,"confidence":0.35620117,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.16399188339710236},{"word":"at","start":920.955,"end":921.035,"confidence":0.54296875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.13564571738243103},{"word":"years","start":921.035,"end":921.535,"confidence":0.8322754,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.17504596710205078},{"word":"diversification","start":922.235,"end":922.735,"confidence":0.9900716,"punctuated_word":"Diversification","sentiment":"neutral","sentiment_score":0.17135147750377655},{"word":"to","start":923.195,"end":923.275,"confidence":0.9863281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19578209519386292},{"word":"help","start":923.275,"end":923.515,"confidence":0.9941406,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.24991700053215027},{"word":"lower","start":923.515,"end":923.835,"confidence":0.9980469,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.20677386224269867},{"word":"the","start":923.835,"end":923.995,"confidence":0.97802734,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2305319458246231},{"word":"risk","start":923.995,"end":924.315,"confidence":0.80078125,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.17397043108940125},{"word":"of","start":924.315,"end":924.475,"confidence":0.95410156,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22952839732170105},{"word":"making","start":924.475,"end":924.795,"confidence":0.99609375,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.26602479815483093},{"word":"sure","start":924.795,"end":925.115,"confidence":0.96875,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.28687646985054016},{"word":"we're","start":925.115,"end":925.275,"confidence":0.9279785,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.2553504705429077},{"word":"hitting","start":925.275,"end":925.595,"confidence":0.9819336,"punctuated_word":"hitting","sentiment":"neutral","sentiment_score":0.28137487173080444},{"word":"as","start":925.595,"end":925.835,"confidence":0.86035156,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2775014638900757},{"word":"many","start":925.835,"end":925.995,"confidence":0.9614258,"punctuated_word":"many","sentiment":"neutral","sentiment_score":0.28585782647132874},{"word":"markets","start":925.995,"end":926.34,"confidence":0.74365234,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":0.2259332835674286},{"word":"as","start":927.38,"end":927.62,"confidence":0.50634766,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.28800588846206665},{"word":"we","start":927.62,"end":927.86005,"confidence":0.6855469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.23779909312725067},{"word":"can","start":927.86005,"end":928.10004,"confidence":0.6791992,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2539367079734802},{"word":"for","start":928.10004,"end":928.18005,"confidence":0.6459961,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.20269644260406497},{"word":"you","start":928.18005,"end":928.68005,"confidence":0.61083984,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.18583938479423523},{"word":"and","start":928.98004,"end":929.38,"confidence":0.51904297,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.20487000048160553},{"word":"try","start":929.38,"end":929.54004,"confidence":0.4255371,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.222240686416626},{"word":"to","start":929.54004,"end":929.94,"confidence":0.80566406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22334295511245728},{"word":"keep","start":929.94,"end":930.12665,"confidence":0.8803711,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.22338351607322693},{"word":"the","start":930.12665,"end":930.31335,"confidence":0.77685547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25297650694847107},{"word":"investments","start":930.31335,"end":930.5,"confidence":0.7324219,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.1814936101436615},{"word":"a","start":930.5,"end":930.6867,"confidence":0.85595703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2917061448097229},{"word":"bit","start":930.6867,"end":930.87335,"confidence":0.70410156,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2701341509819031},{"word":"more","start":930.87335,"end":931.06,"confidence":0.8144531,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.24920654296875},{"word":"passive","start":931.06,"end":931.46,"confidence":0.6591797,"punctuated_word":"passive,","sentiment":"neutral","sentiment_score":0.273362934589386},{"word":"low","start":931.46,"end":931.78,"confidence":0.8984375,"punctuated_word":"low","sentiment":"neutral","sentiment_score":0.27447086572647095},{"word":"cost","start":931.78,"end":932.10004,"confidence":0.86865234,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.3111153244972229},{"word":"so","start":932.10004,"end":932.34,"confidence":0.68652344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.3049364984035492},{"word":"things","start":932.34,"end":932.5,"confidence":0.8144531,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.43826809525489807},{"word":"are","start":932.5,"end":932.74005,"confidence":0.9277344,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.33682867884635925},{"word":"working","start":932.74005,"end":933.24005,"confidence":0.8574219,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.4332627058029175},{"word":"for","start":933.38,"end":933.46,"confidence":0.7631836,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3666529953479767},{"word":"you","start":933.46,"end":933.62006,"confidence":0.81884766,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.27409249544143677},{"word":"but","start":933.62006,"end":933.7,"confidence":0.88183594,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.25151607394218445},{"word":"you","start":933.7,"end":933.86005,"confidence":0.9013672,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2056865990161896},{"word":"don't","start":933.86005,"end":934.10004,"confidence":0.9433594,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.1517983376979828},{"word":"wanna","start":934.10004,"end":934.42004,"confidence":0.88671875,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.16373105347156525},{"word":"be","start":934.42004,"end":934.58,"confidence":0.86328125,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.15898191928863523},{"word":"paying","start":934.58,"end":934.82,"confidence":0.875,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.1012026071548462},{"word":"everything","start":934.82,"end":935.22003,"confidence":0.76464844,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.1120421141386032},{"word":"out","start":935.22003,"end":935.38,"confidence":0.51904297,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.151644766330719},{"word":"in","start":935.38,"end":935.54004,"confidence":0.90625,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15912222862243652},{"word":"investment","start":935.54004,"end":936.04004,"confidence":0.8510742,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.014712117612361908},{"word":"fees","start":936.10004,"end":936.42004,"confidence":0.8964844,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.13150277733802795},{"word":"as","start":936.42004,"end":936.58,"confidence":0.96435547,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1720605492591858},{"word":"well","start":936.58,"end":937.06,"confidence":0.94555664,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.18391743302345276},{"word":"so","start":937.06,"end":937.56,"confidence":0.94628906,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.20921379327774048},{"word":"this","start":937.7,"end":937.94,"confidence":0.90283203,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.40379276871681213},{"word":"is","start":937.94,"end":938.10004,"confidence":0.9506836,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4127354919910431},{"word":"a","start":938.10004,"end":938.26,"confidence":0.94970703,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.43407344818115234},{"word":"really","start":938.26,"end":938.58,"confidence":0.9013672,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.4543080329895019},{"word":"good","start":938.58,"end":938.74005,"confidence":0.9394531,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.40901729464530945},{"word":"portfolio","start":938.74005,"end":939.24005,"confidence":0.9482422,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.3968343138694763},{"word":"for","start":939.46,"end":939.62006,"confidence":0.93603516,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4106264412403106},{"word":"getting","start":939.62006,"end":939.94,"confidence":0.9165039,"punctuated_word":"getting","sentiment":"positive","sentiment_score":0.3939206004142761},{"word":"closer","start":939.94,"end":940.26,"confidence":0.92333984,"punctuated_word":"closer","sentiment":"neutral","sentiment_score":0.32117635011672974},{"word":"to","start":940.26,"end":940.42004,"confidence":0.9902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.47475793957710266},{"word":"those","start":940.42004,"end":940.66003,"confidence":0.98828125,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.4649455547332764},{"word":"retirement","start":940.66003,"end":941.16003,"confidence":0.9707031,"punctuated_word":"retirement","sentiment":"positive","sentiment_score":0.3741755783557892},{"word":"years","start":941.22003,"end":941.72003,"confidence":0.9875488,"punctuated_word":"years.","sentiment":"positive","sentiment_score":0.3638184070587158},{"word":"the","start":943.115,"end":943.355,"confidence":0.9819336,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.20763584971427915},{"word":"beta","start":943.355,"end":943.675,"confidence":0.68603516,"punctuated_word":"beta","sentiment":"neutral","sentiment_score":0.2689242959022522},{"word":"shares","start":943.675,"end":944.075,"confidence":0.7011719,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.19259516894817352},{"word":"a","start":944.075,"end":944.315,"confidence":0.75390625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22571593523025513},{"word":"200","start":944.315,"end":944.955,"confidence":0.9868164,"punctuated_word":"200,","sentiment":"neutral","sentiment_score":0.2175737023353577},{"word":"which","start":944.955,"end":945.115,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.19519659876823425},{"word":"is","start":945.115,"end":945.275,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.164854034781456},{"word":"the","start":945.275,"end":945.435,"confidence":0.9838867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18687358498573303},{"word":"top","start":945.435,"end":945.675,"confidence":0.99609375,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.22327640652656555},{"word":"200","start":945.675,"end":946.235,"confidence":1.0,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.24392467737197876},{"word":"companies","start":946.235,"end":946.735,"confidence":0.9941406,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.23076750338077545},{"word":"on","start":946.795,"end":946.955,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.22466669976711273},{"word":"the","start":946.955,"end":947.195,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2153531312942505},{"word":"asx","start":947.195,"end":947.695,"confidence":0.92008466,"punctuated_word":"ASX,","sentiment":"neutral","sentiment_score":0.21930460631847384},{"word":"and","start":947.915,"end":948.155,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16402943432331085},{"word":"then","start":948.155,"end":948.315,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1718338131904602},{"word":"we've","start":948.315,"end":948.555,"confidence":0.99902344,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.17377351224422455},{"word":"got","start":948.555,"end":948.795,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.19711676239967343},{"word":"core","start":948.795,"end":949.035,"confidence":0.87841797,"punctuated_word":"core","sentiment":"neutral","sentiment_score":0.1592654585838318},{"word":"composite","start":949.035,"end":949.535,"confidence":0.9873047,"punctuated_word":"composite","sentiment":"neutral","sentiment_score":0.17739100754261017},{"word":"bonds","start":949.59503,"end":949.995,"confidence":0.93969727,"punctuated_word":"bonds.","sentiment":"neutral","sentiment_score":0.17908790707588196},{"word":"these","start":949.995,"end":950.235,"confidence":0.9873047,"punctuated_word":"These","sentiment":"neutral","sentiment_score":0.14006638526916504},{"word":"are","start":950.235,"end":950.395,"confidence":0.9970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.14502152800559998},{"word":"defensive","start":950.395,"end":950.895,"confidence":0.87841797,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.14627358317375183},{"word":"investments","start":951.035,"end":951.535,"confidence":0.9802246,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.17858754098415375},{"word":"the","start":952.155,"end":952.315,"confidence":0.97265625,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.1633887141942978},{"word":"core","start":952.315,"end":952.555,"confidence":0.99902344,"punctuated_word":"core","sentiment":"neutral","sentiment_score":0.1492365598678589},{"word":"composite","start":952.555,"end":953.035,"confidence":0.9790039,"punctuated_word":"composite","sentiment":"neutral","sentiment_score":0.15668663382530212},{"word":"bonds","start":953.035,"end":953.435,"confidence":0.97802734,"punctuated_word":"bonds","sentiment":"neutral","sentiment_score":0.24037258327007296},{"word":"are","start":953.435,"end":953.675,"confidence":0.93115234,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.16724812984466553},{"word":"government","start":953.675,"end":954.155,"confidence":0.9760742,"punctuated_word":"government","sentiment":"neutral","sentiment_score":0.24189035594463348},{"word":"as","start":954.155,"end":954.315,"confidence":0.8408203,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15251559019088745},{"word":"well","start":954.315,"end":954.475,"confidence":0.9506836,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.13736779987812042},{"word":"as","start":954.475,"end":954.93,"confidence":0.86035156,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.19136130809783936},{"word":"banking","start":955.01,"end":955.33,"confidence":0.99609375,"punctuated_word":"banking","sentiment":"neutral","sentiment_score":0.1748945415019989},{"word":"bonds","start":955.33,"end":955.57,"confidence":0.9980469,"punctuated_word":"bonds","sentiment":"neutral","sentiment_score":0.2125985026359558},{"word":"and","start":955.57,"end":955.89,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1766381561756134},{"word":"company","start":955.89,"end":956.29,"confidence":1.0,"punctuated_word":"company","sentiment":"neutral","sentiment_score":0.15266796946525574},{"word":"bonds","start":956.29,"end":956.79,"confidence":0.96972656,"punctuated_word":"bonds.","sentiment":"neutral","sentiment_score":0.1916204988956451},{"word":"inside","start":956.85,"end":957.25,"confidence":0.9980469,"punctuated_word":"Inside","sentiment":"neutral","sentiment_score":0.20040398836135864},{"word":"this","start":957.25,"end":957.57,"confidence":0.9902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1898804306983948},{"word":"investment","start":957.57,"end":957.97,"confidence":0.9951172,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":0.14948028326034546},{"word":"we","start":957.97,"end":958.21,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.18422988057136536},{"word":"also","start":958.21,"end":958.45,"confidence":0.9970703,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1619417518377304},{"word":"have","start":958.45,"end":958.69,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.21977616846561432},{"word":"things","start":958.69,"end":959.01,"confidence":0.9980469,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.18344029784202576},{"word":"like","start":959.01,"end":959.25,"confidence":0.9604492,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1645577847957611},{"word":"credit","start":959.25,"end":959.64996,"confidence":0.99902344,"punctuated_word":"credit","sentiment":"neutral","sentiment_score":0.19036832451820376},{"word":"notes","start":959.64996,"end":959.97,"confidence":0.85913086,"punctuated_word":"notes,","sentiment":"neutral","sentiment_score":0.20617902278900144},{"word":"and","start":959.97,"end":960.47,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18913720548152924},{"word":"it's","start":960.93,"end":961.17,"confidence":0.94311523,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.19081538915634155},{"word":"not","start":961.17,"end":961.41,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.14175939559936523},{"word":"just","start":961.41,"end":961.73,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16867734491825104},{"word":"australian","start":961.73,"end":962.13,"confidence":0.9716797,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.22004523873329165},{"word":"bonds","start":962.13,"end":962.45,"confidence":0.6496582,"punctuated_word":"bonds.","sentiment":"neutral","sentiment_score":0.23587922751903537},{"word":"it's","start":962.45,"end":962.61,"confidence":0.99609375,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.23662501573562625},{"word":"also","start":962.61,"end":963.08997,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.24211153388023376},{"word":"worldwide","start":963.08997,"end":963.58997,"confidence":0.9873047,"punctuated_word":"worldwide","sentiment":"positive","sentiment_score":0.3339061737060547},{"word":"as","start":963.64996,"end":963.73,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.27126598358154297},{"word":"well","start":963.73,"end":964.05,"confidence":0.91552734,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2161087989807129},{"word":"so","start":964.05,"end":964.29,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2280362844467163},{"word":"it's","start":964.29,"end":964.45,"confidence":0.99316406,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2179750055074692},{"word":"giving","start":964.45,"end":964.69,"confidence":1.0,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.1725725680589676},{"word":"you","start":964.69,"end":964.93,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1825457215309143},{"word":"diversification","start":964.93,"end":965.43,"confidence":0.9851888,"punctuated_word":"diversification,","sentiment":"neutral","sentiment_score":0.2938839793205261},{"word":"low","start":966.37,"end":966.69,"confidence":0.96875,"punctuated_word":"low","sentiment":"neutral","sentiment_score":0.32424235343933105},{"word":"risk","start":966.69,"end":967.08997,"confidence":0.9448242,"punctuated_word":"risk,","sentiment":"neutral","sentiment_score":0.3243107795715332},{"word":"and","start":967.08997,"end":967.41,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.30940118432044983},{"word":"these","start":967.41,"end":967.64996,"confidence":0.9970703,"punctuated_word":"these","sentiment":"positive","sentiment_score":0.3677981197834015},{"word":"sorts","start":967.64996,"end":967.89,"confidence":0.96972656,"punctuated_word":"sorts","sentiment":"positive","sentiment_score":0.3791823089122772},{"word":"of","start":967.89,"end":968.05,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3340800106525421},{"word":"investments","start":968.05,"end":968.52997,"confidence":0.9091797,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.3246936500072479},{"word":"pay","start":968.52997,"end":968.77,"confidence":0.9589844,"punctuated_word":"pay","sentiment":"positive","sentiment_score":0.39452818036079407},{"word":"out","start":968.77,"end":968.93,"confidence":0.57128906,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.36430180072784424},{"word":"dividends","start":968.93,"end":969.43,"confidence":0.9980469,"punctuated_word":"dividends","sentiment":"positive","sentiment_score":0.43702834844589233},{"word":"on","start":969.49,"end":969.64996,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.4500473439693451},{"word":"a","start":969.64996,"end":970.035,"confidence":0.9941406,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3994913101196289},{"word":"monthly","start":970.27496,"end":970.675,"confidence":1.0,"punctuated_word":"monthly","sentiment":"positive","sentiment_score":0.44952037930488586},{"word":"basis","start":970.675,"end":971.07495,"confidence":1.0,"punctuated_word":"basis","sentiment":"positive","sentiment_score":0.3869234323501587},{"word":"so","start":971.07495,"end":971.235,"confidence":0.80126953,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.4303520619869232},{"word":"they","start":971.235,"end":971.39496,"confidence":0.9921875,"punctuated_word":"they","sentiment":"positive","sentiment_score":0.43644222617149353},{"word":"can","start":971.39496,"end":971.555,"confidence":0.99902344,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.44414860010147095},{"word":"help","start":971.555,"end":971.795,"confidence":1.0,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.5129169225692749},{"word":"with","start":971.795,"end":971.95496,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.47658395767211914},{"word":"the","start":971.95496,"end":972.19495,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4687181115150452},{"word":"income","start":972.19495,"end":972.595,"confidence":0.9980469,"punctuated_word":"income","sentiment":"positive","sentiment_score":0.49849677085876465},{"word":"producing","start":972.595,"end":973.07495,"confidence":0.9980469,"punctuated_word":"producing","sentiment":"positive","sentiment_score":0.4652585089206696},{"word":"in","start":973.07495,"end":973.235,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.48762285709381104},{"word":"your","start":973.235,"end":973.475,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4422461688518524},{"word":"portfolio","start":973.475,"end":973.975,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.4201371669769287},{"word":"as","start":974.19495,"end":974.355,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4141612946987152},{"word":"well","start":974.355,"end":974.855,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.31248557567596436},{"word":"okay","start":975.15497,"end":975.65497,"confidence":0.9802246,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.10696079581975936},{"word":"excellent","start":976.915,"end":977.415,"confidence":1.0,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.6565471887588501},{"word":"yeah","start":983.51,"end":984.01,"confidence":0.88061523,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.25012415647506714},{"word":"no","start":989.67,"end":989.91003,"confidence":0.89746094,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1432255357503891},{"word":"you've","start":989.91003,"end":990.15,"confidence":0.8483887,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":-0.13212329149246216},{"word":"at","start":990.31,"end":990.47003,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.22851939499378204},{"word":"the","start":990.47003,"end":990.63,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1793118268251419},{"word":"moment","start":990.63,"end":991.03,"confidence":0.9667969,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.17605578899383545},{"word":"the","start":991.03,"end":991.19,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.177310049533844},{"word":"current","start":991.19,"end":991.59,"confidence":0.96240234,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.250367671251297},{"word":"waiting","start":991.59,"end":991.99,"confidence":0.4802246,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":-0.14612144231796265},{"word":"is","start":991.99,"end":992.23004,"confidence":0.9658203,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.20240719616413116},{"word":"zero","start":992.23004,"end":992.63,"confidence":0.8835449,"punctuated_word":"zero,","sentiment":"neutral","sentiment_score":-0.1770191788673401},{"word":"so","start":992.63,"end":992.79004,"confidence":0.9970703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.1740231215953827},{"word":"you","start":992.79004,"end":993.03,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1728319227695465},{"word":"don't","start":993.03,"end":993.27,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.13724413514137268},{"word":"have","start":993.27,"end":993.51,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.11644701659679411},{"word":"that","start":993.51,"end":993.75,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08310342580080032},{"word":"as","start":993.75,"end":993.99,"confidence":0.99609375,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.18678921461105347},{"word":"of","start":993.99,"end":994.23004,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.121646448969841},{"word":"yet","start":994.23004,"end":994.73004,"confidence":0.9875488,"punctuated_word":"yet.","sentiment":"neutral","sentiment_score":-0.11694207787513732},{"word":"we're","start":994.79004,"end":995.03,"confidence":0.9904785,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.07267230749130249},{"word":"gonna","start":995.03,"end":995.53,"confidence":0.9838867,"punctuated_word":"gonna,","sentiment":"neutral","sentiment_score":0.11743661016225816},{"word":"yeah","start":995.895,"end":996.135,"confidence":0.99658203,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.15113887190818787},{"word":"we're","start":996.135,"end":996.375,"confidence":0.9970703,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.19534897804260257},{"word":"adding","start":996.375,"end":996.775,"confidence":1.0,"punctuated_word":"adding","sentiment":"neutral","sentiment_score":0.1523219794034958},{"word":"that","start":996.775,"end":997.015,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15877941250801086},{"word":"in","start":997.015,"end":997.255,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1764371246099472},{"word":"for","start":997.255,"end":997.49506,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17844775319099426},{"word":"you","start":997.49506,"end":997.895,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.11364680528640748},{"word":"yeah","start":997.895,"end":998.395,"confidence":0.99194336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08228834718465805},{"word":"yep","start":999.655,"end":1000.155,"confidence":0.93359375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10741107165813446},{"word":"yeah","start":1000.695,"end":1001.195,"confidence":0.98168945,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14477130770683289},{"word":"absolutely","start":1004.775,"end":1005.275,"confidence":0.9848633,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.4083517789840698},{"word":"yeah","start":1005.97504,"end":1006.47504,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16041678190231323},{"word":"and","start":1006.93506,"end":1007.09503,"confidence":0.81933594,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09756835550069808},{"word":"at","start":1007.09503,"end":1007.335,"confidence":0.96777344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11030606925487518},{"word":"the","start":1007.335,"end":1007.41504,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0704430490732193},{"word":"moment","start":1007.41504,"end":1007.815,"confidence":0.9802246,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.0651581883430481},{"word":"i","start":1007.815,"end":1007.97504,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.044326093047857285},{"word":"did","start":1007.97504,"end":1008.135,"confidence":0.99609375,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.03493077680468559},{"word":"notice","start":1008.135,"end":1008.53503,"confidence":0.984375,"punctuated_word":"notice","sentiment":"neutral","sentiment_score":0.08246368169784546},{"word":"with","start":1008.53503,"end":1008.695,"confidence":0.9614258,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.046724624931812286},{"word":"your","start":1008.695,"end":1009.015,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08636322617530823},{"word":"portfolio","start":1009.015,"end":1009.515,"confidence":0.98168945,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.046820078045129776},{"word":"you","start":1009.73505,"end":1009.895,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.025830864906311035},{"word":"do","start":1009.895,"end":1010.05505,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.007458768784999847},{"word":"have","start":1010.05505,"end":1010.29504,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.018993407487869263},{"word":"a","start":1010.29504,"end":1010.375,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0033418163657188416},{"word":"little","start":1010.375,"end":1010.695,"confidence":0.99902344,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.01964429020881653},{"word":"bit","start":1010.695,"end":1010.85504,"confidence":0.9970703,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.053030602633953094},{"word":"more","start":1010.85504,"end":1011.09503,"confidence":0.99316406,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.04409334063529968},{"word":"in","start":1011.09503,"end":1011.17505,"confidence":0.98828125,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.02023245394229889},{"word":"cash","start":1011.17505,"end":1011.63,"confidence":0.99316406,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.010064490139484406},{"word":"than","start":1011.63,"end":1011.79,"confidence":0.9614258,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.04479318857192993},{"word":"what","start":1011.79,"end":1011.87,"confidence":0.99316406,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.03683461248874664},{"word":"we'd","start":1011.87,"end":1012.11,"confidence":0.99365234,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":-0.024721896275877953},{"word":"like","start":1012.11,"end":1012.51,"confidence":0.9304199,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":-0.02676607295870781},{"word":"at","start":1012.51,"end":1012.67,"confidence":1.0,"punctuated_word":"At","sentiment":"neutral","sentiment_score":-0.01766344904899597},{"word":"the","start":1012.67,"end":1012.83,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.004761815071105957},{"word":"moment","start":1012.83,"end":1013.15,"confidence":0.98291016,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.0003569386899471283},{"word":"your","start":1013.15,"end":1013.47003,"confidence":0.99316406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.014382444322109222},{"word":"cash","start":1013.47003,"end":1013.63,"confidence":0.99902344,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.004693761467933655},{"word":"balance","start":1013.63,"end":1013.95,"confidence":0.9921875,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":-0.01357472687959671},{"word":"if","start":1014.03,"end":1014.15,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0028941407799720764},{"word":"you","start":1014.15,"end":1014.27,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.008783869445323944},{"word":"go","start":1014.27,"end":1014.51,"confidence":0.99121094,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.04058831185102463},{"word":"down","start":1014.51,"end":1014.67,"confidence":0.9892578,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.05323291569948197},{"word":"to","start":1014.67,"end":1014.83,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03107266128063202},{"word":"the","start":1014.83,"end":1014.91003,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04212620109319687},{"word":"next","start":1014.91003,"end":1015.23,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.048725858330726624},{"word":"page","start":1015.23,"end":1015.73,"confidence":0.9951172,"punctuated_word":"page,","sentiment":"neutral","sentiment_score":0.025923728942871097},{"word":"you","start":1016.11,"end":1016.27,"confidence":0.69921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.014274649322032928},{"word":"have","start":1016.27,"end":1016.51,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.032903462648391724},{"word":"about","start":1016.51,"end":1016.83,"confidence":0.9760742,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.002496495842933655},{"word":"20,000","start":1016.83,"end":1017.55,"confidence":1.0,"punctuated_word":"20,000","sentiment":"neutral","sentiment_score":0.028661388903856277},{"word":"in","start":1017.55,"end":1017.79,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.007094167172908783},{"word":"cash","start":1017.79,"end":1018.11,"confidence":0.8039551,"punctuated_word":"cash.","sentiment":"neutral","sentiment_score":-0.01860184781253338},{"word":"so","start":1018.11,"end":1018.35,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.025496095418930057},{"word":"a","start":1018.35,"end":1018.51,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.005124326795339584},{"word":"lot","start":1018.51,"end":1018.67,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.02451866865158081},{"word":"more","start":1018.67,"end":1018.83,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.0200006440281868},{"word":"in","start":1018.83,"end":1019.07,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.00048697739839553833},{"word":"cash","start":1019.07,"end":1019.31,"confidence":1.0,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.027546405792236328},{"word":"than","start":1019.31,"end":1019.47003,"confidence":0.9970703,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.05067722499370575},{"word":"we","start":1019.47003,"end":1019.63,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.012193575501441956},{"word":"would","start":1019.63,"end":1019.87,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.0031148046255111694},{"word":"wanna","start":1019.87,"end":1020.19,"confidence":0.9707031,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.030401311814785004},{"word":"keep","start":1020.19,"end":1020.51,"confidence":0.97265625,"punctuated_word":"keep.","sentiment":"neutral","sentiment_score":-0.056453999131917953},{"word":"cash","start":1020.51,"end":1020.91003,"confidence":1.0,"punctuated_word":"Cash","sentiment":"neutral","sentiment_score":-0.1692345291376114},{"word":"doesn't","start":1020.91003,"end":1021.23,"confidence":0.9995117,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.10724582523107529},{"word":"really","start":1021.23,"end":1021.47003,"confidence":0.99902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.12053067982196808},{"word":"do","start":1021.47003,"end":1021.79,"confidence":0.9526367,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.1060137301683426},{"word":"anything","start":1021.79,"end":1022.27,"confidence":0.7602539,"punctuated_word":"anything.","sentiment":"neutral","sentiment_score":-0.1166577935218811},{"word":"so","start":1022.27,"end":1022.75,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.045404382050037384},{"word":"we're","start":1022.75,"end":1022.99,"confidence":0.9980469,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.0845511183142662},{"word":"gonna","start":1022.99,"end":1023.49,"confidence":0.9970703,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.10809497535228728},{"word":"invest","start":1023.63,"end":1024.03,"confidence":0.99902344,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.08969151228666306},{"word":"a","start":1024.03,"end":1024.11,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10254855453968048},{"word":"bit","start":1024.11,"end":1024.35,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.05992783606052399},{"word":"more","start":1024.35,"end":1024.59,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.05563393980264664},{"word":"in","start":1024.59,"end":1024.75,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1156751662492752},{"word":"the","start":1024.75,"end":1024.83,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09401647001504898},{"word":"rest","start":1024.83,"end":1025.07,"confidence":0.99902344,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":0.08168768882751465},{"word":"of","start":1025.07,"end":1025.23,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09149137884378432},{"word":"the","start":1025.23,"end":1025.31,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10520562529563904},{"word":"portfolio","start":1025.31,"end":1025.81,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.07396701723337173},{"word":"and","start":1026.27,"end":1026.77,"confidence":0.96972656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0710797980427742},{"word":"remove","start":1027.465,"end":1027.945,"confidence":0.9951172,"punctuated_word":"remove","sentiment":"neutral","sentiment_score":0.0362565852701664},{"word":"about","start":1027.945,"end":1028.345,"confidence":0.9472656,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.04919677600264549},{"word":"17,000","start":1028.345,"end":1029.1449,"confidence":0.99902344,"punctuated_word":"17,000","sentiment":"neutral","sentiment_score":0.08811546117067337},{"word":"in","start":1029.1449,"end":1029.3849,"confidence":0.9892578,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10170994699001312},{"word":"cash","start":1029.3849,"end":1029.8849,"confidence":0.9050293,"punctuated_word":"cash,","sentiment":"neutral","sentiment_score":0.05606162175536156},{"word":"distribute","start":1030.2649,"end":1030.745,"confidence":0.9980469,"punctuated_word":"distribute","sentiment":"neutral","sentiment_score":0.062325961887836456},{"word":"that","start":1030.745,"end":1030.9049,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07979588210582733},{"word":"across","start":1030.9049,"end":1031.225,"confidence":1.0,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.07555131614208221},{"word":"the","start":1031.225,"end":1031.465,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06520399451255798},{"word":"portfolio","start":1031.465,"end":1031.965,"confidence":0.8183594,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.036414120346307755},{"word":"so","start":1032.0249,"end":1032.1849,"confidence":0.8154297,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.052525267004966736},{"word":"you","start":1032.1849,"end":1032.345,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05739886313676834},{"word":"should","start":1032.345,"end":1032.6649,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.07578228414058685},{"word":"only","start":1032.6649,"end":1032.9049,"confidence":0.9980469,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.04596040025353432},{"word":"have","start":1032.9049,"end":1033.1449,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0611465722322464},{"word":"a","start":1033.1449,"end":1033.3049,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07384272664785385},{"word":"target","start":1033.3049,"end":1033.625,"confidence":0.9951172,"punctuated_word":"target","sentiment":"neutral","sentiment_score":0.05476239323616028},{"word":"weight","start":1033.625,"end":1033.865,"confidence":0.87353516,"punctuated_word":"weight","sentiment":"neutral","sentiment_score":0.06958125531673431},{"word":"of","start":1033.865,"end":1034.0249,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05213205516338349},{"word":"about","start":1034.0249,"end":1034.4249,"confidence":0.9980469,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.049731895327568054},{"word":"2,710","start":1034.4249,"end":1036.105,"confidence":0.9973958,"punctuated_word":"2,710","sentiment":"neutral","sentiment_score":0.07137592881917953},{"word":"in","start":1036.105,"end":1036.2649,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06269779801368713},{"word":"cash","start":1036.2649,"end":1036.5049,"confidence":1.0,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.05233026295900345},{"word":"after","start":1036.5049,"end":1036.825,"confidence":0.98535156,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.0044718533754348755},{"word":"the","start":1036.825,"end":1036.985,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.003852501511573791},{"word":"changes","start":1036.985,"end":1037.3849,"confidence":0.99609375,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.0008646547794342041},{"word":"are","start":1037.3849,"end":1037.625,"confidence":0.55615234,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.005134008824825287},{"word":"being","start":1037.625,"end":1037.865,"confidence":0.99902344,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.01263851672410965},{"word":"made","start":1037.865,"end":1038.365,"confidence":1.0,"punctuated_word":"made.","sentiment":"neutral","sentiment_score":-0.007032619789242744},{"word":"yeah","start":1038.745,"end":1039.245,"confidence":0.96240234,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03256647288799286},{"word":"the","start":1041.24,"end":1041.74,"confidence":0.99121094,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.00020476430654525757},{"word":"if","start":1041.96,"end":1042.12,"confidence":0.9921875,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.033670760691165924},{"word":"you","start":1042.12,"end":1042.2,"confidence":0.9902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03182755410671234},{"word":"get","start":1042.2,"end":1042.44,"confidence":0.53515625,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.025528978556394577},{"word":"under","start":1042.44,"end":1042.76,"confidence":0.53564453,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.023306068032979965},{"word":"page","start":1042.76,"end":1043.16,"confidence":0.9838867,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.032299309968948364},{"word":"23","start":1043.16,"end":1043.8,"confidence":0.99853516,"punctuated_word":"23,","sentiment":"neutral","sentiment_score":0.02829296886920929},{"word":"this","start":1043.8,"end":1044.04,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.024672459810972217},{"word":"is","start":1044.04,"end":1044.2,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02850596234202385},{"word":"essentially","start":1044.2,"end":1044.7,"confidence":0.96875,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.026833537966012955},{"word":"showing","start":1044.76,"end":1045.08,"confidence":1.0,"punctuated_word":"showing","sentiment":"neutral","sentiment_score":0.01150452345609665},{"word":"you","start":1045.08,"end":1045.56,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02659105509519577},{"word":"the","start":1045.56,"end":1045.72,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.007337115705013275},{"word":"changes","start":1045.72,"end":1046.2,"confidence":0.99902344,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.04252522438764572},{"word":"and","start":1046.2,"end":1046.36,"confidence":0.96533203,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.008793339133262634},{"word":"how","start":1046.36,"end":1046.6,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.0138741135597229},{"word":"that'll","start":1046.6,"end":1046.92,"confidence":0.67333984,"punctuated_word":"that'll","sentiment":"neutral","sentiment_score":-0.02086455747485161},{"word":"affect","start":1046.92,"end":1047.32,"confidence":0.9892578,"punctuated_word":"affect","sentiment":"neutral","sentiment_score":-0.005114622414112091},{"word":"your","start":1047.32,"end":1047.56,"confidence":0.60595703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04807913303375244},{"word":"super","start":1047.56,"end":1048.06,"confidence":0.7480469,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.06591064482927322},{"word":"the","start":1049.64,"end":1049.88,"confidence":0.9277344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.025541849434375763},{"word":"first","start":1049.88,"end":1050.28,"confidence":0.99902344,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.03010883927345276},{"word":"column","start":1050.28,"end":1050.78,"confidence":1.0,"punctuated_word":"column","sentiment":"neutral","sentiment_score":0.03075658157467842},{"word":"has","start":1050.84,"end":1051.16,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.02303557470440865},{"word":"your","start":1051.16,"end":1051.48,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.024452582001686096},{"word":"current","start":1051.48,"end":1051.98,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.004070907831192017},{"word":"scenario","start":1052.04,"end":1052.54,"confidence":0.70996094,"punctuated_word":"scenario.","sentiment":"neutral","sentiment_score":0.028524450957775116},{"word":"so","start":1052.6,"end":1052.76,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05461585149168968},{"word":"you've","start":1052.76,"end":1053.0,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.05477035790681839},{"word":"got","start":1053.0,"end":1053.16,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.048960816115140915},{"word":"your","start":1053.16,"end":1053.32,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.042291782796382904},{"word":"current","start":1053.32,"end":1053.64,"confidence":0.99902344,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.017925426363945007},{"word":"balance","start":1053.64,"end":1054.12,"confidence":0.99316406,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.02141255885362625},{"word":"there","start":1054.12,"end":1054.36,"confidence":0.9536133,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.042818933725357056},{"word":"the","start":1054.36,"end":1054.52,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03183020278811455},{"word":"fees","start":1054.52,"end":1054.84,"confidence":0.9716797,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.033266790211200714},{"word":"that","start":1054.84,"end":1055.0,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02569233626127243},{"word":"you're","start":1055.0,"end":1055.16,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.02922406420111656},{"word":"paying","start":1055.16,"end":1055.66,"confidence":0.85009766,"punctuated_word":"paying,","sentiment":"neutral","sentiment_score":0.025811610743403435},{"word":"your","start":1055.985,"end":1056.225,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.011971533298492432},{"word":"contributions","start":1056.225,"end":1056.725,"confidence":0.7519531,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.006032407283782959},{"word":"based","start":1057.025,"end":1057.425,"confidence":0.99609375,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.04005299508571625},{"word":"on","start":1057.425,"end":1057.585,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.02746274322271347},{"word":"your","start":1057.585,"end":1057.905,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.010205641388893127},{"word":"current","start":1057.905,"end":1058.305,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.033756256103515625},{"word":"wage","start":1058.305,"end":1058.705,"confidence":0.7578125,"punctuated_word":"wage,","sentiment":"neutral","sentiment_score":-0.013145964592695236},{"word":"and","start":1058.705,"end":1058.945,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01271096244454384},{"word":"we","start":1058.945,"end":1059.105,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.02149384841322899},{"word":"know","start":1059.105,"end":1059.345,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.012659095227718352},{"word":"that","start":1059.345,"end":1059.665,"confidence":0.9921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.012134633958339691},{"word":"with","start":1059.665,"end":1059.905,"confidence":0.99316406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.03785151243209839},{"word":"your","start":1059.905,"end":1060.145,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.029851868748664856},{"word":"job","start":1060.145,"end":1060.465,"confidence":1.0,"punctuated_word":"job","sentiment":"neutral","sentiment_score":-0.05006105825304985},{"word":"at","start":1060.465,"end":1060.625,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.05158551037311554},{"word":"the","start":1060.625,"end":1060.785,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02418839931488037},{"word":"moment","start":1060.785,"end":1061.265,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":-0.011536166071891785},{"word":"that","start":1061.265,"end":1061.505,"confidence":0.82177734,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.018006905913352966},{"word":"you","start":1061.505,"end":1062.005,"confidence":0.96777344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03670645505189896},{"word":"you're","start":1062.385,"end":1062.545,"confidence":0.86206055,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.04542064294219017},{"word":"casual","start":1062.545,"end":1063.045,"confidence":1.0,"punctuated_word":"casual","sentiment":"neutral","sentiment_score":-0.05710049718618393},{"word":"now","start":1063.105,"end":1063.425,"confidence":0.76586914,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.05514105036854744},{"word":"you'll","start":1063.425,"end":1063.745,"confidence":0.9238281,"punctuated_word":"You'll","sentiment":"neutral","sentiment_score":-0.05655808374285698},{"word":"go","start":1063.745,"end":1063.985,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.07009875774383545},{"word":"to","start":1063.985,"end":1064.385,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07166384905576706},{"word":"part","start":1064.385,"end":1064.705,"confidence":0.94384766,"punctuated_word":"part","sentiment":"neutral","sentiment_score":-0.0038179978728294377},{"word":"or","start":1064.785,"end":1064.945,"confidence":0.59228516,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.07199713587760925},{"word":"full","start":1064.945,"end":1065.1849,"confidence":0.9951172,"punctuated_word":"full","sentiment":"neutral","sentiment_score":-0.04301689565181732},{"word":"time","start":1065.1849,"end":1065.505,"confidence":0.9970703,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.02060228586196899},{"word":"down","start":1065.505,"end":1065.665,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.007645055651664734},{"word":"the","start":1065.665,"end":1065.825,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.008996695280075073},{"word":"track","start":1065.825,"end":1066.065,"confidence":0.84814453,"punctuated_word":"track,","sentiment":"neutral","sentiment_score":-0.039249397814273834},{"word":"and","start":1066.065,"end":1066.225,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06918714195489883},{"word":"your","start":1066.225,"end":1066.465,"confidence":0.99316406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.12464319169521332},{"word":"wage","start":1066.465,"end":1066.705,"confidence":0.93408203,"punctuated_word":"wage","sentiment":"neutral","sentiment_score":-0.1049150973558426},{"word":"will","start":1066.705,"end":1066.865,"confidence":0.99121094,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.11990374326705933},{"word":"probably","start":1066.865,"end":1067.1849,"confidence":0.99902344,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.124403715133667},{"word":"drop","start":1067.1849,"end":1067.505,"confidence":1.0,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":-0.10553018748760223},{"word":"a","start":1067.505,"end":1067.665,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15340732038021088},{"word":"little","start":1067.665,"end":1067.825,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.11915445327758788},{"word":"bit","start":1067.825,"end":1068.325,"confidence":0.99316406,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":-0.09735210239887238},{"word":"so","start":1068.52,"end":1068.76,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06221156567335129},{"word":"this","start":1068.76,"end":1068.84,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.08119574934244156},{"word":"is","start":1068.84,"end":1069.0,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05123886093497276},{"word":"based","start":1069.0,"end":1069.4,"confidence":1.0,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.113759383559227},{"word":"on","start":1069.4,"end":1069.5599,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.13786786794662476},{"word":"your","start":1069.5599,"end":1069.88,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11701236665248872},{"word":"current","start":1069.88,"end":1070.36,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.07168839871883392},{"word":"expected","start":1070.36,"end":1070.86,"confidence":0.99902344,"punctuated_word":"expected","sentiment":"neutral","sentiment_score":0.12736409902572632},{"word":"contributions","start":1071.0,"end":1071.5,"confidence":0.90234375,"punctuated_word":"contributions.","sentiment":"neutral","sentiment_score":0.07309000194072723},{"word":"in","start":1071.88,"end":1072.12,"confidence":1.0,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.14142970740795135},{"word":"the","start":1072.12,"end":1072.36,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11865127086639404},{"word":"appendix","start":1072.36,"end":1072.86,"confidence":0.9921875,"punctuated_word":"appendix,","sentiment":"neutral","sentiment_score":0.12192045152187347},{"word":"i've","start":1073.0,"end":1073.24,"confidence":0.9885254,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.16632568836212158},{"word":"also","start":1073.24,"end":1073.5599,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1162361055612564},{"word":"done","start":1073.5599,"end":1073.7999,"confidence":0.9838867,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.17265020310878754},{"word":"a","start":1073.7999,"end":1074.12,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16827121376991272},{"word":"secondary","start":1074.12,"end":1074.62,"confidence":0.99902344,"punctuated_word":"secondary","sentiment":"neutral","sentiment_score":0.14669179916381836},{"word":"one","start":1074.84,"end":1075.08,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.15419849753379822},{"word":"of","start":1075.08,"end":1075.16,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14191937446594238},{"word":"these","start":1075.16,"end":1075.5599,"confidence":0.89697266,"punctuated_word":"these,","sentiment":"neutral","sentiment_score":0.12251681089401244},{"word":"which","start":1075.5599,"end":1075.88,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.1472054272890091},{"word":"shows","start":1075.88,"end":1076.36,"confidence":1.0,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.10738242417573927},{"word":"if","start":1076.36,"end":1076.6,"confidence":0.9448242,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09465405344963074},{"word":"your","start":1076.6,"end":1076.84,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1327129602432251},{"word":"wage","start":1076.84,"end":1077.16,"confidence":0.98828125,"punctuated_word":"wage","sentiment":"neutral","sentiment_score":0.08684864640235901},{"word":"was","start":1077.16,"end":1077.48,"confidence":0.9970703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.08796589821577072},{"word":"around","start":1077.48,"end":1077.7999,"confidence":0.9719238,"punctuated_word":"around,","sentiment":"neutral","sentiment_score":0.09640857577323914},{"word":"say","start":1077.7999,"end":1078.12,"confidence":0.9921875,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.1286020278930664},{"word":"90,000","start":1078.12,"end":1078.84,"confidence":0.9301758,"punctuated_word":"90,000","sentiment":"neutral","sentiment_score":0.17136989533901217},{"word":"on","start":1078.84,"end":1078.92,"confidence":0.984375,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.16499434411525726},{"word":"a","start":1078.92,"end":1079.08,"confidence":0.6904297,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13991180062294006},{"word":"yearly","start":1079.08,"end":1079.4,"confidence":1.0,"punctuated_word":"yearly","sentiment":"neutral","sentiment_score":0.11993280053138732},{"word":"basis","start":1079.4,"end":1079.7999,"confidence":1.0,"punctuated_word":"basis","sentiment":"neutral","sentiment_score":0.13209794461727142},{"word":"and","start":1079.7999,"end":1079.96,"confidence":0.9604492,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0766129344701767},{"word":"the","start":1079.96,"end":1080.12,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06227303296327591},{"word":"contributions","start":1080.12,"end":1080.62,"confidence":0.9111328,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.0712975412607193},{"word":"were","start":1080.84,"end":1081.0,"confidence":0.7685547,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.05863071233034134},{"word":"lower","start":1081.0,"end":1081.5,"confidence":0.9753418,"punctuated_word":"lower,","sentiment":"neutral","sentiment_score":0.056641872972249985},{"word":"what","start":1081.715,"end":1081.955,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.08576812595129013},{"word":"the","start":1081.955,"end":1082.115,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.038433194160461426},{"word":"difference","start":1082.115,"end":1082.595,"confidence":1.0,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.04176320135593414},{"word":"might","start":1082.595,"end":1082.835,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.04435259103775024},{"word":"be","start":1082.835,"end":1083.335,"confidence":0.89941406,"punctuated_word":"be.","sentiment":"neutral","sentiment_score":0.08679979294538498},{"word":"but","start":1083.715,"end":1083.875,"confidence":0.59814453,"punctuated_word":"But","sentiment":"positive","sentiment_score":0.4165255129337311},{"word":"it","start":1083.875,"end":1084.115,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5888526439666748},{"word":"still","start":1084.115,"end":1084.355,"confidence":0.97998047,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.5192679166793823},{"word":"puts","start":1084.355,"end":1084.595,"confidence":0.9921875,"punctuated_word":"puts","sentiment":"positive","sentiment_score":0.5515058636665344},{"word":"you","start":1084.595,"end":1084.755,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6137526631355286},{"word":"in","start":1084.755,"end":1084.915,"confidence":0.99609375,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.7261655330657959},{"word":"a","start":1084.915,"end":1084.995,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6827650666236877},{"word":"really","start":1084.995,"end":1085.235,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.6688010096549988},{"word":"good","start":1085.235,"end":1085.475,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6113422513008118},{"word":"position","start":1085.475,"end":1085.975,"confidence":0.9255371,"punctuated_word":"position,","sentiment":"positive","sentiment_score":0.6785699129104614},{"word":"and","start":1086.115,"end":1086.355,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4885283410549164},{"word":"we","start":1086.355,"end":1086.515,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4780481159687042},{"word":"can","start":1086.515,"end":1086.915,"confidence":0.98657227,"punctuated_word":"can,","sentiment":"positive","sentiment_score":0.5478451251983643},{"word":"you","start":1086.915,"end":1086.995,"confidence":0.99121094,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.45861271023750305},{"word":"know","start":1086.995,"end":1087.235,"confidence":1.0,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.4625939130783081},{"word":"always","start":1087.235,"end":1087.555,"confidence":1.0,"punctuated_word":"always","sentiment":"positive","sentiment_score":0.5498015880584717},{"word":"meet","start":1087.555,"end":1087.795,"confidence":0.99609375,"punctuated_word":"meet","sentiment":"positive","sentiment_score":0.40743449330329895},{"word":"up","start":1087.795,"end":1087.955,"confidence":0.99902344,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.4043407738208771},{"word":"in","start":1087.955,"end":1088.115,"confidence":0.99121094,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4058312475681305},{"word":"the","start":1088.115,"end":1088.1951,"confidence":0.9819336,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4683635234832764},{"word":"next","start":1088.1951,"end":1088.515,"confidence":0.99609375,"punctuated_word":"next","sentiment":"positive","sentiment_score":0.37821468710899353},{"word":"six","start":1088.515,"end":1088.755,"confidence":1.0,"punctuated_word":"six","sentiment":"positive","sentiment_score":0.3732466995716095},{"word":"months","start":1088.755,"end":1089.075,"confidence":0.99902344,"punctuated_word":"months","sentiment":"positive","sentiment_score":0.39636558294296265},{"word":"and","start":1089.075,"end":1089.235,"confidence":0.96533203,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3510071337223053},{"word":"sort","start":1089.235,"end":1089.475,"confidence":0.9892578,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.4238938093185425},{"word":"of","start":1089.475,"end":1089.555,"confidence":0.88427734,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3732996582984924},{"word":"see","start":1089.555,"end":1089.795,"confidence":0.99902344,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.38011452555656433},{"word":"what's","start":1089.795,"end":1090.115,"confidence":0.9975586,"punctuated_word":"what's","sentiment":"positive","sentiment_score":0.34328314661979675},{"word":"changing","start":1090.115,"end":1090.615,"confidence":1.0,"punctuated_word":"changing","sentiment":"positive","sentiment_score":0.4963644742965698},{"word":"and","start":1090.675,"end":1090.915,"confidence":0.9770508,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23170959949493408},{"word":"reevaluate","start":1090.915,"end":1091.415,"confidence":0.9892578,"punctuated_word":"reevaluate","sentiment":"neutral","sentiment_score":0.19991278648376465},{"word":"where","start":1091.795,"end":1091.955,"confidence":0.9716797,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.31907299160957336},{"word":"things","start":1091.955,"end":1092.275,"confidence":1.0,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.3817126750946045},{"word":"are","start":1092.275,"end":1092.435,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.29219263792037964},{"word":"tracking","start":1092.435,"end":1092.935,"confidence":0.96655273,"punctuated_word":"tracking.","sentiment":"neutral","sentiment_score":0.06145131960511208},{"word":"but","start":1093.475,"end":1093.635,"confidence":0.9941406,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.04462546110153198},{"word":"this","start":1093.635,"end":1093.875,"confidence":0.9951172,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.029369741678237915},{"word":"is","start":1093.875,"end":1094.035,"confidence":0.984375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.024813298135995865},{"word":"just","start":1094.035,"end":1094.275,"confidence":0.97802734,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.055537767708301544},{"word":"using","start":1094.275,"end":1094.595,"confidence":0.5810547,"punctuated_word":"using","sentiment":"neutral","sentiment_score":0.04121719300746918},{"word":"a","start":1094.595,"end":1094.675,"confidence":0.7553711,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06691135466098785},{"word":"conservative","start":1094.675,"end":1095.175,"confidence":1.0,"punctuated_word":"conservative","sentiment":"neutral","sentiment_score":0.06437483429908752},{"word":"contribution","start":1095.635,"end":1096.135,"confidence":1.0,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.05158647149801254},{"word":"rate","start":1096.275,"end":1096.595,"confidence":0.91259766,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.06294885277748108},{"word":"based","start":1096.595,"end":1096.835,"confidence":0.93359375,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.07434262335300446},{"word":"on","start":1096.835,"end":1096.995,"confidence":0.6479492,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07343663275241852},{"word":"your","start":1096.995,"end":1097.16,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05269034206867218},{"word":"current","start":1097.24,"end":1097.64,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.042388416826725006},{"word":"income","start":1097.64,"end":1098.14,"confidence":0.9995117,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":0.04441390931606293},{"word":"okay","start":1098.28,"end":1098.78,"confidence":0.9819336,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.05665113404393196},{"word":"in","start":1100.8401,"end":1101.0801,"confidence":0.72216797,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.12106405943632126},{"word":"order","start":1101.0801,"end":1101.4,"confidence":1.0,"punctuated_word":"order","sentiment":"neutral","sentiment_score":0.08711937814950943},{"word":"to","start":1101.4,"end":1101.48,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10487056523561478},{"word":"make","start":1101.48,"end":1101.64,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.11147037148475648},{"word":"the","start":1101.64,"end":1101.88,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12658293545246124},{"word":"changes","start":1101.88,"end":1102.38,"confidence":0.99853516,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":0.07773980498313904},{"word":"we","start":1102.76,"end":1102.92,"confidence":0.9448242,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08326297998428345},{"word":"do","start":1102.92,"end":1103.16,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07773935794830322},{"word":"know","start":1103.16,"end":1103.48,"confidence":0.99316406,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.09178152680397034},{"word":"that","start":1103.48,"end":1103.9601,"confidence":0.9921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08940526098012924},{"word":"your","start":1103.9601,"end":1104.36,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.103097103536129},{"word":"super","start":1104.36,"end":1104.68,"confidence":0.65185547,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.13845282793045044},{"word":"fund","start":1104.68,"end":1104.92,"confidence":0.95947266,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.10908117890357973},{"word":"does","start":1104.92,"end":1105.0801,"confidence":0.8520508,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.07528722286224365},{"word":"a","start":1105.0801,"end":1105.16,"confidence":0.9267578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11086385697126389},{"word":"tax","start":1105.16,"end":1105.48,"confidence":0.9941406,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.14434170722961426},{"word":"return","start":1105.48,"end":1105.88,"confidence":0.99609375,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.10706833004951476},{"word":"like","start":1105.88,"end":1106.12,"confidence":0.9667969,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.10421448945999146},{"word":"you","start":1106.12,"end":1106.36,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11057870090007782},{"word":"do","start":1106.36,"end":1106.52,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09443508088588716},{"word":"every","start":1106.52,"end":1106.8401,"confidence":0.99902344,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.0791623443365097},{"word":"year","start":1106.8401,"end":1107.0801,"confidence":0.8815918,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.09132635593414308},{"word":"and","start":1107.0801,"end":1107.24,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09622137993574142},{"word":"it","start":1107.24,"end":1107.4,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.122858926653862},{"word":"does","start":1107.4,"end":1107.8,"confidence":0.99902344,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.1048012599349022},{"word":"pay","start":1107.8,"end":1108.04,"confidence":0.9819336,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.06657330691814423},{"word":"tax","start":1108.04,"end":1108.54,"confidence":0.9902344,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":0.07345746457576752},{"word":"so","start":1108.8401,"end":1109.0801,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10089267790317535},{"word":"i","start":1109.0801,"end":1109.16,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1617082953453064},{"word":"did","start":1109.16,"end":1109.4,"confidence":0.9980469,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.13325083255767822},{"word":"go","start":1109.4,"end":1109.64,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.10963360220193864},{"word":"back","start":1109.64,"end":1109.8,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.11635415256023408},{"word":"and","start":1109.8,"end":1110.04,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0905870571732521},{"word":"calculate","start":1110.04,"end":1110.54,"confidence":0.9863281,"punctuated_word":"calculate","sentiment":"neutral","sentiment_score":0.088649220764637},{"word":"and","start":1110.6,"end":1110.76,"confidence":0.9892578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10049223154783248},{"word":"look","start":1110.76,"end":1110.92,"confidence":0.9921875,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.0862463116645813},{"word":"at","start":1110.92,"end":1111.0801,"confidence":0.9902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08823945373296738},{"word":"the","start":1111.0801,"end":1111.16,"confidence":0.97802734,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07188129425048828},{"word":"tax","start":1111.16,"end":1111.395,"confidence":0.81933594,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.10659141838550568},{"word":"consequences","start":1111.635,"end":1112.135,"confidence":0.9980469,"punctuated_word":"consequences","sentiment":"neutral","sentiment_score":0.05369473993778229},{"word":"for","start":1112.355,"end":1112.595,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0961441695690155},{"word":"buying","start":1112.595,"end":1112.835,"confidence":1.0,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.07764314115047455},{"word":"and","start":1112.835,"end":1112.995,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06500545144081116},{"word":"selling","start":1112.995,"end":1113.3151,"confidence":1.0,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":0.054854679852724075},{"word":"the","start":1113.3151,"end":1113.395,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08173732459545135},{"word":"different","start":1113.395,"end":1113.795,"confidence":0.99902344,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.0753859281539917},{"word":"investments","start":1113.795,"end":1114.295,"confidence":0.8293457,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.07027726620435715},{"word":"and","start":1114.835,"end":1114.995,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09620615839958192},{"word":"that's","start":1114.995,"end":1115.3151,"confidence":0.9970703,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.07164110988378525},{"word":"in","start":1115.3151,"end":1115.475,"confidence":0.8457031,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06906598806381226},{"word":"the","start":1115.475,"end":1115.635,"confidence":0.54541016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06632228195667267},{"word":"different","start":1115.635,"end":1116.115,"confidence":0.7734375,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.04343373328447342},{"word":"column","start":1116.115,"end":1116.515,"confidence":0.90478516,"punctuated_word":"column","sentiment":"neutral","sentiment_score":0.03723805770277977},{"word":"here","start":1116.515,"end":1116.755,"confidence":0.8725586,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.06149713695049286},{"word":"the","start":1116.755,"end":1116.995,"confidence":0.9819336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04563190788030624},{"word":"02/1975","start":1116.995,"end":1118.435,"confidence":0.99912107,"punctuated_word":"02/1975.","sentiment":"neutral","sentiment_score":0.04185321182012558},{"word":"so","start":1118.435,"end":1118.675,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04640110209584236},{"word":"in","start":1118.675,"end":1118.835,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.041278351098299026},{"word":"order","start":1118.835,"end":1119.155,"confidence":1.0,"punctuated_word":"order","sentiment":"neutral","sentiment_score":0.04113812744617462},{"word":"to","start":1119.155,"end":1119.3151,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04205870255827904},{"word":"make","start":1119.3151,"end":1119.555,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.0428013913333416},{"word":"the","start":1119.555,"end":1119.715,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05323712155222893},{"word":"changes","start":1119.715,"end":1120.215,"confidence":0.9980469,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":0.04019295424222946},{"word":"the","start":1120.755,"end":1121.155,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04738868027925491},{"word":"capital","start":1121.155,"end":1121.655,"confidence":0.99609375,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":0.014476403594017029},{"word":"gains","start":1121.715,"end":1122.115,"confidence":0.9604492,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":0.02295038290321827},{"word":"tax","start":1122.115,"end":1122.435,"confidence":0.9135742,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.056737080216407776},{"word":"your","start":1122.435,"end":1122.675,"confidence":0.4753418,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05387251824140549},{"word":"super","start":1122.675,"end":1122.995,"confidence":0.69970703,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.04937942326068878},{"word":"fund","start":1122.995,"end":1123.3151,"confidence":0.9448242,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.05173749476671219},{"word":"will","start":1123.3151,"end":1123.475,"confidence":0.9951172,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.05499348044395447},{"word":"account","start":1123.475,"end":1123.875,"confidence":1.0,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.054159048944711685},{"word":"for","start":1123.875,"end":1124.115,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05248595029115677},{"word":"is","start":1124.115,"end":1124.355,"confidence":0.98828125,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03898550570011139},{"word":"about","start":1124.355,"end":1124.675,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.03631604462862015},{"word":"$275","start":1124.675,"end":1126.515,"confidence":0.9995117,"punctuated_word":"$275","sentiment":"neutral","sentiment_score":0.039197951555252075},{"word":"there","start":1126.515,"end":1126.89,"confidence":0.9980469,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.043523117899894714},{"word":"okay","start":1127.13,"end":1127.63,"confidence":0.9904785,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.06545194983482361},{"word":"so","start":1128.41,"end":1128.65,"confidence":0.98535156,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1115180104970932},{"word":"only","start":1128.65,"end":1128.97,"confidence":0.98095703,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.05526711046695709},{"word":"a","start":1128.97,"end":1129.13,"confidence":0.97265625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1825912743806839},{"word":"small","start":1129.13,"end":1129.37,"confidence":0.99902344,"punctuated_word":"small","sentiment":"neutral","sentiment_score":0.15710969269275665},{"word":"capital","start":1129.37,"end":1129.77,"confidence":0.99902344,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":0.09132997691631316},{"word":"gains","start":1129.77,"end":1130.09,"confidence":0.8754883,"punctuated_word":"gains,","sentiment":"neutral","sentiment_score":0.17785681784152985},{"word":"which","start":1130.09,"end":1130.33,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.2540109157562256},{"word":"is","start":1130.33,"end":1130.41,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3780439496040344},{"word":"good","start":1130.41,"end":1130.91,"confidence":0.8312988,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.31251251697540283},{"word":"and","start":1131.53,"end":1132.03,"confidence":0.62646484,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.02254313975572586},{"word":"we're","start":1132.09,"end":1132.33,"confidence":0.99902344,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.015818996354937553},{"word":"not","start":1132.33,"end":1132.5701,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.080994613468647},{"word":"moving","start":1132.5701,"end":1132.89,"confidence":0.9970703,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":-0.023705050349235535},{"word":"at","start":1132.89,"end":1133.05,"confidence":0.45629883,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.09647305309772491},{"word":"a","start":1133.05,"end":1133.13,"confidence":0.7104492,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08690905570983887},{"word":"net","start":1133.13,"end":1133.37,"confidence":0.9194336,"punctuated_word":"net","sentiment":"neutral","sentiment_score":-0.12863285839557648},{"word":"wealth","start":1133.37,"end":1133.6901,"confidence":0.64123535,"punctuated_word":"wealth.","sentiment":"neutral","sentiment_score":-0.1356525421142578},{"word":"there's","start":1133.6901,"end":1133.93,"confidence":0.99853516,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.13791154325008392},{"word":"no","start":1133.93,"end":1134.17,"confidence":0.9970703,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.17700782418251038},{"word":"sort","start":1134.17,"end":1134.33,"confidence":0.9526367,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.18926499783992767},{"word":"of","start":1134.33,"end":1134.49,"confidence":0.98095703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.17243576049804688},{"word":"point","start":1134.49,"end":1134.73,"confidence":0.99316406,"punctuated_word":"point","sentiment":"neutral","sentiment_score":-0.18682900071144104},{"word":"to","start":1134.73,"end":1134.89,"confidence":0.984375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1554124504327774},{"word":"change","start":1134.89,"end":1135.05,"confidence":0.9980469,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.19060294330120087},{"word":"that","start":1135.05,"end":1135.21,"confidence":0.34521484,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.15734319388866425},{"word":"in","start":1135.21,"end":1135.37,"confidence":0.47851562,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1768549233675003},{"word":"net","start":1135.37,"end":1135.53,"confidence":0.9838867,"punctuated_word":"net","sentiment":"neutral","sentiment_score":-0.10346531122922896},{"word":"wealth","start":1135.53,"end":1135.6901,"confidence":0.9807129,"punctuated_word":"wealth.","sentiment":"neutral","sentiment_score":-0.10502387583255768},{"word":"i","start":1135.6901,"end":1135.85,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.059582650661468506},{"word":"did","start":1135.85,"end":1136.09,"confidence":0.9863281,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.02449069172143936},{"word":"look","start":1136.09,"end":1136.25,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.055941566824913025},{"word":"at","start":1136.25,"end":1136.41,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.09860163182020187},{"word":"other","start":1136.41,"end":1136.5701,"confidence":0.9980469,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.11409170180559158},{"word":"funds","start":1136.5701,"end":1136.89,"confidence":0.9941406,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.06751471012830734},{"word":"to","start":1136.89,"end":1136.97,"confidence":0.91845703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07244372367858887},{"word":"see","start":1136.97,"end":1137.13,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.06228256970643997},{"word":"if","start":1137.13,"end":1137.21,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.03628382459282875},{"word":"there's","start":1137.21,"end":1137.4501,"confidence":0.99658203,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.026181232184171677},{"word":"anything","start":1137.4501,"end":1137.77,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.024240583181381226},{"word":"that","start":1137.77,"end":1137.93,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05122324079275131},{"word":"was","start":1137.93,"end":1138.09,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.09208519756793976},{"word":"gonna","start":1138.09,"end":1138.33,"confidence":0.9941406,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.0716647207736969},{"word":"be","start":1138.33,"end":1138.49,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.04889180511236191},{"word":"cheaper","start":1138.49,"end":1138.81,"confidence":0.99609375,"punctuated_word":"cheaper","sentiment":"neutral","sentiment_score":0.007987149059772491},{"word":"or","start":1138.81,"end":1138.97,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.04425867646932602},{"word":"better","start":1138.97,"end":1139.37,"confidence":0.97802734,"punctuated_word":"better,","sentiment":"neutral","sentiment_score":-0.060294780880212784},{"word":"but","start":1139.37,"end":1139.61,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.10976038128137589},{"word":"we'd","start":1139.61,"end":1139.85,"confidence":0.99853516,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":-0.1992312967777252},{"word":"have","start":1139.85,"end":1140.09,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.20664934813976288},{"word":"to","start":1140.09,"end":1140.17,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1895994544029236},{"word":"sell","start":1140.17,"end":1140.41,"confidence":0.99902344,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.2057458907365799},{"word":"the","start":1140.41,"end":1140.5701,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.23713348805904388},{"word":"entire","start":1140.5701,"end":1141.05,"confidence":1.0,"punctuated_word":"entire","sentiment":"neutral","sentiment_score":-0.22263948619365692},{"word":"portfolio","start":1141.05,"end":1141.55,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.19509422779083252},{"word":"down","start":1141.77,"end":1142.27,"confidence":0.93310547,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":-0.19816221296787265},{"word":"which","start":1142.595,"end":1142.835,"confidence":0.94189453,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.2203925997018814},{"word":"would","start":1142.835,"end":1143.075,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.21428516507148743},{"word":"end","start":1143.075,"end":1143.235,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":-0.10340332239866255},{"word":"up","start":1143.235,"end":1143.395,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.13116507232189178},{"word":"in","start":1143.395,"end":1143.5549,"confidence":0.97265625,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.10107046365737916},{"word":"a","start":1143.5549,"end":1143.635,"confidence":0.9838867,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07703062891960144},{"word":"larger","start":1143.635,"end":1144.035,"confidence":0.9790039,"punctuated_word":"larger","sentiment":"neutral","sentiment_score":-0.08154826611280441},{"word":"capital","start":1144.035,"end":1144.4349,"confidence":0.9951172,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.08773043006658554},{"word":"gains","start":1144.4349,"end":1144.835,"confidence":0.90771484,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":-0.02540043741464615},{"word":"consequence","start":1144.835,"end":1145.335,"confidence":0.97436523,"punctuated_word":"consequence.","sentiment":"neutral","sentiment_score":-0.04546141624450683},{"word":"i","start":1145.475,"end":1145.635,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15609696507453918},{"word":"didn't","start":1145.635,"end":1145.875,"confidence":1.0,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.14599215984344482},{"word":"wanna","start":1145.875,"end":1146.115,"confidence":0.9892578,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.18453119695186615},{"word":"do","start":1146.115,"end":1146.355,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.2371894419193268},{"word":"that","start":1146.355,"end":1146.595,"confidence":0.99853516,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.20801803469657895},{"word":"i","start":1146.595,"end":1146.755,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10653258860111237},{"word":"wanna","start":1146.755,"end":1146.995,"confidence":0.98828125,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.08432678878307343},{"word":"limit","start":1146.995,"end":1147.315,"confidence":0.99902344,"punctuated_word":"limit","sentiment":"neutral","sentiment_score":-0.1085706278681755},{"word":"the","start":1147.315,"end":1147.475,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06625619530677795},{"word":"amount","start":1147.475,"end":1147.875,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.09265870600938796},{"word":"of","start":1147.875,"end":1148.115,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07585905492305756},{"word":"taxes","start":1148.115,"end":1148.595,"confidence":0.9941406,"punctuated_word":"taxes","sentiment":"neutral","sentiment_score":-0.04754745960235596},{"word":"you've","start":1148.595,"end":1148.835,"confidence":0.99609375,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.08542665094137192},{"word":"gotta","start":1148.835,"end":1149.075,"confidence":0.80810547,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":-0.1067059487104416},{"word":"pay","start":1149.075,"end":1149.235,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.09791417419910432},{"word":"and","start":1149.235,"end":1149.475,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07119293510913849},{"word":"things","start":1149.475,"end":1149.7949,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.04622413218021393},{"word":"like","start":1149.7949,"end":1149.955,"confidence":0.9980469,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.022891700267791748},{"word":"that","start":1149.955,"end":1150.195,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.026416189968585968},{"word":"on","start":1150.195,"end":1150.275,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.058201417326927185},{"word":"your","start":1150.275,"end":1150.4349,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.03272534906864166},{"word":"fund","start":1150.4349,"end":1150.9349,"confidence":0.8730469,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":-0.01549694873392582},{"word":"so","start":1151.7949,"end":1152.195,"confidence":0.9394531,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.20250466465950012},{"word":"keeping","start":1152.195,"end":1152.595,"confidence":0.9980469,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":0.18082132935523987},{"word":"you","start":1152.595,"end":1152.755,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2327526956796646},{"word":"in","start":1152.755,"end":1152.995,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.27668336033821106},{"word":"net","start":1152.995,"end":1153.155,"confidence":0.734375,"punctuated_word":"net","sentiment":"positive","sentiment_score":0.3376702666282654},{"word":"wealth","start":1153.155,"end":1153.5549,"confidence":0.7878418,"punctuated_word":"wealth,","sentiment":"neutral","sentiment_score":0.2846723198890686},{"word":"but","start":1153.5549,"end":1153.715,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.24925614893436432},{"word":"making","start":1153.715,"end":1154.115,"confidence":0.99902344,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.2858332693576813},{"word":"the","start":1154.115,"end":1154.275,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27416640520095825},{"word":"changes","start":1154.275,"end":1154.775,"confidence":0.9621582,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":0.323957234621048},{"word":"you","start":1154.835,"end":1154.995,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4109217226505279},{"word":"can","start":1154.995,"end":1155.155,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4089258313179016},{"word":"see","start":1155.155,"end":1155.475,"confidence":0.9980469,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.4699336290359497},{"word":"the","start":1155.475,"end":1155.635,"confidence":0.9951172,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4956575930118561},{"word":"investment","start":1155.635,"end":1156.135,"confidence":0.99316406,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.23625710606575012},{"word":"fee","start":1156.195,"end":1156.695,"confidence":0.99121094,"punctuated_word":"fee","sentiment":"positive","sentiment_score":0.43926405906677246},{"word":"drops","start":1156.995,"end":1157.495,"confidence":0.58740234,"punctuated_word":"drops","sentiment":"positive","sentiment_score":0.4469031989574432},{"word":"drastically","start":1158.21,"end":1158.71,"confidence":0.85302734,"punctuated_word":"drastically.","sentiment":"positive","sentiment_score":0.36157289147377014},{"word":"so","start":1158.77,"end":1158.9299,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.4819119870662689},{"word":"we","start":1158.9299,"end":1159.01,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.5043944120407104},{"word":"can","start":1159.01,"end":1159.25,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.5139627456665039},{"word":"save","start":1159.25,"end":1159.49,"confidence":0.9980469,"punctuated_word":"save","sentiment":"positive","sentiment_score":0.37869992852211},{"word":"you","start":1159.49,"end":1159.65,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4865502417087555},{"word":"about","start":1159.65,"end":1159.89,"confidence":0.99902344,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.4829571545124054},{"word":"a","start":1159.89,"end":1160.0499,"confidence":0.9941406,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4736105799674988},{"word":"thousand","start":1160.0499,"end":1160.45,"confidence":0.99902344,"punctuated_word":"thousand","sentiment":"positive","sentiment_score":0.5089741945266724},{"word":"and","start":1160.45,"end":1160.61,"confidence":0.9951172,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.378117173910141},{"word":"$35","start":1160.61,"end":1161.49,"confidence":0.9968262,"punctuated_word":"$35","sentiment":"positive","sentiment_score":0.4014361798763275},{"word":"on","start":1161.49,"end":1161.65,"confidence":0.99902344,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.41605260968208313},{"word":"the","start":1161.65,"end":1161.89,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28999051451683044},{"word":"investment","start":1161.89,"end":1162.39,"confidence":0.9980469,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.07017703354358673},{"word":"fees","start":1162.45,"end":1162.95,"confidence":0.98095703,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.19425183534622192},{"word":"for","start":1163.1699,"end":1163.4099,"confidence":0.9448242,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.08438463509082794},{"word":"making","start":1163.4099,"end":1163.89,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.1583653688430786},{"word":"the","start":1163.89,"end":1164.0499,"confidence":0.9760742,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3648434281349182},{"word":"change","start":1164.0499,"end":1164.5499,"confidence":0.77001953,"punctuated_word":"change,","sentiment":"positive","sentiment_score":0.3867502212524414},{"word":"yeah","start":1164.69,"end":1164.9299,"confidence":0.9926758,"punctuated_word":"yeah,","sentiment":"positive","sentiment_score":0.4385561943054199},{"word":"which","start":1164.9299,"end":1165.25,"confidence":1.0,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.5149654746055603},{"word":"is","start":1165.25,"end":1165.4099,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5056590437889099},{"word":"really","start":1165.4099,"end":1165.57,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5346271395683289},{"word":"good","start":1165.57,"end":1165.89,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4922263622283935},{"word":"because","start":1165.89,"end":1166.21,"confidence":0.8540039,"punctuated_word":"because,","sentiment":"positive","sentiment_score":0.3732961416244507},{"word":"you","start":1166.21,"end":1166.2899,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.339908242225647},{"word":"know","start":1166.2899,"end":1166.37,"confidence":1.0,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.3435625433921814},{"word":"we","start":1166.37,"end":1166.53,"confidence":0.99902344,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3733956515789032},{"word":"don't","start":1166.53,"end":1166.69,"confidence":0.97265625,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.2763122320175171},{"word":"really","start":1166.69,"end":1166.9299,"confidence":0.6816406,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.15984852612018585},{"word":"be","start":1166.9299,"end":1167.09,"confidence":0.75927734,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.25186604261398315},{"word":"paying","start":1167.09,"end":1167.33,"confidence":1.0,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.1286682486534119},{"word":"lots","start":1167.33,"end":1167.57,"confidence":0.9970703,"punctuated_word":"lots","sentiment":"neutral","sentiment_score":0.1333775818347931},{"word":"of","start":1167.57,"end":1167.73,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13541175425052643},{"word":"fees","start":1167.73,"end":1168.23,"confidence":0.99121094,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.11004115641117096},{"word":"for","start":1168.61,"end":1168.77,"confidence":0.6777344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.24178959429264069},{"word":"the","start":1168.77,"end":1169.01,"confidence":0.9560547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.32443705201148987},{"word":"investment","start":1169.01,"end":1169.49,"confidence":0.7290039,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.2350921779870987},{"word":"we","start":1169.49,"end":1169.73,"confidence":0.93359375,"punctuated_word":"We","sentiment":"positive","sentiment_score":0.3791037797927856},{"word":"wanna","start":1169.73,"end":1170.0499,"confidence":0.9790039,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.4523265063762665},{"word":"save","start":1170.0499,"end":1170.2899,"confidence":0.9941406,"punctuated_word":"save","sentiment":"positive","sentiment_score":0.4166783392429352},{"word":"you","start":1170.2899,"end":1170.45,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4906283617019654},{"word":"as","start":1170.45,"end":1170.61,"confidence":0.9980469,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4774784445762634},{"word":"much","start":1170.61,"end":1170.85,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.4642055928707123},{"word":"money","start":1170.85,"end":1171.1699,"confidence":1.0,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.4310778081417084},{"word":"as","start":1171.1699,"end":1171.4099,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3911722898483277},{"word":"possible","start":1171.4099,"end":1171.9099,"confidence":0.9995117,"punctuated_word":"possible.","sentiment":"neutral","sentiment_score":0.30740687251091003},{"word":"okay","start":1172.21,"end":1172.71,"confidence":0.7441406,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.1846569925546646},{"word":"excellent","start":1173.915,"end":1174.415,"confidence":1.0,"punctuated_word":"Excellent.","sentiment":"positive","sentiment_score":0.5272336602210999},{"word":"with","start":1175.435,"end":1175.8351,"confidence":0.7211914,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.3317369520664215},{"word":"we","start":1175.9951,"end":1176.2351,"confidence":0.4543457,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.34713953733444214},{"word":"do","start":1176.2351,"end":1176.395,"confidence":0.75097656,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3740761876106262},{"word":"expect","start":1176.395,"end":1176.795,"confidence":0.9104004,"punctuated_word":"expect,","sentiment":"positive","sentiment_score":0.3344387114048004},{"word":"obviously","start":1176.795,"end":1177.295,"confidence":0.9970703,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.23854458332061768},{"word":"growth","start":1177.435,"end":1177.675,"confidence":0.98535156,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.3028962016105652},{"word":"the","start":1177.8351,"end":1178.0751,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1949186623096466},{"word":"the","start":1178.0751,"end":1178.2351,"confidence":0.89208984,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16639074683189392},{"word":"growth","start":1178.2351,"end":1178.4751,"confidence":0.9980469,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.19763804972171783},{"word":"at","start":1178.4751,"end":1178.635,"confidence":0.96777344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.20898206532001495},{"word":"the","start":1178.635,"end":1178.7151,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20169025659561157},{"word":"bottom","start":1178.7151,"end":1179.035,"confidence":1.0,"punctuated_word":"bottom","sentiment":"neutral","sentiment_score":0.18219901621341705},{"word":"there","start":1179.035,"end":1179.275,"confidence":0.66845703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.20529408752918243},{"word":"is","start":1179.275,"end":1179.435,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.20526131987571716},{"word":"higher","start":1179.435,"end":1179.755,"confidence":0.9675293,"punctuated_word":"higher.","sentiment":"neutral","sentiment_score":0.2356153130531311},{"word":"so","start":1179.755,"end":1179.915,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.24813543260097504},{"word":"with","start":1179.915,"end":1180.155,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.24313271045684817},{"word":"your","start":1180.155,"end":1180.3151,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2745742201805115},{"word":"current","start":1180.3151,"end":1180.7151,"confidence":1.0,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.2249753177165985},{"word":"portfolio","start":1180.7151,"end":1181.2151,"confidence":0.9980469,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.1979089379310608},{"word":"the","start":1181.435,"end":1181.5951,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2554095685482025},{"word":"five","start":1181.5951,"end":1181.8351,"confidence":0.9921875,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.2231670618057251},{"word":"year","start":1181.8351,"end":1182.0751,"confidence":0.9716797,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.23765453696250916},{"word":"rolling","start":1182.0751,"end":1182.555,"confidence":1.0,"punctuated_word":"rolling","sentiment":"neutral","sentiment_score":0.22776103019714355},{"word":"average","start":1182.555,"end":1182.875,"confidence":0.93847656,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.20452703535556793},{"word":"has","start":1182.875,"end":1183.1151,"confidence":0.51123047,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.18421152234077456},{"word":"averaged","start":1183.1151,"end":1183.515,"confidence":0.9790039,"punctuated_word":"averaged","sentiment":"neutral","sentiment_score":0.2451423406600952},{"word":"about","start":1183.515,"end":1183.755,"confidence":0.96777344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.2041708379983902},{"word":"8.32%","start":1183.755,"end":1185.035,"confidence":0.9828125,"punctuated_word":"8.32%","sentiment":"neutral","sentiment_score":0.18921701610088348},{"word":"on","start":1185.035,"end":1185.1951,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.21825715899467468},{"word":"a","start":1185.1951,"end":1185.3551,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19680684804916385},{"word":"yearly","start":1185.3551,"end":1185.755,"confidence":1.0,"punctuated_word":"yearly","sentiment":"neutral","sentiment_score":0.1975480020046234},{"word":"basis","start":1185.755,"end":1186.255,"confidence":0.9995117,"punctuated_word":"basis.","sentiment":"neutral","sentiment_score":0.1810478568077087},{"word":"this","start":1186.59,"end":1186.83,"confidence":0.99609375,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.18386659026145935},{"word":"newer","start":1186.83,"end":1187.3099,"confidence":0.9892578,"punctuated_word":"newer","sentiment":"neutral","sentiment_score":0.14473658800125122},{"word":"portfolio","start":1187.3099,"end":1187.8099,"confidence":0.9255371,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.1670726090669632},{"word":"when","start":1188.03,"end":1188.19,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1958724409341812},{"word":"we","start":1188.19,"end":1188.35,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15271340310573578},{"word":"look","start":1188.35,"end":1188.59,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.15313570201396942},{"word":"at","start":1188.59,"end":1188.6699,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1590099036693573},{"word":"how","start":1188.6699,"end":1188.91,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.17129775881767273},{"word":"it's","start":1188.91,"end":1189.15,"confidence":0.88378906,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.18634657561779025},{"word":"performed","start":1189.15,"end":1189.63,"confidence":0.99902344,"punctuated_word":"performed","sentiment":"neutral","sentiment_score":0.2201693654060364},{"word":"over","start":1189.63,"end":1189.87,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.28901299834251404},{"word":"the","start":1189.87,"end":1189.95,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22263000905513763},{"word":"past","start":1189.95,"end":1190.45,"confidence":1.0,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.23499515652656555},{"word":"five","start":1190.75,"end":1190.99,"confidence":0.99902344,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.17793357372283936},{"word":"years","start":1190.99,"end":1191.3099,"confidence":0.98950195,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.2500544786453247},{"word":"it's","start":1191.3099,"end":1191.5499,"confidence":0.8720703,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2642434239387512},{"word":"averaged","start":1191.5499,"end":1192.03,"confidence":0.99121094,"punctuated_word":"averaged","sentiment":"neutral","sentiment_score":0.28135228157043457},{"word":"about","start":1192.03,"end":1192.35,"confidence":0.87060547,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.2144426107406616},{"word":"17.2","start":1192.35,"end":1193.71,"confidence":0.9923503,"punctuated_word":"17.2","sentiment":"neutral","sentiment_score":0.22879913449287417},{"word":"three","start":1193.87,"end":1194.19,"confidence":0.9394531,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.19869118928909305},{"word":"two","start":1194.19,"end":1194.4299,"confidence":0.9941406,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.1960088610649109},{"word":"percent","start":1194.4299,"end":1194.9299,"confidence":0.78637695,"punctuated_word":"percent,","sentiment":"neutral","sentiment_score":0.27181488275527954},{"word":"and","start":1195.5499,"end":1195.7899,"confidence":0.5883789,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24543428421020508},{"word":"we","start":1195.7899,"end":1195.95,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2425265312194824},{"word":"can","start":1195.95,"end":1196.19,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2642829120159149},{"word":"sort","start":1196.19,"end":1196.4299,"confidence":0.9838867,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2602035701274872},{"word":"of","start":1196.4299,"end":1196.59,"confidence":0.87060547,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23093195259571075},{"word":"see","start":1196.59,"end":1196.91,"confidence":0.9770508,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.26551517844200134},{"word":"if","start":1196.91,"end":1197.07,"confidence":0.94189453,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2564738690853119},{"word":"the","start":1197.07,"end":1197.3099,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2895002067089081},{"word":"market","start":1197.3099,"end":1197.71,"confidence":0.99902344,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.29754990339279175},{"word":"performs","start":1197.71,"end":1198.19,"confidence":0.8588867,"punctuated_word":"performs","sentiment":"neutral","sentiment_score":0.27921581268310547},{"word":"the","start":1198.19,"end":1198.35,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28645825386047363},{"word":"way","start":1198.35,"end":1198.59,"confidence":0.99902344,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.36105313897132874},{"word":"it","start":1198.59,"end":1198.75,"confidence":0.99609375,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3334447741508484},{"word":"has","start":1198.75,"end":1199.15,"confidence":0.99902344,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.3046357333660126},{"word":"over","start":1199.15,"end":1199.47,"confidence":0.99902344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.3239162266254425},{"word":"the","start":1199.47,"end":1199.71,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27765464782714844},{"word":"last","start":1199.71,"end":1200.045,"confidence":0.99902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.26736924052238464},{"word":"five","start":1200.045,"end":1200.285,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.23199966549873352},{"word":"years","start":1200.285,"end":1200.525,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.2781088650226593},{"word":"and","start":1200.525,"end":1200.765,"confidence":0.83203125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.31411346793174744},{"word":"it","start":1200.765,"end":1201.005,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.32039105892181396},{"word":"continues","start":1201.005,"end":1201.505,"confidence":0.9980469,"punctuated_word":"continues","sentiment":"neutral","sentiment_score":0.30488458275794983},{"word":"that","start":1201.5651,"end":1201.805,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.254200279712677},{"word":"way","start":1201.805,"end":1202.2051,"confidence":0.7766113,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":0.23299476504325867},{"word":"on","start":1202.2051,"end":1202.4451,"confidence":0.99902344,"punctuated_word":"On","sentiment":"neutral","sentiment_score":0.14758262038230896},{"word":"the","start":1202.4451,"end":1202.6051,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11484483629465105},{"word":"next","start":1202.6051,"end":1202.925,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.10651204735040665},{"word":"page","start":1202.925,"end":1203.245,"confidence":0.99072266,"punctuated_word":"page,","sentiment":"neutral","sentiment_score":0.11274833977222444},{"word":"you'll","start":1203.245,"end":1203.485,"confidence":0.9995117,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.09761983156204224},{"word":"see","start":1203.485,"end":1203.7251,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.10504797101020812},{"word":"the","start":1203.7251,"end":1203.885,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0678367018699646},{"word":"projection","start":1203.885,"end":1204.385,"confidence":0.9902344,"punctuated_word":"projection","sentiment":"neutral","sentiment_score":0.09796684980392456},{"word":"forward","start":1204.4451,"end":1204.9451,"confidence":0.9199219,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":0.09639732539653778},{"word":"of","start":1205.405,"end":1205.5651,"confidence":0.98095703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08313961327075958},{"word":"where","start":1205.5651,"end":1205.805,"confidence":0.9980469,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.08256135880947113},{"word":"you","start":1205.805,"end":1206.045,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08668111264705658},{"word":"could","start":1206.045,"end":1206.2051,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.07315631210803986},{"word":"end","start":1206.2051,"end":1206.4451,"confidence":1.0,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.09537439048290253},{"word":"up","start":1206.4451,"end":1206.765,"confidence":0.9951172,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.07017745822668076},{"word":"over","start":1206.765,"end":1207.005,"confidence":0.99902344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.10291323065757751},{"word":"the","start":1207.005,"end":1207.0851,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09132254123687744},{"word":"next","start":1207.0851,"end":1207.485,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.07979370653629303},{"word":"five","start":1207.485,"end":1207.645,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.0746183693408966},{"word":"or","start":1207.645,"end":1207.9651,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05370359495282173},{"word":"ten","start":1207.9651,"end":1208.2051,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.06367380917072296},{"word":"years","start":1208.2051,"end":1208.7051,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.07424460351467133},{"word":"depending","start":1208.765,"end":1209.265,"confidence":0.8510742,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":0.08181321620941162},{"word":"on","start":1209.3251,"end":1209.485,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06341256201267242},{"word":"what","start":1209.485,"end":1209.645,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.051204126328229904},{"word":"happens","start":1209.645,"end":1210.045,"confidence":0.9873047,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":0.054787203669548035},{"word":"in","start":1210.045,"end":1210.2051,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0548163503408432},{"word":"the","start":1210.2051,"end":1210.365,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04628654196858406},{"word":"market","start":1210.365,"end":1210.865,"confidence":0.97753906,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":0.04964897036552429},{"word":"so","start":1210.925,"end":1211.425,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0529647171497345},{"word":"i","start":1211.485,"end":1211.645,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.029284067451953888},{"word":"never","start":1211.645,"end":1212.045,"confidence":0.5292969,"punctuated_word":"never","sentiment":"neutral","sentiment_score":0.017309807240962982},{"word":"never","start":1212.045,"end":1212.365,"confidence":0.95166016,"punctuated_word":"never","sentiment":"neutral","sentiment_score":0.002637207508087158},{"word":"gonna","start":1212.365,"end":1212.685,"confidence":0.99316406,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.01229102537035942},{"word":"guarantee","start":1212.685,"end":1213.165,"confidence":0.9980469,"punctuated_word":"guarantee","sentiment":"neutral","sentiment_score":0.009116686880588531},{"word":"you'll","start":1213.165,"end":1213.405,"confidence":0.9941406,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.05910199880599976},{"word":"get","start":1213.405,"end":1213.62,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.09074659645557404},{"word":"17%","start":1213.78,"end":1214.6,"confidence":0.9980469,"punctuated_word":"17%","sentiment":"neutral","sentiment_score":0.12960125505924225},{"word":"every","start":1214.66,"end":1215.14,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.12363845109939577},{"word":"year","start":1215.14,"end":1215.62,"confidence":0.9890137,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.042860228568315506},{"word":"however","start":1215.62,"end":1216.12,"confidence":0.9995117,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":0.04326952248811722},{"word":"if","start":1216.18,"end":1216.42,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0847945362329483},{"word":"the","start":1216.42,"end":1216.58,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08430005609989166},{"word":"market","start":1216.58,"end":1216.9,"confidence":0.99121094,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.13811352849006653},{"word":"was","start":1216.9,"end":1217.14,"confidence":0.9970703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.05935492366552353},{"word":"able","start":1217.14,"end":1217.38,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.11528626084327698},{"word":"to","start":1217.38,"end":1217.62,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12338010221719742},{"word":"generate","start":1217.62,"end":1218.12,"confidence":1.0,"punctuated_word":"generate","sentiment":"neutral","sentiment_score":0.13288140296936035},{"word":"that","start":1218.18,"end":1218.42,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13708952069282532},{"word":"over","start":1218.42,"end":1218.66,"confidence":0.99902344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.17243939638137817},{"word":"the","start":1218.66,"end":1218.82,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15130923688411713},{"word":"next","start":1218.82,"end":1219.22,"confidence":0.99902344,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.12518742680549622},{"word":"five","start":1219.22,"end":1219.46,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.12479212880134584},{"word":"to","start":1219.46,"end":1219.62,"confidence":0.9741211,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.089152991771698},{"word":"ten","start":1219.62,"end":1219.86,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.13074499368667605},{"word":"years","start":1219.86,"end":1220.36,"confidence":0.9970703,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.11766205728054048},{"word":"this","start":1220.5,"end":1220.74,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.13877759873867035},{"word":"is","start":1220.74,"end":1220.98,"confidence":0.97314453,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12495754659175871},{"word":"essentially","start":1220.98,"end":1221.46,"confidence":0.9760742,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.11103546619415285},{"word":"where","start":1221.46,"end":1221.62,"confidence":0.9951172,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.08924945443868637},{"word":"you","start":1221.62,"end":1221.78,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13060641288757324},{"word":"could","start":1221.78,"end":1222.02,"confidence":0.99902344,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.1104651391506195},{"word":"see","start":1222.02,"end":1222.18,"confidence":0.98828125,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.08187931030988693},{"word":"your","start":1222.18,"end":1222.42,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06868098676204681},{"word":"balance","start":1222.42,"end":1222.9,"confidence":0.99902344,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.05836813151836395},{"word":"ending","start":1222.9,"end":1223.3,"confidence":1.0,"punctuated_word":"ending","sentiment":"neutral","sentiment_score":0.0836997777223587},{"word":"up","start":1223.3,"end":1223.78,"confidence":0.99902344,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.07866794615983963},{"word":"okay","start":1223.78,"end":1224.28,"confidence":0.9838867,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.08665179461240768},{"word":"beautiful","start":1225.46,"end":1225.96,"confidence":0.97802734,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.552485466003418},{"word":"yeah","start":1226.895,"end":1227.2151,"confidence":0.99316406,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.4316601157188415},{"word":"and","start":1227.2151,"end":1227.535,"confidence":0.9863281,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.4346449971199035},{"word":"we'll","start":1227.535,"end":1227.6951,"confidence":0.9995117,"punctuated_word":"we'll","sentiment":"positive","sentiment_score":0.4682433009147644},{"word":"just","start":1227.6951,"end":1227.935,"confidence":0.99902344,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.46394702792167664},{"word":"keep","start":1227.935,"end":1228.175,"confidence":0.9970703,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.4969385266304016},{"word":"making","start":1228.175,"end":1228.495,"confidence":1.0,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.42266878485679626},{"word":"sure","start":1228.495,"end":1228.655,"confidence":1.0,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.384970486164093},{"word":"we","start":1228.655,"end":1228.895,"confidence":0.9970703,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4146203398704529},{"word":"do","start":1228.895,"end":1229.055,"confidence":0.9980469,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.4054972231388092},{"word":"our","start":1229.055,"end":1229.295,"confidence":0.9658203,"punctuated_word":"our","sentiment":"positive","sentiment_score":0.3856983184814453},{"word":"reviews","start":1229.295,"end":1229.6951,"confidence":0.99609375,"punctuated_word":"reviews","sentiment":"positive","sentiment_score":0.37982162833213806},{"word":"every","start":1229.6951,"end":1229.935,"confidence":0.9980469,"punctuated_word":"every","sentiment":"positive","sentiment_score":0.3928036093711853},{"word":"year","start":1229.935,"end":1230.175,"confidence":0.99902344,"punctuated_word":"year","sentiment":"positive","sentiment_score":0.4121015667915344},{"word":"with","start":1230.175,"end":1230.415,"confidence":0.9980469,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.42370742559432983},{"word":"you","start":1230.415,"end":1230.735,"confidence":0.97094727,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.45778539776802063},{"word":"see","start":1230.735,"end":1230.975,"confidence":0.9980469,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.4449591934680938},{"word":"how","start":1230.975,"end":1231.135,"confidence":1.0,"punctuated_word":"how","sentiment":"positive","sentiment_score":0.3889656662940979},{"word":"things","start":1231.135,"end":1231.4551,"confidence":1.0,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.47083377838134766},{"word":"are","start":1231.4551,"end":1231.615,"confidence":0.99902344,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.45046135783195496},{"word":"going","start":1231.615,"end":1232.095,"confidence":0.98291016,"punctuated_word":"going,","sentiment":"positive","sentiment_score":0.4865540862083435},{"word":"and","start":1232.095,"end":1232.255,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3981556296348572},{"word":"make","start":1232.255,"end":1232.495,"confidence":0.9980469,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.4360375702381134},{"word":"sure","start":1232.495,"end":1232.655,"confidence":1.0,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.4193282425403595},{"word":"you're","start":1232.655,"end":1232.895,"confidence":0.9819336,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.441282719373703},{"word":"sort","start":1232.895,"end":1233.055,"confidence":0.9921875,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.42727887630462646},{"word":"of","start":1233.055,"end":1233.2151,"confidence":0.9980469,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4287236034870148},{"word":"looking","start":1233.2151,"end":1233.535,"confidence":1.0,"punctuated_word":"looking","sentiment":"positive","sentiment_score":0.3807968497276306},{"word":"forward","start":1233.535,"end":1233.855,"confidence":0.9716797,"punctuated_word":"forward","sentiment":"positive","sentiment_score":0.3965854346752167},{"word":"and","start":1233.855,"end":1234.015,"confidence":0.5371094,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4198528528213501},{"word":"on","start":1234.015,"end":1234.175,"confidence":0.99121094,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.4352194964885712},{"word":"track","start":1234.175,"end":1234.495,"confidence":0.9951172,"punctuated_word":"track","sentiment":"positive","sentiment_score":0.37576499581336975},{"word":"there","start":1234.495,"end":1234.895,"confidence":0.99609375,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.27933645248413086},{"word":"okay","start":1234.895,"end":1235.395,"confidence":0.9404297,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.1534101963043213},{"word":"beautiful","start":1236.8151,"end":1237.3151,"confidence":0.94677734,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.40183496475219727},{"word":"i","start":1238.8151,"end":1239.055,"confidence":0.56347656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11107683926820756},{"word":"do","start":1239.055,"end":1239.2151,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07146772742271423},{"word":"obviously","start":1239.2151,"end":1239.615,"confidence":0.72021484,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.02115500718355179},{"word":"have","start":1239.615,"end":1239.855,"confidence":0.96777344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.019302666187286377},{"word":"in","start":1239.855,"end":1240.015,"confidence":0.9086914,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.016230545938014984},{"word":"there","start":1240.015,"end":1240.175,"confidence":0.96435547,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.03446456044912338},{"word":"the","start":1240.175,"end":1240.3351,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03321804106235504},{"word":"advantages","start":1240.3351,"end":1240.8351,"confidence":0.96728516,"punctuated_word":"advantages,","sentiment":"neutral","sentiment_score":0.0005959086120128632},{"word":"disadvantages","start":1240.895,"end":1241.395,"confidence":0.9667969,"punctuated_word":"disadvantages,","sentiment":"neutral","sentiment_score":-0.07550621777772903},{"word":"the","start":1241.6951,"end":1241.775,"confidence":0.88964844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08126962184906006},{"word":"risks","start":1241.775,"end":1242.06,"confidence":0.8496094,"punctuated_word":"risks","sentiment":"neutral","sentiment_score":-0.06357499212026596},{"word":"involved","start":1242.2201,"end":1242.54,"confidence":0.7524414,"punctuated_word":"involved.","sentiment":"neutral","sentiment_score":-0.06024045869708061},{"word":"the","start":1242.54,"end":1242.7001,"confidence":0.9980469,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.011035516858100893},{"word":"advantages","start":1242.7001,"end":1243.2001,"confidence":0.8457031,"punctuated_word":"advantages","sentiment":"neutral","sentiment_score":0.12534354627132416},{"word":"of","start":1243.3401,"end":1243.5,"confidence":0.6977539,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13193774223327637},{"word":"this","start":1243.5,"end":1243.7401,"confidence":0.9111328,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.14977124333381653},{"word":"portfolio","start":1243.7401,"end":1244.2401,"confidence":0.99902344,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.09053507447242735},{"word":"is","start":1244.8601,"end":1245.1001,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3247288763523102},{"word":"definitely","start":1245.1001,"end":1245.5,"confidence":0.99609375,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.3353331685066223},{"word":"a","start":1245.5,"end":1245.5801,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4581794738769531},{"word":"lot","start":1245.5801,"end":1245.8201,"confidence":0.99902344,"punctuated_word":"lot","sentiment":"positive","sentiment_score":0.4027874171733856},{"word":"cheaper","start":1245.8201,"end":1246.2201,"confidence":0.99609375,"punctuated_word":"cheaper","sentiment":"positive","sentiment_score":0.3840338587760926},{"word":"for","start":1246.2201,"end":1246.54,"confidence":0.99902344,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3975937664508819},{"word":"you","start":1246.54,"end":1246.78,"confidence":0.79467773,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.351032018661499},{"word":"has","start":1246.78,"end":1247.02,"confidence":0.98828125,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.3670771718025207},{"word":"performed","start":1247.02,"end":1247.52,"confidence":0.99609375,"punctuated_word":"performed","sentiment":"positive","sentiment_score":0.49008578062057495},{"word":"much","start":1247.5801,"end":1247.9,"confidence":0.88964844,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.4403266906738281},{"word":"greater","start":1247.9,"end":1248.2201,"confidence":0.9819336,"punctuated_word":"greater","sentiment":"positive","sentiment_score":0.4460623562335968},{"word":"there","start":1248.2201,"end":1248.4601,"confidence":0.9506836,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.2313552051782608},{"word":"the","start":1248.4601,"end":1248.6201,"confidence":0.97265625,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.1713285744190216},{"word":"disadvantages","start":1248.6201,"end":1249.1201,"confidence":0.99902344,"punctuated_word":"disadvantages","sentiment":"neutral","sentiment_score":-0.2029815912246704},{"word":"are","start":1249.5801,"end":1249.7401,"confidence":0.98095703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.24728211760520935},{"word":"that","start":1249.7401,"end":1249.9,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2983092665672302},{"word":"you've","start":1249.9,"end":1250.14,"confidence":0.99902344,"punctuated_word":"you've","sentiment":"negative","sentiment_score":-0.379147469997406},{"word":"got","start":1250.14,"end":1250.3,"confidence":1.0,"punctuated_word":"got","sentiment":"negative","sentiment_score":-0.41812118887901306},{"word":"the","start":1250.3,"end":1250.54,"confidence":0.99316406,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3857036232948303},{"word":"cgt","start":1250.54,"end":1251.04,"confidence":0.7434082,"punctuated_word":"CGT","sentiment":"negative","sentiment_score":-0.37979429960250854},{"word":"consequences","start":1251.26,"end":1251.76,"confidence":0.9946289,"punctuated_word":"consequences.","sentiment":"neutral","sentiment_score":-0.326090931892395},{"word":"there's","start":1251.9801,"end":1252.2201,"confidence":1.0,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.3143109679222107},{"word":"also","start":1252.2201,"end":1252.6201,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.2737885117530823},{"word":"no","start":1252.6201,"end":1252.78,"confidence":0.99902344,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.312092125415802},{"word":"guarantees","start":1252.78,"end":1253.28,"confidence":0.9370117,"punctuated_word":"guarantees","sentiment":"neutral","sentiment_score":-0.30221325159072876},{"word":"market","start":1253.5,"end":1253.8201,"confidence":0.9194336,"punctuated_word":"market","sentiment":"negative","sentiment_score":-0.3553234040737152},{"word":"will","start":1253.8201,"end":1254.165,"confidence":0.95703125,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.3172307312488556},{"word":"markets","start":1254.3251,"end":1254.645,"confidence":0.6142578,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":-0.27094411849975586},{"word":"will","start":1254.645,"end":1255.045,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.2773172855377197},{"word":"react","start":1255.045,"end":1255.365,"confidence":0.99902344,"punctuated_word":"react","sentiment":"neutral","sentiment_score":-0.29993340373039246},{"word":"the","start":1255.365,"end":1255.4451,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.21121971309185028},{"word":"way","start":1255.4451,"end":1255.605,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.1935928910970688},{"word":"they","start":1255.605,"end":1255.765,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.2332338839769363},{"word":"have","start":1255.765,"end":1255.925,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.23899182677268985},{"word":"in","start":1255.925,"end":1256.0851,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.18340328335762024},{"word":"the","start":1256.0851,"end":1256.165,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2020735740661621},{"word":"past","start":1256.165,"end":1256.665,"confidence":0.8930664,"punctuated_word":"past,","sentiment":"neutral","sentiment_score":-0.23113250732421875},{"word":"but","start":1257.125,"end":1257.365,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.07633903622627258},{"word":"we","start":1257.365,"end":1257.525,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.30674099922180176},{"word":"certainly","start":1257.525,"end":1257.925,"confidence":0.9970703,"punctuated_word":"certainly","sentiment":"neutral","sentiment_score":0.32179099321365356},{"word":"do","start":1257.925,"end":1258.165,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2874605655670166},{"word":"hope","start":1258.165,"end":1258.405,"confidence":0.99902344,"punctuated_word":"hope","sentiment":"neutral","sentiment_score":0.302267849445343},{"word":"so","start":1258.405,"end":1258.645,"confidence":0.6713867,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.3170902132987976},{"word":"and","start":1258.645,"end":1258.7251,"confidence":0.98828125,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.4421682357788086},{"word":"this","start":1258.7251,"end":1259.045,"confidence":0.9980469,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.5336780548095703},{"word":"portfolio","start":1259.045,"end":1259.545,"confidence":0.99902344,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.3936031758785248},{"word":"has","start":1259.765,"end":1260.0851,"confidence":0.9941406,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.4569588899612427},{"word":"shown","start":1260.0851,"end":1260.5651,"confidence":0.99609375,"punctuated_word":"shown","sentiment":"positive","sentiment_score":0.44029638171195984},{"word":"over","start":1260.5651,"end":1260.805,"confidence":0.9863281,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.5401302576065063},{"word":"the","start":1260.805,"end":1260.9651,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5084593296051025},{"word":"past","start":1260.9651,"end":1261.285,"confidence":0.99853516,"punctuated_word":"past,","sentiment":"positive","sentiment_score":0.5024533867835999},{"word":"you","start":1261.285,"end":1261.4451,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.46115589141845703},{"word":"know","start":1261.4451,"end":1261.685,"confidence":1.0,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.4777960479259491},{"word":"three","start":1261.685,"end":1261.925,"confidence":1.0,"punctuated_word":"three","sentiment":"positive","sentiment_score":0.5015038251876831},{"word":"to","start":1261.925,"end":1262.0851,"confidence":0.99609375,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3448541462421417},{"word":"five","start":1262.0851,"end":1262.3251,"confidence":1.0,"punctuated_word":"five","sentiment":"positive","sentiment_score":0.4886921048164368},{"word":"to","start":1262.3251,"end":1262.485,"confidence":0.984375,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3489503264427185},{"word":"ten","start":1262.485,"end":1262.7251,"confidence":1.0,"punctuated_word":"ten","sentiment":"positive","sentiment_score":0.5000842809677124},{"word":"years","start":1262.7251,"end":1263.125,"confidence":1.0,"punctuated_word":"years","sentiment":"positive","sentiment_score":0.5477458238601685},{"word":"that","start":1263.125,"end":1263.525,"confidence":0.9760742,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4905375838279724},{"word":"it's","start":1263.525,"end":1263.765,"confidence":0.8876953,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.49296602606773376},{"word":"had","start":1263.765,"end":1264.005,"confidence":0.98535156,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.5416070818901062},{"word":"a","start":1264.005,"end":1264.0851,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4551476836204529},{"word":"much","start":1264.0851,"end":1264.3251,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.4393589198589325},{"word":"greater","start":1264.3251,"end":1264.7251,"confidence":0.9970703,"punctuated_word":"greater","sentiment":"positive","sentiment_score":0.40571168065071106},{"word":"track","start":1264.7251,"end":1265.125,"confidence":0.9980469,"punctuated_word":"track","sentiment":"positive","sentiment_score":0.4772023856639862},{"word":"record","start":1265.125,"end":1265.625,"confidence":0.8100586,"punctuated_word":"record.","sentiment":"positive","sentiment_score":0.4184997081756592},{"word":"so","start":1265.685,"end":1266.0851,"confidence":1.0,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3406861424446106},{"word":"we","start":1266.0851,"end":1266.3251,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.43235132098197937},{"word":"utilize","start":1266.3251,"end":1266.8251,"confidence":0.9003906,"punctuated_word":"utilize","sentiment":"positive","sentiment_score":0.47465139627456665},{"word":"that","start":1266.9651,"end":1267.2051,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5021565556526184},{"word":"data","start":1267.2051,"end":1267.685,"confidence":1.0,"punctuated_word":"data","sentiment":"positive","sentiment_score":0.5420507192611694},{"word":"to","start":1267.685,"end":1268.005,"confidence":0.6894531,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4177999496459961},{"word":"project","start":1268.005,"end":1268.505,"confidence":0.5732422,"punctuated_word":"project","sentiment":"positive","sentiment_score":0.5363479852676392},{"word":"forward","start":1268.645,"end":1269.145,"confidence":0.8925781,"punctuated_word":"forward","sentiment":"positive","sentiment_score":0.5033289790153503},{"word":"knowing","start":1269.285,"end":1269.605,"confidence":0.90771484,"punctuated_word":"knowing","sentiment":"positive","sentiment_score":0.4853671193122864},{"word":"that","start":1269.605,"end":1270.08,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.46162113547325134},{"word":"this","start":1270.24,"end":1270.48,"confidence":1.0,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.48614147305488586},{"word":"is","start":1270.48,"end":1270.5599,"confidence":0.9970703,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3863651156425476},{"word":"what","start":1270.5599,"end":1270.7999,"confidence":1.0,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.4027794301509857},{"word":"it","start":1270.7999,"end":1270.96,"confidence":0.99902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4600127339363098},{"word":"could","start":1270.96,"end":1271.2,"confidence":1.0,"punctuated_word":"could","sentiment":"positive","sentiment_score":0.3931933641433716},{"word":"do","start":1271.2,"end":1271.6799,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.38848039507865906},{"word":"in","start":1271.6799,"end":1271.84,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.33909210562705994},{"word":"the","start":1271.84,"end":1272.0,"confidence":0.98828125,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.37319010496139526},{"word":"future","start":1272.0,"end":1272.3999,"confidence":1.0,"punctuated_word":"future","sentiment":"positive","sentiment_score":0.39098501205444336},{"word":"if","start":1272.3999,"end":1272.64,"confidence":0.98535156,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.35289499163627625},{"word":"it","start":1272.64,"end":1272.72,"confidence":0.99609375,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.33454257249832153},{"word":"acted","start":1272.72,"end":1273.0399,"confidence":0.9741211,"punctuated_word":"acted","sentiment":"neutral","sentiment_score":0.2809123992919922},{"word":"the","start":1273.0399,"end":1273.2,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3026365041732788},{"word":"same","start":1273.2,"end":1273.44,"confidence":0.99902344,"punctuated_word":"same","sentiment":"positive","sentiment_score":0.33810651302337646},{"word":"way","start":1273.44,"end":1273.6799,"confidence":0.9970703,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.33698567748069763},{"word":"it","start":1273.6799,"end":1273.76,"confidence":0.9863281,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3404197692871094},{"word":"has","start":1273.76,"end":1274.0,"confidence":0.99609375,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.27201494574546814},{"word":"in","start":1274.0,"end":1274.24,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2453427016735077},{"word":"the","start":1274.24,"end":1274.32,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2470363527536392},{"word":"past","start":1274.32,"end":1274.82,"confidence":0.99853516,"punctuated_word":"past.","sentiment":"neutral","sentiment_score":0.2577262818813324},{"word":"okay","start":1275.12,"end":1275.62,"confidence":0.73950195,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.06656750291585922},{"word":"yeah","start":1276.3999,"end":1276.8999,"confidence":0.98950195,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0993153601884842},{"word":"yvonne","start":1278.24,"end":1278.74,"confidence":0.8441162,"punctuated_word":"Yvonne,","sentiment":"neutral","sentiment_score":0.12894248962402344},{"word":"with","start":1278.7999,"end":1279.0399,"confidence":0.9951172,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14857403934001925},{"word":"your","start":1279.0399,"end":1279.36,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1460379660129547},{"word":"portfolio","start":1279.36,"end":1279.86,"confidence":0.96850586,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.13955794274806976},{"word":"you're","start":1280.1599,"end":1280.3999,"confidence":0.9946289,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1540740132331848},{"word":"in","start":1280.3999,"end":1280.5599,"confidence":0.8911133,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15515485405921936},{"word":"a","start":1280.5599,"end":1280.64,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16741658747196198},{"word":"growth","start":1280.64,"end":1281.0399,"confidence":0.8745117,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.18189993500709536},{"word":"portfolio","start":1281.0399,"end":1281.5399,"confidence":0.8317871,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.1346546709537506},{"word":"so","start":1281.6,"end":1281.9199,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1297912895679474},{"word":"you're","start":1281.9199,"end":1282.24,"confidence":0.99609375,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.16720198094844818},{"word":"a","start":1282.24,"end":1282.32,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17479997873306274},{"word":"little","start":1282.32,"end":1282.5599,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.1482284516096115},{"word":"bit","start":1282.5599,"end":1282.7999,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1587199568748474},{"word":"lower","start":1282.7999,"end":1283.12,"confidence":0.99902344,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.11568713188171388},{"word":"risk","start":1283.12,"end":1283.355,"confidence":0.99609375,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.020791031420230865},{"word":"on","start":1283.515,"end":1283.755,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.14401426911354065},{"word":"things","start":1283.755,"end":1284.075,"confidence":0.9970703,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.13661102950572968},{"word":"than","start":1284.075,"end":1284.315,"confidence":0.9316406,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.12005320936441422},{"word":"where","start":1284.315,"end":1284.715,"confidence":0.99902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.11674178391695024},{"word":"peter","start":1284.715,"end":1285.035,"confidence":0.98535156,"punctuated_word":"Peter","sentiment":"neutral","sentiment_score":0.07145637273788452},{"word":"is","start":1285.035,"end":1285.195,"confidence":0.970459,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.09668822586536407},{"word":"he's","start":1285.195,"end":1285.4349,"confidence":0.9980469,"punctuated_word":"He's","sentiment":"neutral","sentiment_score":0.11346419155597688},{"word":"in","start":1285.4349,"end":1285.595,"confidence":0.99316406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1063494235277176},{"word":"that","start":1285.595,"end":1285.755,"confidence":0.95410156,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1308855265378952},{"word":"high","start":1285.755,"end":1285.995,"confidence":0.9970703,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.06776151061058044},{"word":"growth","start":1285.995,"end":1286.315,"confidence":0.99121094,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.0868990421295166},{"word":"environment","start":1286.315,"end":1286.815,"confidence":0.9682617,"punctuated_word":"environment.","sentiment":"neutral","sentiment_score":0.0980181097984314},{"word":"and","start":1287.515,"end":1287.835,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08207984268665314},{"word":"on","start":1287.835,"end":1288.075,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.10016191005706788},{"word":"page","start":1288.075,"end":1288.475,"confidence":0.99902344,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.10025501251220705},{"word":"number","start":1288.475,"end":1288.875,"confidence":1.0,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.12199874222278596},{"word":"30","start":1288.875,"end":1289.355,"confidence":0.99902344,"punctuated_word":"30","sentiment":"neutral","sentiment_score":0.13826675713062286},{"word":"is","start":1289.355,"end":1289.6749,"confidence":0.98535156,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09302842617034912},{"word":"essentially","start":1289.6749,"end":1290.155,"confidence":0.8984375,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.0883401483297348},{"word":"the","start":1290.155,"end":1290.315,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08620908856391907},{"word":"changes","start":1290.315,"end":1290.715,"confidence":0.99609375,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.10559193789958954},{"word":"we'll","start":1290.715,"end":1290.955,"confidence":0.9951172,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.09796562045812608},{"word":"make","start":1290.955,"end":1291.275,"confidence":0.9980469,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.10848521441221236},{"word":"to","start":1291.275,"end":1291.355,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07761362195014954},{"word":"yours","start":1291.355,"end":1291.855,"confidence":0.9890137,"punctuated_word":"yours.","sentiment":"neutral","sentiment_score":0.07224302738904953},{"word":"that's","start":1295.4349,"end":1295.835,"confidence":0.9904785,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.11372147500514984},{"word":"okay","start":1295.835,"end":1296.315,"confidence":0.9980469,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.11936300992965698},{"word":"you're","start":1296.315,"end":1296.715,"confidence":0.98706055,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.12526941299438477},{"word":"fine","start":1296.715,"end":1297.215,"confidence":0.99902344,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.0856928899884224},{"word":"yeah","start":1299.3501,"end":1299.8501,"confidence":0.82128906,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03832061588764191},{"word":"mhmm","start":1303.99,"end":1304.49,"confidence":0.963501,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.10201942920684814},{"word":"well","start":1310.9651,"end":1311.2051,"confidence":0.84350586,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.04289759323000908},{"word":"i","start":1311.2051,"end":1311.285,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02066165953874588},{"word":"did","start":1311.285,"end":1311.685,"confidence":0.98535156,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.0064840614795684814},{"word":"sort","start":1311.685,"end":1311.8451,"confidence":0.9921875,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.03925848007202149},{"word":"of","start":1311.8451,"end":1312.005,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02623455226421356},{"word":"look","start":1312.005,"end":1312.245,"confidence":0.9970703,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.03158026933670044},{"word":"at","start":1312.245,"end":1312.3251,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.010120168328285216},{"word":"that","start":1312.3251,"end":1312.645,"confidence":0.76660156,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.022535916417837143},{"word":"and","start":1312.645,"end":1312.885,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05455198138952255},{"word":"our","start":1312.885,"end":1313.045,"confidence":0.8510742,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.0007552802562713623},{"word":"interest","start":1313.045,"end":1313.3651,"confidence":0.9951172,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.022763535380363464},{"word":"rates","start":1313.3651,"end":1313.525,"confidence":0.95410156,"punctuated_word":"rates","sentiment":"neutral","sentiment_score":0.02373369038105011},{"word":"have","start":1313.525,"end":1313.765,"confidence":0.9350586,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03129217028617859},{"word":"definitely","start":1313.765,"end":1314.165,"confidence":0.99121094,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.0459311380982399},{"word":"changed","start":1314.165,"end":1314.665,"confidence":0.9970703,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":0.05478593707084656},{"word":"since","start":1314.7251,"end":1315.2251,"confidence":0.99902344,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.08451900631189346},{"word":"since","start":1316.805,"end":1317.125,"confidence":0.9013672,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.06157396733760834},{"word":"we","start":1317.125,"end":1317.3651,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05920892953872681},{"word":"sort","start":1317.3651,"end":1317.6051,"confidence":0.9526367,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.02588269859552383},{"word":"of","start":1317.6051,"end":1317.765,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04240594059228897},{"word":"last","start":1317.765,"end":1318.0851,"confidence":0.9428711,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.0515502467751503},{"word":"spoke","start":1318.0851,"end":1318.4851,"confidence":0.8769531,"punctuated_word":"spoke.","sentiment":"neutral","sentiment_score":0.0429871529340744},{"word":"so","start":1318.4851,"end":1318.805,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06268507242202759},{"word":"i","start":1318.805,"end":1318.885,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04618121683597565},{"word":"can","start":1318.885,"end":1319.2051,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06515161693096161},{"word":"relook","start":1319.2051,"end":1319.6051,"confidence":0.9284668,"punctuated_word":"relook","sentiment":"neutral","sentiment_score":0.07242734730243683},{"word":"at","start":1319.6051,"end":1319.765,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06422131508588791},{"word":"it","start":1319.765,"end":1319.925,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08336596190929413},{"word":"again","start":1319.925,"end":1320.3251,"confidence":0.99902344,"punctuated_word":"again","sentiment":"neutral","sentiment_score":0.13224811851978302},{"word":"for","start":1320.3251,"end":1320.645,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11065749824047089},{"word":"you","start":1320.645,"end":1321.045,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.05385470390319824},{"word":"at","start":1321.045,"end":1321.285,"confidence":1.0,"punctuated_word":"At","sentiment":"neutral","sentiment_score":0.03543434292078018},{"word":"the","start":1321.285,"end":1321.4451,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06277431547641754},{"word":"moment","start":1321.4451,"end":1321.9451,"confidence":0.9980469,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.09724757075309752},{"word":"i've","start":1322.0851,"end":1322.3251,"confidence":0.99658203,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.0922299027442932},{"word":"left","start":1322.3251,"end":1322.645,"confidence":0.99902344,"punctuated_word":"left","sentiment":"neutral","sentiment_score":0.09851380437612534},{"word":"it","start":1322.645,"end":1322.885,"confidence":0.98828125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11138512939214706},{"word":"in","start":1322.885,"end":1323.2051,"confidence":0.99609375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10716244578361513},{"word":"super","start":1323.2051,"end":1323.685,"confidence":0.5961914,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.2236675322055817},{"word":"and","start":1323.685,"end":1323.925,"confidence":0.9760742,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18978384137153623},{"word":"tried","start":1323.925,"end":1324.245,"confidence":0.99121094,"punctuated_word":"tried","sentiment":"neutral","sentiment_score":0.214287132024765},{"word":"to","start":1324.245,"end":1324.405,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22960087656974792},{"word":"make","start":1324.405,"end":1324.645,"confidence":0.9970703,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.260958194732666},{"word":"it","start":1324.645,"end":1324.805,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2664233446121216},{"word":"work","start":1324.805,"end":1325.285,"confidence":0.99853516,"punctuated_word":"work,","sentiment":"neutral","sentiment_score":0.22109971940517423},{"word":"you","start":1325.285,"end":1325.4451,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1654813587665558},{"word":"know","start":1325.4451,"end":1325.91,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.17926040291786194},{"word":"with","start":1326.0701,"end":1326.31,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.23039597272872925},{"word":"the","start":1326.31,"end":1326.55,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.192524716258049},{"word":"portfolio","start":1326.55,"end":1327.05,"confidence":0.99902344,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.1983710676431656},{"word":"as","start":1327.11,"end":1327.27,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.25701767206192017},{"word":"much","start":1327.27,"end":1327.51,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.2365114539861679},{"word":"as","start":1327.51,"end":1327.67,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2158278524875641},{"word":"possible","start":1327.67,"end":1328.17,"confidence":0.7237549,"punctuated_word":"possible.","sentiment":"neutral","sentiment_score":0.14272640645503998},{"word":"because","start":1329.11,"end":1329.43,"confidence":0.6010742,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.11576149612665176},{"word":"your","start":1329.43,"end":1329.75,"confidence":0.9941406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16780608892440796},{"word":"goal","start":1329.75,"end":1329.99,"confidence":0.99609375,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":0.17852386832237244},{"word":"at","start":1329.99,"end":1330.15,"confidence":0.96972656,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.16570597887039185},{"word":"the","start":1330.15,"end":1330.23,"confidence":0.9838867,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14942914247512817},{"word":"time","start":1330.23,"end":1330.55,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.17347927391529083},{"word":"was","start":1330.55,"end":1330.79,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.16808652877807617},{"word":"to","start":1330.79,"end":1330.9501,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1867433339357376},{"word":"kinda","start":1330.9501,"end":1331.27,"confidence":0.9116211,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.21669988334178925},{"word":"keep","start":1331.27,"end":1331.43,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.24908412992954257},{"word":"it","start":1331.43,"end":1331.5901,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2768573760986328},{"word":"working","start":1331.5901,"end":1331.99,"confidence":0.92944336,"punctuated_word":"working.","sentiment":"neutral","sentiment_score":0.1546791046857834},{"word":"you","start":1331.99,"end":1332.15,"confidence":0.97998047,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.004847414791584015},{"word":"said","start":1332.15,"end":1332.31,"confidence":0.9980469,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.003994956612586975},{"word":"you","start":1332.31,"end":1332.39,"confidence":0.9741211,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.009419724345207214},{"word":"didn't","start":1332.39,"end":1332.63,"confidence":0.99853516,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.02358629554510117},{"word":"wanna","start":1332.63,"end":1332.87,"confidence":0.921875,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.0349796861410141},{"word":"touch","start":1332.87,"end":1333.1901,"confidence":0.9428711,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":-0.051740601658821106},{"word":"it","start":1333.1901,"end":1333.27,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0015170350670814514},{"word":"for","start":1333.27,"end":1333.51,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.021983712911605835},{"word":"ten","start":1333.51,"end":1333.75,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":-0.013024771586060524},{"word":"years","start":1333.75,"end":1334.15,"confidence":0.8046875,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.0006744141574017704},{"word":"but","start":1334.15,"end":1334.65,"confidence":0.9921875,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.17628879845142365},{"word":"if","start":1334.87,"end":1335.11,"confidence":0.98828125,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12990841269493103},{"word":"you","start":1335.11,"end":1335.27,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10504797101020812},{"word":"wanna","start":1335.27,"end":1335.5901,"confidence":0.97802734,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1075855940580368},{"word":"if","start":1335.75,"end":1335.99,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.10113425552845},{"word":"you","start":1335.99,"end":1336.0701,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03653325140476227},{"word":"want","start":1336.0701,"end":1336.31,"confidence":0.99902344,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.020365476608276367},{"word":"to","start":1336.31,"end":1336.55,"confidence":0.95288086,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.06590162962675095},{"word":"i","start":1336.55,"end":1336.63,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12390722334384918},{"word":"can","start":1336.63,"end":1336.87,"confidence":0.98291016,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10986174643039703},{"word":"go","start":1336.87,"end":1337.11,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.10306980460882188},{"word":"back","start":1337.11,"end":1337.27,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.06276217848062515},{"word":"and","start":1337.27,"end":1337.43,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03665299713611603},{"word":"have","start":1337.43,"end":1337.67,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.061625510454177856},{"word":"a","start":1337.67,"end":1337.75,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09896568953990936},{"word":"look","start":1337.75,"end":1337.99,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.05987544357776642},{"word":"at","start":1337.99,"end":1338.15,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06281949579715729},{"word":"the","start":1338.15,"end":1338.23,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.007512867450714111},{"word":"difference","start":1338.23,"end":1338.73,"confidence":0.9941406,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":-0.01330024003982544},{"word":"and","start":1339.085,"end":1339.245,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.012009814381599426},{"word":"see","start":1339.245,"end":1339.485,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.01900053769350052},{"word":"if","start":1339.485,"end":1339.725,"confidence":0.98706055,"punctuated_word":"if,","sentiment":"neutral","sentiment_score":-0.02177083119750023},{"word":"you","start":1339.725,"end":1339.805,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.061112940311431885},{"word":"know","start":1339.805,"end":1340.045,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.04914864897727966},{"word":"it's","start":1340.045,"end":1340.205,"confidence":0.97021484,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.06302016973495483},{"word":"better","start":1340.205,"end":1340.525,"confidence":0.99609375,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.1080922782421112},{"word":"to","start":1340.525,"end":1340.605,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02718319743871689},{"word":"put","start":1340.605,"end":1340.845,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.0010965019464492798},{"word":"it","start":1340.845,"end":1341.005,"confidence":0.9741211,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0011411011219024658},{"word":"on","start":1341.005,"end":1341.165,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.01071031391620636},{"word":"the","start":1341.165,"end":1341.3251,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.005112595856189728},{"word":"house","start":1341.3251,"end":1341.725,"confidence":0.87597656,"punctuated_word":"house.","sentiment":"neutral","sentiment_score":0.052926670759916306},{"word":"or","start":1341.725,"end":1342.205,"confidence":1.0,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.0044894106686115265},{"word":"if","start":1342.205,"end":1342.4451,"confidence":0.97314453,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0042029377073049545},{"word":"at","start":1342.4451,"end":1342.605,"confidence":0.91015625,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0588928684592247},{"word":"any","start":1342.605,"end":1342.845,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.07657961547374725},{"word":"point","start":1342.845,"end":1343.085,"confidence":1.0,"punctuated_word":"point","sentiment":"neutral","sentiment_score":-0.014540530741214752},{"word":"you","start":1343.085,"end":1343.3251,"confidence":0.81640625,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07266737520694733},{"word":"decide","start":1343.3251,"end":1343.805,"confidence":0.9980469,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.07949983328580856},{"word":"you","start":1343.805,"end":1344.045,"confidence":0.9863281,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06296805292367935},{"word":"don't","start":1344.045,"end":1344.285,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.020159680396318436},{"word":"wanna","start":1344.285,"end":1344.605,"confidence":0.9892578,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.026429325342178345},{"word":"keep","start":1344.605,"end":1344.765,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.005779638886451721},{"word":"it","start":1344.765,"end":1344.925,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.02380692958831787},{"word":"in","start":1344.925,"end":1345.085,"confidence":0.9902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.10550308227539062},{"word":"super","start":1345.085,"end":1345.405,"confidence":0.6694336,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.03952507674694061},{"word":"and","start":1345.405,"end":1345.645,"confidence":0.8833008,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02550564706325531},{"word":"you","start":1345.645,"end":1345.805,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.008525878190994263},{"word":"just","start":1345.805,"end":1345.965,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.056055814027786255},{"word":"wanna","start":1345.965,"end":1346.285,"confidence":0.9970703,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.11527906358242036},{"word":"pay","start":1346.285,"end":1346.4451,"confidence":0.9951172,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.04132203757762909},{"word":"off","start":1346.4451,"end":1346.685,"confidence":0.9980469,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.06517443805932999},{"word":"your","start":1346.685,"end":1346.845,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09083682298660278},{"word":"home","start":1346.845,"end":1347.085,"confidence":1.0,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.03388553857803345},{"word":"loan","start":1347.085,"end":1347.3251,"confidence":0.99902344,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.06476946920156479},{"word":"or","start":1347.3251,"end":1347.485,"confidence":0.99121094,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.02703216671943665},{"word":"pay","start":1347.485,"end":1347.645,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.07608528435230255},{"word":"your","start":1347.645,"end":1347.885,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14176246523857117},{"word":"home","start":1347.885,"end":1348.125,"confidence":1.0,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.09837248176336288},{"word":"loan","start":1348.125,"end":1348.365,"confidence":0.9980469,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.10064094513654707},{"word":"down","start":1348.365,"end":1348.865,"confidence":0.9975586,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":0.13141095638275146},{"word":"you","start":1349.085,"end":1349.245,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.331165611743927},{"word":"can","start":1349.245,"end":1349.485,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3545895218849182},{"word":"let","start":1349.485,"end":1349.725,"confidence":1.0,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.4288214445114136},{"word":"me","start":1349.725,"end":1349.885,"confidence":1.0,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.4382185935974121},{"word":"know","start":1349.885,"end":1350.285,"confidence":0.8623047,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.4223599135875702},{"word":"and","start":1350.285,"end":1350.4451,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.48852407932281494},{"word":"we","start":1350.4451,"end":1350.605,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.47248175740242},{"word":"can","start":1350.605,"end":1351.005,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.5521836280822754},{"word":"absolutely","start":1351.005,"end":1351.505,"confidence":0.99902344,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.48879897594451904},{"word":"take","start":1351.645,"end":1351.885,"confidence":1.0,"punctuated_word":"take","sentiment":"positive","sentiment_score":0.5292583107948303},{"word":"it","start":1351.885,"end":1352.045,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4570126235485077},{"word":"all","start":1352.045,"end":1352.205,"confidence":0.99902344,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.4681697487831116},{"word":"out","start":1352.205,"end":1352.4451,"confidence":0.9926758,"punctuated_word":"out.","sentiment":"positive","sentiment_score":0.4463583827018738},{"word":"it's","start":1352.4451,"end":1352.765,"confidence":1.0,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.3680479228496551},{"word":"not","start":1352.765,"end":1353.005,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.3215857744216919},{"word":"a","start":1353.005,"end":1353.165,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3375124931335449},{"word":"problem","start":1353.165,"end":1353.665,"confidence":0.9995117,"punctuated_word":"problem.","sentiment":"positive","sentiment_score":0.3697929382324219},{"word":"it","start":1354.76,"end":1355.0,"confidence":0.99121094,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.3142632246017456},{"word":"just","start":1355.0,"end":1355.24,"confidence":0.9902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.3074043095111847},{"word":"comes","start":1355.24,"end":1355.48,"confidence":1.0,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.2952686846256256},{"word":"down","start":1355.48,"end":1355.72,"confidence":0.9970703,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.16042813658714294},{"word":"to","start":1355.72,"end":1355.7999,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20486173033714297},{"word":"what","start":1355.7999,"end":1356.0399,"confidence":0.9951172,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.16098293662071228},{"word":"your","start":1356.0399,"end":1356.2799,"confidence":0.9580078,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1627219170331955},{"word":"preference","start":1356.2799,"end":1356.76,"confidence":0.94628906,"punctuated_word":"preference","sentiment":"neutral","sentiment_score":0.10427294671535492},{"word":"is","start":1356.76,"end":1357.26,"confidence":0.95581055,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.13039302825927734},{"word":"it","start":1366.215,"end":1366.535,"confidence":0.9819336,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.03897615522146225},{"word":"it","start":1366.535,"end":1366.695,"confidence":0.97509766,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03516419604420662},{"word":"does","start":1366.695,"end":1367.195,"confidence":0.99853516,"punctuated_word":"does.","sentiment":"neutral","sentiment_score":0.05580288916826248},{"word":"yeah","start":1367.975,"end":1368.475,"confidence":0.97265625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07525418698787689},{"word":"you","start":1368.615,"end":1368.9349,"confidence":0.9970703,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.032900042831897736},{"word":"don't","start":1368.9349,"end":1369.335,"confidence":0.960612,"punctuated_word":"don't,","sentiment":"neutral","sentiment_score":0.042106643319129944},{"word":"but","start":1369.335,"end":1369.495,"confidence":0.99609375,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.021591659635305405},{"word":"your","start":1369.495,"end":1369.735,"confidence":0.9873047,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.027925163507461548},{"word":"super","start":1369.735,"end":1370.0549,"confidence":0.8203125,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.05624262988567352},{"word":"fund","start":1370.0549,"end":1370.375,"confidence":0.9580078,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.03483270853757858},{"word":"does","start":1370.375,"end":1370.875,"confidence":0.9951172,"punctuated_word":"does.","sentiment":"neutral","sentiment_score":0.0430472195148468},{"word":"so","start":1371.335,"end":1371.835,"confidence":0.7963867,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10220149904489516},{"word":"if","start":1372.695,"end":1372.855,"confidence":0.984375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.14859069883823395},{"word":"we","start":1372.855,"end":1373.095,"confidence":0.7475586,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09813399612903596},{"word":"were","start":1373.095,"end":1373.4149,"confidence":0.9941406,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.10858182609081268},{"word":"to","start":1373.4149,"end":1373.9149,"confidence":0.9890137,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.08829787373542786},{"word":"i","start":1374.0549,"end":1374.215,"confidence":0.97509766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1726889610290527},{"word":"could","start":1374.215,"end":1374.535,"confidence":0.9980469,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.22229315340518951},{"word":"absolutely","start":1374.535,"end":1375.035,"confidence":0.99609375,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.2290695309638977},{"word":"have","start":1375.095,"end":1375.255,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1784292310476303},{"word":"a","start":1375.255,"end":1375.335,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20218564569950104},{"word":"look","start":1375.335,"end":1375.495,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.12845827639102936},{"word":"at","start":1375.495,"end":1375.655,"confidence":0.6411133,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.15070225298404694},{"word":"what","start":1375.655,"end":1375.815,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.16706329584121704},{"word":"the","start":1375.815,"end":1375.975,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12139776349067688},{"word":"total","start":1375.975,"end":1376.2949,"confidence":0.9819336,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.10984606295824052},{"word":"capital","start":1376.2949,"end":1376.775,"confidence":0.99902344,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":0.058144718408584595},{"word":"gains","start":1376.775,"end":1377.095,"confidence":0.99121094,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":0.09337041527032852},{"word":"were","start":1377.095,"end":1377.595,"confidence":0.79785156,"punctuated_word":"were,","sentiment":"neutral","sentiment_score":0.10139432549476624},{"word":"and","start":1378.135,"end":1378.375,"confidence":0.9838867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12084709852933884},{"word":"your","start":1378.375,"end":1378.615,"confidence":0.9951172,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1612364500761032},{"word":"fund","start":1378.615,"end":1378.9349,"confidence":0.9160156,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.12627263367176056},{"word":"just","start":1378.9349,"end":1379.1749,"confidence":0.9223633,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17108289897441864},{"word":"essentially","start":1379.1749,"end":1379.655,"confidence":0.9941406,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.15017345547676086},{"word":"holds","start":1379.655,"end":1379.895,"confidence":0.984375,"punctuated_word":"holds","sentiment":"neutral","sentiment_score":0.17112278938293457},{"word":"that","start":1379.895,"end":1380.135,"confidence":0.9838867,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15869969129562378},{"word":"money","start":1380.135,"end":1380.535,"confidence":0.9970703,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.11678291112184525},{"word":"back","start":1380.535,"end":1380.775,"confidence":0.8041992,"punctuated_word":"back,","sentiment":"neutral","sentiment_score":0.1616740524768829},{"word":"and","start":1380.775,"end":1380.7794,"confidence":0.9580078,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1917186975479126},{"word":"you","start":1380.7794,"end":1380.7839,"confidence":0.9790039,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2025514841079712},{"word":"just","start":1380.7839,"end":1380.7883,"confidence":0.93359375,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.19428151845932007},{"word":"get","start":1380.7883,"end":1380.7928,"confidence":0.89990234,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.17412102222442627},{"word":"the","start":1380.7928,"end":1380.7972,"confidence":0.7480469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16519024968147278},{"word":"difference","start":1380.7972,"end":1380.8016,"confidence":0.62597656,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.12893947958946228},{"word":"out","start":1380.8016,"end":1380.8062,"confidence":0.74902344,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.15582168102264404},{"word":"so","start":1380.8062,"end":1380.8105,"confidence":0.62158203,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2083604484796524},{"word":"if","start":1380.8105,"end":1380.815,"confidence":0.7270508,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.3299592137336731},{"word":"that's","start":1380.815,"end":1380.8195,"confidence":0.86694336,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.2733793258666992},{"word":"something","start":1380.8195,"end":1380.8239,"confidence":0.58740234,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.22224292159080505},{"word":"you","start":1380.8239,"end":1380.8284,"confidence":0.7988281,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22940415143966675},{"word":"wanted","start":1380.8284,"end":1380.8328,"confidence":0.8178711,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.1600680947303772},{"word":"me","start":1380.8328,"end":1380.8372,"confidence":0.98095703,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.16691532731056213},{"word":"to","start":1380.8372,"end":1380.8417,"confidence":0.9604492,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1555136740207672},{"word":"look","start":1380.8417,"end":1380.8461,"confidence":0.92822266,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.09904246777296066},{"word":"at","start":1380.8461,"end":1380.8506,"confidence":0.96118164,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":0.18496522307395935},{"word":"i","start":1380.8506,"end":1380.855,"confidence":0.9013672,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.3039172291755676},{"word":"absolutely","start":1380.855,"end":1381.105,"confidence":0.8774414,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.3173491358757019},{"word":"can","start":1381.105,"end":1381.605,"confidence":0.8293457,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":0.26375991106033325},{"word":"out","start":1382.85,"end":1383.0366,"confidence":0.7558594,"punctuated_word":"Out.","sentiment":"neutral","sentiment_score":0.06257809698581696},{"word":"so","start":1383.0366,"end":1383.2234,"confidence":0.75097656,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06451667845249176},{"word":"if","start":1383.2234,"end":1383.41,"confidence":0.7895508,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.07524170726537704},{"word":"that's","start":1383.41,"end":1383.91,"confidence":0.9140625,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.10566630214452744},{"word":"something","start":1384.05,"end":1384.37,"confidence":0.6982422,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.10273070633411407},{"word":"you","start":1384.37,"end":1384.4634,"confidence":0.890625,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11234807223081587},{"word":"wanted","start":1384.4634,"end":1384.5566,"confidence":0.85253906,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.08024324476718903},{"word":"me","start":1384.5566,"end":1384.65,"confidence":0.97509766,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.08752411603927612},{"word":"to","start":1384.65,"end":1384.7434,"confidence":0.9550781,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08718211948871613},{"word":"look","start":1384.7434,"end":1384.8367,"confidence":0.9277344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.0666089802980423},{"word":"at","start":1384.8367,"end":1384.93,"confidence":0.95458984,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":0.1183602660894394},{"word":"i","start":1384.93,"end":1385.01,"confidence":0.89453125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.187774658203125},{"word":"absolutely","start":1385.01,"end":1385.51,"confidence":0.8491211,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.2597005069255829},{"word":"can","start":1385.89,"end":1386.29,"confidence":0.9265137,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":0.23462839424610135},{"word":"i","start":1386.29,"end":1386.4501,"confidence":0.5097656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0381278470158577},{"word":"know","start":1386.4501,"end":1386.61,"confidence":0.8027344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.06773802638053894},{"word":"since","start":1386.61,"end":1386.85,"confidence":0.7080078,"punctuated_word":"since","sentiment":"neutral","sentiment_score":-0.06593401730060577},{"word":"we","start":1386.85,"end":1386.93,"confidence":0.9160156,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.0594927966594696},{"word":"last","start":1386.93,"end":1387.25,"confidence":0.61083984,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.06888775527477264},{"word":"sort","start":1387.25,"end":1387.41,"confidence":0.64697266,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.12843823432922363},{"word":"of","start":1387.41,"end":1387.49,"confidence":0.81396484,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11435208469629288},{"word":"caught","start":1387.49,"end":1387.65,"confidence":0.96240234,"punctuated_word":"caught","sentiment":"neutral","sentiment_score":-0.14697125554084778},{"word":"up","start":1387.65,"end":1387.81,"confidence":0.8898926,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":-0.1453428417444229},{"word":"interest","start":1387.81,"end":1388.05,"confidence":0.8310547,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":-0.16865375638008118},{"word":"rates","start":1388.05,"end":1388.29,"confidence":0.9741211,"punctuated_word":"rates","sentiment":"neutral","sentiment_score":-0.16293486952781677},{"word":"have","start":1388.29,"end":1388.4501,"confidence":0.96972656,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.2346542775630951},{"word":"gone","start":1388.4501,"end":1388.6901,"confidence":0.94384766,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.21872125566005707},{"word":"up","start":1388.6901,"end":1388.85,"confidence":0.96435547,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.20144815742969513},{"word":"and","start":1388.85,"end":1389.01,"confidence":0.9716797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.18338775634765625},{"word":"down","start":1389.01,"end":1389.33,"confidence":0.9301758,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.1322380304336548},{"word":"and","start":1389.33,"end":1389.73,"confidence":0.9243164,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0763489156961441},{"word":"sideways","start":1389.73,"end":1390.23,"confidence":0.91845703,"punctuated_word":"sideways","sentiment":"neutral","sentiment_score":-0.23913444578647616},{"word":"and","start":1390.4501,"end":1390.61,"confidence":0.5541992,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2470400333404541},{"word":"yeah","start":1391.33,"end":1391.83,"confidence":0.74328613,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.255647748708725},{"word":"yeah","start":1407.025,"end":1407.525,"confidence":0.80859375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05797959864139557},{"word":"mhmm","start":1411.05,"end":1411.55,"confidence":0.98791504,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.03609591722488403},{"word":"you","start":1416.09,"end":1416.49,"confidence":0.9375,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.06250423192977905},{"word":"are","start":1416.49,"end":1416.99,"confidence":0.3479004,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.0447765477001667},{"word":"yeah","start":1418.49,"end":1418.89,"confidence":0.986084,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.03518546372652054},{"word":"and","start":1418.89,"end":1419.13,"confidence":0.96533203,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.07216233760118484},{"word":"look","start":1419.13,"end":1419.63,"confidence":0.57470703,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.0776500552892685},{"word":"yeah","start":1420.81,"end":1421.21,"confidence":0.9941406,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.015002934262156488},{"word":"it","start":1421.21,"end":1421.45,"confidence":0.99609375,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.03675473481416702},{"word":"would","start":1421.45,"end":1421.61,"confidence":0.9921875,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.018822863698005676},{"word":"be","start":1421.61,"end":1421.93,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.005743362009525299},{"word":"different","start":1421.93,"end":1422.43,"confidence":0.9189453,"punctuated_word":"different.","sentiment":"neutral","sentiment_score":-0.0179133340716362},{"word":"we've","start":1422.81,"end":1423.05,"confidence":0.5876465,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":0.05523452162742615},{"word":"seen","start":1423.05,"end":1423.37,"confidence":0.55908203,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.07076885551214218},{"word":"a","start":1423.37,"end":1423.815,"confidence":0.20288086,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10923603922128676},{"word":"contributions","start":1424.0549,"end":1424.5549,"confidence":0.97314453,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.07087187469005585},{"word":"going","start":1424.695,"end":1424.9349,"confidence":0.99902344,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.17449645698070526},{"word":"in","start":1424.9349,"end":1425.1749,"confidence":0.9921875,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.14249588549137115},{"word":"it","start":1425.1749,"end":1425.4149,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.18576201796531677},{"word":"does","start":1425.4149,"end":1425.575,"confidence":0.9790039,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.2020624727010727},{"word":"make","start":1425.575,"end":1425.695,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.11996665596961976},{"word":"a","start":1425.695,"end":1425.815,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11043241620063782},{"word":"bit","start":1425.815,"end":1426.0549,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.07630012929439545},{"word":"more","start":1426.0549,"end":1426.215,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.03804318606853485},{"word":"of","start":1426.215,"end":1426.2949,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13418152928352356},{"word":"a","start":1426.2949,"end":1426.375,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12412242591381072},{"word":"difference","start":1426.375,"end":1426.875,"confidence":0.99902344,"punctuated_word":"difference.","sentiment":"neutral","sentiment_score":0.02850417792797089},{"word":"we","start":1427.4149,"end":1427.6549,"confidence":0.97998047,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.06522496044635773},{"word":"can","start":1427.6549,"end":1427.815,"confidence":0.9970703,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07517403364181519},{"word":"also","start":1427.815,"end":1428.215,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.0653919205069542},{"word":"look","start":1428.215,"end":1428.375,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.044855598360300064},{"word":"at","start":1428.375,"end":1428.495,"confidence":0.99121094,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06076999008655548},{"word":"if","start":1428.615,"end":1428.7749,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.052843138575553894},{"word":"you","start":1428.7749,"end":1428.9349,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05416281893849373},{"word":"wanted","start":1428.9349,"end":1429.2549,"confidence":0.8310547,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.04427539557218552},{"word":"me","start":1429.2549,"end":1429.4149,"confidence":0.98535156,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.05815522372722626},{"word":"to","start":1429.4149,"end":1429.6549,"confidence":0.8898926,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.039216771721839905},{"word":"i","start":1429.6549,"end":1429.815,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09213730692863464},{"word":"can","start":1429.815,"end":1429.975,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08660560101270676},{"word":"also","start":1429.975,"end":1430.2949,"confidence":0.9951172,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.07122151553630829},{"word":"look","start":1430.2949,"end":1430.455,"confidence":0.99609375,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.06311292201280594},{"word":"at","start":1430.455,"end":1430.695,"confidence":0.9941406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05790901929140091},{"word":"contribution","start":1430.695,"end":1431.195,"confidence":0.80078125,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.08642059564590454},{"word":"splitting","start":1431.2549,"end":1431.735,"confidence":0.9892578,"punctuated_word":"splitting.","sentiment":"neutral","sentiment_score":0.08568938076496124},{"word":"so","start":1431.735,"end":1432.235,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12039069831371307},{"word":"when","start":1432.695,"end":1432.855,"confidence":0.98291016,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.11352059245109558},{"word":"peter","start":1432.855,"end":1433.1749,"confidence":0.9970703,"punctuated_word":"Peter","sentiment":"neutral","sentiment_score":0.0940401628613472},{"word":"sort","start":1433.1749,"end":1433.4149,"confidence":0.9770508,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.10771550983190536},{"word":"of","start":1433.4149,"end":1433.575,"confidence":0.8017578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10475042462348938},{"word":"does","start":1433.575,"end":1433.815,"confidence":0.99121094,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.13526272773742676},{"word":"go","start":1433.815,"end":1434.1349,"confidence":0.984375,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.12185250222682951},{"word":"full","start":1434.1349,"end":1434.455,"confidence":0.9980469,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.1280786544084549},{"word":"time","start":1434.455,"end":1434.855,"confidence":0.99902344,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.10880554467439651},{"word":"i","start":1434.855,"end":1435.0149,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12628275156021118},{"word":"can","start":1435.0149,"end":1435.2549,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1051260381937027},{"word":"look","start":1435.2549,"end":1435.4149,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.10031022131443024},{"word":"at","start":1435.4149,"end":1435.6549,"confidence":0.9951172,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08478759974241257},{"word":"even","start":1435.6549,"end":1435.975,"confidence":0.92089844,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.11262687295675278},{"word":"splitting","start":1435.975,"end":1436.375,"confidence":0.9980469,"punctuated_word":"splitting","sentiment":"neutral","sentiment_score":0.06918631494045258},{"word":"some","start":1436.375,"end":1436.5349,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.11554843932390212},{"word":"of","start":1436.5349,"end":1436.695,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12327922135591508},{"word":"his","start":1436.695,"end":1436.94,"confidence":0.99902344,"punctuated_word":"his","sentiment":"neutral","sentiment_score":0.11598880589008333},{"word":"contributions","start":1437.1799,"end":1437.6799,"confidence":1.0,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.09875046461820602},{"word":"into","start":1437.74,"end":1438.0599,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.14278607070446014},{"word":"your","start":1438.0599,"end":1438.2999,"confidence":0.99609375,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13801342248916626},{"word":"super","start":1438.2999,"end":1438.7799,"confidence":0.7866211,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.16473551094532013},{"word":"so","start":1438.7799,"end":1438.94,"confidence":0.35742188,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.14381875097751615},{"word":"you","start":1438.94,"end":1439.1799,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15449607372283936},{"word":"are","start":1439.1799,"end":1439.34,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.13328872621059418},{"word":"getting","start":1439.34,"end":1439.82,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.11646681278944016},{"word":"contributions","start":1439.82,"end":1440.32,"confidence":0.99853516,"punctuated_word":"contributions.","sentiment":"neutral","sentiment_score":0.10473664104938508},{"word":"we","start":1440.46,"end":1440.7,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.03168310225009918},{"word":"can","start":1440.7,"end":1440.94,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03931128233671189},{"word":"also","start":1440.94,"end":1441.2599,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.0005852393805980682},{"word":"do","start":1441.2599,"end":1441.7599,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.00941796600818634},{"word":"other","start":1442.1399,"end":1442.62,"confidence":0.9970703,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.06765785813331604},{"word":"yeah","start":1445.2599,"end":1445.7599,"confidence":0.99316406,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.0659751370549202},{"word":"yeah","start":1451.6549,"end":1452.135,"confidence":0.8376465,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17044752836227417},{"word":"it","start":1452.135,"end":1452.375,"confidence":0.99121094,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.18031594157218933},{"word":"normally","start":1452.375,"end":1452.855,"confidence":0.9980469,"punctuated_word":"normally","sentiment":"neutral","sentiment_score":0.2692096531391144},{"word":"does","start":1452.855,"end":1453.095,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.3320819139480591},{"word":"work","start":1453.095,"end":1453.335,"confidence":0.99902344,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.2846986949443817},{"word":"out","start":1453.335,"end":1453.575,"confidence":0.9951172,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.4420469403266907},{"word":"much","start":1453.575,"end":1453.815,"confidence":0.99902344,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.3569323718547821},{"word":"better","start":1453.815,"end":1454.135,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.20609301328659055},{"word":"that","start":1454.135,"end":1454.2949,"confidence":0.99121094,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4006923735141754},{"word":"way","start":1454.2949,"end":1454.5349,"confidence":0.98999023,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":0.30250149965286255},{"word":"it","start":1454.5349,"end":1454.695,"confidence":0.98095703,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.07770264148712158},{"word":"also","start":1454.695,"end":1455.015,"confidence":0.9902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.085637167096138},{"word":"just","start":1455.015,"end":1455.255,"confidence":0.9941406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03270101547241211},{"word":"comes","start":1455.255,"end":1455.4149,"confidence":0.99902344,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.020521994680166245},{"word":"down","start":1455.4149,"end":1455.6549,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.02646731585264206},{"word":"to","start":1455.6549,"end":1455.815,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.027150839567184448},{"word":"what","start":1455.815,"end":1455.975,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.014301516115665436},{"word":"your","start":1455.975,"end":1456.215,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.02192431315779686},{"word":"preference","start":1456.215,"end":1456.615,"confidence":0.99609375,"punctuated_word":"preference","sentiment":"neutral","sentiment_score":0.008540183305740356},{"word":"is","start":1456.615,"end":1457.115,"confidence":0.8442383,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.004431501030921936},{"word":"but","start":1457.6549,"end":1458.1549,"confidence":0.84472656,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.1245899572968483},{"word":"yours","start":1458.2949,"end":1458.7949,"confidence":0.96777344,"punctuated_word":"yours","sentiment":"neutral","sentiment_score":-0.12250175327062608},{"word":"yeah","start":1462.135,"end":1462.635,"confidence":0.93310547,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.04644116014242172},{"word":"yeah","start":1464.375,"end":1464.875,"confidence":0.8469238,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.010431315749883652},{"word":"yeah","start":1477.31,"end":1477.81,"confidence":0.87280273,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.013088367879390717},{"word":"yes","start":1479.7101,"end":1480.2101,"confidence":0.8312988,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.15646907687187195},{"word":"yeah","start":1485.9249,"end":1486.4249,"confidence":0.84155273,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.26219338178634644},{"word":"yep","start":1490.4049,"end":1490.9049,"confidence":0.7585449,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08283732831478119},{"word":"yeah","start":1497.14,"end":1497.38,"confidence":0.8132324,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08642303943634033},{"word":"that's","start":1497.38,"end":1497.88,"confidence":0.7717285,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.22113053500652313},{"word":"that's","start":1498.18,"end":1498.58,"confidence":0.9980469,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.2512959837913513},{"word":"okay","start":1498.58,"end":1498.9,"confidence":0.9980469,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.25200355052948},{"word":"if","start":1498.9,"end":1499.06,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.23376350104808807},{"word":"you","start":1499.06,"end":1499.22,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20974963903427124},{"word":"wanted","start":1499.22,"end":1499.46,"confidence":0.96240234,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.18419569730758667},{"word":"to","start":1499.46,"end":1499.96,"confidence":0.9770508,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21672499179840088},{"word":"send","start":1500.1,"end":1500.26,"confidence":0.7109375,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.18976688385009768},{"word":"me","start":1500.26,"end":1500.5,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.19243203103542328},{"word":"through","start":1500.5,"end":1500.9,"confidence":0.9980469,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1670040786266327},{"word":"an","start":1500.9,"end":1501.06,"confidence":0.9980469,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.1435382217168808},{"word":"updated","start":1501.06,"end":1501.54,"confidence":0.9970703,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.10763764381408691},{"word":"statement","start":1501.54,"end":1502.02,"confidence":0.9970703,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.20856961607933044},{"word":"with","start":1502.02,"end":1502.26,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.18336382508277893},{"word":"your","start":1502.26,"end":1502.5,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1320553570985794},{"word":"interest","start":1502.5,"end":1502.82,"confidence":0.9892578,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.12250060588121414},{"word":"rate","start":1502.82,"end":1502.98,"confidence":0.98217773,"punctuated_word":"rate,","sentiment":"neutral","sentiment_score":0.19220702350139615},{"word":"i","start":1502.98,"end":1503.14,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.24659331142902377},{"word":"can","start":1503.14,"end":1503.3,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2206587940454483},{"word":"have","start":1503.3,"end":1503.46,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.238715797662735},{"word":"a","start":1503.46,"end":1503.54,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.25525301694869995},{"word":"look","start":1503.54,"end":1503.78,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.19605249166488647},{"word":"at","start":1503.78,"end":1503.9401,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.293138712644577},{"word":"it","start":1503.9401,"end":1504.1,"confidence":0.9863281,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2132960557937622},{"word":"for","start":1504.1,"end":1504.26,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2061307430267334},{"word":"you","start":1504.26,"end":1504.42,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17660334706306458},{"word":"if","start":1504.42,"end":1504.58,"confidence":0.8989258,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2148885726928711},{"word":"you","start":1504.58,"end":1504.74,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15798000991344452},{"word":"like","start":1504.74,"end":1504.98,"confidence":0.98535156,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.17507605254650116},{"word":"and","start":1504.98,"end":1505.3,"confidence":0.88427734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16672125458717346},{"word":"send","start":1505.3,"end":1505.54,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.156047061085701},{"word":"you","start":1505.54,"end":1505.7,"confidence":0.6699219,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16281352937221527},{"word":"through","start":1505.7,"end":1505.86,"confidence":0.9707031,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.17912571132183075},{"word":"a","start":1505.86,"end":1505.9401,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19198296964168549},{"word":"comparison","start":1505.9401,"end":1506.4401,"confidence":0.99194336,"punctuated_word":"comparison.","sentiment":"neutral","sentiment_score":0.1764194518327713},{"word":"that's","start":1506.66,"end":1506.98,"confidence":0.81469727,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.5585080981254578},{"word":"absolutely","start":1506.98,"end":1507.48,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.4488218426704407},{"word":"fine","start":1507.54,"end":1508.04,"confidence":0.99658203,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.40927642583847046},{"word":"with","start":1509.3351,"end":1509.655,"confidence":0.98291016,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.10740280151367188},{"word":"with","start":1509.655,"end":1509.9751,"confidence":0.96533203,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1248636394739151},{"word":"the","start":1509.9751,"end":1510.4751,"confidence":0.7648926,"punctuated_word":"the,","sentiment":"neutral","sentiment_score":0.12477822601795197},{"word":"i","start":1510.615,"end":1510.775,"confidence":0.92578125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08216902613639832},{"word":"mean","start":1510.775,"end":1510.935,"confidence":0.9980469,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.11416324973106384},{"word":"with","start":1510.935,"end":1511.175,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14077183604240415},{"word":"the","start":1511.175,"end":1511.655,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14520803093910217},{"word":"portfolios","start":1511.655,"end":1512.155,"confidence":0.95581055,"punctuated_word":"portfolios,","sentiment":"neutral","sentiment_score":0.09695178270339966},{"word":"the","start":1512.935,"end":1513.435,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11068259179592133},{"word":"interest","start":1513.495,"end":1513.895,"confidence":0.98291016,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.06156373769044876},{"word":"the","start":1514.055,"end":1514.375,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06951739639043808},{"word":"sorry","start":1514.4551,"end":1514.935,"confidence":0.9772949,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":0.040815070271492},{"word":"the","start":1514.935,"end":1515.175,"confidence":0.99902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.11071572452783585},{"word":"rate","start":1515.175,"end":1515.415,"confidence":0.99902344,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.17140084505081177},{"word":"of","start":1515.415,"end":1515.5751,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08433964848518372},{"word":"return","start":1515.5751,"end":1515.895,"confidence":1.0,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.07562971115112305},{"word":"that","start":1515.895,"end":1516.055,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14904239773750305},{"word":"you've","start":1516.055,"end":1516.295,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.14419764280319214},{"word":"got","start":1516.295,"end":1516.535,"confidence":0.99609375,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.16080711781978607},{"word":"in","start":1516.535,"end":1516.6951,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15192911028862},{"word":"here","start":1516.6951,"end":1516.935,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.14904986321926117},{"word":"is","start":1516.935,"end":1517.0951,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.14040425419807434},{"word":"showing","start":1517.0951,"end":1517.415,"confidence":1.0,"punctuated_word":"showing","sentiment":"neutral","sentiment_score":0.13083575665950775},{"word":"you","start":1517.415,"end":1517.5751,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10665719956159592},{"word":"the","start":1517.5751,"end":1517.8151,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08423696458339691},{"word":"average","start":1517.8151,"end":1518.295,"confidence":1.0,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.14439496397972107},{"word":"over","start":1518.295,"end":1518.535,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.14611205458641052},{"word":"the","start":1518.535,"end":1518.6951,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0901791900396347},{"word":"past","start":1518.6951,"end":1519.015,"confidence":1.0,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.085598886013031},{"word":"three","start":1519.015,"end":1519.3351,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.067799873650074},{"word":"to","start":1519.3351,"end":1519.5751,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03928948193788528},{"word":"five","start":1519.5751,"end":1519.8151,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.08400465548038483},{"word":"years","start":1519.8151,"end":1520.3151,"confidence":0.75024414,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.09479615092277528},{"word":"but","start":1520.64,"end":1520.88,"confidence":0.96435547,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.17524659633636477},{"word":"these","start":1520.88,"end":1521.36,"confidence":0.9863281,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.28959500789642334},{"word":"portfolios","start":1521.36,"end":1521.86,"confidence":0.98291016,"punctuated_word":"portfolios","sentiment":"neutral","sentiment_score":0.2701234221458435},{"word":"can","start":1522.16,"end":1522.4,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2793671488761902},{"word":"see","start":1522.4,"end":1522.72,"confidence":0.99316406,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.3027734160423279},{"word":"rates","start":1522.72,"end":1523.04,"confidence":0.9741211,"punctuated_word":"rates","sentiment":"neutral","sentiment_score":0.2797854244709015},{"word":"of","start":1523.04,"end":1523.2001,"confidence":0.99316406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.27570319175720215},{"word":"return","start":1523.2001,"end":1523.68,"confidence":0.9970703,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.2138219177722931},{"word":"of","start":1523.68,"end":1523.84,"confidence":0.97265625,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.30876511335372925},{"word":"five","start":1523.84,"end":1524.24,"confidence":0.9863281,"punctuated_word":"five,","sentiment":"neutral","sentiment_score":0.2675265669822693},{"word":"ten","start":1524.24,"end":1524.56,"confidence":0.99853516,"punctuated_word":"ten,","sentiment":"neutral","sentiment_score":0.2687855064868927},{"word":"20%","start":1524.56,"end":1525.9401,"confidence":0.9707845,"punctuated_word":"20%.","sentiment":"neutral","sentiment_score":0.31087175011634827},{"word":"and","start":1526.24,"end":1526.4,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.24325095117092133},{"word":"with","start":1526.4,"end":1526.56,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.3240015506744385},{"word":"a","start":1526.56,"end":1526.72,"confidence":0.8359375,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3794383406639099},{"word":"balance","start":1526.72,"end":1526.9601,"confidence":0.99121094,"punctuated_word":"balance","sentiment":"positive","sentiment_score":0.44442686438560486},{"word":"of","start":1526.9601,"end":1527.2001,"confidence":0.9980469,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4632074236869812},{"word":"a","start":1527.2001,"end":1527.28,"confidence":0.98535156,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4400767683982849},{"word":"110,000","start":1527.28,"end":1528.5,"confidence":0.99731445,"punctuated_word":"110,000,","sentiment":"positive","sentiment_score":0.4021753668785095},{"word":"even","start":1528.56,"end":1528.8,"confidence":1.0,"punctuated_word":"even","sentiment":"positive","sentiment_score":0.39016759395599365},{"word":"having","start":1528.8,"end":1529.12,"confidence":1.0,"punctuated_word":"having","sentiment":"positive","sentiment_score":0.36007341742515564},{"word":"a","start":1529.12,"end":1529.28,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3992069959640503},{"word":"three","start":1529.28,"end":1529.4401,"confidence":0.9970703,"punctuated_word":"three","sentiment":"positive","sentiment_score":0.3764657378196716},{"word":"or","start":1529.4401,"end":1529.68,"confidence":0.9873047,"punctuated_word":"or","sentiment":"positive","sentiment_score":0.33358055353164673},{"word":"a","start":1529.68,"end":1529.76,"confidence":0.8183594,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.40934669971466064},{"word":"5%","start":1529.76,"end":1530.3201,"confidence":1.0,"punctuated_word":"5%","sentiment":"positive","sentiment_score":0.42151501774787903},{"word":"return","start":1530.3201,"end":1530.8,"confidence":0.9970703,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.40830665826797485},{"word":"can","start":1530.8,"end":1531.04,"confidence":0.9902344,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4008064568042755},{"word":"make","start":1531.04,"end":1531.2001,"confidence":1.0,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.4593235850334167},{"word":"a","start":1531.2001,"end":1531.28,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4537062048912048},{"word":"bit","start":1531.28,"end":1531.52,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.4396339952945709},{"word":"of","start":1531.52,"end":1531.6,"confidence":1.0,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4969677329063415},{"word":"a","start":1531.6,"end":1531.76,"confidence":0.9970703,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5358973741531372},{"word":"difference","start":1531.76,"end":1532.16,"confidence":0.8942871,"punctuated_word":"difference,","sentiment":"positive","sentiment_score":0.4470445513725281},{"word":"especially","start":1532.16,"end":1532.56,"confidence":1.0,"punctuated_word":"especially","sentiment":"positive","sentiment_score":0.4405882656574249},{"word":"when","start":1532.56,"end":1532.8,"confidence":0.984375,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.431918203830719},{"word":"it","start":1532.8,"end":1532.9601,"confidence":0.99902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4084748923778534},{"word":"is","start":1532.9601,"end":1533.2001,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.38671210408210754},{"word":"compounded","start":1533.2001,"end":1533.7001,"confidence":0.9812012,"punctuated_word":"compounded.","sentiment":"positive","sentiment_score":0.414335697889328},{"word":"so","start":1533.92,"end":1534.395,"confidence":0.99902344,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.39039987325668335},{"word":"you","start":1534.475,"end":1534.715,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4810963571071625},{"word":"could","start":1534.715,"end":1534.875,"confidence":0.9980469,"punctuated_word":"could","sentiment":"positive","sentiment_score":0.4982936978340149},{"word":"see","start":1534.875,"end":1535.1951,"confidence":0.9589844,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.5934785604476929},{"word":"this","start":1535.1951,"end":1535.435,"confidence":0.97509766,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.517516016960144},{"word":"grow","start":1535.435,"end":1535.675,"confidence":0.7001953,"punctuated_word":"grow","sentiment":"positive","sentiment_score":0.5911428332328796},{"word":"pretty","start":1535.675,"end":1536.155,"confidence":0.9980469,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.5603892803192139},{"word":"significantly","start":1536.155,"end":1536.655,"confidence":0.982666,"punctuated_word":"significantly.","sentiment":"neutral","sentiment_score":0.06187636777758598},{"word":"to","start":1537.355,"end":1537.515,"confidence":1.0,"punctuated_word":"To","sentiment":"neutral","sentiment_score":0.04466937109827995},{"word":"make","start":1537.515,"end":1537.675,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.052222780883312225},{"word":"it","start":1537.675,"end":1537.915,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06641825288534164},{"word":"easier","start":1537.915,"end":1538.415,"confidence":0.99316406,"punctuated_word":"easier,","sentiment":"neutral","sentiment_score":0.09521406888961792},{"word":"if","start":1538.635,"end":1538.875,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0882367193698883},{"word":"you","start":1538.875,"end":1539.115,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07682699710130692},{"word":"just","start":1539.115,"end":1539.435,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07971405237913132},{"word":"scroll","start":1539.435,"end":1539.915,"confidence":0.8051758,"punctuated_word":"scroll","sentiment":"neutral","sentiment_score":0.058986254036426544},{"word":"down","start":1539.915,"end":1540.395,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.08287234604358673},{"word":"for","start":1540.395,"end":1540.635,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07776596397161484},{"word":"me","start":1540.635,"end":1540.9551,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.06954152882099152},{"word":"to","start":1540.9551,"end":1541.275,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05010357499122619},{"word":"page","start":1541.275,"end":1541.775,"confidence":0.99902344,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.052820827811956406},{"word":"33","start":1541.835,"end":1542.895,"confidence":0.99194336,"punctuated_word":"33,","sentiment":"neutral","sentiment_score":0.061080917716026306},{"word":"i'll","start":1543.115,"end":1543.275,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.05594351887702942},{"word":"actually","start":1543.275,"end":1543.755,"confidence":0.99902344,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.04990063235163689},{"word":"show","start":1543.755,"end":1543.995,"confidence":1.0,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.04910864681005478},{"word":"you","start":1543.995,"end":1544.155,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05759814381599426},{"word":"the","start":1544.155,"end":1544.3151,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04721048101782799},{"word":"projection","start":1544.3151,"end":1544.8151,"confidence":0.8984375,"punctuated_word":"projection","sentiment":"neutral","sentiment_score":0.04786305129528046},{"word":"before","start":1545.595,"end":1545.915,"confidence":0.99902344,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.06691088527441025},{"word":"i","start":1545.915,"end":1546.0751,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.058518800884485245},{"word":"go","start":1546.0751,"end":1546.3151,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.05171322822570801},{"word":"through","start":1546.3151,"end":1546.475,"confidence":0.9760742,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.061007775366306305},{"word":"the","start":1546.475,"end":1546.635,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04175364971160889},{"word":"changes","start":1546.635,"end":1547.035,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.03238069266080856},{"word":"because","start":1547.035,"end":1547.355,"confidence":0.7729492,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.029854195192456245},{"word":"yeah","start":1549.6,"end":1550.08,"confidence":0.9675293,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.07416558265686035},{"word":"so","start":1550.08,"end":1550.32,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07878975570201874},{"word":"you'll","start":1550.32,"end":1550.5599,"confidence":0.9589844,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.10415437817573547},{"word":"see","start":1550.5599,"end":1550.7999,"confidence":0.98535156,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1306893676519394},{"word":"you've","start":1550.7999,"end":1550.96,"confidence":0.6710205,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.10683320462703703},{"word":"got","start":1550.96,"end":1551.2,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.08619564771652222},{"word":"your","start":1551.2,"end":1551.36,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08572695404291153},{"word":"current","start":1551.36,"end":1551.6,"confidence":0.9941406,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.08451637625694275},{"word":"balance","start":1551.6,"end":1552.0,"confidence":0.9970703,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.0716552734375},{"word":"at","start":1552.0,"end":1552.08,"confidence":0.9892578,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06604493409395218},{"word":"the","start":1552.08,"end":1552.1599,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08774198591709137},{"word":"moment","start":1552.1599,"end":1552.48,"confidence":0.91845703,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.08344711363315582},{"word":"which","start":1552.48,"end":1552.5599,"confidence":0.9980469,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.06724327057600021},{"word":"is","start":1552.5599,"end":1552.72,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.052244484424591064},{"word":"$112,003.08","start":1552.72,"end":1554.64,"confidence":0.94742835,"punctuated_word":"$112,003.08","sentiment":"neutral","sentiment_score":0.05376971513032913},{"word":"5","start":1554.64,"end":1555.14,"confidence":0.9941406,"punctuated_word":"5.","sentiment":"neutral","sentiment_score":0.03712432086467743},{"word":"if","start":1555.2799,"end":1555.44,"confidence":0.6694336,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.037630822509527206},{"word":"i'm","start":1555.44,"end":1555.6,"confidence":0.97021484,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.03507924824953079},{"word":"making","start":1555.6,"end":1555.84,"confidence":0.99902344,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.03370014205574989},{"word":"the","start":1555.84,"end":1556.08,"confidence":0.96240234,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.022961271926760674},{"word":"changes","start":1556.08,"end":1556.48,"confidence":0.96362305,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":0.024552244693040848},{"word":"i'll","start":1556.48,"end":1556.72,"confidence":0.89746094,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.02791423909366131},{"word":"take","start":1556.72,"end":1556.88,"confidence":0.9951172,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.0288308747112751},{"word":"you","start":1556.88,"end":1557.0399,"confidence":0.9667969,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.035752035677433014},{"word":"back","start":1557.0399,"end":1557.2,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.03296468406915665},{"word":"to","start":1557.2,"end":1557.36,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.032230861485004425},{"word":"this","start":1557.36,"end":1557.6,"confidence":0.56884766,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.028442315757274628},{"word":"in","start":1557.6,"end":1557.6799,"confidence":0.87841797,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03433486074209213},{"word":"a","start":1557.6799,"end":1557.76,"confidence":0.93359375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.048426855355501175},{"word":"moment","start":1557.76,"end":1558.1599,"confidence":0.9633789,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.04674333333969116},{"word":"the","start":1558.1599,"end":1558.3999,"confidence":0.9716797,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.04390675574541092},{"word":"cdt","start":1558.3999,"end":1558.8999,"confidence":0.8251953,"punctuated_word":"CDT","sentiment":"neutral","sentiment_score":0.06837855279445648},{"word":"expected","start":1559.0399,"end":1559.5399,"confidence":0.87158203,"punctuated_word":"expected","sentiment":"neutral","sentiment_score":0.08700361847877502},{"word":"is","start":1559.6,"end":1559.6799,"confidence":0.5385742,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06596716493368149},{"word":"$2.69","start":1559.6799,"end":1560.64,"confidence":0.93499756,"punctuated_word":"$2.69,","sentiment":"neutral","sentiment_score":0.09212545305490494},{"word":"for","start":1560.64,"end":1560.7999,"confidence":0.48266602,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.040989890694618225},{"word":"$269","start":1560.7999,"end":1562.565,"confidence":0.9976074,"punctuated_word":"$269.","sentiment":"neutral","sentiment_score":0.07689759880304337},{"word":"we're","start":1563.365,"end":1563.605,"confidence":0.98535156,"punctuated_word":"We're","sentiment":"positive","sentiment_score":0.3343881070613861},{"word":"saving","start":1563.605,"end":1564.085,"confidence":1.0,"punctuated_word":"saving","sentiment":"positive","sentiment_score":0.3539768159389496},{"word":"about","start":1564.085,"end":1564.485,"confidence":0.9941406,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.3693059980869293},{"word":"$720","start":1564.485,"end":1565.7649,"confidence":0.9992676,"punctuated_word":"$720","sentiment":"positive","sentiment_score":0.4450364112854004},{"word":"in","start":1565.7649,"end":1566.0049,"confidence":0.99121094,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4730367064476013},{"word":"investment","start":1566.0049,"end":1566.5049,"confidence":0.9970703,"punctuated_word":"investment","sentiment":"positive","sentiment_score":0.3609877824783325},{"word":"fees","start":1566.565,"end":1567.065,"confidence":0.8059082,"punctuated_word":"fees,","sentiment":"positive","sentiment_score":0.4516493082046509},{"word":"and","start":1567.7649,"end":1568.0049,"confidence":0.98095703,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.35453835129737854},{"word":"the","start":1568.0049,"end":1568.245,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3640628159046173},{"word":"portfolio","start":1568.245,"end":1568.745,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.21978870034217832},{"word":"that","start":1568.8049,"end":1569.0449,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.39779648184776306},{"word":"you're","start":1569.0449,"end":1569.205,"confidence":0.9975586,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.3268325626850128},{"word":"in","start":1569.205,"end":1569.445,"confidence":0.9838867,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2697111964225769},{"word":"currently","start":1569.445,"end":1569.9249,"confidence":0.9980469,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":0.1800864189863205},{"word":"has","start":1569.9249,"end":1570.1649,"confidence":0.99902344,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.27240055799484253},{"word":"averaged","start":1570.1649,"end":1570.565,"confidence":0.9760742,"punctuated_word":"averaged","sentiment":"neutral","sentiment_score":0.25150611996650696},{"word":"6.07%","start":1570.565,"end":1572.745,"confidence":0.978125,"punctuated_word":"6.07%,","sentiment":"neutral","sentiment_score":0.2526678442955017},{"word":"whereas","start":1573.205,"end":1573.605,"confidence":0.9921875,"punctuated_word":"whereas","sentiment":"neutral","sentiment_score":0.11889038980007172},{"word":"this","start":1573.605,"end":1573.845,"confidence":0.9863281,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.07554855942726135},{"word":"newer","start":1573.845,"end":1574.245,"confidence":0.7841797,"punctuated_word":"newer","sentiment":"neutral","sentiment_score":0.08977615088224411},{"word":"portfolio","start":1574.245,"end":1574.745,"confidence":1.0,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.007118284702301025},{"word":"has","start":1574.965,"end":1575.205,"confidence":1.0,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.011159539222717283},{"word":"averaged","start":1575.205,"end":1575.69,"confidence":0.9951172,"punctuated_word":"averaged","sentiment":"neutral","sentiment_score":0.034612879157066345},{"word":"12.97%","start":1575.85,"end":1577.45,"confidence":0.99794924,"punctuated_word":"12.97%.","sentiment":"neutral","sentiment_score":0.14281445741653442},{"word":"so","start":1577.45,"end":1577.69,"confidence":0.8786621,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.1234746053814888},{"word":"again","start":1577.69,"end":1578.0099,"confidence":1.0,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.1442367434501648},{"word":"you","start":1578.0099,"end":1578.25,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17648495733737946},{"word":"may","start":1578.25,"end":1578.4099,"confidence":1.0,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.07533735036849976},{"word":"not","start":1578.4099,"end":1578.6499,"confidence":0.9892578,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.010786324739456177},{"word":"get","start":1578.6499,"end":1578.8899,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.03398938477039337},{"word":"that","start":1578.8899,"end":1579.0499,"confidence":0.97143555,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.007837943732738495},{"word":"you","start":1579.0499,"end":1579.21,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.22573530673980713},{"word":"might","start":1579.21,"end":1579.45,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.20872578024864197},{"word":"get","start":1579.45,"end":1579.61,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.30048882961273193},{"word":"a","start":1579.61,"end":1579.7699,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.31114545464515686},{"word":"5%","start":1579.7699,"end":1580.25,"confidence":1.0,"punctuated_word":"5%","sentiment":"positive","sentiment_score":0.365635484457016},{"word":"return","start":1580.25,"end":1580.57,"confidence":1.0,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.383179634809494},{"word":"one","start":1580.57,"end":1580.8099,"confidence":0.9536133,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.271038293838501},{"word":"year","start":1580.8099,"end":1581.0499,"confidence":0.9814453,"punctuated_word":"year,","sentiment":"positive","sentiment_score":0.35324984788894653},{"word":"a","start":1581.0499,"end":1581.21,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.29062992334365845},{"word":"10","start":1581.21,"end":1581.45,"confidence":1.0,"punctuated_word":"10","sentiment":"positive","sentiment_score":0.3754415512084961},{"word":"percent","start":1581.45,"end":1581.69,"confidence":0.9980469,"punctuated_word":"percent","sentiment":"neutral","sentiment_score":0.3040323853492737},{"word":"return","start":1581.69,"end":1582.0099,"confidence":0.9980469,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.371372252702713},{"word":"the","start":1582.0099,"end":1582.09,"confidence":0.8803711,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26791897416114807},{"word":"next","start":1582.09,"end":1582.33,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.286606103181839},{"word":"year","start":1582.33,"end":1582.73,"confidence":0.9284668,"punctuated_word":"year.","sentiment":"positive","sentiment_score":0.3335078954696655},{"word":"you","start":1582.73,"end":1582.8899,"confidence":1.0,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.42124661803245544},{"word":"might","start":1582.8899,"end":1583.0499,"confidence":1.0,"punctuated_word":"might","sentiment":"positive","sentiment_score":0.3736534714698791},{"word":"get","start":1583.0499,"end":1583.21,"confidence":0.99902344,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.5229179859161377},{"word":"a","start":1583.21,"end":1583.2899,"confidence":0.99316406,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4789469838142395},{"word":"15","start":1583.2899,"end":1583.69,"confidence":0.99902344,"punctuated_word":"15","sentiment":"positive","sentiment_score":0.573278546333313},{"word":"or","start":1583.69,"end":1583.85,"confidence":0.94628906,"punctuated_word":"or","sentiment":"positive","sentiment_score":0.3907700777053833},{"word":"20%","start":1583.85,"end":1584.4099,"confidence":0.9980469,"punctuated_word":"20%","sentiment":"positive","sentiment_score":0.5670982003211975},{"word":"return","start":1584.4099,"end":1584.8099,"confidence":1.0,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.5861599445343018},{"word":"the","start":1584.8099,"end":1584.97,"confidence":0.9921875,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4915851056575775},{"word":"following","start":1584.97,"end":1585.37,"confidence":1.0,"punctuated_word":"following","sentiment":"positive","sentiment_score":0.4813515841960907},{"word":"year","start":1585.37,"end":1585.61,"confidence":0.935791,"punctuated_word":"year,","sentiment":"positive","sentiment_score":0.50033038854599},{"word":"and","start":1585.61,"end":1585.69,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4449329972267151},{"word":"it's","start":1585.69,"end":1586.0099,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.5056052207946777},{"word":"absolutely","start":1586.0099,"end":1586.5099,"confidence":1.0,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.4227481484413147},{"word":"possible","start":1586.57,"end":1587.07,"confidence":0.9980469,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":0.12458235770463943},{"word":"even","start":1587.21,"end":1587.5299,"confidence":0.9560547,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.12514007091522217},{"word":"without","start":1587.5299,"end":1587.9299,"confidence":0.8989258,"punctuated_word":"without","sentiment":"neutral","sentiment_score":-0.004075139760971069},{"word":"contributions","start":1587.9299,"end":1588.4299,"confidence":0.99902344,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":-0.1015271469950676},{"word":"going","start":1588.6499,"end":1588.97,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.0149928480386734},{"word":"in","start":1588.97,"end":1589.47,"confidence":0.9345703,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.013583682477474213},{"word":"because","start":1589.745,"end":1589.985,"confidence":1.0,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.14613717794418335},{"word":"the","start":1589.985,"end":1590.225,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26459723711013794},{"word":"one","start":1590.225,"end":1590.465,"confidence":1.0,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.3359832763671875},{"word":"good","start":1590.465,"end":1590.705,"confidence":1.0,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.3939470052719116},{"word":"thing","start":1590.705,"end":1590.945,"confidence":1.0,"punctuated_word":"thing","sentiment":"positive","sentiment_score":0.5180402398109436},{"word":"about","start":1590.945,"end":1591.185,"confidence":0.99609375,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.43783754110336304},{"word":"these","start":1591.185,"end":1591.505,"confidence":0.89990234,"punctuated_word":"these","sentiment":"positive","sentiment_score":0.4766215682029724},{"word":"is","start":1591.505,"end":1591.665,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4656739234924317},{"word":"that","start":1591.665,"end":1591.985,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.44553861021995544},{"word":"all","start":1591.985,"end":1592.145,"confidence":0.9892578,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.4325184226036072},{"word":"of","start":1592.145,"end":1592.225,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.450775146484375},{"word":"these","start":1592.225,"end":1592.545,"confidence":1.0,"punctuated_word":"these","sentiment":"positive","sentiment_score":0.4602404534816742},{"word":"investments","start":1592.545,"end":1593.045,"confidence":0.9951172,"punctuated_word":"investments","sentiment":"positive","sentiment_score":0.3447120487689972},{"word":"do","start":1593.265,"end":1593.505,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3659915626049042},{"word":"also","start":1593.505,"end":1593.825,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.3326886296272278},{"word":"pay","start":1593.825,"end":1594.145,"confidence":0.8378906,"punctuated_word":"pay,","sentiment":"neutral","sentiment_score":0.29502812027931213},{"word":"except","start":1594.145,"end":1594.545,"confidence":0.99902344,"punctuated_word":"except","sentiment":"neutral","sentiment_score":0.3328514099121094},{"word":"for","start":1594.545,"end":1594.705,"confidence":0.86328125,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3260962665081024},{"word":"gold","start":1594.705,"end":1595.205,"confidence":0.88427734,"punctuated_word":"gold,","sentiment":"neutral","sentiment_score":0.3280821442604065},{"word":"they","start":1595.425,"end":1595.665,"confidence":0.99902344,"punctuated_word":"they","sentiment":"positive","sentiment_score":0.3758768439292908},{"word":"do","start":1595.665,"end":1595.905,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3897957801818848},{"word":"pay","start":1595.905,"end":1596.405,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.31865060329437256},{"word":"dividends","start":1597.585,"end":1598.085,"confidence":0.8063965,"punctuated_word":"dividends.","sentiment":"neutral","sentiment_score":0.31295162439346313},{"word":"so","start":1598.305,"end":1598.465,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2959086000919342},{"word":"we've","start":1598.465,"end":1598.625,"confidence":0.79956055,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.31234318017959595},{"word":"got","start":1598.625,"end":1598.865,"confidence":1.0,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.33806315064430237},{"word":"dividends","start":1598.865,"end":1599.365,"confidence":0.96533203,"punctuated_word":"dividends","sentiment":"neutral","sentiment_score":0.28979501128196716},{"word":"with","start":1599.745,"end":1600.0651,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2875502407550812},{"word":"the","start":1600.0651,"end":1600.225,"confidence":0.9448242,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2945151925086975},{"word":"fixed","start":1600.225,"end":1600.545,"confidence":0.99902344,"punctuated_word":"fixed","sentiment":"neutral","sentiment_score":0.2513774633407593},{"word":"interest","start":1600.545,"end":1601.025,"confidence":0.95947266,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.2808085083961487},{"word":"and","start":1601.025,"end":1601.265,"confidence":0.98291016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2652963697910309},{"word":"the","start":1601.265,"end":1601.585,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28346434235572815},{"word":"the","start":1601.585,"end":1601.745,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2630195915699005},{"word":"comp","start":1601.745,"end":1601.985,"confidence":0.8100586,"punctuated_word":"comp","sentiment":"neutral","sentiment_score":0.24030619859695437},{"word":"the","start":1602.0651,"end":1602.225,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27541685104370117},{"word":"bonds","start":1602.225,"end":1602.725,"confidence":0.8742676,"punctuated_word":"bonds.","sentiment":"neutral","sentiment_score":0.27436912059783936},{"word":"we're","start":1602.98,"end":1603.14,"confidence":0.9980469,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.28777211904525757},{"word":"also","start":1603.14,"end":1603.3,"confidence":1.0,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.24452242255210876},{"word":"getting","start":1603.3,"end":1603.78,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.3003988564014435},{"word":"coupon","start":1603.78,"end":1604.18,"confidence":0.97314453,"punctuated_word":"coupon","sentiment":"neutral","sentiment_score":0.26251280307769775},{"word":"payments","start":1604.18,"end":1604.5801,"confidence":0.98291016,"punctuated_word":"payments","sentiment":"neutral","sentiment_score":0.21212461590766907},{"word":"with","start":1604.5801,"end":1604.9,"confidence":0.41259766,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2645971477031708},{"word":"interest","start":1604.9,"end":1605.3,"confidence":0.9980469,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.2203521579504013},{"word":"payments","start":1605.3,"end":1605.7001,"confidence":0.9506836,"punctuated_word":"payments","sentiment":"neutral","sentiment_score":0.2022114247083664},{"word":"being","start":1605.7001,"end":1605.9401,"confidence":0.9970703,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.24517881870269775},{"word":"paid","start":1605.9401,"end":1606.26,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.22792023420333865},{"word":"out","start":1606.26,"end":1606.76,"confidence":0.8005371,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.22619155049324036},{"word":"and","start":1606.8201,"end":1606.98,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2104114443063736},{"word":"these","start":1606.98,"end":1607.22,"confidence":0.99902344,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.2145213931798935},{"word":"are","start":1607.22,"end":1607.38,"confidence":1.0,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1143445521593094},{"word":"going","start":1607.38,"end":1607.7001,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.16555838286876678},{"word":"into","start":1607.7001,"end":1607.9401,"confidence":0.9873047,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.1987966150045395},{"word":"your","start":1607.9401,"end":1608.26,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.22407840192317963},{"word":"cash","start":1608.26,"end":1608.5801,"confidence":0.9921875,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.2144385576248169},{"word":"account","start":1608.5801,"end":1609.06,"confidence":0.9711914,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.1686045527458191},{"word":"so","start":1609.06,"end":1609.3,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.19932562112808228},{"word":"your","start":1609.3,"end":1609.54,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.22260119020938873},{"word":"funds","start":1609.54,"end":1609.86,"confidence":0.99316406,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.22050949931144712},{"word":"are","start":1609.86,"end":1610.02,"confidence":0.99316406,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.24318116903305056},{"word":"still","start":1610.02,"end":1610.34,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.2785869240760803},{"word":"paying","start":1610.34,"end":1610.74,"confidence":0.99902344,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.27417799830436707},{"word":"income","start":1610.74,"end":1611.14,"confidence":0.9970703,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.27027782797813416},{"word":"to","start":1611.14,"end":1611.38,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.27351322770118713},{"word":"you","start":1611.38,"end":1611.62,"confidence":0.84228516,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.279193639755249},{"word":"that","start":1611.62,"end":1611.78,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.2664673924446106},{"word":"gets","start":1611.78,"end":1612.1,"confidence":0.9980469,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.2993881106376648},{"word":"paid","start":1612.1,"end":1612.26,"confidence":0.99902344,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.2883959710597992},{"word":"to","start":1612.26,"end":1612.42,"confidence":0.95410156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.32259881496429443},{"word":"your","start":1612.42,"end":1612.5801,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.32364392280578613},{"word":"cash","start":1612.5801,"end":1612.9,"confidence":0.99902344,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.3014078140258789},{"word":"account","start":1612.9,"end":1613.22,"confidence":0.9226074,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.2911483645439148},{"word":"and","start":1613.22,"end":1613.38,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.31297576427459717},{"word":"that's","start":1613.38,"end":1613.62,"confidence":0.69262695,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.31652361154556274},{"word":"it","start":1613.62,"end":1613.86,"confidence":0.75146484,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3305104672908783},{"word":"then","start":1613.86,"end":1614.1,"confidence":0.42382812,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2865971624851227},{"word":"gets","start":1614.1,"end":1614.34,"confidence":0.9633789,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.26186931133270264},{"word":"reinvested","start":1614.34,"end":1614.84,"confidence":0.99853516,"punctuated_word":"reinvested","sentiment":"neutral","sentiment_score":0.2583504319190979},{"word":"back","start":1615.14,"end":1615.38,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.2745424807071686},{"word":"into","start":1615.38,"end":1615.7001,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.2010194957256317},{"word":"your","start":1615.7001,"end":1615.9401,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2200490236282349},{"word":"portfolio","start":1615.9401,"end":1616.4401,"confidence":0.8352051,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.18575146794319153},{"word":"and","start":1616.995,"end":1617.1549,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2054893523454666},{"word":"that","start":1617.1549,"end":1617.235,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2174680531024933},{"word":"does","start":1617.235,"end":1617.475,"confidence":0.7949219,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.3020465672016144},{"word":"help","start":1617.475,"end":1617.7949,"confidence":0.8510742,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.2666509747505188},{"word":"with","start":1617.7949,"end":1617.955,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.299350768327713},{"word":"the","start":1617.955,"end":1618.115,"confidence":0.8144531,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27512669563293457},{"word":"compounding","start":1618.115,"end":1618.615,"confidence":0.99609375,"punctuated_word":"compounding","sentiment":"positive","sentiment_score":0.3696589469909668},{"word":"effect","start":1618.755,"end":1619.255,"confidence":0.826416,"punctuated_word":"effect.","sentiment":"neutral","sentiment_score":0.30343446135520935},{"word":"so","start":1619.315,"end":1619.715,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08888893574476242},{"word":"it's","start":1619.715,"end":1619.955,"confidence":0.9980469,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.003281146287918091},{"word":"not","start":1619.955,"end":1620.195,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.06533674895763397},{"word":"to","start":1620.195,"end":1620.2749,"confidence":0.97998047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03818109631538391},{"word":"say","start":1620.2749,"end":1620.595,"confidence":1.0,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.1312466412782669},{"word":"it","start":1620.595,"end":1620.835,"confidence":0.984375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03328217566013336},{"word":"definitely","start":1620.835,"end":1621.335,"confidence":0.99609375,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":-0.12866780161857605},{"word":"won't","start":1621.395,"end":1621.635,"confidence":0.9995117,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":-0.11643503606319427},{"word":"grow","start":1621.635,"end":1622.115,"confidence":0.9733887,"punctuated_word":"grow.","sentiment":"neutral","sentiment_score":-0.0799965187907219},{"word":"if","start":1622.115,"end":1622.355,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.21805943548679352},{"word":"there","start":1622.355,"end":1622.4349,"confidence":0.98535156,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.2251109778881073},{"word":"was","start":1622.4349,"end":1622.6749,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.2635897994041443},{"word":"any","start":1622.6749,"end":1622.9149,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.2922104001045227},{"word":"chance","start":1622.9149,"end":1623.235,"confidence":0.9980469,"punctuated_word":"chance","sentiment":"neutral","sentiment_score":-0.31996285915374756},{"word":"i","start":1623.235,"end":1623.395,"confidence":0.8354492,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.28115275502204895},{"word":"saw","start":1623.395,"end":1623.635,"confidence":0.7651367,"punctuated_word":"saw","sentiment":"neutral","sentiment_score":-0.26704370975494385},{"word":"it","start":1623.635,"end":1623.7949,"confidence":0.9560547,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.28335040807724},{"word":"starting","start":1623.7949,"end":1624.115,"confidence":0.75,"punctuated_word":"starting","sentiment":"neutral","sentiment_score":-0.2702893912792206},{"word":"to","start":1624.115,"end":1624.2749,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.27325761318206787},{"word":"go","start":1624.2749,"end":1624.4349,"confidence":0.9980469,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.2054016590118408},{"word":"backwards","start":1624.4349,"end":1624.9149,"confidence":0.99121094,"punctuated_word":"backwards,","sentiment":"neutral","sentiment_score":-0.2865254580974579},{"word":"i","start":1624.9149,"end":1624.995,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.36527132987976074},{"word":"would","start":1624.995,"end":1625.315,"confidence":1.0,"punctuated_word":"would","sentiment":"negative","sentiment_score":-0.33647751808166504},{"word":"absolutely","start":1625.315,"end":1625.7949,"confidence":0.9951172,"punctuated_word":"absolutely","sentiment":"negative","sentiment_score":-0.35678258538246155},{"word":"say","start":1625.7949,"end":1626.0349,"confidence":0.98535156,"punctuated_word":"say","sentiment":"negative","sentiment_score":-0.36008134484291077},{"word":"pull","start":1626.0349,"end":1626.195,"confidence":0.8911133,"punctuated_word":"pull","sentiment":"negative","sentiment_score":-0.3578115701675415},{"word":"it","start":1626.195,"end":1626.355,"confidence":0.96777344,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.35437119007110596},{"word":"out","start":1626.355,"end":1626.515,"confidence":0.97998047,"punctuated_word":"out.","sentiment":"negative","sentiment_score":-0.3680025041103363},{"word":"it","start":1626.515,"end":1626.6749,"confidence":0.99902344,"punctuated_word":"It","sentiment":"negative","sentiment_score":-0.6173272728919983},{"word":"is","start":1626.6749,"end":1626.9149,"confidence":0.99316406,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.6550230383872986},{"word":"not","start":1626.9149,"end":1627.1549,"confidence":0.99902344,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.6998521685600281},{"word":"worth","start":1627.1549,"end":1627.395,"confidence":1.0,"punctuated_word":"worth","sentiment":"negative","sentiment_score":-0.5339646935462952},{"word":"doing","start":1627.395,"end":1627.7949,"confidence":1.0,"punctuated_word":"doing","sentiment":"negative","sentiment_score":-0.5559216737747192},{"word":"so","start":1627.7949,"end":1628.2949,"confidence":0.9592285,"punctuated_word":"so.","sentiment":"negative","sentiment_score":-0.4948422610759735},{"word":"but","start":1629.1549,"end":1629.395,"confidence":0.7998047,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.005102068185806274},{"word":"having","start":1629.395,"end":1629.715,"confidence":0.9980469,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.025097012519836422},{"word":"a","start":1629.715,"end":1629.875,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02801428735256195},{"word":"look","start":1629.875,"end":1630.115,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.036947742104530334},{"word":"at","start":1630.115,"end":1630.195,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.012929752469062803},{"word":"this","start":1630.195,"end":1630.4349,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.020917460322380062},{"word":"at","start":1630.4349,"end":1630.595,"confidence":0.94921875,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.02078800648450851},{"word":"the","start":1630.595,"end":1630.6749,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05930804461240768},{"word":"moment","start":1630.6749,"end":1631.075,"confidence":1.0,"punctuated_word":"moment","sentiment":"neutral","sentiment_score":0.04670564085245133},{"word":"with","start":1631.075,"end":1631.315,"confidence":0.6816406,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.046811044216156006},{"word":"the","start":1631.315,"end":1631.475,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.045126140117645264},{"word":"way","start":1631.475,"end":1631.715,"confidence":0.99902344,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.13313397765159607},{"word":"the","start":1631.715,"end":1631.7949,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0863732248544693},{"word":"markets","start":1631.7949,"end":1632.21,"confidence":0.6816406,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":0.08719360828399658},{"word":"are","start":1632.37,"end":1632.61,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.04743848741054535},{"word":"reacting","start":1632.61,"end":1633.11,"confidence":0.8095703,"punctuated_word":"reacting,","sentiment":"neutral","sentiment_score":0.1249445378780365},{"word":"the","start":1633.25,"end":1633.4099,"confidence":0.97802734,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11401011794805528},{"word":"the","start":1633.4099,"end":1633.57,"confidence":0.8691406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10704367607831956},{"word":"kind","start":1633.57,"end":1633.8099,"confidence":0.8378906,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.12507225573062897},{"word":"of","start":1633.8099,"end":1633.89,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07856614887714386},{"word":"growth","start":1633.89,"end":1634.13,"confidence":0.9970703,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.24138635396957395},{"word":"we","start":1634.13,"end":1634.37,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13622015714645386},{"word":"can","start":1634.37,"end":1634.85,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15258392691612244},{"word":"expect","start":1634.85,"end":1635.25,"confidence":0.99902344,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":0.1463891863822937},{"word":"and","start":1635.25,"end":1635.49,"confidence":0.98828125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14203298091888428},{"word":"see","start":1635.49,"end":1635.99,"confidence":0.96606445,"punctuated_word":"see,","sentiment":"neutral","sentiment_score":0.06868322193622589},{"word":"there's","start":1636.21,"end":1636.45,"confidence":0.99902344,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.09304885566234589},{"word":"a","start":1636.45,"end":1636.5299,"confidence":0.99121094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07313771545886993},{"word":"chance","start":1636.5299,"end":1636.9299,"confidence":1.0,"punctuated_word":"chance","sentiment":"neutral","sentiment_score":0.10293026268482208},{"word":"that","start":1636.9299,"end":1637.09,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09535428881645204},{"word":"you","start":1637.09,"end":1637.33,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12108925729990004},{"word":"could","start":1637.33,"end":1637.57,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.12498455494642258},{"word":"go","start":1637.57,"end":1637.97,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.15760888159275055},{"word":"over","start":1637.97,"end":1638.2899,"confidence":0.86865234,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.21682360768318176},{"word":"the","start":1638.2899,"end":1638.37,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12068084627389908},{"word":"next","start":1638.37,"end":1638.61,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.1226978451013565},{"word":"five","start":1638.61,"end":1638.85,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.10856659710407256},{"word":"years","start":1638.85,"end":1639.1699,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.1433553546667099},{"word":"have","start":1639.1699,"end":1639.4099,"confidence":0.453125,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0836818516254425},{"word":"either","start":1639.4099,"end":1639.57,"confidence":0.9873047,"punctuated_word":"either","sentiment":"neutral","sentiment_score":0.09432650357484818},{"word":"a","start":1639.57,"end":1639.73,"confidence":0.98291016,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11093426495790482},{"word":"167,000","start":1639.73,"end":1641.4299,"confidence":0.93242186,"punctuated_word":"167,000,","sentiment":"neutral","sentiment_score":0.10161417722702026},{"word":"or","start":1641.6499,"end":1641.89,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.10671629011631012},{"word":"if","start":1641.89,"end":1642.0499,"confidence":0.97314453,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08836504817008972},{"word":"the","start":1642.0499,"end":1642.21,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06054959446191788},{"word":"market","start":1642.21,"end":1642.61,"confidence":0.9580078,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.133822500705719},{"word":"still","start":1642.61,"end":1642.9299,"confidence":0.94189453,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.13246768712997437},{"word":"performed","start":1642.9299,"end":1643.25,"confidence":0.9362793,"punctuated_word":"performed,","sentiment":"neutral","sentiment_score":0.2322589606046677},{"word":"if","start":1643.25,"end":1643.4099,"confidence":0.98828125,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.29425057768821716},{"word":"you","start":1643.4099,"end":1643.57,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3105160593986511},{"word":"are","start":1643.57,"end":1643.73,"confidence":0.6381836,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.29524070024490356},{"word":"able","start":1643.73,"end":1643.97,"confidence":1.0,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.3406778872013092},{"word":"to","start":1643.97,"end":1644.0499,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.35371077060699463},{"word":"get","start":1644.0499,"end":1644.21,"confidence":1.0,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.346155047416687},{"word":"a","start":1644.21,"end":1644.37,"confidence":0.9614258,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.30807340145111084},{"word":"12.97%","start":1644.37,"end":1646.055,"confidence":0.9962891,"punctuated_word":"12.97%","sentiment":"positive","sentiment_score":0.38936424255371094},{"word":"return","start":1646.135,"end":1646.4551,"confidence":0.99609375,"punctuated_word":"return","sentiment":"positive","sentiment_score":0.5306508541107178},{"word":"even","start":1646.4551,"end":1646.6951,"confidence":0.56591797,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.236314594745636},{"word":"with","start":1646.6951,"end":1646.935,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.17534014582633972},{"word":"no","start":1646.935,"end":1647.255,"confidence":0.9970703,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.09914733469486237},{"word":"contributions","start":1647.255,"end":1647.755,"confidence":0.875,"punctuated_word":"contributions,","sentiment":"neutral","sentiment_score":0.13621947169303894},{"word":"you","start":1648.295,"end":1648.4551,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3620969355106354},{"word":"could","start":1648.4551,"end":1648.6951,"confidence":0.9980469,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.2860124707221985},{"word":"end","start":1648.6951,"end":1648.775,"confidence":1.0,"punctuated_word":"end","sentiment":"positive","sentiment_score":0.36969009041786194},{"word":"up","start":1648.775,"end":1648.935,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.2248443216085434},{"word":"in","start":1648.935,"end":1649.0951,"confidence":0.9838867,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2805592715740204},{"word":"ten","start":1649.0951,"end":1649.3351,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.306710422039032},{"word":"years","start":1649.3351,"end":1649.5751,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.3255108892917633},{"word":"with","start":1649.5751,"end":1649.8151,"confidence":0.9873047,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.36667048931121826},{"word":"about","start":1649.8151,"end":1650.055,"confidence":0.9951172,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.2953232228755951},{"word":"250,000","start":1650.055,"end":1651.495,"confidence":0.99785155,"punctuated_word":"250,000","sentiment":"positive","sentiment_score":0.4502273201942444},{"word":"in","start":1651.495,"end":1651.655,"confidence":0.9951172,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4025304615497589},{"word":"there","start":1651.655,"end":1651.895,"confidence":0.970459,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.11358475685119628},{"word":"so","start":1651.895,"end":1652.395,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1366811990737915},{"word":"it's","start":1652.535,"end":1652.8551,"confidence":0.99853516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.17670521140098572},{"word":"definitely","start":1652.8551,"end":1653.255,"confidence":0.99902344,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.23829051852226257},{"word":"not","start":1653.255,"end":1653.5751,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.0007452070713043213},{"word":"as","start":1653.5751,"end":1653.895,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.053444504737854},{"word":"much","start":1653.895,"end":1654.2151,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.01086561381816864},{"word":"growth","start":1654.2151,"end":1654.4551,"confidence":0.99316406,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.044443532824516296},{"word":"as","start":1654.4551,"end":1654.6151,"confidence":0.9667969,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07564753293991089},{"word":"what","start":1654.6151,"end":1654.8551,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.12860682606697085},{"word":"peter","start":1654.8551,"end":1655.255,"confidence":0.9453125,"punctuated_word":"Peter","sentiment":"neutral","sentiment_score":0.05103936791419983},{"word":"soufri","start":1655.255,"end":1655.7351,"confidence":0.27237955,"punctuated_word":"Soufri","sentiment":"neutral","sentiment_score":0.19574855268001556},{"word":"is","start":1655.7351,"end":1655.895,"confidence":0.9482422,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1629089713096619},{"word":"seeing","start":1655.895,"end":1656.2151,"confidence":0.94091797,"punctuated_word":"seeing,","sentiment":"neutral","sentiment_score":0.17854279279708862},{"word":"but","start":1656.2151,"end":1656.4551,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.20627963542938232},{"word":"it","start":1656.4551,"end":1656.6151,"confidence":0.99902344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4369257986545563},{"word":"does","start":1656.6151,"end":1656.935,"confidence":1.0,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.4570622742176056},{"word":"see","start":1656.935,"end":1657.175,"confidence":0.94970703,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.4834330677986145},{"word":"that","start":1657.175,"end":1657.415,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.439990371465683},{"word":"growth","start":1657.415,"end":1657.8151,"confidence":0.9797363,"punctuated_word":"growth.","sentiment":"positive","sentiment_score":0.3792151212692261},{"word":"the","start":1657.8151,"end":1657.9751,"confidence":0.9980469,"punctuated_word":"The","sentiment":"positive","sentiment_score":0.39923322200775146},{"word":"money","start":1657.9751,"end":1658.295,"confidence":1.0,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.45610663294792175},{"word":"is","start":1658.295,"end":1658.4551,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3545505702495575},{"word":"still","start":1658.4551,"end":1658.6951,"confidence":1.0,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.38071292638778687},{"word":"invested","start":1658.6951,"end":1659.1951,"confidence":0.7705078,"punctuated_word":"invested.","sentiment":"neutral","sentiment_score":0.32877540588378906},{"word":"and","start":1659.9,"end":1660.14,"confidence":0.98535156,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.25859346985816956},{"word":"you","start":1660.14,"end":1660.2201,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.26358771324157715},{"word":"can","start":1660.2201,"end":1660.54,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.24606332182884216},{"word":"still","start":1660.54,"end":1660.78,"confidence":0.9980469,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.14481978118419647},{"word":"pull","start":1660.78,"end":1660.9401,"confidence":0.99316406,"punctuated_word":"pull","sentiment":"neutral","sentiment_score":0.1582588404417038},{"word":"it","start":1660.9401,"end":1661.1,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07797279208898544},{"word":"down","start":1661.1,"end":1661.3401,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.11991584300994872},{"word":"if","start":1661.3401,"end":1661.5,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.048111166805028915},{"word":"you","start":1661.5,"end":1661.5801,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03322458267211914},{"word":"do","start":1661.5801,"end":1661.8201,"confidence":0.9951172,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.012749798595905304},{"word":"need","start":1661.8201,"end":1662.06,"confidence":0.9904785,"punctuated_word":"need,","sentiment":"neutral","sentiment_score":0.017765168100595474},{"word":"you","start":1662.06,"end":1662.2201,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.030073679983615875},{"word":"know","start":1662.2201,"end":1662.54,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.05000648647546768},{"word":"additional","start":1662.54,"end":1662.9401,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.03513503819704056},{"word":"funds","start":1662.9401,"end":1663.26,"confidence":0.9970703,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.046724751591682434},{"word":"here","start":1663.26,"end":1663.5,"confidence":0.99902344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.08777297288179398},{"word":"and","start":1663.5,"end":1663.5801,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05474133789539337},{"word":"there","start":1663.5801,"end":1663.9,"confidence":1.0,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.06674233078956604},{"word":"for","start":1663.9,"end":1664.06,"confidence":0.9892578,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03668452054262161},{"word":"bills","start":1664.06,"end":1664.38,"confidence":0.9980469,"punctuated_word":"bills","sentiment":"neutral","sentiment_score":0.013415955007076263},{"word":"or","start":1664.38,"end":1664.54,"confidence":0.9667969,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.02528364211320877},{"word":"for","start":1664.54,"end":1664.86,"confidence":0.99658203,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.007214739918708801},{"word":"you","start":1664.86,"end":1665.02,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.016770176589488983},{"word":"know","start":1665.02,"end":1665.26,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.013903960585594176},{"word":"something","start":1665.26,"end":1665.66,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.05137983709573746},{"word":"big","start":1665.66,"end":1665.9,"confidence":0.81152344,"punctuated_word":"big","sentiment":"neutral","sentiment_score":-0.03467392176389694},{"word":"or","start":1665.9,"end":1666.06,"confidence":0.96435547,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0060066357254981995},{"word":"a","start":1666.06,"end":1666.14,"confidence":0.9667969,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.044449497014284134},{"word":"holiday","start":1666.14,"end":1666.54,"confidence":1.0,"punctuated_word":"holiday","sentiment":"neutral","sentiment_score":-0.011555500328540802},{"word":"or","start":1666.54,"end":1666.7001,"confidence":0.99609375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.007978923618793488},{"word":"something","start":1666.7001,"end":1667.1,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.06859105825424194},{"word":"because","start":1667.1,"end":1667.42,"confidence":0.45458984,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.02088719606399536},{"word":"you're","start":1667.42,"end":1667.66,"confidence":0.9975586,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.04608914256095886},{"word":"not","start":1667.66,"end":1667.9,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.0322849303483963},{"word":"working","start":1667.9,"end":1668.2201,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.06855788826942444},{"word":"and","start":1668.2201,"end":1668.38,"confidence":0.8598633,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04670433327555656},{"word":"you're","start":1668.38,"end":1668.62,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.033161044120788574},{"word":"over","start":1668.62,"end":1668.9401,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.021647125482559204},{"word":"60","start":1668.9401,"end":1669.4401,"confidence":0.9111328,"punctuated_word":"60.","sentiment":"neutral","sentiment_score":0.006477031856775284},{"word":"you","start":1669.74,"end":1669.98,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.14857542514801023},{"word":"have","start":1669.98,"end":1670.2201,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12655109167099},{"word":"full","start":1670.2201,"end":1670.4601,"confidence":1.0,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.2745952010154724},{"word":"access","start":1670.4601,"end":1670.9401,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.23615586757659912},{"word":"to","start":1670.9401,"end":1671.1,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2778471112251282},{"word":"this","start":1671.1,"end":1671.3401,"confidence":1.0,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.37277328968048096},{"word":"money","start":1671.3401,"end":1671.8401,"confidence":0.9909668,"punctuated_word":"money.","sentiment":"neutral","sentiment_score":0.31476232409477234},{"word":"but","start":1672.5951,"end":1672.915,"confidence":0.984375,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.07783804833889008},{"word":"in","start":1672.915,"end":1673.0751,"confidence":0.97802734,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03743759170174599},{"word":"saying","start":1673.0751,"end":1673.3151,"confidence":0.9980469,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":0.05937238782644272},{"word":"that","start":1673.3151,"end":1673.555,"confidence":0.8015137,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.04431100934743881},{"word":"if","start":1673.555,"end":1673.795,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06244439631700516},{"word":"if","start":1673.795,"end":1673.9551,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06183166056871414},{"word":"you","start":1673.9551,"end":1674.115,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07865674793720245},{"word":"just","start":1674.115,"end":1674.275,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06243021786212921},{"word":"wanna","start":1674.275,"end":1674.5951,"confidence":0.9873047,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.07400137186050415},{"word":"pay","start":1674.5951,"end":1674.675,"confidence":0.9970703,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.004383906722068787},{"word":"off","start":1674.675,"end":1674.8351,"confidence":0.98828125,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.0071683526039123535},{"word":"the","start":1674.8351,"end":1675.0751,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00943891704082489},{"word":"mortgage","start":1675.0751,"end":1675.555,"confidence":0.9970703,"punctuated_word":"mortgage,","sentiment":"neutral","sentiment_score":0.01788977161049843},{"word":"you're","start":1675.555,"end":1675.875,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.09568649530410768},{"word":"welcome","start":1675.875,"end":1676.275,"confidence":0.99902344,"punctuated_word":"welcome","sentiment":"neutral","sentiment_score":0.25376251339912415},{"word":"to","start":1676.275,"end":1676.355,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16929063200950625},{"word":"ring","start":1676.355,"end":1676.515,"confidence":0.99902344,"punctuated_word":"ring","sentiment":"neutral","sentiment_score":0.12103927880525588},{"word":"me","start":1676.515,"end":1676.675,"confidence":0.9980469,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1325473040342331},{"word":"and","start":1676.675,"end":1676.8351,"confidence":0.9526367,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10362084209918976},{"word":"go","start":1676.8351,"end":1676.995,"confidence":0.9904785,"punctuated_word":"go,","sentiment":"neutral","sentiment_score":0.1279389262199402},{"word":"dana","start":1676.995,"end":1677.3151,"confidence":0.9790039,"punctuated_word":"Dana,","sentiment":"neutral","sentiment_score":0.07650428265333176},{"word":"i'm","start":1677.3151,"end":1677.555,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.044619929045438766},{"word":"done","start":1677.555,"end":1677.875,"confidence":0.9770508,"punctuated_word":"done.","sentiment":"neutral","sentiment_score":0.011581655591726305},{"word":"take","start":1677.875,"end":1678.115,"confidence":0.9951172,"punctuated_word":"Take","sentiment":"neutral","sentiment_score":-0.04242329299449921},{"word":"my","start":1678.115,"end":1678.275,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.09710447490215302},{"word":"money","start":1678.275,"end":1678.515,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.10345115512609482},{"word":"out","start":1678.515,"end":1678.755,"confidence":0.9975586,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.062031302601099014},{"word":"i","start":1678.755,"end":1678.8351,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02481231838464737},{"word":"just","start":1678.8351,"end":1678.995,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.036023303866386414},{"word":"wanna","start":1678.995,"end":1679.235,"confidence":0.9770508,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.038048144429922104},{"word":"put","start":1679.235,"end":1679.3151,"confidence":0.96435547,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.018103763461112976},{"word":"on","start":1679.3151,"end":1679.475,"confidence":0.79052734,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.002358436584472656},{"word":"the","start":1679.475,"end":1679.555,"confidence":0.9614258,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.025983601808547977},{"word":"mortgage","start":1679.555,"end":1679.9551,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.05171529203653336},{"word":"and","start":1679.9551,"end":1680.1951,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.014338776469230652},{"word":"reduce","start":1680.1951,"end":1680.515,"confidence":0.9921875,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.037887923419475555},{"word":"the","start":1680.515,"end":1680.5951,"confidence":0.9716797,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01742536574602127},{"word":"amount","start":1680.5951,"end":1680.915,"confidence":0.9941406,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.03617001324892044},{"word":"we","start":1680.915,"end":1681.0751,"confidence":0.98535156,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03261768817901611},{"word":"have","start":1681.0751,"end":1681.5751,"confidence":0.9641113,"punctuated_word":"have.","sentiment":"neutral","sentiment_score":-0.01485297828912735},{"word":"we","start":1681.7151,"end":1681.875,"confidence":0.99902344,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.07261524349451065},{"word":"would","start":1681.875,"end":1682.115,"confidence":0.96972656,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.10213470458984376},{"word":"just","start":1682.115,"end":1682.275,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14233481884002686},{"word":"pull","start":1682.275,"end":1682.515,"confidence":0.9980469,"punctuated_word":"pull","sentiment":"neutral","sentiment_score":0.14609219133853912},{"word":"it","start":1682.515,"end":1682.675,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11579009890556335},{"word":"out","start":1682.675,"end":1682.8351,"confidence":0.9995117,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.12001437693834303},{"word":"it","start":1682.8351,"end":1682.995,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.21131065487861633},{"word":"can","start":1682.995,"end":1683.155,"confidence":0.98535156,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2520832121372223},{"word":"be","start":1683.155,"end":1683.3151,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.29025334119796753},{"word":"done","start":1683.3151,"end":1683.555,"confidence":1.0,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.2631526291370392},{"word":"as","start":1683.555,"end":1683.635,"confidence":0.9951172,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2842521667480469},{"word":"a","start":1683.635,"end":1683.875,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3159688413143158},{"word":"transaction","start":1683.875,"end":1684.375,"confidence":1.0,"punctuated_word":"transaction","sentiment":"neutral","sentiment_score":0.2670903503894806},{"word":"without","start":1684.435,"end":1684.755,"confidence":0.8911133,"punctuated_word":"without","sentiment":"neutral","sentiment_score":0.2820078730583191},{"word":"advice","start":1684.755,"end":1685.255,"confidence":0.9589844,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.2016776502132416},{"word":"nice","start":1685.3151,"end":1685.555,"confidence":0.93847656,"punctuated_word":"nice","sentiment":"neutral","sentiment_score":0.3274843692779541},{"word":"and","start":1685.555,"end":1685.7151,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.283577561378479},{"word":"quickly","start":1685.7151,"end":1686.2151,"confidence":0.9980469,"punctuated_word":"quickly.","sentiment":"neutral","sentiment_score":0.1973266899585724},{"word":"it","start":1686.5299,"end":1686.69,"confidence":0.99609375,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.07716286927461624},{"word":"can","start":1686.69,"end":1686.85,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08734379708766937},{"word":"go","start":1686.85,"end":1687.01,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.11089052259922028},{"word":"on","start":1687.01,"end":1687.1699,"confidence":0.99316406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11227813363075256},{"word":"the","start":1687.1699,"end":1687.49,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17452718317508698},{"word":"mortgage","start":1687.49,"end":1687.99,"confidence":0.7459717,"punctuated_word":"mortgage.","sentiment":"neutral","sentiment_score":0.15170451998710632},{"word":"and","start":1688.21,"end":1688.45,"confidence":0.5600586,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1904434710741043},{"word":"you're","start":1688.45,"end":1688.7699,"confidence":0.9926758,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1587561070919037},{"word":"still","start":1688.7699,"end":1689.09,"confidence":0.9980469,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.14103958010673523},{"word":"young","start":1689.09,"end":1689.33,"confidence":1.0,"punctuated_word":"young","sentiment":"neutral","sentiment_score":0.1772026568651199},{"word":"enough","start":1689.33,"end":1689.57,"confidence":0.9667969,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":0.2087051123380661},{"word":"that","start":1689.57,"end":1689.6499,"confidence":0.74560547,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16501198709011078},{"word":"if","start":1689.6499,"end":1689.8099,"confidence":0.9951172,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.200736403465271},{"word":"you","start":1689.8099,"end":1689.97,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1649540513753891},{"word":"change","start":1689.97,"end":1690.21,"confidence":0.9873047,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.1447027623653412},{"word":"your","start":1690.21,"end":1690.37,"confidence":0.9921875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14558744430541992},{"word":"mind","start":1690.37,"end":1690.61,"confidence":0.98999023,"punctuated_word":"mind,","sentiment":"neutral","sentiment_score":0.1847294569015503},{"word":"we","start":1690.61,"end":1690.7699,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.22844228148460388},{"word":"can","start":1690.7699,"end":1690.9299,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2550989091396332},{"word":"always","start":1690.9299,"end":1691.1699,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.2472074329853058},{"word":"put","start":1691.1699,"end":1691.4099,"confidence":0.99902344,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.197193443775177},{"word":"some","start":1691.4099,"end":1691.57,"confidence":0.9892578,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.12821027636528015},{"word":"back","start":1691.57,"end":1691.8099,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.17680230736732483},{"word":"into","start":1691.8099,"end":1692.21,"confidence":0.7661133,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.1433289498090744},{"word":"super","start":1692.21,"end":1692.71,"confidence":0.6257324,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.22509881854057312},{"word":"so","start":1693.33,"end":1693.49,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11722015589475632},{"word":"or","start":1693.73,"end":1693.8899,"confidence":0.9970703,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.09572508931159972},{"word":"invest","start":1693.8899,"end":1694.2899,"confidence":0.97314453,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":0.12219668924808502},{"word":"it","start":1694.2899,"end":1694.45,"confidence":0.7939453,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1336488574743271},{"word":"in","start":1694.45,"end":1694.61,"confidence":0.68359375,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13331261277198792},{"word":"other","start":1694.61,"end":1694.85,"confidence":0.8198242,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.14010807871818542},{"word":"ways","start":1694.85,"end":1695.09,"confidence":0.9248047,"punctuated_word":"ways.","sentiment":"neutral","sentiment_score":0.1707552969455719},{"word":"so","start":1695.09,"end":1695.25,"confidence":0.98828125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.18708375096321103},{"word":"you","start":1695.25,"end":1695.49,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2036692351102829},{"word":"do","start":1695.49,"end":1695.73,"confidence":0.9941406,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.18936316668987271},{"word":"definitely","start":1695.73,"end":1696.13,"confidence":0.9902344,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.18587616086006165},{"word":"have","start":1696.13,"end":1696.37,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13091439008712769},{"word":"other","start":1696.37,"end":1696.61,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.1065901815891266},{"word":"options","start":1696.61,"end":1697.09,"confidence":0.99902344,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.09925362467765808},{"word":"there","start":1697.09,"end":1697.25,"confidence":0.98291016,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.14608575403690338},{"word":"to","start":1697.25,"end":1697.4099,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11501749604940414},{"word":"have","start":1697.4099,"end":1697.6499,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11034055799245834},{"word":"a","start":1697.6499,"end":1697.73,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10385598987340929},{"word":"look","start":1697.73,"end":1697.97,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.08491969853639603},{"word":"at","start":1697.97,"end":1698.465,"confidence":0.9995117,"punctuated_word":"at.","sentiment":"neutral","sentiment_score":0.11629344522953032},{"word":"yeah","start":1698.705,"end":1699.205,"confidence":1.0,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10960516333580016},{"word":"yeah","start":1700.945,"end":1701.445,"confidence":0.98535156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17712579667568207},{"word":"well","start":1701.585,"end":1701.9049,"confidence":0.6960449,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.308268666267395},{"word":"good","start":1701.9049,"end":1702.4049,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.37824100255966187},{"word":"but","start":1702.705,"end":1702.865,"confidence":0.9863281,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.2510010898113251},{"word":"that's","start":1702.865,"end":1703.1849,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1967657506465912},{"word":"essentially","start":1703.1849,"end":1703.6849,"confidence":0.90893555,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.1427801102399826},{"word":"like","start":1703.825,"end":1704.065,"confidence":0.9914551,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.17521542310714722},{"word":"the","start":1704.065,"end":1704.225,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27911993861198425},{"word":"changes","start":1704.225,"end":1704.705,"confidence":0.9760742,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.3275876045227051},{"word":"made","start":1704.705,"end":1704.945,"confidence":0.9941406,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.2725185751914978},{"word":"to","start":1704.945,"end":1705.025,"confidence":0.96875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2870442271232605},{"word":"yours","start":1705.025,"end":1705.345,"confidence":0.9970703,"punctuated_word":"yours","sentiment":"neutral","sentiment_score":0.2891210913658142},{"word":"and","start":1705.345,"end":1705.505,"confidence":0.97509766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.26090410351753235},{"word":"where","start":1705.505,"end":1705.745,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.2371443808078766},{"word":"we","start":1705.745,"end":1705.9049,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2719990313053131},{"word":"can","start":1705.9049,"end":1706.225,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2432772666215897},{"word":"see","start":1706.225,"end":1706.465,"confidence":0.99902344,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.30863556265830994},{"word":"it","start":1706.465,"end":1706.625,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.23898276686668396},{"word":"going","start":1706.625,"end":1707.125,"confidence":0.99609375,"punctuated_word":"going.","sentiment":"neutral","sentiment_score":0.215706467628479},{"word":"i","start":1707.505,"end":1707.745,"confidence":0.72509766,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10199333727359772},{"word":"do","start":1707.745,"end":1707.9049,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07651175558567047},{"word":"wanna","start":1707.9049,"end":1708.225,"confidence":0.9980469,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.11927032470703124},{"word":"make","start":1708.225,"end":1708.385,"confidence":0.99902344,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.05953450873494148},{"word":"sure","start":1708.385,"end":1708.625,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.07804247736930847},{"word":"we","start":1708.625,"end":1708.865,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08399976044893265},{"word":"do","start":1708.865,"end":1709.1849,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10124769806861876},{"word":"catch","start":1709.1849,"end":1709.4249,"confidence":0.94970703,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":0.08311160653829575},{"word":"up","start":1709.4249,"end":1709.745,"confidence":0.9741211,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.07420079410076141},{"word":"to","start":1709.745,"end":1709.985,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06349259614944458},{"word":"see","start":1709.985,"end":1710.385,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.06456224620342255},{"word":"how","start":1710.385,"end":1710.705,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.07668516039848328},{"word":"it","start":1710.705,"end":1710.865,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09411706030368804},{"word":"is","start":1710.865,"end":1711.105,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08744531124830246},{"word":"tracking","start":1711.105,"end":1711.585,"confidence":0.95874023,"punctuated_word":"tracking,","sentiment":"neutral","sentiment_score":0.09094803035259248},{"word":"and","start":1711.585,"end":1711.825,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0731469988822937},{"word":"i","start":1711.825,"end":1711.985,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08868609368801117},{"word":"will","start":1711.985,"end":1712.225,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.09805713593959808},{"word":"make","start":1712.225,"end":1712.465,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.08952702581882477},{"word":"sure","start":1712.465,"end":1712.705,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.07908371835947037},{"word":"do","start":1713.585,"end":1713.745,"confidence":0.73583984,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06155270338058472},{"word":"you","start":1713.745,"end":1713.825,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08149880170822144},{"word":"guys","start":1713.825,"end":1714.325,"confidence":0.99609375,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.08513069897890091},{"word":"prefer","start":1714.49,"end":1714.89,"confidence":1.0,"punctuated_word":"prefer","sentiment":"neutral","sentiment_score":0.06198206916451454},{"word":"maybe","start":1714.89,"end":1715.29,"confidence":0.9604492,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.07706868648529053},{"word":"a","start":1715.29,"end":1715.37,"confidence":0.984375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0785229504108429},{"word":"catch","start":1715.37,"end":1715.6901,"confidence":0.98535156,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":0.05619605630636215},{"word":"up","start":1715.6901,"end":1715.77,"confidence":0.9550781,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.033161893486976624},{"word":"once","start":1715.77,"end":1716.0901,"confidence":0.99121094,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.06786622852087021},{"word":"every","start":1716.0901,"end":1716.3301,"confidence":0.99609375,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.04033485054969787},{"word":"three","start":1716.3301,"end":1716.5701,"confidence":0.99902344,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.031633369624614716},{"word":"or","start":1716.5701,"end":1716.81,"confidence":0.99609375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.03103987872600555},{"word":"six","start":1716.81,"end":1717.13,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.028249576687812805},{"word":"months","start":1717.13,"end":1717.61,"confidence":0.9941406,"punctuated_word":"months?","sentiment":"neutral","sentiment_score":0.033339258283376694},{"word":"do","start":1717.61,"end":1717.77,"confidence":0.9819336,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.008697845041751862},{"word":"you","start":1717.77,"end":1717.93,"confidence":0.6152344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.010722560808062552},{"word":"how","start":1718.0901,"end":1718.25,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.009137673303484917},{"word":"often","start":1718.25,"end":1718.5701,"confidence":1.0,"punctuated_word":"often","sentiment":"neutral","sentiment_score":0.02320006489753723},{"word":"would","start":1718.5701,"end":1718.81,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.026300594210624695},{"word":"you","start":1718.81,"end":1718.89,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03628327324986458},{"word":"like","start":1718.89,"end":1719.13,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.04354137182235718},{"word":"to","start":1719.13,"end":1719.29,"confidence":0.96533203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04461132735013962},{"word":"sort","start":1719.29,"end":1719.4501,"confidence":0.9404297,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.05485106259584427},{"word":"of","start":1719.4501,"end":1719.53,"confidence":0.8857422,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03976074233651161},{"word":"see","start":1719.53,"end":1719.77,"confidence":0.99609375,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.03830656409263611},{"word":"a","start":1719.77,"end":1719.85,"confidence":0.9902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05829938128590584},{"word":"catch","start":1719.85,"end":1720.17,"confidence":1.0,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":0.06796673685312271},{"word":"up","start":1720.17,"end":1720.3301,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.03469222038984299},{"word":"moving","start":1720.3301,"end":1720.65,"confidence":0.9951172,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.06225947290658951},{"word":"forward","start":1720.65,"end":1721.15,"confidence":0.9995117,"punctuated_word":"forward?","sentiment":"neutral","sentiment_score":0.09910884499549866},{"word":"yeah","start":1728.0901,"end":1728.5901,"confidence":0.692749,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2765345871448517},{"word":"i","start":1730.715,"end":1730.955,"confidence":0.74316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0909559428691864},{"word":"am","start":1730.955,"end":1731.455,"confidence":0.9975586,"punctuated_word":"am.","sentiment":"neutral","sentiment_score":0.050738804042339325},{"word":"yeah","start":1732.635,"end":1733.135,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12750819325447085},{"word":"yeah","start":1735.595,"end":1735.755,"confidence":0.86450195,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.22203022241592407},{"word":"yeah","start":1735.755,"end":1736.255,"confidence":0.88500977,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2299955040216446},{"word":"it's","start":1736.635,"end":1736.955,"confidence":0.93603516,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.34733256697654724},{"word":"okay","start":1736.955,"end":1737.455,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"positive","sentiment_score":0.4614163637161255},{"word":"all","start":1738.155,"end":1738.395,"confidence":0.7348633,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.6031073927879333},{"word":"good","start":1738.395,"end":1738.555,"confidence":0.9770508,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5164344906806946},{"word":"and","start":1738.555,"end":1738.715,"confidence":0.9921875,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2724860608577728},{"word":"if","start":1738.715,"end":1738.955,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.27114158868789673},{"word":"if","start":1738.955,"end":1739.115,"confidence":0.99121094,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2433730512857437},{"word":"you","start":1739.115,"end":1739.195,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18250197172164917},{"word":"wanna","start":1739.195,"end":1739.515,"confidence":0.9970703,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.18860533833503723},{"word":"send","start":1739.515,"end":1739.755,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.15636755526065826},{"word":"me","start":1739.755,"end":1739.835,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.15937228500843048},{"word":"through","start":1739.835,"end":1740.075,"confidence":0.9902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.20841218531131744},{"word":"a","start":1740.075,"end":1740.155,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2213667333126068},{"word":"statement","start":1740.155,"end":1740.635,"confidence":0.86621094,"punctuated_word":"statement,","sentiment":"neutral","sentiment_score":0.2541089653968811},{"word":"i","start":1740.635,"end":1740.795,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2443181425333023},{"word":"can","start":1740.795,"end":1740.955,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.21562716364860535},{"word":"even","start":1740.955,"end":1741.115,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.21442212164402008},{"word":"send","start":1741.115,"end":1741.355,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.1707775890827179},{"word":"you","start":1741.355,"end":1741.515,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1921871602535248},{"word":"another","start":1741.515,"end":1741.835,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.17012397944927216},{"word":"email","start":1741.835,"end":1742.155,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.21204406023025513},{"word":"after","start":1742.155,"end":1742.395,"confidence":0.9951172,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.19647063314914703},{"word":"the","start":1742.395,"end":1742.475,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2120915800333023},{"word":"call","start":1742.475,"end":1742.635,"confidence":0.8647461,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.2016701698303223},{"word":"so","start":1742.635,"end":1742.715,"confidence":0.73046875,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2075311690568924},{"word":"you've","start":1742.715,"end":1742.955,"confidence":0.9890137,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.20649389922618863},{"word":"got","start":1742.955,"end":1743.195,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.20024056732654572},{"word":"my","start":1743.195,"end":1743.355,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.14821909368038175},{"word":"email","start":1743.355,"end":1743.595,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.2227393388748169},{"word":"there","start":1743.595,"end":1743.755,"confidence":0.9711914,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.16751417517662048},{"word":"but","start":1743.755,"end":1743.835,"confidence":0.8857422,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.09634587168693542},{"word":"if","start":1743.835,"end":1743.995,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0564100444316864},{"word":"you","start":1743.995,"end":1744.075,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05515396222472191},{"word":"wanna","start":1744.075,"end":1744.395,"confidence":0.99902344,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.0630885660648346},{"word":"send","start":1744.395,"end":1744.555,"confidence":0.9980469,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.0625888779759407},{"word":"me","start":1744.555,"end":1744.715,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.06828062236309052},{"word":"through","start":1744.715,"end":1744.955,"confidence":0.9970703,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.06517782807350159},{"word":"another","start":1744.955,"end":1745.28,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.045411765575408936},{"word":"statement","start":1745.36,"end":1745.56,"confidence":0.9980469,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.06870844960212708},{"word":"just","start":1745.56,"end":1745.76,"confidence":0.88183594,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05696094036102295},{"word":"with","start":1745.76,"end":1746.0,"confidence":0.921875,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0552031509578228},{"word":"the","start":1746.0,"end":1746.3201,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05024418979883194},{"word":"updated","start":1746.3201,"end":1746.8,"confidence":0.9980469,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.05751068517565727},{"word":"things","start":1746.8,"end":1747.12,"confidence":0.9650879,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.06260015070438385},{"word":"i","start":1747.12,"end":1747.28,"confidence":0.97802734,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08609195798635483},{"word":"can","start":1747.28,"end":1747.52,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07271088659763336},{"word":"have","start":1747.52,"end":1747.64,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09474894404411316},{"word":"a","start":1747.64,"end":1747.76,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09577159583568572},{"word":"look","start":1747.76,"end":1748.26,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.22148090600967407},{"word":"and","start":1748.4,"end":1748.64,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22103235125541687},{"word":"give","start":1748.64,"end":1748.8,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.26646187901496887},{"word":"you","start":1748.8,"end":1749.04,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28609347343444824},{"word":"a","start":1749.04,"end":1749.2001,"confidence":0.99609375,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3350890874862671},{"word":"comparison","start":1749.2001,"end":1749.7001,"confidence":0.99902344,"punctuated_word":"comparison","sentiment":"neutral","sentiment_score":0.23322468996047976},{"word":"email","start":1750.0,"end":1750.5,"confidence":0.99902344,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.27382606267929077},{"word":"to","start":1750.56,"end":1750.8,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2143017053604126},{"word":"show","start":1750.8,"end":1751.3,"confidence":0.99902344,"punctuated_word":"show,","sentiment":"neutral","sentiment_score":0.22478309273719788},{"word":"you","start":1751.36,"end":1751.4401,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23159267008304596},{"word":"know","start":1751.4401,"end":1751.76,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.2519262433052063},{"word":"what","start":1751.76,"end":1752.0801,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.32904863357543945},{"word":"paying","start":1752.0801,"end":1752.4,"confidence":0.99902344,"punctuated_word":"paying","sentiment":"positive","sentiment_score":0.3608551621437073},{"word":"this","start":1752.4,"end":1752.72,"confidence":0.9941406,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.32089006900787354},{"word":"down","start":1752.72,"end":1753.04,"confidence":0.9941406,"punctuated_word":"down","sentiment":"positive","sentiment_score":0.34913170337677},{"word":"could","start":1753.04,"end":1753.36,"confidence":0.99902344,"punctuated_word":"could","sentiment":"positive","sentiment_score":0.35198333859443665},{"word":"do","start":1753.36,"end":1753.68,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.3229658603668213},{"word":"and","start":1753.68,"end":1753.92,"confidence":0.92822266,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.28290054202079773},{"word":"how","start":1753.92,"end":1754.16,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.29544317722320557},{"word":"it","start":1754.16,"end":1754.24,"confidence":0.7626953,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.28433769941329956},{"word":"could","start":1754.24,"end":1754.4,"confidence":0.9970703,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.26818373799324036},{"word":"how","start":1754.56,"end":1754.72,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.249929279088974},{"word":"much","start":1754.72,"end":1754.9601,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.21449479460716248},{"word":"interest","start":1754.9601,"end":1755.36,"confidence":1.0,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.31121575832366943},{"word":"you","start":1755.36,"end":1755.52,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.26335033774375916},{"word":"could","start":1755.52,"end":1755.76,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.30397558212280273},{"word":"expect","start":1755.76,"end":1756.0801,"confidence":1.0,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":0.3210219144821167},{"word":"to","start":1756.0801,"end":1756.3201,"confidence":0.9770508,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.25038865208625793},{"word":"kinda","start":1756.3201,"end":1756.64,"confidence":0.5415039,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.31989628076553345},{"word":"save","start":1756.64,"end":1756.9601,"confidence":0.9970703,"punctuated_word":"save","sentiment":"neutral","sentiment_score":0.26555606722831726},{"word":"on","start":1756.9601,"end":1757.4601,"confidence":0.9941406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.3298647701740265},{"word":"putting","start":1758.0651,"end":1758.385,"confidence":0.9970703,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.2793923616409302},{"word":"this","start":1758.385,"end":1758.545,"confidence":0.99316406,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2120408266782761},{"word":"money","start":1758.545,"end":1758.865,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.2315506637096405},{"word":"towards","start":1758.865,"end":1759.185,"confidence":0.99316406,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.2852684259414673},{"word":"your","start":1759.185,"end":1759.345,"confidence":0.94970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2596728503704071},{"word":"mortgage","start":1759.345,"end":1759.745,"confidence":0.9902344,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.2572425305843353},{"word":"just","start":1759.745,"end":1759.985,"confidence":0.7216797,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.20391415059566495},{"word":"to","start":1759.985,"end":1760.0651,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16818523406982422},{"word":"give","start":1760.0651,"end":1760.225,"confidence":0.99902344,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.1912626177072525},{"word":"you","start":1760.225,"end":1760.465,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22433896362781525},{"word":"a","start":1760.465,"end":1760.625,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2356638461351395},{"word":"comparison","start":1760.625,"end":1761.125,"confidence":0.99609375,"punctuated_word":"comparison","sentiment":"neutral","sentiment_score":0.2671988606452942},{"word":"so","start":1761.265,"end":1761.425,"confidence":0.93408203,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.25410425662994385},{"word":"you","start":1761.425,"end":1761.505,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3550916910171509},{"word":"can","start":1761.505,"end":1761.745,"confidence":0.9941406,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.3270590305328369},{"word":"kind","start":1761.745,"end":1761.985,"confidence":0.3215332,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.34282049536705017},{"word":"kinda","start":1762.145,"end":1762.385,"confidence":0.9707031,"punctuated_word":"kinda","sentiment":"positive","sentiment_score":0.335266649723053},{"word":"have","start":1762.385,"end":1762.465,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2546292245388031},{"word":"a","start":1762.465,"end":1762.625,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.29697439074516296},{"word":"think","start":1762.625,"end":1762.865,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.2691074013710022},{"word":"about","start":1762.865,"end":1763.105,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.2834634482860565},{"word":"what","start":1763.105,"end":1763.265,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2730269432067871},{"word":"you'd","start":1763.265,"end":1763.505,"confidence":0.99853516,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.23530030250549316},{"word":"like","start":1763.505,"end":1763.745,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1831762343645096},{"word":"to","start":1763.745,"end":1763.825,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16890016198158264},{"word":"do","start":1763.825,"end":1764.325,"confidence":0.88549805,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.1566938757896423},{"word":"yeah","start":1764.545,"end":1765.045,"confidence":0.8027344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16552741825580597},{"word":"yeah","start":1766.385,"end":1766.885,"confidence":0.9033203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.22800494730472565},{"word":"oh","start":1767.345,"end":1767.665,"confidence":0.82373047,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.39625105261802673},{"word":"good","start":1767.665,"end":1768.165,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3608250021934509},{"word":"so","start":1768.785,"end":1769.025,"confidence":0.94970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1657191962003708},{"word":"back","start":1769.025,"end":1769.265,"confidence":0.9248047,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.1352342814207077},{"word":"up","start":1769.265,"end":1769.505,"confidence":0.99609375,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.10651138424873352},{"word":"on","start":1769.505,"end":1769.665,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.13953453302383423},{"word":"page","start":1769.665,"end":1769.985,"confidence":1.0,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.11804014444351196},{"word":"number","start":1769.985,"end":1770.385,"confidence":0.99902344,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.12876521050930023},{"word":"30","start":1770.385,"end":1770.705,"confidence":0.9980469,"punctuated_word":"30","sentiment":"neutral","sentiment_score":0.09569607675075532},{"word":"there","start":1770.705,"end":1771.025,"confidence":0.9663086,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.09118511527776718},{"word":"you'll","start":1771.025,"end":1771.265,"confidence":0.9189453,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.08178897947072983},{"word":"just","start":1771.265,"end":1771.585,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08349722623825073},{"word":"see","start":1771.585,"end":1771.825,"confidence":0.9375,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.09913013130426408},{"word":"a","start":1771.825,"end":1771.985,"confidence":0.9873047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08751530945301056},{"word":"lot","start":1771.985,"end":1772.225,"confidence":0.9892578,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.0569874532520771},{"word":"there","start":1772.305,"end":1772.545,"confidence":0.9951172,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.05582094565033913},{"word":"are","start":1772.545,"end":1773.03,"confidence":0.9980469,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.05442371964454651},{"word":"a","start":1773.11,"end":1773.27,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0695321261882782},{"word":"lot","start":1773.27,"end":1773.43,"confidence":0.99902344,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.04605301469564438},{"word":"of","start":1773.43,"end":1773.51,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05548495799303055},{"word":"the","start":1773.51,"end":1773.75,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04777375608682632},{"word":"same","start":1773.75,"end":1774.23,"confidence":0.99902344,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.06037726253271103},{"word":"investments","start":1774.23,"end":1774.73,"confidence":0.88720703,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.0389922559261322},{"word":"so","start":1775.11,"end":1775.35,"confidence":0.74902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05275220051407814},{"word":"we're","start":1775.35,"end":1775.5901,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.09750001132488252},{"word":"just","start":1775.5901,"end":1775.75,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11515898257493971},{"word":"gonna","start":1775.75,"end":1776.25,"confidence":0.9980469,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.108014278113842},{"word":"sell","start":1776.47,"end":1776.7101,"confidence":0.8852539,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.03803762048482895},{"word":"off","start":1776.7101,"end":1776.87,"confidence":0.9873047,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.01903262734413147},{"word":"some","start":1776.87,"end":1777.03,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.0133831724524498},{"word":"of","start":1777.03,"end":1777.11,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.010560698807239532},{"word":"your","start":1777.11,"end":1777.35,"confidence":0.9301758,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05560329556465149},{"word":"gold","start":1777.35,"end":1777.5901,"confidence":0.99365234,"punctuated_word":"gold.","sentiment":"neutral","sentiment_score":0.04486706480383873},{"word":"you've","start":1777.5901,"end":1777.8301,"confidence":0.9980469,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.14698979258537292},{"word":"got","start":1777.8301,"end":1777.99,"confidence":0.9980469,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.165482759475708},{"word":"about","start":1777.99,"end":1778.23,"confidence":0.9951172,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.13639259338378906},{"word":"20%","start":1778.23,"end":1778.9501,"confidence":1.0,"punctuated_word":"20%","sentiment":"neutral","sentiment_score":0.23767873644828796},{"word":"gold","start":1778.9501,"end":1779.1901,"confidence":0.9970703,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.24375084042549133},{"word":"in","start":1779.1901,"end":1779.35,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20797182619571689},{"word":"there","start":1779.35,"end":1779.51,"confidence":0.9970703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.20599474012851715},{"word":"at","start":1779.51,"end":1779.5901,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2359883338212967},{"word":"the","start":1779.5901,"end":1779.75,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22276897728443143},{"word":"moment","start":1779.75,"end":1780.15,"confidence":0.9980469,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.24406564235687256},{"word":"it's","start":1780.15,"end":1780.31,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.4787207543849945},{"word":"a","start":1780.31,"end":1780.47,"confidence":0.99902344,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5762465596199036},{"word":"beautiful","start":1780.47,"end":1780.97,"confidence":1.0,"punctuated_word":"beautiful","sentiment":"positive","sentiment_score":0.6913104057312012},{"word":"increase","start":1781.1901,"end":1781.67,"confidence":0.9980469,"punctuated_word":"increase","sentiment":"positive","sentiment_score":0.7270605564117432},{"word":"in","start":1781.67,"end":1781.8301,"confidence":0.9980469,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.6254160404205322},{"word":"your","start":1781.8301,"end":1782.0701,"confidence":0.9838867,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5727719068527222},{"word":"in","start":1782.0701,"end":1782.23,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.6289722323417664},{"word":"your","start":1782.23,"end":1782.47,"confidence":1.0,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5666459798812866},{"word":"portfolio","start":1782.47,"end":1782.97,"confidence":0.8547363,"punctuated_word":"portfolio.","sentiment":"positive","sentiment_score":0.4746615886688232},{"word":"so","start":1784.15,"end":1784.31,"confidence":0.88964844,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.29701313376426697},{"word":"selling","start":1784.31,"end":1784.7101,"confidence":0.984375,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":0.1384650021791458},{"word":"off","start":1784.7101,"end":1784.87,"confidence":0.9614258,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.1732238084077835},{"word":"some","start":1784.87,"end":1785.03,"confidence":0.9970703,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.265592098236084},{"word":"of","start":1785.03,"end":1785.1901,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.36727574467659},{"word":"that","start":1785.1901,"end":1785.35,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2956281304359436},{"word":"and","start":1785.35,"end":1785.51,"confidence":0.9790039,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.29586872458457947},{"word":"just","start":1785.51,"end":1785.885,"confidence":0.98535156,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.29556968808174133},{"word":"retaining","start":1785.965,"end":1786.365,"confidence":0.99121094,"punctuated_word":"retaining","sentiment":"neutral","sentiment_score":0.31448379158973694},{"word":"10,000","start":1786.365,"end":1787.085,"confidence":1.0,"punctuated_word":"10,000","sentiment":"positive","sentiment_score":0.3816982805728912},{"word":"in","start":1787.085,"end":1787.325,"confidence":0.99902344,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.33533766865730286},{"word":"there","start":1787.325,"end":1787.805,"confidence":0.763916,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.3025304973125458},{"word":"gold","start":1787.805,"end":1788.045,"confidence":0.9526367,"punctuated_word":"gold","sentiment":"positive","sentiment_score":0.511525571346283},{"word":"is","start":1788.045,"end":1788.205,"confidence":0.97265625,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.31501859426498413},{"word":"a","start":1788.205,"end":1788.365,"confidence":0.9941406,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4351396560668946},{"word":"really","start":1788.365,"end":1788.685,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5125668048858643},{"word":"great","start":1788.685,"end":1788.925,"confidence":0.9980469,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.6387338042259216},{"word":"growth","start":1788.925,"end":1789.405,"confidence":0.9921875,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.6914148926734924},{"word":"investment","start":1789.405,"end":1789.905,"confidence":0.8232422,"punctuated_word":"investment,","sentiment":"positive","sentiment_score":0.376348078250885},{"word":"but","start":1790.125,"end":1790.525,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.19950100779533383},{"word":"the","start":1790.525,"end":1790.765,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0747031420469284},{"word":"downside","start":1790.765,"end":1791.265,"confidence":0.9902344,"punctuated_word":"downside","sentiment":"neutral","sentiment_score":-0.001226469874382019},{"word":"to","start":1791.405,"end":1791.5651,"confidence":0.8276367,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.120804101228714},{"word":"gold","start":1791.5651,"end":1791.805,"confidence":0.99609375,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":-0.2350042760372162},{"word":"is","start":1791.805,"end":1791.965,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2885061204433441},{"word":"it","start":1791.965,"end":1792.125,"confidence":0.98535156,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.31840240955352783},{"word":"doesn't","start":1792.125,"end":1792.365,"confidence":0.9995117,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.3204876482486725},{"word":"pay","start":1792.365,"end":1792.685,"confidence":0.9863281,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.23748557269573212},{"word":"any","start":1792.685,"end":1792.925,"confidence":0.93603516,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.19015350937843323},{"word":"income","start":1792.925,"end":1793.405,"confidence":0.90722656,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":-0.21144148707389832},{"word":"so","start":1793.405,"end":1793.5651,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.011642202734947205},{"word":"you","start":1793.5651,"end":1793.725,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.021519355475902557},{"word":"wanna","start":1793.725,"end":1794.045,"confidence":0.99609375,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.09829312562942503},{"word":"make","start":1794.045,"end":1794.205,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.037286996841430664},{"word":"sure","start":1794.205,"end":1794.4451,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.05941277742385864},{"word":"you're","start":1794.4451,"end":1794.605,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.11039590835571288},{"word":"getting","start":1794.605,"end":1794.925,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.08450046926736832},{"word":"some","start":1794.925,"end":1795.325,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.03141341358423233},{"word":"income","start":1795.325,"end":1795.825,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.06665296852588654},{"word":"investments","start":1795.885,"end":1796.385,"confidence":0.86083984,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.016001712530851364},{"word":"and","start":1797.165,"end":1797.325,"confidence":0.97998047,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.047547269612550735},{"word":"the","start":1797.325,"end":1797.5651,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0387507900595665},{"word":"benefit","start":1797.5651,"end":1798.0651,"confidence":0.26782227,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.07959239184856415},{"word":"yeah","start":1799.485,"end":1799.985,"confidence":0.90966797,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.08897767961025238},{"word":"yeah","start":1803.32,"end":1803.82,"confidence":0.7988281,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12064340710639954},{"word":"no","start":1808.36,"end":1808.6799,"confidence":0.98657227,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2271653711795807},{"word":"you","start":1808.6799,"end":1809.08,"confidence":0.9526367,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.2005094587802887},{"word":"you","start":1809.08,"end":1809.24,"confidence":0.5961914,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.15744063258171082},{"word":"have","start":1809.24,"end":1809.74,"confidence":0.6538086,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.08520615100860596},{"word":"asked","start":1809.7999,"end":1810.0399,"confidence":0.5629883,"punctuated_word":"asked","sentiment":"neutral","sentiment_score":-0.04072844237089157},{"word":"a","start":1810.0399,"end":1810.2,"confidence":0.8378906,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.052977316081523895},{"word":"really","start":1810.2,"end":1810.44,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.04715924710035324},{"word":"good","start":1810.44,"end":1810.6,"confidence":0.99902344,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.006844520568847656},{"word":"question","start":1810.6,"end":1811.08,"confidence":0.99902344,"punctuated_word":"question.","sentiment":"neutral","sentiment_score":-0.03027208521962166},{"word":"yeah","start":1811.08,"end":1811.32,"confidence":0.96118164,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03968939557671547},{"word":"it's","start":1811.32,"end":1811.48,"confidence":0.92700195,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.06579800695180893},{"word":"a","start":1811.48,"end":1811.6399,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07653385400772095},{"word":"really","start":1811.6399,"end":1811.96,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.08221238851547241},{"word":"great","start":1811.96,"end":1812.2,"confidence":0.9980469,"punctuated_word":"great","sentiment":"neutral","sentiment_score":0.20525085926055908},{"word":"question","start":1812.2,"end":1812.7,"confidence":0.9995117,"punctuated_word":"question.","sentiment":"neutral","sentiment_score":0.18284301459789276},{"word":"so","start":1813.0,"end":1813.32,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07075583934783936},{"word":"gold","start":1813.32,"end":1813.72,"confidence":0.96435547,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.09120868891477583},{"word":"essentially","start":1813.72,"end":1814.22,"confidence":0.8496094,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.07111245393753052},{"word":"goes","start":1814.2799,"end":1814.6,"confidence":0.9951172,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.07998953759670258},{"word":"on","start":1814.6,"end":1814.7599,"confidence":0.71728516,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08530552685260773},{"word":"the","start":1814.7599,"end":1814.84,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06976934522390366},{"word":"price","start":1814.84,"end":1815.1599,"confidence":0.9819336,"punctuated_word":"price","sentiment":"neutral","sentiment_score":0.00966491550207138},{"word":"of","start":1815.1599,"end":1815.32,"confidence":0.93847656,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.008724592626094818},{"word":"gold","start":1815.32,"end":1815.5599,"confidence":0.9025879,"punctuated_word":"gold,","sentiment":"neutral","sentiment_score":-0.005236674100160599},{"word":"and","start":1815.5599,"end":1815.72,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.024397358298301697},{"word":"we","start":1815.72,"end":1815.88,"confidence":0.9873047,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05511917173862457},{"word":"look","start":1815.88,"end":1816.12,"confidence":0.96875,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.0276605561375618},{"word":"at","start":1816.12,"end":1816.2799,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0206751748919487},{"word":"growth","start":1816.2799,"end":1816.755,"confidence":0.904541,"punctuated_word":"growth.","sentiment":"neutral","sentiment_score":0.04960431158542633},{"word":"so","start":1816.835,"end":1817.075,"confidence":0.9604492,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03857031092047691},{"word":"say","start":1817.075,"end":1817.235,"confidence":0.5546875,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.049384668469429016},{"word":"if","start":1817.235,"end":1817.475,"confidence":0.6875,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.04895547032356262},{"word":"you","start":1817.475,"end":1817.715,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.054720230400562286},{"word":"bought","start":1817.715,"end":1818.215,"confidence":0.99902344,"punctuated_word":"bought","sentiment":"neutral","sentiment_score":0.0346761979162693},{"word":"a","start":1818.675,"end":1819.175,"confidence":0.8359375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.032952599227428436},{"word":"a","start":1819.235,"end":1819.3151,"confidence":0.921875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02268910221755505},{"word":"couple","start":1819.3151,"end":1819.635,"confidence":0.99902344,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.017700061202049255},{"word":"of","start":1819.635,"end":1819.715,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.017417114228010178},{"word":"shares","start":1819.715,"end":1820.115,"confidence":1.0,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":-0.002380840480327606},{"word":"in","start":1820.115,"end":1820.355,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.015243981033563614},{"word":"gold","start":1820.355,"end":1820.755,"confidence":0.99902344,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.007846023887395859},{"word":"or","start":1820.755,"end":1821.155,"confidence":0.94091797,"punctuated_word":"or,","sentiment":"neutral","sentiment_score":0.009099934250116348},{"word":"you","start":1821.155,"end":1821.235,"confidence":0.9741211,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0017770230770111084},{"word":"know","start":1821.235,"end":1821.475,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.005897745490074158},{"word":"a","start":1821.475,"end":1821.555,"confidence":0.9604492,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02064911462366581},{"word":"bit","start":1821.555,"end":1821.795,"confidence":0.9921875,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.006138671189546585},{"word":"of","start":1821.795,"end":1821.875,"confidence":0.9902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0036433786153793335},{"word":"gold","start":1821.875,"end":1822.275,"confidence":1.0,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":-0.01501503586769104},{"word":"and","start":1822.275,"end":1822.435,"confidence":0.64697266,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01827630028128624},{"word":"you","start":1822.435,"end":1822.595,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01790136843919754},{"word":"paid","start":1822.595,"end":1822.915,"confidence":0.7324219,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.0001912228763103485},{"word":"$20","start":1822.915,"end":1823.735,"confidence":1.0,"punctuated_word":"$20","sentiment":"neutral","sentiment_score":0.029352154582738876},{"word":"per","start":1823.795,"end":1824.295,"confidence":0.99609375,"punctuated_word":"per","sentiment":"neutral","sentiment_score":-0.002657391130924225},{"word":"share","start":1824.515,"end":1824.835,"confidence":0.9980469,"punctuated_word":"share","sentiment":"neutral","sentiment_score":-0.00951337069272995},{"word":"in","start":1824.835,"end":1824.995,"confidence":0.9941406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01266440376639366},{"word":"the","start":1824.995,"end":1825.155,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.010584715753793716},{"word":"gold","start":1825.155,"end":1825.555,"confidence":1.0,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.0032508857548236847},{"word":"price","start":1825.555,"end":1826.055,"confidence":0.88720703,"punctuated_word":"price,","sentiment":"neutral","sentiment_score":0.01992986537516117},{"word":"and","start":1826.835,"end":1826.995,"confidence":0.77734375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03837275877594948},{"word":"the","start":1826.995,"end":1827.155,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05332481488585472},{"word":"next","start":1827.155,"end":1827.395,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.042171984910964966},{"word":"day","start":1827.395,"end":1827.555,"confidence":0.74487305,"punctuated_word":"day,","sentiment":"neutral","sentiment_score":0.04012569040060043},{"word":"it","start":1827.555,"end":1827.635,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04828785732388496},{"word":"went","start":1827.635,"end":1827.875,"confidence":1.0,"punctuated_word":"went","sentiment":"neutral","sentiment_score":0.0857439860701561},{"word":"up","start":1827.875,"end":1828.035,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.07886651158332825},{"word":"to","start":1828.035,"end":1828.195,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0631144717335701},{"word":"$50","start":1828.195,"end":1828.915,"confidence":0.9975586,"punctuated_word":"$50","sentiment":"neutral","sentiment_score":0.07750098407268524},{"word":"per","start":1828.915,"end":1829.155,"confidence":1.0,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.06448812782764435},{"word":"share","start":1829.155,"end":1829.655,"confidence":0.80322266,"punctuated_word":"share.","sentiment":"neutral","sentiment_score":0.0425742082297802},{"word":"that","start":1830.03,"end":1830.1901,"confidence":0.99902344,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.08828015625476837},{"word":"essentially","start":1830.1901,"end":1830.6901,"confidence":0.8144531,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.09516075253486632},{"word":"the","start":1830.91,"end":1831.15,"confidence":0.4921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08788980543613434},{"word":"difference","start":1831.15,"end":1831.55,"confidence":0.7050781,"punctuated_word":"difference,","sentiment":"neutral","sentiment_score":0.08268280327320099},{"word":"that","start":1831.55,"end":1831.79,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1137431338429451},{"word":"$30","start":1831.79,"end":1832.43,"confidence":0.99121094,"punctuated_word":"$30","sentiment":"neutral","sentiment_score":0.0995614379644394},{"word":"difference","start":1832.43,"end":1832.91,"confidence":1.0,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.02497026324272156},{"word":"is","start":1832.91,"end":1833.15,"confidence":0.7944336,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03953751176595688},{"word":"your","start":1833.15,"end":1833.39,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05277657508850098},{"word":"growth","start":1833.39,"end":1833.87,"confidence":0.7451172,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":0.06410443037748337},{"word":"and","start":1833.87,"end":1834.03,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06827840209007263},{"word":"that's","start":1834.03,"end":1834.3501,"confidence":0.9970703,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.08832892030477524},{"word":"what","start":1834.3501,"end":1834.67,"confidence":0.99316406,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06466850638389587},{"word":"gold","start":1834.67,"end":1834.91,"confidence":0.9902344,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.051528364419937134},{"word":"does","start":1834.91,"end":1835.31,"confidence":0.99658203,"punctuated_word":"does.","sentiment":"neutral","sentiment_score":0.06168622523546219},{"word":"it","start":1835.31,"end":1835.55,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.02535875141620636},{"word":"just","start":1835.55,"end":1835.9501,"confidence":0.99316406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03676638752222061},{"word":"grows","start":1835.9501,"end":1836.27,"confidence":0.9980469,"punctuated_word":"grows","sentiment":"neutral","sentiment_score":0.033203884959220886},{"word":"and","start":1836.27,"end":1836.5901,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.017902955412864685},{"word":"alters","start":1836.5901,"end":1836.91,"confidence":0.8803711,"punctuated_word":"alters","sentiment":"neutral","sentiment_score":0.015934191644191742},{"word":"in","start":1836.91,"end":1837.15,"confidence":0.99316406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0351257249712944},{"word":"value","start":1837.15,"end":1837.65,"confidence":0.9421387,"punctuated_word":"value.","sentiment":"neutral","sentiment_score":-0.006814040243625641},{"word":"so","start":1837.87,"end":1838.11,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04460505396127701},{"word":"the","start":1838.11,"end":1838.27,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04205440357327461},{"word":"difference","start":1838.27,"end":1838.67,"confidence":1.0,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.04183565080165863},{"word":"between","start":1838.67,"end":1839.0701,"confidence":1.0,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.04148437827825546},{"word":"your","start":1839.0701,"end":1839.4701,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04396982118487358},{"word":"buy","start":1839.4701,"end":1839.7101,"confidence":0.9580078,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.02281619608402252},{"word":"price","start":1839.7101,"end":1840.2101,"confidence":1.0,"punctuated_word":"price","sentiment":"neutral","sentiment_score":0.030192315578460693},{"word":"and","start":1840.27,"end":1840.67,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.017694339156150818},{"word":"the","start":1840.67,"end":1840.99,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.021401889622211456},{"word":"price","start":1840.99,"end":1841.31,"confidence":0.9921875,"punctuated_word":"price","sentiment":"neutral","sentiment_score":0.02033936232328415},{"word":"that","start":1841.31,"end":1841.55,"confidence":0.8310547,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03102058917284012},{"word":"is","start":1841.55,"end":1841.79,"confidence":0.98291016,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0340769998729229},{"word":"the","start":1841.79,"end":1842.03,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01731002703309059},{"word":"next","start":1842.03,"end":1842.3501,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.005715835839509964},{"word":"day","start":1842.3501,"end":1842.67,"confidence":0.99902344,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.004678923636674881},{"word":"or","start":1842.67,"end":1842.91,"confidence":0.99609375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.002197936177253723},{"word":"the","start":1842.91,"end":1843.15,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.019748680293560028},{"word":"next","start":1843.15,"end":1843.39,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.01845407113432884},{"word":"month","start":1843.39,"end":1843.875,"confidence":1.0,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.021441683173179623},{"word":"is","start":1844.035,"end":1844.195,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.029248859733343124},{"word":"what","start":1844.195,"end":1844.355,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.03004651516675949},{"word":"you","start":1844.355,"end":1844.595,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.035341642796993256},{"word":"could","start":1844.595,"end":1844.835,"confidence":0.9970703,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.019351273775100708},{"word":"sell","start":1844.835,"end":1845.075,"confidence":0.9892578,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.031740523874759674},{"word":"it","start":1845.075,"end":1845.235,"confidence":0.9580078,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.015597239136695862},{"word":"for","start":1845.235,"end":1845.555,"confidence":0.9157715,"punctuated_word":"for.","sentiment":"neutral","sentiment_score":0.032154373824596405},{"word":"correct","start":1845.555,"end":1846.055,"confidence":0.9206543,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.12949863076210022},{"word":"and","start":1846.595,"end":1846.835,"confidence":0.64404297,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11780636757612228},{"word":"that's","start":1846.835,"end":1847.075,"confidence":0.9880371,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1153876781463623},{"word":"essentially","start":1847.075,"end":1847.555,"confidence":0.9536133,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.10807141661643982},{"word":"the","start":1847.555,"end":1847.715,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08827819675207138},{"word":"growth","start":1847.715,"end":1848.115,"confidence":0.85253906,"punctuated_word":"growth,","sentiment":"neutral","sentiment_score":0.11259014904499054},{"word":"and","start":1848.115,"end":1848.275,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11828459054231644},{"word":"that's","start":1848.275,"end":1848.515,"confidence":0.9848633,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.13417509198188782},{"word":"all","start":1848.515,"end":1848.755,"confidence":0.5620117,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.11044245958328248},{"word":"gold","start":1848.755,"end":1849.075,"confidence":0.98095703,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.10147709399461746},{"word":"does","start":1849.075,"end":1849.395,"confidence":0.9851074,"punctuated_word":"does.","sentiment":"neutral","sentiment_score":0.08841502666473389},{"word":"it","start":1849.395,"end":1849.635,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.007316507399082184},{"word":"only","start":1849.635,"end":1849.875,"confidence":1.0,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.031178005039691925},{"word":"has","start":1849.875,"end":1850.355,"confidence":0.9970703,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.02138194814324379},{"word":"growth","start":1850.355,"end":1850.595,"confidence":0.9223633,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":-0.02977878600358963},{"word":"in","start":1850.595,"end":1850.835,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.054379671812057495},{"word":"it","start":1850.835,"end":1851.335,"confidence":0.75756836,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.03192422166466713},{"word":"whereas","start":1851.795,"end":1852.295,"confidence":0.9604492,"punctuated_word":"Whereas","sentiment":"neutral","sentiment_score":0.019428033381700516},{"word":"absolutely","start":1853.955,"end":1854.455,"confidence":0.99560547,"punctuated_word":"absolutely.","sentiment":"neutral","sentiment_score":0.2866411805152893},{"word":"so","start":1854.675,"end":1854.835,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12011146545410156},{"word":"your","start":1854.835,"end":1854.995,"confidence":0.9091797,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09680204093456268},{"word":"s","start":1854.995,"end":1855.235,"confidence":0.6591797,"punctuated_word":"S","sentiment":"neutral","sentiment_score":0.09185300767421722},{"word":"and","start":1855.235,"end":1855.395,"confidence":0.9370117,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08251827955245972},{"word":"p","start":1855.395,"end":1855.635,"confidence":0.9951172,"punctuated_word":"P","sentiment":"neutral","sentiment_score":0.09966851025819778},{"word":"500","start":1855.635,"end":1856.375,"confidence":0.9995117,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.13768699765205383},{"word":"and","start":1856.435,"end":1856.755,"confidence":0.8334961,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.07790841162204742},{"word":"say","start":1856.755,"end":1856.995,"confidence":0.9970703,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.12380246073007584},{"word":"your","start":1856.995,"end":1857.155,"confidence":0.9707031,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1434669941663742},{"word":"vanguard","start":1857.155,"end":1857.655,"confidence":0.9970703,"punctuated_word":"Vanguard","sentiment":"neutral","sentiment_score":0.0977250039577484},{"word":"fixed","start":1857.795,"end":1858.115,"confidence":0.9086914,"punctuated_word":"fixed","sentiment":"neutral","sentiment_score":0.099091574549675},{"word":"interest","start":1858.115,"end":1858.615,"confidence":0.9807129,"punctuated_word":"interest,","sentiment":"neutral","sentiment_score":0.0880131870508194},{"word":"those","start":1859.1799,"end":1859.5,"confidence":0.98828125,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.11277329176664352},{"word":"investments","start":1859.5,"end":1860.0,"confidence":0.9838867,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.052460312843322754},{"word":"pay","start":1860.2999,"end":1860.7999,"confidence":0.99902344,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.09786991775035858},{"word":"income","start":1860.94,"end":1861.44,"confidence":0.9421387,"punctuated_word":"income,","sentiment":"neutral","sentiment_score":0.1117306798696518},{"word":"which","start":1861.5,"end":1861.74,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.08807387948036194},{"word":"is","start":1861.74,"end":1861.9,"confidence":0.9970703,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0703672245144844},{"word":"like","start":1861.9,"end":1862.22,"confidence":0.6347656,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.09476327151060104},{"word":"dividends","start":1862.22,"end":1862.72,"confidence":0.80029297,"punctuated_word":"dividends.","sentiment":"neutral","sentiment_score":0.08765822649002075},{"word":"so","start":1863.1,"end":1863.6,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06405425071716309},{"word":"as","start":1863.82,"end":1864.0599,"confidence":0.8286133,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.046841103583574295},{"word":"an","start":1864.0599,"end":1864.22,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.06185207515954971},{"word":"example","start":1864.22,"end":1864.7,"confidence":0.9970703,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":0.05731479451060295},{"word":"if","start":1864.7,"end":1864.94,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06846538186073303},{"word":"you","start":1864.94,"end":1865.1,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05834370106458664},{"word":"held","start":1865.1,"end":1865.58,"confidence":0.9819336,"punctuated_word":"held","sentiment":"neutral","sentiment_score":0.050387173891067505},{"word":"bhp","start":1865.58,"end":1866.08,"confidence":0.9296875,"punctuated_word":"BHP","sentiment":"neutral","sentiment_score":0.05606716126203537},{"word":"or","start":1866.38,"end":1866.86,"confidence":0.9980469,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05309848487377167},{"word":"cba","start":1866.86,"end":1867.36,"confidence":0.84277344,"punctuated_word":"CBA","sentiment":"neutral","sentiment_score":0.05117035657167435},{"word":"shares","start":1867.5,"end":1868.0,"confidence":0.99316406,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.04704294726252556},{"word":"those","start":1868.7,"end":1869.02,"confidence":0.82470703,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.1105113923549652},{"word":"companies","start":1869.02,"end":1869.52,"confidence":0.9980469,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.09013435244560242},{"word":"earn","start":1869.66,"end":1869.98,"confidence":0.9873047,"punctuated_word":"earn","sentiment":"neutral","sentiment_score":0.10508699715137482},{"word":"income","start":1869.98,"end":1870.46,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.11904127895832062},{"word":"every","start":1870.46,"end":1870.78,"confidence":1.0,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.07718905061483383},{"word":"year","start":1870.78,"end":1871.26,"confidence":0.93237305,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.07826311141252518},{"word":"and","start":1871.26,"end":1871.76,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05903115123510361},{"word":"at","start":1871.82,"end":1871.98,"confidence":0.96435547,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04111570492386818},{"word":"the","start":1871.98,"end":1872.22,"confidence":0.8095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04001472517848015},{"word":"at","start":1872.38,"end":1872.62,"confidence":0.8984375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02234940603375435},{"word":"tax","start":1872.62,"end":1873.12,"confidence":0.99316406,"punctuated_word":"tax,","sentiment":"neutral","sentiment_score":0.01569836214184761},{"word":"yeah","start":1873.3151,"end":1873.635,"confidence":0.99658203,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.024383805692195892},{"word":"at","start":1873.635,"end":1873.875,"confidence":0.9941406,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.015909306704998016},{"word":"tax","start":1873.875,"end":1874.275,"confidence":1.0,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.029592156410217285},{"word":"time","start":1874.275,"end":1874.775,"confidence":0.97314453,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.021732382476329803},{"word":"those","start":1875.235,"end":1875.395,"confidence":0.99902344,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.02780223824083805},{"word":"companies","start":1875.395,"end":1875.895,"confidence":0.91748047,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.027138182893395424},{"word":"all","start":1876.115,"end":1876.275,"confidence":0.9482422,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.021578770130872726},{"word":"decide","start":1876.275,"end":1876.775,"confidence":0.99902344,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.03148191422224045},{"word":"how","start":1877.0751,"end":1877.3151,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.026347652077674866},{"word":"much","start":1877.3151,"end":1877.635,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.027297239750623703},{"word":"income","start":1877.635,"end":1878.115,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.047945789992809296},{"word":"to","start":1878.115,"end":1878.355,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.026989780366420742},{"word":"distribute","start":1878.355,"end":1878.855,"confidence":0.9980469,"punctuated_word":"distribute","sentiment":"neutral","sentiment_score":0.029655467718839645},{"word":"between","start":1878.915,"end":1879.3151,"confidence":0.99902344,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.02894946187734604},{"word":"their","start":1879.3151,"end":1879.635,"confidence":1.0,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.01966656930744648},{"word":"investors","start":1879.635,"end":1880.135,"confidence":0.99560547,"punctuated_word":"investors.","sentiment":"neutral","sentiment_score":0.01888764277100563},{"word":"their","start":1880.595,"end":1880.8351,"confidence":0.99316406,"punctuated_word":"Their","sentiment":"neutral","sentiment_score":0.029495155438780785},{"word":"investors","start":1880.8351,"end":1881.3151,"confidence":0.99902344,"punctuated_word":"investors","sentiment":"neutral","sentiment_score":0.04188064858317375},{"word":"are","start":1881.3151,"end":1881.555,"confidence":0.9873047,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.04656481742858887},{"word":"you","start":1881.555,"end":1881.7151,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.062900111079216},{"word":"guys","start":1881.7151,"end":1881.9551,"confidence":0.9970703,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.05890091508626938},{"word":"because","start":1881.9551,"end":1882.355,"confidence":0.7993164,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.038914427161216736},{"word":"you","start":1882.355,"end":1882.515,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.050851836800575256},{"word":"own","start":1882.515,"end":1882.755,"confidence":0.9301758,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.05533788353204727},{"word":"those","start":1882.755,"end":1883.0751,"confidence":0.99121094,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.03512025997042656},{"word":"companies","start":1883.0751,"end":1883.555,"confidence":0.9921875,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.02925357222557068},{"word":"through","start":1883.555,"end":1883.875,"confidence":0.9970703,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.027379777282476425},{"word":"super","start":1883.875,"end":1884.375,"confidence":0.7663574,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.03580237552523613},{"word":"it's","start":1887.1,"end":1887.34,"confidence":0.78271484,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.023901445791125298},{"word":"yeah","start":1887.58,"end":1887.8999,"confidence":0.98706055,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.025021936744451523},{"word":"it","start":1887.8999,"end":1888.0599,"confidence":0.99316406,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.007823153398931026},{"word":"gets","start":1888.0599,"end":1888.3799,"confidence":0.96875,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.024793008342385292},{"word":"paid","start":1888.3799,"end":1888.8799,"confidence":0.99902344,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.026443079113960263},{"word":"it","start":1889.4199,"end":1889.6599,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.028629975393414497},{"word":"goes","start":1889.6599,"end":1889.8999,"confidence":0.9951172,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.032109491527080536},{"word":"into","start":1889.8999,"end":1890.1399,"confidence":0.99121094,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.03128459304571152},{"word":"your","start":1890.1399,"end":1890.3799,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.021236218512058255},{"word":"cash","start":1890.3799,"end":1890.7799,"confidence":0.9238281,"punctuated_word":"cash.","sentiment":"neutral","sentiment_score":0.029546145349740986},{"word":"that's","start":1890.7799,"end":1891.0199,"confidence":0.99658203,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.09109316766262054},{"word":"right","start":1891.0199,"end":1891.34,"confidence":0.97753906,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.0929335206747055},{"word":"and","start":1891.34,"end":1891.4199,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06012577190995216},{"word":"then","start":1891.4199,"end":1891.6599,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.04651325196027756},{"word":"it","start":1891.6599,"end":1891.74,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05835576355457306},{"word":"gets","start":1891.74,"end":1892.1399,"confidence":0.99609375,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.05324912443757057},{"word":"reinvested","start":1892.1399,"end":1892.6399,"confidence":0.99853516,"punctuated_word":"reinvested","sentiment":"neutral","sentiment_score":0.06442239880561829},{"word":"back","start":1892.7799,"end":1892.94,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.09630200266838074},{"word":"into","start":1892.94,"end":1893.1799,"confidence":0.9980469,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.08053209632635117},{"word":"your","start":1893.1799,"end":1893.4199,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07289190590381622},{"word":"portfolio","start":1893.4199,"end":1893.9199,"confidence":0.9970703,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.07106474786996841},{"word":"yeah","start":1894.3799,"end":1894.8799,"confidence":0.9875488,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1016288623213768},{"word":"does","start":1895.8999,"end":1896.1399,"confidence":0.97314453,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.034489020705223083},{"word":"that","start":1896.1399,"end":1896.3799,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05318845063447952},{"word":"make","start":1896.3799,"end":1896.62,"confidence":0.9326172,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.045491233468055725},{"word":"sense","start":1896.62,"end":1897.12,"confidence":0.9995117,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.04323422908782959},{"word":"correct","start":1902.005,"end":1902.505,"confidence":0.99365234,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.03349921479821205},{"word":"yeah","start":1906.165,"end":1906.645,"confidence":0.95996094,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.058051757514476776},{"word":"correct","start":1906.645,"end":1907.145,"confidence":0.9980469,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.0734977200627327},{"word":"yep","start":1907.285,"end":1907.785,"confidence":0.9663086,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08579832315444946},{"word":"yep","start":1908.245,"end":1908.5651,"confidence":0.94750977,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09009025990962982},{"word":"so","start":1908.5651,"end":1909.045,"confidence":0.8769531,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08233676105737686},{"word":"you're","start":1909.045,"end":1909.285,"confidence":0.9321289,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.16501526534557345},{"word":"getting","start":1909.285,"end":1909.785,"confidence":0.9589844,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.21119675040245056},{"word":"benefits","start":1909.8451,"end":1910.3251,"confidence":0.9580078,"punctuated_word":"benefits","sentiment":"neutral","sentiment_score":0.22885604202747345},{"word":"on","start":1910.3251,"end":1910.485,"confidence":0.98828125,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.19190065562725067},{"word":"two","start":1910.485,"end":1910.7251,"confidence":0.97998047,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.20634309947490692},{"word":"fronts","start":1910.7251,"end":1911.045,"confidence":0.94384766,"punctuated_word":"fronts.","sentiment":"neutral","sentiment_score":0.19818413257598877},{"word":"you","start":1911.045,"end":1911.2051,"confidence":0.9370117,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.14536577463150024},{"word":"want","start":1911.2051,"end":1911.4451,"confidence":0.98535156,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.1635224223136902},{"word":"growth","start":1911.4451,"end":1911.765,"confidence":0.9550781,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.28600838780403137},{"word":"and","start":1911.765,"end":1912.005,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20828507840633392},{"word":"income","start":1912.005,"end":1912.505,"confidence":0.9484863,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":0.2056417018175125},{"word":"yeah","start":1912.7251,"end":1913.2251,"confidence":0.935791,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1193426549434662},{"word":"yeah","start":1914.9401,"end":1915.4401,"confidence":0.9797363,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06759233772754669},{"word":"definitely","start":1915.5,"end":1916.0,"confidence":0.6281738,"punctuated_word":"Definitely.","sentiment":"neutral","sentiment_score":0.08074270933866501},{"word":"yeah","start":1919.02,"end":1919.52,"confidence":0.76660156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0382826067507267},{"word":"nine","start":1921.74,"end":1922.24,"confidence":0.8901367,"punctuated_word":"Nine.","sentiment":"neutral","sentiment_score":0.02739553712308407},{"word":"yeah","start":1932.3351,"end":1932.8351,"confidence":0.96362305,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.010550808161497116},{"word":"wow","start":1946.23,"end":1946.73,"confidence":0.79296875,"punctuated_word":"Wow.","sentiment":"positive","sentiment_score":0.3485317826271057},{"word":"that's","start":1946.79,"end":1947.11,"confidence":0.9980469,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.4264214038848877},{"word":"fantastic","start":1947.11,"end":1947.61,"confidence":1.0,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.4770117104053498},{"word":"yeah","start":1956.865,"end":1957.105,"confidence":0.7609863,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03788513317704201},{"word":"i","start":1957.105,"end":1957.265,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.021326325833797455},{"word":"mean","start":1957.265,"end":1957.665,"confidence":0.99560547,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.016975199803709984},{"word":"hold","start":1957.665,"end":1957.905,"confidence":0.8676758,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.019752122461795807},{"word":"on","start":1957.905,"end":1958.145,"confidence":0.89453125,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03213523328304291},{"word":"to","start":1958.145,"end":1958.3049,"confidence":0.9921875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03321040794253349},{"word":"that","start":1958.3049,"end":1958.545,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0419636070728302},{"word":"because","start":1958.545,"end":1958.865,"confidence":0.74365234,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.024638399481773376},{"word":"gold's","start":1958.865,"end":1959.265,"confidence":0.545166,"punctuated_word":"gold's","sentiment":"neutral","sentiment_score":0.06986462324857712},{"word":"gone","start":1959.265,"end":1959.4249,"confidence":0.57714844,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.109807550907135},{"word":"up","start":1959.4249,"end":1959.665,"confidence":0.9902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.10533179342746736},{"word":"by","start":1959.665,"end":1959.825,"confidence":0.8286133,"punctuated_word":"by,","sentiment":"neutral","sentiment_score":0.04664476215839386},{"word":"what","start":1959.825,"end":1960.065,"confidence":0.98339844,"punctuated_word":"what,","sentiment":"neutral","sentiment_score":0.029275992885231972},{"word":"30","start":1960.065,"end":1960.385,"confidence":0.90283203,"punctuated_word":"30","sentiment":"neutral","sentiment_score":0.04466945677995682},{"word":"or","start":1960.385,"end":1960.625,"confidence":0.9941406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.03962866589426994},{"word":"40%","start":1960.625,"end":1961.265,"confidence":0.9980469,"punctuated_word":"40%","sentiment":"neutral","sentiment_score":0.07981231808662415},{"word":"over","start":1961.265,"end":1961.505,"confidence":0.9614258,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.04094754531979561},{"word":"the","start":1961.505,"end":1961.585,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.014947235584259031},{"word":"past","start":1961.585,"end":1961.825,"confidence":0.99902344,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.0008049830794334412},{"word":"couple","start":1961.825,"end":1962.145,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.009505252353847029},{"word":"of","start":1962.145,"end":1962.225,"confidence":0.9741211,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.006993255577981472},{"word":"years","start":1962.225,"end":1962.545,"confidence":0.80981445,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.004449046682566404},{"word":"if","start":1962.545,"end":1962.705,"confidence":0.9892578,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.009893402457237244},{"word":"it","start":1962.705,"end":1962.865,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.011254103854298592},{"word":"continues","start":1962.865,"end":1963.365,"confidence":0.9560547,"punctuated_word":"continues,","sentiment":"neutral","sentiment_score":0.028697354719042775},{"word":"wow","start":1963.745,"end":1964.245,"confidence":0.9863281,"punctuated_word":"wow.","sentiment":"neutral","sentiment_score":0.16880404949188232},{"word":"yeah","start":1974.9601,"end":1975.36,"confidence":0.7873535,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.023892061784863472},{"word":"yeah","start":1975.36,"end":1975.86,"confidence":0.9838867,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.023856593295931816},{"word":"yeah","start":1981.12,"end":1981.62,"confidence":0.9812012,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1241498962044716},{"word":"yeah","start":1982.24,"end":1982.74,"confidence":0.84765625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.031262271106243134},{"word":"yeah","start":1989.295,"end":1989.775,"confidence":0.9279785,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.010893141850829124},{"word":"wow","start":1989.775,"end":1990.275,"confidence":0.8503418,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":0.0273056048899889},{"word":"yeah","start":1991.375,"end":1991.875,"confidence":0.7312012,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.029215455055236816},{"word":"wow","start":1991.935,"end":1992.435,"confidence":0.984375,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":0.0383361354470253},{"word":"yep","start":1997.135,"end":1997.635,"confidence":0.98583984,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.007633663713932037},{"word":"abs","start":2004.34,"end":2004.58,"confidence":0.4645996,"punctuated_word":"Abs","sentiment":"neutral","sentiment_score":-0.030825641006231308},{"word":"absolutely","start":2005.0599,"end":2005.5599,"confidence":0.99365234,"punctuated_word":"absolutely.","sentiment":"neutral","sentiment_score":-0.002547597512602806},{"word":"yeah","start":2006.34,"end":2006.84,"confidence":0.9592285,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0315680168569088},{"word":"yep","start":2008.9,"end":2009.4,"confidence":0.7697754,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.05438529700040817},{"word":"yeah","start":2013.005,"end":2013.485,"confidence":0.95947266,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.010142181068658829},{"word":"yeah","start":2013.485,"end":2013.985,"confidence":0.9904785,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.003653539344668389},{"word":"absolutely","start":2015.965,"end":2016.465,"confidence":0.7915039,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.0936635285615921},{"word":"yeah","start":2016.845,"end":2017.345,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02154608815908432},{"word":"no","start":2017.565,"end":2017.885,"confidence":0.9484863,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.04651308059692383},{"word":"that's","start":2017.885,"end":2018.125,"confidence":0.9980469,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.00221218541264534},{"word":"exactly","start":2018.125,"end":2018.605,"confidence":0.9921875,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":0.16715899109840393},{"word":"whenever","start":2018.605,"end":2019.085,"confidence":0.37158203,"punctuated_word":"whenever","sentiment":"neutral","sentiment_score":0.033312760293483734},{"word":"yeah","start":2019.885,"end":2020.205,"confidence":0.9182129,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.07309352606534958},{"word":"sorry","start":2020.205,"end":2020.705,"confidence":0.9980469,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.1645810306072235},{"word":"yep","start":2024.2849,"end":2024.7849,"confidence":0.73657227,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.08582394570112228},{"word":"oh","start":2026.4601,"end":2026.86,"confidence":0.795166,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.3322044014930725},{"word":"absolutely","start":2026.86,"end":2027.36,"confidence":0.99609375,"punctuated_word":"absolutely.","sentiment":"neutral","sentiment_score":0.2783076763153076},{"word":"absolutely","start":2027.74,"end":2028.24,"confidence":0.98217773,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.288968026638031},{"word":"no","start":2028.4601,"end":2028.7001,"confidence":0.60302734,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.25707659125328064},{"word":"that's","start":2028.7001,"end":2029.02,"confidence":0.9970703,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.6687819361686707},{"word":"fantastic","start":2029.02,"end":2029.52,"confidence":0.9995117,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.583195686340332},{"word":"i","start":2029.74,"end":2029.9,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.32566404342651367},{"word":"mean","start":2029.9,"end":2030.14,"confidence":0.9946289,"punctuated_word":"mean,","sentiment":"positive","sentiment_score":0.3741944134235382},{"word":"my","start":2030.14,"end":2030.3,"confidence":0.99902344,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.47137871384620667},{"word":"kids","start":2030.3,"end":2030.54,"confidence":0.98828125,"punctuated_word":"kids","sentiment":"positive","sentiment_score":0.5115432739257812},{"word":"have","start":2030.54,"end":2030.78,"confidence":0.90771484,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.45063745975494385},{"word":"started","start":2030.78,"end":2031.18,"confidence":0.9980469,"punctuated_word":"started","sentiment":"neutral","sentiment_score":0.2810785174369812},{"word":"investing","start":2031.18,"end":2031.66,"confidence":0.99902344,"punctuated_word":"investing","sentiment":"neutral","sentiment_score":0.31491947174072266},{"word":"in","start":2031.66,"end":2031.74,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.32134097814559937},{"word":"there","start":2031.74,"end":2032.06,"confidence":0.9382324,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.3697246313095093},{"word":"i","start":2032.06,"end":2032.14,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17318736016750336},{"word":"mean","start":2032.14,"end":2032.38,"confidence":0.99853516,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.20596331357955933},{"word":"i've","start":2032.38,"end":2032.54,"confidence":0.99902344,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.26177269220352173},{"word":"had","start":2032.54,"end":2032.9401,"confidence":0.9980469,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.26072779297828674},{"word":"a","start":2032.9401,"end":2033.1,"confidence":0.38427734,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2670319974422455},{"word":"little","start":2033.1,"end":2033.42,"confidence":0.96777344,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.20833483338356015},{"word":"investments","start":2033.42,"end":2033.9,"confidence":0.6635742,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.14463971555233002},{"word":"outside","start":2033.9,"end":2034.3,"confidence":0.9790039,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.2313570976257324},{"word":"of","start":2034.3,"end":2034.4601,"confidence":0.9160156,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.26975777745246887},{"word":"super","start":2034.4601,"end":2034.78,"confidence":0.18481445,"punctuated_word":"Super","sentiment":"positive","sentiment_score":0.35830262303352356},{"word":"for","start":2034.78,"end":2034.9401,"confidence":0.734375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.29356077313423157},{"word":"my","start":2034.9401,"end":2035.1,"confidence":0.9902344,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.3890988230705261},{"word":"kids","start":2035.1,"end":2035.42,"confidence":0.99609375,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":0.31690436601638794},{"word":"for","start":2035.42,"end":2035.5801,"confidence":0.9921875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.21547232568264008},{"word":"the","start":2035.5801,"end":2035.74,"confidence":0.8857422,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26378631591796875},{"word":"past","start":2035.74,"end":2035.98,"confidence":0.99902344,"punctuated_word":"past","sentiment":"neutral","sentiment_score":0.1970694214105606},{"word":"couple","start":2035.98,"end":2036.3,"confidence":1.0,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.1520501673221588},{"word":"of","start":2036.3,"end":2036.38,"confidence":0.9902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22040009498596191},{"word":"years","start":2036.38,"end":2036.88,"confidence":0.82788086,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.1902148425579071},{"word":"but","start":2036.9401,"end":2037.1,"confidence":0.56933594,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.11836116015911102},{"word":"they've","start":2037.1,"end":2037.3401,"confidence":0.91137695,"punctuated_word":"they've","sentiment":"neutral","sentiment_score":0.1809633821249008},{"word":"started","start":2037.3401,"end":2037.74,"confidence":0.99316406,"punctuated_word":"started","sentiment":"neutral","sentiment_score":0.20535573363304135},{"word":"putting","start":2037.74,"end":2037.98,"confidence":1.0,"punctuated_word":"putting","sentiment":"positive","sentiment_score":0.3510560989379883},{"word":"their","start":2037.98,"end":2038.14,"confidence":0.99316406,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.29091987013816833},{"word":"own","start":2038.14,"end":2038.38,"confidence":0.99902344,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.2301073670387268},{"word":"money","start":2038.38,"end":2038.7001,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.24801266193389893},{"word":"in","start":2038.7001,"end":2038.78,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2390112280845642},{"word":"there","start":2038.78,"end":2039.02,"confidence":0.7927246,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.012715620920062063},{"word":"and","start":2039.02,"end":2039.385,"confidence":0.9951172,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.38711145520210266},{"word":"they've","start":2039.465,"end":2039.625,"confidence":0.9926758,"punctuated_word":"they've","sentiment":"positive","sentiment_score":0.604780375957489},{"word":"got","start":2039.625,"end":2039.7051,"confidence":0.9951172,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.6647713780403137},{"word":"a","start":2039.7051,"end":2039.785,"confidence":0.99609375,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6724432706832886},{"word":"bit","start":2039.785,"end":2039.865,"confidence":0.9970703,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.5697415471076965},{"word":"of","start":2039.865,"end":2040.025,"confidence":0.98535156,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.7644774317741394},{"word":"gold","start":2040.025,"end":2040.425,"confidence":0.96655273,"punctuated_word":"gold,","sentiment":"positive","sentiment_score":0.6569173336029053},{"word":"a","start":2040.425,"end":2040.505,"confidence":0.9941406,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6879220008850098},{"word":"bit","start":2040.505,"end":2040.665,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.4883730709552765},{"word":"of","start":2040.665,"end":2040.825,"confidence":0.9213867,"punctuated_word":"of,","sentiment":"positive","sentiment_score":0.5105977058410645},{"word":"you","start":2040.825,"end":2040.905,"confidence":0.99609375,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4196944832801819},{"word":"know","start":2040.905,"end":2041.0651,"confidence":0.98999023,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.4539071321487427},{"word":"the","start":2041.0651,"end":2041.225,"confidence":0.99316406,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6539016962051392},{"word":"s","start":2041.225,"end":2041.385,"confidence":0.5805664,"punctuated_word":"S","sentiment":"positive","sentiment_score":0.5161133408546448},{"word":"and","start":2041.385,"end":2041.465,"confidence":0.8935547,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5049973130226135},{"word":"p","start":2041.465,"end":2041.705,"confidence":0.99902344,"punctuated_word":"P","sentiment":"positive","sentiment_score":0.4417501986026764},{"word":"500","start":2041.705,"end":2042.265,"confidence":0.9786377,"punctuated_word":"500,","sentiment":"positive","sentiment_score":0.5420657396316528},{"word":"a","start":2042.265,"end":2042.425,"confidence":0.98291016,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6200861930847168},{"word":"bit","start":2042.425,"end":2042.585,"confidence":0.6743164,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.5085084438323975},{"word":"of","start":2042.585,"end":2042.745,"confidence":0.8154297,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.6984594464302063},{"word":"little","start":2042.745,"end":2042.985,"confidence":0.5498047,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.5784161686897278},{"word":"bits","start":2042.985,"end":2043.225,"confidence":0.52246094,"punctuated_word":"bits","sentiment":"positive","sentiment_score":0.6566697359085083},{"word":"of","start":2043.225,"end":2043.385,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.7233143448829651},{"word":"everything","start":2043.385,"end":2043.865,"confidence":0.99902344,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.7377287745475769},{"word":"here","start":2043.865,"end":2044.025,"confidence":0.9067383,"punctuated_word":"here,","sentiment":"positive","sentiment_score":0.6187670826911926},{"word":"and","start":2044.025,"end":2044.185,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6270711421966553},{"word":"they're","start":2044.185,"end":2044.425,"confidence":0.9975586,"punctuated_word":"they're","sentiment":"positive","sentiment_score":0.7762925624847412},{"word":"building","start":2044.425,"end":2044.745,"confidence":1.0,"punctuated_word":"building","sentiment":"positive","sentiment_score":0.8051040768623352},{"word":"that","start":2044.745,"end":2044.985,"confidence":0.99902344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.7841154932975769},{"word":"up","start":2044.985,"end":2045.145,"confidence":0.9711914,"punctuated_word":"up.","sentiment":"positive","sentiment_score":0.6646466255187988},{"word":"and","start":2045.145,"end":2045.305,"confidence":0.98535156,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.7109044194221497},{"word":"it's","start":2045.305,"end":2045.465,"confidence":1.0,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.8105807304382324},{"word":"really","start":2045.465,"end":2045.705,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.8143852353096008},{"word":"cool","start":2045.705,"end":2045.9451,"confidence":0.99609375,"punctuated_word":"cool","sentiment":"positive","sentiment_score":0.8126981854438782},{"word":"to","start":2045.9451,"end":2046.185,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.8346978425979614},{"word":"kinda","start":2046.185,"end":2046.425,"confidence":0.94628906,"punctuated_word":"kinda","sentiment":"positive","sentiment_score":0.8495981693267822},{"word":"see","start":2046.425,"end":2046.925,"confidence":0.99902344,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.902840793132782},{"word":"things","start":2047.225,"end":2047.705,"confidence":0.99902344,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.8578261137008667},{"word":"grow","start":2047.705,"end":2048.105,"confidence":0.9980469,"punctuated_word":"grow","sentiment":"positive","sentiment_score":0.8732242584228516},{"word":"and","start":2048.105,"end":2048.345,"confidence":0.9902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.8486908674240112},{"word":"build","start":2048.345,"end":2048.745,"confidence":0.9980469,"punctuated_word":"build","sentiment":"positive","sentiment_score":0.8543562293052673},{"word":"and","start":2048.745,"end":2049.065,"confidence":0.6447754,"punctuated_word":"and,","sentiment":"positive","sentiment_score":0.6470003724098206},{"word":"you","start":2049.065,"end":2049.145,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6928638815879822},{"word":"know","start":2049.145,"end":2049.465,"confidence":0.967041,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.6442148089408875},{"word":"it's","start":2049.465,"end":2049.785,"confidence":0.9980469,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.6650196313858032},{"word":"really","start":2049.785,"end":2050.025,"confidence":0.99902344,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.6158100962638855},{"word":"fun","start":2050.025,"end":2050.345,"confidence":0.9995117,"punctuated_word":"fun.","sentiment":"positive","sentiment_score":0.5715903043746948},{"word":"it's","start":2050.345,"end":2050.665,"confidence":0.99658203,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.03243084251880646},{"word":"it's","start":2050.665,"end":2050.825,"confidence":0.98291016,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.00838120374828577},{"word":"not","start":2050.825,"end":2051.065,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.0015167687088251114},{"word":"great","start":2051.065,"end":2051.305,"confidence":0.95947266,"punctuated_word":"great","sentiment":"neutral","sentiment_score":0.004863567650318146},{"word":"when","start":2051.305,"end":2051.465,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.008246704936027527},{"word":"it","start":2051.465,"end":2051.625,"confidence":0.9863281,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.062043383717536926},{"word":"all","start":2051.625,"end":2051.785,"confidence":0.9970703,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1606026142835617},{"word":"goes","start":2051.785,"end":2052.105,"confidence":0.9873047,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.18775887787342072},{"word":"red","start":2052.105,"end":2052.425,"confidence":0.77978516,"punctuated_word":"red.","sentiment":"neutral","sentiment_score":0.04746406525373459},{"word":"but","start":2052.425,"end":2052.925,"confidence":0.83935547,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.02758229710161686},{"word":"yeah","start":2057.75,"end":2058.25,"confidence":0.84643555,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.015562240034341812},{"word":"yeah","start":2061.9102,"end":2062.4102,"confidence":0.751709,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05927875265479088},{"word":"yeah","start":2071.1848,"end":2071.6848,"confidence":0.9453125,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.023509010672569275},{"word":"yeah","start":2081.345,"end":2081.845,"confidence":0.82128906,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02544562891125679},{"word":"yeah","start":2083.76,"end":2083.8398,"confidence":0.99658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05067260563373566},{"word":"yeah","start":2083.8398,"end":2084.3398,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.019958162680268288},{"word":"yeah","start":2085.5999,"end":2086.0999,"confidence":0.7636719,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0015987232327461245},{"word":"let","start":2086.16,"end":2086.48,"confidence":0.9370117,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":0.01368682086467743},{"word":"it","start":2086.48,"end":2086.72,"confidence":0.49853516,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0245831161737442},{"word":"let","start":2086.72,"end":2087.04,"confidence":0.92089844,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.03708987683057785},{"word":"it","start":2087.04,"end":2087.1199,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.030932482331991196},{"word":"have","start":2087.1199,"end":2087.28,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03614606335759163},{"word":"that","start":2087.28,"end":2087.5999,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03685826808214187},{"word":"first","start":2087.5999,"end":2088.0,"confidence":0.9902344,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.029660873115062714},{"word":"and","start":2088.0,"end":2088.32,"confidence":0.72265625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.030179575085639954},{"word":"then","start":2088.32,"end":2088.56,"confidence":0.99609375,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.041803523898124695},{"word":"see","start":2088.56,"end":2088.8,"confidence":0.9760742,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.010818175971508026},{"word":"what","start":2088.8,"end":2089.1199,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.01500719040632248},{"word":"happens","start":2089.1199,"end":2089.5999,"confidence":0.73046875,"punctuated_word":"happens.","sentiment":"neutral","sentiment_score":0.011908026412129402},{"word":"and","start":2089.5999,"end":2089.8398,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.029922425746917725},{"word":"yeah","start":2089.92,"end":2090.24,"confidence":0.99853516,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.02770944312214851},{"word":"look","start":2090.24,"end":2090.4,"confidence":0.7919922,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":0.03598587214946747},{"word":"if","start":2090.4,"end":2090.56,"confidence":0.98828125,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.19267646968364716},{"word":"any","start":2090.56,"end":2090.72,"confidence":0.9941406,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.21361446380615232},{"word":"of","start":2090.72,"end":2090.8,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15263579785823822},{"word":"them","start":2090.8,"end":2091.04,"confidence":0.99902344,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.13563784956932068},{"word":"wanna","start":2091.04,"end":2091.3599,"confidence":0.98535156,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.2280157655477524},{"word":"have","start":2091.3599,"end":2091.52,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2502667009830475},{"word":"a","start":2091.52,"end":2091.5999,"confidence":0.9536133,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21800163388252256},{"word":"chat","start":2091.5999,"end":2091.8398,"confidence":0.99609375,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":0.22958773374557495},{"word":"to","start":2091.8398,"end":2091.92,"confidence":0.8154297,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24380414187908173},{"word":"me","start":2091.92,"end":2092.16,"confidence":0.95410156,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.24809347093105316},{"word":"more","start":2092.16,"end":2092.4,"confidence":0.83251953,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.3882333040237427},{"word":"than","start":2092.4,"end":2092.56,"confidence":1.0,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.40895864367485046},{"word":"happy","start":2092.56,"end":2092.88,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.4113255143165589},{"word":"for","start":2092.88,"end":2093.04,"confidence":0.9970703,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.35375893115997314},{"word":"them","start":2093.04,"end":2093.28,"confidence":1.0,"punctuated_word":"them","sentiment":"positive","sentiment_score":0.33395084738731384},{"word":"to","start":2093.28,"end":2093.44,"confidence":0.9941406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.33054405450820923},{"word":"reach","start":2093.44,"end":2093.76,"confidence":0.99902344,"punctuated_word":"reach","sentiment":"positive","sentiment_score":0.3376319110393524},{"word":"out","start":2093.76,"end":2094.0,"confidence":0.9970703,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.3024802505970001},{"word":"or","start":2094.0,"end":2094.32,"confidence":0.9589844,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.2876163423061371},{"word":"for","start":2094.32,"end":2094.82,"confidence":0.9892578,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2772180140018463},{"word":"us","start":2094.96,"end":2095.1199,"confidence":0.9560547,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.22744283080101013},{"word":"to","start":2095.1199,"end":2095.28,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2394239455461502},{"word":"reach","start":2095.28,"end":2095.52,"confidence":0.9838867,"punctuated_word":"reach","sentiment":"neutral","sentiment_score":0.20734861493110657},{"word":"out","start":2095.52,"end":2095.76,"confidence":0.99121094,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.2600511908531189},{"word":"to","start":2095.76,"end":2095.8398,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3104020357131958},{"word":"them","start":2095.8398,"end":2096.3398,"confidence":0.9980469,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.2810831665992737},{"word":"even","start":2096.4,"end":2096.64,"confidence":0.38964844,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.12468621879816057},{"word":"if","start":2096.64,"end":2096.8,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1433103382587433},{"word":"it's","start":2096.8,"end":2097.04,"confidence":0.9817708,"punctuated_word":"it's,","sentiment":"neutral","sentiment_score":0.12093867361545564},{"word":"you","start":2097.04,"end":2097.2,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11519549041986464},{"word":"know","start":2097.2,"end":2097.3599,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.13959358632564545},{"word":"not","start":2097.3599,"end":2097.5999,"confidence":0.984375,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.17063415050506592},{"word":"advice","start":2097.5999,"end":2098.0798,"confidence":0.9199219,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.05616556853055954},{"word":"needed","start":2098.0798,"end":2098.4,"confidence":0.8964844,"punctuated_word":"needed.","sentiment":"neutral","sentiment_score":0.11481659859418868},{"word":"they","start":2098.4,"end":2098.48,"confidence":0.9819336,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.17125430703163147},{"word":"just","start":2098.48,"end":2098.785,"confidence":0.9863281,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14465345442295074},{"word":"want","start":2098.865,"end":2099.025,"confidence":0.78564453,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.16098812222480774},{"word":"some","start":2099.025,"end":2099.1848,"confidence":0.98828125,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.11586584895849228},{"word":"information","start":2099.1848,"end":2099.6848,"confidence":0.9980469,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.1888027787208557},{"word":"or","start":2099.905,"end":2100.2249,"confidence":0.9345703,"punctuated_word":"or,","sentiment":"neutral","sentiment_score":0.1674865037202835},{"word":"you","start":2100.2249,"end":2100.305,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10497674345970154},{"word":"know","start":2100.305,"end":2100.805,"confidence":0.99609375,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.1011732816696167},{"word":"ask","start":2101.265,"end":2101.4248,"confidence":0.56396484,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.3308083713054657},{"word":"to","start":2101.4248,"end":2101.505,"confidence":0.8720703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.28275981545448303},{"word":"do","start":2101.505,"end":2101.6648,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2881365120410919},{"word":"a","start":2101.6648,"end":2101.7449,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3520483374595642},{"word":"bit","start":2101.7449,"end":2101.905,"confidence":0.9951172,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.3187682032585144},{"word":"of","start":2101.905,"end":2101.9849,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3006720542907715},{"word":"work","start":2101.9849,"end":2102.2249,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.32339805364608765},{"word":"and","start":2102.2249,"end":2102.625,"confidence":0.9863281,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.350816547870636},{"word":"give","start":2102.625,"end":2102.785,"confidence":0.98095703,"punctuated_word":"give","sentiment":"positive","sentiment_score":0.3701338768005371},{"word":"them","start":2102.785,"end":2102.9448,"confidence":0.9633789,"punctuated_word":"them","sentiment":"positive","sentiment_score":0.4288600087165833},{"word":"some","start":2102.9448,"end":2103.105,"confidence":0.99902344,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.33794766664505005},{"word":"free","start":2103.105,"end":2103.345,"confidence":0.9951172,"punctuated_word":"free","sentiment":"positive","sentiment_score":0.444936066865921},{"word":"advice","start":2103.345,"end":2103.6648,"confidence":0.74853516,"punctuated_word":"advice.","sentiment":"positive","sentiment_score":0.347444087266922},{"word":"i'm","start":2103.6648,"end":2103.905,"confidence":0.97314453,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.6956132650375366},{"word":"absolutely","start":2103.905,"end":2104.385,"confidence":0.98291016,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.7185217142105103},{"word":"happy","start":2104.385,"end":2104.7048,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.714935839176178},{"word":"to","start":2104.7048,"end":2104.785,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.7330217957496643},{"word":"do","start":2104.785,"end":2105.025,"confidence":1.0,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.7689744234085083},{"word":"that","start":2105.025,"end":2105.345,"confidence":1.0,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.6936064958572388},{"word":"i","start":2105.345,"end":2105.505,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5933078527450562},{"word":"just","start":2105.505,"end":2105.625,"confidence":0.99902344,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.6019646525382996},{"word":"i","start":2105.7449,"end":2105.905,"confidence":1.0,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.6843785047531128},{"word":"love","start":2105.905,"end":2106.145,"confidence":0.99902344,"punctuated_word":"love","sentiment":"positive","sentiment_score":0.7562255859375},{"word":"working","start":2106.145,"end":2106.4648,"confidence":1.0,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.787736713886261},{"word":"with","start":2106.4648,"end":2106.625,"confidence":0.9980469,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.8288267850875854},{"word":"people","start":2106.625,"end":2106.9448,"confidence":0.90527344,"punctuated_word":"people,","sentiment":"positive","sentiment_score":0.734959602355957},{"word":"and","start":2106.9448,"end":2107.265,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6638418436050415},{"word":"i","start":2107.265,"end":2107.4248,"confidence":0.99902344,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.6733748912811279},{"word":"wanna","start":2107.4248,"end":2107.7449,"confidence":0.9970703,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.7444082498550415},{"word":"make","start":2107.7449,"end":2107.9849,"confidence":0.99902344,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.712481677532196},{"word":"everyone's","start":2107.9849,"end":2108.4648,"confidence":0.99853516,"punctuated_word":"everyone's","sentiment":"positive","sentiment_score":0.7441985607147217},{"word":"world","start":2108.4648,"end":2108.785,"confidence":0.9428711,"punctuated_word":"world","sentiment":"positive","sentiment_score":0.6860964298248291},{"word":"better","start":2108.785,"end":2109.1848,"confidence":0.8977051,"punctuated_word":"better.","sentiment":"positive","sentiment_score":0.6156042814254761},{"word":"so","start":2109.1848,"end":2109.6848,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15539950132369995},{"word":"everyone's","start":2110.065,"end":2110.545,"confidence":0.9526367,"punctuated_word":"everyone's","sentiment":"neutral","sentiment_score":0.211297869682312},{"word":"worked","start":2110.545,"end":2110.865,"confidence":0.96972656,"punctuated_word":"worked","sentiment":"neutral","sentiment_score":0.07797141373157501},{"word":"so","start":2110.865,"end":2111.105,"confidence":0.99121094,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.039303332567214966},{"word":"hard","start":2111.105,"end":2111.605,"confidence":0.99853516,"punctuated_word":"hard.","sentiment":"neutral","sentiment_score":0.04334432631731033},{"word":"yeah","start":2124.97,"end":2125.21,"confidence":0.9680176,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05096989497542381},{"word":"yeah","start":2125.21,"end":2125.71,"confidence":0.9797363,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.08703875541687012},{"word":"yeah","start":2129.355,"end":2129.855,"confidence":0.9741211,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.026900552213191983},{"word":"yeah","start":2136.635,"end":2137.135,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.11093582212924956},{"word":"yeah","start":2137.515,"end":2138.015,"confidence":1.0,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.16060972213745117},{"word":"yeah","start":2139.435,"end":2139.935,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.08404803276062012},{"word":"it","start":2140.395,"end":2140.635,"confidence":0.94384766,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.110154390335083},{"word":"is","start":2140.635,"end":2140.875,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.09400208294391632},{"word":"a","start":2140.875,"end":2140.955,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11316266655921936},{"word":"big","start":2140.955,"end":2141.195,"confidence":0.9941406,"punctuated_word":"big","sentiment":"neutral","sentiment_score":-0.08232821524143219},{"word":"it","start":2141.51,"end":2141.67,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.11284498125314713},{"word":"can","start":2141.67,"end":2141.79,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.06260333210229874},{"word":"be","start":2141.79,"end":2141.91,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.0852656289935112},{"word":"a","start":2141.91,"end":2142.15,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06503716111183167},{"word":"big","start":2142.15,"end":2142.39,"confidence":1.0,"punctuated_word":"big","sentiment":"neutral","sentiment_score":-0.0296696275472641},{"word":"step","start":2142.39,"end":2142.71,"confidence":0.9970703,"punctuated_word":"step","sentiment":"neutral","sentiment_score":0.02934974431991577},{"word":"for","start":2142.71,"end":2142.8699,"confidence":0.9921875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.026884913444519043},{"word":"people","start":2142.8699,"end":2143.1099,"confidence":0.99902344,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.02853769063949585},{"word":"to","start":2143.1099,"end":2143.27,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.025327399373054504},{"word":"take","start":2143.27,"end":2143.51,"confidence":0.99609375,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.013703227043151855},{"word":"to","start":2143.51,"end":2143.75,"confidence":0.9482422,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03662929683923721},{"word":"sort","start":2143.75,"end":2143.99,"confidence":0.9604492,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.07246330380439758},{"word":"of","start":2143.99,"end":2144.23,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.061723172664642334},{"word":"think","start":2144.23,"end":2144.47,"confidence":0.9951172,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.023167826235294346},{"word":"about","start":2144.47,"end":2144.79,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.0491393506526947},{"word":"an","start":2144.79,"end":2144.95,"confidence":0.7631836,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.05924735218286514},{"word":"adviser","start":2144.95,"end":2145.43,"confidence":0.9682617,"punctuated_word":"adviser.","sentiment":"neutral","sentiment_score":-0.09934435784816742},{"word":"it's","start":2145.43,"end":2145.67,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.030505143105983738},{"word":"not","start":2145.67,"end":2145.91,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.08909329026937485},{"word":"something","start":2145.91,"end":2146.23,"confidence":0.99902344,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.08392833918333054},{"word":"that","start":2146.23,"end":2146.3098,"confidence":0.8959961,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02615007758140564},{"word":"everyone","start":2146.3098,"end":2146.8098,"confidence":1.0,"punctuated_word":"everyone","sentiment":"neutral","sentiment_score":-0.09583056718111038},{"word":"is","start":2147.19,"end":2147.43,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.07444079220294952},{"word":"comfortable","start":2147.43,"end":2147.91,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":-0.10596787929534912},{"word":"or","start":2147.91,"end":2148.0698,"confidence":0.9873047,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.17246878147125244},{"word":"confident","start":2148.0698,"end":2148.55,"confidence":0.99316406,"punctuated_word":"confident","sentiment":"neutral","sentiment_score":-0.13798899948596954},{"word":"doing","start":2148.55,"end":2148.95,"confidence":0.8310547,"punctuated_word":"doing.","sentiment":"neutral","sentiment_score":-0.10336589813232422},{"word":"but","start":2148.95,"end":2149.19,"confidence":0.9970703,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.04281239956617355},{"word":"even","start":2149.19,"end":2149.43,"confidence":0.99902344,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.06594712287187576},{"word":"if","start":2149.43,"end":2149.51,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.10480817407369614},{"word":"you","start":2149.51,"end":2149.67,"confidence":0.984375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12619037926197052},{"word":"just","start":2149.67,"end":2149.8298,"confidence":0.9970703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12783415615558624},{"word":"let","start":2149.8298,"end":2149.99,"confidence":0.99609375,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.09762142598628998},{"word":"them","start":2149.99,"end":2150.15,"confidence":0.99316406,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.15034103393554688},{"word":"know","start":2150.15,"end":2150.39,"confidence":0.82543945,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.1527910828590393},{"word":"look","start":2150.39,"end":2150.55,"confidence":0.72436523,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.11414890736341476},{"word":"there's","start":2150.55,"end":2150.79,"confidence":0.99902344,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.10788512229919434},{"word":"no","start":2150.79,"end":2151.03,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.059319645166397095},{"word":"obligation","start":2151.03,"end":2151.53,"confidence":0.9980469,"punctuated_word":"obligation","sentiment":"neutral","sentiment_score":0.003947325050830841},{"word":"to","start":2151.67,"end":2151.8298,"confidence":0.9560547,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.00020857155323028564},{"word":"the","start":2151.8298,"end":2151.99,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.014109790325164797},{"word":"initial","start":2151.99,"end":2152.39,"confidence":1.0,"punctuated_word":"initial","sentiment":"neutral","sentiment_score":0.01130467653274536},{"word":"consultation","start":2152.39,"end":2152.89,"confidence":0.8833008,"punctuated_word":"consultation.","sentiment":"neutral","sentiment_score":0.029748082160949707},{"word":"they","start":2153.43,"end":2153.5898,"confidence":0.99121094,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.06369706988334656},{"word":"don't","start":2153.5898,"end":2153.8298,"confidence":0.99316406,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.06586017459630966},{"word":"have","start":2153.8298,"end":2154.0698,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.034325189888477325},{"word":"to","start":2154.0698,"end":2154.15,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02331281453371048},{"word":"take","start":2154.15,"end":2154.39,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.09167400747537612},{"word":"any","start":2154.39,"end":2154.63,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.022920534014701843},{"word":"of","start":2154.63,"end":2154.79,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.011121317744255066},{"word":"the","start":2154.79,"end":2154.95,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05296818166971207},{"word":"advice","start":2154.95,"end":2155.43,"confidence":0.9941406,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.01369883120059967},{"word":"everything","start":2155.43,"end":2155.91,"confidence":1.0,"punctuated_word":"Everything","sentiment":"neutral","sentiment_score":0.21052983403205872},{"word":"i","start":2155.91,"end":2156.0698,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.25698408484458923},{"word":"give","start":2156.0698,"end":2156.3098,"confidence":0.9091797,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.31718990206718445},{"word":"is","start":2156.3098,"end":2156.745,"confidence":0.94921875,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.29785189032554626},{"word":"it's","start":2156.8252,"end":2157.0652,"confidence":0.7722168,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2953852117061615},{"word":"just","start":2157.0652,"end":2157.225,"confidence":0.91748047,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.31442350149154663},{"word":"advice","start":2157.225,"end":2157.625,"confidence":0.6855469,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.1609666645526886},{"word":"and","start":2157.625,"end":2157.7852,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1877606362104416},{"word":"even","start":2157.7852,"end":2157.945,"confidence":0.99902344,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.19637265801429749},{"word":"with","start":2157.945,"end":2158.185,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.20088356733322144},{"word":"this","start":2158.185,"end":2158.425,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.21915149688720703},{"word":"like","start":2158.5051,"end":2158.665,"confidence":0.97631836,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.23035284876823425},{"word":"i'm","start":2158.665,"end":2158.8252,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2976316809654236},{"word":"just","start":2158.8252,"end":2158.985,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.33095312118530273},{"word":"giving","start":2158.985,"end":2159.3052,"confidence":0.9980469,"punctuated_word":"giving","sentiment":"positive","sentiment_score":0.33428746461868286},{"word":"you","start":2159.3052,"end":2159.465,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3505696654319763},{"word":"advice","start":2159.465,"end":2159.8652,"confidence":0.99316406,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.29291754961013794},{"word":"on","start":2159.8652,"end":2159.945,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.3727012276649475},{"word":"how","start":2159.945,"end":2160.185,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.3207103908061981},{"word":"we","start":2160.185,"end":2160.3452,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3489740788936615},{"word":"can","start":2160.3452,"end":2160.425,"confidence":0.99902344,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3604362905025482},{"word":"make","start":2160.425,"end":2160.665,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.3173587918281555},{"word":"the","start":2160.665,"end":2160.8252,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27049535512924194},{"word":"changes","start":2160.8252,"end":2161.225,"confidence":0.9111328,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":0.22074249386787417},{"word":"but","start":2161.225,"end":2161.5452,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2479627430438995},{"word":"you","start":2161.5452,"end":2161.625,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2364222556352615},{"word":"guys","start":2161.625,"end":2161.8652,"confidence":0.99609375,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.27829891443252563},{"word":"get","start":2161.8652,"end":2162.1052,"confidence":0.9873047,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.3085896372795105},{"word":"to","start":2162.1052,"end":2162.2651,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24638515710830688},{"word":"decide","start":2162.2651,"end":2162.5852,"confidence":0.9951172,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.1869976371526718},{"word":"whether","start":2162.5852,"end":2162.905,"confidence":1.0,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.133619487285614},{"word":"you","start":2162.905,"end":2163.0652,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09739133715629578},{"word":"take","start":2163.0652,"end":2163.225,"confidence":0.9970703,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.09664895385503768},{"word":"it","start":2163.225,"end":2163.385,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13078421354293823},{"word":"or","start":2163.385,"end":2163.5452,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.11668740212917328},{"word":"not","start":2163.5452,"end":2163.7852,"confidence":0.99902344,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":0.07430846989154816},{"word":"there","start":2163.7852,"end":2164.0251,"confidence":1.0,"punctuated_word":"There","sentiment":"neutral","sentiment_score":0.17603470385074615},{"word":"is","start":2164.0251,"end":2164.3452,"confidence":0.9838867,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2062990516424179},{"word":"no","start":2164.3452,"end":2164.8452,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.21931444108486176},{"word":"you","start":2165.225,"end":2165.3052,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14176644384860992},{"word":"know","start":2165.3052,"end":2165.625,"confidence":0.9453125,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.2442656457424164},{"word":"it's","start":2165.625,"end":2165.8652,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.22147616744041443},{"word":"all","start":2165.8652,"end":2166.1052,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.18850591778755188},{"word":"completely","start":2166.1052,"end":2166.6052,"confidence":1.0,"punctuated_word":"completely","sentiment":"positive","sentiment_score":0.4077414572238922},{"word":"up","start":2166.745,"end":2166.905,"confidence":0.99902344,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.4825758934020996},{"word":"to","start":2166.905,"end":2167.0652,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.536432683467865},{"word":"you","start":2167.0652,"end":2167.5652,"confidence":0.99853516,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.45460742712020874},{"word":"there's","start":2168.0251,"end":2168.2651,"confidence":0.85961914,"punctuated_word":"There's","sentiment":"positive","sentiment_score":0.4650685787200928},{"word":"no","start":2168.2651,"end":2168.5852,"confidence":1.0,"punctuated_word":"no","sentiment":"positive","sentiment_score":0.3590736389160156},{"word":"obligation","start":2168.5852,"end":2169.0852,"confidence":1.0,"punctuated_word":"obligation","sentiment":"neutral","sentiment_score":0.2841675877571106},{"word":"whatsoever","start":2169.145,"end":2169.645,"confidence":0.9248047,"punctuated_word":"whatsoever","sentiment":"positive","sentiment_score":0.4078563749790192},{"word":"on","start":2169.8652,"end":2170.0251,"confidence":0.99902344,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.3991216719150543},{"word":"any","start":2170.0251,"end":2170.2651,"confidence":0.99902344,"punctuated_word":"any","sentiment":"positive","sentiment_score":0.4376068711280823},{"word":"of","start":2170.2651,"end":2170.425,"confidence":0.99902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.43147051334381104},{"word":"the","start":2170.425,"end":2170.5852,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4242870807647705},{"word":"advice","start":2170.5852,"end":2170.985,"confidence":0.98828125,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.28288108110427856},{"word":"i","start":2170.985,"end":2171.145,"confidence":0.9892578,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.46442171931266785},{"word":"give","start":2171.145,"end":2171.645,"confidence":0.8781738,"punctuated_word":"give,","sentiment":"positive","sentiment_score":0.4296812117099762},{"word":"and","start":2172.29,"end":2172.3699,"confidence":0.9970703,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4253590703010559},{"word":"i'm","start":2172.3699,"end":2172.53,"confidence":0.99658203,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.7071025371551514},{"word":"more","start":2172.53,"end":2172.6099,"confidence":1.0,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.739151656627655},{"word":"than","start":2172.6099,"end":2172.69,"confidence":0.99902344,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.677392303943634},{"word":"happy","start":2172.69,"end":2173.0898,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.6534857749938965},{"word":"to","start":2173.0898,"end":2173.25,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.655350387096405},{"word":"alter","start":2173.25,"end":2173.49,"confidence":0.9951172,"punctuated_word":"alter","sentiment":"positive","sentiment_score":0.5936344265937805},{"word":"it","start":2173.49,"end":2173.65,"confidence":0.8183594,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5652837753295898},{"word":"and","start":2173.65,"end":2173.81,"confidence":1.0,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5294911861419678},{"word":"change","start":2173.81,"end":2174.05,"confidence":1.0,"punctuated_word":"change","sentiment":"positive","sentiment_score":0.4688440859317779},{"word":"it","start":2174.05,"end":2174.21,"confidence":0.99072266,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.30637285113334656},{"word":"you","start":2174.21,"end":2174.29,"confidence":0.9838867,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.20324842631816864},{"word":"know","start":2174.29,"end":2174.53,"confidence":0.8811035,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.28738129138946533},{"word":"i'll","start":2174.53,"end":2174.69,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.3077503442764282},{"word":"go","start":2174.69,"end":2174.8499,"confidence":0.9892578,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.27291885018348694},{"word":"back","start":2174.8499,"end":2175.0898,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.2797498106956482},{"word":"after","start":2175.0898,"end":2175.33,"confidence":0.99609375,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.2251330018043518},{"word":"this","start":2175.33,"end":2175.57,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.23439648747444153},{"word":"if","start":2175.57,"end":2175.65,"confidence":0.5703125,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.29427987337112427},{"word":"you","start":2175.65,"end":2175.81,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22192129492759705},{"word":"send","start":2175.81,"end":2176.05,"confidence":0.9970703,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.17624637484550476},{"word":"me","start":2176.05,"end":2176.21,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.23140674829483032},{"word":"a","start":2176.21,"end":2176.29,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23546217381954193},{"word":"statement","start":2176.29,"end":2176.69,"confidence":0.97314453,"punctuated_word":"statement.","sentiment":"neutral","sentiment_score":0.2630605697631836},{"word":"i'll","start":2176.69,"end":2176.8499,"confidence":0.9321289,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2485053539276123},{"word":"go","start":2176.8499,"end":2177.0898,"confidence":0.9589844,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.27776142954826355},{"word":"do","start":2177.0898,"end":2177.17,"confidence":0.98535156,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.26731517910957336},{"word":"a","start":2177.17,"end":2177.25,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3088136911392212},{"word":"little","start":2177.25,"end":2177.49,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.24469786882400513},{"word":"bit","start":2177.49,"end":2177.57,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2451702505350113},{"word":"of","start":2177.57,"end":2177.73,"confidence":0.9135742,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2966717481613159},{"word":"after","start":2177.73,"end":2177.97,"confidence":0.4267578,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.23831915855407715},{"word":"work","start":2177.97,"end":2178.21,"confidence":0.98535156,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.2750908434391022},{"word":"for","start":2178.21,"end":2178.3699,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3235836923122406},{"word":"you","start":2178.3699,"end":2178.53,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3213116228580475},{"word":"and","start":2178.53,"end":2178.69,"confidence":0.97998047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2589574158191681},{"word":"show","start":2178.69,"end":2178.8499,"confidence":0.97998047,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.20788362622261047},{"word":"you","start":2178.8499,"end":2179.01,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27341869473457336},{"word":"a","start":2179.01,"end":2179.17,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2799386978149414},{"word":"comparison","start":2179.17,"end":2179.67,"confidence":1.0,"punctuated_word":"comparison","sentiment":"positive","sentiment_score":0.3534468710422516},{"word":"on","start":2179.81,"end":2179.97,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2574865221977234},{"word":"the","start":2179.97,"end":2180.13,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2618144750595093},{"word":"mortgage","start":2180.13,"end":2180.45,"confidence":0.9458008,"punctuated_word":"mortgage,","sentiment":"neutral","sentiment_score":0.2536742091178894},{"word":"and","start":2180.45,"end":2180.93,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.26953816413879395},{"word":"then","start":2180.93,"end":2181.0898,"confidence":0.9980469,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.29099711775779724},{"word":"you","start":2181.0898,"end":2181.33,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3404407501220703},{"word":"can","start":2181.33,"end":2181.49,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.294521301984787},{"word":"decide","start":2181.49,"end":2181.89,"confidence":0.9980469,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.24901403486728668},{"word":"what","start":2181.89,"end":2182.05,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.3017466068267822},{"word":"you","start":2182.05,"end":2182.21,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23584523797035217},{"word":"wanna","start":2182.21,"end":2182.53,"confidence":0.9667969,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.2999889850616455},{"word":"do","start":2182.53,"end":2182.77,"confidence":0.99902344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.17731036245822906},{"word":"as","start":2182.77,"end":2182.93,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2760462760925293},{"word":"well","start":2182.93,"end":2183.33,"confidence":0.99658203,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.20850373804569244},{"word":"so","start":2183.33,"end":2183.83,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06764209270477295},{"word":"it's","start":2184.3699,"end":2184.6099,"confidence":0.97021484,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.04098094254732132},{"word":"by","start":2184.6099,"end":2184.8499,"confidence":0.6040039,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.06390023976564407},{"word":"no","start":2184.8499,"end":2185.0898,"confidence":0.9838867,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.06435369700193405},{"word":"means","start":2185.0898,"end":2185.41,"confidence":0.99902344,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.2109079211950302},{"word":"in","start":2185.41,"end":2185.49,"confidence":0.78564453,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.19652853906154633},{"word":"any","start":2185.49,"end":2185.65,"confidence":0.9873047,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.19475501775741577},{"word":"way","start":2185.65,"end":2185.89,"confidence":0.7631836,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":-0.2052171677350998},{"word":"shape","start":2185.89,"end":2186.235,"confidence":0.8757324,"punctuated_word":"shape,","sentiment":"neutral","sentiment_score":-0.1590154469013214},{"word":"form","start":2186.3152,"end":2186.635,"confidence":0.4494629,"punctuated_word":"form","sentiment":"neutral","sentiment_score":-0.1960352510213852},{"word":"forcing","start":2186.715,"end":2187.115,"confidence":0.92822266,"punctuated_word":"forcing","sentiment":"neutral","sentiment_score":-0.24607914686203003},{"word":"you","start":2187.115,"end":2187.2751,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.23128573596477509},{"word":"guys","start":2187.2751,"end":2187.5151,"confidence":0.9921875,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":-0.2089652717113495},{"word":"to","start":2187.5151,"end":2187.675,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.19182288646698},{"word":"do","start":2187.675,"end":2187.915,"confidence":0.99609375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.25714021921157837},{"word":"anything","start":2187.915,"end":2188.155,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.18463340401649475},{"word":"that","start":2188.155,"end":2188.3152,"confidence":0.98095703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2645733058452606},{"word":"you're","start":2188.3152,"end":2188.5552,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.2724911570549011},{"word":"not","start":2188.5552,"end":2188.715,"confidence":0.9980469,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.40073710680007935},{"word":"comfortable","start":2188.715,"end":2189.115,"confidence":1.0,"punctuated_word":"comfortable","sentiment":"negative","sentiment_score":-0.4212305545806885},{"word":"with","start":2189.115,"end":2189.3552,"confidence":0.87597656,"punctuated_word":"with,","sentiment":"negative","sentiment_score":-0.3590291738510132},{"word":"and","start":2189.3552,"end":2189.5151,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.25258445739746094},{"word":"i","start":2189.5151,"end":2189.675,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.23400019109249115},{"word":"would","start":2189.675,"end":2189.8352,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.2311602085828781},{"word":"never","start":2189.8352,"end":2190.0752,"confidence":1.0,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.26001042127609253},{"word":"want","start":2190.0752,"end":2190.3152,"confidence":0.99902344,"punctuated_word":"want","sentiment":"negative","sentiment_score":-0.37894344329833984},{"word":"anyone","start":2190.3152,"end":2190.635,"confidence":1.0,"punctuated_word":"anyone","sentiment":"negative","sentiment_score":-0.3778444528579712},{"word":"to","start":2190.635,"end":2190.7952,"confidence":0.9980469,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.412221223115921},{"word":"feel","start":2190.7952,"end":2191.0352,"confidence":1.0,"punctuated_word":"feel","sentiment":"negative","sentiment_score":-0.5198755860328674},{"word":"like","start":2191.0352,"end":2191.115,"confidence":0.97509766,"punctuated_word":"like","sentiment":"negative","sentiment_score":-0.48288968205451965},{"word":"they're","start":2191.115,"end":2191.3552,"confidence":0.9941406,"punctuated_word":"they're","sentiment":"negative","sentiment_score":-0.43098723888397217},{"word":"forced","start":2191.3552,"end":2191.675,"confidence":1.0,"punctuated_word":"forced","sentiment":"negative","sentiment_score":-0.5204362869262695},{"word":"to","start":2191.675,"end":2191.7551,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.44853442907333374},{"word":"take","start":2191.7551,"end":2191.995,"confidence":0.99316406,"punctuated_word":"take","sentiment":"negative","sentiment_score":-0.512966513633728},{"word":"on","start":2191.995,"end":2192.155,"confidence":0.9921875,"punctuated_word":"on","sentiment":"negative","sentiment_score":-0.5361260175704956},{"word":"anything","start":2192.155,"end":2192.475,"confidence":1.0,"punctuated_word":"anything","sentiment":"negative","sentiment_score":-0.41003140807151794},{"word":"they're","start":2192.475,"end":2192.715,"confidence":0.9970703,"punctuated_word":"they're","sentiment":"negative","sentiment_score":-0.3894617557525635},{"word":"not","start":2192.715,"end":2192.875,"confidence":0.99609375,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.3863888680934906},{"word":"comfortable","start":2192.875,"end":2193.2751,"confidence":0.99902344,"punctuated_word":"comfortable","sentiment":"negative","sentiment_score":-0.40958237648010254},{"word":"with","start":2193.2751,"end":2193.5952,"confidence":0.9980469,"punctuated_word":"with.","sentiment":"negative","sentiment_score":-0.38790884613990784},{"word":"so","start":2193.5952,"end":2194.0752,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.041671112179756165},{"word":"i","start":2194.0752,"end":2194.3152,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05368199944496155},{"word":"tend","start":2194.3152,"end":2194.5552,"confidence":0.9838867,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":0.1466529220342636},{"word":"to","start":2194.5552,"end":2194.715,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17844930291175842},{"word":"just","start":2194.715,"end":2194.955,"confidence":0.8618164,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13997401297092438},{"word":"let","start":2194.955,"end":2195.115,"confidence":0.9902344,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.34087711572647095},{"word":"people","start":2195.115,"end":2195.435,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.30422109365463257},{"word":"do","start":2195.435,"end":2195.5952,"confidence":0.99902344,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.4022339880466461},{"word":"things","start":2195.5952,"end":2195.8352,"confidence":1.0,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.3802682161331177},{"word":"in","start":2195.8352,"end":2195.915,"confidence":0.41552734,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.28597521781921387},{"word":"their","start":2195.915,"end":2196.155,"confidence":0.9760742,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.27551260590553284},{"word":"own","start":2196.155,"end":2196.395,"confidence":1.0,"punctuated_word":"own","sentiment":"neutral","sentiment_score":0.29553428292274475},{"word":"time","start":2196.395,"end":2196.875,"confidence":0.9506836,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.2629542946815491},{"word":"and","start":2196.875,"end":2197.3552,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.25039979815483093},{"word":"it","start":2197.3552,"end":2197.5952,"confidence":1.0,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4370710849761963},{"word":"tends","start":2197.5952,"end":2197.995,"confidence":0.9970703,"punctuated_word":"tends","sentiment":"positive","sentiment_score":0.4997354149818421},{"word":"to","start":2197.995,"end":2198.155,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5370759963989258},{"word":"work","start":2198.155,"end":2198.395,"confidence":0.9980469,"punctuated_word":"work","sentiment":"positive","sentiment_score":0.5903096795082092},{"word":"out","start":2198.395,"end":2198.635,"confidence":0.9970703,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.5775077939033508},{"word":"really","start":2198.635,"end":2198.955,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5007047653198242},{"word":"well","start":2198.955,"end":2199.435,"confidence":1.0,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.5178061723709106},{"word":"because","start":2199.435,"end":2199.915,"confidence":0.93847656,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.2819950580596924},{"word":"they","start":2199.915,"end":2200.155,"confidence":0.9951172,"punctuated_word":"they","sentiment":"positive","sentiment_score":0.3532692492008209},{"word":"everyone","start":2200.69,"end":2201.01,"confidence":1.0,"punctuated_word":"everyone","sentiment":"neutral","sentiment_score":0.27971184253692627},{"word":"thinks","start":2201.01,"end":2201.41,"confidence":0.9921875,"punctuated_word":"thinks","sentiment":"neutral","sentiment_score":0.3226607143878937},{"word":"about","start":2201.41,"end":2201.6501,"confidence":0.94970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.22916020452976227},{"word":"it","start":2201.6501,"end":2202.1501,"confidence":0.94750977,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.19831456243991852},{"word":"some","start":2202.21,"end":2202.45,"confidence":0.9580078,"punctuated_word":"Some","sentiment":"neutral","sentiment_score":0.0984104424715042},{"word":"people","start":2202.45,"end":2202.85,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.019907504320144653},{"word":"procrastinate","start":2202.85,"end":2203.35,"confidence":0.9595947,"punctuated_word":"procrastinate,","sentiment":"neutral","sentiment_score":-0.11139810085296632},{"word":"but","start":2203.57,"end":2203.73,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.00883762538433075},{"word":"then","start":2203.73,"end":2203.97,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1520082950592041},{"word":"when","start":2203.97,"end":2204.21,"confidence":0.99609375,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.27216511964797974},{"word":"they","start":2204.21,"end":2204.37,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.27594923973083496},{"word":"make","start":2204.37,"end":2204.61,"confidence":0.9980469,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.3440017104148865},{"word":"that","start":2204.61,"end":2204.77,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.35065916180610657},{"word":"leap","start":2204.77,"end":2205.09,"confidence":0.98046875,"punctuated_word":"leap,","sentiment":"neutral","sentiment_score":0.2857714593410492},{"word":"they","start":2205.09,"end":2205.33,"confidence":0.99121094,"punctuated_word":"they","sentiment":"positive","sentiment_score":0.357183575630188},{"word":"feel","start":2205.33,"end":2205.57,"confidence":0.9941406,"punctuated_word":"feel","sentiment":"positive","sentiment_score":0.36316341161727905},{"word":"good","start":2205.57,"end":2205.81,"confidence":0.9902344,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.3322492241859436},{"word":"about","start":2205.81,"end":2206.05,"confidence":0.99902344,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.38952285051345825},{"word":"making","start":2206.05,"end":2206.37,"confidence":1.0,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.4225374758243561},{"word":"a","start":2206.37,"end":2206.53,"confidence":0.8178711,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.40039217472076416},{"word":"leap","start":2206.53,"end":2206.77,"confidence":0.97094727,"punctuated_word":"leap.","sentiment":"neutral","sentiment_score":0.2859264016151428},{"word":"it's","start":2206.77,"end":2207.09,"confidence":0.9980469,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.03413642197847366},{"word":"not","start":2207.09,"end":2207.57,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.05080157518386841},{"word":"as","start":2207.57,"end":2207.97,"confidence":0.9951172,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.13264507055282593},{"word":"scary","start":2207.97,"end":2208.47,"confidence":0.9741211,"punctuated_word":"scary.","sentiment":"neutral","sentiment_score":-0.224808931350708},{"word":"so","start":2210.36,"end":2210.61,"confidence":0.9951172,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.052683815360069275},{"word":"yeah","start":2211.09,"end":2211.59,"confidence":0.98339844,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.08581426739692688},{"word":"yeah","start":2213.535,"end":2214.015,"confidence":0.8486328,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.1295366734266281},{"word":"yeah","start":2214.015,"end":2214.515,"confidence":0.95996094,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.24055646359920504},{"word":"that","start":2215.775,"end":2216.095,"confidence":0.8598633,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.026827372610569},{"word":"is","start":2216.095,"end":2216.335,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.011343777179718018},{"word":"true","start":2216.335,"end":2216.655,"confidence":0.9995117,"punctuated_word":"true.","sentiment":"neutral","sentiment_score":0.036362044513225555},{"word":"that","start":2216.655,"end":2216.895,"confidence":0.9970703,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.09507262706756592},{"word":"is","start":2216.895,"end":2217.135,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1067369058728218},{"word":"true","start":2217.135,"end":2217.635,"confidence":1.0,"punctuated_word":"true.","sentiment":"neutral","sentiment_score":-0.042031679302453995},{"word":"yeah","start":2221.055,"end":2221.555,"confidence":0.8479004,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01127584744244814},{"word":"yeah","start":2225.135,"end":2225.295,"confidence":0.8808594,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.001862507313489914},{"word":"no","start":2225.295,"end":2225.615,"confidence":0.98046875,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05158551409840584},{"word":"i","start":2225.615,"end":2225.855,"confidence":0.55078125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.014593347907066343},{"word":"that's","start":2226.095,"end":2226.255,"confidence":0.7174072,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.042793624103069305},{"word":"definitely","start":2226.255,"end":2226.7349,"confidence":0.98291016,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.10749489068984984},{"word":"a","start":2226.7349,"end":2226.9849,"confidence":0.6401367,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11794471740722656},{"word":"thing","start":2226.9849,"end":2227.4849,"confidence":0.99609375,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.05863986909389496},{"word":"yes","start":2236.07,"end":2236.55,"confidence":0.8515625,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.04641620069742203},{"word":"yeah","start":2236.55,"end":2237.05,"confidence":0.9145508,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0017231162637472153},{"word":"no","start":2238.23,"end":2238.73,"confidence":0.9794922,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0841175764799118},{"word":"correct","start":2239.83,"end":2240.33,"confidence":0.99365234,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.01682829111814499},{"word":"absolutely","start":2242.525,"end":2243.025,"confidence":0.83325195,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.06907494366168976},{"word":"yeah","start":2243.805,"end":2244.305,"confidence":0.87475586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.061825212091207504},{"word":"i'll","start":2245.565,"end":2245.805,"confidence":0.6999512,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.27956804633140564},{"word":"be","start":2245.805,"end":2246.045,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.22214549779891968},{"word":"okay","start":2246.045,"end":2246.545,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.12541460990905762},{"word":"yeah","start":2249.485,"end":2249.985,"confidence":0.89624023,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.010900547727942468},{"word":"yeah","start":2251.645,"end":2252.145,"confidence":0.97094727,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.018110694363713264},{"word":"yeah","start":2255.645,"end":2256.145,"confidence":0.96118164,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01994217373430729},{"word":"yeah","start":2260.02,"end":2260.52,"confidence":0.9719238,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.006662746891379356},{"word":"that","start":2261.2202,"end":2261.4602,"confidence":0.9873047,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.007421713322401047},{"word":"might","start":2261.4602,"end":2261.7002,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.009884733706712725},{"word":"be","start":2261.7002,"end":2262.2002,"confidence":0.7927246,"punctuated_word":"be.","sentiment":"neutral","sentiment_score":-0.01752854883670807},{"word":"yeah","start":2265.78,"end":2266.28,"confidence":0.9758301,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08759209513664246},{"word":"absolutely","start":2266.58,"end":2267.08,"confidence":0.96777344,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.23837484419345856},{"word":"no","start":2267.2202,"end":2267.3801,"confidence":0.920166,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.038301605731248856},{"word":"there's","start":2267.3801,"end":2267.7002,"confidence":0.79174805,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.1286506950855255},{"word":"definitely","start":2267.7002,"end":2268.02,"confidence":0.9970703,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.21963560581207275},{"word":"things","start":2268.02,"end":2268.1401,"confidence":0.9941406,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.20945385098457336},{"word":"and","start":2268.26,"end":2268.4202,"confidence":0.54589844,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1847880482673645},{"word":"that","start":2268.4202,"end":2268.58,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18750350177288055},{"word":"kind","start":2268.58,"end":2268.82,"confidence":0.95703125,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.16743724048137665},{"word":"of","start":2268.82,"end":2268.9001,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17038103938102722},{"word":"money","start":2268.9001,"end":2269.1401,"confidence":0.9680176,"punctuated_word":"money,","sentiment":"neutral","sentiment_score":0.17010799050331116},{"word":"there's","start":2269.1401,"end":2269.3801,"confidence":0.99902344,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.26961803436279297},{"word":"definitely","start":2269.3801,"end":2269.7002,"confidence":1.0,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.3541671633720398},{"word":"things","start":2269.7002,"end":2269.9402,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.33014020323753357},{"word":"we","start":2269.9402,"end":2270.1,"confidence":0.65966797,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.29060640931129456},{"word":"can","start":2270.1,"end":2270.26,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.26327377557754517},{"word":"do","start":2270.26,"end":2270.4202,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.23925632238388064},{"word":"to","start":2270.4202,"end":2270.58,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.30434489250183105},{"word":"try","start":2270.58,"end":2270.82,"confidence":1.0,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.29872727394104004},{"word":"and","start":2270.82,"end":2270.9001,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24179627001285553},{"word":"get","start":2270.9001,"end":2271.285,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1717926859855652},{"word":"even","start":2271.4448,"end":2271.6848,"confidence":1.0,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.33074140548706055},{"word":"a","start":2271.6848,"end":2271.765,"confidence":0.90234375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3086180090904236},{"word":"part","start":2271.765,"end":2272.085,"confidence":0.7739258,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.3289338946342468},{"word":"pension","start":2272.085,"end":2272.405,"confidence":0.9838867,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.2216029167175293},{"word":"out","start":2272.405,"end":2272.645,"confidence":0.9980469,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.20623554289340973},{"word":"of","start":2272.645,"end":2272.7249,"confidence":0.9741211,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.28063538670539856},{"word":"the","start":2272.7249,"end":2272.885,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24356400966644287},{"word":"government","start":2272.885,"end":2273.2048,"confidence":1.0,"punctuated_word":"government","sentiment":"neutral","sentiment_score":0.2829122245311737},{"word":"to","start":2273.2048,"end":2273.365,"confidence":0.98095703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2037571668624878},{"word":"kind","start":2273.365,"end":2273.605,"confidence":0.99121094,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.2455725520849228},{"word":"of","start":2273.605,"end":2273.765,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.25944983959198},{"word":"alleviate","start":2273.765,"end":2274.265,"confidence":1.0,"punctuated_word":"alleviate","sentiment":"neutral","sentiment_score":0.21638408303260803},{"word":"some","start":2274.325,"end":2274.565,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.3143603801727295},{"word":"of","start":2274.565,"end":2274.7249,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.30289793014526367},{"word":"the","start":2274.7249,"end":2275.045,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17107687890529633},{"word":"financial","start":2275.045,"end":2275.545,"confidence":0.99902344,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.15535275638103485},{"word":"pressures","start":2275.605,"end":2276.085,"confidence":0.83251953,"punctuated_word":"pressures","sentiment":"neutral","sentiment_score":-0.0748952105641365},{"word":"and","start":2276.085,"end":2276.1648,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0703715980052948},{"word":"stress","start":2276.1648,"end":2276.565,"confidence":0.9970703,"punctuated_word":"stress","sentiment":"neutral","sentiment_score":0.039572641253471375},{"word":"and","start":2276.565,"end":2276.7249,"confidence":0.9560547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3212306797504425},{"word":"give","start":2276.7249,"end":2276.885,"confidence":0.9941406,"punctuated_word":"give","sentiment":"positive","sentiment_score":0.4130702018737793},{"word":"them","start":2276.885,"end":2277.125,"confidence":0.9838867,"punctuated_word":"them","sentiment":"positive","sentiment_score":0.394234299659729},{"word":"a","start":2277.125,"end":2277.2048,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4352872967720032},{"word":"little","start":2277.2048,"end":2277.365,"confidence":1.0,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.40047022700309753},{"word":"bit","start":2277.365,"end":2277.605,"confidence":1.0,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.42376941442489624},{"word":"of","start":2277.605,"end":2278.085,"confidence":0.99609375,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.32051584124565125},{"word":"you","start":2278.085,"end":2278.2449,"confidence":0.58496094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19376206398010257},{"word":"know","start":2278.2449,"end":2278.645,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.19064275920391083},{"word":"help","start":2278.645,"end":2279.045,"confidence":0.96313477,"punctuated_word":"help.","sentiment":"neutral","sentiment_score":0.1953667104244232},{"word":"so","start":2279.045,"end":2279.545,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1319797933101654},{"word":"but","start":2279.9248,"end":2280.1648,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.12893803417682648},{"word":"also","start":2280.1648,"end":2280.405,"confidence":0.6401367,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.16502311825752258},{"word":"having","start":2280.405,"end":2280.7249,"confidence":0.96240234,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.2180963158607483},{"word":"money","start":2280.7249,"end":2281.045,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.24084806442260745},{"word":"just","start":2281.045,"end":2281.285,"confidence":0.9453125,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18951599299907684},{"word":"invested","start":2281.285,"end":2281.6848,"confidence":0.97314453,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.17338606715202332},{"word":"in","start":2281.6848,"end":2281.845,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.205242320895195},{"word":"different","start":2281.845,"end":2282.1648,"confidence":0.99902344,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.1601666361093521},{"word":"ways","start":2282.1648,"end":2282.405,"confidence":0.970459,"punctuated_word":"ways.","sentiment":"neutral","sentiment_score":0.2046138346195221},{"word":"it","start":2282.405,"end":2282.565,"confidence":0.99902344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.2100096344947815},{"word":"doesn't","start":2282.565,"end":2282.805,"confidence":0.99902344,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.20449738204479215},{"word":"even","start":2282.805,"end":2283.125,"confidence":0.99902344,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.214064821600914},{"word":"have","start":2283.125,"end":2283.285,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2029464840888977},{"word":"to","start":2283.285,"end":2283.365,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13906016945838928},{"word":"be","start":2283.365,"end":2283.605,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.05499427020549774},{"word":"risky","start":2283.605,"end":2284.005,"confidence":0.9758301,"punctuated_word":"risky.","sentiment":"neutral","sentiment_score":0.04034050554037094},{"word":"you","start":2284.005,"end":2284.1648,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.11609677970409392},{"word":"know","start":2284.1648,"end":2284.405,"confidence":0.95996094,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":0.14472272992134094},{"word":"it","start":2284.405,"end":2284.565,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.16663102805614471},{"word":"can","start":2284.565,"end":2284.805,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15006616711616516},{"word":"be","start":2284.805,"end":2285.305,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.14478766918182373},{"word":"as","start":2285.3901,"end":2285.55,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.18641188740730288},{"word":"you","start":2285.55,"end":2285.71,"confidence":0.78125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14614829421043396},{"word":"guys","start":2285.71,"end":2285.79,"confidence":0.9970703,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.17666739225387573},{"word":"get","start":2285.79,"end":2286.19,"confidence":0.99316406,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.13429316878318787},{"word":"closer","start":2286.19,"end":2286.51,"confidence":0.95410156,"punctuated_word":"closer","sentiment":"neutral","sentiment_score":0.15970012545585632},{"word":"and","start":2286.51,"end":2286.6702,"confidence":0.9921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.31892120838165283},{"word":"closer","start":2286.6702,"end":2286.83,"confidence":0.6286621,"punctuated_word":"closer,","sentiment":"neutral","sentiment_score":0.08373647928237915},{"word":"i","start":2286.83,"end":2286.99,"confidence":0.9614258,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1023603081703186},{"word":"mean","start":2286.99,"end":2287.1501,"confidence":0.99902344,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.1188334822654724},{"word":"yeah","start":2287.95,"end":2288.35,"confidence":0.9921875,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.16224047541618347},{"word":"yeah","start":2288.35,"end":2288.6702,"confidence":1.0,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.24524399638175964},{"word":"we","start":2288.6702,"end":2288.83,"confidence":0.99902344,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.23381461203098297},{"word":"can","start":2288.83,"end":2288.99,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.26598772406578064},{"word":"look","start":2288.99,"end":2289.23,"confidence":0.97998047,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.21365049481391907},{"word":"at","start":2289.23,"end":2289.31,"confidence":0.98828125,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.23005735874176023},{"word":"very","start":2289.31,"end":2289.6301,"confidence":0.9970703,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.2266349196434021},{"word":"defensive","start":2289.6301,"end":2290.1301,"confidence":0.9838867,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.15602907538414},{"word":"investments","start":2290.27,"end":2290.77,"confidence":0.984375,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.17270493507385254},{"word":"we","start":2290.9102,"end":2291.07,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.2296710908412933},{"word":"can","start":2291.07,"end":2291.23,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.24530784785747528},{"word":"look","start":2291.23,"end":2291.3901,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.23610971868038175},{"word":"at","start":2291.3901,"end":2291.55,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.23042848706245425},{"word":"things","start":2291.55,"end":2291.87,"confidence":1.0,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.35958608984947205},{"word":"that","start":2291.87,"end":2292.03,"confidence":0.53125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24761568009853363},{"word":"are","start":2292.03,"end":2292.07,"confidence":0.89208984,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2504901587963104},{"word":"a","start":2292.07,"end":2292.11,"confidence":0.85058594,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.28523486852645874},{"word":"lot","start":2292.11,"end":2292.27,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.32418176531791687},{"word":"more","start":2292.27,"end":2292.59,"confidence":0.9980469,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.18732492625713348},{"word":"low","start":2292.59,"end":2292.9102,"confidence":0.66552734,"punctuated_word":"low","sentiment":"neutral","sentiment_score":0.12130489200353622},{"word":"risk","start":2292.9102,"end":2293.4102,"confidence":0.9970703,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.03611043095588684},{"word":"because","start":2293.95,"end":2294.35,"confidence":0.54296875,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.11700518429279327},{"word":"you","start":2294.35,"end":2294.51,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24281692504882812},{"word":"guys","start":2294.51,"end":2294.75,"confidence":0.99609375,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.23402294516563416},{"word":"have","start":2294.75,"end":2294.99,"confidence":0.5239258,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.18668268620967865},{"word":"still","start":2294.99,"end":2295.1501,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.12065527588129044},{"word":"sort","start":2295.1501,"end":2295.3901,"confidence":0.98535156,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.050630420446395874},{"word":"of","start":2295.3901,"end":2295.47,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.045241743326187134},{"word":"mentioned","start":2295.47,"end":2295.87,"confidence":0.9941406,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.06983786821365356},{"word":"that","start":2295.87,"end":2296.03,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.028902068734169006},{"word":"you're","start":2296.03,"end":2296.19,"confidence":0.9875488,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.08804772794246674},{"word":"not","start":2296.19,"end":2296.35,"confidence":0.9951172,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.04129749536514282},{"word":"accessing","start":2296.35,"end":2296.85,"confidence":0.98828125,"punctuated_word":"accessing","sentiment":"neutral","sentiment_score":-0.06438881158828735},{"word":"super","start":2296.99,"end":2297.31,"confidence":0.71435547,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.07719795405864716},{"word":"for","start":2297.31,"end":2297.47,"confidence":0.98095703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.07819360494613647},{"word":"ten","start":2297.47,"end":2297.71,"confidence":0.9980469,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":-0.09711723029613496},{"word":"years","start":2297.71,"end":2298.19,"confidence":0.8652344,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.02282368391752243},{"word":"with","start":2298.19,"end":2298.51,"confidence":0.9160156,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.2397959679365158},{"word":"peter","start":2298.51,"end":2298.9102,"confidence":0.9428711,"punctuated_word":"Peter","sentiment":"neutral","sentiment_score":0.33281025290489197},{"word":"still","start":2298.9102,"end":2299.1501,"confidence":0.94189453,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.2765607237815857},{"word":"comfortable","start":2299.1501,"end":2299.55,"confidence":0.99902344,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.2277994006872177},{"word":"in","start":2299.55,"end":2299.79,"confidence":1.0,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4306286573410034},{"word":"that","start":2299.79,"end":2299.95,"confidence":0.9921875,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5097126960754395},{"word":"high","start":2299.95,"end":2300.19,"confidence":0.9970703,"punctuated_word":"high","sentiment":"positive","sentiment_score":0.5311829447746277},{"word":"growth","start":2300.19,"end":2300.51,"confidence":0.9941406,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.481207937002182},{"word":"environment","start":2300.51,"end":2301.01,"confidence":0.9941406,"punctuated_word":"environment,","sentiment":"positive","sentiment_score":0.3875663876533508},{"word":"that's","start":2301.365,"end":2301.6848,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.5333521366119385},{"word":"absolutely","start":2301.6848,"end":2302.1848,"confidence":0.9980469,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.5849766731262207},{"word":"fine","start":2302.2449,"end":2302.7449,"confidence":0.98657227,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.5056796073913574},{"word":"with","start":2302.9648,"end":2303.125,"confidence":0.99121094,"punctuated_word":"With","sentiment":"positive","sentiment_score":0.3541138172149658},{"word":"you","start":2303.125,"end":2303.365,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4397766888141632},{"word":"in","start":2303.365,"end":2303.4448,"confidence":0.9760742,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4418502151966095},{"word":"that","start":2303.4448,"end":2303.6848,"confidence":0.9980469,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.45541590452194214},{"word":"growth","start":2303.6848,"end":2304.005,"confidence":0.99121094,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.4646528959274292},{"word":"environment","start":2304.005,"end":2304.505,"confidence":0.9995117,"punctuated_word":"environment,","sentiment":"positive","sentiment_score":0.41478878259658813},{"word":"that's","start":2304.645,"end":2304.9648,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.5017351508140564},{"word":"still","start":2304.9648,"end":2305.285,"confidence":1.0,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.4442344307899475},{"word":"fine","start":2305.285,"end":2305.525,"confidence":0.99902344,"punctuated_word":"fine","sentiment":"positive","sentiment_score":0.4870874583721161},{"word":"and","start":2305.525,"end":2305.765,"confidence":0.9370117,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.524889349937439},{"word":"okay","start":2305.765,"end":2306.265,"confidence":0.98999023,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.008188173174858093},{"word":"as","start":2306.4849,"end":2306.7249,"confidence":0.99902344,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.06234194338321686},{"word":"you","start":2306.7249,"end":2306.885,"confidence":0.86328125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09884471446275712},{"word":"get","start":2306.885,"end":2307.2048,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.07032691687345505},{"word":"closer","start":2307.2048,"end":2307.525,"confidence":0.92333984,"punctuated_word":"closer","sentiment":"neutral","sentiment_score":0.041290342807769775},{"word":"to","start":2307.525,"end":2307.6848,"confidence":0.98095703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12094173580408096},{"word":"that","start":2307.6848,"end":2307.845,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0833306536078453},{"word":"ten","start":2307.845,"end":2308.085,"confidence":0.99121094,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.06422793865203857},{"word":"year","start":2308.085,"end":2308.325,"confidence":0.9941406,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.04812216013669968},{"word":"time","start":2308.325,"end":2308.565,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.0694170743227005},{"word":"horizon","start":2308.565,"end":2309.065,"confidence":0.9995117,"punctuated_word":"horizon,","sentiment":"neutral","sentiment_score":0.0752849131822586},{"word":"i","start":2309.4448,"end":2309.525,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0910852551460266},{"word":"would","start":2309.525,"end":2309.765,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.1453341841697693},{"word":"definitely","start":2309.765,"end":2310.1648,"confidence":1.0,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.1238791197538376},{"word":"be","start":2310.1648,"end":2310.2449,"confidence":0.9892578,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1371718794107437},{"word":"telling","start":2310.2449,"end":2310.565,"confidence":0.9970703,"punctuated_word":"telling","sentiment":"neutral","sentiment_score":0.13996726274490356},{"word":"you","start":2310.565,"end":2310.645,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1647140234708786},{"word":"to","start":2310.645,"end":2310.805,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1351104974746704},{"word":"pull","start":2310.805,"end":2311.045,"confidence":0.99609375,"punctuated_word":"pull","sentiment":"neutral","sentiment_score":0.026600360870361328},{"word":"things","start":2311.045,"end":2311.285,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.054415345191955566},{"word":"back","start":2311.285,"end":2311.525,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.1141052097082138},{"word":"a","start":2311.525,"end":2311.605,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13766781985759735},{"word":"little","start":2311.605,"end":2311.845,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.08832328021526337},{"word":"bit","start":2311.845,"end":2311.9248,"confidence":0.89038086,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":0.13348883390426636},{"word":"and","start":2311.9248,"end":2312.085,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18200406432151792},{"word":"we'll","start":2312.085,"end":2312.325,"confidence":0.99658203,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.22158579528331757},{"word":"be","start":2312.325,"end":2312.4849,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.26412099599838257},{"word":"having","start":2312.4849,"end":2312.7249,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.31564080715179443},{"word":"that","start":2312.7249,"end":2312.9648,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2179041802883148},{"word":"conversation","start":2312.9648,"end":2313.4648,"confidence":1.0,"punctuated_word":"conversation","sentiment":"neutral","sentiment_score":0.26985567808151245},{"word":"more","start":2313.605,"end":2313.765,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.24625128507614136},{"word":"and","start":2313.765,"end":2313.9248,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21848711371421817},{"word":"more","start":2313.9248,"end":2314.2449,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.2359372079372406},{"word":"as","start":2314.2449,"end":2314.565,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2417449951171875},{"word":"as","start":2314.565,"end":2314.885,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.29164108633995056},{"word":"the","start":2314.885,"end":2315.045,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2525017559528351},{"word":"years","start":2315.045,"end":2315.4448,"confidence":0.9892578,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.16634327173233032},{"word":"go","start":2315.4448,"end":2315.765,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2593901455402374},{"word":"on","start":2315.765,"end":2316.1648,"confidence":0.99609375,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.21230995655059817},{"word":"so","start":2316.1648,"end":2316.6648,"confidence":0.98999023,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.19608519971370697},{"word":"you","start":2317.51,"end":2317.75,"confidence":0.95703125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08510351181030273},{"word":"know","start":2317.75,"end":2318.07,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.0955650359392166},{"word":"we","start":2318.07,"end":2318.31,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.002884224057197571},{"word":"don't","start":2318.31,"end":2318.55,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.09082508087158205},{"word":"wanna","start":2318.55,"end":2318.79,"confidence":0.9863281,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.1710045337677002},{"word":"keep","start":2318.79,"end":2319.11,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.28025153279304504},{"word":"you","start":2319.11,"end":2319.51,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.18235386908054352},{"word":"really","start":2319.51,"end":2319.83,"confidence":0.99902344,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.31126725673675537},{"word":"risky","start":2319.83,"end":2320.31,"confidence":0.99902344,"punctuated_word":"risky","sentiment":"negative","sentiment_score":-0.34354689717292786},{"word":"forever","start":2320.31,"end":2320.81,"confidence":0.99658203,"punctuated_word":"forever.","sentiment":"neutral","sentiment_score":-0.2108122706413269},{"word":"it's","start":2320.87,"end":2321.11,"confidence":1.0,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.01093534380197525},{"word":"about","start":2321.11,"end":2321.4302,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.018004685640335083},{"word":"making","start":2321.4302,"end":2321.75,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.0268765389919281},{"word":"sure","start":2321.75,"end":2321.9102,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.12162616848945618},{"word":"that","start":2321.9102,"end":2321.9902,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07561397552490234},{"word":"you're","start":2321.9902,"end":2322.31,"confidence":0.986084,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.02048209309577942},{"word":"invested","start":2322.31,"end":2322.79,"confidence":1.0,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":-0.06771944463253021},{"word":"in","start":2322.79,"end":2322.9502,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16941294074058533},{"word":"a","start":2322.9502,"end":2323.11,"confidence":0.9873047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19117096066474917},{"word":"comfort","start":2323.11,"end":2323.4302,"confidence":0.99609375,"punctuated_word":"comfort","sentiment":"neutral","sentiment_score":0.15064182877540588},{"word":"level","start":2323.4302,"end":2323.75,"confidence":0.86694336,"punctuated_word":"level,","sentiment":"neutral","sentiment_score":0.17422862350940704},{"word":"but","start":2323.75,"end":2324.2302,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.18373364210128784},{"word":"also","start":2324.2302,"end":2324.6301,"confidence":0.5991211,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.21272806823253632},{"word":"for","start":2324.6301,"end":2324.79,"confidence":0.734375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.18289563059806824},{"word":"the","start":2324.79,"end":2324.9502,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27664339542388916},{"word":"time","start":2324.9502,"end":2325.27,"confidence":0.99902344,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.1833551973104477},{"word":"horizon","start":2325.27,"end":2325.75,"confidence":0.99609375,"punctuated_word":"horizon","sentiment":"neutral","sentiment_score":0.16798236966133118},{"word":"that","start":2325.75,"end":2325.9902,"confidence":0.9892578,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2176048904657364},{"word":"you","start":2325.9902,"end":2326.1501,"confidence":0.60595703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.23643817007541656},{"word":"suit","start":2326.1501,"end":2326.4702,"confidence":0.7597656,"punctuated_word":"suit","sentiment":"neutral","sentiment_score":0.2959511876106262},{"word":"as","start":2326.4702,"end":2326.6301,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2386014759540558},{"word":"well","start":2326.6301,"end":2327.03,"confidence":0.9946289,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.08833269774913788},{"word":"so","start":2327.03,"end":2327.4302,"confidence":0.9506836,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.10915333777666092},{"word":"yeah","start":2327.4302,"end":2327.6702,"confidence":0.9980469,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.20833612978458405},{"word":"there's","start":2327.6702,"end":2328.07,"confidence":0.9970703,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.2472125142812729},{"word":"definitely","start":2328.07,"end":2328.55,"confidence":1.0,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.2970423698425293},{"word":"ways","start":2328.55,"end":2328.79,"confidence":0.9921875,"punctuated_word":"ways","sentiment":"neutral","sentiment_score":0.30706819891929626},{"word":"that","start":2328.79,"end":2328.9502,"confidence":1.0,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3442317545413971},{"word":"we","start":2328.9502,"end":2329.11,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2721400856971741},{"word":"can","start":2329.11,"end":2329.515,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.27321869134902954},{"word":"look","start":2329.595,"end":2329.755,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.20290112495422363},{"word":"at","start":2329.755,"end":2329.9148,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.20815789699554443},{"word":"that","start":2329.9148,"end":2329.9949,"confidence":0.9519043,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.1729651242494583},{"word":"and","start":2329.9949,"end":2330.1548,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13796305656433103},{"word":"it's","start":2330.1548,"end":2330.3948,"confidence":0.99902344,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.21436020731925964},{"word":"definitely","start":2330.3948,"end":2330.795,"confidence":1.0,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.1651861071586609},{"word":"different","start":2330.795,"end":2331.035,"confidence":0.9980469,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.15913450717926023},{"word":"for","start":2331.035,"end":2331.355,"confidence":0.88964844,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1797737032175064},{"word":"everyone","start":2331.355,"end":2331.755,"confidence":0.99902344,"punctuated_word":"everyone","sentiment":"neutral","sentiment_score":0.2724393308162689},{"word":"as","start":2331.755,"end":2331.9949,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.24609558284282684},{"word":"well","start":2331.9949,"end":2332.4749,"confidence":0.98950195,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1257743090391159},{"word":"so","start":2332.4749,"end":2332.875,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.11611458659172058},{"word":"yeah","start":2333.275,"end":2333.775,"confidence":0.9975586,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.13517622649669647},{"word":"yeah","start":2334.2349,"end":2334.7349,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12406571954488754},{"word":"but","start":2335.6748,"end":2335.835,"confidence":0.5969238,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.07258374989032745},{"word":"no","start":2335.835,"end":2336.075,"confidence":0.9772949,"punctuated_word":"no,","sentiment":"neutral","sentiment_score":0.00017772987484931946},{"word":"that's","start":2336.075,"end":2336.315,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.020477421581745148},{"word":"essentially","start":2336.315,"end":2336.795,"confidence":0.9604492,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.004016496241092682},{"word":"how","start":2336.795,"end":2337.115,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.013764433562755585},{"word":"those","start":2337.115,"end":2337.355,"confidence":0.99121094,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.13411279022693634},{"word":"sorts","start":2337.355,"end":2337.595,"confidence":0.7739258,"punctuated_word":"sorts","sentiment":"neutral","sentiment_score":0.06433723866939545},{"word":"of","start":2337.595,"end":2337.6748,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10808036476373672},{"word":"investments","start":2337.6748,"end":2338.1748,"confidence":0.99609375,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.03610023856163025},{"word":"work","start":2338.4749,"end":2338.9749,"confidence":0.9995117,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":0.09528283774852753},{"word":"as","start":2339.515,"end":2339.755,"confidence":0.96240234,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.12831318378448486},{"word":"i","start":2339.755,"end":2339.835,"confidence":0.98828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1412735879421234},{"word":"said","start":2339.835,"end":2340.075,"confidence":0.97314453,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.16492168605327606},{"word":"we'll","start":2340.075,"end":2340.3948,"confidence":0.9926758,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.27009958028793335},{"word":"sell","start":2340.3948,"end":2340.635,"confidence":0.98535156,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.212266743183136},{"word":"a","start":2340.635,"end":2340.7148,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2759127616882324},{"word":"bit","start":2340.7148,"end":2340.9548,"confidence":0.9980469,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2000906318426132},{"word":"of","start":2340.9548,"end":2341.035,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.24575600028038025},{"word":"the","start":2341.035,"end":2341.275,"confidence":0.6064453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23357969522476196},{"word":"gold","start":2341.275,"end":2341.775,"confidence":0.98413086,"punctuated_word":"gold.","sentiment":"neutral","sentiment_score":0.2112051546573639},{"word":"you've","start":2341.9949,"end":2342.315,"confidence":0.99609375,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":0.2900819480419159},{"word":"got","start":2342.315,"end":2342.4749,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.31163620948791504},{"word":"a","start":2342.4749,"end":2342.635,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.31042659282684326},{"word":"high","start":2342.635,"end":2342.875,"confidence":0.8774414,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.30612021684646606},{"word":"amount","start":2342.875,"end":2343.275,"confidence":0.9980469,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.3296830356121063},{"word":"of","start":2343.275,"end":2343.4348,"confidence":0.9902344,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.33859530091285706},{"word":"fixed","start":2343.4348,"end":2343.6748,"confidence":0.9970703,"punctuated_word":"fixed","sentiment":"neutral","sentiment_score":0.3049769103527069},{"word":"interest","start":2343.6748,"end":2344.075,"confidence":0.97314453,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.31706783175468445},{"word":"to","start":2344.075,"end":2344.2349,"confidence":0.57910156,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3503850996494293},{"word":"the","start":2344.2349,"end":2344.3948,"confidence":0.96435547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.32989728450775146},{"word":"vanguard","start":2344.3948,"end":2344.875,"confidence":0.92211914,"punctuated_word":"Vanguard.","sentiment":"neutral","sentiment_score":0.2402321994304657},{"word":"they","start":2344.875,"end":2345.035,"confidence":0.98535156,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.2801365554332733},{"word":"will","start":2345.035,"end":2345.37,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.23466476798057556},{"word":"sell","start":2345.4502,"end":2345.6902,"confidence":0.99121094,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.18594372272491455},{"word":"some","start":2345.6902,"end":2345.85,"confidence":0.9951172,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.16303732991218567},{"word":"of","start":2345.85,"end":2346.1702,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16162852942943573},{"word":"also","start":2346.25,"end":2346.57,"confidence":0.6425781,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.14331115782260895},{"word":"all","start":2346.57,"end":2346.7302,"confidence":0.8881836,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1658761203289032},{"word":"of","start":2346.7302,"end":2346.81,"confidence":0.9716797,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16487887501716614},{"word":"that","start":2346.81,"end":2347.05,"confidence":0.85839844,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.11910659074783324},{"word":"sorry","start":2347.05,"end":2347.55,"confidence":0.9970703,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":0.06613625586032867},{"word":"and","start":2348.1702,"end":2348.4102,"confidence":0.94189453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23895618319511416},{"word":"put","start":2348.4102,"end":2348.6501,"confidence":0.99902344,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.25819846987724304},{"word":"the","start":2348.6501,"end":2348.7302,"confidence":0.99316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28422415256500244},{"word":"money","start":2348.7302,"end":2349.2102,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.2414347529411316},{"word":"into","start":2349.2102,"end":2349.61,"confidence":1.0,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.28644347190856934},{"word":"the","start":2349.61,"end":2349.85,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28872692584991455},{"word":"core","start":2349.85,"end":2350.1702,"confidence":0.8442383,"punctuated_word":"core","sentiment":"neutral","sentiment_score":0.26457977294921875},{"word":"composite","start":2350.1702,"end":2350.6501,"confidence":0.96240234,"punctuated_word":"composite","sentiment":"neutral","sentiment_score":0.2955490052700043},{"word":"bonds","start":2350.6501,"end":2351.05,"confidence":0.875,"punctuated_word":"bonds","sentiment":"neutral","sentiment_score":0.27927371859550476},{"word":"because","start":2351.05,"end":2351.4502,"confidence":0.74316406,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.31516310572624207},{"word":"bonds","start":2351.4502,"end":2351.77,"confidence":0.9970703,"punctuated_word":"bonds","sentiment":"positive","sentiment_score":0.5429949760437012},{"word":"are","start":2351.77,"end":2352.01,"confidence":0.99902344,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.520948052406311},{"word":"doing","start":2352.01,"end":2352.25,"confidence":1.0,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.5345875024795532},{"word":"really","start":2352.25,"end":2352.4902,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.5686219930648804},{"word":"well","start":2352.4902,"end":2352.81,"confidence":1.0,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.5860213041305542},{"word":"at","start":2352.81,"end":2352.8901,"confidence":0.9980469,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.5324487090110779},{"word":"the","start":2352.8901,"end":2352.9702,"confidence":1.0,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5182365775108337},{"word":"moment","start":2352.9702,"end":2353.4702,"confidence":0.94555664,"punctuated_word":"moment,","sentiment":"positive","sentiment_score":0.4278855919837952},{"word":"and","start":2353.85,"end":2354.09,"confidence":0.984375,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.42036736011505127},{"word":"this","start":2354.09,"end":2354.25,"confidence":0.99902344,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.5329502820968628},{"word":"is","start":2354.25,"end":2354.4102,"confidence":0.9951172,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.475459337234497},{"word":"well","start":2354.4102,"end":2354.7302,"confidence":0.9980469,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.5097751617431641},{"word":"diversified","start":2354.7302,"end":2355.2302,"confidence":0.99902344,"punctuated_word":"diversified","sentiment":"positive","sentiment_score":0.41671237349510193},{"word":"for","start":2355.6902,"end":2355.85,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.45037642121315},{"word":"you","start":2355.85,"end":2356.35,"confidence":1.0,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.3738694190979004},{"word":"we'll","start":2356.9702,"end":2357.29,"confidence":0.9863281,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.25349491834640503},{"word":"keep","start":2357.29,"end":2357.61,"confidence":0.9921875,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.29341989755630493},{"word":"some","start":2357.61,"end":2357.85,"confidence":0.84814453,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.2756195366382599},{"word":"cyber","start":2357.85,"end":2358.25,"confidence":0.4921875,"punctuated_word":"cyber","sentiment":"neutral","sentiment_score":0.2060225605964661},{"word":"security","start":2358.25,"end":2358.75,"confidence":0.70666504,"punctuated_word":"security.","sentiment":"neutral","sentiment_score":0.17384403944015503},{"word":"just","start":2358.81,"end":2359.05,"confidence":0.8911133,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.2139669954776764},{"word":"bring","start":2359.05,"end":2359.2102,"confidence":0.9819336,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":0.2879800796508789},{"word":"you","start":2359.2102,"end":2359.4502,"confidence":0.82666016,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2801791727542877},{"word":"down","start":2359.4502,"end":2359.6902,"confidence":0.9980469,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.22923827171325684},{"word":"to","start":2359.6902,"end":2359.85,"confidence":0.9267578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.195913627743721},{"word":"five","start":2359.85,"end":2360.35,"confidence":0.9790039,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.21982169151306152},{"word":"to","start":2360.685,"end":2360.925,"confidence":0.83935547,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16502010822296145},{"word":"5%","start":2360.925,"end":2361.5652,"confidence":0.99658203,"punctuated_word":"5%","sentiment":"neutral","sentiment_score":0.2527356743812561},{"word":"there","start":2361.5652,"end":2361.885,"confidence":0.91186523,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.1858394891023636},{"word":"and","start":2361.885,"end":2362.125,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15697291493415833},{"word":"then","start":2362.125,"end":2362.2852,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.14325986802577972},{"word":"we'll","start":2362.2852,"end":2362.5251,"confidence":0.99853516,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.18707683682441711},{"word":"also","start":2362.5251,"end":2362.7651,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1494964063167572},{"word":"have","start":2362.7651,"end":2363.0051,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.18980711698532104},{"word":"some","start":2363.0051,"end":2363.245,"confidence":0.98828125,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1516963243484497},{"word":"european","start":2363.245,"end":2363.745,"confidence":0.984375,"punctuated_word":"European","sentiment":"neutral","sentiment_score":0.13572177290916443},{"word":"bringing","start":2364.5251,"end":2364.845,"confidence":0.3708496,"punctuated_word":"bringing","sentiment":"neutral","sentiment_score":0.18031299114227295},{"word":"you","start":2364.845,"end":2365.085,"confidence":0.96533203,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19932952523231504},{"word":"up","start":2365.085,"end":2365.245,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.17384913563728333},{"word":"to","start":2365.245,"end":2365.405,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15128950774669647},{"word":"8%","start":2365.405,"end":2366.145,"confidence":0.9926758,"punctuated_word":"8%.","sentiment":"neutral","sentiment_score":0.1748807430267334},{"word":"the","start":2366.685,"end":2367.0051,"confidence":0.7373047,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.15864206850528717},{"word":"ishares","start":2367.0051,"end":2367.5051,"confidence":0.84016925,"punctuated_word":"iShares,","sentiment":"neutral","sentiment_score":0.14546355605125427},{"word":"europe","start":2368.605,"end":2369.0051,"confidence":0.8232422,"punctuated_word":"Europe","sentiment":"neutral","sentiment_score":0.14717745780944824},{"word":"one","start":2369.0051,"end":2369.165,"confidence":0.7038574,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.1158296838402748},{"word":"the","start":2369.165,"end":2369.325,"confidence":0.8339844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1584179699420929},{"word":"miski","start":2369.325,"end":2369.725,"confidence":0.62371826,"punctuated_word":"Miski,","sentiment":"neutral","sentiment_score":0.15109246969223022},{"word":"we're","start":2369.725,"end":2369.965,"confidence":0.9970703,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.2088165283203125},{"word":"gonna","start":2369.965,"end":2370.205,"confidence":0.984375,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.24424482882022855},{"word":"sell","start":2370.205,"end":2370.5251,"confidence":0.99902344,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.1892760545015335},{"word":"all","start":2370.5251,"end":2370.7651,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.14010022580623627},{"word":"of","start":2370.7651,"end":2370.925,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1320982277393341},{"word":"that","start":2370.925,"end":2371.325,"confidence":0.99902344,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.12800660729408264},{"word":"we're","start":2371.325,"end":2371.5652,"confidence":0.9995117,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.20336127281188965},{"word":"gonna","start":2371.5652,"end":2371.885,"confidence":0.99609375,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.24155838787555697},{"word":"buy","start":2371.885,"end":2372.125,"confidence":1.0,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.15388208627700806},{"word":"a","start":2372.125,"end":2372.205,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19348447024822235},{"word":"bit","start":2372.205,"end":2372.445,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.11665771156549454},{"word":"more","start":2372.445,"end":2372.685,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.10841675102710724},{"word":"japan","start":2372.685,"end":2373.0051,"confidence":0.9921875,"punctuated_word":"Japan","sentiment":"neutral","sentiment_score":0.09499045461416245},{"word":"sorry","start":2373.165,"end":2373.5652,"confidence":0.5196533,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":0.12665307521820068},{"word":"sell","start":2373.5652,"end":2373.8052,"confidence":0.94970703,"punctuated_word":"Sell","sentiment":"neutral","sentiment_score":0.1620505154132843},{"word":"a","start":2373.8052,"end":2373.885,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16894543170928955},{"word":"bit","start":2373.885,"end":2374.125,"confidence":0.9941406,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1320987194776535},{"word":"of","start":2374.125,"end":2374.205,"confidence":0.9902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1537199467420578},{"word":"japan","start":2374.205,"end":2374.605,"confidence":0.9421387,"punctuated_word":"Japan,","sentiment":"neutral","sentiment_score":0.1459033191204071},{"word":"bring","start":2374.605,"end":2374.7651,"confidence":0.99316406,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":0.204868882894516},{"word":"you","start":2374.7651,"end":2374.925,"confidence":0.93603516,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2048220932483673},{"word":"down","start":2374.925,"end":2375.085,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.1966520994901657},{"word":"to","start":2375.085,"end":2375.245,"confidence":0.9633789,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17279498279094696},{"word":"5%","start":2375.245,"end":2375.8052,"confidence":0.9995117,"punctuated_word":"5%","sentiment":"neutral","sentiment_score":0.18432185053825376},{"word":"there","start":2375.8052,"end":2376.3052,"confidence":0.99365234,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.1593860387802124},{"word":"the","start":2376.81,"end":2376.97,"confidence":0.9892578,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.2096565216779709},{"word":"s","start":2376.97,"end":2377.05,"confidence":0.82128906,"punctuated_word":"S","sentiment":"neutral","sentiment_score":0.17520399391651154},{"word":"and","start":2377.05,"end":2377.21,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2273383736610413},{"word":"p","start":2377.21,"end":2377.53,"confidence":0.98291016,"punctuated_word":"P","sentiment":"neutral","sentiment_score":0.18692176043987271},{"word":"500","start":2377.53,"end":2378.1702,"confidence":0.9995117,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.24387089908123016},{"word":"will","start":2378.1702,"end":2378.4102,"confidence":0.8984375,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.21885976195335388},{"word":"bring","start":2378.4102,"end":2378.6501,"confidence":1.0,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":0.26763486862182617},{"word":"you","start":2378.6501,"end":2378.81,"confidence":0.9902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27811384201049805},{"word":"back","start":2378.81,"end":2378.97,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.2899954319000244},{"word":"down","start":2378.97,"end":2379.29,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.25826412439346313},{"word":"to","start":2379.29,"end":2379.4502,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2613392174243927},{"word":"about","start":2379.4502,"end":2379.85,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.24422752857208252},{"word":"30%","start":2379.85,"end":2380.59,"confidence":0.99316406,"punctuated_word":"30%.","sentiment":"neutral","sentiment_score":0.31680288910865784},{"word":"make","start":2380.73,"end":2380.97,"confidence":0.99902344,"punctuated_word":"Make","sentiment":"neutral","sentiment_score":0.23609492182731628},{"word":"sure","start":2380.97,"end":2381.1301,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.2793097198009491},{"word":"you've","start":2381.1301,"end":2381.37,"confidence":0.9980469,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.2921377718448639},{"word":"got","start":2381.37,"end":2381.53,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.2971031963825226},{"word":"some","start":2381.53,"end":2381.6902,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.2717698812484741},{"word":"of","start":2381.6902,"end":2381.77,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2730148434638977},{"word":"the","start":2381.77,"end":2382.01,"confidence":0.9863281,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28142961859703064},{"word":"all","start":2382.01,"end":2382.33,"confidence":0.86621094,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.24786387383937836},{"word":"world","start":2382.33,"end":2382.83,"confidence":0.98291016,"punctuated_word":"world","sentiment":"neutral","sentiment_score":0.2346927225589752},{"word":"index","start":2382.8901,"end":2383.37,"confidence":0.9716797,"punctuated_word":"index","sentiment":"neutral","sentiment_score":0.23813453316688535},{"word":"as","start":2383.37,"end":2383.53,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.27542826533317566},{"word":"well","start":2383.53,"end":2384.03,"confidence":0.79418945,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2316805124282837},{"word":"and","start":2384.25,"end":2384.49,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.17930471897125244},{"word":"then","start":2384.49,"end":2384.81,"confidence":0.91430664,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.18888655304908752},{"word":"again","start":2384.81,"end":2385.21,"confidence":1.0,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.1909748613834381},{"word":"we'll","start":2385.21,"end":2385.53,"confidence":0.9995117,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.2269276976585388},{"word":"keep","start":2385.53,"end":2385.6902,"confidence":0.97265625,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.23132626712322235},{"word":"some","start":2385.6902,"end":2386.1902,"confidence":0.8647461,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.2263537049293518},{"word":"we've","start":2386.49,"end":2386.6501,"confidence":0.87353516,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.25311779975891113},{"word":"got","start":2386.6501,"end":2386.8901,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.2543220520019531},{"word":"some","start":2386.8901,"end":2387.05,"confidence":0.9951172,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.231571301817894},{"word":"beta","start":2387.05,"end":2387.4502,"confidence":0.7421875,"punctuated_word":"beta","sentiment":"neutral","sentiment_score":0.23570863902568817},{"word":"shares","start":2387.4502,"end":2387.77,"confidence":0.9770508,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.17319117486476898},{"word":"a","start":2387.77,"end":2388.01,"confidence":0.8588867,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22532305121421817},{"word":"200","start":2388.01,"end":2388.6501,"confidence":0.99609375,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.20977374911308289},{"word":"in","start":2388.6501,"end":2388.81,"confidence":0.9951172,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2228716015815735},{"word":"there","start":2388.81,"end":2388.97,"confidence":0.99609375,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.23058368265628815},{"word":"as","start":2388.97,"end":2389.1301,"confidence":0.9902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2141875922679901},{"word":"well","start":2389.1301,"end":2389.37,"confidence":0.9980469,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.2430301308631897},{"word":"for","start":2389.37,"end":2389.53,"confidence":0.9453125,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.20697087049484253},{"word":"world","start":2389.53,"end":2389.85,"confidence":0.7495117,"punctuated_word":"world","sentiment":"neutral","sentiment_score":0.26166832447052},{"word":"diversification","start":2389.85,"end":2390.35,"confidence":0.9980469,"punctuated_word":"diversification","sentiment":"neutral","sentiment_score":0.3038610517978668},{"word":"and","start":2390.73,"end":2391.23,"confidence":0.9560547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.32327142357826233},{"word":"access","start":2391.365,"end":2391.525,"confidence":0.9404297,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.26545828580856323},{"word":"to","start":2391.525,"end":2391.6848,"confidence":0.97509766,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3217651844024658},{"word":"the","start":2391.6848,"end":2391.765,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27227312326431274},{"word":"australian","start":2391.765,"end":2392.265,"confidence":0.9970703,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.25791406631469727},{"word":"market","start":2392.4849,"end":2392.885,"confidence":0.9980469,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.2478521466255188},{"word":"as","start":2392.885,"end":2393.125,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.27025240659713745},{"word":"well","start":2393.125,"end":2393.625,"confidence":0.9975586,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.16912686824798584},{"word":"okay","start":2393.6848,"end":2394.1848,"confidence":0.96899414,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.09451223909854888},{"word":"your","start":2395.4448,"end":2395.845,"confidence":0.7788086,"punctuated_word":"Your","sentiment":"neutral","sentiment_score":0.006338268518447876},{"word":"your","start":2395.845,"end":2396.1648,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.03172765672206879},{"word":"cash","start":2396.1648,"end":2396.4849,"confidence":0.8359375,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.03231486678123474},{"word":"component","start":2396.4849,"end":2396.9849,"confidence":0.96777344,"punctuated_word":"component","sentiment":"neutral","sentiment_score":0.030987173318862915},{"word":"is","start":2397.045,"end":2397.285,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.010429054498672484},{"word":"still","start":2397.285,"end":2397.525,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.0519791841506958},{"word":"quite","start":2397.525,"end":2397.765,"confidence":1.0,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.004826590418815613},{"word":"high","start":2397.765,"end":2398.005,"confidence":0.9980469,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.061034590005874634},{"word":"as","start":2398.005,"end":2398.2449,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1290976107120514},{"word":"well","start":2398.2449,"end":2398.4849,"confidence":0.87280273,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.11733153462409972},{"word":"so","start":2398.4849,"end":2398.7249,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.11985988914966585},{"word":"we're","start":2398.7249,"end":2398.805,"confidence":0.99658203,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.13232026994228363},{"word":"gonna","start":2398.805,"end":2399.125,"confidence":0.984375,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.13914737105369568},{"word":"make","start":2399.125,"end":2399.285,"confidence":0.9980469,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.14453157782554626},{"word":"sure","start":2399.285,"end":2399.525,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.1696183681488037},{"word":"that","start":2399.525,"end":2399.6848,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.157361701130867},{"word":"we","start":2399.6848,"end":2399.845,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07130607962608337},{"word":"bring","start":2399.845,"end":2400.085,"confidence":1.0,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":0.1025838553905487},{"word":"that","start":2400.085,"end":2400.325,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1020478904247284},{"word":"down","start":2400.325,"end":2400.4849,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.06346908211708069},{"word":"to","start":2400.4849,"end":2400.645,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05274862051010132},{"word":"the","start":2400.645,"end":2400.805,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08744363486766815},{"word":"minimum","start":2400.805,"end":2401.2048,"confidence":1.0,"punctuated_word":"minimum","sentiment":"neutral","sentiment_score":-0.017144575715065002},{"word":"because","start":2401.2048,"end":2401.7048,"confidence":0.7011719,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.029515400528907776},{"word":"having","start":2402.005,"end":2402.4849,"confidence":0.99902344,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.1649976223707199},{"word":"a","start":2402.4849,"end":2402.645,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.20859643816947937},{"word":"lot","start":2402.645,"end":2402.805,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.23470787703990936},{"word":"of","start":2402.805,"end":2403.045,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2689586281776428},{"word":"money","start":2403.045,"end":2403.285,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.23655502498149872},{"word":"in","start":2403.285,"end":2403.57,"confidence":0.9013672,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.3301071524620056},{"word":"cash","start":2403.73,"end":2404.05,"confidence":1.0,"punctuated_word":"cash","sentiment":"negative","sentiment_score":-0.3376692533493042},{"word":"really","start":2404.05,"end":2404.53,"confidence":0.9980469,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.2748569846153259},{"word":"doesn't","start":2404.53,"end":2405.03,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.30359047651290894},{"word":"do","start":2405.09,"end":2405.25,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.33223775029182434},{"word":"anything","start":2405.25,"end":2405.6501,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.32062482833862305},{"word":"for","start":2405.6501,"end":2405.8901,"confidence":1.0,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.34563034772872925},{"word":"you","start":2405.8901,"end":2406.05,"confidence":0.99853516,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.2391676902770996},{"word":"it","start":2406.05,"end":2406.29,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.20643141865730288},{"word":"actually","start":2406.29,"end":2406.61,"confidence":0.9951172,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.1741296648979187},{"word":"costs","start":2406.61,"end":2406.85,"confidence":0.78515625,"punctuated_word":"costs","sentiment":"neutral","sentiment_score":-0.12135836482048036},{"word":"you","start":2406.85,"end":2407.01,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.16843600571155548},{"word":"money","start":2407.01,"end":2407.4102,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.11182937026023863},{"word":"by","start":2407.4102,"end":2407.57,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.22285133600234985},{"word":"having","start":2407.57,"end":2407.81,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.2897863984107971},{"word":"it","start":2407.81,"end":2407.97,"confidence":0.98095703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.222297340631485},{"word":"sitting","start":2407.97,"end":2408.21,"confidence":1.0,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.212846040725708},{"word":"in","start":2408.21,"end":2408.45,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.20283082127571103},{"word":"a","start":2408.45,"end":2408.53,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.19974899291992188},{"word":"cash","start":2408.53,"end":2408.85,"confidence":0.9980469,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.27092328667640686},{"word":"account","start":2408.85,"end":2409.1702,"confidence":0.99658203,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":-0.22248801589012143},{"word":"you","start":2409.1702,"end":2409.4102,"confidence":0.9970703,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.11778946965932846},{"word":"pay","start":2409.4102,"end":2409.9102,"confidence":0.9370117,"punctuated_word":"pay,","sentiment":"neutral","sentiment_score":-0.14240428805351257},{"word":"you","start":2410.05,"end":2410.21,"confidence":0.85595703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.14687824249267578},{"word":"know","start":2410.21,"end":2410.6902,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.19830021262168884},{"word":"fees","start":2410.6902,"end":2411.01,"confidence":0.9716797,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":-0.14063766598701477},{"word":"for","start":2411.01,"end":2411.09,"confidence":0.8203125,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.29663926362991333},{"word":"that","start":2411.09,"end":2411.1702,"confidence":0.9638672,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.16422972083091736},{"word":"but","start":2411.1702,"end":2411.33,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.09321986883878708},{"word":"you","start":2411.33,"end":2411.49,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.20381587743759155},{"word":"don't","start":2411.49,"end":2411.73,"confidence":0.9980469,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.17479869723320007},{"word":"get","start":2411.73,"end":2411.8901,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.19082079827785492},{"word":"any","start":2411.8901,"end":2412.1301,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.19302675127983093},{"word":"kind","start":2412.1301,"end":2412.37,"confidence":0.96435547,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.20809856057167053},{"word":"of","start":2412.37,"end":2412.45,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.21469025313854215},{"word":"return","start":2412.45,"end":2412.9302,"confidence":0.9902344,"punctuated_word":"return","sentiment":"neutral","sentiment_score":-0.0682569295167923},{"word":"for","start":2412.9302,"end":2413.1702,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1901615560054779},{"word":"it","start":2413.1702,"end":2413.49,"confidence":0.96875,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.12388303875923155},{"word":"so","start":2413.49,"end":2413.99,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.008823633193969727},{"word":"you","start":2414.37,"end":2414.53,"confidence":0.8330078,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0694541484117508},{"word":"do","start":2414.53,"end":2414.6902,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.11528280377388},{"word":"have","start":2414.6902,"end":2415.01,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07929269969463348},{"word":"quite","start":2415.01,"end":2415.49,"confidence":0.99316406,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.03261897712945938},{"word":"a","start":2415.49,"end":2415.6501,"confidence":0.92578125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12912508845329285},{"word":"lot","start":2415.6501,"end":2415.8901,"confidence":0.9741211,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.09000132977962494},{"word":"there","start":2415.8901,"end":2416.3901,"confidence":0.9736328,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.061574291437864304},{"word":"no","start":2418.905,"end":2419.385,"confidence":0.96850586,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2143803983926773},{"word":"yeah","start":2419.385,"end":2419.625,"confidence":1.0,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.12462128698825836},{"word":"it","start":2419.625,"end":2419.785,"confidence":1.0,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.1100391373038292},{"word":"would","start":2419.785,"end":2420.025,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.12630105018615723},{"word":"have","start":2420.025,"end":2420.185,"confidence":0.7011719,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.13373544812202454},{"word":"been","start":2420.185,"end":2420.345,"confidence":0.99902344,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.1092146933078766},{"word":"over","start":2420.345,"end":2420.585,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.04143264889717102},{"word":"the","start":2420.585,"end":2420.665,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08125615119934082},{"word":"course","start":2420.665,"end":2420.905,"confidence":0.99902344,"punctuated_word":"course","sentiment":"neutral","sentiment_score":-0.05297531187534332},{"word":"of","start":2420.905,"end":2421.065,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09744666516780852},{"word":"the","start":2421.065,"end":2421.225,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11407162249088287},{"word":"year","start":2421.225,"end":2421.705,"confidence":0.94433594,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.09172166883945464},{"word":"but","start":2421.705,"end":2421.945,"confidence":0.90283203,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.06413721293210983},{"word":"a","start":2421.945,"end":2422.025,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.012376543134450912},{"word":"lot","start":2422.025,"end":2422.185,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.014392800629138948},{"word":"of","start":2422.185,"end":2422.345,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0004930347204208374},{"word":"it","start":2422.345,"end":2422.505,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.008809685707092285},{"word":"was","start":2422.505,"end":2422.745,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.02020413428544998},{"word":"also","start":2422.745,"end":2423.245,"confidence":0.9980469,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.017080262303352356},{"word":"just","start":2423.385,"end":2423.785,"confidence":0.9890137,"punctuated_word":"just,","sentiment":"neutral","sentiment_score":-0.04187431558966637},{"word":"you","start":2423.785,"end":2423.945,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.040127161890268326},{"word":"know","start":2423.945,"end":2424.345,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.06423267722129822},{"word":"in","start":2424.345,"end":2424.665,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.03583533689379692},{"word":"cash","start":2424.665,"end":2424.985,"confidence":0.99902344,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.017193935811519623},{"word":"management","start":2424.985,"end":2425.485,"confidence":0.9909668,"punctuated_word":"management.","sentiment":"neutral","sentiment_score":-0.04926048591732979},{"word":"so","start":2425.705,"end":2426.105,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.028749138116836548},{"word":"the","start":2426.105,"end":2426.345,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0754782035946846},{"word":"super","start":2426.345,"end":2426.665,"confidence":0.66308594,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.10240891575813292},{"word":"funds","start":2426.665,"end":2426.985,"confidence":0.83203125,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.1060393452644348},{"word":"do","start":2426.985,"end":2427.225,"confidence":0.9165039,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10119962692260742},{"word":"cash","start":2427.225,"end":2427.625,"confidence":0.99902344,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.03781864792108536},{"word":"management","start":2427.625,"end":2428.125,"confidence":1.0,"punctuated_word":"management","sentiment":"neutral","sentiment_score":0.02730315923690796},{"word":"every","start":2428.185,"end":2428.505,"confidence":0.99902344,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.07200468331575394},{"word":"so","start":2428.505,"end":2428.745,"confidence":0.99609375,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.04959866777062416},{"word":"often","start":2428.745,"end":2429.245,"confidence":0.91967773,"punctuated_word":"often,","sentiment":"neutral","sentiment_score":0.04957424476742744},{"word":"and","start":2430.025,"end":2430.265,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.031280241906642914},{"word":"they'll","start":2430.265,"end":2430.585,"confidence":0.9592285,"punctuated_word":"they'll","sentiment":"neutral","sentiment_score":0.05021555349230766},{"word":"sell","start":2430.585,"end":2430.825,"confidence":0.99609375,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.049231573939323425},{"word":"an","start":2430.825,"end":2431.065,"confidence":0.66796875,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.03668447211384773},{"word":"investment","start":2431.065,"end":2431.565,"confidence":0.8129883,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":0.02882878854870796},{"word":"try","start":2431.625,"end":2431.865,"confidence":0.9941406,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.04610523581504822},{"word":"to","start":2431.865,"end":2432.025,"confidence":0.98828125,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0316951721906662},{"word":"re","start":2432.025,"end":2432.4,"confidence":0.32250977,"punctuated_word":"re","sentiment":"neutral","sentiment_score":0.020803142338991165},{"word":"reweight","start":2432.64,"end":2433.1199,"confidence":0.5152588,"punctuated_word":"reweight","sentiment":"neutral","sentiment_score":-0.027353592216968536},{"word":"or","start":2433.1199,"end":2433.3599,"confidence":0.9199219,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.009771302342414856},{"word":"rebalance","start":2433.3599,"end":2433.8599,"confidence":0.9866536,"punctuated_word":"rebalance","sentiment":"neutral","sentiment_score":-0.031029319390654564},{"word":"an","start":2434.0,"end":2434.16,"confidence":0.8676758,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.049918100237846375},{"word":"investment","start":2434.16,"end":2434.64,"confidence":0.89208984,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":-0.01950448751449585},{"word":"and","start":2434.64,"end":2434.88,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.002269156277179718},{"word":"the","start":2434.88,"end":2435.0398,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.008353270590305328},{"word":"difference","start":2435.0398,"end":2435.44,"confidence":0.9980469,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":-0.013445749878883362},{"word":"will","start":2435.44,"end":2435.5999,"confidence":0.9970703,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.001853346824645996},{"word":"go","start":2435.5999,"end":2435.76,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.005354151129722595},{"word":"back","start":2435.76,"end":2436.0,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.0101500004529953},{"word":"into","start":2436.0,"end":2436.3198,"confidence":0.9560547,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.018419578671455383},{"word":"cash","start":2436.3198,"end":2436.72,"confidence":0.99609375,"punctuated_word":"cash.","sentiment":"neutral","sentiment_score":-0.01613088697195053},{"word":"so","start":2436.72,"end":2437.22,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03640240803360939},{"word":"some","start":2437.44,"end":2437.5999,"confidence":0.9970703,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.0866861641407013},{"word":"of","start":2437.5999,"end":2437.76,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08828440308570862},{"word":"that","start":2437.76,"end":2437.92,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0842365175485611},{"word":"would","start":2437.92,"end":2438.16,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.059432025998830795},{"word":"have","start":2438.16,"end":2438.3198,"confidence":0.80371094,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07486052811145782},{"word":"been","start":2438.3198,"end":2438.5598,"confidence":0.9921875,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.0729428231716156},{"word":"dividends","start":2438.5598,"end":2439.0598,"confidence":0.9013672,"punctuated_word":"dividends","sentiment":"neutral","sentiment_score":0.07867823541164398},{"word":"paid","start":2439.2,"end":2439.52,"confidence":0.8017578,"punctuated_word":"paid.","sentiment":"neutral","sentiment_score":0.07856389880180359},{"word":"some","start":2439.52,"end":2439.76,"confidence":1.0,"punctuated_word":"Some","sentiment":"neutral","sentiment_score":0.04366118833422661},{"word":"of","start":2439.76,"end":2439.92,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03389430791139603},{"word":"it","start":2439.92,"end":2440.0,"confidence":0.9741211,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05024293065071106},{"word":"would","start":2440.0,"end":2440.24,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.022142622619867325},{"word":"have","start":2440.24,"end":2440.3198,"confidence":0.95947266,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04413837566971779},{"word":"been","start":2440.3198,"end":2440.72,"confidence":0.99609375,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.049753785133361816},{"word":"other","start":2440.72,"end":2441.0398,"confidence":0.9980469,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.005906745791435242},{"word":"things","start":2441.0398,"end":2441.3599,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.03653322532773018},{"word":"like","start":2441.3599,"end":2441.68,"confidence":0.81225586,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.025254294276237488},{"word":"you","start":2441.68,"end":2441.8398,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.004157647490501404},{"word":"know","start":2441.8398,"end":2442.16,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.012181375175714493},{"word":"cash","start":2442.16,"end":2442.5598,"confidence":0.9970703,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.023118630051612857},{"word":"is","start":2442.5598,"end":2442.72,"confidence":0.4567871,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.005962461233139038},{"word":"being","start":2442.72,"end":2443.22,"confidence":0.99609375,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.013241507112979887},{"word":"left","start":2443.3599,"end":2443.76,"confidence":0.9472656,"punctuated_word":"left","sentiment":"neutral","sentiment_score":0.01758025586605072},{"word":"out","start":2443.76,"end":2444.0,"confidence":0.98291016,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.03927280753850937},{"word":"by","start":2444.0,"end":2444.24,"confidence":0.9980469,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.00771089643239975},{"word":"the","start":2444.24,"end":2444.655,"confidence":0.94921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.006557554006576538},{"word":"the","start":2444.735,"end":2445.135,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.013603992760181429},{"word":"fund","start":2445.135,"end":2445.375,"confidence":0.88427734,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.011671900749206545},{"word":"doing","start":2445.375,"end":2445.875,"confidence":0.9941406,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.038421668112277985},{"word":"cash","start":2446.095,"end":2446.415,"confidence":0.9604492,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.01306840032339096},{"word":"management","start":2446.415,"end":2446.915,"confidence":1.0,"punctuated_word":"management","sentiment":"neutral","sentiment_score":-0.018426015973091125},{"word":"re","start":2447.215,"end":2447.455,"confidence":0.65478516,"punctuated_word":"re","sentiment":"neutral","sentiment_score":0.04878725856542587},{"word":"and","start":2447.855,"end":2448.0151,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.004059009253978729},{"word":"rebalances","start":2448.0151,"end":2448.5151,"confidence":0.8391927,"punctuated_word":"rebalances","sentiment":"neutral","sentiment_score":0.01486025471240282},{"word":"and","start":2448.655,"end":2448.815,"confidence":0.9741211,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.017689712345600128},{"word":"things","start":2448.815,"end":2449.135,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.0013138055801391602},{"word":"like","start":2449.135,"end":2449.295,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.009126141667366028},{"word":"that","start":2449.295,"end":2449.795,"confidence":0.99609375,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.04019860923290253},{"word":"okay","start":2449.855,"end":2450.355,"confidence":0.96191406,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.050610363483428955},{"word":"yeah","start":2450.495,"end":2450.995,"confidence":0.9941406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2102206349372864},{"word":"all","start":2452.415,"end":2452.655,"confidence":0.9658203,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.5962586402893066},{"word":"good","start":2452.655,"end":2453.155,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5976648330688477},{"word":"yeah","start":2454.815,"end":2455.215,"confidence":0.94262695,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2598934471607208},{"word":"so","start":2455.215,"end":2455.455,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12560583651065826},{"word":"this","start":2455.455,"end":2455.695,"confidence":0.9902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.08546549826860428},{"word":"is","start":2455.695,"end":2455.855,"confidence":0.98535156,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08515958487987518},{"word":"essentially","start":2455.855,"end":2456.335,"confidence":0.9301758,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.07971294969320297},{"word":"the","start":2456.335,"end":2456.495,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07134488224983215},{"word":"major","start":2456.495,"end":2456.815,"confidence":0.9921875,"punctuated_word":"major","sentiment":"neutral","sentiment_score":0.09188472479581831},{"word":"changes","start":2456.815,"end":2457.295,"confidence":0.9819336,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.09992486983537674},{"word":"there","start":2457.295,"end":2457.615,"confidence":0.9921875,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.10669802129268646},{"word":"i'll","start":2457.615,"end":2457.855,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.12392925471067429},{"word":"show","start":2457.855,"end":2458.095,"confidence":1.0,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.16958534717559814},{"word":"you","start":2458.095,"end":2458.415,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1996704488992691},{"word":"why","start":2458.415,"end":2458.655,"confidence":1.0,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.15237011015415192},{"word":"i've","start":2458.655,"end":2458.895,"confidence":0.9980469,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.16946446895599365},{"word":"made","start":2458.895,"end":2459.215,"confidence":1.0,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.1962684541940689},{"word":"these","start":2459.215,"end":2459.52,"confidence":0.99902344,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.18869417905807495},{"word":"changes","start":2459.68,"end":2460.08,"confidence":0.99853516,"punctuated_word":"changes.","sentiment":"neutral","sentiment_score":0.1241588145494461},{"word":"if","start":2460.08,"end":2460.4,"confidence":1.0,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.03824412822723389},{"word":"you","start":2460.4,"end":2460.56,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.025451652705669403},{"word":"go","start":2460.56,"end":2460.8,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.04205488786101341},{"word":"down","start":2460.8,"end":2461.04,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.03991890326142311},{"word":"to","start":2461.04,"end":2461.28,"confidence":0.90722656,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.026720918715000153},{"word":"page","start":2461.28,"end":2461.68,"confidence":0.99902344,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.031897641718387604},{"word":"36","start":2461.68,"end":2462.48,"confidence":0.9995117,"punctuated_word":"36","sentiment":"neutral","sentiment_score":0.02030099183320999},{"word":"for","start":2462.48,"end":2462.72,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.00860186293721199},{"word":"me","start":2462.72,"end":2463.22,"confidence":0.7998047,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.04206019267439842},{"word":"and","start":2464.4,"end":2464.56,"confidence":0.59765625,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.007030293345451355},{"word":"this","start":2464.56,"end":2464.8,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.06004404276609421},{"word":"is","start":2464.8,"end":2464.8801,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03317367285490036},{"word":"something","start":2464.8801,"end":2465.28,"confidence":0.99902344,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.021914884448051453},{"word":"that's","start":2465.28,"end":2465.44,"confidence":0.9291992,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.06482740491628647},{"word":"not","start":2465.44,"end":2465.68,"confidence":0.9980469,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.10892071574926376},{"word":"really","start":2465.68,"end":2465.92,"confidence":0.99609375,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.12415868043899536},{"word":"important","start":2465.92,"end":2466.16,"confidence":0.82714844,"punctuated_word":"important","sentiment":"neutral","sentiment_score":-0.11083261668682098},{"word":"in","start":2466.16,"end":2466.32,"confidence":0.625,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.08591628074645996},{"word":"any","start":2466.32,"end":2466.48,"confidence":0.98535156,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.0533837229013443},{"word":"of","start":2466.48,"end":2466.56,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0184624046087265},{"word":"the","start":2466.56,"end":2466.72,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.008168414235115051},{"word":"other","start":2466.72,"end":2466.96,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.08483799546957016},{"word":"plans","start":2466.96,"end":2467.2,"confidence":0.80981445,"punctuated_word":"plans.","sentiment":"neutral","sentiment_score":0.024917088449001312},{"word":"it's","start":2467.2,"end":2467.44,"confidence":0.9658203,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.14502939581871033},{"word":"something","start":2467.44,"end":2467.76,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.17612552642822266},{"word":"i","start":2467.76,"end":2467.92,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19744621217250824},{"word":"like","start":2467.92,"end":2468.24,"confidence":0.97265625,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.26526859402656555},{"word":"to","start":2468.24,"end":2468.32,"confidence":0.98535156,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.27365344762802124},{"word":"do","start":2468.32,"end":2468.56,"confidence":0.9577637,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.2832973599433899},{"word":"it's","start":2468.56,"end":2468.72,"confidence":0.99609375,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.2564539909362793},{"word":"kind","start":2468.72,"end":2468.96,"confidence":0.99609375,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.29027730226516724},{"word":"of","start":2468.96,"end":2469.2,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2895851731300354},{"word":"modeling","start":2469.2,"end":2469.7,"confidence":0.9921875,"punctuated_word":"modeling","sentiment":"neutral","sentiment_score":0.3112495541572571},{"word":"out","start":2469.84,"end":2470.08,"confidence":0.8496094,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.2696852684020996},{"word":"to","start":2470.08,"end":2470.32,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2417106330394745},{"word":"show","start":2470.32,"end":2470.6401,"confidence":1.0,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.22760751843452456},{"word":"you","start":2470.6401,"end":2471.1401,"confidence":0.9975586,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.23106899857521057},{"word":"you","start":2471.28,"end":2471.44,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18209372460842133},{"word":"know","start":2471.44,"end":2471.68,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.2109544575214386},{"word":"where","start":2471.68,"end":2471.92,"confidence":0.99902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.2350805699825287},{"word":"we're","start":2471.92,"end":2472.16,"confidence":0.9975586,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.19999432563781736},{"word":"kinda","start":2472.16,"end":2472.56,"confidence":0.8017578,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.21552924811840057},{"word":"tracking","start":2472.56,"end":2473.06,"confidence":0.75390625,"punctuated_word":"tracking.","sentiment":"neutral","sentiment_score":0.2033692896366119},{"word":"and","start":2474.445,"end":2474.6052,"confidence":0.9770508,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2348586618900299},{"word":"if","start":2474.6052,"end":2474.8452,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2533768117427826},{"word":"these","start":2474.8452,"end":2475.3452,"confidence":0.99902344,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.28284913301467896},{"word":"investments","start":2475.645,"end":2476.145,"confidence":0.99902344,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.20243415236473083},{"word":"perform","start":2476.2852,"end":2476.7852,"confidence":0.9633789,"punctuated_word":"perform","sentiment":"neutral","sentiment_score":0.28963789343833923},{"word":"the","start":2476.8452,"end":2477.0051,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.33012083172798157},{"word":"way","start":2477.0051,"end":2477.405,"confidence":0.99609375,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.3395944833755493},{"word":"we","start":2477.405,"end":2477.645,"confidence":0.99121094,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.21137768030166623},{"word":"want","start":2477.645,"end":2477.885,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.32333847880363464},{"word":"them","start":2477.885,"end":2478.0452,"confidence":1.0,"punctuated_word":"them","sentiment":"positive","sentiment_score":0.35710492730140686},{"word":"to","start":2478.0452,"end":2478.2852,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3247237205505371},{"word":"the","start":2478.2852,"end":2478.365,"confidence":0.6015625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.33219096064567566},{"word":"way","start":2478.365,"end":2478.6052,"confidence":0.99902344,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.3158617317676544},{"word":"they","start":2478.6052,"end":2478.685,"confidence":0.9980469,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.28793373703956604},{"word":"have","start":2478.685,"end":2479.0051,"confidence":0.99609375,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.29769575595855713},{"word":"over","start":2479.0051,"end":2479.245,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.28564828634262085},{"word":"the","start":2479.245,"end":2479.405,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23186340928077695},{"word":"past","start":2479.405,"end":2479.8052,"confidence":0.9975586,"punctuated_word":"past,","sentiment":"neutral","sentiment_score":0.2546268403530121},{"word":"we","start":2479.8052,"end":2479.965,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2385103702545166},{"word":"can","start":2479.965,"end":2480.205,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2336685061454773},{"word":"kinda","start":2480.205,"end":2480.6052,"confidence":0.6879883,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.22859181463718417},{"word":"see","start":2480.6052,"end":2480.8452,"confidence":0.9863281,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.2665645182132721},{"word":"that","start":2480.8452,"end":2481.0852,"confidence":0.9873047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.214860737323761},{"word":"as","start":2481.0852,"end":2481.245,"confidence":0.9633789,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.21646717190742493},{"word":"you","start":2481.245,"end":2481.405,"confidence":0.93408203,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19822096824645996},{"word":"get","start":2481.405,"end":2481.645,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.17574825882911682},{"word":"to","start":2481.645,"end":2481.725,"confidence":0.8774414,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15775591135025024},{"word":"those","start":2481.725,"end":2482.125,"confidence":0.9980469,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.1633758842945099},{"word":"retirement","start":2482.125,"end":2482.625,"confidence":0.9941406,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.08619581162929535},{"word":"years","start":2482.7651,"end":2483.2651,"confidence":0.8342285,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.20339316129684448},{"word":"what","start":2483.725,"end":2483.965,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2583472430706024},{"word":"kinda","start":2483.965,"end":2484.445,"confidence":0.60302734,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.14682412147521973},{"word":"income","start":2484.445,"end":2484.945,"confidence":0.9980469,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.1406838446855545},{"word":"you","start":2485.0852,"end":2485.3252,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16934461891651154},{"word":"could","start":2485.3252,"end":2485.485,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.20364484190940857},{"word":"be","start":2485.485,"end":2485.645,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.23961099982261655},{"word":"able","start":2485.645,"end":2485.965,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.25780829787254333},{"word":"to","start":2485.965,"end":2486.125,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2325865626335144},{"word":"draw","start":2486.125,"end":2486.365,"confidence":0.9980469,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.18423545360565183},{"word":"down","start":2486.365,"end":2486.73,"confidence":0.9707031,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":0.17896221578121185},{"word":"i've","start":2486.73,"end":2486.97,"confidence":0.99902344,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.13352468609809875},{"word":"had","start":2486.97,"end":2487.0498,"confidence":0.9980469,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.11429533362388612},{"word":"a","start":2487.0498,"end":2487.13,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1095196008682251},{"word":"bit","start":2487.13,"end":2487.21,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.10025888681411745},{"word":"of","start":2487.21,"end":2487.45,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0978400781750679},{"word":"a","start":2487.45,"end":2487.53,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07097901403903961},{"word":"look","start":2487.53,"end":2487.77,"confidence":0.8286133,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.07046428322792053},{"word":"and","start":2487.77,"end":2488.09,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07350263744592667},{"word":"based","start":2488.09,"end":2488.25,"confidence":0.9980469,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.09442376345396042},{"word":"on","start":2488.25,"end":2488.49,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1036490797996521},{"word":"the","start":2488.49,"end":2488.65,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09140468388795853},{"word":"assets","start":2488.65,"end":2488.97,"confidence":0.98291016,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.10091213881969452},{"word":"that","start":2488.97,"end":2489.13,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10713107883930206},{"word":"we","start":2489.13,"end":2489.3699,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09933871775865556},{"word":"have","start":2489.3699,"end":2489.6099,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12273116409778596},{"word":"noted","start":2489.6099,"end":2490.1099,"confidence":0.9980469,"punctuated_word":"noted,","sentiment":"neutral","sentiment_score":0.13822561502456665},{"word":"you","start":2490.33,"end":2490.57,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16534247994422913},{"word":"will","start":2490.57,"end":2490.73,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.15776416659355164},{"word":"be","start":2490.73,"end":2490.97,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.16221705079078674},{"word":"eligible","start":2490.97,"end":2491.45,"confidence":1.0,"punctuated_word":"eligible","sentiment":"neutral","sentiment_score":0.1625288724899292},{"word":"for","start":2491.45,"end":2491.6099,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13314619660377502},{"word":"a","start":2491.6099,"end":2491.69,"confidence":0.93359375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11697231233119965},{"word":"bit","start":2491.69,"end":2491.85,"confidence":0.64501953,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.09411783516407012},{"word":"of","start":2491.85,"end":2492.01,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09592188894748688},{"word":"central","start":2492.01,"end":2492.33,"confidence":0.6347656,"punctuated_word":"central","sentiment":"neutral","sentiment_score":0.10452038049697876},{"word":"income","start":2492.33,"end":2492.83,"confidence":0.90966797,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":0.09716089069843292},{"word":"so","start":2494.17,"end":2494.41,"confidence":0.8720703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08600892126560211},{"word":"this","start":2494.41,"end":2494.65,"confidence":0.9970703,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.08772167563438416},{"word":"shows","start":2494.65,"end":2495.13,"confidence":0.99609375,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.0733821839094162},{"word":"if","start":2495.13,"end":2495.21,"confidence":0.3869629,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1071774959564209},{"word":"we","start":2495.21,"end":2495.3699,"confidence":0.6972656,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10313673317432404},{"word":"are","start":2495.3699,"end":2495.53,"confidence":0.8510742,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.10336777567863464},{"word":"to","start":2495.53,"end":2495.69,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.102773979306221},{"word":"get","start":2495.69,"end":2496.01,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.08198649436235428},{"word":"some","start":2496.01,"end":2496.17,"confidence":0.9970703,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.05330176651477814},{"word":"age","start":2496.17,"end":2496.49,"confidence":0.49365234,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.015461958944797516},{"word":"pension","start":2496.49,"end":2496.99,"confidence":0.9941406,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.03696995228528976},{"word":"all","start":2497.05,"end":2497.21,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.07508906722068787},{"word":"the","start":2497.21,"end":2497.3699,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07507586479187012},{"word":"way","start":2497.3699,"end":2497.6099,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.08415751159191132},{"word":"through","start":2497.6099,"end":2497.85,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.05953599885106087},{"word":"and","start":2498.49,"end":2498.73,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07564155757427216},{"word":"when","start":2498.73,"end":2498.89,"confidence":0.9921875,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.08607614785432816},{"word":"we","start":2498.89,"end":2499.13,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09073483943939208},{"word":"kind","start":2499.13,"end":2499.29,"confidence":0.9760742,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.08484962582588196},{"word":"of","start":2499.29,"end":2499.53,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07510679960250854},{"word":"originally","start":2499.53,"end":2500.01,"confidence":1.0,"punctuated_word":"originally","sentiment":"neutral","sentiment_score":0.05251538008451462},{"word":"spoke","start":2500.01,"end":2500.33,"confidence":0.99609375,"punctuated_word":"spoke,","sentiment":"neutral","sentiment_score":0.06449420750141144},{"word":"we","start":2500.33,"end":2500.49,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07069200277328491},{"word":"were","start":2500.49,"end":2500.65,"confidence":0.9941406,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.058320194482803345},{"word":"looking","start":2500.65,"end":2501.05,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.0833606868982315},{"word":"for","start":2501.05,"end":2501.3699,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11310911178588869},{"word":"a","start":2501.3699,"end":2501.53,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13615064322948456},{"word":"regular","start":2501.53,"end":2502.03,"confidence":1.0,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":0.18309752643108368},{"word":"weekly","start":2502.525,"end":2502.845,"confidence":1.0,"punctuated_word":"weekly","sentiment":"neutral","sentiment_score":0.13869333267211914},{"word":"income","start":2502.845,"end":2503.325,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.17571955919265747},{"word":"of","start":2503.325,"end":2503.565,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16517004370689392},{"word":"a","start":2503.565,"end":2503.645,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20497465133666992},{"word":"thousand","start":2503.645,"end":2504.125,"confidence":0.9980469,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.19164586067199707},{"word":"dollars","start":2504.125,"end":2504.4448,"confidence":0.99902344,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":0.2390693426132202},{"word":"per","start":2504.4448,"end":2504.6848,"confidence":1.0,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.22868546843528748},{"word":"week","start":2504.6848,"end":2505.085,"confidence":1.0,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.17693665623664856},{"word":"from","start":2505.085,"end":2505.325,"confidence":0.99902344,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.1943359225988388},{"word":"both","start":2505.325,"end":2505.565,"confidence":0.99902344,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.17894676327705383},{"word":"of","start":2505.565,"end":2505.7249,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18564054369926453},{"word":"your","start":2505.7249,"end":2505.9648,"confidence":0.99121094,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.17117071151733398},{"word":"spaces","start":2505.9648,"end":2506.4648,"confidence":0.40454102,"punctuated_word":"spaces","sentiment":"neutral","sentiment_score":0.12409380823373796},{"word":"combined","start":2506.525,"end":2507.025,"confidence":0.9970703,"punctuated_word":"combined","sentiment":"neutral","sentiment_score":0.1752779185771942},{"word":"and","start":2507.7249,"end":2507.885,"confidence":0.6064453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15965649485588074},{"word":"how","start":2507.885,"end":2508.125,"confidence":0.99609375,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.1348956972360611},{"word":"long","start":2508.125,"end":2508.285,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.15384551882743835},{"word":"that","start":2508.285,"end":2508.4448,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17454053461551666},{"word":"was","start":2508.4448,"end":2508.605,"confidence":0.984375,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.10699838399887084},{"word":"gonna","start":2508.605,"end":2508.9248,"confidence":0.99609375,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.19665215909481049},{"word":"last","start":2508.9248,"end":2509.1648,"confidence":0.9941406,"punctuated_word":"last.","sentiment":"neutral","sentiment_score":0.16156695783138275},{"word":"so","start":2509.1648,"end":2509.325,"confidence":0.7270508,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.18346157670021057},{"word":"this","start":2509.325,"end":2509.645,"confidence":0.99609375,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.19548463821411133},{"word":"shows","start":2509.645,"end":2510.125,"confidence":0.9760742,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.13894402980804443},{"word":"if","start":2510.125,"end":2510.285,"confidence":0.82177734,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.24299082159996033},{"word":"we","start":2510.285,"end":2510.4448,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2165981233119965},{"word":"make","start":2510.4448,"end":2510.6848,"confidence":0.9921875,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.2689398229122162},{"word":"these","start":2510.6848,"end":2511.005,"confidence":0.99902344,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.24320614337921145},{"word":"changes","start":2511.005,"end":2511.505,"confidence":1.0,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.18082642555236816},{"word":"and","start":2511.565,"end":2511.805,"confidence":0.89453125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2201404869556427},{"word":"if","start":2511.805,"end":2512.045,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2454994022846222},{"word":"the","start":2512.045,"end":2512.2048,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20215550065040588},{"word":"markets","start":2512.2048,"end":2512.6848,"confidence":0.8408203,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":0.1758989840745926},{"word":"work","start":2512.6848,"end":2512.9248,"confidence":0.9604492,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.2583886981010437},{"word":"the","start":2512.9248,"end":2513.085,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25235384702682495},{"word":"way","start":2513.085,"end":2513.325,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.23010261356830597},{"word":"they","start":2513.325,"end":2513.4849,"confidence":0.9980469,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.17846883833408356},{"word":"have","start":2513.4849,"end":2513.805,"confidence":0.8161621,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":0.2262406945228577},{"word":"and","start":2513.805,"end":2514.125,"confidence":0.9873047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2263628989458084},{"word":"we'll","start":2514.125,"end":2514.365,"confidence":0.9941406,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.21355412900447843},{"word":"keep","start":2514.365,"end":2514.6848,"confidence":0.99902344,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.23534180223941803},{"word":"tracking","start":2514.6848,"end":2515.085,"confidence":0.99902344,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.23148144781589508},{"word":"and","start":2515.085,"end":2515.2449,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21433191001415253},{"word":"looking","start":2515.2449,"end":2515.565,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.23991379141807556},{"word":"at","start":2515.565,"end":2515.7249,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2147424966096878},{"word":"everything","start":2515.7249,"end":2516.2249,"confidence":0.92944336,"punctuated_word":"everything,","sentiment":"neutral","sentiment_score":0.16134598851203918},{"word":"you","start":2517.13,"end":2517.21,"confidence":0.984375,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.09866517782211304},{"word":"could","start":2517.21,"end":2517.45,"confidence":0.9980469,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.14124497771263125},{"word":"be","start":2517.45,"end":2517.77,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.24704763293266296},{"word":"eligible","start":2517.77,"end":2518.17,"confidence":1.0,"punctuated_word":"eligible","sentiment":"neutral","sentiment_score":0.27439939975738525},{"word":"for","start":2518.17,"end":2518.41,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2967916429042816},{"word":"some","start":2518.41,"end":2518.57,"confidence":0.9970703,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.15439343452453613},{"word":"age","start":2518.57,"end":2518.89,"confidence":0.66796875,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.11611943691968918},{"word":"pension","start":2518.89,"end":2519.29,"confidence":0.99902344,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.16723254323005676},{"word":"there","start":2519.29,"end":2519.79,"confidence":0.8417969,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.1730547696352005},{"word":"and","start":2520.33,"end":2520.49,"confidence":0.9760742,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22486063838005063},{"word":"then","start":2520.49,"end":2520.65,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.22684699296951297},{"word":"we","start":2520.65,"end":2520.81,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.3000243008136749},{"word":"can","start":2520.81,"end":2520.97,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.29847681522369385},{"word":"also","start":2520.97,"end":2521.3699,"confidence":0.99902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.25044503808021545},{"word":"draw","start":2521.3699,"end":2521.69,"confidence":1.0,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.3102884292602539},{"word":"some","start":2521.69,"end":2522.01,"confidence":0.99316406,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.23574328422546387},{"word":"income","start":2522.01,"end":2522.49,"confidence":1.0,"punctuated_word":"income","sentiment":"positive","sentiment_score":0.3339642882347107},{"word":"out","start":2522.49,"end":2522.73,"confidence":0.97314453,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.31519004702568054},{"word":"of","start":2522.73,"end":2522.81,"confidence":0.9873047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.312494695186615},{"word":"both","start":2522.81,"end":2523.05,"confidence":0.99121094,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.29671525955200195},{"word":"of","start":2523.05,"end":2523.21,"confidence":0.9921875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.29220855236053467},{"word":"your","start":2523.21,"end":2523.53,"confidence":0.99316406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2919439971446991},{"word":"supers","start":2523.53,"end":2523.85,"confidence":0.41357422,"punctuated_word":"supers","sentiment":"neutral","sentiment_score":0.23714545369148257},{"word":"to","start":2523.85,"end":2524.01,"confidence":0.92333984,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.25374239683151245},{"word":"supplement","start":2524.01,"end":2524.51,"confidence":0.95825195,"punctuated_word":"supplement.","sentiment":"neutral","sentiment_score":0.035480838268995285},{"word":"and","start":2525.21,"end":2525.3699,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.043863169848918915},{"word":"we","start":2525.3699,"end":2525.53,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04525114595890045},{"word":"can","start":2525.53,"end":2525.77,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.04494800046086311},{"word":"see","start":2525.77,"end":2526.01,"confidence":0.9951172,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.0577453151345253},{"word":"here","start":2526.01,"end":2526.41,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.05178527161478996},{"word":"that","start":2526.41,"end":2526.91,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04150376096367836},{"word":"your","start":2526.97,"end":2527.29,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05811566114425659},{"word":"supers","start":2527.29,"end":2527.69,"confidence":0.99609375,"punctuated_word":"supers","sentiment":"neutral","sentiment_score":0.06995591521263123},{"word":"are","start":2527.69,"end":2527.85,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.03456013649702072},{"word":"expected","start":2527.85,"end":2528.35,"confidence":1.0,"punctuated_word":"expected","sentiment":"neutral","sentiment_score":0.024712981656193733},{"word":"to","start":2528.41,"end":2528.57,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.024644825607538223},{"word":"last","start":2528.57,"end":2528.89,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.025500642135739326},{"word":"until","start":2528.89,"end":2529.29,"confidence":0.9980469,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.01412440836429596},{"word":"about","start":2529.29,"end":2529.6099,"confidence":0.7939453,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.014608722180128098},{"word":"age","start":2529.6099,"end":2529.93,"confidence":0.99316406,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.02085474878549576},{"word":"91","start":2529.93,"end":2530.83,"confidence":0.9071045,"punctuated_word":"91.","sentiment":"neutral","sentiment_score":0.01409514807164669},{"word":"and","start":2531.53,"end":2532.03,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.03608269244432449},{"word":"we're","start":2532.9749,"end":2533.295,"confidence":0.97631836,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.002501311479136348},{"word":"working","start":2533.295,"end":2533.6948,"confidence":0.98828125,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.05034572631120682},{"word":"on","start":2533.6948,"end":2533.855,"confidence":0.99609375,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.025238335132598877},{"word":"a","start":2533.855,"end":2534.015,"confidence":0.79052734,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.00868409313261509},{"word":"projected","start":2534.015,"end":2534.515,"confidence":0.9951172,"punctuated_word":"projected","sentiment":"neutral","sentiment_score":-0.005006074905395508},{"word":"income","start":2534.575,"end":2534.9749,"confidence":0.9970703,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.008330799639225006},{"word":"of","start":2534.9749,"end":2535.1348,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.024262402206659317},{"word":"52,000","start":2535.1348,"end":2536.1748,"confidence":0.9973958,"punctuated_word":"52,000","sentiment":"neutral","sentiment_score":0.0002924371510744095},{"word":"per","start":2536.1748,"end":2536.4949,"confidence":0.99902344,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.005262870341539383},{"word":"year","start":2536.4949,"end":2536.8948,"confidence":0.9812012,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.0092609915882349},{"word":"this","start":2536.8948,"end":2537.1348,"confidence":1.0,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.006266377866268158},{"word":"is","start":2537.1348,"end":2537.375,"confidence":0.9951172,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.014508500695228577},{"word":"estimating","start":2537.375,"end":2537.875,"confidence":0.9980469,"punctuated_word":"estimating","sentiment":"neutral","sentiment_score":0.0316709503531456},{"word":"that","start":2537.9348,"end":2538.095,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.037308044731616974},{"word":"you","start":2538.095,"end":2538.255,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04172163084149361},{"word":"could","start":2538.255,"end":2538.575,"confidence":0.9970703,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.02118405699729919},{"word":"exceed","start":2538.575,"end":2538.9749,"confidence":0.9941406,"punctuated_word":"exceed","sentiment":"neutral","sentiment_score":0.04069085791707039},{"word":"that","start":2538.9749,"end":2539.2148,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.001057509332895279},{"word":"and","start":2539.2148,"end":2539.4548,"confidence":0.9741211,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.014282770454883575},{"word":"draw","start":2539.4548,"end":2539.855,"confidence":0.9980469,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.006984546780586243},{"word":"80,205","start":2539.855,"end":2541.6948,"confidence":0.99869794,"punctuated_word":"80,205","sentiment":"neutral","sentiment_score":0.013264453038573263},{"word":"between","start":2541.6948,"end":2542.095,"confidence":0.98828125,"punctuated_word":"between","sentiment":"neutral","sentiment_score":0.02073812484741211},{"word":"your","start":2542.095,"end":2542.4148,"confidence":0.99316406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.019487060606479645},{"word":"super","start":2542.4148,"end":2542.8948,"confidence":0.75927734,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.03066188097000122},{"word":"account","start":2542.8948,"end":2543.2148,"confidence":0.9741211,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.03187937289476395},{"word":"balances","start":2543.2148,"end":2543.7148,"confidence":0.9970703,"punctuated_word":"balances","sentiment":"neutral","sentiment_score":0.031176062300801277},{"word":"and","start":2543.775,"end":2544.095,"confidence":0.9790039,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.012137610465288162},{"word":"centrelink","start":2544.095,"end":2544.595,"confidence":0.882487,"punctuated_word":"Centrelink","sentiment":"neutral","sentiment_score":0.05341993272304535},{"word":"and","start":2545.34,"end":2545.5,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0146340262144804},{"word":"have","start":2545.5,"end":2545.9,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.005549177527427673},{"word":"that","start":2545.9,"end":2546.1401,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.018351824954152107},{"word":"last","start":2546.1401,"end":2546.3801,"confidence":0.95947266,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.012775924056768416},{"word":"until","start":2546.3801,"end":2546.78,"confidence":0.9838867,"punctuated_word":"until","sentiment":"neutral","sentiment_score":-0.01025453582406044},{"word":"about","start":2546.78,"end":2547.02,"confidence":0.98535156,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.019238095730543137},{"word":"age","start":2547.02,"end":2547.34,"confidence":0.9838867,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.012581918388605118},{"word":"91","start":2547.34,"end":2548.1401,"confidence":0.9938965,"punctuated_word":"91.","sentiment":"neutral","sentiment_score":-0.02024003490805626},{"word":"so","start":2548.1401,"end":2548.3,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.011686868965625765},{"word":"we","start":2548.3,"end":2548.54,"confidence":0.9951172,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.0037287697196006775},{"word":"could","start":2548.54,"end":2549.04,"confidence":0.8630371,"punctuated_word":"could,","sentiment":"neutral","sentiment_score":0.0051463283598423},{"word":"if","start":2549.1,"end":2549.18,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.016451913863420486},{"word":"we","start":2549.18,"end":2549.42,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.03290938585996628},{"word":"drop","start":2549.42,"end":2549.66,"confidence":0.69140625,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":0.001100599765777588},{"word":"down","start":2549.66,"end":2549.98,"confidence":0.99902344,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.006593689322471619},{"word":"and","start":2549.98,"end":2550.1401,"confidence":0.9667969,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04182605445384979},{"word":"draw","start":2550.1401,"end":2550.46,"confidence":0.9790039,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":-0.009033545851707458},{"word":"less","start":2550.46,"end":2550.7,"confidence":0.9951172,"punctuated_word":"less","sentiment":"neutral","sentiment_score":-0.05636953189969063},{"word":"than","start":2550.7,"end":2550.94,"confidence":0.99609375,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.06243973970413208},{"word":"80,000","start":2550.94,"end":2551.68,"confidence":0.99780273,"punctuated_word":"80,000,","sentiment":"neutral","sentiment_score":-0.03399716317653656},{"word":"have","start":2552.7,"end":2552.94,"confidence":0.8408203,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.08813264220952988},{"word":"that","start":2552.94,"end":2553.18,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.041476935148239136},{"word":"last","start":2553.18,"end":2553.5,"confidence":0.98291016,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.05812340974807739},{"word":"a","start":2553.5,"end":2553.58,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11115939915180206},{"word":"little","start":2553.58,"end":2553.82,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.07502403855323792},{"word":"bit","start":2553.82,"end":2553.98,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.08526764810085297},{"word":"longer","start":2553.98,"end":2554.3801,"confidence":0.99902344,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":-0.07433439791202545},{"word":"there","start":2554.3801,"end":2554.54,"confidence":0.7932129,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.06158848851919174},{"word":"but","start":2554.54,"end":2554.7,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.08528029918670654},{"word":"it","start":2554.7,"end":2554.86,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09005946666002274},{"word":"shows","start":2554.86,"end":2555.34,"confidence":1.0,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":0.09739937633275986},{"word":"you","start":2555.34,"end":2555.58,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2050221860408783},{"word":"that","start":2555.58,"end":2555.9,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16696757078170776},{"word":"if","start":2555.9,"end":2556.1401,"confidence":0.984375,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2680627703666687},{"word":"things","start":2556.1401,"end":2556.54,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.28369736671447754},{"word":"work","start":2556.54,"end":2556.86,"confidence":0.9160156,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.2692332863807678},{"word":"the","start":2556.86,"end":2557.02,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.30418023467063904},{"word":"way","start":2557.02,"end":2557.42,"confidence":1.0,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.2412349134683609},{"word":"they're","start":2557.42,"end":2557.66,"confidence":0.97753906,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.2170496881008148},{"word":"projected","start":2557.66,"end":2558.16,"confidence":1.0,"punctuated_word":"projected","sentiment":"neutral","sentiment_score":0.17353473603725433},{"word":"to","start":2558.3,"end":2558.54,"confidence":0.9863281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2015437483787537},{"word":"currently","start":2558.54,"end":2559.04,"confidence":0.9104004,"punctuated_word":"currently,","sentiment":"neutral","sentiment_score":0.2204703390598297},{"word":"that","start":2559.565,"end":2559.805,"confidence":0.9482422,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19964151084423065},{"word":"this","start":2559.805,"end":2560.045,"confidence":0.99316406,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.18472206592559817},{"word":"is","start":2560.045,"end":2560.125,"confidence":0.9941406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12394843995571136},{"word":"where","start":2560.125,"end":2560.445,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.08251367509365082},{"word":"we","start":2560.445,"end":2560.605,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12282752990722656},{"word":"can","start":2560.605,"end":2560.7651,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07301656156778336},{"word":"sort","start":2560.7651,"end":2561.0051,"confidence":0.9921875,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.06931846588850021},{"word":"of","start":2561.0051,"end":2561.165,"confidence":0.97265625,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08174332976341248},{"word":"see","start":2561.165,"end":2561.405,"confidence":0.96875,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.04256389290094376},{"word":"things","start":2561.405,"end":2561.805,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.044400062412023544},{"word":"projected","start":2561.805,"end":2562.305,"confidence":0.9980469,"punctuated_word":"projected","sentiment":"neutral","sentiment_score":0.09304638206958772},{"word":"for","start":2562.445,"end":2562.685,"confidence":0.98291016,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07038857042789459},{"word":"retirement","start":2562.685,"end":2563.185,"confidence":0.87841797,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.08005855232477188},{"word":"there","start":2563.405,"end":2563.905,"confidence":0.9916992,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.053570616990327835},{"word":"okay","start":2563.965,"end":2564.465,"confidence":0.94140625,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.03473582863807678},{"word":"and","start":2566.365,"end":2566.605,"confidence":0.79003906,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.09766814857721327},{"word":"then","start":2566.605,"end":2567.105,"confidence":0.99121094,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.08075591921806335},{"word":"i","start":2569.245,"end":2569.565,"confidence":0.7001953,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.270889014005661},{"word":"hope","start":2569.565,"end":2569.805,"confidence":0.9980469,"punctuated_word":"hope","sentiment":"positive","sentiment_score":0.3577951192855835},{"word":"you","start":2569.805,"end":2570.045,"confidence":0.9838867,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3629665672779083},{"word":"do","start":2570.045,"end":2570.545,"confidence":0.9946289,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.22045058012008667},{"word":"oh","start":2575.38,"end":2575.88,"confidence":0.7739258,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.03608075901865959},{"word":"no","start":2578.2598,"end":2578.7598,"confidence":0.9980469,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.1936616152524948},{"word":"i","start":2580.5,"end":2580.74,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1641940176486969},{"word":"want","start":2580.74,"end":2580.9,"confidence":0.99902344,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.11817236244678496},{"word":"you","start":2580.9,"end":2581.14,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04144515097141266},{"word":"to","start":2581.14,"end":2581.2998,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05268436670303345},{"word":"stay","start":2581.2998,"end":2581.7798,"confidence":0.9980469,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":-0.10777975618839264},{"word":"alive","start":2581.7798,"end":2582.18,"confidence":0.99609375,"punctuated_word":"alive","sentiment":"neutral","sentiment_score":-0.09677569568157196},{"word":"as","start":2582.18,"end":2582.3398,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.034129947423934937},{"word":"long","start":2582.3398,"end":2582.66,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.03471267223358154},{"word":"as","start":2582.66,"end":2582.8198,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.004113525152206421},{"word":"i'm","start":2582.8198,"end":2583.14,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.006920789834111929},{"word":"working","start":2583.14,"end":2583.6199,"confidence":0.99902344,"punctuated_word":"working.","sentiment":"neutral","sentiment_score":0.00919235497713089},{"word":"once","start":2583.6199,"end":2583.94,"confidence":0.99902344,"punctuated_word":"Once","sentiment":"neutral","sentiment_score":0.10055585205554962},{"word":"i","start":2583.94,"end":2584.0999,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10002078115940094},{"word":"hit","start":2584.0999,"end":2584.3398,"confidence":0.9892578,"punctuated_word":"hit","sentiment":"neutral","sentiment_score":0.1676935851573944},{"word":"retirement","start":2584.3398,"end":2584.8398,"confidence":0.99560547,"punctuated_word":"retirement,","sentiment":"neutral","sentiment_score":0.12880170345306396},{"word":"it'll","start":2585.0598,"end":2585.2998,"confidence":0.99853516,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.12002792209386826},{"word":"be","start":2585.2998,"end":2585.5398,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08363699913024902},{"word":"fine","start":2585.5398,"end":2586.0398,"confidence":0.9433594,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.06043143570423126},{"word":"but","start":2588.3398,"end":2588.66,"confidence":0.9589844,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.0043045878410339355},{"word":"yeah","start":2593.645,"end":2594.145,"confidence":0.8581543,"punctuated_word":"yeah,","sentiment":"positive","sentiment_score":0.5929288864135742},{"word":"yeah","start":2595.165,"end":2595.665,"confidence":0.77734375,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.07773368060588837},{"word":"and","start":2595.885,"end":2596.125,"confidence":0.9707031,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04814034700393677},{"word":"the","start":2596.125,"end":2596.2048,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04756072163581848},{"word":"next","start":2596.2048,"end":2596.525,"confidence":0.9970703,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.02600651979446411},{"word":"one","start":2596.525,"end":2596.765,"confidence":0.99609375,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.015691101551055908},{"word":"down","start":2596.765,"end":2597.085,"confidence":0.9941406,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.03487022593617439},{"word":"shows","start":2597.085,"end":2597.405,"confidence":0.9819336,"punctuated_word":"shows","sentiment":"neutral","sentiment_score":-0.010779708623886108},{"word":"you","start":2597.405,"end":2597.645,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.007259346544742584},{"word":"essentially","start":2597.645,"end":2598.125,"confidence":0.8520508,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":-0.016249747946858406},{"word":"the","start":2598.125,"end":2598.285,"confidence":0.9892578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01035480946302414},{"word":"track","start":2598.285,"end":2598.605,"confidence":0.8535156,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.019798092544078827},{"word":"without","start":2598.605,"end":2599.005,"confidence":0.98828125,"punctuated_word":"without","sentiment":"neutral","sentiment_score":-0.03143800050020218},{"word":"age","start":2599.005,"end":2599.2449,"confidence":0.52246094,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.11705607175827026},{"word":"pension","start":2599.2449,"end":2599.645,"confidence":0.96362305,"punctuated_word":"pension.","sentiment":"neutral","sentiment_score":-0.08986484259366989},{"word":"so","start":2599.645,"end":2600.145,"confidence":0.91918945,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.11844700574874878},{"word":"obviously","start":2600.445,"end":2600.945,"confidence":0.94921875,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.11810435354709624},{"word":"without","start":2601.005,"end":2601.325,"confidence":0.99902344,"punctuated_word":"without","sentiment":"neutral","sentiment_score":-0.07697799801826477},{"word":"having","start":2601.325,"end":2601.7249,"confidence":1.0,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.11729520559310912},{"word":"age","start":2601.7249,"end":2601.9648,"confidence":0.96777344,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.1517258882522583},{"word":"pension","start":2601.9648,"end":2602.445,"confidence":0.9921875,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":-0.16671809554100037},{"word":"factored","start":2602.445,"end":2602.845,"confidence":0.9941406,"punctuated_word":"factored","sentiment":"neutral","sentiment_score":-0.178806334733963},{"word":"in","start":2602.845,"end":2603.085,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.13843733072280884},{"word":"here","start":2603.085,"end":2603.325,"confidence":0.99658203,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":-0.19535157084465027},{"word":"we","start":2603.325,"end":2603.565,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.32462772727012634},{"word":"are","start":2603.565,"end":2603.7249,"confidence":0.9980469,"punctuated_word":"are","sentiment":"negative","sentiment_score":-0.34536057710647583},{"word":"a","start":2603.7249,"end":2603.885,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2522568702697754},{"word":"little","start":2603.885,"end":2604.045,"confidence":0.9980469,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.2464647889137268},{"word":"bit","start":2604.045,"end":2604.27,"confidence":0.95703125,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.29000797867774963},{"word":"short","start":2604.27,"end":2604.59,"confidence":0.99316406,"punctuated_word":"short","sentiment":"neutral","sentiment_score":-0.304553747177124},{"word":"of","start":2604.59,"end":2604.75,"confidence":0.98828125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.3258371949195862},{"word":"what","start":2604.75,"end":2604.91,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.2660296857357025},{"word":"your","start":2604.91,"end":2605.15,"confidence":0.9970703,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.25022614002227783},{"word":"goal","start":2605.15,"end":2605.47,"confidence":0.93847656,"punctuated_word":"goal","sentiment":"neutral","sentiment_score":-0.12525895237922668},{"word":"income","start":2605.47,"end":2605.87,"confidence":0.99902344,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.11202485859394072},{"word":"is","start":2605.87,"end":2606.11,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.17759941518306732},{"word":"between","start":2606.11,"end":2606.43,"confidence":0.9248047,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.14887821674346924},{"word":"your","start":2606.43,"end":2606.67,"confidence":0.7944336,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.14585831761360168},{"word":"two","start":2606.67,"end":2606.91,"confidence":0.9013672,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.1817656308412552},{"word":"super","start":2606.91,"end":2607.3901,"confidence":0.96972656,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.08372507989406586},{"word":"accounts","start":2607.3901,"end":2607.8901,"confidence":0.9104004,"punctuated_word":"accounts.","sentiment":"neutral","sentiment_score":-0.1501598358154297},{"word":"and","start":2608.43,"end":2608.59,"confidence":0.88671875,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.14649531245231628},{"word":"to","start":2608.59,"end":2608.75,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.212226539850235},{"word":"get","start":2608.75,"end":2608.99,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.16324904561042786},{"word":"longevity","start":2608.99,"end":2609.49,"confidence":0.9941406,"punctuated_word":"longevity,","sentiment":"neutral","sentiment_score":-0.11967144161462784},{"word":"we'd","start":2609.71,"end":2609.95,"confidence":0.97387695,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":-0.15586653351783752},{"word":"be","start":2609.95,"end":2610.11,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.15504097938537598},{"word":"drawing","start":2610.11,"end":2610.51,"confidence":0.99609375,"punctuated_word":"drawing","sentiment":"neutral","sentiment_score":-0.1034214049577713},{"word":"about","start":2610.51,"end":2610.83,"confidence":0.9902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.16136175394058228},{"word":"28,000","start":2610.83,"end":2611.87,"confidence":0.9895833,"punctuated_word":"28,000,","sentiment":"neutral","sentiment_score":-0.13920745253562927},{"word":"which","start":2611.87,"end":2612.11,"confidence":1.0,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.204205185174942},{"word":"is","start":2612.11,"end":2612.27,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1889037489891052},{"word":"less","start":2612.27,"end":2612.51,"confidence":0.9902344,"punctuated_word":"less","sentiment":"neutral","sentiment_score":-0.17286089062690735},{"word":"than","start":2612.51,"end":2612.67,"confidence":0.9970703,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.16301710903644562},{"word":"what","start":2612.67,"end":2612.83,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.125584214925766},{"word":"you","start":2612.83,"end":2613.31,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1525934338569641},{"word":"you","start":2613.31,"end":2613.55,"confidence":0.85498047,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.148265540599823},{"word":"guys","start":2613.55,"end":2613.87,"confidence":0.99902344,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":-0.11084949225187302},{"word":"want","start":2613.87,"end":2614.37,"confidence":0.9838867,"punctuated_word":"want.","sentiment":"neutral","sentiment_score":-0.13327983021736145},{"word":"so","start":2614.75,"end":2614.91,"confidence":0.9892578,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0034163296222686768},{"word":"we","start":2614.91,"end":2615.15,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.013297691941261292},{"word":"do","start":2615.15,"end":2615.31,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05933775007724762},{"word":"wanna","start":2615.31,"end":2615.6301,"confidence":0.9951172,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.07398059964179993},{"word":"make","start":2615.6301,"end":2615.79,"confidence":0.9980469,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.06842902302742004},{"word":"sure","start":2615.79,"end":2616.03,"confidence":1.0,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.0663362592458725},{"word":"we","start":2616.03,"end":2616.19,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06581086665391922},{"word":"can","start":2616.19,"end":2616.35,"confidence":0.99316406,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.05670185387134552},{"word":"sort","start":2616.35,"end":2616.59,"confidence":0.91015625,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.03286325931549072},{"word":"of","start":2616.59,"end":2616.67,"confidence":0.94189453,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04832698404788971},{"word":"factor","start":2616.67,"end":2616.99,"confidence":0.9633789,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.047338925302028656},{"word":"in","start":2616.99,"end":2617.23,"confidence":0.99121094,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.023337095975875854},{"word":"age","start":2617.23,"end":2617.47,"confidence":0.99316406,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.03317469358444214},{"word":"pension","start":2617.47,"end":2617.87,"confidence":0.9970703,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":-0.012532159686088562},{"word":"there","start":2617.87,"end":2618.11,"confidence":0.875,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.02619954384863377},{"word":"but","start":2618.11,"end":2618.27,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.04374880716204643},{"word":"i","start":2618.27,"end":2618.51,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06592105329036713},{"word":"like","start":2618.51,"end":2618.67,"confidence":0.578125,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.10280778259038924},{"word":"to","start":2618.67,"end":2618.83,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11984230577945708},{"word":"run","start":2618.83,"end":2619.07,"confidence":0.9970703,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.11636947095394136},{"word":"these","start":2619.07,"end":2619.375,"confidence":0.9448242,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.11607244610786438},{"word":"sorts","start":2619.455,"end":2619.615,"confidence":0.9038086,"punctuated_word":"sorts","sentiment":"neutral","sentiment_score":0.1013382226228714},{"word":"of","start":2619.615,"end":2619.775,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10746753215789796},{"word":"retirement","start":2619.775,"end":2620.275,"confidence":0.97998047,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.049055345356464386},{"word":"calculators","start":2620.335,"end":2620.835,"confidence":0.9567871,"punctuated_word":"calculators","sentiment":"neutral","sentiment_score":0.11202917248010635},{"word":"to","start":2620.975,"end":2621.135,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.095219686627388},{"word":"see","start":2621.135,"end":2621.635,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.10430265963077544},{"word":"where","start":2621.695,"end":2621.935,"confidence":0.99902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.06245219707489014},{"word":"we're","start":2621.935,"end":2622.255,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.07924613356590271},{"word":"tracking","start":2622.255,"end":2622.655,"confidence":0.99902344,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.14890100061893463},{"word":"for","start":2622.655,"end":2622.895,"confidence":0.98706055,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.10850630700588226},{"word":"what","start":2622.895,"end":2623.135,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.18188010156154633},{"word":"we're","start":2623.135,"end":2623.375,"confidence":1.0,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.15337160229682922},{"word":"headed","start":2623.375,"end":2623.695,"confidence":0.9951172,"punctuated_word":"headed","sentiment":"neutral","sentiment_score":0.16323935985565186},{"word":"towards","start":2623.695,"end":2624.175,"confidence":0.701416,"punctuated_word":"towards,","sentiment":"neutral","sentiment_score":0.12466143816709518},{"word":"to","start":2624.175,"end":2624.255,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12105976790189744},{"word":"give","start":2624.255,"end":2624.415,"confidence":0.99902344,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.16942472755908966},{"word":"you","start":2624.415,"end":2624.575,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17559096217155457},{"word":"a","start":2624.575,"end":2624.655,"confidence":0.9941406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16872915625572205},{"word":"bit","start":2624.655,"end":2624.815,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.13063035905361176},{"word":"of","start":2624.815,"end":2624.895,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17846933007240295},{"word":"an","start":2624.895,"end":2625.055,"confidence":0.99902344,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.16072005033493042},{"word":"idea","start":2625.055,"end":2625.455,"confidence":0.98168945,"punctuated_word":"idea.","sentiment":"neutral","sentiment_score":0.13244599103927612},{"word":"i","start":2625.455,"end":2625.535,"confidence":0.9536133,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05716274678707123},{"word":"know","start":2625.535,"end":2625.695,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.05551913380622864},{"word":"it's","start":2625.695,"end":2625.855,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.03627965971827507},{"word":"not","start":2625.855,"end":2626.095,"confidence":0.9980469,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.011776573956012726},{"word":"something","start":2626.095,"end":2626.415,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.014798633754253387},{"word":"that","start":2626.415,"end":2626.915,"confidence":0.7213135,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.041653748601675034},{"word":"if","start":2627.135,"end":2627.295,"confidence":0.3095703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.02266060560941696},{"word":"you","start":2627.295,"end":2627.695,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02926650643348694},{"word":"put","start":2627.695,"end":2627.935,"confidence":0.5541992,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.030741006135940552},{"word":"into","start":2627.935,"end":2628.255,"confidence":0.9135742,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.04381650686264038},{"word":"the","start":2628.255,"end":2628.335,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0591290146112442},{"word":"plans","start":2628.335,"end":2628.735,"confidence":0.9921875,"punctuated_word":"plans","sentiment":"neutral","sentiment_score":0.0955260843038559},{"word":"in","start":2628.735,"end":2628.895,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08183290809392929},{"word":"the","start":2628.895,"end":2629.055,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.086421437561512},{"word":"past","start":2629.055,"end":2629.455,"confidence":0.97021484,"punctuated_word":"past,","sentiment":"neutral","sentiment_score":0.09281155467033386},{"word":"but","start":2629.455,"end":2629.695,"confidence":0.9667969,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.09335065633058548},{"word":"i'd","start":2629.695,"end":2629.855,"confidence":0.75390625,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.14652109146118164},{"word":"kind","start":2629.855,"end":2630.015,"confidence":0.9892578,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.15266966819763184},{"word":"of","start":2630.015,"end":2630.175,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1982312798500061},{"word":"like","start":2630.175,"end":2630.415,"confidence":0.9951172,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.19931690394878387},{"word":"to","start":2630.415,"end":2630.495,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1901928335428238},{"word":"show","start":2630.495,"end":2630.735,"confidence":1.0,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.1915067732334137},{"word":"you","start":2630.735,"end":2630.895,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2442517727613449},{"word":"what","start":2630.895,"end":2631.055,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2691895663738251},{"word":"we're","start":2631.055,"end":2631.215,"confidence":0.99902344,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.22379767894744873},{"word":"on","start":2631.215,"end":2631.375,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2617042064666748},{"word":"track","start":2631.375,"end":2631.615,"confidence":1.0,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.2292276918888092},{"word":"for","start":2631.615,"end":2631.855,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.20587466657161713},{"word":"and","start":2631.855,"end":2631.935,"confidence":0.9892578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22525587677955627},{"word":"how","start":2631.935,"end":2632.095,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.23365339636802673},{"word":"we're","start":2632.095,"end":2632.335,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.20178833603858948},{"word":"projecting","start":2632.335,"end":2632.835,"confidence":0.99902344,"punctuated_word":"projecting","sentiment":"neutral","sentiment_score":0.2462155967950821},{"word":"because","start":2632.895,"end":2633.135,"confidence":0.42285156,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.18511703610420227},{"word":"it","start":2633.135,"end":2633.295,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.20598651468753815},{"word":"gives","start":2633.295,"end":2633.455,"confidence":0.9980469,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.1913364678621292},{"word":"you","start":2633.455,"end":2633.615,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19714993238449097},{"word":"an","start":2633.615,"end":2633.855,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.12221375107765198},{"word":"idea","start":2633.855,"end":2634.255,"confidence":1.0,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":0.14690683782100675},{"word":"of","start":2634.255,"end":2634.415,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11274848878383636},{"word":"what","start":2634.415,"end":2634.69,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.11499809473752975},{"word":"retirement","start":2634.93,"end":2635.43,"confidence":0.99609375,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.10374541580677032},{"word":"might","start":2635.65,"end":2635.89,"confidence":0.9980469,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.004253610968589783},{"word":"look","start":2635.89,"end":2636.13,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.025987014174461365},{"word":"like","start":2636.13,"end":2636.3699,"confidence":0.85791016,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.01040096953511238},{"word":"and","start":2636.3699,"end":2636.8699,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1320386379957199},{"word":"you","start":2637.01,"end":2637.25,"confidence":0.99902344,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.34433984756469727},{"word":"guys","start":2637.25,"end":2637.49,"confidence":0.99902344,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":-0.28964969515800476},{"word":"have","start":2637.49,"end":2637.73,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.2939477562904358},{"word":"worked","start":2637.73,"end":2638.05,"confidence":1.0,"punctuated_word":"worked","sentiment":"negative","sentiment_score":-0.3591824471950531},{"word":"way","start":2638.05,"end":2638.3699,"confidence":1.0,"punctuated_word":"way","sentiment":"negative","sentiment_score":-0.5682188272476196},{"word":"too","start":2638.3699,"end":2638.6099,"confidence":0.99902344,"punctuated_word":"too","sentiment":"negative","sentiment_score":-0.4800818860530853},{"word":"hard","start":2638.6099,"end":2638.8499,"confidence":1.0,"punctuated_word":"hard","sentiment":"negative","sentiment_score":-0.39533668756484985},{"word":"over","start":2638.8499,"end":2639.0898,"confidence":1.0,"punctuated_word":"over","sentiment":"negative","sentiment_score":-0.3715498447418213},{"word":"the","start":2639.0898,"end":2639.17,"confidence":0.99902344,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4111005365848541},{"word":"years","start":2639.17,"end":2639.5698,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.319062203168869},{"word":"not","start":2639.5698,"end":2639.81,"confidence":0.9980469,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.345890074968338},{"word":"to","start":2639.81,"end":2639.89,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.3054354786872864},{"word":"enjoy","start":2639.89,"end":2640.21,"confidence":1.0,"punctuated_word":"enjoy","sentiment":"neutral","sentiment_score":-0.2111545503139496},{"word":"your","start":2640.21,"end":2640.53,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.2903395891189575},{"word":"retirement","start":2640.53,"end":2641.03,"confidence":0.9885254,"punctuated_word":"retirement.","sentiment":"neutral","sentiment_score":-0.14838774502277374},{"word":"so","start":2641.25,"end":2641.75,"confidence":0.89208984,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.016390085220336914},{"word":"no","start":2656.505,"end":2657.005,"confidence":0.7602539,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.23887090384960177},{"word":"that's","start":2657.2249,"end":2657.625,"confidence":0.99609375,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.144096702337265},{"word":"okay","start":2657.625,"end":2658.125,"confidence":1.0,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.06800633668899536},{"word":"yeah","start":2658.585,"end":2659.085,"confidence":0.9926758,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02182449027895927},{"word":"yeah","start":2661.71,"end":2662.21,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.12440791726112366},{"word":"yeah","start":2671.55,"end":2672.05,"confidence":0.9580078,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.023269232362508777},{"word":"yeah","start":2672.1099,"end":2672.3499,"confidence":0.97314453,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04120966047048569},{"word":"and","start":2672.3499,"end":2672.5898,"confidence":0.5439453,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03981050103902817},{"word":"that's","start":2672.5898,"end":2672.895,"confidence":0.9975586,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.04049063473939896},{"word":"kind","start":2672.895,"end":2673.055,"confidence":0.9604492,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.03968017175793648},{"word":"of","start":2673.055,"end":2673.215,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06749684363603592},{"word":"where","start":2673.215,"end":2673.295,"confidence":0.99316406,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.040761373937129974},{"word":"i've","start":2673.295,"end":2673.775,"confidence":0.94677734,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.07456749677658081},{"word":"i've","start":2673.775,"end":2673.935,"confidence":0.86572266,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.08624021708965302},{"word":"put","start":2673.935,"end":2674.175,"confidence":0.9980469,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.08687806874513626},{"word":"that","start":2674.175,"end":2674.575,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1064603179693222},{"word":"retirement","start":2674.575,"end":2675.075,"confidence":0.96435547,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.05259048938751221},{"word":"calculator","start":2675.135,"end":2675.635,"confidence":0.9970703,"punctuated_word":"calculator","sentiment":"neutral","sentiment_score":0.09922939538955688},{"word":"was","start":2675.695,"end":2675.935,"confidence":0.45361328,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.06458307802677155},{"word":"working","start":2675.935,"end":2676.2551,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.0717780590057373},{"word":"on","start":2676.2551,"end":2676.415,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06852099299430847},{"word":"peter's","start":2676.415,"end":2676.815,"confidence":0.9716797,"punctuated_word":"Peter's","sentiment":"neutral","sentiment_score":0.07159698009490967},{"word":"ten","start":2676.815,"end":2676.975,"confidence":0.57910156,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.08560144901275635},{"word":"year","start":2676.975,"end":2677.215,"confidence":0.9589844,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.06755369901657104},{"word":"time","start":2677.215,"end":2677.455,"confidence":0.99316406,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.10409286618232728},{"word":"horizon","start":2677.455,"end":2677.955,"confidence":0.87646484,"punctuated_word":"horizon,","sentiment":"neutral","sentiment_score":0.06539076566696167},{"word":"so","start":2678.095,"end":2678.415,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.04860295355319977},{"word":"60","start":2678.415,"end":2678.815,"confidence":0.9580078,"punctuated_word":"60","sentiment":"neutral","sentiment_score":0.06742489337921143},{"word":"eight","start":2678.815,"end":2679.215,"confidence":0.99902344,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":0.08201318979263306},{"word":"for","start":2679.215,"end":2679.535,"confidence":0.9921875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10357688367366792},{"word":"that","start":2679.535,"end":2679.775,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11098772287368774},{"word":"one","start":2679.775,"end":2680.275,"confidence":0.9921875,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.0858498066663742},{"word":"and","start":2680.415,"end":2680.655,"confidence":0.79418945,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.06289225816726685},{"word":"i","start":2680.655,"end":2680.735,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07086361199617386},{"word":"mean","start":2680.735,"end":2680.975,"confidence":1.0,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.07731910049915314},{"word":"you","start":2680.975,"end":2681.135,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10209213197231291},{"word":"guys","start":2681.135,"end":2681.375,"confidence":0.9970703,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.09534434974193572},{"word":"are","start":2681.375,"end":2681.535,"confidence":0.9970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.104683980345726},{"word":"eligible","start":2681.535,"end":2682.0151,"confidence":1.0,"punctuated_word":"eligible","sentiment":"neutral","sentiment_score":0.14753007888793945},{"word":"for","start":2682.0151,"end":2682.175,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0996362566947937},{"word":"age","start":2682.175,"end":2682.415,"confidence":0.8911133,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.07335969805717468},{"word":"pension","start":2682.415,"end":2682.815,"confidence":0.9970703,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.08469323068857193},{"word":"at","start":2682.815,"end":2682.975,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.03553846478462219},{"word":"67","start":2682.975,"end":2683.875,"confidence":0.95996094,"punctuated_word":"67.","sentiment":"neutral","sentiment_score":0.06222144886851311},{"word":"so","start":2683.935,"end":2684.435,"confidence":0.98706055,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.0488559827208519},{"word":"you","start":2684.815,"end":2684.975,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.027884509414434433},{"word":"know","start":2684.975,"end":2685.475,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.016420288011431694},{"word":"that","start":2685.535,"end":2685.775,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.051605600863695145},{"word":"that","start":2685.775,"end":2686.0151,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05145873501896858},{"word":"is","start":2686.0151,"end":2686.5151,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.07318059355020523},{"word":"yeah","start":2687.295,"end":2687.795,"confidence":0.9880371,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.004916045814752579},{"word":"i","start":2691.4001,"end":2691.56,"confidence":0.97314453,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09859204292297365},{"word":"think","start":2691.56,"end":2691.8,"confidence":0.99609375,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.10242028534412384},{"word":"it","start":2691.8,"end":2691.9602,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.049798235297203064},{"word":"will","start":2691.9602,"end":2692.28,"confidence":0.77441406,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.07598630338907242},{"word":"change","start":2692.28,"end":2692.6802,"confidence":0.99365234,"punctuated_word":"change,","sentiment":"neutral","sentiment_score":-0.0686071515083313},{"word":"but","start":2692.6802,"end":2692.84,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.1238342672586441},{"word":"i","start":2692.84,"end":2692.9202,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2518528997898102},{"word":"don't","start":2692.9202,"end":2693.1602,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1986633539199829},{"word":"think","start":2693.1602,"end":2693.4001,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.20074504613876343},{"word":"it","start":2693.4001,"end":2693.48,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.162734255194664},{"word":"will","start":2693.48,"end":2693.72,"confidence":0.9980469,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.20055457949638367},{"word":"affect","start":2693.72,"end":2694.04,"confidence":0.9980469,"punctuated_word":"affect","sentiment":"neutral","sentiment_score":-0.16911649703979492},{"word":"you","start":2694.04,"end":2694.2002,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.18308457732200625},{"word":"guys","start":2694.2002,"end":2694.6802,"confidence":0.99560547,"punctuated_word":"guys.","sentiment":"neutral","sentiment_score":-0.06673099100589752},{"word":"it'll","start":2694.6802,"end":2695.0,"confidence":0.9970703,"punctuated_word":"It'll","sentiment":"neutral","sentiment_score":0.0061712488532066345},{"word":"be","start":2695.0,"end":2695.5,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.007571255788207054},{"word":"it'll","start":2695.9602,"end":2696.28,"confidence":0.98168945,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.05686609447002411},{"word":"be","start":2696.28,"end":2696.6,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.06032942607998848},{"word":"grandfathered","start":2696.6,"end":2697.1,"confidence":0.9816081,"punctuated_word":"grandfathered","sentiment":"neutral","sentiment_score":0.07224788516759872},{"word":"because","start":2697.4001,"end":2697.72,"confidence":0.8491211,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.03849684819579125},{"word":"anyone","start":2697.72,"end":2698.2002,"confidence":0.99902344,"punctuated_word":"anyone","sentiment":"neutral","sentiment_score":0.09865638613700868},{"word":"on","start":2698.2002,"end":2698.4402,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04639965668320656},{"word":"and","start":2698.84,"end":2699.08,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03057519719004631},{"word":"you","start":2699.08,"end":2699.24,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.034307751804590225},{"word":"sort","start":2699.24,"end":2699.48,"confidence":0.98095703,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.03363196924328804},{"word":"of","start":2699.48,"end":2699.6401,"confidence":0.8364258,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03555798530578613},{"word":"see","start":2699.6401,"end":2699.8,"confidence":0.99121094,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.014933660626411438},{"word":"when","start":2699.8,"end":2700.04,"confidence":0.7416992,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.026276852935552597},{"word":"they","start":2700.04,"end":2700.2002,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.04460376873612404},{"word":"made","start":2700.2002,"end":2700.4402,"confidence":0.98828125,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.04819485172629357},{"word":"those","start":2700.4402,"end":2700.6802,"confidence":1.0,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.059704121202230453},{"word":"changes","start":2700.6802,"end":2701.1602,"confidence":0.99902344,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.029141291975975037},{"word":"to","start":2701.1602,"end":2701.24,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.042675696313381195},{"word":"the","start":2701.24,"end":2701.4001,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.054202497005462646},{"word":"age","start":2701.4001,"end":2701.72,"confidence":0.7402344,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.030932769179344177},{"word":"pension","start":2701.72,"end":2702.22,"confidence":0.96875,"punctuated_word":"pension,","sentiment":"neutral","sentiment_score":0.06506109237670898},{"word":"they","start":2702.28,"end":2702.4402,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.08304878324270248},{"word":"did","start":2702.4402,"end":2702.76,"confidence":0.9980469,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.08578020334243774},{"word":"grandfather","start":2702.76,"end":2703.26,"confidence":0.9951172,"punctuated_word":"grandfather","sentiment":"neutral","sentiment_score":0.06563328206539154},{"word":"it","start":2703.48,"end":2703.6401,"confidence":0.95410156,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.05246317386627197},{"word":"so","start":2703.6401,"end":2704.125,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.054753128439188},{"word":"anywhere","start":2704.285,"end":2704.785,"confidence":0.9873047,"punctuated_word":"anywhere","sentiment":"neutral","sentiment_score":0.06653635948896408},{"word":"before","start":2704.845,"end":2705.325,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.03060171753168106},{"word":"1961","start":2705.325,"end":2706.705,"confidence":0.9536133,"punctuated_word":"1961,","sentiment":"neutral","sentiment_score":0.034272197633981705},{"word":"there","start":2706.845,"end":2707.165,"confidence":0.9980469,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.028162319213151932},{"word":"was","start":2707.165,"end":2707.485,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.025873307138681412},{"word":"kind","start":2707.485,"end":2707.805,"confidence":0.9892578,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.027851957827806473},{"word":"of","start":2707.805,"end":2707.965,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03915724530816078},{"word":"that","start":2707.965,"end":2708.465,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.021045640110969543},{"word":"change","start":2708.525,"end":2709.005,"confidence":0.99902344,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.012433849275112152},{"word":"where","start":2709.005,"end":2709.485,"confidence":0.9902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.02426827698945999},{"word":"people","start":2709.485,"end":2709.725,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":0.06241993606090546},{"word":"who","start":2709.725,"end":2709.965,"confidence":0.99902344,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.046091362833976746},{"word":"were","start":2709.965,"end":2710.125,"confidence":0.9902344,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.016280673444271088},{"word":"in","start":2710.125,"end":2710.205,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.027555100619792935},{"word":"their","start":2710.205,"end":2710.445,"confidence":0.9716797,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.015595436096191406},{"word":"fifties","start":2710.445,"end":2710.925,"confidence":0.97591144,"punctuated_word":"fifties","sentiment":"neutral","sentiment_score":0.03274034708738327},{"word":"were","start":2710.925,"end":2711.085,"confidence":0.9951172,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.05986757576465607},{"word":"eligible","start":2711.085,"end":2711.565,"confidence":1.0,"punctuated_word":"eligible","sentiment":"neutral","sentiment_score":0.1069302335381508},{"word":"for","start":2711.565,"end":2711.725,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13170814514160156},{"word":"accessing","start":2711.725,"end":2712.225,"confidence":0.99902344,"punctuated_word":"accessing","sentiment":"neutral","sentiment_score":0.08254691958427429},{"word":"centrelink","start":2712.365,"end":2712.865,"confidence":0.9654948,"punctuated_word":"Centrelink","sentiment":"neutral","sentiment_score":0.1657029390335083},{"word":"due","start":2713.005,"end":2713.245,"confidence":0.9951172,"punctuated_word":"due","sentiment":"neutral","sentiment_score":0.14427408576011658},{"word":"to","start":2713.245,"end":2713.325,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11335846781730652},{"word":"the","start":2713.325,"end":2713.565,"confidence":0.81152344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06297753006219864},{"word":"year","start":2713.565,"end":2713.725,"confidence":0.98828125,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.07300513982772827},{"word":"they","start":2713.725,"end":2713.965,"confidence":0.99609375,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.022892527282238007},{"word":"were","start":2713.965,"end":2714.125,"confidence":1.0,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.026096366345882416},{"word":"born","start":2714.125,"end":2714.625,"confidence":0.84399414,"punctuated_word":"born.","sentiment":"neutral","sentiment_score":0.0121961310505867},{"word":"but","start":2715.965,"end":2716.125,"confidence":0.7919922,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.05888131260871887},{"word":"i","start":2716.125,"end":2716.285,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05143696069717407},{"word":"do","start":2716.285,"end":2716.525,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12327010929584505},{"word":"think","start":2716.525,"end":2716.765,"confidence":0.9941406,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.046005770564079285},{"word":"the","start":2716.765,"end":2717.005,"confidence":0.6845703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06277847290039062},{"word":"change","start":2717.005,"end":2717.245,"confidence":0.99609375,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.0776633769273758},{"word":"will","start":2717.245,"end":2717.485,"confidence":0.9921875,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.005987420678138733},{"word":"be","start":2717.485,"end":2717.645,"confidence":0.9921875,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.007032841444015503},{"word":"coming","start":2717.645,"end":2718.045,"confidence":0.8754883,"punctuated_word":"coming.","sentiment":"neutral","sentiment_score":-0.028711460530757904},{"word":"i","start":2718.045,"end":2718.205,"confidence":0.984375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.30120378732681274},{"word":"don't","start":2718.205,"end":2718.445,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.24698172509670255},{"word":"think","start":2718.445,"end":2718.685,"confidence":0.99609375,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.26512277126312256},{"word":"it'll","start":2718.685,"end":2718.925,"confidence":0.96118164,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":-0.22993239760398865},{"word":"be","start":2718.925,"end":2719.085,"confidence":0.98828125,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.26054731011390686},{"word":"in","start":2719.085,"end":2719.245,"confidence":0.9482422,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.21744714677333832},{"word":"the","start":2719.245,"end":2719.5,"confidence":0.96777344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19173602759838104},{"word":"ten","start":2719.58,"end":2719.9,"confidence":0.99902344,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":-0.1745748221874237},{"word":"years","start":2719.9,"end":2720.06,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.16169217228889465},{"word":"because","start":2720.06,"end":2720.56,"confidence":0.77441406,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.19207614660263064},{"word":"right","start":2721.42,"end":2721.66,"confidence":0.9394531,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.24789804220199585},{"word":"now","start":2721.66,"end":2722.06,"confidence":1.0,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.2597106099128723},{"word":"with","start":2722.06,"end":2722.3,"confidence":0.5727539,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.20578312873840332},{"word":"where","start":2722.3,"end":2722.54,"confidence":0.99902344,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.205554723739624},{"word":"we","start":2722.54,"end":2722.7,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.14629456400871277},{"word":"are","start":2722.7,"end":2723.02,"confidence":0.76000977,"punctuated_word":"are,","sentiment":"neutral","sentiment_score":-0.1806456744670868},{"word":"with","start":2723.02,"end":2723.18,"confidence":0.9980469,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.18306484818458557},{"word":"the","start":2723.18,"end":2723.34,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15564927458763125},{"word":"amount","start":2723.34,"end":2723.58,"confidence":0.99902344,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.11322562396526337},{"word":"of","start":2723.58,"end":2723.74,"confidence":0.99121094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1550038456916809},{"word":"people","start":2723.74,"end":2724.06,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.11628582328557968},{"word":"about","start":2724.06,"end":2724.3,"confidence":0.94970703,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.14437562227249146},{"word":"to","start":2724.3,"end":2724.54,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16019168496131897},{"word":"retire","start":2724.54,"end":2724.94,"confidence":0.99902344,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":-0.1068023070693016},{"word":"and","start":2725.02,"end":2725.18,"confidence":0.81689453,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":-0.1691153347492218},{"word":"like","start":2725.18,"end":2725.5,"confidence":0.99072266,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.16001810133457184},{"word":"my","start":2725.5,"end":2725.66,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.184090256690979},{"word":"mom","start":2725.66,"end":2725.9,"confidence":0.97998047,"punctuated_word":"mom","sentiment":"neutral","sentiment_score":-0.19216422736644745},{"word":"is","start":2725.9,"end":2726.06,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.10750004649162292},{"word":"one","start":2726.06,"end":2726.22,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.155084028840065},{"word":"of","start":2726.22,"end":2726.3,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06917150318622589},{"word":"those","start":2726.3,"end":2726.7,"confidence":0.9289551,"punctuated_word":"those.","sentiment":"neutral","sentiment_score":-0.1377621740102768},{"word":"my","start":2726.7,"end":2726.86,"confidence":0.99902344,"punctuated_word":"My","sentiment":"neutral","sentiment_score":-0.12920629978179932},{"word":"mom","start":2726.86,"end":2727.02,"confidence":0.9980469,"punctuated_word":"mom","sentiment":"neutral","sentiment_score":-0.15417712926864624},{"word":"is","start":2727.02,"end":2727.26,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.113995760679245},{"word":"64","start":2727.26,"end":2728.06,"confidence":0.9980469,"punctuated_word":"64","sentiment":"neutral","sentiment_score":-0.09614456444978714},{"word":"this","start":2728.06,"end":2728.3,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.11673376709222794},{"word":"year","start":2728.3,"end":2728.8,"confidence":0.9416504,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.07983732223510742},{"word":"and","start":2729.34,"end":2729.58,"confidence":0.62597656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.10770415514707564},{"word":"she","start":2729.58,"end":2729.82,"confidence":0.99902344,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.15525460243225098},{"word":"is","start":2729.82,"end":2730.06,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.20175650715827945},{"word":"hanging","start":2730.06,"end":2730.38,"confidence":1.0,"punctuated_word":"hanging","sentiment":"neutral","sentiment_score":-0.23909804224967957},{"word":"out","start":2730.38,"end":2730.62,"confidence":0.9863281,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.2205098271369934},{"word":"for","start":2730.62,"end":2730.94,"confidence":0.3166504,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.21364468336105347},{"word":"age","start":2730.94,"end":2731.26,"confidence":0.8598633,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.14479759335517883},{"word":"67","start":2731.26,"end":2731.9,"confidence":0.9206543,"punctuated_word":"67","sentiment":"neutral","sentiment_score":-0.16128145158290863},{"word":"to","start":2731.9,"end":2731.98,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.28265950083732605},{"word":"be","start":2731.98,"end":2732.14,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.23308494687080383},{"word":"able","start":2732.14,"end":2732.3,"confidence":0.94140625,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.2070680111646652},{"word":"to","start":2732.3,"end":2732.38,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.25058692693710327},{"word":"give","start":2732.38,"end":2732.62,"confidence":0.9970703,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.23180681467056272},{"word":"up","start":2732.62,"end":2732.78,"confidence":0.9580078,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.20207971334457395},{"word":"work","start":2732.78,"end":2733.02,"confidence":0.93725586,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":-0.2120689153671265},{"word":"she's","start":2733.02,"end":2733.26,"confidence":0.9880371,"punctuated_word":"She's","sentiment":"neutral","sentiment_score":-0.09465866535902023},{"word":"an","start":2733.26,"end":2733.42,"confidence":0.6845703,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.08458887785673141},{"word":"age","start":2733.42,"end":2733.645,"confidence":0.97509766,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.07506272196769714},{"word":"10","start":2733.725,"end":2733.965,"confidence":0.94970703,"punctuated_word":"10","sentiment":"neutral","sentiment_score":-0.03156900778412819},{"word":"nurse","start":2733.965,"end":2734.2852,"confidence":0.63964844,"punctuated_word":"nurse.","sentiment":"neutral","sentiment_score":-0.14486807584762573},{"word":"it's","start":2734.2852,"end":2734.605,"confidence":0.8408203,"punctuated_word":"It's","sentiment":"negative","sentiment_score":-0.5594741106033325},{"word":"very","start":2734.605,"end":2734.7651,"confidence":0.77685547,"punctuated_word":"very","sentiment":"negative","sentiment_score":-0.611372172832489},{"word":"it's","start":2734.7651,"end":2735.085,"confidence":0.9692383,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.597455620765686},{"word":"very","start":2735.085,"end":2735.405,"confidence":1.0,"punctuated_word":"very","sentiment":"negative","sentiment_score":-0.631464421749115},{"word":"strenuous","start":2735.405,"end":2735.905,"confidence":0.98876953,"punctuated_word":"strenuous.","sentiment":"negative","sentiment_score":-0.5537718534469604},{"word":"so","start":2736.7651,"end":2737.085,"confidence":0.7319336,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1741599440574646},{"word":"60","start":2737.085,"end":2737.585,"confidence":0.7060547,"punctuated_word":"60","sentiment":"neutral","sentiment_score":-0.156750425696373},{"word":"yeah","start":2738.525,"end":2739.025,"confidence":0.9914551,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.20074313879013064},{"word":"yep","start":2743.0051,"end":2743.5051,"confidence":0.9453125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.13329486548900604},{"word":"yep","start":2746.365,"end":2746.865,"confidence":0.9812012,"punctuated_word":"Yep.","sentiment":"negative","sentiment_score":-0.5424360632896423},{"word":"oh","start":2749.9102,"end":2750.07,"confidence":0.77490234,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.21328610181808472},{"word":"that's","start":2750.07,"end":2750.3901,"confidence":0.99658203,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.25201964378356934},{"word":"a","start":2750.3901,"end":2750.55,"confidence":0.9970703,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.35311055183410645},{"word":"lot","start":2750.55,"end":2751.05,"confidence":0.9975586,"punctuated_word":"lot.","sentiment":"neutral","sentiment_score":-0.2220857739448547},{"word":"yeah","start":2751.27,"end":2751.77,"confidence":0.9016113,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.13406455516815186},{"word":"yeah","start":2761.6702,"end":2762.1702,"confidence":0.9267578,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.16662508249282837},{"word":"yeah","start":2765.095,"end":2765.595,"confidence":0.78637695,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.18594948947429657},{"word":"yes","start":2781.6301,"end":2782.1301,"confidence":0.79003906,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.0014225095510482788},{"word":"yes","start":2790.51,"end":2791.01,"confidence":0.723999,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.016731390729546547},{"word":"yes","start":2791.15,"end":2791.65,"confidence":0.9301758,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.007555747404694557},{"word":"yeah","start":2800.275,"end":2800.775,"confidence":0.9909668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05705083906650543},{"word":"yeah","start":2804.835,"end":2805.335,"confidence":0.73657227,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07898980379104614},{"word":"it","start":2810.35,"end":2810.51,"confidence":0.6928711,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.07374090701341629},{"word":"is","start":2810.51,"end":2811.01,"confidence":0.9946289,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.08145417273044586},{"word":"yeah","start":2812.03,"end":2812.53,"confidence":0.99560547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07029266655445099},{"word":"yeah","start":2814.51,"end":2815.01,"confidence":0.76416016,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.09715202450752258},{"word":"yeah","start":2822.415,"end":2822.915,"confidence":0.8417969,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.12677016854286194},{"word":"yeah","start":2826.175,"end":2826.675,"confidence":0.7780762,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.2417769581079483},{"word":"it","start":2826.8152,"end":2827.135,"confidence":0.98828125,"punctuated_word":"It","sentiment":"negative","sentiment_score":-0.4136845469474793},{"word":"it's","start":2827.215,"end":2827.615,"confidence":0.9975586,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.42165395617485046},{"word":"very","start":2827.615,"end":2828.0151,"confidence":0.94921875,"punctuated_word":"very,","sentiment":"negative","sentiment_score":-0.41387081146240234},{"word":"very","start":2828.0151,"end":2828.415,"confidence":1.0,"punctuated_word":"very","sentiment":"negative","sentiment_score":-0.6476028561592102},{"word":"difficult","start":2828.415,"end":2828.915,"confidence":0.9995117,"punctuated_word":"difficult.","sentiment":"negative","sentiment_score":-0.5766146183013916},{"word":"it","start":2828.975,"end":2829.135,"confidence":1.0,"punctuated_word":"It","sentiment":"negative","sentiment_score":-0.40848949551582336},{"word":"is","start":2829.135,"end":2829.375,"confidence":0.9404297,"punctuated_word":"is.","sentiment":"negative","sentiment_score":-0.377397358417511},{"word":"it","start":2829.375,"end":2829.615,"confidence":0.99902344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.29913264513015747},{"word":"is","start":2829.615,"end":2829.855,"confidence":0.89624023,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.2963044047355652},{"word":"and","start":2829.855,"end":2830.095,"confidence":0.99609375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.2280797064304352},{"word":"we're","start":2830.095,"end":2830.2551,"confidence":0.9975586,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.2734472155570984},{"word":"just","start":2830.2551,"end":2830.495,"confidence":0.9951172,"punctuated_word":"just,","sentiment":"neutral","sentiment_score":-0.25256335735321045},{"word":"you","start":2830.495,"end":2830.655,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2000362128019333},{"word":"know","start":2830.655,"end":2830.895,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.23462599515914917},{"word":"biding","start":2830.895,"end":2831.375,"confidence":0.94873047,"punctuated_word":"biding","sentiment":"neutral","sentiment_score":-0.27088311314582825},{"word":"time","start":2831.375,"end":2831.695,"confidence":0.9812012,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.2794705629348755},{"word":"i'm","start":2831.695,"end":2831.855,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.30719608068466187},{"word":"keeping","start":2831.855,"end":2832.2551,"confidence":1.0,"punctuated_word":"keeping","sentiment":"neutral","sentiment_score":-0.31627410650253296},{"word":"her","start":2832.2551,"end":2832.495,"confidence":0.8286133,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.2854585647583008},{"word":"going","start":2832.495,"end":2832.735,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.26864925026893616},{"word":"for","start":2832.735,"end":2832.895,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.23745983839035031},{"word":"a","start":2832.895,"end":2832.975,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2898235321044922},{"word":"bit","start":2832.975,"end":2833.215,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.2625587582588196},{"word":"longer","start":2833.215,"end":2833.615,"confidence":0.7408447,"punctuated_word":"longer.","sentiment":"neutral","sentiment_score":-0.23478716611862183},{"word":"and","start":2833.615,"end":2833.855,"confidence":0.99609375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.09428305178880692},{"word":"she","start":2833.855,"end":2834.0151,"confidence":0.91748047,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.07140285521745682},{"word":"knows","start":2834.0151,"end":2834.335,"confidence":0.9970703,"punctuated_word":"knows","sentiment":"neutral","sentiment_score":-0.11014582216739656},{"word":"as","start":2834.335,"end":2834.495,"confidence":0.87060547,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.07898309081792831},{"word":"soon","start":2834.495,"end":2834.735,"confidence":1.0,"punctuated_word":"soon","sentiment":"neutral","sentiment_score":-0.13025197386741638},{"word":"as","start":2834.735,"end":2834.895,"confidence":0.9951172,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.05639909207820892},{"word":"she's","start":2834.895,"end":2834.975,"confidence":0.9824219,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":-0.060326434671878815},{"word":"because","start":2835.0552,"end":2835.2952,"confidence":0.99609375,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.00660889595746994},{"word":"you","start":2835.2952,"end":2835.455,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05579264461994171},{"word":"can","start":2835.455,"end":2835.615,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.0032148361206054688},{"word":"apply","start":2835.615,"end":2835.935,"confidence":1.0,"punctuated_word":"apply","sentiment":"neutral","sentiment_score":-0.10995513945817947},{"word":"for","start":2835.935,"end":2836.175,"confidence":0.99121094,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.078477643430233},{"word":"age","start":2836.175,"end":2836.335,"confidence":0.8339844,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.1401318907737732},{"word":"pension","start":2836.335,"end":2836.735,"confidence":0.9921875,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":-0.16656342148780823},{"word":"when","start":2836.735,"end":2836.975,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.13902851939201355},{"word":"you're","start":2836.975,"end":2837.4,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.19926372170448303},{"word":"thirteen","start":2837.7998,"end":2838.2798,"confidence":0.9941406,"punctuated_word":"thirteen","sentiment":"neutral","sentiment_score":-0.24007590115070343},{"word":"weeks","start":2838.2798,"end":2838.5999,"confidence":1.0,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":-0.151642844080925},{"word":"away","start":2838.5999,"end":2839.0,"confidence":1.0,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.10064928978681564},{"word":"from","start":2839.0,"end":2839.24,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.1982244998216629},{"word":"age","start":2839.24,"end":2839.5598,"confidence":0.9951172,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.19558697938919067},{"word":"67","start":2839.5598,"end":2840.3599,"confidence":0.9980469,"punctuated_word":"67","sentiment":"neutral","sentiment_score":-0.1713564246892929},{"word":"currently","start":2840.3599,"end":2840.8398,"confidence":0.95532227,"punctuated_word":"currently.","sentiment":"neutral","sentiment_score":-0.10403034836053848},{"word":"so","start":2840.8398,"end":2841.0798,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1246325671672821},{"word":"once","start":2841.0798,"end":2841.4,"confidence":0.57421875,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.13637198507785797},{"word":"she","start":2841.4,"end":2841.48,"confidence":0.73583984,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.12126005440950394},{"word":"hits","start":2841.48,"end":2841.72,"confidence":0.83251953,"punctuated_word":"hits","sentiment":"neutral","sentiment_score":0.1541777402162552},{"word":"that","start":2841.72,"end":2842.0398,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17632542550563812},{"word":"thirteen","start":2842.0398,"end":2842.5398,"confidence":0.9980469,"punctuated_word":"thirteen","sentiment":"neutral","sentiment_score":0.09682005643844604},{"word":"week","start":2842.5999,"end":2842.92,"confidence":0.99902344,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.08715086430311203},{"word":"period","start":2842.92,"end":2843.42,"confidence":0.9995117,"punctuated_word":"period,","sentiment":"neutral","sentiment_score":0.10554248839616776},{"word":"we","start":2843.7998,"end":2844.0398,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17269010841846466},{"word":"are","start":2844.0398,"end":2844.2,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1252633035182953},{"word":"hitting","start":2844.2,"end":2844.52,"confidence":0.9838867,"punctuated_word":"hitting","sentiment":"neutral","sentiment_score":0.2018239349126816},{"word":"that","start":2844.52,"end":2844.76,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18566329777240753},{"word":"ground","start":2844.76,"end":2845.0798,"confidence":0.97314453,"punctuated_word":"ground","sentiment":"neutral","sentiment_score":0.1736789494752884},{"word":"running","start":2845.0798,"end":2845.3198,"confidence":0.984375,"punctuated_word":"running","sentiment":"neutral","sentiment_score":0.1853521466255188},{"word":"and","start":2845.3198,"end":2845.5598,"confidence":0.56347656,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19157615303993225},{"word":"we're","start":2845.5598,"end":2845.72,"confidence":0.9995117,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.2010851949453354},{"word":"doing","start":2845.72,"end":2845.96,"confidence":0.9980469,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.1492046415805817},{"word":"it","start":2845.96,"end":2846.1199,"confidence":0.95288086,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.13722647726535797},{"word":"and","start":2846.1199,"end":2846.2,"confidence":0.9951172,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06822726875543594},{"word":"the","start":2846.2,"end":2846.3599,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06363649666309357},{"word":"same","start":2846.3599,"end":2846.5999,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.0641012042760849},{"word":"thing","start":2846.5999,"end":2846.76,"confidence":0.9970703,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.061729010194540024},{"word":"for","start":2846.76,"end":2846.92,"confidence":0.98535156,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.03857003152370453},{"word":"you","start":2846.92,"end":2847.0798,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04957839474081993},{"word":"guys","start":2847.0798,"end":2847.3198,"confidence":0.9838867,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.047953709959983826},{"word":"because","start":2847.3198,"end":2847.5598,"confidence":0.46972656,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.0487518310546875},{"word":"i","start":2847.5598,"end":2847.64,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05459078401327133},{"word":"know","start":2847.64,"end":2847.88,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.04516950249671936},{"word":"you're","start":2847.88,"end":2848.1199,"confidence":0.99658203,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.031588129699230194},{"word":"over","start":2848.1199,"end":2848.3599,"confidence":0.99902344,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.05441850423812866},{"word":"60","start":2848.3599,"end":2848.68,"confidence":0.8125,"punctuated_word":"60,","sentiment":"neutral","sentiment_score":0.03394974768161774},{"word":"so","start":2848.68,"end":2848.8398,"confidence":0.99121094,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0233658105134964},{"word":"you'll","start":2848.8398,"end":2849.16,"confidence":0.93359375,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.030795250087976456},{"word":"reach","start":2849.16,"end":2849.48,"confidence":0.98535156,"punctuated_word":"reach","sentiment":"neutral","sentiment_score":0.029062189161777496},{"word":"67","start":2849.48,"end":2850.2,"confidence":0.9995117,"punctuated_word":"67","sentiment":"neutral","sentiment_score":0.03576865792274475},{"word":"before","start":2850.2,"end":2850.5999,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.02303319424390793},{"word":"peter","start":2850.5999,"end":2851.0,"confidence":0.9902344,"punctuated_word":"Peter","sentiment":"neutral","sentiment_score":0.015986420214176178},{"word":"will","start":2851.0,"end":2851.5,"confidence":0.98706055,"punctuated_word":"will.","sentiment":"neutral","sentiment_score":0.03272433578968048},{"word":"so","start":2852.135,"end":2852.4548,"confidence":0.9819336,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08720243722200394},{"word":"when","start":2852.4548,"end":2852.695,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.12011831998825072},{"word":"you","start":2852.695,"end":2852.855,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10351907461881638},{"word":"get","start":2852.855,"end":2853.095,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.09924733638763428},{"word":"to","start":2853.095,"end":2853.255,"confidence":0.9448242,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13554923236370087},{"word":"that","start":2853.255,"end":2853.4949,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.113741435110569},{"word":"point","start":2853.4949,"end":2853.9949,"confidence":0.9995117,"punctuated_word":"point,","sentiment":"neutral","sentiment_score":0.09677033126354218},{"word":"you","start":2854.135,"end":2854.295,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13840000331401825},{"word":"and","start":2854.295,"end":2854.4548,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12945370376110077},{"word":"i","start":2854.4548,"end":2854.535,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1448400914669037},{"word":"can","start":2854.535,"end":2854.775,"confidence":0.9970703,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.12884868681430817},{"word":"have","start":2854.775,"end":2854.935,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1644296646118164},{"word":"that","start":2854.935,"end":2855.175,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1413196623325348},{"word":"conversation","start":2855.175,"end":2855.675,"confidence":0.939209,"punctuated_word":"conversation.","sentiment":"neutral","sentiment_score":0.12997522950172424},{"word":"i","start":2855.815,"end":2855.9749,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1507004052400589},{"word":"can","start":2855.9749,"end":2856.2148,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15072251856327057},{"word":"do","start":2856.2148,"end":2856.4548,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.16905026137828827},{"word":"some","start":2856.4548,"end":2856.695,"confidence":0.9970703,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.14135372638702393},{"word":"math","start":2856.695,"end":2856.935,"confidence":0.9873047,"punctuated_word":"math","sentiment":"neutral","sentiment_score":0.14921218156814575},{"word":"and","start":2856.935,"end":2857.095,"confidence":0.9707031,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1433200240135193},{"word":"run","start":2857.095,"end":2857.335,"confidence":0.99902344,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.14623233675956726},{"word":"some","start":2857.335,"end":2857.575,"confidence":0.9941406,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.11245650798082352},{"word":"numbers","start":2857.575,"end":2857.9749,"confidence":1.0,"punctuated_word":"numbers","sentiment":"neutral","sentiment_score":0.11854779720306396},{"word":"and","start":2857.9749,"end":2858.135,"confidence":0.9716797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09927843511104584},{"word":"see","start":2858.135,"end":2858.375,"confidence":0.99609375,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.11847390979528429},{"word":"what","start":2858.375,"end":2858.615,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.09728217869997025},{"word":"we","start":2858.615,"end":2858.775,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09136507660150528},{"word":"do","start":2858.775,"end":2859.015,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09317611157894136},{"word":"and","start":2859.015,"end":2859.515,"confidence":0.9406738,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.11304830759763718},{"word":"you","start":2859.575,"end":2859.7349,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10551388561725616},{"word":"know","start":2859.7349,"end":2859.895,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.11166359484195708},{"word":"how","start":2859.895,"end":2860.135,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.11183416098356248},{"word":"we","start":2860.135,"end":2860.295,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12011358141899107},{"word":"maybe","start":2860.295,"end":2860.795,"confidence":0.87060547,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.16072972118854523},{"word":"maneuver","start":2860.855,"end":2861.255,"confidence":0.9970703,"punctuated_word":"maneuver","sentiment":"neutral","sentiment_score":0.1618502140045166},{"word":"some","start":2861.255,"end":2861.4949,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1667565256357193},{"word":"money","start":2861.4949,"end":2861.7349,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.225739985704422},{"word":"to","start":2861.7349,"end":2861.895,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16628316044807434},{"word":"make","start":2861.895,"end":2862.135,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.17746809124946594},{"word":"it","start":2862.135,"end":2862.2148,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.140828475356102},{"word":"worthwhile","start":2862.2148,"end":2862.695,"confidence":0.94628906,"punctuated_word":"worthwhile","sentiment":"neutral","sentiment_score":0.16916580498218536},{"word":"so","start":2862.695,"end":2862.935,"confidence":0.6347656,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.19528722763061523},{"word":"you","start":2862.935,"end":2863.095,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2184354066848755},{"word":"guys","start":2863.095,"end":2863.335,"confidence":1.0,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.1808675676584244},{"word":"are","start":2863.335,"end":2863.415,"confidence":0.9941406,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.18215547502040863},{"word":"eligible","start":2863.415,"end":2863.915,"confidence":1.0,"punctuated_word":"eligible","sentiment":"neutral","sentiment_score":0.24038296937942505},{"word":"and","start":2863.9749,"end":2864.2148,"confidence":0.9863281,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14900445938110352},{"word":"keep","start":2864.2148,"end":2864.4548,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.15909022092819214},{"word":"as","start":2864.4548,"end":2864.615,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12690739333629608},{"word":"much","start":2864.615,"end":2864.935,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.14534354209899902},{"word":"age","start":2864.935,"end":2865.095,"confidence":0.83935547,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.1748417615890503},{"word":"pension","start":2865.095,"end":2865.4949,"confidence":0.9550781,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.1413351744413376},{"word":"as","start":2865.4949,"end":2865.655,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09218692779541016},{"word":"possible","start":2865.655,"end":2866.135,"confidence":1.0,"punctuated_word":"possible","sentiment":"neutral","sentiment_score":0.10807119309902193},{"word":"because","start":2866.135,"end":2866.635,"confidence":0.8496094,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":0.12020695209503174},{"word":"you","start":2867.2,"end":2867.36,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09928035736083984},{"word":"know","start":2867.36,"end":2867.44,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.09460294246673584},{"word":"you've","start":2867.44,"end":2867.76,"confidence":0.95092773,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.11169980466365814},{"word":"worked","start":2867.76,"end":2868.0,"confidence":0.9941406,"punctuated_word":"worked","sentiment":"neutral","sentiment_score":0.1311955749988556},{"word":"really","start":2868.0,"end":2868.24,"confidence":0.9970703,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.07721267640590668},{"word":"hard","start":2868.24,"end":2868.48,"confidence":0.9433594,"punctuated_word":"hard.","sentiment":"neutral","sentiment_score":0.11216501891613008},{"word":"you","start":2868.48,"end":2868.6401,"confidence":0.9902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.1259509027004242},{"word":"deserve","start":2868.6401,"end":2869.12,"confidence":0.9951172,"punctuated_word":"deserve","sentiment":"neutral","sentiment_score":0.08335727453231812},{"word":"these","start":2869.12,"end":2869.36,"confidence":0.9902344,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.13396619260311127},{"word":"sorts","start":2869.36,"end":2869.6,"confidence":0.9873047,"punctuated_word":"sorts","sentiment":"neutral","sentiment_score":0.1159464865922928},{"word":"of","start":2869.6,"end":2869.76,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11234156787395476},{"word":"things","start":2869.76,"end":2870.08,"confidence":1.0,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.0896553248167038},{"word":"and","start":2870.08,"end":2870.48,"confidence":0.4194336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.006948194466531277},{"word":"a","start":2870.48,"end":2870.6401,"confidence":0.9291992,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.005689204204827547},{"word":"little","start":2870.6401,"end":2870.96,"confidence":0.9892578,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.00892212986946106},{"word":"bit","start":2870.96,"end":2871.0,"confidence":0.5029297,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.0004881154745817184},{"word":"of","start":2871.0,"end":2871.04,"confidence":0.29638672,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.009953079745173454},{"word":"that","start":2871.04,"end":2871.28,"confidence":0.6411133,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.013010645285248756},{"word":"age","start":2871.28,"end":2871.44,"confidence":0.9589844,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.007204363122582436},{"word":"no","start":2875.9202,"end":2876.24,"confidence":0.9633789,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.12306973338127136},{"word":"it","start":2876.24,"end":2876.4001,"confidence":0.99902344,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.1365019977092743},{"word":"depends","start":2876.4001,"end":2876.8801,"confidence":0.99902344,"punctuated_word":"depends","sentiment":"neutral","sentiment_score":-0.08120645582675934},{"word":"on","start":2876.8801,"end":2876.96,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.10099811851978302},{"word":"what","start":2876.96,"end":2877.2,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.10220426321029664},{"word":"he","start":2877.2,"end":2877.36,"confidence":0.99609375,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.10357533395290376},{"word":"is","start":2877.36,"end":2877.6,"confidence":0.99121094,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.11332179605960846},{"word":"earning","start":2877.6,"end":2878.1,"confidence":0.98999023,"punctuated_word":"earning.","sentiment":"neutral","sentiment_score":-0.16634884476661682},{"word":"so","start":2878.6401,"end":2878.96,"confidence":0.9604492,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.06548801809549332},{"word":"if","start":2878.96,"end":2879.2,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.06989138573408127},{"word":"he's","start":2879.2,"end":2879.44,"confidence":0.9941406,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":-0.06559465825557709},{"word":"earning","start":2879.44,"end":2879.76,"confidence":0.9970703,"punctuated_word":"earning","sentiment":"neutral","sentiment_score":-0.06305646151304245},{"word":"on","start":2879.76,"end":2879.9202,"confidence":0.99609375,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.07618403434753418},{"word":"the","start":2879.9202,"end":2880.0,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05566687881946564},{"word":"kind","start":2880.0,"end":2880.24,"confidence":0.9980469,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.0513041652739048},{"word":"of","start":2880.24,"end":2880.32,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.053406745195388794},{"word":"income","start":2880.32,"end":2880.72,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.06363001465797424},{"word":"he","start":2880.72,"end":2880.8801,"confidence":0.9370117,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.060744062066078186},{"word":"is","start":2880.8801,"end":2881.04,"confidence":0.9526367,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.07395333051681519},{"word":"at","start":2881.04,"end":2881.12,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0749867781996727},{"word":"the","start":2881.12,"end":2881.28,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.054114796221256256},{"word":"moment","start":2881.28,"end":2881.68,"confidence":0.9980469,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.05732729285955429},{"word":"there's","start":2881.68,"end":2881.9202,"confidence":0.9909668,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.05896544083952904},{"word":"a","start":2881.9202,"end":2882.0,"confidence":0.9892578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06163053214550018},{"word":"very","start":2882.0,"end":2882.24,"confidence":0.99609375,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.07183296978473663},{"word":"real","start":2882.24,"end":2882.565,"confidence":0.9658203,"punctuated_word":"real","sentiment":"neutral","sentiment_score":-0.05800832062959671},{"word":"opportunity","start":2882.645,"end":2882.9648,"confidence":0.99316406,"punctuated_word":"opportunity","sentiment":"neutral","sentiment_score":-0.025779180228710175},{"word":"you","start":2882.9648,"end":2883.045,"confidence":0.81640625,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0811203345656395},{"word":"may","start":2883.045,"end":2883.2048,"confidence":0.9980469,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.06786345690488815},{"word":"not","start":2883.2048,"end":2883.4448,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.07318636775016785},{"word":"be","start":2883.4448,"end":2883.685,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.06663694977760315},{"word":"eligible","start":2883.685,"end":2884.165,"confidence":1.0,"punctuated_word":"eligible","sentiment":"neutral","sentiment_score":-0.05332804098725319},{"word":"because","start":2884.165,"end":2884.4849,"confidence":0.9194336,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.0454939529299736},{"word":"they","start":2884.4849,"end":2884.7249,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.06407338380813599},{"word":"work","start":2884.7249,"end":2885.2249,"confidence":0.8491211,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":0.0077370330691337585},{"word":"you","start":2885.285,"end":2885.4448,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.02136627957224846},{"word":"get","start":2885.4448,"end":2885.605,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.01754908636212349},{"word":"the","start":2885.605,"end":2885.845,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01612957939505577},{"word":"assets","start":2885.845,"end":2886.2449,"confidence":0.76123047,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":-0.004016201943159103},{"word":"test","start":2886.2449,"end":2886.565,"confidence":0.86572266,"punctuated_word":"test","sentiment":"neutral","sentiment_score":0.010926373302936554},{"word":"and","start":2886.565,"end":2886.7249,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.006131138652563095},{"word":"the","start":2886.7249,"end":2886.9648,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0004940629005432129},{"word":"income","start":2886.9648,"end":2887.4448,"confidence":1.0,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.006068330258131027},{"word":"test","start":2887.4448,"end":2887.9448,"confidence":0.85302734,"punctuated_word":"test,","sentiment":"neutral","sentiment_score":-0.004225935786962509},{"word":"and","start":2888.2449,"end":2888.405,"confidence":0.7680664,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.006537452340126038},{"word":"the","start":2888.405,"end":2888.565,"confidence":0.9873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.010600939393043518},{"word":"one","start":2888.565,"end":2888.7249,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.021760493516921997},{"word":"that","start":2888.7249,"end":2888.885,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.019145898520946503},{"word":"gives","start":2888.885,"end":2889.125,"confidence":0.9921875,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.00499928742647171},{"word":"you","start":2889.125,"end":2889.285,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0070206038653850555},{"word":"the","start":2889.285,"end":2889.4448,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00400879979133606},{"word":"lower","start":2889.4448,"end":2889.685,"confidence":0.99902344,"punctuated_word":"lower","sentiment":"neutral","sentiment_score":0.005824487656354904},{"word":"rate","start":2889.685,"end":2889.925,"confidence":0.9941406,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.00043209269642829895},{"word":"of","start":2889.925,"end":2890.005,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.006801195442676544},{"word":"pay","start":2890.005,"end":2890.2449,"confidence":1.0,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.021634336560964584},{"word":"is","start":2890.2449,"end":2890.405,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.004737135022878647},{"word":"the","start":2890.405,"end":2890.4849,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01323895901441574},{"word":"one","start":2890.4849,"end":2890.7249,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.006362222135066986},{"word":"they","start":2890.7249,"end":2890.885,"confidence":0.99316406,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.005116630345582962},{"word":"go","start":2890.885,"end":2891.125,"confidence":0.99609375,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.004150792956352234},{"word":"with","start":2891.125,"end":2891.625,"confidence":0.96484375,"punctuated_word":"with.","sentiment":"neutral","sentiment_score":-0.014094029553234575},{"word":"but","start":2892.405,"end":2892.885,"confidence":0.9160156,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.0019690878689289093},{"word":"we","start":2892.885,"end":2893.125,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.003733657300472259},{"word":"can","start":2893.125,"end":2893.625,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.003089047968387604},{"word":"but","start":2894.82,"end":2895.06,"confidence":0.9970703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.005790373310446739},{"word":"we","start":2895.06,"end":2895.3,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.0034571047872304916},{"word":"can","start":2895.3,"end":2895.46,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0018895380198955536},{"word":"also","start":2895.46,"end":2895.9402,"confidence":0.9951172,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.0007082894444465637},{"word":"look","start":2895.9402,"end":2896.1,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.0007203705608844757},{"word":"at","start":2896.1,"end":2896.4202,"confidence":0.98950195,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":-0.005181846208870411},{"word":"you","start":2896.4202,"end":2896.5,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00916651263833046},{"word":"know","start":2896.5,"end":2896.82,"confidence":0.99853516,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.005321073345839977},{"word":"maneuvering","start":2896.82,"end":2897.32,"confidence":0.99609375,"punctuated_word":"maneuvering","sentiment":"neutral","sentiment_score":0.000636562705039978},{"word":"some","start":2897.46,"end":2897.7002,"confidence":0.9941406,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.018433114513754845},{"word":"things","start":2897.7002,"end":2898.2002,"confidence":0.9926758,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":-0.01412228960543871},{"word":"i","start":2898.5,"end":2898.6602,"confidence":0.9589844,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.005779702216386795},{"word":"can","start":2898.6602,"end":2898.9001,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.00733383372426033},{"word":"find","start":2898.9001,"end":2899.22,"confidence":1.0,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.0012944862246513369},{"word":"ways","start":2899.22,"end":2899.7002,"confidence":0.9980469,"punctuated_word":"ways","sentiment":"neutral","sentiment_score":-0.0016085878014564514},{"word":"to","start":2899.7002,"end":2900.2002,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.001507844775915146},{"word":"i","start":2900.4202,"end":2900.58,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0031583495438098907},{"word":"have","start":2900.58,"end":2900.82,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.00015099719166755676},{"word":"legitimate","start":2900.82,"end":2901.32,"confidence":0.93847656,"punctuated_word":"legitimate","sentiment":"neutral","sentiment_score":-0.010922495275735857},{"word":"legal","start":2901.46,"end":2901.78,"confidence":0.984375,"punctuated_word":"legal","sentiment":"neutral","sentiment_score":-0.0034305602312088013},{"word":"ways","start":2901.78,"end":2902.26,"confidence":0.99609375,"punctuated_word":"ways","sentiment":"neutral","sentiment_score":-0.009318623691797256},{"word":"to","start":2902.26,"end":2902.5,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.00816158577799797},{"word":"hide","start":2902.5,"end":2902.9001,"confidence":1.0,"punctuated_word":"hide","sentiment":"neutral","sentiment_score":-0.010925142094492912},{"word":"money","start":2902.9001,"end":2903.4001,"confidence":0.98828125,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.01773260161280632},{"word":"or","start":2903.86,"end":2904.1802,"confidence":0.9091797,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.005997328087687492},{"word":"to","start":2904.1802,"end":2904.34,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.003339126706123352},{"word":"we","start":2904.5,"end":2904.74,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.01114761270582676},{"word":"call","start":2904.74,"end":2904.98,"confidence":0.9838867,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.006985070183873177},{"word":"it","start":2904.98,"end":2905.1401,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.004068007692694664},{"word":"sheltering","start":2905.1401,"end":2905.6401,"confidence":0.9980469,"punctuated_word":"sheltering","sentiment":"neutral","sentiment_score":-0.0014667212963104248},{"word":"of","start":2905.86,"end":2906.02,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.00041565485298633575},{"word":"funds","start":2906.02,"end":2906.52,"confidence":0.9707031,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.002714976668357849},{"word":"so","start":2907.7551,"end":2907.915,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.016388604417443275},{"word":"that","start":2907.915,"end":2908.155,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03993738070130348},{"word":"it's","start":2908.155,"end":2908.395,"confidence":0.9926758,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.02497294172644615},{"word":"either","start":2908.395,"end":2908.715,"confidence":0.9863281,"punctuated_word":"either","sentiment":"neutral","sentiment_score":0.004899166524410248},{"word":"not","start":2908.715,"end":2908.955,"confidence":0.9980469,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.0003917999565601349},{"word":"assessable","start":2908.955,"end":2909.455,"confidence":0.7919922,"punctuated_word":"assessable","sentiment":"neutral","sentiment_score":-0.0005796812474727631},{"word":"or","start":2909.675,"end":2909.915,"confidence":0.8935547,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.0005128756165504456},{"word":"the","start":2909.915,"end":2910.155,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.011948328465223312},{"word":"accessibility","start":2910.155,"end":2910.655,"confidence":0.65625,"punctuated_word":"accessibility","sentiment":"neutral","sentiment_score":-0.016087062656879425},{"word":"by","start":2910.875,"end":2911.195,"confidence":0.9970703,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.00803225114941597},{"word":"centrelink","start":2911.195,"end":2911.695,"confidence":0.9291992,"punctuated_word":"Centrelink","sentiment":"neutral","sentiment_score":-0.00870448723435402},{"word":"is","start":2911.7551,"end":2911.995,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.027066349983215332},{"word":"lowered","start":2911.995,"end":2912.475,"confidence":0.97509766,"punctuated_word":"lowered","sentiment":"neutral","sentiment_score":0.030680974945425987},{"word":"because","start":2912.475,"end":2912.7952,"confidence":0.9838867,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.032161030918359756},{"word":"of","start":2912.7952,"end":2912.955,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02399345859885216},{"word":"the","start":2912.955,"end":2913.115,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.011972296983003616},{"word":"asset","start":2913.115,"end":2913.435,"confidence":0.98095703,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.00807647779583931},{"word":"it","start":2913.435,"end":2913.675,"confidence":0.9580078,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.006078824400901794},{"word":"is","start":2913.675,"end":2914.175,"confidence":0.9741211,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.013649500906467438},{"word":"and","start":2914.715,"end":2914.875,"confidence":0.95166016,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0671357810497284},{"word":"i","start":2914.875,"end":2915.0352,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.080164834856987},{"word":"can","start":2915.0352,"end":2915.2751,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.099272258579731},{"word":"work","start":2915.2751,"end":2915.595,"confidence":0.99902344,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.11305023729801178},{"word":"out","start":2915.595,"end":2915.835,"confidence":0.9921875,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.0854683369398117},{"word":"both","start":2915.835,"end":2916.235,"confidence":0.9951172,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.06597639620304108},{"word":"the","start":2916.235,"end":2916.475,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08139685541391373},{"word":"income","start":2916.475,"end":2916.875,"confidence":0.9980469,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.06542054563760757},{"word":"and","start":2916.875,"end":2917.0352,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04543714597821236},{"word":"assets","start":2917.0352,"end":2917.5151,"confidence":0.88134766,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.027166342362761497},{"word":"test","start":2917.5151,"end":2917.995,"confidence":0.93603516,"punctuated_word":"test","sentiment":"neutral","sentiment_score":0.0615672767162323},{"word":"and","start":2917.995,"end":2918.155,"confidence":0.9301758,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06311433762311935},{"word":"do","start":2918.155,"end":2918.395,"confidence":0.9921875,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08913804590702057},{"word":"the","start":2918.395,"end":2918.475,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09010108560323717},{"word":"math","start":2918.475,"end":2918.875,"confidence":0.9165039,"punctuated_word":"math","sentiment":"neutral","sentiment_score":0.0706164613366127},{"word":"calculation","start":2918.875,"end":2919.375,"confidence":0.98828125,"punctuated_word":"calculation","sentiment":"neutral","sentiment_score":0.06744217872619629},{"word":"to","start":2919.5151,"end":2919.675,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08154621720314026},{"word":"work","start":2919.675,"end":2919.915,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.09695172309875488},{"word":"out","start":2919.915,"end":2920.0752,"confidence":0.6567383,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.06896594166755676},{"word":"how","start":2920.0752,"end":2920.3152,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.0641607940196991},{"word":"it","start":2920.3152,"end":2920.475,"confidence":0.97314453,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06796900182962418},{"word":"work","start":2920.475,"end":2920.715,"confidence":0.42797852,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.08640293031930923},{"word":"and","start":2920.715,"end":2920.875,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0825510248541832},{"word":"what","start":2920.875,"end":2921.115,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.07088615000247955},{"word":"it","start":2921.115,"end":2921.195,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06001339107751846},{"word":"looks","start":2921.195,"end":2921.435,"confidence":0.99609375,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.05081263184547424},{"word":"like","start":2921.435,"end":2921.675,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.04959260672330856},{"word":"for","start":2921.675,"end":2921.915,"confidence":0.9194336,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05631770193576813},{"word":"you","start":2921.915,"end":2922.0752,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05202854797244072},{"word":"guys","start":2922.0752,"end":2922.45,"confidence":0.95825195,"punctuated_word":"guys.","sentiment":"neutral","sentiment_score":0.04770802706480026},{"word":"so","start":2922.45,"end":2922.95,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03287597745656967},{"word":"there's","start":2923.97,"end":2924.29,"confidence":0.8947754,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.016496755182743073},{"word":"definitely","start":2924.29,"end":2924.77,"confidence":0.99902344,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.009808197617530824},{"word":"some","start":2924.77,"end":2925.01,"confidence":0.984375,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.000524420291185379},{"word":"things","start":2925.01,"end":2925.51,"confidence":0.8691406,"punctuated_word":"things.","sentiment":"neutral","sentiment_score":-0.001777593046426773},{"word":"not","start":2929.73,"end":2930.13,"confidence":0.9604492,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.019234687089920044},{"word":"necessarily","start":2930.13,"end":2930.63,"confidence":0.67333984,"punctuated_word":"necessarily","sentiment":"neutral","sentiment_score":-0.023477651178836823},{"word":"not","start":2930.77,"end":2931.01,"confidence":0.53466797,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.027087479829788208},{"word":"necessarily","start":2931.01,"end":2931.51,"confidence":0.9970703,"punctuated_word":"necessarily.","sentiment":"neutral","sentiment_score":-0.02507413737475872},{"word":"i've","start":2931.89,"end":2932.05,"confidence":1.0,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.03242501616477966},{"word":"got","start":2932.05,"end":2932.29,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.05225108563899994},{"word":"some","start":2932.29,"end":2932.6099,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.031116217374801636},{"word":"really","start":2932.6099,"end":2932.93,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.048994965851306915},{"word":"cool","start":2932.93,"end":2933.17,"confidence":1.0,"punctuated_word":"cool","sentiment":"neutral","sentiment_score":0.08798310160636902},{"word":"other","start":2933.17,"end":2933.67,"confidence":0.9970703,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.10141773521900176},{"word":"things","start":2933.81,"end":2934.13,"confidence":0.93603516,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.13027767837047577},{"word":"that","start":2934.13,"end":2934.29,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0970410257577896},{"word":"we","start":2934.29,"end":2934.45,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09203795343637466},{"word":"can","start":2934.45,"end":2934.69,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09666687250137328},{"word":"look","start":2934.69,"end":2934.93,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1163916066288948},{"word":"at","start":2934.93,"end":2935.305,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1101391464471817},{"word":"to","start":2936.265,"end":2936.505,"confidence":0.9716797,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05663790926337242},{"word":"shelter","start":2936.505,"end":2936.9849,"confidence":0.8745117,"punctuated_word":"shelter","sentiment":"neutral","sentiment_score":0.03529856353998184},{"word":"money","start":2936.9849,"end":2937.4648,"confidence":0.9970703,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.08132783323526382},{"word":"so","start":2937.4648,"end":2937.625,"confidence":0.9448242,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.05479567125439644},{"word":"that","start":2937.625,"end":2937.865,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05122695118188858},{"word":"you","start":2937.865,"end":2938.025,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03838434070348739},{"word":"have","start":2938.025,"end":2938.345,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.012243295088410378},{"word":"access","start":2938.345,"end":2938.7449,"confidence":0.9980469,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.03190859779715538},{"word":"to","start":2938.7449,"end":2938.905,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.033552221953868866},{"word":"money","start":2938.905,"end":2939.145,"confidence":0.99902344,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.028301693499088287},{"word":"when","start":2939.145,"end":2939.385,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.025457333773374557},{"word":"you","start":2939.385,"end":2939.545,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.015362992882728577},{"word":"need","start":2939.545,"end":2939.785,"confidence":0.9970703,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.02965014800429344},{"word":"it","start":2939.785,"end":2939.9448,"confidence":0.84350586,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.005355916917324066},{"word":"but","start":2939.9448,"end":2940.1848,"confidence":0.9941406,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.00941256433725357},{"word":"the","start":2940.1848,"end":2940.345,"confidence":0.49316406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04803439602255821},{"word":"the","start":2940.345,"end":2940.845,"confidence":0.44750977,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04333001375198364},{"word":"the","start":2940.905,"end":2940.9849,"confidence":0.44873047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04902593418955803},{"word":"centrelink","start":2940.9849,"end":2941.4849,"confidence":0.8730469,"punctuated_word":"Centrelink","sentiment":"neutral","sentiment_score":-0.008385367691516876},{"word":"isn't","start":2941.7048,"end":2942.025,"confidence":0.9980469,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.032887592911720276},{"word":"assessing","start":2942.025,"end":2942.505,"confidence":0.94384766,"punctuated_word":"assessing","sentiment":"neutral","sentiment_score":-0.025768324732780457},{"word":"it","start":2942.505,"end":2942.665,"confidence":0.9604492,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0554799810051918},{"word":"the","start":2942.665,"end":2942.825,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06381236016750336},{"word":"same","start":2942.825,"end":2943.065,"confidence":1.0,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.04035817086696625},{"word":"way","start":2943.065,"end":2943.305,"confidence":0.99902344,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.049802012741565704},{"word":"as","start":2943.305,"end":2943.545,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.04032713919878006},{"word":"they","start":2943.545,"end":2943.7048,"confidence":0.9770508,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.02092597633600235},{"word":"would","start":2943.7048,"end":2943.9448,"confidence":0.9970703,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.017548657953739166},{"word":"your","start":2943.9448,"end":2944.1848,"confidence":0.7182617,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.009411923587322237},{"word":"super","start":2944.1848,"end":2944.6848,"confidence":0.875,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.04026218503713608},{"word":"yeah","start":2947.305,"end":2947.625,"confidence":0.9145508,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.49844974279403687},{"word":"it","start":2947.625,"end":2947.785,"confidence":0.99902344,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.6173166632652283},{"word":"is","start":2947.785,"end":2948.025,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5982496738433838},{"word":"pretty","start":2948.025,"end":2948.265,"confidence":0.9980469,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.6493715643882751},{"word":"cool","start":2948.265,"end":2948.585,"confidence":0.99658203,"punctuated_word":"cool.","sentiment":"positive","sentiment_score":0.5900219082832336},{"word":"it","start":2948.585,"end":2948.7449,"confidence":1.0,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.3864031136035919},{"word":"is","start":2948.7449,"end":2948.905,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.50545334815979},{"word":"pretty","start":2948.905,"end":2949.2249,"confidence":1.0,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.482388436794281},{"word":"cool","start":2949.2249,"end":2949.4648,"confidence":1.0,"punctuated_word":"cool.","sentiment":"positive","sentiment_score":0.4418243169784546},{"word":"i","start":2949.4648,"end":2949.785,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17587590217590332},{"word":"i","start":2949.785,"end":2949.9448,"confidence":0.99609375,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.8000699281692505},{"word":"love","start":2949.9448,"end":2950.105,"confidence":0.99902344,"punctuated_word":"love","sentiment":"positive","sentiment_score":0.8391308784484863},{"word":"it","start":2950.105,"end":2950.41,"confidence":1.0,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.7936230301856995},{"word":"it's","start":2950.49,"end":2950.65,"confidence":0.9995117,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.39539289474487305},{"word":"funny","start":2950.65,"end":2950.89,"confidence":1.0,"punctuated_word":"funny","sentiment":"positive","sentiment_score":0.33662956953048706},{"word":"because","start":2950.89,"end":2951.21,"confidence":0.82128906,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.2582707405090332},{"word":"one","start":2951.21,"end":2951.3699,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.25350332260131836},{"word":"of","start":2951.3699,"end":2951.45,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23408842086791992},{"word":"my","start":2951.45,"end":2951.6099,"confidence":1.0,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.3432868719100952},{"word":"best","start":2951.6099,"end":2951.8499,"confidence":1.0,"punctuated_word":"best","sentiment":"positive","sentiment_score":0.40156349539756775},{"word":"friends","start":2951.8499,"end":2952.0898,"confidence":0.97314453,"punctuated_word":"friends","sentiment":"positive","sentiment_score":0.36912402510643005},{"word":"works","start":2952.0898,"end":2952.41,"confidence":0.43920898,"punctuated_word":"works","sentiment":"neutral","sentiment_score":0.30644887685775757},{"word":"for","start":2952.41,"end":2952.5698,"confidence":0.9453125,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3472764790058136},{"word":"centrelink","start":2952.5698,"end":2953.0698,"confidence":0.84765625,"punctuated_word":"Centrelink,","sentiment":"positive","sentiment_score":0.4101408421993256},{"word":"so","start":2953.13,"end":2953.2898,"confidence":0.97998047,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.345452219247818},{"word":"her","start":2953.2898,"end":2953.45,"confidence":0.9951172,"punctuated_word":"her","sentiment":"positive","sentiment_score":0.3438516855239868},{"word":"job","start":2953.45,"end":2953.69,"confidence":0.99902344,"punctuated_word":"job","sentiment":"positive","sentiment_score":0.3520750403404236},{"word":"is","start":2953.69,"end":2953.8499,"confidence":0.99609375,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.372075229883194},{"word":"to","start":2953.8499,"end":2954.01,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.42109841108322144},{"word":"give","start":2954.01,"end":2954.17,"confidence":0.99902344,"punctuated_word":"give","sentiment":"positive","sentiment_score":0.44392749667167664},{"word":"you","start":2954.17,"end":2954.3298,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5073084235191345},{"word":"the","start":2954.3298,"end":2954.49,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4031868875026703},{"word":"least","start":2954.49,"end":2954.73,"confidence":0.99902344,"punctuated_word":"least","sentiment":"neutral","sentiment_score":0.31438153982162476},{"word":"amount","start":2954.73,"end":2954.89,"confidence":1.0,"punctuated_word":"amount","sentiment":"positive","sentiment_score":0.39998066425323486},{"word":"of","start":2954.89,"end":2954.97,"confidence":0.9970703,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4111956954002381},{"word":"money","start":2954.97,"end":2955.2898,"confidence":0.74108887,"punctuated_word":"money,","sentiment":"positive","sentiment_score":0.40559494495391846},{"word":"and","start":2955.2898,"end":2955.3699,"confidence":0.9980469,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3534527122974396},{"word":"my","start":2955.3699,"end":2955.53,"confidence":0.99902344,"punctuated_word":"my","sentiment":"positive","sentiment_score":0.47247079014778137},{"word":"job's","start":2955.53,"end":2955.77,"confidence":0.810791,"punctuated_word":"job's","sentiment":"positive","sentiment_score":0.49196141958236694},{"word":"to","start":2955.77,"end":2955.93,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.458245187997818},{"word":"get","start":2955.93,"end":2956.0898,"confidence":0.99316406,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.4950791001319885},{"word":"you","start":2956.0898,"end":2956.17,"confidence":0.9970703,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4776891171932221},{"word":"the","start":2956.17,"end":2956.3298,"confidence":0.9941406,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.41282227635383606},{"word":"most","start":2956.3298,"end":2956.8298,"confidence":0.9802246,"punctuated_word":"most.","sentiment":"positive","sentiment_score":0.4013118445873261},{"word":"yeah","start":2962.5698,"end":2963.0698,"confidence":0.97802734,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0766831785440445},{"word":"yeah","start":2964.555,"end":2965.055,"confidence":0.84716797,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.012966398149728777},{"word":"yeah","start":2974.7148,"end":2975.2148,"confidence":0.8190918,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14426985383033752},{"word":"absolutely","start":2976.395,"end":2976.895,"confidence":0.94262695,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.1510194092988968},{"word":"yeah","start":2979.05,"end":2979.37,"confidence":0.9909668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07492337375879288},{"word":"abs","start":2979.37,"end":2979.69,"confidence":0.7163086,"punctuated_word":"Abs","sentiment":"neutral","sentiment_score":0.08372966200113297},{"word":"absolutely","start":2979.93,"end":2980.43,"confidence":0.9916992,"punctuated_word":"absolutely.","sentiment":"neutral","sentiment_score":0.07445482164621353},{"word":"as","start":2980.81,"end":2981.05,"confidence":0.8769531,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.047138359397649765},{"word":"i","start":2981.05,"end":2981.13,"confidence":0.9223633,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05753716826438904},{"word":"said","start":2981.13,"end":2981.29,"confidence":0.94555664,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.0616266205906868},{"word":"just","start":2981.29,"end":2981.45,"confidence":0.7597656,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06256526708602905},{"word":"make","start":2981.45,"end":2981.69,"confidence":0.8364258,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.04689101129770279},{"word":"mention","start":2981.69,"end":2982.01,"confidence":0.6608887,"punctuated_word":"mention,","sentiment":"neutral","sentiment_score":0.06822128593921661},{"word":"there's","start":2982.01,"end":2982.17,"confidence":0.9711914,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.10040020197629929},{"word":"no","start":2982.17,"end":2982.41,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.08999006450176239},{"word":"obligation","start":2982.41,"end":2982.91,"confidence":0.75219727,"punctuated_word":"obligation,","sentiment":"neutral","sentiment_score":0.037884507328271866},{"word":"but","start":2983.13,"end":2983.53,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0615386888384819},{"word":"as","start":2983.53,"end":2983.69,"confidence":0.8540039,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0810469463467598},{"word":"much","start":2983.69,"end":2983.85,"confidence":0.99609375,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.08231180161237717},{"word":"as","start":2983.85,"end":2984.09,"confidence":0.9951172,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09503478556871414},{"word":"it's","start":2984.09,"end":2984.25,"confidence":0.9921875,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.13210837543010712},{"word":"always","start":2984.25,"end":2984.49,"confidence":1.0,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.19839631021022797},{"word":"better","start":2984.49,"end":2984.81,"confidence":0.91503906,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.12977012991905212},{"word":"to","start":2984.81,"end":2984.89,"confidence":0.77441406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15970855951309204},{"word":"try","start":2984.89,"end":2985.05,"confidence":0.9375,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.12033220380544662},{"word":"and","start":2985.05,"end":2985.13,"confidence":0.8569336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.159755676984787},{"word":"do","start":2985.13,"end":2985.29,"confidence":0.9921875,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.13026005029678345},{"word":"things","start":2985.29,"end":2985.61,"confidence":0.99902344,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.0905301198363304},{"word":"as","start":2985.61,"end":2985.77,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13366207480430603},{"word":"early","start":2985.77,"end":2986.01,"confidence":1.0,"punctuated_word":"early","sentiment":"neutral","sentiment_score":0.12330340594053268},{"word":"as","start":2986.01,"end":2986.17,"confidence":0.9980469,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06390789151191711},{"word":"possible","start":2986.17,"end":2986.57,"confidence":0.9748535,"punctuated_word":"possible,","sentiment":"neutral","sentiment_score":0.1279149055480957},{"word":"it's","start":2986.57,"end":2986.73,"confidence":0.96728516,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.19488418102264404},{"word":"also","start":2986.73,"end":2987.05,"confidence":0.9902344,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.19853338599205017},{"word":"gotta","start":2987.05,"end":2987.37,"confidence":0.82910156,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":0.17409074306488037},{"word":"be","start":2987.37,"end":2987.53,"confidence":0.99316406,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.11616774648427965},{"word":"within","start":2987.53,"end":2987.77,"confidence":0.9951172,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.1287788152694702},{"word":"someone's","start":2987.77,"end":2988.17,"confidence":0.99853516,"punctuated_word":"someone's","sentiment":"neutral","sentiment_score":0.13195699453353882},{"word":"comfort","start":2988.17,"end":2988.57,"confidence":0.9970703,"punctuated_word":"comfort","sentiment":"neutral","sentiment_score":0.09546299278736116},{"word":"level","start":2988.57,"end":2988.89,"confidence":0.97436523,"punctuated_word":"level.","sentiment":"neutral","sentiment_score":0.10477294772863388},{"word":"so","start":2988.89,"end":2989.05,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0736587643623352},{"word":"when","start":2989.05,"end":2989.29,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.05734892934560776},{"word":"they're","start":2989.29,"end":2989.61,"confidence":0.99902344,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.06818946450948715},{"word":"ready","start":2989.61,"end":2990.01,"confidence":0.9995117,"punctuated_word":"ready,","sentiment":"neutral","sentiment_score":0.0795629546046257},{"word":"i","start":2990.01,"end":2990.17,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10002310574054718},{"word":"will","start":2990.17,"end":2990.49,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.07093657553195953},{"word":"be","start":2990.49,"end":2990.73,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.05689292028546333},{"word":"there","start":2990.73,"end":2991.05,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.04567217454314232},{"word":"at","start":2991.05,"end":2991.21,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0619964674115181},{"word":"any","start":2991.21,"end":2991.53,"confidence":0.9326172,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.06546872109174728},{"word":"time","start":2991.53,"end":2991.77,"confidence":0.98095703,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.021652307361364365},{"word":"they","start":2991.77,"end":2992.01,"confidence":0.43847656,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.0013367310166358948},{"word":"are","start":2992.01,"end":2992.17,"confidence":0.71240234,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.008114829659461975},{"word":"not","start":2992.17,"end":2992.65,"confidence":0.97753906,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":0.003331674262881279},{"word":"okay","start":2992.65,"end":2993.15,"confidence":0.8312988,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.03988899663090706},{"word":"yeah","start":2994.225,"end":2994.725,"confidence":0.9875488,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10138171166181564},{"word":"all","start":2995.5852,"end":2995.8252,"confidence":0.8984375,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.4354515075683594},{"word":"good","start":2995.8252,"end":2996.3252,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.3375324606895447},{"word":"that's","start":2996.625,"end":2996.945,"confidence":0.8425293,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.19367848336696625},{"word":"essentially","start":2996.945,"end":2997.425,"confidence":0.9550781,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.03564858436584473},{"word":"what","start":2997.425,"end":2997.8252,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.02936568856239319},{"word":"i","start":2997.8252,"end":2997.985,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03898022696375847},{"word":"needed","start":2997.985,"end":2998.385,"confidence":0.99902344,"punctuated_word":"needed","sentiment":"neutral","sentiment_score":0.03637301176786423},{"word":"to","start":2998.385,"end":2998.465,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.028643768280744553},{"word":"go","start":2998.465,"end":2998.705,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.015754781663417816},{"word":"through","start":2998.705,"end":2998.945,"confidence":0.93603516,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.021923478692770004},{"word":"with","start":2998.945,"end":2999.185,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03671855479478836},{"word":"you","start":2999.185,"end":2999.3452,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05442672222852707},{"word":"guys","start":2999.3452,"end":2999.8252,"confidence":0.98950195,"punctuated_word":"guys.","sentiment":"neutral","sentiment_score":0.05614393204450607},{"word":"i","start":2999.8252,"end":3000.0652,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0436798557639122},{"word":"do","start":3000.0652,"end":3000.465,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07157069444656372},{"word":"have","start":3000.465,"end":3000.865,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05852730944752693},{"word":"a","start":3000.865,"end":3001.0251,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.045777350664138794},{"word":"little","start":3001.0251,"end":3001.2651,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.04371040686964989},{"word":"section","start":3001.2651,"end":3001.665,"confidence":1.0,"punctuated_word":"section","sentiment":"neutral","sentiment_score":0.04475773870944977},{"word":"at","start":3001.665,"end":3001.8252,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06307152658700943},{"word":"the","start":3001.8252,"end":3001.905,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.045074161142110825},{"word":"bottom","start":3001.905,"end":3002.225,"confidence":1.0,"punctuated_word":"bottom","sentiment":"neutral","sentiment_score":0.06399688869714737},{"word":"there","start":3002.225,"end":3002.465,"confidence":0.98535156,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.0505555123090744},{"word":"just","start":3002.465,"end":3002.705,"confidence":0.93847656,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05327471345663071},{"word":"recommending","start":3002.705,"end":3003.205,"confidence":0.99902344,"punctuated_word":"recommending","sentiment":"neutral","sentiment_score":0.06492755562067032},{"word":"that","start":3003.2651,"end":3003.425,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03586970269680023},{"word":"you","start":3003.425,"end":3003.665,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04180799052119255},{"word":"still","start":3003.665,"end":3003.905,"confidence":0.9038086,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.0427645668387413},{"word":"review","start":3003.905,"end":3004.3052,"confidence":1.0,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.04094275087118149},{"word":"your","start":3004.3052,"end":3004.5452,"confidence":0.9980469,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.027334511280059814},{"word":"existing","start":3004.5452,"end":3005.0452,"confidence":1.0,"punctuated_word":"existing","sentiment":"neutral","sentiment_score":0.04613152891397476},{"word":"will","start":3005.1052,"end":3005.6052,"confidence":0.42614746,"punctuated_word":"will.","sentiment":"neutral","sentiment_score":0.03798136115074158},{"word":"retaining","start":3006.145,"end":3006.645,"confidence":0.9909668,"punctuated_word":"Retaining","sentiment":"neutral","sentiment_score":0.0469963513314724},{"word":"the","start":3006.705,"end":3006.865,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0223066583275795},{"word":"insurances","start":3006.865,"end":3007.365,"confidence":0.83496094,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.042816758155822754},{"word":"that","start":3007.5051,"end":3007.665,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04457440972328186},{"word":"you","start":3007.665,"end":3007.8252,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.031355224549770355},{"word":"have","start":3007.8252,"end":3007.985,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04178890585899353},{"word":"at","start":3007.985,"end":3008.145,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.049166008830070496},{"word":"the","start":3008.145,"end":3008.225,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05253344029188156},{"word":"moment","start":3008.225,"end":3008.625,"confidence":0.9123535,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.08356234431266785},{"word":"your","start":3008.625,"end":3008.7852,"confidence":0.88671875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11420632898807526},{"word":"your","start":3008.7852,"end":3009.15,"confidence":0.88964844,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10099290311336516},{"word":"peter's","start":3009.15,"end":3009.39,"confidence":0.7426758,"punctuated_word":"Peter's","sentiment":"neutral","sentiment_score":0.06251829862594604},{"word":"life","start":3009.39,"end":3009.63,"confidence":0.38085938,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.09891647100448608},{"word":"and","start":3009.63,"end":3010.0298,"confidence":0.8857422,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08843010663986206},{"word":"cbd","start":3010.0298,"end":3010.5298,"confidence":0.7553711,"punctuated_word":"CBD","sentiment":"neutral","sentiment_score":0.10498695075511932},{"word":"and","start":3011.23,"end":3011.39,"confidence":0.5136719,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08628189563751221},{"word":"your","start":3011.39,"end":3011.71,"confidence":0.9941406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08711931854486465},{"word":"life","start":3011.71,"end":3012.0298,"confidence":0.9428711,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.06122330203652382},{"word":"cover","start":3012.0298,"end":3012.3499,"confidence":0.9790039,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.09539544582366943},{"word":"with","start":3012.3499,"end":3012.5898,"confidence":0.97802734,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06932267546653748},{"word":"real","start":3012.5898,"end":3012.8298,"confidence":0.36950684,"punctuated_word":"real,","sentiment":"neutral","sentiment_score":0.07242242246866226},{"word":"just","start":3012.8298,"end":3012.99,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10112901031970978},{"word":"because","start":3012.99,"end":3013.23,"confidence":0.7421875,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.09827595204114914},{"word":"you're","start":3013.23,"end":3013.39,"confidence":0.85424805,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1071913093328476},{"word":"still","start":3013.39,"end":3013.71,"confidence":0.8964844,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.12406820803880692},{"word":"comfortable","start":3013.71,"end":3014.19,"confidence":0.9921875,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.07742208242416382},{"word":"with","start":3014.19,"end":3014.3499,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.12414438277482986},{"word":"the","start":3014.3499,"end":3014.51,"confidence":0.984375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09934396296739578},{"word":"level","start":3014.51,"end":3014.75,"confidence":1.0,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.12315215170383452},{"word":"of","start":3014.75,"end":3014.91,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.059012629091739655},{"word":"cover","start":3014.91,"end":3015.23,"confidence":0.9189453,"punctuated_word":"cover,","sentiment":"neutral","sentiment_score":0.05644066631793976},{"word":"but","start":3015.23,"end":3015.47,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.06905925273895264},{"word":"we'll","start":3015.47,"end":3015.63,"confidence":1.0,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.06218873709440231},{"word":"keep","start":3015.63,"end":3015.8699,"confidence":1.0,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.06770142912864685},{"word":"reviewing","start":3015.8699,"end":3016.3499,"confidence":1.0,"punctuated_word":"reviewing","sentiment":"neutral","sentiment_score":0.019992344081401825},{"word":"those","start":3016.3499,"end":3016.67,"confidence":0.99609375,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.0470602810382843},{"word":"down","start":3016.67,"end":3016.8298,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.09613095223903656},{"word":"the","start":3016.8298,"end":3016.99,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04870401322841644},{"word":"track","start":3016.99,"end":3017.3098,"confidence":0.9941406,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.043336134403944016},{"word":"as","start":3017.3098,"end":3017.47,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08035211265087128},{"word":"well","start":3017.47,"end":3017.97,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.019272953271865845},{"word":"yeah","start":3029.295,"end":3029.695,"confidence":0.86621094,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.014042193070054054},{"word":"the","start":3029.695,"end":3029.855,"confidence":0.9970703,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.05225767195224762},{"word":"biggest","start":3029.855,"end":3030.175,"confidence":1.0,"punctuated_word":"biggest","sentiment":"neutral","sentiment_score":-0.04175431281328201},{"word":"thing","start":3030.175,"end":3030.4949,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.009614437818527222},{"word":"i","start":3030.4949,"end":3030.655,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.030948109924793243},{"word":"sort","start":3030.655,"end":3030.895,"confidence":0.96875,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.05710819363594055},{"word":"of","start":3030.895,"end":3030.9749,"confidence":0.7783203,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0676761344075203},{"word":"think","start":3030.9749,"end":3031.2148,"confidence":0.9970703,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.04293236881494522},{"word":"of","start":3031.2148,"end":3031.375,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.01701437681913376},{"word":"is","start":3031.375,"end":3031.615,"confidence":0.9873047,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0025650933384895325},{"word":"life","start":3031.615,"end":3031.935,"confidence":0.9506836,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.035771846771240234},{"word":"insurance","start":3031.935,"end":3032.415,"confidence":0.9951172,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.004629455506801605},{"word":"is","start":3032.415,"end":3032.815,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0013056695461273191},{"word":"important","start":3032.815,"end":3033.315,"confidence":1.0,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.005301259458065033},{"word":"in","start":3033.535,"end":3033.695,"confidence":0.64746094,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.019791163504123688},{"word":"my","start":3033.695,"end":3033.935,"confidence":0.9951172,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.021704256534576416},{"word":"view","start":3033.935,"end":3034.415,"confidence":1.0,"punctuated_word":"view","sentiment":"neutral","sentiment_score":0.022245489060878754},{"word":"when","start":3034.415,"end":3034.915,"confidence":0.9902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.0009337663650512696},{"word":"you","start":3034.9749,"end":3035.4749,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.004949040710926056},{"word":"have","start":3035.535,"end":3035.775,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.017995238304138184},{"word":"a","start":3035.775,"end":3035.935,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03295028582215309},{"word":"mortgage","start":3035.935,"end":3036.435,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.02806991711258888},{"word":"and","start":3037.31,"end":3037.55,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05357065051794052},{"word":"or","start":3037.55,"end":3037.79,"confidence":0.90625,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.08441518247127533},{"word":"some","start":3037.79,"end":3038.03,"confidence":1.0,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.11236877739429474},{"word":"sort","start":3038.03,"end":3038.27,"confidence":0.99902344,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.11350767314434052},{"word":"of","start":3038.27,"end":3038.43,"confidence":0.9892578,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11372244358062744},{"word":"debt","start":3038.43,"end":3038.67,"confidence":0.9951172,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":-0.11330714821815492},{"word":"that","start":3038.67,"end":3038.91,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11790284514427184},{"word":"needs","start":3038.91,"end":3039.15,"confidence":0.9980469,"punctuated_word":"needs","sentiment":"neutral","sentiment_score":-0.1055767461657524},{"word":"to","start":3039.15,"end":3039.31,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10320644825696944},{"word":"be","start":3039.31,"end":3039.47,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.13672389090061188},{"word":"paid","start":3039.47,"end":3039.71,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.19177556037902832},{"word":"out","start":3039.71,"end":3040.03,"confidence":0.9875488,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.09584090858697893},{"word":"the","start":3040.03,"end":3040.27,"confidence":0.9980469,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.029803354293107983},{"word":"other","start":3040.27,"end":3040.43,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.03272908926010132},{"word":"thing","start":3040.43,"end":3040.75,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.01708357408642769},{"word":"the","start":3040.91,"end":3040.99,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05739636719226837},{"word":"other","start":3040.99,"end":3041.23,"confidence":0.99902344,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.06954564154148102},{"word":"reason","start":3041.23,"end":3041.55,"confidence":0.99902344,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":-0.04220087453722954},{"word":"i","start":3041.55,"end":3041.63,"confidence":0.9472656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05508529394865036},{"word":"kind","start":3041.63,"end":3041.87,"confidence":0.9404297,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.06528811156749725},{"word":"of","start":3041.87,"end":3041.95,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07321403920650482},{"word":"kept","start":3041.95,"end":3042.19,"confidence":0.9741211,"punctuated_word":"kept","sentiment":"neutral","sentiment_score":-0.057333990931510925},{"word":"your","start":3042.19,"end":3042.35,"confidence":0.7163086,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.01026611030101776},{"word":"super","start":3042.35,"end":3042.67,"confidence":0.6401367,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.028237812221050262},{"word":"where","start":3042.67,"end":3042.91,"confidence":0.30615234,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.014039263129234314},{"word":"it","start":3042.91,"end":3042.99,"confidence":0.97802734,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.006668224930763245},{"word":"was","start":3042.99,"end":3043.23,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.048697568476200104},{"word":"was","start":3043.23,"end":3043.73,"confidence":0.93359375,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.05951213836669922},{"word":"one","start":3043.87,"end":3044.03,"confidence":0.88134766,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.05185718089342117},{"word":"of","start":3044.03,"end":3044.11,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.008002705872058868},{"word":"the","start":3044.11,"end":3044.27,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02234739810228348},{"word":"other","start":3044.27,"end":3044.51,"confidence":1.0,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.012431822717189789},{"word":"goals","start":3044.51,"end":3044.75,"confidence":0.98828125,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":-0.011788278818130491},{"word":"down","start":3044.75,"end":3044.99,"confidence":0.9941406,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.054107069969177246},{"word":"the","start":3044.99,"end":3045.07,"confidence":0.98291016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.007297195494174957},{"word":"track","start":3045.07,"end":3045.31,"confidence":0.99609375,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.05128708481788635},{"word":"was","start":3045.31,"end":3045.47,"confidence":0.9980469,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.04912041872739792},{"word":"that","start":3045.47,"end":3045.63,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04048258811235428},{"word":"you","start":3045.63,"end":3045.79,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06836280971765518},{"word":"were","start":3045.79,"end":3045.95,"confidence":0.99609375,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.1107046902179718},{"word":"wanting","start":3045.95,"end":3046.19,"confidence":1.0,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":-0.06347494572401047},{"word":"to","start":3046.19,"end":3046.35,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04147494584321976},{"word":"maybe","start":3046.35,"end":3046.75,"confidence":0.98095703,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.08824142068624496},{"word":"sell","start":3046.75,"end":3047.07,"confidence":0.99902344,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.04936046898365021},{"word":"the","start":3047.07,"end":3047.15,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0920938402414322},{"word":"property","start":3047.15,"end":3047.65,"confidence":0.99658203,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":-0.05991685763001442},{"word":"so","start":3049.275,"end":3049.775,"confidence":0.9838867,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0505572184920311},{"word":"is","start":3049.9949,"end":3050.155,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.061245180666446686},{"word":"that","start":3050.155,"end":3050.395,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02892899513244629},{"word":"still","start":3050.395,"end":3050.635,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.04478900134563446},{"word":"something","start":3050.635,"end":3050.875,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.024667195975780487},{"word":"you're","start":3050.875,"end":3051.115,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.052977316081523895},{"word":"looking","start":3051.115,"end":3051.355,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.04067192226648331},{"word":"to","start":3051.355,"end":3051.4348,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.031660862267017365},{"word":"do","start":3051.4348,"end":3051.6748,"confidence":0.9892578,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.06767421215772629},{"word":"medium","start":3051.6748,"end":3052.075,"confidence":0.7680664,"punctuated_word":"medium","sentiment":"neutral","sentiment_score":-0.06413896381855011},{"word":"term","start":3052.075,"end":3052.395,"confidence":0.7585449,"punctuated_word":"term,","sentiment":"neutral","sentiment_score":-0.003461398184299469},{"word":"maybe","start":3052.395,"end":3052.795,"confidence":1.0,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.04611320048570633},{"word":"sell","start":3052.795,"end":3053.115,"confidence":0.98535156,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.023649640381336212},{"word":"the","start":3053.115,"end":3053.275,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08674176782369614},{"word":"house","start":3053.275,"end":3053.595,"confidence":1.0,"punctuated_word":"house","sentiment":"neutral","sentiment_score":-0.012021660804748535},{"word":"and","start":3053.595,"end":3053.835,"confidence":0.96240234,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07513190805912018},{"word":"buy","start":3053.835,"end":3054.075,"confidence":0.99902344,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":-0.054135292768478394},{"word":"something","start":3054.075,"end":3054.4749,"confidence":0.9980469,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.03355281800031662},{"word":"smaller","start":3054.4749,"end":3054.9749,"confidence":0.97265625,"punctuated_word":"smaller","sentiment":"neutral","sentiment_score":-0.006857030093669891},{"word":"or","start":3055.035,"end":3055.535,"confidence":0.4650879,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.028446625918149948},{"word":"yeah","start":3056.155,"end":3056.655,"confidence":0.75097656,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.016126204282045364},{"word":"yeah","start":3062.54,"end":3063.04,"confidence":0.9797363,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.028597209602594376},{"word":"yeah","start":3069.82,"end":3070.32,"confidence":0.8457031,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.1103905737400055},{"word":"it's","start":3070.78,"end":3071.18,"confidence":0.93310547,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.08267372846603394},{"word":"a","start":3071.18,"end":3071.26,"confidence":0.9873047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09224097430706024},{"word":"lot","start":3071.26,"end":3071.76,"confidence":0.99316406,"punctuated_word":"lot.","sentiment":"neutral","sentiment_score":-0.08654502779245377},{"word":"yeah","start":3086.015,"end":3086.515,"confidence":0.94873047,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.14260613918304443},{"word":"yeah","start":3087.055,"end":3087.555,"confidence":0.7910156,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.1683213710784912},{"word":"yeah","start":3091.81,"end":3092.31,"confidence":0.7182617,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.08788393437862396},{"word":"yeah","start":3106.0652,"end":3106.225,"confidence":0.93530273,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.1660542190074921},{"word":"yeah","start":3106.225,"end":3106.725,"confidence":0.8059082,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.14776480197906494},{"word":"the","start":3106.7852,"end":3107.0251,"confidence":0.71484375,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.25703164935112},{"word":"the","start":3107.0251,"end":3107.185,"confidence":0.97998047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2597710192203522},{"word":"things","start":3107.185,"end":3107.5051,"confidence":0.8359375,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.3290799558162689},{"word":"do","start":3107.5051,"end":3107.745,"confidence":0.71777344,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.2738112509250641},{"word":"accumulate","start":3107.745,"end":3108.245,"confidence":0.9980469,"punctuated_word":"accumulate.","sentiment":"neutral","sentiment_score":-0.3292100727558136},{"word":"yeah","start":3110.865,"end":3111.365,"confidence":0.84375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.11024539172649384},{"word":"yep","start":3122.47,"end":3122.97,"confidence":0.87109375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.08004804700613022},{"word":"yep","start":3123.11,"end":3123.61,"confidence":0.8400879,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.05441158637404442},{"word":"yep","start":3123.83,"end":3124.33,"confidence":0.7675781,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.03695888817310333},{"word":"yeah","start":3127.75,"end":3128.25,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.10957539826631546},{"word":"yeah","start":3130.31,"end":3130.81,"confidence":0.7044678,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04294217750430107},{"word":"yeah","start":3141.785,"end":3142.285,"confidence":0.81030273,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.006220543757081032},{"word":"mhmm","start":3151.61,"end":3152.11,"confidence":0.9729004,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.01491810567677021},{"word":"yep","start":3153.61,"end":3154.11,"confidence":0.84350586,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.028538046404719353},{"word":"yes","start":3155.93,"end":3156.43,"confidence":0.9794922,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.0906740576028824},{"word":"yes","start":3164.485,"end":3164.985,"confidence":0.8408203,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.21050669252872467},{"word":"yeah","start":3170.405,"end":3170.905,"confidence":0.85375977,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.24231581389904025},{"word":"yeah","start":3180.86,"end":3181.18,"confidence":0.9655762,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2559925317764282},{"word":"definitely","start":3181.18,"end":3181.68,"confidence":0.9880371,"punctuated_word":"Definitely.","sentiment":"neutral","sentiment_score":0.32273563742637634},{"word":"yep","start":3182.06,"end":3182.3801,"confidence":0.8376465,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.30540400743484497},{"word":"well","start":3182.3801,"end":3182.62,"confidence":0.80371094,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.28350764513015747},{"word":"when","start":3182.62,"end":3182.78,"confidence":0.41723633,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.2906363904476166},{"word":"you","start":3182.78,"end":3182.94,"confidence":0.7416992,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27736642956733704},{"word":"get","start":3182.94,"end":3183.18,"confidence":0.9980469,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.23373861610889435},{"word":"to","start":3183.18,"end":3183.26,"confidence":0.8461914,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2440648078918457},{"word":"that","start":3183.26,"end":3183.42,"confidence":0.8457031,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2291859835386276},{"word":"point","start":3183.42,"end":3183.74,"confidence":0.8239746,"punctuated_word":"point,","sentiment":"neutral","sentiment_score":0.21004384756088257},{"word":"yeah","start":3183.74,"end":3183.98,"confidence":0.75097656,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.26316308975219727},{"word":"if","start":3183.98,"end":3184.1401,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.32334011793136597},{"word":"you","start":3184.1401,"end":3184.3,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.32217827439308167},{"word":"still","start":3184.3,"end":3184.46,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.2760959267616272},{"word":"have","start":3184.46,"end":3184.7,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2614564299583435},{"word":"the","start":3184.7,"end":3184.78,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22240105271339417},{"word":"money","start":3184.78,"end":3185.1,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.21470946073532104},{"word":"and","start":3185.1,"end":3185.26,"confidence":0.6303711,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2148837447166443},{"word":"see","start":3185.26,"end":3185.42,"confidence":0.43652344,"punctuated_word":"see,","sentiment":"neutral","sentiment_score":0.20755958557128903},{"word":"but","start":3185.42,"end":3185.58,"confidence":0.74658203,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.1941577196121216},{"word":"we'll","start":3185.58,"end":3185.74,"confidence":0.9975586,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.20605599880218503},{"word":"look","start":3185.74,"end":3185.98,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.2178005576133728},{"word":"at","start":3185.98,"end":3186.06,"confidence":0.99609375,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.19093237817287445},{"word":"what","start":3186.06,"end":3186.3,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2625769376754761},{"word":"we","start":3186.3,"end":3186.3801,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2515375018119812},{"word":"can","start":3186.3801,"end":3186.62,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.24974600970745087},{"word":"do","start":3186.62,"end":3187.12,"confidence":0.9914551,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.2289438545703888},{"word":"i","start":3187.205,"end":3187.285,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17308613657951355},{"word":"mean","start":3187.285,"end":3187.525,"confidence":0.9941406,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.2114255577325821},{"word":"another","start":3187.525,"end":3187.765,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.1543765515089035},{"word":"way","start":3187.765,"end":3188.165,"confidence":1.0,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.39956727623939514},{"word":"of","start":3188.165,"end":3188.325,"confidence":0.98828125,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4413442611694336},{"word":"sheltering","start":3188.325,"end":3188.805,"confidence":0.94750977,"punctuated_word":"sheltering","sentiment":"positive","sentiment_score":0.4613510966300965},{"word":"that","start":3188.805,"end":3188.965,"confidence":0.9980469,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.552839994430542},{"word":"money","start":3188.965,"end":3189.205,"confidence":1.0,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.5001698136329651},{"word":"from","start":3189.205,"end":3189.365,"confidence":0.96972656,"punctuated_word":"from","sentiment":"positive","sentiment_score":0.5846306681632996},{"word":"centrelink","start":3189.365,"end":3189.845,"confidence":0.9425456,"punctuated_word":"Centrelink","sentiment":"positive","sentiment_score":0.5185980796813965},{"word":"is","start":3189.845,"end":3190.085,"confidence":0.99902344,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.46477124094963074},{"word":"to","start":3190.085,"end":3190.165,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4574890732765198},{"word":"be","start":3190.165,"end":3190.325,"confidence":0.9970703,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.4402481019496918},{"word":"able","start":3190.325,"end":3190.485,"confidence":0.96875,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.4850081205368042},{"word":"to","start":3190.485,"end":3190.565,"confidence":0.9941406,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5151709318161011},{"word":"put","start":3190.565,"end":3190.725,"confidence":0.9980469,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.443329393863678},{"word":"it","start":3190.725,"end":3190.805,"confidence":0.9716797,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4476870000362396},{"word":"on","start":3190.805,"end":3190.965,"confidence":1.0,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.4283465445041657},{"word":"the","start":3190.965,"end":3191.045,"confidence":0.99121094,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.38431209325790405},{"word":"home","start":3191.045,"end":3191.285,"confidence":1.0,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.2816162109375},{"word":"because","start":3191.285,"end":3191.605,"confidence":0.8730469,"punctuated_word":"because","sentiment":"positive","sentiment_score":0.3456771671772003},{"word":"the","start":3191.605,"end":3191.685,"confidence":0.9970703,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4067854881286621},{"word":"home","start":3191.685,"end":3191.925,"confidence":1.0,"punctuated_word":"home","sentiment":"positive","sentiment_score":0.400992214679718},{"word":"is","start":3191.925,"end":3192.165,"confidence":1.0,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3535687327384949},{"word":"a","start":3192.165,"end":3192.245,"confidence":0.9941406,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3866056799888611},{"word":"100%","start":3192.245,"end":3192.985,"confidence":0.99902344,"punctuated_word":"100%","sentiment":"positive","sentiment_score":0.3647538125514984},{"word":"exempt","start":3193.205,"end":3193.605,"confidence":0.83325195,"punctuated_word":"exempt.","sentiment":"positive","sentiment_score":0.35372504591941833},{"word":"so","start":3193.605,"end":3193.765,"confidence":0.90527344,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5532236695289612},{"word":"paying","start":3193.765,"end":3194.005,"confidence":0.98828125,"punctuated_word":"paying","sentiment":"positive","sentiment_score":0.6207236647605896},{"word":"down","start":3194.005,"end":3194.245,"confidence":0.98291016,"punctuated_word":"down","sentiment":"positive","sentiment_score":0.6746304631233215},{"word":"the","start":3194.245,"end":3194.325,"confidence":0.96972656,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6803067922592163},{"word":"mortgage","start":3194.325,"end":3194.725,"confidence":0.99902344,"punctuated_word":"mortgage","sentiment":"positive","sentiment_score":0.5511207580566406},{"word":"and","start":3194.725,"end":3194.885,"confidence":0.99121094,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6620488166809082},{"word":"putting","start":3194.885,"end":3195.125,"confidence":1.0,"punctuated_word":"putting","sentiment":"positive","sentiment_score":0.6687178611755371},{"word":"the","start":3195.125,"end":3195.205,"confidence":0.99609375,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6076796650886536},{"word":"money","start":3195.205,"end":3195.445,"confidence":1.0,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.5374687314033508},{"word":"on","start":3195.445,"end":3195.605,"confidence":0.9741211,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.6091436147689819},{"word":"the","start":3195.605,"end":3195.685,"confidence":0.9892578,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5820992588996887},{"word":"home","start":3195.685,"end":3195.925,"confidence":0.9951172,"punctuated_word":"home","sentiment":"positive","sentiment_score":0.4514277577400207},{"word":"does","start":3195.925,"end":3196.085,"confidence":0.9301758,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.5656518936157227},{"word":"sort","start":3196.085,"end":3196.325,"confidence":0.9658203,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.5454585552215576},{"word":"of","start":3196.325,"end":3196.485,"confidence":0.9472656,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5821532607078552},{"word":"benefit","start":3196.485,"end":3196.885,"confidence":0.99902344,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.5383462905883789},{"word":"you","start":3196.885,"end":3197.045,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6169089078903198},{"word":"guys","start":3197.045,"end":3197.545,"confidence":0.88842773,"punctuated_word":"guys.","sentiment":"positive","sentiment_score":0.4976138472557068},{"word":"but","start":3198.005,"end":3198.245,"confidence":0.8808594,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.16872906684875488},{"word":"yeah","start":3198.245,"end":3198.405,"confidence":0.99560547,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.1871761679649353},{"word":"you","start":3198.405,"end":3198.645,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19621121883392337},{"word":"are","start":3198.645,"end":3198.805,"confidence":0.99902344,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.14270548522472382},{"word":"right","start":3198.805,"end":3199.045,"confidence":0.98706055,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.1684500277042389},{"word":"when","start":3199.045,"end":3199.205,"confidence":0.9536133,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.1270551085472107},{"word":"you","start":3199.205,"end":3199.365,"confidence":0.7734375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1479155570268631},{"word":"get","start":3199.365,"end":3199.525,"confidence":0.9970703,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.08805959671735764},{"word":"to","start":3199.525,"end":3199.685,"confidence":0.9326172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08234462141990662},{"word":"those","start":3199.685,"end":3199.845,"confidence":0.9760742,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.10646380484104156},{"word":"to","start":3199.845,"end":3200.005,"confidence":0.16149902,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.032359980046749115},{"word":"ages","start":3200.005,"end":3200.485,"confidence":0.74902344,"punctuated_word":"ages","sentiment":"neutral","sentiment_score":0.011130649596452711},{"word":"with","start":3200.485,"end":3200.82,"confidence":0.97802734,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05475712567567825},{"word":"the","start":3201.3,"end":3201.46,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06482944637537003},{"word":"mortgages","start":3201.46,"end":3201.96,"confidence":0.9980469,"punctuated_word":"mortgages","sentiment":"neutral","sentiment_score":0.044375184923410416},{"word":"and","start":3202.02,"end":3202.26,"confidence":0.9873047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.044089242815971375},{"word":"the","start":3202.26,"end":3202.5,"confidence":0.9536133,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.051541827619075775},{"word":"lending","start":3202.5,"end":3202.82,"confidence":0.9873047,"punctuated_word":"lending","sentiment":"neutral","sentiment_score":0.009305842220783234},{"word":"side","start":3202.82,"end":3202.98,"confidence":0.97802734,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.03779488056898117},{"word":"of","start":3202.98,"end":3203.06,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05353643745183945},{"word":"things","start":3203.06,"end":3203.22,"confidence":0.9765625,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.020924173295497894},{"word":"they","start":3203.22,"end":3203.3801,"confidence":0.98535156,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.006140321493148804},{"word":"are","start":3203.3801,"end":3203.54,"confidence":0.9970703,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.031935036182403564},{"word":"looking","start":3203.54,"end":3203.78,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.0895305797457695},{"word":"for","start":3203.78,"end":3203.9402,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0874076634645462},{"word":"an","start":3203.9402,"end":3204.02,"confidence":0.8803711,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.0835391953587532},{"word":"exit","start":3204.02,"end":3204.5,"confidence":0.9741211,"punctuated_word":"exit","sentiment":"neutral","sentiment_score":-0.10128189623355864},{"word":"strategy","start":3204.5,"end":3204.9001,"confidence":0.9550781,"punctuated_word":"strategy.","sentiment":"neutral","sentiment_score":-0.042122263461351395},{"word":"they're","start":3204.9001,"end":3204.98,"confidence":0.9458008,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":0.001682008383795619},{"word":"looking","start":3204.98,"end":3205.3,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.01658257097005844},{"word":"at","start":3205.3,"end":3205.46,"confidence":0.88256836,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":-0.0032691024243831635},{"word":"you","start":3205.46,"end":3205.54,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.014479056000709534},{"word":"know","start":3205.54,"end":3205.86,"confidence":0.86450195,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.02264152467250824},{"word":"if","start":3205.86,"end":3206.1,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.040066421031951904},{"word":"something","start":3206.1,"end":3206.5,"confidence":0.9970703,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.04063037037849426},{"word":"happened","start":3206.5,"end":3207.0,"confidence":0.83618164,"punctuated_word":"happened,","sentiment":"neutral","sentiment_score":-0.026971209794282913},{"word":"how","start":3207.1401,"end":3207.3,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.05967225134372711},{"word":"are","start":3207.3,"end":3207.46,"confidence":0.9038086,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.06325525790452957},{"word":"you","start":3207.46,"end":3207.62,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.019148625433444977},{"word":"gonna","start":3207.62,"end":3207.9402,"confidence":0.99316406,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.03654946014285088},{"word":"pay","start":3207.9402,"end":3208.1,"confidence":0.9980469,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.05153758078813553},{"word":"that","start":3208.1,"end":3208.34,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.023319728672504425},{"word":"back","start":3208.34,"end":3208.58,"confidence":0.9980469,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.07002420723438263},{"word":"if","start":3208.58,"end":3208.6602,"confidence":0.9970703,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.10584774613380432},{"word":"you're","start":3208.6602,"end":3208.9001,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.055846720933914185},{"word":"not","start":3208.9001,"end":3209.06,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.0781804621219635},{"word":"gonna","start":3209.06,"end":3209.3,"confidence":0.9970703,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.09135889261960985},{"word":"work","start":3209.3,"end":3209.54,"confidence":0.99902344,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.08441919088363647},{"word":"until","start":3209.54,"end":3209.78,"confidence":0.96435547,"punctuated_word":"until","sentiment":"neutral","sentiment_score":-0.08394730091094971},{"word":"you're","start":3209.78,"end":3210.1,"confidence":0.9609375,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.0445689782500267},{"word":"90","start":3210.1,"end":3210.6,"confidence":0.8190918,"punctuated_word":"90?","sentiment":"neutral","sentiment_score":-0.020037557929754257},{"word":"so","start":3210.6602,"end":3210.82,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03777601197361946},{"word":"yeah","start":3211.46,"end":3211.96,"confidence":0.9980469,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.04446052014827728},{"word":"yes","start":3224.095,"end":3224.595,"confidence":0.8544922,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.25518012046813965},{"word":"wow","start":3227.2148,"end":3227.7148,"confidence":0.99609375,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":-0.23366457223892212},{"word":"wow","start":3231.1602,"end":3231.6602,"confidence":0.8642578,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":-0.08545945584774017},{"word":"yeah","start":3236.28,"end":3236.78,"confidence":0.78027344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.021307535469532013},{"word":"mhmm","start":3252.5352,"end":3253.0352,"confidence":0.97961426,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.2989600598812103},{"word":"yes","start":3263.6602,"end":3264.1602,"confidence":0.97631836,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.01214611530303955},{"word":"yeah","start":3278.9849,"end":3279.4849,"confidence":0.85961914,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.10810455679893494},{"word":"yeah","start":3281.385,"end":3281.885,"confidence":0.826416,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07155542075634003},{"word":"yes","start":3292.24,"end":3292.74,"confidence":0.7763672,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.08356815576553345},{"word":"yep","start":3295.2,"end":3295.7,"confidence":0.8991699,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.10817428678274156},{"word":"yeah","start":3301.0452,"end":3301.365,"confidence":0.83984375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07344737648963928},{"word":"wow","start":3301.365,"end":3301.865,"confidence":0.99609375,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":-0.13933774828910828},{"word":"yeah","start":3304.725,"end":3305.125,"confidence":0.98999023,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.1208537295460701},{"word":"wow","start":3305.125,"end":3305.625,"confidence":0.9975586,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":-0.13709157705307007},{"word":"that's","start":3305.925,"end":3306.325,"confidence":0.99316406,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.2400931417942047},{"word":"crazy","start":3306.325,"end":3306.8052,"confidence":0.892334,"punctuated_word":"crazy,","sentiment":"neutral","sentiment_score":-0.21433696150779724},{"word":"isn't","start":3306.8052,"end":3307.0452,"confidence":0.75097656,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.19943559169769287},{"word":"it","start":3307.0452,"end":3307.5452,"confidence":0.9921875,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.19192615151405337},{"word":"yeah","start":3309.205,"end":3309.705,"confidence":0.98291016,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06187953054904938},{"word":"wow","start":3309.7651,"end":3310.165,"confidence":0.99902344,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":-0.06772255152463913},{"word":"yeah","start":3310.165,"end":3310.325,"confidence":0.9042969,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.08822520822286606},{"word":"i","start":3310.325,"end":3310.405,"confidence":0.55371094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.16188699007034302},{"word":"know","start":3310.405,"end":3310.725,"confidence":0.9560547,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.2055906653404236},{"word":"my","start":3310.725,"end":3310.885,"confidence":0.61816406,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.2145295888185501},{"word":"house","start":3310.885,"end":3311.205,"confidence":0.45922852,"punctuated_word":"house","sentiment":"neutral","sentiment_score":-0.26783883571624756},{"word":"insurance","start":3311.205,"end":3311.605,"confidence":0.95410156,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.23980306088924408},{"word":"has","start":3311.605,"end":3311.88,"confidence":0.6640625,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.2996376156806946},{"word":"skyrocketed","start":3312.1199,"end":3312.6199,"confidence":0.9951172,"punctuated_word":"skyrocketed","sentiment":"neutral","sentiment_score":-0.2139495462179184},{"word":"again","start":3312.68,"end":3313.0798,"confidence":0.9970703,"punctuated_word":"again","sentiment":"neutral","sentiment_score":-0.22108574211597443},{"word":"with","start":3313.0798,"end":3313.5598,"confidence":0.9819336,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.24169304966926575},{"word":"the","start":3313.5598,"end":3313.72,"confidence":0.8432617,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2305498719215393},{"word":"2022","start":3313.72,"end":3314.44,"confidence":0.99869794,"punctuated_word":"2022","sentiment":"neutral","sentiment_score":-0.14608292281627655},{"word":"floods","start":3314.44,"end":3314.7598,"confidence":0.8330078,"punctuated_word":"floods","sentiment":"neutral","sentiment_score":-0.16446132957935333},{"word":"in","start":3314.7598,"end":3315.0,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.15116141736507416},{"word":"northern","start":3315.0,"end":3315.3198,"confidence":0.921875,"punctuated_word":"Northern","sentiment":"neutral","sentiment_score":-0.15428760647773743},{"word":"new","start":3315.3198,"end":3315.48,"confidence":0.99121094,"punctuated_word":"New","sentiment":"neutral","sentiment_score":-0.13896194100379944},{"word":"south","start":3315.48,"end":3315.72,"confidence":1.0,"punctuated_word":"South","sentiment":"neutral","sentiment_score":-0.13668310642242432},{"word":"wales","start":3315.72,"end":3316.1199,"confidence":0.7305908,"punctuated_word":"Wales.","sentiment":"neutral","sentiment_score":-0.14489972591400146},{"word":"and","start":3316.1199,"end":3316.3599,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.06880393624305725},{"word":"then","start":3316.3599,"end":3316.8599,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.0679507851600647},{"word":"and","start":3318.0398,"end":3318.2798,"confidence":0.98291016,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05446949601173401},{"word":"then","start":3318.2798,"end":3318.5999,"confidence":1.0,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.060962654650211334},{"word":"the","start":3318.5999,"end":3319.0,"confidence":0.95947266,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06177912652492523},{"word":"cycling","start":3319.0,"end":3319.5,"confidence":0.14624023,"punctuated_word":"cycling","sentiment":"neutral","sentiment_score":-0.05461969971656799},{"word":"thing","start":3320.1199,"end":3320.3599,"confidence":0.9838867,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.07856586575508118},{"word":"last","start":3320.3599,"end":3320.68,"confidence":0.99121094,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.07569186389446259},{"word":"year","start":3320.68,"end":3321.0,"confidence":0.9921875,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.08068884909152985},{"word":"i","start":3321.0,"end":3321.16,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0782129168510437},{"word":"think","start":3321.16,"end":3321.4,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.06987742334604263},{"word":"my","start":3321.4,"end":3321.72,"confidence":0.921875,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.09905807673931122},{"word":"flood","start":3321.72,"end":3322.0398,"confidence":0.97314453,"punctuated_word":"flood","sentiment":"neutral","sentiment_score":-0.09076224267482758},{"word":"levy","start":3322.0398,"end":3322.44,"confidence":0.9560547,"punctuated_word":"levy","sentiment":"neutral","sentiment_score":-0.1234210953116417},{"word":"went","start":3322.44,"end":3322.5999,"confidence":1.0,"punctuated_word":"went","sentiment":"neutral","sentiment_score":-0.11906030029058456},{"word":"up","start":3322.5999,"end":3322.8398,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.08169560879468918},{"word":"to","start":3322.8398,"end":3323.24,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0904499888420105},{"word":"just","start":3323.24,"end":3323.48,"confidence":0.61083984,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.09935467690229416},{"word":"over","start":3323.48,"end":3323.72,"confidence":0.9980469,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.06914903968572617},{"word":"$1,000","start":3323.72,"end":3324.5999,"confidence":0.9963379,"punctuated_word":"$1,000.","sentiment":"neutral","sentiment_score":-0.062907874584198},{"word":"i","start":3324.5999,"end":3324.795,"confidence":0.98828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1000804752111435},{"word":"paid","start":3324.875,"end":3325.115,"confidence":0.9980469,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.059420108795166016},{"word":"$3","start":3325.115,"end":3325.6748,"confidence":0.99853516,"punctuated_word":"$3","sentiment":"neutral","sentiment_score":-0.05943036451935768},{"word":"just","start":3325.6748,"end":3325.755,"confidence":0.81933594,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06856454908847809},{"word":"to","start":3325.755,"end":3325.915,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10208302736282349},{"word":"insure","start":3325.915,"end":3326.2349,"confidence":0.9248047,"punctuated_word":"insure","sentiment":"neutral","sentiment_score":-0.09746917337179184},{"word":"my","start":3326.2349,"end":3326.395,"confidence":0.9819336,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.10278143733739852},{"word":"house","start":3326.395,"end":3326.635,"confidence":0.9980469,"punctuated_word":"house","sentiment":"neutral","sentiment_score":-0.09397387504577635},{"word":"this","start":3326.635,"end":3326.795,"confidence":0.96875,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.08694757521152496},{"word":"year","start":3326.795,"end":3327.275,"confidence":0.98217773,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.09291542321443558},{"word":"shocking","start":3327.275,"end":3327.775,"confidence":0.92822266,"punctuated_word":"Shocking.","sentiment":"negative","sentiment_score":-0.3983732461929322},{"word":"i","start":3327.835,"end":3327.9949,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2824467718601227},{"word":"nearly","start":3327.9949,"end":3328.395,"confidence":0.9838867,"punctuated_word":"nearly","sentiment":"neutral","sentiment_score":-0.24584269523620603},{"word":"cried","start":3328.395,"end":3328.895,"confidence":0.87597656,"punctuated_word":"cried.","sentiment":"neutral","sentiment_score":-0.31584930419921875},{"word":"yeah","start":3340.1,"end":3340.5,"confidence":0.9941406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05270849168300629},{"word":"wow","start":3340.5,"end":3341.0,"confidence":0.9890137,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":-0.049249038100242615},{"word":"it's","start":3342.5,"end":3342.74,"confidence":0.9394531,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.06380289047956467},{"word":"a","start":3342.74,"end":3342.82,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.020402342081069943},{"word":"lot","start":3342.82,"end":3343.32,"confidence":0.96533203,"punctuated_word":"lot.","sentiment":"neutral","sentiment_score":-0.03951004892587662},{"word":"yeah","start":3347.46,"end":3347.96,"confidence":0.9194336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0790802538394928},{"word":"yes","start":3358.315,"end":3358.815,"confidence":0.7841797,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.111433744430542},{"word":"yes","start":3359.275,"end":3359.775,"confidence":0.6873779,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1646503061056137},{"word":"yeah","start":3368.555,"end":3369.055,"confidence":0.89697266,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.26029545068740845},{"word":"yeah","start":3396.385,"end":3396.885,"confidence":0.97265625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.1999667286872864},{"word":"wow","start":3399.62,"end":3400.12,"confidence":0.9489746,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":-0.06646183133125305},{"word":"wow","start":3401.3,"end":3401.8,"confidence":0.99658203,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":-0.040737688541412354},{"word":"yep","start":3407.22,"end":3407.72,"confidence":0.8833008,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.006923945154994726},{"word":"yeah","start":3407.86,"end":3408.34,"confidence":0.9975586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.00017900951206684113},{"word":"makes","start":3408.34,"end":3408.6602,"confidence":0.79248047,"punctuated_word":"Makes","sentiment":"neutral","sentiment_score":-0.03455963730812073},{"word":"sense","start":3408.6602,"end":3409.1602,"confidence":1.0,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":-0.05122892186045647},{"word":"yeah","start":3409.86,"end":3410.1802,"confidence":0.99560547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07267904281616211},{"word":"definitely","start":3410.1802,"end":3410.6802,"confidence":0.91186523,"punctuated_word":"Definitely.","sentiment":"neutral","sentiment_score":0.14949682354927063},{"word":"find","start":3410.9001,"end":3411.1401,"confidence":0.8251953,"punctuated_word":"Find","sentiment":"neutral","sentiment_score":0.10207601636648178},{"word":"it","start":3411.1401,"end":3411.3,"confidence":0.98828125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07659880816936493},{"word":"and","start":3411.3,"end":3411.46,"confidence":0.96240234,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11002644151449203},{"word":"see","start":3411.46,"end":3411.54,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.10556656122207642},{"word":"what","start":3411.54,"end":3411.7,"confidence":0.8720703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.12030111253261566},{"word":"they","start":3411.7,"end":3411.86,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.07045746594667435},{"word":"come","start":3411.86,"end":3412.1,"confidence":0.9980469,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.03286333382129669},{"word":"out","start":3412.1,"end":3412.26,"confidence":0.9135742,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.05706656724214554},{"word":"with","start":3412.26,"end":3412.4202,"confidence":0.99072266,"punctuated_word":"with.","sentiment":"neutral","sentiment_score":0.03160061314702034},{"word":"you","start":3412.4202,"end":3412.58,"confidence":0.9980469,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.08142891526222229},{"word":"just","start":3412.58,"end":3412.74,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.08836601674556732},{"word":"never","start":3412.74,"end":3412.98,"confidence":1.0,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.13857442140579224},{"word":"know","start":3412.98,"end":3413.22,"confidence":0.98291016,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.07031754404306412},{"word":"you","start":3413.22,"end":3413.3801,"confidence":0.54248047,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.046815916895866394},{"word":"might","start":3413.3801,"end":3413.62,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.039140328764915466},{"word":"win","start":3413.62,"end":3414.02,"confidence":0.99609375,"punctuated_word":"win.","sentiment":"neutral","sentiment_score":-0.02517765760421753},{"word":"you","start":3414.02,"end":3414.1802,"confidence":0.70703125,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.056333765387535095},{"word":"might","start":3414.1802,"end":3414.26,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.03823127597570419},{"word":"be","start":3414.26,"end":3414.76,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.025021888315677643},{"word":"a","start":3415.105,"end":3415.145,"confidence":0.48632812,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.14633765816688538},{"word":"you","start":3415.185,"end":3415.345,"confidence":0.9404297,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.21787282824516296},{"word":"might","start":3415.345,"end":3415.425,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.21017073094844815},{"word":"be","start":3415.425,"end":3415.625,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.257956862449646},{"word":"able","start":3415.625,"end":3415.825,"confidence":0.9941406,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.24070057272911072},{"word":"to","start":3415.825,"end":3416.325,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.17913371324539185},{"word":"convince","start":3420.625,"end":3420.875,"confidence":1.0,"punctuated_word":"convince","sentiment":"neutral","sentiment_score":-0.2700233459472656},{"word":"them","start":3420.875,"end":3421.375,"confidence":0.94677734,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":-0.23515528440475464},{"word":"yeah","start":3436.4502,"end":3436.85,"confidence":0.78564453,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.10135878622531892},{"word":"i","start":3436.85,"end":3437.01,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.034736208617687225},{"word":"mean","start":3437.01,"end":3437.25,"confidence":0.99609375,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.02076713740825653},{"word":"when","start":3437.25,"end":3437.49,"confidence":0.9951172,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.02368439920246601},{"word":"i've","start":3437.49,"end":3437.6501,"confidence":0.8737793,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.03005065582692623},{"word":"changed","start":3437.6501,"end":3437.97,"confidence":0.7001953,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":-0.030829817056655884},{"word":"insurance","start":3437.97,"end":3438.4502,"confidence":0.923584,"punctuated_word":"insurance,","sentiment":"neutral","sentiment_score":-0.021952761337161064},{"word":"i've","start":3438.4502,"end":3438.6902,"confidence":0.99902344,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.04908611997961998},{"word":"never","start":3438.6902,"end":3439.01,"confidence":1.0,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.040302835404872894},{"word":"had","start":3439.01,"end":3439.09,"confidence":0.9970703,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.062137506902217865},{"word":"to","start":3439.09,"end":3439.59,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05018587037920952},{"word":"give","start":3439.6501,"end":3439.8901,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.04725566506385803},{"word":"them","start":3439.8901,"end":3440.1301,"confidence":0.99902344,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.04475345462560654},{"word":"any","start":3440.1301,"end":3440.37,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.03892800584435463},{"word":"of","start":3440.37,"end":3440.4502,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04497205838561058},{"word":"the","start":3440.4502,"end":3440.6902,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.050901830196380615},{"word":"documents","start":3440.6902,"end":3441.1902,"confidence":0.89868164,"punctuated_word":"documents.","sentiment":"neutral","sentiment_score":-0.04001716896891594},{"word":"i've","start":3441.33,"end":3441.49,"confidence":0.69921875,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.052385181188583374},{"word":"just","start":3441.49,"end":3441.73,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.09224080294370653},{"word":"had","start":3441.73,"end":3441.8901,"confidence":0.9838867,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.12667812407016754},{"word":"to","start":3441.8901,"end":3442.05,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1224409192800522},{"word":"tell","start":3442.05,"end":3442.29,"confidence":1.0,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":-0.13171346485614777},{"word":"them","start":3442.29,"end":3442.53,"confidence":0.9633789,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.1109357252717018},{"word":"i","start":3442.53,"end":3442.61,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05385427549481392},{"word":"had","start":3442.61,"end":3442.85,"confidence":0.99609375,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.04963967576622963},{"word":"it","start":3442.85,"end":3443.35,"confidence":0.98657227,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.06053948402404785},{"word":"no","start":3443.73,"end":3444.23,"confidence":0.96533203,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.03923001140356064},{"word":"so","start":3445.455,"end":3445.735,"confidence":0.98291016,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.016973834484815598},{"word":"yes","start":3446.0151,"end":3446.5151,"confidence":0.82910156,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.04645926505327225},{"word":"interesting","start":3446.655,"end":3447.155,"confidence":0.9951172,"punctuated_word":"Interesting.","sentiment":"neutral","sentiment_score":0.1685851812362671},{"word":"be","start":3447.5352,"end":3447.695,"confidence":0.8359375,"punctuated_word":"Be","sentiment":"neutral","sentiment_score":0.23599204421043396},{"word":"worth","start":3447.695,"end":3448.0952,"confidence":0.98828125,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.15182694792747498},{"word":"be","start":3448.0952,"end":3448.3352,"confidence":0.98828125,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2111680656671524},{"word":"worth","start":3448.3352,"end":3448.5752,"confidence":1.0,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.17163941264152527},{"word":"looking","start":3448.5752,"end":3448.8152,"confidence":0.9980469,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.17097371816635132},{"word":"at","start":3448.8152,"end":3449.2952,"confidence":0.9851074,"punctuated_word":"at.","sentiment":"neutral","sentiment_score":0.1630527526140213},{"word":"yeah","start":3449.2952,"end":3449.6152,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02121986448764801},{"word":"wow","start":3449.6152,"end":3450.1152,"confidence":0.9995117,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":-0.013218069449067116},{"word":"wow","start":3451.215,"end":3451.715,"confidence":0.9941406,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":-0.1032407358288765},{"word":"yeah","start":3471.195,"end":3471.695,"confidence":0.97680664,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0050100404769182205},{"word":"absolutely","start":3471.915,"end":3472.415,"confidence":0.9758301,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.03889387100934982},{"word":"wow","start":3473.2751,"end":3473.7751,"confidence":0.967041,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":0.0115213580429554},{"word":"yeah","start":3477.675,"end":3478.175,"confidence":0.744751,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07611937820911407},{"word":"k","start":3479.8352,"end":3480.3352,"confidence":0.8544922,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":-0.0980047881603241},{"word":"yeah","start":3481.115,"end":3481.615,"confidence":0.9863281,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07703237235546112},{"word":"yeah","start":3488.81,"end":3489.21,"confidence":0.96875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.010356951504945757},{"word":"wow","start":3489.21,"end":3489.71,"confidence":0.9692383,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":0.04156411439180374},{"word":"wow","start":3490.01,"end":3490.51,"confidence":0.99609375,"punctuated_word":"Wow.","sentiment":"neutral","sentiment_score":0.06900763511657715},{"word":"well","start":3492.17,"end":3492.49,"confidence":0.57714844,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.05916674807667732},{"word":"yeah","start":3492.49,"end":3492.73,"confidence":0.9379883,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.10043945163488388},{"word":"hopefully","start":3492.73,"end":3493.05,"confidence":0.9741211,"punctuated_word":"hopefully,","sentiment":"neutral","sentiment_score":0.16119489073753357},{"word":"they","start":3493.05,"end":3493.21,"confidence":0.92089844,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.14124616980552673},{"word":"get","start":3493.21,"end":3493.45,"confidence":0.9291992,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.12633016705513},{"word":"that","start":3493.45,"end":3493.6099,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14282414317131042},{"word":"passed","start":3493.6099,"end":3493.85,"confidence":0.7602539,"punctuated_word":"passed","sentiment":"neutral","sentiment_score":0.27770689129829407},{"word":"down","start":3493.85,"end":3494.09,"confidence":0.9980469,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.2189156115055084},{"word":"for","start":3494.09,"end":3494.25,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1529632806777954},{"word":"you","start":3494.25,"end":3494.41,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.094172865152359},{"word":"a","start":3494.41,"end":3494.49,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12159624695777892},{"word":"little","start":3494.49,"end":3494.73,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.07852961122989655},{"word":"bit","start":3494.73,"end":3494.97,"confidence":0.9719238,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.1051802933216095},{"word":"then","start":3494.97,"end":3495.13,"confidence":0.43847656,"punctuated_word":"Then","sentiment":"neutral","sentiment_score":0.026081562042236328},{"word":"i'll","start":3495.13,"end":3495.21,"confidence":0.5222168,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.019786912947893143},{"word":"look","start":3495.21,"end":3495.45,"confidence":0.9667969,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.018994897603988647},{"word":"at","start":3495.45,"end":3495.6099,"confidence":0.59228516,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.025493986904621124},{"word":"i","start":3495.69,"end":3495.85,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.002071104943752289},{"word":"will","start":3495.85,"end":3496.09,"confidence":0.99902344,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.0036911405622959137},{"word":"i'm","start":3496.41,"end":3496.57,"confidence":0.93359375,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.028253188356757164},{"word":"sorry","start":3496.57,"end":3497.025,"confidence":0.98535156,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.050699204206466675},{"word":"i'll","start":3497.025,"end":3497.265,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.010029533877968788},{"word":"send","start":3497.265,"end":3497.4248,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":-0.00351729616522789},{"word":"you","start":3497.4248,"end":3497.505,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00044605880975723267},{"word":"an","start":3497.505,"end":3497.7449,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.005427490919828415},{"word":"email","start":3497.7449,"end":3498.065,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.011842027306556702},{"word":"after","start":3498.065,"end":3498.305,"confidence":0.99902344,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.00694076344370842},{"word":"the","start":3498.305,"end":3498.385,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.023248828947544094},{"word":"call","start":3498.385,"end":3498.625,"confidence":0.97998047,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.03286512568593025},{"word":"if","start":3498.625,"end":3498.7048,"confidence":0.8598633,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03430561721324921},{"word":"you","start":3498.7048,"end":3498.865,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02438835427165031},{"word":"like","start":3498.865,"end":3499.105,"confidence":0.98046875,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":0.027223527431488037},{"word":"if","start":3499.105,"end":3499.265,"confidence":0.9970703,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.027763791382312775},{"word":"you","start":3499.265,"end":3499.345,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.015969548374414444},{"word":"wanna","start":3499.345,"end":3499.585,"confidence":0.9892578,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.02754926308989525},{"word":"send","start":3499.585,"end":3499.7449,"confidence":0.99902344,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.010383471846580504},{"word":"me","start":3499.7449,"end":3499.9849,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.01314009726047516},{"word":"a","start":3499.9849,"end":3500.065,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0124045442789793},{"word":"statement","start":3500.065,"end":3500.4648,"confidence":0.99560547,"punctuated_word":"statement,","sentiment":"neutral","sentiment_score":0.028429310768842697},{"word":"i","start":3500.4648,"end":3500.545,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04059651866555214},{"word":"can","start":3500.545,"end":3500.7048,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03175966069102287},{"word":"have","start":3500.7048,"end":3500.9448,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.021857358515262604},{"word":"a","start":3500.9448,"end":3501.025,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.008129894733428955},{"word":"look","start":3501.025,"end":3501.1848,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.01413312554359436},{"word":"at","start":3501.1848,"end":3501.345,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.008189670741558075},{"word":"the","start":3501.345,"end":3501.505,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.019650325179100037},{"word":"difference","start":3501.505,"end":3501.9849,"confidence":0.99902344,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":-0.022573325783014297},{"word":"in","start":3501.9849,"end":3502.2249,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.05558579042553902},{"word":"the","start":3502.2249,"end":3502.4648,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.048452094197273254},{"word":"mortgage","start":3502.4648,"end":3502.9448,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.03936181962490082},{"word":"for","start":3502.9448,"end":3503.1848,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.012923602014780045},{"word":"you","start":3503.1848,"end":3503.6848,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.005321286618709564},{"word":"i","start":3504.305,"end":3504.785,"confidence":0.9291992,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09382196515798567},{"word":"i","start":3504.785,"end":3504.9448,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1099584549665451},{"word":"also","start":3504.9448,"end":3505.345,"confidence":0.9838867,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.09343922138214111},{"word":"did","start":3505.345,"end":3505.585,"confidence":0.8886719,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.12623995542526245},{"word":"just","start":3505.585,"end":3505.7449,"confidence":0.92578125,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13442304730415344},{"word":"pull","start":3505.7449,"end":3505.9048,"confidence":0.93603516,"punctuated_word":"pull","sentiment":"neutral","sentiment_score":0.1617184728384018},{"word":"up","start":3505.9048,"end":3505.9849,"confidence":0.99316406,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.13739830255508423},{"word":"a","start":3505.9849,"end":3506.2249,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13892048597335815},{"word":"report","start":3506.2249,"end":3506.625,"confidence":1.0,"punctuated_word":"report","sentiment":"neutral","sentiment_score":0.13170088827610016},{"word":"for","start":3506.625,"end":3506.785,"confidence":0.99902344,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15559691190719604},{"word":"you","start":3506.785,"end":3507.025,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12805286049842834},{"word":"real","start":3507.025,"end":3507.1848,"confidence":0.99609375,"punctuated_word":"real","sentiment":"neutral","sentiment_score":0.1369403600692749},{"word":"quick","start":3507.1848,"end":3507.4248,"confidence":1.0,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.16076812148094177},{"word":"as","start":3507.4248,"end":3507.585,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1796005219221115},{"word":"well","start":3507.585,"end":3507.9048,"confidence":0.99609375,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1245460882782936},{"word":"so","start":3507.9048,"end":3508.145,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.17045335471630096},{"word":"your","start":3508.145,"end":3508.545,"confidence":0.9921875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.186445876955986},{"word":"portfolio","start":3508.545,"end":3509.045,"confidence":0.99902344,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.16799427568912506},{"word":"over","start":3509.345,"end":3509.585,"confidence":0.95703125,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.23461110889911652},{"word":"the","start":3509.585,"end":3509.6648,"confidence":0.9614258,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1845390647649765},{"word":"last","start":3509.6648,"end":3509.9849,"confidence":0.99902344,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.1670721471309662},{"word":"twelve","start":3509.9849,"end":3510.305,"confidence":0.99902344,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.2008339017629623},{"word":"months","start":3510.305,"end":3510.7048,"confidence":0.9873047,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.19241097569465637},{"word":"has","start":3510.7048,"end":3510.9448,"confidence":0.99902344,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.20160263776779175},{"word":"returned","start":3510.9448,"end":3511.4248,"confidence":0.9970703,"punctuated_word":"returned","sentiment":"neutral","sentiment_score":0.22007252275943756},{"word":"at","start":3511.4248,"end":3511.585,"confidence":0.63427734,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.17136728763580322},{"word":"8.65%","start":3511.585,"end":3513.35,"confidence":0.9898926,"punctuated_word":"8.65%.","sentiment":"neutral","sentiment_score":0.17306756973266602},{"word":"that's","start":3514.05,"end":3514.29,"confidence":0.8486328,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.25470924377441406},{"word":"a","start":3514.29,"end":3514.53,"confidence":0.9526367,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2892146408557892},{"word":"return","start":3514.53,"end":3515.01,"confidence":0.99609375,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.30924227833747864},{"word":"for","start":3515.01,"end":3515.33,"confidence":0.7080078,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.25682300329208374},{"word":"growth","start":3515.33,"end":3515.6501,"confidence":0.94970703,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.29687339067459106},{"word":"and","start":3515.6501,"end":3515.8901,"confidence":0.99121094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2972922921180725},{"word":"income","start":3515.8901,"end":3516.3901,"confidence":0.99902344,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.28957125544548035},{"word":"of","start":3516.4502,"end":3516.61,"confidence":0.9770508,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21969696879386905},{"word":"over","start":3516.61,"end":3517.01,"confidence":0.9921875,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.30486616492271423},{"word":"9,002","start":3517.01,"end":3518.1301,"confidence":0.91813153,"punctuated_word":"9,002","sentiment":"neutral","sentiment_score":0.22695593535900116},{"word":"september","start":3518.29,"end":3520.05,"confidence":0.94954425,"punctuated_word":"September,","sentiment":"neutral","sentiment_score":0.21989977359771729},{"word":"so","start":3520.05,"end":3520.29,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.193001389503479},{"word":"an","start":3520.29,"end":3520.37,"confidence":0.8461914,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.23427917063236237},{"word":"eight","start":3520.37,"end":3520.61,"confidence":0.9980469,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":0.20712009072303772},{"word":"percent","start":3520.61,"end":3520.9302,"confidence":1.0,"punctuated_word":"percent","sentiment":"neutral","sentiment_score":0.1936656683683395},{"word":"return","start":3520.9302,"end":3521.4302,"confidence":0.9946289,"punctuated_word":"return.","sentiment":"neutral","sentiment_score":0.20625349879264832},{"word":"so","start":3521.4902,"end":3521.8901,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2124304473400116},{"word":"even","start":3521.8901,"end":3522.2102,"confidence":0.9980469,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.2424044907093048},{"word":"without","start":3522.2102,"end":3522.6902,"confidence":0.74902344,"punctuated_word":"without","sentiment":"neutral","sentiment_score":0.1524547040462494},{"word":"contributions","start":3522.6902,"end":3523.1902,"confidence":0.99121094,"punctuated_word":"contributions,","sentiment":"neutral","sentiment_score":0.1770392805337906},{"word":"there","start":3523.33,"end":3523.57,"confidence":0.99902344,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2623935639858246},{"word":"is","start":3523.57,"end":3523.7302,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.267788290977478},{"word":"a","start":3523.7302,"end":3523.8901,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2430061101913452},{"word":"possibility","start":3523.8901,"end":3524.3901,"confidence":1.0,"punctuated_word":"possibility","sentiment":"neutral","sentiment_score":0.2850465774536133},{"word":"you","start":3524.53,"end":3524.61,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.32621219754219055},{"word":"can","start":3524.61,"end":3524.85,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.31086450815200806},{"word":"still","start":3524.85,"end":3525.09,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.2839083671569824},{"word":"get","start":3525.09,"end":3525.33,"confidence":0.99121094,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.33593690395355225},{"word":"great","start":3525.33,"end":3525.57,"confidence":0.9667969,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.380515456199646},{"word":"returns","start":3525.57,"end":3526.05,"confidence":0.99902344,"punctuated_word":"returns","sentiment":"positive","sentiment_score":0.49191492795944214},{"word":"and","start":3526.05,"end":3526.2102,"confidence":0.9536133,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3973652720451355},{"word":"compounding","start":3526.2102,"end":3526.7102,"confidence":0.98706055,"punctuated_word":"compounding","sentiment":"positive","sentiment_score":0.4619813859462738},{"word":"out","start":3526.77,"end":3526.9302,"confidence":0.9970703,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.43881112337112427},{"word":"of","start":3526.9302,"end":3527.09,"confidence":0.99609375,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.38071826100349426},{"word":"your","start":3527.09,"end":3527.33,"confidence":0.49804688,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.3310789465904236},{"word":"super","start":3527.33,"end":3527.83,"confidence":0.6287842,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.2755362391471863},{"word":"so","start":3529.385,"end":3529.625,"confidence":0.9760742,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09370476007461548},{"word":"it","start":3529.625,"end":3529.785,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12596331536769867},{"word":"can","start":3529.785,"end":3530.025,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11909683048725128},{"word":"be","start":3530.025,"end":3530.185,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1154228001832962},{"word":"done","start":3530.185,"end":3530.685,"confidence":0.9777832,"punctuated_word":"done.","sentiment":"neutral","sentiment_score":0.12356335669755936},{"word":"yeah","start":3530.825,"end":3531.325,"confidence":0.9926758,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1864212304353714},{"word":"so","start":3531.465,"end":3531.785,"confidence":0.99316406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.295945405960083},{"word":"it","start":3531.785,"end":3532.105,"confidence":0.8442383,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.32835614681243896},{"word":"can","start":3532.105,"end":3532.345,"confidence":0.82373047,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.36239302158355713},{"word":"definitely","start":3532.345,"end":3532.7449,"confidence":0.9941406,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.3626483380794525},{"word":"be","start":3532.7449,"end":3532.905,"confidence":0.99902344,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.3346133232116699},{"word":"done","start":3532.905,"end":3533.225,"confidence":0.98706055,"punctuated_word":"done,","sentiment":"neutral","sentiment_score":0.2686871588230133},{"word":"but","start":3533.225,"end":3533.465,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2592403292655945},{"word":"it's","start":3533.465,"end":3533.625,"confidence":0.96606445,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1714087724685669},{"word":"also","start":3533.625,"end":3533.945,"confidence":0.6894531,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1620233654975891},{"word":"gotta","start":3533.945,"end":3534.185,"confidence":0.47631836,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":0.16173937916755676},{"word":"be","start":3534.185,"end":3534.345,"confidence":0.9902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.21306277811527252},{"word":"something","start":3534.345,"end":3534.585,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.2097091972827911},{"word":"that","start":3534.585,"end":3534.825,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.25147730112075806},{"word":"you're","start":3534.825,"end":3534.9849,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.17485952377319336},{"word":"comfortable","start":3534.9849,"end":3535.465,"confidence":0.99902344,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.1329292356967926},{"word":"with","start":3535.465,"end":3535.785,"confidence":0.9904785,"punctuated_word":"with.","sentiment":"neutral","sentiment_score":0.19742678105831143},{"word":"so","start":3535.785,"end":3536.285,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.15361368656158447},{"word":"feel","start":3537.385,"end":3537.545,"confidence":0.8798828,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.1552923321723938},{"word":"free","start":3537.545,"end":3537.785,"confidence":1.0,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.19396919012069705},{"word":"to","start":3537.785,"end":3537.865,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18139690160751343},{"word":"have","start":3537.865,"end":3538.025,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.19589273631572723},{"word":"it","start":3538.025,"end":3538.185,"confidence":0.6821289,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1422572284936905},{"word":"read","start":3538.185,"end":3538.345,"confidence":0.9370117,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.1582545042037964},{"word":"to","start":3538.345,"end":3538.505,"confidence":0.7583008,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12902699410915375},{"word":"the","start":3538.505,"end":3538.665,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11740903556346892},{"word":"document","start":3538.665,"end":3539.145,"confidence":0.98535156,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.14425981044769287},{"word":"let","start":3539.145,"end":3539.305,"confidence":1.0,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":0.16152848303318024},{"word":"me","start":3539.305,"end":3539.465,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1700599044561386},{"word":"know","start":3539.465,"end":3539.545,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.1947648972272873},{"word":"if","start":3539.545,"end":3539.705,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.188817098736763},{"word":"you","start":3539.705,"end":3539.785,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1653003692626953},{"word":"have","start":3539.785,"end":3539.945,"confidence":0.99316406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.14795127511024475},{"word":"any","start":3539.945,"end":3540.105,"confidence":0.98291016,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.1604839265346527},{"word":"additional","start":3540.105,"end":3540.505,"confidence":0.96875,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.11673550307750702},{"word":"questions","start":3540.505,"end":3540.905,"confidence":0.9946289,"punctuated_word":"questions.","sentiment":"neutral","sentiment_score":0.08336950838565826},{"word":"if","start":3540.905,"end":3541.065,"confidence":1.0,"punctuated_word":"If","sentiment":"positive","sentiment_score":0.41509467363357544},{"word":"you're","start":3541.065,"end":3541.305,"confidence":0.99902344,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.491044819355011},{"word":"happy","start":3541.305,"end":3541.625,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.6540572643280029},{"word":"to","start":3541.625,"end":3541.92,"confidence":0.99902344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5921486616134644},{"word":"take","start":3541.92,"end":3542.0798,"confidence":1.0,"punctuated_word":"take","sentiment":"positive","sentiment_score":0.6569323539733887},{"word":"it","start":3542.0798,"end":3542.3198,"confidence":0.9980469,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5370492935180664},{"word":"on","start":3542.3198,"end":3542.4,"confidence":0.6923828,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.6670273542404175},{"word":"board","start":3542.4,"end":3542.64,"confidence":0.99609375,"punctuated_word":"board","sentiment":"positive","sentiment_score":0.7139285206794739},{"word":"and","start":3542.64,"end":3542.88,"confidence":0.9741211,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5121505260467529},{"word":"wanna","start":3542.88,"end":3543.28,"confidence":0.8676758,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.6186161041259766},{"word":"suddenly","start":3543.28,"end":3543.5999,"confidence":0.57373047,"punctuated_word":"suddenly","sentiment":"positive","sentiment_score":0.5151541829109192},{"word":"go","start":3543.5999,"end":3543.76,"confidence":0.9970703,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.5058847665786743},{"word":"through","start":3543.76,"end":3543.92,"confidence":0.92089844,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.47096163034439087},{"word":"the","start":3543.92,"end":3544.0798,"confidence":0.98535156,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5038900375366211},{"word":"switch","start":3544.0798,"end":3544.5798,"confidence":0.9980469,"punctuated_word":"switch","sentiment":"positive","sentiment_score":0.4038937389850617},{"word":"and","start":3545.04,"end":3545.54,"confidence":0.99316406,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.35050398111343384},{"word":"take","start":3545.8398,"end":3546.0798,"confidence":0.63964844,"punctuated_word":"take","sentiment":"positive","sentiment_score":0.46469613909721375},{"word":"the","start":3546.0798,"end":3546.3198,"confidence":0.99609375,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4469076991081238},{"word":"advice","start":3546.3198,"end":3546.8198,"confidence":0.98779297,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":0.2904927134513855},{"word":"i'll","start":3547.04,"end":3547.2,"confidence":1.0,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.3138312101364136},{"word":"get","start":3547.2,"end":3547.3599,"confidence":0.99902344,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.344929963350296},{"word":"you","start":3547.3599,"end":3547.52,"confidence":0.9980469,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.34811931848526},{"word":"to","start":3547.52,"end":3547.5999,"confidence":0.9614258,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2880716621875763},{"word":"sign","start":3547.5999,"end":3547.8398,"confidence":0.99316406,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.209785133600235},{"word":"and","start":3547.8398,"end":3548.0,"confidence":0.98535156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17568856477737427},{"word":"return","start":3548.0,"end":3548.3198,"confidence":0.99902344,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.3147274851799011},{"word":"it","start":3548.3198,"end":3548.48,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2497268319129944},{"word":"back","start":3548.48,"end":3548.7998,"confidence":0.9995117,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":0.24444438517093656},{"word":"in","start":3548.7998,"end":3548.96,"confidence":1.0,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.11025959998369216},{"word":"the","start":3548.96,"end":3549.1199,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11288232356309892},{"word":"meantime","start":3549.1199,"end":3549.6199,"confidence":0.9980469,"punctuated_word":"meantime,","sentiment":"neutral","sentiment_score":0.0767025426030159},{"word":"if","start":3550.0,"end":3550.16,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09149578958749773},{"word":"you","start":3550.16,"end":3550.3198,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1313144564628601},{"word":"send","start":3550.3198,"end":3550.5598,"confidence":0.99902344,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.0918741524219513},{"word":"me","start":3550.5598,"end":3550.88,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.14144067466259003},{"word":"a","start":3550.88,"end":3551.38,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1265045702457428},{"word":"statement","start":3551.44,"end":3551.94,"confidence":0.94750977,"punctuated_word":"statement,","sentiment":"neutral","sentiment_score":0.10855551809072496},{"word":"and","start":3552.4,"end":3552.5598,"confidence":0.74316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08912234008312225},{"word":"i'll","start":3552.5598,"end":3552.72,"confidence":0.99902344,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.13748519122600555},{"word":"send","start":3552.72,"end":3552.96,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.13202883303165436},{"word":"you","start":3552.96,"end":3553.1199,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19608579576015472},{"word":"an","start":3553.1199,"end":3553.28,"confidence":1.0,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.15494269132614136},{"word":"email","start":3553.28,"end":3553.68,"confidence":1.0,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.1792469471693039},{"word":"after","start":3553.68,"end":3553.92,"confidence":1.0,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.1265173703432083},{"word":"the","start":3553.92,"end":3554.0798,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1472267359495163},{"word":"call","start":3554.0798,"end":3554.3198,"confidence":1.0,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.1415306031703949},{"word":"as","start":3554.3198,"end":3554.48,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.155083030462265},{"word":"well","start":3554.48,"end":3554.955,"confidence":0.81396484,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.09528187662363052},{"word":"and","start":3555.0352,"end":3555.355,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10661063343286514},{"word":"i","start":3555.355,"end":3555.435,"confidence":0.9873047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.24337130784988403},{"word":"can","start":3555.435,"end":3555.675,"confidence":0.91259766,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.17912085354328156},{"word":"go","start":3555.675,"end":3555.915,"confidence":0.99316406,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.21642696857452393},{"word":"back","start":3555.915,"end":3556.0752,"confidence":0.99316406,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.1881406605243683},{"word":"and","start":3556.0752,"end":3556.235,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16167837381362915},{"word":"just","start":3556.235,"end":3556.395,"confidence":0.96435547,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2186594307422638},{"word":"do","start":3556.395,"end":3556.5552,"confidence":0.98291016,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2053852528333664},{"word":"some","start":3556.5552,"end":3556.715,"confidence":0.99902344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.18291635811328888},{"word":"additional","start":3556.715,"end":3557.215,"confidence":1.0,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.1879771649837494},{"word":"research","start":3557.2751,"end":3557.7551,"confidence":1.0,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.12192686647176744},{"word":"there","start":3557.7551,"end":3558.0752,"confidence":0.9970703,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.22055567800998688},{"word":"for","start":3558.0752,"end":3558.235,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2277197539806366},{"word":"you","start":3558.235,"end":3558.735,"confidence":0.76831055,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.21978303790092468},{"word":"and","start":3559.0352,"end":3559.195,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09474284946918488},{"word":"i","start":3559.195,"end":3559.2751,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17994210124015808},{"word":"can","start":3559.2751,"end":3559.435,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1899888515472412},{"word":"send","start":3559.435,"end":3559.7551,"confidence":1.0,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.23248079419136047},{"word":"you","start":3559.7551,"end":3559.995,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2699938416481018},{"word":"a","start":3559.995,"end":3560.3152,"confidence":0.98828125,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2250063270330429},{"word":"a","start":3560.3152,"end":3560.395,"confidence":0.76171875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21965236961841583},{"word":"comparison","start":3560.395,"end":3560.895,"confidence":1.0,"punctuated_word":"comparison","sentiment":"neutral","sentiment_score":0.16290847957134247},{"word":"on","start":3561.115,"end":3561.435,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.16501383483409882},{"word":"what","start":3561.435,"end":3561.675,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.19045348465442655},{"word":"it","start":3561.675,"end":3561.835,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.18557921051979065},{"word":"might","start":3561.835,"end":3562.0752,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.11897695064544678},{"word":"look","start":3562.0752,"end":3562.3152,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.15662509202957153},{"word":"like","start":3562.3152,"end":3562.475,"confidence":1.0,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.11924974620342256},{"word":"if","start":3562.475,"end":3562.715,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.17767998576164246},{"word":"you","start":3562.715,"end":3562.875,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19879773259162903},{"word":"paid","start":3562.875,"end":3563.375,"confidence":0.98828125,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.15664337575435638},{"word":"this","start":3563.5151,"end":3563.835,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.12907937169075012},{"word":"money","start":3563.835,"end":3564.155,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.10572070628404616},{"word":"off","start":3564.155,"end":3564.3152,"confidence":0.97509766,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.10860679298639296},{"word":"the","start":3564.3152,"end":3564.475,"confidence":0.9970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07653035968542099},{"word":"mortgage","start":3564.475,"end":3564.955,"confidence":1.0,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.08384473621845245},{"word":"and","start":3564.955,"end":3565.195,"confidence":0.921875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1624285876750946},{"word":"what","start":3565.195,"end":3565.435,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2505526542663574},{"word":"kind","start":3565.435,"end":3565.595,"confidence":1.0,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.11576656997203828},{"word":"of","start":3565.595,"end":3565.7551,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20185740292072296},{"word":"interest","start":3565.7551,"end":3566.155,"confidence":0.99121094,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.1868991255760193},{"word":"you","start":3566.155,"end":3566.3152,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2967616319656372},{"word":"might","start":3566.3152,"end":3566.5552,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.2811521887779236},{"word":"save","start":3566.5552,"end":3566.7952,"confidence":0.90625,"punctuated_word":"save","sentiment":"neutral","sentiment_score":0.2137178480625153},{"word":"just","start":3566.7952,"end":3567.0352,"confidence":0.6669922,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16116482019424438},{"word":"so","start":3567.0352,"end":3567.115,"confidence":0.97802734,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1853882372379303},{"word":"you","start":3567.115,"end":3567.2751,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2584836184978485},{"word":"can","start":3567.2751,"end":3567.435,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2508509159088135},{"word":"see","start":3567.435,"end":3567.595,"confidence":0.9970703,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.29188448190689087},{"word":"the","start":3567.595,"end":3567.7551,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2429678738117218},{"word":"difference","start":3567.7551,"end":3568.155,"confidence":1.0,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":0.13016358017921448},{"word":"there","start":3568.155,"end":3568.655,"confidence":0.9995117,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.17609083652496338},{"word":"okay","start":3568.715,"end":3569.215,"confidence":0.8666992,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.12064659595489502},{"word":"yeah","start":3571.0,"end":3571.4,"confidence":0.9350586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.19060784578323364},{"word":"oh","start":3571.4,"end":3571.72,"confidence":0.86816406,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.14007604122161865},{"word":"good","start":3571.72,"end":3572.22,"confidence":0.90527344,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.23687388002872467},{"word":"i","start":3575.0,"end":3575.24,"confidence":0.7285156,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07354260981082916},{"word":"have","start":3575.24,"end":3575.48,"confidence":0.88427734,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09053616970777512},{"word":"got","start":3575.48,"end":3575.7998,"confidence":0.98095703,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.09973163902759552},{"word":"something","start":3575.7998,"end":3576.1199,"confidence":0.9941406,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.05098579078912735},{"word":"back","start":3576.1199,"end":3576.3599,"confidence":0.9760742,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.053279563784599304},{"word":"at","start":3576.3599,"end":3576.5198,"confidence":0.72216797,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06399194151163101},{"word":"this","start":3576.5198,"end":3576.8398,"confidence":0.90625,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.10988618433475494},{"word":"high","start":3576.8398,"end":3577.24,"confidence":0.48388672,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.155093714594841},{"word":"sign","start":3577.24,"end":3577.74,"confidence":0.9765625,"punctuated_word":"sign.","sentiment":"neutral","sentiment_score":0.12609876692295074},{"word":"that's","start":3580.0398,"end":3580.3599,"confidence":0.98168945,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.364372581243515},{"word":"okay","start":3580.3599,"end":3580.8599,"confidence":1.0,"punctuated_word":"okay.","sentiment":"positive","sentiment_score":0.3807823657989502},{"word":"look","start":3581.24,"end":3581.48,"confidence":0.7878418,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":0.31076815724372864},{"word":"we'll","start":3581.48,"end":3581.7998,"confidence":0.99560547,"punctuated_word":"We'll","sentiment":"positive","sentiment_score":0.33656927943229675},{"word":"make","start":3581.7998,"end":3582.0398,"confidence":0.9980469,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.373196542263031},{"word":"the","start":3582.0398,"end":3582.2,"confidence":0.99121094,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3695549964904785},{"word":"changes","start":3582.2,"end":3582.7,"confidence":0.9980469,"punctuated_word":"changes","sentiment":"positive","sentiment_score":0.3372812569141388},{"word":"for","start":3582.7598,"end":3582.92,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.38129305839538574},{"word":"you","start":3582.92,"end":3583.16,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.32268649339675903},{"word":"anyway","start":3583.16,"end":3583.5598,"confidence":0.7019043,"punctuated_word":"anyway.","sentiment":"neutral","sentiment_score":0.277557373046875},{"word":"and","start":3583.5598,"end":3583.72,"confidence":0.9970703,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.17069844901561737},{"word":"then","start":3583.72,"end":3583.96,"confidence":0.9951172,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1450759917497635},{"word":"if","start":3583.96,"end":3584.0398,"confidence":0.9863281,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1933574229478836},{"word":"you","start":3584.0398,"end":3584.385,"confidence":0.9589844,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14365120232105255},{"word":"ever","start":3584.465,"end":3584.625,"confidence":0.68896484,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.17032304406166077},{"word":"decide","start":3584.625,"end":3584.865,"confidence":0.99609375,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.13858187198638916},{"word":"you","start":3584.865,"end":3585.105,"confidence":0.9326172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1013634353876114},{"word":"if","start":3585.185,"end":3585.345,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.15338416397571564},{"word":"you","start":3585.345,"end":3585.425,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15529176592826843},{"word":"decide","start":3585.425,"end":3585.745,"confidence":0.9970703,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.13395723700523376},{"word":"you","start":3585.745,"end":3585.905,"confidence":0.9941406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1345391422510147},{"word":"wanna","start":3585.905,"end":3586.065,"confidence":0.9902344,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.2344709038734436},{"word":"pull","start":3586.065,"end":3586.225,"confidence":0.9453125,"punctuated_word":"pull","sentiment":"neutral","sentiment_score":0.2601165473461151},{"word":"it","start":3586.225,"end":3586.305,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.17300079762935638},{"word":"out","start":3586.305,"end":3586.545,"confidence":0.99316406,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.16875514388084412},{"word":"let","start":3586.545,"end":3586.785,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.2120750993490219},{"word":"me","start":3586.785,"end":3586.945,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.24045023322105408},{"word":"know","start":3586.945,"end":3587.105,"confidence":1.0,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.25093594193458557},{"word":"you've","start":3587.105,"end":3587.345,"confidence":0.9975586,"punctuated_word":"You've","sentiment":"positive","sentiment_score":0.4095931053161621},{"word":"got","start":3587.345,"end":3587.5051,"confidence":1.0,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.4685737192630768},{"word":"me","start":3587.5051,"end":3587.745,"confidence":0.99902344,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.43633532524108887},{"word":"here","start":3587.745,"end":3587.985,"confidence":0.9946289,"punctuated_word":"here.","sentiment":"positive","sentiment_score":0.3926255702972412},{"word":"you","start":3587.985,"end":3588.145,"confidence":1.0,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.40325286984443665},{"word":"can","start":3588.145,"end":3588.305,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4369778037071228},{"word":"use","start":3588.305,"end":3588.545,"confidence":1.0,"punctuated_word":"use","sentiment":"positive","sentiment_score":0.5385460257530212},{"word":"me","start":3588.545,"end":3588.705,"confidence":0.9980469,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.5123944282531738},{"word":"to","start":3588.705,"end":3588.865,"confidence":0.94384766,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5889460444450378},{"word":"your","start":3588.865,"end":3589.025,"confidence":0.99902344,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.49147430062294006},{"word":"full","start":3589.025,"end":3589.265,"confidence":0.99902344,"punctuated_word":"full","sentiment":"positive","sentiment_score":0.5821890830993652},{"word":"advantage","start":3589.265,"end":3589.745,"confidence":0.99316406,"punctuated_word":"advantage.","sentiment":"positive","sentiment_score":0.5028120279312134},{"word":"i","start":3589.745,"end":3589.825,"confidence":0.99902344,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.41475290060043335},{"word":"can","start":3589.825,"end":3589.985,"confidence":1.0,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.38663673400878906},{"word":"do","start":3589.985,"end":3590.305,"confidence":0.9980469,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.4734736680984497},{"word":"as","start":3590.305,"end":3590.385,"confidence":0.9790039,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4235251545906067},{"word":"much","start":3590.385,"end":3590.705,"confidence":0.99902344,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.4053267538547516},{"word":"research","start":3590.705,"end":3591.105,"confidence":0.9770508,"punctuated_word":"research","sentiment":"positive","sentiment_score":0.35905733704566956},{"word":"as","start":3591.105,"end":3591.265,"confidence":0.98828125,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.32402005791664124},{"word":"you","start":3591.265,"end":3591.425,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.452801376581192},{"word":"want","start":3591.425,"end":3591.745,"confidence":0.9790039,"punctuated_word":"want,","sentiment":"neutral","sentiment_score":0.3091298043727875},{"word":"and","start":3591.745,"end":3591.905,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.30791977047920227},{"word":"we","start":3591.905,"end":3591.985,"confidence":1.0,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3364764451980591},{"word":"can","start":3591.985,"end":3592.225,"confidence":0.99902344,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.36457616090774536},{"word":"talk","start":3592.225,"end":3592.465,"confidence":1.0,"punctuated_word":"talk","sentiment":"positive","sentiment_score":0.3885121345520019},{"word":"about","start":3592.465,"end":3592.705,"confidence":1.0,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.3562192916870117},{"word":"all","start":3592.705,"end":3592.865,"confidence":1.0,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.44536036252975464},{"word":"the","start":3592.865,"end":3592.945,"confidence":0.9980469,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.41729429364204407},{"word":"options","start":3592.945,"end":3593.2651,"confidence":1.0,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.2972027659416199},{"word":"that","start":3593.2651,"end":3593.585,"confidence":0.5961914,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.40571388602256775},{"word":"are","start":3593.585,"end":3593.665,"confidence":0.99609375,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.367882788181305},{"word":"viable","start":3593.665,"end":3594.065,"confidence":0.91748047,"punctuated_word":"viable","sentiment":"neutral","sentiment_score":0.2962096929550171},{"word":"to","start":3594.065,"end":3594.225,"confidence":0.984375,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4051416218280792},{"word":"you","start":3594.225,"end":3594.465,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4108236730098725},{"word":"as","start":3594.465,"end":3594.625,"confidence":1.0,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.36080557107925415},{"word":"well","start":3594.625,"end":3595.125,"confidence":0.9995117,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2668291926383972},{"word":"okay","start":3595.185,"end":3595.685,"confidence":0.98876953,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.148443341255188},{"word":"oh","start":3598.24,"end":3598.4,"confidence":0.873291,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.5421751737594604},{"word":"you","start":3598.4,"end":3598.64,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5988427996635437},{"word":"too","start":3598.64,"end":3599.14,"confidence":0.97436523,"punctuated_word":"too.","sentiment":"positive","sentiment_score":0.3924570679664612},{"word":"anytime","start":3600.0798,"end":3600.5798,"confidence":0.83186847,"punctuated_word":"Anytime,","sentiment":"neutral","sentiment_score":0.299159973859787},{"word":"yvonne","start":3600.72,"end":3601.2,"confidence":0.9890137,"punctuated_word":"Yvonne.","sentiment":"neutral","sentiment_score":0.29397526383399963},{"word":"thank","start":3601.2,"end":3601.44,"confidence":0.99316406,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7593575716018677},{"word":"you","start":3601.44,"end":3601.68,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8392527103424072},{"word":"so","start":3601.68,"end":3601.8398,"confidence":0.99902344,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.8274015784263611},{"word":"much","start":3601.8398,"end":3602.16,"confidence":1.0,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.7847882509231567},{"word":"have","start":3602.16,"end":3602.48,"confidence":0.9970703,"punctuated_word":"Have","sentiment":"positive","sentiment_score":0.786708652973175},{"word":"a","start":3602.48,"end":3602.5598,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7649224996566772},{"word":"really","start":3602.5598,"end":3602.96,"confidence":1.0,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.8183955550193787},{"word":"great","start":3602.96,"end":3603.2,"confidence":1.0,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.8294195532798767},{"word":"week","start":3603.2,"end":3603.5198,"confidence":0.99902344,"punctuated_word":"week.","sentiment":"positive","sentiment_score":0.7660213708877563},{"word":"i'll","start":3603.5198,"end":3603.76,"confidence":0.9975586,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.425520122051239},{"word":"talk","start":3603.76,"end":3603.92,"confidence":1.0,"punctuated_word":"talk","sentiment":"positive","sentiment_score":0.5758471488952637},{"word":"to","start":3603.92,"end":3604.0798,"confidence":0.9980469,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.55353182554245},{"word":"you","start":3604.0798,"end":3604.3198,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4521849453449249},{"word":"soon","start":3604.3198,"end":3604.8198,"confidence":1.0,"punctuated_word":"soon.","sentiment":"neutral","sentiment_score":0.3157723546028137},{"word":"thanks","start":3606.64,"end":3607.14,"confidence":0.86206055,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.5977987051010132},{"word":"see","start":3607.2,"end":3607.3599,"confidence":0.8540039,"punctuated_word":"See","sentiment":"positive","sentiment_score":0.41690146923065186},{"word":"you","start":3607.3599,"end":3607.44,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4707779586315155},{"word":"later","start":3607.44,"end":3607.8398,"confidence":0.99902344,"punctuated_word":"later.","sentiment":"positive","sentiment_score":0.5225015878677368},{"word":"bye","start":3607.8398,"end":3608.3398,"confidence":0.9980469,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.07069839537143707}],"paragraphs":{"transcript":"\nHi, Yvonne. This is Dana from OQ Financial. How are you? I'm very well. Thank you.\n\nI had your staff and Peter both booked in to go through your updated advice document. Is now still a good time for you? Yep. Beautiful. Beautiful.\n\nI'm gonna send you an email. Is either of you or both of you able to jump into your emails and view the document at all? Yeah. That's absolutely fine. Not a problem at all.\n\nAll good. And is Peter there with you as well? Beautiful. Beautiful. Excellent.\n\nHow have you both been? How's your day going? You're right. Oh, it's is one of your pet, is it? I bet.\n\nI bet. Yep. All good. Got that one. Beautiful.\n\nBeautiful. Now before I jump in and go through this with you, just to let you know, we do record our calls for quality and training purposes. Are you both happy for me to proceed with that? Lovely. And just to do security, just the phone of you is fine.\n\nIf I just get you, Yvonne, just to confirm your date of birth and address for me? Yep. Oh, beautiful. Thank you so much for that. So with regards to the advice there, as you open it up, the first page does let you know, has been prepared for both of yourselves as sorry.\n\nBy myself and my lovely team here, my authorized representative number is 1304394. All advice that we're going through is provided under the best interest duty there, essentially, with this advice document. We did the annual review last year, and I apologize for taking a little bit long to get this one out to you. But we were just looking at making sure that you were on track, looking at, you know, where you were going retirement wise. You both made mention that you were both looking to retire, hopefully, in the next ten years.\n\nAnd, Katie, you're back at work now. You've got a new job. Fantastic. Michelle made mention that you off the twenty one days, you'll be working for this stint. Wow.\n\nYeah. Wow. That's a, yeah, that's a long stint, isn't it? No. Absolutely.\n\nThat's okay. The email I had for both of you was the same email address. I've got peter.wooderson1@bigpond.com down for both of you on file. So it's gone through to the same email. Yep.\n\nYeah. That's okay. When you go into the email inbox, there'll be two individual invitations. It's all good, honestly. It's so good to talk to you both again.\n\nI've missed having a little chat. So what I did was I went back after the review last year. We had a bit of a look at everything with you, Super. I am making a recommendation to make a couple of changes. This year, especially, we have seen some changes in the market conditions.\n\nSo it did mean that we wanted to update some of your investment options. I've done that for you, and this is essentially outlining that, and then we are working towards being able to retire. You guys mentioned in the next ten years, if anything changes, we can always look at this. But I wanted to, as part of this document, kind of show you where we're tracking for, not just for the projection table, but just sort of showing you where you might be tracking for in retirement, how long Susan might be expected to last with the draw downs and things like that. So I put a little bit more into this for you.\n\nOkay? You're right. It's okay. One of them should be for one should say Peter, one should say Yvonne. On the same email.\n\nYeah. Because on file, the last time we updated the details, you just wanted needed to use the same email address. So we have the same email address on file, so that's okay. Oh, that's okay. Oh, that's email if we could get around it, it'd be great.\n\nWhen the technology can be a pain when it don't work. No. That's honestly okay. It's not a problem at all. To make this a bit easier, there is quite a lot of pages there, but I'll just sort of make it a bit easier for you both.\n\nIf I can get you to go down to page number 20 for me, I'll just take you through what these recommendations are, and then I'll show you why I've made them this way for you. Perfect. Now, Peter, you are still a high growth investor, so we're still looking at the high growth portfolio for yourself there. But as I kinda made mention, I've had a bit of a look at your investments, done a bit of looking around and seeing how things are structured for you, and I am making a bit of a recommendation that we make a change to these. So you both have been along Australian equities inside your inside your papers the last couple of years, and then along long term has been a great investment.\n\nBut since January, it's actually been underperforming pretty significantly. So we went so we went back and we spoke to Servi and Bart and sort of said, look. This isn't working. We need to find something else. So we've done a bit of research around what to alter and to how to move that investment.\n\nSo we're gonna sell that for both of your portfolios, and we're moving the funds out of Benelong Australian equities and into the a 200, which is the second one from the bottom there, the BetaShares Australian 200. Now this investment yeah. Sorry. Page 20. Sorry.\n\nYou're right. Tell me if I need and it goes slower for you, Peter. Yeah. That's the one. Yeah.\n\nSo we're gonna sell all of the Bannalong Australian equities. Now Bannalong is a managed fund, and the reason it was in everyone's portfolios back in the day was that it was more of an actively managed component. So the investment committee of that managed fund are supposed to be buying and selling and trying to outperform against the market. And as everyone sort of noticed, they have not been. We flagged it as soon as we started this year, and we're like, we have to get this out.\n\nSo we've been going to doing advice to everyone to try and alter the portfolio, but making sure we're investigating what's important to you guys as per your goals. Yeah. So this is actually selling it. So this says that you've got $64,007.46 in that Bennelong Equities investment, and we're gonna sell all of that, sell it all down. Bennelong normally has about 25 to 30 different investments in it.\n\nSo by moving the money into the beta shares Australian 200, you're actually tracking the top 200 companies in Australia. And because Benelong only has between 20 to 30 different investments at any one particular time, moving into the a 200 gives you more diversification in your portfolio. So it's helping to lower the overall risk. We're diversifying across more Australian equities as well, and it's actually cheaper. It's a passively managed fund, and it's actually cheaper than holding Benelon.\n\nSo it's gonna help in reducing your investment costs as well in your in your fund. Yeah. I did look at all the super funds. Netwealth is still really important to retain for the both of you for the time being. I did I do look at the tax consequences of moving out.\n\nNetwealth is still a great platform. There's no real changes in the platform that require us to move you out at the moment, so I'm retaining Netwealth. The other investments, gold has performed really, really well. So we are keeping gold, but we are just rebalancing a little bit for you there, Peter. So you have about 7.58% now.\n\nI'm gonna sell down a little bit just to 7%. We're just cementing some of the gains that's received and making sure we distribute those elsewhere, keeping, you know, rebalancing your portfolio as well is really important. The BetaShares cybersecurity, we're gonna buy a bit more of that. You've got 5.51 now. Just need to rebalance up to 6% for you.\n\nThe iShares Europe is still a great place to be giving you diversification across the entire European all the European countries there. There's about 16 of them, I believe. You're underweighted there, so that's gonna increase that to 9% for you. We've also got here the the Misky Europe one. We're gonna get rid of that completely.\n\nYep. We're gonna sell all of that down to zero. And then the Japanese one, we're going to just sell a bit down to bring you back to 5% there. Japan is still really important. It's been really great.\n\nYeah. Yeah. So that yeah. Well, these haven't been sold yet. This is what we're going to do if you sign the advice.\n\nSo we haven't quite done that as of yet. Yeah. I I promise never to sell anything until you tell me it's okay to do so. Yeah. No.\n\nNo. We needed to make some changes, and I wanted to make sure this happened for you. So when we came back and saw what was going on, I wanted to make sure we updated this advice for you and show you what you know, make sure that things are working harder for you moving forward as well. Yeah. Mhmm.\n\nYeah. Yeah. Absolutely. Yep. Definitely.\n\nOkay. Interesting. Mhmm. Yes. Yeah.\n\nAbsolutely. Yep. Perfect. Yeah. If you can let me know how much you should have been paid, I can go through and have a look at all the transactions from the day we opened Netwealth, and I can let you know what you what you've gotten, what you might be missing, and kinda marry it all up for you.\n\nAbsolutely. Yeah. Yeah. Perfect. All good.\n\nYes. It is. Yeah. Yeah. Yeah.\n\nWe can bank transfer that one. Yeah. No. It it has been yeah, no. It has been very, very up and down.\n\nIt's a little bit scary that one man has can do so little and or make one tweet and most and people start to sell and freak out about what's happening in the markets there. So it's a little bit scary. No. Yes. I know.\n\nWe saw that. We were like, woah. That was a clever move. Jeez. Oh, absolutely.\n\nThere's another thing I've noticed as well because I've been doing a lot of research for clients around the oil side of things. But when you look at, like, where a lot of the ships are coming from at the moment, a lot of them are coming from The US. So it's kind of a little bit clever. It's annoying, but very clever that, you know, this has happened, and where do we have to go to buy oil? The US.\n\nCorrect. Correct. Yep. Yep. So we'll have to wait and see what happens.\n\nBut, yeah, no. Look. Things have been very, very up and down within markets. I think March was probably the biggest drop that we've seen this year so far. But we have also seen some sort of recovery from it as well.\n\nSo we thought while the market is moving the way it is at the moment, let's take advantage of that. We'll do, you know, the investment switches for you guys now. That way, you know, where the gains that have been made from some of the investments will be redistributing those across. And then while the market is seeing some downtime, we're buying into some of those investments at a discounted rate. So we can take a bit of an advantage of those downtimes, and then just keep monitoring things moving forward and let you know when we need to make updates and changes for you both as well.\n\nOkay? All good. But I can safely tell you I have been watching it very, very closely. And if there was anything really scary I think we needed to get out of the market, I'd definitely let you guys know. But right now, it's the biggest dips haven't been massive.\n\nThey're being maybe three, four, 5%, so nothing really, really scary as of yet. So yeah. All good. But with this one here, Peter, the only other changes are you've got some s and p 500. So we're rebalancing that, keeping in that one.\n\nI know it is a US investment, and there are some people who are a bit skeptical about The US investments, but it is still a great place to be. And especially with what Trump is doing now, it's benefiting The US, so it's still good to be invested in that. The thing I like about the S and P 500 is that it is the top 500 companies in The US, and it tracks the S and P 500 index. The investment committee for the index actually do meet every quarter, and they essentially assess the companies in the index. So if a company isn't doesn't meet the criteria to be in the top 500, they are removed out, and others are put in their place.\n\nSo you are always tracking the top 500 companies, and that way you're not in companies that are underperforming against the market and don't meet that criteria. Okay? Yeah. A bit more diversification with the Vanguard All World Index, excluding The US because we have the S and P 500 there, making sure that we're diversifying your portfolio because you guys are about ten years out, but you are closer to time at years. Diversification to help lower the risk of making sure we're hitting as many markets as we can for you.\n\nAnd try to keep the investments a bit more passive, low cost so things are working for you, but you don't wanna be paying everything out in investment fees as well. So this is a really good portfolio for getting closer to those retirement years. The beta shares a 200, which is the top 200 companies on the ASX, and then we've got core composite bonds. These are defensive investments. The core composite bonds are government as well as banking bonds and company bonds.\n\nInside this investment, we also have things like credit notes, and it's not just Australian bonds. It's also worldwide as well. So it's giving you diversification, low risk, and these sorts of investments pay out dividends on a monthly basis so they can help with the income producing in your portfolio as well. Okay. Excellent.\n\nYeah. No. You've at the moment, the current waiting is zero, so you don't have that as of yet. We're gonna, yeah, we're adding that in for you. Yeah.\n\nYep. Yeah. Absolutely. Yeah. And at the moment, I did notice with your portfolio, you do have a little bit more in cash than what we'd like.\n\nAt the moment, your cash balance if you go down to the next page, you have about 20,000 in cash. So a lot more in cash than we would wanna keep. Cash doesn't really do anything. So we're gonna invest a bit more in the rest of the portfolio and remove about 17,000 in cash, distribute that across the portfolio. So you should only have a target weight of about 2,710 in cash after the changes are being made.\n\nYeah. The if you get under page 23, this is essentially showing you the changes and how that'll affect your super. The first column has your current scenario. So you've got your current balance there, the fees that you're paying, your contributions based on your current wage, and we know that with your job at the moment that you you're casual now. You'll go to part or full time down the track, and your wage will probably drop a little bit.\n\nSo this is based on your current expected contributions. In the appendix, I've also done a secondary one of these, which shows if your wage was around, say, 90,000 on a yearly basis and the contributions were lower, what the difference might be. But it still puts you in a really good position, and we can, you know, always meet up in the next six months and sort of see what's changing and reevaluate where things are tracking. But this is just using a conservative contribution rate based on your current income. Okay?\n\nIn order to make the changes, we do know that your super fund does a tax return like you do every year, and it does pay tax. So I did go back and calculate and look at the tax consequences for buying and selling the different investments, and that's in the different column here, the 02/1975. So in order to make the changes, the capital gains tax your super fund will account for is about $275 there. Okay? So only a small capital gains, which is good.\n\nAnd we're not moving at a net wealth. There's no sort of point to change that in net wealth. I did look at other funds to see if there's anything that was gonna be cheaper or better, but we'd have to sell the entire portfolio down, which would end up in a larger capital gains consequence. I didn't wanna do that. I wanna limit the amount of taxes you've gotta pay and things like that on your fund.\n\nSo keeping you in net wealth, but making the changes, you can see the investment fee drops drastically. So we can save you about a thousand and $35 on the investment fees for making the change, yeah, which is really good because, you know, we don't really be paying lots of fees for the investment. We wanna save you as much money as possible. Okay? Excellent.\n\nWith we do expect, obviously, growth the the growth at the bottom there is higher. So with your current portfolio, the five year rolling average has averaged about 8.32% on a yearly basis. This newer portfolio, when we look at how it's performed over the past five years, it's averaged about 17.2 three two percent, and we can sort of see if the market performs the way it has over the last five years and it continues that way. On the next page, you'll see the projection forward of where you could end up over the next five or ten years depending on what happens in the market. So I never never gonna guarantee you'll get 17% every year.\n\nHowever, if the market was able to generate that over the next five to ten years, this is essentially where you could see your balance ending up. Okay? Beautiful. Yeah. And we'll just keep making sure we do our reviews every year with you, see how things are going, and make sure you're sort of looking forward and on track there.\n\nOkay? Beautiful. I do obviously have in there the advantages, disadvantages, the risks involved. The advantages of this portfolio is definitely a lot cheaper for you, has performed much greater there. The disadvantages are that you've got the CGT consequences.\n\nThere's also no guarantees market will markets will react the way they have in the past, but we certainly do hope so. And this portfolio has shown over the past, you know, three to five to ten years that it's had a much greater track record. So we utilize that data to project forward knowing that this is what it could do in the future if it acted the same way it has in the past. Okay? Yeah.\n\nYvonne, with your portfolio, you're in a growth portfolio, so you're a little bit lower risk on things than where Peter is. He's in that high growth environment. And on page number 30 is essentially the changes we'll make to yours. That's okay. You're fine.\n\nYeah. Mhmm. Well, I did sort of look at that, and our interest rates have definitely changed since since we sort of last spoke. So I can relook at it again for you. At the moment, I've left it in super and tried to make it work, you know, with the portfolio as much as possible.\n\nBecause your goal at the time was to kinda keep it working. You said you didn't wanna touch it for ten years. But if you wanna if you want to, I can go back and have a look at the difference and see if, you know, it's better to put it on the house. Or if at any point you decide you don't wanna keep it in super and you just wanna pay off your home loan or pay your home loan down, you can let me know, and we can absolutely take it all out. It's not a problem.\n\nIt just comes down to what your preference is. It it does. Yeah. You don't, but your super fund does. So if we were to, I could absolutely have a look at what the total capital gains were, and your fund just essentially holds that money back, and you just get the difference out.\n\nSo if that's something you wanted me to look at, I absolutely can. Out. So if that's something you wanted me to look at, I absolutely can. I know since we last sort of caught up, interest rates have gone up and down and sideways and yeah. Yeah.\n\nMhmm. You are yeah. And look yeah. It would be different. We've seen a contributions going in, it does make a bit more of a difference.\n\nWe can also look at if you wanted me to, I can also look at contribution splitting. So when Peter sort of does go full time, I can look at even splitting some of his contributions into your super so you are getting contributions. We can also do other yeah. Yeah. It normally does work out much better that way.\n\nIt also just comes down to what your preference is. But yours yeah. Yeah. Yeah. Yes.\n\nYeah. Yep. Yeah. That's that's okay. If you wanted to send me through an updated statement with your interest rate, I can have a look at it for you if you like and send you through a comparison.\n\nThat's absolutely fine. With with the, I mean, with the portfolios, the interest the sorry. The rate of return that you've got in here is showing you the average over the past three to five years. But these portfolios can see rates of return of five, ten, 20%. And with a balance of a 110,000, even having a three or a 5% return can make a bit of a difference, especially when it is compounded.\n\nSo you could see this grow pretty significantly. To make it easier, if you just scroll down for me to page 33, I'll actually show you the projection before I go through the changes because yeah. So you'll see you've got your current balance at the moment, which is $112,003.08 5. If I'm making the changes, I'll take you back to this in a moment. The CDT expected is $2.69, for $269.\n\nWe're saving about $720 in investment fees, and the portfolio that you're in currently has averaged 6.07%, whereas this newer portfolio has averaged 12.97%. So, again, you may not get that. You might get a 5% return one year, a 10 percent return the next year. You might get a 15 or 20% return the following year, and it's absolutely possible even without contributions going in. Because the one good thing about these is that all of these investments do also pay, except for gold, they do pay dividends.\n\nSo we've got dividends with the fixed interest and the the comp the bonds. We're also getting coupon payments with interest payments being paid out, and these are going into your cash account. So your funds are still paying income to you. That gets paid to your cash account, and that's it then gets reinvested back into your portfolio. And that does help with the compounding effect.\n\nSo it's not to say it definitely won't grow. If there was any chance I saw it starting to go backwards, I would absolutely say pull it out. It is not worth doing so. But having a look at this at the moment with the way the markets are reacting, the the kind of growth we can expect and see, there's a chance that you could go over the next five years have either a 167,000, or if the market still performed, if you are able to get a 12.97% return even with no contributions, you could end up in ten years with about 250,000 in there. So it's definitely not as much growth as what Peter Soufri is seeing, but it does see that growth.\n\nThe money is still invested. And you can still pull it down if you do need, you know, additional funds here and there for bills or for, you know, something big or a holiday or something because you're not working and you're over 60. You have full access to this money. But in saying that, if if you just wanna pay off the mortgage, you're welcome to ring me and go, Dana, I'm done. Take my money out.\n\nI just wanna put on the mortgage and reduce the amount we have. We would just pull it out. It can be done as a transaction without advice nice and quickly. It can go on the mortgage. And you're still young enough that if you change your mind, we can always put some back into super.\n\nSo or invest it in other ways. So you do definitely have other options there to have a look at. Yeah. Yeah. Well, good.\n\nBut that's essentially, like, the changes made to yours and where we can see it going. I do wanna make sure we do catch up to see how it is tracking, and I will make sure do you guys prefer maybe a catch up once every three or six months? Do you how often would you like to sort of see a catch up moving forward? Yeah. I am.\n\nYeah. Yeah. Yeah. It's okay. All good.\n\nAnd if if you wanna send me through a statement, I can even send you another email after the call so you've got my email there. But if you wanna send me through another statement just with the updated things, I can have a look and give you a comparison email to show, you know, what paying this down could do and how it could how much interest you could expect to kinda save on putting this money towards your mortgage just to give you a comparison so you can kind kinda have a think about what you'd like to do. Yeah. Yeah. Oh, good.\n\nSo back up on page number 30 there, you'll just see a lot there are a lot of the same investments. So we're just gonna sell off some of your gold. You've got about 20% gold in there at the moment. It's a beautiful increase in your in your portfolio. So selling off some of that and just retaining 10,000 in there, gold is a really great growth investment, but the downside to gold is it doesn't pay any income.\n\nSo you wanna make sure you're getting some income investments. And the benefit yeah. Yeah. No. You you have asked a really good question.\n\nYeah. It's a really great question. So gold essentially goes on the price of gold, and we look at growth. So say if you bought a a couple of shares in gold or, you know, a bit of gold and you paid $20 per share in the gold price, and the next day, it went up to $50 per share. That essentially the difference, that $30 difference is your growth, and that's what gold does.\n\nIt just grows and alters in value. So the difference between your buy price and the price that is the next day or the next month is what you could sell it for. Correct. And that's essentially the growth, and that's all gold does. It only has growth in it.\n\nWhereas absolutely. So your S and P 500 and, say, your Vanguard fixed interest, those investments pay income, which is like dividends. So as an example, if you held BHP or CBA shares, those companies earn income every year. And at the at tax, yeah, at tax time, those companies all decide how much income to distribute between their investors. Their investors are you guys because you own those companies through super.\n\nIt's yeah. It gets paid it goes into your cash. That's right. And then it gets reinvested back into your portfolio. Yeah.\n\nDoes that make sense? Correct. Yeah. Correct. Yep.\n\nYep. So you're getting benefits on two fronts. You want growth and income. Yeah. Yeah.\n\nDefinitely. Yeah. Nine. Yeah. Wow.\n\nThat's fantastic. Yeah. I mean, hold on to that because gold's gone up by, what, 30 or 40% over the past couple of years. If it continues, wow. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Wow.\n\nYeah. Wow. Yep. Abs absolutely. Yeah.\n\nYep. Yeah. Yeah. Absolutely. Yeah.\n\nNo. That's exactly whenever yeah. Sorry. Yep. Oh, absolutely.\n\nAbsolutely. No. That's fantastic. I mean, my kids have started investing in there. I mean, I've had a little investments outside of Super for my kids for the past couple of years, but they've started putting their own money in there.\n\nAnd they've got a bit of gold, a bit of, you know, the S and P 500, a bit of little bits of everything here, and they're building that up. And it's really cool to kinda see things grow and build and, you know, it's really fun. It's it's not great when it all goes red. But Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nLet it let it have that first and then see what happens. And yeah. Look. If any of them wanna have a chat to me, more than happy for them to reach out or for us to reach out to them even if it's, you know, not advice needed. They just want some information or, you know, ask to do a bit of work and give them some free advice.\n\nI'm absolutely happy to do that. I just I love working with people, and I wanna make everyone's world better. So everyone's worked so hard. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. It is a big it can be a big step for people to take to sort of think about an adviser.\n\nIt's not something that everyone is comfortable or confident doing. But even if you just let them know, look, there's no obligation to the initial consultation. They don't have to take any of the advice. Everything I give is it's just advice. And even with this like, I'm just giving you advice on how we can make the changes, but you guys get to decide whether you take it or not.\n\nThere is no you know, it's all completely up to you. There's no obligation whatsoever on any of the advice I give, and I'm more than happy to alter it and change it. You know, I'll go back after this if you send me a statement. I'll go do a little bit of after work for you and show you a comparison on the mortgage, and then you can decide what you wanna do as well. So it's by no means in any way, shape, form forcing you guys to do anything that you're not comfortable with, and I would never want anyone to feel like they're forced to take on anything they're not comfortable with.\n\nSo I tend to just let people do things in their own time, and it tends to work out really well because they everyone thinks about it. Some people procrastinate, but then when they make that leap, they feel good about making a leap. It's not as scary. So yeah. Yeah.\n\nYeah. That is true. That is true. Yeah. Yeah.\n\nNo. I that's definitely a thing. Yes. Yeah. No.\n\nCorrect. Absolutely. Yeah. I'll be okay. Yeah.\n\nYeah. Yeah. Yeah. That might be. Yeah.\n\nAbsolutely. No. There's definitely things and that kind of money, there's definitely things we can do to try and get even a part pension out of the government to kind of alleviate some of the financial pressures and stress and give them a little bit of, you know, help. So but also having money just invested in different ways. It doesn't even have to be risky.\n\nYou know? It can be as you guys get closer and closer, I mean yeah. Yeah. We can look at very defensive investments. We can look at things that are a lot more low risk because you guys have still sort of mentioned that you're not accessing super for ten years.\n\nWith Peter still comfortable in that high growth environment, that's absolutely fine. With you in that growth environment, that's still fine and okay. As you get closer to that ten year time horizon, I would definitely be telling you to pull things back a little bit, and we'll be having that conversation more and more as as the years go on. So, you know, we don't wanna keep you really risky forever. It's about making sure that you're invested in a comfort level, but also for the time horizon that you suit as well.\n\nSo, yeah, there's definitely ways that we can look at that, and it's definitely different for everyone as well. So yeah. Yeah. But, no, that's essentially how those sorts of investments work. As I said, we'll sell a bit of the gold.\n\nYou've got a high amount of fixed interest to the Vanguard. They will sell some of also all of that, sorry, and put the money into the core composite bonds because bonds are doing really well at the moment, and this is well diversified for you. We'll keep some cyber security. Just bring you down to five to 5% there, and then we'll also have some European bringing you up to 8%. The iShares, Europe one, the Miski, we're gonna sell all of that.\n\nWe're gonna buy a bit more Japan sorry. Sell a bit of Japan, bring you down to 5% there. The S and P 500 will bring you back down to about 30%. Make sure you've got some of the all world index as well. And then, again, we'll keep some we've got some beta shares a 200 in there as well for world diversification and access to the Australian market as well.\n\nOkay? Your your cash component is still quite high as well, so we're gonna make sure that we bring that down to the minimum because having a lot of money in cash really doesn't do anything for you. It actually costs you money by having it sitting in a cash account. You pay, you know, fees for that, but you don't get any kind of return for it. So you do have quite a lot there.\n\nNo. Yeah. It would have been over the course of the year, but a lot of it was also just, you know, in cash management. So the super funds do cash management every so often, and they'll sell an investment, try to re reweight or rebalance an investment, and the difference will go back into cash. So some of that would have been dividends paid.\n\nSome of it would have been other things like, you know, cash is being left out by the the fund doing cash management re and rebalances and things like that. Okay? Yeah. All good. Yeah.\n\nSo this is essentially the major changes there. I'll show you why I've made these changes. If you go down to page 36 for me, and this is something that's not really important in any of the other plans. It's something I like to do. It's kind of modeling out to show you, you know, where we're kinda tracking.\n\nAnd if these investments perform the way we want them to the way they have over the past, we can kinda see that as you get to those retirement years, what kinda income you could be able to draw down. I've had a bit of a look, and based on the assets that we have noted, you will be eligible for a bit of central income. So this shows if we are to get some age pension all the way through and when we kind of originally spoke, we were looking for a regular weekly income of a thousand dollars per week from both of your spaces combined and how long that was gonna last. So this shows if we make these changes and if the markets work the way they have, and we'll keep tracking and looking at everything, You could be eligible for some age pension there, and then we can also draw some income out of both of your supers to supplement. And we can see here that your supers are expected to last until about age 91.\n\nAnd we're working on a projected income of 52,000 per year. This is estimating that you could exceed that and draw 80,205 between your super account balances and Centrelink and have that last until about age 91. So we could, if we drop down and draw less than 80,000, have that last a little bit longer there. But it shows you that if things work the way they're projected to currently, that this is where we can sort of see things projected for retirement there. Okay?\n\nAnd then I hope you do. Oh, no. I want you to stay alive as long as I'm working. Once I hit retirement, it'll be fine. But yeah, yeah, and the next one down shows you essentially the track without age pension.\n\nSo, obviously, without having age pension factored in here, we are a little bit short of what your goal income is between your two super accounts. And to get longevity, we'd be drawing about 28,000, which is less than what you you guys want. So we do wanna make sure we can sort of factor in age pension there, but I like to run these sorts of retirement calculators to see where we're tracking for, what we're headed towards, to give you a bit of an idea. I know it's not something that, if you put into the plans in the past, but I'd kind of like to show you what we're on track for and how we're projecting because it gives you an idea of what retirement might look like, and you guys have worked way too hard over the years not to enjoy your retirement. So No.\n\nThat's okay. Yeah. Yeah. Yeah. Yeah.\n\nAnd that's kind of where I've I've put that retirement calculator was working on Peter's ten year time horizon, so 60 eight for that one. And, I mean, you guys are eligible for age pension at 67. So, you know, that that is yeah. I think it will change, but I don't think it will affect you guys. It'll be it'll be grandfathered because anyone on and you sort of see when they made those changes to the age pension, they did grandfather it.\n\nSo anywhere before 1961, there was kind of that change where people who were in their fifties were eligible for accessing Centrelink due to the year they were born. But I do think the change will be coming. I don't think it'll be in the ten years because right now with where we are, with the amount of people about to retire and, like, my mom is one of those. My mom is 64 this year, and she is hanging out for age 67 to be able to give up work. She's an age 10 nurse.\n\nIt's very it's very strenuous. So 60 yeah. Yep. Yep. Oh, that's a lot.\n\nYeah. Yeah. Yeah. Yes. Yes.\n\nYes. Yeah. Yeah. It is. Yeah.\n\nYeah. Yeah. Yeah. It it's very, very difficult. It is.\n\nIt is. And we're just, you know, biding time. I'm keeping her going for a bit longer. And she knows as soon as she's because you can apply for age pension when you're thirteen weeks away from age 67 currently. So once she hits that thirteen week period, we are hitting that ground running and we're doing it.\n\nAnd the same thing for you guys because I know you're over 60, so you'll reach 67 before Peter will. So when you get to that point, you and I can have that conversation. I can do some math and run some numbers and see what we do and, you know, how we maybe maneuver some money to make it worthwhile so you guys are eligible and keep as much age pension as possible because, you know, you've worked really hard. You deserve these sorts of things and a little bit of that age no. It depends on what he is earning.\n\nSo if he's earning on the kind of income he is at the moment, there's a very real opportunity you may not be eligible because they work. You get the assets test and the income test, and the one that gives you the lower rate of pay is the one they go with. But we can but we can also look at, you know, maneuvering some things. I can find ways to I have legitimate legal ways to hide money or to we call it sheltering of funds so that it's either not assessable or the accessibility by Centrelink is lowered because of the asset it is. And I can work out both the income and assets test and do the math calculation to work out how it work and what it looks like for you guys.\n\nSo there's definitely some things. Not necessarily not necessarily. I've got some really cool other things that we can look at to shelter money so that you have access to money when you need it, but the the the Centrelink isn't assessing it the same way as they would your super. Yeah. It is pretty cool.\n\nIt is pretty cool. I I love it. It's funny because one of my best friends works for Centrelink, so her job is to give you the least amount of money, and my job's to get you the most. Yeah. Yeah.\n\nYeah. Absolutely. Yeah. Abs absolutely. As I said, just make mention, there's no obligation, but as much as it's always better to try and do things as early as possible, it's also gotta be within someone's comfort level.\n\nSo when they're ready, I will be there at any time they are not. Okay? Yeah. All good. That's essentially what I needed to go through with you guys.\n\nI do have a little section at the bottom there just recommending that you still review your existing will. Retaining the insurances that you have at the moment, your your Peter's life and CBD and your life cover with real, just because you're still comfortable with the level of cover, but we'll keep reviewing those down the track as well. Yeah. The biggest thing I sort of think of is life insurance is important in my view when you have a mortgage and or some sort of debt that needs to be paid out. The other thing the other reason I kind of kept your super where it was was one of the other goals down the track was that you were wanting to maybe sell the property.\n\nSo is that still something you're looking to do medium term, maybe sell the house and buy something smaller or yeah. Yeah. Yeah. It's a lot. Yeah.\n\nYeah. Yeah. Yeah. Yeah. The the things do accumulate.\n\nYeah. Yep. Yep. Yep. Yeah.\n\nYeah. Yeah. Mhmm. Yep. Yes.\n\nYes. Yeah. Yeah. Definitely. Yep.\n\nWell, when you get to that point, yeah, if you still have the money and see, but we'll look at what we can do. I mean, another way of sheltering that money from Centrelink is to be able to put it on the home because the home is a 100% exempt. So paying down the mortgage and putting the money on the home does sort of benefit you guys. But, yeah, you are right. When you get to those to ages with the mortgages and the lending side of things, they are looking for an exit strategy.\n\nThey're looking at, you know, if something happened, how are you gonna pay that back if you're not gonna work until you're 90? So yeah. Yes. Wow. Wow.\n\nYeah. Mhmm. Yes. Yeah. Yeah.\n\nYes. Yep. Yeah. Wow. Yeah.\n\nWow. That's crazy, isn't it? Yeah. Wow. Yeah.\n\nI know my house insurance has skyrocketed again with the 2022 floods in Northern New South Wales. And then and then the cycling thing last year, I think my flood levy went up to just over $1,000. I paid $3 just to insure my house this year. Shocking. I nearly cried.\n\nYeah. Wow. It's a lot. Yeah. Yes.\n\nYes. Yeah. Yeah. Wow. Wow.\n\nYep. Yeah. Makes sense. Yeah. Definitely.\n\nFind it and see what they come out with. You just never know. You might win. You might be a you might be able to convince them. Yeah.\n\nI mean, when I've changed insurance, I've never had to give them any of the documents. I've just had to tell them I had it. No. So yes. Interesting.\n\nBe worth be worth looking at. Yeah. Wow. Wow. Yeah.\n\nAbsolutely. Wow. Yeah. K. Yeah.\n\nYeah. Wow. Wow. Well, yeah, hopefully, they get that passed down for you a little bit. Then I'll look at I will I'm sorry.\n\nI'll send you an email after the call if you like. If you wanna send me a statement, I can have a look at the difference in the mortgage for you. I I also did just pull up a report for you real quick as well. So your portfolio over the last twelve months has returned at 8.65%. That's a return for growth and income of over 9,002 September, so an eight percent return.\n\nSo even without contributions, there is a possibility you can still get great returns and compounding out of your super. So it can be done. Yeah. So it can definitely be done, but it's also gotta be something that you're comfortable with. So feel free to have it read to the document.\n\nLet me know if you have any additional questions. If you're happy to take it on board and wanna suddenly go through the switch and take the advice, I'll get you to sign and return it back. In the meantime, if you send me a statement, and I'll send you an email after the call as well, And I can go back and just do some additional research there for you, and I can send you a a comparison on what it might look like if you paid this money off the mortgage and what kind of interest you might save just so you can see the difference there. Okay? Yeah.\n\nOh, good. I have got something back at this high sign. That's okay. Look. We'll make the changes for you anyway.\n\nAnd then if you ever decide you if you decide you wanna pull it out, let me know. You've got me here. You can use me to your full advantage. I can do as much research as you want, and we can talk about all the options that are viable to you as well. Okay?\n\nOh, you too. Anytime, Yvonne. Thank you so much. Have a really great week. I'll talk to you soon.\n\nThanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Yvonne.","start":4.56,"end":5.2,"sentiment":"neutral","sentiment_score":0.1622016280889511},{"text":"This is Dana from OQ Financial.","start":5.2,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.19097213943799338},{"text":"How are you?","start":7.2,"end":8.1,"sentiment":"neutral","sentiment_score":0.20231089989344278},{"text":"I'm very well.","start":9.92,"end":10.96,"sentiment":"positive","sentiment_score":0.6196315685907999},{"text":"Thank you.","start":10.96,"end":11.7,"sentiment":"positive","sentiment_score":0.7035733759403229}],"sentiment":"positive","sentiment_score":0.3339506406337023,"num_words":16,"start":4.56,"end":11.7},{"sentences":[{"text":"I had your staff and Peter both booked in to go through your updated advice document.","start":11.84,"end":15.915,"sentiment":"neutral","sentiment_score":0.32540578208863735},{"text":"Is now still a good time for you?","start":15.915,"end":17.855,"sentiment":"neutral","sentiment_score":0.2597420383244753},{"text":"Yep.","start":19.435,"end":19.935,"sentiment":"neutral","sentiment_score":0.25367337465286255},{"text":"Beautiful.","start":19.995,"end":20.495,"sentiment":"positive","sentiment_score":0.5380125641822815},{"text":"Beautiful.","start":20.635,"end":21.135,"sentiment":"positive","sentiment_score":0.5162305235862732}],"sentiment":"neutral","sentiment_score":0.318235010460571,"num_words":27,"start":11.84,"end":21.135},{"sentences":[{"text":"I'm gonna send you an email.","start":21.355,"end":23.115,"sentiment":"neutral","sentiment_score":0.18289769689242044},{"text":"Is either of you or both of you able to jump into your emails and view the document at all?","start":23.115,"end":28.53,"sentiment":"neutral","sentiment_score":0.09991587866097688},{"text":"Yeah.","start":31.17,"end":31.490002,"sentiment":"neutral","sentiment_score":0.08854590356349945},{"text":"That's absolutely fine.","start":31.490002,"end":32.77,"sentiment":"neutral","sentiment_score":0.32114772995313007},{"text":"Not a problem at all.","start":32.77,"end":34.23,"sentiment":"neutral","sentiment_score":0.2630796849727631}],"sentiment":"neutral","sentiment_score":0.15608832208173615,"num_words":35,"start":21.355,"end":34.23},{"sentences":[{"text":"All good.","start":34.690002,"end":35.170002,"sentiment":"neutral","sentiment_score":0.28490282595157623},{"text":"And is Peter there with you as well?","start":35.170002,"end":37.190002,"sentiment":"neutral","sentiment_score":0.07882596179842949},{"text":"Beautiful.","start":39.65,"end":40.15,"sentiment":"positive","sentiment_score":0.4483478963375091},{"text":"Beautiful.","start":40.21,"end":40.71,"sentiment":"positive","sentiment_score":0.5091939568519592},{"text":"Excellent.","start":41.010002,"end":41.510002,"sentiment":"positive","sentiment_score":0.5051398277282715}],"sentiment":"neutral","sentiment_score":0.20485346363140985,"num_words":13,"start":34.690002,"end":41.510002},{"sentences":[{"text":"How have you both been?","start":41.65,"end":42.77,"sentiment":"neutral","sentiment_score":0.3077966272830963},{"text":"How's your day going?","start":42.77,"end":44.07,"sentiment":"neutral","sentiment_score":0.19943176209926605},{"text":"You're right.","start":48.575,"end":49.395,"sentiment":"neutral","sentiment_score":-0.029691461473703384},{"text":"Oh, it's is one of your pet, is it?","start":59.88,"end":62.22,"sentiment":"neutral","sentiment_score":-0.044194551184773445},{"text":"I bet.","start":65.64,"end":66.46,"sentiment":"neutral","sentiment_score":-0.1881398856639862}],"sentiment":"neutral","sentiment_score":0.06833166044882753,"num_words":22,"start":41.65,"end":66.46},{"sentences":[{"text":"I bet.","start":66.6,"end":67.340004,"sentiment":"neutral","sentiment_score":-0.08893606066703796},{"text":"Yep.","start":70.28,"end":70.78,"sentiment":"neutral","sentiment_score":0.02197417244315147},{"text":"All good.","start":71.0,"end":71.740005,"sentiment":"neutral","sentiment_score":0.06967523321509361},{"text":"Got that one.","start":74.875,"end":75.755,"sentiment":"neutral","sentiment_score":0.0875542809565862},{"text":"Beautiful.","start":75.755,"end":76.255,"sentiment":"neutral","sentiment_score":0.3028598427772522}],"sentiment":"neutral","sentiment_score":0.06099724479847484,"num_words":9,"start":66.6,"end":76.255},{"sentences":[{"text":"Beautiful.","start":76.475,"end":76.954994,"sentiment":"neutral","sentiment_score":0.2561560273170471},{"text":"Now before I jump in and go through this with you, just to let you know, we do record our calls for quality and training purposes.","start":76.954994,"end":82.494995,"sentiment":"neutral","sentiment_score":0.058501653086680636},{"text":"Are you both happy for me to proceed with that?","start":82.555,"end":85.055,"sentiment":"neutral","sentiment_score":0.08242245055735112},{"text":"Lovely.","start":86.75,"end":87.15,"sentiment":"neutral","sentiment_score":0.23641452193260193},{"text":"And just to do security, just the phone of you is fine.","start":87.15,"end":89.79,"sentiment":"neutral","sentiment_score":0.09587771942218144}],"sentiment":"neutral","sentiment_score":0.07976741336286068,"num_words":50,"start":76.475,"end":89.79},{"sentences":[{"text":"If I just get you, Yvonne, just to confirm your date of birth and address for me?","start":89.79,"end":93.810005,"sentiment":"neutral","sentiment_score":0.06756915699909716},{"text":"Yep.","start":96.75,"end":97.25,"sentiment":"neutral","sentiment_score":0.027634982019662857},{"text":"Oh, beautiful.","start":99.615,"end":100.275,"sentiment":"neutral","sentiment_score":0.23052453994750977},{"text":"Thank you so much for that.","start":100.335,"end":102.035,"sentiment":"positive","sentiment_score":0.466929093003273},{"text":"So with regards to the advice there, as you open it up, the first page does let you know, has been prepared for both of yourselves as sorry.","start":102.895,"end":111.695,"sentiment":"neutral","sentiment_score":-0.08201469853520393}],"sentiment":"neutral","sentiment_score":0.03967634685061596,"num_words":54,"start":89.79,"end":111.695},{"sentences":[{"text":"By myself and my lovely team here, my authorized representative number is 1304394.","start":111.695,"end":118.24,"sentiment":"neutral","sentiment_score":0.022062338745364778},{"text":"All advice that we're going through is provided under the best interest duty there, essentially, with this advice document.","start":119.74,"end":126.14,"sentiment":"neutral","sentiment_score":0.10099745973160393},{"text":"We did the annual review last year, and I apologize for taking a little bit long to get this one out to you.","start":126.14,"end":131.265,"sentiment":"neutral","sentiment_score":-0.02115735120099524},{"text":"But we were just looking at making sure that you were on track, looking at, you know, where you were going retirement wise.","start":131.34499,"end":136.625,"sentiment":"neutral","sentiment_score":0.12482786777874698},{"text":"You both made mention that you were both looking to retire, hopefully, in the next ten years.","start":136.625,"end":142.64499,"sentiment":"neutral","sentiment_score":0.0720704964855138}],"sentiment":"neutral","sentiment_score":0.06121455221191833,"num_words":95,"start":111.695,"end":142.64499},{"sentences":[{"text":"And, Katie, you're back at work now.","start":142.94499,"end":144.545,"sentiment":"neutral","sentiment_score":0.08312447688409261},{"text":"You've got a new job.","start":144.545,"end":145.84499,"sentiment":"neutral","sentiment_score":0.06446599960327148},{"text":"Fantastic.","start":147.87999,"end":148.37999,"sentiment":"positive","sentiment_score":0.6798627376556396},{"text":"Michelle made mention that you off the twenty one days, you'll be working for this stint.","start":148.84,"end":153.73999,"sentiment":"neutral","sentiment_score":0.22022396884858608},{"text":"Wow.","start":155.48,"end":155.98,"sentiment":"neutral","sentiment_score":0.11465640366077424}],"sentiment":"neutral","sentiment_score":0.17407679930329323,"num_words":30,"start":142.94499,"end":155.98},{"sentences":[{"text":"Yeah.","start":157.4,"end":157.71999,"sentiment":"neutral","sentiment_score":0.034369125962257385},{"text":"Wow.","start":157.71999,"end":158.12,"sentiment":"neutral","sentiment_score":0.026118259876966476},{"text":"That's a, yeah, that's a long stint, isn't it?","start":158.12,"end":161.705,"sentiment":"neutral","sentiment_score":0.00009090893177522573},{"text":"No.","start":165.525,"end":166.025,"sentiment":"neutral","sentiment_score":-0.06390263885259628},{"text":"Absolutely.","start":166.165,"end":166.665,"sentiment":"neutral","sentiment_score":-0.021057728677988052}],"sentiment":"neutral","sentiment_score":-0.001819600100414111,"num_words":13,"start":157.4,"end":166.665},{"sentences":[{"text":"That's okay.","start":173.9,"end":174.54,"sentiment":"neutral","sentiment_score":0.025466295890510082},{"text":"The email I had for both of you was the same email address.","start":174.54,"end":177.98,"sentiment":"neutral","sentiment_score":0.012714510998473717},{"text":"I've got peter.wooderson1@bigpond.com down for both of you on file.","start":177.98,"end":182.54,"sentiment":"neutral","sentiment_score":0.015359790436923504},{"text":"So it's gone through to the same email.","start":182.54,"end":184.72,"sentiment":"neutral","sentiment_score":0.010691782692447305},{"text":"Yep.","start":186.445,"end":186.945,"sentiment":"neutral","sentiment_score":0.09781350195407867}],"sentiment":"neutral","sentiment_score":0.016269614783060903,"num_words":34,"start":173.9,"end":186.945},{"sentences":[{"text":"Yeah.","start":188.445,"end":188.945,"sentiment":"neutral","sentiment_score":0.09408236294984818},{"text":"That's okay.","start":189.325,"end":190.225,"sentiment":"neutral","sentiment_score":0.09581342339515686},{"text":"When you go into the email inbox, there'll be two individual invitations.","start":191.005,"end":194.785,"sentiment":"neutral","sentiment_score":0.05057687203710278},{"text":"It's all good, honestly.","start":202.18001,"end":203.72,"sentiment":"positive","sentiment_score":0.6453753113746643},{"text":"It's so good to talk to you both again.","start":203.78,"end":205.54001,"sentiment":"positive","sentiment_score":0.748563375737932}],"sentiment":"positive","sentiment_score":0.3646858321901943,"num_words":28,"start":188.445,"end":205.54001},{"sentences":[{"text":"I've missed having a little chat.","start":205.54001,"end":207.32,"sentiment":"neutral","sentiment_score":0.16694287955760956},{"text":"So what I did was I went back after the review last year.","start":210.34,"end":213.06,"sentiment":"neutral","sentiment_score":0.11981893903934039},{"text":"We had a bit of a look at everything with you, Super.","start":213.06,"end":215.48001,"sentiment":"neutral","sentiment_score":0.23038836320241293},{"text":"I am making a recommendation to make a couple of changes.","start":215.7,"end":218.675,"sentiment":"neutral","sentiment_score":0.17288718033920636},{"text":"This year, especially, we have seen some changes in the market conditions.","start":219.135,"end":222.75499,"sentiment":"neutral","sentiment_score":0.06600418717910846}],"sentiment":"neutral","sentiment_score":0.14847727913271497,"num_words":54,"start":205.54001,"end":222.75499},{"sentences":[{"text":"So it did mean that we wanted to update some of your investment options.","start":222.97499,"end":226.995,"sentiment":"neutral","sentiment_score":0.08613589033484459},{"text":"I've done that for you, and this is essentially outlining that, and then we are working towards being able to retire.","start":227.855,"end":234.54,"sentiment":"positive","sentiment_score":0.33430444200833637},{"text":"You guys mentioned in the next ten years, if anything changes, we can always look at this.","start":234.76,"end":239.31999,"sentiment":"neutral","sentiment_score":0.13450665114557042},{"text":"But I wanted to, as part of this document, kind of show you where we're tracking for, not just for the projection table, but just sort of showing you where you might be tracking for in retirement, how long Susan might be expected to last with the draw downs and things like that.","start":239.31999,"end":253.20499,"sentiment":"neutral","sentiment_score":0.1356516512075685},{"text":"So I put a little bit more into this for you.","start":253.20499,"end":255.525,"sentiment":"neutral","sentiment_score":0.1632704883813858}],"sentiment":"neutral","sentiment_score":0.1680898422632238,"num_words":116,"start":222.97499,"end":255.525},{"sentences":[{"text":"Okay?","start":255.525,"end":256.025,"sentiment":"neutral","sentiment_score":0.056764934211969376},{"text":"You're right.","start":260.16,"end":260.98,"sentiment":"neutral","sentiment_score":0.049871645867824554},{"text":"It's okay.","start":271.645,"end":272.205,"sentiment":"neutral","sentiment_score":0.08182422071695328},{"text":"One of them should be for one should say Peter, one should say Yvonne.","start":272.205,"end":276.22498,"sentiment":"neutral","sentiment_score":0.039638040853398185},{"text":"On the same email.","start":279.88498,"end":280.925,"sentiment":"neutral","sentiment_score":0.027342859655618668}],"sentiment":"neutral","sentiment_score":0.04280263817180758,"num_words":23,"start":255.525,"end":280.925},{"sentences":[{"text":"Yeah.","start":280.925,"end":281.16498,"sentiment":"neutral","sentiment_score":0.027341719716787335},{"text":"Because on file, the last time we updated the details, you just wanted needed to use the same email address.","start":281.16498,"end":287.22998,"sentiment":"neutral","sentiment_score":0.01576844514347613},{"text":"So we have the same email address on file, so that's okay.","start":287.22998,"end":290.44998,"sentiment":"neutral","sentiment_score":0.01493283873423934},{"text":"Oh, that's okay.","start":293.55,"end":294.37,"sentiment":"neutral","sentiment_score":-0.15462279319763184},{"text":"Oh, that's email if we could get around it, it'd be great.","start":296.50998,"end":302.285,"sentiment":"negative","sentiment_score":-0.33472032099962234}],"sentiment":"neutral","sentiment_score":-0.08247099050398295,"num_words":48,"start":280.925,"end":302.285},{"sentences":[{"text":"When the technology can be a pain when it don't work.","start":302.285,"end":304.785,"sentiment":"negative","sentiment_score":-0.44154194268313324},{"text":"No.","start":306.845,"end":307.165,"sentiment":"neutral","sentiment_score":-0.0632653534412384},{"text":"That's honestly okay.","start":307.165,"end":308.70502,"sentiment":"neutral","sentiment_score":0.0911972348888715},{"text":"It's not a problem at all.","start":308.765,"end":310.14,"sentiment":"neutral","sentiment_score":0.3123686909675598},{"text":"To make this a bit easier, there is quite a lot of pages there, but I'll just sort of make it a bit easier for you both.","start":310.46002,"end":315.58002,"sentiment":"neutral","sentiment_score":0.14482504860670478}],"sentiment":"neutral","sentiment_score":0.02370527999786039,"num_words":48,"start":302.285,"end":315.58002},{"sentences":[{"text":"If I can get you to go down to page number 20 for me, I'll just take you through what these recommendations are, and then I'll show you why I've made them this way for you.","start":315.58002,"end":325.36002,"sentiment":"neutral","sentiment_score":0.24369083407024542},{"text":"Perfect.","start":327.855,"end":328.355,"sentiment":"positive","sentiment_score":0.705637514591217},{"text":"Now, Peter, you are still a high growth investor, so we're still looking at the high growth portfolio for yourself there.","start":328.975,"end":335.23502,"sentiment":"neutral","sentiment_score":0.31089813936324345},{"text":"But as I kinda made mention, I've had a bit of a look at your investments, done a bit of looking around and seeing how things are structured for you, and I am making a bit of a recommendation that we make a change to these.","start":335.45502,"end":346.63,"sentiment":"neutral","sentiment_score":0.1357109214624633},{"text":"So you both have been along Australian equities inside your inside your papers the last couple of years, and then along long term has been a great investment.","start":346.63,"end":356.25,"sentiment":"neutral","sentiment_score":0.15528392059994595}],"sentiment":"neutral","sentiment_score":0.2015001563016664,"num_words":132,"start":315.58002,"end":356.25},{"sentences":[{"text":"But since January, it's actually been underperforming pretty significantly.","start":356.39,"end":361.205,"sentiment":"neutral","sentiment_score":-0.26153306745820576},{"text":"So we went so we went back and we spoke to Servi and Bart and sort of said, look.","start":361.585,"end":368.305,"sentiment":"neutral","sentiment_score":-0.11165948133719594},{"text":"This isn't working.","start":368.305,"end":369.345,"sentiment":"negative","sentiment_score":-0.41615785161654156},{"text":"We need to find something else.","start":369.345,"end":371.55002,"sentiment":"negative","sentiment_score":-0.35167766610781354},{"text":"So we've done a bit of research around what to alter and to how to move that investment.","start":371.61002,"end":376.43002,"sentiment":"neutral","sentiment_score":-0.06699527758691046}],"sentiment":"neutral","sentiment_score":-0.16435967819257216,"num_words":55,"start":356.39,"end":376.43002},{"sentences":[{"text":"So we're gonna sell that for both of your portfolios, and we're moving the funds out of Benelong Australian equities and into the a 200, which is the second one from the bottom there, the BetaShares Australian 200.","start":377.21002,"end":389.385,"sentiment":"neutral","sentiment_score":0.12383357611925978},{"text":"Now this investment yeah.","start":389.845,"end":391.76498,"sentiment":"neutral","sentiment_score":0.03122582845389843},{"text":"Sorry.","start":391.76498,"end":392.26498,"sentiment":"neutral","sentiment_score":-0.03682630881667137},{"text":"Page 20.","start":395.94,"end":397.0,"sentiment":"neutral","sentiment_score":-0.004953751573339105},{"text":"Sorry.","start":397.30002,"end":397.7,"sentiment":"neutral","sentiment_score":-0.031144708395004272}],"sentiment":"neutral","sentiment_score":0.10331958013019808,"num_words":46,"start":377.21002,"end":397.7},{"sentences":[{"text":"You're right.","start":397.7,"end":398.42,"sentiment":"neutral","sentiment_score":-0.03792971186339855},{"text":"Tell me if I need and it goes slower for you, Peter.","start":398.42,"end":401.32,"sentiment":"neutral","sentiment_score":-0.06604862585663795},{"text":"Yeah.","start":403.46002,"end":403.96002,"sentiment":"neutral","sentiment_score":0.005616507027298212},{"text":"That's the one.","start":404.26,"end":405.14,"sentiment":"neutral","sentiment_score":0.009887489179770151},{"text":"Yeah.","start":405.14,"end":405.64,"sentiment":"neutral","sentiment_score":0.023308556526899334}],"sentiment":"neutral","sentiment_score":-0.042623968574365505,"num_words":19,"start":397.7,"end":405.64},{"sentences":[{"text":"So we're gonna sell all of the Bannalong Australian equities.","start":406.26,"end":409.38,"sentiment":"neutral","sentiment_score":0.02122625248739496},{"text":"Now Bannalong is a managed fund, and the reason it was in everyone's portfolios back in the day was that it was more of an actively managed component.","start":409.38,"end":416.95502,"sentiment":"neutral","sentiment_score":0.038658745986010344},{"text":"So the investment committee of that managed fund are supposed to be buying and selling and trying to outperform against the market.","start":417.015,"end":424.05502,"sentiment":"neutral","sentiment_score":0.03467733006585728},{"text":"And as everyone sort of noticed, they have not been.","start":424.05502,"end":426.795,"sentiment":"neutral","sentiment_score":-0.14260918647050858},{"text":"We flagged it as soon as we started this year, and we're like, we have to get this out.","start":427.06998,"end":430.83,"sentiment":"neutral","sentiment_score":-0.07181938845468194}],"sentiment":"neutral","sentiment_score":-0.00823653451025779,"num_words":89,"start":406.26,"end":430.83},{"sentences":[{"text":"So we've been going to doing advice to everyone to try and alter the portfolio, but making sure we're investigating what's important to you guys as per your goals.","start":430.83,"end":440.61,"sentiment":"neutral","sentiment_score":0.04885509924898888},{"text":"Yeah.","start":445.195,"end":445.595,"sentiment":"neutral","sentiment_score":0.13991233706474304},{"text":"So this is actually selling it.","start":445.595,"end":447.275,"sentiment":"neutral","sentiment_score":0.17044224590063095},{"text":"So this says that you've got $64,007.46 in that Bennelong Equities investment, and we're gonna sell all of that, sell it all down.","start":447.275,"end":456.89502,"sentiment":"neutral","sentiment_score":0.17805782219637994},{"text":"Bennelong normally has about 25 to 30 different investments in it.","start":457.34998,"end":461.34998,"sentiment":"neutral","sentiment_score":0.13288072496652603}],"sentiment":"neutral","sentiment_score":0.11623402251196759,"num_words":70,"start":430.83,"end":461.34998},{"sentences":[{"text":"So by moving the money into the beta shares Australian 200, you're actually tracking the top 200 companies in Australia.","start":461.34998,"end":468.65,"sentiment":"neutral","sentiment_score":0.29462613686919215},{"text":"And because Benelong only has between 20 to 30 different investments at any one particular time, moving into the a 200 gives you more diversification in your portfolio.","start":469.205,"end":478.745,"sentiment":"neutral","sentiment_score":0.32342042082122396},{"text":"So it's helping to lower the overall risk.","start":478.805,"end":481.145,"sentiment":"positive","sentiment_score":0.542518999427557},{"text":"We're diversifying across more Australian equities as well, and it's actually cheaper.","start":481.56,"end":486.44,"sentiment":"positive","sentiment_score":0.6100243926048279},{"text":"It's a passively managed fund, and it's actually cheaper than holding Benelon.","start":486.44,"end":490.22,"sentiment":"positive","sentiment_score":0.5277411043643951}],"sentiment":"positive","sentiment_score":0.4117704059928656,"num_words":80,"start":461.34998,"end":490.22},{"sentences":[{"text":"So it's gonna help in reducing your investment costs as well in your in your fund.","start":490.28,"end":494.86002,"sentiment":"positive","sentiment_score":0.4626454981043935},{"text":"Yeah.","start":495.145,"end":495.645,"sentiment":"neutral","sentiment_score":0.12329916656017303},{"text":"I did look at all the super funds.","start":496.905,"end":498.745,"sentiment":"neutral","sentiment_score":0.10749029833823442},{"text":"Netwealth is still really important to retain for the both of you for the time being.","start":498.745,"end":502.76498,"sentiment":"neutral","sentiment_score":0.15827297419309616},{"text":"I did I do look at the tax consequences of moving out.","start":503.06497,"end":506.66498,"sentiment":"neutral","sentiment_score":-0.03390156446645657}],"sentiment":"neutral","sentiment_score":0.19832261012129063,"num_words":53,"start":490.28,"end":506.66498},{"sentences":[{"text":"Netwealth is still a great platform.","start":506.66498,"end":508.365,"sentiment":"positive","sentiment_score":0.42664168775081635},{"text":"There's no real changes in the platform that require us to move you out at the moment, so I'm retaining Netwealth.","start":508.72998,"end":514.43,"sentiment":"neutral","sentiment_score":0.014226064085960388},{"text":"The other investments, gold has performed really, really well.","start":515.93,"end":519.21,"sentiment":"neutral","sentiment_score":0.13670465929640663},{"text":"So we are keeping gold, but we are just rebalancing a little bit for you there, Peter.","start":519.21,"end":524.66504,"sentiment":"neutral","sentiment_score":0.03826384531224475},{"text":"So you have about 7.58% now.","start":524.66504,"end":527.465,"sentiment":"neutral","sentiment_score":0.03480099017421404}],"sentiment":"neutral","sentiment_score":0.08386831724290121,"num_words":59,"start":506.66498,"end":527.465},{"sentences":[{"text":"I'm gonna sell down a little bit just to 7%.","start":527.465,"end":530.28503,"sentiment":"neutral","sentiment_score":-0.045850927382707594},{"text":"We're just cementing some of the gains that's received and making sure we distribute those elsewhere, keeping, you know, rebalancing your portfolio as well is really important.","start":530.66504,"end":539.72003,"sentiment":"positive","sentiment_score":0.33426638278696275},{"text":"The BetaShares cybersecurity, we're gonna buy a bit more of that.","start":541.3,"end":544.58,"sentiment":"neutral","sentiment_score":0.11744367737661708},{"text":"You've got 5.51 now.","start":544.58,"end":546.26,"sentiment":"neutral","sentiment_score":0.058226104360073805},{"text":"Just need to rebalance up to 6% for you.","start":546.26,"end":549.32,"sentiment":"neutral","sentiment_score":0.032118748045629926}],"sentiment":"neutral","sentiment_score":0.17017273217073228,"num_words":61,"start":527.465,"end":549.32},{"sentences":[{"text":"The iShares Europe is still a great place to be giving you diversification across the entire European all the European countries there.","start":549.84503,"end":558.245,"sentiment":"positive","sentiment_score":0.5982131158763712},{"text":"There's about 16 of them, I believe.","start":558.245,"end":560.10504,"sentiment":"neutral","sentiment_score":0.14580810495785304},{"text":"You're underweighted there, so that's gonna increase that to 9% for you.","start":560.72504,"end":564.905,"sentiment":"neutral","sentiment_score":0.10068391247962911},{"text":"We've also got here the the Misky Europe one.","start":565.55,"end":568.99,"sentiment":"neutral","sentiment_score":-0.003210045811202791},{"text":"We're gonna get rid of that completely.","start":568.99,"end":570.61,"sentiment":"neutral","sentiment_score":-0.05994131416082382}],"sentiment":"neutral","sentiment_score":0.26212408109322977,"num_words":57,"start":549.84503,"end":570.61},{"sentences":[{"text":"Yep.","start":570.91,"end":571.23,"sentiment":"neutral","sentiment_score":0.03318687528371811},{"text":"We're gonna sell all of that down to zero.","start":571.23,"end":573.57,"sentiment":"neutral","sentiment_score":0.007031146643890275},{"text":"And then the Japanese one, we're going to just sell a bit down to bring you back to 5% there.","start":574.11,"end":579.515,"sentiment":"neutral","sentiment_score":0.03799581313505769},{"text":"Japan is still really important.","start":579.515,"end":581.11505,"sentiment":"neutral","sentiment_score":0.1315165638923645},{"text":"It's been really great.","start":581.11505,"end":582.49506,"sentiment":"positive","sentiment_score":0.41415321081876755}],"sentiment":"neutral","sentiment_score":0.0812969005260712,"num_words":39,"start":570.91,"end":582.49506},{"sentences":[{"text":"Yeah.","start":582.715,"end":583.215,"sentiment":"neutral","sentiment_score":0.01266869530081749},{"text":"Yeah.","start":586.23505,"end":586.73505,"sentiment":"neutral","sentiment_score":-0.06076874956488609},{"text":"So that yeah.","start":586.875,"end":589.03503,"sentiment":"neutral","sentiment_score":-0.025738952060540516},{"text":"Well, these haven't been sold yet.","start":589.03503,"end":590.955,"sentiment":"neutral","sentiment_score":-0.11041757961114247},{"text":"This is what we're going to do if you sign the advice.","start":590.955,"end":593.695,"sentiment":"neutral","sentiment_score":-0.02408009363959233}],"sentiment":"neutral","sentiment_score":-0.04681667442555013,"num_words":23,"start":582.715,"end":593.695},{"sentences":[{"text":"So we haven't quite done that as of yet.","start":593.755,"end":596.61005,"sentiment":"neutral","sentiment_score":-0.03315441724326876},{"text":"Yeah.","start":596.61005,"end":597.09,"sentiment":"neutral","sentiment_score":0.027714215219020844},{"text":"I I promise never to sell anything until you tell me it's okay to do so.","start":597.09,"end":601.51,"sentiment":"neutral","sentiment_score":-0.014771648566238582},{"text":"Yeah.","start":608.14496,"end":608.64496,"sentiment":"neutral","sentiment_score":-0.017110677435994148},{"text":"No.","start":608.70496,"end":608.94495,"sentiment":"neutral","sentiment_score":-0.056409381330013275}],"sentiment":"neutral","sentiment_score":-0.02073364199272224,"num_words":28,"start":593.755,"end":608.94495},{"sentences":[{"text":"No.","start":608.94495,"end":609.26495,"sentiment":"neutral","sentiment_score":-0.05505135655403137},{"text":"We needed to make some changes, and I wanted to make sure this happened for you.","start":609.26495,"end":613.105,"sentiment":"neutral","sentiment_score":0.03425278887152672},{"text":"So when we came back and saw what was going on, I wanted to make sure we updated this advice for you and show you what you know, make sure that things are working harder for you moving forward as well.","start":613.105,"end":623.91,"sentiment":"neutral","sentiment_score":0.07746351619319218},{"text":"Yeah.","start":623.97,"end":624.47,"sentiment":"neutral","sentiment_score":-0.003837011754512787},{"text":"Mhmm.","start":631.81,"end":632.31,"sentiment":"neutral","sentiment_score":-0.011216405779123306}],"sentiment":"neutral","sentiment_score":0.060899066862960656,"num_words":60,"start":608.94495,"end":632.31},{"sentences":[{"text":"Yeah.","start":636.78503,"end":637.10504,"sentiment":"neutral","sentiment_score":0.014077932573854923},{"text":"Yeah.","start":637.10504,"end":637.42505,"sentiment":"neutral","sentiment_score":0.044264793395996094},{"text":"Absolutely.","start":637.42505,"end":637.92505,"sentiment":"neutral","sentiment_score":0.0898163914680481},{"text":"Yep.","start":638.705,"end":639.185,"sentiment":"neutral","sentiment_score":0.06567201018333435},{"text":"Definitely.","start":639.185,"end":639.685,"sentiment":"neutral","sentiment_score":0.07339809834957123}],"sentiment":"neutral","sentiment_score":0.05744584519416094,"num_words":5,"start":636.78503,"end":639.685},{"sentences":[{"text":"Okay.","start":647.26,"end":647.76,"sentiment":"neutral","sentiment_score":0.026810135692358017},{"text":"Interesting.","start":648.94,"end":649.44,"sentiment":"neutral","sentiment_score":0.03094881772994995},{"text":"Mhmm.","start":651.9,"end":652.4,"sentiment":"neutral","sentiment_score":0.03410811722278595},{"text":"Yes.","start":654.78,"end":655.28,"sentiment":"neutral","sentiment_score":0.03851570934057236},{"text":"Yeah.","start":656.38,"end":656.7,"sentiment":"neutral","sentiment_score":0.24956002831459043}],"sentiment":"neutral","sentiment_score":0.07598856166005134,"num_words":5,"start":647.26,"end":656.7},{"sentences":[{"text":"Absolutely.","start":656.7,"end":657.2,"sentiment":"positive","sentiment_score":0.5554792881011963},{"text":"Yep.","start":660.935,"end":661.435,"sentiment":"positive","sentiment_score":0.3489943742752075},{"text":"Perfect.","start":661.495,"end":661.975,"sentiment":"positive","sentiment_score":0.6611884832382202},{"text":"Yeah.","start":661.975,"end":662.13495,"sentiment":"neutral","sentiment_score":0.31763648986816406},{"text":"If you can let me know how much you should have been paid, I can go through and have a look at all the transactions from the day we opened Netwealth, and I can let you know what you what you've gotten, what you might be missing, and kinda marry it all up for you.","start":662.13495,"end":675.1,"sentiment":"neutral","sentiment_score":0.1849692058156837}],"sentiment":"neutral","sentiment_score":0.20434923653127784,"num_words":59,"start":656.7,"end":675.1},{"sentences":[{"text":"Absolutely.","start":675.1,"end":675.6,"sentiment":"neutral","sentiment_score":0.22061258554458615},{"text":"Yeah.","start":676.06,"end":676.56,"sentiment":"neutral","sentiment_score":0.08101094514131546},{"text":"Yeah.","start":678.14,"end":678.54,"sentiment":"neutral","sentiment_score":0.20608708262443545},{"text":"Perfect.","start":678.54,"end":679.04,"sentiment":"positive","sentiment_score":0.4849680066108704},{"text":"All good.","start":679.26,"end":680.08,"sentiment":"positive","sentiment_score":0.4155338853597641}],"sentiment":"neutral","sentiment_score":0.3039577317734559,"num_words":6,"start":675.1,"end":680.08},{"sentences":[{"text":"Yes.","start":688.225,"end":688.725,"sentiment":"neutral","sentiment_score":0.008173532783985138},{"text":"It is.","start":699.36,"end":700.02,"sentiment":"neutral","sentiment_score":-0.03340763133019209},{"text":"Yeah.","start":700.64,"end":701.04,"sentiment":"neutral","sentiment_score":-0.03329784795641899},{"text":"Yeah.","start":701.04,"end":701.54,"sentiment":"neutral","sentiment_score":-0.04353945702314377},{"text":"Yeah.","start":703.92,"end":704.4,"sentiment":"neutral","sentiment_score":-0.013463584706187248}],"sentiment":"neutral","sentiment_score":-0.02482376992702484,"num_words":6,"start":688.225,"end":704.4},{"sentences":[{"text":"We can bank transfer that one.","start":704.4,"end":706.18,"sentiment":"neutral","sentiment_score":-0.006302182252208392},{"text":"Yeah.","start":708.32,"end":708.64,"sentiment":"neutral","sentiment_score":-0.04881126806139946},{"text":"No.","start":708.64,"end":708.96,"sentiment":"neutral","sentiment_score":-0.16742169857025146},{"text":"It it has been yeah, no.","start":708.96,"end":712.175,"sentiment":"neutral","sentiment_score":-0.1369119423131148},{"text":"It has been very, very up and down.","start":712.175,"end":714.015,"sentiment":"neutral","sentiment_score":-0.316190242767334}],"sentiment":"neutral","sentiment_score":-0.16386543891646646,"num_words":22,"start":704.4,"end":714.015},{"sentences":[{"text":"It's a little bit scary that one man has can do so little and or make one tweet and most and people start to sell and freak out about what's happening in the markets there.","start":714.015,"end":724.975,"sentiment":"neutral","sentiment_score":-0.2796156078577042},{"text":"So it's a little bit scary.","start":724.975,"end":726.83496,"sentiment":"neutral","sentiment_score":-0.09385569641987483},{"text":"No.","start":733.42,"end":733.92,"sentiment":"neutral","sentiment_score":-0.027937278151512143},{"text":"Yes.","start":735.66,"end":736.16,"sentiment":"neutral","sentiment_score":0.02992374822497368},{"text":"I know.","start":736.3,"end":736.7,"sentiment":"neutral","sentiment_score":0.012030316516757011}],"sentiment":"neutral","sentiment_score":-0.22941407445404266,"num_words":45,"start":714.015,"end":736.7},{"sentences":[{"text":"We saw that.","start":736.7,"end":737.34,"sentiment":"neutral","sentiment_score":0.02267466423412164},{"text":"We were like, woah.","start":737.34,"end":738.22,"sentiment":"neutral","sentiment_score":0.07195005379617214},{"text":"That was a clever move.","start":738.22,"end":739.68,"sentiment":"neutral","sentiment_score":0.3258054077625275},{"text":"Jeez.","start":740.06,"end":740.56,"sentiment":"neutral","sentiment_score":0.029164984822273254},{"text":"Oh, absolutely.","start":742.835,"end":743.495,"sentiment":"neutral","sentiment_score":-0.048874035477638245}],"sentiment":"neutral","sentiment_score":0.12775121070444584,"num_words":15,"start":736.7,"end":743.495},{"sentences":[{"text":"There's another thing I've noticed as well because I've been doing a lot of research for clients around the oil side of things.","start":744.35504,"end":750.115,"sentiment":"neutral","sentiment_score":0.031053107960716538},{"text":"But when you look at, like, where a lot of the ships are coming from at the moment, a lot of them are coming from The US.","start":750.115,"end":756.53503,"sentiment":"neutral","sentiment_score":-0.008241050807690178},{"text":"So it's kind of a little bit clever.","start":758.29,"end":761.02997,"sentiment":"neutral","sentiment_score":0.027121722232550383},{"text":"It's annoying, but very clever that, you know, this has happened, and where do we have to go to buy oil?","start":761.17,"end":766.94995,"sentiment":"neutral","sentiment_score":-0.016984366412673677},{"text":"The US.","start":767.00995,"end":767.75,"sentiment":"neutral","sentiment_score":0.0280381478369236}],"sentiment":"neutral","sentiment_score":0.005038166545147513,"num_words":81,"start":744.35504,"end":767.75},{"sentences":[{"text":"Correct.","start":772.37,"end":772.87,"sentiment":"neutral","sentiment_score":0.3038191795349121},{"text":"Correct.","start":774.34503,"end":774.84503,"sentiment":"neutral","sentiment_score":0.16055089235305786},{"text":"Yep.","start":775.145,"end":775.645,"sentiment":"neutral","sentiment_score":0.07717274129390717},{"text":"Yep.","start":776.025,"end":776.525,"sentiment":"neutral","sentiment_score":0.06663762778043747},{"text":"So we'll have to wait and see what happens.","start":776.66504,"end":778.685,"sentiment":"neutral","sentiment_score":-0.01698588507456912}],"sentiment":"neutral","sentiment_score":0.035023651945476346,"num_words":13,"start":772.37,"end":778.685},{"sentences":[{"text":"But, yeah, no.","start":779.305,"end":780.025,"sentiment":"neutral","sentiment_score":-0.07629196345806122},{"text":"Look.","start":780.025,"end":780.185,"sentiment":"neutral","sentiment_score":-0.08063563704490662},{"text":"Things have been very, very up and down within markets.","start":780.185,"end":783.005,"sentiment":"neutral","sentiment_score":-0.18802517652511597},{"text":"I think March was probably the biggest drop that we've seen this year so far.","start":783.145,"end":787.565,"sentiment":"neutral","sentiment_score":-0.24478046496709188},{"text":"But we have also seen some sort of recovery from it as well.","start":787.92,"end":791.27997,"sentiment":"neutral","sentiment_score":0.17134943489844984}],"sentiment":"neutral","sentiment_score":-0.08652208603563763,"num_words":42,"start":779.305,"end":791.27997},{"sentences":[{"text":"So we thought while the market is moving the way it is at the moment, let's take advantage of that.","start":791.27997,"end":796.96,"sentiment":"neutral","sentiment_score":0.12641545496881007},{"text":"We'll do, you know, the investment switches for you guys now.","start":796.96,"end":800.96,"sentiment":"neutral","sentiment_score":0.21039423888379877},{"text":"That way, you know, where the gains that have been made from some of the investments will be redistributing those across.","start":800.96,"end":808.025,"sentiment":"neutral","sentiment_score":0.23409561458088102},{"text":"And then while the market is seeing some downtime, we're buying into some of those investments at a discounted rate.","start":808.025,"end":813.54504,"sentiment":"neutral","sentiment_score":0.10582789536565543},{"text":"So we can take a bit of an advantage of those downtimes, and then just keep monitoring things moving forward and let you know when we need to make updates and changes for you both as well.","start":813.54504,"end":824.10004,"sentiment":"neutral","sentiment_score":0.22771590464823954}],"sentiment":"neutral","sentiment_score":0.18624495424398588,"num_words":109,"start":791.27997,"end":824.10004},{"sentences":[{"text":"Okay?","start":824.32,"end":824.82,"sentiment":"neutral","sentiment_score":0.04826878756284714},{"text":"All good.","start":826.385,"end":826.785,"sentiment":"neutral","sentiment_score":0.22234302014112473},{"text":"But I can safely tell you I have been watching it very, very closely.","start":826.785,"end":830.305,"sentiment":"neutral","sentiment_score":0.08569082378276757},{"text":"And if there was anything really scary I think we needed to get out of the market, I'd definitely let you guys know.","start":830.305,"end":835.585,"sentiment":"neutral","sentiment_score":-0.17805492521628088},{"text":"But right now, it's the biggest dips haven't been massive.","start":835.585,"end":839.185,"sentiment":"neutral","sentiment_score":-0.25746375471353533}],"sentiment":"neutral","sentiment_score":-0.09954548932611942,"num_words":50,"start":824.32,"end":839.185},{"sentences":[{"text":"They're being maybe three, four, 5%, so nothing really, really scary as of yet.","start":839.185,"end":844.64996,"sentiment":"neutral","sentiment_score":-0.13019386466060365},{"text":"So yeah.","start":844.70996,"end":845.69,"sentiment":"neutral","sentiment_score":0.08701551333069801},{"text":"All good.","start":846.47,"end":847.20996,"sentiment":"neutral","sentiment_score":0.2462390661239624},{"text":"But with this one here, Peter, the only other changes are you've got some s and p 500.","start":847.99,"end":852.39,"sentiment":"neutral","sentiment_score":0.03800900067047527},{"text":"So we're rebalancing that, keeping in that one.","start":852.39,"end":855.61,"sentiment":"neutral","sentiment_score":0.10301940329372883}],"sentiment":"neutral","sentiment_score":0.00800255209271034,"num_words":44,"start":839.185,"end":855.61},{"sentences":[{"text":"I know it is a US investment, and there are some people who are a bit skeptical about The US investments, but it is still a great place to be.","start":855.615,"end":862.415,"sentiment":"neutral","sentiment_score":0.16446790477881829},{"text":"And especially with what Trump is doing now, it's benefiting The US, so it's still good to be invested in that.","start":862.415,"end":869.31,"sentiment":"positive","sentiment_score":0.49287003420648123},{"text":"The thing I like about the S and P 500 is that it is the top 500 companies in The US, and it tracks the S and P 500 index.","start":869.39,"end":878.13,"sentiment":"neutral","sentiment_score":0.14008118063211442},{"text":"The investment committee for the index actually do meet every quarter, and they essentially assess the companies in the index.","start":878.75,"end":887.01495,"sentiment":"neutral","sentiment_score":0.10067312996834517},{"text":"So if a company isn't doesn't meet the criteria to be in the top 500, they are removed out, and others are put in their place.","start":887.01495,"end":895.01495,"sentiment":"neutral","sentiment_score":-0.024346295887461074}],"sentiment":"neutral","sentiment_score":0.1643086786374567,"num_words":127,"start":855.615,"end":895.01495},{"sentences":[{"text":"So you are always tracking the top 500 companies, and that way you're not in companies that are underperforming against the market and don't meet that criteria.","start":895.01495,"end":903.23,"sentiment":"neutral","sentiment_score":-0.072881485025088},{"text":"Okay?","start":903.93,"end":904.43,"sentiment":"neutral","sentiment_score":0.02784787490963936},{"text":"Yeah.","start":905.29,"end":905.79,"sentiment":"neutral","sentiment_score":0.08030389249324799},{"text":"A bit more diversification with the Vanguard All World Index, excluding The US because we have the S and P 500 there, making sure that we're diversifying your portfolio because you guys are about ten years out, but you are closer to time at years.","start":906.81,"end":921.535,"sentiment":"neutral","sentiment_score":0.15407399750418133},{"text":"Diversification to help lower the risk of making sure we're hitting as many markets as we can for you.","start":922.235,"end":928.68005,"sentiment":"neutral","sentiment_score":0.23710799530932777}],"sentiment":"neutral","sentiment_score":0.10299713408914946,"num_words":93,"start":895.01495,"end":928.68005},{"sentences":[{"text":"And try to keep the investments a bit more passive, low cost so things are working for you, but you don't wanna be paying everything out in investment fees as well.","start":928.98004,"end":937.06,"sentiment":"neutral","sentiment_score":0.22871817047557524},{"text":"So this is a really good portfolio for getting closer to those retirement years.","start":937.06,"end":941.72003,"sentiment":"positive","sentiment_score":0.3945282867976597},{"text":"The beta shares a 200, which is the top 200 companies on the ASX, and then we've got core composite bonds.","start":943.115,"end":949.995,"sentiment":"neutral","sentiment_score":0.20186476622309005},{"text":"These are defensive investments.","start":949.995,"end":951.535,"sentiment":"neutral","sentiment_score":0.15248725935816765},{"text":"The core composite bonds are government as well as banking bonds and company bonds.","start":952.155,"end":956.79,"sentiment":"neutral","sentiment_score":0.17917766741343907}],"sentiment":"neutral","sentiment_score":0.23775304490256877,"num_words":84,"start":928.98004,"end":956.79},{"sentences":[{"text":"Inside this investment, we also have things like credit notes, and it's not just Australian bonds.","start":956.85,"end":962.45,"sentiment":"neutral","sentiment_score":0.18728573340922594},{"text":"It's also worldwide as well.","start":962.45,"end":964.05,"sentiment":"neutral","sentiment_score":0.26000350117683413},{"text":"So it's giving you diversification, low risk, and these sorts of investments pay out dividends on a monthly basis so they can help with the income producing in your portfolio as well.","start":964.05,"end":974.855,"sentiment":"positive","sentiment_score":0.37969165574759245},{"text":"Okay.","start":975.15497,"end":975.65497,"sentiment":"neutral","sentiment_score":0.10696079581975936},{"text":"Excellent.","start":976.915,"end":977.415,"sentiment":"positive","sentiment_score":0.6565471887588501}],"sentiment":"neutral","sentiment_score":0.312913276526061,"num_words":55,"start":956.85,"end":977.415},{"sentences":[{"text":"Yeah.","start":983.51,"end":984.01,"sentiment":"neutral","sentiment_score":0.25012415647506714},{"text":"No.","start":989.67,"end":989.91003,"sentiment":"neutral","sentiment_score":-0.1432255357503891},{"text":"You've at the moment, the current waiting is zero, so you don't have that as of yet.","start":989.91003,"end":994.73004,"sentiment":"neutral","sentiment_score":-0.16342724728233674},{"text":"We're gonna, yeah, we're adding that in for you.","start":994.79004,"end":997.895,"sentiment":"neutral","sentiment_score":0.1462477602892452},{"text":"Yeah.","start":997.895,"end":998.395,"sentiment":"neutral","sentiment_score":0.08228834718465805}],"sentiment":"neutral","sentiment_score":-0.043891254940937305,"num_words":29,"start":983.51,"end":998.395},{"sentences":[{"text":"Yep.","start":999.655,"end":1000.155,"sentiment":"neutral","sentiment_score":0.10741107165813446},{"text":"Yeah.","start":1000.695,"end":1001.195,"sentiment":"neutral","sentiment_score":0.14477130770683289},{"text":"Absolutely.","start":1004.775,"end":1005.275,"sentiment":"positive","sentiment_score":0.4083517789840698},{"text":"Yeah.","start":1005.97504,"end":1006.47504,"sentiment":"neutral","sentiment_score":0.16041678190231323},{"text":"And at the moment, I did notice with your portfolio, you do have a little bit more in cash than what we'd like.","start":1006.93506,"end":1012.51,"sentiment":"neutral","sentiment_score":0.019733235644905464}],"sentiment":"neutral","sentiment_score":0.04721538370682134,"num_words":27,"start":999.655,"end":1012.51},{"sentences":[{"text":"At the moment, your cash balance if you go down to the next page, you have about 20,000 in cash.","start":1012.51,"end":1018.11,"sentiment":"neutral","sentiment_score":0.00992358298972249},{"text":"So a lot more in cash than we would wanna keep.","start":1018.11,"end":1020.51,"sentiment":"neutral","sentiment_score":-0.0042988217689774256},{"text":"Cash doesn't really do anything.","start":1020.51,"end":1022.27,"sentiment":"neutral","sentiment_score":-0.12393651157617569},{"text":"So we're gonna invest a bit more in the rest of the portfolio and remove about 17,000 in cash, distribute that across the portfolio.","start":1022.27,"end":1031.965,"sentiment":"neutral","sentiment_score":0.07623363037904103},{"text":"So you should only have a target weight of about 2,710 in cash after the changes are being made.","start":1032.0249,"end":1038.365,"sentiment":"neutral","sentiment_score":0.03963045001422104}],"sentiment":"neutral","sentiment_score":0.026760604326860813,"num_words":79,"start":1012.51,"end":1038.365},{"sentences":[{"text":"Yeah.","start":1038.745,"end":1039.245,"sentiment":"neutral","sentiment_score":0.03256647288799286},{"text":"The if you get under page 23, this is essentially showing you the changes and how that'll affect your super.","start":1041.24,"end":1048.06,"sentiment":"neutral","sentiment_score":0.01543593741953373},{"text":"The first column has your current scenario.","start":1049.64,"end":1052.54,"sentiment":"neutral","sentiment_score":0.023784397968224118},{"text":"So you've got your current balance there, the fees that you're paying, your contributions based on your current wage, and we know that with your job at the moment that you you're casual now.","start":1052.6,"end":1063.425,"sentiment":"neutral","sentiment_score":0.0027859716621391915},{"text":"You'll go to part or full time down the track, and your wage will probably drop a little bit.","start":1063.425,"end":1068.325,"sentiment":"neutral","sentiment_score":-0.07432332144756067}],"sentiment":"neutral","sentiment_score":-0.009995605727588688,"num_words":81,"start":1038.745,"end":1068.325},{"sentences":[{"text":"So this is based on your current expected contributions.","start":1068.52,"end":1071.5,"sentiment":"neutral","sentiment_score":0.09282536597715484},{"text":"In the appendix, I've also done a secondary one of these, which shows if your wage was around, say, 90,000 on a yearly basis and the contributions were lower, what the difference might be.","start":1071.88,"end":1083.335,"sentiment":"neutral","sentiment_score":0.11186679178739295},{"text":"But it still puts you in a really good position, and we can, you know, always meet up in the next six months and sort of see what's changing and reevaluate where things are tracking.","start":1083.715,"end":1092.935,"sentiment":"positive","sentiment_score":0.4494511409529618},{"text":"But this is just using a conservative contribution rate based on your current income.","start":1093.475,"end":1098.14,"sentiment":"neutral","sentiment_score":0.052046921370284896},{"text":"Okay?","start":1098.28,"end":1098.78,"sentiment":"neutral","sentiment_score":0.05665113404393196}],"sentiment":"neutral","sentiment_score":0.2274730879693262,"num_words":93,"start":1068.52,"end":1098.78},{"sentences":[{"text":"In order to make the changes, we do know that your super fund does a tax return like you do every year, and it does pay tax.","start":1100.8401,"end":1108.54,"sentiment":"neutral","sentiment_score":0.10010584361023372},{"text":"So I did go back and calculate and look at the tax consequences for buying and selling the different investments, and that's in the different column here, the 02/1975.","start":1108.8401,"end":1118.435,"sentiment":"neutral","sentiment_score":0.0814537529287667},{"text":"So in order to make the changes, the capital gains tax your super fund will account for is about $275 there.","start":1118.435,"end":1126.89,"sentiment":"neutral","sentiment_score":0.043967182526276224},{"text":"Okay?","start":1127.13,"end":1127.63,"sentiment":"neutral","sentiment_score":0.06545194983482361},{"text":"So only a small capital gains, which is good.","start":1128.41,"end":1130.91,"sentiment":"neutral","sentiment_score":0.19113780723677742}],"sentiment":"neutral","sentiment_score":0.0893565478210134,"num_words":87,"start":1100.8401,"end":1130.91},{"sentences":[{"text":"And we're not moving at a net wealth.","start":1131.53,"end":1133.6901,"sentiment":"neutral","sentiment_score":-0.06425062962807715},{"text":"There's no sort of point to change that in net wealth.","start":1133.6901,"end":1135.6901,"sentiment":"neutral","sentiment_score":-0.1592865295030854},{"text":"I did look at other funds to see if there's anything that was gonna be cheaper or better, but we'd have to sell the entire portfolio down, which would end up in a larger capital gains consequence.","start":1135.6901,"end":1145.335,"sentiment":"neutral","sentiment_score":-0.10415107424597482},{"text":"I didn't wanna do that.","start":1145.475,"end":1146.595,"sentiment":"neutral","sentiment_score":-0.18636555969715118},{"text":"I wanna limit the amount of taxes you've gotta pay and things like that on your fund.","start":1146.595,"end":1150.9349,"sentiment":"neutral","sentiment_score":-0.06734981574118137}],"sentiment":"neutral","sentiment_score":-0.1050836060864803,"num_words":78,"start":1131.53,"end":1150.9349},{"sentences":[{"text":"So keeping you in net wealth, but making the changes, you can see the investment fee drops drastically.","start":1151.7949,"end":1158.71,"sentiment":"neutral","sentiment_score":0.32876409590244293},{"text":"So we can save you about a thousand and $35 on the investment fees for making the change, yeah, which is really good because, you know, we don't really be paying lots of fees for the investment.","start":1158.77,"end":1169.49,"sentiment":"positive","sentiment_score":0.3375262541545404},{"text":"We wanna save you as much money as possible.","start":1169.49,"end":1171.9099,"sentiment":"positive","sentiment_score":0.4233419994513194},{"text":"Okay?","start":1172.21,"end":1172.71,"sentiment":"neutral","sentiment_score":0.1846569925546646},{"text":"Excellent.","start":1173.915,"end":1174.415,"sentiment":"positive","sentiment_score":0.5272336602210999}],"sentiment":"positive","sentiment_score":0.3473968754212062,"num_words":66,"start":1151.7949,"end":1174.415},{"sentences":[{"text":"With we do expect, obviously, growth the the growth at the bottom there is higher.","start":1175.435,"end":1179.755,"sentiment":"neutral","sentiment_score":0.24845477938652039},{"text":"So with your current portfolio, the five year rolling average has averaged about 8.32% on a yearly basis.","start":1179.755,"end":1186.255,"sentiment":"neutral","sentiment_score":0.21964707970619202},{"text":"This newer portfolio, when we look at how it's performed over the past five years, it's averaged about 17.2 three two percent, and we can sort of see if the market performs the way it has over the last five years and it continues that way.","start":1186.59,"end":1202.2051,"sentiment":"neutral","sentiment_score":0.24537083603765653},{"text":"On the next page, you'll see the projection forward of where you could end up over the next five or ten years depending on what happens in the market.","start":1202.2051,"end":1210.865,"sentiment":"neutral","sentiment_score":0.08206502052730527},{"text":"So I never never gonna guarantee you'll get 17% every year.","start":1210.925,"end":1215.62,"sentiment":"neutral","sentiment_score":0.05177745832638307}],"sentiment":"neutral","sentiment_score":0.18417617832036579,"num_words":119,"start":1175.435,"end":1215.62},{"sentences":[{"text":"However, if the market was able to generate that over the next five to ten years, this is essentially where you could see your balance ending up.","start":1215.62,"end":1223.78,"sentiment":"neutral","sentiment_score":0.10763503169571911},{"text":"Okay?","start":1223.78,"end":1224.28,"sentiment":"neutral","sentiment_score":0.08665179461240768},{"text":"Beautiful.","start":1225.46,"end":1225.96,"sentiment":"positive","sentiment_score":0.552485466003418},{"text":"Yeah.","start":1226.895,"end":1227.2151,"sentiment":"positive","sentiment_score":0.4316601157188415},{"text":"And we'll just keep making sure we do our reviews every year with you, see how things are going, and make sure you're sort of looking forward and on track there.","start":1227.2151,"end":1234.895,"sentiment":"positive","sentiment_score":0.42011565931381717}],"sentiment":"neutral","sentiment_score":0.27869719132536747,"num_words":61,"start":1215.62,"end":1234.895},{"sentences":[{"text":"Okay?","start":1234.895,"end":1235.395,"sentiment":"neutral","sentiment_score":0.1534101963043213},{"text":"Beautiful.","start":1236.8151,"end":1237.3151,"sentiment":"positive","sentiment_score":0.40183496475219727},{"text":"I do obviously have in there the advantages, disadvantages, the risks involved.","start":1238.8151,"end":1242.54,"sentiment":"neutral","sentiment_score":-0.0032930063704649606},{"text":"The advantages of this portfolio is definitely a lot cheaper for you, has performed much greater there.","start":1242.54,"end":1248.4601,"sentiment":"neutral","sentiment_score":0.3008910513976041},{"text":"The disadvantages are that you've got the CGT consequences.","start":1248.4601,"end":1251.76,"sentiment":"neutral","sentiment_score":-0.3120843403869205}],"sentiment":"neutral","sentiment_score":0.07055294737219811,"num_words":40,"start":1234.895,"end":1251.76},{"sentences":[{"text":"There's also no guarantees market will markets will react the way they have in the past, but we certainly do hope so.","start":1251.9801,"end":1258.645,"sentiment":"neutral","sentiment_score":-0.12535408613356677},{"text":"And this portfolio has shown over the past, you know, three to five to ten years that it's had a much greater track record.","start":1258.645,"end":1265.625,"sentiment":"positive","sentiment_score":0.4670650511980057},{"text":"So we utilize that data to project forward knowing that this is what it could do in the future if it acted the same way it has in the past.","start":1265.685,"end":1274.82,"sentiment":"positive","sentiment_score":0.38750732491413753},{"text":"Okay?","start":1275.12,"end":1275.62,"sentiment":"neutral","sentiment_score":0.06656750291585922},{"text":"Yeah.","start":1276.3999,"end":1276.8999,"sentiment":"neutral","sentiment_score":0.0993153601884842}],"sentiment":"neutral","sentiment_score":0.2595240249274633,"num_words":78,"start":1251.9801,"end":1276.8999},{"sentences":[{"text":"Yvonne, with your portfolio, you're in a growth portfolio, so you're a little bit lower risk on things than where Peter is.","start":1278.24,"end":1285.195,"sentiment":"neutral","sentiment_score":0.13441350954500111},{"text":"He's in that high growth environment.","start":1285.195,"end":1286.815,"sentiment":"neutral","sentiment_score":0.10056296736001968},{"text":"And on page number 30 is essentially the changes we'll make to yours.","start":1287.515,"end":1291.855,"sentiment":"neutral","sentiment_score":0.09786456536788207},{"text":"That's okay.","start":1295.4349,"end":1296.315,"sentiment":"neutral","sentiment_score":0.11654224246740341},{"text":"You're fine.","start":1296.315,"end":1297.215,"sentiment":"neutral","sentiment_score":0.10548115149140358}],"sentiment":"neutral","sentiment_score":0.11726135893000497,"num_words":45,"start":1278.24,"end":1297.215},{"sentences":[{"text":"Yeah.","start":1299.3501,"end":1299.8501,"sentiment":"neutral","sentiment_score":-0.03832061588764191},{"text":"Mhmm.","start":1303.99,"end":1304.49,"sentiment":"neutral","sentiment_score":-0.10201942920684814},{"text":"Well, I did sort of look at that, and our interest rates have definitely changed since since we sort of last spoke.","start":1310.9651,"end":1318.4851,"sentiment":"neutral","sentiment_score":0.02026046575470404},{"text":"So I can relook at it again for you.","start":1318.4851,"end":1321.045,"sentiment":"neutral","sentiment_score":0.07675476123889287},{"text":"At the moment, I've left it in super and tried to make it work, you know, with the portfolio as much as possible.","start":1321.045,"end":1328.17,"sentiment":"neutral","sentiment_score":0.17516021981187488}],"sentiment":"neutral","sentiment_score":0.08972978764878851,"num_words":56,"start":1299.3501,"end":1328.17},{"sentences":[{"text":"Because your goal at the time was to kinda keep it working.","start":1329.11,"end":1331.99,"sentiment":"neutral","sentiment_score":0.18357135045031706},{"text":"You said you didn't wanna touch it for ten years.","start":1331.99,"end":1334.15,"sentiment":"neutral","sentiment_score":-0.01547446294571273},{"text":"But if you wanna if you want to, I can go back and have a look at the difference and see if, you know, it's better to put it on the house.","start":1334.15,"end":1341.725,"sentiment":"neutral","sentiment_score":0.03685384429991245},{"text":"Or if at any point you decide you don't wanna keep it in super and you just wanna pay off your home loan or pay your home loan down, you can let me know, and we can absolutely take it all out.","start":1341.725,"end":1352.4451,"sentiment":"neutral","sentiment_score":0.17032881307282619},{"text":"It's not a problem.","start":1352.4451,"end":1353.665,"sentiment":"positive","sentiment_score":0.34923478215932846}],"sentiment":"neutral","sentiment_score":0.11778183871239889,"num_words":100,"start":1329.11,"end":1353.665},{"sentences":[{"text":"It just comes down to what your preference is.","start":1354.76,"end":1357.26,"sentiment":"neutral","sentiment_score":0.204510768254598},{"text":"It it does.","start":1366.215,"end":1367.195,"sentiment":"neutral","sentiment_score":0.04331441347797712},{"text":"Yeah.","start":1367.975,"end":1368.475,"sentiment":"neutral","sentiment_score":0.07525418698787689},{"text":"You don't, but your super fund does.","start":1368.615,"end":1370.875,"sentiment":"neutral","sentiment_score":0.03694943817598479},{"text":"So if we were to, I could absolutely have a look at what the total capital gains were, and your fund just essentially holds that money back, and you just get the difference out.","start":1371.335,"end":1380.8062,"sentiment":"neutral","sentiment_score":0.14798134236651309}],"sentiment":"neutral","sentiment_score":0.13584826017419496,"num_words":54,"start":1354.76,"end":1380.8062},{"sentences":[{"text":"So if that's something you wanted me to look at, I absolutely can.","start":1380.8062,"end":1381.605,"sentiment":"neutral","sentiment_score":0.22422131724082506},{"text":"Out.","start":1382.85,"end":1383.0366,"sentiment":"neutral","sentiment_score":0.06257809698581696},{"text":"So if that's something you wanted me to look at, I absolutely can.","start":1383.0366,"end":1386.29,"sentiment":"neutral","sentiment_score":0.12173275019113834},{"text":"I know since we last sort of caught up, interest rates have gone up and down and sideways and yeah.","start":1386.29,"end":1391.83,"sentiment":"neutral","sentiment_score":-0.14777470529079437},{"text":"Yeah.","start":1407.025,"end":1407.525,"sentiment":"neutral","sentiment_score":-0.05797959864139557}],"sentiment":"neutral","sentiment_score":0.03221890144050121,"num_words":48,"start":1380.8062,"end":1407.525},{"sentences":[{"text":"Mhmm.","start":1411.05,"end":1411.55,"sentiment":"neutral","sentiment_score":-0.03609591722488403},{"text":"You are yeah.","start":1416.09,"end":1418.89,"sentiment":"neutral","sentiment_score":-0.04748874778548876},{"text":"And look yeah.","start":1418.89,"end":1421.21,"sentiment":"neutral","sentiment_score":-0.04493648620943228},{"text":"It would be different.","start":1421.21,"end":1422.43,"sentiment":"neutral","sentiment_score":-0.01980857364833355},{"text":"We've seen a contributions going in, it does make a bit more of a difference.","start":1422.81,"end":1426.875,"sentiment":"neutral","sentiment_score":0.10949857632319132}],"sentiment":"neutral","sentiment_score":0.048072028117111094,"num_words":26,"start":1411.05,"end":1426.875},{"sentences":[{"text":"We can also look at if you wanted me to, I can also look at contribution splitting.","start":1427.4149,"end":1431.735,"sentiment":"neutral","sentiment_score":0.06489212898647084},{"text":"So when Peter sort of does go full time, I can look at even splitting some of his contributions into your super so you are getting contributions.","start":1431.735,"end":1440.32,"sentiment":"neutral","sentiment_score":0.11794983540420179},{"text":"We can also do other yeah.","start":1440.46,"end":1445.7599,"sentiment":"neutral","sentiment_score":-0.011911889538168907},{"text":"Yeah.","start":1451.6549,"end":1452.135,"sentiment":"neutral","sentiment_score":0.17044752836227417},{"text":"It normally does work out much better that way.","start":1452.135,"end":1454.5349,"sentiment":"neutral","sentiment_score":0.30828582247098285}],"sentiment":"neutral","sentiment_score":0.11935600570092599,"num_words":60,"start":1427.4149,"end":1454.5349},{"sentences":[{"text":"It also just comes down to what your preference is.","start":1454.5349,"end":1457.115,"sentiment":"neutral","sentiment_score":0.0319378487765789},{"text":"But yours yeah.","start":1457.6549,"end":1462.635,"sentiment":"neutral","sentiment_score":-0.09784429023663203},{"text":"Yeah.","start":1464.375,"end":1464.875,"sentiment":"neutral","sentiment_score":-0.010431315749883652},{"text":"Yeah.","start":1477.31,"end":1477.81,"sentiment":"neutral","sentiment_score":0.013088367879390717},{"text":"Yes.","start":1479.7101,"end":1480.2101,"sentiment":"neutral","sentiment_score":0.15646907687187195}],"sentiment":"neutral","sentiment_score":0.011560734128579497,"num_words":16,"start":1454.5349,"end":1480.2101},{"sentences":[{"text":"Yeah.","start":1485.9249,"end":1486.4249,"sentiment":"neutral","sentiment_score":0.26219338178634644},{"text":"Yep.","start":1490.4049,"end":1490.9049,"sentiment":"neutral","sentiment_score":0.08283732831478119},{"text":"Yeah.","start":1497.14,"end":1497.38,"sentiment":"neutral","sentiment_score":0.08642303943634033},{"text":"That's that's okay.","start":1497.38,"end":1498.9,"sentiment":"neutral","sentiment_score":0.24147668977578482},{"text":"If you wanted to send me through an updated statement with your interest rate, I can have a look at it for you if you like and send you through a comparison.","start":1498.9,"end":1506.4401,"sentiment":"neutral","sentiment_score":0.19096893747337162}],"sentiment":"neutral","sentiment_score":0.19123394257928195,"num_words":38,"start":1485.9249,"end":1506.4401},{"sentences":[{"text":"That's absolutely fine.","start":1506.66,"end":1508.04,"sentiment":"positive","sentiment_score":0.4722021222114563},{"text":"With with the, I mean, with the portfolios, the interest the sorry.","start":1509.3351,"end":1514.935,"sentiment":"neutral","sentiment_score":0.1015739490588506},{"text":"The rate of return that you've got in here is showing you the average over the past three to five years.","start":1514.935,"end":1520.3151,"sentiment":"neutral","sentiment_score":0.1148295948902766},{"text":"But these portfolios can see rates of return of five, ten, 20%.","start":1520.64,"end":1525.9401,"sentiment":"neutral","sentiment_score":0.2701970885197322},{"text":"And with a balance of a 110,000, even having a three or a 5% return can make a bit of a difference, especially when it is compounded.","start":1526.24,"end":1533.7001,"sentiment":"positive","sentiment_score":0.41150551868809593}],"sentiment":"neutral","sentiment_score":0.2586657241980235,"num_words":75,"start":1506.66,"end":1533.7001},{"sentences":[{"text":"So you could see this grow pretty significantly.","start":1533.92,"end":1536.655,"sentiment":"positive","sentiment_score":0.46177412336692214},{"text":"To make it easier, if you just scroll down for me to page 33, I'll actually show you the projection before I go through the changes because yeah.","start":1537.355,"end":1550.08,"sentiment":"neutral","sentiment_score":0.06001439071925623},{"text":"So you'll see you've got your current balance at the moment, which is $112,003.08 5.","start":1550.08,"end":1555.14,"sentiment":"neutral","sentiment_score":0.07974511881669362},{"text":"If I'm making the changes, I'll take you back to this in a moment.","start":1555.2799,"end":1558.1599,"sentiment":"neutral","sentiment_score":0.03354027069040707},{"text":"The CDT expected is $2.69, for $269.","start":1558.1599,"end":1562.565,"sentiment":"neutral","sentiment_score":0.06789557635784149}],"sentiment":"neutral","sentiment_score":0.10438341018743813,"num_words":72,"start":1533.92,"end":1562.565},{"sentences":[{"text":"We're saving about $720 in investment fees, and the portfolio that you're in currently has averaged 6.07%, whereas this newer portfolio has averaged 12.97%.","start":1563.365,"end":1577.45,"sentiment":"neutral","sentiment_score":0.25564055672536296},{"text":"So, again, you may not get that.","start":1577.45,"end":1579.0499,"sentiment":"neutral","sentiment_score":0.07865352290017265},{"text":"You might get a 5% return one year, a 10 percent return the next year.","start":1579.0499,"end":1582.73,"sentiment":"neutral","sentiment_score":0.30991384784380593},{"text":"You might get a 15 or 20% return the following year, and it's absolutely possible even without contributions going in.","start":1582.73,"end":1589.47,"sentiment":"positive","sentiment_score":0.34516681246459485},{"text":"Because the one good thing about these is that all of these investments do also pay, except for gold, they do pay dividends.","start":1589.745,"end":1598.085,"sentiment":"positive","sentiment_score":0.3717667667762093}],"sentiment":"neutral","sentiment_score":0.30099581600574965,"num_words":89,"start":1563.365,"end":1598.085},{"sentences":[{"text":"So we've got dividends with the fixed interest and the the comp the bonds.","start":1598.305,"end":1602.725,"sentiment":"neutral","sentiment_score":0.28230241579668863},{"text":"We're also getting coupon payments with interest payments being paid out, and these are going into your cash account.","start":1602.98,"end":1609.06,"sentiment":"neutral","sentiment_score":0.22129137108200475},{"text":"So your funds are still paying income to you.","start":1609.06,"end":1611.62,"sentiment":"neutral","sentiment_score":0.2512630108329985},{"text":"That gets paid to your cash account, and that's it then gets reinvested back into your portfolio.","start":1611.62,"end":1616.4401,"sentiment":"neutral","sentiment_score":0.27889644749024334},{"text":"And that does help with the compounding effect.","start":1616.995,"end":1619.255,"sentiment":"neutral","sentiment_score":0.2799032274633646}],"sentiment":"neutral","sentiment_score":0.2596806327798473,"num_words":67,"start":1598.305,"end":1619.255},{"sentences":[{"text":"So it's not to say it definitely won't grow.","start":1619.315,"end":1622.115,"sentiment":"neutral","sentiment_score":-0.05639313658078512},{"text":"If there was any chance I saw it starting to go backwards, I would absolutely say pull it out.","start":1622.115,"end":1626.515,"sentiment":"neutral","sentiment_score":-0.2991975004735746},{"text":"It is not worth doing so.","start":1626.515,"end":1628.2949,"sentiment":"negative","sentiment_score":-0.5928218513727188},{"text":"But having a look at this at the moment with the way the markets are reacting, the the kind of growth we can expect and see, there's a chance that you could go over the next five years have either a 167,000, or if the market still performed, if you are able to get a 12.97% return even with no contributions, you could end up in ten years with about 250,000 in there.","start":1629.1549,"end":1651.895,"sentiment":"neutral","sentiment_score":0.16796276126414128},{"text":"So it's definitely not as much growth as what Peter Soufri is seeing, but it does see that growth.","start":1651.895,"end":1657.8151,"sentiment":"neutral","sentiment_score":0.20289924662364156}],"sentiment":"neutral","sentiment_score":0.0505329000926207,"num_words":126,"start":1619.315,"end":1657.8151},{"sentences":[{"text":"The money is still invested.","start":1657.8151,"end":1659.1951,"sentiment":"positive","sentiment_score":0.38387575149536135},{"text":"And you can still pull it down if you do need, you know, additional funds here and there for bills or for, you know, something big or a holiday or something because you're not working and you're over 60.","start":1659.9,"end":1669.4401,"sentiment":"neutral","sentiment_score":0.03533441200852394},{"text":"You have full access to this money.","start":1669.74,"end":1671.8401,"sentiment":"neutral","sentiment_score":0.2501800443444933},{"text":"But in saying that, if if you just wanna pay off the mortgage, you're welcome to ring me and go, Dana, I'm done.","start":1672.5951,"end":1677.875,"sentiment":"neutral","sentiment_score":0.07538244516953178},{"text":"Take my money out.","start":1677.875,"end":1678.755,"sentiment":"neutral","sentiment_score":-0.07625255640596151}],"sentiment":"neutral","sentiment_score":0.08304445063456511,"num_words":78,"start":1657.8151,"end":1678.755},{"sentences":[{"text":"I just wanna put on the mortgage and reduce the amount we have.","start":1678.755,"end":1681.5751,"sentiment":"neutral","sentiment_score":0.016530553595377848},{"text":"We would just pull it out.","start":1681.7151,"end":1682.8351,"sentiment":"neutral","sentiment_score":0.11649690568447113},{"text":"It can be done as a transaction without advice nice and quickly.","start":1682.8351,"end":1686.2151,"sentiment":"neutral","sentiment_score":0.2646821116407712},{"text":"It can go on the mortgage.","start":1686.5299,"end":1687.99,"sentiment":"neutral","sentiment_score":0.11898450429240863},{"text":"And you're still young enough that if you change your mind, we can always put some back into super.","start":1688.21,"end":1692.71,"sentiment":"neutral","sentiment_score":0.18332902381294652}],"sentiment":"neutral","sentiment_score":0.14798611515600765,"num_words":56,"start":1678.755,"end":1692.71},{"sentences":[{"text":"So or invest it in other ways.","start":1693.33,"end":1695.09,"sentiment":"neutral","sentiment_score":0.13042382576635905},{"text":"So you do definitely have other options there to have a look at.","start":1695.09,"end":1698.465,"sentiment":"neutral","sentiment_score":0.13686641936118787},{"text":"Yeah.","start":1698.705,"end":1699.205,"sentiment":"neutral","sentiment_score":0.10960516333580016},{"text":"Yeah.","start":1700.945,"end":1701.445,"sentiment":"neutral","sentiment_score":0.17712579667568207},{"text":"Well, good.","start":1701.585,"end":1702.4049,"sentiment":"positive","sentiment_score":0.34325483441352844}],"sentiment":"neutral","sentiment_score":0.1527279525374373,"num_words":24,"start":1693.33,"end":1702.4049},{"sentences":[{"text":"But that's essentially, like, the changes made to yours and where we can see it going.","start":1702.705,"end":1707.125,"sentiment":"neutral","sentiment_score":0.24986271187663078},{"text":"I do wanna make sure we do catch up to see how it is tracking, and I will make sure do you guys prefer maybe a catch up once every three or six months?","start":1707.505,"end":1717.61,"sentiment":"neutral","sentiment_score":0.07209531360251062},{"text":"Do you how often would you like to sort of see a catch up moving forward?","start":1717.61,"end":1721.15,"sentiment":"neutral","sentiment_score":0.041108733508735895},{"text":"Yeah.","start":1728.0901,"end":1728.5901,"sentiment":"neutral","sentiment_score":0.2765345871448517},{"text":"I am.","start":1730.715,"end":1731.455,"sentiment":"neutral","sentiment_score":0.07084737345576286}],"sentiment":"neutral","sentiment_score":0.10905816119866095,"num_words":69,"start":1702.705,"end":1731.455},{"sentences":[{"text":"Yeah.","start":1732.635,"end":1733.135,"sentiment":"neutral","sentiment_score":0.12750819325447085},{"text":"Yeah.","start":1735.595,"end":1735.755,"sentiment":"neutral","sentiment_score":0.22203022241592407},{"text":"Yeah.","start":1735.755,"end":1736.255,"sentiment":"neutral","sentiment_score":0.2299955040216446},{"text":"It's okay.","start":1736.635,"end":1737.455,"sentiment":"positive","sentiment_score":0.40437446534633636},{"text":"All good.","start":1738.155,"end":1738.555,"sentiment":"positive","sentiment_score":0.559770941734314}],"sentiment":"positive","sentiment_score":0.3582606762647629,"num_words":7,"start":1732.635,"end":1738.555},{"sentences":[{"text":"And if if you wanna send me through a statement, I can even send you another email after the call so you've got my email there.","start":1738.555,"end":1743.755,"sentiment":"neutral","sentiment_score":0.20539256070668882},{"text":"But if you wanna send me through another statement just with the updated things, I can have a look and give you a comparison email to show, you know, what paying this down could do and how it could how much interest you could expect to kinda save on putting this money towards your mortgage just to give you a comparison so you can kind kinda have a think about what you'd like to do.","start":1743.755,"end":1764.325,"sentiment":"neutral","sentiment_score":0.22026132598519324},{"text":"Yeah.","start":1764.545,"end":1765.045,"sentiment":"neutral","sentiment_score":0.16552741825580597},{"text":"Yeah.","start":1766.385,"end":1766.885,"sentiment":"neutral","sentiment_score":0.22800494730472565},{"text":"Oh, good.","start":1767.345,"end":1768.165,"sentiment":"positive","sentiment_score":0.37853802740573883}],"sentiment":"neutral","sentiment_score":0.2191468042631944,"num_words":105,"start":1738.555,"end":1768.165},{"sentences":[{"text":"So back up on page number 30 there, you'll just see a lot there are a lot of the same investments.","start":1768.785,"end":1774.73,"sentiment":"neutral","sentiment_score":0.08657443239575341},{"text":"So we're just gonna sell off some of your gold.","start":1775.11,"end":1777.5901,"sentiment":"neutral","sentiment_score":0.05168446972966194},{"text":"You've got about 20% gold in there at the moment.","start":1777.5901,"end":1780.15,"sentiment":"neutral","sentiment_score":0.2047084242105484},{"text":"It's a beautiful increase in your in your portfolio.","start":1780.15,"end":1782.97,"sentiment":"positive","sentiment_score":0.5935340027014414},{"text":"So selling off some of that and just retaining 10,000 in there, gold is a really great growth investment, but the downside to gold is it doesn't pay any income.","start":1784.15,"end":1793.405,"sentiment":"neutral","sentiment_score":0.1764708841840426}],"sentiment":"neutral","sentiment_score":0.1877240571193397,"num_words":80,"start":1768.785,"end":1793.405},{"sentences":[{"text":"So you wanna make sure you're getting some income investments.","start":1793.405,"end":1796.385,"sentiment":"neutral","sentiment_score":0.051383452489972115},{"text":"And the benefit yeah.","start":1797.165,"end":1799.985,"sentiment":"neutral","sentiment_score":0.06371703278273344},{"text":"Yeah.","start":1803.32,"end":1803.82,"sentiment":"neutral","sentiment_score":0.12064340710639954},{"text":"No.","start":1808.36,"end":1808.6799,"sentiment":"neutral","sentiment_score":-0.2271653711795807},{"text":"You you have asked a really good question.","start":1808.6799,"end":1811.08,"sentiment":"neutral","sentiment_score":-0.07593110157176852}],"sentiment":"neutral","sentiment_score":0.0022804949743052325,"num_words":24,"start":1793.405,"end":1811.08},{"sentences":[{"text":"Yeah.","start":1811.08,"end":1811.32,"sentiment":"neutral","sentiment_score":0.03968939557671547},{"text":"It's a really great question.","start":1811.32,"end":1812.7,"sentiment":"neutral","sentiment_score":0.12252762466669083},{"text":"So gold essentially goes on the price of gold, and we look at growth.","start":1813.0,"end":1816.755,"sentiment":"neutral","sentiment_score":0.04705362846808774},{"text":"So say if you bought a a couple of shares in gold or, you know, a bit of gold and you paid $20 per share in the gold price, and the next day, it went up to $50 per share.","start":1816.835,"end":1829.655,"sentiment":"neutral","sentiment_score":0.02760337139479816},{"text":"That essentially the difference, that $30 difference is your growth, and that's what gold does.","start":1830.03,"end":1835.31,"sentiment":"neutral","sentiment_score":0.07221315254767736}],"sentiment":"neutral","sentiment_score":0.046645472819606466,"num_words":75,"start":1811.08,"end":1835.31},{"sentences":[{"text":"It just grows and alters in value.","start":1835.31,"end":1837.65,"sentiment":"neutral","sentiment_score":0.007345784987722125},{"text":"So the difference between your buy price and the price that is the next day or the next month is what you could sell it for.","start":1837.87,"end":1845.555,"sentiment":"neutral","sentiment_score":0.02333237173465582},{"text":"Correct.","start":1845.555,"end":1846.055,"sentiment":"neutral","sentiment_score":0.12949863076210022},{"text":"And that's essentially the growth, and that's all gold does.","start":1846.595,"end":1849.395,"sentiment":"neutral","sentiment_score":0.10949280709028245},{"text":"It only has growth in it.","start":1849.395,"end":1851.335,"sentiment":"neutral","sentiment_score":-0.026887687544027965}],"sentiment":"neutral","sentiment_score":0.03442325472831726,"num_words":50,"start":1835.31,"end":1851.335},{"sentences":[{"text":"Whereas absolutely.","start":1851.795,"end":1854.455,"sentiment":"neutral","sentiment_score":0.1530346069484949},{"text":"So your S and P 500 and, say, your Vanguard fixed interest, those investments pay income, which is like dividends.","start":1854.675,"end":1862.72,"sentiment":"neutral","sentiment_score":0.0987172368913889},{"text":"So as an example, if you held BHP or CBA shares, those companies earn income every year.","start":1863.1,"end":1871.26,"sentiment":"neutral","sentiment_score":0.07028609492322978},{"text":"And at the at tax, yeah, at tax time, those companies all decide how much income to distribute between their investors.","start":1871.26,"end":1880.135,"sentiment":"neutral","sentiment_score":0.02874131953077657},{"text":"Their investors are you guys because you own those companies through super.","start":1880.595,"end":1884.375,"sentiment":"neutral","sentiment_score":0.04270014834279815}],"sentiment":"neutral","sentiment_score":0.06376732021777166,"num_words":72,"start":1851.795,"end":1884.375},{"sentences":[{"text":"It's yeah.","start":1887.1,"end":1887.8999,"sentiment":"neutral","sentiment_score":0.02446169126778841},{"text":"It gets paid it goes into your cash.","start":1887.8999,"end":1890.7799,"sentiment":"neutral","sentiment_score":0.025233208085410297},{"text":"That's right.","start":1890.7799,"end":1891.34,"sentiment":"neutral","sentiment_score":0.09201334416866302},{"text":"And then it gets reinvested back into your portfolio.","start":1891.34,"end":1893.9199,"sentiment":"neutral","sentiment_score":0.06705078482627869},{"text":"Yeah.","start":1894.3799,"end":1894.8799,"sentiment":"neutral","sentiment_score":0.1016288623213768}],"sentiment":"neutral","sentiment_score":0.05181371187791228,"num_words":22,"start":1887.1,"end":1894.8799},{"sentences":[{"text":"Does that make sense?","start":1895.8999,"end":1897.12,"sentiment":"neutral","sentiment_score":0.04410073347389698},{"text":"Correct.","start":1902.005,"end":1902.505,"sentiment":"neutral","sentiment_score":0.03349921479821205},{"text":"Yeah.","start":1906.165,"end":1906.645,"sentiment":"neutral","sentiment_score":0.058051757514476776},{"text":"Correct.","start":1906.645,"end":1907.145,"sentiment":"neutral","sentiment_score":0.0734977200627327},{"text":"Yep.","start":1907.285,"end":1907.785,"sentiment":"neutral","sentiment_score":0.08579832315444946}],"sentiment":"neutral","sentiment_score":0.053406243678182364,"num_words":8,"start":1895.8999,"end":1907.785},{"sentences":[{"text":"Yep.","start":1908.245,"end":1908.5651,"sentiment":"neutral","sentiment_score":0.09009025990962982},{"text":"So you're getting benefits on two fronts.","start":1908.5651,"end":1911.045,"sentiment":"neutral","sentiment_score":0.18340467235871724},{"text":"You want growth and income.","start":1911.045,"end":1912.505,"sentiment":"neutral","sentiment_score":0.20176467299461365},{"text":"Yeah.","start":1912.7251,"end":1913.2251,"sentiment":"neutral","sentiment_score":0.1193426549434662},{"text":"Yeah.","start":1914.9401,"end":1915.4401,"sentiment":"neutral","sentiment_score":0.06759233772754669}],"sentiment":"neutral","sentiment_score":0.1713120882709821,"num_words":15,"start":1908.245,"end":1915.4401},{"sentences":[{"text":"Definitely.","start":1915.5,"end":1916.0,"sentiment":"neutral","sentiment_score":0.08074270933866501},{"text":"Yeah.","start":1919.02,"end":1919.52,"sentiment":"neutral","sentiment_score":0.0382826067507267},{"text":"Nine.","start":1921.74,"end":1922.24,"sentiment":"neutral","sentiment_score":0.02739553712308407},{"text":"Yeah.","start":1932.3351,"end":1932.8351,"sentiment":"neutral","sentiment_score":0.010550808161497116},{"text":"Wow.","start":1946.23,"end":1946.73,"sentiment":"positive","sentiment_score":0.3485317826271057}],"sentiment":"neutral","sentiment_score":0.10110068880021572,"num_words":5,"start":1915.5,"end":1946.73},{"sentences":[{"text":"That's fantastic.","start":1946.79,"end":1947.61,"sentiment":"positive","sentiment_score":0.4517165571451187},{"text":"Yeah.","start":1956.865,"end":1957.105,"sentiment":"neutral","sentiment_score":0.03788513317704201},{"text":"I mean, hold on to that because gold's gone up by, what, 30 or 40% over the past couple of years.","start":1957.105,"end":1962.545,"sentiment":"neutral","sentiment_score":0.035751841363630125},{"text":"If it continues, wow.","start":1962.545,"end":1964.245,"sentiment":"neutral","sentiment_score":0.054662227630615234},{"text":"Yeah.","start":1974.9601,"end":1975.36,"sentiment":"neutral","sentiment_score":-0.023892061784863472}],"sentiment":"neutral","sentiment_score":0.06506426775314171,"num_words":29,"start":1946.79,"end":1975.36},{"sentences":[{"text":"Yeah.","start":1975.36,"end":1975.86,"sentiment":"neutral","sentiment_score":0.023856593295931816},{"text":"Yeah.","start":1981.12,"end":1981.62,"sentiment":"neutral","sentiment_score":0.1241498962044716},{"text":"Yeah.","start":1982.24,"end":1982.74,"sentiment":"neutral","sentiment_score":0.031262271106243134},{"text":"Yeah.","start":1989.295,"end":1989.775,"sentiment":"neutral","sentiment_score":0.010893141850829124},{"text":"Wow.","start":1989.775,"end":1990.275,"sentiment":"neutral","sentiment_score":0.0273056048899889}],"sentiment":"neutral","sentiment_score":0.043493501469492914,"num_words":5,"start":1975.36,"end":1990.275},{"sentences":[{"text":"Yeah.","start":1991.375,"end":1991.875,"sentiment":"neutral","sentiment_score":0.029215455055236816},{"text":"Wow.","start":1991.935,"end":1992.435,"sentiment":"neutral","sentiment_score":0.0383361354470253},{"text":"Yep.","start":1997.135,"end":1997.635,"sentiment":"neutral","sentiment_score":-0.007633663713932037},{"text":"Abs absolutely.","start":2004.34,"end":2005.5599,"sentiment":"neutral","sentiment_score":-0.016686619259417057},{"text":"Yeah.","start":2006.34,"end":2006.84,"sentiment":"neutral","sentiment_score":-0.0315680168569088}],"sentiment":"neutral","sentiment_score":-0.0008372214312354723,"num_words":6,"start":1991.375,"end":2006.84},{"sentences":[{"text":"Yep.","start":2008.9,"end":2009.4,"sentiment":"neutral","sentiment_score":-0.05438529700040817},{"text":"Yeah.","start":2013.005,"end":2013.485,"sentiment":"neutral","sentiment_score":-0.010142181068658829},{"text":"Yeah.","start":2013.485,"end":2013.985,"sentiment":"neutral","sentiment_score":-0.003653539344668389},{"text":"Absolutely.","start":2015.965,"end":2016.465,"sentiment":"neutral","sentiment_score":0.0936635285615921},{"text":"Yeah.","start":2016.845,"end":2017.345,"sentiment":"neutral","sentiment_score":0.02154608815908432}],"sentiment":"neutral","sentiment_score":0.009405719861388207,"num_words":5,"start":2008.9,"end":2017.345},{"sentences":[{"text":"No.","start":2017.565,"end":2017.885,"sentiment":"neutral","sentiment_score":-0.04651308059692383},{"text":"That's exactly whenever yeah.","start":2017.885,"end":2020.205,"sentiment":"neutral","sentiment_score":0.06783827301114798},{"text":"Sorry.","start":2020.205,"end":2020.705,"sentiment":"neutral","sentiment_score":-0.1645810306072235},{"text":"Yep.","start":2024.2849,"end":2024.7849,"sentiment":"neutral","sentiment_score":-0.08582394570112228},{"text":"Oh, absolutely.","start":2026.4601,"end":2027.36,"sentiment":"neutral","sentiment_score":0.30525603890419006}],"sentiment":"neutral","sentiment_score":0.06499412366085583,"num_words":9,"start":2017.565,"end":2027.36},{"sentences":[{"text":"Absolutely.","start":2027.74,"end":2028.24,"sentiment":"neutral","sentiment_score":0.288968026638031},{"text":"No.","start":2028.4601,"end":2028.7001,"sentiment":"neutral","sentiment_score":0.25707659125328064},{"text":"That's fantastic.","start":2028.7001,"end":2029.52,"sentiment":"positive","sentiment_score":0.6259888112545013},{"text":"I mean, my kids have started investing in there.","start":2029.74,"end":2032.06,"sentiment":"positive","sentiment_score":0.3800535003344218},{"text":"I mean, I've had a little investments outside of Super for my kids for the past couple of years, but they've started putting their own money in there.","start":2032.06,"end":2039.02,"sentiment":"neutral","sentiment_score":0.23109657909455045}],"sentiment":"neutral","sentiment_score":0.2851026331233542,"num_words":41,"start":2027.74,"end":2039.02},{"sentences":[{"text":"And they've got a bit of gold, a bit of, you know, the S and P 500, a bit of little bits of everything here, and they're building that up.","start":2039.02,"end":2045.145,"sentiment":"positive","sentiment_score":0.6112915188074112},{"text":"And it's really cool to kinda see things grow and build and, you know, it's really fun.","start":2045.145,"end":2050.345,"sentiment":"positive","sentiment_score":0.7650765846757328},{"text":"It's it's not great when it all goes red.","start":2050.345,"end":2052.425,"sentiment":"neutral","sentiment_score":0.054864564600090183},{"text":"But Yeah.","start":2052.425,"end":2058.25,"sentiment":"neutral","sentiment_score":-0.021572268567979336},{"text":"Yeah.","start":2061.9102,"end":2062.4102,"sentiment":"neutral","sentiment_score":-0.05927875265479088}],"sentiment":"positive","sentiment_score":0.5379051744969467,"num_words":59,"start":2039.02,"end":2062.4102},{"sentences":[{"text":"Yeah.","start":2071.1848,"end":2071.6848,"sentiment":"neutral","sentiment_score":-0.023509010672569275},{"text":"Yeah.","start":2081.345,"end":2081.845,"sentiment":"neutral","sentiment_score":-0.02544562891125679},{"text":"Yeah.","start":2083.76,"end":2083.8398,"sentiment":"neutral","sentiment_score":-0.05067260563373566},{"text":"Yeah.","start":2083.8398,"end":2084.3398,"sentiment":"neutral","sentiment_score":-0.019958162680268288},{"text":"Yeah.","start":2085.5999,"end":2086.0999,"sentiment":"neutral","sentiment_score":-0.0015987232327461245}],"sentiment":"neutral","sentiment_score":-0.024236826226115227,"num_words":5,"start":2071.1848,"end":2086.0999},{"sentences":[{"text":"Let it let it have that first and then see what happens.","start":2086.16,"end":2089.5999,"sentiment":"neutral","sentiment_score":0.024054967643072207},{"text":"And yeah.","start":2089.5999,"end":2090.24,"sentiment":"neutral","sentiment_score":0.02881593443453312},{"text":"Look.","start":2090.24,"end":2090.4,"sentiment":"neutral","sentiment_score":0.03598587214946747},{"text":"If any of them wanna have a chat to me, more than happy for them to reach out or for us to reach out to them even if it's, you know, not advice needed.","start":2090.4,"end":2098.4,"sentiment":"neutral","sentiment_score":0.23691600736449747},{"text":"They just want some information or, you know, ask to do a bit of work and give them some free advice.","start":2098.4,"end":2103.6648,"sentiment":"neutral","sentiment_score":0.26818717342047466}],"sentiment":"neutral","sentiment_score":0.20099074635654687,"num_words":70,"start":2086.16,"end":2103.6648},{"sentences":[{"text":"I'm absolutely happy to do that.","start":2103.6648,"end":2105.345,"sentiment":"positive","sentiment_score":0.7207789222399393},{"text":"I just I love working with people, and I wanna make everyone's world better.","start":2105.345,"end":2109.1848,"sentiment":"positive","sentiment_score":0.7019575451101575},{"text":"So everyone's worked so hard.","start":2109.1848,"end":2111.605,"sentiment":"neutral","sentiment_score":0.10546328872442245},{"text":"Yeah.","start":2124.97,"end":2125.21,"sentiment":"neutral","sentiment_score":-0.05096989497542381},{"text":"Yeah.","start":2125.21,"end":2125.71,"sentiment":"neutral","sentiment_score":-0.08703875541687012}],"sentiment":"positive","sentiment_score":0.5385698873411726,"num_words":27,"start":2103.6648,"end":2125.71},{"sentences":[{"text":"Yeah.","start":2129.355,"end":2129.855,"sentiment":"neutral","sentiment_score":-0.026900552213191983},{"text":"Yeah.","start":2136.635,"end":2137.135,"sentiment":"neutral","sentiment_score":-0.11093582212924956},{"text":"Yeah.","start":2137.515,"end":2138.015,"sentiment":"neutral","sentiment_score":-0.16060972213745117},{"text":"Yeah.","start":2139.435,"end":2139.935,"sentiment":"neutral","sentiment_score":-0.08404803276062012},{"text":"It is a big it can be a big step for people to take to sort of think about an adviser.","start":2140.395,"end":2145.43,"sentiment":"neutral","sentiment_score":-0.04918951292832693}],"sentiment":"neutral","sentiment_score":-0.05661895602941513,"num_words":25,"start":2129.355,"end":2145.43},{"sentences":[{"text":"It's not something that everyone is comfortable or confident doing.","start":2145.43,"end":2148.95,"sentiment":"neutral","sentiment_score":-0.091973976790905},{"text":"But even if you just let them know, look, there's no obligation to the initial consultation.","start":2148.95,"end":2152.89,"sentiment":"neutral","sentiment_score":0.07553754700347781},{"text":"They don't have to take any of the advice.","start":2153.43,"end":2155.43,"sentiment":"neutral","sentiment_score":0.014238489170869192},{"text":"Everything I give is it's just advice.","start":2155.43,"end":2157.625,"sentiment":"neutral","sentiment_score":0.2647615841456822},{"text":"And even with this like, I'm just giving you advice on how we can make the changes, but you guys get to decide whether you take it or not.","start":2157.625,"end":2163.7852,"sentiment":"neutral","sentiment_score":0.24159984573208051}],"sentiment":"neutral","sentiment_score":0.13065822537935956,"num_words":71,"start":2145.43,"end":2163.7852},{"sentences":[{"text":"There is no you know, it's all completely up to you.","start":2163.7852,"end":2167.5652,"sentiment":"neutral","sentiment_score":0.2980927120555531},{"text":"There's no obligation whatsoever on any of the advice I give, and I'm more than happy to alter it and change it.","start":2168.0251,"end":2174.21,"sentiment":"positive","sentiment_score":0.4866865629499609},{"text":"You know, I'll go back after this if you send me a statement.","start":2174.21,"end":2176.69,"sentiment":"neutral","sentiment_score":0.24868886516644403},{"text":"I'll go do a little bit of after work for you and show you a comparison on the mortgage, and then you can decide what you wanna do as well.","start":2176.69,"end":2183.33,"sentiment":"neutral","sentiment_score":0.2712604641914368},{"text":"So it's by no means in any way, shape, form forcing you guys to do anything that you're not comfortable with, and I would never want anyone to feel like they're forced to take on anything they're not comfortable with.","start":2183.33,"end":2193.5952,"sentiment":"neutral","sentiment_score":-0.29709983747452495}],"sentiment":"neutral","sentiment_score":0.11614568871927672,"num_words":116,"start":2163.7852,"end":2193.5952},{"sentences":[{"text":"So I tend to just let people do things in their own time, and it tends to work out really well because they everyone thinks about it.","start":2193.5952,"end":2202.1501,"sentiment":"neutral","sentiment_score":0.3216195741185435},{"text":"Some people procrastinate, but then when they make that leap, they feel good about making a leap.","start":2202.21,"end":2206.77,"sentiment":"neutral","sentiment_score":0.2474983860464657},{"text":"It's not as scary.","start":2206.77,"end":2208.47,"sentiment":"neutral","sentiment_score":-0.09352978877723217},{"text":"So yeah.","start":2210.36,"end":2211.59,"sentiment":"neutral","sentiment_score":-0.06924904137849808},{"text":"Yeah.","start":2213.535,"end":2214.015,"sentiment":"neutral","sentiment_score":-0.1295366734266281}],"sentiment":"neutral","sentiment_score":0.24017739515094197,"num_words":51,"start":2193.5952,"end":2214.015},{"sentences":[{"text":"Yeah.","start":2214.015,"end":2214.515,"sentiment":"neutral","sentiment_score":-0.24055646359920504},{"text":"That is true.","start":2215.775,"end":2216.655,"sentiment":"neutral","sentiment_score":0.006959483027458191},{"text":"That is true.","start":2216.655,"end":2217.635,"sentiment":"neutral","sentiment_score":0.05325928454597791},{"text":"Yeah.","start":2221.055,"end":2221.555,"sentiment":"neutral","sentiment_score":-0.01127584744244814},{"text":"Yeah.","start":2225.135,"end":2225.295,"sentiment":"neutral","sentiment_score":0.001862507313489914}],"sentiment":"neutral","sentiment_score":-0.007701500111983884,"num_words":9,"start":2214.015,"end":2225.295},{"sentences":[{"text":"No.","start":2225.295,"end":2225.615,"sentiment":"neutral","sentiment_score":-0.05158551409840584},{"text":"I that's definitely a thing.","start":2225.615,"end":2227.4849,"sentiment":"neutral","sentiment_score":0.0682932898402214},{"text":"Yes.","start":2236.07,"end":2236.55,"sentiment":"neutral","sentiment_score":0.04641620069742203},{"text":"Yeah.","start":2236.55,"end":2237.05,"sentiment":"neutral","sentiment_score":-0.0017231162637472153},{"text":"No.","start":2238.23,"end":2238.73,"sentiment":"neutral","sentiment_score":-0.0841175764799118}],"sentiment":"neutral","sentiment_score":0.027828493672940467,"num_words":9,"start":2225.295,"end":2238.73},{"sentences":[{"text":"Correct.","start":2239.83,"end":2240.33,"sentiment":"neutral","sentiment_score":0.01682829111814499},{"text":"Absolutely.","start":2242.525,"end":2243.025,"sentiment":"neutral","sentiment_score":0.06907494366168976},{"text":"Yeah.","start":2243.805,"end":2244.305,"sentiment":"neutral","sentiment_score":0.061825212091207504},{"text":"I'll be okay.","start":2245.565,"end":2246.545,"sentiment":"neutral","sentiment_score":-0.20904271801312765},{"text":"Yeah.","start":2249.485,"end":2249.985,"sentiment":"neutral","sentiment_score":0.010900547727942468}],"sentiment":"neutral","sentiment_score":-0.06692845134862832,"num_words":7,"start":2239.83,"end":2249.985},{"sentences":[{"text":"Yeah.","start":2251.645,"end":2252.145,"sentiment":"neutral","sentiment_score":0.018110694363713264},{"text":"Yeah.","start":2255.645,"end":2256.145,"sentiment":"neutral","sentiment_score":0.01994217373430729},{"text":"Yeah.","start":2260.02,"end":2260.52,"sentiment":"neutral","sentiment_score":0.006662746891379356},{"text":"That might be.","start":2261.2202,"end":2262.2002,"sentiment":"neutral","sentiment_score":-0.011611665288607279},{"text":"Yeah.","start":2265.78,"end":2266.28,"sentiment":"neutral","sentiment_score":0.08759209513664246}],"sentiment":"neutral","sentiment_score":0.01392467346574579,"num_words":7,"start":2251.645,"end":2266.28},{"sentences":[{"text":"Absolutely.","start":2266.58,"end":2267.08,"sentiment":"neutral","sentiment_score":0.23837484419345856},{"text":"No.","start":2267.2202,"end":2267.3801,"sentiment":"neutral","sentiment_score":0.038301605731248856},{"text":"There's definitely things and that kind of money, there's definitely things we can do to try and get even a part pension out of the government to kind of alleviate some of the financial pressures and stress and give them a little bit of, you know, help.","start":2267.3801,"end":2279.045,"sentiment":"neutral","sentiment_score":0.24013763808823646},{"text":"So but also having money just invested in different ways.","start":2279.045,"end":2282.405,"sentiment":"neutral","sentiment_score":0.18178101778030395},{"text":"It doesn't even have to be risky.","start":2282.405,"end":2284.005,"sentiment":"neutral","sentiment_score":0.1522733239190919}],"sentiment":"neutral","sentiment_score":0.2188919528077046,"num_words":66,"start":2266.58,"end":2284.005},{"sentences":[{"text":"You know?","start":2284.005,"end":2284.405,"sentiment":"neutral","sentiment_score":0.13040975481271744},{"text":"It can be as you guys get closer and closer, I mean yeah.","start":2284.405,"end":2288.35,"sentiment":"neutral","sentiment_score":0.157753668152369},{"text":"Yeah.","start":2288.35,"end":2288.6702,"sentiment":"neutral","sentiment_score":0.24524399638175964},{"text":"We can look at very defensive investments.","start":2288.6702,"end":2290.77,"sentiment":"neutral","sentiment_score":0.2141255885362625},{"text":"We can look at things that are a lot more low risk because you guys have still sort of mentioned that you're not accessing super for ten years.","start":2290.9102,"end":2298.19,"sentiment":"neutral","sentiment_score":0.12528274926756108}],"sentiment":"neutral","sentiment_score":0.14830700571046157,"num_words":51,"start":2284.005,"end":2298.19},{"sentences":[{"text":"With Peter still comfortable in that high growth environment, that's absolutely fine.","start":2298.19,"end":2302.7449,"sentiment":"positive","sentiment_score":0.4201061154405276},{"text":"With you in that growth environment, that's still fine and okay.","start":2302.9648,"end":2306.265,"sentiment":"positive","sentiment_score":0.4124302606691014},{"text":"As you get closer to that ten year time horizon, I would definitely be telling you to pull things back a little bit, and we'll be having that conversation more and more as as the years go on.","start":2306.4849,"end":2316.1648,"sentiment":"neutral","sentiment_score":0.15320288958518127},{"text":"So, you know, we don't wanna keep you really risky forever.","start":2316.1648,"end":2320.81,"sentiment":"neutral","sentiment_score":-0.11003849723122337},{"text":"It's about making sure that you're invested in a comfort level, but also for the time horizon that you suit as well.","start":2320.87,"end":2327.03,"sentiment":"neutral","sentiment_score":0.11947558312253519}],"sentiment":"neutral","sentiment_score":0.17891229165995376,"num_words":94,"start":2298.19,"end":2327.03},{"sentences":[{"text":"So, yeah, there's definitely ways that we can look at that, and it's definitely different for everyone as well.","start":2327.03,"end":2332.4749,"sentiment":"neutral","sentiment_score":0.21806073855412633},{"text":"So yeah.","start":2332.4749,"end":2333.775,"sentiment":"neutral","sentiment_score":0.12564540654420853},{"text":"Yeah.","start":2334.2349,"end":2334.7349,"sentiment":"neutral","sentiment_score":0.12406571954488754},{"text":"But, no, that's essentially how those sorts of investments work.","start":2335.6748,"end":2338.9749,"sentiment":"neutral","sentiment_score":0.054893330112099646},{"text":"As I said, we'll sell a bit of the gold.","start":2339.515,"end":2341.775,"sentiment":"neutral","sentiment_score":0.20834190249443055}],"sentiment":"neutral","sentiment_score":0.1702586402673097,"num_words":42,"start":2327.03,"end":2341.775},{"sentences":[{"text":"You've got a high amount of fixed interest to the Vanguard.","start":2341.9949,"end":2344.875,"sentiment":"neutral","sentiment_score":0.31173660267483105},{"text":"They will sell some of also all of that, sorry, and put the money into the core composite bonds because bonds are doing really well at the moment, and this is well diversified for you.","start":2344.875,"end":2356.35,"sentiment":"positive","sentiment_score":0.33852927216461726},{"text":"We'll keep some cyber security.","start":2356.9702,"end":2358.75,"sentiment":"neutral","sentiment_score":0.2404801905155182},{"text":"Just bring you down to five to 5% there, and then we'll also have some European bringing you up to 8%.","start":2358.81,"end":2366.145,"sentiment":"neutral","sentiment_score":0.19163753588994345},{"text":"The iShares, Europe one, the Miski, we're gonna sell all of that.","start":2366.685,"end":2371.325,"sentiment":"neutral","sentiment_score":0.15993047319352627}],"sentiment":"neutral","sentiment_score":0.2669474052353984,"num_words":84,"start":2341.9949,"end":2371.325},{"sentences":[{"text":"We're gonna buy a bit more Japan sorry.","start":2371.325,"end":2373.5652,"sentiment":"neutral","sentiment_score":0.15487552620470524},{"text":"Sell a bit of Japan, bring you down to 5% there.","start":2373.5652,"end":2376.3052,"sentiment":"neutral","sentiment_score":0.1714148982004686},{"text":"The S and P 500 will bring you back down to about 30%.","start":2376.81,"end":2380.59,"sentiment":"neutral","sentiment_score":0.24447917021237886},{"text":"Make sure you've got some of the all world index as well.","start":2380.73,"end":2384.03,"sentiment":"neutral","sentiment_score":0.2632216550409794},{"text":"And then, again, we'll keep some we've got some beta shares a 200 in there as well for world diversification and access to the Australian market as well.","start":2384.25,"end":2393.625,"sentiment":"neutral","sentiment_score":0.2370667260672365}],"sentiment":"neutral","sentiment_score":0.22360174295802912,"num_words":72,"start":2371.325,"end":2393.625},{"sentences":[{"text":"Okay?","start":2393.6848,"end":2394.1848,"sentiment":"neutral","sentiment_score":0.09451223909854888},{"text":"Your your cash component is still quite high as well, so we're gonna make sure that we bring that down to the minimum because having a lot of money in cash really doesn't do anything for you.","start":2395.4448,"end":2406.05,"sentiment":"neutral","sentiment_score":-0.05280919534129065},{"text":"It actually costs you money by having it sitting in a cash account.","start":2406.05,"end":2409.1702,"sentiment":"neutral","sentiment_score":-0.2019966966830767},{"text":"You pay, you know, fees for that, but you don't get any kind of return for it.","start":2409.1702,"end":2413.49,"sentiment":"neutral","sentiment_score":-0.16868536437259002},{"text":"So you do have quite a lot there.","start":2413.49,"end":2416.3901,"sentiment":"neutral","sentiment_score":0.07327162148430943}],"sentiment":"neutral","sentiment_score":-0.08903767457722049,"num_words":76,"start":2393.6848,"end":2416.3901},{"sentences":[{"text":"No.","start":2418.905,"end":2419.385,"sentiment":"neutral","sentiment_score":-0.2143803983926773},{"text":"Yeah.","start":2419.385,"end":2419.625,"sentiment":"neutral","sentiment_score":-0.12462128698825836},{"text":"It would have been over the course of the year, but a lot of it was also just, you know, in cash management.","start":2419.625,"end":2425.485,"sentiment":"neutral","sentiment_score":-0.05530729808885118},{"text":"So the super funds do cash management every so often, and they'll sell an investment, try to re reweight or rebalance an investment, and the difference will go back into cash.","start":2425.705,"end":2436.72,"sentiment":"neutral","sentiment_score":0.0246264202099654},{"text":"So some of that would have been dividends paid.","start":2436.72,"end":2439.52,"sentiment":"neutral","sentiment_score":0.07334300047821468}],"sentiment":"neutral","sentiment_score":-0.0028855924709485126,"num_words":65,"start":2418.905,"end":2439.52},{"sentences":[{"text":"Some of it would have been other things like, you know, cash is being left out by the the fund doing cash management re and rebalances and things like that.","start":2439.52,"end":2449.795,"sentiment":"neutral","sentiment_score":0.017102561177064976},{"text":"Okay?","start":2449.855,"end":2450.355,"sentiment":"neutral","sentiment_score":0.050610363483428955},{"text":"Yeah.","start":2450.495,"end":2450.995,"sentiment":"neutral","sentiment_score":0.2102206349372864},{"text":"All good.","start":2452.415,"end":2453.155,"sentiment":"positive","sentiment_score":0.5969617366790771},{"text":"Yeah.","start":2454.815,"end":2455.215,"sentiment":"neutral","sentiment_score":0.2598934471607208}],"sentiment":"neutral","sentiment_score":0.06364927869290113,"num_words":35,"start":2439.52,"end":2455.215},{"sentences":[{"text":"So this is essentially the major changes there.","start":2455.215,"end":2457.615,"sentiment":"neutral","sentiment_score":0.0932245459407568},{"text":"I'll show you why I've made these changes.","start":2457.615,"end":2460.08,"sentiment":"neutral","sentiment_score":0.16551763471215963},{"text":"If you go down to page 36 for me, and this is something that's not really important in any of the other plans.","start":2460.08,"end":2467.2,"sentiment":"neutral","sentiment_score":-0.02022461010062176},{"text":"It's something I like to do.","start":2467.2,"end":2468.56,"sentiment":"neutral","sentiment_score":0.22347008933623633},{"text":"It's kind of modeling out to show you, you know, where we're kinda tracking.","start":2468.56,"end":2473.06,"sentiment":"neutral","sentiment_score":0.24033286103180476}],"sentiment":"neutral","sentiment_score":0.10695342378596127,"num_words":59,"start":2455.215,"end":2473.06},{"sentences":[{"text":"And if these investments perform the way we want them to the way they have over the past, we can kinda see that as you get to those retirement years, what kinda income you could be able to draw down.","start":2474.445,"end":2486.73,"sentiment":"neutral","sentiment_score":0.2387659702450037},{"text":"I've had a bit of a look, and based on the assets that we have noted, you will be eligible for a bit of central income.","start":2486.73,"end":2492.83,"sentiment":"neutral","sentiment_score":0.11222664753978069},{"text":"So this shows if we are to get some age pension all the way through and when we kind of originally spoke, we were looking for a regular weekly income of a thousand dollars per week from both of your spaces combined and how long that was gonna last.","start":2494.17,"end":2509.1648,"sentiment":"neutral","sentiment_score":0.12158800882040238},{"text":"So this shows if we make these changes and if the markets work the way they have, and we'll keep tracking and looking at everything, You could be eligible for some age pension there, and then we can also draw some income out of both of your supers to supplement.","start":2509.1648,"end":2524.51,"sentiment":"neutral","sentiment_score":0.22562590308487415},{"text":"And we can see here that your supers are expected to last until about age 91.","start":2525.21,"end":2530.83,"sentiment":"neutral","sentiment_score":0.0366418658522889}],"sentiment":"neutral","sentiment_score":0.16736966345809112,"num_words":181,"start":2474.445,"end":2530.83},{"sentences":[{"text":"And we're working on a projected income of 52,000 per year.","start":2531.53,"end":2536.8948,"sentiment":"neutral","sentiment_score":0.0008528920694847001},{"text":"This is estimating that you could exceed that and draw 80,205 between your super account balances and Centrelink and have that last until about age 91.","start":2536.8948,"end":2548.1401,"sentiment":"neutral","sentiment_score":0.014875213543956097},{"text":"So we could, if we drop down and draw less than 80,000, have that last a little bit longer there.","start":2548.1401,"end":2554.54,"sentiment":"neutral","sentiment_score":-0.03825870472937822},{"text":"But it shows you that if things work the way they're projected to currently, that this is where we can sort of see things projected for retirement there.","start":2554.54,"end":2563.905,"sentiment":"neutral","sentiment_score":0.1480534156518323},{"text":"Okay?","start":2563.965,"end":2564.465,"sentiment":"neutral","sentiment_score":0.03473582863807678}],"sentiment":"neutral","sentiment_score":0.04431621787452334,"num_words":86,"start":2531.53,"end":2564.465},{"sentences":[{"text":"And then I hope you do.","start":2566.365,"end":2570.545,"sentiment":"neutral","sentiment_score":0.17227953548232713},{"text":"Oh, no.","start":2575.38,"end":2578.7598,"sentiment":"neutral","sentiment_score":-0.1148711871355772},{"text":"I want you to stay alive as long as I'm working.","start":2580.5,"end":2583.6199,"sentiment":"neutral","sentiment_score":-0.03793807348913767},{"text":"Once I hit retirement, it'll be fine.","start":2583.6199,"end":2586.0398,"sentiment":"neutral","sentiment_score":0.10873832553625107},{"text":"But yeah, yeah, and the next one down shows you essentially the track without age pension.","start":2588.3398,"end":2599.645,"sentiment":"neutral","sentiment_score":0.03740939556155354}],"sentiment":"neutral","sentiment_score":0.041579396142402573,"num_words":42,"start":2566.365,"end":2599.645},{"sentences":[{"text":"So, obviously, without having age pension factored in here, we are a little bit short of what your goal income is between your two super accounts.","start":2599.645,"end":2607.8901,"sentiment":"neutral","sentiment_score":-0.1920191846214808},{"text":"And to get longevity, we'd be drawing about 28,000, which is less than what you you guys want.","start":2608.43,"end":2614.37,"sentiment":"neutral","sentiment_score":-0.15311666164133284},{"text":"So we do wanna make sure we can sort of factor in age pension there, but I like to run these sorts of retirement calculators to see where we're tracking for, what we're headed towards, to give you a bit of an idea.","start":2614.75,"end":2625.455,"sentiment":"neutral","sentiment_score":0.09131022417094818},{"text":"I know it's not something that, if you put into the plans in the past, but I'd kind of like to show you what we're on track for and how we're projecting because it gives you an idea of what retirement might look like, and you guys have worked way too hard over the years not to enjoy your retirement.","start":2625.455,"end":2641.03,"sentiment":"neutral","sentiment_score":0.004705121802786986},{"text":"So No.","start":2641.25,"end":2657.005,"sentiment":"neutral","sentiment_score":-0.12763049453496933}],"sentiment":"neutral","sentiment_score":-0.02547122651848617,"num_words":149,"start":2599.645,"end":2657.005},{"sentences":[{"text":"That's okay.","start":2657.2249,"end":2658.125,"sentiment":"neutral","sentiment_score":-0.10605151951313017},{"text":"Yeah.","start":2658.585,"end":2659.085,"sentiment":"neutral","sentiment_score":-0.02182449027895927},{"text":"Yeah.","start":2661.71,"end":2662.21,"sentiment":"neutral","sentiment_score":-0.12440791726112366},{"text":"Yeah.","start":2671.55,"end":2672.05,"sentiment":"neutral","sentiment_score":0.023269232362508777},{"text":"Yeah.","start":2672.1099,"end":2672.3499,"sentiment":"neutral","sentiment_score":0.04120966047048569}],"sentiment":"neutral","sentiment_score":-0.04897609228889147,"num_words":6,"start":2657.2249,"end":2672.3499},{"sentences":[{"text":"And that's kind of where I've I've put that retirement calculator was working on Peter's ten year time horizon, so 60 eight for that one.","start":2672.3499,"end":2680.275,"sentiment":"neutral","sentiment_score":0.07327115401625633},{"text":"And, I mean, you guys are eligible for age pension at 67.","start":2680.415,"end":2683.875,"sentiment":"neutral","sentiment_score":0.08468121755868196},{"text":"So, you know, that that is yeah.","start":2683.935,"end":2687.795,"sentiment":"neutral","sentiment_score":-0.01116687192448548},{"text":"I think it will change, but I don't think it will affect you guys.","start":2691.4001,"end":2694.6802,"sentiment":"neutral","sentiment_score":-0.13948003468768938},{"text":"It'll be it'll be grandfathered because anyone on and you sort of see when they made those changes to the age pension, they did grandfather it.","start":2694.6802,"end":2703.6401,"sentiment":"neutral","sentiment_score":0.04705629805819346}],"sentiment":"neutral","sentiment_score":0.02429200739910205,"num_words":84,"start":2672.3499,"end":2703.6401},{"sentences":[{"text":"So anywhere before 1961, there was kind of that change where people who were in their fifties were eligible for accessing Centrelink due to the year they were born.","start":2703.6401,"end":2714.625,"sentiment":"neutral","sentiment_score":0.05404120401061814},{"text":"But I do think the change will be coming.","start":2715.965,"end":2718.045,"sentiment":"neutral","sentiment_score":0.04203380892674128},{"text":"I don't think it'll be in the ten years because right now with where we are, with the amount of people about to retire and, like, my mom is one of those.","start":2718.045,"end":2726.7,"sentiment":"neutral","sentiment_score":-0.18114705476909876},{"text":"My mom is 64 this year, and she is hanging out for age 67 to be able to give up work.","start":2726.7,"end":2733.02,"sentiment":"neutral","sentiment_score":-0.17873793024392354},{"text":"She's an age 10 nurse.","start":2733.02,"end":2734.2852,"sentiment":"neutral","sentiment_score":-0.08614946976304054}],"sentiment":"neutral","sentiment_score":-0.08370260874896,"num_words":96,"start":2703.6401,"end":2734.2852},{"sentences":[{"text":"It's very it's very strenuous.","start":2734.2852,"end":2735.905,"sentiment":"negative","sentiment_score":-0.5907076358795166},{"text":"So 60 yeah.","start":2736.7651,"end":2739.025,"sentiment":"neutral","sentiment_score":-0.17721783618132272},{"text":"Yep.","start":2743.0051,"end":2743.5051,"sentiment":"neutral","sentiment_score":-0.13329486548900604},{"text":"Yep.","start":2746.365,"end":2746.865,"sentiment":"negative","sentiment_score":-0.5424360632896423},{"text":"Oh, that's a lot.","start":2749.9102,"end":2751.05,"sentiment":"neutral","sentiment_score":-0.2601255178451538}],"sentiment":"negative","sentiment_score":-0.3715303348643439,"num_words":14,"start":2734.2852,"end":2751.05},{"sentences":[{"text":"Yeah.","start":2751.27,"end":2751.77,"sentiment":"neutral","sentiment_score":-0.13406455516815186},{"text":"Yeah.","start":2761.6702,"end":2762.1702,"sentiment":"neutral","sentiment_score":-0.16662508249282837},{"text":"Yeah.","start":2765.095,"end":2765.595,"sentiment":"neutral","sentiment_score":-0.18594948947429657},{"text":"Yes.","start":2781.6301,"end":2782.1301,"sentiment":"neutral","sentiment_score":-0.0014225095510482788},{"text":"Yes.","start":2790.51,"end":2791.01,"sentiment":"neutral","sentiment_score":0.016731390729546547}],"sentiment":"neutral","sentiment_score":-0.0942660491913557,"num_words":5,"start":2751.27,"end":2791.01},{"sentences":[{"text":"Yes.","start":2791.15,"end":2791.65,"sentiment":"neutral","sentiment_score":-0.007555747404694557},{"text":"Yeah.","start":2800.275,"end":2800.775,"sentiment":"neutral","sentiment_score":-0.05705083906650543},{"text":"Yeah.","start":2804.835,"end":2805.335,"sentiment":"neutral","sentiment_score":-0.07898980379104614},{"text":"It is.","start":2810.35,"end":2811.01,"sentiment":"neutral","sentiment_score":-0.07759753987193108},{"text":"Yeah.","start":2812.03,"end":2812.53,"sentiment":"neutral","sentiment_score":-0.07029266655445099}],"sentiment":"neutral","sentiment_score":-0.06151402276009321,"num_words":6,"start":2791.15,"end":2812.53},{"sentences":[{"text":"Yeah.","start":2814.51,"end":2815.01,"sentiment":"neutral","sentiment_score":-0.09715202450752258},{"text":"Yeah.","start":2822.415,"end":2822.915,"sentiment":"neutral","sentiment_score":-0.12677016854286194},{"text":"Yeah.","start":2826.175,"end":2826.675,"sentiment":"neutral","sentiment_score":-0.2417769581079483},{"text":"It it's very, very difficult.","start":2826.8152,"end":2828.915,"sentiment":"negative","sentiment_score":-0.49468535780906675},{"text":"It is.","start":2828.975,"end":2829.375,"sentiment":"negative","sentiment_score":-0.3929434269666672}],"sentiment":"negative","sentiment_score":-0.3725012794137001,"num_words":10,"start":2814.51,"end":2829.375},{"sentences":[{"text":"It is.","start":2829.375,"end":2829.855,"sentiment":"neutral","sentiment_score":-0.29771852493286133},{"text":"And we're just, you know, biding time.","start":2829.855,"end":2831.695,"sentiment":"neutral","sentiment_score":-0.24844373762607574},{"text":"I'm keeping her going for a bit longer.","start":2831.695,"end":2833.615,"sentiment":"neutral","sentiment_score":-0.27527591213583946},{"text":"And she knows as soon as she's because you can apply for age pension when you're thirteen weeks away from age 67 currently.","start":2833.615,"end":2840.8398,"sentiment":"neutral","sentiment_score":-0.11033009737730026},{"text":"So once she hits that thirteen week period, we are hitting that ground running and we're doing it.","start":2840.8398,"end":2846.1199,"sentiment":"neutral","sentiment_score":0.15143585494822925}],"sentiment":"neutral","sentiment_score":-0.07497409243008187,"num_words":58,"start":2829.375,"end":2846.1199},{"sentences":[{"text":"And the same thing for you guys because I know you're over 60, so you'll reach 67 before Peter will.","start":2846.1199,"end":2851.5,"sentiment":"neutral","sentiment_score":0.04265002366155386},{"text":"So when you get to that point, you and I can have that conversation.","start":2852.135,"end":2855.675,"sentiment":"neutral","sentiment_score":0.12381537205406598},{"text":"I can do some math and run some numbers and see what we do and, you know, how we maybe maneuver some money to make it worthwhile so you guys are eligible and keep as much age pension as possible because, you know, you've worked really hard.","start":2855.815,"end":2868.48,"sentiment":"neutral","sentiment_score":0.13983914097572894},{"text":"You deserve these sorts of things and a little bit of that age no.","start":2868.48,"end":2876.24,"sentiment":"neutral","sentiment_score":0.036514791493703215},{"text":"It depends on what he is earning.","start":2876.24,"end":2878.1,"sentiment":"neutral","sentiment_score":-0.11487954429217748}],"sentiment":"neutral","sentiment_score":0.0869206429285673,"num_words":102,"start":2846.1199,"end":2878.1},{"sentences":[{"text":"So if he's earning on the kind of income he is at the moment, there's a very real opportunity you may not be eligible because they work.","start":2878.6401,"end":2885.2249,"sentiment":"neutral","sentiment_score":-0.059464093297719955},{"text":"You get the assets test and the income test, and the one that gives you the lower rate of pay is the one they go with.","start":2885.285,"end":2891.625,"sentiment":"neutral","sentiment_score":0.0019314818872282137},{"text":"But we can but we can also look at, you know, maneuvering some things.","start":2892.405,"end":2898.2002,"sentiment":"neutral","sentiment_score":-0.004397999428744827},{"text":"I can find ways to I have legitimate legal ways to hide money or to we call it sheltering of funds so that it's either not assessable or the accessibility by Centrelink is lowered because of the asset it is.","start":2898.5,"end":2914.175,"sentiment":"neutral","sentiment_score":0.004995433520525694},{"text":"And I can work out both the income and assets test and do the math calculation to work out how it work and what it looks like for you guys.","start":2914.715,"end":2922.45,"sentiment":"neutral","sentiment_score":0.0702791603282094}],"sentiment":"neutral","sentiment_score":0.0050460450269662555,"num_words":137,"start":2878.6401,"end":2922.45},{"sentences":[{"text":"So there's definitely some things.","start":2922.45,"end":2925.51,"sentiment":"neutral","sentiment_score":0.011375783383846283},{"text":"Not necessarily not necessarily.","start":2929.73,"end":2931.51,"sentiment":"neutral","sentiment_score":-0.02371848886832595},{"text":"I've got some really cool other things that we can look at to shelter money so that you have access to money when you need it, but the the the Centrelink isn't assessing it the same way as they would your super.","start":2931.89,"end":2944.6848,"sentiment":"neutral","sentiment_score":0.02433327722939707},{"text":"Yeah.","start":2947.305,"end":2947.625,"sentiment":"positive","sentiment_score":0.49844974279403687},{"text":"It is pretty cool.","start":2947.625,"end":2948.585,"sentiment":"positive","sentiment_score":0.6137399524450302}],"sentiment":"neutral","sentiment_score":0.07031093138669219,"num_words":56,"start":2922.45,"end":2948.585},{"sentences":[{"text":"It is pretty cool.","start":2948.585,"end":2949.4648,"sentiment":"positive","sentiment_score":0.4540173038840294},{"text":"I I love it.","start":2949.4648,"end":2950.41,"sentiment":"positive","sentiment_score":0.6521749347448349},{"text":"It's funny because one of my best friends works for Centrelink, so her job is to give you the least amount of money, and my job's to get you the most.","start":2950.49,"end":2956.8298,"sentiment":"positive","sentiment_score":0.3851253621039852},{"text":"Yeah.","start":2962.5698,"end":2963.0698,"sentiment":"neutral","sentiment_score":0.0766831785440445},{"text":"Yeah.","start":2964.555,"end":2965.055,"sentiment":"neutral","sentiment_score":0.012966398149728777}],"sentiment":"positive","sentiment_score":0.40130011601055543,"num_words":41,"start":2948.585,"end":2965.055},{"sentences":[{"text":"Yeah.","start":2974.7148,"end":2975.2148,"sentiment":"neutral","sentiment_score":0.14426985383033752},{"text":"Absolutely.","start":2976.395,"end":2976.895,"sentiment":"neutral","sentiment_score":0.1510194092988968},{"text":"Yeah.","start":2979.05,"end":2979.37,"sentiment":"neutral","sentiment_score":0.07492337375879288},{"text":"Abs absolutely.","start":2979.37,"end":2980.43,"sentiment":"neutral","sentiment_score":0.07909224182367325},{"text":"As I said, just make mention, there's no obligation, but as much as it's always better to try and do things as early as possible, it's also gotta be within someone's comfort level.","start":2980.81,"end":2988.89,"sentiment":"neutral","sentiment_score":0.10928740058884476}],"sentiment":"neutral","sentiment_score":0.10881266684124344,"num_words":38,"start":2974.7148,"end":2988.89},{"sentences":[{"text":"So when they're ready, I will be there at any time they are not.","start":2988.89,"end":2992.65,"sentiment":"neutral","sentiment_score":0.04966303559818438},{"text":"Okay?","start":2992.65,"end":2993.15,"sentiment":"neutral","sentiment_score":0.03988899663090706},{"text":"Yeah.","start":2994.225,"end":2994.725,"sentiment":"neutral","sentiment_score":0.10138171166181564},{"text":"All good.","start":2995.5852,"end":2996.3252,"sentiment":"positive","sentiment_score":0.386491984128952},{"text":"That's essentially what I needed to go through with you guys.","start":2996.625,"end":2999.8252,"sentiment":"neutral","sentiment_score":0.04978702115741643}],"sentiment":"neutral","sentiment_score":0.07438601405713065,"num_words":29,"start":2988.89,"end":2999.8252},{"sentences":[{"text":"I do have a little section at the bottom there just recommending that you still review your existing will.","start":2999.8252,"end":3005.6052,"sentiment":"neutral","sentiment_score":0.04851348031508295},{"text":"Retaining the insurances that you have at the moment, your your Peter's life and CBD and your life cover with real, just because you're still comfortable with the level of cover, but we'll keep reviewing those down the track as well.","start":3006.145,"end":3017.97,"sentiment":"neutral","sentiment_score":0.07270475086279032},{"text":"Yeah.","start":3029.295,"end":3029.695,"sentiment":"neutral","sentiment_score":-0.014042193070054054},{"text":"The biggest thing I sort of think of is life insurance is important in my view when you have a mortgage and or some sort of debt that needs to be paid out.","start":3029.695,"end":3040.03,"sentiment":"neutral","sentiment_score":-0.05210559070110321},{"text":"The other thing the other reason I kind of kept your super where it was was one of the other goals down the track was that you were wanting to maybe sell the property.","start":3040.03,"end":3047.65,"sentiment":"neutral","sentiment_score":-0.037711448310052645}],"sentiment":"neutral","sentiment_score":0.006929179551661946,"num_words":128,"start":2999.8252,"end":3047.65},{"sentences":[{"text":"So is that still something you're looking to do medium term, maybe sell the house and buy something smaller or yeah.","start":3049.275,"end":3056.655,"sentiment":"neutral","sentiment_score":-0.04064516261929557},{"text":"Yeah.","start":3062.54,"end":3063.04,"sentiment":"neutral","sentiment_score":0.028597209602594376},{"text":"Yeah.","start":3069.82,"end":3070.32,"sentiment":"neutral","sentiment_score":-0.1103905737400055},{"text":"It's a lot.","start":3070.78,"end":3071.76,"sentiment":"neutral","sentiment_score":-0.08715324352184932},{"text":"Yeah.","start":3086.015,"end":3086.515,"sentiment":"neutral","sentiment_score":-0.14260613918304443}],"sentiment":"neutral","sentiment_score":-0.04960769069967447,"num_words":27,"start":3049.275,"end":3086.515},{"sentences":[{"text":"Yeah.","start":3087.055,"end":3087.555,"sentiment":"neutral","sentiment_score":-0.1683213710784912},{"text":"Yeah.","start":3091.81,"end":3092.31,"sentiment":"neutral","sentiment_score":-0.08788393437862396},{"text":"Yeah.","start":3106.0652,"end":3106.225,"sentiment":"neutral","sentiment_score":-0.1660542190074921},{"text":"Yeah.","start":3106.225,"end":3106.725,"sentiment":"neutral","sentiment_score":-0.14776480197906494},{"text":"The the things do accumulate.","start":3106.7852,"end":3108.245,"sentiment":"neutral","sentiment_score":-0.2897807896137238}],"sentiment":"neutral","sentiment_score":-0.224325363834699,"num_words":9,"start":3087.055,"end":3108.245},{"sentences":[{"text":"Yeah.","start":3110.865,"end":3111.365,"sentiment":"neutral","sentiment_score":-0.11024539172649384},{"text":"Yep.","start":3122.47,"end":3122.97,"sentiment":"neutral","sentiment_score":-0.08004804700613022},{"text":"Yep.","start":3123.11,"end":3123.61,"sentiment":"neutral","sentiment_score":-0.05441158637404442},{"text":"Yep.","start":3123.83,"end":3124.33,"sentiment":"neutral","sentiment_score":-0.03695888817310333},{"text":"Yeah.","start":3127.75,"end":3128.25,"sentiment":"neutral","sentiment_score":-0.10957539826631546}],"sentiment":"neutral","sentiment_score":-0.07824786230921746,"num_words":5,"start":3110.865,"end":3128.25},{"sentences":[{"text":"Yeah.","start":3130.31,"end":3130.81,"sentiment":"neutral","sentiment_score":-0.04294217750430107},{"text":"Yeah.","start":3141.785,"end":3142.285,"sentiment":"neutral","sentiment_score":0.006220543757081032},{"text":"Mhmm.","start":3151.61,"end":3152.11,"sentiment":"neutral","sentiment_score":-0.01491810567677021},{"text":"Yep.","start":3153.61,"end":3154.11,"sentiment":"neutral","sentiment_score":-0.028538046404719353},{"text":"Yes.","start":3155.93,"end":3156.43,"sentiment":"neutral","sentiment_score":0.0906740576028824}],"sentiment":"neutral","sentiment_score":0.0020992543548345594,"num_words":5,"start":3130.31,"end":3156.43},{"sentences":[{"text":"Yes.","start":3164.485,"end":3164.985,"sentiment":"neutral","sentiment_score":0.21050669252872467},{"text":"Yeah.","start":3170.405,"end":3170.905,"sentiment":"neutral","sentiment_score":0.24231581389904025},{"text":"Yeah.","start":3180.86,"end":3181.18,"sentiment":"neutral","sentiment_score":0.2559925317764282},{"text":"Definitely.","start":3181.18,"end":3181.68,"sentiment":"neutral","sentiment_score":0.32273563742637634},{"text":"Yep.","start":3182.06,"end":3182.3801,"sentiment":"neutral","sentiment_score":0.30540400743484497}],"sentiment":"neutral","sentiment_score":0.2673909366130829,"num_words":5,"start":3164.485,"end":3182.3801},{"sentences":[{"text":"Well, when you get to that point, yeah, if you still have the money and see, but we'll look at what we can do.","start":3182.3801,"end":3187.12,"sentiment":"neutral","sentiment_score":0.24483676503101984},{"text":"I mean, another way of sheltering that money from Centrelink is to be able to put it on the home because the home is a 100% exempt.","start":3187.205,"end":3193.605,"sentiment":"positive","sentiment_score":0.40583245511408206},{"text":"So paying down the mortgage and putting the money on the home does sort of benefit you guys.","start":3193.605,"end":3197.545,"sentiment":"positive","sentiment_score":0.5858179893758562},{"text":"But, yeah, you are right.","start":3198.005,"end":3199.045,"sentiment":"neutral","sentiment_score":0.17265439331531524},{"text":"When you get to those to ages with the mortgages and the lending side of things, they are looking for an exit strategy.","start":3199.045,"end":3204.9001,"sentiment":"neutral","sentiment_score":0.023240283617506855}],"sentiment":"neutral","sentiment_score":0.29666062832339524,"num_words":97,"start":3182.3801,"end":3204.9001},{"sentences":[{"text":"They're looking at, you know, if something happened, how are you gonna pay that back if you're not gonna work until you're 90?","start":3204.9001,"end":3210.6,"sentiment":"neutral","sentiment_score":-0.04568140035616639},{"text":"So yeah.","start":3210.6602,"end":3211.96,"sentiment":"neutral","sentiment_score":-0.04111826606094837},{"text":"Yes.","start":3224.095,"end":3224.595,"sentiment":"neutral","sentiment_score":-0.25518012046813965},{"text":"Wow.","start":3227.2148,"end":3227.7148,"sentiment":"neutral","sentiment_score":-0.23366457223892212},{"text":"Wow.","start":3231.1602,"end":3231.6602,"sentiment":"neutral","sentiment_score":-0.08545945584774017}],"sentiment":"neutral","sentiment_score":-0.06097188888816163,"num_words":28,"start":3204.9001,"end":3231.6602},{"sentences":[{"text":"Yeah.","start":3236.28,"end":3236.78,"sentiment":"neutral","sentiment_score":-0.021307535469532013},{"text":"Mhmm.","start":3252.5352,"end":3253.0352,"sentiment":"neutral","sentiment_score":-0.2989600598812103},{"text":"Yes.","start":3263.6602,"end":3264.1602,"sentiment":"neutral","sentiment_score":0.01214611530303955},{"text":"Yeah.","start":3278.9849,"end":3279.4849,"sentiment":"neutral","sentiment_score":-0.10810455679893494},{"text":"Yeah.","start":3281.385,"end":3281.885,"sentiment":"neutral","sentiment_score":-0.07155542075634003}],"sentiment":"neutral","sentiment_score":-0.09755629152059556,"num_words":5,"start":3236.28,"end":3281.885},{"sentences":[{"text":"Yes.","start":3292.24,"end":3292.74,"sentiment":"neutral","sentiment_score":-0.08356815576553345},{"text":"Yep.","start":3295.2,"end":3295.7,"sentiment":"neutral","sentiment_score":-0.10817428678274156},{"text":"Yeah.","start":3301.0452,"end":3301.365,"sentiment":"neutral","sentiment_score":-0.07344737648963928},{"text":"Wow.","start":3301.365,"end":3301.865,"sentiment":"neutral","sentiment_score":-0.13933774828910828},{"text":"Yeah.","start":3304.725,"end":3305.125,"sentiment":"neutral","sentiment_score":-0.1208537295460701}],"sentiment":"neutral","sentiment_score":-0.10507625937461854,"num_words":5,"start":3292.24,"end":3305.125},{"sentences":[{"text":"Wow.","start":3305.125,"end":3305.625,"sentiment":"neutral","sentiment_score":-0.13709157705307007},{"text":"That's crazy, isn't it?","start":3305.925,"end":3307.5452,"sentiment":"neutral","sentiment_score":-0.21144796162843704},{"text":"Yeah.","start":3309.205,"end":3309.705,"sentiment":"neutral","sentiment_score":-0.06187953054904938},{"text":"Wow.","start":3309.7651,"end":3310.165,"sentiment":"neutral","sentiment_score":-0.06772255152463913},{"text":"Yeah.","start":3310.165,"end":3310.325,"sentiment":"neutral","sentiment_score":-0.08822520822286606}],"sentiment":"neutral","sentiment_score":-0.1500888392329216,"num_words":8,"start":3305.125,"end":3310.325},{"sentences":[{"text":"I know my house insurance has skyrocketed again with the 2022 floods in Northern New South Wales.","start":3310.325,"end":3316.1199,"sentiment":"neutral","sentiment_score":-0.1960648832952275},{"text":"And then and then the cycling thing last year, I think my flood levy went up to just over $1,000.","start":3316.1199,"end":3324.5999,"sentiment":"neutral","sentiment_score":-0.07937407605350018},{"text":"I paid $3 just to insure my house this year.","start":3324.5999,"end":3327.275,"sentiment":"neutral","sentiment_score":-0.0863666009157896},{"text":"Shocking.","start":3327.275,"end":3327.775,"sentiment":"negative","sentiment_score":-0.3983732461929322},{"text":"I nearly cried.","start":3327.835,"end":3328.895,"sentiment":"neutral","sentiment_score":-0.2813795904318492}],"sentiment":"neutral","sentiment_score":-0.13777965811245582,"num_words":51,"start":3310.325,"end":3328.895},{"sentences":[{"text":"Yeah.","start":3340.1,"end":3340.5,"sentiment":"neutral","sentiment_score":-0.05270849168300629},{"text":"Wow.","start":3340.5,"end":3341.0,"sentiment":"neutral","sentiment_score":-0.049249038100242615},{"text":"It's a lot.","start":3342.5,"end":3343.32,"sentiment":"neutral","sentiment_score":-0.04123842716217041},{"text":"Yeah.","start":3347.46,"end":3347.96,"sentiment":"neutral","sentiment_score":-0.0790802538394928},{"text":"Yes.","start":3358.315,"end":3358.815,"sentiment":"neutral","sentiment_score":0.111433744430542}],"sentiment":"neutral","sentiment_score":-0.02761704581124442,"num_words":7,"start":3340.1,"end":3358.815},{"sentences":[{"text":"Yes.","start":3359.275,"end":3359.775,"sentiment":"neutral","sentiment_score":0.1646503061056137},{"text":"Yeah.","start":3368.555,"end":3369.055,"sentiment":"neutral","sentiment_score":-0.26029545068740845},{"text":"Yeah.","start":3396.385,"end":3396.885,"sentiment":"neutral","sentiment_score":-0.1999667286872864},{"text":"Wow.","start":3399.62,"end":3400.12,"sentiment":"neutral","sentiment_score":-0.06646183133125305},{"text":"Wow.","start":3401.3,"end":3401.8,"sentiment":"neutral","sentiment_score":-0.040737688541412354}],"sentiment":"neutral","sentiment_score":-0.0805622786283493,"num_words":5,"start":3359.275,"end":3401.8},{"sentences":[{"text":"Yep.","start":3407.22,"end":3407.72,"sentiment":"neutral","sentiment_score":0.006923945154994726},{"text":"Yeah.","start":3407.86,"end":3408.34,"sentiment":"neutral","sentiment_score":0.00017900951206684113},{"text":"Makes sense.","start":3408.34,"end":3409.1602,"sentiment":"neutral","sentiment_score":-0.0428942795842886},{"text":"Yeah.","start":3409.86,"end":3410.1802,"sentiment":"neutral","sentiment_score":0.07267904281616211},{"text":"Definitely.","start":3410.1802,"end":3410.6802,"sentiment":"neutral","sentiment_score":0.14949682354927063}],"sentiment":"neutral","sentiment_score":0.023915043643986184,"num_words":6,"start":3407.22,"end":3410.6802},{"sentences":[{"text":"Find it and see what they come out with.","start":3410.9001,"end":3412.4202,"sentiment":"neutral","sentiment_score":0.07850632444024086},{"text":"You just never know.","start":3412.4202,"end":3413.22,"sentiment":"neutral","sentiment_score":-0.09467172436416149},{"text":"You might win.","start":3413.22,"end":3414.02,"sentiment":"neutral","sentiment_score":-0.037044634421666466},{"text":"You might be a you might be able to convince them.","start":3414.02,"end":3421.375,"sentiment":"neutral","sentiment_score":-0.1706307205286893},{"text":"Yeah.","start":3436.4502,"end":3436.85,"sentiment":"neutral","sentiment_score":-0.10135878622531892}],"sentiment":"neutral","sentiment_score":-0.06291287831429924,"num_words":28,"start":3410.9001,"end":3436.85},{"sentences":[{"text":"I mean, when I've changed insurance, I've never had to give them any of the documents.","start":3436.85,"end":3441.1902,"sentiment":"neutral","sentiment_score":-0.03941009344998747},{"text":"I've just had to tell them I had it.","start":3441.33,"end":3443.35,"sentiment":"neutral","sentiment_score":-0.08893640587727229},{"text":"No.","start":3443.73,"end":3444.23,"sentiment":"neutral","sentiment_score":-0.03923001140356064},{"text":"So yes.","start":3445.455,"end":3446.5151,"sentiment":"neutral","sentiment_score":0.03171654976904392},{"text":"Interesting.","start":3446.655,"end":3447.155,"sentiment":"neutral","sentiment_score":0.1685851812362671}],"sentiment":"neutral","sentiment_score":-0.042696582024981236,"num_words":29,"start":3436.85,"end":3447.155},{"sentences":[{"text":"Be worth be worth looking at.","start":3447.5352,"end":3449.2952,"sentiment":"neutral","sentiment_score":0.18410882353782654},{"text":"Yeah.","start":3449.2952,"end":3449.6152,"sentiment":"neutral","sentiment_score":0.02121986448764801},{"text":"Wow.","start":3449.6152,"end":3450.1152,"sentiment":"neutral","sentiment_score":-0.013218069449067116},{"text":"Wow.","start":3451.215,"end":3451.715,"sentiment":"neutral","sentiment_score":-0.1032407358288765},{"text":"Yeah.","start":3471.195,"end":3471.695,"sentiment":"neutral","sentiment_score":-0.0050100404769182205}],"sentiment":"neutral","sentiment_score":0.10044039599597454,"num_words":10,"start":3447.5352,"end":3471.695},{"sentences":[{"text":"Absolutely.","start":3471.915,"end":3472.415,"sentiment":"neutral","sentiment_score":0.03889387100934982},{"text":"Wow.","start":3473.2751,"end":3473.7751,"sentiment":"neutral","sentiment_score":0.0115213580429554},{"text":"Yeah.","start":3477.675,"end":3478.175,"sentiment":"neutral","sentiment_score":-0.07611937820911407},{"text":"K.","start":3479.8352,"end":3480.3352,"sentiment":"neutral","sentiment_score":-0.0980047881603241},{"text":"Yeah.","start":3481.115,"end":3481.615,"sentiment":"neutral","sentiment_score":-0.07703237235546112}],"sentiment":"neutral","sentiment_score":-0.040148261934518814,"num_words":5,"start":3471.915,"end":3481.615},{"sentences":[{"text":"Yeah.","start":3488.81,"end":3489.21,"sentiment":"neutral","sentiment_score":0.010356951504945757},{"text":"Wow.","start":3489.21,"end":3489.71,"sentiment":"neutral","sentiment_score":0.04156411439180374},{"text":"Wow.","start":3490.01,"end":3490.51,"sentiment":"neutral","sentiment_score":0.06900763511657715},{"text":"Well, yeah, hopefully, they get that passed down for you a little bit.","start":3492.17,"end":3494.97,"sentiment":"neutral","sentiment_score":0.1369435669711003},{"text":"Then I'll look at I will I'm sorry.","start":3494.97,"end":3497.025,"sentiment":"neutral","sentiment_score":0.0012231164146214724}],"sentiment":"neutral","sentiment_score":0.07962416678977509,"num_words":24,"start":3488.81,"end":3497.025},{"sentences":[{"text":"I'll send you an email after the call if you like.","start":3497.025,"end":3499.105,"sentiment":"neutral","sentiment_score":0.012853987684304064},{"text":"If you wanna send me a statement, I can have a look at the difference in the mortgage for you.","start":3499.105,"end":3503.6848,"sentiment":"neutral","sentiment_score":0.0005896209739148616},{"text":"I I also did just pull up a report for you real quick as well.","start":3504.305,"end":3507.9048,"sentiment":"neutral","sentiment_score":0.13420837720235188},{"text":"So your portfolio over the last twelve months has returned at 8.65%.","start":3507.9048,"end":3513.35,"sentiment":"neutral","sentiment_score":0.18920589362581572},{"text":"That's a return for growth and income of over 9,002 September, so an eight percent return.","start":3514.05,"end":3521.4302,"sentiment":"neutral","sentiment_score":0.2499665478244424}],"sentiment":"neutral","sentiment_score":0.11400334365867279,"num_words":74,"start":3497.025,"end":3521.4302},{"sentences":[{"text":"So even without contributions, there is a possibility you can still get great returns and compounding out of your super.","start":3521.4902,"end":3527.83,"sentiment":"neutral","sentiment_score":0.3128703527152538},{"text":"So it can be done.","start":3529.385,"end":3530.685,"sentiment":"neutral","sentiment_score":0.1155502125620842},{"text":"Yeah.","start":3530.825,"end":3531.325,"sentiment":"neutral","sentiment_score":0.1864212304353714},{"text":"So it can definitely be done, but it's also gotta be something that you're comfortable with.","start":3531.465,"end":3535.785,"sentiment":"neutral","sentiment_score":0.24290750361979008},{"text":"So feel free to have it read to the document.","start":3535.785,"end":3539.145,"sentiment":"neutral","sentiment_score":0.15713724195957185}],"sentiment":"neutral","sentiment_score":0.23998984278967747,"num_words":52,"start":3521.4902,"end":3539.145},{"sentences":[{"text":"Let me know if you have any additional questions.","start":3539.145,"end":3540.905,"sentiment":"neutral","sentiment_score":0.15433455175823635},{"text":"If you're happy to take it on board and wanna suddenly go through the switch and take the advice, I'll get you to sign and return it back.","start":3540.905,"end":3548.7998,"sentiment":"positive","sentiment_score":0.4392771076943193},{"text":"In the meantime, if you send me a statement, and I'll send you an email after the call as well, And I can go back and just do some additional research there for you, and I can send you a a comparison on what it might look like if you paid this money off the mortgage and what kind of interest you might save just so you can see the difference there.","start":3548.7998,"end":3568.655,"sentiment":"neutral","sentiment_score":0.1691597326555186},{"text":"Okay?","start":3568.715,"end":3569.215,"sentiment":"neutral","sentiment_score":0.12064659595489502},{"text":"Yeah.","start":3571.0,"end":3571.4,"sentiment":"neutral","sentiment_score":0.19060784578323364}],"sentiment":"neutral","sentiment_score":0.23585157814595076,"num_words":111,"start":3539.145,"end":3571.4},{"sentences":[{"text":"Oh, good.","start":3571.4,"end":3572.22,"sentiment":"neutral","sentiment_score":0.18847496062517166},{"text":"I have got something back at this high sign.","start":3575.0,"end":3577.74,"sentiment":"neutral","sentiment_score":0.09146070894267824},{"text":"That's okay.","start":3580.0398,"end":3580.8599,"sentiment":"positive","sentiment_score":0.3725774735212326},{"text":"Look.","start":3581.24,"end":3581.48,"sentiment":"neutral","sentiment_score":0.31076815724372864},{"text":"We'll make the changes for you anyway.","start":3581.48,"end":3583.5598,"sentiment":"positive","sentiment_score":0.3425912857055664}],"sentiment":"neutral","sentiment_score":0.22162659075998126,"num_words":21,"start":3571.4,"end":3583.5598},{"sentences":[{"text":"And then if you ever decide you if you decide you wanna pull it out, let me know.","start":3583.5598,"end":3587.105,"sentiment":"neutral","sentiment_score":0.17666824410359064},{"text":"You've got me here.","start":3587.105,"end":3587.985,"sentiment":"positive","sentiment_score":0.42678193002939224},{"text":"You can use me to your full advantage.","start":3587.985,"end":3589.745,"sentiment":"positive","sentiment_score":0.5070740729570389},{"text":"I can do as much research as you want, and we can talk about all the options that are viable to you as well.","start":3589.745,"end":3595.125,"sentiment":"positive","sentiment_score":0.3739871432383855},{"text":"Okay?","start":3595.185,"end":3595.685,"sentiment":"neutral","sentiment_score":0.148443341255188}],"sentiment":"neutral","sentiment_score":0.32850697230209003,"num_words":55,"start":3583.5598,"end":3595.685},{"sentences":[{"text":"Oh, you too.","start":3598.24,"end":3599.14,"sentiment":"positive","sentiment_score":0.5111583471298218},{"text":"Anytime, Yvonne.","start":3600.0798,"end":3601.2,"sentiment":"neutral","sentiment_score":0.2965676188468933},{"text":"Thank you so much.","start":3601.2,"end":3602.16,"sentiment":"positive","sentiment_score":0.8027000278234482},{"text":"Have a really great week.","start":3602.16,"end":3603.5198,"sentiment":"positive","sentiment_score":0.7930935263633728},{"text":"I'll talk to you soon.","start":3603.5198,"end":3604.8198,"sentiment":"positive","sentiment_score":0.46457127928733827}],"sentiment":"positive","sentiment_score":0.6118807588752947,"num_words":19,"start":3598.24,"end":3604.8198},{"sentences":[{"text":"Thanks.","start":3606.64,"end":3607.14,"sentiment":"positive","sentiment_score":0.5977987051010132},{"text":"See you later.","start":3607.2,"end":3607.8398,"sentiment":"positive","sentiment_score":0.4700603385766347},{"text":"Bye.","start":3607.8398,"end":3608.3398,"sentiment":"neutral","sentiment_score":-0.07069839537143707}],"sentiment":"positive","sentiment_score":0.38745626509189607,"num_words":5,"start":3606.64,"end":3608.3398}]}}]},{"alternatives":[{"transcript":"Hello. This is Yvonne. I'm good. And yourself? Yes. Great. Yep. Yep. Yeah. On our phones. Is that alright? Yep. Yes. He is. Yeah. He's here. Yeah. Not too bad. Let me just yell at this cockatoo. Hold on a minute. Shut up. Stop it. That'll last thirty seconds. He wants to get out. Yeah. Cockatoo. Yeah. It drives us nuts. Okay. We're right. There you go. Down in Charlotte. Yep. I got that. Yeah. That's fine. Yep. 1964. 30 Green Avenue, Glenley 4711. Mhmm. Yes. Yeah. Yeah. Yeah. Yeah. Twenty one days and all for seven. Yeah. Three on three on, one off. It's up in the Northern Territory, so they can't afford to come back and forth, I suppose. Hey. Listen. I didn't get anything through on my email, so I don't know. I got yours, but Oh, you've got mine. Trying to do it with Ned and Micron. Yeah. Okay. That's alright. We'll just do it on his phone. That's okay. Alright. Sign that, Ethan. That's yours. I'm listening to Dana Love. Yeah. I know. So she's telling me. Go into there and sign it. Sign that. Yep. Yep. He sent me Hold on a minute, Donna. He sent me both of yours. Two of yours, not two of yours. He hasn't got one of his. He's got two emails and both of mine. Oh, it doesn't matter. He's got it. I'm both on the same thing, ma'am. Yeah. I don't I don't get I don't get his emails anymore. I would like to, but they won't come through on my new phone. I can't set it up. Yeah. I don't know how to do it. He doesn't would Yeah. Mhmm. Yep. Yep. Yeah. I noticed that. Yeah. Yeah. How do I get to that again, ma'am? Page 20. You're the best to be on. Hang on. Hang on. 20. Yep. Page 20. Yeah. Yep. Yeah. I stayed by the longest more than 64,000. Yep. Yep. Yes. Yes. Yeah. Yep. Yep. Yep. Yeah. I think I think it's already gone. Yeah. It's got a dim red, but it's all solved. Yeah. Alright. Yep. Yeah. Because I kept looking at me net me so far and thinking, I could never retire off this. But anyway Yeah. So if I if I figure out what I should have been paid in super off of my employers, Are you able to have a look to see if it has been all been paid? Yeah. Because I've I've I've every time I go on a Netwealth, I can't see it all being paid. So over the last year, I'm gonna go through it, and I'll I'll do up a list. And even if I email it to you and just see if it's all been paid, because I've got I've still got I've still got every time sheet. So yep. Yeah. Yeah. No. That's alright. Yeah. Because because out of all the the twelve months, I kept watching me super go down. And I thought, how could that be when Because it's been the market. Yeah. It's yeah. No. I know. But then I think, well, a thousand dollars got paid this week this this week. So how can I go down that much? Because it's a market. Yeah. It is the market. I understand that. But When the war when the war broke out. Alright. Oh, no. No. Yep. Mister freaking Trump, and he's right our deal. Yeah. Terrible. What what got me, Diana, was the day before the war started, no one even knew the war gonna start. His son bought 30,000,000 shares in oil. Yeah. But I reckon he was tipped off. Of course. He was tipped off. Yeah. Yeah. Yeah. Of course. He's created he's created a fantastic market for for the mall over there. Just ridiculous. Yep. Yep. Yep. Mhmm. Mhmm. Yeah. Mhmm. Yep. Yep. And they're out. Mhmm. Yes. Yep. Yep. Yep. Yep. Yep. Yeah. Yeah. So what is on a a core competent comp composite bond, it's got an oh, you've got shares already in that, have you? Oh, yeah. Yep. Yeah. Right. Yeah. I see all that. Yeah. I see that it everything in green, you're buying, and everything in red, you're selling. Yep. Yeah. Yep. Yep. Okay. Yep. Yep. Yep. Yep. I can't say that. Yeah. Yep. Yep. Alright. Yes. No. That's okay. Yep. Not a problem. Yep. Yep. Oh, okay. Yep. Yep. Mhmm. Okay. He's just getting it up on his phone. Before before we start though, I I because mine's not probably gonna grow because I'm not working anymore, I I can't help but wonder whether I would make more money by putting it all on my house. Yes. Yes. Yeah. Do do I have to pay do I does cap does what did you just say to Peter? Capital gains come into it when you're just getting it out for retirement purposes? Like, do you still pay cap it does. Yeah. Right. Oh, okay. Yep. Yep. Yep. Yep. Yeah. Okay. Well, I'm not gonna have any I'm not gonna have much growth because I'm not contributing. You know what I mean? And, like, I I don't know. I'm I would have to it would take me a lot more than what it would take you to figure out what what was worthwhile and what wasn't. You know? Like, with the small amount that I've got in super, and you were saying to Peter that it could be 17% at its best, Is that is that what you could I could possibly increase my super buy without con contributions? Oh, his mine would be different. Yeah. Yeah. Yep. But what but what but what does that get what does that get us really? Like, wouldn't it be better off just staying in in his super and being a larger super that we can't get our greedy little hands on? Yeah. I reckon. I I don't really need to see mine growing and his being less. You know what I mean? It's I just know that I can get at mine. I'm able to get at mine, and would it be better sitting on our our house loan our house loan is almost to 300,000, but that's with money sitting on it. I I already have 80,000 sitting on it. So I would be essentially putting another 110 on it if I was to get it all out of super. So it would, you know, would take take it down to about 200,000. And I was just wondering how how much of a savings I would make on interest, paying interest. You know? I don't know. I just yep. Yep. Yes. Yep. Okay. I'm on the yep. Mhmm. Yep. Yep. Yep. Yep. Yep. Mhmm. Mhmm. Yes. Yes. Yep. Yep. Mhmm. Yep. Yep. Yes. Mhmm. Yes. Yes. Yes. Yes. Okay. Mhmm. We're pretty confident in you, Dana. We're we're happy to go with this what you do for us now. You you're watching you're watching it all the time. Like, as you said, if anything dramatic gonna happen, you'll let me know to get it out. I'm happy with that. Yeah. So it's all good. Yeah. Yeah. Yes. Yes. Yep. Alright then. Yep. I got it. Oh, okay. So does that mean so gold makes it so when you have it in gold, how does it work for you if it's not coming back to you? I don't understand. I'm a bit dumb. Sorry. When you say income. Mhmm. Yes. Yep. Yep. You would sell it for. Yep. Yep. Okay. And how does that compare to something else? Mhmm. Okay. Yep. Okay. I'm with you. Okay. But that just comes back to super. In goes into your cash. Right. Okay. I'm with you. Yep. Yep. Okay. So so it so it also still is how much you bought it for and how much you could sell it for, but it also is depositing cash into your cash amount. Yeah. Right. Yeah. Right. Okay. Because I okay. Yeah. I'm with you. Yeah. I've been watching Gold because I have this one little pizzly nugget. It's actually a tail, a t a e l, and it's 37.5 grams. And someone paid it to gave it to me in exchange for me selling something. I'm I think probably only five years ago, and and I I sold a donger for for $2. And he said, you know, would you like the you'd like cash or would you like this piece of gold? And I said, oh, I think I might be interested in gold. So, yeah, that that's worth $8.08 and a half thousand now. No. But I wish I had more. More would be better than one little tiny 37.5 grams of gold. Yeah. Yeah. It has. Yeah. I've been looking at it. I've been looking at it. When I when I when I when I said yes to it, I did look it up to see if if he was it was my nephew, so I sort of believed him. I didn't do it there on the spot. But when but when we exchanged it, I did get on and have a look and thought, oh, no. He is right. It is worth that. Yeah. That's good. But, yeah, that's been going on. And my daughter, they decided to buy silver, and now they wish they had bought more too. They only bought it last year, and it's already doubled. Two big two ingots, you know, two very large ingots of silver. But I said, oh, you you can only we're not rich, so you just do what you know you can afford to lose type of thing. Like, you can you you're not you're not she's not gonna lose, but, you know, she said, oh, geez. I wish we'd have bought more. And I said, yeah. But you didn't you didn't know it was gonna double and go up twice a month. You know? Yeah. It's always nice to say it's always nice to say, oh, I should've done it. I should've done it. But had it dropped, they would've been glad they hadn't. Yeah. Well, Maddie did well, Maddie did something herself when it comes to shares as well, but it was just something really little. And she reckons that that's growing too, but she does put a little bit of money into that too. But I think she's sort of holding back to try and she doesn't know when she can swap to use to do anything. I don't I don't know how much money she's got in super, but Keegan has got 40, I think, but she would probably be equivalent to him. But she's about ready to go on maternity leave, So I don't know how long that's gonna last. You know? She's gonna probably have twelve months maternity, and then I don't know if she's gonna go back or not to earn more super. Yeah. Yes. I would I just wish my I just wish my sister would take you up on on I recorded our conversation with you that I had with you so I could play it to her and she said, oh, yeah. It sounds like something we really need to do, but they haven't done anything. They've done nothing. They're just living off their money in the bank, and I just and and she did confide at me and tell me that it's 1 and a half million that they've got to be in the bank. It's probably not earning them anything, Dana. Probably not earning them anything at all. You know? I don't know. Yeah. Yes. Yes. Yeah. Yeah. Yes. Yes. Yes. I just I just thought the sooner that they did it, the sooner that they could be making money to live off of instead of dwindling it away. You know? I just you know, like, as they spend it, like, at with that amount of money, they can't get anything from the government. Nothing. So they must be living they must be living out of their bank. So I just think to myself that, like, you they I think they would be really surprised at how much they don't they wouldn't even have to put all of it in. They wouldn't even have to give you all of their money to manage. So you could just allocate half of it or something. But, you know yeah. But, anyway, I haven't really had the chance since I last spoke to you to sit down and say, have you made any decisions? I just know that she hasn't said, hey. Could you set up a meeting with me with Dana? So there's been a little bit there's been a little bit on in the family. So perhaps, you know, once she gets a bit more settled, she might approach me or I might approach her eventually again. Yeah. So that I yeah. Yep. Very secure. Yeah. Yep. Yes. No. Yeah. Yeah. Yep. Yes. Yep. Mhmm. Yep. Mhmm. Mhmm. Yes. Yes. And that all that all came that all came from dividends. Is that right? Yep. Mhmm. Okay. Okay. Mhmm. Yep. Yep. Yep. All good. Mhmm. Mhmm. Yep. Yep. Mhmm. No. Okay. Mhmm. Yes. Yeah. Mhmm. Yeah. I don't expect either of us to let last that long. No. I'm aiming for I reckon I'm aiming for early eighties. I reckon I'm too much like my mother. No. But but but 90 the 90 sound is very encouraging. So, yeah, you're on a good good track there. Yeah. Mhmm. Yes. Yes. Yeah. The thing is is as you are speaking and saying this over and over again, I'm starting to think that it it will be it won't be ten years. I really don't think I don't think Peter will I don't think Peter will last another ten years at work. But but, yeah, you've done the figures for ten years, but I I'm I'm thinking it was probably gonna be a bit less. Maybe maybe maybe not. He is only 58. So if he ten years of making 68. Hey. Yeah. Yeah. Yep. Yep. Yeah. Yeah. Unless it changes because can that change, do you think, in the next couple of years? Do you think they can Oh, okay. Yes. Yep. Yes. My sister as well. Not not the one with the not the one with a lot of money, but the one that's struggling down south. She's four years older than me. So she's 65 this year, but she has terrible back problems. Well, she's been in the funeral industry. So well, she so she's chopped and changed from being a person who picks up the deceased, which is very hard on the body, to now so then she changed to just doing services. But she said, surprisingly, that's hard on the body as well. You know, getting the bodies to and from, you know, crematoriums and and cemeteries and that. But now she's moved to a call center where she's organizing funerals. So she said, I'm hoping I'm hoping I can seek it for another two years, you know, at work. So she has managed to move with the times, but, you know, when she was doing transfers where she'd wake up in the middle of the night and have to go and pick up a body, And she said, yes. Yes. You've got two people working, but she said, my back's just killing me. Yeah. And she's she's always had terrible back problems. So she's been lucky though that she's now transitioned to just sitting at a desk, taking phone calls, but she's still got a time made the last two years. It's a long time, isn't it, before you can access a pension? You know? And her husband's her husband's 13 years older than her, so he's been on a pension. And then and and yeah, she's she's battling. So I can imagine if your mom's in aged care. My god. Yeah. Hard work. Yep. Yeah. Yep. Yep. How does it get on, though? I thought I would not be eligible while Peter was still working. Not at all. Yeah. Yep. Mhmm. Okay. Of course. Yep. Yeah. Yep. Mhmm. Yep. Yep. Yep. The trick the trick will be this not to have any assets other than your house, say, by the time you retire. Really? Essentially? Okay. Okay. Cool. Righto. Good to know. Yeah. Give the most. Because that is another thing that I found of Veronica, my sister, the one who just sold her business and everything. I always thought that she had no super. She said, no. No. We do have super. It's not much, but we do have a super fund. I said, oh, okay. Well, that's that is good to know because, yeah, it might give you something more to work with if ever I can convince her to talk to you. Yeah. Okay then. Yes. Alright. We had just had a small chat recently about life insurance. We were starting to wonder whether we should stop it. What's your views on that? Yep. Still got that. Yep. Later on. It would have to yeah. I don't ever wanna leave here because we're the area that I live is just beautiful, and we have a lot of we don't have close neighbors because of two and a half acres. But it's a six bedroom, three bathroom house, and I can't look after it now. So by the time because I've just moved Veronica and George and they are in their seventies, Veronica's ten years older than me, I said to her, god. I don't wanna be doing this in ten years. But it's a terrible thought that you have to leave the house that you really love just because it's big. You know? Yep. So I don't know whether we just close off rooms and don't venture into it. And and Karl, that's what we gotta do. Karl Karl Karl Karl. Because when you see people when I was packing for Veronica, I just, you know, I just thought, oh, I don't wanna be doing this. Like, packing drawers and drawers of shit. Because you really don't you really you really don't need it, And I was just thinking, oh, I I just need to start calling now so that all my cupboards in the house and, you know, the the things you have your TV standing on and all the drawers and cupboards and everything have nothing in it instead of all the shit that you accumulate and you don't ever look at and you don't want or need or anything like that. But I guess the reason why we were able to refinance was is because they did ask us the question. Well, my finance broker who I went through to get a loan, he he said I've put it to them that Peter's gonna work another ten years. And, you know, when you're refinancing a loan at the age of 60 for a thirty year loan, they have to know you're not gonna work. So the so so Troy sort of said, you know, it's it's what I'm putting towards them is that when you retire, you will sell, and you will pay off the loan, and you'll purchase something smaller. And I said, and that is probably what exactly what's gonna happen, Troy. That is probably right. You know? So that that is what the future looks like that if we don't get the house paid off before we retire, then that, of course, is exactly what we would have to do. Yeah. Yeah. Yeah. Yep. They are. Yep. Yep. And and that must that must have all been put to them because Troy came back and said, oh, look. I just told them that you have no intentions of being in this six bedroom, three bathroom house in ten years' time. And but you know the sad thing, Dana, is that our our insurance is 500 a month. That's the because of how much our house is insured for. But I said to I said to Peter, I wanna have a chat to our insurance broker because brokers have brokers everywhere. And we were I was chatting to him, and I said, look, How how does insurance work? I always thought that you couldn't under insure. And he said, no. You're not supposed to under insure. I said, because it's like this. If this house was to burn down, god forbid, we don't have all children at home anymore, so we wouldn't need to build a house as big. And he said, no. That's exactly right. You could build a house for a lot less. You know? So he he took it to the insurance company, and we've just heard back that they won't do it because it would be underinsuring. So now we're now we're battling with them to say, hold on a minute. We've got it insured for 1,700,000, but that's what we would sell it for. The land itself would have to be worth something. Like, you know, like, we wanna lessen the amount that we had it insured for. So, surely, we if we were to sell it oh, I don't think we'd get 1.7 to even sell, to be honest. I think we'd only get one one point three maybe. So you take the land off that. I reckon we should be able to insure it for a million, but at the moment, they don't wanna do it. So so we're in a bit of a catch at the moment. Yeah. Don't know what to do about it. Yeah. Yeah. Yeah. Yeah. Yeah. It's well, we've got no chance of flood where we live because we're high up on a little bit of a, you know, hill type thing, but our insurance is 5,000 a year. Yeah. So we have to pay it monthly monthly now because I I just can't find that money. You know? But I well, I started thinking about it and just put it to our broker, our insurance broker, and I said, look. To rebuild, we don't have to have a 500 square meter under roof house. We don't have to. We we can build whatever we like. And he said, no. That's exactly right. But, yeah, they we just got an email the other day saying that insurance company was saying, no. No. We don't like that. We don't like that you're underinsuring. But, yeah, that was to rebuild a house while we had kids all living here with partners and and other ring ins. You know? Like, we would need to would have needed to rebuild this size house, but we've just had Maddie and her partner move out. And, you know, our other son's moved out, and another one's thinking of buying. And so, you know, I said we wouldn't we wouldn't have to rebuild this size house, so why do we have to insure it? But apparently apparently, they're wanting us to do that. Yeah. So he's gonna take it back to them and say to resell it, they wouldn't get 1,700,000 and see what they say then. Yeah. I just don't know. I haven't put the I haven't put the option to him to say, look, if you started again with another company, a different a different insurer, couldn't you start fresh and say, this is what my house and this is what I wanna insure it for, and this is what I want the contents for, or do they have to know the be all and end all of what you had insured for the last people? I don't know how it works. Yeah. No. You haven't had to disclose. Yeah. Yeah. Yeah. They couldn't go by what they couldn't go by what we bought it for because, you know, back in the day when we bought it, we thought we were kings and queens. I said, oh, we're really, you know, gonna be going over our budget here, but we love the house so much. And and now you can't buy a house in flood stricken area in Rockhampton for what we bought it for. The what what we bought this for is just an a a 50 year old house now. You know, like, skyrocketed so much, and there's nothing available. So even the the dregs of the of the city are up around the $600,000 mark. Terrible. Okay. Yep. Mhmm. Yeah. Yeah. The compounding name. Yep. Yep. Hi, Caleb. Mhmm. Yep. Okay then. Yeah. Sounds good. I think Peter's already made me sign it. I don't know. You probably got him back already. Yeah. He's already it's already signed, love. Okay. Yep. Yep. Alright then. Lovely talking to you again. Thank you so much for looking after it. Okay. Thanks, Dana. Bye bye.","confidence":0.9941406,"words":[{"word":"hello","start":2.3999999,"end":2.6399999,"confidence":0.65930176,"punctuated_word":"Hello.","sentiment":"neutral","sentiment_score":0.038750775158405304},{"word":"this","start":2.6399999,"end":2.8799999,"confidence":0.99609375,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.04364713653922081},{"word":"is","start":2.8799999,"end":3.04,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03695983812212944},{"word":"yvonne","start":3.04,"end":3.54,"confidence":0.9470215,"punctuated_word":"Yvonne.","sentiment":"neutral","sentiment_score":0.04816602915525437},{"word":"i'm","start":8.24,"end":8.48,"confidence":0.9946289,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.44958385825157166},{"word":"good","start":8.48,"end":8.72,"confidence":0.9362793,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.457247257232666},{"word":"and","start":8.72,"end":8.96,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2438878118991852},{"word":"yourself","start":8.96,"end":9.46,"confidence":0.99902344,"punctuated_word":"yourself?","sentiment":"positive","sentiment_score":0.3535478711128235},{"word":"yes","start":17.835,"end":18.335,"confidence":0.8117676,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2292812615633011},{"word":"great","start":18.395,"end":18.875,"confidence":0.8713379,"punctuated_word":"Great.","sentiment":"positive","sentiment_score":0.45328083634376526},{"word":"yep","start":18.875,"end":19.375,"confidence":0.9123535,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1845758855342865},{"word":"yep","start":27.355,"end":27.855,"confidence":0.9406738,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08275201916694641},{"word":"yeah","start":29.035,"end":29.275,"confidence":0.9187012,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0336044505238533},{"word":"on","start":29.275,"end":29.515,"confidence":0.91015625,"punctuated_word":"On","sentiment":"neutral","sentiment_score":0.021590344607830048},{"word":"our","start":29.515,"end":29.675,"confidence":0.9394531,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.021528687328100204},{"word":"phones","start":29.675,"end":29.994999,"confidence":0.8666992,"punctuated_word":"phones.","sentiment":"neutral","sentiment_score":0.03489108383655548},{"word":"is","start":29.994999,"end":30.154999,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.03761380910873413},{"word":"that","start":30.154999,"end":30.314999,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06328022480010986},{"word":"alright","start":30.314999,"end":30.814999,"confidence":0.99609375,"punctuated_word":"alright?","sentiment":"neutral","sentiment_score":0.0598895363509655},{"word":"yep","start":31.41,"end":31.91,"confidence":0.8835449,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12851761281490326},{"word":"yes","start":37.25,"end":37.57,"confidence":0.9655762,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.07809844613075256},{"word":"he","start":37.57,"end":37.73,"confidence":0.9589844,"punctuated_word":"He","sentiment":"neutral","sentiment_score":0.08360064774751663},{"word":"is","start":37.73,"end":38.05,"confidence":0.99853516,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.08512334525585175},{"word":"yeah","start":38.05,"end":38.29,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09355397522449492},{"word":"he's","start":38.29,"end":38.61,"confidence":0.99560547,"punctuated_word":"He's","sentiment":"neutral","sentiment_score":0.11773377656936646},{"word":"here","start":38.61,"end":39.11,"confidence":0.9980469,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.13218893110752106},{"word":"yeah","start":44.545002,"end":44.865,"confidence":0.91137695,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03567981347441673},{"word":"not","start":44.865,"end":45.025,"confidence":0.98535156,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.011426061391830444},{"word":"too","start":45.025,"end":45.185,"confidence":0.99902344,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.06800186634063721},{"word":"bad","start":45.185,"end":45.585,"confidence":0.9921875,"punctuated_word":"bad.","sentiment":"neutral","sentiment_score":-0.04056954383850098},{"word":"let","start":45.585,"end":45.825,"confidence":0.97998047,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":-0.1274089217185974},{"word":"me","start":45.825,"end":45.905,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.12395823746919632},{"word":"just","start":45.905,"end":46.065,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1244560480117798},{"word":"yell","start":46.065,"end":46.305,"confidence":0.99609375,"punctuated_word":"yell","sentiment":"neutral","sentiment_score":-0.15891581773757937},{"word":"at","start":46.305,"end":46.385002,"confidence":0.96533203,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.24676059186458588},{"word":"this","start":46.385002,"end":46.625,"confidence":0.9892578,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.19584982097148895},{"word":"cockatoo","start":46.625,"end":47.125,"confidence":0.97998047,"punctuated_word":"cockatoo.","sentiment":"neutral","sentiment_score":-0.14450106024742126},{"word":"hold","start":47.265,"end":47.425,"confidence":1.0,"punctuated_word":"Hold","sentiment":"neutral","sentiment_score":-0.086398646235466},{"word":"on","start":47.425,"end":47.585,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.06676582247018814},{"word":"a","start":47.585,"end":47.745,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05511694774031639},{"word":"minute","start":47.745,"end":48.245,"confidence":0.9995117,"punctuated_word":"minute.","sentiment":"neutral","sentiment_score":-0.04501194506883621},{"word":"shut","start":49.025,"end":49.525,"confidence":0.8857422,"punctuated_word":"Shut","sentiment":"neutral","sentiment_score":-0.06945212185382843},{"word":"up","start":49.865,"end":50.365,"confidence":0.98046875,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":-0.061141688376665115},{"word":"stop","start":50.705,"end":51.025,"confidence":0.8076172,"punctuated_word":"Stop","sentiment":"neutral","sentiment_score":-0.06852057576179504},{"word":"it","start":51.025,"end":51.525,"confidence":0.986084,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.05663880705833435},{"word":"that'll","start":53.825,"end":54.145,"confidence":0.98413086,"punctuated_word":"That'll","sentiment":"neutral","sentiment_score":-0.04174325987696648},{"word":"last","start":54.145,"end":54.385002,"confidence":0.9970703,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.033057309687137604},{"word":"thirty","start":54.385002,"end":54.705,"confidence":1.0,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":-0.027452610433101658},{"word":"seconds","start":54.705,"end":55.205,"confidence":1.0,"punctuated_word":"seconds.","sentiment":"neutral","sentiment_score":-0.025755520910024643},{"word":"he","start":57.99,"end":58.15,"confidence":0.63671875,"punctuated_word":"He","sentiment":"neutral","sentiment_score":-0.04903667792677879},{"word":"wants","start":58.15,"end":58.39,"confidence":1.0,"punctuated_word":"wants","sentiment":"neutral","sentiment_score":-0.05702236294746399},{"word":"to","start":58.39,"end":58.55,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.044630490243434906},{"word":"get","start":58.55,"end":58.71,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.0412682481110096},{"word":"out","start":58.71,"end":59.21,"confidence":0.9921875,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.04290078952908516},{"word":"yeah","start":62.23,"end":62.71,"confidence":0.99560547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06939782947301865},{"word":"cockatoo","start":62.71,"end":63.21,"confidence":0.9904785,"punctuated_word":"Cockatoo.","sentiment":"neutral","sentiment_score":-0.1460191309452057},{"word":"yeah","start":63.350002,"end":63.670002,"confidence":0.99316406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.2185385823249817},{"word":"it","start":63.670002,"end":63.83,"confidence":0.29296875,"punctuated_word":"It","sentiment":"negative","sentiment_score":-0.4382104277610779},{"word":"drives","start":63.83,"end":64.15,"confidence":0.8984375,"punctuated_word":"drives","sentiment":"negative","sentiment_score":-0.4134880304336548},{"word":"us","start":64.15,"end":64.31,"confidence":0.8027344,"punctuated_word":"us","sentiment":"negative","sentiment_score":-0.3837029337882995},{"word":"nuts","start":64.31,"end":64.81,"confidence":0.9995117,"punctuated_word":"nuts.","sentiment":"negative","sentiment_score":-0.39631402492523193},{"word":"okay","start":68.47,"end":68.95,"confidence":0.99853516,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.011509767733514307},{"word":"we're","start":68.95,"end":69.270004,"confidence":0.9243164,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.00405226182192564},{"word":"right","start":69.270004,"end":69.770004,"confidence":0.7697754,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.01469214539974928},{"word":"there","start":70.795,"end":70.954994,"confidence":0.6870117,"punctuated_word":"There","sentiment":"neutral","sentiment_score":0.03634358197450638},{"word":"you","start":70.954994,"end":71.034996,"confidence":0.9838867,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.040875889360904694},{"word":"go","start":71.034996,"end":71.435,"confidence":0.9436035,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.06704085320234299},{"word":"down","start":71.435,"end":71.835,"confidence":0.42749023,"punctuated_word":"Down","sentiment":"neutral","sentiment_score":0.01897481083869934},{"word":"in","start":71.835,"end":71.994995,"confidence":0.16394043,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01517113670706749},{"word":"charlotte","start":71.994995,"end":72.395,"confidence":0.7751465,"punctuated_word":"Charlotte.","sentiment":"neutral","sentiment_score":0.02420490980148315},{"word":"yep","start":72.395,"end":72.875,"confidence":0.9970703,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03191940858960152},{"word":"i","start":72.875,"end":73.034996,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05939509719610214},{"word":"got","start":73.034996,"end":73.274994,"confidence":0.6772461,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.07030569016933441},{"word":"that","start":73.274994,"end":73.774994,"confidence":0.59716797,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.05277638137340546},{"word":"yeah","start":85.18,"end":85.42,"confidence":0.8713379,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06671995669603348},{"word":"that's","start":85.42,"end":85.740005,"confidence":0.99853516,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.0926458090543747},{"word":"fine","start":85.740005,"end":86.14,"confidence":1.0,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.11481231451034546},{"word":"yep","start":86.14,"end":86.64,"confidence":0.9213867,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14916947484016418},{"word":"1964","start":93.66,"end":96.06,"confidence":0.90396553,"punctuated_word":"1964.","sentiment":"neutral","sentiment_score":0.013807646930217745},{"word":"30","start":96.06,"end":96.46,"confidence":0.9614258,"punctuated_word":"30","sentiment":"neutral","sentiment_score":0.011923707090318205},{"word":"green","start":96.46,"end":96.700005,"confidence":0.9453125,"punctuated_word":"Green","sentiment":"neutral","sentiment_score":0.02114996127784252},{"word":"avenue","start":96.700005,"end":97.200005,"confidence":0.9199219,"punctuated_word":"Avenue,","sentiment":"neutral","sentiment_score":0.016238559037446976},{"word":"glenley","start":97.26,"end":97.76,"confidence":0.7607422,"punctuated_word":"Glenley","sentiment":"neutral","sentiment_score":0.033958859741687775},{"word":"4711","start":97.9,"end":98.96,"confidence":0.9642741,"punctuated_word":"4711.","sentiment":"neutral","sentiment_score":0.029088135808706284},{"word":"mhmm","start":102.424995,"end":102.924995,"confidence":0.94299316,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.006247250363230705},{"word":"yes","start":118.950005,"end":119.450005,"confidence":0.7089844,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.0032628928311169147},{"word":"yeah","start":146.25,"end":146.56999,"confidence":0.9345703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0887596383690834},{"word":"yeah","start":146.56999,"end":147.06999,"confidence":0.9296875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14467287063598633},{"word":"yeah","start":147.76999,"end":148.26999,"confidence":0.86938477,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.3758338689804077},{"word":"yeah","start":154.10501,"end":154.60501,"confidence":0.99609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06456314027309418},{"word":"twenty","start":154.905,"end":155.225,"confidence":0.9902344,"punctuated_word":"Twenty","sentiment":"neutral","sentiment_score":0.04245895519852638},{"word":"one","start":155.225,"end":155.38501,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.04402975365519523},{"word":"days","start":155.38501,"end":155.705,"confidence":0.9970703,"punctuated_word":"days","sentiment":"neutral","sentiment_score":0.04610540345311165},{"word":"and","start":155.705,"end":155.945,"confidence":0.8642578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06875580549240112},{"word":"all","start":155.945,"end":156.185,"confidence":0.8198242,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.07806321233510971},{"word":"for","start":156.185,"end":156.345,"confidence":0.98095703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.04936584085226059},{"word":"seven","start":156.345,"end":156.845,"confidence":0.9916992,"punctuated_word":"seven.","sentiment":"neutral","sentiment_score":0.07224180549383163},{"word":"yeah","start":157.065,"end":157.565,"confidence":0.9926758,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.043414708226919174},{"word":"three","start":157.625,"end":157.945,"confidence":0.9326172,"punctuated_word":"Three","sentiment":"neutral","sentiment_score":0.01746663823723793},{"word":"on","start":157.945,"end":158.10501,"confidence":0.86572266,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.007988130673766136},{"word":"three","start":158.10501,"end":158.425,"confidence":0.90478516,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.007280087564140558},{"word":"on","start":158.425,"end":158.585,"confidence":0.74853516,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":0.008692780509591103},{"word":"one","start":158.585,"end":158.905,"confidence":0.9970703,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.010859860107302666},{"word":"off","start":158.905,"end":159.405,"confidence":0.97216797,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":0.012484018690884112},{"word":"it's","start":159.865,"end":160.185,"confidence":0.99853516,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.00505499355494976},{"word":"up","start":160.185,"end":160.265,"confidence":0.9980469,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.016414999961853027},{"word":"in","start":160.265,"end":160.425,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.011980976909399033},{"word":"the","start":160.425,"end":160.505,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.003935772925615311},{"word":"northern","start":160.505,"end":160.905,"confidence":0.8833008,"punctuated_word":"Northern","sentiment":"neutral","sentiment_score":0.0013321861624717712},{"word":"territory","start":160.905,"end":161.405,"confidence":0.82958984,"punctuated_word":"Territory,","sentiment":"neutral","sentiment_score":-0.008930104784667492},{"word":"so","start":161.545,"end":162.02501,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.0748874843120575},{"word":"they","start":162.02501,"end":162.52501,"confidence":0.9453125,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.10827478021383286},{"word":"can't","start":162.94,"end":163.18,"confidence":0.9902344,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.1447940170764923},{"word":"afford","start":163.18,"end":163.58,"confidence":0.99902344,"punctuated_word":"afford","sentiment":"neutral","sentiment_score":-0.19438719749450684},{"word":"to","start":163.58,"end":163.66,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15908895432949066},{"word":"come","start":163.66,"end":163.9,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.13125351071357727},{"word":"back","start":163.9,"end":164.06,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.0835481733083725},{"word":"and","start":164.06,"end":164.22,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1082342565059662},{"word":"forth","start":164.22,"end":164.54,"confidence":0.9880371,"punctuated_word":"forth,","sentiment":"neutral","sentiment_score":-0.06414642930030823},{"word":"i","start":164.54,"end":164.7,"confidence":0.9448242,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04310894012451172},{"word":"suppose","start":164.7,"end":165.2,"confidence":0.99853516,"punctuated_word":"suppose.","sentiment":"neutral","sentiment_score":-0.06108728051185608},{"word":"hey","start":166.3,"end":166.54,"confidence":0.76953125,"punctuated_word":"Hey.","sentiment":"neutral","sentiment_score":-0.00950931292027235},{"word":"listen","start":166.54,"end":166.86,"confidence":0.93481445,"punctuated_word":"Listen.","sentiment":"neutral","sentiment_score":-0.012448291294276714},{"word":"i","start":166.86,"end":166.94,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0555359348654747},{"word":"didn't","start":166.94,"end":167.18,"confidence":1.0,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.053162865340709686},{"word":"get","start":167.18,"end":167.34,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.0737176388502121},{"word":"anything","start":167.34,"end":167.81999,"confidence":0.99902344,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.07215691357851028},{"word":"through","start":167.81999,"end":168.14,"confidence":0.99902344,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.09561324864625932},{"word":"on","start":168.14,"end":168.22,"confidence":0.99121094,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.081261545419693},{"word":"my","start":168.22,"end":168.45999,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.08736371994018555},{"word":"email","start":168.45999,"end":168.78,"confidence":0.8688965,"punctuated_word":"email,","sentiment":"neutral","sentiment_score":-0.07590727508068085},{"word":"so","start":168.78,"end":169.02,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.07736761122941971},{"word":"i","start":169.02,"end":169.1,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06571996212005615},{"word":"don't","start":169.1,"end":169.26,"confidence":0.99853516,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.06602911651134491},{"word":"know","start":169.26,"end":169.5,"confidence":0.76416016,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.058233074843883514},{"word":"i","start":169.5,"end":169.58,"confidence":0.24401855,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04196089506149292},{"word":"got","start":169.58,"end":169.81999,"confidence":0.25219727,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.03489627689123154},{"word":"yours","start":169.81999,"end":170.22,"confidence":0.7416992,"punctuated_word":"yours,","sentiment":"neutral","sentiment_score":-0.0382198765873909},{"word":"but","start":170.22,"end":170.54,"confidence":0.9741211,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.02739831805229187},{"word":"oh","start":170.78,"end":171.02,"confidence":0.921875,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.01917009055614471},{"word":"you've","start":171.02,"end":171.26,"confidence":0.9128418,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.017907623201608658},{"word":"got","start":171.26,"end":171.5,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.023360436782240868},{"word":"mine","start":171.5,"end":172.0,"confidence":0.97265625,"punctuated_word":"mine.","sentiment":"neutral","sentiment_score":-0.01627255231142044},{"word":"trying","start":180.735,"end":180.975,"confidence":0.58691406,"punctuated_word":"Trying","sentiment":"neutral","sentiment_score":-0.00013018492609262466},{"word":"to","start":180.975,"end":181.13501,"confidence":0.9165039,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.006454063579440117},{"word":"do","start":181.13501,"end":181.295,"confidence":0.66552734,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.005955778062343597},{"word":"it","start":181.295,"end":181.375,"confidence":0.3154297,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.013691822066903114},{"word":"with","start":181.375,"end":181.455,"confidence":0.44482422,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.014267615973949432},{"word":"ned","start":181.455,"end":181.615,"confidence":0.15686035,"punctuated_word":"Ned","sentiment":"neutral","sentiment_score":0.03706055134534836},{"word":"and","start":181.615,"end":181.695,"confidence":0.14794922,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.014062196016311646},{"word":"micron","start":181.695,"end":182.195,"confidence":0.39619955,"punctuated_word":"Micron.","sentiment":"neutral","sentiment_score":0.021964406594634056},{"word":"yeah","start":183.21501,"end":183.71501,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.009776790626347063},{"word":"okay","start":185.295,"end":185.795,"confidence":0.9980469,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04927658289670944},{"word":"that's","start":185.935,"end":186.255,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.0692421942949295},{"word":"alright","start":186.255,"end":186.57501,"confidence":0.9975586,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":0.08669495582580566},{"word":"we'll","start":186.57501,"end":186.815,"confidence":0.99121094,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.08318807929754257},{"word":"just","start":186.815,"end":186.975,"confidence":0.99316406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08860266208648682},{"word":"do","start":186.975,"end":187.13501,"confidence":0.9838867,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08790724724531174},{"word":"it","start":187.13501,"end":187.295,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08423721790313721},{"word":"on","start":187.295,"end":187.455,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08012370765209198},{"word":"his","start":187.455,"end":187.695,"confidence":0.9970703,"punctuated_word":"his","sentiment":"neutral","sentiment_score":0.07231196016073227},{"word":"phone","start":187.695,"end":188.095,"confidence":0.9946289,"punctuated_word":"phone.","sentiment":"neutral","sentiment_score":0.06841056048870087},{"word":"that's","start":188.095,"end":188.41501,"confidence":0.9995117,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.11465345323085784},{"word":"okay","start":188.41501,"end":188.91501,"confidence":0.99853516,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.10801072418689728},{"word":"alright","start":193.33,"end":193.83,"confidence":0.9042969,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.0508098304271698},{"word":"sign","start":194.05,"end":194.37,"confidence":0.39501953,"punctuated_word":"Sign","sentiment":"neutral","sentiment_score":0.06649712473154068},{"word":"that","start":194.37,"end":194.61,"confidence":0.6850586,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.10453639924526216},{"word":"ethan","start":194.61,"end":195.11,"confidence":0.7044678,"punctuated_word":"Ethan.","sentiment":"neutral","sentiment_score":0.13464096188545227},{"word":"that's","start":195.25,"end":195.56999,"confidence":0.9699707,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.18312804400920868},{"word":"yours","start":195.56999,"end":196.05,"confidence":0.99560547,"punctuated_word":"yours.","sentiment":"neutral","sentiment_score":0.1602346897125244},{"word":"i'm","start":196.05,"end":196.20999,"confidence":0.97631836,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.13173142075538635},{"word":"listening","start":196.20999,"end":196.61,"confidence":0.38427734,"punctuated_word":"listening","sentiment":"neutral","sentiment_score":0.1211920529603958},{"word":"to","start":196.61,"end":196.77,"confidence":0.97509766,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16019751131534576},{"word":"dana","start":196.77,"end":197.17,"confidence":0.90527344,"punctuated_word":"Dana","sentiment":"neutral","sentiment_score":0.1810924261808395},{"word":"love","start":197.17,"end":197.33,"confidence":0.6677246,"punctuated_word":"Love.","sentiment":"neutral","sentiment_score":0.12487898766994476},{"word":"yeah","start":197.33,"end":197.65,"confidence":0.97094727,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11404405534267426},{"word":"i","start":197.65,"end":197.73,"confidence":0.99121094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08139505982398987},{"word":"know","start":197.73,"end":198.23,"confidence":0.9951172,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.08769714832305908},{"word":"so","start":198.61,"end":199.01,"confidence":0.44140625,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0888332799077034},{"word":"she's","start":199.01,"end":199.25,"confidence":0.6442871,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":0.1084565967321396},{"word":"telling","start":199.25,"end":199.48999,"confidence":0.8535156,"punctuated_word":"telling","sentiment":"neutral","sentiment_score":0.08919382095336914},{"word":"me","start":199.48999,"end":199.81,"confidence":0.47094727,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":0.08624368906021118},{"word":"go","start":199.81,"end":199.97,"confidence":0.4638672,"punctuated_word":"Go","sentiment":"neutral","sentiment_score":0.11858399212360382},{"word":"into","start":199.97,"end":200.20999,"confidence":0.4645996,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.10016770660877228},{"word":"there","start":200.20999,"end":200.37,"confidence":0.79052734,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.11535123735666276},{"word":"and","start":200.37,"end":200.53,"confidence":0.94384766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1031617671251297},{"word":"sign","start":200.53,"end":200.77,"confidence":0.99316406,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.13374705612659454},{"word":"it","start":200.77,"end":200.93,"confidence":0.6209717,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.11615116894245148},{"word":"sign","start":200.93,"end":201.33,"confidence":0.4921875,"punctuated_word":"Sign","sentiment":"neutral","sentiment_score":0.2178643494844437},{"word":"that","start":201.33,"end":201.83,"confidence":0.7342529,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.19248977303504944},{"word":"yep","start":227.67,"end":228.17,"confidence":0.96240234,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.24521641433238983},{"word":"yep","start":239.78499,"end":240.28499,"confidence":0.92407227,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18308916687965393},{"word":"he","start":256.85,"end":257.09,"confidence":0.26538086,"punctuated_word":"He","sentiment":"neutral","sentiment_score":0.04270648583769798},{"word":"sent","start":257.09,"end":257.475,"confidence":0.88134766,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.03059685230255127},{"word":"me","start":257.715,"end":257.95502,"confidence":0.97509766,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.03115756064653397},{"word":"hold","start":258.435,"end":258.755,"confidence":1.0,"punctuated_word":"Hold","sentiment":"neutral","sentiment_score":0.032631099224090576},{"word":"on","start":258.755,"end":258.915,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03750353679060936},{"word":"a","start":258.915,"end":258.995,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.030917678028345108},{"word":"minute","start":258.995,"end":259.315,"confidence":0.9946289,"punctuated_word":"minute,","sentiment":"neutral","sentiment_score":0.03289036452770233},{"word":"donna","start":259.315,"end":259.815,"confidence":0.72473145,"punctuated_word":"Donna.","sentiment":"neutral","sentiment_score":0.0242806114256382},{"word":"he","start":260.515,"end":260.755,"confidence":0.26171875,"punctuated_word":"He","sentiment":"neutral","sentiment_score":0.03742199391126633},{"word":"sent","start":260.755,"end":261.075,"confidence":0.87158203,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.025489551946520805},{"word":"me","start":261.075,"end":261.23502,"confidence":0.9892578,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.02809995040297508},{"word":"both","start":261.23502,"end":261.555,"confidence":0.984375,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.025147439911961555},{"word":"of","start":261.555,"end":261.635,"confidence":0.7441406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.027644775807857513},{"word":"yours","start":261.635,"end":262.135,"confidence":0.9350586,"punctuated_word":"yours.","sentiment":"neutral","sentiment_score":0.020366158336400986},{"word":"two","start":264.275,"end":264.515,"confidence":0.9970703,"punctuated_word":"Two","sentiment":"neutral","sentiment_score":0.005041249096393585},{"word":"of","start":264.515,"end":264.67502,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.010186219587922096},{"word":"yours","start":264.67502,"end":265.155,"confidence":0.9645996,"punctuated_word":"yours,","sentiment":"neutral","sentiment_score":0.012525002472102642},{"word":"not","start":265.155,"end":265.39502,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.007036667317152023},{"word":"two","start":265.39502,"end":265.475,"confidence":0.9453125,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.0017405729740858078},{"word":"of","start":265.475,"end":265.555,"confidence":0.5048828,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.00033264048397541046},{"word":"yours","start":265.555,"end":265.715,"confidence":0.9128418,"punctuated_word":"yours.","sentiment":"neutral","sentiment_score":0.0008696398581378162},{"word":"he","start":265.715,"end":265.875,"confidence":0.72509766,"punctuated_word":"He","sentiment":"neutral","sentiment_score":-0.014659620821475984},{"word":"hasn't","start":265.875,"end":266.115,"confidence":0.9980469,"punctuated_word":"hasn't","sentiment":"neutral","sentiment_score":-0.02007565274834633},{"word":"got","start":266.115,"end":266.355,"confidence":0.9970703,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.02412918210029602},{"word":"one","start":266.355,"end":266.595,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.0378643274307251},{"word":"of","start":266.595,"end":266.67502,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04738471657037735},{"word":"his","start":266.67502,"end":267.075,"confidence":0.9975586,"punctuated_word":"his.","sentiment":"neutral","sentiment_score":-0.035392776131629944},{"word":"he's","start":267.075,"end":267.39502,"confidence":1.0,"punctuated_word":"He's","sentiment":"neutral","sentiment_score":-0.010335946455597878},{"word":"got","start":267.39502,"end":267.875,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.009391982108354568},{"word":"two","start":267.875,"end":268.115,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.013712921179831028},{"word":"emails","start":268.115,"end":268.515,"confidence":1.0,"punctuated_word":"emails","sentiment":"neutral","sentiment_score":-0.007364725694060326},{"word":"and","start":268.515,"end":268.67502,"confidence":0.7529297,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0143134705722332},{"word":"both","start":268.67502,"end":268.915,"confidence":0.99609375,"punctuated_word":"both","sentiment":"neutral","sentiment_score":-0.01269784476608038},{"word":"of","start":268.915,"end":268.995,"confidence":0.6713867,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.012115473859012129},{"word":"mine","start":268.995,"end":269.23502,"confidence":0.95947266,"punctuated_word":"mine.","sentiment":"neutral","sentiment_score":-0.010158509016036987},{"word":"oh","start":269.23502,"end":269.315,"confidence":0.66674805,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.0158910620957613},{"word":"it","start":269.315,"end":269.39502,"confidence":0.5151367,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.014484792947769163},{"word":"doesn't","start":269.39502,"end":269.89502,"confidence":0.90527344,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.016526145860552788},{"word":"matter","start":270.195,"end":270.435,"confidence":0.9916992,"punctuated_word":"matter.","sentiment":"neutral","sentiment_score":0.00125034898519516},{"word":"he's","start":270.435,"end":270.67502,"confidence":0.99902344,"punctuated_word":"He's","sentiment":"neutral","sentiment_score":0.02656884118914604},{"word":"got","start":270.67502,"end":270.835,"confidence":0.99902344,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0286953579634428},{"word":"it","start":270.835,"end":271.335,"confidence":0.98583984,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.026481997221708298},{"word":"i'm","start":277.33,"end":277.49,"confidence":0.54455566,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.04356404393911362},{"word":"both","start":277.49,"end":277.99,"confidence":0.7949219,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.04848973825573921},{"word":"on","start":278.05,"end":278.12997,"confidence":0.3503418,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03980618342757225},{"word":"the","start":278.12997,"end":278.53,"confidence":0.890625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04617695510387421},{"word":"same","start":278.53,"end":279.03,"confidence":0.9526367,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.047134872525930405},{"word":"thing","start":279.40997,"end":279.72998,"confidence":0.6999512,"punctuated_word":"thing,","sentiment":"neutral","sentiment_score":0.05636442452669144},{"word":"ma'am","start":279.72998,"end":280.22998,"confidence":0.9885254,"punctuated_word":"ma'am.","sentiment":"neutral","sentiment_score":0.05666147917509079},{"word":"yeah","start":289.695,"end":289.935,"confidence":0.83496094,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0021348614245653152},{"word":"i","start":289.935,"end":290.015,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07548624277114868},{"word":"don't","start":290.015,"end":290.17502,"confidence":0.9807129,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1921067535877228},{"word":"i","start":290.17502,"end":290.33502,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.24899417161941528},{"word":"don't","start":290.33502,"end":290.49503,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.2281368672847748},{"word":"get","start":290.49503,"end":290.815,"confidence":0.9970703,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.2561537027359009},{"word":"i","start":290.815,"end":290.975,"confidence":0.98828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.24409537017345428},{"word":"don't","start":290.975,"end":291.135,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.24239937961101532},{"word":"get","start":291.135,"end":291.295,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.2637164294719696},{"word":"his","start":291.295,"end":291.61502,"confidence":0.99902344,"punctuated_word":"his","sentiment":"neutral","sentiment_score":-0.2542915940284729},{"word":"emails","start":291.61502,"end":292.015,"confidence":0.98535156,"punctuated_word":"emails","sentiment":"neutral","sentiment_score":-0.1887969672679901},{"word":"anymore","start":292.015,"end":292.515,"confidence":0.99902344,"punctuated_word":"anymore.","sentiment":"neutral","sentiment_score":-0.23927098512649536},{"word":"i","start":292.73502,"end":292.975,"confidence":0.99316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.16515043377876282},{"word":"would","start":292.975,"end":293.215,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.15562178194522858},{"word":"like","start":293.215,"end":293.375,"confidence":0.98828125,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.11654996126890182},{"word":"to","start":293.375,"end":293.61502,"confidence":0.89501953,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":-0.08324842900037766},{"word":"but","start":293.61502,"end":293.77502,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.12836870551109314},{"word":"they","start":293.77502,"end":293.935,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.19109630584716797},{"word":"won't","start":293.935,"end":294.17502,"confidence":0.98950195,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":-0.2616976201534271},{"word":"come","start":294.17502,"end":294.33502,"confidence":1.0,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.21734628081321716},{"word":"through","start":294.33502,"end":294.575,"confidence":1.0,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.18882696330547333},{"word":"on","start":294.575,"end":294.73502,"confidence":0.98095703,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.24019697308540344},{"word":"my","start":294.73502,"end":294.89502,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.31418997049331665},{"word":"new","start":294.89502,"end":295.135,"confidence":1.0,"punctuated_word":"new","sentiment":"neutral","sentiment_score":-0.2637665569782257},{"word":"phone","start":295.135,"end":295.635,"confidence":0.9909668,"punctuated_word":"phone.","sentiment":"neutral","sentiment_score":-0.18263396620750427},{"word":"i","start":296.495,"end":296.655,"confidence":0.96972656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2186764031648636},{"word":"can't","start":296.655,"end":296.89502,"confidence":0.98583984,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.31748896837234497},{"word":"set","start":296.89502,"end":297.135,"confidence":0.99902344,"punctuated_word":"set","sentiment":"neutral","sentiment_score":-0.26269885897636414},{"word":"it","start":297.135,"end":297.295,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2505669593811035},{"word":"up","start":297.295,"end":297.61502,"confidence":0.9592285,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":-0.24079446494579315},{"word":"yeah","start":297.61502,"end":297.855,"confidence":0.90722656,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.2004072070121765},{"word":"i","start":297.855,"end":297.935,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.29319456219673157},{"word":"don't","start":297.935,"end":298.17502,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.22220894694328308},{"word":"know","start":298.17502,"end":298.255,"confidence":0.9980469,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.29888638854026794},{"word":"how","start":298.255,"end":298.495,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.3048533797264099},{"word":"to","start":298.495,"end":298.575,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.28720083832740784},{"word":"do","start":298.575,"end":298.73502,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.26004713773727417},{"word":"it","start":298.73502,"end":299.23502,"confidence":0.9980469,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.27073660492897034},{"word":"he","start":299.45502,"end":299.61502,"confidence":0.96777344,"punctuated_word":"He","sentiment":"neutral","sentiment_score":-0.2871939241886139},{"word":"doesn't","start":299.61502,"end":300.015,"confidence":0.9995117,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.28495606780052185},{"word":"would","start":300.2025,"end":300.39,"confidence":0.64746094,"punctuated_word":"would","sentiment":"negative","sentiment_score":-0.35108861327171326},{"word":"yeah","start":305.19,"end":305.69,"confidence":0.68066406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05285917967557907},{"word":"mhmm","start":312.735,"end":313.235,"confidence":0.92700195,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.08434756100177765},{"word":"yep","start":320.2575,"end":320.7575,"confidence":0.88720703,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.19827011227607727},{"word":"yep","start":343.285,"end":343.785,"confidence":0.9790039,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1809956431388855},{"word":"yeah","start":361.92,"end":362.32,"confidence":0.9951172,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.13675159215927124},{"word":"i","start":362.32,"end":362.4,"confidence":0.94970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.126422718167305},{"word":"noticed","start":362.4,"end":362.9,"confidence":0.96875,"punctuated_word":"noticed","sentiment":"neutral","sentiment_score":-0.1158069223165512},{"word":"that","start":362.96,"end":363.44,"confidence":0.99853516,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.15784898400306702},{"word":"yeah","start":363.44,"end":363.94,"confidence":0.9482422,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.10320550203323364},{"word":"yeah","start":390.06,"end":390.56,"confidence":0.7565918,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.050999753177165985},{"word":"how","start":392.3,"end":392.54,"confidence":0.5883789,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.04216940701007843},{"word":"do","start":392.54,"end":392.7,"confidence":0.52734375,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.030857134610414505},{"word":"i","start":392.7,"end":392.86,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.030880749225616455},{"word":"get","start":392.86,"end":393.02,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.03581693395972252},{"word":"to","start":393.02,"end":393.18,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03470169007778168},{"word":"that","start":393.18,"end":393.42,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03455035388469696},{"word":"again","start":393.42,"end":393.9,"confidence":0.7783203,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.019700076431035995},{"word":"ma'am","start":393.9,"end":394.4,"confidence":0.91711426,"punctuated_word":"ma'am?","sentiment":"neutral","sentiment_score":-0.007796370424330235},{"word":"page","start":394.46,"end":394.78,"confidence":0.6616211,"punctuated_word":"Page","sentiment":"neutral","sentiment_score":-0.006359849590808153},{"word":"20","start":394.78,"end":395.18,"confidence":0.9343262,"punctuated_word":"20.","sentiment":"neutral","sentiment_score":-0.0022931816056370735},{"word":"you're","start":395.18,"end":395.42,"confidence":0.71850586,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.0048086149618029594},{"word":"the","start":395.42,"end":395.5,"confidence":0.44604492,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.005729379132390022},{"word":"best","start":395.5,"end":395.74,"confidence":0.8305664,"punctuated_word":"best","sentiment":"neutral","sentiment_score":-0.0012293271720409391},{"word":"to","start":395.74,"end":395.82,"confidence":0.8408203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.003542505204677582},{"word":"be","start":395.82,"end":395.98,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0001078825443983078},{"word":"on","start":395.98,"end":396.48,"confidence":0.9519043,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.002296709455549717},{"word":"hang","start":398.865,"end":399.365,"confidence":0.88964844,"punctuated_word":"Hang","sentiment":"neutral","sentiment_score":-0.05953244864940643},{"word":"on","start":400.94498,"end":401.345,"confidence":0.9760742,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.02431667037308216},{"word":"hang","start":401.345,"end":401.66498,"confidence":0.88720703,"punctuated_word":"Hang","sentiment":"neutral","sentiment_score":-0.018452012911438945},{"word":"on","start":401.66498,"end":401.905,"confidence":0.5415039,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.014912260696291924},{"word":"20","start":401.905,"end":402.38498,"confidence":0.97216797,"punctuated_word":"20.","sentiment":"neutral","sentiment_score":-0.00538397254422307},{"word":"yep","start":402.38498,"end":402.88498,"confidence":0.9885254,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.0004932554438710213},{"word":"page","start":402.94498,"end":403.345,"confidence":0.60595703,"punctuated_word":"Page","sentiment":"neutral","sentiment_score":-0.0041883476078510284},{"word":"20","start":403.345,"end":403.745,"confidence":0.99316406,"punctuated_word":"20.","sentiment":"neutral","sentiment_score":0.0006192498840391636},{"word":"yeah","start":403.745,"end":404.245,"confidence":0.6972656,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.00774448923766613},{"word":"yep","start":427.685,"end":428.185,"confidence":0.7150879,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.016311969608068466},{"word":"yeah","start":440.86002,"end":441.1,"confidence":0.9848633,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10083065927028656},{"word":"i","start":441.1,"end":441.26,"confidence":0.8461914,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10904425382614136},{"word":"stayed","start":441.26,"end":441.58002,"confidence":0.3046875,"punctuated_word":"stayed","sentiment":"neutral","sentiment_score":0.0992724820971489},{"word":"by","start":441.58002,"end":441.74002,"confidence":0.7319336,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.09332884848117828},{"word":"the","start":441.74002,"end":441.9,"confidence":0.8442383,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07497575879096985},{"word":"longest","start":441.9,"end":442.30002,"confidence":0.92089844,"punctuated_word":"longest","sentiment":"neutral","sentiment_score":0.09032220393419266},{"word":"more","start":442.38,"end":442.62,"confidence":0.89746094,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.10311846435070038},{"word":"than","start":442.62,"end":442.78,"confidence":0.8183594,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.1614934504032135},{"word":"64,000","start":442.78,"end":444.16,"confidence":0.6957194,"punctuated_word":"64,000.","sentiment":"neutral","sentiment_score":0.13720756769180298},{"word":"yep","start":455.655,"end":456.155,"confidence":0.98706055,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10837997496128082},{"word":"yep","start":469.73,"end":470.23,"confidence":0.9914551,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.24145612120628357},{"word":"yes","start":494.05,"end":494.44998,"confidence":0.8198242,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.13089245557785034},{"word":"yes","start":494.44998,"end":494.94998,"confidence":0.75390625,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.12129124999046326},{"word":"yeah","start":515.215,"end":515.715,"confidence":0.951416,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09491142630577087},{"word":"yep","start":536.615,"end":537.115,"confidence":0.9741211,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.23038575053215027},{"word":"yep","start":549.99,"end":550.49,"confidence":0.98657227,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.43990811705589294},{"word":"yep","start":559.11,"end":559.61,"confidence":0.99194336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0778459757566452},{"word":"yeah","start":579.1,"end":579.6,"confidence":0.9970703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08209101855754852},{"word":"i","start":580.94,"end":581.1,"confidence":0.98828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.20533181726932528},{"word":"think","start":581.1,"end":581.6,"confidence":0.9951172,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.2519073188304901},{"word":"i","start":582.86,"end":583.1,"confidence":0.7714844,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07326452434062958},{"word":"think","start":583.1,"end":583.26,"confidence":0.9902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.09442149847745895},{"word":"it's","start":583.26,"end":583.58,"confidence":0.982666,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.11906757205724716},{"word":"already","start":583.58,"end":583.9,"confidence":0.984375,"punctuated_word":"already","sentiment":"neutral","sentiment_score":-0.192902609705925},{"word":"gone","start":583.9,"end":584.14,"confidence":0.77319336,"punctuated_word":"gone.","sentiment":"neutral","sentiment_score":-0.20017090439796448},{"word":"yeah","start":584.14,"end":584.38,"confidence":0.96850586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0715126246213913},{"word":"it's","start":584.38,"end":584.54,"confidence":0.97802734,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.11858853697776794},{"word":"got","start":584.54,"end":584.78,"confidence":0.88720703,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.10712379217147829},{"word":"a","start":584.78,"end":584.94,"confidence":0.8105469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08305767178535461},{"word":"dim","start":584.94,"end":585.18,"confidence":0.98095703,"punctuated_word":"dim","sentiment":"neutral","sentiment_score":-0.06269626319408417},{"word":"red","start":585.18,"end":585.68,"confidence":0.73339844,"punctuated_word":"red,","sentiment":"neutral","sentiment_score":-0.09593576192855836},{"word":"but","start":586.38,"end":586.54,"confidence":0.83984375,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.06289734691381454},{"word":"it's","start":586.54,"end":586.78,"confidence":0.9855957,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.07811348885297775},{"word":"all","start":586.78,"end":587.1,"confidence":0.24169922,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.027204282581806183},{"word":"solved","start":587.1,"end":587.5,"confidence":0.57629395,"punctuated_word":"solved.","sentiment":"neutral","sentiment_score":-0.05225194990634918},{"word":"yeah","start":587.5,"end":588.0,"confidence":0.92578125,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.018903687596321102},{"word":"alright","start":593.205,"end":593.705,"confidence":0.6586914,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.006853861268609762},{"word":"yep","start":594.965,"end":595.465,"confidence":0.90966797,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.03342389687895775},{"word":"yeah","start":601.445,"end":601.765,"confidence":0.9904785,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.015049897134304048},{"word":"because","start":601.765,"end":602.16504,"confidence":0.9863281,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.07244539260864258},{"word":"i","start":602.16504,"end":602.405,"confidence":0.8071289,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11207640171051024},{"word":"kept","start":602.405,"end":602.645,"confidence":0.79052734,"punctuated_word":"kept","sentiment":"neutral","sentiment_score":-0.13784675300121307},{"word":"looking","start":602.645,"end":602.965,"confidence":0.9970703,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.08534163981676102},{"word":"at","start":602.965,"end":603.125,"confidence":0.9716797,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1588870882987976},{"word":"me","start":603.125,"end":603.28503,"confidence":0.84277344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.13871923089027405},{"word":"net","start":603.28503,"end":603.60504,"confidence":0.48168945,"punctuated_word":"net","sentiment":"neutral","sentiment_score":-0.09652435034513474},{"word":"me","start":603.84503,"end":604.005,"confidence":0.54833984,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.14872215688228607},{"word":"so","start":604.005,"end":604.245,"confidence":0.31884766,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.12490825355052948},{"word":"far","start":604.245,"end":604.48505,"confidence":0.6230469,"punctuated_word":"far","sentiment":"neutral","sentiment_score":-0.08562016487121582},{"word":"and","start":604.48505,"end":604.645,"confidence":0.75927734,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.09683331847190856},{"word":"thinking","start":604.645,"end":605.145,"confidence":0.71484375,"punctuated_word":"thinking,","sentiment":"neutral","sentiment_score":-0.12061744183301926},{"word":"i","start":605.37994,"end":605.62,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.16373726725578308},{"word":"could","start":605.62,"end":605.69995,"confidence":0.9873047,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.19192425906658173},{"word":"never","start":605.69995,"end":606.19995,"confidence":1.0,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.17079341411590576},{"word":"retire","start":606.25995,"end":606.69995,"confidence":0.99316406,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":-0.14996518194675446},{"word":"off","start":606.69995,"end":607.13995,"confidence":0.42797852,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.14348973333835602},{"word":"this","start":607.13995,"end":607.63995,"confidence":0.7495117,"punctuated_word":"this.","sentiment":"neutral","sentiment_score":-0.15401995182037354},{"word":"but","start":609.45996,"end":609.69995,"confidence":0.31054688,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.041873835027217865},{"word":"anyway","start":609.69995,"end":609.93994,"confidence":0.39746094,"punctuated_word":"anyway","sentiment":"neutral","sentiment_score":-0.032879509031772614},{"word":"yeah","start":618.5,"end":619.0,"confidence":0.96313477,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0874728411436081},{"word":"so","start":624.125,"end":624.365,"confidence":0.50439453,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.02892051637172699},{"word":"if","start":624.365,"end":624.445,"confidence":0.9921875,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.04165332019329071},{"word":"i","start":624.445,"end":624.84503,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05070779100060463},{"word":"if","start":624.84503,"end":625.165,"confidence":0.9951172,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.05140060186386109},{"word":"i","start":625.165,"end":625.405,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05246739462018013},{"word":"figure","start":625.405,"end":625.885,"confidence":0.9970703,"punctuated_word":"figure","sentiment":"neutral","sentiment_score":-0.07654964923858643},{"word":"out","start":625.885,"end":626.28503,"confidence":0.99121094,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.06453825533390045},{"word":"what","start":626.28503,"end":626.525,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.08415959775447845},{"word":"i","start":626.525,"end":626.685,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07768145203590393},{"word":"should","start":626.685,"end":626.84503,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.08177420496940613},{"word":"have","start":626.84503,"end":627.005,"confidence":0.72021484,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.07961279153823853},{"word":"been","start":627.005,"end":627.325,"confidence":0.9970703,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.08619958162307739},{"word":"paid","start":627.325,"end":627.565,"confidence":0.9633789,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.08171379566192627},{"word":"in","start":627.565,"end":627.805,"confidence":0.98535156,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0774512067437172},{"word":"super","start":627.805,"end":628.205,"confidence":0.85253906,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.05587212368845939},{"word":"off","start":628.205,"end":628.445,"confidence":0.97802734,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.062129586935043335},{"word":"of","start":628.445,"end":628.685,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09101612865924837},{"word":"my","start":628.685,"end":629.185,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.04524022340774536},{"word":"employers","start":630.445,"end":630.945,"confidence":0.93652344,"punctuated_word":"employers,","sentiment":"neutral","sentiment_score":-0.035782843828201294},{"word":"are","start":632.37,"end":632.61,"confidence":0.99609375,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.008644163608551025},{"word":"you","start":632.61,"end":632.85,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.006032921373844147},{"word":"able","start":632.85,"end":633.17,"confidence":0.9970703,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.0016641411930322647},{"word":"to","start":633.17,"end":633.56995,"confidence":0.9970703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0017827264964580536},{"word":"have","start":633.56995,"end":633.81,"confidence":0.9941406,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0015753768384456637},{"word":"a","start":633.81,"end":633.97,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0015928521752357485},{"word":"look","start":633.97,"end":634.20996,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.007398918271064758},{"word":"to","start":634.20996,"end":634.29,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.004754591733217239},{"word":"see","start":634.29,"end":634.44995,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.00034756213426589966},{"word":"if","start":634.44995,"end":634.61,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.015177642926573752},{"word":"it","start":634.61,"end":634.69,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03637922182679176},{"word":"has","start":634.69,"end":634.93,"confidence":0.97802734,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.03721513971686363},{"word":"been","start":634.93,"end":635.05,"confidence":0.9223633,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.055369287729263306},{"word":"all","start":635.17,"end":635.32996,"confidence":0.91748047,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.04048836976289749},{"word":"been","start":635.32996,"end":635.64996,"confidence":0.99121094,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.052006468176841736},{"word":"paid","start":635.64996,"end":636.14996,"confidence":0.99902344,"punctuated_word":"paid?","sentiment":"neutral","sentiment_score":-0.0348222590982914},{"word":"yeah","start":639.25,"end":639.64996,"confidence":0.984375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.008765436708927155},{"word":"because","start":639.64996,"end":640.14996,"confidence":0.9707031,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.06509192287921906},{"word":"i've","start":640.76996,"end":641.17,"confidence":0.64245605,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.10573306679725648},{"word":"i've","start":641.17,"end":641.56995,"confidence":0.86157227,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.1107667237520218},{"word":"i've","start":641.56995,"end":641.73,"confidence":0.7307129,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.10798096656799316},{"word":"every","start":642.05,"end":642.37,"confidence":0.9951172,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.12987686693668363},{"word":"time","start":642.37,"end":642.61,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.0940680056810379},{"word":"i","start":642.61,"end":642.69,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11933565884828568},{"word":"go","start":642.69,"end":642.85,"confidence":0.9941406,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.1143031045794487},{"word":"on","start":642.85,"end":643.00995,"confidence":0.7783203,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.07371388375759125},{"word":"a","start":643.00995,"end":643.17,"confidence":0.70654297,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08501561731100082},{"word":"netwealth","start":643.17,"end":643.67,"confidence":0.84033203,"punctuated_word":"Netwealth,","sentiment":"neutral","sentiment_score":-0.09425061196088792},{"word":"i","start":644.37,"end":644.61,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.154277503490448},{"word":"can't","start":644.61,"end":644.93,"confidence":1.0,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.1250602900981903},{"word":"see","start":644.93,"end":645.08997,"confidence":0.9941406,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.11123599857091904},{"word":"it","start":645.08997,"end":645.32996,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.14284351468086243},{"word":"all","start":645.32996,"end":645.49,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.11466498672962187},{"word":"being","start":645.49,"end":645.81,"confidence":0.9506836,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.1369064897298813},{"word":"paid","start":645.81,"end":646.31,"confidence":0.99560547,"punctuated_word":"paid.","sentiment":"neutral","sentiment_score":-0.11798034608364104},{"word":"so","start":648.635,"end":648.955,"confidence":0.9921875,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03118416666984558},{"word":"over","start":648.955,"end":649.27496,"confidence":0.9370117,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.017657063901424408},{"word":"the","start":649.27496,"end":649.435,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.009098958224058151},{"word":"last","start":649.435,"end":649.675,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.011772312223911284},{"word":"year","start":649.675,"end":649.915,"confidence":0.9890137,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.010199513286352158},{"word":"i'm","start":649.915,"end":650.15497,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.04286058247089386},{"word":"gonna","start":650.15497,"end":650.395,"confidence":0.9790039,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.0506555438041687},{"word":"go","start":650.395,"end":650.635,"confidence":0.99609375,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.04231485351920128},{"word":"through","start":650.635,"end":650.875,"confidence":0.9941406,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.0038523823022842407},{"word":"it","start":650.875,"end":651.115,"confidence":0.78027344,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.02279677987098694},{"word":"and","start":651.115,"end":651.27496,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04837598279118538},{"word":"i'll","start":651.27496,"end":651.595,"confidence":0.9995117,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.05734817311167717},{"word":"i'll","start":651.595,"end":651.755,"confidence":0.9975586,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.05394202470779419},{"word":"do","start":651.755,"end":651.915,"confidence":0.94970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.02796883136034012},{"word":"up","start":651.915,"end":652.075,"confidence":0.85839844,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.02666798233985901},{"word":"a","start":652.075,"end":652.235,"confidence":0.9472656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03137578070163727},{"word":"list","start":652.235,"end":652.555,"confidence":0.8833008,"punctuated_word":"list.","sentiment":"neutral","sentiment_score":0.00006996374577283859},{"word":"and","start":652.555,"end":652.71497,"confidence":0.99609375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.032992683351039886},{"word":"even","start":652.71497,"end":652.955,"confidence":0.99902344,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.008692714385688305},{"word":"if","start":652.955,"end":653.195,"confidence":1.0,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.01055937074124813},{"word":"i","start":653.195,"end":653.355,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03297422081232071},{"word":"email","start":653.355,"end":653.595,"confidence":0.9980469,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.05000625178217888},{"word":"it","start":653.595,"end":653.83496,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03882388770580292},{"word":"to","start":653.83496,"end":653.915,"confidence":0.9902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02430114895105362},{"word":"you","start":653.915,"end":654.075,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.030401308089494705},{"word":"and","start":654.075,"end":654.315,"confidence":0.8510742,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.017957530915737152},{"word":"just","start":654.315,"end":654.475,"confidence":0.99121094,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.02757074683904648},{"word":"see","start":654.475,"end":654.635,"confidence":0.9970703,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.021598704159259796},{"word":"if","start":654.635,"end":654.795,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.01973390392959118},{"word":"it's","start":654.795,"end":654.955,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.07087311148643494},{"word":"all","start":654.955,"end":655.195,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.07500483095645905},{"word":"been","start":655.195,"end":655.435,"confidence":0.97802734,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.06235257536172867},{"word":"paid","start":655.435,"end":655.935,"confidence":0.6657715,"punctuated_word":"paid,","sentiment":"neutral","sentiment_score":0.0503101721405983},{"word":"because","start":656.71497,"end":657.035,"confidence":0.74072266,"punctuated_word":"because","sentiment":"positive","sentiment_score":0.35349681973457336},{"word":"i've","start":657.035,"end":657.27496,"confidence":0.84375,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.41437381505966187},{"word":"got","start":657.27496,"end":657.355,"confidence":0.9165039,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.4497309923171997},{"word":"i've","start":657.435,"end":657.675,"confidence":0.93896484,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.3882545232772827},{"word":"still","start":657.675,"end":657.915,"confidence":0.9873047,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.3217605650424957},{"word":"got","start":657.915,"end":658.315,"confidence":0.99902344,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.3769249320030213},{"word":"i've","start":658.315,"end":658.555,"confidence":0.9782715,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.4040483832359314},{"word":"still","start":658.555,"end":658.795,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.3268004059791565},{"word":"got","start":658.795,"end":659.035,"confidence":1.0,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.37167179584503174},{"word":"every","start":659.035,"end":659.355,"confidence":0.99121094,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.3114967346191406},{"word":"time","start":659.355,"end":659.675,"confidence":0.7104492,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.3607938289642334},{"word":"sheet","start":659.675,"end":659.995,"confidence":0.9326172,"punctuated_word":"sheet.","sentiment":"positive","sentiment_score":0.3498039245605469},{"word":"so","start":659.995,"end":660.495,"confidence":0.90771484,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.23262132704257965},{"word":"yep","start":669.67,"end":670.17,"confidence":0.9453125,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.1745501160621643},{"word":"yeah","start":673.50995,"end":674.00995,"confidence":0.9428711,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16320890188217163},{"word":"yeah","start":676.325,"end":676.645,"confidence":0.99365234,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.048451658338308334},{"word":"no","start":676.645,"end":676.805,"confidence":0.9838867,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.003523770719766617},{"word":"that's","start":676.805,"end":677.205,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.04470376297831535},{"word":"alright","start":677.205,"end":677.60504,"confidence":0.99853516,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":0.040796712040901184},{"word":"yeah","start":677.60504,"end":678.10504,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11260540783405304},{"word":"because","start":678.645,"end":678.965,"confidence":0.9428711,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.27170631289482117},{"word":"because","start":678.965,"end":679.36505,"confidence":0.96777344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.2296111136674881},{"word":"out","start":679.36505,"end":679.60504,"confidence":0.48950195,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.4392577409744262},{"word":"of","start":679.60504,"end":679.765,"confidence":0.99609375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.011026106774806976},{"word":"all","start":679.765,"end":680.16504,"confidence":0.9404297,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.02098126709461212},{"word":"the","start":680.16504,"end":680.48505,"confidence":0.8154297,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04120722413063049},{"word":"the","start":680.48505,"end":680.645,"confidence":0.6772461,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03623533993959427},{"word":"twelve","start":680.645,"end":680.965,"confidence":0.99316406,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.13138775527477264},{"word":"months","start":680.965,"end":681.28503,"confidence":0.9589844,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":-0.09093676507472992},{"word":"i","start":681.28503,"end":681.445,"confidence":0.97265625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2061641216278076},{"word":"kept","start":681.445,"end":681.685,"confidence":0.9980469,"punctuated_word":"kept","sentiment":"neutral","sentiment_score":-0.22668631374835968},{"word":"watching","start":681.685,"end":682.185,"confidence":1.0,"punctuated_word":"watching","sentiment":"neutral","sentiment_score":-0.160605326294899},{"word":"me","start":682.645,"end":682.965,"confidence":0.8183594,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.22585749626159668},{"word":"super","start":682.965,"end":683.36505,"confidence":0.8017578,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.23386117815971377},{"word":"go","start":683.36505,"end":683.60504,"confidence":0.9902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.24451132118701935},{"word":"down","start":683.60504,"end":683.84503,"confidence":0.7573242,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":-0.1126975566148758},{"word":"and","start":683.84503,"end":684.005,"confidence":0.734375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.08017197251319885},{"word":"i","start":684.005,"end":684.085,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0957055389881134},{"word":"thought","start":684.085,"end":684.405,"confidence":0.8718262,"punctuated_word":"thought,","sentiment":"neutral","sentiment_score":-0.08029063045978546},{"word":"how","start":684.405,"end":684.48505,"confidence":0.9980469,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.1565164029598236},{"word":"could","start":684.48505,"end":684.72504,"confidence":0.9970703,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.1342235803604126},{"word":"that","start":684.72504,"end":684.965,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0769014060497284},{"word":"be","start":684.965,"end":685.125,"confidence":0.9863281,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.09181893616914748},{"word":"when","start":685.125,"end":685.28503,"confidence":0.8432617,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.058011822402477264},{"word":"because","start":685.525,"end":685.92505,"confidence":0.99609375,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.03926851972937584},{"word":"it's","start":685.92505,"end":686.245,"confidence":0.9169922,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.07457348704338074},{"word":"been","start":686.245,"end":686.565,"confidence":0.43945312,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.10482852160930634},{"word":"the","start":686.565,"end":686.72504,"confidence":0.37353516,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07722052931785583},{"word":"market","start":686.72504,"end":687.22504,"confidence":0.97216797,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":-0.06562074273824692},{"word":"yeah","start":687.41003,"end":687.73004,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0042502544820308685},{"word":"it's","start":687.73004,"end":688.05005,"confidence":0.8339844,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.009457043372094631},{"word":"yeah","start":688.37,"end":688.53,"confidence":0.9926758,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.008913010358810425},{"word":"no","start":688.53,"end":688.77,"confidence":0.7441406,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11273671686649324},{"word":"i","start":688.77,"end":689.01,"confidence":0.9863281,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09962597489356996},{"word":"know","start":689.01,"end":689.49,"confidence":0.96606445,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.09162693470716476},{"word":"but","start":689.49,"end":689.81,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.09336145967245102},{"word":"then","start":689.81,"end":690.05,"confidence":0.97802734,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.06738001108169556},{"word":"i","start":690.05,"end":690.21,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08775027096271515},{"word":"think","start":690.21,"end":690.71,"confidence":0.76342773,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":-0.0743081271648407},{"word":"well","start":690.77,"end":690.93,"confidence":0.9951172,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.07689355313777924},{"word":"a","start":690.93,"end":691.17004,"confidence":0.97314453,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06654297560453415},{"word":"thousand","start":691.17004,"end":691.57,"confidence":0.99902344,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":-0.02694810926914215},{"word":"dollars","start":691.57,"end":691.97003,"confidence":1.0,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":-0.017943523824214935},{"word":"got","start":691.97003,"end":692.21,"confidence":0.9970703,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.052235547453165054},{"word":"paid","start":692.21,"end":692.45,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.020331166684627533},{"word":"this","start":692.45,"end":692.69,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.05383642017841339},{"word":"week","start":692.69,"end":693.19,"confidence":0.71972656,"punctuated_word":"week","sentiment":"neutral","sentiment_score":-0.0501699298620224},{"word":"this","start":693.41003,"end":693.73004,"confidence":0.96777344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.051523663103580475},{"word":"this","start":693.73004,"end":694.13,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.04908537119626999},{"word":"week","start":694.13,"end":694.63,"confidence":0.94384766,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":-0.06299013644456863},{"word":"so","start":694.69,"end":695.17004,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.07322181016206741},{"word":"how","start":695.17004,"end":695.33,"confidence":0.9970703,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.21099647879600525},{"word":"can","start":695.33,"end":695.65,"confidence":0.9970703,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.1694604754447937},{"word":"i","start":695.65,"end":695.89,"confidence":0.9316406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10970188677310944},{"word":"go","start":695.89,"end":696.13,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.11231210827827454},{"word":"down","start":696.13,"end":696.45,"confidence":0.9980469,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.07479630410671234},{"word":"that","start":696.45,"end":696.61005,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0937950685620308},{"word":"much","start":696.61005,"end":696.85004,"confidence":0.5957031,"punctuated_word":"much?","sentiment":"neutral","sentiment_score":-0.10352756083011629},{"word":"because","start":696.85004,"end":697.17004,"confidence":0.25463867,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.06965847313404083},{"word":"it's","start":697.17004,"end":697.41003,"confidence":0.96875,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.07352183759212494},{"word":"a","start":697.41003,"end":697.49,"confidence":0.59375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07174406945705414},{"word":"market","start":697.49,"end":697.73004,"confidence":0.89331055,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":-0.08575385808944702},{"word":"yeah","start":697.73004,"end":697.97003,"confidence":0.96069336,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.014848317950963974},{"word":"it","start":697.97003,"end":698.13,"confidence":0.9863281,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.02442583441734314},{"word":"is","start":698.13,"end":698.29004,"confidence":0.9873047,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.03781871870160103},{"word":"the","start":698.29004,"end":698.45,"confidence":0.7446289,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03413832187652588},{"word":"market","start":698.45,"end":698.85004,"confidence":0.9975586,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":-0.03509868308901787},{"word":"i","start":698.85004,"end":699.01,"confidence":0.97802734,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.028215687721967697},{"word":"understand","start":699.01,"end":699.51,"confidence":0.9980469,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":-0.03553519397974014},{"word":"that","start":699.65,"end":700.15,"confidence":0.986084,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.038544684648513794},{"word":"but","start":700.37,"end":700.53,"confidence":0.63916016,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.030541956424713135},{"word":"when","start":700.61005,"end":700.69,"confidence":0.7441406,"punctuated_word":"When","sentiment":"neutral","sentiment_score":-0.03068063966929913},{"word":"the","start":700.69,"end":700.85004,"confidence":0.87890625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05042746663093567},{"word":"war","start":700.85004,"end":701.17004,"confidence":0.59521484,"punctuated_word":"war","sentiment":"neutral","sentiment_score":-0.0750516802072525},{"word":"when","start":701.17004,"end":701.41003,"confidence":0.97802734,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.047561418265104294},{"word":"the","start":701.41003,"end":701.57,"confidence":0.9790039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06973806768655777},{"word":"war","start":701.57,"end":701.81,"confidence":0.96435547,"punctuated_word":"war","sentiment":"neutral","sentiment_score":-0.11303652077913284},{"word":"broke","start":701.81,"end":702.13,"confidence":0.99121094,"punctuated_word":"broke","sentiment":"neutral","sentiment_score":-0.10601294040679932},{"word":"out","start":702.13,"end":702.615,"confidence":0.8937988,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.06305213272571564},{"word":"alright","start":704.295,"end":704.795,"confidence":0.60595703,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.009606562554836271},{"word":"oh","start":706.375,"end":706.535,"confidence":0.55633545,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.06054312363266945},{"word":"no","start":706.535,"end":706.695,"confidence":0.85302734,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.08996087312698364},{"word":"no","start":706.695,"end":706.77496,"confidence":0.8989258,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.09428369253873824},{"word":"yep","start":706.77496,"end":707.27496,"confidence":0.6984863,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.05602021515369415},{"word":"mister","start":708.375,"end":708.77496,"confidence":0.9614258,"punctuated_word":"Mister","sentiment":"neutral","sentiment_score":-0.09340053796768188},{"word":"freaking","start":708.77496,"end":709.175,"confidence":0.5229492,"punctuated_word":"freaking","sentiment":"neutral","sentiment_score":-0.18388915061950684},{"word":"trump","start":709.175,"end":709.675,"confidence":0.7126465,"punctuated_word":"Trump,","sentiment":"neutral","sentiment_score":-0.16848835349082947},{"word":"and","start":709.735,"end":709.975,"confidence":0.9790039,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.12985385954380035},{"word":"he's","start":709.975,"end":710.295,"confidence":0.94189453,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":-0.1066574826836586},{"word":"right","start":710.295,"end":710.615,"confidence":0.8647461,"punctuated_word":"right","sentiment":"neutral","sentiment_score":-0.046961285173892975},{"word":"our","start":710.615,"end":710.77496,"confidence":0.32421875,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.14480778574943542},{"word":"deal","start":710.77496,"end":711.27496,"confidence":0.8720703,"punctuated_word":"deal.","sentiment":"neutral","sentiment_score":-0.1161913275718689},{"word":"yeah","start":724.45,"end":724.85004,"confidence":0.857666,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.1211136132478714},{"word":"terrible","start":724.85004,"end":725.35004,"confidence":0.898112,"punctuated_word":"Terrible.","sentiment":"neutral","sentiment_score":-0.1601186841726303},{"word":"what","start":725.57,"end":725.81,"confidence":0.9267578,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.06827697157859802},{"word":"what","start":725.81,"end":726.05,"confidence":0.9633789,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.10093612223863602},{"word":"got","start":726.05,"end":726.29,"confidence":0.97802734,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.13619349896907806},{"word":"me","start":726.29,"end":726.53,"confidence":0.7368164,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":-0.1530601680278778},{"word":"diana","start":726.53,"end":726.93,"confidence":0.8322754,"punctuated_word":"Diana,","sentiment":"neutral","sentiment_score":-0.052016258239746094},{"word":"was","start":726.93,"end":727.43,"confidence":0.9970703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.06848842650651932},{"word":"the","start":728.85004,"end":729.01,"confidence":0.90478516,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07270391285419464},{"word":"day","start":729.01,"end":729.25,"confidence":0.9970703,"punctuated_word":"day","sentiment":"neutral","sentiment_score":-0.06031347066164017},{"word":"before","start":729.25,"end":729.65,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.07548855245113373},{"word":"the","start":729.65,"end":729.81,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09231029450893402},{"word":"war","start":729.81,"end":730.05,"confidence":0.9951172,"punctuated_word":"war","sentiment":"neutral","sentiment_score":-0.14009109139442444},{"word":"started","start":730.05,"end":730.53,"confidence":0.9589844,"punctuated_word":"started,","sentiment":"neutral","sentiment_score":-0.1074703335762024},{"word":"no","start":730.53,"end":730.69,"confidence":0.97265625,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.1286180019378662},{"word":"one","start":730.69,"end":730.93,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.18054960668087008},{"word":"even","start":730.93,"end":731.17,"confidence":0.99609375,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.14097654819488523},{"word":"knew","start":731.17,"end":731.41003,"confidence":0.99609375,"punctuated_word":"knew","sentiment":"neutral","sentiment_score":-0.15778300166130066},{"word":"the","start":731.41003,"end":731.49,"confidence":0.76416016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.18141523003578183},{"word":"war","start":731.49,"end":731.925,"confidence":0.9838867,"punctuated_word":"war","sentiment":"neutral","sentiment_score":-0.21511295437812805},{"word":"gonna","start":732.005,"end":732.245,"confidence":0.9970703,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.18172168731689453},{"word":"start","start":732.245,"end":732.485,"confidence":0.99658203,"punctuated_word":"start.","sentiment":"neutral","sentiment_score":-0.11261236667633057},{"word":"his","start":732.485,"end":732.885,"confidence":0.9838867,"punctuated_word":"His","sentiment":"neutral","sentiment_score":-0.05297926068305969},{"word":"son","start":732.885,"end":733.125,"confidence":1.0,"punctuated_word":"son","sentiment":"neutral","sentiment_score":-0.041120562702417374},{"word":"bought","start":733.125,"end":733.445,"confidence":0.9980469,"punctuated_word":"bought","sentiment":"neutral","sentiment_score":-0.02636360377073288},{"word":"30,000,000","start":733.445,"end":734.245,"confidence":0.9909668,"punctuated_word":"30,000,000","sentiment":"neutral","sentiment_score":-0.009772095829248428},{"word":"shares","start":734.245,"end":734.565,"confidence":0.99902344,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":-0.017106443643569946},{"word":"in","start":734.565,"end":734.805,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.024444786831736565},{"word":"oil","start":734.805,"end":735.305,"confidence":0.99853516,"punctuated_word":"oil.","sentiment":"neutral","sentiment_score":-0.021995749324560165},{"word":"yeah","start":740.165,"end":740.485,"confidence":0.82055664,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.00394229032099247},{"word":"but","start":740.485,"end":740.725,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.051804669201374054},{"word":"i","start":740.725,"end":740.885,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06659480184316635},{"word":"reckon","start":740.885,"end":741.205,"confidence":0.99902344,"punctuated_word":"reckon","sentiment":"neutral","sentiment_score":-0.09152698516845705},{"word":"he","start":741.205,"end":741.285,"confidence":0.9921875,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.09526054561138152},{"word":"was","start":741.285,"end":741.52496,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.12602239847183228},{"word":"tipped","start":741.52496,"end":741.845,"confidence":0.99609375,"punctuated_word":"tipped","sentiment":"neutral","sentiment_score":-0.165640190243721},{"word":"off","start":741.845,"end":742.245,"confidence":0.9980469,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":-0.1185351088643074},{"word":"of","start":742.245,"end":742.40497,"confidence":0.6894531,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":-0.05572822690010071},{"word":"course","start":742.40497,"end":742.565,"confidence":0.7585449,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":-0.02370840683579445},{"word":"he","start":742.565,"end":742.64496,"confidence":0.9819336,"punctuated_word":"He","sentiment":"neutral","sentiment_score":-0.0453258752822876},{"word":"was","start":742.64496,"end":742.805,"confidence":0.984375,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.05012820288538933},{"word":"tipped","start":742.805,"end":743.125,"confidence":0.98095703,"punctuated_word":"tipped","sentiment":"neutral","sentiment_score":-0.04925673454999924},{"word":"off","start":743.125,"end":743.625,"confidence":0.9855957,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":-0.06556538492441177},{"word":"yeah","start":757.02,"end":757.52,"confidence":0.94091797,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03278403729200363},{"word":"yeah","start":766.905,"end":767.385,"confidence":0.7937012,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03936922922730446},{"word":"yeah","start":767.385,"end":767.625,"confidence":0.9875488,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08333691954612732},{"word":"of","start":767.625,"end":767.78503,"confidence":0.96435547,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":0.11643940955400468},{"word":"course","start":767.78503,"end":768.28503,"confidence":0.99853516,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":0.16310951113700867},{"word":"he's","start":768.34503,"end":768.66504,"confidence":0.97143555,"punctuated_word":"He's","sentiment":"neutral","sentiment_score":0.26357972621917725},{"word":"created","start":768.66504,"end":769.16504,"confidence":0.9970703,"punctuated_word":"created","sentiment":"neutral","sentiment_score":0.20232611894607544},{"word":"he's","start":769.385,"end":769.705,"confidence":0.9736328,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":0.32388097047805786},{"word":"created","start":769.705,"end":770.10504,"confidence":1.0,"punctuated_word":"created","sentiment":"neutral","sentiment_score":0.23183651268482208},{"word":"a","start":770.10504,"end":770.265,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3742668032646179},{"word":"fantastic","start":770.265,"end":770.765,"confidence":1.0,"punctuated_word":"fantastic","sentiment":"positive","sentiment_score":0.4818660020828247},{"word":"market","start":770.98505,"end":771.385,"confidence":1.0,"punctuated_word":"market","sentiment":"positive","sentiment_score":0.496379554271698},{"word":"for","start":771.385,"end":771.78503,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.32560840249061584},{"word":"for","start":771.78503,"end":772.28503,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.33191412687301636},{"word":"the","start":772.34503,"end":772.585,"confidence":0.6948242,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.44332191348075867},{"word":"mall","start":772.585,"end":772.825,"confidence":0.7397461,"punctuated_word":"mall","sentiment":"neutral","sentiment_score":0.1087273135781288},{"word":"over","start":772.825,"end":773.065,"confidence":0.9267578,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.145772784948349},{"word":"there","start":773.065,"end":773.385,"confidence":0.9807129,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.19036263227462769},{"word":"just","start":773.385,"end":773.54504,"confidence":0.8457031,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.19620460271835327},{"word":"ridiculous","start":773.54504,"end":774.04504,"confidence":0.99902344,"punctuated_word":"ridiculous.","sentiment":"neutral","sentiment_score":0.16767705976963043},{"word":"yep","start":788.28,"end":788.78,"confidence":0.93530273,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15043678879737854},{"word":"yep","start":814.45996,"end":814.95996,"confidence":0.8432617,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.33564791083335876},{"word":"yep","start":823.95496,"end":824.45496,"confidence":0.92529297,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05977819487452507},{"word":"mhmm","start":824.755,"end":825.235,"confidence":0.9869385,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.031078120693564415},{"word":"mhmm","start":825.235,"end":825.735,"confidence":0.9156494,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.050569258630275726},{"word":"yeah","start":843.48004,"end":843.975,"confidence":0.92211914,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.047615982592105865},{"word":"mhmm","start":843.975,"end":844.475,"confidence":0.94091797,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.013615421019494534},{"word":"yep","start":851.64746,"end":852.14746,"confidence":0.9746094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01681475155055523},{"word":"yep","start":870.04,"end":870.54,"confidence":0.9904785,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.18148377537727356},{"word":"and","start":892.14,"end":892.38,"confidence":0.8276367,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.021894250065088272},{"word":"they're","start":892.38,"end":892.7,"confidence":0.9807129,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.09489893168210985},{"word":"out","start":892.7,"end":893.2,"confidence":0.9760742,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.08722056448459625},{"word":"mhmm","start":898.565,"end":899.065,"confidence":0.8703003,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.006838519126176834},{"word":"yes","start":903.925,"end":904.40497,"confidence":0.7753906,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.017824968323111534},{"word":"yep","start":904.40497,"end":904.90497,"confidence":0.91186523,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04531222581863403},{"word":"yep","start":905.125,"end":905.625,"confidence":0.86694336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.054582856595516205},{"word":"yep","start":914.92,"end":915.42,"confidence":0.9177246,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16217200458049774},{"word":"yep","start":928.075,"end":928.575,"confidence":0.8256836,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17664282023906708},{"word":"yep","start":937.61,"end":938.11,"confidence":0.8359375,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.27539825439453125},{"word":"yeah","start":964.74005,"end":965.24005,"confidence":0.87231445,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2012367844581604},{"word":"yeah","start":975.54004,"end":976.04004,"confidence":0.94628906,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0728129893541336},{"word":"so","start":976.305,"end":976.465,"confidence":0.8364258,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3310737907886505},{"word":"what","start":976.465,"end":976.965,"confidence":0.9970703,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.4041129946708679},{"word":"is","start":977.265,"end":977.765,"confidence":0.97998047,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3233734667301178},{"word":"on","start":978.945,"end":979.445,"confidence":0.62158203,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.377790629863739},{"word":"a","start":979.825,"end":979.905,"confidence":0.5473633,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4233219027519226},{"word":"a","start":979.905,"end":979.985,"confidence":0.53125,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4162149429321289},{"word":"core","start":979.985,"end":980.305,"confidence":0.5395508,"punctuated_word":"core","sentiment":"positive","sentiment_score":0.3518030047416687},{"word":"competent","start":980.305,"end":980.805,"confidence":0.3696289,"punctuated_word":"competent","sentiment":"positive","sentiment_score":0.3680766820907593},{"word":"comp","start":981.585,"end":981.985,"confidence":0.28344727,"punctuated_word":"comp","sentiment":"positive","sentiment_score":0.434287428855896},{"word":"composite","start":982.065,"end":982.565,"confidence":0.7246094,"punctuated_word":"composite","sentiment":"positive","sentiment_score":0.4450666308403015},{"word":"bond","start":982.705,"end":983.205,"confidence":0.83496094,"punctuated_word":"bond,","sentiment":"neutral","sentiment_score":0.32396918535232544},{"word":"it's","start":984.945,"end":985.265,"confidence":0.95996094,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.19357705116271973},{"word":"got","start":985.265,"end":985.425,"confidence":0.89746094,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.18931671977043152},{"word":"an","start":985.425,"end":985.745,"confidence":0.8173828,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.17606060206890106},{"word":"oh","start":986.145,"end":986.385,"confidence":0.84594727,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.16021889448165894},{"word":"you've","start":986.385,"end":986.705,"confidence":0.9951172,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.09972333908081056},{"word":"got","start":986.705,"end":987.205,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.10079234838485718},{"word":"shares","start":987.34503,"end":987.745,"confidence":0.9819336,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.07231555134057999},{"word":"already","start":987.745,"end":988.065,"confidence":0.9980469,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.09447621554136276},{"word":"in","start":988.065,"end":988.305,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06721343845129013},{"word":"that","start":988.305,"end":988.465,"confidence":0.7258301,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.06281586736440659},{"word":"have","start":988.465,"end":988.625,"confidence":0.9863281,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06710244715213776},{"word":"you","start":988.625,"end":989.125,"confidence":0.98168945,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.04233662784099579},{"word":"oh","start":994.49,"end":994.73,"confidence":0.7687988,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.02648923546075821},{"word":"yeah","start":994.73,"end":995.05,"confidence":0.970459,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.03240345045924187},{"word":"yep","start":995.05,"end":995.55,"confidence":0.8444824,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12303261458873747},{"word":"yeah","start":998.17,"end":998.57,"confidence":0.9802246,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09248106181621552},{"word":"right","start":998.57,"end":998.89,"confidence":0.6710205,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.0994858741760254},{"word":"yeah","start":998.89,"end":999.20996,"confidence":0.7022705,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10983844846487044},{"word":"i","start":999.20996,"end":999.37,"confidence":0.93359375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1433790922164917},{"word":"see","start":999.37,"end":999.61,"confidence":0.9819336,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1683623045682907},{"word":"all","start":999.61,"end":999.76996,"confidence":0.9760742,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1584310531616211},{"word":"that","start":999.76996,"end":1000.01,"confidence":0.7019043,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.10510019958019257},{"word":"yeah","start":1000.01,"end":1000.25,"confidence":0.9863281,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10721097141504288},{"word":"i","start":1000.25,"end":1000.32996,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10884755849838255},{"word":"see","start":1000.32996,"end":1000.49,"confidence":0.98535156,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.12800106406211853},{"word":"that","start":1000.49,"end":1000.73,"confidence":0.9506836,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09223693609237672},{"word":"it","start":1000.73,"end":1000.89,"confidence":0.76708984,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.22759710252285004},{"word":"everything","start":1000.97,"end":1001.47,"confidence":0.99902344,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.26573631167411804},{"word":"in","start":1001.52997,"end":1001.61,"confidence":0.49560547,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.19514180719852448},{"word":"green","start":1001.61,"end":1001.93,"confidence":0.7307129,"punctuated_word":"green,","sentiment":"neutral","sentiment_score":0.2669694125652313},{"word":"you're","start":1001.93,"end":1002.25,"confidence":0.9885254,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2860026955604553},{"word":"buying","start":1002.25,"end":1002.64996,"confidence":0.7783203,"punctuated_word":"buying,","sentiment":"neutral","sentiment_score":0.2444973587989807},{"word":"and","start":1002.64996,"end":1002.89,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.25469398498535156},{"word":"everything","start":1002.89,"end":1003.29,"confidence":1.0,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.27830833196640015},{"word":"in","start":1003.29,"end":1003.52997,"confidence":0.9350586,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.225912481546402},{"word":"red","start":1003.52997,"end":1003.69,"confidence":0.8676758,"punctuated_word":"red,","sentiment":"neutral","sentiment_score":0.2357838749885559},{"word":"you're","start":1003.69,"end":1003.93,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.24480599164962769},{"word":"selling","start":1003.93,"end":1004.43,"confidence":0.9995117,"punctuated_word":"selling.","sentiment":"neutral","sentiment_score":0.19213786721229553},{"word":"yep","start":1026.92,"end":1027.42,"confidence":0.7062988,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.045900799334049225},{"word":"yeah","start":1036.335,"end":1036.835,"confidence":0.79174805,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.012943154200911522},{"word":"yep","start":1068.7949,"end":1069.0349,"confidence":0.97875977,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07172451913356781},{"word":"yep","start":1069.0349,"end":1069.5349,"confidence":0.8959961,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09854663908481598},{"word":"okay","start":1099.225,"end":1099.725,"confidence":0.9746094,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.080787792801857},{"word":"yep","start":1099.865,"end":1100.365,"confidence":0.94628906,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1592426598072052},{"word":"yep","start":1127.005,"end":1127.405,"confidence":0.91259766,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09038510918617249},{"word":"yep","start":1127.405,"end":1127.905,"confidence":0.7265625,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11880844086408617},{"word":"yep","start":1151.2649,"end":1151.7649,"confidence":0.9904785,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1427689641714096},{"word":"i","start":1162.58,"end":1162.8201,"confidence":0.4580078,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15201926231384277},{"word":"can't","start":1162.8201,"end":1163.06,"confidence":0.7166748,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":0.09172235429286955},{"word":"say","start":1163.06,"end":1163.3,"confidence":0.7314453,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.11422860622406006},{"word":"that","start":1163.3,"end":1163.62,"confidence":0.8757324,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.1691054403781891},{"word":"yeah","start":1163.62,"end":1164.12,"confidence":0.9416504,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2860715389251709},{"word":"yep","start":1172.58,"end":1173.08,"confidence":0.9428711,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.3330833911895752},{"word":"yep","start":1186.89,"end":1187.39,"confidence":0.87890625,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15097472071647644},{"word":"alright","start":1209.625,"end":1210.125,"confidence":0.59313965,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.04769555851817131},{"word":"yes","start":1224.28,"end":1224.78,"confidence":0.8522949,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.11745119839906693},{"word":"no","start":1225.4,"end":1225.64,"confidence":0.6221924,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.20732849836349487},{"word":"that's","start":1225.64,"end":1225.88,"confidence":0.8930664,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.54966139793396},{"word":"okay","start":1225.88,"end":1226.38,"confidence":0.94628906,"punctuated_word":"okay.","sentiment":"positive","sentiment_score":0.5004664659500122},{"word":"yep","start":1235.4249,"end":1235.9249,"confidence":0.9343262,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14873705804347992},{"word":"not","start":1236.145,"end":1236.385,"confidence":0.9980469,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.2728677988052368},{"word":"a","start":1236.385,"end":1236.5449,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2042320966720581},{"word":"problem","start":1236.5449,"end":1237.0449,"confidence":0.9995117,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.2957184314727783},{"word":"yep","start":1257.145,"end":1257.645,"confidence":0.76708984,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13720563054084778},{"word":"yep","start":1266.265,"end":1266.765,"confidence":0.9511719,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.44157981872558594},{"word":"oh","start":1275.11,"end":1275.35,"confidence":0.7907715,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.06792081147432327},{"word":"okay","start":1275.35,"end":1275.83,"confidence":0.9980469,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.088743194937706},{"word":"yep","start":1275.83,"end":1276.33,"confidence":0.95703125,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07923378795385361},{"word":"yep","start":1276.5499,"end":1277.0499,"confidence":0.8364258,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10561862587928772},{"word":"mhmm","start":1285.8049,"end":1286.3049,"confidence":0.991333,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.06915800273418427},{"word":"okay","start":1292.365,"end":1292.845,"confidence":0.6295166,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.05458433926105499},{"word":"he's","start":1292.845,"end":1293.085,"confidence":0.99560547,"punctuated_word":"He's","sentiment":"neutral","sentiment_score":0.04972993582487106},{"word":"just","start":1293.085,"end":1293.4049,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05094370990991592},{"word":"getting","start":1293.4049,"end":1293.6449,"confidence":0.99902344,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.04925062507390976},{"word":"it","start":1293.6449,"end":1293.8049,"confidence":0.98828125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05622699856758118},{"word":"up","start":1293.8049,"end":1293.965,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.06320123374462128},{"word":"on","start":1293.965,"end":1294.205,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06854641437530518},{"word":"his","start":1294.205,"end":1294.445,"confidence":1.0,"punctuated_word":"his","sentiment":"neutral","sentiment_score":0.06543950736522675},{"word":"phone","start":1294.445,"end":1294.945,"confidence":0.99609375,"punctuated_word":"phone.","sentiment":"neutral","sentiment_score":0.07939314842224121},{"word":"before","start":1296.9601,"end":1297.4401,"confidence":0.97509766,"punctuated_word":"Before","sentiment":"neutral","sentiment_score":-0.0075153447687625885},{"word":"before","start":1297.4401,"end":1297.8401,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.025959033519029617},{"word":"we","start":1297.8401,"end":1298.0,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.030042069032788277},{"word":"start","start":1298.0,"end":1298.3201,"confidence":0.9970703,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.02958085387945175},{"word":"though","start":1298.3201,"end":1298.7201,"confidence":0.76782227,"punctuated_word":"though,","sentiment":"neutral","sentiment_score":-0.025530735030770305},{"word":"i","start":1298.7201,"end":1298.9601,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03055822104215622},{"word":"i","start":1298.9601,"end":1299.12,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.024892618879675865},{"word":"because","start":1299.68,"end":1300.16,"confidence":0.99902344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.08656727522611618},{"word":"mine's","start":1300.16,"end":1300.56,"confidence":0.98291016,"punctuated_word":"mine's","sentiment":"neutral","sentiment_score":-0.1250137984752655},{"word":"not","start":1300.56,"end":1300.8,"confidence":0.9970703,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1718241572380066},{"word":"probably","start":1300.8,"end":1301.12,"confidence":0.97998047,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.2185496687889099},{"word":"gonna","start":1301.12,"end":1301.36,"confidence":0.9980469,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.18896889686584473},{"word":"grow","start":1301.36,"end":1301.76,"confidence":0.99902344,"punctuated_word":"grow","sentiment":"neutral","sentiment_score":-0.18908533453941345},{"word":"because","start":1301.76,"end":1302.0,"confidence":0.9453125,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.1202290505170822},{"word":"i'm","start":1302.0,"end":1302.24,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.16399314999580383},{"word":"not","start":1302.24,"end":1302.48,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.20066967606544495},{"word":"working","start":1302.48,"end":1302.88,"confidence":1.0,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.20259402692317963},{"word":"anymore","start":1302.88,"end":1303.38,"confidence":0.94262695,"punctuated_word":"anymore,","sentiment":"neutral","sentiment_score":-0.18419107794761655},{"word":"i","start":1304.0,"end":1304.5,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.21127156913280487},{"word":"i","start":1304.64,"end":1304.8,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.24396789073944092},{"word":"can't","start":1304.8,"end":1305.12,"confidence":0.9975586,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.19396841526031497},{"word":"help","start":1305.12,"end":1305.36,"confidence":1.0,"punctuated_word":"help","sentiment":"neutral","sentiment_score":-0.19619952142238617},{"word":"but","start":1305.36,"end":1305.52,"confidence":0.9790039,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.22063425183296204},{"word":"wonder","start":1305.52,"end":1305.8401,"confidence":0.99902344,"punctuated_word":"wonder","sentiment":"neutral","sentiment_score":-0.21950796246528623},{"word":"whether","start":1305.8401,"end":1306.0801,"confidence":0.9980469,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.23966118693351743},{"word":"i","start":1306.0801,"end":1306.24,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2006697803735733},{"word":"would","start":1306.24,"end":1306.48,"confidence":0.9970703,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.19021177291870117},{"word":"make","start":1306.48,"end":1306.8,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.1795484870672226},{"word":"more","start":1306.8,"end":1307.04,"confidence":0.99902344,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.1986808478832245},{"word":"money","start":1307.04,"end":1307.4401,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.19211703538894653},{"word":"by","start":1307.4401,"end":1307.9401,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.24478572607040405},{"word":"putting","start":1308.0,"end":1308.3201,"confidence":1.0,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":-0.18804019689559937},{"word":"it","start":1308.3201,"end":1308.48,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1499861776828766},{"word":"all","start":1308.48,"end":1308.64,"confidence":0.9921875,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.11070491373538972},{"word":"on","start":1308.64,"end":1308.88,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.16736692190170288},{"word":"my","start":1308.88,"end":1309.04,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.17938508093357086},{"word":"house","start":1309.04,"end":1309.54,"confidence":0.99365234,"punctuated_word":"house.","sentiment":"neutral","sentiment_score":-0.14940229058265686},{"word":"yes","start":1333.76,"end":1334.26,"confidence":0.8125,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.21430447697639465},{"word":"yes","start":1334.64,"end":1335.14,"confidence":0.6911621,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.19768747687339783},{"word":"yeah","start":1342.245,"end":1342.745,"confidence":0.9279785,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0883532240986824},{"word":"do","start":1354.47,"end":1354.87,"confidence":0.75439453,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.2859746515750885},{"word":"do","start":1354.87,"end":1355.11,"confidence":0.9951172,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2703341543674469},{"word":"i","start":1355.11,"end":1355.2699,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.31816381216049194},{"word":"have","start":1355.2699,"end":1355.4299,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2996334433555603},{"word":"to","start":1355.4299,"end":1355.59,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22941942512989044},{"word":"pay","start":1355.59,"end":1355.75,"confidence":0.98828125,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.12335318326950072},{"word":"do","start":1355.9099,"end":1356.07,"confidence":0.9980469,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10555265843868256},{"word":"i","start":1356.07,"end":1356.23,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1334010660648346},{"word":"does","start":1357.35,"end":1357.75,"confidence":0.94970703,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.015116501599550247},{"word":"cap","start":1357.75,"end":1358.1499,"confidence":0.94189453,"punctuated_word":"cap","sentiment":"neutral","sentiment_score":0.057139232754707336},{"word":"does","start":1358.3099,"end":1358.8099,"confidence":0.9760742,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.04982104152441025},{"word":"what","start":1359.6699,"end":1359.83,"confidence":0.76953125,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.0560220405459404},{"word":"did","start":1359.83,"end":1359.99,"confidence":0.9902344,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.04495404660701752},{"word":"you","start":1359.99,"end":1360.1499,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.027917638421058655},{"word":"just","start":1360.1499,"end":1360.3099,"confidence":0.9116211,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.034511540085077286},{"word":"say","start":1360.3099,"end":1360.5499,"confidence":0.99316406,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.016570089384913445},{"word":"to","start":1360.5499,"end":1360.71,"confidence":0.9770508,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.019592121243476868},{"word":"peter","start":1360.71,"end":1361.19,"confidence":0.93969727,"punctuated_word":"Peter?","sentiment":"neutral","sentiment_score":0.026796119287610057},{"word":"capital","start":1361.19,"end":1361.59,"confidence":0.9970703,"punctuated_word":"Capital","sentiment":"neutral","sentiment_score":-0.006927158683538437},{"word":"gains","start":1361.59,"end":1361.9099,"confidence":0.9550781,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":0.01857021078467369},{"word":"come","start":1361.9099,"end":1362.07,"confidence":0.8857422,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.02182197198271751},{"word":"into","start":1362.07,"end":1362.3099,"confidence":0.9526367,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.023787207901477817},{"word":"it","start":1362.3099,"end":1362.47,"confidence":0.97265625,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.02721726894378662},{"word":"when","start":1362.47,"end":1362.63,"confidence":0.9902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.008282333612442017},{"word":"you're","start":1362.63,"end":1362.7899,"confidence":0.99316406,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.04455263167619705},{"word":"just","start":1362.7899,"end":1362.95,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0702781081199646},{"word":"getting","start":1362.95,"end":1363.2699,"confidence":1.0,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.04621926695108414},{"word":"it","start":1363.2699,"end":1363.35,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05100211501121521},{"word":"out","start":1363.35,"end":1363.85,"confidence":0.9819336,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.0485728494822979},{"word":"for","start":1364.035,"end":1364.355,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05003683269023895},{"word":"retirement","start":1364.355,"end":1364.855,"confidence":0.99902344,"punctuated_word":"retirement","sentiment":"neutral","sentiment_score":0.07689008861780167},{"word":"purposes","start":1364.915,"end":1365.415,"confidence":0.8256836,"punctuated_word":"purposes?","sentiment":"neutral","sentiment_score":0.048529498279094696},{"word":"like","start":1365.475,"end":1365.795,"confidence":0.98461914,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.019098874181509014},{"word":"do","start":1365.795,"end":1365.955,"confidence":0.9970703,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0020114704966545105},{"word":"you","start":1365.955,"end":1366.115,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01589004322886467},{"word":"still","start":1366.115,"end":1366.435,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.02605358324944973},{"word":"pay","start":1366.435,"end":1366.595,"confidence":0.6538086,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.036753877997398376},{"word":"cap","start":1366.595,"end":1367.075,"confidence":0.91015625,"punctuated_word":"cap","sentiment":"neutral","sentiment_score":0.029749128967523575},{"word":"it","start":1367.475,"end":1367.715,"confidence":0.94140625,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08762636035680771},{"word":"does","start":1367.715,"end":1368.115,"confidence":0.9921875,"punctuated_word":"does.","sentiment":"neutral","sentiment_score":0.06606761366128922},{"word":"yeah","start":1368.115,"end":1368.355,"confidence":0.9880371,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0913255736231804},{"word":"right","start":1368.355,"end":1368.855,"confidence":0.99072266,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.11006879806518556},{"word":"oh","start":1371.155,"end":1371.395,"confidence":0.9807129,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.10442127287387848},{"word":"okay","start":1371.395,"end":1371.875,"confidence":0.9980469,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.1312921792268753},{"word":"yep","start":1371.875,"end":1372.115,"confidence":0.9921875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14365582168102264},{"word":"yep","start":1372.115,"end":1372.615,"confidence":0.92871094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1784161925315857},{"word":"yep","start":1372.915,"end":1373.415,"confidence":0.798584,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1016644835472107},{"word":"yep","start":1378.355,"end":1378.74,"confidence":0.88964844,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14759401977062225},{"word":"yeah","start":1383.38,"end":1383.88,"confidence":0.8876953,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09175996482372284},{"word":"okay","start":1389.3,"end":1389.46,"confidence":0.9724121,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.07720775902271271},{"word":"well","start":1389.46,"end":1389.7,"confidence":0.98217773,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.13268578052520752},{"word":"i'm","start":1389.7,"end":1389.86,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.23998770117759705},{"word":"not","start":1389.86,"end":1390.02,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2743310332298279},{"word":"gonna","start":1390.02,"end":1390.26,"confidence":0.99316406,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.23562611639499664},{"word":"have","start":1390.26,"end":1390.5,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.2632201313972473},{"word":"any","start":1390.5,"end":1390.66,"confidence":0.9951172,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.2616482377052307},{"word":"i'm","start":1390.82,"end":1390.98,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.27698129415512085},{"word":"not","start":1390.98,"end":1391.14,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.3105340898036957},{"word":"gonna","start":1391.14,"end":1391.38,"confidence":0.99609375,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.2812110185623169},{"word":"have","start":1391.38,"end":1391.54,"confidence":0.99902344,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.3716866970062256},{"word":"much","start":1391.54,"end":1391.86,"confidence":0.9980469,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.32602524757385254},{"word":"growth","start":1391.86,"end":1392.1,"confidence":0.9970703,"punctuated_word":"growth","sentiment":"negative","sentiment_score":-0.3578997850418091},{"word":"because","start":1392.1,"end":1392.42,"confidence":0.82714844,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.2655600905418396},{"word":"i'm","start":1392.42,"end":1392.58,"confidence":1.0,"punctuated_word":"I'm","sentiment":"negative","sentiment_score":-0.37966984510421753},{"word":"not","start":1392.58,"end":1392.74,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.4041923582553863},{"word":"contributing","start":1392.74,"end":1393.24,"confidence":0.9680176,"punctuated_word":"contributing.","sentiment":"negative","sentiment_score":-0.36977872252464294},{"word":"you","start":1393.54,"end":1393.7,"confidence":0.9921875,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.312380850315094},{"word":"know","start":1393.7,"end":1393.86,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.3245485723018646},{"word":"what","start":1393.86,"end":1394.1,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.2947166860103607},{"word":"i","start":1394.1,"end":1394.1799,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2830309271812439},{"word":"mean","start":1394.1799,"end":1394.5,"confidence":0.9980469,"punctuated_word":"mean?","sentiment":"neutral","sentiment_score":-0.26156067848205566},{"word":"and","start":1394.5,"end":1394.715,"confidence":0.8635254,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":-0.2529038190841675},{"word":"like","start":1395.115,"end":1395.615,"confidence":0.97631836,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.27302855253219604},{"word":"i","start":1396.235,"end":1396.5549,"confidence":0.9873047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.31696444749832153},{"word":"i","start":1396.5549,"end":1396.715,"confidence":0.90283203,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.33818870782852173},{"word":"don't","start":1396.715,"end":1396.955,"confidence":0.9980469,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.21613097190856936},{"word":"know","start":1396.955,"end":1397.275,"confidence":0.9904785,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.3127160668373108},{"word":"i'm","start":1397.275,"end":1397.4349,"confidence":0.8171387,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.320814311504364},{"word":"i","start":1397.595,"end":1397.755,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.3902352452278137},{"word":"would","start":1397.755,"end":1397.9149,"confidence":1.0,"punctuated_word":"would","sentiment":"negative","sentiment_score":-0.36599549651145935},{"word":"have","start":1397.9149,"end":1398.075,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.32891085743904114},{"word":"to","start":1398.075,"end":1398.235,"confidence":0.71484375,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3867867588996887},{"word":"it","start":1398.395,"end":1398.5549,"confidence":0.9892578,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.3885444700717926},{"word":"would","start":1398.5549,"end":1398.715,"confidence":0.8125,"punctuated_word":"would","sentiment":"negative","sentiment_score":-0.4725323021411896},{"word":"take","start":1398.715,"end":1398.955,"confidence":0.99902344,"punctuated_word":"take","sentiment":"negative","sentiment_score":-0.358812540769577},{"word":"me","start":1398.955,"end":1399.115,"confidence":1.0,"punctuated_word":"me","sentiment":"negative","sentiment_score":-0.5209168195724487},{"word":"a","start":1399.115,"end":1399.195,"confidence":1.0,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.43474721908569336},{"word":"lot","start":1399.195,"end":1399.355,"confidence":1.0,"punctuated_word":"lot","sentiment":"negative","sentiment_score":-0.4643493592739105},{"word":"more","start":1399.355,"end":1399.595,"confidence":1.0,"punctuated_word":"more","sentiment":"negative","sentiment_score":-0.40057623386383057},{"word":"than","start":1399.595,"end":1399.755,"confidence":0.99902344,"punctuated_word":"than","sentiment":"negative","sentiment_score":-0.4237940311431885},{"word":"what","start":1399.755,"end":1399.995,"confidence":0.99902344,"punctuated_word":"what","sentiment":"negative","sentiment_score":-0.420837938785553},{"word":"it","start":1399.995,"end":1400.235,"confidence":0.99902344,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.3727286159992218},{"word":"would","start":1400.235,"end":1400.395,"confidence":0.99902344,"punctuated_word":"would","sentiment":"negative","sentiment_score":-0.46918755769729614},{"word":"take","start":1400.395,"end":1400.635,"confidence":1.0,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.3262593746185303},{"word":"you","start":1400.635,"end":1400.875,"confidence":0.99609375,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.3903886675834656},{"word":"to","start":1400.875,"end":1401.0349,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.424356997013092},{"word":"figure","start":1401.0349,"end":1401.355,"confidence":1.0,"punctuated_word":"figure","sentiment":"negative","sentiment_score":-0.36682751774787903},{"word":"out","start":1401.355,"end":1401.595,"confidence":0.99902344,"punctuated_word":"out","sentiment":"negative","sentiment_score":-0.34460940957069397},{"word":"what","start":1401.595,"end":1401.835,"confidence":0.99902344,"punctuated_word":"what","sentiment":"negative","sentiment_score":-0.33628684282302856},{"word":"what","start":1401.835,"end":1402.075,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.31801024079322815},{"word":"was","start":1402.075,"end":1402.315,"confidence":0.9951172,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.3052210807800293},{"word":"worthwhile","start":1402.315,"end":1402.715,"confidence":0.9667969,"punctuated_word":"worthwhile","sentiment":"neutral","sentiment_score":-0.22766661643981936},{"word":"and","start":1402.715,"end":1402.875,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.32042133808135986},{"word":"what","start":1402.875,"end":1403.115,"confidence":0.99902344,"punctuated_word":"what","sentiment":"negative","sentiment_score":-0.3440060615539551},{"word":"wasn't","start":1403.115,"end":1403.515,"confidence":0.86116534,"punctuated_word":"wasn't.","sentiment":"neutral","sentiment_score":-0.300226092338562},{"word":"you","start":1403.515,"end":1403.6749,"confidence":0.9970703,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.1567520946264267},{"word":"know","start":1403.6749,"end":1403.9149,"confidence":0.8129883,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":-0.1399175524711609},{"word":"like","start":1403.9149,"end":1404.1549,"confidence":0.96533203,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.1229892522096634},{"word":"with","start":1404.1549,"end":1404.315,"confidence":0.97998047,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.14185671508312225},{"word":"the","start":1404.315,"end":1404.475,"confidence":0.93115234,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11816463619470596},{"word":"small","start":1404.475,"end":1404.7949,"confidence":0.9951172,"punctuated_word":"small","sentiment":"neutral","sentiment_score":-0.08954884111881256},{"word":"amount","start":1404.7949,"end":1405.0349,"confidence":0.984375,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.0754384770989418},{"word":"that","start":1405.0349,"end":1405.195,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08142690360546112},{"word":"i've","start":1405.195,"end":1405.355,"confidence":0.9970703,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.08663634955883026},{"word":"got","start":1405.355,"end":1405.515,"confidence":0.95947266,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.11311403661966324},{"word":"in","start":1405.515,"end":1405.755,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1009380891919136},{"word":"super","start":1405.755,"end":1406.255,"confidence":0.6170654,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":-0.07401324808597565},{"word":"and","start":1406.715,"end":1406.875,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06899954378604889},{"word":"you","start":1406.875,"end":1407.0349,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07163172960281372},{"word":"were","start":1407.0349,"end":1407.195,"confidence":0.9980469,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.1112368106842041},{"word":"saying","start":1407.195,"end":1407.4349,"confidence":1.0,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":-0.07071786373853683},{"word":"to","start":1407.4349,"end":1407.515,"confidence":0.95166016,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08597934246063232},{"word":"peter","start":1407.515,"end":1407.835,"confidence":0.98095703,"punctuated_word":"Peter","sentiment":"neutral","sentiment_score":-0.02797578275203705},{"word":"that","start":1407.835,"end":1408.075,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04766061156988144},{"word":"it","start":1408.075,"end":1408.235,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.08436673879623413},{"word":"could","start":1408.235,"end":1408.395,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.08028948307037354},{"word":"be","start":1408.395,"end":1408.635,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.08744221925735474},{"word":"17%","start":1408.635,"end":1409.595,"confidence":0.982666,"punctuated_word":"17%","sentiment":"neutral","sentiment_score":-0.020551975816488263},{"word":"at","start":1409.595,"end":1409.835,"confidence":0.98828125,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.08333998173475266},{"word":"its","start":1409.835,"end":1410.075,"confidence":0.95947266,"punctuated_word":"its","sentiment":"neutral","sentiment_score":-0.07868704944849014},{"word":"best","start":1410.075,"end":1410.48,"confidence":0.80444336,"punctuated_word":"best,","sentiment":"neutral","sentiment_score":-0.05756846442818642},{"word":"is","start":1410.96,"end":1411.2,"confidence":0.99902344,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.047917503863573074},{"word":"that","start":1411.2,"end":1411.36,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05438201129436493},{"word":"is","start":1411.36,"end":1411.6799,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.056886982172727585},{"word":"that","start":1411.6799,"end":1412.0,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04968296363949776},{"word":"what","start":1412.0,"end":1412.32,"confidence":0.99121094,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.06971881538629532},{"word":"you","start":1412.32,"end":1412.48,"confidence":0.984375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06932472437620163},{"word":"could","start":1412.48,"end":1412.72,"confidence":0.9980469,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.05409156158566475},{"word":"i","start":1412.7999,"end":1412.96,"confidence":0.9892578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04407111182808876},{"word":"could","start":1412.96,"end":1413.2,"confidence":0.99902344,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.03212026506662369},{"word":"possibly","start":1413.2,"end":1413.6799,"confidence":0.9980469,"punctuated_word":"possibly","sentiment":"neutral","sentiment_score":-0.04545656591653824},{"word":"increase","start":1413.6799,"end":1414.08,"confidence":0.9970703,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.011065259575843813},{"word":"my","start":1414.08,"end":1414.4,"confidence":0.9291992,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.041977159678936005},{"word":"super","start":1414.4,"end":1414.7999,"confidence":0.5839844,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.022156670689582825},{"word":"buy","start":1414.7999,"end":1415.2999,"confidence":0.6845703,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.04533930867910385},{"word":"without","start":1415.9199,"end":1416.4199,"confidence":0.984375,"punctuated_word":"without","sentiment":"neutral","sentiment_score":-0.0403171069920063},{"word":"con","start":1416.48,"end":1416.72,"confidence":0.8569336,"punctuated_word":"con","sentiment":"neutral","sentiment_score":-0.039808303117752075},{"word":"contributions","start":1416.96,"end":1417.46,"confidence":0.8701172,"punctuated_word":"contributions?","sentiment":"neutral","sentiment_score":-0.046559251844882965},{"word":"oh","start":1418.16,"end":1418.4,"confidence":0.9187012,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.044112756848335266},{"word":"his","start":1418.4,"end":1418.72,"confidence":0.73046875,"punctuated_word":"his","sentiment":"neutral","sentiment_score":-0.05954886972904205},{"word":"mine","start":1419.04,"end":1419.28,"confidence":0.9526367,"punctuated_word":"mine","sentiment":"neutral","sentiment_score":-0.08506228774785995},{"word":"would","start":1419.28,"end":1419.44,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.08336731791496277},{"word":"be","start":1419.44,"end":1419.6,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.07545806467533112},{"word":"different","start":1419.6,"end":1420.08,"confidence":0.9921875,"punctuated_word":"different.","sentiment":"neutral","sentiment_score":-0.06318356096744537},{"word":"yeah","start":1420.08,"end":1420.58,"confidence":0.9909668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.011221306398510931},{"word":"yeah","start":1426.775,"end":1427.275,"confidence":0.7459717,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07681411504745483},{"word":"yep","start":1427.335,"end":1427.835,"confidence":0.8588867,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.012042181566357613},{"word":"but","start":1440.8301,"end":1441.15,"confidence":0.48339844,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.006365004926919937},{"word":"what","start":1441.15,"end":1441.31,"confidence":0.93603516,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.01244129240512848},{"word":"but","start":1441.31,"end":1441.55,"confidence":0.9091797,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.00983111932873726},{"word":"what","start":1441.55,"end":1441.87,"confidence":0.984375,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.04925059527158737},{"word":"but","start":1441.87,"end":1442.03,"confidence":0.82470703,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.06251205503940582},{"word":"what","start":1442.03,"end":1442.1901,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.08488544821739197},{"word":"does","start":1442.1901,"end":1442.3501,"confidence":0.9667969,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.05684532970190048},{"word":"that","start":1442.3501,"end":1442.67,"confidence":0.9863281,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.040794238448143005},{"word":"get","start":1442.67,"end":1442.91,"confidence":0.98535156,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.05041816830635071},{"word":"what","start":1442.91,"end":1443.0701,"confidence":0.91845703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.0442541167140007},{"word":"does","start":1443.0701,"end":1443.31,"confidence":0.99902344,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.04942779615521431},{"word":"that","start":1443.31,"end":1443.4701,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.001276351511478424},{"word":"get","start":1443.4701,"end":1443.7101,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.027278654277324677},{"word":"us","start":1443.7101,"end":1443.9501,"confidence":0.9970703,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.0201154462993145},{"word":"really","start":1443.9501,"end":1444.3501,"confidence":0.70874023,"punctuated_word":"really?","sentiment":"neutral","sentiment_score":-0.04984625428915024},{"word":"like","start":1444.3501,"end":1444.51,"confidence":0.97387695,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.07039474695920944},{"word":"wouldn't","start":1444.51,"end":1444.75,"confidence":0.9980469,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.08218809962272644},{"word":"it","start":1444.75,"end":1444.8301,"confidence":0.97802734,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.09815342724323271},{"word":"be","start":1444.8301,"end":1444.99,"confidence":0.99121094,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.09194259345531464},{"word":"better","start":1444.99,"end":1445.31,"confidence":0.98291016,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.07330946624279022},{"word":"off","start":1445.31,"end":1445.39,"confidence":0.7236328,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.03738173469901085},{"word":"just","start":1445.39,"end":1445.55,"confidence":0.7348633,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.05586681887507439},{"word":"staying","start":1445.55,"end":1445.9501,"confidence":0.9370117,"punctuated_word":"staying","sentiment":"neutral","sentiment_score":-0.0663328617811203},{"word":"in","start":1445.9501,"end":1446.3501,"confidence":0.97265625,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0499190017580986},{"word":"in","start":1446.3501,"end":1446.51,"confidence":0.98291016,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.033839091658592224},{"word":"his","start":1446.51,"end":1446.8301,"confidence":0.9902344,"punctuated_word":"his","sentiment":"neutral","sentiment_score":-0.07232881337404251},{"word":"super","start":1446.8301,"end":1447.15,"confidence":0.95166016,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.024028100073337555},{"word":"and","start":1447.15,"end":1447.4701,"confidence":0.9873047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0318647064268589},{"word":"being","start":1447.4701,"end":1447.7101,"confidence":0.9980469,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.03178747743368149},{"word":"a","start":1447.7101,"end":1447.79,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.013112947344779968},{"word":"larger","start":1447.79,"end":1448.27,"confidence":0.9350586,"punctuated_word":"larger","sentiment":"neutral","sentiment_score":-0.03223563730716705},{"word":"super","start":1448.27,"end":1448.67,"confidence":0.9980469,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.03474969416856766},{"word":"that","start":1448.67,"end":1448.8301,"confidence":0.69921875,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.030929595232009888},{"word":"we","start":1448.8301,"end":1448.99,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.08236738294363022},{"word":"can't","start":1448.99,"end":1449.4701,"confidence":0.99853516,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.06693800538778305},{"word":"get","start":1449.4701,"end":1449.7101,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.11457809060811996},{"word":"our","start":1449.7101,"end":1449.87,"confidence":0.9111328,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.137719988822937},{"word":"greedy","start":1449.87,"end":1450.27,"confidence":0.7446289,"punctuated_word":"greedy","sentiment":"neutral","sentiment_score":-0.12534481287002563},{"word":"little","start":1450.27,"end":1450.43,"confidence":0.98095703,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.10079318284988403},{"word":"hands","start":1450.43,"end":1450.75,"confidence":0.99902344,"punctuated_word":"hands","sentiment":"neutral","sentiment_score":-0.06543250381946564},{"word":"on","start":1450.75,"end":1451.25,"confidence":0.9663086,"punctuated_word":"on?","sentiment":"neutral","sentiment_score":-0.01965473964810371},{"word":"yeah","start":1454.775,"end":1455.015,"confidence":0.89404297,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.051783859729766846},{"word":"i","start":1455.015,"end":1455.255,"confidence":0.98828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.00803430750966072},{"word":"reckon","start":1455.255,"end":1455.755,"confidence":0.97314453,"punctuated_word":"reckon.","sentiment":"neutral","sentiment_score":0.009153207764029505},{"word":"i","start":1457.015,"end":1457.1749,"confidence":0.7104492,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.076384998857975},{"word":"i","start":1457.1749,"end":1457.335,"confidence":0.6767578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10559948533773422},{"word":"don't","start":1457.335,"end":1457.575,"confidence":0.99560547,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.08757176250219345},{"word":"really","start":1457.575,"end":1457.815,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.0938602089881897},{"word":"need","start":1457.815,"end":1458.0549,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.12220190465450288},{"word":"to","start":1458.0549,"end":1458.215,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11218822747468948},{"word":"see","start":1458.215,"end":1458.615,"confidence":0.9921875,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.12147974967956544},{"word":"mine","start":1458.615,"end":1458.9349,"confidence":0.96972656,"punctuated_word":"mine","sentiment":"neutral","sentiment_score":-0.12003104388713837},{"word":"growing","start":1458.9349,"end":1459.335,"confidence":0.99121094,"punctuated_word":"growing","sentiment":"neutral","sentiment_score":-0.14131198823451996},{"word":"and","start":1459.335,"end":1459.495,"confidence":0.9550781,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1460748016834259},{"word":"his","start":1459.495,"end":1459.815,"confidence":0.8310547,"punctuated_word":"his","sentiment":"neutral","sentiment_score":-0.21469660103321075},{"word":"being","start":1459.815,"end":1460.135,"confidence":0.98291016,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.1926203966140747},{"word":"less","start":1460.135,"end":1460.455,"confidence":0.95703125,"punctuated_word":"less.","sentiment":"neutral","sentiment_score":-0.1725892275571823},{"word":"you","start":1460.455,"end":1460.615,"confidence":0.7871094,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.09668444842100143},{"word":"know","start":1460.615,"end":1460.775,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.1209523156285286},{"word":"what","start":1460.775,"end":1460.9349,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.09508094191551208},{"word":"i","start":1460.9349,"end":1461.015,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08584970980882645},{"word":"mean","start":1461.015,"end":1461.335,"confidence":0.9995117,"punctuated_word":"mean?","sentiment":"neutral","sentiment_score":-0.06602980196475983},{"word":"it's","start":1461.335,"end":1461.655,"confidence":0.9472656,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.06816346943378448},{"word":"i","start":1461.815,"end":1461.975,"confidence":0.984375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0822439044713974},{"word":"just","start":1461.975,"end":1462.215,"confidence":0.8432617,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.05638478696346283},{"word":"know","start":1462.215,"end":1462.455,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.05398929864168167},{"word":"that","start":1462.455,"end":1462.615,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05421607568860054},{"word":"i","start":1462.615,"end":1462.695,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07884477823972702},{"word":"can","start":1462.695,"end":1462.9349,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.04522726312279701},{"word":"get","start":1462.9349,"end":1463.1749,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.06088133528828621},{"word":"at","start":1463.1749,"end":1463.335,"confidence":0.9760742,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0626678317785263},{"word":"mine","start":1463.335,"end":1463.735,"confidence":0.9645996,"punctuated_word":"mine.","sentiment":"neutral","sentiment_score":-0.026690522208809853},{"word":"i'm","start":1463.735,"end":1463.975,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.02466762810945511},{"word":"able","start":1463.975,"end":1464.215,"confidence":0.9980469,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.04560099169611931},{"word":"to","start":1464.215,"end":1464.375,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.007140412926673889},{"word":"get","start":1464.375,"end":1464.615,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.03935675695538521},{"word":"at","start":1464.615,"end":1464.695,"confidence":0.98535156,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.04924212023615837},{"word":"mine","start":1464.695,"end":1465.015,"confidence":0.81396484,"punctuated_word":"mine,","sentiment":"neutral","sentiment_score":-0.028032884001731873},{"word":"and","start":1465.015,"end":1465.5,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08303763717412949},{"word":"would","start":1465.58,"end":1465.74,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.11457885056734084},{"word":"it","start":1465.74,"end":1465.9,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.12080491334199904},{"word":"be","start":1465.9,"end":1465.98,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.14956727623939514},{"word":"better","start":1465.98,"end":1466.38,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.1525774896144867},{"word":"sitting","start":1466.38,"end":1466.62,"confidence":0.9667969,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.12992027401924133},{"word":"on","start":1466.62,"end":1466.86,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.09347683936357498},{"word":"our","start":1467.34,"end":1467.42,"confidence":0.96533203,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.10865720361471176},{"word":"our","start":1467.42,"end":1467.58,"confidence":0.7519531,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.07570601999759674},{"word":"house","start":1467.58,"end":1467.9,"confidence":0.99316406,"punctuated_word":"house","sentiment":"neutral","sentiment_score":-0.04856035113334656},{"word":"loan","start":1467.9,"end":1468.4,"confidence":0.91503906,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.011237792670726776},{"word":"our","start":1469.02,"end":1469.26,"confidence":0.97265625,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.04232101142406464},{"word":"house","start":1469.26,"end":1469.66,"confidence":0.99902344,"punctuated_word":"house","sentiment":"neutral","sentiment_score":-0.05550284683704376},{"word":"loan","start":1469.66,"end":1470.16,"confidence":0.99609375,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.014802500605583193},{"word":"is","start":1470.22,"end":1470.72,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.02849714457988739},{"word":"almost","start":1472.86,"end":1473.36,"confidence":0.67626953,"punctuated_word":"almost","sentiment":"neutral","sentiment_score":0.0022086724638938904},{"word":"to","start":1473.58,"end":1473.74,"confidence":0.5058594,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.002261415123939514},{"word":"300,000","start":1473.74,"end":1474.78,"confidence":0.9958496,"punctuated_word":"300,000,","sentiment":"neutral","sentiment_score":0.01745513454079628},{"word":"but","start":1474.78,"end":1474.94,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.031740158796310425},{"word":"that's","start":1474.94,"end":1475.18,"confidence":0.9995117,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.08157449215650558},{"word":"with","start":1475.18,"end":1475.42,"confidence":0.94140625,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.11618399620056152},{"word":"money","start":1475.42,"end":1475.82,"confidence":0.9980469,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.07020164281129837},{"word":"sitting","start":1475.82,"end":1476.14,"confidence":0.99902344,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.08626285940408707},{"word":"on","start":1476.14,"end":1476.22,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.09802483767271042},{"word":"it","start":1476.22,"end":1476.46,"confidence":0.9995117,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.0773744061589241},{"word":"i","start":1476.46,"end":1476.7,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.020230647176504135},{"word":"i","start":1476.7,"end":1476.86,"confidence":0.9838867,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.018811874091625217},{"word":"already","start":1476.86,"end":1477.26,"confidence":1.0,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.037501491606235504},{"word":"have","start":1477.26,"end":1477.5,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.013731323182582855},{"word":"80,000","start":1477.5,"end":1478.3,"confidence":0.9980469,"punctuated_word":"80,000","sentiment":"neutral","sentiment_score":0.03091815300285816},{"word":"sitting","start":1478.3,"end":1478.62,"confidence":0.99609375,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.09122779220342636},{"word":"on","start":1478.62,"end":1478.78,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06778581440448761},{"word":"it","start":1478.78,"end":1478.985,"confidence":0.80908203,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.0404881164431572},{"word":"so","start":1480.505,"end":1480.665,"confidence":0.9453125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13048124313354492},{"word":"i","start":1480.665,"end":1480.825,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14303869009017944},{"word":"would","start":1480.825,"end":1481.065,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.21782970428466797},{"word":"be","start":1481.065,"end":1481.3049,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.23011204600334167},{"word":"essentially","start":1481.3049,"end":1481.705,"confidence":0.8852539,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.19310888648033145},{"word":"putting","start":1481.705,"end":1482.105,"confidence":0.99902344,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.19846579432487488},{"word":"another","start":1482.105,"end":1482.4249,"confidence":0.9980469,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.15822961926460266},{"word":"110","start":1482.4249,"end":1483.065,"confidence":0.9899089,"punctuated_word":"110","sentiment":"neutral","sentiment_score":0.23361581563949585},{"word":"on","start":1483.065,"end":1483.225,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.20270515978336337},{"word":"it","start":1483.225,"end":1483.385,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13148432970046997},{"word":"if","start":1483.385,"end":1483.545,"confidence":0.9873047,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2005141973495483},{"word":"i","start":1483.545,"end":1483.625,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11501432955265044},{"word":"was","start":1483.625,"end":1483.865,"confidence":0.9819336,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.1547016203403473},{"word":"to","start":1483.865,"end":1483.945,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1622490435838699},{"word":"get","start":1483.945,"end":1484.105,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.15599484741687775},{"word":"it","start":1484.105,"end":1484.265,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13274210691452026},{"word":"all","start":1484.265,"end":1484.4249,"confidence":0.97509766,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.0889376699924469},{"word":"out","start":1484.4249,"end":1484.585,"confidence":0.9980469,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1938543915748596},{"word":"of","start":1484.585,"end":1484.745,"confidence":0.9760742,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13382971286773682},{"word":"super","start":1484.745,"end":1485.245,"confidence":0.83081055,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.19890323281288147},{"word":"so","start":1485.545,"end":1485.945,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.20873722434043884},{"word":"it","start":1485.945,"end":1486.105,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2836257219314575},{"word":"would","start":1486.105,"end":1486.585,"confidence":0.9279785,"punctuated_word":"would,","sentiment":"neutral","sentiment_score":0.27756062150001526},{"word":"you","start":1486.585,"end":1486.825,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24731241166591644},{"word":"know","start":1486.825,"end":1487.065,"confidence":0.9970703,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.2303721308708191},{"word":"would","start":1487.065,"end":1487.3049,"confidence":0.703125,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.23699495196342468},{"word":"take","start":1487.3049,"end":1487.625,"confidence":0.99902344,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.2594822645187378},{"word":"take","start":1487.625,"end":1487.785,"confidence":0.9951172,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.27120885252952576},{"word":"it","start":1487.785,"end":1487.945,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2527320086956024},{"word":"down","start":1487.945,"end":1488.1849,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.23401986062526703},{"word":"to","start":1488.1849,"end":1488.345,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23592090606689453},{"word":"about","start":1488.345,"end":1488.665,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.2000365853309631},{"word":"200,000","start":1488.665,"end":1489.625,"confidence":0.94628906,"punctuated_word":"200,000.","sentiment":"neutral","sentiment_score":0.23609715700149536},{"word":"and","start":1489.625,"end":1489.865,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.12799149751663208},{"word":"i","start":1489.865,"end":1490.025,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08346398174762726},{"word":"was","start":1490.025,"end":1490.1849,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.09141699969768524},{"word":"just","start":1490.1849,"end":1490.4249,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11413638293743134},{"word":"wondering","start":1490.4249,"end":1490.905,"confidence":1.0,"punctuated_word":"wondering","sentiment":"neutral","sentiment_score":0.041823145002126694},{"word":"how","start":1490.905,"end":1491.405,"confidence":0.9873047,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.061920687556266785},{"word":"how","start":1491.545,"end":1491.785,"confidence":0.99609375,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.08099037408828735},{"word":"much","start":1491.785,"end":1492.025,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.14417444169521332},{"word":"of","start":1492.025,"end":1492.1849,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13276447355747223},{"word":"a","start":1492.1849,"end":1492.345,"confidence":0.9350586,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12719127535820007},{"word":"savings","start":1492.345,"end":1492.825,"confidence":0.9951172,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.10959646105766296},{"word":"i","start":1492.825,"end":1492.905,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07896053791046143},{"word":"would","start":1492.905,"end":1493.145,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.14107704162597656},{"word":"make","start":1493.145,"end":1493.385,"confidence":1.0,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.17104671895503998},{"word":"on","start":1493.385,"end":1493.625,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.18108606338500977},{"word":"interest","start":1493.625,"end":1494.125,"confidence":0.88671875,"punctuated_word":"interest,","sentiment":"neutral","sentiment_score":0.09440478682518004},{"word":"paying","start":1494.45,"end":1494.69,"confidence":0.99902344,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.05892079323530197},{"word":"interest","start":1494.69,"end":1495.19,"confidence":0.7734375,"punctuated_word":"interest.","sentiment":"neutral","sentiment_score":0.05413321405649185},{"word":"you","start":1495.33,"end":1495.49,"confidence":0.9301758,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.01500353217124939},{"word":"know","start":1495.49,"end":1495.99,"confidence":0.9914551,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":0.026407478377223015},{"word":"i","start":1496.13,"end":1496.21,"confidence":0.7270508,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0217149555683136},{"word":"don't","start":1496.21,"end":1496.45,"confidence":0.9970703,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.02244248054921627},{"word":"know","start":1496.45,"end":1496.85,"confidence":0.99853516,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.023710569366812703},{"word":"i","start":1496.85,"end":1497.01,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.015149053186178207},{"word":"just","start":1497.01,"end":1497.25,"confidence":0.9819336,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0031731724739074707},{"word":"yep","start":1508.45,"end":1508.95,"confidence":0.8930664,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.22227226197719577},{"word":"yep","start":1520.8351,"end":1521.3351,"confidence":0.9863281,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.22363004088401792},{"word":"yes","start":1526.61,"end":1527.11,"confidence":0.7722168,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.3371521830558777},{"word":"yep","start":1546.025,"end":1546.525,"confidence":0.88793945,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0514502078294754},{"word":"okay","start":1547.7849,"end":1548.1849,"confidence":0.8535156,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.05015324801206589},{"word":"i'm","start":1548.1849,"end":1548.345,"confidence":0.98876953,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.05870144069194794},{"word":"on","start":1548.345,"end":1548.585,"confidence":0.71875,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07338514178991318},{"word":"the","start":1548.585,"end":1548.6649,"confidence":0.5444336,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08695035427808762},{"word":"yep","start":1548.9049,"end":1549.4049,"confidence":0.9142253,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.07055939733982086},{"word":"mhmm","start":1555.64,"end":1556.14,"confidence":0.9400635,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.03183593600988388},{"word":"yep","start":1567.5599,"end":1568.0599,"confidence":0.78808594,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.4375265836715698},{"word":"yep","start":1580.955,"end":1581.275,"confidence":0.96972656,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2857987880706787},{"word":"yep","start":1581.275,"end":1581.755,"confidence":0.87597656,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2555427551269531},{"word":"yep","start":1581.755,"end":1582.255,"confidence":0.7385254,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.28382807970046997},{"word":"yep","start":1586.08,"end":1586.58,"confidence":0.7570801,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.4173984229564667},{"word":"mhmm","start":1589.84,"end":1590.34,"confidence":0.9949951,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.18115544319152832},{"word":"mhmm","start":1607.125,"end":1607.2849,"confidence":0.9133301,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.16259771585464478},{"word":"yes","start":1607.2849,"end":1607.7849,"confidence":0.91015625,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.18704545497894287},{"word":"yes","start":1617.04,"end":1617.54,"confidence":0.9904785,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2268752157688141},{"word":"yep","start":1628.4249,"end":1628.825,"confidence":0.98950195,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.01862136647105217},{"word":"yep","start":1628.825,"end":1629.325,"confidence":0.99365234,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.017297005280852318},{"word":"mhmm","start":1642.42,"end":1642.92,"confidence":0.9449463,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.10799622535705566},{"word":"yep","start":1653.025,"end":1653.525,"confidence":0.6829834,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.19477085769176483},{"word":"yep","start":1660.2251,"end":1660.7251,"confidence":0.77612305,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.19813531637191772},{"word":"yes","start":1670.11,"end":1670.61,"confidence":0.9655762,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.18850727379322052},{"word":"mhmm","start":1672.4299,"end":1672.9299,"confidence":0.99243164,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.07914265990257263},{"word":"yes","start":1686.9249,"end":1687.4249,"confidence":0.73535156,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.15254303812980652},{"word":"yes","start":1693.43,"end":1693.75,"confidence":0.8901367,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.09549633413553238},{"word":"yes","start":1693.75,"end":1694.25,"confidence":0.7871094,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.11663738638162612},{"word":"yes","start":1695.91,"end":1696.41,"confidence":0.7824707,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.12441907078027724},{"word":"okay","start":1699.99,"end":1700.49,"confidence":0.9616699,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1404108703136444},{"word":"mhmm","start":1707.7251,"end":1708.2251,"confidence":0.89367676,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.07900727540254593},{"word":"we're","start":1722.21,"end":1722.45,"confidence":0.81396484,"punctuated_word":"We're","sentiment":"positive","sentiment_score":0.47069597244262695},{"word":"pretty","start":1722.45,"end":1722.7699,"confidence":0.9980469,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.46584784984588623},{"word":"confident","start":1722.7699,"end":1723.25,"confidence":1.0,"punctuated_word":"confident","sentiment":"positive","sentiment_score":0.48563849925994873},{"word":"in","start":1723.25,"end":1723.4099,"confidence":0.9921875,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5505552887916565},{"word":"you","start":1723.4099,"end":1723.6499,"confidence":0.9433594,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.71634441614151},{"word":"dana","start":1723.6499,"end":1724.0499,"confidence":0.9692383,"punctuated_word":"Dana.","sentiment":"positive","sentiment_score":0.7101835012435913},{"word":"we're","start":1724.0499,"end":1724.37,"confidence":0.66223145,"punctuated_word":"We're","sentiment":"positive","sentiment_score":0.7182633280754089},{"word":"we're","start":1724.37,"end":1724.61,"confidence":0.9663086,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.7324320673942566},{"word":"happy","start":1724.61,"end":1724.85,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.7743299603462219},{"word":"to","start":1724.85,"end":1724.9299,"confidence":0.9970703,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.7880135774612427},{"word":"go","start":1724.9299,"end":1725.25,"confidence":0.99316406,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.8327375650405884},{"word":"with","start":1725.25,"end":1725.49,"confidence":0.9135742,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.8258166313171387},{"word":"this","start":1725.49,"end":1725.97,"confidence":0.6791992,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.8266753554344177},{"word":"what","start":1726.0499,"end":1726.2899,"confidence":0.9941406,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.8177726864814758},{"word":"you","start":1726.2899,"end":1726.5299,"confidence":0.99902344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7662332653999329},{"word":"do","start":1726.5299,"end":1726.69,"confidence":0.9970703,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.7473620176315308},{"word":"for","start":1726.69,"end":1726.9299,"confidence":1.0,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.712658166885376},{"word":"us","start":1726.9299,"end":1727.09,"confidence":1.0,"punctuated_word":"us","sentiment":"positive","sentiment_score":0.6431702971458435},{"word":"now","start":1727.09,"end":1727.59,"confidence":0.99853516,"punctuated_word":"now.","sentiment":"positive","sentiment_score":0.5664361715316772},{"word":"you","start":1727.8099,"end":1728.0499,"confidence":0.9970703,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.25732293725013733},{"word":"you're","start":1728.13,"end":1728.37,"confidence":0.9995117,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2471868395805359},{"word":"watching","start":1728.37,"end":1728.85,"confidence":0.99902344,"punctuated_word":"watching","sentiment":"neutral","sentiment_score":0.22237548232078552},{"word":"you're","start":1728.85,"end":1729.0099,"confidence":0.9499512,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.16191577911376953},{"word":"watching","start":1729.0099,"end":1729.25,"confidence":1.0,"punctuated_word":"watching","sentiment":"neutral","sentiment_score":0.1456359624862671},{"word":"it","start":1729.25,"end":1729.4099,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1618776023387909},{"word":"all","start":1729.4099,"end":1729.6499,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.13090014457702637},{"word":"the","start":1729.6499,"end":1729.73,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13764330744743347},{"word":"time","start":1729.73,"end":1729.97,"confidence":0.9338379,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.1521772742271423},{"word":"like","start":1729.97,"end":1730.21,"confidence":0.85180664,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.11736755818128586},{"word":"as","start":1730.21,"end":1730.37,"confidence":0.99902344,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.16686946153640747},{"word":"you","start":1730.37,"end":1730.5299,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1320093870162964},{"word":"said","start":1730.5299,"end":1730.7699,"confidence":0.9655762,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.13291417062282562},{"word":"if","start":1730.7699,"end":1730.9299,"confidence":0.9980469,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1003633439540863},{"word":"anything","start":1730.9299,"end":1731.4299,"confidence":0.99902344,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.09986719489097597},{"word":"dramatic","start":1731.8099,"end":1732.3099,"confidence":0.7558594,"punctuated_word":"dramatic","sentiment":"neutral","sentiment_score":0.03844268247485161},{"word":"gonna","start":1732.37,"end":1732.69,"confidence":0.5800781,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.03959772735834122},{"word":"happen","start":1732.69,"end":1733.0099,"confidence":0.9812012,"punctuated_word":"happen,","sentiment":"neutral","sentiment_score":0.19206444919109344},{"word":"you'll","start":1733.0099,"end":1733.5099,"confidence":0.9880371,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.22575406730175016},{"word":"let","start":1733.615,"end":1733.775,"confidence":1.0,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.2586786448955536},{"word":"me","start":1733.775,"end":1733.935,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.19064730405807495},{"word":"know","start":1733.935,"end":1734.015,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.2215585708618164},{"word":"to","start":1734.015,"end":1734.255,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15481209754943848},{"word":"get","start":1734.255,"end":1734.415,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1371517777442932},{"word":"it","start":1734.415,"end":1734.5751,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08123662322759628},{"word":"out","start":1734.5751,"end":1734.895,"confidence":0.9675293,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.18304704129695892},{"word":"i'm","start":1734.895,"end":1735.135,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.40902528166770935},{"word":"happy","start":1735.135,"end":1735.375,"confidence":1.0,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.4170774221420288},{"word":"with","start":1735.375,"end":1735.535,"confidence":1.0,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4612864851951599},{"word":"that","start":1735.535,"end":1735.855,"confidence":0.99902344,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.41482454538345337},{"word":"yeah","start":1735.855,"end":1736.255,"confidence":0.9758301,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.23818561434745789},{"word":"so","start":1736.255,"end":1736.755,"confidence":0.9760742,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.28683340549468994},{"word":"it's","start":1736.895,"end":1737.055,"confidence":0.99194336,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.3826741576194763},{"word":"all","start":1737.055,"end":1737.295,"confidence":0.99902344,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.6320684552192688},{"word":"good","start":1737.295,"end":1737.795,"confidence":0.95825195,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5605674386024475},{"word":"yeah","start":1738.015,"end":1738.515,"confidence":0.9279785,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.4611191153526306},{"word":"yeah","start":1744.175,"end":1744.675,"confidence":0.9177246,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.045652199536561966},{"word":"yes","start":1747.74,"end":1748.24,"confidence":0.9741211,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2006382197141647},{"word":"yes","start":1760.78,"end":1761.28,"confidence":0.8251953,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2708122730255127},{"word":"yep","start":1764.915,"end":1765.415,"confidence":0.68896484,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1796589493751526},{"word":"alright","start":1765.795,"end":1766.275,"confidence":0.9951172,"punctuated_word":"Alright","sentiment":"neutral","sentiment_score":0.20535865426063535},{"word":"then","start":1766.275,"end":1766.775,"confidence":0.9790039,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":0.22410213947296145},{"word":"yep","start":1771.3151,"end":1771.7151,"confidence":0.9291992,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08936524391174316},{"word":"i","start":1771.7151,"end":1771.875,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08433002233505249},{"word":"got","start":1771.875,"end":1772.115,"confidence":0.9873047,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.060316652059555054},{"word":"it","start":1772.115,"end":1772.615,"confidence":0.99902344,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.08823902904987335},{"word":"oh","start":1797.0549,"end":1797.215,"confidence":0.8156738,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.04904390126466751},{"word":"okay","start":1797.215,"end":1797.615,"confidence":0.99658203,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.05902665480971336},{"word":"so","start":1797.615,"end":1797.9349,"confidence":0.99121094,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06601621955633163},{"word":"does","start":1797.9349,"end":1798.095,"confidence":0.7402344,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.058925844728946686},{"word":"that","start":1798.095,"end":1798.335,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09010753035545348},{"word":"mean","start":1798.335,"end":1798.835,"confidence":0.9370117,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.06313344836235046},{"word":"so","start":1799.0549,"end":1799.375,"confidence":0.99316406,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.0846792459487915},{"word":"gold","start":1799.375,"end":1799.695,"confidence":0.8569336,"punctuated_word":"gold","sentiment":"neutral","sentiment_score":0.12968075275421145},{"word":"makes","start":1799.695,"end":1800.195,"confidence":0.97265625,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":0.05299065262079239},{"word":"it","start":1800.495,"end":1800.575,"confidence":0.4736328,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07011954486370087},{"word":"so","start":1801.135,"end":1801.455,"confidence":0.42114258,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.06469431519508362},{"word":"when","start":1801.455,"end":1801.695,"confidence":0.9902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.07584340870380402},{"word":"you","start":1801.695,"end":1801.9349,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0652572363615036},{"word":"have","start":1801.9349,"end":1802.095,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0858001634478569},{"word":"it","start":1802.095,"end":1802.255,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07464887946844101},{"word":"in","start":1802.255,"end":1802.495,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0597519725561142},{"word":"gold","start":1802.495,"end":1802.995,"confidence":0.97924805,"punctuated_word":"gold,","sentiment":"neutral","sentiment_score":0.05974925309419632},{"word":"how","start":1803.88,"end":1804.0399,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.07306715846061707},{"word":"does","start":1804.0399,"end":1804.2,"confidence":1.0,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.06307089328765869},{"word":"it","start":1804.2,"end":1804.36,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15245777368545532},{"word":"work","start":1804.36,"end":1804.6,"confidence":0.99902344,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.17181536555290222},{"word":"for","start":1804.6,"end":1804.76,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14132729172706604},{"word":"you","start":1804.76,"end":1804.9199,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10755755007266998},{"word":"if","start":1804.9199,"end":1805.1599,"confidence":0.9863281,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09981678426265717},{"word":"it's","start":1805.1599,"end":1805.32,"confidence":0.9995117,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.07746598869562149},{"word":"not","start":1805.32,"end":1805.48,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.047407589852809906},{"word":"coming","start":1805.48,"end":1805.72,"confidence":1.0,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.07379832863807678},{"word":"back","start":1805.72,"end":1805.96,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.05402373895049095},{"word":"to","start":1805.96,"end":1806.0399,"confidence":0.98291016,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.021555468440055847},{"word":"you","start":1806.0399,"end":1806.28,"confidence":0.99609375,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.00292213074862957},{"word":"i","start":1806.28,"end":1806.36,"confidence":0.99902344,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.3525574207305908},{"word":"don't","start":1806.36,"end":1806.6,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.28125840425491333},{"word":"understand","start":1806.6,"end":1806.84,"confidence":0.94628906,"punctuated_word":"understand.","sentiment":"negative","sentiment_score":-0.37460070848464966},{"word":"i'm","start":1806.84,"end":1807.08,"confidence":0.9370117,"punctuated_word":"I'm","sentiment":"negative","sentiment_score":-0.476033627986908},{"word":"a","start":1807.08,"end":1807.24,"confidence":0.9863281,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4869059920310974},{"word":"bit","start":1807.24,"end":1807.48,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.5078048706054688},{"word":"dumb","start":1807.48,"end":1807.7999,"confidence":0.9133301,"punctuated_word":"dumb.","sentiment":"negative","sentiment_score":-0.436546266078949},{"word":"sorry","start":1807.7999,"end":1808.2999,"confidence":0.9189453,"punctuated_word":"Sorry.","sentiment":"neutral","sentiment_score":-0.2923039197921753},{"word":"when","start":1809.1599,"end":1809.32,"confidence":0.72558594,"punctuated_word":"When","sentiment":"neutral","sentiment_score":-0.13149765133857727},{"word":"you","start":1809.32,"end":1809.48,"confidence":0.9716797,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09201250970363616},{"word":"say","start":1809.48,"end":1809.88,"confidence":0.9970703,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.08397360891103745},{"word":"income","start":1809.88,"end":1810.38,"confidence":0.88305664,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":-0.09403426945209505},{"word":"mhmm","start":1826.5149,"end":1827.0149,"confidence":0.94836426,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.04094952344894409},{"word":"yes","start":1830.195,"end":1830.695,"confidence":0.87402344,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.12759637832641602},{"word":"yep","start":1837.8301,"end":1838.3301,"confidence":0.9926758,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06593537330627441},{"word":"yep","start":1841.75,"end":1841.91,"confidence":0.8757324,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03270126134157181},{"word":"you","start":1841.91,"end":1842.0701,"confidence":0.96875,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.007267564535140991},{"word":"would","start":1842.0701,"end":1842.39,"confidence":0.9970703,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.007207106798887253},{"word":"sell","start":1842.39,"end":1842.55,"confidence":0.921875,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.019775204360485077},{"word":"it","start":1842.55,"end":1842.71,"confidence":0.9770508,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.01431335136294365},{"word":"for","start":1842.71,"end":1843.1901,"confidence":0.873291,"punctuated_word":"for.","sentiment":"neutral","sentiment_score":-0.0069910623133182526},{"word":"yep","start":1843.1901,"end":1843.6901,"confidence":0.9946289,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.01910010911524296},{"word":"yep","start":1849.605,"end":1849.925,"confidence":0.98217773,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.007418361958116293},{"word":"okay","start":1849.925,"end":1850.425,"confidence":0.99365234,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.00977136567234993},{"word":"and","start":1851.285,"end":1851.605,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.006947766989469528},{"word":"how","start":1851.605,"end":1851.765,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.008258217945694923},{"word":"does","start":1851.765,"end":1851.925,"confidence":0.99316406,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.00004662945866584778},{"word":"that","start":1851.925,"end":1852.165,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.025374464690685272},{"word":"compare","start":1852.165,"end":1852.485,"confidence":0.9892578,"punctuated_word":"compare","sentiment":"neutral","sentiment_score":0.027980059385299683},{"word":"to","start":1852.485,"end":1852.645,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03241484984755516},{"word":"something","start":1852.645,"end":1852.9651,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.012569963932037354},{"word":"else","start":1852.9651,"end":1853.4651,"confidence":1.0,"punctuated_word":"else?","sentiment":"neutral","sentiment_score":0.04125656187534332},{"word":"mhmm","start":1859.045,"end":1859.52,"confidence":0.95043945,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.09762871265411376},{"word":"okay","start":1863.4401,"end":1863.9401,"confidence":0.97143555,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.08660006523132324},{"word":"yep","start":1868.56,"end":1869.06,"confidence":0.9904785,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09185787290334702},{"word":"okay","start":1871.6,"end":1872.0,"confidence":0.99658203,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06544440984725952},{"word":"i'm","start":1872.0,"end":1872.24,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.038710739463567734},{"word":"with","start":1872.24,"end":1872.48,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03225615248084068},{"word":"you","start":1872.48,"end":1872.885,"confidence":0.9980469,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.02776392363011837},{"word":"okay","start":1884.005,"end":1884.505,"confidence":0.99316406,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.03574175387620926},{"word":"but","start":1884.5651,"end":1884.805,"confidence":0.9921875,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.027002211660146713},{"word":"that","start":1884.805,"end":1885.045,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04234177619218826},{"word":"just","start":1885.045,"end":1885.285,"confidence":0.9902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.033037297427654266},{"word":"comes","start":1885.285,"end":1885.525,"confidence":0.99609375,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.03666398301720619},{"word":"back","start":1885.525,"end":1885.765,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.03239409253001213},{"word":"to","start":1885.765,"end":1886.085,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.026132285594940186},{"word":"super","start":1886.085,"end":1886.585,"confidence":0.76953125,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.04106621444225311},{"word":"in","start":1887.125,"end":1887.525,"confidence":0.9482422,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.01493054162710905},{"word":"goes","start":1887.525,"end":1887.765,"confidence":0.7651367,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.023444950580596924},{"word":"into","start":1887.765,"end":1888.085,"confidence":0.99316406,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.0063656289130449295},{"word":"your","start":1888.085,"end":1888.325,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.021578162908554077},{"word":"cash","start":1888.325,"end":1888.77,"confidence":0.892334,"punctuated_word":"cash.","sentiment":"neutral","sentiment_score":0.02164965867996216},{"word":"right","start":1891.49,"end":1891.99,"confidence":0.9692383,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.06211976706981659},{"word":"okay","start":1892.05,"end":1892.55,"confidence":1.0,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0503384992480278},{"word":"i'm","start":1893.73,"end":1893.97,"confidence":0.99902344,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1013513058423996},{"word":"with","start":1893.97,"end":1894.21,"confidence":0.9951172,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.09023815393447876},{"word":"you","start":1894.21,"end":1894.6901,"confidence":0.99902344,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.10837742686271667},{"word":"yep","start":1894.6901,"end":1895.01,"confidence":0.8947754,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0919373333454132},{"word":"yep","start":1895.01,"end":1895.49,"confidence":0.9194336,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08100936561822891},{"word":"okay","start":1895.49,"end":1895.99,"confidence":0.9995117,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06383714079856873},{"word":"so","start":1896.29,"end":1896.6901,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.030507270246744156},{"word":"so","start":1896.6901,"end":1896.93,"confidence":0.9873047,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.01873590610921383},{"word":"it","start":1896.93,"end":1897.09,"confidence":0.85498047,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.02116423286497593},{"word":"so","start":1897.09,"end":1897.3301,"confidence":0.90527344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.02563980594277382},{"word":"it","start":1897.3301,"end":1897.49,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.022476982325315475},{"word":"also","start":1897.49,"end":1897.97,"confidence":0.99316406,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.026824146509170532},{"word":"still","start":1897.97,"end":1898.37,"confidence":0.9604492,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.02365942671895027},{"word":"is","start":1898.37,"end":1898.61,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.019485510885715485},{"word":"how","start":1898.61,"end":1898.77,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.02611921913921833},{"word":"much","start":1898.77,"end":1899.01,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.03776710480451584},{"word":"you","start":1899.01,"end":1899.17,"confidence":0.9951172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.029482383280992508},{"word":"bought","start":1899.17,"end":1899.41,"confidence":0.98535156,"punctuated_word":"bought","sentiment":"neutral","sentiment_score":0.02867419272661209},{"word":"it","start":1899.41,"end":1899.49,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03529686480760574},{"word":"for","start":1899.49,"end":1899.65,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.027405375614762303},{"word":"and","start":1899.65,"end":1899.81,"confidence":0.98095703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02505533397197723},{"word":"how","start":1899.81,"end":1899.97,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.026860104873776436},{"word":"much","start":1899.97,"end":1900.21,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.03923133760690689},{"word":"you","start":1900.21,"end":1900.29,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.030451957136392593},{"word":"could","start":1900.29,"end":1900.53,"confidence":0.9980469,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.03135892376303673},{"word":"sell","start":1900.53,"end":1900.77,"confidence":0.99902344,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.03603777289390564},{"word":"it","start":1900.77,"end":1900.93,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03830372542142868},{"word":"for","start":1900.93,"end":1901.43,"confidence":0.95996094,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.025537986308336254},{"word":"but","start":1901.5249,"end":1901.6849,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.018186908215284348},{"word":"it","start":1901.6849,"end":1901.845,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.012671914882957935},{"word":"also","start":1901.845,"end":1902.345,"confidence":0.98828125,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.01695704087615013},{"word":"is","start":1902.6449,"end":1903.1449,"confidence":0.9770508,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.022135943174362183},{"word":"depositing","start":1903.205,"end":1903.705,"confidence":0.8508301,"punctuated_word":"depositing","sentiment":"neutral","sentiment_score":0.03771793842315674},{"word":"cash","start":1903.9249,"end":1904.1649,"confidence":0.9970703,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.04369271919131279},{"word":"into","start":1904.1649,"end":1904.485,"confidence":0.9970703,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.04278735816478729},{"word":"your","start":1904.485,"end":1904.8049,"confidence":1.0,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.028982892632484436},{"word":"cash","start":1904.8049,"end":1905.205,"confidence":1.0,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.03281199187040329},{"word":"amount","start":1905.205,"end":1905.705,"confidence":0.99365234,"punctuated_word":"amount.","sentiment":"neutral","sentiment_score":0.03891179710626602},{"word":"yeah","start":1906.965,"end":1907.2849,"confidence":0.888916,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07385052740573883},{"word":"right","start":1907.2849,"end":1907.605,"confidence":0.99853516,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.09078168123960496},{"word":"yeah","start":1907.605,"end":1908.005,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09247523546218872},{"word":"right","start":1908.005,"end":1908.245,"confidence":0.99658203,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.10271116346120834},{"word":"okay","start":1908.245,"end":1908.6449,"confidence":0.99902344,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.09859398007392885},{"word":"because","start":1908.6449,"end":1908.8849,"confidence":0.9394531,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.09239614754915236},{"word":"i","start":1908.8849,"end":1908.965,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14678895473480225},{"word":"okay","start":1912.965,"end":1913.365,"confidence":0.99194336,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.1182996928691864},{"word":"yeah","start":1913.365,"end":1913.605,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09320737421512604},{"word":"i'm","start":1913.605,"end":1913.845,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.08715532720088959},{"word":"with","start":1913.845,"end":1914.085,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08239661902189255},{"word":"you","start":1914.085,"end":1914.48,"confidence":1.0,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.08957581222057343},{"word":"yeah","start":1914.72,"end":1914.96,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06595277786254883},{"word":"i've","start":1914.96,"end":1915.2,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.05336101353168487},{"word":"been","start":1915.2,"end":1915.36,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.048953693360090256},{"word":"watching","start":1915.36,"end":1915.76,"confidence":1.0,"punctuated_word":"watching","sentiment":"neutral","sentiment_score":0.06166849285364151},{"word":"gold","start":1915.76,"end":1916.08,"confidence":0.21618652,"punctuated_word":"Gold","sentiment":"neutral","sentiment_score":0.08999139070510864},{"word":"because","start":1916.08,"end":1916.32,"confidence":0.75683594,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.0608484223484993},{"word":"i","start":1916.32,"end":1916.4,"confidence":0.7158203,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07711939513683319},{"word":"have","start":1916.4,"end":1916.64,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08153923600912094},{"word":"this","start":1916.64,"end":1916.7999,"confidence":0.93603516,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0848812535405159},{"word":"one","start":1916.7999,"end":1917.04,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.08236861228942871},{"word":"little","start":1917.04,"end":1917.36,"confidence":0.9941406,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.06449107825756073},{"word":"pizzly","start":1917.36,"end":1917.84,"confidence":0.59399414,"punctuated_word":"pizzly","sentiment":"neutral","sentiment_score":0.052535202354192734},{"word":"nugget","start":1917.84,"end":1918.34,"confidence":0.99365234,"punctuated_word":"nugget.","sentiment":"neutral","sentiment_score":0.05503394454717636},{"word":"it's","start":1919.12,"end":1919.62,"confidence":0.6933594,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.028057873249053955},{"word":"actually","start":1919.6799,"end":1920.0,"confidence":0.98291016,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.01823117770254612},{"word":"a","start":1920.0,"end":1920.24,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.023792270570993423},{"word":"tail","start":1920.24,"end":1920.64,"confidence":0.720459,"punctuated_word":"tail,","sentiment":"neutral","sentiment_score":0.02897254377603531},{"word":"a","start":1920.64,"end":1920.7999,"confidence":0.9863281,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.026293210685253143},{"word":"t","start":1920.7999,"end":1921.04,"confidence":0.9951172,"punctuated_word":"t","sentiment":"neutral","sentiment_score":0.024683397263288494},{"word":"a","start":1921.04,"end":1921.36,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.025058628991246223},{"word":"e","start":1921.36,"end":1921.52,"confidence":0.99121094,"punctuated_word":"e","sentiment":"neutral","sentiment_score":0.027495786547660828},{"word":"l","start":1921.52,"end":1921.76,"confidence":0.9880371,"punctuated_word":"l,","sentiment":"neutral","sentiment_score":0.025005415081977844},{"word":"and","start":1921.76,"end":1922.0,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02545628510415554},{"word":"it's","start":1922.0,"end":1922.32,"confidence":0.9951172,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.03115762770175934},{"word":"37.5","start":1922.32,"end":1923.44,"confidence":1.0,"punctuated_word":"37.5","sentiment":"neutral","sentiment_score":0.021258503198623657},{"word":"grams","start":1923.44,"end":1923.84,"confidence":0.90600586,"punctuated_word":"grams.","sentiment":"neutral","sentiment_score":0.02392890304327011},{"word":"and","start":1923.84,"end":1924.08,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.010724784806370735},{"word":"someone","start":1924.08,"end":1924.48,"confidence":1.0,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.00783172994852066},{"word":"paid","start":1924.48,"end":1924.72,"confidence":1.0,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.012163612991571426},{"word":"it","start":1924.72,"end":1924.96,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.016820188611745834},{"word":"to","start":1924.96,"end":1925.2,"confidence":0.9873047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.001347169280052185},{"word":"gave","start":1925.36,"end":1925.6,"confidence":1.0,"punctuated_word":"gave","sentiment":"neutral","sentiment_score":0.00367153063416481},{"word":"it","start":1925.6,"end":1925.84,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.02322055771946907},{"word":"to","start":1925.84,"end":1926.0,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.009891409426927568},{"word":"me","start":1926.0,"end":1926.24,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.0023806095123291016},{"word":"in","start":1926.24,"end":1926.48,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.011661265045404434},{"word":"exchange","start":1926.48,"end":1926.96,"confidence":1.0,"punctuated_word":"exchange","sentiment":"neutral","sentiment_score":0.02648811787366867},{"word":"for","start":1926.96,"end":1927.28,"confidence":0.9658203,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.00040613487362861633},{"word":"me","start":1927.28,"end":1927.6,"confidence":0.9316406,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.002025589346885681},{"word":"selling","start":1927.6,"end":1927.9199,"confidence":0.99902344,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":0.008055455982685089},{"word":"something","start":1927.9199,"end":1928.4199,"confidence":0.7626953,"punctuated_word":"something.","sentiment":"neutral","sentiment_score":0.0022315531969070435},{"word":"i'm","start":1929.025,"end":1929.105,"confidence":0.75,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0010697990655899048},{"word":"i","start":1929.185,"end":1929.345,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0017722733318805697},{"word":"think","start":1929.345,"end":1929.745,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.008373210206627846},{"word":"probably","start":1929.745,"end":1930.245,"confidence":0.88964844,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.004661820828914642},{"word":"only","start":1930.305,"end":1930.625,"confidence":0.98828125,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.00034027546644210815},{"word":"five","start":1930.625,"end":1930.945,"confidence":1.0,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.002306044101715088},{"word":"years","start":1930.945,"end":1931.185,"confidence":1.0,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.007028158754110336},{"word":"ago","start":1931.185,"end":1931.585,"confidence":0.8444824,"punctuated_word":"ago,","sentiment":"neutral","sentiment_score":0.008724571205675602},{"word":"and","start":1931.585,"end":1931.905,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0032875798642635345},{"word":"and","start":1931.905,"end":1932.385,"confidence":0.9482422,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0023087915033102036},{"word":"i","start":1932.385,"end":1932.865,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.003775503486394882},{"word":"i","start":1932.865,"end":1933.025,"confidence":0.98828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0037842988967895503},{"word":"sold","start":1933.025,"end":1933.345,"confidence":0.90478516,"punctuated_word":"sold","sentiment":"neutral","sentiment_score":-0.0008074380457401276},{"word":"a","start":1933.345,"end":1933.505,"confidence":0.54248047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.009703435003757477},{"word":"donger","start":1933.505,"end":1934.005,"confidence":0.74576825,"punctuated_word":"donger","sentiment":"neutral","sentiment_score":-0.00007975287735462189},{"word":"for","start":1934.065,"end":1934.465,"confidence":0.9970703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.006095439195632935},{"word":"for","start":1934.465,"end":1934.705,"confidence":0.9980469,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.004029236733913422},{"word":"$2","start":1934.705,"end":1935.265,"confidence":0.87939453,"punctuated_word":"$2.","sentiment":"neutral","sentiment_score":0.006384849548339844},{"word":"and","start":1935.265,"end":1935.505,"confidence":0.99609375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0159528236836195},{"word":"he","start":1935.505,"end":1935.665,"confidence":1.0,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.0122945262119174},{"word":"said","start":1935.665,"end":1936.165,"confidence":0.9655762,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.015781152993440628},{"word":"you","start":1936.305,"end":1936.465,"confidence":0.9892578,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.007312927395105362},{"word":"know","start":1936.465,"end":1936.705,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.010041005909442902},{"word":"would","start":1936.705,"end":1936.945,"confidence":0.9980469,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.014736805111169817},{"word":"you","start":1936.945,"end":1937.105,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.019686657935380936},{"word":"like","start":1937.105,"end":1937.345,"confidence":0.9980469,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.02783944830298424},{"word":"the","start":1937.345,"end":1937.505,"confidence":0.36865234,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03264433890581131},{"word":"you'd","start":1937.665,"end":1937.905,"confidence":0.71362305,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.01634807139635086},{"word":"like","start":1937.905,"end":1938.225,"confidence":0.9536133,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.01447053998708725},{"word":"cash","start":1938.225,"end":1938.465,"confidence":0.99609375,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.04054692015051842},{"word":"or","start":1938.465,"end":1938.625,"confidence":0.63623047,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.011243309825658798},{"word":"would","start":1938.625,"end":1938.785,"confidence":0.9970703,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.013311944901943209},{"word":"you","start":1938.785,"end":1938.865,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.017356082797050476},{"word":"like","start":1938.865,"end":1939.025,"confidence":0.9980469,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.03597494587302208},{"word":"this","start":1939.025,"end":1939.185,"confidence":0.6430664,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.023403313010931015},{"word":"piece","start":1939.185,"end":1939.345,"confidence":0.9980469,"punctuated_word":"piece","sentiment":"neutral","sentiment_score":0.012768130749464037},{"word":"of","start":1939.345,"end":1939.505,"confidence":0.9941406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.010714296251535416},{"word":"gold","start":1939.505,"end":1939.745,"confidence":0.9719238,"punctuated_word":"gold?","sentiment":"neutral","sentiment_score":0.02889961376786232},{"word":"and","start":1939.745,"end":1939.825,"confidence":0.9921875,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.021501434966921806},{"word":"i","start":1939.825,"end":1939.905,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.015816587954759598},{"word":"said","start":1939.905,"end":1940.065,"confidence":0.9916992,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.03087039478123188},{"word":"oh","start":1940.065,"end":1940.145,"confidence":0.9680176,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.044224005192518234},{"word":"i","start":1940.145,"end":1940.225,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04064438119530678},{"word":"think","start":1940.225,"end":1940.465,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.04653438180685043},{"word":"i","start":1940.465,"end":1940.625,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0441288985311985},{"word":"might","start":1940.625,"end":1940.785,"confidence":0.9970703,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.06214716657996178},{"word":"be","start":1940.785,"end":1940.945,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0500376895070076},{"word":"interested","start":1940.945,"end":1941.265,"confidence":0.99902344,"punctuated_word":"interested","sentiment":"neutral","sentiment_score":0.05825367197394371},{"word":"in","start":1941.265,"end":1941.505,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.043606337159872055},{"word":"gold","start":1941.505,"end":1942.005,"confidence":0.99365234,"punctuated_word":"gold.","sentiment":"neutral","sentiment_score":0.05435699224472046},{"word":"so","start":1942.29,"end":1942.53,"confidence":0.91918945,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.05616115778684616},{"word":"yeah","start":1942.53,"end":1942.77,"confidence":0.9890137,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.07070600986480713},{"word":"that","start":1942.77,"end":1942.89,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.058658353984355927},{"word":"that's","start":1943.01,"end":1943.25,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.044845353811979294},{"word":"worth","start":1943.25,"end":1943.5701,"confidence":0.97509766,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.03446616232395172},{"word":"$8.08","start":1943.5701,"end":1944.2101,"confidence":0.98999023,"punctuated_word":"$8.08","sentiment":"neutral","sentiment_score":0.05529733747243881},{"word":"and","start":1944.2101,"end":1944.29,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04453001916408539},{"word":"a","start":1944.29,"end":1944.37,"confidence":0.97802734,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04527986794710159},{"word":"half","start":1944.37,"end":1944.6101,"confidence":1.0,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.039295539259910583},{"word":"thousand","start":1944.6101,"end":1945.0901,"confidence":0.99902344,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.06548432260751724},{"word":"now","start":1945.0901,"end":1945.5901,"confidence":0.99121094,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.03709178790450096},{"word":"no","start":1948.53,"end":1948.77,"confidence":0.6883545,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.08758751302957535},{"word":"but","start":1948.77,"end":1948.93,"confidence":0.9589844,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.1934354454278946},{"word":"i","start":1948.93,"end":1949.0901,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2328992486000061},{"word":"wish","start":1949.0901,"end":1949.3301,"confidence":0.9941406,"punctuated_word":"wish","sentiment":"neutral","sentiment_score":-0.21458342671394348},{"word":"i","start":1949.3301,"end":1949.41,"confidence":0.9770508,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1312914490699768},{"word":"had","start":1949.41,"end":1949.5701,"confidence":0.6928711,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.15855765342712402},{"word":"more","start":1949.5701,"end":1950.0701,"confidence":0.9123535,"punctuated_word":"more.","sentiment":"neutral","sentiment_score":-0.16656583547592163},{"word":"more","start":1951.5701,"end":1951.81,"confidence":0.9873047,"punctuated_word":"More","sentiment":"neutral","sentiment_score":-0.12082269787788393},{"word":"would","start":1951.81,"end":1951.9701,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.0817553848028183},{"word":"be","start":1951.9701,"end":1952.13,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.06809363514184952},{"word":"better","start":1952.13,"end":1952.63,"confidence":1.0,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.03117161989212036},{"word":"than","start":1952.6901,"end":1952.8501,"confidence":0.9667969,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.08855369687080383},{"word":"one","start":1952.8501,"end":1953.0901,"confidence":0.96875,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.020914554595947266},{"word":"little","start":1953.0901,"end":1953.41,"confidence":0.99609375,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.03262382000684738},{"word":"tiny","start":1953.41,"end":1953.91,"confidence":0.8701172,"punctuated_word":"tiny","sentiment":"neutral","sentiment_score":0.02532174438238144},{"word":"37.5","start":1954.3049,"end":1955.5049,"confidence":0.9980469,"punctuated_word":"37.5","sentiment":"neutral","sentiment_score":-0.02528313547372818},{"word":"grams","start":1955.5049,"end":1955.9049,"confidence":0.98291016,"punctuated_word":"grams","sentiment":"neutral","sentiment_score":0.00658782571554184},{"word":"of","start":1955.9049,"end":1955.985,"confidence":0.97265625,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.029884546995162964},{"word":"gold","start":1955.985,"end":1956.485,"confidence":0.9926758,"punctuated_word":"gold.","sentiment":"neutral","sentiment_score":-0.003710545599460602},{"word":"yeah","start":1961.585,"end":1962.085,"confidence":0.99316406,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.015182002447545528},{"word":"yeah","start":1962.3049,"end":1962.7849,"confidence":0.99902344,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03212432190775871},{"word":"it","start":1962.7849,"end":1963.0249,"confidence":0.99609375,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.010821407660841942},{"word":"has","start":1963.0249,"end":1963.5249,"confidence":0.9897461,"punctuated_word":"has.","sentiment":"neutral","sentiment_score":0.01875372603535652},{"word":"yeah","start":1963.745,"end":1964.065,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08357337862253189},{"word":"i've","start":1964.065,"end":1964.225,"confidence":0.9995117,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.0607185922563076},{"word":"been","start":1964.225,"end":1964.465,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.053382474929094315},{"word":"looking","start":1964.465,"end":1964.7849,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.06296105682849884},{"word":"at","start":1964.7849,"end":1964.945,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.058204736560583115},{"word":"it","start":1964.945,"end":1965.4249,"confidence":0.9880371,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.042977795004844666},{"word":"i've","start":1965.4249,"end":1965.585,"confidence":0.99902344,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.04143880680203438},{"word":"been","start":1965.585,"end":1965.745,"confidence":1.0,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.03967693820595741},{"word":"looking","start":1965.745,"end":1966.065,"confidence":1.0,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.04563640058040619},{"word":"at","start":1966.065,"end":1966.225,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06606593728065491},{"word":"it","start":1966.225,"end":1966.3849,"confidence":0.98950195,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.042209792882204056},{"word":"when","start":1966.3849,"end":1966.5449,"confidence":0.99902344,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.04617249220609665},{"word":"i","start":1966.5449,"end":1966.705,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03226799517869949},{"word":"when","start":1966.705,"end":1966.945,"confidence":0.8125,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.029118595644831657},{"word":"i","start":1966.945,"end":1967.0249,"confidence":0.73583984,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03029736131429672},{"word":"when","start":1967.0249,"end":1967.4249,"confidence":0.7841797,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.021382801234722137},{"word":"i","start":1967.4249,"end":1967.585,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02837636135518551},{"word":"when","start":1967.585,"end":1967.9049,"confidence":0.9243164,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.012794677168130876},{"word":"i","start":1967.9049,"end":1968.1449,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.019301526248455048},{"word":"said","start":1968.1449,"end":1968.465,"confidence":0.9277344,"punctuated_word":"said","sentiment":"neutral","sentiment_score":0.035718418657779694},{"word":"yes","start":1968.465,"end":1968.705,"confidence":0.98828125,"punctuated_word":"yes","sentiment":"neutral","sentiment_score":0.04896064847707749},{"word":"to","start":1968.705,"end":1968.865,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03425053507089615},{"word":"it","start":1968.865,"end":1969.0249,"confidence":0.98657227,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.026861809194087986},{"word":"i","start":1969.0249,"end":1969.105,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03630932420492172},{"word":"did","start":1969.105,"end":1969.345,"confidence":0.9790039,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.03446611389517784},{"word":"look","start":1969.345,"end":1969.5049,"confidence":1.0,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.018176276236772537},{"word":"it","start":1969.5049,"end":1969.6649,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.016173116862773895},{"word":"up","start":1969.6649,"end":1969.745,"confidence":0.9970703,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.00161660835146904},{"word":"to","start":1969.745,"end":1970.04,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.002627253532409668},{"word":"see","start":1970.12,"end":1970.36,"confidence":0.9951172,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.0024790391325950623},{"word":"if","start":1970.36,"end":1970.52,"confidence":0.90722656,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.002400929108262062},{"word":"if","start":1970.52,"end":1970.68,"confidence":0.6669922,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0016169007867574692},{"word":"he","start":1970.68,"end":1971.0,"confidence":0.4975586,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.006973010487854481},{"word":"was","start":1971.0,"end":1971.48,"confidence":0.9970703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.026295192539691925},{"word":"it","start":1971.56,"end":1971.7201,"confidence":0.92578125,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03401336073875427},{"word":"was","start":1971.7201,"end":1971.9601,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.040641747415065765},{"word":"my","start":1971.9601,"end":1972.12,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.0324438251554966},{"word":"nephew","start":1972.12,"end":1972.52,"confidence":0.8327637,"punctuated_word":"nephew,","sentiment":"neutral","sentiment_score":-0.014286264777183533},{"word":"so","start":1972.52,"end":1972.76,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.007117088884115219},{"word":"i","start":1972.76,"end":1973.0,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.027471303939819336},{"word":"sort","start":1973.0,"end":1973.16,"confidence":0.99121094,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.058772556483745575},{"word":"of","start":1973.16,"end":1973.3201,"confidence":0.8984375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05871826782822609},{"word":"believed","start":1973.3201,"end":1973.64,"confidence":0.9633789,"punctuated_word":"believed","sentiment":"neutral","sentiment_score":-0.07624214142560959},{"word":"him","start":1973.64,"end":1973.88,"confidence":0.9975586,"punctuated_word":"him.","sentiment":"neutral","sentiment_score":-0.04327690973877907},{"word":"i","start":1973.88,"end":1973.9601,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10331723093986513},{"word":"didn't","start":1973.9601,"end":1974.28,"confidence":1.0,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.08537348359823227},{"word":"do","start":1974.28,"end":1974.52,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.09921295195817947},{"word":"it","start":1974.52,"end":1974.6001,"confidence":0.9951172,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.07359660416841507},{"word":"there","start":1974.6001,"end":1974.76,"confidence":0.99609375,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.08249377459287643},{"word":"on","start":1974.76,"end":1974.92,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.08940710872411728},{"word":"the","start":1974.92,"end":1975.0,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.055507685989141464},{"word":"spot","start":1975.0,"end":1975.24,"confidence":0.9519043,"punctuated_word":"spot.","sentiment":"neutral","sentiment_score":-0.0219283327460289},{"word":"but","start":1975.24,"end":1975.48,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.006556292995810509},{"word":"when","start":1975.48,"end":1975.88,"confidence":0.9980469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.01895248517394066},{"word":"but","start":1975.88,"end":1976.12,"confidence":0.84228516,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.011453889310359957},{"word":"when","start":1976.12,"end":1976.36,"confidence":0.9980469,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.035037681460380554},{"word":"we","start":1976.36,"end":1976.52,"confidence":0.9941406,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05612066388130188},{"word":"exchanged","start":1976.52,"end":1977.0,"confidence":0.86621094,"punctuated_word":"exchanged","sentiment":"neutral","sentiment_score":0.04395460337400437},{"word":"it","start":1977.0,"end":1977.16,"confidence":0.96777344,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.030302422121167183},{"word":"i","start":1977.16,"end":1977.24,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07917878031730652},{"word":"did","start":1977.24,"end":1977.48,"confidence":0.9970703,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.06748846173286438},{"word":"get","start":1977.48,"end":1977.64,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.05965959653258324},{"word":"on","start":1977.64,"end":1977.8,"confidence":0.99121094,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0495978482067585},{"word":"and","start":1977.8,"end":1977.88,"confidence":0.90234375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05468694120645523},{"word":"have","start":1977.88,"end":1978.04,"confidence":0.9863281,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05492902547121048},{"word":"a","start":1978.04,"end":1978.12,"confidence":0.87890625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05640973895788193},{"word":"look","start":1978.12,"end":1978.28,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.05772251635789871},{"word":"and","start":1978.28,"end":1978.4401,"confidence":0.96240234,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05306101590394974},{"word":"thought","start":1978.4401,"end":1978.68,"confidence":0.96606445,"punctuated_word":"thought,","sentiment":"neutral","sentiment_score":0.050705451518297195},{"word":"oh","start":1978.68,"end":1978.76,"confidence":0.98461914,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.056869737803936005},{"word":"no","start":1978.76,"end":1979.0,"confidence":0.97436523,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":0.00035706162452697754},{"word":"he","start":1979.0,"end":1979.24,"confidence":0.99902344,"punctuated_word":"He","sentiment":"neutral","sentiment_score":0.12363503128290176},{"word":"is","start":1979.24,"end":1979.4,"confidence":0.90722656,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09884875267744064},{"word":"right","start":1979.4,"end":1979.64,"confidence":0.9875488,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.13868652284145355},{"word":"it","start":1979.64,"end":1979.7201,"confidence":0.6699219,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.2344697117805481},{"word":"is","start":1979.7201,"end":1979.9601,"confidence":0.9506836,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.19076547026634216},{"word":"worth","start":1979.9601,"end":1980.2001,"confidence":0.97998047,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":0.17102503776550293},{"word":"that","start":1980.2001,"end":1980.4401,"confidence":0.9951172,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.181453600525856},{"word":"yeah","start":1980.4401,"end":1980.68,"confidence":0.9980469,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.3193680942058563},{"word":"that's","start":1980.68,"end":1981.0,"confidence":1.0,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.5397343039512634},{"word":"good","start":1981.0,"end":1981.5,"confidence":0.98999023,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.47309041023254395},{"word":"but","start":1981.64,"end":1982.14,"confidence":0.7841797,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.03728637471795082},{"word":"yeah","start":1982.2001,"end":1982.4401,"confidence":0.9194336,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.034512899816036224},{"word":"that's","start":1982.4401,"end":1982.8401,"confidence":0.9448242,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.025286948308348656},{"word":"been","start":1982.8401,"end":1983.0801,"confidence":0.99316406,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.006673336029052734},{"word":"going","start":1983.0801,"end":1983.3201,"confidence":0.9980469,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.03462101146578789},{"word":"on","start":1983.3201,"end":1983.56,"confidence":0.65393066,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.046634674072265625},{"word":"and","start":1983.56,"end":1983.7201,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.017286762595176697},{"word":"my","start":1983.7201,"end":1984.2201,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.026968926191329956},{"word":"daughter","start":1984.28,"end":1984.78,"confidence":0.99609375,"punctuated_word":"daughter,","sentiment":"neutral","sentiment_score":0.039089225232601166},{"word":"they","start":1984.955,"end":1985.275,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.05831843987107277},{"word":"decided","start":1985.275,"end":1985.595,"confidence":0.9902344,"punctuated_word":"decided","sentiment":"neutral","sentiment_score":0.060458820313215256},{"word":"to","start":1985.595,"end":1985.755,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0613420195877552},{"word":"buy","start":1985.755,"end":1986.075,"confidence":1.0,"punctuated_word":"buy","sentiment":"neutral","sentiment_score":0.050108425319194794},{"word":"silver","start":1986.075,"end":1986.555,"confidence":0.8105469,"punctuated_word":"silver,","sentiment":"neutral","sentiment_score":0.03801812976598739},{"word":"and","start":1986.555,"end":1986.715,"confidence":0.98535156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.005701884627342224},{"word":"now","start":1986.715,"end":1986.875,"confidence":0.99609375,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.014555469155311584},{"word":"they","start":1986.875,"end":1986.955,"confidence":0.9873047,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.00928712636232376},{"word":"wish","start":1986.955,"end":1987.195,"confidence":0.9394531,"punctuated_word":"wish","sentiment":"neutral","sentiment_score":-0.025261148810386658},{"word":"they","start":1987.195,"end":1987.355,"confidence":0.98828125,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.002149038016796112},{"word":"had","start":1987.355,"end":1987.595,"confidence":0.99121094,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.03554227948188782},{"word":"bought","start":1987.595,"end":1987.835,"confidence":0.9980469,"punctuated_word":"bought","sentiment":"neutral","sentiment_score":-0.003652989864349365},{"word":"more","start":1987.835,"end":1988.075,"confidence":0.9980469,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.02604924887418747},{"word":"too","start":1988.075,"end":1988.555,"confidence":0.9765625,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":0.011167680844664574},{"word":"they","start":1988.555,"end":1988.635,"confidence":0.53125,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.004020137712359428},{"word":"only","start":1988.635,"end":1988.875,"confidence":0.96777344,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.01483704149723053},{"word":"bought","start":1988.875,"end":1989.035,"confidence":0.9980469,"punctuated_word":"bought","sentiment":"neutral","sentiment_score":0.006801486015319824},{"word":"it","start":1989.035,"end":1989.195,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.012984775006771088},{"word":"last","start":1989.195,"end":1989.355,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.0016591213643550873},{"word":"year","start":1989.355,"end":1989.595,"confidence":0.85424805,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.014910941012203692},{"word":"and","start":1989.595,"end":1989.755,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.013336721807718275},{"word":"it's","start":1989.755,"end":1989.915,"confidence":0.9970703,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.02149057947099209},{"word":"already","start":1989.915,"end":1990.235,"confidence":0.9980469,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.0062350258231163025},{"word":"doubled","start":1990.235,"end":1990.735,"confidence":0.9645996,"punctuated_word":"doubled.","sentiment":"neutral","sentiment_score":0.042979415506124496},{"word":"two","start":1991.755,"end":1991.995,"confidence":0.81347656,"punctuated_word":"Two","sentiment":"neutral","sentiment_score":0.018973952159285545},{"word":"big","start":1991.995,"end":1992.495,"confidence":0.9902344,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.0478813499212265},{"word":"two","start":1992.715,"end":1993.035,"confidence":0.9980469,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.0031671077013015747},{"word":"ingots","start":1993.035,"end":1993.435,"confidence":0.8728841,"punctuated_word":"ingots,","sentiment":"neutral","sentiment_score":0.0022247638553380966},{"word":"you","start":1993.435,"end":1993.595,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01462232694029808},{"word":"know","start":1993.595,"end":1993.835,"confidence":0.9753418,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.009950809180736542},{"word":"two","start":1993.835,"end":1994.335,"confidence":0.984375,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.016534585505723953},{"word":"very","start":1994.555,"end":1994.875,"confidence":0.9790039,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.03714032471179962},{"word":"large","start":1994.875,"end":1995.275,"confidence":0.99902344,"punctuated_word":"large","sentiment":"neutral","sentiment_score":0.006334297358989716},{"word":"ingots","start":1995.275,"end":1995.675,"confidence":0.9995117,"punctuated_word":"ingots","sentiment":"neutral","sentiment_score":-0.003375023603439331},{"word":"of","start":1995.675,"end":1995.915,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.005991857498884201},{"word":"silver","start":1995.915,"end":1996.415,"confidence":0.94873047,"punctuated_word":"silver.","sentiment":"neutral","sentiment_score":-0.010921085253357887},{"word":"but","start":1996.715,"end":1997.215,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.004687350243330002},{"word":"i","start":1997.755,"end":1997.835,"confidence":0.89746094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.031045619398355484},{"word":"said","start":1997.835,"end":1998.235,"confidence":0.98950195,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.026369888335466385},{"word":"oh","start":1998.235,"end":1998.395,"confidence":0.9831543,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.05474919080734253},{"word":"you","start":1998.395,"end":1998.875,"confidence":0.9707031,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07297050952911377},{"word":"you","start":1998.875,"end":1998.955,"confidence":0.78564453,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07468675076961517},{"word":"can","start":1998.955,"end":1999.115,"confidence":0.9980469,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.08203847706317902},{"word":"only","start":1999.115,"end":1999.615,"confidence":0.9892578,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.09338116645812988},{"word":"we're","start":2000.52,"end":2000.68,"confidence":0.9980469,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.09292569011449814},{"word":"not","start":2000.68,"end":2000.92,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1354764699935913},{"word":"rich","start":2000.92,"end":2001.16,"confidence":0.7207031,"punctuated_word":"rich,","sentiment":"neutral","sentiment_score":-0.14828398823738098},{"word":"so","start":2001.16,"end":2001.4,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.09349801391363144},{"word":"you","start":2001.4,"end":2001.4801,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0568971149623394},{"word":"just","start":2001.4801,"end":2001.7201,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06937436759471893},{"word":"do","start":2001.7201,"end":2001.88,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0957258939743042},{"word":"what","start":2001.88,"end":2002.12,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.07391931861639023},{"word":"you","start":2002.12,"end":2002.2001,"confidence":0.9350586,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07819196581840515},{"word":"know","start":2002.2001,"end":2002.4401,"confidence":0.9970703,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.06462429463863373},{"word":"you","start":2002.4401,"end":2002.52,"confidence":0.99316406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06801585853099823},{"word":"can","start":2002.52,"end":2002.76,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.08435878902673721},{"word":"afford","start":2002.76,"end":2003.0801,"confidence":1.0,"punctuated_word":"afford","sentiment":"neutral","sentiment_score":-0.20685866475105288},{"word":"to","start":2003.0801,"end":2003.24,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13836780190467834},{"word":"lose","start":2003.24,"end":2003.64,"confidence":0.99609375,"punctuated_word":"lose","sentiment":"neutral","sentiment_score":-0.15294459462165833},{"word":"type","start":2003.64,"end":2003.8,"confidence":0.8154297,"punctuated_word":"type","sentiment":"neutral","sentiment_score":-0.09088844060897829},{"word":"of","start":2003.8,"end":2003.9601,"confidence":0.98095703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09487257897853851},{"word":"thing","start":2003.9601,"end":2004.2001,"confidence":0.9589844,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":-0.0740189403295517},{"word":"like","start":2004.2001,"end":2004.4401,"confidence":0.97875977,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.0018022321164608},{"word":"you","start":2004.4401,"end":2004.6001,"confidence":0.96972656,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0052057355642318726},{"word":"can","start":2004.6001,"end":2004.8401,"confidence":0.9970703,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.010386079549789429},{"word":"you","start":2005.0801,"end":2005.4,"confidence":0.92578125,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.054097920656204224},{"word":"you're","start":2005.4801,"end":2005.7201,"confidence":0.9851074,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.06308391690254211},{"word":"not","start":2005.7201,"end":2005.88,"confidence":0.9838867,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.07845087349414825},{"word":"you're","start":2005.88,"end":2006.12,"confidence":0.8881836,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.07517237216234207},{"word":"not","start":2006.12,"end":2006.28,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.06396390497684479},{"word":"she's","start":2006.4401,"end":2006.76,"confidence":0.97314453,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":-0.0754348561167717},{"word":"not","start":2006.76,"end":2006.92,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.0982808917760849},{"word":"gonna","start":2006.92,"end":2007.24,"confidence":0.9902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.11815141141414642},{"word":"lose","start":2007.24,"end":2007.64,"confidence":0.8117676,"punctuated_word":"lose,","sentiment":"neutral","sentiment_score":-0.1106451004743576},{"word":"but","start":2007.64,"end":2007.8,"confidence":0.97021484,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.05699165165424347},{"word":"you","start":2007.8,"end":2007.9601,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06813763827085495},{"word":"know","start":2007.9601,"end":2008.28,"confidence":0.8496094,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.05619506537914276},{"word":"she","start":2008.28,"end":2008.52,"confidence":0.9921875,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.04287486523389816},{"word":"said","start":2008.52,"end":2008.76,"confidence":0.9733887,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.0295947827398777},{"word":"oh","start":2008.76,"end":2009.0,"confidence":0.95336914,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.0516580268740654},{"word":"geez","start":2009.0,"end":2009.24,"confidence":0.7484538,"punctuated_word":"geez.","sentiment":"neutral","sentiment_score":-0.09303712844848631},{"word":"i","start":2009.24,"end":2009.3201,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.24361638724803925},{"word":"wish","start":2009.3201,"end":2009.56,"confidence":0.9873047,"punctuated_word":"wish","sentiment":"neutral","sentiment_score":-0.32352352142333984},{"word":"we'd","start":2009.56,"end":2009.7201,"confidence":0.9550781,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":-0.21700364351272583},{"word":"have","start":2009.7201,"end":2009.88,"confidence":0.8232422,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1978132724761963},{"word":"bought","start":2009.88,"end":2010.12,"confidence":0.9951172,"punctuated_word":"bought","sentiment":"neutral","sentiment_score":-0.14647501707077026},{"word":"more","start":2010.12,"end":2010.28,"confidence":0.8857422,"punctuated_word":"more.","sentiment":"neutral","sentiment_score":-0.14579257369041443},{"word":"and","start":2010.28,"end":2010.52,"confidence":0.99121094,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.05151728540658951},{"word":"i","start":2010.52,"end":2010.6001,"confidence":0.99121094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05480744317173958},{"word":"said","start":2010.6001,"end":2010.68,"confidence":0.96606445,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.04239172488451004},{"word":"yeah","start":2010.68,"end":2010.92,"confidence":0.88623047,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.058348577469587326},{"word":"but","start":2010.92,"end":2011.0801,"confidence":0.9970703,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.056389376521110535},{"word":"you","start":2011.0801,"end":2011.16,"confidence":0.8618164,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10552322119474412},{"word":"didn't","start":2011.16,"end":2011.56,"confidence":0.9995117,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.08134805411100388},{"word":"you","start":2011.56,"end":2011.7201,"confidence":0.7270508,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09319818764925004},{"word":"didn't","start":2011.7201,"end":2011.9601,"confidence":0.9177246,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.08881010860204697},{"word":"know","start":2011.9601,"end":2012.12,"confidence":0.98828125,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.08238434791564941},{"word":"it","start":2012.12,"end":2012.28,"confidence":0.9633789,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1072751134634018},{"word":"was","start":2012.28,"end":2012.4401,"confidence":0.99316406,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.13803690671920776},{"word":"gonna","start":2012.4401,"end":2012.9401,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.08351878821849823},{"word":"double","start":2013.0,"end":2013.3201,"confidence":0.9760742,"punctuated_word":"double","sentiment":"neutral","sentiment_score":-0.026950396597385406},{"word":"and","start":2013.3201,"end":2013.8201,"confidence":0.62841797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0033580539748072624},{"word":"go","start":2013.88,"end":2014.12,"confidence":0.8598633,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.0004841182380914688},{"word":"up","start":2014.12,"end":2014.4401,"confidence":0.9223633,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.0030995402485132217},{"word":"twice","start":2014.4401,"end":2014.8401,"confidence":0.68847656,"punctuated_word":"twice","sentiment":"neutral","sentiment_score":-0.0019791368395090103},{"word":"a","start":2014.8401,"end":2015.0,"confidence":0.55371094,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0019183047115802765},{"word":"month","start":2015.0,"end":2015.24,"confidence":0.81884766,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":-0.00376890879124403},{"word":"you","start":2015.24,"end":2015.4,"confidence":0.9970703,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.004933444783091545},{"word":"know","start":2015.4,"end":2015.775,"confidence":0.9941406,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":0.003947020508348942},{"word":"yeah","start":2016.255,"end":2016.755,"confidence":0.9550781,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05081038922071457},{"word":"it's","start":2017.6951,"end":2017.935,"confidence":0.642334,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.01417982205748558},{"word":"always","start":2017.935,"end":2018.255,"confidence":0.95166016,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.17150989174842834},{"word":"nice","start":2018.255,"end":2018.495,"confidence":0.9970703,"punctuated_word":"nice","sentiment":"neutral","sentiment_score":0.1877850443124771},{"word":"to","start":2018.495,"end":2018.655,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06441856175661087},{"word":"say","start":2018.655,"end":2019.155,"confidence":0.9941406,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.05658210068941116},{"word":"it's","start":2020.895,"end":2021.215,"confidence":0.9013672,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.1433676928281784},{"word":"always","start":2021.215,"end":2021.4551,"confidence":0.9970703,"punctuated_word":"always","sentiment":"neutral","sentiment_score":-0.017059683799743652},{"word":"nice","start":2021.4551,"end":2021.6951,"confidence":0.9970703,"punctuated_word":"nice","sentiment":"neutral","sentiment_score":-0.04244084656238556},{"word":"to","start":2021.6951,"end":2021.775,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10393521189689636},{"word":"say","start":2021.775,"end":2022.015,"confidence":0.939209,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.024563472718000412},{"word":"oh","start":2022.015,"end":2022.095,"confidence":0.9748535,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.053739722818136215},{"word":"i","start":2022.095,"end":2022.255,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1955614984035492},{"word":"should've","start":2022.255,"end":2022.495,"confidence":0.76220703,"punctuated_word":"should've","sentiment":"neutral","sentiment_score":-0.2034701704978943},{"word":"done","start":2022.495,"end":2022.655,"confidence":0.98095703,"punctuated_word":"done","sentiment":"neutral","sentiment_score":-0.22196036577224731},{"word":"it","start":2022.655,"end":2022.8151,"confidence":0.86743164,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.16626358032226562},{"word":"i","start":2022.8151,"end":2022.895,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1343984603881836},{"word":"should've","start":2022.895,"end":2023.135,"confidence":0.98706055,"punctuated_word":"should've","sentiment":"neutral","sentiment_score":-0.11423096060752869},{"word":"done","start":2023.135,"end":2023.295,"confidence":0.97802734,"punctuated_word":"done","sentiment":"neutral","sentiment_score":-0.13306832313537598},{"word":"it","start":2023.295,"end":2023.4551,"confidence":0.85961914,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.07840967178344727},{"word":"but","start":2023.4551,"end":2023.615,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.08850282430648804},{"word":"had","start":2023.615,"end":2023.855,"confidence":0.92822266,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.2094685435295105},{"word":"it","start":2023.855,"end":2023.935,"confidence":0.99316406,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.15780626237392426},{"word":"dropped","start":2023.935,"end":2024.255,"confidence":0.9772949,"punctuated_word":"dropped,","sentiment":"neutral","sentiment_score":-0.16332265734672546},{"word":"they","start":2024.255,"end":2024.415,"confidence":0.99121094,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.10939255356788637},{"word":"would've","start":2024.415,"end":2024.655,"confidence":0.9309082,"punctuated_word":"would've","sentiment":"neutral","sentiment_score":-0.25748834013938904},{"word":"been","start":2024.655,"end":2024.895,"confidence":0.9589844,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.2800633907318115},{"word":"glad","start":2024.895,"end":2025.135,"confidence":0.9980469,"punctuated_word":"glad","sentiment":"neutral","sentiment_score":-0.25731879472732544},{"word":"they","start":2025.135,"end":2025.295,"confidence":0.9970703,"punctuated_word":"they","sentiment":"negative","sentiment_score":-0.34450745582580566},{"word":"hadn't","start":2025.295,"end":2025.795,"confidence":0.97753906,"punctuated_word":"hadn't.","sentiment":"neutral","sentiment_score":-0.14886891841888428},{"word":"yeah","start":2049.725,"end":2050.225,"confidence":0.89501953,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.5219056606292725},{"word":"well","start":2051.005,"end":2051.165,"confidence":0.7314453,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.02617659419775009},{"word":"maddie","start":2051.165,"end":2051.325,"confidence":0.7338867,"punctuated_word":"Maddie","sentiment":"neutral","sentiment_score":-0.02020375430583954},{"word":"did","start":2051.325,"end":2051.805,"confidence":0.91015625,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.010735966265201569},{"word":"well","start":2051.805,"end":2051.965,"confidence":0.8125,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.0936102420091629},{"word":"maddie","start":2051.965,"end":2052.285,"confidence":1.0,"punctuated_word":"Maddie","sentiment":"neutral","sentiment_score":0.024491680786013603},{"word":"did","start":2052.285,"end":2052.525,"confidence":0.9970703,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.006203964352607727},{"word":"something","start":2052.525,"end":2052.845,"confidence":0.99902344,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.07460005581378937},{"word":"herself","start":2052.845,"end":2053.325,"confidence":0.70703125,"punctuated_word":"herself","sentiment":"neutral","sentiment_score":-0.04542624577879906},{"word":"when","start":2053.325,"end":2053.485,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.04871859401464462},{"word":"it","start":2053.485,"end":2053.645,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.039163798093795776},{"word":"comes","start":2053.645,"end":2053.885,"confidence":0.99902344,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":-0.027361776679754257},{"word":"to","start":2053.885,"end":2054.045,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03318888694047928},{"word":"shares","start":2054.045,"end":2054.445,"confidence":0.9921875,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":-0.011519484221935272},{"word":"as","start":2054.445,"end":2054.605,"confidence":1.0,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.03439440205693245},{"word":"well","start":2054.605,"end":2054.845,"confidence":0.95874023,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.029437586665153503},{"word":"but","start":2054.845,"end":2055.005,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.05468762665987015},{"word":"it","start":2055.005,"end":2055.085,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.054152652621269226},{"word":"was","start":2055.085,"end":2055.325,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.09109589457511902},{"word":"just","start":2055.325,"end":2055.565,"confidence":0.9941406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.05556307360529899},{"word":"something","start":2055.565,"end":2056.045,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.04712868481874466},{"word":"really","start":2056.045,"end":2056.445,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.08568625152111053},{"word":"little","start":2056.445,"end":2056.845,"confidence":0.7585449,"punctuated_word":"little.","sentiment":"neutral","sentiment_score":-0.03839271515607834},{"word":"and","start":2056.845,"end":2057.345,"confidence":0.9892578,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.012105399742722511},{"word":"she","start":2057.565,"end":2057.805,"confidence":0.9941406,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.007278107106685638},{"word":"reckons","start":2057.805,"end":2058.125,"confidence":0.9909668,"punctuated_word":"reckons","sentiment":"neutral","sentiment_score":-0.037304364144802094},{"word":"that","start":2058.125,"end":2058.365,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.028039664030075073},{"word":"that's","start":2058.365,"end":2058.685,"confidence":0.9890137,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.007094362284988165},{"word":"growing","start":2058.685,"end":2059.005,"confidence":0.9921875,"punctuated_word":"growing","sentiment":"neutral","sentiment_score":0.05388575792312622},{"word":"too","start":2059.005,"end":2059.245,"confidence":0.9602051,"punctuated_word":"too,","sentiment":"neutral","sentiment_score":-0.012390416115522385},{"word":"but","start":2059.245,"end":2059.485,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.013306807726621628},{"word":"she","start":2059.485,"end":2059.645,"confidence":1.0,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.012233920395374298},{"word":"does","start":2059.645,"end":2059.805,"confidence":0.99902344,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.019002646207809448},{"word":"put","start":2059.805,"end":2059.965,"confidence":0.9921875,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.003434613347053528},{"word":"a","start":2059.965,"end":2060.045,"confidence":0.9770508,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02933570370078087},{"word":"little","start":2060.045,"end":2060.285,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.03192150592803955},{"word":"bit","start":2060.285,"end":2060.445,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.04345656558871269},{"word":"of","start":2060.445,"end":2060.525,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.057504113763570786},{"word":"money","start":2060.525,"end":2060.845,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.010663248598575592},{"word":"into","start":2060.845,"end":2061.005,"confidence":0.98535156,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.02389001101255417},{"word":"that","start":2061.005,"end":2061.245,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.004017442464828491},{"word":"too","start":2061.245,"end":2061.565,"confidence":0.94970703,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":-0.053083665668964386},{"word":"but","start":2061.565,"end":2061.99,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.047833964228630066},{"word":"i","start":2062.07,"end":2062.15,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.126727893948555},{"word":"think","start":2062.15,"end":2062.39,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.09382615238428116},{"word":"she's","start":2062.39,"end":2062.63,"confidence":0.9819336,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":-0.15995383262634277},{"word":"sort","start":2062.63,"end":2062.8699,"confidence":0.88183594,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.21535399556159973},{"word":"of","start":2062.8699,"end":2063.03,"confidence":0.6503906,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.21710240840911865},{"word":"holding","start":2063.03,"end":2063.43,"confidence":0.99902344,"punctuated_word":"holding","sentiment":"neutral","sentiment_score":-0.29950380325317383},{"word":"back","start":2063.43,"end":2063.67,"confidence":0.99316406,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.2412571758031845},{"word":"to","start":2063.67,"end":2063.91,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.29946035146713257},{"word":"try","start":2063.91,"end":2064.23,"confidence":0.9326172,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.26125791668891907},{"word":"and","start":2064.23,"end":2064.47,"confidence":0.8095703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.18727754056453705},{"word":"she","start":2064.55,"end":2064.71,"confidence":0.99902344,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.19581422209739685},{"word":"doesn't","start":2064.71,"end":2064.95,"confidence":1.0,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.23747983574867249},{"word":"know","start":2064.95,"end":2065.19,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.20322708785533905},{"word":"when","start":2065.19,"end":2065.43,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.16533993184566498},{"word":"she","start":2065.43,"end":2065.51,"confidence":1.0,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.1833634078502655},{"word":"can","start":2065.51,"end":2065.83,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.2086580991744995},{"word":"swap","start":2065.83,"end":2066.15,"confidence":0.9951172,"punctuated_word":"swap","sentiment":"neutral","sentiment_score":-0.12165936827659608},{"word":"to","start":2066.15,"end":2066.31,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15478914976119995},{"word":"use","start":2066.31,"end":2066.63,"confidence":0.8330078,"punctuated_word":"use","sentiment":"neutral","sentiment_score":-0.10535596311092375},{"word":"to","start":2066.63,"end":2066.71,"confidence":0.9707031,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1839202344417572},{"word":"do","start":2066.71,"end":2066.95,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.1707926243543625},{"word":"anything","start":2066.95,"end":2067.35,"confidence":0.9995117,"punctuated_word":"anything.","sentiment":"neutral","sentiment_score":-0.15655061602592468},{"word":"i","start":2067.35,"end":2067.51,"confidence":0.9951172,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1353023499250412},{"word":"don't","start":2067.51,"end":2067.91,"confidence":0.9970703,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1396489292383194},{"word":"i","start":2067.91,"end":2068.07,"confidence":0.97314453,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1617128849029541},{"word":"don't","start":2068.07,"end":2068.31,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.14602932333946228},{"word":"know","start":2068.31,"end":2068.47,"confidence":0.9892578,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.1398850977420807},{"word":"how","start":2068.47,"end":2068.63,"confidence":0.9980469,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.113033264875412},{"word":"much","start":2068.63,"end":2068.8699,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.11419788002967834},{"word":"money","start":2068.8699,"end":2069.19,"confidence":0.99902344,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.07774333655834198},{"word":"she's","start":2069.19,"end":2069.35,"confidence":0.9995117,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":-0.09290950000286102},{"word":"got","start":2069.35,"end":2069.59,"confidence":0.9394531,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.09288325905799866},{"word":"in","start":2069.59,"end":2069.75,"confidence":0.9902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.09632311761379242},{"word":"super","start":2069.75,"end":2070.07,"confidence":0.87719727,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":-0.0711502730846405},{"word":"but","start":2070.07,"end":2070.57,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.043454162776470184},{"word":"keegan","start":2070.63,"end":2071.03,"confidence":0.87109375,"punctuated_word":"Keegan","sentiment":"neutral","sentiment_score":-0.024022620171308517},{"word":"has","start":2071.03,"end":2071.27,"confidence":0.9970703,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.032910771667957306},{"word":"got","start":2071.27,"end":2071.77,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.03341559320688248},{"word":"40","start":2071.83,"end":2072.23,"confidence":0.9812012,"punctuated_word":"40,","sentiment":"neutral","sentiment_score":-0.027999453246593475},{"word":"i","start":2072.23,"end":2072.39,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04149865359067917},{"word":"think","start":2072.39,"end":2072.79,"confidence":0.782959,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":-0.037601038813591},{"word":"but","start":2072.79,"end":2073.29,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.052918799221515656},{"word":"she","start":2073.43,"end":2073.59,"confidence":0.9970703,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.033406585454940796},{"word":"would","start":2073.59,"end":2073.83,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.038625095039606094},{"word":"probably","start":2073.83,"end":2074.33,"confidence":0.9921875,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.06092135235667229},{"word":"be","start":2074.39,"end":2074.55,"confidence":0.98095703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.0758446604013443},{"word":"equivalent","start":2074.55,"end":2075.05,"confidence":0.99902344,"punctuated_word":"equivalent","sentiment":"neutral","sentiment_score":-0.08493416756391525},{"word":"to","start":2075.11,"end":2075.27,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0555589534342289},{"word":"him","start":2075.27,"end":2075.67,"confidence":0.8466797,"punctuated_word":"him.","sentiment":"neutral","sentiment_score":-0.06698957085609436},{"word":"but","start":2075.67,"end":2075.91,"confidence":0.9980469,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.04973776638507843},{"word":"she's","start":2075.91,"end":2076.23,"confidence":0.9970703,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":-0.02830379083752632},{"word":"about","start":2076.23,"end":2076.47,"confidence":0.8984375,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.015084922313690186},{"word":"ready","start":2076.47,"end":2076.71,"confidence":0.99609375,"punctuated_word":"ready","sentiment":"neutral","sentiment_score":0.03646489977836609},{"word":"to","start":2076.71,"end":2076.79,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.010430678725242616},{"word":"go","start":2076.79,"end":2076.95,"confidence":0.99902344,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.022040829062461853},{"word":"on","start":2076.95,"end":2077.11,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.008085809648036957},{"word":"maternity","start":2077.11,"end":2077.61,"confidence":0.99902344,"punctuated_word":"maternity","sentiment":"neutral","sentiment_score":-0.03835844621062279},{"word":"leave","start":2077.67,"end":2077.965,"confidence":0.8544922,"punctuated_word":"leave,","sentiment":"neutral","sentiment_score":-0.050187818706035614},{"word":"so","start":2078.0452,"end":2078.245,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.07791765034198761},{"word":"i","start":2078.245,"end":2078.445,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12751920521259308},{"word":"don't","start":2078.445,"end":2078.685,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1308751404285431},{"word":"know","start":2078.685,"end":2078.925,"confidence":0.9980469,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.15303392708301544},{"word":"how","start":2078.925,"end":2079.0852,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.14467427134513855},{"word":"long","start":2079.0852,"end":2079.3252,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.12402398884296416},{"word":"that's","start":2079.3252,"end":2079.645,"confidence":0.9916992,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.16721758246421814},{"word":"gonna","start":2079.645,"end":2079.885,"confidence":0.99902344,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.17348091304302216},{"word":"last","start":2079.885,"end":2080.205,"confidence":0.8171387,"punctuated_word":"last.","sentiment":"neutral","sentiment_score":-0.13229817152023315},{"word":"you","start":2080.205,"end":2080.365,"confidence":0.9741211,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.07212237268686295},{"word":"know","start":2080.365,"end":2080.605,"confidence":0.93847656,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":-0.0467710942029953},{"word":"she's","start":2080.605,"end":2080.925,"confidence":0.99902344,"punctuated_word":"She's","sentiment":"neutral","sentiment_score":-0.03973516821861267},{"word":"gonna","start":2080.925,"end":2081.245,"confidence":0.9980469,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.03779636323451996},{"word":"probably","start":2081.245,"end":2081.5652,"confidence":0.9506836,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.03325434774160385},{"word":"have","start":2081.5652,"end":2081.8052,"confidence":0.9980469,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.03808197006583214},{"word":"twelve","start":2081.8052,"end":2082.0452,"confidence":0.99316406,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.05044081062078476},{"word":"months","start":2082.0452,"end":2082.2852,"confidence":0.9770508,"punctuated_word":"months","sentiment":"neutral","sentiment_score":-0.03267435356974602},{"word":"maternity","start":2082.2852,"end":2082.7651,"confidence":0.7939453,"punctuated_word":"maternity,","sentiment":"neutral","sentiment_score":-0.04435641691088677},{"word":"and","start":2082.7651,"end":2082.925,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04884180426597595},{"word":"then","start":2082.925,"end":2083.3252,"confidence":0.99902344,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.04008986055850983},{"word":"i","start":2083.3252,"end":2083.485,"confidence":0.9790039,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06664485484361649},{"word":"don't","start":2083.485,"end":2083.5652,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.07556196302175522},{"word":"know","start":2083.5652,"end":2083.8052,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.05517958104610443},{"word":"if","start":2083.8052,"end":2083.885,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.03217025846242905},{"word":"she's","start":2083.885,"end":2084.0452,"confidence":0.9995117,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":-0.02743365429341793},{"word":"gonna","start":2084.0452,"end":2084.365,"confidence":0.9941406,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.03840760886669159},{"word":"go","start":2084.365,"end":2084.5251,"confidence":0.9873047,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.04223017767071724},{"word":"back","start":2084.5251,"end":2084.7651,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.0231382567435503},{"word":"or","start":2084.7651,"end":2084.845,"confidence":0.99609375,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.04064765200018883},{"word":"not","start":2084.845,"end":2085.345,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.043979160487651825},{"word":"to","start":2085.645,"end":2085.885,"confidence":0.99316406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.002137158066034317},{"word":"earn","start":2085.885,"end":2086.385,"confidence":0.99902344,"punctuated_word":"earn","sentiment":"neutral","sentiment_score":-0.0082535520195961},{"word":"more","start":2086.5251,"end":2086.845,"confidence":0.9951172,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.004104528576135635},{"word":"super","start":2086.845,"end":2087.345,"confidence":0.6756592,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.06477922201156616},{"word":"yeah","start":2090.2852,"end":2090.7852,"confidence":0.9086914,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08781275898218155},{"word":"yes","start":2100.52,"end":2101.02,"confidence":0.8569336,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.22826221585273743},{"word":"i","start":2110.375,"end":2110.535,"confidence":0.47314453,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08077291399240494},{"word":"would","start":2110.535,"end":2110.775,"confidence":0.43237305,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.13578177988529205},{"word":"i","start":2110.855,"end":2111.015,"confidence":0.9902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02133643627166748},{"word":"just","start":2111.015,"end":2111.255,"confidence":0.5419922,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0003862828016281128},{"word":"wish","start":2111.255,"end":2111.495,"confidence":0.45581055,"punctuated_word":"wish","sentiment":"neutral","sentiment_score":-0.003415033221244812},{"word":"my","start":2111.495,"end":2111.895,"confidence":0.98535156,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.038097724318504333},{"word":"i","start":2111.895,"end":2111.975,"confidence":0.90771484,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04817023128271103},{"word":"just","start":2111.975,"end":2112.215,"confidence":0.9951172,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.02993929386138916},{"word":"wish","start":2112.215,"end":2112.455,"confidence":0.99609375,"punctuated_word":"wish","sentiment":"neutral","sentiment_score":-0.043478310108184814},{"word":"my","start":2112.455,"end":2112.615,"confidence":0.9980469,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.012527629733085632},{"word":"sister","start":2112.615,"end":2112.935,"confidence":0.9970703,"punctuated_word":"sister","sentiment":"neutral","sentiment_score":0.0070199668407440186},{"word":"would","start":2112.935,"end":2113.175,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.09705445170402528},{"word":"take","start":2113.175,"end":2113.415,"confidence":0.99902344,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.09956780821084976},{"word":"you","start":2113.415,"end":2113.575,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08358202129602432},{"word":"up","start":2113.575,"end":2113.815,"confidence":0.9301758,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.08015740662813187},{"word":"on","start":2113.815,"end":2113.975,"confidence":0.9980469,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0720268040895462},{"word":"on","start":2113.975,"end":2114.135,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.07708901166915894},{"word":"i","start":2115.895,"end":2116.055,"confidence":0.9873047,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.053222499787807465},{"word":"recorded","start":2116.055,"end":2116.555,"confidence":0.99902344,"punctuated_word":"recorded","sentiment":"neutral","sentiment_score":0.06804870814085007},{"word":"our","start":2116.615,"end":2116.855,"confidence":0.9892578,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.05247990041971207},{"word":"conversation","start":2116.855,"end":2117.355,"confidence":0.9902344,"punctuated_word":"conversation","sentiment":"neutral","sentiment_score":0.11795426905155182},{"word":"with","start":2117.575,"end":2117.735,"confidence":0.97265625,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.10038791596889496},{"word":"you","start":2117.735,"end":2118.055,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10943479090929031},{"word":"that","start":2118.215,"end":2118.455,"confidence":0.9873047,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09551307559013368},{"word":"i","start":2118.455,"end":2118.535,"confidence":0.99121094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08858390152454376},{"word":"had","start":2118.535,"end":2118.775,"confidence":0.99316406,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.10898186266422272},{"word":"with","start":2118.775,"end":2118.935,"confidence":0.9902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.13821245729923248},{"word":"you","start":2118.935,"end":2119.095,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14514732360839844},{"word":"so","start":2119.095,"end":2119.415,"confidence":0.57910156,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.10727141052484512},{"word":"i","start":2119.415,"end":2119.495,"confidence":0.9838867,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1102447658777237},{"word":"could","start":2119.495,"end":2119.655,"confidence":0.9790039,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.11525118350982666},{"word":"play","start":2119.655,"end":2119.815,"confidence":0.95410156,"punctuated_word":"play","sentiment":"neutral","sentiment_score":0.08777598291635513},{"word":"it","start":2119.815,"end":2119.895,"confidence":0.9394531,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13622230291366577},{"word":"to","start":2119.895,"end":2120.055,"confidence":0.9658203,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12665753066539764},{"word":"her","start":2120.055,"end":2120.215,"confidence":0.9892578,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.1182037517428398},{"word":"and","start":2120.215,"end":2120.375,"confidence":0.60546875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08288919925689697},{"word":"she","start":2120.375,"end":2120.455,"confidence":0.5527344,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.05566570907831192},{"word":"said","start":2120.455,"end":2120.615,"confidence":0.93481445,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.007627993822097778},{"word":"oh","start":2120.615,"end":2120.695,"confidence":0.97875977,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.017789872363209724},{"word":"yeah","start":2120.695,"end":2120.935,"confidence":0.9550781,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.003634091466665268},{"word":"it","start":2120.935,"end":2121.015,"confidence":0.8183594,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.010161921381950378},{"word":"sounds","start":2121.015,"end":2121.21,"confidence":0.80078125,"punctuated_word":"sounds","sentiment":"neutral","sentiment_score":-0.02404862642288208},{"word":"like","start":2121.3699,"end":2121.6099,"confidence":0.99121094,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.10104812681674956},{"word":"something","start":2121.6099,"end":2121.8499,"confidence":0.99609375,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.04994542896747589},{"word":"we","start":2121.8499,"end":2122.0898,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.052698977291584015},{"word":"really","start":2122.0898,"end":2122.33,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.09087850153446198},{"word":"need","start":2122.33,"end":2122.49,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.08363381028175354},{"word":"to","start":2122.49,"end":2122.65,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08136460930109024},{"word":"do","start":2122.65,"end":2122.81,"confidence":0.98217773,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":-0.10571296513080596},{"word":"but","start":2122.81,"end":2123.31,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.11789438873529434},{"word":"they","start":2123.53,"end":2123.69,"confidence":0.85839844,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.14688602089881897},{"word":"haven't","start":2123.69,"end":2124.01,"confidence":1.0,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.20515722036361697},{"word":"done","start":2124.01,"end":2124.17,"confidence":1.0,"punctuated_word":"done","sentiment":"neutral","sentiment_score":-0.2404590845108032},{"word":"anything","start":2124.17,"end":2124.67,"confidence":1.0,"punctuated_word":"anything.","sentiment":"neutral","sentiment_score":-0.17593370378017426},{"word":"they've","start":2124.73,"end":2124.97,"confidence":0.9970703,"punctuated_word":"They've","sentiment":"neutral","sentiment_score":-0.0931357964873314},{"word":"done","start":2124.97,"end":2125.21,"confidence":0.99609375,"punctuated_word":"done","sentiment":"neutral","sentiment_score":-0.12317432463169098},{"word":"nothing","start":2125.21,"end":2125.71,"confidence":1.0,"punctuated_word":"nothing.","sentiment":"neutral","sentiment_score":-0.04781258851289749},{"word":"they're","start":2126.17,"end":2126.41,"confidence":0.9975586,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":-0.323816180229187},{"word":"just","start":2126.41,"end":2126.65,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.3162893056869507},{"word":"living","start":2126.65,"end":2126.97,"confidence":0.95947266,"punctuated_word":"living","sentiment":"neutral","sentiment_score":-0.3105429410934448},{"word":"off","start":2126.97,"end":2127.21,"confidence":0.9902344,"punctuated_word":"off","sentiment":"negative","sentiment_score":-0.3668978810310364},{"word":"their","start":2127.21,"end":2127.45,"confidence":0.9536133,"punctuated_word":"their","sentiment":"negative","sentiment_score":-0.33606669306755066},{"word":"money","start":2127.45,"end":2127.8499,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.2833564877510071},{"word":"in","start":2127.8499,"end":2127.93,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.3326209783554077},{"word":"the","start":2127.93,"end":2128.0898,"confidence":1.0,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3394851088523865},{"word":"bank","start":2128.0898,"end":2128.33,"confidence":0.84399414,"punctuated_word":"bank,","sentiment":"neutral","sentiment_score":-0.2058074027299881},{"word":"and","start":2128.33,"end":2128.57,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1285088211297989},{"word":"i","start":2128.57,"end":2128.73,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1477813422679901},{"word":"just","start":2128.73,"end":2129.05,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.09526808559894562},{"word":"and","start":2129.21,"end":2129.71,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.037218011915683746},{"word":"and","start":2129.77,"end":2130.01,"confidence":0.9223633,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03167144954204559},{"word":"she","start":2130.01,"end":2130.17,"confidence":0.9921875,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.026005372405052185},{"word":"did","start":2130.17,"end":2130.41,"confidence":0.9838867,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.0015121474862098694},{"word":"confide","start":2130.41,"end":2130.73,"confidence":0.8342285,"punctuated_word":"confide","sentiment":"neutral","sentiment_score":-0.02856357768177986},{"word":"at","start":2130.73,"end":2130.89,"confidence":0.3059082,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0754673108458519},{"word":"me","start":2130.89,"end":2130.97,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.02615322172641754},{"word":"and","start":2130.97,"end":2131.13,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.018384195864200592},{"word":"tell","start":2131.13,"end":2131.29,"confidence":0.9902344,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":-0.013011269271373749},{"word":"me","start":2131.29,"end":2131.45,"confidence":0.99902344,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.022812411189079285},{"word":"that","start":2131.45,"end":2131.6099,"confidence":0.9941406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0193028524518013},{"word":"it's","start":2131.6099,"end":2131.8499,"confidence":0.8557129,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.04621713608503342},{"word":"1","start":2131.8499,"end":2132.0898,"confidence":1.0,"punctuated_word":"1","sentiment":"neutral","sentiment_score":-0.028172150254249573},{"word":"and","start":2132.0898,"end":2132.17,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.018398508429527283},{"word":"a","start":2132.17,"end":2132.25,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04164856672286987},{"word":"half","start":2132.25,"end":2132.49,"confidence":1.0,"punctuated_word":"half","sentiment":"neutral","sentiment_score":-0.04911881312727928},{"word":"million","start":2132.49,"end":2132.89,"confidence":0.99902344,"punctuated_word":"million","sentiment":"neutral","sentiment_score":0.01985522359609604},{"word":"that","start":2132.89,"end":2133.05,"confidence":0.984375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0023046955466270447},{"word":"they've","start":2133.05,"end":2133.21,"confidence":0.89501953,"punctuated_word":"they've","sentiment":"neutral","sentiment_score":-0.04666956514120102},{"word":"got","start":2133.21,"end":2133.45,"confidence":0.99609375,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.08306532353162766},{"word":"to","start":2133.45,"end":2133.53,"confidence":0.9873047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0838867574930191},{"word":"be","start":2133.53,"end":2133.69,"confidence":0.9819336,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.12327104806900024},{"word":"in","start":2133.69,"end":2133.77,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.11950600147247314},{"word":"the","start":2133.77,"end":2133.8499,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12853439152240753},{"word":"bank","start":2133.8499,"end":2134.0898,"confidence":0.95825195,"punctuated_word":"bank.","sentiment":"neutral","sentiment_score":-0.11025390028953552},{"word":"it's","start":2134.0898,"end":2134.335,"confidence":0.90844727,"punctuated_word":"It's","sentiment":"negative","sentiment_score":-0.3554260730743408},{"word":"probably","start":2134.415,"end":2134.575,"confidence":0.9951172,"punctuated_word":"probably","sentiment":"negative","sentiment_score":-0.3724324405193329},{"word":"not","start":2134.575,"end":2134.815,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.3827164769172669},{"word":"earning","start":2134.815,"end":2135.055,"confidence":1.0,"punctuated_word":"earning","sentiment":"neutral","sentiment_score":-0.3289211690425873},{"word":"them","start":2135.055,"end":2135.375,"confidence":0.99121094,"punctuated_word":"them","sentiment":"negative","sentiment_score":-0.43132537603378296},{"word":"anything","start":2135.375,"end":2135.855,"confidence":0.90356445,"punctuated_word":"anything,","sentiment":"negative","sentiment_score":-0.35939955711364746},{"word":"dana","start":2135.855,"end":2136.355,"confidence":0.6834717,"punctuated_word":"Dana.","sentiment":"neutral","sentiment_score":-0.2836097478866577},{"word":"probably","start":2136.895,"end":2137.2148,"confidence":0.80371094,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.15057501196861267},{"word":"not","start":2137.2148,"end":2137.375,"confidence":0.9970703,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.20281730592250824},{"word":"earning","start":2137.375,"end":2137.695,"confidence":0.9980469,"punctuated_word":"earning","sentiment":"neutral","sentiment_score":-0.17019757628440857},{"word":"them","start":2137.695,"end":2137.935,"confidence":0.9980469,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.21519701182842255},{"word":"anything","start":2137.935,"end":2138.255,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.22107252478599548},{"word":"at","start":2138.255,"end":2138.4949,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.3001314401626587},{"word":"all","start":2138.4949,"end":2138.9949,"confidence":0.85424805,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":-0.1758745014667511},{"word":"you","start":2139.055,"end":2139.2148,"confidence":0.9980469,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.06224604696035385},{"word":"know","start":2139.2148,"end":2139.7148,"confidence":0.9946289,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":-0.0611383393406868},{"word":"i","start":2140.175,"end":2140.335,"confidence":0.98828125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1734081506729126},{"word":"don't","start":2140.335,"end":2140.4949,"confidence":0.9980469,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.125253826379776},{"word":"know","start":2140.4949,"end":2140.9949,"confidence":0.9995117,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.112198606133461},{"word":"yeah","start":2149.9001,"end":2150.4001,"confidence":0.8823242,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08927503973245621},{"word":"yes","start":2153.9802,"end":2154.4802,"confidence":0.77905273,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.05257361009716987},{"word":"yes","start":2165.9648,"end":2166.4648,"confidence":0.99316406,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.3266729712486267},{"word":"yeah","start":2173.69,"end":2174.19,"confidence":0.8781738,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.434160053730011},{"word":"yeah","start":2184.33,"end":2184.83,"confidence":0.765625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.013720709830522535},{"word":"yes","start":2188.065,"end":2188.565,"confidence":0.7819824,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.13754872977733612},{"word":"yes","start":2194.065,"end":2194.565,"confidence":0.70092773,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08147045224905014},{"word":"yes","start":2197.265,"end":2197.765,"confidence":0.8442383,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.4123883843421936},{"word":"i","start":2207.6802,"end":2207.9202,"confidence":0.7705078,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.22870811820030212},{"word":"just","start":2207.9202,"end":2208.32,"confidence":0.9941406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2485120594501495},{"word":"i","start":2208.32,"end":2208.48,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1165340468287468},{"word":"just","start":2208.48,"end":2208.8,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.08528974652290344},{"word":"thought","start":2208.8,"end":2209.04,"confidence":0.98095703,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":-0.1123511791229248},{"word":"the","start":2209.04,"end":2209.2002,"confidence":0.96777344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0692499577999115},{"word":"sooner","start":2209.2002,"end":2209.52,"confidence":0.99902344,"punctuated_word":"sooner","sentiment":"neutral","sentiment_score":-0.12299135327339172},{"word":"that","start":2209.52,"end":2209.6802,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1707068234682083},{"word":"they","start":2209.6802,"end":2209.9202,"confidence":0.9902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.1005774438381195},{"word":"did","start":2209.9202,"end":2210.08,"confidence":0.9921875,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.12015649676322936},{"word":"it","start":2210.08,"end":2210.24,"confidence":0.9633789,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.09499648958444595},{"word":"the","start":2210.24,"end":2210.4001,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07412737607955933},{"word":"sooner","start":2210.4001,"end":2210.72,"confidence":1.0,"punctuated_word":"sooner","sentiment":"neutral","sentiment_score":-0.03111538290977478},{"word":"that","start":2210.72,"end":2210.8801,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09037379920482635},{"word":"they","start":2210.8801,"end":2211.04,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.06639376282691956},{"word":"could","start":2211.04,"end":2211.2002,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.08190500736236572},{"word":"be","start":2211.2002,"end":2211.36,"confidence":0.9980469,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.08767062425613403},{"word":"making","start":2211.36,"end":2211.76,"confidence":1.0,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.015652820467948914},{"word":"money","start":2211.76,"end":2212.24,"confidence":0.99902344,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.030009865760803223},{"word":"to","start":2212.24,"end":2212.56,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15961560606956482},{"word":"live","start":2212.56,"end":2212.8,"confidence":0.9301758,"punctuated_word":"live","sentiment":"neutral","sentiment_score":-0.06735172867774963},{"word":"off","start":2212.8,"end":2213.04,"confidence":0.96777344,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.12447435408830644},{"word":"of","start":2213.04,"end":2213.4402,"confidence":0.97998047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09131988883018494},{"word":"instead","start":2213.4402,"end":2213.84,"confidence":0.9267578,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":-0.10130991041660307},{"word":"of","start":2213.84,"end":2214.0,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2140965312719345},{"word":"dwindling","start":2214.0,"end":2214.5,"confidence":0.9902344,"punctuated_word":"dwindling","sentiment":"negative","sentiment_score":-0.4683568477630615},{"word":"it","start":2214.56,"end":2214.72,"confidence":0.99609375,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.4154284298419952},{"word":"away","start":2214.72,"end":2215.22,"confidence":0.8833008,"punctuated_word":"away.","sentiment":"neutral","sentiment_score":-0.2867155075073242},{"word":"you","start":2215.885,"end":2216.0452,"confidence":0.9980469,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.032101478427648544},{"word":"know","start":2216.0452,"end":2216.3652,"confidence":0.8725586,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":-0.01999366469681263},{"word":"i","start":2216.3652,"end":2216.6052,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.006626524031162262},{"word":"just","start":2216.6052,"end":2217.1052,"confidence":0.9941406,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.023028261959552765},{"word":"you","start":2217.885,"end":2218.0452,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.006643073633313179},{"word":"know","start":2218.0452,"end":2218.2852,"confidence":0.88916016,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.0009714607149362564},{"word":"like","start":2218.2852,"end":2218.7852,"confidence":0.9760742,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0017368374392390251},{"word":"as","start":2219.0051,"end":2219.165,"confidence":0.9921875,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.007485896348953247},{"word":"they","start":2219.165,"end":2219.485,"confidence":0.99609375,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.003843100741505623},{"word":"spend","start":2219.485,"end":2219.8052,"confidence":0.9863281,"punctuated_word":"spend","sentiment":"neutral","sentiment_score":0.014771582558751106},{"word":"it","start":2219.8052,"end":2220.0452,"confidence":0.9226074,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.007749360986053944},{"word":"like","start":2220.0452,"end":2220.3652,"confidence":0.93725586,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.011036450043320656},{"word":"at","start":2220.3652,"end":2220.6052,"confidence":0.8959961,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.01737857796251774},{"word":"with","start":2220.685,"end":2220.925,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.01339823752641678},{"word":"that","start":2220.925,"end":2221.165,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.00741113256663084},{"word":"amount","start":2221.165,"end":2221.3252,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.037500523030757904},{"word":"of","start":2221.3252,"end":2221.485,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04411235451698303},{"word":"money","start":2221.485,"end":2221.8052,"confidence":0.9914551,"punctuated_word":"money,","sentiment":"neutral","sentiment_score":-0.05172751098871231},{"word":"they","start":2221.8052,"end":2221.965,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.09150248765945436},{"word":"can't","start":2221.965,"end":2222.205,"confidence":1.0,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.10902440547943117},{"word":"get","start":2222.205,"end":2222.445,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.1380460411310196},{"word":"anything","start":2222.445,"end":2222.8452,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.15094439685344696},{"word":"from","start":2222.8452,"end":2223.0852,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.19757798314094543},{"word":"the","start":2223.0852,"end":2223.245,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16384755074977875},{"word":"government","start":2223.245,"end":2223.725,"confidence":0.91552734,"punctuated_word":"government.","sentiment":"neutral","sentiment_score":-0.1340782344341278},{"word":"nothing","start":2223.725,"end":2224.225,"confidence":0.9995117,"punctuated_word":"Nothing.","sentiment":"neutral","sentiment_score":-0.060007244348526},{"word":"so","start":2224.925,"end":2225.165,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.02309046685695648},{"word":"they","start":2225.165,"end":2225.405,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.01500062644481659},{"word":"must","start":2225.405,"end":2225.645,"confidence":1.0,"punctuated_word":"must","sentiment":"neutral","sentiment_score":-0.03648863732814789},{"word":"be","start":2225.645,"end":2225.8052,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03434211015701294},{"word":"living","start":2225.8052,"end":2226.2852,"confidence":0.9892578,"punctuated_word":"living","sentiment":"neutral","sentiment_score":-0.010535448789596558},{"word":"they","start":2226.2852,"end":2226.445,"confidence":0.9707031,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.035692065954208374},{"word":"must","start":2226.445,"end":2226.685,"confidence":1.0,"punctuated_word":"must","sentiment":"neutral","sentiment_score":0.06707461178302765},{"word":"be","start":2226.685,"end":2226.925,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.15837451815605164},{"word":"living","start":2226.925,"end":2227.245,"confidence":0.9980469,"punctuated_word":"living","sentiment":"neutral","sentiment_score":0.04488234221935272},{"word":"out","start":2227.245,"end":2227.405,"confidence":0.9941406,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.024530142545700073},{"word":"of","start":2227.405,"end":2227.5652,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0008144229650497437},{"word":"their","start":2227.5652,"end":2227.8052,"confidence":0.9970703,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.04148402437567711},{"word":"bank","start":2227.8052,"end":2228.205,"confidence":0.8937988,"punctuated_word":"bank.","sentiment":"neutral","sentiment_score":0.00008455663919448853},{"word":"so","start":2228.205,"end":2228.445,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.011462107300758362},{"word":"i","start":2228.445,"end":2228.685,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.017885416746139526},{"word":"just","start":2228.685,"end":2228.925,"confidence":0.9667969,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03308062255382538},{"word":"think","start":2228.925,"end":2229.245,"confidence":0.9921875,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.08871376514434814},{"word":"to","start":2229.245,"end":2229.405,"confidence":0.89746094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12226763367652892},{"word":"myself","start":2229.405,"end":2229.885,"confidence":0.9980469,"punctuated_word":"myself","sentiment":"neutral","sentiment_score":0.10625989735126495},{"word":"that","start":2229.885,"end":2230.385,"confidence":0.97875977,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.07313796877861023},{"word":"like","start":2230.79,"end":2230.95,"confidence":0.98291016,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.036494266241788864},{"word":"you","start":2230.95,"end":2231.19,"confidence":0.9902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.030643843114376068},{"word":"they","start":2231.3499,"end":2231.51,"confidence":0.9560547,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.03230847418308258},{"word":"i","start":2231.59,"end":2231.67,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03218500316143036},{"word":"think","start":2231.67,"end":2231.91,"confidence":0.99902344,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.049408555030822754},{"word":"they","start":2231.91,"end":2231.99,"confidence":0.9873047,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.04283244907855987},{"word":"would","start":2231.99,"end":2232.23,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.04670220613479614},{"word":"be","start":2232.23,"end":2232.39,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03701673448085785},{"word":"really","start":2232.39,"end":2232.71,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.01079392433166504},{"word":"surprised","start":2232.71,"end":2233.19,"confidence":0.99902344,"punctuated_word":"surprised","sentiment":"neutral","sentiment_score":0.06691916286945343},{"word":"at","start":2233.19,"end":2233.43,"confidence":0.9003906,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.048453330993652344},{"word":"how","start":2233.43,"end":2233.59,"confidence":1.0,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.06513877958059311},{"word":"much","start":2233.59,"end":2233.67,"confidence":0.9277344,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.060614414513111115},{"word":"they","start":2233.75,"end":2233.91,"confidence":0.9941406,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.025407642126083377},{"word":"don't","start":2233.91,"end":2234.07,"confidence":0.9914551,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.08304977416992188},{"word":"they","start":2234.15,"end":2234.31,"confidence":0.9941406,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.019585728645324707},{"word":"wouldn't","start":2234.31,"end":2234.55,"confidence":0.98950195,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":0.038630157709121704},{"word":"even","start":2234.55,"end":2234.71,"confidence":0.9970703,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.012773782014846802},{"word":"have","start":2234.71,"end":2234.83,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.021714791655540463},{"word":"to","start":2234.83,"end":2234.95,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.010519444942474363},{"word":"put","start":2234.95,"end":2235.19,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.007281303405761719},{"word":"all","start":2235.19,"end":2235.3499,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.008781269192695618},{"word":"of","start":2235.3499,"end":2235.43,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.027033045887947083},{"word":"it","start":2235.43,"end":2235.59,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.023386865854263306},{"word":"in","start":2235.59,"end":2235.83,"confidence":0.99902344,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":-0.01540740206837654},{"word":"they","start":2235.83,"end":2236.07,"confidence":1.0,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.02966230735182762},{"word":"wouldn't","start":2236.07,"end":2236.31,"confidence":0.99853516,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":0.021518852561712265},{"word":"even","start":2236.31,"end":2236.63,"confidence":0.9970703,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.027194511145353317},{"word":"have","start":2236.63,"end":2236.79,"confidence":0.9970703,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.009744074195623398},{"word":"to","start":2236.79,"end":2236.95,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.014928895980119703},{"word":"give","start":2236.95,"end":2237.1099,"confidence":1.0,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.02167738601565361},{"word":"you","start":2237.1099,"end":2237.6099,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.019488759338855743},{"word":"all","start":2237.67,"end":2237.91,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.010075200349092484},{"word":"of","start":2237.91,"end":2238.07,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0159435011446476},{"word":"their","start":2238.07,"end":2238.23,"confidence":0.9980469,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.029223576188087463},{"word":"money","start":2238.23,"end":2238.55,"confidence":1.0,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.0519525483250618},{"word":"to","start":2238.55,"end":2238.71,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03776577115058899},{"word":"manage","start":2238.71,"end":2239.03,"confidence":0.73742676,"punctuated_word":"manage.","sentiment":"neutral","sentiment_score":-0.06879641860723495},{"word":"so","start":2239.03,"end":2239.19,"confidence":0.9838867,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.012141097337007524},{"word":"you","start":2239.19,"end":2239.3499,"confidence":0.9921875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.002261068671941757},{"word":"could","start":2239.3499,"end":2239.51,"confidence":0.99902344,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.027250122278928757},{"word":"just","start":2239.51,"end":2239.91,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.017599817365407944},{"word":"allocate","start":2239.91,"end":2240.41,"confidence":0.99902344,"punctuated_word":"allocate","sentiment":"neutral","sentiment_score":0.04229607805609703},{"word":"half","start":2240.71,"end":2240.95,"confidence":0.99316406,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.0716104581952095},{"word":"of","start":2240.95,"end":2241.1099,"confidence":0.9970703,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03862295672297478},{"word":"it","start":2241.1099,"end":2241.3499,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.02639410644769669},{"word":"or","start":2241.3499,"end":2241.51,"confidence":0.99902344,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.038572560995817184},{"word":"something","start":2241.51,"end":2242.01,"confidence":0.9633789,"punctuated_word":"something.","sentiment":"neutral","sentiment_score":0.01026894524693489},{"word":"but","start":2242.39,"end":2242.71,"confidence":0.8833008,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.051714152097702026},{"word":"you","start":2242.71,"end":2242.79,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03921877220273018},{"word":"know","start":2242.79,"end":2243.29,"confidence":0.9980469,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.05500755459070206},{"word":"yeah","start":2243.885,"end":2244.285,"confidence":0.9279785,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.05312518775463104},{"word":"but","start":2244.285,"end":2244.605,"confidence":0.7800293,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.01348353922367096},{"word":"anyway","start":2244.605,"end":2245.105,"confidence":0.9995117,"punctuated_word":"anyway,","sentiment":"neutral","sentiment_score":0.02023865282535553},{"word":"i","start":2245.165,"end":2245.325,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11185023188591003},{"word":"haven't","start":2245.325,"end":2245.645,"confidence":1.0,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.1448899805545807},{"word":"really","start":2245.645,"end":2246.125,"confidence":1.0,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.1785981059074402},{"word":"had","start":2246.125,"end":2246.365,"confidence":0.9980469,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.00375983864068985},{"word":"the","start":2246.365,"end":2246.525,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.023782603442668915},{"word":"chance","start":2246.525,"end":2247.005,"confidence":1.0,"punctuated_word":"chance","sentiment":"neutral","sentiment_score":0.037537768483161926},{"word":"since","start":2247.005,"end":2247.505,"confidence":0.9863281,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.023707129061222076},{"word":"i","start":2247.645,"end":2247.885,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.008110158145427704},{"word":"last","start":2247.885,"end":2248.2048,"confidence":0.9980469,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.0180213525891304},{"word":"spoke","start":2248.2048,"end":2248.445,"confidence":1.0,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":0.036753445863723755},{"word":"to","start":2248.445,"end":2248.605,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.054663389921188354},{"word":"you","start":2248.605,"end":2248.765,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.016772903501987457},{"word":"to","start":2248.765,"end":2248.845,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.033152248710393906},{"word":"sit","start":2248.845,"end":2249.085,"confidence":1.0,"punctuated_word":"sit","sentiment":"neutral","sentiment_score":0.07592712342739105},{"word":"down","start":2249.085,"end":2249.325,"confidence":1.0,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.05518599972128868},{"word":"and","start":2249.325,"end":2249.405,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.024118226021528244},{"word":"say","start":2249.405,"end":2249.565,"confidence":0.9086914,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.021575814113020897},{"word":"have","start":2249.565,"end":2249.7249,"confidence":0.9873047,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.004284240305423737},{"word":"you","start":2249.7249,"end":2249.885,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0020516887307167053},{"word":"made","start":2249.885,"end":2250.125,"confidence":0.6665039,"punctuated_word":"made","sentiment":"neutral","sentiment_score":-0.008232638239860535},{"word":"any","start":2250.125,"end":2250.365,"confidence":1.0,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.002941712737083435},{"word":"decisions","start":2250.365,"end":2250.865,"confidence":0.9572754,"punctuated_word":"decisions?","sentiment":"neutral","sentiment_score":0.008065667003393173},{"word":"i","start":2251.2449,"end":2251.325,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.004032239317893982},{"word":"just","start":2251.325,"end":2251.565,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.002651721239089966},{"word":"know","start":2251.565,"end":2251.805,"confidence":0.9980469,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.007819801568984985},{"word":"that","start":2251.805,"end":2251.9648,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0004418790340423584},{"word":"she","start":2251.9648,"end":2252.2048,"confidence":0.8828125,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.018802780658006668},{"word":"hasn't","start":2252.2048,"end":2252.605,"confidence":1.0,"punctuated_word":"hasn't","sentiment":"neutral","sentiment_score":-0.011243299581110476},{"word":"said","start":2252.605,"end":2252.845,"confidence":0.9926758,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.0047512296587228775},{"word":"hey","start":2252.845,"end":2253.085,"confidence":0.9458008,"punctuated_word":"hey.","sentiment":"neutral","sentiment_score":-0.00736256456002593},{"word":"could","start":2253.085,"end":2253.2449,"confidence":0.9970703,"punctuated_word":"Could","sentiment":"neutral","sentiment_score":0.02542087808251381},{"word":"you","start":2253.2449,"end":2253.4849,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.010984890162944794},{"word":"set","start":2253.4849,"end":2253.645,"confidence":0.99902344,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.04248754680156708},{"word":"up","start":2253.645,"end":2253.805,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.0706842690706253},{"word":"a","start":2253.805,"end":2253.885,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06409791111946106},{"word":"meeting","start":2253.885,"end":2254.2048,"confidence":1.0,"punctuated_word":"meeting","sentiment":"neutral","sentiment_score":0.06374189257621765},{"word":"with","start":2254.2048,"end":2254.365,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.056323643773794174},{"word":"me","start":2254.365,"end":2254.525,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.017575427889823914},{"word":"with","start":2254.525,"end":2254.685,"confidence":0.9921875,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04999170079827309},{"word":"dana","start":2254.685,"end":2255.165,"confidence":0.982666,"punctuated_word":"Dana?","sentiment":"neutral","sentiment_score":0.0119447223842144},{"word":"so","start":2255.165,"end":2255.665,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.01054760441184044},{"word":"there's","start":2256.0698,"end":2256.3098,"confidence":0.99902344,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.005819985177367926},{"word":"been","start":2256.3098,"end":2256.5498,"confidence":0.99609375,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.012300990521907806},{"word":"a","start":2256.5498,"end":2256.63,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.010049143806099892},{"word":"little","start":2256.63,"end":2256.79,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.02515781670808792},{"word":"bit","start":2256.79,"end":2257.1099,"confidence":0.99609375,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.01586885377764702},{"word":"there's","start":2257.1099,"end":2257.51,"confidence":0.8210449,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.06482087075710297},{"word":"been","start":2257.51,"end":2257.67,"confidence":0.9980469,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.03383765369653702},{"word":"a","start":2257.67,"end":2257.8298,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04356098920106888},{"word":"little","start":2257.8298,"end":2258.0698,"confidence":1.0,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.03833624720573425},{"word":"bit","start":2258.0698,"end":2258.23,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.034470222890377045},{"word":"on","start":2258.23,"end":2258.39,"confidence":0.9873047,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.056363049894571304},{"word":"in","start":2258.39,"end":2258.5498,"confidence":0.9970703,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0550808385014534},{"word":"the","start":2258.5498,"end":2258.71,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04208647087216377},{"word":"family","start":2258.71,"end":2259.19,"confidence":0.8457031,"punctuated_word":"family.","sentiment":"neutral","sentiment_score":-0.06576814502477646},{"word":"so","start":2259.19,"end":2259.43,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0014167465269565582},{"word":"perhaps","start":2259.43,"end":2259.93,"confidence":0.94433594,"punctuated_word":"perhaps,","sentiment":"neutral","sentiment_score":0.005287330597639084},{"word":"you","start":2260.0698,"end":2260.23,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0032347440719604492},{"word":"know","start":2260.23,"end":2260.73,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.004743760451674461},{"word":"once","start":2260.8699,"end":2261.19,"confidence":0.99902344,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.00298304483294487},{"word":"she","start":2261.19,"end":2261.3499,"confidence":0.9902344,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.004486382007598877},{"word":"gets","start":2261.3499,"end":2261.5898,"confidence":0.99902344,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":-0.029245197772979736},{"word":"a","start":2261.5898,"end":2261.67,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.017104677855968475},{"word":"bit","start":2261.67,"end":2261.8298,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.01900988444685936},{"word":"more","start":2261.8298,"end":2262.0698,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.024896327406167984},{"word":"settled","start":2262.0698,"end":2262.47,"confidence":0.9812012,"punctuated_word":"settled,","sentiment":"neutral","sentiment_score":-0.019173210486769676},{"word":"she","start":2262.47,"end":2262.71,"confidence":0.99609375,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.025925271213054657},{"word":"might","start":2262.71,"end":2263.19,"confidence":1.0,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.005849599838256836},{"word":"approach","start":2263.19,"end":2263.67,"confidence":0.99902344,"punctuated_word":"approach","sentiment":"neutral","sentiment_score":-0.023044269531965256},{"word":"me","start":2263.67,"end":2263.8298,"confidence":1.0,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.0003839656710624695},{"word":"or","start":2263.8298,"end":2264.0698,"confidence":0.6503906,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.010950475931167604},{"word":"i","start":2264.0698,"end":2264.15,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.004286430776119232},{"word":"might","start":2264.15,"end":2264.39,"confidence":0.99902344,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.02783295512199402},{"word":"approach","start":2264.39,"end":2264.71,"confidence":0.99609375,"punctuated_word":"approach","sentiment":"neutral","sentiment_score":-0.014876451343297958},{"word":"her","start":2264.71,"end":2265.03,"confidence":0.9970703,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.016031093895435333},{"word":"eventually","start":2265.03,"end":2265.51,"confidence":0.98535156,"punctuated_word":"eventually","sentiment":"neutral","sentiment_score":0.005970820784568787},{"word":"again","start":2265.51,"end":2266.01,"confidence":0.99316406,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":0.0046576447784900665},{"word":"yeah","start":2266.5498,"end":2266.95,"confidence":0.9284668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14881733059883118},{"word":"so","start":2266.95,"end":2267.1099,"confidence":0.83935547,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10757968574762344},{"word":"that","start":2267.1099,"end":2267.3499,"confidence":0.7680664,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08364911377429962},{"word":"i","start":2267.3499,"end":2267.8499,"confidence":0.79296875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04866417497396469},{"word":"yeah","start":2279.7249,"end":2280.045,"confidence":0.86621094,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.1505977064371109},{"word":"yep","start":2280.045,"end":2280.545,"confidence":0.88671875,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14777114987373352},{"word":"very","start":2286.23,"end":2286.6301,"confidence":0.9819336,"punctuated_word":"Very","sentiment":"neutral","sentiment_score":0.2815905511379242},{"word":"secure","start":2286.6301,"end":2287.1301,"confidence":0.99902344,"punctuated_word":"secure.","sentiment":"neutral","sentiment_score":0.23289325833320615},{"word":"yeah","start":2287.59,"end":2288.09,"confidence":0.97265625,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14437717199325562},{"word":"yep","start":2316.6401,"end":2317.1401,"confidence":0.7763672,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.20640769600868225},{"word":"yes","start":2317.2,"end":2317.7,"confidence":0.84399414,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.17908085882663727},{"word":"no","start":2321.625,"end":2322.125,"confidence":0.92749023,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.14520663022994995},{"word":"yeah","start":2332.185,"end":2332.685,"confidence":0.9885254,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09019359946250916},{"word":"yeah","start":2333.145,"end":2333.625,"confidence":0.9914551,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12829934060573578},{"word":"yep","start":2333.625,"end":2334.125,"confidence":0.9038086,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15119975805282593},{"word":"yes","start":2347.65,"end":2348.15,"confidence":0.9523926,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2026919424533844},{"word":"yep","start":2348.3699,"end":2348.8699,"confidence":0.92993164,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2353343665599823},{"word":"mhmm","start":2356.835,"end":2356.915,"confidence":0.9779053,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.12402938306331636},{"word":"yep","start":2356.915,"end":2357.415,"confidence":0.9343262,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14570079743862152},{"word":"mhmm","start":2376.985,"end":2377.485,"confidence":0.961792,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.2007407993078232},{"word":"mhmm","start":2394.21,"end":2394.71,"confidence":0.98706055,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.06144825369119644},{"word":"yes","start":2394.8499,"end":2395.3499,"confidence":0.6706543,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1217108517885208},{"word":"yes","start":2413.755,"end":2414.1,"confidence":0.6821289,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.003234800649806857},{"word":"and","start":2414.1802,"end":2414.4202,"confidence":0.9941406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07312938570976257},{"word":"that","start":2414.4202,"end":2414.58,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09342896938323976},{"word":"all","start":2414.58,"end":2414.9001,"confidence":0.8647461,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.10063670575618744},{"word":"that","start":2414.9001,"end":2415.1401,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04600606858730316},{"word":"all","start":2415.1401,"end":2415.3801,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.07135044038295746},{"word":"came","start":2415.3801,"end":2415.78,"confidence":0.9404297,"punctuated_word":"came","sentiment":"neutral","sentiment_score":0.12233268469572069},{"word":"that","start":2415.78,"end":2416.02,"confidence":0.99121094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06261193752288818},{"word":"all","start":2416.02,"end":2416.26,"confidence":1.0,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.025046907365322113},{"word":"came","start":2416.26,"end":2416.5,"confidence":1.0,"punctuated_word":"came","sentiment":"neutral","sentiment_score":0.06442634016275406},{"word":"from","start":2416.5,"end":2416.6602,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.08099346607923508},{"word":"dividends","start":2416.6602,"end":2417.1602,"confidence":0.98828125,"punctuated_word":"dividends.","sentiment":"neutral","sentiment_score":0.009860853664577007},{"word":"is","start":2417.3,"end":2417.54,"confidence":1.0,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.039962343871593475},{"word":"that","start":2417.54,"end":2417.7002,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03528403863310814},{"word":"right","start":2417.7002,"end":2418.2002,"confidence":1.0,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":-0.00723804347217083},{"word":"yep","start":2422.02,"end":2422.52,"confidence":0.96533203,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.002599623054265976},{"word":"mhmm","start":2426.6602,"end":2427.1602,"confidence":0.9954834,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.061225224286317825},{"word":"okay","start":2437.115,"end":2437.2751,"confidence":0.99609375,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.04698226973414421},{"word":"okay","start":2437.2751,"end":2437.7751,"confidence":0.99902344,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0521051250398159},{"word":"mhmm","start":2449.8499,"end":2450.0898,"confidence":0.9515381,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0488593764603138},{"word":"yep","start":2450.0898,"end":2450.41,"confidence":0.9812012,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10984711349010468},{"word":"yep","start":2450.41,"end":2450.91,"confidence":0.9350586,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.140594944357872},{"word":"yep","start":2451.0498,"end":2451.5498,"confidence":0.9838867,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2951902151107788},{"word":"all","start":2453.45,"end":2453.69,"confidence":0.9604492,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.6287279725074768},{"word":"good","start":2453.69,"end":2454.165,"confidence":0.9995117,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5377327799797058},{"word":"mhmm","start":2463.685,"end":2464.185,"confidence":0.94140625,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.037129178643226624},{"word":"mhmm","start":2493.8,"end":2494.3,"confidence":0.9765625,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.04745284095406532},{"word":"yep","start":2498.92,"end":2499.42,"confidence":0.9848633,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06981191039085388},{"word":"yep","start":2507.625,"end":2508.125,"confidence":0.982666,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1385418027639389},{"word":"mhmm","start":2517.1448,"end":2517.6448,"confidence":0.9400635,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.1084374338388443},{"word":"no","start":2531.42,"end":2531.66,"confidence":0.76904297,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.12231150269508362},{"word":"okay","start":2531.66,"end":2532.16,"confidence":0.9675293,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.005906278267502785},{"word":"mhmm","start":2545.565,"end":2546.065,"confidence":0.9869385,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.016276884824037552},{"word":"yes","start":2555.19,"end":2555.69,"confidence":0.73205566,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.15958601236343384},{"word":"yeah","start":2561.27,"end":2561.77,"confidence":0.86328125,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06833893805742264},{"word":"mhmm","start":2564.165,"end":2564.665,"confidence":0.9970703,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.014201192185282707},{"word":"yeah","start":2565.045,"end":2565.545,"confidence":0.79345703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.006620755419135094},{"word":"i","start":2565.845,"end":2566.085,"confidence":0.99121094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12408258020877838},{"word":"don't","start":2566.085,"end":2566.325,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1067417860031128},{"word":"expect","start":2566.325,"end":2566.725,"confidence":0.99902344,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":-0.12675300240516665},{"word":"either","start":2566.725,"end":2567.045,"confidence":0.9951172,"punctuated_word":"either","sentiment":"neutral","sentiment_score":-0.17243635654449463},{"word":"of","start":2567.045,"end":2567.125,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.16706416010856628},{"word":"us","start":2567.125,"end":2567.285,"confidence":0.9980469,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.14008165895938873},{"word":"to","start":2567.285,"end":2567.445,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15775205194950104},{"word":"let","start":2567.445,"end":2567.685,"confidence":0.70214844,"punctuated_word":"let","sentiment":"neutral","sentiment_score":-0.20975303649902344},{"word":"last","start":2567.765,"end":2568.005,"confidence":0.99609375,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.12767961621284485},{"word":"that","start":2568.005,"end":2568.245,"confidence":0.99609375,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09209316968917848},{"word":"long","start":2568.245,"end":2568.745,"confidence":0.9995117,"punctuated_word":"long.","sentiment":"neutral","sentiment_score":-0.07737202942371368},{"word":"no","start":2571.125,"end":2571.625,"confidence":0.9338379,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1081770956516266},{"word":"i'm","start":2571.765,"end":2572.005,"confidence":0.89208984,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.08651920408010483},{"word":"aiming","start":2572.005,"end":2572.325,"confidence":0.99121094,"punctuated_word":"aiming","sentiment":"neutral","sentiment_score":-0.08589272946119308},{"word":"for","start":2572.325,"end":2572.485,"confidence":0.9199219,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0993816778063774},{"word":"i","start":2572.565,"end":2572.725,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07042064517736435},{"word":"reckon","start":2572.725,"end":2573.045,"confidence":0.99121094,"punctuated_word":"reckon","sentiment":"neutral","sentiment_score":-0.03944522142410278},{"word":"i'm","start":2573.045,"end":2573.205,"confidence":0.9645996,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.01963973604142666},{"word":"aiming","start":2573.205,"end":2573.525,"confidence":1.0,"punctuated_word":"aiming","sentiment":"neutral","sentiment_score":-0.008660461753606796},{"word":"for","start":2573.525,"end":2573.845,"confidence":0.9921875,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.007682681083679199},{"word":"early","start":2573.845,"end":2574.245,"confidence":0.98535156,"punctuated_word":"early","sentiment":"neutral","sentiment_score":0.022474855184555057},{"word":"eighties","start":2574.245,"end":2574.645,"confidence":0.9329427,"punctuated_word":"eighties.","sentiment":"neutral","sentiment_score":0.006263235118240118},{"word":"i","start":2574.645,"end":2574.885,"confidence":0.8017578,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.043459538370370865},{"word":"reckon","start":2574.885,"end":2575.125,"confidence":0.80322266,"punctuated_word":"reckon","sentiment":"neutral","sentiment_score":-0.03971622511744499},{"word":"i'm","start":2575.125,"end":2575.285,"confidence":0.99316406,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.02174873650074005},{"word":"too","start":2575.285,"end":2575.445,"confidence":0.99609375,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.012185461819171906},{"word":"much","start":2575.445,"end":2575.685,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.08600789308547974},{"word":"like","start":2575.685,"end":2575.925,"confidence":0.9135742,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.11654842644929886},{"word":"my","start":2575.925,"end":2576.085,"confidence":0.99609375,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.08185335993766785},{"word":"mother","start":2576.085,"end":2576.585,"confidence":0.9970703,"punctuated_word":"mother.","sentiment":"neutral","sentiment_score":-0.06357402354478836},{"word":"no","start":2588.69,"end":2588.93,"confidence":0.873291,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.015498608350753784},{"word":"but","start":2588.93,"end":2589.43,"confidence":0.99609375,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.05916324257850647},{"word":"but","start":2589.49,"end":2589.81,"confidence":0.984375,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.13936986029148102},{"word":"but","start":2589.81,"end":2589.97,"confidence":0.7182617,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2961880564689636},{"word":"90","start":2589.97,"end":2590.29,"confidence":0.9658203,"punctuated_word":"90","sentiment":"positive","sentiment_score":0.43861842155456543},{"word":"the","start":2590.45,"end":2590.77,"confidence":0.7578125,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4536733627319336},{"word":"90","start":2590.77,"end":2591.25,"confidence":0.9506836,"punctuated_word":"90","sentiment":"positive","sentiment_score":0.48665302991867065},{"word":"sound","start":2591.25,"end":2591.57,"confidence":0.88671875,"punctuated_word":"sound","sentiment":"positive","sentiment_score":0.6001589894294739},{"word":"is","start":2591.57,"end":2591.81,"confidence":0.9526367,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6786913871765137},{"word":"very","start":2591.81,"end":2592.05,"confidence":0.99902344,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.696226179599762},{"word":"encouraging","start":2592.05,"end":2592.55,"confidence":0.92041016,"punctuated_word":"encouraging.","sentiment":"positive","sentiment_score":0.5519903898239136},{"word":"so","start":2592.69,"end":2592.85,"confidence":0.8791504,"punctuated_word":"So,","sentiment":"positive","sentiment_score":0.5924849510192871},{"word":"yeah","start":2592.85,"end":2593.09,"confidence":0.9885254,"punctuated_word":"yeah,","sentiment":"positive","sentiment_score":0.6221880912780762},{"word":"you're","start":2593.09,"end":2593.25,"confidence":0.99853516,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.7035118341445923},{"word":"on","start":2593.25,"end":2593.4102,"confidence":0.9370117,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.6698557138442993},{"word":"a","start":2593.4102,"end":2593.49,"confidence":0.9980469,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6655372381210327},{"word":"good","start":2593.49,"end":2593.755,"confidence":0.99609375,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6060395836830139},{"word":"good","start":2593.755,"end":2594.1548,"confidence":0.99902344,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.575316846370697},{"word":"track","start":2594.1548,"end":2594.545,"confidence":1.0,"punctuated_word":"track","sentiment":"positive","sentiment_score":0.6227466464042664},{"word":"there","start":2594.545,"end":2594.795,"confidence":0.9904785,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.5305920839309692},{"word":"yeah","start":2594.795,"end":2595.295,"confidence":0.83740234,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1457308828830719},{"word":"mhmm","start":2608.2349,"end":2608.62,"confidence":0.93444824,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.06613273173570633},{"word":"yes","start":2614.86,"end":2615.36,"confidence":0.9641113,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.05761564522981644},{"word":"yes","start":2622.06,"end":2622.56,"confidence":0.8820801,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1218625158071518},{"word":"yeah","start":2641.54,"end":2642.04,"confidence":0.8696289,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.025277115404605865},{"word":"the","start":2643.7,"end":2643.94,"confidence":0.85839844,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.10175837576389311},{"word":"thing","start":2643.94,"end":2644.18,"confidence":0.9951172,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.0721845030784607},{"word":"is","start":2644.18,"end":2644.42,"confidence":0.99609375,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1167413592338562},{"word":"is","start":2644.42,"end":2644.74,"confidence":0.88183594,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.10965035855770112},{"word":"as","start":2644.74,"end":2644.98,"confidence":0.8310547,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.11894817650318146},{"word":"you","start":2644.98,"end":2645.14,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09667660295963287},{"word":"are","start":2645.14,"end":2645.3,"confidence":0.5292969,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.08632087707519531},{"word":"speaking","start":2645.3,"end":2645.7,"confidence":0.99902344,"punctuated_word":"speaking","sentiment":"neutral","sentiment_score":-0.078801728785038},{"word":"and","start":2645.7,"end":2645.94,"confidence":0.9560547,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.10958340018987656},{"word":"saying","start":2645.94,"end":2646.26,"confidence":0.9951172,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":-0.07159671187400818},{"word":"this","start":2646.26,"end":2646.5,"confidence":0.9980469,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.06397873163223267},{"word":"over","start":2646.5,"end":2646.74,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.07867875695228577},{"word":"and","start":2646.74,"end":2646.9,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.11521273851394652},{"word":"over","start":2646.9,"end":2647.14,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.13739779591560364},{"word":"again","start":2647.14,"end":2647.54,"confidence":0.9848633,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.12673988938331604},{"word":"i'm","start":2647.54,"end":2648.02,"confidence":0.9941406,"punctuated_word":"I'm","sentiment":"negative","sentiment_score":-0.3841422200202942},{"word":"starting","start":2648.02,"end":2648.42,"confidence":0.9980469,"punctuated_word":"starting","sentiment":"negative","sentiment_score":-0.42333072423934937},{"word":"to","start":2648.42,"end":2648.5,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4230387508869171},{"word":"think","start":2648.5,"end":2648.74,"confidence":1.0,"punctuated_word":"think","sentiment":"negative","sentiment_score":-0.3607907295227051},{"word":"that","start":2648.74,"end":2648.9,"confidence":0.9980469,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.3498278260231018},{"word":"it","start":2648.9,"end":2649.0598,"confidence":0.99902344,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.3982497453689575},{"word":"it","start":2649.0598,"end":2649.22,"confidence":0.83984375,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.3530692458152771},{"word":"will","start":2649.22,"end":2649.46,"confidence":0.9951172,"punctuated_word":"will","sentiment":"negative","sentiment_score":-0.3585413694381714},{"word":"be","start":2649.46,"end":2649.8599,"confidence":0.99902344,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.3497648537158966},{"word":"it","start":2650.0999,"end":2650.3398,"confidence":0.99902344,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.37201282382011414},{"word":"won't","start":2650.3398,"end":2650.66,"confidence":0.9995117,"punctuated_word":"won't","sentiment":"negative","sentiment_score":-0.4072000980377197},{"word":"be","start":2650.66,"end":2650.8198,"confidence":0.99902344,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.3369247615337372},{"word":"ten","start":2650.8198,"end":2651.0598,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":-0.32149794697761536},{"word":"years","start":2651.0598,"end":2651.46,"confidence":0.9951172,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.30508798360824585},{"word":"i","start":2651.46,"end":2651.6199,"confidence":0.74316406,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.583139181137085},{"word":"really","start":2651.6199,"end":2651.8599,"confidence":0.9980469,"punctuated_word":"really","sentiment":"negative","sentiment_score":-0.6442626118659973},{"word":"don't","start":2651.8599,"end":2652.0999,"confidence":1.0,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.5249663591384888},{"word":"think","start":2652.0999,"end":2652.495,"confidence":1.0,"punctuated_word":"think","sentiment":"negative","sentiment_score":-0.5378526449203491},{"word":"i","start":2652.735,"end":2652.895,"confidence":0.9980469,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.5766574144363403},{"word":"don't","start":2652.895,"end":2652.975,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.5616443157196045},{"word":"think","start":2652.975,"end":2653.375,"confidence":0.9970703,"punctuated_word":"think","sentiment":"negative","sentiment_score":-0.450356125831604},{"word":"peter","start":2653.375,"end":2653.6152,"confidence":0.99609375,"punctuated_word":"Peter","sentiment":"negative","sentiment_score":-0.4312115609645843},{"word":"will","start":2653.6152,"end":2653.8552,"confidence":0.96972656,"punctuated_word":"will","sentiment":"negative","sentiment_score":-0.4951021075248718},{"word":"i","start":2653.8552,"end":2653.935,"confidence":0.8286133,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.5187141299247742},{"word":"don't","start":2653.935,"end":2654.175,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.5423712730407715},{"word":"think","start":2654.175,"end":2654.3352,"confidence":0.9941406,"punctuated_word":"think","sentiment":"negative","sentiment_score":-0.5497242212295532},{"word":"peter","start":2654.3352,"end":2654.655,"confidence":1.0,"punctuated_word":"Peter","sentiment":"negative","sentiment_score":-0.4208483397960663},{"word":"will","start":2654.655,"end":2654.8152,"confidence":0.9970703,"punctuated_word":"will","sentiment":"negative","sentiment_score":-0.47498199343681335},{"word":"last","start":2654.8152,"end":2655.135,"confidence":0.9970703,"punctuated_word":"last","sentiment":"negative","sentiment_score":-0.43082723021507263},{"word":"another","start":2655.135,"end":2655.375,"confidence":0.9941406,"punctuated_word":"another","sentiment":"negative","sentiment_score":-0.5688872337341309},{"word":"ten","start":2655.375,"end":2655.6152,"confidence":1.0,"punctuated_word":"ten","sentiment":"negative","sentiment_score":-0.5094001293182373},{"word":"years","start":2655.6152,"end":2655.935,"confidence":0.99902344,"punctuated_word":"years","sentiment":"negative","sentiment_score":-0.3831443190574646},{"word":"at","start":2655.935,"end":2656.175,"confidence":0.99902344,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.4930351972579956},{"word":"work","start":2656.175,"end":2656.675,"confidence":0.93847656,"punctuated_word":"work.","sentiment":"negative","sentiment_score":-0.43517643213272095},{"word":"but","start":2658.495,"end":2658.8152,"confidence":0.9760742,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.06762593984603882},{"word":"but","start":2658.8152,"end":2659.135,"confidence":0.87158203,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.05916128307580948},{"word":"yeah","start":2659.135,"end":2659.375,"confidence":0.9941406,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.0600285679101944},{"word":"you've","start":2659.375,"end":2659.6152,"confidence":0.9995117,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.06130177900195122},{"word":"done","start":2659.6152,"end":2659.8552,"confidence":0.99902344,"punctuated_word":"done","sentiment":"neutral","sentiment_score":-0.065331369638443},{"word":"the","start":2659.8552,"end":2659.935,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04893745854496956},{"word":"figures","start":2659.935,"end":2660.3352,"confidence":0.9902344,"punctuated_word":"figures","sentiment":"neutral","sentiment_score":-0.03366965055465698},{"word":"for","start":2660.3352,"end":2660.495,"confidence":0.99609375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.058453790843486786},{"word":"ten","start":2660.495,"end":2660.735,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":-0.047799065709114075},{"word":"years","start":2660.735,"end":2660.975,"confidence":0.75439453,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":-0.04882322996854782},{"word":"but","start":2660.975,"end":2661.215,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.04581812769174576},{"word":"i","start":2661.215,"end":2661.375,"confidence":0.9970703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09141895920038225},{"word":"i'm","start":2661.695,"end":2661.935,"confidence":0.9477539,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.08413072675466537},{"word":"i'm","start":2661.935,"end":2662.0952,"confidence":0.85375977,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.29854339361190796},{"word":"thinking","start":2662.0952,"end":2662.415,"confidence":0.9970703,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":-0.32709968090057373},{"word":"it","start":2662.415,"end":2662.655,"confidence":0.9921875,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.34636902809143066},{"word":"was","start":2662.655,"end":2662.8152,"confidence":0.9770508,"punctuated_word":"was","sentiment":"negative","sentiment_score":-0.3855390548706054},{"word":"probably","start":2662.8152,"end":2663.135,"confidence":0.9980469,"punctuated_word":"probably","sentiment":"negative","sentiment_score":-0.4761480391025543},{"word":"gonna","start":2663.135,"end":2663.455,"confidence":0.99609375,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.4034174084663391},{"word":"be","start":2663.455,"end":2663.955,"confidence":0.99902344,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.35466450452804565},{"word":"a","start":2664.5752,"end":2664.655,"confidence":0.99902344,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3736151456832886},{"word":"bit","start":2664.655,"end":2664.895,"confidence":0.99902344,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.3532869219779968},{"word":"less","start":2664.895,"end":2665.215,"confidence":0.829834,"punctuated_word":"less.","sentiment":"negative","sentiment_score":-0.34528297185897827},{"word":"maybe","start":2665.215,"end":2665.715,"confidence":0.99316406,"punctuated_word":"Maybe","sentiment":"neutral","sentiment_score":-0.24022343754768372},{"word":"maybe","start":2665.9,"end":2666.22,"confidence":0.99902344,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.2644501328468323},{"word":"maybe","start":2666.22,"end":2666.7,"confidence":0.9980469,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.2985641658306122},{"word":"not","start":2666.7,"end":2667.02,"confidence":0.99365234,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":-0.2653878927230835},{"word":"he","start":2667.02,"end":2667.18,"confidence":0.99121094,"punctuated_word":"He","sentiment":"neutral","sentiment_score":-0.1921416372060776},{"word":"is","start":2667.18,"end":2667.34,"confidence":0.9194336,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1861829310655594},{"word":"only","start":2667.34,"end":2667.66,"confidence":0.9970703,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.1417250633239746},{"word":"58","start":2667.66,"end":2668.3,"confidence":0.8786621,"punctuated_word":"58.","sentiment":"neutral","sentiment_score":-0.11494313180446623},{"word":"so","start":2668.3,"end":2668.6199,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.07886134088039398},{"word":"if","start":2668.6199,"end":2668.86,"confidence":0.7246094,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.09033450484275818},{"word":"he","start":2668.86,"end":2668.94,"confidence":0.8745117,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.10034611821174622},{"word":"ten","start":2669.02,"end":2669.26,"confidence":0.9941406,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":-0.09887447953224182},{"word":"years","start":2669.26,"end":2669.76,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.07953327894210815},{"word":"of","start":2669.82,"end":2670.06,"confidence":0.9135742,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1004236489534378},{"word":"making","start":2670.06,"end":2670.46,"confidence":0.9667969,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.08957459032535553},{"word":"68","start":2670.46,"end":2671.1,"confidence":0.73657227,"punctuated_word":"68.","sentiment":"neutral","sentiment_score":-0.08453299850225449},{"word":"hey","start":2671.1,"end":2671.6,"confidence":0.8376465,"punctuated_word":"Hey.","sentiment":"neutral","sentiment_score":0.010499060153961182},{"word":"yeah","start":2671.66,"end":2672.16,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.032599590718746185},{"word":"yeah","start":2677.98,"end":2678.48,"confidence":0.99560547,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06232787296175957},{"word":"yep","start":2678.54,"end":2678.985,"confidence":0.98999023,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06739383190870285},{"word":"yep","start":2680.5051,"end":2681.0051,"confidence":0.97680664,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08013908565044403},{"word":"yeah","start":2684.2651,"end":2684.745,"confidence":0.98999023,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05841396003961563},{"word":"yeah","start":2684.745,"end":2685.0652,"confidence":0.87597656,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.047389328479766846},{"word":"unless","start":2685.0652,"end":2685.465,"confidence":0.8354492,"punctuated_word":"Unless","sentiment":"neutral","sentiment_score":-0.01889677718281746},{"word":"it","start":2685.465,"end":2685.705,"confidence":0.96435547,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03528203070163727},{"word":"changes","start":2685.705,"end":2686.1052,"confidence":0.9604492,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.07580813765525818},{"word":"because","start":2686.1052,"end":2686.425,"confidence":0.44213867,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.07561790198087692},{"word":"can","start":2686.665,"end":2686.905,"confidence":0.94384766,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.05976492911577225},{"word":"that","start":2686.905,"end":2687.145,"confidence":0.98535156,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.004663139581680298},{"word":"change","start":2687.145,"end":2687.465,"confidence":0.904541,"punctuated_word":"change,","sentiment":"neutral","sentiment_score":-0.039122674614191055},{"word":"do","start":2687.465,"end":2687.5452,"confidence":0.9604492,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.014457546174526216},{"word":"you","start":2687.5452,"end":2687.625,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.007407337427139282},{"word":"think","start":2687.625,"end":2687.7852,"confidence":0.9748535,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":-0.01835438795387745},{"word":"in","start":2687.7852,"end":2687.945,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0017857551574707031},{"word":"the","start":2687.945,"end":2688.1052,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0038191303610801697},{"word":"next","start":2688.1052,"end":2688.3452,"confidence":1.0,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.013443738222122192},{"word":"couple","start":2688.3452,"end":2688.665,"confidence":0.99902344,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.04073299467563629},{"word":"of","start":2688.665,"end":2688.745,"confidence":0.62060547,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.010826557874679564},{"word":"years","start":2688.745,"end":2689.245,"confidence":0.9970703,"punctuated_word":"years?","sentiment":"neutral","sentiment_score":-0.00889652594923973},{"word":"do","start":2689.465,"end":2689.625,"confidence":0.9921875,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.05830567330121994},{"word":"you","start":2689.625,"end":2689.705,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04601403325796127},{"word":"think","start":2689.705,"end":2689.945,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.07849021255970001},{"word":"they","start":2689.945,"end":2690.1052,"confidence":0.96435547,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.0414908230304718},{"word":"can","start":2690.1052,"end":2690.6052,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.04451746493577957},{"word":"oh","start":2695.22,"end":2695.54,"confidence":0.9453125,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.05662902444601059},{"word":"okay","start":2695.54,"end":2696.04,"confidence":0.9794922,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.08098015934228897},{"word":"yes","start":2715.065,"end":2715.565,"confidence":0.763916,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08416341990232468},{"word":"yep","start":2729.18,"end":2729.68,"confidence":0.8222656,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.06489662081003189},{"word":"yes","start":2733.74,"end":2734.24,"confidence":0.9501953,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.06099100410938263},{"word":"my","start":2736.615,"end":2736.855,"confidence":0.609375,"punctuated_word":"My","sentiment":"neutral","sentiment_score":-0.23288516700267792},{"word":"sister","start":2736.855,"end":2737.175,"confidence":0.9902344,"punctuated_word":"sister","sentiment":"neutral","sentiment_score":-0.19747652113437653},{"word":"as","start":2737.175,"end":2737.495,"confidence":0.9873047,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.17334727942943573},{"word":"well","start":2737.495,"end":2737.995,"confidence":0.97094727,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.12273576855659483},{"word":"not","start":2738.135,"end":2738.375,"confidence":0.99316406,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.16008251905441284},{"word":"not","start":2738.375,"end":2738.455,"confidence":0.99902344,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2174386829137802},{"word":"the","start":2738.455,"end":2738.615,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.27220821380615234},{"word":"one","start":2738.615,"end":2738.855,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.2188457697629929},{"word":"with","start":2738.855,"end":2739.095,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.266940176486969},{"word":"the","start":2739.095,"end":2739.2551,"confidence":0.8803711,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19104944169521332},{"word":"not","start":2739.2551,"end":2739.495,"confidence":0.5180664,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2072596400976181},{"word":"the","start":2739.495,"end":2739.575,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.28862208127975464},{"word":"one","start":2739.575,"end":2739.815,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.2349265217781067},{"word":"with","start":2739.815,"end":2739.895,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.3136552572250366},{"word":"a","start":2739.895,"end":2739.975,"confidence":0.8310547,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.3191779553890228},{"word":"lot","start":2739.975,"end":2740.135,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.3045888841152191},{"word":"of","start":2740.135,"end":2740.2952,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.32813262939453125},{"word":"money","start":2740.2952,"end":2740.455,"confidence":0.92041016,"punctuated_word":"money,","sentiment":"neutral","sentiment_score":-0.29502594470977783},{"word":"but","start":2740.455,"end":2740.695,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.18943418562412265},{"word":"the","start":2740.695,"end":2740.7751,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2908295691013336},{"word":"one","start":2740.7751,"end":2740.935,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.2864586412906647},{"word":"that's","start":2740.935,"end":2741.2551,"confidence":0.99365234,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.29547634720802307},{"word":"struggling","start":2741.2551,"end":2741.655,"confidence":0.94628906,"punctuated_word":"struggling","sentiment":"negative","sentiment_score":-0.43114012479782104},{"word":"down","start":2741.655,"end":2741.975,"confidence":0.9633789,"punctuated_word":"down","sentiment":"negative","sentiment_score":-0.4585787355899811},{"word":"south","start":2741.975,"end":2742.475,"confidence":0.9067383,"punctuated_word":"south.","sentiment":"negative","sentiment_score":-0.4219154119491577},{"word":"she's","start":2742.695,"end":2743.095,"confidence":0.939209,"punctuated_word":"She's","sentiment":"neutral","sentiment_score":-0.1834811568260193},{"word":"four","start":2743.095,"end":2743.335,"confidence":0.9941406,"punctuated_word":"four","sentiment":"neutral","sentiment_score":-0.1875380426645279},{"word":"years","start":2743.335,"end":2743.575,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.1615872085094452},{"word":"older","start":2743.575,"end":2743.815,"confidence":0.9472656,"punctuated_word":"older","sentiment":"neutral","sentiment_score":-0.18415673077106476},{"word":"than","start":2743.815,"end":2743.975,"confidence":0.99902344,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.2286775708198547},{"word":"me","start":2743.975,"end":2744.135,"confidence":0.7435303,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":-0.11235037446022034},{"word":"so","start":2744.135,"end":2744.375,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.13700488209724426},{"word":"she's","start":2744.375,"end":2744.615,"confidence":0.99853516,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":-0.23062124848365784},{"word":"65","start":2744.615,"end":2745.175,"confidence":0.99902344,"punctuated_word":"65","sentiment":"neutral","sentiment_score":-0.17936132848262787},{"word":"this","start":2745.175,"end":2745.335,"confidence":0.9951172,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.2155401110649109},{"word":"year","start":2745.335,"end":2745.495,"confidence":0.9785156,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.2348340749740601},{"word":"but","start":2745.495,"end":2745.735,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.1686028242111206},{"word":"she","start":2745.735,"end":2745.815,"confidence":0.99316406,"punctuated_word":"she","sentiment":"negative","sentiment_score":-0.41847366094589233},{"word":"has","start":2745.815,"end":2746.055,"confidence":0.9951172,"punctuated_word":"has","sentiment":"negative","sentiment_score":-0.5149379372596741},{"word":"terrible","start":2746.055,"end":2746.455,"confidence":0.9951172,"punctuated_word":"terrible","sentiment":"negative","sentiment_score":-0.666990339756012},{"word":"back","start":2746.455,"end":2746.615,"confidence":1.0,"punctuated_word":"back","sentiment":"negative","sentiment_score":-0.5713483691215515},{"word":"problems","start":2746.615,"end":2747.095,"confidence":0.9572754,"punctuated_word":"problems.","sentiment":"negative","sentiment_score":-0.5797397494316101},{"word":"well","start":2747.095,"end":2747.2551,"confidence":0.98535156,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.26040220260620117},{"word":"she's","start":2747.2551,"end":2747.495,"confidence":0.98535156,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":-0.3047669231891632},{"word":"been","start":2747.495,"end":2747.655,"confidence":0.9560547,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.29229936003685},{"word":"in","start":2747.655,"end":2747.815,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2851932942867279},{"word":"the","start":2747.815,"end":2747.975,"confidence":0.8413086,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.3051295280456543},{"word":"funeral","start":2747.975,"end":2748.375,"confidence":0.9980469,"punctuated_word":"funeral","sentiment":"negative","sentiment_score":-0.380514919757843},{"word":"industry","start":2748.375,"end":2748.875,"confidence":0.9506836,"punctuated_word":"industry.","sentiment":"neutral","sentiment_score":-0.22898849844932556},{"word":"so","start":2749.52,"end":2749.92,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.16341166198253632},{"word":"well","start":2750.32,"end":2750.64,"confidence":0.89404297,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.2896004021167755},{"word":"she","start":2750.64,"end":2750.96,"confidence":0.88671875,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.12189900130033492},{"word":"so","start":2751.2,"end":2751.44,"confidence":0.97509766,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.10039560496807098},{"word":"she's","start":2751.44,"end":2751.8398,"confidence":0.96362305,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":-0.2900685667991638},{"word":"chopped","start":2751.8398,"end":2752.16,"confidence":0.6923828,"punctuated_word":"chopped","sentiment":"neutral","sentiment_score":-0.32675307989120483},{"word":"and","start":2752.16,"end":2752.4,"confidence":0.9770508,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.3531597852706909},{"word":"changed","start":2752.4,"end":2752.88,"confidence":0.8881836,"punctuated_word":"changed","sentiment":"negative","sentiment_score":-0.36854514479637146},{"word":"from","start":2752.88,"end":2753.2,"confidence":1.0,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.25165170431137085},{"word":"being","start":2753.2,"end":2753.44,"confidence":1.0,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.3263765871524811},{"word":"a","start":2753.44,"end":2753.5999,"confidence":0.97265625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.30138540267944336},{"word":"person","start":2753.5999,"end":2754.0,"confidence":1.0,"punctuated_word":"person","sentiment":"neutral","sentiment_score":-0.29588064551353455},{"word":"who","start":2754.0,"end":2754.16,"confidence":1.0,"punctuated_word":"who","sentiment":"neutral","sentiment_score":-0.30686691403388977},{"word":"picks","start":2754.16,"end":2754.48,"confidence":0.99902344,"punctuated_word":"picks","sentiment":"negative","sentiment_score":-0.403465211391449},{"word":"up","start":2754.48,"end":2754.72,"confidence":1.0,"punctuated_word":"up","sentiment":"negative","sentiment_score":-0.394928365945816},{"word":"the","start":2754.72,"end":2754.88,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.3187667429447174},{"word":"deceased","start":2754.88,"end":2755.3599,"confidence":0.97753906,"punctuated_word":"deceased,","sentiment":"neutral","sentiment_score":-0.3017248511314392},{"word":"which","start":2755.3599,"end":2755.5999,"confidence":1.0,"punctuated_word":"which","sentiment":"negative","sentiment_score":-0.37259674072265625},{"word":"is","start":2755.5999,"end":2755.92,"confidence":0.9980469,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.49366235733032227},{"word":"very","start":2755.92,"end":2756.32,"confidence":1.0,"punctuated_word":"very","sentiment":"negative","sentiment_score":-0.5999626517295837},{"word":"hard","start":2756.32,"end":2756.56,"confidence":0.9941406,"punctuated_word":"hard","sentiment":"negative","sentiment_score":-0.5393539071083069},{"word":"on","start":2756.56,"end":2756.72,"confidence":1.0,"punctuated_word":"on","sentiment":"negative","sentiment_score":-0.5464777946472168},{"word":"the","start":2756.72,"end":2756.8,"confidence":0.9980469,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.5316659808158875},{"word":"body","start":2756.8,"end":2757.3,"confidence":0.89746094,"punctuated_word":"body,","sentiment":"negative","sentiment_score":-0.4806264042854309},{"word":"to","start":2757.8398,"end":2758.0798,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2366185486316681},{"word":"now","start":2758.0798,"end":2758.4,"confidence":0.99316406,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.18980008363723755},{"word":"so","start":2758.64,"end":2758.72,"confidence":0.6503906,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.1965453326702118},{"word":"then","start":2758.72,"end":2759.04,"confidence":0.9873047,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.13732363283634186},{"word":"she","start":2759.04,"end":2759.2,"confidence":0.984375,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.14238432049751282},{"word":"changed","start":2759.2,"end":2759.5999,"confidence":0.97314453,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":-0.17449790239334106},{"word":"to","start":2759.5999,"end":2759.92,"confidence":0.99609375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11147726327180862},{"word":"just","start":2759.92,"end":2760.24,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.11642283201217651},{"word":"doing","start":2760.24,"end":2760.56,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.1460639238357544},{"word":"services","start":2760.56,"end":2761.06,"confidence":0.8547363,"punctuated_word":"services.","sentiment":"neutral","sentiment_score":-0.0926571637392044},{"word":"but","start":2761.2,"end":2761.3599,"confidence":1.0,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.0910140573978424},{"word":"she","start":2761.3599,"end":2761.5999,"confidence":0.9951172,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.12531214952468872},{"word":"said","start":2761.5999,"end":2761.76,"confidence":0.7546387,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.11132866144180298},{"word":"surprisingly","start":2761.76,"end":2762.26,"confidence":0.7453613,"punctuated_word":"surprisingly,","sentiment":"negative","sentiment_score":-0.40963292121887207},{"word":"that's","start":2762.56,"end":2762.8,"confidence":0.99853516,"punctuated_word":"that's","sentiment":"negative","sentiment_score":-0.5464231967926025},{"word":"hard","start":2762.8,"end":2763.04,"confidence":0.99316406,"punctuated_word":"hard","sentiment":"negative","sentiment_score":-0.5391436815261841},{"word":"on","start":2763.04,"end":2763.2,"confidence":1.0,"punctuated_word":"on","sentiment":"negative","sentiment_score":-0.5824466943740845},{"word":"the","start":2763.2,"end":2763.28,"confidence":0.9970703,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.6003914475440979},{"word":"body","start":2763.28,"end":2763.5999,"confidence":1.0,"punctuated_word":"body","sentiment":"negative","sentiment_score":-0.6763774752616882},{"word":"as","start":2763.5999,"end":2763.76,"confidence":1.0,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.5382805466651917},{"word":"well","start":2763.76,"end":2764.26,"confidence":0.7546387,"punctuated_word":"well.","sentiment":"negative","sentiment_score":-0.5052957534790039},{"word":"you","start":2764.6748,"end":2764.755,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.21342329680919647},{"word":"know","start":2764.755,"end":2765.255,"confidence":0.9904785,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.1879116892814636},{"word":"getting","start":2765.9548,"end":2766.115,"confidence":0.38256836,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.29654794931411743},{"word":"the","start":2766.115,"end":2766.275,"confidence":0.99609375,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.25106364488601685},{"word":"bodies","start":2766.275,"end":2766.595,"confidence":0.8769531,"punctuated_word":"bodies","sentiment":"neutral","sentiment_score":-0.2330832481384277},{"word":"to","start":2766.595,"end":2766.755,"confidence":0.9838867,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.25579261779785156},{"word":"and","start":2766.755,"end":2766.9148,"confidence":0.9790039,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1860378533601761},{"word":"from","start":2766.9148,"end":2767.4148,"confidence":0.9921875,"punctuated_word":"from,","sentiment":"neutral","sentiment_score":-0.23426637053489685},{"word":"you","start":2767.4749,"end":2767.635,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.19934749603271484},{"word":"know","start":2767.635,"end":2768.035,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.24648445844650269},{"word":"crematoriums","start":2768.035,"end":2768.535,"confidence":0.9973958,"punctuated_word":"crematoriums","sentiment":"neutral","sentiment_score":-0.30016472935676575},{"word":"and","start":2768.835,"end":2769.075,"confidence":0.9770508,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.32492557168006897},{"word":"and","start":2769.075,"end":2769.575,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.290423721075058},{"word":"cemeteries","start":2770.115,"end":2770.615,"confidence":0.9119873,"punctuated_word":"cemeteries","sentiment":"neutral","sentiment_score":-0.30433541536331177},{"word":"and","start":2770.6748,"end":2770.835,"confidence":0.9248047,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.19925794005393985},{"word":"that","start":2770.835,"end":2771.335,"confidence":0.9838867,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.2119353711605072},{"word":"but","start":2771.4749,"end":2771.795,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.17493392527103424},{"word":"now","start":2771.795,"end":2772.035,"confidence":0.9902344,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.22502410411834717},{"word":"she's","start":2772.035,"end":2772.355,"confidence":0.97314453,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":-0.21005624532699585},{"word":"moved","start":2772.355,"end":2772.595,"confidence":1.0,"punctuated_word":"moved","sentiment":"neutral","sentiment_score":-0.26820245385169983},{"word":"to","start":2772.595,"end":2772.755,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15640543401241302},{"word":"a","start":2772.755,"end":2772.835,"confidence":0.9951172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1303558051586151},{"word":"call","start":2772.835,"end":2773.1548,"confidence":0.9941406,"punctuated_word":"call","sentiment":"neutral","sentiment_score":-0.1275911182165146},{"word":"center","start":2773.1548,"end":2773.555,"confidence":0.9980469,"punctuated_word":"center","sentiment":"neutral","sentiment_score":-0.0984005481004715},{"word":"where","start":2773.555,"end":2773.795,"confidence":0.92822266,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.05789792537689209},{"word":"she's","start":2773.795,"end":2774.035,"confidence":0.9995117,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":-0.04545636102557182},{"word":"organizing","start":2774.035,"end":2774.535,"confidence":0.99902344,"punctuated_word":"organizing","sentiment":"neutral","sentiment_score":-0.0751194953918457},{"word":"funerals","start":2775.1548,"end":2775.635,"confidence":0.79573566,"punctuated_word":"funerals.","sentiment":"neutral","sentiment_score":-0.10912679135799408},{"word":"so","start":2775.635,"end":2775.875,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1033271551132202},{"word":"she","start":2775.875,"end":2776.035,"confidence":0.9980469,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.12069869786500932},{"word":"said","start":2776.035,"end":2776.1948,"confidence":0.80615234,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.15026818215847015},{"word":"i'm","start":2776.1948,"end":2776.4348,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.23741936683654785},{"word":"hoping","start":2776.4348,"end":2776.9348,"confidence":1.0,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":-0.2824447453022003},{"word":"i'm","start":2777.38,"end":2777.6199,"confidence":0.9995117,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.2329898178577423},{"word":"hoping","start":2777.6199,"end":2778.02,"confidence":1.0,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":-0.20484542846679688},{"word":"i","start":2778.02,"end":2778.1,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.24643346667289737},{"word":"can","start":2778.1,"end":2778.6,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.1846974790096283},{"word":"seek","start":2778.98,"end":2779.22,"confidence":0.41967773,"punctuated_word":"seek","sentiment":"neutral","sentiment_score":-0.1413182020187378},{"word":"it","start":2779.22,"end":2779.54,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1813499331474304},{"word":"for","start":2779.54,"end":2779.7,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.198964461684227},{"word":"another","start":2779.7,"end":2780.02,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.1521981656551361},{"word":"two","start":2780.02,"end":2780.26,"confidence":1.0,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.220197856426239},{"word":"years","start":2780.26,"end":2780.76,"confidence":0.9980469,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":-0.2140532433986664},{"word":"you","start":2780.9,"end":2780.98,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.19296443462371823},{"word":"know","start":2780.98,"end":2781.3,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.23010313510894775},{"word":"at","start":2781.3,"end":2781.54,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.2883366644382477},{"word":"work","start":2781.54,"end":2782.04,"confidence":0.982666,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":-0.15108910202980042},{"word":"so","start":2782.18,"end":2782.42,"confidence":0.9970703,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.06531039625406265},{"word":"she","start":2782.42,"end":2782.66,"confidence":1.0,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.08642088621854782},{"word":"has","start":2782.66,"end":2782.9,"confidence":0.99316406,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.12718698382377625},{"word":"managed","start":2782.9,"end":2783.3,"confidence":1.0,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":-0.05275698006153107},{"word":"to","start":2783.3,"end":2783.8,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03483261168003082},{"word":"move","start":2784.02,"end":2784.34,"confidence":1.0,"punctuated_word":"move","sentiment":"neutral","sentiment_score":-0.041731975972652435},{"word":"with","start":2784.34,"end":2784.58,"confidence":1.0,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.023385874927043915},{"word":"the","start":2784.58,"end":2784.74,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.035438843071460724},{"word":"times","start":2784.74,"end":2785.06,"confidence":0.7849121,"punctuated_word":"times,","sentiment":"neutral","sentiment_score":-0.03404920920729637},{"word":"but","start":2785.06,"end":2785.3,"confidence":0.99365234,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":-0.06838057935237885},{"word":"you","start":2785.3,"end":2785.38,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05722177401185036},{"word":"know","start":2785.38,"end":2785.6199,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.057929228991270065},{"word":"when","start":2785.6199,"end":2785.8599,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.043138377368450165},{"word":"she","start":2785.8599,"end":2786.02,"confidence":1.0,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.06177950277924538},{"word":"was","start":2786.02,"end":2786.34,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.043953798711299896},{"word":"doing","start":2786.34,"end":2786.66,"confidence":1.0,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.030520975589752197},{"word":"transfers","start":2786.66,"end":2787.16,"confidence":0.9892578,"punctuated_word":"transfers","sentiment":"neutral","sentiment_score":-0.06632149964570999},{"word":"where","start":2787.22,"end":2787.46,"confidence":0.9140625,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.05555930733680725},{"word":"she'd","start":2787.46,"end":2787.7,"confidence":0.9177246,"punctuated_word":"she'd","sentiment":"neutral","sentiment_score":-0.09957776963710784},{"word":"wake","start":2787.7,"end":2787.94,"confidence":1.0,"punctuated_word":"wake","sentiment":"neutral","sentiment_score":-0.16490349173545835},{"word":"up","start":2787.94,"end":2788.02,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.16867752373218536},{"word":"in","start":2788.02,"end":2788.18,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.15869644284248352},{"word":"the","start":2788.18,"end":2788.26,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19240212440490723},{"word":"middle","start":2788.26,"end":2788.5,"confidence":1.0,"punctuated_word":"middle","sentiment":"neutral","sentiment_score":-0.21981623768806455},{"word":"of","start":2788.5,"end":2788.58,"confidence":0.98535156,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1648649275302887},{"word":"the","start":2788.58,"end":2788.66,"confidence":0.98095703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1680096685886383},{"word":"night","start":2788.66,"end":2788.82,"confidence":1.0,"punctuated_word":"night","sentiment":"neutral","sentiment_score":-0.16106681525707245},{"word":"and","start":2788.82,"end":2788.98,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1490417867898941},{"word":"have","start":2788.98,"end":2789.14,"confidence":0.9707031,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1400349736213684},{"word":"to","start":2789.14,"end":2789.22,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13896140456199646},{"word":"go","start":2789.22,"end":2789.38,"confidence":1.0,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.13798603415489197},{"word":"and","start":2789.38,"end":2789.54,"confidence":0.9892578,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.10030753910541534},{"word":"pick","start":2789.54,"end":2789.7,"confidence":0.9970703,"punctuated_word":"pick","sentiment":"neutral","sentiment_score":-0.15917396545410156},{"word":"up","start":2789.7,"end":2789.8599,"confidence":0.99902344,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.12098710238933565},{"word":"a","start":2789.8599,"end":2789.94,"confidence":0.97509766,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07778729498386383},{"word":"body","start":2789.94,"end":2790.44,"confidence":0.9448242,"punctuated_word":"body,","sentiment":"neutral","sentiment_score":-0.09173722565174104},{"word":"and","start":2790.7449,"end":2790.905,"confidence":0.6333008,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.01874147728085518},{"word":"she","start":2790.905,"end":2791.065,"confidence":0.9980469,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.029647309333086017},{"word":"said","start":2791.065,"end":2791.2249,"confidence":0.8149414,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.013652434572577477},{"word":"yes","start":2791.2249,"end":2791.545,"confidence":0.88378906,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":-0.012878311797976494},{"word":"yes","start":2791.545,"end":2791.785,"confidence":0.92163086,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.0451415479183197},{"word":"you've","start":2791.785,"end":2792.105,"confidence":0.97631836,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":-0.253656268119812},{"word":"got","start":2792.105,"end":2792.265,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.2110904157161713},{"word":"two","start":2792.265,"end":2792.425,"confidence":0.99902344,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.1736006140708923},{"word":"people","start":2792.425,"end":2792.7449,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.23289278149604797},{"word":"working","start":2792.7449,"end":2793.145,"confidence":0.90722656,"punctuated_word":"working,","sentiment":"neutral","sentiment_score":-0.23089255392551425},{"word":"but","start":2793.145,"end":2793.385,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.2155938297510147},{"word":"she","start":2793.385,"end":2793.545,"confidence":0.984375,"punctuated_word":"she","sentiment":"negative","sentiment_score":-0.4004905223846435},{"word":"said","start":2793.545,"end":2794.025,"confidence":0.8359375,"punctuated_word":"said,","sentiment":"negative","sentiment_score":-0.4362066388130188},{"word":"my","start":2794.025,"end":2794.265,"confidence":0.93408203,"punctuated_word":"my","sentiment":"negative","sentiment_score":-0.6176937222480774},{"word":"back's","start":2794.265,"end":2794.585,"confidence":0.7932129,"punctuated_word":"back's","sentiment":"negative","sentiment_score":-0.6182090044021606},{"word":"just","start":2794.585,"end":2794.7449,"confidence":0.9838867,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.7486469745635986},{"word":"killing","start":2794.7449,"end":2795.145,"confidence":0.99902344,"punctuated_word":"killing","sentiment":"negative","sentiment_score":-0.740261435508728},{"word":"me","start":2795.145,"end":2795.4648,"confidence":0.99560547,"punctuated_word":"me.","sentiment":"negative","sentiment_score":-0.5376313924789429},{"word":"yeah","start":2795.4648,"end":2795.625,"confidence":0.9707031,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.25102394819259644},{"word":"and","start":2795.625,"end":2795.785,"confidence":0.9863281,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.29146477580070496},{"word":"she's","start":2795.785,"end":2796.185,"confidence":0.97143555,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":-0.3246994614601135},{"word":"she's","start":2796.185,"end":2796.505,"confidence":0.9995117,"punctuated_word":"she's","sentiment":"negative","sentiment_score":-0.3793717324733734},{"word":"always","start":2796.505,"end":2796.7449,"confidence":1.0,"punctuated_word":"always","sentiment":"negative","sentiment_score":-0.37049245834350586},{"word":"had","start":2796.7449,"end":2797.065,"confidence":1.0,"punctuated_word":"had","sentiment":"negative","sentiment_score":-0.4248027503490448},{"word":"terrible","start":2797.065,"end":2797.4648,"confidence":0.9941406,"punctuated_word":"terrible","sentiment":"negative","sentiment_score":-0.569408655166626},{"word":"back","start":2797.4648,"end":2797.625,"confidence":1.0,"punctuated_word":"back","sentiment":"negative","sentiment_score":-0.5011584758758545},{"word":"problems","start":2797.625,"end":2798.025,"confidence":0.88012695,"punctuated_word":"problems.","sentiment":"negative","sentiment_score":-0.40261033177375793},{"word":"so","start":2798.025,"end":2798.425,"confidence":0.97802734,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.17694330215454102},{"word":"she's","start":2798.425,"end":2798.585,"confidence":0.9082031,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":-0.2007066905498505},{"word":"been","start":2798.585,"end":2798.825,"confidence":0.9921875,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.16144829988479614},{"word":"lucky","start":2798.825,"end":2799.2249,"confidence":1.0,"punctuated_word":"lucky","sentiment":"neutral","sentiment_score":-0.16148605942726135},{"word":"though","start":2799.2249,"end":2799.4648,"confidence":0.51464844,"punctuated_word":"though","sentiment":"neutral","sentiment_score":-0.0550336018204689},{"word":"that","start":2799.4648,"end":2799.625,"confidence":0.95703125,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.052284687757492065},{"word":"she's","start":2799.625,"end":2799.785,"confidence":0.9802246,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":-0.06693500280380249},{"word":"now","start":2799.785,"end":2800.285,"confidence":0.99902344,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.0782058835029602},{"word":"transitioned","start":2800.505,"end":2800.9849,"confidence":0.9902344,"punctuated_word":"transitioned","sentiment":"neutral","sentiment_score":-0.047632526606321335},{"word":"to","start":2800.9849,"end":2801.2249,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04754381999373436},{"word":"just","start":2801.2249,"end":2801.385,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06135810539126396},{"word":"sitting","start":2801.385,"end":2801.705,"confidence":1.0,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.07358595728874207},{"word":"at","start":2801.705,"end":2801.865,"confidence":0.9863281,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.11387182027101515},{"word":"a","start":2801.865,"end":2802.025,"confidence":0.9667969,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08418753743171692},{"word":"desk","start":2802.025,"end":2802.425,"confidence":0.8083496,"punctuated_word":"desk,","sentiment":"neutral","sentiment_score":-0.06306450068950653},{"word":"taking","start":2802.425,"end":2802.825,"confidence":1.0,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.0952065736055374},{"word":"phone","start":2802.825,"end":2803.145,"confidence":1.0,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":-0.08618329465389252},{"word":"calls","start":2803.145,"end":2803.545,"confidence":0.88842773,"punctuated_word":"calls,","sentiment":"neutral","sentiment_score":-0.0718386173248291},{"word":"but","start":2803.545,"end":2804.045,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.03951636329293251},{"word":"she's","start":2804.85,"end":2805.09,"confidence":0.7988281,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":-0.18994073569774628},{"word":"still","start":2805.09,"end":2805.33,"confidence":1.0,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.2340407222509384},{"word":"got","start":2805.33,"end":2805.57,"confidence":0.94970703,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.22827813029289248},{"word":"a","start":2805.57,"end":2805.6501,"confidence":0.8100586,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.18105050921440125},{"word":"time","start":2805.6501,"end":2805.9702,"confidence":0.9970703,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.16204993426799774},{"word":"made","start":2805.9702,"end":2806.29,"confidence":0.32373047,"punctuated_word":"made","sentiment":"neutral","sentiment_score":-0.1666516363620758},{"word":"the","start":2806.29,"end":2806.37,"confidence":0.8852539,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.20420300960540771},{"word":"last","start":2806.37,"end":2806.61,"confidence":1.0,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.16984225809574127},{"word":"two","start":2806.61,"end":2806.85,"confidence":0.6015625,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.17179827392101288},{"word":"years","start":2806.85,"end":2807.01,"confidence":0.9909668,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.1719077229499817},{"word":"it's","start":2807.01,"end":2807.1702,"confidence":0.9975586,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.23398813605308533},{"word":"a","start":2807.1702,"end":2807.25,"confidence":0.9326172,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2252732515335083},{"word":"long","start":2807.25,"end":2807.49,"confidence":1.0,"punctuated_word":"long","sentiment":"neutral","sentiment_score":-0.23701363801956177},{"word":"time","start":2807.49,"end":2807.7302,"confidence":0.9785156,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":-0.23322877287864685},{"word":"isn't","start":2807.7302,"end":2807.9702,"confidence":0.9951172,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.21933358907699585},{"word":"it","start":2807.9702,"end":2808.05,"confidence":0.9682617,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.19836515188217163},{"word":"before","start":2808.05,"end":2808.29,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.2501409351825714},{"word":"you","start":2808.29,"end":2808.4502,"confidence":0.6298828,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2361575663089752},{"word":"can","start":2808.4502,"end":2808.61,"confidence":0.99902344,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.22010350227355957},{"word":"access","start":2808.61,"end":2808.9302,"confidence":1.0,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.2715734541416168},{"word":"a","start":2808.9302,"end":2809.09,"confidence":0.5625,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2080446034669876},{"word":"pension","start":2809.09,"end":2809.59,"confidence":0.82910156,"punctuated_word":"pension?","sentiment":"neutral","sentiment_score":-0.18380045890808103},{"word":"you","start":2809.7302,"end":2809.9702,"confidence":0.9951172,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.13919541239738464},{"word":"know","start":2809.9702,"end":2810.1301,"confidence":0.9165039,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":-0.10664591193199158},{"word":"and","start":2810.1301,"end":2810.29,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.09539370238780975},{"word":"her","start":2810.29,"end":2810.4502,"confidence":1.0,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.07830210775136948},{"word":"husband's","start":2810.4502,"end":2810.9502,"confidence":0.861084,"punctuated_word":"husband's","sentiment":"neutral","sentiment_score":-0.10104990005493164},{"word":"her","start":2811.09,"end":2811.4102,"confidence":0.9921875,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.053094398230314255},{"word":"husband's","start":2811.4102,"end":2811.9102,"confidence":0.98999023,"punctuated_word":"husband's","sentiment":"neutral","sentiment_score":-0.07013536244630814},{"word":"13","start":2811.9702,"end":2812.4502,"confidence":0.99316406,"punctuated_word":"13","sentiment":"neutral","sentiment_score":-0.04914315789937973},{"word":"years","start":2812.4502,"end":2812.77,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.11559221148490906},{"word":"older","start":2812.77,"end":2813.1702,"confidence":0.9921875,"punctuated_word":"older","sentiment":"neutral","sentiment_score":-0.13621146976947784},{"word":"than","start":2813.1702,"end":2813.4102,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.16940228641033173},{"word":"her","start":2813.4102,"end":2813.9102,"confidence":0.8679199,"punctuated_word":"her,","sentiment":"neutral","sentiment_score":-0.1402193158864975},{"word":"so","start":2813.9702,"end":2814.29,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.1266045123338699},{"word":"he's","start":2814.29,"end":2814.61,"confidence":0.99902344,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":-0.11519035696983336},{"word":"been","start":2814.61,"end":2814.9302,"confidence":0.9819336,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.14412164688110352},{"word":"on","start":2814.9302,"end":2815.09,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.190372034907341},{"word":"a","start":2815.09,"end":2815.1702,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.144510880112648},{"word":"pension","start":2815.1702,"end":2815.6702,"confidence":0.75512695,"punctuated_word":"pension.","sentiment":"neutral","sentiment_score":-0.15575402975082395},{"word":"and","start":2816.29,"end":2816.53,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.18054673075675964},{"word":"then","start":2816.53,"end":2816.85,"confidence":0.99609375,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.1482379585504532},{"word":"and","start":2817.01,"end":2817.51,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.16253936290740967},{"word":"and","start":2817.7302,"end":2817.9702,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.17530198395252228},{"word":"yeah","start":2819.2449,"end":2819.4849,"confidence":0.96191406,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.19521456956863403},{"word":"she's","start":2819.4849,"end":2819.9849,"confidence":0.99902344,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":-0.2670639157295227},{"word":"she's","start":2820.045,"end":2820.525,"confidence":0.99658203,"punctuated_word":"she's","sentiment":"negative","sentiment_score":-0.3486173748970032},{"word":"battling","start":2820.525,"end":2821.025,"confidence":0.9440918,"punctuated_word":"battling.","sentiment":"negative","sentiment_score":-0.3582223057746887},{"word":"so","start":2822.045,"end":2822.205,"confidence":0.99609375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1781022995710373},{"word":"i","start":2822.205,"end":2822.285,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1888255923986435},{"word":"can","start":2822.285,"end":2822.445,"confidence":0.9970703,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.1489415019750595},{"word":"imagine","start":2822.445,"end":2822.925,"confidence":1.0,"punctuated_word":"imagine","sentiment":"neutral","sentiment_score":-0.2625344693660736},{"word":"if","start":2822.925,"end":2823.165,"confidence":0.9316406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.2636565566062927},{"word":"your","start":2823.165,"end":2823.325,"confidence":0.9863281,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.26728442311286926},{"word":"mom's","start":2823.325,"end":2823.805,"confidence":0.96191406,"punctuated_word":"mom's","sentiment":"neutral","sentiment_score":-0.25402504205703735},{"word":"in","start":2823.805,"end":2824.045,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2341298609972},{"word":"aged","start":2824.045,"end":2824.445,"confidence":0.921875,"punctuated_word":"aged","sentiment":"neutral","sentiment_score":-0.250191330909729},{"word":"care","start":2824.445,"end":2824.925,"confidence":0.79589844,"punctuated_word":"care.","sentiment":"neutral","sentiment_score":-0.2253195196390152},{"word":"my","start":2824.925,"end":2825.2449,"confidence":0.99121094,"punctuated_word":"My","sentiment":"negative","sentiment_score":-0.47438597679138184},{"word":"god","start":2825.2449,"end":2825.7449,"confidence":0.9719238,"punctuated_word":"god.","sentiment":"negative","sentiment_score":-0.37222784757614136},{"word":"yeah","start":2825.9648,"end":2826.4648,"confidence":0.99853516,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.22559833526611328},{"word":"hard","start":2827.645,"end":2827.805,"confidence":0.47705078,"punctuated_word":"Hard","sentiment":"negative","sentiment_score":-0.5545602440834045},{"word":"work","start":2827.805,"end":2828.305,"confidence":0.9875488,"punctuated_word":"work.","sentiment":"negative","sentiment_score":-0.6497793197631836},{"word":"yep","start":2846.0051,"end":2846.5051,"confidence":0.8852539,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1139875277876854},{"word":"yeah","start":2846.8052,"end":2847.3052,"confidence":0.83325195,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03640665486454964},{"word":"yep","start":2851.845,"end":2852.345,"confidence":0.9555664,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0922074168920517},{"word":"yep","start":2869.9402,"end":2870.4402,"confidence":0.79003906,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03718751668930054},{"word":"how","start":2870.5,"end":2870.74,"confidence":0.77246094,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.002294819802045822},{"word":"does","start":2870.74,"end":2870.98,"confidence":0.9941406,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.011884858831763268},{"word":"it","start":2870.98,"end":2871.1401,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0031032785773277283},{"word":"get","start":2871.1401,"end":2871.3,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.013446684926748276},{"word":"on","start":2871.3,"end":2871.46,"confidence":0.79907227,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":-0.009342052042484283},{"word":"though","start":2871.46,"end":2871.7,"confidence":0.99853516,"punctuated_word":"though?","sentiment":"neutral","sentiment_score":-0.010027465410530567},{"word":"i","start":2871.7,"end":2871.78,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1156889796257019},{"word":"thought","start":2871.78,"end":2872.02,"confidence":1.0,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":-0.15146192908287048},{"word":"i","start":2872.02,"end":2872.1,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.19982948899269104},{"word":"would","start":2872.1,"end":2872.26,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.1953907012939453},{"word":"not","start":2872.26,"end":2872.4202,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.17226506769657135},{"word":"be","start":2872.4202,"end":2872.58,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.15091928839683533},{"word":"eligible","start":2872.58,"end":2873.08,"confidence":1.0,"punctuated_word":"eligible","sentiment":"neutral","sentiment_score":-0.13543148338794708},{"word":"while","start":2873.1401,"end":2873.3801,"confidence":0.9980469,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.1673402488231659},{"word":"peter","start":2873.3801,"end":2873.745,"confidence":0.9970703,"punctuated_word":"Peter","sentiment":"neutral","sentiment_score":-0.0986005887389183},{"word":"was","start":2876.5452,"end":2876.8652,"confidence":0.95166016,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.13294166326522827},{"word":"still","start":2876.8652,"end":2877.185,"confidence":0.99902344,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.12533485889434814},{"word":"working","start":2877.185,"end":2877.5051,"confidence":0.9526367,"punctuated_word":"working.","sentiment":"neutral","sentiment_score":-0.1201806664466858},{"word":"not","start":2877.5051,"end":2877.8252,"confidence":0.99121094,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.1478734314441681},{"word":"at","start":2877.8252,"end":2878.145,"confidence":1.0,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1733846366405487},{"word":"all","start":2878.145,"end":2878.465,"confidence":0.9995117,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":-0.1295255720615387},{"word":"yeah","start":2878.465,"end":2878.965,"confidence":0.97143555,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06973464787006378},{"word":"yep","start":2884.625,"end":2885.125,"confidence":0.7607422,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.014069441705942154},{"word":"mhmm","start":2888.18,"end":2888.68,"confidence":0.94104004,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.004423629492521286},{"word":"okay","start":2892.0999,"end":2892.5999,"confidence":0.97143555,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.00841404777020216},{"word":"of","start":2892.98,"end":2893.2998,"confidence":0.8125,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":-0.00899733230471611},{"word":"course","start":2893.2998,"end":2893.7998,"confidence":0.9980469,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":-0.0002671554684638977},{"word":"yep","start":2903.935,"end":2904.435,"confidence":0.96655273,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.0015311831375584006},{"word":"yeah","start":2906.895,"end":2907.2952,"confidence":0.9472656,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.023163480684161183},{"word":"yep","start":2907.2952,"end":2907.7952,"confidence":0.81884766,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.030773282051086422},{"word":"mhmm","start":2913.055,"end":2913.555,"confidence":0.998291,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0025749383494257927},{"word":"yep","start":2914.415,"end":2914.915,"confidence":0.7800293,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05564475804567337},{"word":"yep","start":2918.47,"end":2918.97,"confidence":0.99316406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.057623982429504395},{"word":"yep","start":2922.63,"end":2923.13,"confidence":0.94262695,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04011408612132072},{"word":"the","start":2923.51,"end":2923.75,"confidence":0.9902344,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.01403902843594551},{"word":"trick","start":2923.75,"end":2924.15,"confidence":0.9716797,"punctuated_word":"trick","sentiment":"neutral","sentiment_score":0.031729426234960556},{"word":"the","start":2924.15,"end":2924.39,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.011347517371177672},{"word":"trick","start":2924.39,"end":2924.63,"confidence":0.9980469,"punctuated_word":"trick","sentiment":"neutral","sentiment_score":0.0016540773212909698},{"word":"will","start":2924.63,"end":2924.79,"confidence":0.9892578,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.01709054410457611},{"word":"be","start":2924.79,"end":2924.95,"confidence":0.99609375,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.006248883903026581},{"word":"this","start":2924.95,"end":2925.27,"confidence":0.39013672,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.00706920400261879},{"word":"not","start":2925.27,"end":2925.51,"confidence":0.5410156,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.012190502136945724},{"word":"to","start":2925.51,"end":2925.5898,"confidence":0.9873047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.013453900814056396},{"word":"have","start":2925.5898,"end":2925.8298,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.020466048270463943},{"word":"any","start":2925.8298,"end":2926.23,"confidence":0.99902344,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.040176499634981155},{"word":"assets","start":2926.23,"end":2926.55,"confidence":0.9941406,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":-0.03450973704457283},{"word":"other","start":2926.55,"end":2926.8699,"confidence":0.98828125,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.034392911940813065},{"word":"than","start":2926.8699,"end":2927.1099,"confidence":0.9980469,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.032430145889520645},{"word":"your","start":2927.1099,"end":2927.27,"confidence":0.9404297,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.011799409985542296},{"word":"house","start":2927.27,"end":2927.5898,"confidence":0.73828125,"punctuated_word":"house,","sentiment":"neutral","sentiment_score":-0.009407782927155496},{"word":"say","start":2927.5898,"end":2927.91,"confidence":0.57592773,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.01290958933532238},{"word":"by","start":2927.91,"end":2928.0698,"confidence":1.0,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.0082659050822258},{"word":"the","start":2928.0698,"end":2928.15,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.006772447377443314},{"word":"time","start":2928.15,"end":2928.39,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.00009761005640029909},{"word":"you","start":2928.39,"end":2928.63,"confidence":0.99609375,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0002802051603794098},{"word":"retire","start":2928.63,"end":2929.13,"confidence":0.7697754,"punctuated_word":"retire.","sentiment":"neutral","sentiment_score":-0.014263708144426346},{"word":"really","start":2929.5898,"end":2930.0698,"confidence":0.7949219,"punctuated_word":"Really?","sentiment":"neutral","sentiment_score":-0.005505131557583809},{"word":"essentially","start":2930.0698,"end":2930.5698,"confidence":0.38720703,"punctuated_word":"Essentially?","sentiment":"neutral","sentiment_score":-0.015805423259735107},{"word":"okay","start":2937.995,"end":2938.495,"confidence":0.99853516,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.034129925072193146},{"word":"okay","start":2944.955,"end":2945.435,"confidence":0.9941406,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.13978135585784912},{"word":"cool","start":2945.435,"end":2945.935,"confidence":0.9970703,"punctuated_word":"Cool.","sentiment":"neutral","sentiment_score":0.2798815965652466},{"word":"righto","start":2945.995,"end":2946.495,"confidence":0.8986003,"punctuated_word":"Righto.","sentiment":"neutral","sentiment_score":0.25944212079048157},{"word":"good","start":2947.14,"end":2947.64,"confidence":0.99316406,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.4671283066272736},{"word":"to","start":2948.3665,"end":2948.8665,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2882404625415802},{"word":"know","start":2949.5933,"end":2950.0933,"confidence":1.0,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.11198917776346208},{"word":"yeah","start":2950.8198,"end":2951.3198,"confidence":0.8474121,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.4030181169509888},{"word":"give","start":2956.26,"end":2956.5,"confidence":0.91845703,"punctuated_word":"Give","sentiment":"positive","sentiment_score":0.376672089099884},{"word":"the","start":2956.5,"end":2956.74,"confidence":0.55126953,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26071760058403015},{"word":"most","start":2956.74,"end":2957.24,"confidence":0.875,"punctuated_word":"most.","sentiment":"neutral","sentiment_score":0.2784072756767273},{"word":"because","start":2958.5,"end":2958.74,"confidence":0.97998047,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.09760452806949615},{"word":"that","start":2958.74,"end":2958.9,"confidence":0.99316406,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12969473004341123},{"word":"is","start":2958.9,"end":2959.0598,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08323387056589127},{"word":"another","start":2959.0598,"end":2959.38,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.06144857779145241},{"word":"thing","start":2959.38,"end":2959.5398,"confidence":1.0,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.06835395097732544},{"word":"that","start":2959.5398,"end":2959.7,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04651201516389847},{"word":"i","start":2959.7,"end":2959.8599,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07276146113872528},{"word":"found","start":2959.8599,"end":2960.0999,"confidence":0.96875,"punctuated_word":"found","sentiment":"neutral","sentiment_score":0.08179229497909546},{"word":"of","start":2960.0999,"end":2960.3398,"confidence":0.5371094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.053672004491090775},{"word":"veronica","start":2960.3398,"end":2960.8398,"confidence":0.9733887,"punctuated_word":"Veronica,","sentiment":"neutral","sentiment_score":0.06827065348625183},{"word":"my","start":2961.14,"end":2961.38,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.05900958552956581},{"word":"sister","start":2961.38,"end":2961.88,"confidence":0.94018555,"punctuated_word":"sister,","sentiment":"neutral","sentiment_score":0.06818559765815735},{"word":"the","start":2962.1948,"end":2962.355,"confidence":0.9902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0699242427945137},{"word":"one","start":2962.355,"end":2962.795,"confidence":0.99902344,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.07730714976787567},{"word":"who","start":2962.795,"end":2963.2349,"confidence":0.9902344,"punctuated_word":"who","sentiment":"neutral","sentiment_score":0.07110447436571121},{"word":"just","start":2963.2349,"end":2963.395,"confidence":0.69091797,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09243547916412354},{"word":"sold","start":2963.395,"end":2963.7148,"confidence":0.99902344,"punctuated_word":"sold","sentiment":"neutral","sentiment_score":0.05829963833093643},{"word":"her","start":2963.7148,"end":2963.9548,"confidence":1.0,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.05491466075181961},{"word":"business","start":2963.9548,"end":2964.355,"confidence":1.0,"punctuated_word":"business","sentiment":"neutral","sentiment_score":0.0718240812420845},{"word":"and","start":2964.355,"end":2964.515,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10167263448238371},{"word":"everything","start":2964.515,"end":2965.015,"confidence":0.9746094,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":0.08938051760196686},{"word":"i","start":2965.315,"end":2965.555,"confidence":0.625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08023976534605026},{"word":"always","start":2965.555,"end":2965.795,"confidence":0.99902344,"punctuated_word":"always","sentiment":"neutral","sentiment_score":-0.07783083617687225},{"word":"thought","start":2965.795,"end":2966.035,"confidence":0.9970703,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":-0.09627512097358704},{"word":"that","start":2966.035,"end":2966.275,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.12434818595647812},{"word":"she","start":2966.275,"end":2966.355,"confidence":0.9970703,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.09602987766265868},{"word":"had","start":2966.355,"end":2966.595,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.11902749538421632},{"word":"no","start":2966.595,"end":2967.075,"confidence":0.97509766,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.1342330127954483},{"word":"super","start":2967.075,"end":2967.4749,"confidence":0.97216797,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":-0.10645957291126253},{"word":"she","start":2967.4749,"end":2967.635,"confidence":0.9980469,"punctuated_word":"She","sentiment":"neutral","sentiment_score":-0.08935611695051193},{"word":"said","start":2967.635,"end":2967.875,"confidence":0.83325195,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.06645157933235168},{"word":"no","start":2967.875,"end":2968.035,"confidence":0.97802734,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.1194293648004532},{"word":"no","start":2968.035,"end":2968.4348,"confidence":0.99902344,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07597994804382324},{"word":"we","start":2968.4348,"end":2968.6748,"confidence":0.99902344,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.006882011890411377},{"word":"do","start":2968.6748,"end":2968.9148,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.04689403623342514},{"word":"have","start":2968.9148,"end":2969.2349,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.005691789090633392},{"word":"super","start":2969.2349,"end":2969.555,"confidence":0.99609375,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":-0.000574503093957901},{"word":"it's","start":2969.555,"end":2969.795,"confidence":1.0,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.010454635135829449},{"word":"not","start":2969.795,"end":2970.035,"confidence":1.0,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.020066946744918823},{"word":"much","start":2970.035,"end":2970.355,"confidence":0.9682617,"punctuated_word":"much,","sentiment":"neutral","sentiment_score":-0.022929619997739792},{"word":"but","start":2970.355,"end":2970.515,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.01123405247926712},{"word":"we","start":2970.515,"end":2970.6748,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.00535130500793457},{"word":"do","start":2970.6748,"end":2970.835,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.053103238344192505},{"word":"have","start":2970.835,"end":2970.9949,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.02006327360868454},{"word":"a","start":2970.9949,"end":2971.155,"confidence":0.6191406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.009192310273647308},{"word":"super","start":2971.155,"end":2971.4749,"confidence":0.99609375,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.05376843363046646},{"word":"fund","start":2971.4749,"end":2971.9548,"confidence":0.92993164,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.026044514030218124},{"word":"i","start":2971.9548,"end":2972.115,"confidence":0.9707031,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.038220684975385666},{"word":"said","start":2972.115,"end":2972.275,"confidence":0.9921875,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.03972721844911575},{"word":"oh","start":2972.275,"end":2972.515,"confidence":0.9946289,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.08492259681224823},{"word":"okay","start":2972.515,"end":2972.755,"confidence":0.9995117,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.0857992172241211},{"word":"well","start":2972.755,"end":2972.9148,"confidence":0.9946289,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.19748455286026},{"word":"that's","start":2972.9148,"end":2973.155,"confidence":0.86865234,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.28153473138809204},{"word":"that","start":2973.2349,"end":2973.395,"confidence":0.86572266,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2978475093841553},{"word":"is","start":2973.395,"end":2973.635,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.26399585604667664},{"word":"good","start":2973.635,"end":2973.875,"confidence":1.0,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.2799493074417114},{"word":"to","start":2973.875,"end":2973.9548,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2631324827671051},{"word":"know","start":2973.9548,"end":2974.1948,"confidence":1.0,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.2530866265296936},{"word":"because","start":2974.1948,"end":2974.6948,"confidence":0.91308594,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":0.11493758857250214},{"word":"yeah","start":2975.07,"end":2975.3901,"confidence":0.98706055,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.1441745162010193},{"word":"it","start":2975.3901,"end":2975.71,"confidence":0.50683594,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.18215224146842957},{"word":"might","start":2975.71,"end":2975.87,"confidence":0.9970703,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.14440162479877472},{"word":"give","start":2975.87,"end":2976.11,"confidence":0.9941406,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.14804963767528534},{"word":"you","start":2976.11,"end":2976.1902,"confidence":0.9667969,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14327554404735565},{"word":"something","start":2976.1902,"end":2976.4302,"confidence":1.0,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.13523663580417633},{"word":"more","start":2976.4302,"end":2976.6702,"confidence":1.0,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.1437833309173584},{"word":"to","start":2976.6702,"end":2976.75,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1631743460893631},{"word":"work","start":2976.75,"end":2976.9102,"confidence":1.0,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.19795890152454376},{"word":"with","start":2976.9102,"end":2977.1501,"confidence":0.9970703,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2021709382534027},{"word":"if","start":2977.1501,"end":2977.31,"confidence":0.9194336,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.15151244401931763},{"word":"ever","start":2977.31,"end":2977.55,"confidence":0.99609375,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.18102699518203735},{"word":"i","start":2977.55,"end":2977.6301,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14744025468826294},{"word":"can","start":2977.6301,"end":2977.79,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16049440205097198},{"word":"convince","start":2977.79,"end":2978.1902,"confidence":1.0,"punctuated_word":"convince","sentiment":"neutral","sentiment_score":0.09698732197284698},{"word":"her","start":2978.1902,"end":2978.51,"confidence":0.9970703,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.06703336536884308},{"word":"to","start":2978.51,"end":2978.6702,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08640545606613159},{"word":"talk","start":2978.6702,"end":2978.99,"confidence":0.99902344,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.07707034051418304},{"word":"to","start":2978.99,"end":2979.24,"confidence":0.99121094,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06749282777309418},{"word":"you","start":2979.24,"end":2979.74,"confidence":0.98876953,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.06003810092806816},{"word":"yeah","start":2992.9749,"end":2993.4749,"confidence":0.89697266,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.040235940366983414},{"word":"okay","start":2993.535,"end":2993.9348,"confidence":0.99121094,"punctuated_word":"Okay","sentiment":"neutral","sentiment_score":0.047987453639507294},{"word":"then","start":2993.9348,"end":2994.255,"confidence":0.9404297,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":0.05826159566640854},{"word":"yes","start":2994.255,"end":2994.755,"confidence":0.5866699,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.20662027597427368},{"word":"alright","start":2996.6548,"end":2997.1548,"confidence":0.99658203,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.14630916714668274},{"word":"we","start":3017.52,"end":3017.76,"confidence":0.98291016,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.049033839255571365},{"word":"had","start":3017.76,"end":3018.08,"confidence":0.9790039,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.070593923330307},{"word":"just","start":3018.08,"end":3018.32,"confidence":0.7651367,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.07585684955120087},{"word":"had","start":3018.32,"end":3018.4802,"confidence":0.99316406,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.08606282621622086},{"word":"a","start":3018.4802,"end":3018.56,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09418263286352158},{"word":"small","start":3018.56,"end":3019.06,"confidence":1.0,"punctuated_word":"small","sentiment":"neutral","sentiment_score":-0.110441692173481},{"word":"chat","start":3019.415,"end":3019.575,"confidence":0.99902344,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":-0.09501546621322632},{"word":"recently","start":3019.575,"end":3020.075,"confidence":1.0,"punctuated_word":"recently","sentiment":"neutral","sentiment_score":-0.10333646833896636},{"word":"about","start":3020.375,"end":3020.875,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.1206514537334442},{"word":"life","start":3023.255,"end":3023.655,"confidence":0.92822266,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.10232268273830414},{"word":"insurance","start":3023.655,"end":3024.155,"confidence":0.99560547,"punctuated_word":"insurance.","sentiment":"neutral","sentiment_score":-0.10833777487277985},{"word":"we","start":3024.215,"end":3024.455,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.1162271723151207},{"word":"were","start":3024.455,"end":3024.615,"confidence":0.9951172,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.1467042863368988},{"word":"starting","start":3024.615,"end":3024.935,"confidence":0.9941406,"punctuated_word":"starting","sentiment":"neutral","sentiment_score":-0.2019222378730774},{"word":"to","start":3024.935,"end":3025.015,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.19444146752357483},{"word":"wonder","start":3025.015,"end":3025.335,"confidence":0.9951172,"punctuated_word":"wonder","sentiment":"neutral","sentiment_score":-0.19882391393184665},{"word":"whether","start":3025.335,"end":3025.575,"confidence":0.9970703,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.2325942665338516},{"word":"we","start":3025.575,"end":3025.815,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.2032773494720459},{"word":"should","start":3025.815,"end":3026.215,"confidence":1.0,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.22010554373264313},{"word":"stop","start":3026.215,"end":3026.535,"confidence":1.0,"punctuated_word":"stop","sentiment":"neutral","sentiment_score":-0.16532625257968905},{"word":"it","start":3026.535,"end":3026.775,"confidence":0.9951172,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.1705889254808426},{"word":"what's","start":3026.775,"end":3027.015,"confidence":0.9995117,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":-0.033517397940158844},{"word":"your","start":3027.015,"end":3027.335,"confidence":0.99902344,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.018399300053715702},{"word":"views","start":3027.335,"end":3027.575,"confidence":0.99316406,"punctuated_word":"views","sentiment":"neutral","sentiment_score":-0.0757535770535469},{"word":"on","start":3027.575,"end":3027.7349,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.03040934167802334},{"word":"that","start":3027.7349,"end":3028.2349,"confidence":0.9995117,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.02532493695616722},{"word":"yep","start":3037.1,"end":3037.4202,"confidence":0.89746094,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.047765590250492096},{"word":"still","start":3037.4202,"end":3037.6602,"confidence":0.81640625,"punctuated_word":"Still","sentiment":"neutral","sentiment_score":-0.07394342869520187},{"word":"got","start":3037.6602,"end":3037.9001,"confidence":0.9482422,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.0945594757795334},{"word":"that","start":3037.9001,"end":3038.4001,"confidence":0.9926758,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.07344688475131989},{"word":"yep","start":3040.54,"end":3041.04,"confidence":0.8708496,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.032825518399477005},{"word":"later","start":3054.345,"end":3054.825,"confidence":0.43945312,"punctuated_word":"Later","sentiment":"neutral","sentiment_score":-0.0105808824300766},{"word":"on","start":3054.825,"end":3055.325,"confidence":0.93481445,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.014557043090462685},{"word":"it","start":3056.025,"end":3056.265,"confidence":0.7939453,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.027200784534215927},{"word":"would","start":3056.265,"end":3056.585,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.03003308922052383},{"word":"have","start":3056.585,"end":3056.825,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.01899883523583412},{"word":"to","start":3056.825,"end":3056.9849,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.016593532636761665},{"word":"yeah","start":3057.1448,"end":3057.6448,"confidence":0.99658203,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.01655462384223938},{"word":"i","start":3057.9448,"end":3058.105,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.20199215412139893},{"word":"don't","start":3058.105,"end":3058.265,"confidence":0.9975586,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1381147801876068},{"word":"ever","start":3058.265,"end":3058.505,"confidence":0.9301758,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.2078074216842651},{"word":"wanna","start":3058.505,"end":3058.825,"confidence":0.9770508,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.2122034877538681},{"word":"leave","start":3058.825,"end":3059.065,"confidence":0.9819336,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.22391153872013092},{"word":"here","start":3059.065,"end":3059.305,"confidence":1.0,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.11294591426849364},{"word":"because","start":3059.305,"end":3059.545,"confidence":0.8935547,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.018183887004852295},{"word":"we're","start":3059.545,"end":3059.785,"confidence":0.84350586,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.2654341459274292},{"word":"the","start":3059.865,"end":3060.025,"confidence":0.99902344,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3930929899215698},{"word":"area","start":3060.025,"end":3060.265,"confidence":0.9980469,"punctuated_word":"area","sentiment":"positive","sentiment_score":0.602424144744873},{"word":"that","start":3060.265,"end":3060.4248,"confidence":0.98828125,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5179727673530579},{"word":"i","start":3060.4248,"end":3060.585,"confidence":0.98828125,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.44728946685791016},{"word":"live","start":3060.585,"end":3060.7449,"confidence":0.9921875,"punctuated_word":"live","sentiment":"positive","sentiment_score":0.47401756048202515},{"word":"is","start":3060.7449,"end":3060.9849,"confidence":0.9892578,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6540557146072388},{"word":"just","start":3060.9849,"end":3061.1448,"confidence":0.98535156,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.6166830062866211},{"word":"beautiful","start":3061.1448,"end":3061.625,"confidence":0.8222656,"punctuated_word":"beautiful,","sentiment":"positive","sentiment_score":0.5128988027572632},{"word":"and","start":3061.625,"end":3061.865,"confidence":0.99902344,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3999418318271637},{"word":"we","start":3061.865,"end":3062.025,"confidence":0.9980469,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4465786218643189},{"word":"have","start":3062.025,"end":3062.1848,"confidence":1.0,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5484201908111572},{"word":"a","start":3062.1848,"end":3062.265,"confidence":1.0,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5196702480316162},{"word":"lot","start":3062.265,"end":3062.505,"confidence":1.0,"punctuated_word":"lot","sentiment":"positive","sentiment_score":0.3791269361972809},{"word":"of","start":3062.505,"end":3062.73,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2430337816476822},{"word":"we","start":3062.81,"end":3062.97,"confidence":0.9633789,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.13809269666671753},{"word":"don't","start":3062.97,"end":3063.13,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1342431902885437},{"word":"have","start":3063.13,"end":3063.3699,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.17226642370224},{"word":"close","start":3063.3699,"end":3063.77,"confidence":0.98291016,"punctuated_word":"close","sentiment":"neutral","sentiment_score":-0.20587898790836337},{"word":"neighbors","start":3063.77,"end":3064.17,"confidence":0.99121094,"punctuated_word":"neighbors","sentiment":"neutral","sentiment_score":-0.20941027998924255},{"word":"because","start":3064.17,"end":3064.49,"confidence":0.9873047,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.1498463898897171},{"word":"of","start":3064.49,"end":3064.73,"confidence":0.78515625,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2028900384902954},{"word":"two","start":3064.73,"end":3064.97,"confidence":0.99316406,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.1804894059896469},{"word":"and","start":3064.97,"end":3065.13,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.17037923634052277},{"word":"a","start":3065.13,"end":3065.21,"confidence":0.96972656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.17067283391952515},{"word":"half","start":3065.21,"end":3065.45,"confidence":1.0,"punctuated_word":"half","sentiment":"neutral","sentiment_score":-0.15833337604999542},{"word":"acres","start":3065.45,"end":3065.93,"confidence":0.9157715,"punctuated_word":"acres.","sentiment":"neutral","sentiment_score":-0.10339768975973128},{"word":"but","start":3065.93,"end":3066.43,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.1445833444595337},{"word":"it's","start":3066.57,"end":3066.81,"confidence":0.9875488,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.17357245087623596},{"word":"a","start":3066.81,"end":3066.97,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.24784475564956665},{"word":"six","start":3066.97,"end":3067.21,"confidence":1.0,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.26323792338371277},{"word":"bedroom","start":3067.21,"end":3067.69,"confidence":0.875,"punctuated_word":"bedroom,","sentiment":"neutral","sentiment_score":-0.16558219492435455},{"word":"three","start":3067.69,"end":3067.93,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.24189996719360352},{"word":"bathroom","start":3067.93,"end":3068.41,"confidence":1.0,"punctuated_word":"bathroom","sentiment":"neutral","sentiment_score":-0.1889464110136032},{"word":"house","start":3068.41,"end":3068.73,"confidence":0.9748535,"punctuated_word":"house,","sentiment":"neutral","sentiment_score":-0.1947758048772812},{"word":"and","start":3068.73,"end":3068.89,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2849999964237213},{"word":"i","start":3068.89,"end":3068.97,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.433479905128479},{"word":"can't","start":3068.97,"end":3069.21,"confidence":1.0,"punctuated_word":"can't","sentiment":"negative","sentiment_score":-0.34639060497283936},{"word":"look","start":3069.21,"end":3069.45,"confidence":0.99902344,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.28292739391326904},{"word":"after","start":3069.45,"end":3069.69,"confidence":0.9838867,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.31165069341659546},{"word":"it","start":3069.69,"end":3069.85,"confidence":0.99902344,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.3613295555114746},{"word":"now","start":3069.85,"end":3070.17,"confidence":0.9926758,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.05984519422054291},{"word":"so","start":3070.17,"end":3070.41,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.05535959452390671},{"word":"by","start":3070.41,"end":3070.57,"confidence":0.9970703,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.0686001405119896},{"word":"the","start":3070.57,"end":3070.73,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05187094584107399},{"word":"time","start":3070.73,"end":3070.97,"confidence":1.0,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.04364299029111862},{"word":"because","start":3071.05,"end":3071.3699,"confidence":0.99902344,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.09653286635875702},{"word":"i've","start":3071.3699,"end":3071.53,"confidence":0.98706055,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.1270577907562256},{"word":"just","start":3071.53,"end":3071.77,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.08271107822656631},{"word":"moved","start":3071.77,"end":3072.01,"confidence":0.984375,"punctuated_word":"moved","sentiment":"neutral","sentiment_score":-0.053072281181812286},{"word":"veronica","start":3072.01,"end":3072.41,"confidence":0.8359375,"punctuated_word":"Veronica","sentiment":"neutral","sentiment_score":-0.06686127930879593},{"word":"and","start":3072.41,"end":3072.65,"confidence":0.99316406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.019696615636348724},{"word":"george","start":3072.65,"end":3073.15,"confidence":0.9980469,"punctuated_word":"George","sentiment":"neutral","sentiment_score":-0.008319340646266937},{"word":"and","start":3073.45,"end":3073.6099,"confidence":0.57421875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0003907233476638794},{"word":"they","start":3073.6099,"end":3073.77,"confidence":0.9980469,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.03440627455711365},{"word":"are","start":3073.77,"end":3073.85,"confidence":0.6015625,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.0413430780172348},{"word":"in","start":3073.85,"end":3074.01,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.025601021945476532},{"word":"their","start":3074.01,"end":3074.25,"confidence":0.99316406,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.06571599096059799},{"word":"seventies","start":3074.25,"end":3074.75,"confidence":0.9226888,"punctuated_word":"seventies,","sentiment":"neutral","sentiment_score":-0.07131253182888031},{"word":"veronica's","start":3075.015,"end":3075.515,"confidence":0.8859863,"punctuated_word":"Veronica's","sentiment":"neutral","sentiment_score":-0.18243274092674255},{"word":"ten","start":3075.6548,"end":3075.895,"confidence":0.89453125,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":-0.14648748934268951},{"word":"years","start":3075.895,"end":3076.135,"confidence":0.99902344,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.12847816944122314},{"word":"older","start":3076.135,"end":3076.375,"confidence":0.95703125,"punctuated_word":"older","sentiment":"neutral","sentiment_score":-0.16172461211681366},{"word":"than","start":3076.375,"end":3076.615,"confidence":1.0,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.162787064909935},{"word":"me","start":3076.615,"end":3076.9348,"confidence":0.7729492,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":-0.1850510686635971},{"word":"i","start":3076.9348,"end":3077.095,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.26395121216773987},{"word":"said","start":3077.095,"end":3077.4148,"confidence":1.0,"punctuated_word":"said","sentiment":"neutral","sentiment_score":-0.2597084045410156},{"word":"to","start":3077.4148,"end":3077.4949,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.34018847346305847},{"word":"her","start":3077.4949,"end":3077.815,"confidence":0.9838867,"punctuated_word":"her,","sentiment":"neutral","sentiment_score":-0.3055296540260315},{"word":"god","start":3077.815,"end":3078.135,"confidence":0.8063965,"punctuated_word":"god.","sentiment":"negative","sentiment_score":-0.4381856322288513},{"word":"i","start":3078.135,"end":3078.2148,"confidence":1.0,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.5392596125602722},{"word":"don't","start":3078.2148,"end":3078.4548,"confidence":1.0,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.50407475233078},{"word":"wanna","start":3078.4548,"end":3078.6948,"confidence":0.9838867,"punctuated_word":"wanna","sentiment":"negative","sentiment_score":-0.4670291543006897},{"word":"be","start":3078.6948,"end":3078.855,"confidence":0.9951172,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.4410720467567444},{"word":"doing","start":3078.855,"end":3079.095,"confidence":1.0,"punctuated_word":"doing","sentiment":"negative","sentiment_score":-0.4472931921482086},{"word":"this","start":3079.095,"end":3079.335,"confidence":1.0,"punctuated_word":"this","sentiment":"negative","sentiment_score":-0.39112088084220886},{"word":"in","start":3079.335,"end":3079.4949,"confidence":0.99902344,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.36105459928512573},{"word":"ten","start":3079.4949,"end":3079.7349,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":-0.3115766644477844},{"word":"years","start":3079.7349,"end":3080.2349,"confidence":0.95458984,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.221308171749115},{"word":"but","start":3080.6948,"end":3080.9348,"confidence":0.94970703,"punctuated_word":"But","sentiment":"negative","sentiment_score":-0.42641541361808777},{"word":"it's","start":3080.9348,"end":3081.095,"confidence":1.0,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.6258386373519897},{"word":"a","start":3081.095,"end":3081.1748,"confidence":0.9970703,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.6652300357818604},{"word":"terrible","start":3081.1748,"end":3081.6548,"confidence":1.0,"punctuated_word":"terrible","sentiment":"negative","sentiment_score":-0.7546416521072388},{"word":"thought","start":3081.6548,"end":3081.9749,"confidence":0.9951172,"punctuated_word":"thought","sentiment":"negative","sentiment_score":-0.7181302309036255},{"word":"that","start":3081.9749,"end":3082.135,"confidence":1.0,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.6972543597221375},{"word":"you","start":3082.135,"end":3082.295,"confidence":1.0,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.6670920252799988},{"word":"have","start":3082.295,"end":3082.4548,"confidence":0.99902344,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.7069504261016846},{"word":"to","start":3082.4548,"end":3082.535,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.71217942237854},{"word":"leave","start":3082.535,"end":3082.775,"confidence":0.99902344,"punctuated_word":"leave","sentiment":"negative","sentiment_score":-0.6823455095291138},{"word":"the","start":3082.775,"end":3082.9348,"confidence":0.99902344,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.5855628252029419},{"word":"house","start":3082.9348,"end":3083.1748,"confidence":1.0,"punctuated_word":"house","sentiment":"negative","sentiment_score":-0.40407776832580566},{"word":"that","start":3083.1748,"end":3083.335,"confidence":1.0,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.559697687625885},{"word":"you","start":3083.335,"end":3083.4949,"confidence":1.0,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.5712437033653259},{"word":"really","start":3083.4949,"end":3083.7349,"confidence":1.0,"punctuated_word":"really","sentiment":"negative","sentiment_score":-0.471152126789093},{"word":"love","start":3083.7349,"end":3084.055,"confidence":0.984375,"punctuated_word":"love","sentiment":"neutral","sentiment_score":-0.230978861451149},{"word":"just","start":3084.055,"end":3084.295,"confidence":0.9980469,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.5420361757278442},{"word":"because","start":3084.295,"end":3084.615,"confidence":1.0,"punctuated_word":"because","sentiment":"negative","sentiment_score":-0.5108062624931335},{"word":"it's","start":3084.615,"end":3084.855,"confidence":1.0,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.648259162902832},{"word":"big","start":3084.855,"end":3085.355,"confidence":0.95703125,"punctuated_word":"big.","sentiment":"negative","sentiment_score":-0.5571213364601135},{"word":"you","start":3085.9749,"end":3086.055,"confidence":0.9980469,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.1843755692243576},{"word":"know","start":3086.055,"end":3086.4548,"confidence":0.9921875,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":-0.13474011421203613},{"word":"yep","start":3086.4548,"end":3086.775,"confidence":0.6477051,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.134808748960495},{"word":"so","start":3086.775,"end":3086.855,"confidence":0.98828125,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.22223904728889465},{"word":"i","start":3086.855,"end":3086.9348,"confidence":0.98535156,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.3177371323108673},{"word":"don't","start":3086.9348,"end":3087.1748,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.23213887214660645},{"word":"know","start":3087.1748,"end":3087.335,"confidence":0.9980469,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.20452754199504852},{"word":"whether","start":3087.335,"end":3087.6548,"confidence":0.99609375,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":-0.23914800584316256},{"word":"we","start":3087.6548,"end":3087.815,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.24936841428279877},{"word":"just","start":3087.815,"end":3088.055,"confidence":0.87841797,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.24945029616355896},{"word":"close","start":3088.055,"end":3088.375,"confidence":0.6166992,"punctuated_word":"close","sentiment":"neutral","sentiment_score":-0.20422054827213287},{"word":"off","start":3088.375,"end":3088.615,"confidence":0.90771484,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.24019107222557068},{"word":"rooms","start":3088.615,"end":3089.015,"confidence":0.99609375,"punctuated_word":"rooms","sentiment":"neutral","sentiment_score":-0.286708801984787},{"word":"and","start":3089.015,"end":3089.335,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.3179604709148407},{"word":"don't","start":3089.335,"end":3089.575,"confidence":0.9941406,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.3436325490474701},{"word":"venture","start":3089.575,"end":3089.9749,"confidence":0.99902344,"punctuated_word":"venture","sentiment":"neutral","sentiment_score":-0.30473753809928894},{"word":"into","start":3089.9749,"end":3090.2148,"confidence":0.99902344,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.300957053899765},{"word":"it","start":3090.2148,"end":3090.48,"confidence":0.96191406,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.29839980602264404},{"word":"and","start":3092.48,"end":3092.56,"confidence":0.99609375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.07115119695663452},{"word":"and","start":3092.56,"end":3092.72,"confidence":0.7451172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06830236315727234},{"word":"karl","start":3092.72,"end":3093.2,"confidence":0.44140625,"punctuated_word":"Karl,","sentiment":"neutral","sentiment_score":-0.11623740941286088},{"word":"that's","start":3093.2,"end":3093.44,"confidence":0.99902344,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.10194884240627287},{"word":"what","start":3093.44,"end":3093.6,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.15998400747776031},{"word":"we","start":3093.6,"end":3093.68,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.13865050673484802},{"word":"gotta","start":3093.68,"end":3093.92,"confidence":0.9375,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":-0.17342600226402283},{"word":"do","start":3093.92,"end":3094.4,"confidence":0.9082031,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":-0.10787798464298248},{"word":"karl","start":3094.4,"end":3094.72,"confidence":0.99902344,"punctuated_word":"Karl","sentiment":"neutral","sentiment_score":-0.04033711552619934},{"word":"karl","start":3094.72,"end":3095.1199,"confidence":0.8359375,"punctuated_word":"Karl","sentiment":"neutral","sentiment_score":-0.047290779650211334},{"word":"karl","start":3095.1199,"end":3095.28,"confidence":0.9980469,"punctuated_word":"Karl","sentiment":"neutral","sentiment_score":-0.05706007033586502},{"word":"karl","start":3095.28,"end":3095.78,"confidence":0.6826172,"punctuated_word":"Karl.","sentiment":"neutral","sentiment_score":-0.07407036423683167},{"word":"because","start":3096.24,"end":3096.56,"confidence":0.9667969,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.1824207603931427},{"word":"when","start":3096.56,"end":3096.72,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.214503675699234},{"word":"you","start":3096.72,"end":3096.88,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2454252541065216},{"word":"see","start":3096.88,"end":3097.1199,"confidence":0.9951172,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.19744116067886353},{"word":"people","start":3097.1199,"end":3097.3599,"confidence":1.0,"punctuated_word":"people","sentiment":"neutral","sentiment_score":-0.19869109988212583},{"word":"when","start":3097.44,"end":3097.68,"confidence":0.99902344,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.17291198670864105},{"word":"i","start":3097.68,"end":3098.0,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2207556813955307},{"word":"was","start":3098.0,"end":3098.24,"confidence":0.99902344,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.18561626970767975},{"word":"packing","start":3098.24,"end":3098.64,"confidence":0.9863281,"punctuated_word":"packing","sentiment":"neutral","sentiment_score":-0.19141940772533417},{"word":"for","start":3098.64,"end":3098.96,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.20670245587825775},{"word":"veronica","start":3098.96,"end":3099.46,"confidence":0.99316406,"punctuated_word":"Veronica,","sentiment":"neutral","sentiment_score":-0.1867050975561142},{"word":"i","start":3100.0,"end":3100.16,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.27665936946868896},{"word":"just","start":3100.16,"end":3100.56,"confidence":0.9309082,"punctuated_word":"just,","sentiment":"neutral","sentiment_score":-0.3145778179168701},{"word":"you","start":3100.56,"end":3100.64,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.3182400166988373},{"word":"know","start":3100.64,"end":3100.88,"confidence":0.9951172,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.29224470257759094},{"word":"i","start":3100.88,"end":3101.04,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.3024170994758606},{"word":"just","start":3101.04,"end":3101.2,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.3268272876739502},{"word":"thought","start":3101.2,"end":3101.44,"confidence":0.9284668,"punctuated_word":"thought,","sentiment":"neutral","sentiment_score":-0.2549450397491455},{"word":"oh","start":3101.44,"end":3101.52,"confidence":0.93896484,"punctuated_word":"oh,","sentiment":"negative","sentiment_score":-0.3634645938873291},{"word":"i","start":3101.52,"end":3101.68,"confidence":0.99902344,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.46982765197753906},{"word":"don't","start":3101.68,"end":3101.92,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.4692820012569427},{"word":"wanna","start":3101.92,"end":3102.16,"confidence":0.9819336,"punctuated_word":"wanna","sentiment":"negative","sentiment_score":-0.46526557207107544},{"word":"be","start":3102.16,"end":3102.32,"confidence":0.9980469,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.4825071096420288},{"word":"doing","start":3102.32,"end":3102.56,"confidence":1.0,"punctuated_word":"doing","sentiment":"negative","sentiment_score":-0.49166175723075867},{"word":"this","start":3102.56,"end":3102.8,"confidence":0.77490234,"punctuated_word":"this.","sentiment":"negative","sentiment_score":-0.4154484272003174},{"word":"like","start":3102.8,"end":3103.04,"confidence":0.92749023,"punctuated_word":"Like,","sentiment":"negative","sentiment_score":-0.3468097448348999},{"word":"packing","start":3103.04,"end":3103.44,"confidence":0.9970703,"punctuated_word":"packing","sentiment":"negative","sentiment_score":-0.4217100739479065},{"word":"drawers","start":3103.44,"end":3103.76,"confidence":0.9885254,"punctuated_word":"drawers","sentiment":"negative","sentiment_score":-0.4165542125701904},{"word":"and","start":3103.76,"end":3103.92,"confidence":0.99121094,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.4150981903076172},{"word":"drawers","start":3103.92,"end":3104.32,"confidence":0.98706055,"punctuated_word":"drawers","sentiment":"negative","sentiment_score":-0.3982138037681579},{"word":"of","start":3104.32,"end":3104.48,"confidence":0.921875,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.44678795337677},{"word":"shit","start":3104.48,"end":3104.98,"confidence":0.81689453,"punctuated_word":"shit.","sentiment":"negative","sentiment_score":-0.4393385052680969},{"word":"because","start":3106.5552,"end":3107.0352,"confidence":0.99121094,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.18244881927967072},{"word":"you","start":3107.0352,"end":3107.195,"confidence":0.875,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2512250244617462},{"word":"really","start":3107.195,"end":3107.5151,"confidence":0.96875,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.2893569767475128},{"word":"don't","start":3107.5151,"end":3108.0151,"confidence":0.876709,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.3054187297821045},{"word":"you","start":3108.235,"end":3108.3152,"confidence":0.74316406,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.34034472703933716},{"word":"really","start":3108.3152,"end":3108.635,"confidence":0.9980469,"punctuated_word":"really","sentiment":"negative","sentiment_score":-0.37756791710853577},{"word":"you","start":3108.635,"end":3108.875,"confidence":0.98095703,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.36255964636802673},{"word":"really","start":3108.875,"end":3109.115,"confidence":1.0,"punctuated_word":"really","sentiment":"negative","sentiment_score":-0.3999196887016296},{"word":"don't","start":3109.115,"end":3109.355,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.3460199236869812},{"word":"need","start":3109.355,"end":3109.5151,"confidence":0.9980469,"punctuated_word":"need","sentiment":"negative","sentiment_score":-0.3689441382884979},{"word":"it","start":3109.5151,"end":3109.995,"confidence":0.7290039,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.3157680332660675},{"word":"and","start":3109.995,"end":3110.155,"confidence":0.5839844,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.1888972967863083},{"word":"i","start":3110.155,"end":3110.3152,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.18873029947280884},{"word":"was","start":3110.3152,"end":3110.475,"confidence":0.9970703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.18016554415225983},{"word":"just","start":3110.475,"end":3110.635,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1861802488565445},{"word":"thinking","start":3110.635,"end":3111.135,"confidence":0.98999023,"punctuated_word":"thinking,","sentiment":"neutral","sentiment_score":-0.09514252096414566},{"word":"oh","start":3111.195,"end":3111.355,"confidence":0.96899414,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.14000055193901062},{"word":"i","start":3111.355,"end":3111.595,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.14602284133434296},{"word":"i","start":3111.595,"end":3111.675,"confidence":0.61035156,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.14624042809009552},{"word":"just","start":3111.675,"end":3111.915,"confidence":0.9980469,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.15392842888832092},{"word":"need","start":3111.915,"end":3112.075,"confidence":0.98828125,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.1928093433380127},{"word":"to","start":3112.075,"end":3112.3152,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.18157628178596497},{"word":"start","start":3112.3152,"end":3112.5552,"confidence":0.9970703,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.17928870022296906},{"word":"calling","start":3112.5552,"end":3112.875,"confidence":0.8276367,"punctuated_word":"calling","sentiment":"neutral","sentiment_score":-0.13461677730083466},{"word":"now","start":3112.875,"end":3113.195,"confidence":0.99902344,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.15616583824157715},{"word":"so","start":3113.195,"end":3113.355,"confidence":0.94970703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.14374932646751404},{"word":"that","start":3113.355,"end":3113.595,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1437421888113022},{"word":"all","start":3113.595,"end":3113.7551,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.13983753323554993},{"word":"my","start":3113.7551,"end":3114.2551,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.12875904142856598},{"word":"cupboards","start":3114.395,"end":3114.895,"confidence":0.9873047,"punctuated_word":"cupboards","sentiment":"neutral","sentiment_score":-0.10262705385684968},{"word":"in","start":3115.115,"end":3115.2751,"confidence":0.9902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.05555630475282669},{"word":"the","start":3115.2751,"end":3115.435,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07066885381937027},{"word":"house","start":3115.435,"end":3115.915,"confidence":1.0,"punctuated_word":"house","sentiment":"neutral","sentiment_score":-0.09065847098827362},{"word":"and","start":3115.915,"end":3116.415,"confidence":0.970459,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":-0.11102916300296783},{"word":"you","start":3116.715,"end":3116.875,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.11703571677207948},{"word":"know","start":3116.875,"end":3117.115,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.11181566119194032},{"word":"the","start":3117.115,"end":3117.355,"confidence":0.98828125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0935329794883728},{"word":"the","start":3117.355,"end":3117.5151,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07973775267601013},{"word":"things","start":3117.5151,"end":3117.835,"confidence":0.9892578,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.07553119957447052},{"word":"you","start":3117.835,"end":3117.995,"confidence":0.99121094,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.061765871942043304},{"word":"have","start":3117.995,"end":3118.155,"confidence":0.99121094,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.055303893983364105},{"word":"your","start":3118.155,"end":3118.3152,"confidence":0.94921875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.09870674461126328},{"word":"tv","start":3118.3152,"end":3118.715,"confidence":0.9970703,"punctuated_word":"TV","sentiment":"neutral","sentiment_score":-0.05082503706216812},{"word":"standing","start":3118.715,"end":3119.0352,"confidence":0.9951172,"punctuated_word":"standing","sentiment":"neutral","sentiment_score":-0.04216580465435982},{"word":"on","start":3119.0352,"end":3119.195,"confidence":0.99902344,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.05856143683195114},{"word":"and","start":3119.195,"end":3119.355,"confidence":0.91845703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.09428668022155762},{"word":"all","start":3119.355,"end":3119.435,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.10154424607753754},{"word":"the","start":3119.435,"end":3119.595,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0918252095580101},{"word":"drawers","start":3119.595,"end":3119.835,"confidence":0.9880371,"punctuated_word":"drawers","sentiment":"neutral","sentiment_score":-0.07563358545303345},{"word":"and","start":3119.835,"end":3119.995,"confidence":0.9838867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08601676672697067},{"word":"cupboards","start":3119.995,"end":3120.3152,"confidence":0.88720703,"punctuated_word":"cupboards","sentiment":"neutral","sentiment_score":-0.08676116168498993},{"word":"and","start":3120.3152,"end":3120.395,"confidence":0.9194336,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.09800774604082108},{"word":"everything","start":3120.395,"end":3120.72,"confidence":0.97998047,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.14319799840450287},{"word":"have","start":3120.8,"end":3121.04,"confidence":0.9951172,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.15322662889957428},{"word":"nothing","start":3121.04,"end":3121.54,"confidence":1.0,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":-0.17789776623249054},{"word":"in","start":3123.44,"end":3123.5999,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0703611671924591},{"word":"it","start":3123.5999,"end":3123.92,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.05899469181895256},{"word":"instead","start":3123.92,"end":3124.24,"confidence":0.4128418,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":-0.10677121579647064},{"word":"of","start":3124.24,"end":3124.4,"confidence":0.99902344,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.14419934153556824},{"word":"all","start":3124.4,"end":3124.56,"confidence":0.99902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.24261754751205444},{"word":"the","start":3124.56,"end":3124.72,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.24461975693702695},{"word":"shit","start":3124.72,"end":3124.88,"confidence":0.9873047,"punctuated_word":"shit","sentiment":"negative","sentiment_score":-0.3511185646057129},{"word":"that","start":3124.88,"end":3125.04,"confidence":0.99902344,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.3475342392921448},{"word":"you","start":3125.04,"end":3125.28,"confidence":0.99902344,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.3849053680896759},{"word":"accumulate","start":3125.28,"end":3125.76,"confidence":0.921875,"punctuated_word":"accumulate","sentiment":"negative","sentiment_score":-0.4228649139404297},{"word":"and","start":3125.76,"end":3126.0,"confidence":0.8442383,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2948604226112366},{"word":"you","start":3126.0,"end":3126.08,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.3076970875263214},{"word":"don't","start":3126.08,"end":3126.32,"confidence":0.99902344,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.22923223674297333},{"word":"ever","start":3126.32,"end":3126.56,"confidence":0.9135742,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.2264416515827179},{"word":"look","start":3126.56,"end":3126.72,"confidence":0.9980469,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.2472158670425415},{"word":"at","start":3126.72,"end":3126.88,"confidence":0.9980469,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.26707422733306885},{"word":"and","start":3126.88,"end":3127.04,"confidence":0.7607422,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.19265088438987732},{"word":"you","start":3127.04,"end":3127.1199,"confidence":0.9980469,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2091958373785019},{"word":"don't","start":3127.1199,"end":3127.6199,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.13897059857845306},{"word":"want","start":3127.84,"end":3128.16,"confidence":1.0,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.19038550555706024},{"word":"or","start":3128.16,"end":3128.32,"confidence":0.97314453,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.18676412105560303},{"word":"need","start":3128.32,"end":3128.56,"confidence":1.0,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.2126427590847015},{"word":"or","start":3128.56,"end":3128.72,"confidence":0.9941406,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.20535680651664737},{"word":"anything","start":3128.72,"end":3129.2,"confidence":1.0,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.2111360877752304},{"word":"like","start":3129.2,"end":3129.3599,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.2539164423942566},{"word":"that","start":3129.3599,"end":3129.5999,"confidence":0.9736328,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.2146661877632141},{"word":"but","start":3129.5999,"end":3130.0999,"confidence":0.9970703,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.03574683144688606},{"word":"i","start":3131.3599,"end":3131.52,"confidence":0.734375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04419380426406861},{"word":"guess","start":3131.52,"end":3131.84,"confidence":0.9980469,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":-0.03189220279455185},{"word":"the","start":3131.84,"end":3132.0,"confidence":0.94970703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02916315197944641},{"word":"reason","start":3132.0,"end":3132.32,"confidence":1.0,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":-0.02389577031135559},{"word":"why","start":3132.32,"end":3132.56,"confidence":1.0,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.024181149899959564},{"word":"we","start":3132.56,"end":3132.72,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.020278044044971463},{"word":"were","start":3132.72,"end":3132.96,"confidence":0.99316406,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.024173393845558167},{"word":"able","start":3132.96,"end":3133.2,"confidence":1.0,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.027997303754091263},{"word":"to","start":3133.2,"end":3133.44,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0013570263981819153},{"word":"refinance","start":3133.44,"end":3133.94,"confidence":1.0,"punctuated_word":"refinance","sentiment":"neutral","sentiment_score":-0.03525802493095398},{"word":"was","start":3134.24,"end":3134.4,"confidence":0.9506836,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.0009505152702331544},{"word":"is","start":3134.4,"end":3134.565,"confidence":0.6870117,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.006302550435066223},{"word":"because","start":3134.7249,"end":3135.045,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.008608028292655945},{"word":"they","start":3135.045,"end":3135.285,"confidence":0.9970703,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.013416841626167296},{"word":"did","start":3135.285,"end":3135.605,"confidence":0.984375,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.0130702406167984},{"word":"ask","start":3135.605,"end":3135.845,"confidence":0.99316406,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":-0.008436925709247589},{"word":"us","start":3135.845,"end":3136.085,"confidence":0.9980469,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.06022816523909569},{"word":"the","start":3136.085,"end":3136.2449,"confidence":0.97314453,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.041321199387311935},{"word":"question","start":3136.2449,"end":3136.7249,"confidence":0.6687012,"punctuated_word":"question.","sentiment":"neutral","sentiment_score":-0.029105832800269127},{"word":"well","start":3136.7249,"end":3137.2249,"confidence":0.9819336,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.0013102665543556211},{"word":"my","start":3137.365,"end":3137.685,"confidence":1.0,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.011071860790252686},{"word":"finance","start":3137.685,"end":3138.185,"confidence":0.99902344,"punctuated_word":"finance","sentiment":"neutral","sentiment_score":-0.018396630883216854},{"word":"broker","start":3138.2449,"end":3138.645,"confidence":0.9970703,"punctuated_word":"broker","sentiment":"neutral","sentiment_score":-0.008311618119478226},{"word":"who","start":3138.645,"end":3138.9648,"confidence":0.6357422,"punctuated_word":"who","sentiment":"neutral","sentiment_score":-0.014917481690645218},{"word":"i","start":3138.9648,"end":3139.125,"confidence":0.99121094,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.010810773819684982},{"word":"went","start":3139.125,"end":3139.365,"confidence":1.0,"punctuated_word":"went","sentiment":"neutral","sentiment_score":-0.016057640314102173},{"word":"through","start":3139.365,"end":3139.525,"confidence":0.9980469,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.026147644966840744},{"word":"to","start":3139.525,"end":3140.025,"confidence":0.9892578,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.020939961075782776},{"word":"get","start":3140.325,"end":3140.4849,"confidence":0.8647461,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.032115206122398376},{"word":"a","start":3140.4849,"end":3140.565,"confidence":0.99316406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.016714612022042274},{"word":"loan","start":3140.565,"end":3141.065,"confidence":0.9099121,"punctuated_word":"loan,","sentiment":"neutral","sentiment_score":-0.014506228268146517},{"word":"he","start":3141.765,"end":3142.2449,"confidence":0.7006836,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.005062020383775234},{"word":"he","start":3142.2449,"end":3142.4849,"confidence":0.97509766,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.007952628657221794},{"word":"said","start":3142.4849,"end":3142.7249,"confidence":0.99902344,"punctuated_word":"said","sentiment":"neutral","sentiment_score":-0.010958690196275713},{"word":"i've","start":3142.7249,"end":3142.9648,"confidence":0.8125,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.02165259979665279},{"word":"put","start":3142.9648,"end":3143.2048,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.03136115148663521},{"word":"it","start":3143.2048,"end":3143.285,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.04589745029807091},{"word":"to","start":3143.285,"end":3143.4448,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03586166724562645},{"word":"them","start":3143.4448,"end":3143.765,"confidence":0.9980469,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.0433235764503479},{"word":"that","start":3143.765,"end":3144.265,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02203492820262909},{"word":"peter's","start":3144.4849,"end":3144.885,"confidence":0.9165039,"punctuated_word":"Peter's","sentiment":"neutral","sentiment_score":-0.0366857573390007},{"word":"gonna","start":3144.885,"end":3145.125,"confidence":0.984375,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.04832623898983002},{"word":"work","start":3145.125,"end":3145.365,"confidence":0.99902344,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.03095124661922455},{"word":"another","start":3145.365,"end":3145.765,"confidence":0.9970703,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.02554110810160637},{"word":"ten","start":3145.765,"end":3146.005,"confidence":1.0,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":-0.0263116005808115},{"word":"years","start":3146.005,"end":3146.505,"confidence":0.8310547,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.014229409396648409},{"word":"and","start":3146.88,"end":3147.1199,"confidence":0.99560547,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":-0.012407375499606133},{"word":"you","start":3147.1199,"end":3147.2,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.025157403200864792},{"word":"know","start":3147.2,"end":3147.5198,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.015146095305681229},{"word":"when","start":3147.5198,"end":3147.76,"confidence":1.0,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.013427764177322388},{"word":"you're","start":3147.76,"end":3148.0,"confidence":0.9946289,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.031579840928316116},{"word":"refinancing","start":3148.0,"end":3148.5,"confidence":0.99902344,"punctuated_word":"refinancing","sentiment":"neutral","sentiment_score":-0.02773543819785118},{"word":"a","start":3148.96,"end":3149.1199,"confidence":0.98095703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.027081403881311417},{"word":"loan","start":3149.1199,"end":3149.5198,"confidence":1.0,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":-0.026237860321998596},{"word":"at","start":3149.5198,"end":3149.76,"confidence":0.9970703,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.04656406491994858},{"word":"the","start":3149.76,"end":3149.8398,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03467824310064316},{"word":"age","start":3149.8398,"end":3150.0798,"confidence":0.9921875,"punctuated_word":"age","sentiment":"neutral","sentiment_score":-0.03414369747042656},{"word":"of","start":3150.0798,"end":3150.3198,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04723000153899193},{"word":"60","start":3150.3198,"end":3150.8198,"confidence":0.99902344,"punctuated_word":"60","sentiment":"neutral","sentiment_score":-0.03796060010790825},{"word":"for","start":3151.5198,"end":3151.76,"confidence":0.97265625,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0291111022233963},{"word":"a","start":3151.76,"end":3151.92,"confidence":0.9243164,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0324411503970623},{"word":"thirty","start":3151.92,"end":3152.24,"confidence":0.99609375,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":-0.02538386732339859},{"word":"year","start":3152.24,"end":3152.5598,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.017142564058303833},{"word":"loan","start":3152.5598,"end":3153.0598,"confidence":0.9946289,"punctuated_word":"loan,","sentiment":"neutral","sentiment_score":-0.01613093912601471},{"word":"they","start":3153.1199,"end":3153.3599,"confidence":1.0,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.00029264017939567566},{"word":"have","start":3153.3599,"end":3153.68,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.008484724909067154},{"word":"to","start":3153.68,"end":3153.8398,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.3032827079296112},{"word":"know","start":3153.8398,"end":3154.3198,"confidence":1.0,"punctuated_word":"know","sentiment":"negative","sentiment_score":-0.41408124566078186},{"word":"you're","start":3154.3198,"end":3154.48,"confidence":0.9970703,"punctuated_word":"you're","sentiment":"negative","sentiment_score":-0.47331878542900085},{"word":"not","start":3154.48,"end":3154.64,"confidence":1.0,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.4927824139595032},{"word":"gonna","start":3154.64,"end":3154.96,"confidence":0.99316406,"punctuated_word":"gonna","sentiment":"negative","sentiment_score":-0.46900033950805664},{"word":"work","start":3154.96,"end":3155.46,"confidence":0.9946289,"punctuated_word":"work.","sentiment":"negative","sentiment_score":-0.42078956961631775},{"word":"so","start":3155.5999,"end":3155.8398,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03846965730190277},{"word":"the","start":3155.8398,"end":3156.0,"confidence":0.68310547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.014997705817222595},{"word":"so","start":3156.24,"end":3156.48,"confidence":0.99902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1263422816991806},{"word":"so","start":3156.48,"end":3156.7998,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.11313871294260024},{"word":"troy","start":3156.7998,"end":3157.2,"confidence":0.9941406,"punctuated_word":"Troy","sentiment":"neutral","sentiment_score":0.08214452862739563},{"word":"sort","start":3157.2,"end":3157.44,"confidence":0.98291016,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.15661050379276276},{"word":"of","start":3157.44,"end":3157.5999,"confidence":0.5180664,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19575679302215576},{"word":"said","start":3157.5999,"end":3157.92,"confidence":0.99658203,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.14284251630306244},{"word":"you","start":3157.92,"end":3158.0798,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11632208526134492},{"word":"know","start":3158.0798,"end":3158.5798,"confidence":0.9975586,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.11506029218435287},{"word":"it's","start":3158.88,"end":3159.2,"confidence":0.9589844,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.1812123656272888},{"word":"it's","start":3159.2,"end":3159.675,"confidence":0.99658203,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.24563096463680267},{"word":"what","start":3159.915,"end":3160.155,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.26925015449523926},{"word":"i'm","start":3160.155,"end":3160.235,"confidence":1.0,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.31461477279663086},{"word":"putting","start":3160.235,"end":3160.715,"confidence":0.9941406,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.30821743607521057},{"word":"towards","start":3160.715,"end":3161.115,"confidence":0.99902344,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.23863251507282257},{"word":"them","start":3161.115,"end":3161.355,"confidence":0.9760742,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.2915855646133423},{"word":"is","start":3161.355,"end":3161.5151,"confidence":0.9560547,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3356291949748993},{"word":"that","start":3161.5151,"end":3161.7551,"confidence":0.9970703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.27712374925613403},{"word":"when","start":3161.7551,"end":3161.995,"confidence":0.97314453,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.2130810022354126},{"word":"you","start":3161.995,"end":3162.235,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17482149600982666},{"word":"retire","start":3162.235,"end":3162.715,"confidence":0.9597168,"punctuated_word":"retire,","sentiment":"neutral","sentiment_score":0.10582391917705536},{"word":"you","start":3162.715,"end":3162.955,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10638447850942612},{"word":"will","start":3162.955,"end":3163.195,"confidence":1.0,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.1500188708305359},{"word":"sell","start":3163.195,"end":3163.695,"confidence":0.74328613,"punctuated_word":"sell,","sentiment":"neutral","sentiment_score":0.101251021027565},{"word":"and","start":3164.075,"end":3164.315,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14174771308898926},{"word":"you","start":3164.315,"end":3164.475,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13981223106384277},{"word":"will","start":3164.475,"end":3164.635,"confidence":0.6640625,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.17317268252372742},{"word":"pay","start":3164.635,"end":3164.875,"confidence":0.9970703,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.09419911354780196},{"word":"off","start":3164.875,"end":3165.0352,"confidence":0.98535156,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.14431795477867126},{"word":"the","start":3165.0352,"end":3165.195,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1879245936870575},{"word":"loan","start":3165.195,"end":3165.435,"confidence":0.79052734,"punctuated_word":"loan,","sentiment":"neutral","sentiment_score":0.16901414096355438},{"word":"and","start":3165.435,"end":3165.595,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.167535200715065},{"word":"you'll","start":3165.595,"end":3165.835,"confidence":0.90234375,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.15588727593421936},{"word":"purchase","start":3165.835,"end":3166.155,"confidence":0.98535156,"punctuated_word":"purchase","sentiment":"neutral","sentiment_score":0.10438427329063416},{"word":"something","start":3166.155,"end":3166.555,"confidence":0.9980469,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.10698823630809784},{"word":"smaller","start":3166.555,"end":3166.955,"confidence":0.97314453,"punctuated_word":"smaller.","sentiment":"neutral","sentiment_score":0.1734173595905304},{"word":"and","start":3166.955,"end":3167.115,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1749788373708725},{"word":"i","start":3167.115,"end":3167.195,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15072104334831238},{"word":"said","start":3167.195,"end":3167.355,"confidence":0.86376953,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.15777172148227692},{"word":"and","start":3167.355,"end":3167.5151,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15621575713157654},{"word":"that","start":3167.5151,"end":3167.595,"confidence":0.9980469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16646239161491394},{"word":"is","start":3167.595,"end":3167.835,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1302977055311203},{"word":"probably","start":3167.835,"end":3168.155,"confidence":0.99609375,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.17515085637569427},{"word":"what","start":3168.155,"end":3168.235,"confidence":0.4482422,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1333528757095337},{"word":"exactly","start":3168.315,"end":3168.715,"confidence":0.99902344,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":0.13438381254673004},{"word":"what's","start":3168.715,"end":3168.955,"confidence":0.9980469,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.12393255531787872},{"word":"gonna","start":3168.955,"end":3169.2751,"confidence":0.9633789,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.163271963596344},{"word":"happen","start":3169.2751,"end":3169.675,"confidence":0.98535156,"punctuated_word":"happen,","sentiment":"neutral","sentiment_score":0.14848467707633972},{"word":"troy","start":3169.675,"end":3170.075,"confidence":0.9863281,"punctuated_word":"Troy.","sentiment":"neutral","sentiment_score":0.1286103129386902},{"word":"that","start":3170.075,"end":3170.315,"confidence":1.0,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.2227923721075058},{"word":"is","start":3170.315,"end":3170.475,"confidence":0.9980469,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1981123089790344},{"word":"probably","start":3170.475,"end":3170.955,"confidence":0.99609375,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.26118242740631104},{"word":"right","start":3170.955,"end":3171.2751,"confidence":0.7441406,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.2741406559944153},{"word":"you","start":3171.2751,"end":3171.5151,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.14680242538452148},{"word":"know","start":3171.5151,"end":3171.675,"confidence":0.9638672,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":0.15285992622375488},{"word":"so","start":3171.675,"end":3171.915,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2126566916704178},{"word":"that","start":3171.915,"end":3172.32,"confidence":0.9951172,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20479530096054077},{"word":"that","start":3172.4001,"end":3172.56,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.22925686836242676},{"word":"is","start":3172.56,"end":3172.8,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.20183593034744263},{"word":"what","start":3172.8,"end":3173.12,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.25352588295936584},{"word":"the","start":3173.12,"end":3173.28,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27838271856307983},{"word":"future","start":3173.28,"end":3173.6,"confidence":1.0,"punctuated_word":"future","sentiment":"neutral","sentiment_score":0.22396837174892423},{"word":"looks","start":3173.6,"end":3173.9202,"confidence":1.0,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.19904330372810364},{"word":"like","start":3173.9202,"end":3174.08,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.2596668601036072},{"word":"that","start":3174.08,"end":3174.4001,"confidence":0.4807129,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2878260016441345},{"word":"if","start":3174.4001,"end":3174.56,"confidence":0.99316406,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2505824863910675},{"word":"we","start":3174.56,"end":3174.72,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13887251913547516},{"word":"don't","start":3174.72,"end":3174.8801,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.13565243780612946},{"word":"get","start":3174.8801,"end":3175.3801,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.03534756600856781},{"word":"the","start":3175.6,"end":3175.76,"confidence":0.9921875,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.009845331311225893},{"word":"house","start":3175.76,"end":3176.0,"confidence":0.98291016,"punctuated_word":"house","sentiment":"neutral","sentiment_score":-0.03033950924873352},{"word":"paid","start":3176.0,"end":3176.24,"confidence":0.99902344,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.07109178602695465},{"word":"off","start":3176.24,"end":3176.48,"confidence":0.99902344,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.02327616512775421},{"word":"before","start":3176.48,"end":3176.8801,"confidence":1.0,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.09496703743934631},{"word":"we","start":3176.8801,"end":3177.12,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.0030888617038726807},{"word":"retire","start":3177.12,"end":3177.6,"confidence":0.9321289,"punctuated_word":"retire,","sentiment":"neutral","sentiment_score":0.06081819161772728},{"word":"then","start":3177.6,"end":3177.9202,"confidence":0.9970703,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.20262375473976135},{"word":"that","start":3177.9202,"end":3178.08,"confidence":0.9404297,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.12759937345981598},{"word":"of","start":3178.08,"end":3178.24,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1803983896970749},{"word":"course","start":3178.24,"end":3178.48,"confidence":0.9995117,"punctuated_word":"course,","sentiment":"neutral","sentiment_score":0.15218780934810638},{"word":"is","start":3178.48,"end":3178.72,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10864224284887314},{"word":"exactly","start":3178.72,"end":3179.04,"confidence":1.0,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":0.1362418234348297},{"word":"what","start":3179.04,"end":3179.2,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.04765431582927704},{"word":"we","start":3179.2,"end":3179.36,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.09321969747543336},{"word":"would","start":3179.36,"end":3179.6,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.05264562368392944},{"word":"have","start":3179.6,"end":3179.76,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.14699804782867432},{"word":"to","start":3179.76,"end":3179.84,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11984990537166595},{"word":"do","start":3179.84,"end":3180.34,"confidence":1.0,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.0938427746295929},{"word":"yeah","start":3182.56,"end":3183.06,"confidence":0.99658203,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.3081856966018677},{"word":"yeah","start":3187.6,"end":3188.1,"confidence":0.96118164,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.329913854598999},{"word":"yeah","start":3197.155,"end":3197.635,"confidence":0.8959961,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.3153318762779236},{"word":"yep","start":3197.635,"end":3198.135,"confidence":0.9316406,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2634781002998352},{"word":"they","start":3205.59,"end":3205.99,"confidence":0.9658203,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.0260886512696743},{"word":"are","start":3205.99,"end":3206.3901,"confidence":0.99560547,"punctuated_word":"are.","sentiment":"neutral","sentiment_score":-0.03310838341712952},{"word":"yep","start":3206.3901,"end":3206.8901,"confidence":0.9641113,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.000772045343182981},{"word":"yep","start":3209.27,"end":3209.77,"confidence":0.95751953,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.0608116090297699},{"word":"and","start":3210.1501,"end":3210.47,"confidence":0.99609375,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.012038640677928925},{"word":"and","start":3210.47,"end":3210.6301,"confidence":0.99609375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.009663593024015428},{"word":"that","start":3210.6301,"end":3210.87,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.012990184128284454},{"word":"must","start":3210.87,"end":3211.19,"confidence":0.9970703,"punctuated_word":"must","sentiment":"neutral","sentiment_score":-0.0778522938489914},{"word":"that","start":3211.19,"end":3211.4302,"confidence":0.91845703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05850701779127121},{"word":"must","start":3211.4302,"end":3211.6702,"confidence":1.0,"punctuated_word":"must","sentiment":"neutral","sentiment_score":-0.07057694345712662},{"word":"have","start":3211.6702,"end":3211.83,"confidence":0.9428711,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.07418341934680939},{"word":"all","start":3211.83,"end":3212.07,"confidence":0.9980469,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.0660155862569809},{"word":"been","start":3212.07,"end":3212.23,"confidence":0.99609375,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.07591655850410461},{"word":"put","start":3212.23,"end":3212.47,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.08382618427276611},{"word":"to","start":3212.47,"end":3212.55,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08786911517381668},{"word":"them","start":3212.55,"end":3212.79,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.08603009581565857},{"word":"because","start":3212.79,"end":3213.165,"confidence":0.92089844,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.07707619667053223},{"word":"troy","start":3213.245,"end":3213.485,"confidence":0.9633789,"punctuated_word":"Troy","sentiment":"neutral","sentiment_score":-0.09934363514184952},{"word":"came","start":3213.485,"end":3213.645,"confidence":0.98535156,"punctuated_word":"came","sentiment":"neutral","sentiment_score":-0.15302981436252594},{"word":"back","start":3213.645,"end":3213.885,"confidence":0.99902344,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.12611337006092072},{"word":"and","start":3213.885,"end":3214.045,"confidence":0.9980469,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.13008424639701843},{"word":"said","start":3214.045,"end":3214.2852,"confidence":0.98168945,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.09334659576416016},{"word":"oh","start":3214.2852,"end":3214.445,"confidence":0.95825195,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.11991466581821442},{"word":"look","start":3214.445,"end":3214.605,"confidence":0.8984375,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":-0.09546051174402236},{"word":"i","start":3214.605,"end":3214.7651,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.16994470357894895},{"word":"just","start":3214.7651,"end":3214.925,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1928389072418213},{"word":"told","start":3214.925,"end":3215.085,"confidence":0.99902344,"punctuated_word":"told","sentiment":"neutral","sentiment_score":-0.2009548991918564},{"word":"them","start":3215.085,"end":3215.325,"confidence":0.98828125,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.15815089643001556},{"word":"that","start":3215.325,"end":3215.485,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.15955771505832672},{"word":"you","start":3215.485,"end":3215.645,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.23566442728042605},{"word":"have","start":3215.645,"end":3215.885,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.2401028275489807},{"word":"no","start":3215.885,"end":3216.125,"confidence":1.0,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.28963086009025574},{"word":"intentions","start":3216.125,"end":3216.625,"confidence":0.82373047,"punctuated_word":"intentions","sentiment":"neutral","sentiment_score":-0.23462440073490143},{"word":"of","start":3217.085,"end":3217.325,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.26213181018829346},{"word":"being","start":3217.325,"end":3217.645,"confidence":1.0,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.2287023812532425},{"word":"in","start":3217.645,"end":3217.805,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.28481099009513855},{"word":"this","start":3217.805,"end":3218.045,"confidence":0.9291992,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.29874205589294434},{"word":"six","start":3218.045,"end":3218.445,"confidence":0.99902344,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.22665995359420776},{"word":"bedroom","start":3218.445,"end":3218.925,"confidence":0.9362793,"punctuated_word":"bedroom,","sentiment":"neutral","sentiment_score":-0.12633180618286133},{"word":"three","start":3218.925,"end":3219.165,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.11443758755922318},{"word":"bathroom","start":3219.165,"end":3219.665,"confidence":0.99902344,"punctuated_word":"bathroom","sentiment":"neutral","sentiment_score":-0.115298792719841},{"word":"house","start":3219.725,"end":3220.045,"confidence":0.9980469,"punctuated_word":"house","sentiment":"neutral","sentiment_score":-0.1570960283279419},{"word":"in","start":3220.045,"end":3220.2852,"confidence":0.9980469,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.20811936259269712},{"word":"ten","start":3220.2852,"end":3220.5251,"confidence":0.99316406,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":-0.2324281930923462},{"word":"years'","start":3220.5251,"end":3220.845,"confidence":0.76049805,"punctuated_word":"years'","sentiment":"neutral","sentiment_score":-0.1981750875711441},{"word":"time","start":3220.845,"end":3221.345,"confidence":0.9770508,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.14438757300376892},{"word":"and","start":3221.565,"end":3221.725,"confidence":0.7836914,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.1358223855495453},{"word":"but","start":3221.805,"end":3222.045,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.1583825647830963},{"word":"you","start":3222.045,"end":3222.125,"confidence":0.61816406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.21993356943130493},{"word":"know","start":3222.125,"end":3222.365,"confidence":0.9580078,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.23987843096256256},{"word":"the","start":3222.365,"end":3222.5251,"confidence":0.7788086,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.28539615869522095},{"word":"sad","start":3222.5251,"end":3222.7651,"confidence":0.9921875,"punctuated_word":"sad","sentiment":"neutral","sentiment_score":-0.3234361410140991},{"word":"thing","start":3222.7651,"end":3223.0051,"confidence":0.9890137,"punctuated_word":"thing,","sentiment":"negative","sentiment_score":-0.3548806309700012},{"word":"dana","start":3223.0051,"end":3223.405,"confidence":0.795166,"punctuated_word":"Dana,","sentiment":"negative","sentiment_score":-0.3577946424484253},{"word":"is","start":3223.405,"end":3223.565,"confidence":0.99902344,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.4031667113304138},{"word":"that","start":3223.565,"end":3224.045,"confidence":0.9902344,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.3677079975605011},{"word":"our","start":3224.045,"end":3224.2852,"confidence":0.92089844,"punctuated_word":"our","sentiment":"negative","sentiment_score":-0.3432876467704773},{"word":"our","start":3224.2852,"end":3224.445,"confidence":0.6513672,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.2905385196208954},{"word":"insurance","start":3224.445,"end":3224.925,"confidence":0.9970703,"punctuated_word":"insurance","sentiment":"negative","sentiment_score":-0.3482341170310974},{"word":"is","start":3224.925,"end":3225.165,"confidence":1.0,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.31862062215805054},{"word":"500","start":3225.165,"end":3225.725,"confidence":1.0,"punctuated_word":"500","sentiment":"neutral","sentiment_score":-0.2681829333305359},{"word":"a","start":3225.725,"end":3225.885,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.24778063595294952},{"word":"month","start":3225.885,"end":3226.385,"confidence":0.8664551,"punctuated_word":"month.","sentiment":"neutral","sentiment_score":-0.2593070864677429},{"word":"that's","start":3226.605,"end":3226.89,"confidence":0.87475586,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.28500643372535706},{"word":"the","start":3227.0498,"end":3227.13,"confidence":0.42211914,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.3050169050693512},{"word":"because","start":3227.21,"end":3227.71,"confidence":0.89501953,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.21190190315246585},{"word":"of","start":3227.93,"end":3228.0898,"confidence":0.6875,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.25164851546287537},{"word":"how","start":3228.0898,"end":3228.25,"confidence":0.99902344,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.17814256250858307},{"word":"much","start":3228.25,"end":3228.5698,"confidence":1.0,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.18713979423046112},{"word":"our","start":3228.5698,"end":3228.73,"confidence":0.3239746,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.2176646888256073},{"word":"house","start":3228.73,"end":3229.0498,"confidence":0.86279297,"punctuated_word":"house","sentiment":"neutral","sentiment_score":-0.2386445254087448},{"word":"is","start":3229.0498,"end":3229.21,"confidence":0.8520508,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2275574207305908},{"word":"insured","start":3229.21,"end":3229.6099,"confidence":0.9951172,"punctuated_word":"insured","sentiment":"neutral","sentiment_score":-0.2078022658824921},{"word":"for","start":3229.6099,"end":3230.1099,"confidence":0.92871094,"punctuated_word":"for.","sentiment":"neutral","sentiment_score":-0.22181186079978943},{"word":"but","start":3230.3298,"end":3230.5698,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.1299329549074173},{"word":"i","start":3230.5698,"end":3230.73,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.12365593016147614},{"word":"said","start":3230.73,"end":3231.0498,"confidence":1.0,"punctuated_word":"said","sentiment":"neutral","sentiment_score":-0.12577715516090393},{"word":"to","start":3231.0498,"end":3231.5298,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09623251855373384},{"word":"i","start":3231.5298,"end":3231.7698,"confidence":0.83935547,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05623363703489304},{"word":"said","start":3231.7698,"end":3232.01,"confidence":0.99902344,"punctuated_word":"said","sentiment":"neutral","sentiment_score":-0.051502667367458344},{"word":"to","start":3232.01,"end":3232.25,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02849826216697693},{"word":"peter","start":3232.25,"end":3232.5698,"confidence":0.91967773,"punctuated_word":"Peter,","sentiment":"neutral","sentiment_score":-0.02096831053495407},{"word":"i","start":3232.5698,"end":3232.73,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.021797358989715576},{"word":"wanna","start":3232.73,"end":3232.97,"confidence":0.99316406,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.0069682784378528595},{"word":"have","start":3232.97,"end":3233.13,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.003719836473464966},{"word":"a","start":3233.13,"end":3233.21,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01700078696012497},{"word":"chat","start":3233.21,"end":3233.5298,"confidence":0.99316406,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":-0.02441311627626419},{"word":"to","start":3233.5298,"end":3233.7698,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03005934506654739},{"word":"our","start":3233.7698,"end":3234.2698,"confidence":0.9970703,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.03636566922068596},{"word":"insurance","start":3234.5698,"end":3235.0698,"confidence":0.9951172,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.07429046928882599},{"word":"broker","start":3235.2898,"end":3235.69,"confidence":0.76708984,"punctuated_word":"broker","sentiment":"neutral","sentiment_score":-0.03602469339966774},{"word":"because","start":3235.69,"end":3236.19,"confidence":0.5761719,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.025122251361608505},{"word":"brokers","start":3236.49,"end":3236.99,"confidence":0.43530273,"punctuated_word":"brokers","sentiment":"neutral","sentiment_score":-0.032117459923028946},{"word":"have","start":3237.0498,"end":3237.21,"confidence":0.72509766,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.05280676856637001},{"word":"brokers","start":3237.21,"end":3237.6099,"confidence":0.9941406,"punctuated_word":"brokers","sentiment":"neutral","sentiment_score":-0.06114525720477104},{"word":"everywhere","start":3237.6099,"end":3238.1099,"confidence":0.90356445,"punctuated_word":"everywhere.","sentiment":"neutral","sentiment_score":-0.029120396822690964},{"word":"and","start":3238.17,"end":3238.41,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.029432322829961777},{"word":"we","start":3238.41,"end":3238.5698,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.025350872427225113},{"word":"were","start":3238.5698,"end":3238.73,"confidence":0.8378906,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.03616955876350403},{"word":"i","start":3238.89,"end":3238.97,"confidence":0.9716797,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.04174933582544327},{"word":"was","start":3238.97,"end":3239.13,"confidence":0.9970703,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.03528987243771553},{"word":"chatting","start":3239.13,"end":3239.45,"confidence":0.99609375,"punctuated_word":"chatting","sentiment":"neutral","sentiment_score":-0.024051981046795845},{"word":"to","start":3239.45,"end":3239.6099,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.029896922409534454},{"word":"him","start":3239.6099,"end":3239.7698,"confidence":0.7406006,"punctuated_word":"him,","sentiment":"neutral","sentiment_score":-0.030739879235625267},{"word":"and","start":3239.7698,"end":3239.93,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02863150089979172},{"word":"i","start":3239.93,"end":3240.0898,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.040748052299022675},{"word":"said","start":3240.0898,"end":3240.3298,"confidence":0.9658203,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.033521443605422974},{"word":"look","start":3240.3298,"end":3240.555,"confidence":0.76171875,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":-0.04545876756310463},{"word":"how","start":3240.875,"end":3241.355,"confidence":0.9941406,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.07433782517910004},{"word":"how","start":3241.355,"end":3241.515,"confidence":0.95703125,"punctuated_word":"how","sentiment":"neutral","sentiment_score":-0.11107388883829115},{"word":"does","start":3241.515,"end":3241.835,"confidence":0.9980469,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.10984301567077635},{"word":"insurance","start":3241.835,"end":3242.2349,"confidence":0.98095703,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.12615424394607544},{"word":"work","start":3242.2349,"end":3242.555,"confidence":0.9914551,"punctuated_word":"work?","sentiment":"neutral","sentiment_score":-0.10783486068248747},{"word":"i","start":3242.555,"end":3242.635,"confidence":0.9741211,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.21061034500598907},{"word":"always","start":3242.635,"end":3242.9548,"confidence":0.99316406,"punctuated_word":"always","sentiment":"neutral","sentiment_score":-0.1784048080444336},{"word":"thought","start":3242.9548,"end":3243.1948,"confidence":0.9980469,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":-0.23907451331615448},{"word":"that","start":3243.1948,"end":3243.355,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1978270560503006},{"word":"you","start":3243.355,"end":3243.595,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.18704400956630707},{"word":"couldn't","start":3243.595,"end":3244.095,"confidence":1.0,"punctuated_word":"couldn't","sentiment":"neutral","sentiment_score":-0.2140883207321167},{"word":"under","start":3244.2349,"end":3244.4749,"confidence":0.98535156,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.1978778541088104},{"word":"insure","start":3244.4749,"end":3244.9548,"confidence":0.73095703,"punctuated_word":"insure.","sentiment":"neutral","sentiment_score":-0.20356187224388125},{"word":"and","start":3244.9548,"end":3245.115,"confidence":0.9980469,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.18418407440185547},{"word":"he","start":3245.115,"end":3245.275,"confidence":1.0,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.1917538940906525},{"word":"said","start":3245.275,"end":3245.515,"confidence":0.967041,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.1754724532365799},{"word":"no","start":3245.515,"end":3245.915,"confidence":0.9772949,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.23758620023727417},{"word":"you're","start":3245.915,"end":3246.315,"confidence":0.80126953,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.2255510091781616},{"word":"not","start":3246.315,"end":3246.4749,"confidence":0.5209961,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.24822360277175903},{"word":"supposed","start":3246.4749,"end":3246.875,"confidence":0.9838867,"punctuated_word":"supposed","sentiment":"neutral","sentiment_score":-0.2418075799942017},{"word":"to","start":3246.875,"end":3247.115,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.20241257548332217},{"word":"under","start":3247.115,"end":3247.355,"confidence":0.9980469,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.18325704336166385},{"word":"insure","start":3247.355,"end":3247.755,"confidence":0.97143555,"punctuated_word":"insure.","sentiment":"neutral","sentiment_score":-0.11502861976623537},{"word":"i","start":3247.755,"end":3247.835,"confidence":0.9941406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11309996247291564},{"word":"said","start":3247.835,"end":3248.075,"confidence":0.9033203,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.08659003674983978},{"word":"because","start":3248.075,"end":3248.315,"confidence":1.0,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.09467371553182602},{"word":"it's","start":3248.315,"end":3248.555,"confidence":1.0,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.18928734958171844},{"word":"like","start":3248.555,"end":3248.7148,"confidence":0.99902344,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.16017873585224152},{"word":"this","start":3248.7148,"end":3249.2148,"confidence":0.89819336,"punctuated_word":"this.","sentiment":"neutral","sentiment_score":-0.12928621470928192},{"word":"if","start":3249.275,"end":3249.515,"confidence":0.9980469,"punctuated_word":"If","sentiment":"negative","sentiment_score":-0.3377731442451477},{"word":"this","start":3249.515,"end":3249.755,"confidence":0.9941406,"punctuated_word":"this","sentiment":"negative","sentiment_score":-0.4965311288833618},{"word":"house","start":3249.755,"end":3249.9949,"confidence":0.9086914,"punctuated_word":"house","sentiment":"negative","sentiment_score":-0.5475025177001953},{"word":"was","start":3249.9949,"end":3250.2349,"confidence":0.9394531,"punctuated_word":"was","sentiment":"negative","sentiment_score":-0.34157076478004456},{"word":"to","start":3250.2349,"end":3250.315,"confidence":0.9873047,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.5553914308547974},{"word":"burn","start":3250.315,"end":3250.635,"confidence":0.97998047,"punctuated_word":"burn","sentiment":"negative","sentiment_score":-0.6169902086257935},{"word":"down","start":3250.635,"end":3250.9548,"confidence":0.98950195,"punctuated_word":"down,","sentiment":"negative","sentiment_score":-0.5720376968383789},{"word":"god","start":3250.9548,"end":3251.1948,"confidence":0.6850586,"punctuated_word":"god","sentiment":"negative","sentiment_score":-0.657913863658905},{"word":"forbid","start":3251.1948,"end":3251.6948,"confidence":0.98583984,"punctuated_word":"forbid,","sentiment":"negative","sentiment_score":-0.5580889582633972},{"word":"we","start":3252.395,"end":3252.555,"confidence":1.0,"punctuated_word":"we","sentiment":"negative","sentiment_score":-0.5119752883911133},{"word":"don't","start":3252.555,"end":3252.875,"confidence":1.0,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.4049680233001709},{"word":"have","start":3252.875,"end":3253.115,"confidence":1.0,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.45879215002059937},{"word":"all","start":3253.115,"end":3253.355,"confidence":0.8100586,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.3031010329723358},{"word":"children","start":3253.355,"end":3253.835,"confidence":0.85839844,"punctuated_word":"children","sentiment":"negative","sentiment_score":-0.3741617500782013},{"word":"at","start":3253.835,"end":3253.9949,"confidence":1.0,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.42172950506210327},{"word":"home","start":3253.9949,"end":3254.2349,"confidence":1.0,"punctuated_word":"home","sentiment":"neutral","sentiment_score":-0.32018595933914185},{"word":"anymore","start":3254.2349,"end":3254.635,"confidence":0.84350586,"punctuated_word":"anymore,","sentiment":"negative","sentiment_score":-0.3677152693271637},{"word":"so","start":3254.635,"end":3254.875,"confidence":1.0,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.2934597432613373},{"word":"we","start":3254.875,"end":3255.035,"confidence":1.0,"punctuated_word":"we","sentiment":"negative","sentiment_score":-0.3478909134864807},{"word":"wouldn't","start":3255.035,"end":3255.4348,"confidence":0.99853516,"punctuated_word":"wouldn't","sentiment":"negative","sentiment_score":-0.3808523416519165},{"word":"need","start":3255.4348,"end":3255.675,"confidence":1.0,"punctuated_word":"need","sentiment":"negative","sentiment_score":-0.374864399433136},{"word":"to","start":3255.675,"end":3256.08,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.5032710433006287},{"word":"build","start":3256.48,"end":3256.98,"confidence":1.0,"punctuated_word":"build","sentiment":"negative","sentiment_score":-0.5066801905632019},{"word":"a","start":3257.04,"end":3257.2002,"confidence":0.9980469,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4702114462852478},{"word":"house","start":3257.2002,"end":3257.52,"confidence":1.0,"punctuated_word":"house","sentiment":"negative","sentiment_score":-0.39602595567703247},{"word":"as","start":3257.52,"end":3257.76,"confidence":0.9941406,"punctuated_word":"as","sentiment":"negative","sentiment_score":-0.3747082650661469},{"word":"big","start":3257.76,"end":3258.0,"confidence":0.9753418,"punctuated_word":"big.","sentiment":"negative","sentiment_score":-0.37324059009552},{"word":"and","start":3258.0,"end":3258.08,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.18238547444343567},{"word":"he","start":3258.08,"end":3258.24,"confidence":1.0,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.18471994996070865},{"word":"said","start":3258.24,"end":3258.48,"confidence":0.96240234,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.1486804485321045},{"word":"no","start":3258.48,"end":3258.6401,"confidence":0.98339844,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.3068956136703491},{"word":"that's","start":3258.6401,"end":3258.96,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.1957969665527344},{"word":"exactly","start":3258.96,"end":3259.36,"confidence":1.0,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":-0.1843731254339218},{"word":"right","start":3259.36,"end":3259.86,"confidence":0.99853516,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":-0.20095741748809817},{"word":"you","start":3260.08,"end":3260.32,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.20312130451202393},{"word":"could","start":3260.32,"end":3260.82,"confidence":1.0,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.15974010527133942},{"word":"build","start":3260.8801,"end":3261.2002,"confidence":0.99902344,"punctuated_word":"build","sentiment":"neutral","sentiment_score":-0.25783348083496094},{"word":"a","start":3261.2002,"end":3261.36,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.20194005966186523},{"word":"house","start":3261.36,"end":3261.6802,"confidence":1.0,"punctuated_word":"house","sentiment":"neutral","sentiment_score":-0.1865180730819702},{"word":"for","start":3261.6802,"end":3262.08,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1976754069328308},{"word":"a","start":3262.08,"end":3262.1602,"confidence":1.0,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2153049260377884},{"word":"lot","start":3262.1602,"end":3262.4001,"confidence":1.0,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.19209754467010495},{"word":"less","start":3262.4001,"end":3262.8,"confidence":0.98583984,"punctuated_word":"less.","sentiment":"neutral","sentiment_score":-0.20051755011081696},{"word":"you","start":3262.8,"end":3262.96,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.09252597391605376},{"word":"know","start":3262.96,"end":3263.2002,"confidence":0.9946289,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":-0.08462327718734741},{"word":"so","start":3263.2002,"end":3263.4402,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.04257512465119362},{"word":"he","start":3263.4402,"end":3263.84,"confidence":1.0,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.03215854614973068},{"word":"he","start":3263.84,"end":3264.08,"confidence":0.99902344,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.035161446779966354},{"word":"took","start":3264.08,"end":3264.24,"confidence":1.0,"punctuated_word":"took","sentiment":"neutral","sentiment_score":-0.0946127027273178},{"word":"it","start":3264.24,"end":3264.48,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.13634203374385834},{"word":"to","start":3264.48,"end":3264.6401,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.14387327432632446},{"word":"the","start":3264.6401,"end":3264.8,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12853392958641052},{"word":"insurance","start":3264.8,"end":3265.3,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.13775771856307983},{"word":"company","start":3265.36,"end":3265.76,"confidence":0.953125,"punctuated_word":"company,","sentiment":"neutral","sentiment_score":-0.1002732664346695},{"word":"and","start":3265.76,"end":3265.9202,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05831185728311539},{"word":"we've","start":3265.9202,"end":3266.1602,"confidence":0.91186523,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.094551220536232},{"word":"just","start":3266.1602,"end":3266.32,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.08074690401554108},{"word":"heard","start":3266.32,"end":3266.56,"confidence":1.0,"punctuated_word":"heard","sentiment":"neutral","sentiment_score":-0.12141655385494232},{"word":"back","start":3266.56,"end":3266.8,"confidence":0.9790039,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.11649568378925323},{"word":"that","start":3266.8,"end":3266.96,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.15908539295196533},{"word":"they","start":3266.96,"end":3267.2002,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.2166283428668976},{"word":"won't","start":3267.2002,"end":3267.4402,"confidence":0.9975586,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":-0.2310430258512497},{"word":"do","start":3267.4402,"end":3267.6,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.24212968349456787},{"word":"it","start":3267.6,"end":3267.76,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2158599942922592},{"word":"because","start":3267.76,"end":3268.0,"confidence":0.92333984,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.2073695212602615},{"word":"it","start":3268.0,"end":3268.08,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.23987939953804016},{"word":"would","start":3268.08,"end":3268.32,"confidence":0.99902344,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.2694351077079773},{"word":"be","start":3268.32,"end":3268.48,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.28606677055358887},{"word":"underinsuring","start":3268.48,"end":3268.98,"confidence":0.91467285,"punctuated_word":"underinsuring.","sentiment":"neutral","sentiment_score":-0.16152584552764893},{"word":"so","start":3269.5552,"end":3269.7952,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.17887555062770844},{"word":"now","start":3269.7952,"end":3269.955,"confidence":0.99902344,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.2201446145772934},{"word":"we're","start":3269.955,"end":3270.435,"confidence":0.91308594,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.2499249428510666},{"word":"now","start":3270.435,"end":3270.675,"confidence":0.9970703,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.2687469720840454},{"word":"we're","start":3270.675,"end":3271.0752,"confidence":0.9980469,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.29307135939598083},{"word":"battling","start":3271.0752,"end":3271.475,"confidence":0.99902344,"punctuated_word":"battling","sentiment":"neutral","sentiment_score":-0.3185567259788513},{"word":"with","start":3271.475,"end":3271.7952,"confidence":1.0,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.37365591526031494},{"word":"them","start":3271.7952,"end":3272.115,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.3012751042842865},{"word":"to","start":3272.115,"end":3272.2751,"confidence":1.0,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.33916765451431274},{"word":"say","start":3272.2751,"end":3272.5952,"confidence":0.98217773,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.2453244924545288},{"word":"hold","start":3272.5952,"end":3272.8352,"confidence":0.99902344,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.31926125288009644},{"word":"on","start":3272.8352,"end":3272.915,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.29373547434806824},{"word":"a","start":3272.915,"end":3272.995,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.26674002408981323},{"word":"minute","start":3272.995,"end":3273.3152,"confidence":0.97314453,"punctuated_word":"minute.","sentiment":"neutral","sentiment_score":-0.20208299160003665},{"word":"we've","start":3273.3152,"end":3273.475,"confidence":0.99560547,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":-0.17922723293304443},{"word":"got","start":3273.475,"end":3273.635,"confidence":0.9980469,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.16987355053424835},{"word":"it","start":3273.635,"end":3273.7952,"confidence":0.9277344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.20909269154071808},{"word":"insured","start":3273.7952,"end":3274.195,"confidence":0.99609375,"punctuated_word":"insured","sentiment":"neutral","sentiment_score":-0.17177872359752655},{"word":"for","start":3274.195,"end":3274.355,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.16155818104743958},{"word":"1,700,000","start":3274.355,"end":3275.5752,"confidence":0.99212646,"punctuated_word":"1,700,000,","sentiment":"neutral","sentiment_score":-0.13366153836250305},{"word":"but","start":3276.115,"end":3276.355,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.16109557449817655},{"word":"that's","start":3276.355,"end":3276.675,"confidence":1.0,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.27134281396865845},{"word":"what","start":3276.675,"end":3276.915,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.28183242678642273},{"word":"we","start":3276.915,"end":3277.0752,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.2658924162387848},{"word":"would","start":3277.0752,"end":3277.395,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.25514912605285645},{"word":"sell","start":3277.395,"end":3277.635,"confidence":1.0,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.306385338306427},{"word":"it","start":3277.635,"end":3277.875,"confidence":1.0,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2206621766090393},{"word":"for","start":3277.875,"end":3278.195,"confidence":0.99853516,"punctuated_word":"for.","sentiment":"neutral","sentiment_score":-0.1669221818447113},{"word":"the","start":3278.195,"end":3278.435,"confidence":1.0,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.09787552058696748},{"word":"land","start":3278.435,"end":3278.7551,"confidence":0.9970703,"punctuated_word":"land","sentiment":"neutral","sentiment_score":-0.15109725296497345},{"word":"itself","start":3278.7551,"end":3279.235,"confidence":0.99902344,"punctuated_word":"itself","sentiment":"neutral","sentiment_score":-0.10321603715419768},{"word":"would","start":3279.235,"end":3279.475,"confidence":1.0,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.22178085148334503},{"word":"have","start":3279.475,"end":3279.635,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.24904002249240875},{"word":"to","start":3279.635,"end":3279.7952,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2429567873477936},{"word":"be","start":3279.7952,"end":3279.955,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.20451264083385468},{"word":"worth","start":3279.955,"end":3280.2751,"confidence":1.0,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":-0.17951326072216034},{"word":"something","start":3280.2751,"end":3280.7751,"confidence":0.9538574,"punctuated_word":"something.","sentiment":"neutral","sentiment_score":-0.18670043349266052},{"word":"like","start":3280.995,"end":3281.235,"confidence":0.982666,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.12945938110351562},{"word":"you","start":3281.235,"end":3281.395,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.09213670343160628},{"word":"know","start":3281.395,"end":3281.5552,"confidence":0.9523926,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.11192457377910614},{"word":"like","start":3281.5552,"end":3282.0552,"confidence":0.98217773,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.12276037037372588},{"word":"we","start":3282.2751,"end":3282.435,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.15597379207611084},{"word":"wanna","start":3282.435,"end":3282.8352,"confidence":0.9819336,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.17300426959991455},{"word":"lessen","start":3282.8352,"end":3283.155,"confidence":0.9951172,"punctuated_word":"lessen","sentiment":"neutral","sentiment_score":-0.10560894012451172},{"word":"the","start":3283.155,"end":3283.3152,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.18970125913619995},{"word":"amount","start":3283.3152,"end":3283.635,"confidence":1.0,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":-0.13872140645980835},{"word":"that","start":3283.635,"end":3283.7952,"confidence":1.0,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.16204021871089935},{"word":"we","start":3283.7952,"end":3283.955,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.17431741952896118},{"word":"had","start":3283.955,"end":3284.115,"confidence":0.98535156,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.18491001427173617},{"word":"it","start":3284.115,"end":3284.2751,"confidence":0.9291992,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.15908442437648773},{"word":"insured","start":3284.2751,"end":3284.7551,"confidence":0.9970703,"punctuated_word":"insured","sentiment":"neutral","sentiment_score":-0.1190343052148819},{"word":"for","start":3284.7551,"end":3285.18,"confidence":0.9309082,"punctuated_word":"for.","sentiment":"neutral","sentiment_score":-0.14746993780136108},{"word":"so","start":3286.14,"end":3286.46,"confidence":0.7631836,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.16359205543994904},{"word":"surely","start":3286.46,"end":3286.96,"confidence":0.9980469,"punctuated_word":"surely,","sentiment":"neutral","sentiment_score":-0.1708284169435501},{"word":"we","start":3287.02,"end":3287.0999,"confidence":0.98095703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.172227680683136},{"word":"if","start":3287.26,"end":3287.42,"confidence":0.99902344,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.20989567041397095},{"word":"we","start":3287.42,"end":3287.5798,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.24881409108638763},{"word":"were","start":3287.5798,"end":3287.8198,"confidence":0.9038086,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.19833414256572723},{"word":"to","start":3287.8198,"end":3287.9,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.24060814082622528},{"word":"sell","start":3287.9,"end":3288.14,"confidence":0.99609375,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.22804737091064453},{"word":"it","start":3288.14,"end":3288.3,"confidence":0.9980469,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.19755974411964417},{"word":"oh","start":3288.38,"end":3288.54,"confidence":0.97265625,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.21566413342952728},{"word":"i","start":3288.54,"end":3288.6199,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.248959481716156},{"word":"don't","start":3288.6199,"end":3288.78,"confidence":0.9975586,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.24958017468452456},{"word":"think","start":3288.78,"end":3288.94,"confidence":0.9941406,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.21122191846370697},{"word":"we'd","start":3288.94,"end":3289.18,"confidence":0.8366699,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":-0.2782267928123474},{"word":"get","start":3289.18,"end":3289.3398,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.24033159017562863},{"word":"1.7","start":3289.3398,"end":3290.0598,"confidence":0.99934894,"punctuated_word":"1.7","sentiment":"neutral","sentiment_score":-0.18769066035747528},{"word":"to","start":3290.0598,"end":3290.3,"confidence":0.8413086,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.23186589777469635},{"word":"even","start":3290.3,"end":3290.6199,"confidence":0.98095703,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.2182350754737854},{"word":"sell","start":3290.6199,"end":3290.8599,"confidence":0.9609375,"punctuated_word":"sell,","sentiment":"neutral","sentiment_score":-0.25567173957824707},{"word":"to","start":3290.8599,"end":3291.02,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2546171247959137},{"word":"be","start":3291.02,"end":3291.18,"confidence":1.0,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.20908772945404053},{"word":"honest","start":3291.18,"end":3291.66,"confidence":0.9995117,"punctuated_word":"honest.","sentiment":"neutral","sentiment_score":-0.19258278608322144},{"word":"i","start":3291.66,"end":3291.74,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1484820395708084},{"word":"think","start":3291.74,"end":3291.98,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.12165339291095734},{"word":"we'd","start":3291.98,"end":3292.22,"confidence":0.9916992,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":-0.12703579664230347},{"word":"only","start":3292.22,"end":3292.38,"confidence":0.99902344,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.12314901500940324},{"word":"get","start":3292.38,"end":3292.6199,"confidence":0.99902344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.08720523864030838},{"word":"one","start":3292.6199,"end":3292.8599,"confidence":1.0,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.06906953454017639},{"word":"one","start":3292.8599,"end":3293.18,"confidence":0.99609375,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.06500473618507385},{"word":"point","start":3293.18,"end":3293.5,"confidence":1.0,"punctuated_word":"point","sentiment":"neutral","sentiment_score":-0.056350741535425186},{"word":"three","start":3293.5,"end":3293.9,"confidence":1.0,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.06011630594730377},{"word":"maybe","start":3293.9,"end":3294.4,"confidence":0.7458496,"punctuated_word":"maybe.","sentiment":"neutral","sentiment_score":-0.10034455358982086},{"word":"so","start":3294.6199,"end":3294.78,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.10488137602806091},{"word":"you","start":3294.78,"end":3294.94,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.12223972380161284},{"word":"take","start":3294.94,"end":3295.18,"confidence":0.99902344,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.15392561256885529},{"word":"the","start":3295.18,"end":3295.42,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1315099000930786},{"word":"land","start":3295.42,"end":3295.74,"confidence":0.7705078,"punctuated_word":"land","sentiment":"neutral","sentiment_score":-0.12895329296588898},{"word":"off","start":3295.74,"end":3295.9,"confidence":0.83740234,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.0878085345029831},{"word":"that","start":3295.9,"end":3296.4,"confidence":0.79907227,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.10177947580814362},{"word":"i","start":3296.46,"end":3296.54,"confidence":0.9980469,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10589195042848588},{"word":"reckon","start":3296.54,"end":3296.8599,"confidence":0.9980469,"punctuated_word":"reckon","sentiment":"neutral","sentiment_score":-0.10572764277458192},{"word":"we","start":3296.8599,"end":3297.0999,"confidence":0.9760742,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.12294521182775496},{"word":"should","start":3297.0999,"end":3297.26,"confidence":0.99902344,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.1098114252090454},{"word":"be","start":3297.26,"end":3297.3398,"confidence":0.99902344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.144399031996727},{"word":"able","start":3297.3398,"end":3297.5,"confidence":0.9838867,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.09011238813400269},{"word":"to","start":3297.5,"end":3297.66,"confidence":0.9536133,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13913819193840027},{"word":"insure","start":3297.66,"end":3297.9,"confidence":0.94628906,"punctuated_word":"insure","sentiment":"neutral","sentiment_score":-0.07941709458827972},{"word":"it","start":3297.9,"end":3298.0598,"confidence":0.9472656,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.13762488961219788},{"word":"for","start":3298.0598,"end":3298.14,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.10649078339338304},{"word":"a","start":3298.14,"end":3298.3,"confidence":0.9970703,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1144765168428421},{"word":"million","start":3298.3,"end":3298.6199,"confidence":0.9194336,"punctuated_word":"million,","sentiment":"neutral","sentiment_score":-0.12780806422233582},{"word":"but","start":3298.6199,"end":3298.78,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.13990111649036407},{"word":"at","start":3298.78,"end":3298.8599,"confidence":0.91748047,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.32054972648620605},{"word":"the","start":3298.8599,"end":3298.94,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.27555736899375916},{"word":"moment","start":3298.94,"end":3299.26,"confidence":0.9746094,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.2951856851577759},{"word":"they","start":3299.26,"end":3299.42,"confidence":0.9941406,"punctuated_word":"they","sentiment":"negative","sentiment_score":-0.3543163537979126},{"word":"don't","start":3299.42,"end":3299.5798,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.3664452731609345},{"word":"wanna","start":3299.5798,"end":3299.8198,"confidence":0.9770508,"punctuated_word":"wanna","sentiment":"negative","sentiment_score":-0.3566421866416931},{"word":"do","start":3299.8198,"end":3299.98,"confidence":0.9980469,"punctuated_word":"do","sentiment":"negative","sentiment_score":-0.34374091029167175},{"word":"it","start":3299.98,"end":3300.48,"confidence":0.9921875,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.27183547616004944},{"word":"so","start":3301.315,"end":3301.635,"confidence":0.99902344,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.08680474758148193},{"word":"so","start":3301.635,"end":3301.875,"confidence":0.9902344,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.1644787639379501},{"word":"we're","start":3301.875,"end":3302.035,"confidence":0.9975586,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.2165617793798447},{"word":"in","start":3302.035,"end":3302.195,"confidence":0.99902344,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.26016393303871155},{"word":"a","start":3302.195,"end":3302.2751,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.22674226760864255},{"word":"bit","start":3302.2751,"end":3302.435,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.2614474594593048},{"word":"of","start":3302.435,"end":3302.5151,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2920834720134735},{"word":"a","start":3302.5151,"end":3302.595,"confidence":0.99609375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.27401769161224365},{"word":"catch","start":3302.595,"end":3302.835,"confidence":0.99316406,"punctuated_word":"catch","sentiment":"neutral","sentiment_score":-0.29296478629112244},{"word":"at","start":3302.835,"end":3302.995,"confidence":0.99902344,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.30238741636276245},{"word":"the","start":3302.995,"end":3303.075,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2944342792034149},{"word":"moment","start":3303.075,"end":3303.475,"confidence":0.9926758,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.2433934062719345},{"word":"yeah","start":3303.475,"end":3303.795,"confidence":0.9995117,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.14206477999687195},{"word":"don't","start":3303.795,"end":3304.035,"confidence":0.9616699,"punctuated_word":"Don't","sentiment":"neutral","sentiment_score":-0.17298999428749084},{"word":"know","start":3304.035,"end":3304.115,"confidence":0.9980469,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.23431771993637085},{"word":"what","start":3304.115,"end":3304.2751,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.2804226875305176},{"word":"to","start":3304.2751,"end":3304.435,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.25604376196861267},{"word":"do","start":3304.435,"end":3304.595,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.26419922709465027},{"word":"about","start":3304.595,"end":3304.835,"confidence":0.99902344,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.21397045254707336},{"word":"it","start":3304.835,"end":3305.335,"confidence":0.9995117,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.11323915421962738},{"word":"yeah","start":3307.555,"end":3307.875,"confidence":0.9909668,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.08556203544139862},{"word":"yeah","start":3307.875,"end":3308.375,"confidence":0.99609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06797455996274948},{"word":"yeah","start":3316.52,"end":3317.0,"confidence":0.8671875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.052809104323387146},{"word":"yeah","start":3317.0,"end":3317.5,"confidence":0.9807129,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04602528363466263},{"word":"yeah","start":3328.035,"end":3328.535,"confidence":0.85961914,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.25922971963882446},{"word":"it's","start":3328.995,"end":3329.315,"confidence":0.9951172,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.22106121480464935},{"word":"well","start":3329.635,"end":3329.875,"confidence":0.9875488,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.16775858402252197},{"word":"we've","start":3329.875,"end":3330.195,"confidence":0.99609375,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.14607582986354828},{"word":"got","start":3330.195,"end":3330.435,"confidence":1.0,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.1801217794418335},{"word":"no","start":3330.435,"end":3330.595,"confidence":0.9980469,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.23211689293384552},{"word":"chance","start":3330.595,"end":3330.915,"confidence":0.9902344,"punctuated_word":"chance","sentiment":"neutral","sentiment_score":-0.32043084502220154},{"word":"of","start":3330.915,"end":3331.075,"confidence":0.62841797,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3353782296180725},{"word":"flood","start":3331.075,"end":3331.315,"confidence":0.9902344,"punctuated_word":"flood","sentiment":"negative","sentiment_score":-0.35123926401138306},{"word":"where","start":3331.315,"end":3331.555,"confidence":1.0,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.2349565327167511},{"word":"we","start":3331.555,"end":3331.715,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.17917628586292267},{"word":"live","start":3331.715,"end":3331.955,"confidence":0.9970703,"punctuated_word":"live","sentiment":"neutral","sentiment_score":-0.18038368225097656},{"word":"because","start":3331.955,"end":3332.195,"confidence":0.82714844,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.19300706684589383},{"word":"we're","start":3332.195,"end":3332.595,"confidence":0.9975586,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.2362023293972015},{"word":"high","start":3332.595,"end":3332.835,"confidence":0.99609375,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.2747795879840851},{"word":"up","start":3332.835,"end":3332.995,"confidence":1.0,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.30878180265426636},{"word":"on","start":3332.995,"end":3333.235,"confidence":1.0,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.2828075587749481},{"word":"a","start":3333.235,"end":3333.715,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2793829143047333},{"word":"little","start":3333.715,"end":3333.955,"confidence":0.9892578,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.2270367443561554},{"word":"bit","start":3333.955,"end":3334.115,"confidence":1.0,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.2753916084766388},{"word":"of","start":3334.115,"end":3334.275,"confidence":1.0,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.3085111677646637},{"word":"a","start":3334.275,"end":3334.675,"confidence":0.9902344,"punctuated_word":"a,","sentiment":"neutral","sentiment_score":-0.3179247975349426},{"word":"you","start":3334.675,"end":3334.835,"confidence":0.9970703,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2885928750038147},{"word":"know","start":3334.835,"end":3335.075,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.32782721519470215},{"word":"hill","start":3335.075,"end":3335.475,"confidence":0.8984375,"punctuated_word":"hill","sentiment":"neutral","sentiment_score":-0.2188934087753296},{"word":"type","start":3335.475,"end":3335.715,"confidence":0.97998047,"punctuated_word":"type","sentiment":"neutral","sentiment_score":-0.2614906132221222},{"word":"thing","start":3335.715,"end":3335.955,"confidence":0.8937988,"punctuated_word":"thing,","sentiment":"neutral","sentiment_score":-0.25152158737182617},{"word":"but","start":3335.955,"end":3336.455,"confidence":0.99902344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.22958174347877505},{"word":"our","start":3337.395,"end":3337.635,"confidence":0.91503906,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.30780282616615295},{"word":"insurance","start":3337.635,"end":3338.035,"confidence":0.9951172,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.3061988949775696},{"word":"is","start":3338.035,"end":3338.195,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2312730848789215},{"word":"5,000","start":3338.195,"end":3338.835,"confidence":0.9995117,"punctuated_word":"5,000","sentiment":"neutral","sentiment_score":-0.23134300112724304},{"word":"a","start":3338.835,"end":3338.915,"confidence":0.96533203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2959723472595215},{"word":"year","start":3338.915,"end":3339.39,"confidence":0.97387695,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.2220790535211563},{"word":"yeah","start":3341.3098,"end":3341.71,"confidence":0.9226074,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.042832743376493454},{"word":"so","start":3341.71,"end":3342.0298,"confidence":0.9980469,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.06020123511552811},{"word":"we","start":3342.0298,"end":3342.19,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.06918112188577652},{"word":"have","start":3342.19,"end":3342.3499,"confidence":0.99902344,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0706711858510971},{"word":"to","start":3342.3499,"end":3342.51,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03531469404697418},{"word":"pay","start":3342.51,"end":3342.67,"confidence":0.9941406,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.077324278652668},{"word":"it","start":3342.67,"end":3342.75,"confidence":0.9580078,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.059462059289216995},{"word":"monthly","start":3342.75,"end":3343.25,"confidence":1.0,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.012361161410808563},{"word":"monthly","start":3343.39,"end":3343.7898,"confidence":0.96875,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":-0.18221822381019592},{"word":"now","start":3343.7898,"end":3344.19,"confidence":0.99902344,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.1364259123802185},{"word":"because","start":3344.19,"end":3344.51,"confidence":0.7685547,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.18477922677993777},{"word":"i","start":3344.51,"end":3344.8298,"confidence":0.90722656,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.3041635751724243},{"word":"i","start":3344.8298,"end":3344.91,"confidence":0.94140625,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.39318281412124634},{"word":"just","start":3344.91,"end":3345.15,"confidence":0.9970703,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.4406442642211914},{"word":"can't","start":3345.15,"end":3345.65,"confidence":0.9995117,"punctuated_word":"can't","sentiment":"negative","sentiment_score":-0.4812203049659729},{"word":"find","start":3345.7898,"end":3346.0298,"confidence":0.9838867,"punctuated_word":"find","sentiment":"negative","sentiment_score":-0.5542089343070984},{"word":"that","start":3346.0298,"end":3346.2698,"confidence":0.9970703,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.5224497318267822},{"word":"money","start":3346.2698,"end":3346.7698,"confidence":0.8339844,"punctuated_word":"money.","sentiment":"negative","sentiment_score":-0.46459540724754333},{"word":"you","start":3347.15,"end":3347.3098,"confidence":0.99609375,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.22340649366378784},{"word":"know","start":3347.3098,"end":3347.5498,"confidence":0.88720703,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":-0.16410577297210693},{"word":"but","start":3347.5498,"end":3347.95,"confidence":0.99902344,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.09295664727687836},{"word":"i","start":3347.95,"end":3348.1099,"confidence":0.8457031,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11979589611291884},{"word":"well","start":3348.19,"end":3348.43,"confidence":0.9616699,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.0985770970582962},{"word":"i","start":3348.43,"end":3348.5898,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.08774664998054504},{"word":"started","start":3348.5898,"end":3348.91,"confidence":0.96777344,"punctuated_word":"started","sentiment":"neutral","sentiment_score":-0.09915830194950104},{"word":"thinking","start":3348.91,"end":3349.23,"confidence":1.0,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":-0.07018008083105087},{"word":"about","start":3349.23,"end":3349.39,"confidence":1.0,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.11201490461826324},{"word":"it","start":3349.39,"end":3349.5498,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.08040983974933624},{"word":"and","start":3349.5498,"end":3349.71,"confidence":0.96875,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05872650071978569},{"word":"just","start":3349.71,"end":3349.95,"confidence":0.99902344,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.08222129940986633},{"word":"put","start":3349.95,"end":3350.1099,"confidence":0.99902344,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.06009018421173096},{"word":"it","start":3350.1099,"end":3350.19,"confidence":0.9970703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0751979649066925},{"word":"to","start":3350.19,"end":3350.43,"confidence":0.86572266,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06449462473392487},{"word":"our","start":3350.43,"end":3350.67,"confidence":0.9902344,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.06876517832279205},{"word":"broker","start":3350.67,"end":3351.0698,"confidence":0.8625488,"punctuated_word":"broker,","sentiment":"neutral","sentiment_score":-0.07785141468048096},{"word":"our","start":3351.0698,"end":3351.23,"confidence":1.0,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.10683828592300416},{"word":"insurance","start":3351.23,"end":3351.63,"confidence":1.0,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.10223321616649628},{"word":"broker","start":3351.63,"end":3351.8699,"confidence":0.8105469,"punctuated_word":"broker,","sentiment":"neutral","sentiment_score":-0.05614097788929939},{"word":"and","start":3351.8699,"end":3352.0298,"confidence":0.9951172,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.042293790727853775},{"word":"i","start":3352.0298,"end":3352.1099,"confidence":0.9770508,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0744454562664032},{"word":"said","start":3352.1099,"end":3352.2698,"confidence":0.9589844,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.06435808539390564},{"word":"look","start":3352.2698,"end":3352.67,"confidence":0.8269043,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":-0.07609093189239502},{"word":"to","start":3352.67,"end":3352.91,"confidence":0.99902344,"punctuated_word":"To","sentiment":"neutral","sentiment_score":-0.11448703706264496},{"word":"rebuild","start":3352.91,"end":3353.41,"confidence":0.99609375,"punctuated_word":"rebuild,","sentiment":"neutral","sentiment_score":-0.09594066441059113},{"word":"we","start":3353.63,"end":3353.7898,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.12419916689395905},{"word":"don't","start":3353.7898,"end":3354.0298,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.12371253222227097},{"word":"have","start":3354.0298,"end":3354.19,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0956595093011856},{"word":"to","start":3354.19,"end":3354.3499,"confidence":0.9980469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.14539256691932678},{"word":"have","start":3354.3499,"end":3354.675,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.18175926804542544},{"word":"a","start":3354.835,"end":3355.075,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.22028003633022308},{"word":"500","start":3355.075,"end":3355.715,"confidence":1.0,"punctuated_word":"500","sentiment":"neutral","sentiment_score":-0.15862137079238892},{"word":"square","start":3355.715,"end":3356.115,"confidence":0.99902344,"punctuated_word":"square","sentiment":"neutral","sentiment_score":-0.10154584795236588},{"word":"meter","start":3356.115,"end":3356.595,"confidence":0.99902344,"punctuated_word":"meter","sentiment":"neutral","sentiment_score":-0.12455160915851592},{"word":"under","start":3356.595,"end":3356.915,"confidence":0.95166016,"punctuated_word":"under","sentiment":"neutral","sentiment_score":-0.06344078481197357},{"word":"roof","start":3356.915,"end":3357.235,"confidence":0.99121094,"punctuated_word":"roof","sentiment":"neutral","sentiment_score":-0.06312388181686401},{"word":"house","start":3357.235,"end":3357.635,"confidence":0.9719238,"punctuated_word":"house.","sentiment":"neutral","sentiment_score":-0.1680203378200531},{"word":"we","start":3357.635,"end":3357.875,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.1352154165506363},{"word":"don't","start":3357.875,"end":3358.115,"confidence":1.0,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.10057902336120604},{"word":"have","start":3358.115,"end":3358.2751,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.07618884742259979},{"word":"to","start":3358.2751,"end":3358.7551,"confidence":0.99853516,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":-0.10290852189064026},{"word":"we","start":3358.7551,"end":3358.915,"confidence":1.0,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.10836151242256165},{"word":"we","start":3358.915,"end":3359.155,"confidence":0.9980469,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15148457884788513},{"word":"can","start":3359.155,"end":3359.315,"confidence":1.0,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.18454521894454956},{"word":"build","start":3359.315,"end":3359.555,"confidence":0.97802734,"punctuated_word":"build","sentiment":"neutral","sentiment_score":0.23343661427497864},{"word":"whatever","start":3359.555,"end":3359.955,"confidence":1.0,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.2503489553928375},{"word":"we","start":3359.955,"end":3360.115,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1866636425256729},{"word":"like","start":3360.115,"end":3360.355,"confidence":0.8378906,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":0.1586664468050003},{"word":"and","start":3360.355,"end":3360.5151,"confidence":0.99902344,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.015786051750183105},{"word":"he","start":3360.5151,"end":3360.595,"confidence":1.0,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.07627543807029724},{"word":"said","start":3360.595,"end":3360.835,"confidence":0.9724121,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.10011008381843568},{"word":"no","start":3360.835,"end":3360.995,"confidence":0.96362305,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.2025654911994934},{"word":"that's","start":3360.995,"end":3361.235,"confidence":1.0,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.07860945165157318},{"word":"exactly","start":3361.235,"end":3361.715,"confidence":1.0,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":-0.08153575658798218},{"word":"right","start":3361.715,"end":3362.215,"confidence":0.9797363,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":-0.08474502712488174},{"word":"but","start":3362.355,"end":3362.675,"confidence":0.9272461,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.16395379602909088},{"word":"yeah","start":3362.675,"end":3362.835,"confidence":0.9753418,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.21539714932441711},{"word":"they","start":3362.835,"end":3363.075,"confidence":0.98535156,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.2843429744243622},{"word":"we","start":3363.155,"end":3363.315,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.2832862436771393},{"word":"just","start":3363.315,"end":3363.475,"confidence":1.0,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.31625065207481384},{"word":"got","start":3363.475,"end":3363.635,"confidence":0.99902344,"punctuated_word":"got","sentiment":"negative","sentiment_score":-0.37340033054351807},{"word":"an","start":3363.635,"end":3363.7952,"confidence":1.0,"punctuated_word":"an","sentiment":"negative","sentiment_score":-0.4121200442314148},{"word":"email","start":3363.7952,"end":3364.115,"confidence":1.0,"punctuated_word":"email","sentiment":"negative","sentiment_score":-0.3999268412590027},{"word":"the","start":3364.115,"end":3364.195,"confidence":0.9980469,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.35991424322128296},{"word":"other","start":3364.195,"end":3364.435,"confidence":1.0,"punctuated_word":"other","sentiment":"negative","sentiment_score":-0.337441086769104},{"word":"day","start":3364.435,"end":3364.675,"confidence":0.99609375,"punctuated_word":"day","sentiment":"neutral","sentiment_score":-0.31210511922836304},{"word":"saying","start":3364.675,"end":3364.995,"confidence":0.7607422,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":-0.30517327785491943},{"word":"that","start":3364.995,"end":3365.315,"confidence":0.72558594,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.3302052617073059},{"word":"insurance","start":3365.315,"end":3365.7952,"confidence":0.5234375,"punctuated_word":"insurance","sentiment":"negative","sentiment_score":-0.3883166015148163},{"word":"company","start":3365.7952,"end":3366.195,"confidence":0.99902344,"punctuated_word":"company","sentiment":"negative","sentiment_score":-0.44279471039772034},{"word":"was","start":3366.195,"end":3366.355,"confidence":0.99316406,"punctuated_word":"was","sentiment":"negative","sentiment_score":-0.3879278600215912},{"word":"saying","start":3366.355,"end":3366.595,"confidence":0.9223633,"punctuated_word":"saying,","sentiment":"negative","sentiment_score":-0.33978134393692017},{"word":"no","start":3366.595,"end":3366.7551,"confidence":0.904541,"punctuated_word":"no.","sentiment":"negative","sentiment_score":-0.47625574469566345},{"word":"no","start":3366.7551,"end":3366.995,"confidence":0.9890137,"punctuated_word":"No.","sentiment":"negative","sentiment_score":-0.6123202443122864},{"word":"we","start":3366.995,"end":3367.075,"confidence":0.9970703,"punctuated_word":"We","sentiment":"negative","sentiment_score":-0.6629435420036316},{"word":"don't","start":3367.075,"end":3367.315,"confidence":1.0,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.6656656265258789},{"word":"like","start":3367.315,"end":3367.555,"confidence":1.0,"punctuated_word":"like","sentiment":"negative","sentiment_score":-0.6692458987236023},{"word":"that","start":3367.555,"end":3367.955,"confidence":0.99658203,"punctuated_word":"that.","sentiment":"negative","sentiment_score":-0.6361823678016663},{"word":"we","start":3367.955,"end":3368.115,"confidence":1.0,"punctuated_word":"We","sentiment":"negative","sentiment_score":-0.5330074429512024},{"word":"don't","start":3368.115,"end":3368.355,"confidence":1.0,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.56775963306427},{"word":"like","start":3368.355,"end":3368.5151,"confidence":0.99902344,"punctuated_word":"like","sentiment":"negative","sentiment_score":-0.5570360422134399},{"word":"that","start":3368.5151,"end":3368.675,"confidence":0.9970703,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.49291858077049255},{"word":"you're","start":3368.675,"end":3368.835,"confidence":0.95703125,"punctuated_word":"you're","sentiment":"negative","sentiment_score":-0.3383140563964844},{"word":"underinsuring","start":3368.835,"end":3369.335,"confidence":0.8684082,"punctuated_word":"underinsuring.","sentiment":"neutral","sentiment_score":-0.2637382745742798},{"word":"but","start":3370.14,"end":3370.64,"confidence":0.8737793,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.2224540412425995},{"word":"yeah","start":3370.8599,"end":3371.26,"confidence":0.9951172,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.19887366890907288},{"word":"that","start":3371.26,"end":3371.5,"confidence":0.99902344,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1808173656463623},{"word":"was","start":3371.5,"end":3371.74,"confidence":1.0,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.20555651187896729},{"word":"to","start":3371.74,"end":3371.9,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.261037141084671},{"word":"rebuild","start":3371.9,"end":3372.2998,"confidence":1.0,"punctuated_word":"rebuild","sentiment":"neutral","sentiment_score":-0.22438812255859375},{"word":"a","start":3372.2998,"end":3372.38,"confidence":0.8569336,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2545628845691681},{"word":"house","start":3372.38,"end":3372.88,"confidence":1.0,"punctuated_word":"house","sentiment":"neutral","sentiment_score":-0.21234500408172607},{"word":"while","start":3373.3398,"end":3373.5798,"confidence":0.99121094,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.1848387271165848},{"word":"we","start":3373.5798,"end":3373.74,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.19209842383861545},{"word":"had","start":3373.74,"end":3373.98,"confidence":1.0,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.16989290714263916},{"word":"kids","start":3373.98,"end":3374.46,"confidence":1.0,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":-0.140384703874588},{"word":"all","start":3374.46,"end":3374.7,"confidence":0.5175781,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.2089899778366089},{"word":"living","start":3374.7,"end":3374.94,"confidence":1.0,"punctuated_word":"living","sentiment":"neutral","sentiment_score":-0.15781082212924957},{"word":"here","start":3374.94,"end":3375.18,"confidence":0.99902344,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.20157578587532043},{"word":"with","start":3375.18,"end":3375.66,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.1816747486591339},{"word":"partners","start":3375.66,"end":3376.16,"confidence":0.99902344,"punctuated_word":"partners","sentiment":"neutral","sentiment_score":-0.18994364142417908},{"word":"and","start":3376.22,"end":3376.6199,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.19209423661231995},{"word":"and","start":3376.6199,"end":3376.8599,"confidence":0.9902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.19053605198860168},{"word":"other","start":3376.8599,"end":3377.0999,"confidence":0.9951172,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.30336782336235046},{"word":"ring","start":3377.0999,"end":3377.3398,"confidence":0.9633789,"punctuated_word":"ring","sentiment":"neutral","sentiment_score":-0.22785083949565887},{"word":"ins","start":3377.3398,"end":3377.66,"confidence":0.82666016,"punctuated_word":"ins.","sentiment":"neutral","sentiment_score":-0.21271416544914248},{"word":"you","start":3377.66,"end":3377.8198,"confidence":0.99902344,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.19624491035938263},{"word":"know","start":3377.8198,"end":3378.14,"confidence":0.8898926,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":-0.1991716027259827},{"word":"like","start":3378.14,"end":3378.6199,"confidence":0.9951172,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.20133870840072632},{"word":"we","start":3378.6199,"end":3378.7798,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.2403091937303543},{"word":"would","start":3378.7798,"end":3379.02,"confidence":0.9980469,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.23735688626766205},{"word":"need","start":3379.02,"end":3379.18,"confidence":0.99902344,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.257883220911026},{"word":"to","start":3379.18,"end":3379.3398,"confidence":0.9863281,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.260973185300827},{"word":"would","start":3379.5,"end":3379.66,"confidence":0.9526367,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.25139573216438293},{"word":"have","start":3379.66,"end":3379.9,"confidence":0.7207031,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.2223145216703415},{"word":"needed","start":3379.9,"end":3380.22,"confidence":0.9970703,"punctuated_word":"needed","sentiment":"neutral","sentiment_score":-0.3102894127368927},{"word":"to","start":3380.22,"end":3380.46,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.28735432028770447},{"word":"rebuild","start":3380.46,"end":3380.96,"confidence":0.9970703,"punctuated_word":"rebuild","sentiment":"neutral","sentiment_score":-0.2206452637910843},{"word":"this","start":3381.26,"end":3381.5798,"confidence":0.98095703,"punctuated_word":"this","sentiment":"negative","sentiment_score":-0.33529993891716003},{"word":"size","start":3381.5798,"end":3381.9,"confidence":0.90283203,"punctuated_word":"size","sentiment":"neutral","sentiment_score":-0.30641546845436096},{"word":"house","start":3381.9,"end":3382.14,"confidence":0.9169922,"punctuated_word":"house,","sentiment":"neutral","sentiment_score":-0.19288021326065063},{"word":"but","start":3382.14,"end":3382.6199,"confidence":0.9980469,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.1900876760482788},{"word":"we've","start":3382.6199,"end":3382.8599,"confidence":0.83154297,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.2677707374095917},{"word":"just","start":3382.8599,"end":3383.02,"confidence":0.9741211,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2993506193161011},{"word":"had","start":3383.02,"end":3383.26,"confidence":0.99902344,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.3126099705696106},{"word":"maddie","start":3383.26,"end":3383.5798,"confidence":0.9526367,"punctuated_word":"Maddie","sentiment":"neutral","sentiment_score":-0.24304327368736267},{"word":"and","start":3383.5798,"end":3383.74,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.23149140179157257},{"word":"her","start":3383.74,"end":3383.9,"confidence":1.0,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.2757403254508972},{"word":"partner","start":3383.9,"end":3384.2998,"confidence":0.99902344,"punctuated_word":"partner","sentiment":"neutral","sentiment_score":-0.2036868631839752},{"word":"move","start":3384.2998,"end":3384.6199,"confidence":0.9614258,"punctuated_word":"move","sentiment":"neutral","sentiment_score":-0.31233489513397217},{"word":"out","start":3384.6199,"end":3384.8599,"confidence":0.7314453,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.21058514714241028},{"word":"and","start":3384.8599,"end":3385.3599,"confidence":0.99365234,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":-0.17800655961036682},{"word":"you","start":3385.475,"end":3385.635,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.181152805685997},{"word":"know","start":3385.635,"end":3386.135,"confidence":0.99609375,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.20193517208099365},{"word":"our","start":3386.435,"end":3386.7551,"confidence":0.87060547,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.23696359992027283},{"word":"other","start":3386.7551,"end":3387.075,"confidence":0.8720703,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.24130386114120483},{"word":"son's","start":3387.075,"end":3387.395,"confidence":0.7307129,"punctuated_word":"son's","sentiment":"neutral","sentiment_score":-0.2023249864578247},{"word":"moved","start":3387.395,"end":3387.715,"confidence":0.9980469,"punctuated_word":"moved","sentiment":"neutral","sentiment_score":-0.19069461524486545},{"word":"out","start":3387.715,"end":3388.035,"confidence":0.82421875,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":-0.157144233584404},{"word":"and","start":3388.035,"end":3388.275,"confidence":0.9404297,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1852812021970749},{"word":"another","start":3388.275,"end":3388.595,"confidence":0.95166016,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.2107764631509781},{"word":"one's","start":3388.595,"end":3388.835,"confidence":0.96313477,"punctuated_word":"one's","sentiment":"neutral","sentiment_score":-0.1940765082836151},{"word":"thinking","start":3388.835,"end":3389.155,"confidence":1.0,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":-0.18406659364700317},{"word":"of","start":3389.155,"end":3389.395,"confidence":0.9951172,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.19083435833454132},{"word":"buying","start":3389.395,"end":3389.795,"confidence":0.8869629,"punctuated_word":"buying.","sentiment":"neutral","sentiment_score":-0.14439187943935394},{"word":"and","start":3389.795,"end":3390.295,"confidence":0.9941406,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.13541530072689056},{"word":"so","start":3390.435,"end":3390.675,"confidence":0.88012695,"punctuated_word":"so,","sentiment":"neutral","sentiment_score":-0.15065276622772217},{"word":"you","start":3390.675,"end":3390.835,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1751229166984558},{"word":"know","start":3390.835,"end":3391.235,"confidence":0.9880371,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.20212683081626892},{"word":"i","start":3391.235,"end":3391.395,"confidence":0.99609375,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.20563073456287384},{"word":"said","start":3391.395,"end":3391.555,"confidence":0.94921875,"punctuated_word":"said","sentiment":"neutral","sentiment_score":-0.15350759029388428},{"word":"we","start":3391.555,"end":3391.715,"confidence":0.83740234,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.2456749677658081},{"word":"wouldn't","start":3391.715,"end":3392.035,"confidence":0.95458984,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.2609040141105652},{"word":"we","start":3392.035,"end":3392.275,"confidence":0.9970703,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.2910881042480469},{"word":"wouldn't","start":3392.275,"end":3392.595,"confidence":1.0,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.2790975570678711},{"word":"have","start":3392.595,"end":3392.7551,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.26076048612594604},{"word":"to","start":3392.7551,"end":3392.915,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.32583191990852356},{"word":"rebuild","start":3392.915,"end":3393.395,"confidence":1.0,"punctuated_word":"rebuild","sentiment":"neutral","sentiment_score":-0.26003897190093994},{"word":"this","start":3393.395,"end":3393.555,"confidence":0.99902344,"punctuated_word":"this","sentiment":"negative","sentiment_score":-0.36067941784858704},{"word":"size","start":3393.555,"end":3393.875,"confidence":0.9790039,"punctuated_word":"size","sentiment":"neutral","sentiment_score":-0.3274850845336914},{"word":"house","start":3393.875,"end":3394.115,"confidence":0.8444824,"punctuated_word":"house,","sentiment":"neutral","sentiment_score":-0.2601854205131531},{"word":"so","start":3394.115,"end":3394.275,"confidence":0.9970703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.31030187010765076},{"word":"why","start":3394.275,"end":3394.5151,"confidence":1.0,"punctuated_word":"why","sentiment":"negative","sentiment_score":-0.4417758285999298},{"word":"do","start":3394.5151,"end":3394.595,"confidence":0.9970703,"punctuated_word":"do","sentiment":"negative","sentiment_score":-0.4476135075092316},{"word":"we","start":3394.595,"end":3394.7551,"confidence":1.0,"punctuated_word":"we","sentiment":"negative","sentiment_score":-0.33915701508522034},{"word":"have","start":3394.7551,"end":3394.915,"confidence":1.0,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.3733494281768799},{"word":"to","start":3394.915,"end":3395.075,"confidence":0.99902344,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3854735493659973},{"word":"insure","start":3395.075,"end":3395.395,"confidence":0.86572266,"punctuated_word":"insure","sentiment":"negative","sentiment_score":-0.3450712561607361},{"word":"it","start":3395.395,"end":3395.895,"confidence":0.98706055,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.2731653153896332},{"word":"but","start":3396.115,"end":3396.435,"confidence":0.96972656,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.18156813085079193},{"word":"apparently","start":3396.435,"end":3396.915,"confidence":0.5932617,"punctuated_word":"apparently","sentiment":"neutral","sentiment_score":-0.23673775792121887},{"word":"apparently","start":3396.915,"end":3397.395,"confidence":0.8820801,"punctuated_word":"apparently,","sentiment":"neutral","sentiment_score":-0.28468456864356995},{"word":"they're","start":3397.395,"end":3397.635,"confidence":0.99365234,"punctuated_word":"they're","sentiment":"negative","sentiment_score":-0.33639365434646606},{"word":"wanting","start":3397.635,"end":3397.875,"confidence":1.0,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":-0.33063915371894836},{"word":"us","start":3397.875,"end":3398.115,"confidence":1.0,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.3167985677719116},{"word":"to","start":3398.115,"end":3398.275,"confidence":1.0,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.29171130061149597},{"word":"do","start":3398.275,"end":3398.435,"confidence":1.0,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.3138894736766815},{"word":"that","start":3398.435,"end":3398.76,"confidence":0.99853516,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.254901647567749},{"word":"yeah","start":3401.32,"end":3401.64,"confidence":0.93896484,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03936176002025604},{"word":"so","start":3401.64,"end":3402.04,"confidence":0.9350586,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0698862299323082},{"word":"he's","start":3402.04,"end":3402.44,"confidence":0.78564453,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":-0.0593080148100853},{"word":"gonna","start":3402.44,"end":3402.68,"confidence":0.9770508,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.07330340147018433},{"word":"take","start":3402.68,"end":3402.84,"confidence":0.99902344,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.10955889523029327},{"word":"it","start":3402.84,"end":3403.0,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.11126850545406342},{"word":"back","start":3403.0,"end":3403.16,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.13557139039039612},{"word":"to","start":3403.16,"end":3403.24,"confidence":0.9951172,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09641535580158234},{"word":"them","start":3403.24,"end":3403.56,"confidence":1.0,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.108696311712265},{"word":"and","start":3403.56,"end":3403.64,"confidence":0.984375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08310683816671371},{"word":"say","start":3403.64,"end":3403.8801,"confidence":0.9819336,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.06240471079945564},{"word":"to","start":3403.8801,"end":3404.12,"confidence":0.9086914,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08555711060762405},{"word":"resell","start":3404.12,"end":3404.6,"confidence":0.99658203,"punctuated_word":"resell","sentiment":"neutral","sentiment_score":-0.08889736980199814},{"word":"it","start":3404.6,"end":3404.76,"confidence":0.6102295,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.09158606827259064},{"word":"they","start":3404.76,"end":3404.92,"confidence":0.9892578,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.10639788955450058},{"word":"wouldn't","start":3404.92,"end":3405.16,"confidence":1.0,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.08662476390600204},{"word":"get","start":3405.16,"end":3405.4,"confidence":1.0,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.08757093548774719},{"word":"1,700,000","start":3405.4,"end":3406.62,"confidence":1.0,"punctuated_word":"1,700,000","sentiment":"neutral","sentiment_score":-0.025279875844717022},{"word":"and","start":3407.8,"end":3408.04,"confidence":0.52490234,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0092778317630291},{"word":"see","start":3408.04,"end":3408.2,"confidence":1.0,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.007068987935781479},{"word":"what","start":3408.2,"end":3408.36,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.007326774299144745},{"word":"they","start":3408.36,"end":3408.52,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.05842207744717598},{"word":"say","start":3408.52,"end":3408.76,"confidence":0.9506836,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.056156374514102936},{"word":"then","start":3408.76,"end":3409.26,"confidence":0.9926758,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":-0.02243834175169468},{"word":"yeah","start":3414.4348,"end":3414.9348,"confidence":0.9345703,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06284385174512863},{"word":"i","start":3415.1548,"end":3415.315,"confidence":0.91015625,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.16032376885414124},{"word":"just","start":3415.315,"end":3415.4749,"confidence":0.9394531,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.20804648101329803},{"word":"don't","start":3415.4749,"end":3415.7148,"confidence":0.94091797,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.23781561851501465},{"word":"know","start":3415.7148,"end":3415.9548,"confidence":0.9716797,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.2223035842180252},{"word":"i","start":3415.9548,"end":3416.115,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2170417755842209},{"word":"haven't","start":3416.115,"end":3416.355,"confidence":0.9875488,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.2217324674129486},{"word":"put","start":3416.355,"end":3416.515,"confidence":1.0,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.18386411666870117},{"word":"the","start":3416.515,"end":3416.835,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.21419686079025269},{"word":"i","start":3416.835,"end":3416.9949,"confidence":0.9770508,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2079671621322632},{"word":"haven't","start":3416.9949,"end":3417.2349,"confidence":0.9885254,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.23008403182029724},{"word":"put","start":3417.2349,"end":3417.395,"confidence":0.99902344,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.22753211855888367},{"word":"the","start":3417.395,"end":3417.4749,"confidence":0.99902344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2305997759103775},{"word":"option","start":3417.4749,"end":3417.875,"confidence":0.9980469,"punctuated_word":"option","sentiment":"neutral","sentiment_score":-0.2028619647026062},{"word":"to","start":3417.875,"end":3418.035,"confidence":0.984375,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.25751957297325134},{"word":"him","start":3418.035,"end":3418.1948,"confidence":0.9970703,"punctuated_word":"him","sentiment":"neutral","sentiment_score":-0.2636527419090271},{"word":"to","start":3418.1948,"end":3418.275,"confidence":0.97998047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.25584569573402405},{"word":"say","start":3418.275,"end":3418.515,"confidence":0.94970703,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.17218628525733948},{"word":"look","start":3418.515,"end":3418.835,"confidence":0.76416016,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":-0.2161313444375992},{"word":"if","start":3418.835,"end":3418.9949,"confidence":0.76953125,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.26662737131118774},{"word":"you","start":3418.9949,"end":3419.1548,"confidence":0.80566406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.23697257041931152},{"word":"started","start":3419.1548,"end":3419.635,"confidence":0.7631836,"punctuated_word":"started","sentiment":"neutral","sentiment_score":-0.24108441174030304},{"word":"again","start":3419.635,"end":3419.875,"confidence":0.98291016,"punctuated_word":"again","sentiment":"neutral","sentiment_score":-0.2752845883369446},{"word":"with","start":3419.875,"end":3420.035,"confidence":0.99902344,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.25150877237319946},{"word":"another","start":3420.035,"end":3420.4348,"confidence":1.0,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.30865854024887085},{"word":"company","start":3420.4348,"end":3420.9348,"confidence":0.98706055,"punctuated_word":"company,","sentiment":"neutral","sentiment_score":-0.24294348061084747},{"word":"a","start":3421.2349,"end":3421.395,"confidence":0.9980469,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2089933454990387},{"word":"different","start":3421.395,"end":3421.895,"confidence":0.99902344,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.2296733111143112},{"word":"a","start":3421.9548,"end":3422.035,"confidence":0.99902344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.221569761633873},{"word":"different","start":3422.035,"end":3422.535,"confidence":1.0,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.23992210626602173},{"word":"insurer","start":3423.1548,"end":3423.6548,"confidence":0.8312988,"punctuated_word":"insurer,","sentiment":"neutral","sentiment_score":-0.2561829388141632},{"word":"couldn't","start":3424.1948,"end":3424.595,"confidence":0.9890137,"punctuated_word":"couldn't","sentiment":"neutral","sentiment_score":-0.24627552926540375},{"word":"you","start":3424.595,"end":3424.755,"confidence":0.99902344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.27198526263237},{"word":"start","start":3424.755,"end":3425.075,"confidence":0.9941406,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.23147700726985931},{"word":"fresh","start":3425.075,"end":3425.315,"confidence":0.97998047,"punctuated_word":"fresh","sentiment":"neutral","sentiment_score":-0.236780047416687},{"word":"and","start":3425.315,"end":3425.555,"confidence":0.98828125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.22077684104442596},{"word":"say","start":3425.555,"end":3425.795,"confidence":0.8034668,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.15811064839363098},{"word":"this","start":3425.795,"end":3426.035,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.2024534046649933},{"word":"is","start":3426.035,"end":3426.1948,"confidence":0.99902344,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.19550541043281555},{"word":"what","start":3426.1948,"end":3426.51,"confidence":0.9970703,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.16413158178329468},{"word":"my","start":3426.59,"end":3426.83,"confidence":0.99902344,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.17011848092079165},{"word":"house","start":3426.83,"end":3426.99,"confidence":0.99609375,"punctuated_word":"house","sentiment":"neutral","sentiment_score":-0.16235587000846863},{"word":"and","start":3426.99,"end":3427.23,"confidence":0.5473633,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.20238368213176727},{"word":"this","start":3427.23,"end":3427.47,"confidence":0.99902344,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.24093042314052585},{"word":"is","start":3427.47,"end":3427.55,"confidence":0.99121094,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.20915719866752625},{"word":"what","start":3427.55,"end":3427.71,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.15601639449596405},{"word":"i","start":3427.71,"end":3427.79,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.21337059140205383},{"word":"wanna","start":3427.79,"end":3428.03,"confidence":0.9194336,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.1763826608657837},{"word":"insure","start":3428.03,"end":3428.19,"confidence":0.88671875,"punctuated_word":"insure","sentiment":"neutral","sentiment_score":-0.17614968121051788},{"word":"it","start":3428.19,"end":3428.35,"confidence":0.91259766,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1245441883802414},{"word":"for","start":3428.35,"end":3428.59,"confidence":0.75634766,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":-0.15746529400348663},{"word":"and","start":3428.59,"end":3428.75,"confidence":0.99902344,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.13944154977798462},{"word":"this","start":3428.75,"end":3428.91,"confidence":1.0,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.16326093673706055},{"word":"is","start":3428.91,"end":3428.99,"confidence":0.99316406,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2194691002368927},{"word":"what","start":3428.99,"end":3429.0698,"confidence":1.0,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.16752339899539948},{"word":"i","start":3429.0698,"end":3429.15,"confidence":0.99902344,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.22414177656173703},{"word":"want","start":3429.15,"end":3429.39,"confidence":0.99902344,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.20558446645736697},{"word":"the","start":3429.39,"end":3429.55,"confidence":0.9951172,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19074314832687375},{"word":"contents","start":3429.55,"end":3429.95,"confidence":0.96972656,"punctuated_word":"contents","sentiment":"neutral","sentiment_score":-0.10667598247528076},{"word":"for","start":3429.95,"end":3430.11,"confidence":0.73413086,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":-0.14960794150829315},{"word":"or","start":3430.11,"end":3430.27,"confidence":1.0,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.22663486003875732},{"word":"do","start":3430.27,"end":3430.43,"confidence":0.62841797,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.27461183071136475},{"word":"they","start":3430.43,"end":3430.59,"confidence":0.99902344,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.2717975378036499},{"word":"have","start":3430.59,"end":3430.75,"confidence":1.0,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.27094730734825134},{"word":"to","start":3430.75,"end":3430.83,"confidence":0.99902344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.29364702105522156},{"word":"know","start":3430.83,"end":3431.23,"confidence":0.99902344,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.31218421459198},{"word":"the","start":3431.23,"end":3431.47,"confidence":0.9453125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.29561203718185425},{"word":"be","start":3431.47,"end":3431.6301,"confidence":0.96777344,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2851009666919708},{"word":"all","start":3431.6301,"end":3431.71,"confidence":0.9902344,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.1883108615875244},{"word":"and","start":3431.71,"end":3431.87,"confidence":0.9941406,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.24270613491535187},{"word":"end","start":3431.87,"end":3432.11,"confidence":0.99609375,"punctuated_word":"end","sentiment":"neutral","sentiment_score":-0.21432380378246307},{"word":"all","start":3432.11,"end":3432.27,"confidence":0.98828125,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.17153140902519226},{"word":"of","start":3432.27,"end":3432.43,"confidence":0.9980469,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.26124316453933716},{"word":"what","start":3432.43,"end":3432.59,"confidence":0.99902344,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.2572202980518341},{"word":"you","start":3432.59,"end":3432.67,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.31570467352867126},{"word":"had","start":3432.67,"end":3432.99,"confidence":0.9863281,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.2596467137336731},{"word":"insured","start":3432.99,"end":3433.39,"confidence":0.8745117,"punctuated_word":"insured","sentiment":"neutral","sentiment_score":-0.2018226832151413},{"word":"for","start":3433.39,"end":3433.6301,"confidence":1.0,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.23492729663848877},{"word":"the","start":3433.6301,"end":3433.79,"confidence":0.8027344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.22380748391151428},{"word":"last","start":3433.79,"end":3434.03,"confidence":0.98828125,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.20599420368671417},{"word":"people","start":3434.03,"end":3434.51,"confidence":0.9812012,"punctuated_word":"people?","sentiment":"neutral","sentiment_score":-0.2112288922071457},{"word":"i","start":3434.51,"end":3434.59,"confidence":0.99902344,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.4384382367134094},{"word":"don't","start":3434.59,"end":3434.83,"confidence":1.0,"punctuated_word":"don't","sentiment":"negative","sentiment_score":-0.398002952337265},{"word":"know","start":3434.83,"end":3434.99,"confidence":0.9980469,"punctuated_word":"know","sentiment":"negative","sentiment_score":-0.3594568967819214},{"word":"how","start":3434.99,"end":3435.23,"confidence":1.0,"punctuated_word":"how","sentiment":"negative","sentiment_score":-0.4266507625579834},{"word":"it","start":3435.23,"end":3435.31,"confidence":0.99902344,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.34299200773239136},{"word":"works","start":3435.31,"end":3435.81,"confidence":0.9946289,"punctuated_word":"works.","sentiment":"negative","sentiment_score":-0.3687927722930908},{"word":"yeah","start":3440.67,"end":3441.17,"confidence":0.7807617,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02963114157319069},{"word":"no","start":3441.4148,"end":3441.6548,"confidence":0.9453125,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.07740769535303116},{"word":"you","start":3441.6548,"end":3441.7349,"confidence":0.95947266,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.13200519979000092},{"word":"haven't","start":3441.7349,"end":3442.1348,"confidence":0.99365234,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.1183270514011383},{"word":"had","start":3442.1348,"end":3442.295,"confidence":0.99316406,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.10370630770921709},{"word":"to","start":3442.295,"end":3442.4548,"confidence":0.60546875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.13523095846176147},{"word":"disclose","start":3442.4548,"end":3442.9548,"confidence":0.85595703,"punctuated_word":"disclose.","sentiment":"neutral","sentiment_score":-0.13719883561134338},{"word":"yeah","start":3443.4949,"end":3443.9949,"confidence":0.99609375,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0253198966383934},{"word":"yeah","start":3444.775,"end":3445.275,"confidence":0.9399414,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.002712070941925049},{"word":"yeah","start":3449.255,"end":3449.755,"confidence":0.73950195,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03689434751868248},{"word":"they","start":3450.855,"end":3451.015,"confidence":0.7709961,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.11065366864204408},{"word":"couldn't","start":3451.015,"end":3451.4148,"confidence":0.9995117,"punctuated_word":"couldn't","sentiment":"neutral","sentiment_score":-0.09028040617704391},{"word":"go","start":3451.4148,"end":3451.575,"confidence":0.9970703,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.1396319568157196},{"word":"by","start":3451.575,"end":3451.815,"confidence":0.9472656,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.09059473872184752},{"word":"what","start":3451.815,"end":3452.055,"confidence":0.98291016,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.11794468760490416},{"word":"they","start":3452.055,"end":3452.295,"confidence":0.9536133,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.13885800540447235},{"word":"couldn't","start":3452.295,"end":3452.615,"confidence":1.0,"punctuated_word":"couldn't","sentiment":"neutral","sentiment_score":-0.16354238986968994},{"word":"go","start":3452.615,"end":3452.855,"confidence":0.9970703,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.1809016466140747},{"word":"by","start":3452.855,"end":3453.015,"confidence":0.9980469,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.13075050711631775},{"word":"what","start":3453.015,"end":3453.27,"confidence":0.9980469,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.157145693898201},{"word":"we","start":3454.31,"end":3454.55,"confidence":0.99609375,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.14732955396175385},{"word":"bought","start":3454.55,"end":3454.87,"confidence":0.99902344,"punctuated_word":"bought","sentiment":"neutral","sentiment_score":-0.07324950397014618},{"word":"it","start":3454.87,"end":3455.03,"confidence":0.99902344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.06908445060253143},{"word":"for","start":3455.03,"end":3455.35,"confidence":0.9873047,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.09630966186523438},{"word":"because","start":3455.35,"end":3455.75,"confidence":0.91430664,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":-0.12137150764465332},{"word":"you","start":3455.75,"end":3455.91,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.13778160512447357},{"word":"know","start":3455.91,"end":3456.15,"confidence":0.9995117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.1367964744567871},{"word":"back","start":3456.15,"end":3456.3901,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.1154458075761795},{"word":"in","start":3456.3901,"end":3456.47,"confidence":1.0,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.09738284349441528},{"word":"the","start":3456.47,"end":3456.6301,"confidence":0.98535156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09585514664649963},{"word":"day","start":3456.6301,"end":3456.95,"confidence":1.0,"punctuated_word":"day","sentiment":"neutral","sentiment_score":-0.08019168674945831},{"word":"when","start":3456.95,"end":3457.27,"confidence":0.66845703,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.07998675107955933},{"word":"we","start":3457.27,"end":3457.43,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.0733834058046341},{"word":"bought","start":3457.43,"end":3457.59,"confidence":1.0,"punctuated_word":"bought","sentiment":"neutral","sentiment_score":-0.032665837556123734},{"word":"it","start":3457.59,"end":3457.83,"confidence":0.97436523,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.07163526862859726},{"word":"we","start":3457.83,"end":3457.99,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.13248075544834137},{"word":"thought","start":3457.99,"end":3458.15,"confidence":0.9536133,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":-0.10474109649658205},{"word":"we","start":3458.15,"end":3458.31,"confidence":0.9921875,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.15534338355064392},{"word":"were","start":3458.31,"end":3458.6301,"confidence":0.81152344,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.1446569710969925},{"word":"kings","start":3458.6301,"end":3458.95,"confidence":0.96972656,"punctuated_word":"kings","sentiment":"neutral","sentiment_score":-0.14938746392726898},{"word":"and","start":3458.95,"end":3459.11,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.192758709192276},{"word":"queens","start":3459.11,"end":3459.51,"confidence":0.9421387,"punctuated_word":"queens.","sentiment":"neutral","sentiment_score":-0.16157345473766327},{"word":"i","start":3459.51,"end":3459.59,"confidence":0.8803711,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11963632702827454},{"word":"said","start":3459.59,"end":3459.91,"confidence":0.9772949,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.08339573442935944},{"word":"oh","start":3459.91,"end":3460.41,"confidence":0.97265625,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.13216210901737213},{"word":"we're","start":3460.47,"end":3460.79,"confidence":0.99853516,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.18561607599258423},{"word":"really","start":3460.79,"end":3461.19,"confidence":0.9926758,"punctuated_word":"really,","sentiment":"neutral","sentiment_score":-0.1447179764509201},{"word":"you","start":3461.19,"end":3461.35,"confidence":1.0,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.18937629461288452},{"word":"know","start":3461.35,"end":3461.59,"confidence":1.0,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.20408733189105988},{"word":"gonna","start":3461.59,"end":3462.09,"confidence":0.984375,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.17043732106685638},{"word":"be","start":3462.55,"end":3462.79,"confidence":0.9970703,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1618306040763855},{"word":"going","start":3462.79,"end":3463.11,"confidence":1.0,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.1139262318611145},{"word":"over","start":3463.11,"end":3463.43,"confidence":1.0,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.010499581694602966},{"word":"our","start":3463.43,"end":3463.67,"confidence":1.0,"punctuated_word":"our","sentiment":"neutral","sentiment_score":-0.1500031352043152},{"word":"budget","start":3463.67,"end":3463.99,"confidence":1.0,"punctuated_word":"budget","sentiment":"neutral","sentiment_score":-0.13881751894950867},{"word":"here","start":3463.99,"end":3464.23,"confidence":0.9230957,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":-0.0921693742275238},{"word":"but","start":3464.23,"end":3464.47,"confidence":1.0,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.07252034544944763},{"word":"we","start":3464.47,"end":3464.6301,"confidence":1.0,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.021623581647872925},{"word":"love","start":3464.6301,"end":3464.87,"confidence":0.8671875,"punctuated_word":"love","sentiment":"neutral","sentiment_score":0.2672940790653229},{"word":"the","start":3464.87,"end":3465.03,"confidence":0.9970703,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.35354477167129517},{"word":"house","start":3465.03,"end":3465.27,"confidence":0.9970703,"punctuated_word":"house","sentiment":"positive","sentiment_score":0.4169649481773377},{"word":"so","start":3465.27,"end":3465.43,"confidence":0.9970703,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.18282964825630188},{"word":"much","start":3465.43,"end":3465.67,"confidence":0.8598633,"punctuated_word":"much.","sentiment":"neutral","sentiment_score":0.2073380947113037},{"word":"and","start":3465.67,"end":3465.91,"confidence":1.0,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.16666936874389648},{"word":"and","start":3465.91,"end":3466.07,"confidence":0.9970703,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.20595282316207889},{"word":"now","start":3466.07,"end":3466.23,"confidence":0.99316406,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.29734736680984497},{"word":"you","start":3466.23,"end":3466.3901,"confidence":0.9633789,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.3149540424346924},{"word":"can't","start":3466.3901,"end":3466.5051,"confidence":0.99658203,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.3281136155128479},{"word":"buy","start":3466.5051,"end":3466.62,"confidence":0.9980469,"punctuated_word":"buy","sentiment":"negative","sentiment_score":-0.3623816668987274},{"word":"a","start":3466.62,"end":3466.87,"confidence":0.9921875,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3789409101009369},{"word":"house","start":3466.87,"end":3467.19,"confidence":0.99902344,"punctuated_word":"house","sentiment":"negative","sentiment_score":-0.3595190644264221},{"word":"in","start":3467.19,"end":3467.595,"confidence":0.9838867,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.5206323862075806},{"word":"flood","start":3467.675,"end":3467.915,"confidence":0.96435547,"punctuated_word":"flood","sentiment":"neutral","sentiment_score":-0.30566641688346863},{"word":"stricken","start":3467.915,"end":3468.075,"confidence":0.99902344,"punctuated_word":"stricken","sentiment":"negative","sentiment_score":-0.34357619285583496},{"word":"area","start":3468.075,"end":3468.4749,"confidence":0.99609375,"punctuated_word":"area","sentiment":"negative","sentiment_score":-0.37365901470184326},{"word":"in","start":3468.4749,"end":3468.635,"confidence":0.9741211,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.4326816499233246},{"word":"rockhampton","start":3468.635,"end":3469.115,"confidence":0.99397784,"punctuated_word":"Rockhampton","sentiment":"negative","sentiment_score":-0.3841468095779419},{"word":"for","start":3469.115,"end":3469.355,"confidence":0.9941406,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.4185970425605774},{"word":"what","start":3469.355,"end":3469.515,"confidence":1.0,"punctuated_word":"what","sentiment":"negative","sentiment_score":-0.39007800817489624},{"word":"we","start":3469.515,"end":3469.675,"confidence":0.99902344,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.27249738574028015},{"word":"bought","start":3469.675,"end":3469.835,"confidence":0.99609375,"punctuated_word":"bought","sentiment":"neutral","sentiment_score":-0.19570690393447876},{"word":"it","start":3469.835,"end":3469.9949,"confidence":0.99609375,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.22596606612205505},{"word":"for","start":3469.9949,"end":3470.4949,"confidence":0.9941406,"punctuated_word":"for.","sentiment":"neutral","sentiment_score":-0.24767564237117767},{"word":"the","start":3472.4749,"end":3472.715,"confidence":0.46411133,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.04152300953865051},{"word":"what","start":3473.195,"end":3473.435,"confidence":0.93408203,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.03253691643476486},{"word":"what","start":3473.435,"end":3473.595,"confidence":0.5986328,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.052020810544490814},{"word":"we","start":3473.595,"end":3473.755,"confidence":0.9873047,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.03738539665937424},{"word":"bought","start":3473.755,"end":3473.9949,"confidence":0.99121094,"punctuated_word":"bought","sentiment":"neutral","sentiment_score":-0.030693180859088898},{"word":"this","start":3473.9949,"end":3474.2349,"confidence":0.9863281,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.03672512620687485},{"word":"for","start":3474.2349,"end":3474.4749,"confidence":0.9614258,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.04914309084415436},{"word":"is","start":3474.4749,"end":3474.715,"confidence":0.9892578,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.056814275681972504},{"word":"just","start":3474.715,"end":3474.875,"confidence":0.8852539,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.05812373012304306},{"word":"an","start":3474.875,"end":3475.355,"confidence":0.7631836,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.06267979741096497},{"word":"a","start":3475.435,"end":3475.5151,"confidence":0.96875,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.040491268038749695},{"word":"a","start":3475.5151,"end":3475.595,"confidence":0.81347656,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04363035410642624},{"word":"50","start":3475.595,"end":3475.9949,"confidence":0.9951172,"punctuated_word":"50","sentiment":"neutral","sentiment_score":-0.05757550895214081},{"word":"year","start":3475.9949,"end":3476.2349,"confidence":1.0,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.06040648370981216},{"word":"old","start":3476.2349,"end":3476.395,"confidence":1.0,"punctuated_word":"old","sentiment":"neutral","sentiment_score":-0.05435509234666824},{"word":"house","start":3476.395,"end":3476.795,"confidence":0.99902344,"punctuated_word":"house","sentiment":"neutral","sentiment_score":-0.0325002446770668},{"word":"now","start":3476.795,"end":3477.295,"confidence":0.798584,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.06173986941576004},{"word":"you","start":3477.355,"end":3477.515,"confidence":1.0,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.07398825883865356},{"word":"know","start":3477.515,"end":3477.755,"confidence":0.82373047,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.07008503377437592},{"word":"like","start":3477.755,"end":3478.255,"confidence":0.97094727,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.11286111176013948},{"word":"skyrocketed","start":3479.195,"end":3479.695,"confidence":0.98706055,"punctuated_word":"skyrocketed","sentiment":"neutral","sentiment_score":-0.11565479636192322},{"word":"so","start":3479.835,"end":3480.075,"confidence":0.9980469,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.10924742370843887},{"word":"much","start":3480.075,"end":3480.315,"confidence":0.8178711,"punctuated_word":"much,","sentiment":"neutral","sentiment_score":-0.13584095239639282},{"word":"and","start":3480.315,"end":3480.715,"confidence":1.0,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1261218786239624},{"word":"there's","start":3480.715,"end":3481.035,"confidence":1.0,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.14916656911373138},{"word":"nothing","start":3481.035,"end":3481.435,"confidence":1.0,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":-0.11116953939199448},{"word":"available","start":3481.435,"end":3481.915,"confidence":0.9746094,"punctuated_word":"available.","sentiment":"neutral","sentiment_score":-0.11227287352085114},{"word":"so","start":3481.915,"end":3482.075,"confidence":1.0,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.08701731264591217},{"word":"even","start":3482.075,"end":3482.4749,"confidence":0.99902344,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.10374219715595244},{"word":"the","start":3482.4749,"end":3482.79,"confidence":0.9760742,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11233575642108916},{"word":"the","start":3482.87,"end":3482.95,"confidence":1.0,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1064848080277443},{"word":"dregs","start":3482.95,"end":3483.15,"confidence":0.929362,"punctuated_word":"dregs","sentiment":"neutral","sentiment_score":-0.1320255547761917},{"word":"of","start":3483.15,"end":3483.35,"confidence":0.9482422,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.14966101944446564},{"word":"the","start":3483.35,"end":3483.85,"confidence":0.9941406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.14447098970413208},{"word":"of","start":3484.23,"end":3484.31,"confidence":0.9873047,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.13391686975955963},{"word":"the","start":3484.31,"end":3484.47,"confidence":0.9980469,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1444418728351593},{"word":"city","start":3484.47,"end":3484.79,"confidence":0.9614258,"punctuated_word":"city","sentiment":"neutral","sentiment_score":-0.12622791528701782},{"word":"are","start":3484.79,"end":3485.29,"confidence":0.93115234,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.12872961163520813},{"word":"up","start":3485.83,"end":3485.99,"confidence":0.6660156,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.1104811578989029},{"word":"around","start":3485.99,"end":3486.31,"confidence":1.0,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.10780106484889984},{"word":"the","start":3486.31,"end":3486.3901,"confidence":0.99121094,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10077690333127975},{"word":"$600,000","start":3486.3901,"end":3487.59,"confidence":0.9975586,"punctuated_word":"$600,000","sentiment":"neutral","sentiment_score":-0.052338678389787674},{"word":"mark","start":3487.59,"end":3488.09,"confidence":0.93237305,"punctuated_word":"mark.","sentiment":"neutral","sentiment_score":-0.1579568088054657},{"word":"terrible","start":3488.55,"end":3489.05,"confidence":0.9983724,"punctuated_word":"Terrible.","sentiment":"neutral","sentiment_score":-0.07802798599004745},{"word":"okay","start":3503.775,"end":3504.275,"confidence":0.8239746,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.08085566759109497},{"word":"yep","start":3513.69,"end":3514.19,"confidence":0.89697266,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.24972161650657657},{"word":"mhmm","start":3520.41,"end":3520.91,"confidence":0.9892578,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.16731145977973938},{"word":"yeah","start":3521.85,"end":3522.35,"confidence":0.96875,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.27625274658203125},{"word":"yeah","start":3528.125,"end":3528.625,"confidence":0.7753906,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13719293475151062},{"word":"the","start":3528.845,"end":3529.165,"confidence":0.59375,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.08674037456512451},{"word":"compounding","start":3529.165,"end":3529.665,"confidence":0.83862305,"punctuated_word":"compounding","sentiment":"neutral","sentiment_score":0.1470697671175003},{"word":"name","start":3529.805,"end":3530.305,"confidence":0.93896484,"punctuated_word":"name.","sentiment":"neutral","sentiment_score":0.1007443070411682},{"word":"yep","start":3531.0051,"end":3531.5051,"confidence":0.8129883,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2317718267440796},{"word":"yep","start":3536.125,"end":3536.625,"confidence":0.8269043,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1671699583530426},{"word":"hi","start":3539.35,"end":3539.67,"confidence":0.9658203,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":0.18323680758476257},{"word":"caleb","start":3539.67,"end":3540.17,"confidence":0.7993164,"punctuated_word":"Caleb.","sentiment":"neutral","sentiment_score":0.1655195951461792},{"word":"mhmm","start":3559.025,"end":3559.105,"confidence":0.9189453,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.11853977292776108},{"word":"yep","start":3559.105,"end":3559.605,"confidence":0.9367676,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17684583365917206},{"word":"okay","start":3568.83,"end":3569.1501,"confidence":0.71191406,"punctuated_word":"Okay","sentiment":"neutral","sentiment_score":0.12551961839199066},{"word":"then","start":3569.1501,"end":3569.55,"confidence":0.9123535,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":0.16331034898757937},{"word":"yeah","start":3569.55,"end":3569.95,"confidence":0.7076416,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.26324430108070374},{"word":"sounds","start":3569.95,"end":3570.27,"confidence":0.90527344,"punctuated_word":"Sounds","sentiment":"positive","sentiment_score":0.5054046511650085},{"word":"good","start":3570.27,"end":3570.77,"confidence":1.0,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.5106912851333618},{"word":"i","start":3570.83,"end":3570.91,"confidence":0.9921875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19135256111621857},{"word":"think","start":3570.91,"end":3571.1501,"confidence":1.0,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.20734189450740817},{"word":"peter's","start":3571.1501,"end":3571.55,"confidence":0.88061523,"punctuated_word":"Peter's","sentiment":"neutral","sentiment_score":0.08024036884307861},{"word":"already","start":3571.55,"end":3571.79,"confidence":0.9970703,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.25049692392349243},{"word":"made","start":3571.79,"end":3572.03,"confidence":0.99902344,"punctuated_word":"made","sentiment":"neutral","sentiment_score":0.15198807418346405},{"word":"me","start":3572.03,"end":3572.27,"confidence":0.9970703,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.17219814658164978},{"word":"sign","start":3572.27,"end":3572.43,"confidence":0.9819336,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.20920473337173465},{"word":"it","start":3572.43,"end":3572.67,"confidence":0.9970703,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.18871267139911652},{"word":"i","start":3572.67,"end":3572.75,"confidence":1.0,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02552809566259384},{"word":"don't","start":3572.75,"end":3572.91,"confidence":0.9995117,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.002045499859377742},{"word":"know","start":3572.91,"end":3573.07,"confidence":0.9716797,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.0017856918275356293},{"word":"you","start":3573.07,"end":3573.23,"confidence":0.9873047,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.003870345652103424},{"word":"probably","start":3573.23,"end":3573.55,"confidence":0.95410156,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.039381854236125946},{"word":"got","start":3573.55,"end":3573.71,"confidence":0.99121094,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.03254541754722595},{"word":"him","start":3573.71,"end":3573.87,"confidence":0.7792969,"punctuated_word":"him","sentiment":"neutral","sentiment_score":0.004216797649860382},{"word":"back","start":3573.87,"end":3574.03,"confidence":1.0,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.03992520272731781},{"word":"already","start":3574.03,"end":3574.53,"confidence":0.99853516,"punctuated_word":"already.","sentiment":"neutral","sentiment_score":0.039054546505212784},{"word":"yeah","start":3577.23,"end":3577.47,"confidence":0.87475586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08015213161706924},{"word":"he's","start":3577.47,"end":3577.71,"confidence":0.7232666,"punctuated_word":"He's","sentiment":"neutral","sentiment_score":0.17734333872795105},{"word":"already","start":3577.71,"end":3578.115,"confidence":0.96777344,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.25687676668167114},{"word":"it's","start":3578.115,"end":3578.275,"confidence":0.93310547,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2503165602684021},{"word":"already","start":3578.275,"end":3578.595,"confidence":0.99902344,"punctuated_word":"already","sentiment":"neutral","sentiment_score":0.2784443199634552},{"word":"signed","start":3578.595,"end":3578.9949,"confidence":0.857666,"punctuated_word":"signed,","sentiment":"neutral","sentiment_score":0.25839778780937195},{"word":"love","start":3578.9949,"end":3579.4949,"confidence":0.92944336,"punctuated_word":"love.","sentiment":"positive","sentiment_score":0.3815101981163025},{"word":"okay","start":3583.635,"end":3584.135,"confidence":0.99658203,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.16480129957199097},{"word":"yep","start":3584.195,"end":3584.695,"confidence":0.9699707,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08592810481786728},{"word":"yep","start":3590.195,"end":3590.695,"confidence":0.98535156,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3334822654724121},{"word":"alright","start":3595.27,"end":3595.75,"confidence":0.9819336,"punctuated_word":"Alright","sentiment":"neutral","sentiment_score":0.3127446174621582},{"word":"then","start":3595.75,"end":3596.07,"confidence":0.96728516,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":0.3246377110481262},{"word":"lovely","start":3596.07,"end":3596.47,"confidence":0.88183594,"punctuated_word":"Lovely","sentiment":"positive","sentiment_score":0.8164582848548889},{"word":"talking","start":3596.47,"end":3596.79,"confidence":1.0,"punctuated_word":"talking","sentiment":"positive","sentiment_score":0.8495255708694458},{"word":"to","start":3596.79,"end":3596.95,"confidence":1.0,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.8583639860153198},{"word":"you","start":3596.95,"end":3597.1099,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7851423025131226},{"word":"again","start":3597.1099,"end":3597.51,"confidence":0.99609375,"punctuated_word":"again.","sentiment":"positive","sentiment_score":0.7748037576675415},{"word":"thank","start":3597.51,"end":3597.75,"confidence":1.0,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7267682552337646},{"word":"you","start":3597.75,"end":3597.99,"confidence":1.0,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7490568161010742},{"word":"so","start":3597.99,"end":3598.15,"confidence":0.99902344,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.7045421004295349},{"word":"much","start":3598.15,"end":3598.39,"confidence":1.0,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.7480204105377197},{"word":"for","start":3598.39,"end":3598.55,"confidence":0.99902344,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6381386518478394},{"word":"looking","start":3598.55,"end":3598.8699,"confidence":0.99902344,"punctuated_word":"looking","sentiment":"positive","sentiment_score":0.6747955679893494},{"word":"after","start":3598.8699,"end":3599.3699,"confidence":0.9716797,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.1181003600358963},{"word":"it","start":3604.63,"end":3605.03,"confidence":0.85498047,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.18550224602222443},{"word":"okay","start":3605.03,"end":3605.3499,"confidence":0.9975586,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2485954463481903},{"word":"thanks","start":3605.3499,"end":3605.75,"confidence":0.97802734,"punctuated_word":"Thanks,","sentiment":"positive","sentiment_score":0.5824012756347656},{"word":"dana","start":3605.75,"end":3606.23,"confidence":0.9567871,"punctuated_word":"Dana.","sentiment":"positive","sentiment_score":0.5089339017868042},{"word":"bye","start":3606.23,"end":3606.47,"confidence":0.99902344,"punctuated_word":"Bye","sentiment":"neutral","sentiment_score":0.31884196400642395},{"word":"bye","start":3606.47,"end":3606.97,"confidence":0.9951172,"punctuated_word":"bye.","sentiment":"positive","sentiment_score":0.36416518688201904}],"paragraphs":{"transcript":"\nHello. This is Yvonne. I'm good. And yourself? Yes.\n\nGreat. Yep. Yep. Yeah. On our phones.\n\nIs that alright? Yep. Yes. He is. Yeah.\n\nHe's here. Yeah. Not too bad. Let me just yell at this cockatoo. Hold on a minute.\n\nShut up. Stop it. That'll last thirty seconds. He wants to get out. Yeah.\n\nCockatoo. Yeah. It drives us nuts. Okay. We're right.\n\nThere you go. Down in Charlotte. Yep. I got that. Yeah.\n\nThat's fine. Yep. 1964. 30 Green Avenue, Glenley 4711. Mhmm.\n\nYes. Yeah. Yeah. Yeah. Yeah.\n\nTwenty one days and all for seven. Yeah. Three on three on, one off. It's up in the Northern Territory, so they can't afford to come back and forth, I suppose. Hey.\n\nListen. I didn't get anything through on my email, so I don't know. I got yours, but Oh, you've got mine. Trying to do it with Ned and Micron. Yeah.\n\nOkay. That's alright. We'll just do it on his phone. That's okay. Alright.\n\nSign that, Ethan. That's yours. I'm listening to Dana Love. Yeah. I know.\n\nSo she's telling me. Go into there and sign it. Sign that. Yep. Yep.\n\nHe sent me Hold on a minute, Donna. He sent me both of yours. Two of yours, not two of yours. He hasn't got one of his. He's got two emails and both of mine.\n\nOh, it doesn't matter. He's got it. I'm both on the same thing, ma'am. Yeah. I don't I don't get I don't get his emails anymore.\n\nI would like to, but they won't come through on my new phone. I can't set it up. Yeah. I don't know how to do it. He doesn't would Yeah.\n\nMhmm. Yep. Yep. Yeah. I noticed that.\n\nYeah. Yeah. How do I get to that again, ma'am? Page 20. You're the best to be on.\n\nHang on. Hang on. 20. Yep. Page 20.\n\nYeah. Yep. Yeah. I stayed by the longest more than 64,000. Yep.\n\nYep. Yes. Yes. Yeah. Yep.\n\nYep. Yep. Yeah. I think I think it's already gone. Yeah.\n\nIt's got a dim red, but it's all solved. Yeah. Alright. Yep. Yeah.\n\nBecause I kept looking at me net me so far and thinking, I could never retire off this. But anyway Yeah. So if I if I figure out what I should have been paid in super off of my employers, Are you able to have a look to see if it has been all been paid? Yeah. Because I've I've I've every time I go on a Netwealth, I can't see it all being paid.\n\nSo over the last year, I'm gonna go through it, and I'll I'll do up a list. And even if I email it to you and just see if it's all been paid, because I've got I've still got I've still got every time sheet. So yep. Yeah. Yeah.\n\nNo. That's alright. Yeah. Because because out of all the the twelve months, I kept watching me super go down. And I thought, how could that be when Because it's been the market.\n\nYeah. It's yeah. No. I know. But then I think, well, a thousand dollars got paid this week this this week.\n\nSo how can I go down that much? Because it's a market. Yeah. It is the market. I understand that.\n\nBut When the war when the war broke out. Alright. Oh, no. No. Yep.\n\nMister freaking Trump, and he's right our deal. Yeah. Terrible. What what got me, Diana, was the day before the war started, no one even knew the war gonna start. His son bought 30,000,000 shares in oil.\n\nYeah. But I reckon he was tipped off. Of course. He was tipped off. Yeah.\n\nYeah. Yeah. Of course. He's created he's created a fantastic market for for the mall over there. Just ridiculous.\n\nYep. Yep. Yep. Mhmm. Mhmm.\n\nYeah. Mhmm. Yep. Yep. And they're out.\n\nMhmm. Yes. Yep. Yep. Yep.\n\nYep. Yep. Yeah. Yeah. So what is on a a core competent comp composite bond, it's got an oh, you've got shares already in that, have you?\n\nOh, yeah. Yep. Yeah. Right. Yeah.\n\nI see all that. Yeah. I see that it everything in green, you're buying, and everything in red, you're selling. Yep. Yeah.\n\nYep. Yep. Okay. Yep. Yep.\n\nYep. Yep. I can't say that. Yeah. Yep.\n\nYep. Alright. Yes. No. That's okay.\n\nYep. Not a problem. Yep. Yep. Oh, okay.\n\nYep. Yep. Mhmm. Okay. He's just getting it up on his phone.\n\nBefore before we start though, I I because mine's not probably gonna grow because I'm not working anymore, I I can't help but wonder whether I would make more money by putting it all on my house. Yes. Yes. Yeah. Do do I have to pay do I does cap does what did you just say to Peter?\n\nCapital gains come into it when you're just getting it out for retirement purposes? Like, do you still pay cap it does. Yeah. Right. Oh, okay.\n\nYep. Yep. Yep. Yep. Yeah.\n\nOkay. Well, I'm not gonna have any I'm not gonna have much growth because I'm not contributing. You know what I mean? And, like, I I don't know. I'm I would have to it would take me a lot more than what it would take you to figure out what what was worthwhile and what wasn't.\n\nYou know? Like, with the small amount that I've got in super, and you were saying to Peter that it could be 17% at its best, Is that is that what you could I could possibly increase my super buy without con contributions? Oh, his mine would be different. Yeah. Yeah.\n\nYep. But what but what but what does that get what does that get us really? Like, wouldn't it be better off just staying in in his super and being a larger super that we can't get our greedy little hands on? Yeah. I reckon.\n\nI I don't really need to see mine growing and his being less. You know what I mean? It's I just know that I can get at mine. I'm able to get at mine, and would it be better sitting on our our house loan our house loan is almost to 300,000, but that's with money sitting on it. I I already have 80,000 sitting on it.\n\nSo I would be essentially putting another 110 on it if I was to get it all out of super. So it would, you know, would take take it down to about 200,000. And I was just wondering how how much of a savings I would make on interest, paying interest. You know? I don't know.\n\nI just yep. Yep. Yes. Yep. Okay.\n\nI'm on the yep. Mhmm. Yep. Yep. Yep.\n\nYep. Yep. Mhmm. Mhmm. Yes.\n\nYes. Yep. Yep. Mhmm. Yep.\n\nYep. Yes. Mhmm. Yes. Yes.\n\nYes. Yes. Okay. Mhmm. We're pretty confident in you, Dana.\n\nWe're we're happy to go with this what you do for us now. You you're watching you're watching it all the time. Like, as you said, if anything dramatic gonna happen, you'll let me know to get it out. I'm happy with that. Yeah.\n\nSo it's all good. Yeah. Yeah. Yes. Yes.\n\nYep. Alright then. Yep. I got it. Oh, okay.\n\nSo does that mean so gold makes it so when you have it in gold, how does it work for you if it's not coming back to you? I don't understand. I'm a bit dumb. Sorry. When you say income.\n\nMhmm. Yes. Yep. Yep. You would sell it for.\n\nYep. Yep. Okay. And how does that compare to something else? Mhmm.\n\nOkay. Yep. Okay. I'm with you. Okay.\n\nBut that just comes back to super. In goes into your cash. Right. Okay. I'm with you.\n\nYep. Yep. Okay. So so it so it also still is how much you bought it for and how much you could sell it for, but it also is depositing cash into your cash amount. Yeah.\n\nRight. Yeah. Right. Okay. Because I okay.\n\nYeah. I'm with you. Yeah. I've been watching Gold because I have this one little pizzly nugget. It's actually a tail, a t a e l, and it's 37.5 grams.\n\nAnd someone paid it to gave it to me in exchange for me selling something. I'm I think probably only five years ago, and and I I sold a donger for for $2. And he said, you know, would you like the you'd like cash or would you like this piece of gold? And I said, oh, I think I might be interested in gold. So, yeah, that that's worth $8.08 and a half thousand now.\n\nNo. But I wish I had more. More would be better than one little tiny 37.5 grams of gold. Yeah. Yeah.\n\nIt has. Yeah. I've been looking at it. I've been looking at it. When I when I when I when I said yes to it, I did look it up to see if if he was it was my nephew, so I sort of believed him.\n\nI didn't do it there on the spot. But when but when we exchanged it, I did get on and have a look and thought, oh, no. He is right. It is worth that. Yeah.\n\nThat's good. But, yeah, that's been going on. And my daughter, they decided to buy silver, and now they wish they had bought more too. They only bought it last year, and it's already doubled. Two big two ingots, you know, two very large ingots of silver.\n\nBut I said, oh, you you can only we're not rich, so you just do what you know you can afford to lose type of thing. Like, you can you you're not you're not she's not gonna lose, but, you know, she said, oh, geez. I wish we'd have bought more. And I said, yeah. But you didn't you didn't know it was gonna double and go up twice a month.\n\nYou know? Yeah. It's always nice to say it's always nice to say, oh, I should've done it. I should've done it. But had it dropped, they would've been glad they hadn't.\n\nYeah. Well, Maddie did well, Maddie did something herself when it comes to shares as well, but it was just something really little. And she reckons that that's growing too, but she does put a little bit of money into that too. But I think she's sort of holding back to try and she doesn't know when she can swap to use to do anything. I don't I don't know how much money she's got in super, but Keegan has got 40, I think, but she would probably be equivalent to him.\n\nBut she's about ready to go on maternity leave, So I don't know how long that's gonna last. You know? She's gonna probably have twelve months maternity, and then I don't know if she's gonna go back or not to earn more super. Yeah. Yes.\n\nI would I just wish my I just wish my sister would take you up on on I recorded our conversation with you that I had with you so I could play it to her and she said, oh, yeah. It sounds like something we really need to do, but they haven't done anything. They've done nothing. They're just living off their money in the bank, and I just and and she did confide at me and tell me that it's 1 and a half million that they've got to be in the bank. It's probably not earning them anything, Dana.\n\nProbably not earning them anything at all. You know? I don't know. Yeah. Yes.\n\nYes. Yeah. Yeah. Yes. Yes.\n\nYes. I just I just thought the sooner that they did it, the sooner that they could be making money to live off of instead of dwindling it away. You know? I just you know, like, as they spend it, like, at with that amount of money, they can't get anything from the government. Nothing.\n\nSo they must be living they must be living out of their bank. So I just think to myself that, like, you they I think they would be really surprised at how much they don't they wouldn't even have to put all of it in. They wouldn't even have to give you all of their money to manage. So you could just allocate half of it or something. But, you know yeah.\n\nBut, anyway, I haven't really had the chance since I last spoke to you to sit down and say, have you made any decisions? I just know that she hasn't said, hey. Could you set up a meeting with me with Dana? So there's been a little bit there's been a little bit on in the family. So perhaps, you know, once she gets a bit more settled, she might approach me or I might approach her eventually again.\n\nYeah. So that I yeah. Yep. Very secure. Yeah.\n\nYep. Yes. No. Yeah. Yeah.\n\nYep. Yes. Yep. Mhmm. Yep.\n\nMhmm. Mhmm. Yes. Yes. And that all that all came that all came from dividends.\n\nIs that right? Yep. Mhmm. Okay. Okay.\n\nMhmm. Yep. Yep. Yep. All good.\n\nMhmm. Mhmm. Yep. Yep. Mhmm.\n\nNo. Okay. Mhmm. Yes. Yeah.\n\nMhmm. Yeah. I don't expect either of us to let last that long. No. I'm aiming for I reckon I'm aiming for early eighties.\n\nI reckon I'm too much like my mother. No. But but but 90 the 90 sound is very encouraging. So, yeah, you're on a good good track there. Yeah.\n\nMhmm. Yes. Yes. Yeah. The thing is is as you are speaking and saying this over and over again, I'm starting to think that it it will be it won't be ten years.\n\nI really don't think I don't think Peter will I don't think Peter will last another ten years at work. But but, yeah, you've done the figures for ten years, but I I'm I'm thinking it was probably gonna be a bit less. Maybe maybe maybe not. He is only 58. So if he ten years of making 68.\n\nHey. Yeah. Yeah. Yep. Yep.\n\nYeah. Yeah. Unless it changes because can that change, do you think, in the next couple of years? Do you think they can Oh, okay. Yes.\n\nYep. Yes. My sister as well. Not not the one with the not the one with a lot of money, but the one that's struggling down south. She's four years older than me.\n\nSo she's 65 this year, but she has terrible back problems. Well, she's been in the funeral industry. So well, she so she's chopped and changed from being a person who picks up the deceased, which is very hard on the body, to now so then she changed to just doing services. But she said, surprisingly, that's hard on the body as well. You know, getting the bodies to and from, you know, crematoriums and and cemeteries and that.\n\nBut now she's moved to a call center where she's organizing funerals. So she said, I'm hoping I'm hoping I can seek it for another two years, you know, at work. So she has managed to move with the times, but, you know, when she was doing transfers where she'd wake up in the middle of the night and have to go and pick up a body, And she said, yes. Yes. You've got two people working, but she said, my back's just killing me.\n\nYeah. And she's she's always had terrible back problems. So she's been lucky though that she's now transitioned to just sitting at a desk, taking phone calls, but she's still got a time made the last two years. It's a long time, isn't it, before you can access a pension? You know?\n\nAnd her husband's her husband's 13 years older than her, so he's been on a pension. And then and and yeah, she's she's battling. So I can imagine if your mom's in aged care. My god. Yeah.\n\nHard work. Yep. Yeah. Yep. Yep.\n\nHow does it get on, though? I thought I would not be eligible while Peter was still working. Not at all. Yeah. Yep.\n\nMhmm. Okay. Of course. Yep. Yeah.\n\nYep. Mhmm. Yep. Yep. Yep.\n\nThe trick the trick will be this not to have any assets other than your house, say, by the time you retire. Really? Essentially? Okay. Okay.\n\nCool. Righto. Good to know. Yeah. Give the most.\n\nBecause that is another thing that I found of Veronica, my sister, the one who just sold her business and everything. I always thought that she had no super. She said, no. No. We do have super.\n\nIt's not much, but we do have a super fund. I said, oh, okay. Well, that's that is good to know because, yeah, it might give you something more to work with if ever I can convince her to talk to you. Yeah. Okay then.\n\nYes. Alright. We had just had a small chat recently about life insurance. We were starting to wonder whether we should stop it. What's your views on that?\n\nYep. Still got that. Yep. Later on. It would have to yeah.\n\nI don't ever wanna leave here because we're the area that I live is just beautiful, and we have a lot of we don't have close neighbors because of two and a half acres. But it's a six bedroom, three bathroom house, and I can't look after it now. So by the time because I've just moved Veronica and George and they are in their seventies, Veronica's ten years older than me, I said to her, god. I don't wanna be doing this in ten years. But it's a terrible thought that you have to leave the house that you really love just because it's big.\n\nYou know? Yep. So I don't know whether we just close off rooms and don't venture into it. And and Karl, that's what we gotta do. Karl Karl Karl Karl.\n\nBecause when you see people when I was packing for Veronica, I just, you know, I just thought, oh, I don't wanna be doing this. Like, packing drawers and drawers of shit. Because you really don't you really you really don't need it, And I was just thinking, oh, I I just need to start calling now so that all my cupboards in the house and, you know, the the things you have your TV standing on and all the drawers and cupboards and everything have nothing in it instead of all the shit that you accumulate and you don't ever look at and you don't want or need or anything like that. But I guess the reason why we were able to refinance was is because they did ask us the question. Well, my finance broker who I went through to get a loan, he he said I've put it to them that Peter's gonna work another ten years.\n\nAnd, you know, when you're refinancing a loan at the age of 60 for a thirty year loan, they have to know you're not gonna work. So the so so Troy sort of said, you know, it's it's what I'm putting towards them is that when you retire, you will sell, and you will pay off the loan, and you'll purchase something smaller. And I said, and that is probably what exactly what's gonna happen, Troy. That is probably right. You know?\n\nSo that that is what the future looks like that if we don't get the house paid off before we retire, then that, of course, is exactly what we would have to do. Yeah. Yeah. Yeah. Yep.\n\nThey are. Yep. Yep. And and that must that must have all been put to them because Troy came back and said, oh, look. I just told them that you have no intentions of being in this six bedroom, three bathroom house in ten years' time.\n\nAnd but you know the sad thing, Dana, is that our our insurance is 500 a month. That's the because of how much our house is insured for. But I said to I said to Peter, I wanna have a chat to our insurance broker because brokers have brokers everywhere. And we were I was chatting to him, and I said, look, How how does insurance work? I always thought that you couldn't under insure.\n\nAnd he said, no. You're not supposed to under insure. I said, because it's like this. If this house was to burn down, god forbid, we don't have all children at home anymore, so we wouldn't need to build a house as big. And he said, no.\n\nThat's exactly right. You could build a house for a lot less. You know? So he he took it to the insurance company, and we've just heard back that they won't do it because it would be underinsuring. So now we're now we're battling with them to say, hold on a minute.\n\nWe've got it insured for 1,700,000, but that's what we would sell it for. The land itself would have to be worth something. Like, you know, like, we wanna lessen the amount that we had it insured for. So, surely, we if we were to sell it oh, I don't think we'd get 1.7 to even sell, to be honest. I think we'd only get one one point three maybe.\n\nSo you take the land off that. I reckon we should be able to insure it for a million, but at the moment, they don't wanna do it. So so we're in a bit of a catch at the moment. Yeah. Don't know what to do about it.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nIt's well, we've got no chance of flood where we live because we're high up on a little bit of a, you know, hill type thing, but our insurance is 5,000 a year. Yeah. So we have to pay it monthly monthly now because I I just can't find that money. You know? But I well, I started thinking about it and just put it to our broker, our insurance broker, and I said, look.\n\nTo rebuild, we don't have to have a 500 square meter under roof house. We don't have to. We we can build whatever we like. And he said, no. That's exactly right.\n\nBut, yeah, they we just got an email the other day saying that insurance company was saying, no. No. We don't like that. We don't like that you're underinsuring. But, yeah, that was to rebuild a house while we had kids all living here with partners and and other ring ins.\n\nYou know? Like, we would need to would have needed to rebuild this size house, but we've just had Maddie and her partner move out. And, you know, our other son's moved out, and another one's thinking of buying. And so, you know, I said we wouldn't we wouldn't have to rebuild this size house, so why do we have to insure it? But apparently apparently, they're wanting us to do that.\n\nYeah. So he's gonna take it back to them and say to resell it, they wouldn't get 1,700,000 and see what they say then. Yeah. I just don't know. I haven't put the I haven't put the option to him to say, look, if you started again with another company, a different a different insurer, couldn't you start fresh and say, this is what my house and this is what I wanna insure it for, and this is what I want the contents for, or do they have to know the be all and end all of what you had insured for the last people?\n\nI don't know how it works. Yeah. No. You haven't had to disclose. Yeah.\n\nYeah. Yeah. They couldn't go by what they couldn't go by what we bought it for because, you know, back in the day when we bought it, we thought we were kings and queens. I said, oh, we're really, you know, gonna be going over our budget here, but we love the house so much. And and now you can't buy a house in flood stricken area in Rockhampton for what we bought it for.\n\nThe what what we bought this for is just an a a 50 year old house now. You know, like, skyrocketed so much, and there's nothing available. So even the the dregs of the of the city are up around the $600,000 mark. Terrible. Okay.\n\nYep. Mhmm. Yeah. Yeah. The compounding name.\n\nYep. Yep. Hi, Caleb. Mhmm. Yep.\n\nOkay then. Yeah. Sounds good. I think Peter's already made me sign it. I don't know.\n\nYou probably got him back already. Yeah. He's already it's already signed, love. Okay. Yep.\n\nYep. Alright then. Lovely talking to you again. Thank you so much for looking after it. Okay.\n\nThanks, Dana. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":2.3999999,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.038750775158405304},{"text":"This is Yvonne.","start":2.6399999,"end":3.54,"sentiment":"neutral","sentiment_score":0.042924334605534874},{"text":"I'm good.","start":8.24,"end":8.72,"sentiment":"positive","sentiment_score":0.45341555774211884},{"text":"And yourself?","start":8.72,"end":9.46,"sentiment":"neutral","sentiment_score":0.29871784150600433},{"text":"Yes.","start":17.835,"end":18.335,"sentiment":"neutral","sentiment_score":0.2292812615633011}],"sentiment":"neutral","sentiment_score":0.21123020433717304,"num_words":9,"start":2.3999999,"end":18.335},{"sentences":[{"text":"Great.","start":18.395,"end":18.875,"sentiment":"positive","sentiment_score":0.45328083634376526},{"text":"Yep.","start":18.875,"end":19.375,"sentiment":"neutral","sentiment_score":0.1845758855342865},{"text":"Yep.","start":27.355,"end":27.855,"sentiment":"neutral","sentiment_score":0.08275201916694641},{"text":"Yeah.","start":29.035,"end":29.275,"sentiment":"neutral","sentiment_score":0.0336044505238533},{"text":"On our phones.","start":29.275,"end":29.994999,"sentiment":"neutral","sentiment_score":0.02600337192416191}],"sentiment":"neutral","sentiment_score":0.11888904390590531,"num_words":7,"start":18.395,"end":29.994999},{"sentences":[{"text":"Is that alright?","start":29.994999,"end":30.814999,"sentiment":"neutral","sentiment_score":0.0535945234199365},{"text":"Yep.","start":31.41,"end":31.91,"sentiment":"neutral","sentiment_score":0.12851761281490326},{"text":"Yes.","start":37.25,"end":37.57,"sentiment":"neutral","sentiment_score":0.07809844613075256},{"text":"He is.","start":37.57,"end":38.05,"sentiment":"neutral","sentiment_score":0.08436199650168419},{"text":"Yeah.","start":38.05,"end":38.29,"sentiment":"neutral","sentiment_score":0.09355397522449492}],"sentiment":"neutral","sentiment_score":0.07870969967916608,"num_words":8,"start":29.994999,"end":38.29},{"sentences":[{"text":"He's here.","start":38.29,"end":39.11,"sentiment":"neutral","sentiment_score":0.12496135383844376},{"text":"Yeah.","start":44.545002,"end":44.865,"sentiment":"neutral","sentiment_score":0.03567981347441673},{"text":"Not too bad.","start":44.865,"end":45.585,"sentiment":"neutral","sentiment_score":-0.03238178292910258},{"text":"Let me just yell at this cockatoo.","start":45.585,"end":47.125,"sentiment":"neutral","sentiment_score":-0.16026435686009272},{"text":"Hold on a minute.","start":47.265,"end":48.245,"sentiment":"neutral","sentiment_score":-0.06332334037870169}],"sentiment":"neutral","sentiment_score":-0.06980509924537995,"num_words":17,"start":38.29,"end":48.245},{"sentences":[{"text":"Shut up.","start":49.025,"end":50.365,"sentiment":"neutral","sentiment_score":-0.06529690511524677},{"text":"Stop it.","start":50.705,"end":51.525,"sentiment":"neutral","sentiment_score":-0.0625796914100647},{"text":"That'll last thirty seconds.","start":53.825,"end":55.205,"sentiment":"neutral","sentiment_score":-0.032002175226807594},{"text":"He wants to get out.","start":57.99,"end":59.21,"sentiment":"neutral","sentiment_score":-0.04697171375155449},{"text":"Yeah.","start":62.23,"end":62.71,"sentiment":"neutral","sentiment_score":-0.06939782947301865}],"sentiment":"neutral","sentiment_score":-0.049144163727760315,"num_words":14,"start":49.025,"end":62.71},{"sentences":[{"text":"Cockatoo.","start":62.71,"end":63.21,"sentiment":"neutral","sentiment_score":-0.1460191309452057},{"text":"Yeah.","start":63.350002,"end":63.670002,"sentiment":"neutral","sentiment_score":-0.2185385823249817},{"text":"It drives us nuts.","start":63.670002,"end":64.81,"sentiment":"negative","sentiment_score":-0.40792885422706604},{"text":"Okay.","start":68.47,"end":68.95,"sentiment":"neutral","sentiment_score":-0.011509767733514307},{"text":"We're right.","start":68.95,"end":69.770004,"sentiment":"neutral","sentiment_score":0.00531994178891182}],"sentiment":"neutral","sentiment_score":-0.22190477937046024,"num_words":9,"start":62.71,"end":69.770004},{"sentences":[{"text":"There you go.","start":70.795,"end":71.435,"sentiment":"neutral","sentiment_score":0.04808677484591802},{"text":"Down in Charlotte.","start":71.435,"end":72.395,"sentiment":"neutral","sentiment_score":0.01945028578241666},{"text":"Yep.","start":72.395,"end":72.875,"sentiment":"neutral","sentiment_score":0.03191940858960152},{"text":"I got that.","start":72.875,"end":73.774994,"sentiment":"neutral","sentiment_score":0.060825722912947335},{"text":"Yeah.","start":85.18,"end":85.42,"sentiment":"neutral","sentiment_score":0.06671995669603348}],"sentiment":"neutral","sentiment_score":0.043975246900861915,"num_words":11,"start":70.795,"end":85.42},{"sentences":[{"text":"That's fine.","start":85.42,"end":86.14,"sentiment":"neutral","sentiment_score":0.10372906178236008},{"text":"Yep.","start":86.14,"end":86.64,"sentiment":"neutral","sentiment_score":0.14916947484016418},{"text":"1964.","start":93.66,"end":96.06,"sentiment":"neutral","sentiment_score":0.013807646930217745},{"text":"30 Green Avenue, Glenley 4711.","start":96.06,"end":98.96,"sentiment":"neutral","sentiment_score":0.02247184459120035},{"text":"Mhmm.","start":102.424995,"end":102.924995,"sentiment":"neutral","sentiment_score":0.006247250363230705}],"sentiment":"neutral","sentiment_score":0.04890417186543346,"num_words":10,"start":85.42,"end":102.924995},{"sentences":[{"text":"Yes.","start":118.950005,"end":119.450005,"sentiment":"neutral","sentiment_score":-0.0032628928311169147},{"text":"Yeah.","start":146.25,"end":146.56999,"sentiment":"neutral","sentiment_score":0.0887596383690834},{"text":"Yeah.","start":146.56999,"end":147.06999,"sentiment":"neutral","sentiment_score":0.14467287063598633},{"text":"Yeah.","start":147.76999,"end":148.26999,"sentiment":"positive","sentiment_score":0.3758338689804077},{"text":"Yeah.","start":154.10501,"end":154.60501,"sentiment":"neutral","sentiment_score":0.06456314027309418}],"sentiment":"neutral","sentiment_score":0.13411332508549095,"num_words":5,"start":118.950005,"end":154.60501},{"sentences":[{"text":"Twenty one days and all for seven.","start":154.905,"end":156.845,"sentiment":"neutral","sentiment_score":0.057288682354348044},{"text":"Yeah.","start":157.065,"end":157.565,"sentiment":"neutral","sentiment_score":0.043414708226919174},{"text":"Three on three on, one off.","start":157.625,"end":159.405,"sentiment":"neutral","sentiment_score":0.010795252630487084},{"text":"It's up in the Northern Territory, so they can't afford to come back and forth, I suppose.","start":159.865,"end":165.2,"sentiment":"neutral","sentiment_score":-0.07163504034499912},{"text":"Hey.","start":166.3,"end":166.54,"sentiment":"neutral","sentiment_score":-0.00950931292027235}],"sentiment":"neutral","sentiment_score":-0.022440562446718104,"num_words":32,"start":154.905,"end":166.54},{"sentences":[{"text":"Listen.","start":166.54,"end":166.86,"sentiment":"neutral","sentiment_score":-0.012448291294276714},{"text":"I didn't get anything through on my email, so I don't know.","start":166.86,"end":169.5,"sentiment":"neutral","sentiment_score":-0.07183907553553581},{"text":"I got yours, but Oh, you've got mine.","start":169.5,"end":172.0,"sentiment":"neutral","sentiment_score":-0.02739825868047774},{"text":"Trying to do it with Ned and Micron.","start":180.735,"end":182.195,"sentiment":"neutral","sentiment_score":0.014165781089104712},{"text":"Yeah.","start":183.21501,"end":183.71501,"sentiment":"neutral","sentiment_score":0.009776790626347063}],"sentiment":"neutral","sentiment_score":-0.03235334092751145,"num_words":30,"start":166.54,"end":183.71501},{"sentences":[{"text":"Okay.","start":185.295,"end":185.795,"sentiment":"neutral","sentiment_score":0.04927658289670944},{"text":"That's alright.","start":185.935,"end":186.57501,"sentiment":"neutral","sentiment_score":0.07796857506036758},{"text":"We'll just do it on his phone.","start":186.57501,"end":188.095,"sentiment":"neutral","sentiment_score":0.08068306211914335},{"text":"That's okay.","start":188.095,"end":188.91501,"sentiment":"neutral","sentiment_score":0.11133208870887756},{"text":"Alright.","start":193.33,"end":193.83,"sentiment":"neutral","sentiment_score":0.0508098304271698}],"sentiment":"neutral","sentiment_score":0.08026685966895176,"num_words":13,"start":185.295,"end":193.83},{"sentences":[{"text":"Sign that, Ethan.","start":194.05,"end":195.11,"sentiment":"neutral","sentiment_score":0.10189149528741837},{"text":"That's yours.","start":195.25,"end":196.05,"sentiment":"neutral","sentiment_score":0.17168136686086655},{"text":"I'm listening to Dana Love.","start":196.05,"end":197.33,"sentiment":"neutral","sentiment_score":0.14381847977638246},{"text":"Yeah.","start":197.33,"end":197.65,"sentiment":"neutral","sentiment_score":0.11404405534267426},{"text":"I know.","start":197.65,"end":198.23,"sentiment":"neutral","sentiment_score":0.08454610407352448}],"sentiment":"neutral","sentiment_score":0.1270204524581249,"num_words":13,"start":194.05,"end":198.23},{"sentences":[{"text":"So she's telling me.","start":198.61,"end":199.81,"sentiment":"neutral","sentiment_score":0.09318184666335583},{"text":"Go into there and sign it.","start":199.81,"end":200.93,"sentiment":"neutral","sentiment_score":0.1145271547138691},{"text":"Sign that.","start":200.93,"end":201.83,"sentiment":"neutral","sentiment_score":0.20517706125974655},{"text":"Yep.","start":227.67,"end":228.17,"sentiment":"neutral","sentiment_score":0.24521641433238983},{"text":"Yep.","start":239.78499,"end":240.28499,"sentiment":"neutral","sentiment_score":0.18308916687965393}],"sentiment":"neutral","sentiment_score":0.13561071561915533,"num_words":14,"start":198.61,"end":240.28499},{"sentences":[{"text":"He sent me Hold on a minute, Donna.","start":256.85,"end":259.815,"sentiment":"neutral","sentiment_score":0.0328355235978961},{"text":"He sent me both of yours.","start":260.515,"end":262.135,"sentiment":"neutral","sentiment_score":0.02736164505283038},{"text":"Two of yours, not two of yours.","start":264.275,"end":265.715,"sentiment":"neutral","sentiment_score":0.002787461462763271},{"text":"He hasn't got one of his.","start":265.715,"end":267.075,"sentiment":"neutral","sentiment_score":-0.029917712633808453},{"text":"He's got two emails and both of mine.","start":267.075,"end":269.23502,"sentiment":"neutral","sentiment_score":-0.011261359206400812}],"sentiment":"neutral","sentiment_score":0.005050546853869621,"num_words":35,"start":256.85,"end":269.23502},{"sentences":[{"text":"Oh, it doesn't matter.","start":269.23502,"end":270.435,"sentiment":"neutral","sentiment_score":0.012038087472319603},{"text":"He's got it.","start":270.435,"end":271.335,"sentiment":"neutral","sentiment_score":0.027248732124765713},{"text":"I'm both on the same thing, ma'am.","start":277.33,"end":280.22998,"sentiment":"neutral","sentiment_score":0.04831395670771599},{"text":"Yeah.","start":289.695,"end":289.935,"sentiment":"neutral","sentiment_score":0.0021348614245653152},{"text":"I don't I don't get I don't get his emails anymore.","start":289.935,"end":292.515,"sentiment":"neutral","sentiment_score":-0.22122258760712363}],"sentiment":"neutral","sentiment_score":-0.07550835996293105,"num_words":26,"start":269.23502,"end":292.515},{"sentences":[{"text":"I would like to, but they won't come through on my new phone.","start":292.73502,"end":295.635,"sentiment":"neutral","sentiment_score":-0.19297645756831536},{"text":"I can't set it up.","start":296.495,"end":297.61502,"sentiment":"neutral","sentiment_score":-0.2580451309680939},{"text":"Yeah.","start":297.61502,"end":297.855,"sentiment":"neutral","sentiment_score":-0.2004072070121765},{"text":"I don't know how to do it.","start":297.855,"end":299.23502,"sentiment":"neutral","sentiment_score":-0.27673255120004925},{"text":"He doesn't would Yeah.","start":299.45502,"end":305.69,"sentiment":"neutral","sentiment_score":-0.24402444623410702}],"sentiment":"neutral","sentiment_score":-0.23041841511925062,"num_words":30,"start":292.73502,"end":305.69},{"sentences":[{"text":"Mhmm.","start":312.735,"end":313.235,"sentiment":"neutral","sentiment_score":0.08434756100177765},{"text":"Yep.","start":320.2575,"end":320.7575,"sentiment":"neutral","sentiment_score":0.19827011227607727},{"text":"Yep.","start":343.285,"end":343.785,"sentiment":"neutral","sentiment_score":0.1809956431388855},{"text":"Yeah.","start":361.92,"end":362.32,"sentiment":"neutral","sentiment_score":-0.13675159215927124},{"text":"I noticed that.","start":362.32,"end":363.44,"sentiment":"neutral","sentiment_score":-0.13335954149564108}],"sentiment":"neutral","sentiment_score":-0.01045955717563629,"num_words":7,"start":312.735,"end":363.44},{"sentences":[{"text":"Yeah.","start":363.44,"end":363.94,"sentiment":"neutral","sentiment_score":-0.10320550203323364},{"text":"Yeah.","start":390.06,"end":390.56,"sentiment":"neutral","sentiment_score":0.050999753177165985},{"text":"How do I get to that again, ma'am?","start":392.3,"end":394.4,"sentiment":"neutral","sentiment_score":-0.029559089452959597},{"text":"Page 20.","start":394.46,"end":395.18,"sentiment":"neutral","sentiment_score":-0.004326515598222613},{"text":"You're the best to be on.","start":395.18,"end":396.48,"sentiment":"neutral","sentiment_score":-0.0009700373436013857}],"sentiment":"neutral","sentiment_score":-0.016841762207655445,"num_words":18,"start":363.44,"end":396.48},{"sentences":[{"text":"Hang on.","start":398.865,"end":401.345,"sentiment":"neutral","sentiment_score":-0.0419245595112443},{"text":"Hang on.","start":401.345,"end":401.905,"sentiment":"neutral","sentiment_score":-0.016682136803865433},{"text":"20.","start":401.905,"end":402.38498,"sentiment":"neutral","sentiment_score":-0.00538397254422307},{"text":"Yep.","start":402.38498,"end":402.88498,"sentiment":"neutral","sentiment_score":-0.0004932554438710213},{"text":"Page 20.","start":402.94498,"end":403.745,"sentiment":"neutral","sentiment_score":-0.0017845488619059324}],"sentiment":"neutral","sentiment_score":-0.015832464792765677,"num_words":8,"start":398.865,"end":403.745},{"sentences":[{"text":"Yeah.","start":403.745,"end":404.245,"sentiment":"neutral","sentiment_score":0.00774448923766613},{"text":"Yep.","start":427.685,"end":428.185,"sentiment":"neutral","sentiment_score":-0.016311969608068466},{"text":"Yeah.","start":440.86002,"end":441.1,"sentiment":"neutral","sentiment_score":0.10083065927028656},{"text":"I stayed by the longest more than 64,000.","start":441.1,"end":444.16,"sentiment":"neutral","sentiment_score":0.10859537869691849},{"text":"Yep.","start":455.655,"end":456.155,"sentiment":"neutral","sentiment_score":0.10837997496128082}],"sentiment":"neutral","sentiment_score":0.08911718195304275,"num_words":12,"start":403.745,"end":456.155},{"sentences":[{"text":"Yep.","start":469.73,"end":470.23,"sentiment":"neutral","sentiment_score":0.24145612120628357},{"text":"Yes.","start":494.05,"end":494.44998,"sentiment":"neutral","sentiment_score":0.13089245557785034},{"text":"Yes.","start":494.44998,"end":494.94998,"sentiment":"neutral","sentiment_score":0.12129124999046326},{"text":"Yeah.","start":515.215,"end":515.715,"sentiment":"neutral","sentiment_score":0.09491142630577087},{"text":"Yep.","start":536.615,"end":537.115,"sentiment":"neutral","sentiment_score":0.23038575053215027}],"sentiment":"neutral","sentiment_score":0.16378740072250367,"num_words":5,"start":469.73,"end":537.115},{"sentences":[{"text":"Yep.","start":549.99,"end":550.49,"sentiment":"positive","sentiment_score":0.43990811705589294},{"text":"Yep.","start":559.11,"end":559.61,"sentiment":"neutral","sentiment_score":0.0778459757566452},{"text":"Yeah.","start":579.1,"end":579.6,"sentiment":"neutral","sentiment_score":0.08209101855754852},{"text":"I think I think it's already gone.","start":580.94,"end":584.14,"sentiment":"neutral","sentiment_score":-0.03179828183991568},{"text":"Yeah.","start":584.14,"end":584.38,"sentiment":"neutral","sentiment_score":-0.0715126246213913}],"sentiment":"neutral","sentiment_score":0.02779495580629869,"num_words":11,"start":549.99,"end":584.38},{"sentences":[{"text":"It's got a dim red, but it's all solved.","start":584.38,"end":587.5,"sentiment":"neutral","sentiment_score":-0.07642989936802122},{"text":"Yeah.","start":587.5,"end":588.0,"sentiment":"neutral","sentiment_score":-0.018903687596321102},{"text":"Alright.","start":593.205,"end":593.705,"sentiment":"neutral","sentiment_score":0.006853861268609762},{"text":"Yep.","start":594.965,"end":595.465,"sentiment":"neutral","sentiment_score":-0.03342389687895775},{"text":"Yeah.","start":601.445,"end":601.765,"sentiment":"neutral","sentiment_score":-0.015049897134304048}],"sentiment":"neutral","sentiment_score":-0.057568670357935704,"num_words":13,"start":584.38,"end":601.765},{"sentences":[{"text":"Because I kept looking at me net me so far and thinking, I could never retire off this.","start":601.765,"end":607.63995,"sentiment":"neutral","sentiment_score":-0.13069288887911373},{"text":"But anyway Yeah.","start":609.45996,"end":619.0,"sentiment":"neutral","sentiment_score":0.004239832361539205},{"text":"So if I if I figure out what I should have been paid in super off of my employers, Are you able to have a look to see if it has been all been paid?","start":624.125,"end":636.14996,"sentiment":"neutral","sentiment_score":-0.04315010458230972},{"text":"Yeah.","start":639.25,"end":639.64996,"sentiment":"neutral","sentiment_score":-0.008765436708927155},{"text":"Because I've I've I've every time I go on a Netwealth, I can't see it all being paid.","start":639.64996,"end":646.31,"sentiment":"neutral","sentiment_score":-0.11128364213638836}],"sentiment":"neutral","sentiment_score":-0.07815836211045583,"num_words":75,"start":601.765,"end":646.31},{"sentences":[{"text":"So over the last year, I'm gonna go through it, and I'll I'll do up a list.","start":648.635,"end":652.555,"sentiment":"neutral","sentiment_score":0.02580550526652266},{"text":"And even if I email it to you and just see if it's all been paid, because I've got I've still got I've still got every time sheet.","start":652.555,"end":659.995,"sentiment":"neutral","sentiment_score":0.17868963865164136},{"text":"So yep.","start":659.995,"end":670.17,"sentiment":"neutral","sentiment_score":0.20358572155237198},{"text":"Yeah.","start":673.50995,"end":674.00995,"sentiment":"neutral","sentiment_score":0.16320890188217163},{"text":"Yeah.","start":676.325,"end":676.645,"sentiment":"neutral","sentiment_score":0.048451658338308334}],"sentiment":"neutral","sentiment_score":0.12369051990004218,"num_words":49,"start":648.635,"end":676.645},{"sentences":[{"text":"No.","start":676.645,"end":676.805,"sentiment":"neutral","sentiment_score":-0.003523770719766617},{"text":"That's alright.","start":676.805,"end":677.60504,"sentiment":"neutral","sentiment_score":0.04275023750960827},{"text":"Yeah.","start":677.60504,"end":678.10504,"sentiment":"neutral","sentiment_score":0.11260540783405304},{"text":"Because because out of all the the twelve months, I kept watching me super go down.","start":678.645,"end":683.84503,"sentiment":"neutral","sentiment_score":-0.05009891279041767},{"text":"And I thought, how could that be when Because it's been the market.","start":683.84503,"end":687.22504,"sentiment":"neutral","sentiment_score":-0.08731939156468098}],"sentiment":"neutral","sentiment_score":-0.052792502510728256,"num_words":33,"start":676.645,"end":687.22504},{"sentences":[{"text":"Yeah.","start":687.41003,"end":687.73004,"sentiment":"neutral","sentiment_score":-0.0042502544820308685},{"text":"It's yeah.","start":687.73004,"end":688.53,"sentiment":"neutral","sentiment_score":-0.009185026865452528},{"text":"No.","start":688.53,"end":688.77,"sentiment":"neutral","sentiment_score":-0.11273671686649324},{"text":"I know.","start":688.77,"end":689.49,"sentiment":"neutral","sentiment_score":-0.09562645480036736},{"text":"But then I think, well, a thousand dollars got paid this week this this week.","start":689.49,"end":694.63,"sentiment":"neutral","sentiment_score":-0.05675335104266802}],"sentiment":"neutral","sentiment_score":-0.05609096192000877,"num_words":21,"start":687.41003,"end":694.63},{"sentences":[{"text":"So how can I go down that much?","start":694.69,"end":696.85004,"sentiment":"neutral","sentiment_score":-0.11847646161913872},{"text":"Because it's a market.","start":696.85004,"end":697.73004,"sentiment":"neutral","sentiment_score":-0.07516955956816673},{"text":"Yeah.","start":697.73004,"end":697.97003,"sentiment":"neutral","sentiment_score":-0.014848317950963974},{"text":"It is the market.","start":697.97003,"end":698.85004,"sentiment":"neutral","sentiment_score":-0.03287038952112198},{"text":"I understand that.","start":698.85004,"end":700.15,"sentiment":"neutral","sentiment_score":-0.03409852211674055}],"sentiment":"neutral","sentiment_score":-0.0748557686805725,"num_words":20,"start":694.69,"end":700.15},{"sentences":[{"text":"But When the war when the war broke out.","start":700.37,"end":702.615,"sentiment":"neutral","sentiment_score":-0.06512253586616781},{"text":"Alright.","start":704.295,"end":704.795,"sentiment":"neutral","sentiment_score":0.009606562554836271},{"text":"Oh, no.","start":706.375,"end":706.695,"sentiment":"neutral","sentiment_score":-0.07525199837982655},{"text":"No.","start":706.695,"end":706.77496,"sentiment":"neutral","sentiment_score":-0.09428369253873824},{"text":"Yep.","start":706.77496,"end":707.27496,"sentiment":"neutral","sentiment_score":-0.05602021515369415}],"sentiment":"neutral","sentiment_score":-0.06266458319233996,"num_words":14,"start":700.37,"end":707.27496},{"sentences":[{"text":"Mister freaking Trump, and he's right our deal.","start":708.375,"end":711.27496,"sentiment":"neutral","sentiment_score":-0.1237812228500843},{"text":"Yeah.","start":724.45,"end":724.85004,"sentiment":"neutral","sentiment_score":-0.1211136132478714},{"text":"Terrible.","start":724.85004,"end":725.35004,"sentiment":"neutral","sentiment_score":-0.1601186841726303},{"text":"What what got me, Diana, was the day before the war started, no one even knew the war gonna start.","start":725.57,"end":732.485,"sentiment":"neutral","sentiment_score":-0.12130692489445209},{"text":"His son bought 30,000,000 shares in oil.","start":732.485,"end":735.305,"sentiment":"neutral","sentiment_score":-0.027683214683617865}],"sentiment":"neutral","sentiment_score":-0.10517305624042009,"num_words":37,"start":708.375,"end":735.305},{"sentences":[{"text":"Yeah.","start":740.165,"end":740.485,"sentiment":"neutral","sentiment_score":-0.00394229032099247},{"text":"But I reckon he was tipped off.","start":740.485,"end":742.245,"sentiment":"neutral","sentiment_score":-0.10219781420060567},{"text":"Of course.","start":742.245,"end":742.565,"sentiment":"neutral","sentiment_score":-0.03971831686794758},{"text":"He was tipped off.","start":742.565,"end":743.625,"sentiment":"neutral","sentiment_score":-0.052569049410521984},{"text":"Yeah.","start":757.02,"end":757.52,"sentiment":"neutral","sentiment_score":0.03278403729200363}],"sentiment":"neutral","sentiment_score":-0.06508371892074744,"num_words":15,"start":740.165,"end":757.52},{"sentences":[{"text":"Yeah.","start":766.905,"end":767.385,"sentiment":"neutral","sentiment_score":0.03936922922730446},{"text":"Yeah.","start":767.385,"end":767.625,"sentiment":"neutral","sentiment_score":0.08333691954612732},{"text":"Of course.","start":767.625,"end":768.28503,"sentiment":"neutral","sentiment_score":0.13977446034550667},{"text":"He's created he's created a fantastic market for for the mall over there.","start":768.34503,"end":773.385,"sentiment":"neutral","sentiment_score":0.3015263739686746},{"text":"Just ridiculous.","start":773.385,"end":774.04504,"sentiment":"neutral","sentiment_score":0.18194083124399185}],"sentiment":"neutral","sentiment_score":0.2466305049234315,"num_words":19,"start":766.905,"end":774.04504},{"sentences":[{"text":"Yep.","start":788.28,"end":788.78,"sentiment":"neutral","sentiment_score":0.15043678879737854},{"text":"Yep.","start":814.45996,"end":814.95996,"sentiment":"positive","sentiment_score":0.33564791083335876},{"text":"Yep.","start":823.95496,"end":824.45496,"sentiment":"neutral","sentiment_score":0.05977819487452507},{"text":"Mhmm.","start":824.755,"end":825.235,"sentiment":"neutral","sentiment_score":0.031078120693564415},{"text":"Mhmm.","start":825.235,"end":825.735,"sentiment":"neutral","sentiment_score":0.050569258630275726}],"sentiment":"neutral","sentiment_score":0.1255020547658205,"num_words":5,"start":788.28,"end":825.735},{"sentences":[{"text":"Yeah.","start":843.48004,"end":843.975,"sentiment":"neutral","sentiment_score":-0.047615982592105865},{"text":"Mhmm.","start":843.975,"end":844.475,"sentiment":"neutral","sentiment_score":-0.013615421019494534},{"text":"Yep.","start":851.64746,"end":852.14746,"sentiment":"neutral","sentiment_score":0.01681475155055523},{"text":"Yep.","start":870.04,"end":870.54,"sentiment":"neutral","sentiment_score":0.18148377537727356},{"text":"And they're out.","start":892.14,"end":893.2,"sentiment":"neutral","sentiment_score":-0.06800458207726479}],"sentiment":"neutral","sentiment_score":-0.009563803273652282,"num_words":7,"start":843.48004,"end":893.2},{"sentences":[{"text":"Mhmm.","start":898.565,"end":899.065,"sentiment":"neutral","sentiment_score":-0.006838519126176834},{"text":"Yes.","start":903.925,"end":904.40497,"sentiment":"neutral","sentiment_score":0.017824968323111534},{"text":"Yep.","start":904.40497,"end":904.90497,"sentiment":"neutral","sentiment_score":0.04531222581863403},{"text":"Yep.","start":905.125,"end":905.625,"sentiment":"neutral","sentiment_score":0.054582856595516205},{"text":"Yep.","start":914.92,"end":915.42,"sentiment":"neutral","sentiment_score":0.16217200458049774}],"sentiment":"neutral","sentiment_score":0.054610707238316535,"num_words":5,"start":898.565,"end":915.42},{"sentences":[{"text":"Yep.","start":928.075,"end":928.575,"sentiment":"neutral","sentiment_score":0.17664282023906708},{"text":"Yep.","start":937.61,"end":938.11,"sentiment":"neutral","sentiment_score":0.27539825439453125},{"text":"Yeah.","start":964.74005,"end":965.24005,"sentiment":"neutral","sentiment_score":0.2012367844581604},{"text":"Yeah.","start":975.54004,"end":976.04004,"sentiment":"neutral","sentiment_score":0.0728129893541336},{"text":"So what is on a a core competent comp composite bond, it's got an oh, you've got shares already in that, have you?","start":976.305,"end":989.125,"sentiment":"neutral","sentiment_score":0.24021912009819693}],"sentiment":"neutral","sentiment_score":0.23152335595201562,"num_words":27,"start":928.075,"end":989.125},{"sentences":[{"text":"Oh, yeah.","start":994.49,"end":995.05,"sentiment":"neutral","sentiment_score":0.029446342960000038},{"text":"Yep.","start":995.05,"end":995.55,"sentiment":"neutral","sentiment_score":0.12303261458873747},{"text":"Yeah.","start":998.17,"end":998.57,"sentiment":"neutral","sentiment_score":0.09248106181621552},{"text":"Right.","start":998.57,"end":998.89,"sentiment":"neutral","sentiment_score":0.0994858741760254},{"text":"Yeah.","start":998.89,"end":999.20996,"sentiment":"neutral","sentiment_score":0.10983844846487044}],"sentiment":"neutral","sentiment_score":0.08062178082764149,"num_words":6,"start":994.49,"end":999.20996},{"sentences":[{"text":"I see all that.","start":999.20996,"end":1000.01,"sentiment":"neutral","sentiment_score":0.14381816238164902},{"text":"Yeah.","start":1000.01,"end":1000.25,"sentiment":"neutral","sentiment_score":0.10721097141504288},{"text":"I see that it everything in green, you're buying, and everything in red, you're selling.","start":1000.25,"end":1004.43,"sentiment":"neutral","sentiment_score":0.21644485195477803},{"text":"Yep.","start":1026.92,"end":1027.42,"sentiment":"neutral","sentiment_score":0.045900799334049225},{"text":"Yeah.","start":1036.335,"end":1036.835,"sentiment":"neutral","sentiment_score":0.012943154200911522}],"sentiment":"neutral","sentiment_score":0.18127274335446683,"num_words":22,"start":999.20996,"end":1036.835},{"sentences":[{"text":"Yep.","start":1068.7949,"end":1069.0349,"sentiment":"neutral","sentiment_score":0.07172451913356781},{"text":"Yep.","start":1069.0349,"end":1069.5349,"sentiment":"neutral","sentiment_score":0.09854663908481598},{"text":"Okay.","start":1099.225,"end":1099.725,"sentiment":"neutral","sentiment_score":0.080787792801857},{"text":"Yep.","start":1099.865,"end":1100.365,"sentiment":"neutral","sentiment_score":0.1592426598072052},{"text":"Yep.","start":1127.005,"end":1127.405,"sentiment":"neutral","sentiment_score":0.09038510918617249}],"sentiment":"neutral","sentiment_score":0.1001373440027237,"num_words":5,"start":1068.7949,"end":1127.405},{"sentences":[{"text":"Yep.","start":1127.405,"end":1127.905,"sentiment":"neutral","sentiment_score":0.11880844086408617},{"text":"Yep.","start":1151.2649,"end":1151.7649,"sentiment":"neutral","sentiment_score":0.1427689641714096},{"text":"I can't say that.","start":1162.58,"end":1163.62,"sentiment":"neutral","sentiment_score":0.13176891580224037},{"text":"Yeah.","start":1163.62,"end":1164.12,"sentiment":"neutral","sentiment_score":0.2860715389251709},{"text":"Yep.","start":1172.58,"end":1173.08,"sentiment":"neutral","sentiment_score":0.3330833911895752}],"sentiment":"neutral","sentiment_score":0.17597599979490042,"num_words":8,"start":1127.405,"end":1173.08},{"sentences":[{"text":"Yep.","start":1186.89,"end":1187.39,"sentiment":"neutral","sentiment_score":0.15097472071647644},{"text":"Alright.","start":1209.625,"end":1210.125,"sentiment":"neutral","sentiment_score":0.04769555851817131},{"text":"Yes.","start":1224.28,"end":1224.78,"sentiment":"neutral","sentiment_score":0.11745119839906693},{"text":"No.","start":1225.4,"end":1225.64,"sentiment":"neutral","sentiment_score":0.20732849836349487},{"text":"That's okay.","start":1225.64,"end":1226.38,"sentiment":"positive","sentiment_score":0.5250639319419861}],"sentiment":"neutral","sentiment_score":0.26226297331353027,"num_words":6,"start":1186.89,"end":1226.38},{"sentences":[{"text":"Yep.","start":1235.4249,"end":1235.9249,"sentiment":"neutral","sentiment_score":0.14873705804347992},{"text":"Not a problem.","start":1236.145,"end":1237.0449,"sentiment":"neutral","sentiment_score":0.25760610898335773},{"text":"Yep.","start":1257.145,"end":1257.645,"sentiment":"neutral","sentiment_score":0.13720563054084778},{"text":"Yep.","start":1266.265,"end":1266.765,"sentiment":"positive","sentiment_score":0.44157981872558594},{"text":"Oh, okay.","start":1275.11,"end":1275.83,"sentiment":"neutral","sentiment_score":0.07833200320601463}],"sentiment":"neutral","sentiment_score":0.20712560508400202,"num_words":8,"start":1235.4249,"end":1275.83},{"sentences":[{"text":"Yep.","start":1275.83,"end":1276.33,"sentiment":"neutral","sentiment_score":0.07923378795385361},{"text":"Yep.","start":1276.5499,"end":1277.0499,"sentiment":"neutral","sentiment_score":0.10561862587928772},{"text":"Mhmm.","start":1285.8049,"end":1286.3049,"sentiment":"neutral","sentiment_score":0.06915800273418427},{"text":"Okay.","start":1292.365,"end":1292.845,"sentiment":"neutral","sentiment_score":0.05458433926105499},{"text":"He's just getting it up on his phone.","start":1292.845,"end":1294.945,"sentiment":"neutral","sentiment_score":0.06034144666045904}],"sentiment":"neutral","sentiment_score":0.06594386075933774,"num_words":12,"start":1275.83,"end":1294.945},{"sentences":[{"text":"Before before we start though, I I because mine's not probably gonna grow because I'm not working anymore, I I can't help but wonder whether I would make more money by putting it all on my house.","start":1296.9601,"end":1309.54,"sentiment":"neutral","sentiment_score":-0.1541047302150243},{"text":"Yes.","start":1333.76,"end":1334.26,"sentiment":"neutral","sentiment_score":0.21430447697639465},{"text":"Yes.","start":1334.64,"end":1335.14,"sentiment":"neutral","sentiment_score":0.19768747687339783},{"text":"Yeah.","start":1342.245,"end":1342.745,"sentiment":"neutral","sentiment_score":0.0883532240986824},{"text":"Do do I have to pay do I does cap does what did you just say to Peter?","start":1354.47,"end":1361.19,"sentiment":"neutral","sentiment_score":0.11745959810084766}],"sentiment":"neutral","sentiment_score":-0.053228570244692526,"num_words":58,"start":1296.9601,"end":1361.19},{"sentences":[{"text":"Capital gains come into it when you're just getting it out for retirement purposes?","start":1361.19,"end":1365.415,"sentiment":"neutral","sentiment_score":0.03777380181210382},{"text":"Like, do you still pay cap it does.","start":1365.475,"end":1368.115,"sentiment":"neutral","sentiment_score":0.0354063690174371},{"text":"Yeah.","start":1368.115,"end":1368.355,"sentiment":"neutral","sentiment_score":0.0913255736231804},{"text":"Right.","start":1368.355,"end":1368.855,"sentiment":"neutral","sentiment_score":0.11006879806518556},{"text":"Oh, okay.","start":1371.155,"end":1371.875,"sentiment":"neutral","sentiment_score":0.11785672605037689}],"sentiment":"neutral","sentiment_score":0.04804584620377192,"num_words":26,"start":1361.19,"end":1371.875},{"sentences":[{"text":"Yep.","start":1371.875,"end":1372.115,"sentiment":"neutral","sentiment_score":0.14365582168102264},{"text":"Yep.","start":1372.115,"end":1372.615,"sentiment":"neutral","sentiment_score":0.1784161925315857},{"text":"Yep.","start":1372.915,"end":1373.415,"sentiment":"neutral","sentiment_score":0.1016644835472107},{"text":"Yep.","start":1378.355,"end":1378.74,"sentiment":"neutral","sentiment_score":0.14759401977062225},{"text":"Yeah.","start":1383.38,"end":1383.88,"sentiment":"neutral","sentiment_score":0.09175996482372284}],"sentiment":"neutral","sentiment_score":0.13261809647083284,"num_words":5,"start":1371.875,"end":1383.88},{"sentences":[{"text":"Okay.","start":1389.3,"end":1389.46,"sentiment":"neutral","sentiment_score":-0.07720775902271271},{"text":"Well, I'm not gonna have any I'm not gonna have much growth because I'm not contributing.","start":1389.46,"end":1393.24,"sentiment":"neutral","sentiment_score":-0.2969398843124509},{"text":"You know what I mean?","start":1393.54,"end":1394.5,"sentiment":"neutral","sentiment_score":-0.29524754285812377},{"text":"And, like, I I don't know.","start":1394.5,"end":1397.275,"sentiment":"neutral","sentiment_score":-0.28498876094818115},{"text":"I'm I would have to it would take me a lot more than what it would take you to figure out what what was worthwhile and what wasn't.","start":1397.275,"end":1403.515,"sentiment":"negative","sentiment_score":-0.3758589284760611}],"sentiment":"neutral","sentiment_score":-0.331044039023774,"num_words":56,"start":1389.3,"end":1403.515},{"sentences":[{"text":"You know?","start":1403.515,"end":1403.9149,"sentiment":"neutral","sentiment_score":-0.1483348235487938},{"text":"Like, with the small amount that I've got in super, and you were saying to Peter that it could be 17% at its best, Is that is that what you could I could possibly increase my super buy without con contributions?","start":1403.9149,"end":1417.46,"sentiment":"neutral","sentiment_score":-0.06327627399345724},{"text":"Oh, his mine would be different.","start":1418.16,"end":1420.08,"sentiment":"neutral","sentiment_score":-0.06845547631382942},{"text":"Yeah.","start":1420.08,"end":1420.58,"sentiment":"neutral","sentiment_score":0.011221306398510931},{"text":"Yeah.","start":1426.775,"end":1427.275,"sentiment":"neutral","sentiment_score":0.07681411504745483}],"sentiment":"neutral","sentiment_score":-0.06301361406404599,"num_words":51,"start":1403.515,"end":1427.275},{"sentences":[{"text":"Yep.","start":1427.335,"end":1427.835,"sentiment":"neutral","sentiment_score":0.012042181566357613},{"text":"But what but what but what does that get what does that get us really?","start":1440.8301,"end":1444.3501,"sentiment":"neutral","sentiment_score":-0.036854124069213866},{"text":"Like, wouldn't it be better off just staying in in his super and being a larger super that we can't get our greedy little hands on?","start":1444.3501,"end":1451.25,"sentiment":"neutral","sentiment_score":-0.06052669739493957},{"text":"Yeah.","start":1454.775,"end":1455.015,"sentiment":"neutral","sentiment_score":0.051783859729766846},{"text":"I reckon.","start":1455.015,"end":1455.755,"sentiment":"neutral","sentiment_score":0.008593757636845112}],"sentiment":"neutral","sentiment_score":-0.04545538748304049,"num_words":45,"start":1427.335,"end":1455.755},{"sentences":[{"text":"I I don't really need to see mine growing and his being less.","start":1457.015,"end":1460.455,"sentiment":"neutral","sentiment_score":-0.13127772280803093},{"text":"You know what I mean?","start":1460.455,"end":1461.335,"sentiment":"neutral","sentiment_score":-0.09291944354772567},{"text":"It's I just know that I can get at mine.","start":1461.335,"end":1463.735,"sentiment":"neutral","sentiment_score":-0.058930926583707334},{"text":"I'm able to get at mine, and would it be better sitting on our our house loan our house loan is almost to 300,000, but that's with money sitting on it.","start":1463.735,"end":1476.46,"sentiment":"neutral","sentiment_score":-0.05846551228915491},{"text":"I I already have 80,000 sitting on it.","start":1476.46,"end":1478.985,"sentiment":"neutral","sentiment_score":0.030326271196827292}],"sentiment":"neutral","sentiment_score":-0.06463190435028787,"num_words":67,"start":1457.015,"end":1478.985},{"sentences":[{"text":"So I would be essentially putting another 110 on it if I was to get it all out of super.","start":1480.505,"end":1485.245,"sentiment":"neutral","sentiment_score":0.16879062205553055},{"text":"So it would, you know, would take take it down to about 200,000.","start":1485.545,"end":1489.625,"sentiment":"neutral","sentiment_score":0.2441615920800429},{"text":"And I was just wondering how how much of a savings I would make on interest, paying interest.","start":1489.625,"end":1495.19,"sentiment":"neutral","sentiment_score":0.10528327090044816},{"text":"You know?","start":1495.33,"end":1495.99,"sentiment":"neutral","sentiment_score":0.020705505274236202},{"text":"I don't know.","start":1496.13,"end":1496.85,"sentiment":"neutral","sentiment_score":-0.022622668494780857}],"sentiment":"neutral","sentiment_score":0.1503313396325601,"num_words":56,"start":1480.505,"end":1496.85},{"sentences":[{"text":"I just yep.","start":1496.85,"end":1508.95,"sentiment":"neutral","sentiment_score":0.0679833454390367},{"text":"Yep.","start":1520.8351,"end":1521.3351,"sentiment":"neutral","sentiment_score":0.22363004088401792},{"text":"Yes.","start":1526.61,"end":1527.11,"sentiment":"positive","sentiment_score":0.3371521830558777},{"text":"Yep.","start":1546.025,"end":1546.525,"sentiment":"neutral","sentiment_score":0.0514502078294754},{"text":"Okay.","start":1547.7849,"end":1548.1849,"sentiment":"neutral","sentiment_score":0.05015324801206589}],"sentiment":"neutral","sentiment_score":0.12376224515693528,"num_words":7,"start":1496.85,"end":1548.1849},{"sentences":[{"text":"I'm on the yep.","start":1548.1849,"end":1549.4049,"sentiment":"neutral","sentiment_score":0.0723990835249424},{"text":"Mhmm.","start":1555.64,"end":1556.14,"sentiment":"neutral","sentiment_score":0.03183593600988388},{"text":"Yep.","start":1567.5599,"end":1568.0599,"sentiment":"positive","sentiment_score":0.4375265836715698},{"text":"Yep.","start":1580.955,"end":1581.275,"sentiment":"neutral","sentiment_score":0.2857987880706787},{"text":"Yep.","start":1581.275,"end":1581.755,"sentiment":"neutral","sentiment_score":0.2555427551269531}],"sentiment":"neutral","sentiment_score":0.1625375496223569,"num_words":8,"start":1548.1849,"end":1581.755},{"sentences":[{"text":"Yep.","start":1581.755,"end":1582.255,"sentiment":"neutral","sentiment_score":0.28382807970046997},{"text":"Yep.","start":1586.08,"end":1586.58,"sentiment":"positive","sentiment_score":0.4173984229564667},{"text":"Mhmm.","start":1589.84,"end":1590.34,"sentiment":"neutral","sentiment_score":0.18115544319152832},{"text":"Mhmm.","start":1607.125,"end":1607.2849,"sentiment":"neutral","sentiment_score":0.16259771585464478},{"text":"Yes.","start":1607.2849,"end":1607.7849,"sentiment":"neutral","sentiment_score":0.18704545497894287}],"sentiment":"neutral","sentiment_score":0.2464050233364105,"num_words":5,"start":1581.755,"end":1607.7849},{"sentences":[{"text":"Yes.","start":1617.04,"end":1617.54,"sentiment":"neutral","sentiment_score":0.2268752157688141},{"text":"Yep.","start":1628.4249,"end":1628.825,"sentiment":"neutral","sentiment_score":-0.01862136647105217},{"text":"Yep.","start":1628.825,"end":1629.325,"sentiment":"neutral","sentiment_score":0.017297005280852318},{"text":"Mhmm.","start":1642.42,"end":1642.92,"sentiment":"neutral","sentiment_score":0.10799622535705566},{"text":"Yep.","start":1653.025,"end":1653.525,"sentiment":"neutral","sentiment_score":0.19477085769176483}],"sentiment":"neutral","sentiment_score":0.10566358752548695,"num_words":5,"start":1617.04,"end":1653.525},{"sentences":[{"text":"Yep.","start":1660.2251,"end":1660.7251,"sentiment":"neutral","sentiment_score":0.19813531637191772},{"text":"Yes.","start":1670.11,"end":1670.61,"sentiment":"neutral","sentiment_score":0.18850727379322052},{"text":"Mhmm.","start":1672.4299,"end":1672.9299,"sentiment":"neutral","sentiment_score":0.07914265990257263},{"text":"Yes.","start":1686.9249,"end":1687.4249,"sentiment":"neutral","sentiment_score":0.15254303812980652},{"text":"Yes.","start":1693.43,"end":1693.75,"sentiment":"neutral","sentiment_score":0.09549633413553238}],"sentiment":"neutral","sentiment_score":0.14276492446660996,"num_words":5,"start":1660.2251,"end":1693.75},{"sentences":[{"text":"Yes.","start":1693.75,"end":1694.25,"sentiment":"neutral","sentiment_score":0.11663738638162612},{"text":"Yes.","start":1695.91,"end":1696.41,"sentiment":"neutral","sentiment_score":0.12441907078027724},{"text":"Okay.","start":1699.99,"end":1700.49,"sentiment":"neutral","sentiment_score":0.1404108703136444},{"text":"Mhmm.","start":1707.7251,"end":1708.2251,"sentiment":"neutral","sentiment_score":0.07900727540254593},{"text":"We're pretty confident in you, Dana.","start":1722.21,"end":1724.0499,"sentiment":"positive","sentiment_score":0.56654425462087}],"sentiment":"positive","sentiment_score":0.38597401306033136,"num_words":10,"start":1693.75,"end":1724.0499},{"sentences":[{"text":"We're we're happy to go with this what you do for us now.","start":1724.0499,"end":1727.59,"sentiment":"positive","sentiment_score":0.7501462377034701},{"text":"You you're watching you're watching it all the time.","start":1727.8099,"end":1729.97,"sentiment":"neutral","sentiment_score":0.17967059214909872},{"text":"Like, as you said, if anything dramatic gonna happen, you'll let me know to get it out.","start":1729.97,"end":1734.895,"sentiment":"neutral","sentiment_score":0.14543424130362623},{"text":"I'm happy with that.","start":1734.895,"end":1735.855,"sentiment":"positive","sentiment_score":0.42555343359708786},{"text":"Yeah.","start":1735.855,"end":1736.255,"sentiment":"neutral","sentiment_score":0.23818561434745789}],"sentiment":"positive","sentiment_score":0.35867540614510124,"num_words":44,"start":1724.0499,"end":1736.255},{"sentences":[{"text":"So it's all good.","start":1736.255,"end":1737.795,"sentiment":"positive","sentiment_score":0.46553586423397064},{"text":"Yeah.","start":1738.015,"end":1738.515,"sentiment":"positive","sentiment_score":0.4611191153526306},{"text":"Yeah.","start":1744.175,"end":1744.675,"sentiment":"neutral","sentiment_score":0.045652199536561966},{"text":"Yes.","start":1747.74,"end":1748.24,"sentiment":"neutral","sentiment_score":0.2006382197141647},{"text":"Yes.","start":1760.78,"end":1761.28,"sentiment":"neutral","sentiment_score":0.2708122730255127}],"sentiment":"positive","sentiment_score":0.3550456580705941,"num_words":8,"start":1736.255,"end":1761.28},{"sentences":[{"text":"Yep.","start":1764.915,"end":1765.415,"sentiment":"neutral","sentiment_score":0.1796589493751526},{"text":"Alright then.","start":1765.795,"end":1766.775,"sentiment":"neutral","sentiment_score":0.2147303968667984},{"text":"Yep.","start":1771.3151,"end":1771.7151,"sentiment":"neutral","sentiment_score":0.08936524391174316},{"text":"I got it.","start":1771.7151,"end":1772.615,"sentiment":"neutral","sentiment_score":0.07762856781482697},{"text":"Oh, okay.","start":1797.0549,"end":1797.615,"sentiment":"neutral","sentiment_score":0.05403527803719044}],"sentiment":"neutral","sentiment_score":0.11549347183770603,"num_words":9,"start":1764.915,"end":1797.615},{"sentences":[{"text":"So does that mean so gold makes it so when you have it in gold, how does it work for you if it's not coming back to you?","start":1797.615,"end":1806.28,"sentiment":"neutral","sentiment_score":0.07813159037115318},{"text":"I don't understand.","start":1806.28,"end":1806.84,"sentiment":"negative","sentiment_score":-0.33613884449005127},{"text":"I'm a bit dumb.","start":1806.84,"end":1807.7999,"sentiment":"negative","sentiment_score":-0.4768226891756058},{"text":"Sorry.","start":1807.7999,"end":1808.2999,"sentiment":"neutral","sentiment_score":-0.2923039197921753},{"text":"When you say income.","start":1809.1599,"end":1810.38,"sentiment":"neutral","sentiment_score":-0.10037950985133648}],"sentiment":"neutral","sentiment_score":-0.03554611797444522,"num_words":40,"start":1797.615,"end":1810.38},{"sentences":[{"text":"Mhmm.","start":1826.5149,"end":1827.0149,"sentiment":"neutral","sentiment_score":0.04094952344894409},{"text":"Yes.","start":1830.195,"end":1830.695,"sentiment":"neutral","sentiment_score":0.12759637832641602},{"text":"Yep.","start":1837.8301,"end":1838.3301,"sentiment":"neutral","sentiment_score":0.06593537330627441},{"text":"Yep.","start":1841.75,"end":1841.91,"sentiment":"neutral","sentiment_score":0.03270126134157181},{"text":"You would sell it for.","start":1841.91,"end":1843.1901,"sentiment":"neutral","sentiment_score":-0.005320989340543747}],"sentiment":"neutral","sentiment_score":0.0267308433022764,"num_words":9,"start":1826.5149,"end":1843.1901},{"sentences":[{"text":"Yep.","start":1843.1901,"end":1843.6901,"sentiment":"neutral","sentiment_score":0.01910010911524296},{"text":"Yep.","start":1849.605,"end":1849.925,"sentiment":"neutral","sentiment_score":0.007418361958116293},{"text":"Okay.","start":1849.925,"end":1850.425,"sentiment":"neutral","sentiment_score":-0.00977136567234993},{"text":"And how does that compare to something else?","start":1851.285,"end":1853.4651,"sentiment":"neutral","sentiment_score":0.019344406900927424},{"text":"Mhmm.","start":1859.045,"end":1859.52,"sentiment":"neutral","sentiment_score":0.09762871265411376}],"sentiment":"neutral","sentiment_score":0.02242758943854521,"num_words":12,"start":1843.1901,"end":1859.52},{"sentences":[{"text":"Okay.","start":1863.4401,"end":1863.9401,"sentiment":"neutral","sentiment_score":0.08660006523132324},{"text":"Yep.","start":1868.56,"end":1869.06,"sentiment":"neutral","sentiment_score":0.09185787290334702},{"text":"Okay.","start":1871.6,"end":1872.0,"sentiment":"neutral","sentiment_score":0.06544440984725952},{"text":"I'm with you.","start":1872.0,"end":1872.885,"sentiment":"neutral","sentiment_score":0.0329102718581756},{"text":"Okay.","start":1884.005,"end":1884.505,"sentiment":"neutral","sentiment_score":0.03574175387620926}],"sentiment":"neutral","sentiment_score":0.05405355963323798,"num_words":7,"start":1863.4401,"end":1884.505},{"sentences":[{"text":"But that just comes back to super.","start":1884.5651,"end":1886.585,"sentiment":"neutral","sentiment_score":0.0340911229806287},{"text":"In goes into your cash.","start":1887.125,"end":1888.77,"sentiment":"neutral","sentiment_score":0.01759378854185343},{"text":"Right.","start":1891.49,"end":1891.99,"sentiment":"neutral","sentiment_score":0.06211976706981659},{"text":"Okay.","start":1892.05,"end":1892.55,"sentiment":"neutral","sentiment_score":0.0503384992480278},{"text":"I'm with you.","start":1893.73,"end":1894.6901,"sentiment":"neutral","sentiment_score":0.09998896221319835}],"sentiment":"neutral","sentiment_score":0.043472468031241614,"num_words":17,"start":1884.5651,"end":1894.6901},{"sentences":[{"text":"Yep.","start":1894.6901,"end":1895.01,"sentiment":"neutral","sentiment_score":0.0919373333454132},{"text":"Yep.","start":1895.01,"end":1895.49,"sentiment":"neutral","sentiment_score":0.08100936561822891},{"text":"Okay.","start":1895.49,"end":1895.99,"sentiment":"neutral","sentiment_score":0.06383714079856873},{"text":"So so it so it also still is how much you bought it for and how much you could sell it for, but it also is depositing cash into your cash amount.","start":1896.29,"end":1905.705,"sentiment":"neutral","sentiment_score":0.028779127140296623},{"text":"Yeah.","start":1906.965,"end":1907.2849,"sentiment":"neutral","sentiment_score":0.07385052740573883}],"sentiment":"neutral","sentiment_score":0.03421017876826227,"num_words":36,"start":1894.6901,"end":1907.2849},{"sentences":[{"text":"Right.","start":1907.2849,"end":1907.605,"sentiment":"neutral","sentiment_score":0.09078168123960496},{"text":"Yeah.","start":1907.605,"end":1908.005,"sentiment":"neutral","sentiment_score":0.09247523546218872},{"text":"Right.","start":1908.005,"end":1908.245,"sentiment":"neutral","sentiment_score":0.10271116346120834},{"text":"Okay.","start":1908.245,"end":1908.6449,"sentiment":"neutral","sentiment_score":0.09859398007392885},{"text":"Because I okay.","start":1908.6449,"end":1913.365,"sentiment":"neutral","sentiment_score":0.11916159838438034}],"sentiment":"neutral","sentiment_score":0.10600669362715312,"num_words":7,"start":1907.2849,"end":1913.365},{"sentences":[{"text":"Yeah.","start":1913.365,"end":1913.605,"sentiment":"neutral","sentiment_score":0.09320737421512604},{"text":"I'm with you.","start":1913.605,"end":1914.48,"sentiment":"neutral","sentiment_score":0.08637591948111852},{"text":"Yeah.","start":1914.72,"end":1914.96,"sentiment":"neutral","sentiment_score":0.06595277786254883},{"text":"I've been watching Gold because I have this one little pizzly nugget.","start":1914.96,"end":1918.34,"sentiment":"neutral","sentiment_score":0.06773264457782109},{"text":"It's actually a tail, a t a e l, and it's 37.5 grams.","start":1919.12,"end":1923.84,"sentiment":"neutral","sentiment_score":0.025337817147374153}],"sentiment":"neutral","sentiment_score":0.05201570894569159,"num_words":30,"start":1913.365,"end":1923.84},{"sentences":[{"text":"And someone paid it to gave it to me in exchange for me selling something.","start":1923.84,"end":1928.4199,"sentiment":"neutral","sentiment_score":0.008991235370437304},{"text":"I'm I think probably only five years ago, and and I I sold a donger for for $2.","start":1929.025,"end":1935.265,"sentiment":"neutral","sentiment_score":0.0037858893370462787},{"text":"And he said, you know, would you like the you'd like cash or would you like this piece of gold?","start":1935.265,"end":1939.745,"sentiment":"neutral","sentiment_score":0.019066342758014797},{"text":"And I said, oh, I think I might be interested in gold.","start":1939.745,"end":1942.005,"sentiment":"neutral","sentiment_score":0.04267682849119107},{"text":"So, yeah, that that's worth $8.08 and a half thousand now.","start":1942.29,"end":1945.5901,"sentiment":"neutral","sentiment_score":0.05016508292068134}],"sentiment":"neutral","sentiment_score":0.02168788483954574,"num_words":76,"start":1923.84,"end":1945.5901},{"sentences":[{"text":"No.","start":1948.53,"end":1948.77,"sentiment":"neutral","sentiment_score":-0.08758751302957535},{"text":"But I wish I had more.","start":1948.77,"end":1950.0701,"sentiment":"neutral","sentiment_score":-0.18288884311914444},{"text":"More would be better than one little tiny 37.5 grams of gold.","start":1951.5701,"end":1956.485,"sentiment":"neutral","sentiment_score":-0.03380470226208369},{"text":"Yeah.","start":1961.585,"end":1962.085,"sentiment":"neutral","sentiment_score":0.015182002447545528},{"text":"Yeah.","start":1962.3049,"end":1962.7849,"sentiment":"neutral","sentiment_score":0.03212432190775871}],"sentiment":"neutral","sentiment_score":-0.07348907973972105,"num_words":21,"start":1948.53,"end":1962.7849},{"sentences":[{"text":"It has.","start":1962.7849,"end":1963.5249,"sentiment":"neutral","sentiment_score":0.014787566848099232},{"text":"Yeah.","start":1963.745,"end":1964.065,"sentiment":"neutral","sentiment_score":0.08357337862253189},{"text":"I've been looking at it.","start":1964.065,"end":1965.4249,"sentiment":"neutral","sentiment_score":0.055648931115865705},{"text":"I've been looking at it.","start":1965.4249,"end":1966.3849,"sentiment":"neutral","sentiment_score":0.04700557515025139},{"text":"When I when I when I when I said yes to it, I did look it up to see if if he was it was my nephew, so I sort of believed him.","start":1966.3849,"end":1973.88,"sentiment":"neutral","sentiment_score":0.0014742453385031586}],"sentiment":"neutral","sentiment_score":0.01467545956130261,"num_words":46,"start":1962.7849,"end":1973.88},{"sentences":[{"text":"I didn't do it there on the spot.","start":1973.88,"end":1975.24,"sentiment":"neutral","sentiment_score":-0.076354646589607},{"text":"But when but when we exchanged it, I did get on and have a look and thought, oh, no.","start":1975.24,"end":1979.0,"sentiment":"neutral","sentiment_score":0.04437074810266495},{"text":"He is right.","start":1979.0,"end":1979.64,"sentiment":"neutral","sentiment_score":0.12039010226726532},{"text":"It is worth that.","start":1979.64,"end":1980.4401,"sentiment":"neutral","sentiment_score":0.1944284550845623},{"text":"Yeah.","start":1980.4401,"end":1980.68,"sentiment":"neutral","sentiment_score":0.3193680942058563}],"sentiment":"neutral","sentiment_score":0.04829883607370513,"num_words":35,"start":1973.88,"end":1980.68},{"sentences":[{"text":"That's good.","start":1980.68,"end":1981.5,"sentiment":"positive","sentiment_score":0.5064123570919037},{"text":"But, yeah, that's been going on.","start":1981.64,"end":1983.56,"sentiment":"neutral","sentiment_score":0.030835874068240326},{"text":"And my daughter, they decided to buy silver, and now they wish they had bought more too.","start":1983.56,"end":1988.555,"sentiment":"neutral","sentiment_score":0.016166784855372766},{"text":"They only bought it last year, and it's already doubled.","start":1988.555,"end":1990.735,"sentiment":"neutral","sentiment_score":0.010626291949301958},{"text":"Two big two ingots, you know, two very large ingots of silver.","start":1991.755,"end":1996.415,"sentiment":"neutral","sentiment_score":-0.0016628784748415153}],"sentiment":"neutral","sentiment_score":0.03316986550913846,"num_words":47,"start":1980.68,"end":1996.415},{"sentences":[{"text":"But I said, oh, you you can only we're not rich, so you just do what you know you can afford to lose type of thing.","start":1996.715,"end":2004.2001,"sentiment":"neutral","sentiment_score":-0.08653065533592151},{"text":"Like, you can you you're not you're not she's not gonna lose, but, you know, she said, oh, geez.","start":2004.2001,"end":2009.24,"sentiment":"neutral","sentiment_score":-0.059051622293497384},{"text":"I wish we'd have bought more.","start":2009.24,"end":2010.28,"sentiment":"neutral","sentiment_score":-0.212370735903581},{"text":"And I said, yeah.","start":2010.28,"end":2010.92,"sentiment":"neutral","sentiment_score":-0.05176625773310661},{"text":"But you didn't you didn't know it was gonna double and go up twice a month.","start":2010.92,"end":2015.24,"sentiment":"neutral","sentiment_score":-0.05418991483747959}],"sentiment":"neutral","sentiment_score":-0.08056487247977458,"num_words":71,"start":1996.715,"end":2015.24},{"sentences":[{"text":"You know?","start":2015.24,"end":2015.775,"sentiment":"neutral","sentiment_score":-0.0004932121373713017},{"text":"Yeah.","start":2016.255,"end":2016.755,"sentiment":"neutral","sentiment_score":0.05081038922071457},{"text":"It's always nice to say it's always nice to say, oh, I should've done it.","start":2017.6951,"end":2022.8151,"sentiment":"neutral","sentiment_score":-0.04708309794465701},{"text":"I should've done it.","start":2022.8151,"end":2023.4551,"sentiment":"neutral","sentiment_score":-0.11502685397863388},{"text":"But had it dropped, they would've been glad they hadn't.","start":2023.4551,"end":2025.795,"sentiment":"neutral","sentiment_score":-0.20167397409677507}],"sentiment":"neutral","sentiment_score":-0.09791467690956779,"num_words":32,"start":2015.24,"end":2025.795},{"sentences":[{"text":"Yeah.","start":2049.725,"end":2050.225,"sentiment":"positive","sentiment_score":0.5219056606292725},{"text":"Well, Maddie did well, Maddie did something herself when it comes to shares as well, but it was just something really little.","start":2051.005,"end":2056.845,"sentiment":"neutral","sentiment_score":-0.032533458434045315},{"text":"And she reckons that that's growing too, but she does put a little bit of money into that too.","start":2056.845,"end":2061.565,"sentiment":"neutral","sentiment_score":-0.013716359500234065},{"text":"But I think she's sort of holding back to try and she doesn't know when she can swap to use to do anything.","start":2061.565,"end":2067.35,"sentiment":"neutral","sentiment_score":-0.18419589458600336},{"text":"I don't I don't know how much money she's got in super, but Keegan has got 40, I think, but she would probably be equivalent to him.","start":2067.35,"end":2075.67,"sentiment":"neutral","sentiment_score":-0.07744150719156971}],"sentiment":"neutral","sentiment_score":-0.07371595135950686,"num_words":92,"start":2049.725,"end":2075.67},{"sentences":[{"text":"But she's about ready to go on maternity leave, So I don't know how long that's gonna last.","start":2075.67,"end":2080.205,"sentiment":"neutral","sentiment_score":-0.07871144513289134},{"text":"You know?","start":2080.205,"end":2080.605,"sentiment":"neutral","sentiment_score":-0.05944673344492912},{"text":"She's gonna probably have twelve months maternity, and then I don't know if she's gonna go back or not to earn more super.","start":2080.605,"end":2087.345,"sentiment":"neutral","sentiment_score":-0.033060012142295425},{"text":"Yeah.","start":2090.2852,"end":2090.7852,"sentiment":"neutral","sentiment_score":0.08781275898218155},{"text":"Yes.","start":2100.52,"end":2101.02,"sentiment":"neutral","sentiment_score":0.22826221585273743}],"sentiment":"neutral","sentiment_score":-0.044000106304883956,"num_words":45,"start":2075.67,"end":2101.02},{"sentences":[{"text":"I would I just wish my I just wish my sister would take you up on on I recorded our conversation with you that I had with you so I could play it to her and she said, oh, yeah.","start":2110.375,"end":2120.935,"sentiment":"neutral","sentiment_score":0.06414704048074782},{"text":"It sounds like something we really need to do, but they haven't done anything.","start":2120.935,"end":2124.67,"sentiment":"neutral","sentiment_score":-0.10467853876096862},{"text":"They've done nothing.","start":2124.73,"end":2125.71,"sentiment":"neutral","sentiment_score":-0.08804090321063995},{"text":"They're just living off their money in the bank, and I just and and she did confide at me and tell me that it's 1 and a half million that they've got to be in the bank.","start":2126.17,"end":2134.0898,"sentiment":"neutral","sentiment_score":-0.11638120763205193},{"text":"It's probably not earning them anything, Dana.","start":2134.0898,"end":2136.355,"sentiment":"negative","sentiment_score":-0.3591186915125166}],"sentiment":"neutral","sentiment_score":-0.059244318376525794,"num_words":101,"start":2110.375,"end":2136.355},{"sentences":[{"text":"Probably not earning them anything at all.","start":2136.895,"end":2138.9949,"sentiment":"neutral","sentiment_score":-0.20512362463133677},{"text":"You know?","start":2139.055,"end":2139.7148,"sentiment":"neutral","sentiment_score":-0.061692193150520325},{"text":"I don't know.","start":2140.175,"end":2140.9949,"sentiment":"neutral","sentiment_score":-0.13695352772871652},{"text":"Yeah.","start":2149.9001,"end":2150.4001,"sentiment":"neutral","sentiment_score":0.08927503973245621},{"text":"Yes.","start":2153.9802,"end":2154.4802,"sentiment":"neutral","sentiment_score":0.05257361009716987}],"sentiment":"neutral","sentiment_score":-0.13059012086263724,"num_words":14,"start":2136.895,"end":2154.4802},{"sentences":[{"text":"Yes.","start":2165.9648,"end":2166.4648,"sentiment":"neutral","sentiment_score":0.3266729712486267},{"text":"Yeah.","start":2173.69,"end":2174.19,"sentiment":"positive","sentiment_score":0.434160053730011},{"text":"Yeah.","start":2184.33,"end":2184.83,"sentiment":"neutral","sentiment_score":0.013720709830522535},{"text":"Yes.","start":2188.065,"end":2188.565,"sentiment":"neutral","sentiment_score":-0.13754872977733612},{"text":"Yes.","start":2194.065,"end":2194.565,"sentiment":"neutral","sentiment_score":0.08147045224905014}],"sentiment":"neutral","sentiment_score":0.14369509145617484,"num_words":5,"start":2165.9648,"end":2194.565},{"sentences":[{"text":"Yes.","start":2197.265,"end":2197.765,"sentiment":"positive","sentiment_score":0.4123883843421936},{"text":"I just I just thought the sooner that they did it, the sooner that they could be making money to live off of instead of dwindling it away.","start":2207.6802,"end":2215.22,"sentiment":"neutral","sentiment_score":-0.1384282556495496},{"text":"You know?","start":2215.885,"end":2216.3652,"sentiment":"neutral","sentiment_score":-0.026047571562230587},{"text":"I just you know, like, as they spend it, like, at with that amount of money, they can't get anything from the government.","start":2216.3652,"end":2223.725,"sentiment":"neutral","sentiment_score":-0.04926712086181278},{"text":"Nothing.","start":2223.725,"end":2224.225,"sentiment":"neutral","sentiment_score":-0.060007244348526}],"sentiment":"neutral","sentiment_score":-0.08561543529345231,"num_words":55,"start":2197.265,"end":2224.225},{"sentences":[{"text":"So they must be living they must be living out of their bank.","start":2224.925,"end":2228.205,"sentiment":"neutral","sentiment_score":0.014625790887154065},{"text":"So I just think to myself that, like, you they I think they would be really surprised at how much they don't they wouldn't even have to put all of it in.","start":2228.205,"end":2235.83,"sentiment":"neutral","sentiment_score":0.03547139838337898},{"text":"They wouldn't even have to give you all of their money to manage.","start":2235.83,"end":2239.03,"sentiment":"neutral","sentiment_score":-0.015478496941236349},{"text":"So you could just allocate half of it or something.","start":2239.03,"end":2242.01,"sentiment":"neutral","sentiment_score":0.028701721131801604},{"text":"But, you know yeah.","start":2242.39,"end":2244.285,"sentiment":"neutral","sentiment_score":0.049766416661441326}],"sentiment":"neutral","sentiment_score":0.02236225621567832,"num_words":72,"start":2224.925,"end":2244.285},{"sentences":[{"text":"But, anyway, I haven't really had the chance since I last spoke to you to sit down and say, have you made any decisions?","start":2244.285,"end":2250.865,"sentiment":"neutral","sentiment_score":0.0008432855053494374},{"text":"I just know that she hasn't said, hey.","start":2251.2449,"end":2253.085,"sentiment":"neutral","sentiment_score":-0.007138189452234656},{"text":"Could you set up a meeting with me with Dana?","start":2253.085,"end":2255.165,"sentiment":"neutral","sentiment_score":0.041325288265943526},{"text":"So there's been a little bit there's been a little bit on in the family.","start":2255.165,"end":2259.19,"sentiment":"neutral","sentiment_score":-0.03427125882978241},{"text":"So perhaps, you know, once she gets a bit more settled, she might approach me or I might approach her eventually again.","start":2259.19,"end":2266.01,"sentiment":"neutral","sentiment_score":-0.005575669760053808}],"sentiment":"neutral","sentiment_score":-0.003295536683518675,"num_words":79,"start":2244.285,"end":2266.01},{"sentences":[{"text":"Yeah.","start":2266.5498,"end":2266.95,"sentiment":"neutral","sentiment_score":0.14881733059883118},{"text":"So that I yeah.","start":2266.95,"end":2280.045,"sentiment":"neutral","sentiment_score":0.09762267023324966},{"text":"Yep.","start":2280.045,"end":2280.545,"sentiment":"neutral","sentiment_score":0.14777114987373352},{"text":"Very secure.","start":2286.23,"end":2287.1301,"sentiment":"neutral","sentiment_score":0.2572419047355652},{"text":"Yeah.","start":2287.59,"end":2288.09,"sentiment":"neutral","sentiment_score":0.14437717199325562}],"sentiment":"neutral","sentiment_score":0.14954890476332772,"num_words":9,"start":2266.5498,"end":2288.09},{"sentences":[{"text":"Yep.","start":2316.6401,"end":2317.1401,"sentiment":"neutral","sentiment_score":0.20640769600868225},{"text":"Yes.","start":2317.2,"end":2317.7,"sentiment":"neutral","sentiment_score":0.17908085882663727},{"text":"No.","start":2321.625,"end":2322.125,"sentiment":"neutral","sentiment_score":-0.14520663022994995},{"text":"Yeah.","start":2332.185,"end":2332.685,"sentiment":"neutral","sentiment_score":0.09019359946250916},{"text":"Yeah.","start":2333.145,"end":2333.625,"sentiment":"neutral","sentiment_score":0.12829934060573578}],"sentiment":"neutral","sentiment_score":0.0917549729347229,"num_words":5,"start":2316.6401,"end":2333.625},{"sentences":[{"text":"Yep.","start":2333.625,"end":2334.125,"sentiment":"neutral","sentiment_score":0.15119975805282593},{"text":"Yes.","start":2347.65,"end":2348.15,"sentiment":"neutral","sentiment_score":0.2026919424533844},{"text":"Yep.","start":2348.3699,"end":2348.8699,"sentiment":"neutral","sentiment_score":0.2353343665599823},{"text":"Mhmm.","start":2356.835,"end":2356.915,"sentiment":"neutral","sentiment_score":0.12402938306331636},{"text":"Yep.","start":2356.915,"end":2357.415,"sentiment":"neutral","sentiment_score":0.14570079743862152}],"sentiment":"neutral","sentiment_score":0.1717912495136261,"num_words":5,"start":2333.625,"end":2357.415},{"sentences":[{"text":"Mhmm.","start":2376.985,"end":2377.485,"sentiment":"neutral","sentiment_score":0.2007407993078232},{"text":"Mhmm.","start":2394.21,"end":2394.71,"sentiment":"neutral","sentiment_score":0.06144825369119644},{"text":"Yes.","start":2394.8499,"end":2395.3499,"sentiment":"neutral","sentiment_score":0.1217108517885208},{"text":"Yes.","start":2413.755,"end":2414.1,"sentiment":"neutral","sentiment_score":-0.003234800649806857},{"text":"And that all that all came that all came from dividends.","start":2414.1802,"end":2417.1602,"sentiment":"neutral","sentiment_score":0.06816579630090432}],"sentiment":"neutral","sentiment_score":0.07536592422984541,"num_words":15,"start":2376.985,"end":2417.1602},{"sentences":[{"text":"Is that right?","start":2417.3,"end":2418.2002,"sentiment":"neutral","sentiment_score":0.02266944634417693},{"text":"Yep.","start":2422.02,"end":2422.52,"sentiment":"neutral","sentiment_score":0.002599623054265976},{"text":"Mhmm.","start":2426.6602,"end":2427.1602,"sentiment":"neutral","sentiment_score":0.061225224286317825},{"text":"Okay.","start":2437.115,"end":2437.2751,"sentiment":"neutral","sentiment_score":0.04698226973414421},{"text":"Okay.","start":2437.2751,"end":2437.7751,"sentiment":"neutral","sentiment_score":0.0521051250398159}],"sentiment":"neutral","sentiment_score":0.0329886544495821,"num_words":7,"start":2417.3,"end":2437.7751},{"sentences":[{"text":"Mhmm.","start":2449.8499,"end":2450.0898,"sentiment":"neutral","sentiment_score":0.0488593764603138},{"text":"Yep.","start":2450.0898,"end":2450.41,"sentiment":"neutral","sentiment_score":0.10984711349010468},{"text":"Yep.","start":2450.41,"end":2450.91,"sentiment":"neutral","sentiment_score":0.140594944357872},{"text":"Yep.","start":2451.0498,"end":2451.5498,"sentiment":"neutral","sentiment_score":0.2951902151107788},{"text":"All good.","start":2453.45,"end":2454.165,"sentiment":"positive","sentiment_score":0.5832303762435913}],"sentiment":"neutral","sentiment_score":0.2934920669843753,"num_words":6,"start":2449.8499,"end":2454.165},{"sentences":[{"text":"Mhmm.","start":2463.685,"end":2464.185,"sentiment":"neutral","sentiment_score":0.037129178643226624},{"text":"Mhmm.","start":2493.8,"end":2494.3,"sentiment":"neutral","sentiment_score":0.04745284095406532},{"text":"Yep.","start":2498.92,"end":2499.42,"sentiment":"neutral","sentiment_score":0.06981191039085388},{"text":"Yep.","start":2507.625,"end":2508.125,"sentiment":"neutral","sentiment_score":0.1385418027639389},{"text":"Mhmm.","start":2517.1448,"end":2517.6448,"sentiment":"neutral","sentiment_score":0.1084374338388443}],"sentiment":"neutral","sentiment_score":0.08027463331818581,"num_words":5,"start":2463.685,"end":2517.6448},{"sentences":[{"text":"No.","start":2531.42,"end":2531.66,"sentiment":"neutral","sentiment_score":-0.12231150269508362},{"text":"Okay.","start":2531.66,"end":2532.16,"sentiment":"neutral","sentiment_score":-0.005906278267502785},{"text":"Mhmm.","start":2545.565,"end":2546.065,"sentiment":"neutral","sentiment_score":0.016276884824037552},{"text":"Yes.","start":2555.19,"end":2555.69,"sentiment":"neutral","sentiment_score":0.15958601236343384},{"text":"Yeah.","start":2561.27,"end":2561.77,"sentiment":"neutral","sentiment_score":0.06833893805742264}],"sentiment":"neutral","sentiment_score":0.023196810856461525,"num_words":5,"start":2531.42,"end":2561.77},{"sentences":[{"text":"Mhmm.","start":2564.165,"end":2564.665,"sentiment":"neutral","sentiment_score":0.014201192185282707},{"text":"Yeah.","start":2565.045,"end":2565.545,"sentiment":"neutral","sentiment_score":0.006620755419135094},{"text":"I don't expect either of us to let last that long.","start":2565.845,"end":2568.745,"sentiment":"neutral","sentiment_score":-0.13652813163670627},{"text":"No.","start":2571.125,"end":2571.625,"sentiment":"neutral","sentiment_score":-0.1081770956516266},{"text":"I'm aiming for I reckon I'm aiming for early eighties.","start":2571.765,"end":2574.645,"sentiment":"neutral","sentiment_score":-0.03735389043577016}],"sentiment":"neutral","sentiment_score":-0.0817793125170283,"num_words":24,"start":2564.165,"end":2574.645},{"sentences":[{"text":"I reckon I'm too much like my mother.","start":2574.645,"end":2576.585,"sentiment":"neutral","sentiment_score":-0.05813670810312033},{"text":"No.","start":2588.69,"end":2588.93,"sentiment":"neutral","sentiment_score":-0.015498608350753784},{"text":"But but but 90 the 90 sound is very encouraging.","start":2588.93,"end":2592.55,"sentiment":"positive","sentiment_score":0.4400732919573784},{"text":"So, yeah, you're on a good good track there.","start":2592.69,"end":2594.795,"sentiment":"positive","sentiment_score":0.6209192209773593},{"text":"Yeah.","start":2594.795,"end":2595.295,"sentiment":"neutral","sentiment_score":0.1457308828830719}],"sentiment":"neutral","sentiment_score":0.3329015351061163,"num_words":29,"start":2574.645,"end":2595.295},{"sentences":[{"text":"Mhmm.","start":2608.2349,"end":2608.62,"sentiment":"neutral","sentiment_score":-0.06613273173570633},{"text":"Yes.","start":2614.86,"end":2615.36,"sentiment":"neutral","sentiment_score":0.05761564522981644},{"text":"Yes.","start":2622.06,"end":2622.56,"sentiment":"neutral","sentiment_score":0.1218625158071518},{"text":"Yeah.","start":2641.54,"end":2642.04,"sentiment":"neutral","sentiment_score":-0.025277115404605865},{"text":"The thing is is as you are speaking and saying this over and over again, I'm starting to think that it it will be it won't be ten years.","start":2643.7,"end":2651.46,"sentiment":"neutral","sentiment_score":-0.22854307191125278}],"sentiment":"neutral","sentiment_score":-0.19817214459180832,"num_words":33,"start":2608.2349,"end":2651.46},{"sentences":[{"text":"I really don't think I don't think Peter will I don't think Peter will last another ten years at work.","start":2651.46,"end":2656.675,"sentiment":"negative","sentiment_score":-0.5066151410341263},{"text":"But but, yeah, you've done the figures for ten years, but I I'm I'm thinking it was probably gonna be a bit less.","start":2658.495,"end":2665.215,"sentiment":"neutral","sentiment_score":-0.19288983034050983},{"text":"Maybe maybe maybe not.","start":2665.215,"end":2667.02,"sentiment":"neutral","sentiment_score":-0.2671564072370529},{"text":"He is only 58.","start":2667.02,"end":2668.3,"sentiment":"neutral","sentiment_score":-0.15874819085001945},{"text":"So if he ten years of making 68.","start":2668.3,"end":2671.1,"sentiment":"neutral","sentiment_score":-0.09031012002378702}],"sentiment":"neutral","sentiment_score":-0.28804861476360744,"num_words":59,"start":2651.46,"end":2671.1},{"sentences":[{"text":"Hey.","start":2671.1,"end":2671.6,"sentiment":"neutral","sentiment_score":0.010499060153961182},{"text":"Yeah.","start":2671.66,"end":2672.16,"sentiment":"neutral","sentiment_score":0.032599590718746185},{"text":"Yeah.","start":2677.98,"end":2678.48,"sentiment":"neutral","sentiment_score":0.06232787296175957},{"text":"Yep.","start":2678.54,"end":2678.985,"sentiment":"neutral","sentiment_score":0.06739383190870285},{"text":"Yep.","start":2680.5051,"end":2681.0051,"sentiment":"neutral","sentiment_score":0.08013908565044403}],"sentiment":"neutral","sentiment_score":0.05059188827872276,"num_words":5,"start":2671.1,"end":2681.0051},{"sentences":[{"text":"Yeah.","start":2684.2651,"end":2684.745,"sentiment":"neutral","sentiment_score":0.05841396003961563},{"text":"Yeah.","start":2684.745,"end":2685.0652,"sentiment":"neutral","sentiment_score":0.047389328479766846},{"text":"Unless it changes because can that change, do you think, in the next couple of years?","start":2685.0652,"end":2689.245,"sentiment":"neutral","sentiment_score":-0.026327581494115293},{"text":"Do you think they can Oh, okay.","start":2689.465,"end":2696.04,"sentiment":"neutral","sentiment_score":-0.01874414618526186},{"text":"Yes.","start":2715.065,"end":2715.565,"sentiment":"neutral","sentiment_score":0.08416341990232468}],"sentiment":"neutral","sentiment_score":-0.013941677645421945,"num_words":26,"start":2684.2651,"end":2715.565},{"sentences":[{"text":"Yep.","start":2729.18,"end":2729.68,"sentiment":"neutral","sentiment_score":-0.06489662081003189},{"text":"Yes.","start":2733.74,"end":2734.24,"sentiment":"neutral","sentiment_score":-0.06099100410938263},{"text":"My sister as well.","start":2736.615,"end":2737.995,"sentiment":"neutral","sentiment_score":-0.18161118403077126},{"text":"Not not the one with the not the one with a lot of money, but the one that's struggling down south.","start":2738.135,"end":2742.475,"sentiment":"neutral","sentiment_score":-0.2853231777747472},{"text":"She's four years older than me.","start":2742.695,"end":2744.135,"sentiment":"neutral","sentiment_score":-0.17629851400852203}],"sentiment":"neutral","sentiment_score":-0.23945182358676737,"num_words":33,"start":2729.18,"end":2744.135},{"sentences":[{"text":"So she's 65 this year, but she has terrible back problems.","start":2744.135,"end":2747.095,"sentiment":"negative","sentiment_score":-0.35613222962076013},{"text":"Well, she's been in the funeral industry.","start":2747.095,"end":2748.875,"sentiment":"neutral","sentiment_score":-0.29389924662453787},{"text":"So well, she so she's chopped and changed from being a person who picks up the deceased, which is very hard on the body, to now so then she changed to just doing services.","start":2749.52,"end":2761.06,"sentiment":"neutral","sentiment_score":-0.29479460330570445},{"text":"But she said, surprisingly, that's hard on the body as well.","start":2761.2,"end":2764.26,"sentiment":"negative","sentiment_score":-0.42960423502055084},{"text":"You know, getting the bodies to and from, you know, crematoriums and and cemeteries and that.","start":2764.6748,"end":2771.335,"sentiment":"neutral","sentiment_score":-0.24593758583068848}],"sentiment":"neutral","sentiment_score":-0.31213181927988803,"num_words":79,"start":2744.135,"end":2771.335},{"sentences":[{"text":"But now she's moved to a call center where she's organizing funerals.","start":2771.4749,"end":2775.635,"sentiment":"neutral","sentiment_score":-0.13988085060069957},{"text":"So she said, I'm hoping I'm hoping I can seek it for another two years, you know, at work.","start":2775.635,"end":2782.04,"sentiment":"neutral","sentiment_score":-0.19651050199019282},{"text":"So she has managed to move with the times, but, you know, when she was doing transfers where she'd wake up in the middle of the night and have to go and pick up a body, And she said, yes.","start":2782.18,"end":2791.545,"sentiment":"neutral","sentiment_score":-0.0918717666529119},{"text":"Yes.","start":2791.545,"end":2791.785,"sentiment":"neutral","sentiment_score":-0.0451415479183197},{"text":"You've got two people working, but she said, my back's just killing me.","start":2791.785,"end":2795.4648,"sentiment":"negative","sentiment_score":-0.41668201180604786}],"sentiment":"neutral","sentiment_score":-0.17116644838277031,"num_words":85,"start":2771.4749,"end":2795.4648},{"sentences":[{"text":"Yeah.","start":2795.4648,"end":2795.625,"sentiment":"neutral","sentiment_score":-0.25102394819259644},{"text":"And she's she's always had terrible back problems.","start":2795.625,"end":2798.025,"sentiment":"negative","sentiment_score":-0.4080010801553726},{"text":"So she's been lucky though that she's now transitioned to just sitting at a desk, taking phone calls, but she's still got a time made the last two years.","start":2798.025,"end":2807.01,"sentiment":"neutral","sentiment_score":-0.12471708886582276},{"text":"It's a long time, isn't it, before you can access a pension?","start":2807.01,"end":2809.59,"sentiment":"neutral","sentiment_score":-0.22641858831048012},{"text":"You know?","start":2809.7302,"end":2810.1301,"sentiment":"neutral","sentiment_score":-0.12292066216468811}],"sentiment":"neutral","sentiment_score":-0.19412870289614567,"num_words":52,"start":2795.4648,"end":2810.1301},{"sentences":[{"text":"And her husband's her husband's 13 years older than her, so he's been on a pension.","start":2810.1301,"end":2815.6702,"sentiment":"neutral","sentiment_score":-0.11781858582980931},{"text":"And then and and yeah, she's she's battling.","start":2816.29,"end":2821.025,"sentiment":"neutral","sentiment_score":-0.22946802526712418},{"text":"So I can imagine if your mom's in aged care.","start":2822.045,"end":2824.925,"sentiment":"neutral","sentiment_score":-0.22730105966329575},{"text":"My god.","start":2824.925,"end":2825.7449,"sentiment":"negative","sentiment_score":-0.4233069121837616},{"text":"Yeah.","start":2825.9648,"end":2826.4648,"sentiment":"neutral","sentiment_score":-0.22559833526611328}],"sentiment":"neutral","sentiment_score":-0.19097471166704152,"num_words":37,"start":2810.1301,"end":2826.4648},{"sentences":[{"text":"Hard work.","start":2827.645,"end":2828.305,"sentiment":"negative","sentiment_score":-0.6021697819232941},{"text":"Yep.","start":2846.0051,"end":2846.5051,"sentiment":"neutral","sentiment_score":0.1139875277876854},{"text":"Yeah.","start":2846.8052,"end":2847.3052,"sentiment":"neutral","sentiment_score":0.03640665486454964},{"text":"Yep.","start":2851.845,"end":2852.345,"sentiment":"neutral","sentiment_score":0.0922074168920517},{"text":"Yep.","start":2869.9402,"end":2870.4402,"sentiment":"neutral","sentiment_score":0.03718751668930054}],"sentiment":"neutral","sentiment_score":-0.1540917412688335,"num_words":6,"start":2827.645,"end":2870.4402},{"sentences":[{"text":"How does it get on, though?","start":2870.5,"end":2871.7,"sentiment":"neutral","sentiment_score":-0.008349859931816658},{"text":"I thought I would not be eligible while Peter was still working.","start":2871.7,"end":2877.5051,"sentiment":"neutral","sentiment_score":-0.14711541372040907},{"text":"Not at all.","start":2877.5051,"end":2878.465,"sentiment":"neutral","sentiment_score":-0.15026121338208517},{"text":"Yeah.","start":2878.465,"end":2878.965,"sentiment":"neutral","sentiment_score":-0.06973464787006378},{"text":"Yep.","start":2884.625,"end":2885.125,"sentiment":"neutral","sentiment_score":-0.014069441705942154}],"sentiment":"neutral","sentiment_score":-0.10217703712861174,"num_words":23,"start":2870.5,"end":2885.125},{"sentences":[{"text":"Mhmm.","start":2888.18,"end":2888.68,"sentiment":"neutral","sentiment_score":-0.004423629492521286},{"text":"Okay.","start":2892.0999,"end":2892.5999,"sentiment":"neutral","sentiment_score":0.00841404777020216},{"text":"Of course.","start":2892.98,"end":2893.7998,"sentiment":"neutral","sentiment_score":-0.004632243886590004},{"text":"Yep.","start":2903.935,"end":2904.435,"sentiment":"neutral","sentiment_score":-0.0015311831375584006},{"text":"Yeah.","start":2906.895,"end":2907.2952,"sentiment":"neutral","sentiment_score":0.023163480684161183}],"sentiment":"neutral","sentiment_score":0.002726371341850608,"num_words":6,"start":2888.18,"end":2907.2952},{"sentences":[{"text":"Yep.","start":2907.2952,"end":2907.7952,"sentiment":"neutral","sentiment_score":0.030773282051086422},{"text":"Mhmm.","start":2913.055,"end":2913.555,"sentiment":"neutral","sentiment_score":0.0025749383494257927},{"text":"Yep.","start":2914.415,"end":2914.915,"sentiment":"neutral","sentiment_score":0.05564475804567337},{"text":"Yep.","start":2918.47,"end":2918.97,"sentiment":"neutral","sentiment_score":0.057623982429504395},{"text":"Yep.","start":2922.63,"end":2923.13,"sentiment":"neutral","sentiment_score":0.04011408612132072}],"sentiment":"neutral","sentiment_score":0.03734620939940214,"num_words":5,"start":2907.2952,"end":2923.13},{"sentences":[{"text":"The trick the trick will be this not to have any assets other than your house, say, by the time you retire.","start":2923.51,"end":2929.13,"sentiment":"neutral","sentiment_score":-0.007340095090595159},{"text":"Really?","start":2929.5898,"end":2930.0698,"sentiment":"neutral","sentiment_score":-0.005505131557583809},{"text":"Essentially?","start":2930.0698,"end":2930.5698,"sentiment":"neutral","sentiment_score":-0.015805423259735107},{"text":"Okay.","start":2937.995,"end":2938.495,"sentiment":"neutral","sentiment_score":0.034129925072193146},{"text":"Okay.","start":2944.955,"end":2945.435,"sentiment":"neutral","sentiment_score":0.13978135585784912}],"sentiment":"neutral","sentiment_score":-0.0003415909953988515,"num_words":26,"start":2923.51,"end":2945.435},{"sentences":[{"text":"Cool.","start":2945.435,"end":2945.935,"sentiment":"neutral","sentiment_score":0.2798815965652466},{"text":"Righto.","start":2945.995,"end":2946.495,"sentiment":"neutral","sentiment_score":0.25944212079048157},{"text":"Good to know.","start":2947.14,"end":2950.0933,"sentiment":"neutral","sentiment_score":0.28911931564410526},{"text":"Yeah.","start":2950.8198,"end":2951.3198,"sentiment":"positive","sentiment_score":0.4030181169509888},{"text":"Give the most.","start":2956.26,"end":2957.24,"sentiment":"neutral","sentiment_score":0.3052656551202138}],"sentiment":"neutral","sentiment_score":0.30283297184440827,"num_words":9,"start":2945.435,"end":2957.24},{"sentences":[{"text":"Because that is another thing that I found of Veronica, my sister, the one who just sold her business and everything.","start":2958.5,"end":2965.015,"sentiment":"neutral","sentiment_score":0.07511438801884651},{"text":"I always thought that she had no super.","start":2965.315,"end":2967.4749,"sentiment":"neutral","sentiment_score":-0.10430548340082169},{"text":"She said, no.","start":2967.4749,"end":2968.035,"sentiment":"neutral","sentiment_score":-0.09174568702777226},{"text":"No.","start":2968.035,"end":2968.4348,"sentiment":"neutral","sentiment_score":-0.07597994804382324},{"text":"We do have super.","start":2968.4348,"end":2969.555,"sentiment":"neutral","sentiment_score":0.011282327584922314}],"sentiment":"neutral","sentiment_score":0.011807313037885202,"num_words":37,"start":2958.5,"end":2969.555},{"sentences":[{"text":"It's not much, but we do have a super fund.","start":2969.555,"end":2971.9548,"sentiment":"neutral","sentiment_score":0.010283782053738833},{"text":"I said, oh, okay.","start":2971.9548,"end":2972.755,"sentiment":"neutral","sentiment_score":0.062167429365217686},{"text":"Well, that's that is good to know because, yeah, it might give you something more to work with if ever I can convince her to talk to you.","start":2972.755,"end":2979.74,"sentiment":"neutral","sentiment_score":0.1661374242976308},{"text":"Yeah.","start":2992.9749,"end":2993.4749,"sentiment":"neutral","sentiment_score":0.040235940366983414},{"text":"Okay then.","start":2993.535,"end":2994.255,"sentiment":"neutral","sentiment_score":0.053124524652957916}],"sentiment":"neutral","sentiment_score":0.11444089795566267,"num_words":45,"start":2969.555,"end":2994.255},{"sentences":[{"text":"Yes.","start":2994.255,"end":2994.755,"sentiment":"neutral","sentiment_score":0.20662027597427368},{"text":"Alright.","start":2996.6548,"end":2997.1548,"sentiment":"neutral","sentiment_score":0.14630916714668274},{"text":"We had just had a small chat recently about life insurance.","start":3017.52,"end":3024.155,"sentiment":"neutral","sentiment_score":-0.09234869175336578},{"text":"We were starting to wonder whether we should stop it.","start":3024.215,"end":3026.775,"sentiment":"neutral","sentiment_score":-0.18500114157795905},{"text":"What's your views on that?","start":3026.775,"end":3028.2349,"sentiment":"neutral","sentiment_score":-0.0366809107363224}],"sentiment":"neutral","sentiment_score":-0.09629721912954535,"num_words":28,"start":2994.255,"end":3028.2349},{"sentences":[{"text":"Yep.","start":3037.1,"end":3037.4202,"sentiment":"neutral","sentiment_score":-0.047765590250492096},{"text":"Still got that.","start":3037.4202,"end":3038.4001,"sentiment":"neutral","sentiment_score":-0.08064992974201839},{"text":"Yep.","start":3040.54,"end":3041.04,"sentiment":"neutral","sentiment_score":-0.032825518399477005},{"text":"Later on.","start":3054.345,"end":3055.325,"sentiment":"neutral","sentiment_score":-0.012568962760269642},{"text":"It would have to yeah.","start":3056.025,"end":3057.6448,"sentiment":"neutral","sentiment_score":-0.021876173093914986}],"sentiment":"neutral","sentiment_score":-0.038088307405511536,"num_words":12,"start":3037.1,"end":3057.6448},{"sentences":[{"text":"I don't ever wanna leave here because we're the area that I live is just beautiful, and we have a lot of we don't have close neighbors because of two and a half acres.","start":3057.9448,"end":3065.93,"sentiment":"neutral","sentiment_score":0.11498766107594266},{"text":"But it's a six bedroom, three bathroom house, and I can't look after it now.","start":3065.93,"end":3070.17,"sentiment":"neutral","sentiment_score":-0.24673774639765422},{"text":"So by the time because I've just moved Veronica and George and they are in their seventies, Veronica's ten years older than me, I said to her, god.","start":3070.17,"end":3078.135,"sentiment":"neutral","sentiment_score":-0.12450848639543567},{"text":"I don't wanna be doing this in ten years.","start":3078.135,"end":3080.2349,"sentiment":"negative","sentiment_score":-0.409309897157881},{"text":"But it's a terrible thought that you have to leave the house that you really love just because it's big.","start":3080.6948,"end":3085.355,"sentiment":"negative","sentiment_score":-0.58685068115592}],"sentiment":"neutral","sentiment_score":-0.17640118901881408,"num_words":106,"start":3057.9448,"end":3085.355},{"sentences":[{"text":"You know?","start":3085.9749,"end":3086.4548,"sentiment":"neutral","sentiment_score":-0.15955784171819687},{"text":"Yep.","start":3086.4548,"end":3086.775,"sentiment":"neutral","sentiment_score":-0.134808748960495},{"text":"So I don't know whether we just close off rooms and don't venture into it.","start":3086.775,"end":3090.48,"sentiment":"neutral","sentiment_score":-0.26742781003316246},{"text":"And and Karl, that's what we gotta do.","start":3092.48,"end":3094.4,"sentiment":"neutral","sentiment_score":-0.11719728913158178},{"text":"Karl Karl Karl Karl.","start":3094.4,"end":3095.78,"sentiment":"neutral","sentiment_score":-0.05468958243727684}],"sentiment":"neutral","sentiment_score":-0.18738927418986956,"num_words":30,"start":3085.9749,"end":3095.78},{"sentences":[{"text":"Because when you see people when I was packing for Veronica, I just, you know, I just thought, oh, I don't wanna be doing this.","start":3096.24,"end":3102.8,"sentiment":"neutral","sentiment_score":-0.2978384518623352},{"text":"Like, packing drawers and drawers of shit.","start":3102.8,"end":3104.98,"sentiment":"negative","sentiment_score":-0.41207321201051983},{"text":"Because you really don't you really you really don't need it, And I was just thinking, oh, I I just need to start calling now so that all my cupboards in the house and, you know, the the things you have your TV standing on and all the drawers and cupboards and everything have nothing in it instead of all the shit that you accumulate and you don't ever look at and you don't want or need or anything like that.","start":3106.5552,"end":3129.5999,"sentiment":"neutral","sentiment_score":-0.18162395161243133},{"text":"But I guess the reason why we were able to refinance was is because they did ask us the question.","start":3129.5999,"end":3136.7249,"sentiment":"neutral","sentiment_score":-0.01853102622553706},{"text":"Well, my finance broker who I went through to get a loan, he he said I've put it to them that Peter's gonna work another ten years.","start":3136.7249,"end":3146.505,"sentiment":"neutral","sentiment_score":-0.02203072093565155}],"sentiment":"neutral","sentiment_score":-0.16254664906882682,"num_words":160,"start":3096.24,"end":3146.505},{"sentences":[{"text":"And, you know, when you're refinancing a loan at the age of 60 for a thirty year loan, they have to know you're not gonna work.","start":3146.88,"end":3155.46,"sentiment":"neutral","sentiment_score":-0.1185227630373377},{"text":"So the so so Troy sort of said, you know, it's it's what I'm putting towards them is that when you retire, you will sell, and you will pay off the loan, and you'll purchase something smaller.","start":3155.5999,"end":3166.955,"sentiment":"neutral","sentiment_score":0.16395753058227333},{"text":"And I said, and that is probably what exactly what's gonna happen, Troy.","start":3166.955,"end":3170.075,"sentiment":"neutral","sentiment_score":0.14951034692617562},{"text":"That is probably right.","start":3170.075,"end":3171.2751,"sentiment":"neutral","sentiment_score":0.23905694112181664},{"text":"You know?","start":3171.2751,"end":3171.675,"sentiment":"neutral","sentiment_score":0.14983117580413818}],"sentiment":"neutral","sentiment_score":0.07541904169157511,"num_words":82,"start":3146.88,"end":3171.675},{"sentences":[{"text":"So that that is what the future looks like that if we don't get the house paid off before we retire, then that, of course, is exactly what we would have to do.","start":3171.675,"end":3180.34,"sentiment":"neutral","sentiment_score":0.1393905102529309},{"text":"Yeah.","start":3182.56,"end":3183.06,"sentiment":"neutral","sentiment_score":0.3081856966018677},{"text":"Yeah.","start":3187.6,"end":3188.1,"sentiment":"neutral","sentiment_score":0.329913854598999},{"text":"Yeah.","start":3197.155,"end":3197.635,"sentiment":"neutral","sentiment_score":0.3153318762779236},{"text":"Yep.","start":3197.635,"end":3198.135,"sentiment":"neutral","sentiment_score":0.2634781002998352}],"sentiment":"neutral","sentiment_score":0.1572107125979823,"num_words":37,"start":3171.675,"end":3198.135},{"sentences":[{"text":"They are.","start":3205.59,"end":3206.3901,"sentiment":"neutral","sentiment_score":-0.02959851734340191},{"text":"Yep.","start":3206.3901,"end":3206.8901,"sentiment":"neutral","sentiment_score":-0.000772045343182981},{"text":"Yep.","start":3209.27,"end":3209.77,"sentiment":"neutral","sentiment_score":-0.0608116090297699},{"text":"And and that must that must have all been put to them because Troy came back and said, oh, look.","start":3210.1501,"end":3214.605,"sentiment":"neutral","sentiment_score":-0.08049193341284991},{"text":"I just told them that you have no intentions of being in this six bedroom, three bathroom house in ten years' time.","start":3214.605,"end":3221.345,"sentiment":"neutral","sentiment_score":-0.2035814208740538}],"sentiment":"neutral","sentiment_score":-0.13498718731621603,"num_words":46,"start":3205.59,"end":3221.345},{"sentences":[{"text":"And but you know the sad thing, Dana, is that our our insurance is 500 a month.","start":3221.565,"end":3226.385,"sentiment":"neutral","sentiment_score":-0.289550046710407},{"text":"That's the because of how much our house is insured for.","start":3226.605,"end":3230.1099,"sentiment":"neutral","sentiment_score":-0.23021244325421072},{"text":"But I said to I said to Peter, I wanna have a chat to our insurance broker because brokers have brokers everywhere.","start":3230.3298,"end":3238.1099,"sentiment":"neutral","sentiment_score":-0.0492615056308833},{"text":"And we were I was chatting to him, and I said, look, How how does insurance work?","start":3238.17,"end":3242.555,"sentiment":"neutral","sentiment_score":-0.054722608450581044},{"text":"I always thought that you couldn't under insure.","start":3242.555,"end":3244.9548,"sentiment":"neutral","sentiment_score":-0.20356109738349915}],"sentiment":"neutral","sentiment_score":-0.14796285221974054,"num_words":75,"start":3221.565,"end":3244.9548},{"sentences":[{"text":"And he said, no.","start":3244.9548,"end":3245.915,"sentiment":"neutral","sentiment_score":-0.1972491554915905},{"text":"You're not supposed to under insure.","start":3245.915,"end":3247.755,"sentiment":"neutral","sentiment_score":-0.20271340509255728},{"text":"I said, because it's like this.","start":3247.755,"end":3249.2148,"sentiment":"neutral","sentiment_score":-0.12885266914963722},{"text":"If this house was to burn down, god forbid, we don't have all children at home anymore, so we wouldn't need to build a house as big.","start":3249.275,"end":3258.0,"sentiment":"negative","sentiment_score":-0.4395419844874629},{"text":"And he said, no.","start":3258.0,"end":3258.6401,"sentiment":"neutral","sentiment_score":-0.20567037165164948}],"sentiment":"neutral","sentiment_score":-0.3291214496848431,"num_words":47,"start":3244.9548,"end":3258.6401},{"sentences":[{"text":"That's exactly right.","start":3258.6401,"end":3259.86,"sentiment":"neutral","sentiment_score":-0.19370916982491812},{"text":"You could build a house for a lot less.","start":3260.08,"end":3262.8,"sentiment":"neutral","sentiment_score":-0.2016387167904112},{"text":"You know?","start":3262.8,"end":3263.2002,"sentiment":"neutral","sentiment_score":-0.08857462555170059},{"text":"So he he took it to the insurance company, and we've just heard back that they won't do it because it would be underinsuring.","start":3263.2002,"end":3268.98,"sentiment":"neutral","sentiment_score":-0.14799305610358715},{"text":"So now we're now we're battling with them to say, hold on a minute.","start":3269.5552,"end":3273.3152,"sentiment":"neutral","sentiment_score":-0.27646879106760025}],"sentiment":"neutral","sentiment_score":-0.1922196467908529,"num_words":52,"start":3258.6401,"end":3273.3152},{"sentences":[{"text":"We've got it insured for 1,700,000, but that's what we would sell it for.","start":3273.3152,"end":3278.195,"sentiment":"neutral","sentiment_score":-0.21103385516575404},{"text":"The land itself would have to be worth something.","start":3278.195,"end":3280.7751,"sentiment":"neutral","sentiment_score":-0.18185475634204018},{"text":"Like, you know, like, we wanna lessen the amount that we had it insured for.","start":3280.995,"end":3285.18,"sentiment":"neutral","sentiment_score":-0.14440980106592177},{"text":"So, surely, we if we were to sell it oh, I don't think we'd get 1.7 to even sell, to be honest.","start":3286.14,"end":3291.66,"sentiment":"neutral","sentiment_score":-0.21925647353584116},{"text":"I think we'd only get one one point three maybe.","start":3291.66,"end":3294.4,"sentiment":"neutral","sentiment_score":-0.09584113545715808}],"sentiment":"neutral","sentiment_score":-0.17913382239639758,"num_words":70,"start":3273.3152,"end":3294.4},{"sentences":[{"text":"So you take the land off that.","start":3294.6199,"end":3296.4,"sentiment":"neutral","sentiment_score":-0.11872827368123191},{"text":"I reckon we should be able to insure it for a million, but at the moment, they don't wanna do it.","start":3296.46,"end":3300.48,"sentiment":"neutral","sentiment_score":-0.19561987086420968},{"text":"So so we're in a bit of a catch at the moment.","start":3301.315,"end":3303.475,"sentiment":"neutral","sentiment_score":-0.2429566668967406},{"text":"Yeah.","start":3303.475,"end":3303.795,"sentiment":"neutral","sentiment_score":-0.14206477999687195},{"text":"Don't know what to do about it.","start":3303.795,"end":3305.335,"sentiment":"neutral","sentiment_score":-0.21931185679776327}],"sentiment":"neutral","sentiment_score":-0.19858006217206517,"num_words":48,"start":3294.6199,"end":3305.335},{"sentences":[{"text":"Yeah.","start":3307.555,"end":3307.875,"sentiment":"neutral","sentiment_score":-0.08556203544139862},{"text":"Yeah.","start":3307.875,"end":3308.375,"sentiment":"neutral","sentiment_score":-0.06797455996274948},{"text":"Yeah.","start":3316.52,"end":3317.0,"sentiment":"neutral","sentiment_score":-0.052809104323387146},{"text":"Yeah.","start":3317.0,"end":3317.5,"sentiment":"neutral","sentiment_score":-0.04602528363466263},{"text":"Yeah.","start":3328.035,"end":3328.535,"sentiment":"neutral","sentiment_score":-0.25922971963882446}],"sentiment":"neutral","sentiment_score":-0.10232014060020447,"num_words":5,"start":3307.555,"end":3328.535},{"sentences":[{"text":"It's well, we've got no chance of flood where we live because we're high up on a little bit of a, you know, hill type thing, but our insurance is 5,000 a year.","start":3328.995,"end":3339.39,"sentiment":"neutral","sentiment_score":-0.25530610210967786},{"text":"Yeah.","start":3341.3098,"end":3341.71,"sentiment":"neutral","sentiment_score":-0.042832743376493454},{"text":"So we have to pay it monthly monthly now because I I just can't find that money.","start":3341.71,"end":3346.7698,"sentiment":"neutral","sentiment_score":-0.2366871651919449},{"text":"You know?","start":3347.15,"end":3347.5498,"sentiment":"neutral","sentiment_score":-0.1937561333179474},{"text":"But I well, I started thinking about it and just put it to our broker, our insurance broker, and I said, look.","start":3347.5498,"end":3352.67,"sentiment":"neutral","sentiment_score":-0.08048124221915548}],"sentiment":"neutral","sentiment_score":-0.19532954022288324,"num_words":75,"start":3328.995,"end":3352.67},{"sentences":[{"text":"To rebuild, we don't have to have a 500 square meter under roof house.","start":3352.67,"end":3357.635,"sentiment":"neutral","sentiment_score":-0.12719532953841345},{"text":"We don't have to.","start":3357.635,"end":3358.7551,"sentiment":"neutral","sentiment_score":-0.1037229523062706},{"text":"We we can build whatever we like.","start":3358.7551,"end":3360.355,"sentiment":"neutral","sentiment_score":0.18192956703049795},{"text":"And he said, no.","start":3360.355,"end":3360.995,"sentiment":"neutral","sentiment_score":-0.09868426620960236},{"text":"That's exactly right.","start":3360.995,"end":3362.215,"sentiment":"neutral","sentiment_score":-0.08163007845481236}],"sentiment":"neutral","sentiment_score":-0.04880458605475724,"num_words":32,"start":3352.67,"end":3362.215},{"sentences":[{"text":"But, yeah, they we just got an email the other day saying that insurance company was saying, no.","start":3362.355,"end":3366.7551,"sentiment":"negative","sentiment_score":-0.3404774044950803},{"text":"No.","start":3366.7551,"end":3366.995,"sentiment":"negative","sentiment_score":-0.6123202443122864},{"text":"We don't like that.","start":3366.995,"end":3367.955,"sentiment":"negative","sentiment_score":-0.6585093587636948},{"text":"We don't like that you're underinsuring.","start":3367.955,"end":3369.335,"sentiment":"negative","sentiment_score":-0.4587956716616948},{"text":"But, yeah, that was to rebuild a house while we had kids all living here with partners and and other ring ins.","start":3370.14,"end":3377.66,"sentiment":"neutral","sentiment_score":-0.20517307248982516}],"sentiment":"neutral","sentiment_score":-0.326304560490683,"num_words":51,"start":3362.355,"end":3377.66},{"sentences":[{"text":"You know?","start":3377.66,"end":3378.14,"sentiment":"neutral","sentiment_score":-0.19770825654268265},{"text":"Like, we would need to would have needed to rebuild this size house, but we've just had Maddie and her partner move out.","start":3378.14,"end":3384.8599,"sentiment":"neutral","sentiment_score":-0.2552676945924759},{"text":"And, you know, our other son's moved out, and another one's thinking of buying.","start":3384.8599,"end":3389.795,"sentiment":"neutral","sentiment_score":-0.19278234562703542},{"text":"And so, you know, I said we wouldn't we wouldn't have to rebuild this size house, so why do we have to insure it?","start":3389.795,"end":3395.895,"sentiment":"neutral","sentiment_score":-0.28375457723935443},{"text":"But apparently apparently, they're wanting us to do that.","start":3396.115,"end":3398.76,"sentiment":"neutral","sentiment_score":-0.2830360283454259}],"sentiment":"neutral","sentiment_score":-0.2544855616158909,"num_words":72,"start":3377.66,"end":3398.76},{"sentences":[{"text":"Yeah.","start":3401.32,"end":3401.64,"sentiment":"neutral","sentiment_score":-0.03936176002025604},{"text":"So he's gonna take it back to them and say to resell it, they wouldn't get 1,700,000 and see what they say then.","start":3401.64,"end":3409.26,"sentiment":"neutral","sentiment_score":-0.07078200343834318},{"text":"Yeah.","start":3414.4348,"end":3414.9348,"sentiment":"neutral","sentiment_score":-0.06284385174512863},{"text":"I just don't know.","start":3415.1548,"end":3415.9548,"sentiment":"neutral","sentiment_score":-0.20712236315011978},{"text":"I haven't put the I haven't put the option to him to say, look, if you started again with another company, a different a different insurer, couldn't you start fresh and say, this is what my house and this is what I wanna insure it for, and this is what I want the contents for, or do they have to know the be all and end all of what you had insured for the last people?","start":3415.9548,"end":3434.51,"sentiment":"neutral","sentiment_score":-0.22082182902254557}],"sentiment":"neutral","sentiment_score":-0.18420133475391637,"num_words":105,"start":3401.32,"end":3434.51},{"sentences":[{"text":"I don't know how it works.","start":3434.51,"end":3435.81,"sentiment":"negative","sentiment_score":-0.38905560473601025},{"text":"Yeah.","start":3440.67,"end":3441.17,"sentiment":"neutral","sentiment_score":-0.02963114157319069},{"text":"No.","start":3441.4148,"end":3441.6548,"sentiment":"neutral","sentiment_score":-0.07740769535303116},{"text":"You haven't had to disclose.","start":3441.6548,"end":3442.9548,"sentiment":"neutral","sentiment_score":-0.12529367059469224},{"text":"Yeah.","start":3443.4949,"end":3443.9949,"sentiment":"neutral","sentiment_score":-0.0253198966383934}],"sentiment":"neutral","sentiment_score":-0.2209400510681527,"num_words":14,"start":3434.51,"end":3443.9949},{"sentences":[{"text":"Yeah.","start":3444.775,"end":3445.275,"sentiment":"neutral","sentiment_score":-0.002712070941925049},{"text":"Yeah.","start":3449.255,"end":3449.755,"sentiment":"neutral","sentiment_score":0.03689434751868248},{"text":"They couldn't go by what they couldn't go by what we bought it for because, you know, back in the day when we bought it, we thought we were kings and queens.","start":3450.855,"end":3459.51,"sentiment":"neutral","sentiment_score":-0.11842859501484782},{"text":"I said, oh, we're really, you know, gonna be going over our budget here, but we love the house so much.","start":3459.51,"end":3465.67,"sentiment":"neutral","sentiment_score":-0.024742897067751204},{"text":"And and now you can't buy a house in flood stricken area in Rockhampton for what we bought it for.","start":3465.67,"end":3470.4949,"sentiment":"neutral","sentiment_score":-0.3262381188571453}],"sentiment":"neutral","sentiment_score":-0.14399861305952072,"num_words":75,"start":3444.775,"end":3470.4949},{"sentences":[{"text":"The what what we bought this for is just an a a 50 year old house now.","start":3472.4749,"end":3477.295,"sentiment":"neutral","sentiment_score":-0.04754965620882371},{"text":"You know, like, skyrocketed so much, and there's nothing available.","start":3477.355,"end":3481.915,"sentiment":"neutral","sentiment_score":-0.11164084374904633},{"text":"So even the the dregs of the of the city are up around the $600,000 mark.","start":3481.915,"end":3488.09,"sentiment":"neutral","sentiment_score":-0.11865053256042302},{"text":"Terrible.","start":3488.55,"end":3489.05,"sentiment":"neutral","sentiment_score":-0.07802798599004745},{"text":"Okay.","start":3503.775,"end":3504.275,"sentiment":"neutral","sentiment_score":0.08085566759109497}],"sentiment":"neutral","sentiment_score":-0.08489629849791527,"num_words":45,"start":3472.4749,"end":3504.275},{"sentences":[{"text":"Yep.","start":3513.69,"end":3514.19,"sentiment":"neutral","sentiment_score":0.24972161650657657},{"text":"Mhmm.","start":3520.41,"end":3520.91,"sentiment":"neutral","sentiment_score":0.16731145977973938},{"text":"Yeah.","start":3521.85,"end":3522.35,"sentiment":"neutral","sentiment_score":0.27625274658203125},{"text":"Yeah.","start":3528.125,"end":3528.625,"sentiment":"neutral","sentiment_score":0.13719293475151062},{"text":"The compounding name.","start":3528.845,"end":3530.305,"sentiment":"neutral","sentiment_score":0.11151814957459767}],"sentiment":"neutral","sentiment_score":0.16643331519195012,"num_words":7,"start":3513.69,"end":3530.305},{"sentences":[{"text":"Yep.","start":3531.0051,"end":3531.5051,"sentiment":"neutral","sentiment_score":0.2317718267440796},{"text":"Yep.","start":3536.125,"end":3536.625,"sentiment":"neutral","sentiment_score":0.1671699583530426},{"text":"Hi, Caleb.","start":3539.35,"end":3540.17,"sentiment":"neutral","sentiment_score":0.1743782013654709},{"text":"Mhmm.","start":3559.025,"end":3559.105,"sentiment":"neutral","sentiment_score":0.11853977292776108},{"text":"Yep.","start":3559.105,"end":3559.605,"sentiment":"neutral","sentiment_score":0.17684583365917206}],"sentiment":"neutral","sentiment_score":0.17384729906916618,"num_words":6,"start":3531.0051,"end":3559.605},{"sentences":[{"text":"Okay then.","start":3568.83,"end":3569.55,"sentiment":"neutral","sentiment_score":0.144414983689785},{"text":"Yeah.","start":3569.55,"end":3569.95,"sentiment":"neutral","sentiment_score":0.26324430108070374},{"text":"Sounds good.","start":3569.95,"end":3570.77,"sentiment":"positive","sentiment_score":0.5080479681491852},{"text":"I think Peter's already made me sign it.","start":3570.83,"end":3572.67,"sentiment":"neutral","sentiment_score":0.18144192174077034},{"text":"I don't know.","start":3572.67,"end":3573.07,"sentiment":"neutral","sentiment_score":0.007232301325226824}],"sentiment":"neutral","sentiment_score":0.19008765516628046,"num_words":16,"start":3568.83,"end":3573.07},{"sentences":[{"text":"You probably got him back already.","start":3573.07,"end":3574.53,"sentiment":"neutral","sentiment_score":0.025208912168939907},{"text":"Yeah.","start":3577.23,"end":3577.47,"sentiment":"neutral","sentiment_score":0.08015213161706924},{"text":"He's already it's already signed, love.","start":3577.47,"end":3579.4949,"sentiment":"neutral","sentiment_score":0.267148161927859},{"text":"Okay.","start":3583.635,"end":3584.135,"sentiment":"neutral","sentiment_score":0.16480129957199097},{"text":"Yep.","start":3584.195,"end":3584.695,"sentiment":"neutral","sentiment_score":0.08592810481786728}],"sentiment":"neutral","sentiment_score":0.13900159870584805,"num_words":15,"start":3573.07,"end":3584.695},{"sentences":[{"text":"Yep.","start":3590.195,"end":3590.695,"sentiment":"positive","sentiment_score":0.3334822654724121},{"text":"Alright then.","start":3595.27,"end":3596.07,"sentiment":"neutral","sentiment_score":0.3186911642551422},{"text":"Lovely talking to you again.","start":3596.07,"end":3597.51,"sentiment":"positive","sentiment_score":0.8168587803840637},{"text":"Thank you so much for looking after it.","start":3597.51,"end":3605.03,"sentiment":"positive","sentiment_score":0.5681155510246754},{"text":"Okay.","start":3605.03,"end":3605.3499,"sentiment":"neutral","sentiment_score":0.2485954463481903}],"sentiment":"positive","sentiment_score":0.579334020614624,"num_words":17,"start":3590.195,"end":3605.3499},{"sentences":[{"text":"Thanks, Dana.","start":3605.3499,"end":3606.23,"sentiment":"positive","sentiment_score":0.5456675887107849},{"text":"Bye bye.","start":3606.23,"end":3606.97,"sentiment":"positive","sentiment_score":0.3415035754442215}],"sentiment":"positive","sentiment_score":0.4435855820775032,"num_words":4,"start":3605.3499,"end":3606.97}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. This is Yvonne.\n\nChannel 0: Hi, Yvonne. This is Dana from OQ Financial. How are you?\n\nChannel 1: I'm good. And yourself?\n\nChannel 0: I'm very well. Thank you. I had your staff and Peter both booked in to go through your updated advice document. Is now still a good time for you?\n\nChannel 1: Yes. Great. Yep.\n\nChannel 0: Yep. Beautiful. Beautiful. I'm gonna send you an email. Is either of you or both of you able to jump into your emails and view\n\nChannel 1: Yep.\n\nChannel 0: the document at all?\n\nChannel 1: Yeah. On our phones. Is that alright?\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: That's absolutely fine. Not a problem at all. All good. And is Peter there with you as well?\n\nChannel 1: Yes. He is. Yeah. He's here.\n\nChannel 0: Beautiful. Beautiful. Excellent. How have you both been? How's your day going?\n\nChannel 1: Yeah. Not too bad. Let me just yell at this cockatoo. Hold on a minute.\n\nChannel 0: You're right.\n\nChannel 1: Shut up. Stop it. That'll last thirty seconds. He wants to get out.\n\nChannel 0: Oh, it's is one of your pet, is it?\n\nChannel 1: Yeah. Cockatoo. Yeah. It drives us nuts.\n\nChannel 0: I bet. I bet.\n\nChannel 1: Okay. We're right.\n\nChannel 0: Yep.\n\nChannel 1: There you\n\nChannel 0: All\n\nChannel 1: go.\n\nChannel 0: good.\n\nChannel 1: Down in Charlotte. Yep. I got that.\n\nChannel 0: Got that one. Beautiful. Beautiful. Now before I jump in and go through this with you, just to let you know, we do record our calls for quality and training purposes. Are you both happy for me to proceed with that?\n\nChannel 1: Yeah. That's fine. Yep.\n\nChannel 0: Lovely. And just to do security, just the phone of you is fine. If I just get you, Yvonne, just to confirm your date of birth and address for me?\n\nChannel 1: 1964. 30 Green Avenue,\n\nChannel 0: Yep.\n\nChannel 1: Glenley 4711.\n\nChannel 0: Oh, beautiful. Thank you so much for that.\n\nChannel 1: Mhmm.\n\nChannel 0: So with regards to the advice there, as you open it up, the first page does let you know, has been prepared for both of yourselves as sorry. By myself and my lovely team here, my authorized representative number is 1304394.\n\nChannel 1: Yes.\n\nChannel 0: All advice that we're going through is provided under the best interest duty there, essentially, with this advice document. We did the annual review last year, and I apologize for taking a little bit long to get this one out to you. But we were just looking at making sure that you were on track, looking at, you know, where you were going retirement wise. You both made mention that you were both looking to retire, hopefully, in the next ten years. And, Katie, you're back at work now.\n\nYou've got a new job.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Fantastic. Michelle made mention that you off the twenty one days, you'll be working for this stint.\n\nChannel 1: Yeah. Twenty one days\n\nChannel 0: Wow.\n\nChannel 1: and all for seven. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Three\n\nChannel 0: Wow.\n\nChannel 1: on three\n\nChannel 0: That's\n\nChannel 1: on,\n\nChannel 0: a,\n\nChannel 1: one off.\n\nChannel 0: yeah,\n\nChannel 1: It's\n\nChannel 0: that's a\n\nChannel 1: up\n\nChannel 0: long\n\nChannel 1: in the Northern\n\nChannel 0: stint, isn't\n\nChannel 1: Territory,\n\nChannel 0: it?\n\nChannel 1: so they can't afford to come back and forth, I suppose.\n\nChannel 0: No. Absolutely.\n\nChannel 1: Hey. Listen. I didn't get anything through on my email, so I don't know. I got yours, but Oh, you've got mine.\n\nChannel 0: That's okay. The email I had for both of you was the same email address. I've got peter.wooderson1@bigpond.com down\n\nChannel 1: Trying to\n\nChannel 0: for\n\nChannel 1: do\n\nChannel 0: both\n\nChannel 1: it with Ned\n\nChannel 0: of you\n\nChannel 1: and Micron.\n\nChannel 0: on file. So it's gone through\n\nChannel 1: Yeah.\n\nChannel 0: to the same email.\n\nChannel 1: Okay. That's alright.\n\nChannel 0: Yep.\n\nChannel 1: We'll just do it on his phone. That's okay.\n\nChannel 0: Yeah. That's okay. When you go into the email inbox, there'll be two\n\nChannel 1: Alright.\n\nChannel 0: individual\n\nChannel 1: Sign\n\nChannel 0: invitations.\n\nChannel 1: that, Ethan. That's yours. I'm listening to Dana Love. Yeah. I know.\n\nSo she's telling me. Go into there and sign it. Sign that.\n\nChannel 0: It's all good, honestly. It's so good to talk to you both again. I've missed having a little chat. So what I did was I went back after the review last year. We had a bit of a look at everything with you, Super.\n\nI am making a recommendation to make a couple of changes. This year, especially, we have seen some changes in the market conditions. So it did mean that we wanted to update some of your investment options.\n\nChannel 1: Yep.\n\nChannel 0: I've done that for you, and this is essentially outlining that, and then we are working towards being able to retire. You guys mentioned in the next ten years, if anything changes, we can always look at this. But I wanted\n\nChannel 1: Yep.\n\nChannel 0: to, as part of this document, kind of show you where we're tracking for, not just for the projection table, but just sort of showing you where you might be tracking for in retirement, how long Susan might be expected to last with the draw downs and things like that. So I put a little bit more into this for you. Okay?\n\nChannel 1: He sent me Hold on a minute, Donna.\n\nChannel 0: You're right.\n\nChannel 1: He sent me both of yours. Two of yours, not two of yours. He hasn't got one of his. He's got two emails and both of mine. Oh, it doesn't matter.\n\nHe's got it.\n\nChannel 0: It's okay. One of them should be for one should say Peter, one should say Yvonne.\n\nChannel 1: I'm both on the same thing, ma'am.\n\nChannel 0: On the same email. Yeah. Because on file, the last time we updated the details, you just wanted needed to use the same email address. So we have the same email address on file, so that's\n\nChannel 1: Yeah. I\n\nChannel 0: okay.\n\nChannel 1: don't I don't get I don't get his emails anymore. I would like to,\n\nChannel 0: Oh,\n\nChannel 1: but\n\nChannel 0: that's\n\nChannel 1: they\n\nChannel 0: okay.\n\nChannel 1: won't come through on my new phone. I\n\nChannel 0: Oh, that's\n\nChannel 1: can't set it up. Yeah. I don't know how to do it. He doesn't\n\nChannel 0: email\n\nChannel 1: would\n\nChannel 0: if we could get around it, it'd be great. When the technology can be a pain when it don't work.\n\nChannel 1: Yeah.\n\nChannel 0: No. That's honestly okay. It's not a problem at all. To make this a bit easier, there is quite a lot of pages\n\nChannel 1: Mhmm.\n\nChannel 0: there, but I'll just sort of make it a bit easier for you both. If I can get you to go down to page number 20 for me, I'll just\n\nChannel 1: Yep.\n\nChannel 0: take you through what these recommendations are, and then I'll show you why I've made them this way for you. Perfect. Now, Peter, you are still a high growth investor, so we're still looking at the high growth portfolio for yourself there. But as I kinda made mention, I've had a bit of a look at your investments, done a bit of looking around and seeing how things are structured for you, and I am\n\nChannel 1: Yep.\n\nChannel 0: making a bit of a recommendation that we make a change to these. So you both have been along Australian equities inside your inside your papers the last couple of years, and then along long term has been a great investment. But since January, it's actually been underperforming pretty significantly. So\n\nChannel 1: Yeah. I noticed\n\nChannel 0: we went\n\nChannel 1: that. Yeah.\n\nChannel 0: so we went back and we spoke to Servi and Bart and sort of said, look. This isn't working. We need to find something else. So we've done a bit of research around what to alter and to how to move that investment. So we're gonna sell that for both of your portfolios, and we're moving the funds out of Benelong Australian equities and into the a 200, which is the second one from the bottom there, the BetaShares Australian 200.\n\nNow\n\nChannel 1: Yeah.\n\nChannel 0: this investment yeah. Sorry.\n\nChannel 1: How do I get to that again, ma'am? Page 20. You're the best to be\n\nChannel 0: Page\n\nChannel 1: on.\n\nChannel 0: 20. Sorry. You're right. Tell me if\n\nChannel 1: Hang\n\nChannel 0: I need and it goes slower for you, Peter.\n\nChannel 1: on. Hang on. 20. Yep. Page 20.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: That's the one. Yeah. So we're gonna sell all of the Bannalong Australian equities. Now Bannalong is a managed fund, and the reason it was in everyone's portfolios back in the day was that it was more of an actively managed component. So the investment committee of that managed fund are supposed to be buying and selling and trying to outperform against the market.\n\nAnd as everyone sort of noticed, they have not been. We flagged it\n\nChannel 1: Yep.\n\nChannel 0: as soon as we started this year, and we're like, we have to get this out. So we've been going to doing advice to everyone to try and alter the portfolio, but making sure we're investigating what's important to you guys as per your goals.\n\nChannel 1: Yeah. I stayed by the longest more than 64,000.\n\nChannel 0: Yeah. So this is actually selling it. So this says that you've got $64,007.46 in that Bennelong Equities investment, and we're gonna sell all of that,\n\nChannel 1: Yep.\n\nChannel 0: sell it all down. Bennelong normally has about 25 to 30 different investments in it. So by moving the money into the beta shares Australian 200, you're actually tracking the top 200 companies in Australia. And because Benelong\n\nChannel 1: Yep.\n\nChannel 0: only has between 20 to 30 different investments at any one particular time, moving into the a 200 gives you more diversification in your portfolio. So it's helping to lower the overall risk. We're diversifying across more Australian equities as well, and it's actually cheaper. It's a passively managed fund, and it's actually cheaper than holding Benelon. So it's gonna help in reducing your investment costs as well in your in\n\nChannel 1: Yes.\n\nChannel 0: your fund.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. I did look at all the super funds. Netwealth is still really important to retain for the both of you for the time being. I did I do look at the tax consequences of moving out. Netwealth is still a great platform.\n\nThere's no real changes in the platform that require us to move you out at the moment, so I'm retaining Netwealth.\n\nChannel 1: Yeah.\n\nChannel 0: The other investments, gold has performed really, really well. So we are keeping gold, but we are just rebalancing a little bit for you there, Peter. So you have about 7.58% now. I'm gonna sell down a little bit just to 7%. We're just cementing some of the gains that's received and making sure we distribute those elsewhere, keeping, you\n\nChannel 1: Yep.\n\nChannel 0: know, rebalancing your portfolio as well is really important. The BetaShares cybersecurity, we're gonna buy a bit more of that. You've got 5.51 now. Just need to rebalance up to 6% for you. The\n\nChannel 1: Yep.\n\nChannel 0: iShares Europe is still a great place to be giving you diversification across the entire European all the European countries there. There's about 16\n\nChannel 1: Yep.\n\nChannel 0: of them, I believe. You're underweighted there, so that's gonna increase that to 9% for you. We've also got here the the Misky Europe one. We're gonna get rid of that completely. Yep.\n\nWe're gonna sell all of that down to zero. And then the Japanese one, we're going to just sell a bit down to bring you back to 5%\n\nChannel 1: Yeah.\n\nChannel 0: there. Japan is still really important.\n\nChannel 1: I think\n\nChannel 0: It's been really great. Yeah.\n\nChannel 1: I think it's already gone. Yeah. It's got a dim red,\n\nChannel 0: Yeah.\n\nChannel 1: but it's all\n\nChannel 0: So\n\nChannel 1: solved.\n\nChannel 0: that\n\nChannel 1: Yeah.\n\nChannel 0: yeah. Well, these haven't been sold yet. This is what we're going to do if you sign the advice.\n\nChannel 1: Alright.\n\nChannel 0: So we haven't quite\n\nChannel 1: Yep.\n\nChannel 0: done that as of yet. Yeah. I I promise never to sell anything until you tell me it's okay to do so.\n\nChannel 1: Yeah. Because I kept looking at me net me so far and thinking, I could never retire off this.\n\nChannel 0: Yeah. No. No. We needed\n\nChannel 1: But anyway\n\nChannel 0: to make some changes, and I wanted to make sure this happened for you. So when we came back and saw what was going on, I wanted to make sure we updated this advice for you\n\nChannel 1: Yeah.\n\nChannel 0: and show you what you know, make sure that things are working harder for you moving forward as well. Yeah.\n\nChannel 1: So if I if I figure out what I should have been paid in super off of my employers,\n\nChannel 0: Mhmm.\n\nChannel 1: Are you able to have a look to see if it has been all been paid?\n\nChannel 0: Yeah. Yeah. Absolutely. Yep. Definitely.\n\nChannel 1: Yeah. Because I've I've I've every time I go on a Netwealth, I can't see it all being paid.\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: Interesting.\n\nChannel 1: over the last year, I'm gonna go through it, and I'll I'll do\n\nChannel 0: Mhmm.\n\nChannel 1: up a list. And even if I email it to you and just see if\n\nChannel 0: Yes.\n\nChannel 1: it's all been paid,\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: because I've got I've still got I've still got every time sheet. So\n\nChannel 0: Yep. Perfect. Yeah. If you can let me know how much you should have been paid, I can go through and have a look at all the transactions from the day we opened Netwealth, and I can\n\nChannel 1: yep.\n\nChannel 0: let you know what you what you've gotten, what you might be missing, and\n\nChannel 1: Yeah.\n\nChannel 0: kinda marry it all up for you. Absolutely. Yeah.\n\nChannel 1: Yeah. No. That's alright. Yeah.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: Because because\n\nChannel 0: All\n\nChannel 1: out\n\nChannel 0: good.\n\nChannel 1: of all the the twelve months, I kept watching me super go down. And I thought, how could that be when Because it's been the market. Yeah. It's\n\nChannel 0: Yes.\n\nChannel 1: yeah. No. I know. But then I think, well, a thousand dollars got paid this week this this week. So how can I go down that much?\n\nBecause it's a market. Yeah. It is the market. I understand\n\nChannel 0: It is.\n\nChannel 1: that. But When\n\nChannel 0: Yeah.\n\nChannel 1: the war\n\nChannel 0: Yeah.\n\nChannel 1: when the war broke out.\n\nChannel 0: Yeah.\n\nChannel 1: Alright.\n\nChannel 0: We can bank transfer that one.\n\nChannel 1: Oh, no. No. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Mister\n\nChannel 0: No.\n\nChannel 1: freaking\n\nChannel 0: It\n\nChannel 1: Trump, and he's\n\nChannel 0: it\n\nChannel 1: right\n\nChannel 0: has been\n\nChannel 1: our deal.\n\nChannel 0: yeah, no. It has been very, very up and down. It's a little bit scary that one man has can do so little and or make one tweet and most and people start to sell and freak out about what's happening in the markets\n\nChannel 1: Yeah.\n\nChannel 0: there.\n\nChannel 1: Terrible.\n\nChannel 0: So it's\n\nChannel 1: What\n\nChannel 0: a\n\nChannel 1: what\n\nChannel 0: little\n\nChannel 1: got\n\nChannel 0: bit\n\nChannel 1: me,\n\nChannel 0: scary.\n\nChannel 1: Diana, was the day before the war started, no one even knew the war gonna start. His son bought\n\nChannel 0: No.\n\nChannel 1: 30,000,000 shares in oil.\n\nChannel 0: Yes. I know. We saw that. We were like, woah. That was a clever move.\n\nJeez.\n\nChannel 1: Yeah. But I reckon he was tipped off. Of course. He was tipped\n\nChannel 0: Oh, absolutely.\n\nChannel 1: off.\n\nChannel 0: There's another thing I've noticed as well because I've been doing a lot of research for clients around the oil side of things. But when you look at, like, where a lot of the ships are coming from at the moment, a lot of them are coming from The US.\n\nChannel 1: Yeah.\n\nChannel 0: So it's kind of a little bit clever. It's annoying, but very clever that, you know, this has happened, and where do we have to go to buy oil?\n\nChannel 1: Yeah.\n\nChannel 0: The US.\n\nChannel 1: Yeah. Of course. He's created he's created a fantastic market for for the\n\nChannel 0: Correct.\n\nChannel 1: mall over there. Just ridiculous.\n\nChannel 0: Correct. Yep. Yep. So we'll have to wait and see what happens. But, yeah, no.\n\nLook. Things have been very, very up and down within markets. I think March was probably the biggest drop that we've seen this year so far. But we have\n\nChannel 1: Yep.\n\nChannel 0: also seen some sort of recovery from it as well. So we thought while the market is moving the way it is at the moment, let's take advantage of that. We'll do, you know, the investment switches for you guys now. That way, you know, where the gains that have been made from some of the investments will be redistributing those across. And then while the market is seeing some downtime, we're buying into some of those investments at a discounted rate.\n\nSo we can take\n\nChannel 1: Yep.\n\nChannel 0: a bit of an advantage of those downtimes, and then just keep monitoring things moving forward and let you know when we need to make updates and changes for you both as well.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: All good. But I can safely tell you I have been watching it very, very closely. And if there was anything really scary I think we needed to get out of the market, I'd definitely let you guys know. But right now, it's the biggest dips haven't been massive. They're being maybe three, four, 5%, so nothing really, really scary\n\nChannel 1: Yeah.\n\nChannel 0: as of\n\nChannel 1: Mhmm.\n\nChannel 0: yet. So yeah. All good. But with this one here, Peter, the only other changes are you've got some s and p\n\nChannel 1: Yep.\n\nChannel 0: 500. So we're rebalancing that, keeping in that one. I know it is a US investment, and there are some people who are a bit skeptical about The US investments, but it is still a great place to be. And especially with what Trump is doing now, it's benefiting The US, so it's still good to be invested in that. The thing I like\n\nChannel 1: Yep.\n\nChannel 0: about the S and P 500 is that it is the top 500 companies in The US, and it tracks the S and P 500 index. The investment committee for the index actually do meet every quarter, and they essentially assess the companies in the index. So if a company isn't doesn't meet the criteria to be in the top 500, they\n\nChannel 1: And\n\nChannel 0: are\n\nChannel 1: they're\n\nChannel 0: removed\n\nChannel 1: out.\n\nChannel 0: out, and others are put in their place. So you are always tracking the top 500 companies, and that\n\nChannel 1: Mhmm.\n\nChannel 0: way you're not in companies that are underperforming against the market and don't meet that criteria.\n\nChannel 1: Yes.\n\nChannel 0: Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah. A bit more diversification with the Vanguard All World Index, excluding The US because we have the S and P 500 there, making sure\n\nChannel 1: Yep.\n\nChannel 0: that we're diversifying your portfolio because you guys are about ten years out, but you are closer to time at years. Diversification to help lower the risk of making sure we're hitting as many markets as we can\n\nChannel 1: Yep.\n\nChannel 0: for you. And try to keep the investments a bit more passive, low cost so things are working for you, but you don't wanna be paying everything out in investment fees as well. So\n\nChannel 1: Yep.\n\nChannel 0: this is a really good portfolio for getting closer to those retirement years. The beta shares a 200, which is the top 200 companies on the ASX, and then we've got core composite bonds. These are defensive investments. The core composite bonds are government as well as banking bonds and company bonds. Inside this investment, we also have things like credit notes, and it's not just Australian bonds.\n\nIt's also worldwide as well. So it's giving you\n\nChannel 1: Yeah.\n\nChannel 0: diversification, low risk, and these sorts of investments pay out dividends on a monthly basis so they can help with the income producing in your portfolio as well. Okay.\n\nChannel 1: Yeah. So what\n\nChannel 0: Excellent.\n\nChannel 1: is on a a core competent comp composite bond,\n\nChannel 0: Yeah.\n\nChannel 1: it's got an oh, you've got shares already in that, have you?\n\nChannel 0: No. You've at the moment, the current waiting is zero, so you don't have that as of yet.\n\nChannel 1: Oh, yeah.\n\nChannel 0: We're gonna,\n\nChannel 1: Yep.\n\nChannel 0: yeah, we're adding that in for you. Yeah.\n\nChannel 1: Yeah. Right. Yeah. I see all\n\nChannel 0: Yep.\n\nChannel 1: that. Yeah. I see that\n\nChannel 0: Yeah.\n\nChannel 1: it everything in green, you're buying, and everything in red, you're selling.\n\nChannel 0: Absolutely. Yeah. And at the moment, I did notice with your portfolio, you do have a little bit more in cash than what we'd like. At the moment, your cash balance if you go down to the next page, you have about 20,000 in cash. So a lot more in cash than we would wanna keep.\n\nCash doesn't really do anything. So we're gonna invest a bit more in the rest of the portfolio and\n\nChannel 1: Yep.\n\nChannel 0: remove about 17,000 in cash, distribute that across the portfolio. So you should only have a target weight of about 2,710 in cash\n\nChannel 1: Yeah.\n\nChannel 0: after the changes are being made. Yeah. The if you get under page 23, this is essentially showing you the changes and how that'll affect your super. The first column has your current scenario. So you've got your current balance there, the fees that you're paying, your contributions based on your current wage, and we know that with your job at the moment that you you're casual now.\n\nYou'll go to part or full time down the track, and your wage will probably drop a little bit. So this\n\nChannel 1: Yep.\n\nChannel 0: is based\n\nChannel 1: Yep.\n\nChannel 0: on your current expected contributions. In the appendix, I've also done a secondary one of these, which shows if your wage was around, say, 90,000 on a yearly basis and the contributions were lower, what the difference might be. But it still puts you in a really good position, and we can, you know, always meet up in the next six months and sort of see what's changing and reevaluate where things are tracking. But this is just using a conservative contribution rate based on your current income. Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: In order to make the changes, we do know that your super fund does a tax return like you do every year, and it does pay tax. So I did go back and calculate and look at the tax consequences for buying and selling the different investments, and that's in the different column here, the 02/1975. So in order to make the changes, the capital gains tax your super fund will account for is about $275 there.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Yep.\n\nChannel 0: So only a small capital gains, which is good. And we're not moving at a net wealth. There's no sort of point to change that in net wealth. I did look at other funds to see if there's anything that was gonna be cheaper or better, but we'd have to sell the entire portfolio down, which would end up in a larger capital gains consequence. I didn't wanna do that.\n\nI wanna limit the amount of taxes you've gotta pay and things like that on your fund.\n\nChannel 1: Yep.\n\nChannel 0: So keeping you in net wealth, but making the changes, you can see the investment fee drops drastically. So we can save you about a thousand and $35 on the investment fees\n\nChannel 1: I can't say\n\nChannel 0: for\n\nChannel 1: that.\n\nChannel 0: making\n\nChannel 1: Yeah.\n\nChannel 0: the change, yeah, which is really good because, you know, we don't really be paying lots of fees for the investment. We wanna save you as much money as possible. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Excellent. With we do expect, obviously, growth the the growth at the bottom there is higher. So with your current portfolio, the five year rolling average has averaged about 8.32% on a yearly basis. This newer\n\nChannel 1: Yep.\n\nChannel 0: portfolio, when we look at how it's performed over the past five years, it's averaged about 17.2 three two percent, and we can sort of see if the market performs the way it has over the last five years and it continues that way. On the next page, you'll see the projection forward of where you could end up over the next five or ten years depending on what\n\nChannel 1: Alright.\n\nChannel 0: happens in the market. So I never never gonna guarantee you'll get 17% every year. However, if the market was able to generate that over the next five to ten years, this is essentially where you could see your balance ending up. Okay?\n\nChannel 1: Yes. No.\n\nChannel 0: Beautiful.\n\nChannel 1: That's okay.\n\nChannel 0: Yeah. And we'll just keep making sure we do our reviews every year with you, see how things are going, and make sure you're sort of looking forward and on track there. Okay?\n\nChannel 1: Yep. Not a problem.\n\nChannel 0: Beautiful. I do obviously have in there the advantages, disadvantages, the risks involved. The advantages of this portfolio is definitely a lot cheaper for you, has performed much greater there. The disadvantages are that you've got the CGT consequences. There's also no guarantees market will markets will react the way they have in the past, but\n\nChannel 1: Yep.\n\nChannel 0: we certainly do hope so. And this portfolio has shown over the past, you know, three to five to ten years that it's had a much greater track record. So we\n\nChannel 1: Yep.\n\nChannel 0: utilize that data to project forward knowing that this is what it could do in the future if it acted the same way it has in the past.\n\nChannel 1: Oh,\n\nChannel 0: Okay?\n\nChannel 1: okay. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yvonne, with your portfolio, you're in a growth portfolio, so you're a little bit lower risk on things than where Peter is. He's in that high\n\nChannel 1: Mhmm.\n\nChannel 0: growth environment. And on page number 30 is essentially the changes we'll make to yours.\n\nChannel 1: Okay. He's just getting it up on his phone.\n\nChannel 0: That's okay. You're fine.\n\nChannel 1: Before before we start though, I I\n\nChannel 0: Yeah.\n\nChannel 1: because mine's not probably gonna grow because I'm not working anymore,\n\nChannel 0: Mhmm.\n\nChannel 1: I I can't help but wonder whether I would make more money by putting it all on my house.\n\nChannel 0: Well, I did sort of look at that, and our interest rates have definitely changed since since we sort of last spoke. So I can relook at it again for you. At the moment, I've left it in super and tried to make it work, you know, with the portfolio as much as possible. Because your goal at the time was to kinda keep it working. You said you didn't wanna touch it for ten years.\n\nChannel 1: Yes.\n\nChannel 0: But\n\nChannel 1: Yes.\n\nChannel 0: if you wanna if you want to, I can go back and have a look at the difference and see if, you know, it's better to put it on the house. Or if\n\nChannel 1: Yeah.\n\nChannel 0: at any point you decide you don't wanna keep it in super and you just wanna pay off your home loan or pay your home loan down, you can let me know, and we can absolutely take it all out. It's not a problem.\n\nChannel 1: Do\n\nChannel 0: It\n\nChannel 1: do\n\nChannel 0: just\n\nChannel 1: I\n\nChannel 0: comes\n\nChannel 1: have to\n\nChannel 0: down\n\nChannel 1: pay\n\nChannel 0: to what\n\nChannel 1: do\n\nChannel 0: your\n\nChannel 1: I\n\nChannel 0: preference is.\n\nChannel 1: does cap does what did you just say to Peter? Capital gains come into it when you're just getting it out for retirement purposes? Like, do you still\n\nChannel 0: It\n\nChannel 1: pay\n\nChannel 0: it\n\nChannel 1: cap\n\nChannel 0: does.\n\nChannel 1: it does.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Right.\n\nChannel 0: You don't, but your super fund does.\n\nChannel 1: Oh,\n\nChannel 0: So\n\nChannel 1: okay. Yep. Yep.\n\nChannel 0: if we\n\nChannel 1: Yep.\n\nChannel 0: were to, I could absolutely have a look at what the total capital gains were, and\n\nChannel 1: Yep.\n\nChannel 0: your fund just essentially holds that money back, and you just get the difference out. So if that's something you wanted me to look at, I absolutely can. Out. So if\n\nChannel 1: Yeah.\n\nChannel 0: that's something you wanted me to look at, I absolutely can. I know since we last sort of caught up, interest rates have gone up and down\n\nChannel 1: Okay.\n\nChannel 0: and\n\nChannel 1: Well, I'm\n\nChannel 0: sideways\n\nChannel 1: not gonna have\n\nChannel 0: and\n\nChannel 1: any I'm not gonna\n\nChannel 0: yeah.\n\nChannel 1: have much growth because I'm not contributing. You know what I mean? And, like, I I don't know. I'm I would have to it would take me a lot more than what it would take you to figure out what what was worthwhile and what wasn't. You know?\n\nLike, with the small amount that I've got in super, and you\n\nChannel 0: Yeah.\n\nChannel 1: were saying to Peter that it could be 17% at its best, Is\n\nChannel 0: Mhmm.\n\nChannel 1: that is that what you could I could possibly increase my super buy without\n\nChannel 0: You\n\nChannel 1: con\n\nChannel 0: are\n\nChannel 1: contributions? Oh, his\n\nChannel 0: yeah. And\n\nChannel 1: mine\n\nChannel 0: look\n\nChannel 1: would be different. Yeah.\n\nChannel 0: yeah. It would be different. We've seen a contributions going in, it does make a bit more of a difference.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: We can also look at if you wanted me to, I can also look at contribution splitting. So when Peter sort of does go full time, I can look at even splitting some of his contributions into your super so you are getting contributions. We can\n\nChannel 1: But\n\nChannel 0: also\n\nChannel 1: what\n\nChannel 0: do\n\nChannel 1: but what but what\n\nChannel 0: other\n\nChannel 1: does that get what does that get us really? Like, wouldn't it be better\n\nChannel 0: yeah.\n\nChannel 1: off just staying in in his super and being a larger super that we can't get our greedy little hands on?\n\nChannel 0: Yeah. It normally does work out much better that way. It also\n\nChannel 1: Yeah. I\n\nChannel 0: just\n\nChannel 1: reckon.\n\nChannel 0: comes down to what your preference is.\n\nChannel 1: I I don't really\n\nChannel 0: But\n\nChannel 1: need to see\n\nChannel 0: yours\n\nChannel 1: mine growing and his being less. You know what I mean? It's I just\n\nChannel 0: yeah.\n\nChannel 1: know that I can get at mine. I'm able to get\n\nChannel 0: Yeah.\n\nChannel 1: at mine, and would it be better sitting on our our house loan our house loan is almost to 300,000, but that's with money sitting on it. I I already have\n\nChannel 0: Yeah.\n\nChannel 1: 80,000 sitting on it.\n\nChannel 0: Yes.\n\nChannel 1: So I would be essentially putting another 110 on it if I was to get it all out of super. So\n\nChannel 0: Yeah.\n\nChannel 1: it would, you know, would take take it down to about 200,000. And I was just\n\nChannel 0: Yep.\n\nChannel 1: wondering how how much of a savings I would make on interest, paying interest. You know? I don't know. I just\n\nChannel 0: Yeah. That's that's okay. If you wanted to send me through an updated statement with your interest rate, I can have a look at it for you if you like and send you through a comparison. That's absolutely fine.\n\nChannel 1: yep.\n\nChannel 0: With with the, I mean, with the portfolios, the interest the sorry. The rate of return that you've got in here is showing you the average over the past three to five years. But\n\nChannel 1: Yep.\n\nChannel 0: these portfolios can see rates of return of five, ten, 20%. And with a\n\nChannel 1: Yes.\n\nChannel 0: balance of a 110,000, even having a three or a 5% return can make a bit of a difference, especially when it is compounded. So you could see this grow pretty significantly. To make it easier, if you just scroll down for me to page 33, I'll actually show you the projection before I\n\nChannel 1: Yep.\n\nChannel 0: go through the changes because\n\nChannel 1: Okay. I'm on the yep.\n\nChannel 0: yeah. So you'll see you've got your current balance at the moment, which is $112,003.08 5. If I'm making\n\nChannel 1: Mhmm.\n\nChannel 0: the changes, I'll take you back to this in a moment. The CDT expected is $2.69, for $269. We're saving about $720 in investment fees,\n\nChannel 1: Yep.\n\nChannel 0: and the portfolio that you're in currently has averaged 6.07%, whereas this newer portfolio has averaged 12.97%. So, again, you may not get that. You might get a 5% return one year,\n\nChannel 1: Yep.\n\nChannel 0: a 10\n\nChannel 1: Yep.\n\nChannel 0: percent return\n\nChannel 1: Yep.\n\nChannel 0: the next year. You might get a 15 or 20% return the following year, and it's absolutely\n\nChannel 1: Yep.\n\nChannel 0: possible even without contributions going in. Because\n\nChannel 1: Mhmm.\n\nChannel 0: the one good thing about these is that all of these investments do also pay, except for gold, they do pay dividends. So we've got dividends with the fixed interest and the the comp the bonds. We're also getting coupon payments with interest payments being paid out, and these\n\nChannel 1: Mhmm.\n\nChannel 0: are\n\nChannel 1: Yes.\n\nChannel 0: going into your cash account. So your funds are still paying income to you. That gets paid to your cash account, and that's it then gets reinvested back into your portfolio. And\n\nChannel 1: Yes.\n\nChannel 0: that does help with the compounding effect. So it's not to say it definitely won't grow. If there was any chance I saw it starting to go backwards, I would absolutely say pull it out. It is not worth doing so.\n\nChannel 1: Yep. Yep.\n\nChannel 0: But having a look at this at the moment with the way the markets are reacting, the the kind of growth we can expect and see, there's a chance that you could go over the next five years have either a 167,000, or if the market\n\nChannel 1: Mhmm.\n\nChannel 0: still performed, if you are able to get a 12.97% return even with no contributions, you could end up in ten years with about 250,000 in there. So it's definitely\n\nChannel 1: Yep.\n\nChannel 0: not as much growth as what Peter Soufri is seeing, but it does see that growth. The money is still invested. And you can\n\nChannel 1: Yep.\n\nChannel 0: still pull it down if you do need, you know, additional funds here and there for bills or for, you know, something big or a holiday or something because you're not working and you're over 60. You have\n\nChannel 1: Yes.\n\nChannel 0: full access to this money.\n\nChannel 1: Mhmm.\n\nChannel 0: But in saying that, if if you just wanna pay off the mortgage, you're welcome to ring me and go, Dana, I'm done. Take my money out. I just wanna put on the mortgage and reduce the amount we have. We would just pull it out. It can be done as a transaction without advice nice and quickly.\n\nIt can go\n\nChannel 1: Yes.\n\nChannel 0: on the mortgage. And you're still young enough that if you change your mind, we can always put some back into super. So\n\nChannel 1: Yes.\n\nChannel 0: or\n\nChannel 1: Yes.\n\nChannel 0: invest it in other ways. So you do definitely\n\nChannel 1: Yes.\n\nChannel 0: have other options there to have a look at. Yeah.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. Well, good. But that's essentially, like, the changes made to yours and where we can see it going. I\n\nChannel 1: Mhmm.\n\nChannel 0: do wanna make sure we do catch up to see how it is tracking, and I will make sure do you guys prefer maybe a catch up once every three or six months? Do you how often would you like to sort of see a catch up moving forward?\n\nChannel 1: We're pretty confident in you, Dana. We're we're happy to go with this what you do for us now. You\n\nChannel 0: Yeah.\n\nChannel 1: you're watching you're watching it all the time. Like, as you said,\n\nChannel 0: I\n\nChannel 1: if anything\n\nChannel 0: am.\n\nChannel 1: dramatic gonna\n\nChannel 0: Yeah.\n\nChannel 1: happen, you'll let me know to get it out. I'm happy with that.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah. So\n\nChannel 0: It's\n\nChannel 1: it's\n\nChannel 0: okay.\n\nChannel 1: all good. Yeah.\n\nChannel 0: All good. And if if you wanna send me through a statement, I can even send you another email after the call so you've got my email there. But if you wanna\n\nChannel 1: Yeah.\n\nChannel 0: send me through another statement just with the updated things, I can have a\n\nChannel 1: Yes.\n\nChannel 0: look and give you a comparison email to show, you know, what paying this down could do and how it could how much interest you could expect to kinda save on putting this money towards your mortgage just to give you a comparison\n\nChannel 1: Yes.\n\nChannel 0: so you can kind kinda have a think about what you'd like to do. Yeah.\n\nChannel 1: Yep. Alright then.\n\nChannel 0: Yeah. Oh, good. So back up on page number 30 there, you'll just\n\nChannel 1: Yep.\n\nChannel 0: see\n\nChannel 1: I\n\nChannel 0: a\n\nChannel 1: got\n\nChannel 0: lot\n\nChannel 1: it.\n\nChannel 0: there are a lot of the same investments. So we're just gonna sell off some of your gold. You've got about 20% gold in there at the moment. It's a beautiful increase in your in your portfolio. So selling off some of that and just retaining 10,000 in there, gold is a really great growth investment, but the downside to gold is it doesn't pay any income.\n\nSo you wanna make sure you're getting some income investments.\n\nChannel 1: Oh,\n\nChannel 0: And\n\nChannel 1: okay.\n\nChannel 0: the benefit\n\nChannel 1: So does that mean so gold\n\nChannel 0: yeah.\n\nChannel 1: makes it so when you have it in gold,\n\nChannel 0: Yeah.\n\nChannel 1: how does it work for you if it's not coming back to you? I don't understand. I'm a bit dumb. Sorry.\n\nChannel 0: No. You you\n\nChannel 1: When\n\nChannel 0: have\n\nChannel 1: you say\n\nChannel 0: asked\n\nChannel 1: income.\n\nChannel 0: a really good question. Yeah. It's a really great question. So gold essentially goes on the price of gold, and we look at growth. So say if you bought a a couple of shares in gold or, you know, a bit of gold and you paid $20 per share in the gold price,\n\nChannel 1: Mhmm.\n\nChannel 0: and the next day, it went up to $50 per share. That essentially\n\nChannel 1: Yes.\n\nChannel 0: the difference, that $30 difference is your growth, and that's what gold does. It just grows and alters in value.\n\nChannel 1: Yep.\n\nChannel 0: So the difference between your buy price and the price that is\n\nChannel 1: Yep.\n\nChannel 0: the\n\nChannel 1: You\n\nChannel 0: next\n\nChannel 1: would\n\nChannel 0: day\n\nChannel 1: sell it\n\nChannel 0: or\n\nChannel 1: for.\n\nChannel 0: the next\n\nChannel 1: Yep.\n\nChannel 0: month is what you could sell it for. Correct. And that's essentially the growth, and that's all gold does. It\n\nChannel 1: Yep.\n\nChannel 0: only has\n\nChannel 1: Okay.\n\nChannel 0: growth in it.\n\nChannel 1: And how does\n\nChannel 0: Whereas\n\nChannel 1: that compare to something else?\n\nChannel 0: absolutely. So your S and P 500 and, say, your Vanguard fixed interest,\n\nChannel 1: Mhmm.\n\nChannel 0: those investments pay income, which is like dividends. So\n\nChannel 1: Okay.\n\nChannel 0: as an example, if you held BHP or CBA shares,\n\nChannel 1: Yep.\n\nChannel 0: those companies earn income every year. And\n\nChannel 1: Okay.\n\nChannel 0: at the\n\nChannel 1: I'm with\n\nChannel 0: at\n\nChannel 1: you.\n\nChannel 0: tax, yeah, at tax time, those companies all decide how much income to distribute between their investors. Their investors are you guys because you own those companies through super.\n\nChannel 1: Okay. But that just comes back to super.\n\nChannel 0: It's\n\nChannel 1: In goes\n\nChannel 0: yeah.\n\nChannel 1: into\n\nChannel 0: It gets\n\nChannel 1: your cash.\n\nChannel 0: paid it goes into your cash. That's right. And then\n\nChannel 1: Right.\n\nChannel 0: it gets\n\nChannel 1: Okay.\n\nChannel 0: reinvested back into your portfolio.\n\nChannel 1: I'm with you.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. Yep. Okay.\n\nChannel 0: Does that\n\nChannel 1: So\n\nChannel 0: make sense?\n\nChannel 1: so it so it also still is how much you bought it for and how much you could sell it for, but it also\n\nChannel 0: Correct.\n\nChannel 1: is depositing cash into your cash amount.\n\nChannel 0: Yeah. Correct.\n\nChannel 1: Yeah. Right.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Right. Okay.\n\nChannel 0: Yep. So\n\nChannel 1: Because I\n\nChannel 0: you're getting benefits on two fronts. You want growth and income. Yeah.\n\nChannel 1: okay. Yeah. I'm with you. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I've been watching\n\nChannel 0: Definitely.\n\nChannel 1: Gold because I have this one little pizzly nugget.\n\nChannel 0: Yeah.\n\nChannel 1: It's actually a tail, a t a e l,\n\nChannel 0: Nine.\n\nChannel 1: and it's 37.5 grams. And someone paid it to gave it to me in exchange for me selling something. I'm I think probably only five years ago, and and\n\nChannel 0: Yeah.\n\nChannel 1: I I sold a donger for for $2. And he said, you know, would you like the you'd like cash or would you like this piece of gold? And I said, oh, I think I might be interested in gold. So, yeah, that that's worth $8.08 and a half thousand now.\n\nChannel 0: Wow. That's fantastic.\n\nChannel 1: No. But I wish I had more. More would be better than one little tiny 37.5 grams of gold.\n\nChannel 0: Yeah. I mean, hold on to that because gold's gone up by, what, 30 or 40% over the\n\nChannel 1: Yeah.\n\nChannel 0: past couple of years.\n\nChannel 1: Yeah.\n\nChannel 0: If it\n\nChannel 1: It\n\nChannel 0: continues,\n\nChannel 1: has. Yeah.\n\nChannel 0: wow.\n\nChannel 1: I've been looking at it. I've been looking at it. When I when I when I when I said yes to it, I did look it up to see if if he was it was my nephew, so I sort of believed him. I didn't do it there on the\n\nChannel 0: Yeah.\n\nChannel 1: spot. But\n\nChannel 0: Yeah.\n\nChannel 1: when but when we exchanged it, I did get on and have a look and thought, oh, no. He is right. It is worth that. Yeah. That's good.\n\nChannel 0: Yeah.\n\nChannel 1: But, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: that's been going on. And my daughter, they decided to buy silver, and now they wish they had bought more too. They only bought it last\n\nChannel 0: Yeah.\n\nChannel 1: year, and it's\n\nChannel 0: Wow.\n\nChannel 1: already doubled.\n\nChannel 0: Yeah.\n\nChannel 1: Two\n\nChannel 0: Wow.\n\nChannel 1: big two ingots, you know, two very large ingots of silver. But\n\nChannel 0: Yep.\n\nChannel 1: I said, oh, you you can only we're not rich, so you just do what you know you can afford to lose type of thing. Like,\n\nChannel 0: Abs\n\nChannel 1: you can\n\nChannel 0: absolutely.\n\nChannel 1: you you're not you're not\n\nChannel 0: Yeah.\n\nChannel 1: she's not gonna lose, but, you know, she said, oh,\n\nChannel 0: Yep.\n\nChannel 1: geez. I wish we'd have bought more. And I said, yeah. But you didn't you didn't know it was gonna double\n\nChannel 0: Yeah.\n\nChannel 1: and\n\nChannel 0: Yeah.\n\nChannel 1: go up twice a month. You know?\n\nChannel 0: Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. No.\n\nChannel 1: It's\n\nChannel 0: That's\n\nChannel 1: always\n\nChannel 0: exactly\n\nChannel 1: nice to\n\nChannel 0: whenever\n\nChannel 1: say\n\nChannel 0: yeah. Sorry.\n\nChannel 1: it's always nice to say, oh, I should've done it. I should've done it. But had it dropped, they\n\nChannel 0: Yep.\n\nChannel 1: would've been glad they hadn't.\n\nChannel 0: Oh, absolutely. Absolutely. No. That's fantastic. I mean, my kids have started investing in there.\n\nI mean, I've had a little investments outside of Super for my kids for the past couple of years, but they've started putting their own money in there. And they've got a bit of gold, a bit of, you know, the S and P 500, a bit of little bits of everything here, and they're building that up. And it's really cool to kinda see things grow and build and, you know, it's\n\nChannel 1: Yeah.\n\nChannel 0: really fun. It's it's not\n\nChannel 1: Well,\n\nChannel 0: great\n\nChannel 1: Maddie\n\nChannel 0: when\n\nChannel 1: did\n\nChannel 0: it all goes\n\nChannel 1: well, Maddie\n\nChannel 0: red.\n\nChannel 1: did\n\nChannel 0: But\n\nChannel 1: something herself when it comes to shares as well, but it was just something really little. And she\n\nChannel 0: Yeah.\n\nChannel 1: reckons that that's growing too, but she does put a little bit of money into that too. But\n\nChannel 0: Yeah.\n\nChannel 1: I think she's sort of holding back to try and she doesn't know when she can swap to use to do anything. I don't I don't know how much money she's got in super, but Keegan has\n\nChannel 0: Yeah.\n\nChannel 1: got 40, I think, but she would probably be equivalent to him. But she's about ready to go on maternity leave, So I don't know how long that's gonna last. You know? She's gonna probably\n\nChannel 0: Yeah.\n\nChannel 1: have twelve months maternity, and then I don't know\n\nChannel 0: Yeah.\n\nChannel 1: if\n\nChannel 0: Yeah.\n\nChannel 1: she's gonna go back or not\n\nChannel 0: Yeah.\n\nChannel 1: to earn\n\nChannel 0: Let it\n\nChannel 1: more\n\nChannel 0: let\n\nChannel 1: super.\n\nChannel 0: it have that first and then see what happens. And yeah. Look.\n\nChannel 1: Yeah.\n\nChannel 0: If any of them wanna have a chat to me, more than happy for them to reach out or for us to reach out to them even if it's, you know, not advice needed. They just want some information or, you know,\n\nChannel 1: Yes.\n\nChannel 0: ask to do a bit of work and give them some free advice. I'm absolutely happy to do that. I just I love working with people, and I wanna make everyone's world better. So everyone's\n\nChannel 1: I would\n\nChannel 0: worked\n\nChannel 1: I\n\nChannel 0: so\n\nChannel 1: just\n\nChannel 0: hard.\n\nChannel 1: wish my I just wish my sister would take you up on on I recorded our conversation with you that I had with you so I could play it to her and she said, oh, yeah. It sounds like something we really need to do, but they haven't done anything. They've done\n\nChannel 0: Yeah.\n\nChannel 1: nothing.\n\nChannel 0: Yeah.\n\nChannel 1: They're just living off their money in the bank, and I just and\n\nChannel 0: Yeah.\n\nChannel 1: and she did confide at me and tell me that it's 1 and a half million that they've got to be in the bank. It's probably not earning them anything, Dana.\n\nChannel 0: Yeah.\n\nChannel 1: Probably not earning\n\nChannel 0: Yeah.\n\nChannel 1: them anything at all. You know?\n\nChannel 0: Yeah.\n\nChannel 1: I don't\n\nChannel 0: It\n\nChannel 1: know.\n\nChannel 0: is a big it can be a big step for people to take to sort of think about an adviser. It's not something that everyone is comfortable or confident doing. But even if you just let\n\nChannel 1: Yeah.\n\nChannel 0: them know, look, there's no obligation to the initial consultation. They don't have\n\nChannel 1: Yes.\n\nChannel 0: to take any of the advice. Everything I give is it's just advice. And even with this like, I'm just giving you advice on how we can make the changes, but you guys get to decide whether you take it or not. There is no you know, it's all\n\nChannel 1: Yes.\n\nChannel 0: completely up to you. There's no obligation whatsoever on any of the advice I give, and I'm more than happy to alter it and\n\nChannel 1: Yeah.\n\nChannel 0: change it. You know, I'll go back after this if you send me a statement. I'll go do a little bit of after work for you and show you a comparison on the mortgage, and then you can decide what you wanna do as well. So\n\nChannel 1: Yeah.\n\nChannel 0: it's by no means in any way, shape, form forcing you guys to do anything\n\nChannel 1: Yes.\n\nChannel 0: that you're not comfortable with, and I would never want anyone to feel like they're forced to take on anything they're not comfortable with. So\n\nChannel 1: Yes.\n\nChannel 0: I tend to just let people do things in their own time, and\n\nChannel 1: Yes.\n\nChannel 0: it tends to work out really well because they everyone thinks about it. Some people procrastinate, but then when they make that leap, they feel good about making a leap. It's not as\n\nChannel 1: I just\n\nChannel 0: scary.\n\nChannel 1: I just thought the sooner that they did it, the\n\nChannel 0: So\n\nChannel 1: sooner that they could\n\nChannel 0: yeah.\n\nChannel 1: be making money to live off of instead\n\nChannel 0: Yeah.\n\nChannel 1: of dwindling\n\nChannel 0: Yeah.\n\nChannel 1: it away.\n\nChannel 0: That\n\nChannel 1: You know?\n\nChannel 0: is true.\n\nChannel 1: I just\n\nChannel 0: That is true.\n\nChannel 1: you know, like, as they spend it, like, at with that\n\nChannel 0: Yeah.\n\nChannel 1: amount of money, they can't get anything from the government. Nothing. So\n\nChannel 0: Yeah.\n\nChannel 1: they\n\nChannel 0: No.\n\nChannel 1: must\n\nChannel 0: I\n\nChannel 1: be living\n\nChannel 0: that's definitely\n\nChannel 1: they must be\n\nChannel 0: a\n\nChannel 1: living\n\nChannel 0: thing.\n\nChannel 1: out of their bank. So I just think to myself that, like, you they I think they would be really surprised at how much they don't they wouldn't even have to put all of it in. They wouldn't\n\nChannel 0: Yes.\n\nChannel 1: even\n\nChannel 0: Yeah.\n\nChannel 1: have to give you all of their money\n\nChannel 0: No.\n\nChannel 1: to manage. So you could just\n\nChannel 0: Correct.\n\nChannel 1: allocate half of it or something. But,\n\nChannel 0: Absolutely.\n\nChannel 1: you know\n\nChannel 0: Yeah.\n\nChannel 1: yeah. But, anyway, I haven't\n\nChannel 0: I'll\n\nChannel 1: really\n\nChannel 0: be okay.\n\nChannel 1: had the chance since I last spoke to you to sit down and say,\n\nChannel 0: Yeah.\n\nChannel 1: have you made any decisions? I just know\n\nChannel 0: Yeah.\n\nChannel 1: that she hasn't said, hey. Could you set up a meeting with me with Dana? So\n\nChannel 0: Yeah.\n\nChannel 1: there's been a little bit there's been a little bit on in the family. So perhaps,\n\nChannel 0: Yeah.\n\nChannel 1: you know, once she\n\nChannel 0: That\n\nChannel 1: gets\n\nChannel 0: might\n\nChannel 1: a bit\n\nChannel 0: be.\n\nChannel 1: more settled, she might approach me or I might approach her eventually again.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Absolutely.\n\nChannel 1: So that\n\nChannel 0: No.\n\nChannel 1: I\n\nChannel 0: There's definitely things and that kind of money, there's definitely things we can do to try and get even a part pension out of the government to kind of alleviate some of the financial pressures and stress and give them a little bit of, you know, help. So\n\nChannel 1: yeah.\n\nChannel 0: but\n\nChannel 1: Yep.\n\nChannel 0: also having money just invested in different ways. It doesn't even have to be risky. You know? It can be as you guys get closer\n\nChannel 1: Very\n\nChannel 0: and\n\nChannel 1: secure.\n\nChannel 0: closer, I mean\n\nChannel 1: Yeah.\n\nChannel 0: yeah. Yeah. We can look at very defensive investments. We can look at things that are a lot more low risk because you guys have still sort of mentioned that you're not accessing super for ten years. With Peter still comfortable in that high growth environment, that's absolutely fine.\n\nWith you in that growth environment, that's still fine and okay. As you get closer to that ten year time horizon, I would definitely be telling you to pull things back a little bit, and we'll be having that conversation more and more as as the years go on. So,\n\nChannel 1: Yep. Yes.\n\nChannel 0: you know, we don't wanna keep you really risky forever. It's about making\n\nChannel 1: No.\n\nChannel 0: sure that you're invested in a comfort level, but also for the time horizon that you suit as well. So, yeah, there's definitely ways that we can look at that, and it's definitely different for everyone as well.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. But, no, that's essentially how those sorts of investments work. As I said, we'll sell a bit of the gold. You've got a high amount of fixed interest to the Vanguard. They will sell some of also all of that, sorry,\n\nChannel 1: Yes.\n\nChannel 0: and\n\nChannel 1: Yep.\n\nChannel 0: put the money into the core composite bonds because bonds are doing really well at the moment, and this is well diversified for you.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: We'll keep some cyber security. Just bring you down to five to 5% there, and then we'll also have some European bringing you up to 8%. The iShares, Europe one, the Miski, we're gonna sell all of that. We're gonna buy a bit more Japan sorry. Sell a bit of Japan, bring you down to 5% there.\n\nThe S\n\nChannel 1: Mhmm.\n\nChannel 0: and P 500 will bring you back down to about 30%. Make sure you've got some of the all world index as well. And then, again, we'll keep some we've got some beta shares a 200 in there as well for world diversification and access to the Australian market as well. Okay?\n\nChannel 1: Mhmm. Yes.\n\nChannel 0: Your your cash component is still quite high as well, so we're gonna make sure that we bring that down to the minimum because having a lot of money in cash really doesn't do anything for you. It actually costs you money by having it sitting in a cash account. You pay, you know, fees for that, but you don't get any kind of return for it. So\n\nChannel 1: Yes. And\n\nChannel 0: you\n\nChannel 1: that\n\nChannel 0: do\n\nChannel 1: all\n\nChannel 0: have\n\nChannel 1: that\n\nChannel 0: quite\n\nChannel 1: all came\n\nChannel 0: a lot\n\nChannel 1: that\n\nChannel 0: there.\n\nChannel 1: all came from dividends. Is that right?\n\nChannel 0: No. Yeah. It would have been over the course of the year, but a\n\nChannel 1: Yep.\n\nChannel 0: lot of it was also just, you know, in cash management. So the super\n\nChannel 1: Mhmm.\n\nChannel 0: funds do cash management every so often, and they'll sell an investment, try to re reweight or rebalance an investment, and the difference will go back into cash. So\n\nChannel 1: Okay. Okay.\n\nChannel 0: some of that would have been dividends paid. Some of it would have been other things like, you know, cash is being left out by the the fund doing cash management re and rebalances and things like that.\n\nChannel 1: Mhmm.\n\nChannel 0: Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: All good.\n\nChannel 1: All good.\n\nChannel 0: Yeah. So this is essentially the major changes there. I'll show you why I've made these changes. If you go down to page 36 for me,\n\nChannel 1: Mhmm.\n\nChannel 0: and this is something that's not really important in any of the other plans. It's something I like to do. It's kind of modeling out to show you, you know, where we're kinda tracking. And if these investments perform the way we want them to the way they have over the past, we can kinda see that as you get to those retirement years, what kinda income you could be able to draw down. I've had a bit of a look, and based on the assets that we have noted, you will be eligible for a bit of central income.\n\nChannel 1: Mhmm.\n\nChannel 0: So this shows if we are to get some age pension all the way through and when we\n\nChannel 1: Yep.\n\nChannel 0: kind of originally spoke, we were looking for a regular weekly income of a thousand dollars per week from both of your spaces combined\n\nChannel 1: Yep.\n\nChannel 0: and how long that was gonna last. So this shows if we make these changes and if the markets work the way they have, and we'll keep tracking and looking at everything, You\n\nChannel 1: Mhmm.\n\nChannel 0: could be eligible for some age pension there, and then we can also draw some income out of both of your supers to supplement. And we can see here that your supers are expected to last until about age 91.\n\nChannel 1: No.\n\nChannel 0: And\n\nChannel 1: Okay.\n\nChannel 0: we're working on a projected income of 52,000 per year. This is estimating that you could exceed that and draw 80,205 between your super account balances and Centrelink and have\n\nChannel 1: Mhmm.\n\nChannel 0: that last until about age 91. So we could, if we drop down and draw less than 80,000, have that last a little bit longer there. But it shows\n\nChannel 1: Yes.\n\nChannel 0: you that if things work the way they're projected to currently, that this is where we can sort of see\n\nChannel 1: Yeah.\n\nChannel 0: things projected for retirement there. Okay?\n\nChannel 1: Mhmm. Yeah. I don't expect\n\nChannel 0: And then\n\nChannel 1: either of us to let last that long.\n\nChannel 0: I hope you do.\n\nChannel 1: No. I'm aiming for I reckon I'm aiming for early eighties. I reckon I'm too\n\nChannel 0: Oh,\n\nChannel 1: much like my mother.\n\nChannel 0: no. I want you to stay alive as long as I'm working. Once I hit retirement, it'll be fine. But\n\nChannel 1: No. But but but 90 the 90 sound is very encouraging. So, yeah, you're on a good\n\nChannel 0: yeah,\n\nChannel 1: good track there. Yeah.\n\nChannel 0: yeah, and the next one down shows you essentially the track without age pension. So, obviously, without having age pension factored in here, we are a little bit short of what your goal income is between your two super accounts.\n\nChannel 1: Mhmm.\n\nChannel 0: And to get longevity, we'd be drawing about 28,000, which is less than what you you guys want. So\n\nChannel 1: Yes.\n\nChannel 0: we do wanna make sure we can sort of factor in age pension there, but I like to run these sorts of retirement calculators to see where we're\n\nChannel 1: Yes.\n\nChannel 0: tracking for, what we're headed towards, to give you a bit of an idea. I know it's not something that, if you put into the plans in the past, but I'd kind of like to show you what we're on track for and how we're projecting because it gives you an idea of what retirement might look like, and you guys have worked way too hard over the years not to enjoy your retirement. So\n\nChannel 1: Yeah. The thing is is as you are speaking and saying this over and over again, I'm starting to think that it it will be it won't be ten years. I really don't think I don't think Peter will I don't think Peter will last another ten years at work.\n\nChannel 0: No. That's okay.\n\nChannel 1: But\n\nChannel 0: Yeah.\n\nChannel 1: but, yeah, you've done the figures for ten years, but I I'm\n\nChannel 0: Yeah.\n\nChannel 1: I'm thinking it was probably gonna be a bit less. Maybe maybe maybe not. He is only 58. So if he ten years of making 68. Hey.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. And that's kind of where I've I've put that retirement calculator was working on Peter's ten year time horizon,\n\nChannel 1: Yeah.\n\nChannel 0: so 60\n\nChannel 1: Yep.\n\nChannel 0: eight for that one. And,\n\nChannel 1: Yep.\n\nChannel 0: I mean, you guys are eligible for age pension at 67. So,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: you know,\n\nChannel 1: Unless it\n\nChannel 0: that\n\nChannel 1: changes\n\nChannel 0: that is\n\nChannel 1: because can that change,\n\nChannel 0: yeah.\n\nChannel 1: do you think, in the next couple of years? Do you think they can\n\nChannel 0: I think it will change, but I don't think it will affect you guys. It'll be\n\nChannel 1: Oh, okay.\n\nChannel 0: it'll be grandfathered because anyone on and you sort of see when they made those changes to the age pension, they did grandfather it. So anywhere before 1961, there was kind of that change where people who were in their fifties were eligible for accessing Centrelink due to the year they were born.\n\nChannel 1: Yes.\n\nChannel 0: But I do think the change will be coming. I don't think it'll be in the ten years because right now with where we are, with the amount of people about to retire and, like, my mom is one of those. My mom is 64 this year,\n\nChannel 1: Yep.\n\nChannel 0: and she is hanging out for age 67 to be able to give up work. She's an age 10\n\nChannel 1: Yes.\n\nChannel 0: nurse. It's very it's very strenuous.\n\nChannel 1: My\n\nChannel 0: So\n\nChannel 1: sister\n\nChannel 0: 60\n\nChannel 1: as well. Not not the\n\nChannel 0: yeah.\n\nChannel 1: one with the not the one with a lot of money, but the one that's struggling down south. She's\n\nChannel 0: Yep.\n\nChannel 1: four years older than me. So she's 65 this year, but she has terrible\n\nChannel 0: Yep.\n\nChannel 1: back problems. Well, she's been in the funeral industry. So\n\nChannel 0: Oh, that's\n\nChannel 1: well,\n\nChannel 0: a lot.\n\nChannel 1: she so\n\nChannel 0: Yeah.\n\nChannel 1: she's chopped and changed from being a person who picks up the deceased, which is very hard on the body, to now so then she changed to just doing services. But she said,\n\nChannel 0: Yeah.\n\nChannel 1: surprisingly, that's hard on the body as well. You know,\n\nChannel 0: Yeah.\n\nChannel 1: getting the bodies to and from, you know, crematoriums and and cemeteries and that. But now she's moved to a call center where she's organizing funerals. So she said, I'm hoping I'm hoping I can seek it for another two years, you know, at work.\n\nChannel 0: Yes.\n\nChannel 1: So she has managed to move with the times, but, you know, when she was doing transfers where she'd wake up in the middle of the night and have to go and pick up a body,\n\nChannel 0: Yes.\n\nChannel 1: And she said,\n\nChannel 0: Yes.\n\nChannel 1: yes. Yes. You've got two people working, but she said, my back's just killing me. Yeah. And she's she's always had terrible back problems.\n\nSo she's been lucky though that she's now\n\nChannel 0: Yeah.\n\nChannel 1: transitioned to just sitting at a desk, taking phone calls, but\n\nChannel 0: Yeah.\n\nChannel 1: she's still got a time made the last two years. It's a long time, isn't it, before you can access a pension? You know? And her\n\nChannel 0: It\n\nChannel 1: husband's\n\nChannel 0: is.\n\nChannel 1: her husband's 13\n\nChannel 0: Yeah.\n\nChannel 1: years older than her, so he's\n\nChannel 0: Yeah.\n\nChannel 1: been on a pension. And then and and yeah, she's she's battling. So I can\n\nChannel 0: Yeah.\n\nChannel 1: imagine if your mom's in aged care. My god. Yeah.\n\nChannel 0: Yeah. It it's very,\n\nChannel 1: Hard work.\n\nChannel 0: very difficult. It is. It is. And we're just, you know, biding time. I'm keeping her going for a bit longer.\n\nAnd she knows as soon as she's because you can apply for age pension when you're thirteen weeks away from age 67 currently. So once she hits that thirteen week period, we are hitting that ground running and we're doing it.\n\nChannel 1: Yep.\n\nChannel 0: And the same thing for\n\nChannel 1: Yeah.\n\nChannel 0: you guys because I know you're over 60, so you'll reach 67 before Peter will.\n\nChannel 1: Yep.\n\nChannel 0: So when you get to that point, you and I can have that conversation. I can do some math and run some numbers and see what we do and, you know, how we maybe maneuver some money to make it worthwhile so you guys are eligible and keep as much age pension as possible because, you know, you've worked really hard. You deserve these sorts of things\n\nChannel 1: Yep.\n\nChannel 0: and a\n\nChannel 1: How\n\nChannel 0: little\n\nChannel 1: does\n\nChannel 0: bit\n\nChannel 1: it\n\nChannel 0: of that\n\nChannel 1: get\n\nChannel 0: age\n\nChannel 1: on, though? I thought I would not be eligible while Peter\n\nChannel 0: no. It depends\n\nChannel 1: was still\n\nChannel 0: on what\n\nChannel 1: working.\n\nChannel 0: he is\n\nChannel 1: Not\n\nChannel 0: earning.\n\nChannel 1: at all. Yeah.\n\nChannel 0: So if he's earning on the kind of income he is at the moment, there's a very real opportunity you may not be eligible because they\n\nChannel 1: Yep.\n\nChannel 0: work. You get the assets test and the income test,\n\nChannel 1: Mhmm.\n\nChannel 0: and the one that gives you the lower rate of pay is the one they go with.\n\nChannel 1: Okay.\n\nChannel 0: But we\n\nChannel 1: Of\n\nChannel 0: can\n\nChannel 1: course.\n\nChannel 0: but we can also look at, you know, maneuvering some things. I can find ways to I have legitimate legal ways to hide money or\n\nChannel 1: Yep.\n\nChannel 0: to we call it sheltering of funds\n\nChannel 1: Yeah. Yep.\n\nChannel 0: so that it's either not assessable or the accessibility by Centrelink is lowered because of the\n\nChannel 1: Mhmm.\n\nChannel 0: asset it is.\n\nChannel 1: Yep.\n\nChannel 0: And I can work out both the income and assets test and do the\n\nChannel 1: Yep.\n\nChannel 0: math calculation to work out how it work and what it looks like for you guys. So\n\nChannel 1: Yep. The trick\n\nChannel 0: there's\n\nChannel 1: the\n\nChannel 0: definitely\n\nChannel 1: trick will\n\nChannel 0: some\n\nChannel 1: be this\n\nChannel 0: things.\n\nChannel 1: not to have any assets other than your house, say, by the time you retire. Really?\n\nChannel 0: Not\n\nChannel 1: Essentially?\n\nChannel 0: necessarily not necessarily. I've got some really cool other things that we can look at to shelter money so that you\n\nChannel 1: Okay.\n\nChannel 0: have access to money when you need it, but the the the Centrelink isn't assessing it the same way as they would your super.\n\nChannel 1: Okay. Cool. Righto. Good\n\nChannel 0: Yeah. It is pretty cool.\n\nChannel 1: to\n\nChannel 0: It is pretty cool. I\n\nChannel 1: know.\n\nChannel 0: I love it. It's funny\n\nChannel 1: Yeah.\n\nChannel 0: because one of my best friends works for Centrelink, so her job is to give you the least amount of money, and my job's to get you the\n\nChannel 1: Give\n\nChannel 0: most.\n\nChannel 1: the most. Because that is another thing that I found of Veronica, my sister, the one\n\nChannel 0: Yeah.\n\nChannel 1: who just sold her business and everything.\n\nChannel 0: Yeah.\n\nChannel 1: I always thought that she had no super. She said, no. No. We do have super. It's not much, but we do have a super fund.\n\nI said, oh, okay. Well, that's that is good to know because,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, it might give you something\n\nChannel 0: Absolutely.\n\nChannel 1: more to work with if ever I can convince her to talk to\n\nChannel 0: Yeah.\n\nChannel 1: you.\n\nChannel 0: Abs absolutely. As I said, just make mention, there's no obligation, but as much as it's always better to try and do things as early as possible, it's also gotta be within someone's comfort level. So when they're ready, I will be there at any time they are not. Okay?\n\nChannel 1: Yeah. Okay then.\n\nChannel 0: Yeah.\n\nChannel 1: Yes.\n\nChannel 0: All good. That's\n\nChannel 1: Alright.\n\nChannel 0: essentially what I needed to go through with you guys. I do have a little section at the bottom there just recommending that you still review your existing will. Retaining the insurances that you have at the moment, your your Peter's life and CBD and your life cover with real, just because you're still comfortable with the level of cover, but we'll keep reviewing those down the track as well.\n\nChannel 1: We had just had a small chat recently about life insurance. We were starting to wonder whether we should stop it. What's your views on that?\n\nChannel 0: Yeah. The biggest thing I sort of think of is life insurance is important in my view when you have a mortgage\n\nChannel 1: Yep.\n\nChannel 0: and\n\nChannel 1: Still\n\nChannel 0: or\n\nChannel 1: got\n\nChannel 0: some\n\nChannel 1: that.\n\nChannel 0: sort of debt that needs to be paid out. The other thing\n\nChannel 1: Yep.\n\nChannel 0: the other reason I kind of kept your super where it was was one of the other goals down the track was that you were wanting to maybe sell the property. So is that still something you're looking to do medium term, maybe sell the house and buy something\n\nChannel 1: Later\n\nChannel 0: smaller\n\nChannel 1: on.\n\nChannel 0: or\n\nChannel 1: It\n\nChannel 0: yeah.\n\nChannel 1: would have to yeah. I don't ever wanna leave here because we're the area that I live is just beautiful, and we have a lot of\n\nChannel 0: Yeah.\n\nChannel 1: we don't have close neighbors because of two and a half acres. But it's a six bedroom, three bathroom house, and I can't look after it\n\nChannel 0: Yeah.\n\nChannel 1: now. So by the time\n\nChannel 0: It's\n\nChannel 1: because\n\nChannel 0: a lot.\n\nChannel 1: I've just moved Veronica and George and they are in their seventies, Veronica's ten years older than me, I said to her, god. I don't wanna be doing this in ten years. But it's a terrible thought that you have to leave the house that you really love just because it's big. You\n\nChannel 0: Yeah.\n\nChannel 1: know? Yep. So I don't\n\nChannel 0: Yeah.\n\nChannel 1: know whether we just close off rooms and don't venture into it.\n\nChannel 0: Yeah.\n\nChannel 1: And and Karl, that's what we gotta do. Karl Karl Karl Karl. Because when you see people when I was packing for Veronica, I just, you know, I just thought, oh, I don't wanna be doing this. Like, packing drawers and drawers of shit.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Because\n\nChannel 0: The the\n\nChannel 1: you\n\nChannel 0: things\n\nChannel 1: really\n\nChannel 0: do\n\nChannel 1: don't\n\nChannel 0: accumulate.\n\nChannel 1: you really you really don't need it, And I was just thinking,\n\nChannel 0: Yeah.\n\nChannel 1: oh, I I just need to start calling now so that all my cupboards in the house and, you know, the the things you have your TV standing on and all the drawers and cupboards and everything have nothing\n\nChannel 0: Yep. Yep.\n\nChannel 1: in it\n\nChannel 0: Yep.\n\nChannel 1: instead of all the shit that you accumulate and you don't ever look at and you don't\n\nChannel 0: Yeah.\n\nChannel 1: want or need or anything like that. But\n\nChannel 0: Yeah.\n\nChannel 1: I guess the reason why we were able to refinance was is because they did ask us the question. Well, my finance broker who I went through to get a loan, he\n\nChannel 0: Yeah.\n\nChannel 1: he said I've put it to them that Peter's gonna work another ten years. And, you know, when you're refinancing a loan at the age of 60 for\n\nChannel 0: Mhmm.\n\nChannel 1: a thirty year loan, they have\n\nChannel 0: Yep.\n\nChannel 1: to know you're not gonna work. So the\n\nChannel 0: Yes.\n\nChannel 1: so so Troy sort of said, you know, it's it's what I'm putting towards them is that when you retire, you will sell, and you will\n\nChannel 0: Yes.\n\nChannel 1: pay off the loan, and you'll purchase something smaller. And I said, and that is probably what exactly what's gonna happen, Troy. That is\n\nChannel 0: Yeah.\n\nChannel 1: probably right. You know? So that that is what the future looks like that if we don't get the house paid off before we retire, then that, of course, is exactly what we would have to do.\n\nChannel 0: Yeah. Definitely. Yep. Well,\n\nChannel 1: Yeah.\n\nChannel 0: when you get to that point, yeah, if you still have the money and see, but we'll look at what we can do. I mean, another\n\nChannel 1: Yeah.\n\nChannel 0: way of sheltering that money from Centrelink is to be able to put it on the home because the home is a 100% exempt. So paying down the mortgage and putting the money on the home does sort of benefit you guys.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: But, yeah, you are right. When you get to those to ages with the mortgages and the lending side of things, they are looking for an exit strategy. They're looking at, you know,\n\nChannel 1: They\n\nChannel 0: if\n\nChannel 1: are.\n\nChannel 0: something\n\nChannel 1: Yep.\n\nChannel 0: happened, how are you gonna pay that back if you're not gonna\n\nChannel 1: Yep.\n\nChannel 0: work until you're 90?\n\nChannel 1: And and that\n\nChannel 0: So\n\nChannel 1: must that must\n\nChannel 0: yeah.\n\nChannel 1: have all been put to them because Troy came back and said, oh, look. I just told them that you have no intentions of being in this six bedroom, three bathroom house in ten years' time. And but you know the sad thing, Dana, is that our\n\nChannel 0: Yes.\n\nChannel 1: our insurance is 500 a month. That's the because\n\nChannel 0: Wow.\n\nChannel 1: of how much our house is insured for. But I said to\n\nChannel 0: Wow.\n\nChannel 1: I said to Peter, I wanna have a chat to our insurance broker because\n\nChannel 0: Yeah.\n\nChannel 1: brokers have brokers everywhere. And we were I was chatting to him, and I said, look, How how does insurance work? I always thought that you couldn't under insure. And he said, no. You're not supposed to under insure.\n\nI said, because it's like this. If this house was to burn down, god forbid, we\n\nChannel 0: Mhmm.\n\nChannel 1: don't have all children at home anymore, so we wouldn't need to build a house as big. And he said, no. That's exactly right. You could build a house for a lot less. You know?\n\nSo he\n\nChannel 0: Yes.\n\nChannel 1: he took it to the insurance company, and we've just heard back that they won't do it because it would be underinsuring. So now we're now we're battling with them to say, hold on a minute. We've got it insured for 1,700,000, but that's what we would sell it for. The land itself\n\nChannel 0: Yeah.\n\nChannel 1: would have to be worth something. Like, you\n\nChannel 0: Yeah.\n\nChannel 1: know, like, we wanna lessen the amount that we had it insured for. So, surely, we if we were to sell it oh, I don't think we'd get 1.7 to even sell, to be honest. I think we'd only\n\nChannel 0: Yes.\n\nChannel 1: get one one point three maybe. So you take the\n\nChannel 0: Yep.\n\nChannel 1: land off that. I reckon we should be able to insure it for a million, but at the moment, they don't wanna do it.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Wow.\n\nChannel 1: so we're in a bit of a catch at the moment. Yeah. Don't know what to do about\n\nChannel 0: Yeah.\n\nChannel 1: it.\n\nChannel 0: Wow. That's crazy, isn't it?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. Wow. Yeah. I know my house insurance has skyrocketed again with the 2022 floods in Northern New South Wales. And then\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: and then the cycling thing last year, I think my flood levy went up to just over $1,000. I paid $3 just to insure my house this year. Shocking. I nearly\n\nChannel 1: Yeah.\n\nChannel 0: cried.\n\nChannel 1: It's well, we've got no chance of flood where we live because we're high up on a little bit of a, you know, hill type thing, but our insurance is 5,000 a year.\n\nChannel 0: Yeah. Wow.\n\nChannel 1: Yeah. So we have to\n\nChannel 0: It's\n\nChannel 1: pay it\n\nChannel 0: a\n\nChannel 1: monthly\n\nChannel 0: lot.\n\nChannel 1: monthly now because I I just can't find that money. You know?\n\nChannel 0: Yeah.\n\nChannel 1: But I well, I started thinking about it and just put it to our broker, our insurance broker, and I said, look. To rebuild, we don't have to have a 500 square meter under roof house. We don't have to.\n\nChannel 0: Yes.\n\nChannel 1: We we can\n\nChannel 0: Yes.\n\nChannel 1: build whatever we like. And he said, no. That's exactly right. But, yeah, they we just got an email the other day saying that insurance company was saying, no. No.\n\nWe don't like that. We don't like that\n\nChannel 0: Yeah.\n\nChannel 1: you're underinsuring. But, yeah, that was to rebuild a house while we had kids all living here with partners and and other ring ins. You know? Like, we would need to would have needed to rebuild this size house, but we've just had Maddie and her partner move out. And, you know, our other son's moved out, and another one's thinking of buying.\n\nAnd so, you know, I said we wouldn't we wouldn't have to rebuild this size house, so why do we have to insure it? But\n\nChannel 0: Yeah.\n\nChannel 1: apparently apparently, they're wanting us to do that.\n\nChannel 0: Wow. Wow.\n\nChannel 1: Yeah. So he's gonna take it back to them and say to resell it, they wouldn't get 1,700,000\n\nChannel 0: Yep.\n\nChannel 1: and\n\nChannel 0: Yeah.\n\nChannel 1: see what\n\nChannel 0: Makes\n\nChannel 1: they say\n\nChannel 0: sense.\n\nChannel 1: then.\n\nChannel 0: Yeah. Definitely. Find it and see what they come out with. You just never know. You might win.\n\nYou might be\n\nChannel 1: Yeah.\n\nChannel 0: a\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: just\n\nChannel 0: might be\n\nChannel 1: don't\n\nChannel 0: able\n\nChannel 1: know.\n\nChannel 0: to\n\nChannel 1: I haven't put the I haven't put the option to him to say, look, if you started again with another company,\n\nChannel 0: convince them.\n\nChannel 1: a different a different insurer, couldn't you start fresh and say, this is what my house and this is what I wanna insure it for, and this is what I want the contents for, or do they have to know the be all and end all of what you had insured for the last people? I don't know how it works.\n\nChannel 0: Yeah. I mean, when I've changed insurance, I've never had to give them any of the\n\nChannel 1: Yeah.\n\nChannel 0: documents. I've\n\nChannel 1: No.\n\nChannel 0: just\n\nChannel 1: You\n\nChannel 0: had\n\nChannel 1: haven't\n\nChannel 0: to tell\n\nChannel 1: had\n\nChannel 0: them\n\nChannel 1: to disclose.\n\nChannel 0: I had it.\n\nChannel 1: Yeah.\n\nChannel 0: No.\n\nChannel 1: Yeah.\n\nChannel 0: So yes. Interesting. Be worth be worth looking at.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Wow.\n\nChannel 1: They couldn't\n\nChannel 0: Wow.\n\nChannel 1: go by what they couldn't go by what we bought it for because, you know, back in the day when we bought it, we thought we were kings and queens. I said, oh, we're really, you know, gonna be going over our budget here, but we love the house so much. And and now you can't buy a house in flood stricken area in Rockhampton for what we bought it for.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: The what\n\nChannel 0: Wow.\n\nChannel 1: what we bought this for is just an a a 50 year old house now. You know,\n\nChannel 0: Yeah.\n\nChannel 1: like, skyrocketed so\n\nChannel 0: K.\n\nChannel 1: much, and there's nothing\n\nChannel 0: Yeah.\n\nChannel 1: available. So even the the dregs of the of the city are up around the $600,000 mark. Terrible.\n\nChannel 0: Yeah. Wow. Wow. Well, yeah, hopefully, they get that passed down for you a little bit. Then I'll look at I will I'm sorry.\n\nI'll send you an email after the call if you like. If you wanna send me a statement, I can have a look at the difference in the mortgage for you.\n\nChannel 1: Okay.\n\nChannel 0: I I also did just pull up a report for you real quick as well. So your portfolio over the last twelve months has returned at 8.65%.\n\nChannel 1: Yep.\n\nChannel 0: That's a return for growth and income of over 9,002 September, so an eight\n\nChannel 1: Mhmm.\n\nChannel 0: percent return. So\n\nChannel 1: Yeah.\n\nChannel 0: even without contributions, there is a possibility you can still get great returns and compounding out of your super.\n\nChannel 1: Yeah. The compounding\n\nChannel 0: So it can\n\nChannel 1: name.\n\nChannel 0: be done. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: So it can definitely be done, but it's also gotta be something that you're comfortable with. So\n\nChannel 1: Yep.\n\nChannel 0: feel free to have it read to the document. Let me\n\nChannel 1: Hi,\n\nChannel 0: know if\n\nChannel 1: Caleb.\n\nChannel 0: you have any additional questions. If you're happy to take it on board and wanna suddenly go through the switch and take the advice, I'll get you to sign and return it back. In the meantime, if you send me a statement, and I'll send you an email after the call as well, And I can go back and just do some additional research there for you,\n\nChannel 1: Mhmm.\n\nChannel 0: and\n\nChannel 1: Yep.\n\nChannel 0: I can send you a a comparison on what it might look like if you paid this money off the mortgage and what kind of interest you might save just so you can see the difference there. Okay?\n\nChannel 1: Okay then. Yeah. Sounds good. I think\n\nChannel 0: Yeah.\n\nChannel 1: Peter's\n\nChannel 0: Oh,\n\nChannel 1: already\n\nChannel 0: good.\n\nChannel 1: made me sign it. I don't know. You probably got him back already.\n\nChannel 0: I have got something back at this high\n\nChannel 1: Yeah.\n\nChannel 0: sign.\n\nChannel 1: He's already it's already signed, love.\n\nChannel 0: That's okay. Look. We'll make the changes for you anyway. And\n\nChannel 1: Okay.\n\nChannel 0: then if you\n\nChannel 1: Yep.\n\nChannel 0: ever decide you if you decide you wanna pull it out, let me know. You've got me here. You can use me to your full advantage. I can do\n\nChannel 1: Yep.\n\nChannel 0: as much research as you want, and we can talk about all the options that are viable to you as well. Okay?\n\nChannel 1: Alright then. Lovely talking to you again. Thank you so much\n\nChannel 0: Oh,\n\nChannel 1: for\n\nChannel 0: you\n\nChannel 1: looking\n\nChannel 0: too.\n\nChannel 1: after\n\nChannel 0: Anytime, Yvonne. Thank you so much. Have a really great week. I'll talk to you soon.\n\nChannel 1: it. Okay. Thanks, Dana. Bye bye.\n\nChannel 0: Thanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":2.3999999,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.038750775158405304},{"text":"This is Yvonne.","start":2.6399999,"end":3.54,"sentiment":"neutral","sentiment_score":0.042924334605534874}],"sentiment":"neutral","sentiment_score":0.04188094474375248,"channel":1,"num_words":4,"start":2.3999999,"end":3.54},{"sentences":[{"text":"Hi, Yvonne.","start":4.56,"end":5.2,"sentiment":"neutral","sentiment_score":0.1622016280889511},{"text":"This is Dana from OQ Financial.","start":5.2,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.19097213943799338},{"text":"How are you?","start":7.2,"end":8.1,"sentiment":"neutral","sentiment_score":0.20231089989344278}],"sentiment":"neutral","sentiment_score":0.18883352658965372,"channel":0,"num_words":11,"start":4.56,"end":8.1},{"sentences":[{"text":"I'm good.","start":8.24,"end":8.72,"sentiment":"positive","sentiment_score":0.45341555774211884},{"text":"And yourself?","start":8.72,"end":9.46,"sentiment":"neutral","sentiment_score":0.29871784150600433}],"sentiment":"positive","sentiment_score":0.3760666996240616,"channel":1,"num_words":4,"start":8.24,"end":9.46},{"sentences":[{"text":"I'm very well.","start":9.92,"end":10.96,"sentiment":"positive","sentiment_score":0.6196315685907999},{"text":"Thank you.","start":10.96,"end":11.7,"sentiment":"positive","sentiment_score":0.7035733759403229},{"text":"I had your staff and Peter both booked in to go through your updated advice document.","start":11.84,"end":15.915,"sentiment":"neutral","sentiment_score":0.32540578208863735},{"text":"Is now still a good time for you?","start":15.915,"end":17.855,"sentiment":"neutral","sentiment_score":0.2597420383244753}],"sentiment":"positive","sentiment_score":0.3638093199195533,"channel":0,"num_words":29,"start":9.92,"end":17.855},{"sentences":[{"text":"Yes.","start":17.835,"end":18.335,"sentiment":"neutral","sentiment_score":0.2292812615633011},{"text":"Great.","start":18.395,"end":18.875,"sentiment":"positive","sentiment_score":0.45328083634376526},{"text":"Yep.","start":18.875,"end":19.375,"sentiment":"neutral","sentiment_score":0.1845758855342865}],"sentiment":"neutral","sentiment_score":0.28904599448045093,"channel":1,"num_words":3,"start":17.835,"end":19.375},{"sentences":[{"text":"Yep.","start":19.435,"end":19.935,"sentiment":"neutral","sentiment_score":0.25367337465286255},{"text":"Beautiful.","start":19.995,"end":20.495,"sentiment":"positive","sentiment_score":0.5380125641822815},{"text":"Beautiful.","start":20.635,"end":21.135,"sentiment":"positive","sentiment_score":0.5162305235862732},{"text":"I'm gonna send you an email.","start":21.355,"end":23.115,"sentiment":"neutral","sentiment_score":0.18289769689242044},{"text":"Is either of you or both of you able to jump into your emails and view","start":23.115,"end":27.435001,"sentiment":"neutral","sentiment_score":0.10633850330486894}],"sentiment":"neutral","sentiment_score":0.16426874786615372,"channel":0,"num_words":25,"start":19.435,"end":27.435001},{"sentences":[{"text":"Yep.","start":27.355,"end":27.855,"sentiment":"neutral","sentiment_score":0.08275201916694641}],"sentiment":"neutral","sentiment_score":0.08275201916694641,"channel":1,"num_words":1,"start":27.355,"end":27.855},{"sentences":[{"text":"the document at all?","start":27.435001,"end":28.53,"sentiment":"neutral","sentiment_score":0.07422538008540869}],"sentiment":"neutral","sentiment_score":0.07422538008540869,"channel":0,"num_words":4,"start":27.435001,"end":28.53},{"sentences":[{"text":"Yeah.","start":29.035,"end":29.275,"sentiment":"neutral","sentiment_score":0.0336044505238533},{"text":"On our phones.","start":29.275,"end":29.994999,"sentiment":"neutral","sentiment_score":0.02600337192416191},{"text":"Is that alright?","start":29.994999,"end":30.814999,"sentiment":"neutral","sentiment_score":0.0535945234199365}],"sentiment":"neutral","sentiment_score":0.038914019508021216,"channel":1,"num_words":7,"start":29.035,"end":30.814999},{"sentences":[{"text":"Yeah.","start":31.17,"end":31.490002,"sentiment":"neutral","sentiment_score":0.08854590356349945}],"sentiment":"neutral","sentiment_score":0.08854590356349945,"channel":0,"num_words":1,"start":31.17,"end":31.490002},{"sentences":[{"text":"Yep.","start":31.41,"end":31.91,"sentiment":"neutral","sentiment_score":0.12851761281490326}],"sentiment":"neutral","sentiment_score":0.12851761281490326,"channel":1,"num_words":1,"start":31.41,"end":31.91},{"sentences":[{"text":"That's absolutely fine.","start":31.490002,"end":32.77,"sentiment":"neutral","sentiment_score":0.32114772995313007},{"text":"Not a problem at all.","start":32.77,"end":34.23,"sentiment":"neutral","sentiment_score":0.2630796849727631},{"text":"All good.","start":34.690002,"end":35.170002,"sentiment":"neutral","sentiment_score":0.28490282595157623},{"text":"And is Peter there with you as well?","start":35.170002,"end":37.190002,"sentiment":"neutral","sentiment_score":0.07882596179842949}],"sentiment":"neutral","sentiment_score":0.1932919422785441,"channel":0,"num_words":18,"start":31.490002,"end":37.190002},{"sentences":[{"text":"Yes.","start":37.25,"end":37.57,"sentiment":"neutral","sentiment_score":0.07809844613075256},{"text":"He is.","start":37.57,"end":38.05,"sentiment":"neutral","sentiment_score":0.08436199650168419},{"text":"Yeah.","start":38.05,"end":38.29,"sentiment":"neutral","sentiment_score":0.09355397522449492},{"text":"He's here.","start":38.29,"end":39.11,"sentiment":"neutral","sentiment_score":0.12496135383844376}],"sentiment":"neutral","sentiment_score":0.09838318700591724,"channel":1,"num_words":6,"start":37.25,"end":39.11},{"sentences":[{"text":"Beautiful.","start":39.65,"end":40.15,"sentiment":"positive","sentiment_score":0.4483478963375091},{"text":"Beautiful.","start":40.21,"end":40.71,"sentiment":"positive","sentiment_score":0.5091939568519592},{"text":"Excellent.","start":41.010002,"end":41.510002,"sentiment":"positive","sentiment_score":0.5051398277282715},{"text":"How have you both been?","start":41.65,"end":42.77,"sentiment":"neutral","sentiment_score":0.3077966272830963},{"text":"How's your day going?","start":42.77,"end":44.07,"sentiment":"neutral","sentiment_score":0.19943176209926605}],"sentiment":"neutral","sentiment_score":0.3166159888108571,"channel":0,"num_words":12,"start":39.65,"end":44.07},{"sentences":[{"text":"Yeah.","start":44.545002,"end":44.865,"sentiment":"neutral","sentiment_score":0.03567981347441673},{"text":"Not too bad.","start":44.865,"end":45.585,"sentiment":"neutral","sentiment_score":-0.03238178292910258},{"text":"Let me just yell at this cockatoo.","start":45.585,"end":47.125,"sentiment":"neutral","sentiment_score":-0.16026435686009272},{"text":"Hold on a minute.","start":47.265,"end":48.245,"sentiment":"neutral","sentiment_score":-0.06332334037870169}],"sentiment":"neutral","sentiment_score":-0.09577395965655645,"channel":1,"num_words":15,"start":44.545002,"end":48.245},{"sentences":[{"text":"You're right.","start":48.575,"end":49.395,"sentiment":"neutral","sentiment_score":-0.029691461473703384}],"sentiment":"neutral","sentiment_score":-0.029691461473703384,"channel":0,"num_words":2,"start":48.575,"end":49.395},{"sentences":[{"text":"Shut up.","start":49.025,"end":50.365,"sentiment":"neutral","sentiment_score":-0.06529690511524677},{"text":"Stop it.","start":50.705,"end":51.525,"sentiment":"neutral","sentiment_score":-0.0625796914100647},{"text":"That'll last thirty seconds.","start":53.825,"end":55.205,"sentiment":"neutral","sentiment_score":-0.032002175226807594},{"text":"He wants to get out.","start":57.99,"end":59.21,"sentiment":"neutral","sentiment_score":-0.04697171375155449}],"sentiment":"neutral","sentiment_score":-0.04758618943966352,"channel":1,"num_words":13,"start":49.025,"end":59.21},{"sentences":[{"text":"Oh, it's is one of your pet, is it?","start":59.88,"end":62.22,"sentiment":"neutral","sentiment_score":-0.044194551184773445}],"sentiment":"neutral","sentiment_score":-0.044194551184773445,"channel":0,"num_words":9,"start":59.88,"end":62.22},{"sentences":[{"text":"Yeah.","start":62.23,"end":62.71,"sentiment":"neutral","sentiment_score":-0.06939782947301865},{"text":"Cockatoo.","start":62.71,"end":63.21,"sentiment":"neutral","sentiment_score":-0.1460191309452057},{"text":"Yeah.","start":63.350002,"end":63.670002,"sentiment":"neutral","sentiment_score":-0.2185385823249817},{"text":"It drives us nuts.","start":63.670002,"end":64.81,"sentiment":"negative","sentiment_score":-0.40792885422706604}],"sentiment":"neutral","sentiment_score":-0.29509585137878147,"channel":1,"num_words":7,"start":62.23,"end":64.81},{"sentences":[{"text":"I bet.","start":65.64,"end":66.46,"sentiment":"neutral","sentiment_score":-0.1881398856639862},{"text":"I bet.","start":66.6,"end":67.340004,"sentiment":"neutral","sentiment_score":-0.08893606066703796}],"sentiment":"neutral","sentiment_score":-0.13853797316551208,"channel":0,"num_words":4,"start":65.64,"end":67.340004},{"sentences":[{"text":"Okay.","start":68.47,"end":68.95,"sentiment":"neutral","sentiment_score":-0.011509767733514307},{"text":"We're right.","start":68.95,"end":69.770004,"sentiment":"neutral","sentiment_score":0.00531994178891182}],"sentiment":"neutral","sentiment_score":-0.00028996138523022216,"channel":1,"num_words":3,"start":68.47,"end":69.770004},{"sentences":[{"text":"Yep.","start":70.28,"end":70.78,"sentiment":"neutral","sentiment_score":0.02197417244315147}],"sentiment":"neutral","sentiment_score":0.02197417244315147,"channel":0,"num_words":1,"start":70.28,"end":70.78},{"sentences":[{"text":"There you","start":70.795,"end":71.034996,"sentiment":"neutral","sentiment_score":0.038609735667705536}],"sentiment":"neutral","sentiment_score":0.038609735667705536,"channel":1,"num_words":2,"start":70.795,"end":71.034996},{"sentences":[{"text":"All","start":71.0,"end":71.240005,"sentiment":"neutral","sentiment_score":0.06485524028539658}],"sentiment":"neutral","sentiment_score":0.06485524028539658,"channel":0,"num_words":1,"start":71.0,"end":71.240005},{"sentences":[{"text":"go.","start":71.034996,"end":71.435,"sentiment":"neutral","sentiment_score":0.06704085320234299}],"sentiment":"neutral","sentiment_score":0.06704085320234299,"channel":1,"num_words":1,"start":71.034996,"end":71.435},{"sentences":[{"text":"good.","start":71.240005,"end":71.740005,"sentiment":"neutral","sentiment_score":0.07449522614479065}],"sentiment":"neutral","sentiment_score":0.07449522614479065,"channel":0,"num_words":1,"start":71.240005,"end":71.740005},{"sentences":[{"text":"Down in Charlotte.","start":71.435,"end":72.395,"sentiment":"neutral","sentiment_score":0.01945028578241666},{"text":"Yep.","start":72.395,"end":72.875,"sentiment":"neutral","sentiment_score":0.03191940858960152},{"text":"I got that.","start":72.875,"end":73.774994,"sentiment":"neutral","sentiment_score":0.060825722912947335}],"sentiment":"neutral","sentiment_score":0.03896391923938479,"channel":1,"num_words":7,"start":71.435,"end":73.774994},{"sentences":[{"text":"Got that one.","start":74.875,"end":75.755,"sentiment":"neutral","sentiment_score":0.0875542809565862},{"text":"Beautiful.","start":75.755,"end":76.255,"sentiment":"neutral","sentiment_score":0.3028598427772522},{"text":"Beautiful.","start":76.475,"end":76.954994,"sentiment":"neutral","sentiment_score":0.2561560273170471},{"text":"Now before I jump in and go through this with you, just to let you know, we do record our calls for quality and training purposes.","start":76.954994,"end":82.494995,"sentiment":"neutral","sentiment_score":0.058501653086680636},{"text":"Are you both happy for me to proceed with that?","start":82.555,"end":85.055,"sentiment":"neutral","sentiment_score":0.08242245055735112}],"sentiment":"neutral","sentiment_score":0.0772425902144211,"channel":0,"num_words":41,"start":74.875,"end":85.055},{"sentences":[{"text":"Yeah.","start":85.18,"end":85.42,"sentiment":"neutral","sentiment_score":0.06671995669603348},{"text":"That's fine.","start":85.42,"end":86.14,"sentiment":"neutral","sentiment_score":0.10372906178236008},{"text":"Yep.","start":86.14,"end":86.64,"sentiment":"neutral","sentiment_score":0.14916947484016418}],"sentiment":"neutral","sentiment_score":0.10583688877522945,"channel":1,"num_words":4,"start":85.18,"end":86.64},{"sentences":[{"text":"Lovely.","start":86.75,"end":87.15,"sentiment":"neutral","sentiment_score":0.23641452193260193},{"text":"And just to do security, just the phone of you is fine.","start":87.15,"end":89.79,"sentiment":"neutral","sentiment_score":0.09587771942218144},{"text":"If I just get you, Yvonne, just to confirm your date of birth and address for me?","start":89.79,"end":93.810005,"sentiment":"neutral","sentiment_score":0.06756915699909716}],"sentiment":"neutral","sentiment_score":0.08452076079944769,"channel":0,"num_words":30,"start":86.75,"end":93.810005},{"sentences":[{"text":"1964.","start":93.66,"end":96.06,"sentiment":"neutral","sentiment_score":0.013807646930217745},{"text":"30 Green Avenue,","start":96.06,"end":97.200005,"sentiment":"neutral","sentiment_score":0.016437409135202568}],"sentiment":"neutral","sentiment_score":0.01577996858395636,"channel":1,"num_words":4,"start":93.66,"end":97.200005},{"sentences":[{"text":"Yep.","start":96.75,"end":97.25,"sentiment":"neutral","sentiment_score":0.027634982019662857}],"sentiment":"neutral","sentiment_score":0.027634982019662857,"channel":0,"num_words":1,"start":96.75,"end":97.25},{"sentences":[{"text":"Glenley 4711.","start":97.26,"end":98.96,"sentiment":"neutral","sentiment_score":0.03152349777519703}],"sentiment":"neutral","sentiment_score":0.03152349777519703,"channel":1,"num_words":2,"start":97.26,"end":98.96},{"sentences":[{"text":"Oh, beautiful.","start":99.615,"end":100.275,"sentiment":"neutral","sentiment_score":0.23052453994750977},{"text":"Thank you so much for that.","start":100.335,"end":102.035,"sentiment":"positive","sentiment_score":0.466929093003273}],"sentiment":"positive","sentiment_score":0.4078279547393322,"channel":0,"num_words":8,"start":99.615,"end":102.035},{"sentences":[{"text":"Mhmm.","start":102.424995,"end":102.924995,"sentiment":"neutral","sentiment_score":0.006247250363230705}],"sentiment":"neutral","sentiment_score":0.006247250363230705,"channel":1,"num_words":1,"start":102.424995,"end":102.924995},{"sentences":[{"text":"So with regards to the advice there, as you open it up, the first page does let you know, has been prepared for both of yourselves as sorry.","start":102.895,"end":111.695,"sentiment":"neutral","sentiment_score":-0.08201469853520393},{"text":"By myself and my lovely team here, my authorized representative number is 1304394.","start":111.695,"end":118.24,"sentiment":"neutral","sentiment_score":0.022062338745364778}],"sentiment":"neutral","sentiment_score":-0.049014662324291906,"channel":0,"num_words":41,"start":102.895,"end":118.24},{"sentences":[{"text":"Yes.","start":118.950005,"end":119.450005,"sentiment":"neutral","sentiment_score":-0.0032628928311169147}],"sentiment":"neutral","sentiment_score":-0.0032628928311169147,"channel":1,"num_words":1,"start":118.950005,"end":119.450005},{"sentences":[{"text":"All advice that we're going through is provided under the best interest duty there, essentially, with this advice document.","start":119.74,"end":126.14,"sentiment":"neutral","sentiment_score":0.10099745973160393},{"text":"We did the annual review last year, and I apologize for taking a little bit long to get this one out to you.","start":126.14,"end":131.265,"sentiment":"neutral","sentiment_score":-0.02115735120099524},{"text":"But we were just looking at making sure that you were on track, looking at, you know, where you were going retirement wise.","start":131.34499,"end":136.625,"sentiment":"neutral","sentiment_score":0.12482786777874698},{"text":"You both made mention that you were both looking to retire, hopefully, in the next ten years.","start":136.625,"end":142.64499,"sentiment":"neutral","sentiment_score":0.0720704964855138},{"text":"And, Katie, you're back at work now.","start":142.94499,"end":144.545,"sentiment":"neutral","sentiment_score":0.08312447688409261}],"sentiment":"neutral","sentiment_score":0.06865666735540615,"channel":0,"num_words":89,"start":119.74,"end":144.545},{"sentences":[{"text":"You've got a new job.","start":144.545,"end":145.84499,"sentiment":"neutral","sentiment_score":0.06446599960327148}],"sentiment":"neutral","sentiment_score":0.06446599960327148,"channel":0,"num_words":5,"start":144.545,"end":145.84499},{"sentences":[{"text":"Yeah.","start":146.25,"end":146.56999,"sentiment":"neutral","sentiment_score":0.0887596383690834},{"text":"Yeah.","start":146.56999,"end":147.06999,"sentiment":"neutral","sentiment_score":0.14467287063598633},{"text":"Yeah.","start":147.76999,"end":148.26999,"sentiment":"positive","sentiment_score":0.3758338689804077}],"sentiment":"neutral","sentiment_score":0.2030887926618258,"channel":1,"num_words":3,"start":146.25,"end":148.26999},{"sentences":[{"text":"Fantastic.","start":147.87999,"end":148.37999,"sentiment":"positive","sentiment_score":0.6798627376556396},{"text":"Michelle made mention that you off the twenty one days, you'll be working for this stint.","start":148.84,"end":153.73999,"sentiment":"neutral","sentiment_score":0.22022396884858608}],"sentiment":"neutral","sentiment_score":0.2472615434842951,"channel":0,"num_words":17,"start":147.87999,"end":153.73999},{"sentences":[{"text":"Yeah.","start":154.10501,"end":154.60501,"sentiment":"neutral","sentiment_score":0.06456314027309418},{"text":"Twenty one days","start":154.905,"end":155.705,"sentiment":"neutral","sentiment_score":0.04419803743561109}],"sentiment":"neutral","sentiment_score":0.04928931314498186,"channel":1,"num_words":4,"start":154.10501,"end":155.705},{"sentences":[{"text":"Wow.","start":155.48,"end":155.98,"sentiment":"neutral","sentiment_score":0.11465640366077424}],"sentiment":"neutral","sentiment_score":0.11465640366077424,"channel":0,"num_words":1,"start":155.48,"end":155.98},{"sentences":[{"text":"and all for seven.","start":155.705,"end":156.845,"sentiment":"neutral","sentiment_score":0.06710666604340076},{"text":"Yeah.","start":157.065,"end":157.565,"sentiment":"neutral","sentiment_score":0.043414708226919174}],"sentiment":"neutral","sentiment_score":0.062368274480104444,"channel":1,"num_words":5,"start":155.705,"end":157.565},{"sentences":[{"text":"Yeah.","start":157.4,"end":157.71999,"sentiment":"neutral","sentiment_score":0.034369125962257385}],"sentiment":"neutral","sentiment_score":0.034369125962257385,"channel":0,"num_words":1,"start":157.4,"end":157.71999},{"sentences":[{"text":"Three","start":157.625,"end":157.945,"sentiment":"neutral","sentiment_score":0.01746663823723793}],"sentiment":"neutral","sentiment_score":0.01746663823723793,"channel":1,"num_words":1,"start":157.625,"end":157.945},{"sentences":[{"text":"Wow.","start":157.71999,"end":158.12,"sentiment":"neutral","sentiment_score":0.026118259876966476}],"sentiment":"neutral","sentiment_score":0.026118259876966476,"channel":0,"num_words":1,"start":157.71999,"end":158.12},{"sentences":[{"text":"on three","start":157.945,"end":158.425,"sentiment":"neutral","sentiment_score":0.007634109118953347}],"sentiment":"neutral","sentiment_score":0.007634109118953347,"channel":1,"num_words":2,"start":157.945,"end":158.425},{"sentences":[{"text":"That's","start":158.12,"end":158.43999,"sentiment":"neutral","sentiment_score":0.0117171760648489}],"sentiment":"neutral","sentiment_score":0.0117171760648489,"channel":0,"num_words":1,"start":158.12,"end":158.43999},{"sentences":[{"text":"on,","start":158.425,"end":158.585,"sentiment":"neutral","sentiment_score":0.008692780509591103}],"sentiment":"neutral","sentiment_score":0.008692780509591103,"channel":1,"num_words":1,"start":158.425,"end":158.585},{"sentences":[{"text":"a,","start":158.43999,"end":158.93999,"sentiment":"neutral","sentiment_score":0.006686617620289326}],"sentiment":"neutral","sentiment_score":0.006686617620289326,"channel":0,"num_words":1,"start":158.43999,"end":158.93999},{"sentences":[{"text":"one off.","start":158.585,"end":159.405,"sentiment":"neutral","sentiment_score":0.01167193939909339}],"sentiment":"neutral","sentiment_score":0.01167193939909339,"channel":1,"num_words":2,"start":158.585,"end":159.405},{"sentences":[{"text":"yeah,","start":159.605,"end":159.925,"sentiment":"neutral","sentiment_score":0.0065028052777051926}],"sentiment":"neutral","sentiment_score":0.0065028052777051926,"channel":0,"num_words":1,"start":159.605,"end":159.925},{"sentences":[{"text":"It's","start":159.865,"end":160.185,"sentiment":"neutral","sentiment_score":-0.00505499355494976}],"sentiment":"neutral","sentiment_score":-0.00505499355494976,"channel":1,"num_words":1,"start":159.865,"end":160.185},{"sentences":[{"text":"that's a","start":159.925,"end":160.245,"sentiment":"neutral","sentiment_score":-0.005536786746233701}],"sentiment":"neutral","sentiment_score":-0.005536786746233701,"channel":0,"num_words":2,"start":159.925,"end":160.245},{"sentences":[{"text":"up","start":160.185,"end":160.265,"sentiment":"neutral","sentiment_score":-0.016414999961853027}],"sentiment":"neutral","sentiment_score":-0.016414999961853027,"channel":1,"num_words":1,"start":160.185,"end":160.265},{"sentences":[{"text":"long","start":160.245,"end":160.565,"sentiment":"neutral","sentiment_score":-0.0070929862558841705}],"sentiment":"neutral","sentiment_score":-0.0070929862558841705,"channel":0,"num_words":1,"start":160.245,"end":160.565},{"sentences":[{"text":"in the Northern","start":160.265,"end":160.905,"sentiment":"neutral","sentiment_score":-0.004861521224180858}],"sentiment":"neutral","sentiment_score":-0.004861521224180858,"channel":1,"num_words":3,"start":160.265,"end":160.905},{"sentences":[{"text":"stint, isn't","start":160.565,"end":161.205,"sentiment":"neutral","sentiment_score":-0.0025065073277801275}],"sentiment":"neutral","sentiment_score":-0.0025065073277801275,"channel":0,"num_words":2,"start":160.565,"end":161.205},{"sentences":[{"text":"Territory,","start":160.905,"end":161.405,"sentiment":"neutral","sentiment_score":-0.008930104784667492}],"sentiment":"neutral","sentiment_score":-0.008930104784667492,"channel":1,"num_words":1,"start":160.905,"end":161.405},{"sentences":[{"text":"it?","start":161.205,"end":161.705,"sentiment":"neutral","sentiment_score":-0.0009088441729545592}],"sentiment":"neutral","sentiment_score":-0.0009088441729545592,"channel":0,"num_words":1,"start":161.205,"end":161.705},{"sentences":[{"text":"so they can't afford to come back and forth, I suppose.","start":161.545,"end":165.2,"sentiment":"neutral","sentiment_score":-0.10661918399008838}],"sentiment":"neutral","sentiment_score":-0.10661918399008838,"channel":1,"num_words":11,"start":161.545,"end":165.2},{"sentences":[{"text":"No.","start":165.525,"end":166.025,"sentiment":"neutral","sentiment_score":-0.06390263885259628},{"text":"Absolutely.","start":166.165,"end":166.665,"sentiment":"neutral","sentiment_score":-0.021057728677988052}],"sentiment":"neutral","sentiment_score":-0.04248018376529217,"channel":0,"num_words":2,"start":165.525,"end":166.665},{"sentences":[{"text":"Hey.","start":166.3,"end":166.54,"sentiment":"neutral","sentiment_score":-0.00950931292027235},{"text":"Listen.","start":166.54,"end":166.86,"sentiment":"neutral","sentiment_score":-0.012448291294276714},{"text":"I didn't get anything through on my email, so I don't know.","start":166.86,"end":169.5,"sentiment":"neutral","sentiment_score":-0.07183907553553581},{"text":"I got yours, but Oh, you've got mine.","start":169.5,"end":172.0,"sentiment":"neutral","sentiment_score":-0.02739825868047774}],"sentiment":"neutral","sentiment_score":-0.050146026367490944,"channel":1,"num_words":22,"start":166.3,"end":172.0},{"sentences":[{"text":"That's okay.","start":173.9,"end":174.54,"sentiment":"neutral","sentiment_score":0.025466295890510082},{"text":"The email I had for both of you was the same email address.","start":174.54,"end":177.98,"sentiment":"neutral","sentiment_score":0.012714510998473717},{"text":"I've got peter.wooderson1@bigpond.com down","start":177.98,"end":181.01999,"sentiment":"neutral","sentiment_score":0.011607869528234005}],"sentiment":"neutral","sentiment_score":0.013823826993374448,"channel":0,"num_words":19,"start":173.9,"end":181.01999},{"sentences":[{"text":"Trying to","start":180.735,"end":181.13501,"sentiment":"neutral","sentiment_score":0.003161939326673746}],"sentiment":"neutral","sentiment_score":0.003161939326673746,"channel":1,"num_words":2,"start":180.735,"end":181.13501},{"sentences":[{"text":"for","start":181.01999,"end":181.26,"sentiment":"neutral","sentiment_score":0.001362798735499382}],"sentiment":"neutral","sentiment_score":0.001362798735499382,"channel":0,"num_words":1,"start":181.01999,"end":181.26},{"sentences":[{"text":"do","start":181.13501,"end":181.295,"sentiment":"neutral","sentiment_score":0.005955778062343597}],"sentiment":"neutral","sentiment_score":0.005955778062343597,"channel":1,"num_words":1,"start":181.13501,"end":181.295},{"sentences":[{"text":"both","start":181.26,"end":181.5,"sentiment":"neutral","sentiment_score":0.015996849164366722}],"sentiment":"neutral","sentiment_score":0.015996849164366722,"channel":0,"num_words":1,"start":181.26,"end":181.5},{"sentences":[{"text":"it with Ned","start":181.295,"end":181.615,"sentiment":"neutral","sentiment_score":0.021673329795400303}],"sentiment":"neutral","sentiment_score":0.021673329795400303,"channel":1,"num_words":3,"start":181.295,"end":181.615},{"sentences":[{"text":"of you","start":181.5,"end":181.9,"sentiment":"neutral","sentiment_score":0.042091019451618195}],"sentiment":"neutral","sentiment_score":0.042091019451618195,"channel":0,"num_words":2,"start":181.5,"end":181.9},{"sentences":[{"text":"and Micron.","start":181.615,"end":182.195,"sentiment":"neutral","sentiment_score":0.01801330130547285}],"sentiment":"neutral","sentiment_score":0.01801330130547285,"channel":1,"num_words":2,"start":181.615,"end":182.195},{"sentences":[{"text":"on file.","start":181.9,"end":182.54,"sentiment":"neutral","sentiment_score":0.002812369726598263},{"text":"So it's gone through","start":182.54,"end":183.42,"sentiment":"neutral","sentiment_score":0.0106758673209697}],"sentiment":"neutral","sentiment_score":0.008054701456179222,"channel":0,"num_words":6,"start":181.9,"end":183.42},{"sentences":[{"text":"Yeah.","start":183.21501,"end":183.71501,"sentiment":"neutral","sentiment_score":0.009776790626347063}],"sentiment":"neutral","sentiment_score":0.009776790626347063,"channel":1,"num_words":1,"start":183.21501,"end":183.71501},{"sentences":[{"text":"to the same email.","start":183.42,"end":184.72,"sentiment":"neutral","sentiment_score":0.010707698063924909}],"sentiment":"neutral","sentiment_score":0.010707698063924909,"channel":0,"num_words":4,"start":183.42,"end":184.72},{"sentences":[{"text":"Okay.","start":185.295,"end":185.795,"sentiment":"neutral","sentiment_score":0.04927658289670944},{"text":"That's alright.","start":185.935,"end":186.57501,"sentiment":"neutral","sentiment_score":0.07796857506036758}],"sentiment":"neutral","sentiment_score":0.06840457767248154,"channel":1,"num_words":3,"start":185.295,"end":186.57501},{"sentences":[{"text":"Yep.","start":186.445,"end":186.945,"sentiment":"neutral","sentiment_score":0.09781350195407867}],"sentiment":"neutral","sentiment_score":0.09781350195407867,"channel":0,"num_words":1,"start":186.445,"end":186.945},{"sentences":[{"text":"We'll just do it on his phone.","start":186.57501,"end":188.095,"sentiment":"neutral","sentiment_score":0.08068306211914335},{"text":"That's okay.","start":188.095,"end":188.91501,"sentiment":"neutral","sentiment_score":0.11133208870887756}],"sentiment":"neutral","sentiment_score":0.08749395691686207,"channel":1,"num_words":9,"start":186.57501,"end":188.91501},{"sentences":[{"text":"Yeah.","start":188.445,"end":188.945,"sentiment":"neutral","sentiment_score":0.09408236294984818},{"text":"That's okay.","start":189.325,"end":190.225,"sentiment":"neutral","sentiment_score":0.09581342339515686},{"text":"When you go into the email inbox, there'll be two","start":191.005,"end":193.565,"sentiment":"neutral","sentiment_score":0.046751116402447224}],"sentiment":"neutral","sentiment_score":0.0579400287511257,"channel":0,"num_words":13,"start":188.445,"end":193.565},{"sentences":[{"text":"Alright.","start":193.33,"end":193.83,"sentiment":"neutral","sentiment_score":0.0508098304271698}],"sentiment":"neutral","sentiment_score":0.0508098304271698,"channel":1,"num_words":1,"start":193.33,"end":193.83},{"sentences":[{"text":"individual","start":193.565,"end":194.065,"sentiment":"neutral","sentiment_score":0.05654127150774002}],"sentiment":"neutral","sentiment_score":0.05654127150774002,"channel":0,"num_words":1,"start":193.565,"end":194.065},{"sentences":[{"text":"Sign","start":194.05,"end":194.37,"sentiment":"neutral","sentiment_score":0.06649712473154068}],"sentiment":"neutral","sentiment_score":0.06649712473154068,"channel":1,"num_words":1,"start":194.05,"end":194.37},{"sentences":[{"text":"invitations.","start":194.285,"end":194.785,"sentiment":"neutral","sentiment_score":0.08287002891302109}],"sentiment":"neutral","sentiment_score":0.08287002891302109,"channel":0,"num_words":1,"start":194.285,"end":194.785},{"sentences":[{"text":"that, Ethan.","start":194.37,"end":195.11,"sentiment":"neutral","sentiment_score":0.11958868056535721},{"text":"That's yours.","start":195.25,"end":196.05,"sentiment":"neutral","sentiment_score":0.17168136686086655},{"text":"I'm listening to Dana Love.","start":196.05,"end":197.33,"sentiment":"neutral","sentiment_score":0.14381847977638246},{"text":"Yeah.","start":197.33,"end":197.65,"sentiment":"neutral","sentiment_score":0.11404405534267426},{"text":"I know.","start":197.65,"end":198.23,"sentiment":"neutral","sentiment_score":0.08454610407352448}],"sentiment":"neutral","sentiment_score":0.1320640631020069,"channel":1,"num_words":12,"start":194.37,"end":198.23},{"sentences":[{"text":"So she's telling me.","start":198.61,"end":199.81,"sentiment":"neutral","sentiment_score":0.09318184666335583},{"text":"Go into there and sign it.","start":199.81,"end":200.93,"sentiment":"neutral","sentiment_score":0.1145271547138691},{"text":"Sign that.","start":200.93,"end":201.83,"sentiment":"neutral","sentiment_score":0.20517706125974655}],"sentiment":"neutral","sentiment_score":0.12252036978801091,"channel":1,"num_words":12,"start":198.61,"end":201.83},{"sentences":[{"text":"It's all good, honestly.","start":202.18001,"end":203.72,"sentiment":"positive","sentiment_score":0.6453753113746643},{"text":"It's so good to talk to you both again.","start":203.78,"end":205.54001,"sentiment":"positive","sentiment_score":0.748563375737932},{"text":"I've missed having a little chat.","start":205.54001,"end":207.32,"sentiment":"neutral","sentiment_score":0.16694287955760956},{"text":"So what I did was I went back after the review last year.","start":210.34,"end":213.06,"sentiment":"neutral","sentiment_score":0.11981893903934039},{"text":"We had a bit of a look at everything with you, Super.","start":213.06,"end":215.48001,"sentiment":"neutral","sentiment_score":0.23038836320241293}],"sentiment":"neutral","sentiment_score":0.33278489705513825,"channel":0,"num_words":44,"start":202.18001,"end":215.48001},{"sentences":[{"text":"I am making a recommendation to make a couple of changes.","start":215.7,"end":218.675,"sentiment":"neutral","sentiment_score":0.17288718033920636},{"text":"This year, especially, we have seen some changes in the market conditions.","start":219.135,"end":222.75499,"sentiment":"neutral","sentiment_score":0.06600418717910846},{"text":"So it did mean that we wanted to update some of your investment options.","start":222.97499,"end":226.995,"sentiment":"neutral","sentiment_score":0.08613589033484459}],"sentiment":"neutral","sentiment_score":0.1053976133667134,"channel":0,"num_words":37,"start":215.7,"end":226.995},{"sentences":[{"text":"Yep.","start":227.67,"end":228.17,"sentiment":"neutral","sentiment_score":0.24521641433238983}],"sentiment":"neutral","sentiment_score":0.24521641433238983,"channel":1,"num_words":1,"start":227.67,"end":228.17},{"sentences":[{"text":"I've done that for you, and this is essentially outlining that, and then we are working towards being able to retire.","start":227.855,"end":234.54,"sentiment":"positive","sentiment_score":0.33430444200833637},{"text":"You guys mentioned in the next ten years, if anything changes, we can always look at this.","start":234.76,"end":239.31999,"sentiment":"neutral","sentiment_score":0.13450665114557042},{"text":"But I wanted","start":239.31999,"end":239.95999,"sentiment":"neutral","sentiment_score":0.1557344694932302}],"sentiment":"neutral","sentiment_score":0.23839536000315736,"channel":0,"num_words":41,"start":227.855,"end":239.95999},{"sentences":[{"text":"Yep.","start":239.78499,"end":240.28499,"sentiment":"neutral","sentiment_score":0.18308916687965393}],"sentiment":"neutral","sentiment_score":0.18308916687965393,"channel":1,"num_words":1,"start":239.78499,"end":240.28499},{"sentences":[{"text":"to, as part of this document, kind of show you where we're tracking for, not just for the projection table, but just sort of showing you where you might be tracking for in retirement, how long Susan might be expected to last with the draw downs and things like that.","start":239.95999,"end":253.20499,"sentiment":"neutral","sentiment_score":0.13444668211042882},{"text":"So I put a little bit more into this for you.","start":253.20499,"end":255.525,"sentiment":"neutral","sentiment_score":0.1632704883813858},{"text":"Okay?","start":255.525,"end":256.025,"sentiment":"neutral","sentiment_score":0.056764934211969376}],"sentiment":"neutral","sentiment_score":0.13830765180530086,"channel":0,"num_words":62,"start":239.95999,"end":256.025},{"sentences":[{"text":"He sent me Hold on a minute, Donna.","start":256.85,"end":259.815,"sentiment":"neutral","sentiment_score":0.0328355235978961}],"sentiment":"neutral","sentiment_score":0.0328355235978961,"channel":1,"num_words":8,"start":256.85,"end":259.815},{"sentences":[{"text":"You're right.","start":260.16,"end":260.98,"sentiment":"neutral","sentiment_score":0.049871645867824554}],"sentiment":"neutral","sentiment_score":0.049871645867824554,"channel":0,"num_words":2,"start":260.16,"end":260.98},{"sentences":[{"text":"He sent me both of yours.","start":260.515,"end":262.135,"sentiment":"neutral","sentiment_score":0.02736164505283038},{"text":"Two of yours, not two of yours.","start":264.275,"end":265.715,"sentiment":"neutral","sentiment_score":0.002787461462763271},{"text":"He hasn't got one of his.","start":265.715,"end":267.075,"sentiment":"neutral","sentiment_score":-0.029917712633808453},{"text":"He's got two emails and both of mine.","start":267.075,"end":269.23502,"sentiment":"neutral","sentiment_score":-0.011261359206400812},{"text":"Oh, it doesn't matter.","start":269.23502,"end":270.435,"sentiment":"neutral","sentiment_score":0.012038087472319603}],"sentiment":"neutral","sentiment_score":-0.0012181515809178592,"channel":1,"num_words":31,"start":260.515,"end":270.435},{"sentences":[{"text":"He's got it.","start":270.435,"end":271.335,"sentiment":"neutral","sentiment_score":0.027248732124765713}],"sentiment":"neutral","sentiment_score":0.027248732124765713,"channel":1,"num_words":3,"start":270.435,"end":271.335},{"sentences":[{"text":"It's okay.","start":271.645,"end":272.205,"sentiment":"neutral","sentiment_score":0.08182422071695328},{"text":"One of them should be for one should say Peter, one should say Yvonne.","start":272.205,"end":276.22498,"sentiment":"neutral","sentiment_score":0.039638040853398185}],"sentiment":"neutral","sentiment_score":0.04491131333634257,"channel":0,"num_words":16,"start":271.645,"end":276.22498},{"sentences":[{"text":"I'm both on the same thing, ma'am.","start":277.33,"end":280.22998,"sentiment":"neutral","sentiment_score":0.04831395670771599}],"sentiment":"neutral","sentiment_score":0.04831395670771599,"channel":1,"num_words":7,"start":277.33,"end":280.22998},{"sentences":[{"text":"On the same email.","start":279.88498,"end":280.925,"sentiment":"neutral","sentiment_score":0.027342859655618668},{"text":"Yeah.","start":280.925,"end":281.16498,"sentiment":"neutral","sentiment_score":0.027341719716787335},{"text":"Because on file, the last time we updated the details, you just wanted needed to use the same email address.","start":281.16498,"end":287.22998,"sentiment":"neutral","sentiment_score":0.01576844514347613},{"text":"So we have the same email address on file, so that's","start":287.22998,"end":289.94998,"sentiment":"neutral","sentiment_score":0.024795000018043953}],"sentiment":"neutral","sentiment_score":0.02013408503909078,"channel":0,"num_words":36,"start":279.88498,"end":289.94998},{"sentences":[{"text":"Yeah.","start":289.695,"end":289.935,"sentiment":"neutral","sentiment_score":0.0021348614245653152},{"text":"I","start":289.935,"end":290.015,"sentiment":"neutral","sentiment_score":-0.07548624277114868}],"sentiment":"neutral","sentiment_score":-0.03667569067329168,"channel":1,"num_words":2,"start":289.695,"end":290.015},{"sentences":[{"text":"okay.","start":289.94998,"end":290.44998,"sentiment":"neutral","sentiment_score":-0.0935509353876114}],"sentiment":"neutral","sentiment_score":-0.0935509353876114,"channel":0,"num_words":1,"start":289.94998,"end":290.44998},{"sentences":[{"text":"don't I don't get I don't get his emails anymore.","start":290.015,"end":292.515,"sentiment":"neutral","sentiment_score":-0.23579622209072112},{"text":"I would like to,","start":292.73502,"end":293.61502,"sentiment":"neutral","sentiment_score":-0.13014265149831772}],"sentiment":"neutral","sentiment_score":-0.20560948763574874,"channel":1,"num_words":14,"start":290.015,"end":293.61502},{"sentences":[{"text":"Oh,","start":293.55,"end":293.63,"sentiment":"neutral","sentiment_score":-0.12063038349151611}],"sentiment":"neutral","sentiment_score":-0.12063038349151611,"channel":0,"num_words":1,"start":293.55,"end":293.63},{"sentences":[{"text":"but","start":293.61502,"end":293.77502,"sentiment":"neutral","sentiment_score":-0.12836870551109314}],"sentiment":"neutral","sentiment_score":-0.12836870551109314,"channel":1,"num_words":1,"start":293.61502,"end":293.77502},{"sentences":[{"text":"that's","start":293.63,"end":293.87,"sentiment":"neutral","sentiment_score":-0.1653045415878296}],"sentiment":"neutral","sentiment_score":-0.1653045415878296,"channel":0,"num_words":1,"start":293.63,"end":293.87},{"sentences":[{"text":"they","start":293.77502,"end":293.935,"sentiment":"neutral","sentiment_score":-0.19109630584716797}],"sentiment":"neutral","sentiment_score":-0.19109630584716797,"channel":1,"num_words":1,"start":293.77502,"end":293.935},{"sentences":[{"text":"okay.","start":293.87,"end":294.37,"sentiment":"neutral","sentiment_score":-0.1779334545135498}],"sentiment":"neutral","sentiment_score":-0.1779334545135498,"channel":0,"num_words":1,"start":293.87,"end":294.37},{"sentences":[{"text":"won't come through on my new phone.","start":293.935,"end":295.635,"sentiment":"neutral","sentiment_score":-0.23837976157665253},{"text":"I","start":296.495,"end":296.655,"sentiment":"neutral","sentiment_score":-0.2186764031648636}],"sentiment":"neutral","sentiment_score":-0.2359168417751789,"channel":1,"num_words":8,"start":293.935,"end":296.655},{"sentences":[{"text":"Oh, that's","start":296.50998,"end":297.09,"sentiment":"neutral","sentiment_score":-0.3114212453365326}],"sentiment":"neutral","sentiment_score":-0.3114212453365326,"channel":0,"num_words":2,"start":296.50998,"end":297.09},{"sentences":[{"text":"can't set it up.","start":296.655,"end":297.61502,"sentiment":"neutral","sentiment_score":-0.26788731291890144},{"text":"Yeah.","start":297.61502,"end":297.855,"sentiment":"neutral","sentiment_score":-0.2004072070121765},{"text":"I don't know how to do it.","start":297.855,"end":299.23502,"sentiment":"neutral","sentiment_score":-0.27673255120004925},{"text":"He doesn't","start":299.45502,"end":300.015,"sentiment":"neutral","sentiment_score":-0.28607499599456787}],"sentiment":"neutral","sentiment_score":-0.2700881649340902,"channel":1,"num_words":14,"start":296.655,"end":300.015},{"sentences":[{"text":"email","start":299.64502,"end":300.125,"sentiment":"neutral","sentiment_score":-0.2819540202617645}],"sentiment":"neutral","sentiment_score":-0.2819540202617645,"channel":0,"num_words":1,"start":299.64502,"end":300.125},{"sentences":[{"text":"would","start":300.2025,"end":300.39,"sentiment":"negative","sentiment_score":-0.35108861327171326}],"sentiment":"negative","sentiment_score":-0.35108861327171326,"channel":1,"num_words":1,"start":300.2025,"end":300.39},{"sentences":[{"text":"if we could get around it, it'd be great.","start":300.52502,"end":302.285,"sentiment":"negative","sentiment_score":-0.3457608156734043},{"text":"When the technology can be a pain when it don't work.","start":302.285,"end":304.785,"sentiment":"negative","sentiment_score":-0.44154194268313324}],"sentiment":"negative","sentiment_score":-0.3984404355287552,"channel":0,"num_words":20,"start":300.52502,"end":304.785},{"sentences":[{"text":"Yeah.","start":305.19,"end":305.69,"sentiment":"neutral","sentiment_score":-0.05285917967557907}],"sentiment":"neutral","sentiment_score":-0.05285917967557907,"channel":1,"num_words":1,"start":305.19,"end":305.69},{"sentences":[{"text":"No.","start":306.845,"end":307.165,"sentiment":"neutral","sentiment_score":-0.0632653534412384},{"text":"That's honestly okay.","start":307.165,"end":308.70502,"sentiment":"neutral","sentiment_score":0.0911972348888715},{"text":"It's not a problem at all.","start":308.765,"end":310.14,"sentiment":"neutral","sentiment_score":0.3123686909675598},{"text":"To make this a bit easier, there is quite a lot of pages","start":310.46002,"end":312.94,"sentiment":"neutral","sentiment_score":0.10381883612045875}],"sentiment":"neutral","sentiment_score":0.149312320286813,"channel":0,"num_words":23,"start":306.845,"end":312.94},{"sentences":[{"text":"Mhmm.","start":312.735,"end":313.235,"sentiment":"neutral","sentiment_score":0.08434756100177765}],"sentiment":"neutral","sentiment_score":0.08434756100177765,"channel":1,"num_words":1,"start":312.735,"end":313.235},{"sentences":[{"text":"there, but I'll just sort of make it a bit easier for you both.","start":312.94,"end":315.58002,"sentiment":"neutral","sentiment_score":0.1829022459153618},{"text":"If I can get you to go down to page number 20 for me, I'll just","start":315.58002,"end":320.30002,"sentiment":"neutral","sentiment_score":0.12477033073082566}],"sentiment":"neutral","sentiment_score":0.15189855781694253,"channel":0,"num_words":30,"start":312.94,"end":320.30002},{"sentences":[{"text":"Yep.","start":320.2575,"end":320.7575,"sentiment":"neutral","sentiment_score":0.19827011227607727}],"sentiment":"neutral","sentiment_score":0.19827011227607727,"channel":1,"num_words":1,"start":320.2575,"end":320.7575},{"sentences":[{"text":"take you through what these recommendations are, and then I'll show you why I've made them this way for you.","start":320.30002,"end":325.36002,"sentiment":"positive","sentiment_score":0.3388272367417812},{"text":"Perfect.","start":327.855,"end":328.355,"sentiment":"positive","sentiment_score":0.705637514591217},{"text":"Now, Peter, you are still a high growth investor, so we're still looking at the high growth portfolio for yourself there.","start":328.975,"end":335.23502,"sentiment":"neutral","sentiment_score":0.31089813936324345},{"text":"But as I kinda made mention, I've had a bit of a look at your investments, done a bit of looking around and seeing how things are structured for you, and I am","start":335.45502,"end":343.35,"sentiment":"neutral","sentiment_score":0.12003295236464703}],"sentiment":"neutral","sentiment_score":0.23962840805451074,"channel":0,"num_words":75,"start":320.30002,"end":343.35},{"sentences":[{"text":"Yep.","start":343.285,"end":343.785,"sentiment":"neutral","sentiment_score":0.1809956431388855}],"sentiment":"neutral","sentiment_score":0.1809956431388855,"channel":1,"num_words":1,"start":343.285,"end":343.785},{"sentences":[{"text":"making a bit of a recommendation that we make a change to these.","start":343.35,"end":346.63,"sentiment":"neutral","sentiment_score":0.17550884301845843},{"text":"So you both have been along Australian equities inside your inside your papers the last couple of years, and then along long term has been a great investment.","start":346.63,"end":356.25,"sentiment":"neutral","sentiment_score":0.15528392059994595},{"text":"But since January, it's actually been underperforming pretty significantly.","start":356.39,"end":361.205,"sentiment":"neutral","sentiment_score":-0.26153306745820576},{"text":"So","start":361.585,"end":362.085,"sentiment":"neutral","sentiment_score":-0.12313677370548248}],"sentiment":"neutral","sentiment_score":0.08142412461194337,"channel":0,"num_words":51,"start":343.35,"end":362.085},{"sentences":[{"text":"Yeah.","start":361.92,"end":362.32,"sentiment":"neutral","sentiment_score":-0.13675159215927124},{"text":"I noticed","start":362.32,"end":362.9,"sentiment":"neutral","sentiment_score":-0.1211148202419281}],"sentiment":"neutral","sentiment_score":-0.12632707754770914,"channel":1,"num_words":3,"start":361.92,"end":362.9},{"sentences":[{"text":"we went","start":362.465,"end":363.285,"sentiment":"neutral","sentiment_score":-0.13023078441619873}],"sentiment":"neutral","sentiment_score":-0.13023078441619873,"channel":0,"num_words":2,"start":362.465,"end":363.285},{"sentences":[{"text":"that.","start":362.96,"end":363.44,"sentiment":"neutral","sentiment_score":-0.15784898400306702},{"text":"Yeah.","start":363.44,"end":363.94,"sentiment":"neutral","sentiment_score":-0.10320550203323364}],"sentiment":"neutral","sentiment_score":-0.13052724301815033,"channel":1,"num_words":2,"start":362.96,"end":363.94},{"sentences":[{"text":"so we went back and we spoke to Servi and Bart and sort of said, look.","start":364.865,"end":368.305,"sentiment":"neutral","sentiment_score":-0.10862073767930269},{"text":"This isn't working.","start":368.305,"end":369.345,"sentiment":"negative","sentiment_score":-0.41615785161654156},{"text":"We need to find something else.","start":369.345,"end":371.55002,"sentiment":"negative","sentiment_score":-0.35167766610781354},{"text":"So we've done a bit of research around what to alter and to how to move that investment.","start":371.61002,"end":376.43002,"sentiment":"neutral","sentiment_score":-0.06699527758691046},{"text":"So we're gonna sell that for both of your portfolios, and we're moving the funds out of Benelong Australian equities and into the a 200, which is the second one from the bottom there, the BetaShares Australian 200.","start":377.21002,"end":389.385,"sentiment":"neutral","sentiment_score":0.12383357611925978}],"sentiment":"neutral","sentiment_score":-0.019712474795035375,"channel":0,"num_words":81,"start":364.865,"end":389.385},{"sentences":[{"text":"Now","start":389.845,"end":390.085,"sentiment":"neutral","sentiment_score":0.05190901458263397}],"sentiment":"neutral","sentiment_score":0.05190901458263397,"channel":0,"num_words":1,"start":389.845,"end":390.085},{"sentences":[{"text":"Yeah.","start":390.06,"end":390.56,"sentiment":"neutral","sentiment_score":0.050999753177165985}],"sentiment":"neutral","sentiment_score":0.050999753177165985,"channel":1,"num_words":1,"start":390.06,"end":390.56},{"sentences":[{"text":"this investment yeah.","start":390.085,"end":391.76498,"sentiment":"neutral","sentiment_score":0.024331433077653248},{"text":"Sorry.","start":391.76498,"end":392.26498,"sentiment":"neutral","sentiment_score":-0.03682630881667137}],"sentiment":"neutral","sentiment_score":0.009041997604072094,"channel":0,"num_words":4,"start":390.085,"end":392.26498},{"sentences":[{"text":"How do I get to that again, ma'am?","start":392.3,"end":394.4,"sentiment":"neutral","sentiment_score":-0.029559089452959597},{"text":"Page 20.","start":394.46,"end":395.18,"sentiment":"neutral","sentiment_score":-0.004326515598222613},{"text":"You're the best to be","start":395.18,"end":395.98,"sentiment":"neutral","sentiment_score":-0.0016233867034316062}],"sentiment":"neutral","sentiment_score":-0.01688284535581867,"channel":1,"num_words":15,"start":392.3,"end":395.98},{"sentences":[{"text":"Page","start":395.94,"end":396.44,"sentiment":"neutral","sentiment_score":-0.005431922152638435}],"sentiment":"neutral","sentiment_score":-0.005431922152638435,"channel":0,"num_words":1,"start":395.94,"end":396.44},{"sentences":[{"text":"on.","start":395.98,"end":396.48,"sentiment":"neutral","sentiment_score":0.002296709455549717}],"sentiment":"neutral","sentiment_score":0.002296709455549717,"channel":1,"num_words":1,"start":395.98,"end":396.48},{"sentences":[{"text":"20.","start":396.5,"end":397.0,"sentiment":"neutral","sentiment_score":-0.004475580994039774},{"text":"Sorry.","start":397.30002,"end":397.7,"sentiment":"neutral","sentiment_score":-0.031144708395004272},{"text":"You're right.","start":397.7,"end":398.42,"sentiment":"neutral","sentiment_score":-0.03792971186339855},{"text":"Tell me if","start":398.42,"end":398.98,"sentiment":"neutral","sentiment_score":-0.05963670959075292}],"sentiment":"neutral","sentiment_score":-0.04148426312687142,"channel":0,"num_words":7,"start":396.5,"end":398.98},{"sentences":[{"text":"Hang","start":398.865,"end":399.365,"sentiment":"neutral","sentiment_score":-0.05953244864940643}],"sentiment":"neutral","sentiment_score":-0.05953244864940643,"channel":1,"num_words":1,"start":398.865,"end":399.365},{"sentences":[{"text":"I need and it goes slower for you, Peter.","start":398.98,"end":401.32,"sentiment":"neutral","sentiment_score":-0.06818593127859963}],"sentiment":"neutral","sentiment_score":-0.06818593127859963,"channel":0,"num_words":9,"start":398.98,"end":401.32},{"sentences":[{"text":"on.","start":400.94498,"end":401.345,"sentiment":"neutral","sentiment_score":-0.02431667037308216},{"text":"Hang on.","start":401.345,"end":401.905,"sentiment":"neutral","sentiment_score":-0.016682136803865433},{"text":"20.","start":401.905,"end":402.38498,"sentiment":"neutral","sentiment_score":-0.00538397254422307},{"text":"Yep.","start":402.38498,"end":402.88498,"sentiment":"neutral","sentiment_score":-0.0004932554438710213},{"text":"Page 20.","start":402.94498,"end":403.745,"sentiment":"neutral","sentiment_score":-0.0017845488619059324}],"sentiment":"neutral","sentiment_score":-0.009589609956102712,"channel":1,"num_words":7,"start":400.94498,"end":403.745},{"sentences":[{"text":"Yeah.","start":403.46002,"end":403.96002,"sentiment":"neutral","sentiment_score":0.005616507027298212}],"sentiment":"neutral","sentiment_score":0.005616507027298212,"channel":0,"num_words":1,"start":403.46002,"end":403.96002},{"sentences":[{"text":"Yeah.","start":403.745,"end":404.245,"sentiment":"neutral","sentiment_score":0.00774448923766613}],"sentiment":"neutral","sentiment_score":0.00774448923766613,"channel":1,"num_words":1,"start":403.745,"end":404.245},{"sentences":[{"text":"That's the one.","start":404.26,"end":405.14,"sentiment":"neutral","sentiment_score":0.009887489179770151},{"text":"Yeah.","start":405.14,"end":405.64,"sentiment":"neutral","sentiment_score":0.023308556526899334},{"text":"So we're gonna sell all of the Bannalong Australian equities.","start":406.26,"end":409.38,"sentiment":"neutral","sentiment_score":0.02122625248739496},{"text":"Now Bannalong is a managed fund, and the reason it was in everyone's portfolios back in the day was that it was more of an actively managed component.","start":409.38,"end":416.95502,"sentiment":"neutral","sentiment_score":0.038658745986010344},{"text":"So the investment committee of that managed fund are supposed to be buying and selling and trying to outperform against the market.","start":417.015,"end":424.05502,"sentiment":"neutral","sentiment_score":0.03467733006585728}],"sentiment":"neutral","sentiment_score":0.03297780778120796,"channel":0,"num_words":64,"start":404.26,"end":424.05502},{"sentences":[{"text":"And as everyone sort of noticed, they have not been.","start":424.05502,"end":426.795,"sentiment":"neutral","sentiment_score":-0.14260918647050858},{"text":"We flagged it","start":427.06998,"end":427.78998,"sentiment":"neutral","sentiment_score":-0.03286248507599036}],"sentiment":"neutral","sentiment_score":-0.11728302461023514,"channel":0,"num_words":13,"start":424.05502,"end":427.78998},{"sentences":[{"text":"Yep.","start":427.685,"end":428.185,"sentiment":"neutral","sentiment_score":-0.016311969608068466}],"sentiment":"neutral","sentiment_score":-0.016311969608068466,"channel":1,"num_words":1,"start":427.685,"end":428.185},{"sentences":[{"text":"as soon as we started this year, and we're like, we have to get this out.","start":427.78998,"end":430.83,"sentiment":"neutral","sentiment_score":-0.07912380783818662},{"text":"So we've been going to doing advice to everyone to try and alter the portfolio, but making sure we're investigating what's important to you guys as per your goals.","start":430.83,"end":440.61,"sentiment":"neutral","sentiment_score":0.04885509924898888}],"sentiment":"neutral","sentiment_score":0.003351487840215365,"channel":0,"num_words":45,"start":427.78998,"end":440.61},{"sentences":[{"text":"Yeah.","start":440.86002,"end":441.1,"sentiment":"neutral","sentiment_score":0.10083065927028656},{"text":"I stayed by the longest more than 64,000.","start":441.1,"end":444.16,"sentiment":"neutral","sentiment_score":0.10859537869691849}],"sentiment":"neutral","sentiment_score":0.10773263209395939,"channel":1,"num_words":9,"start":440.86002,"end":444.16},{"sentences":[{"text":"Yeah.","start":445.195,"end":445.595,"sentiment":"neutral","sentiment_score":0.13991233706474304},{"text":"So this is actually selling it.","start":445.595,"end":447.275,"sentiment":"neutral","sentiment_score":0.17044224590063095},{"text":"So this says that you've got $64,007.46 in that Bennelong Equities investment, and we're gonna sell all of that,","start":447.275,"end":455.215,"sentiment":"neutral","sentiment_score":0.19276128395607597}],"sentiment":"neutral","sentiment_score":0.18557808490899894,"channel":0,"num_words":26,"start":445.195,"end":455.215},{"sentences":[{"text":"Yep.","start":455.655,"end":456.155,"sentiment":"neutral","sentiment_score":0.10837997496128082}],"sentiment":"neutral","sentiment_score":0.10837997496128082,"channel":1,"num_words":1,"start":455.655,"end":456.155},{"sentences":[{"text":"sell it all down.","start":455.755,"end":456.89502,"sentiment":"neutral","sentiment_score":0.10821637883782387},{"text":"Bennelong normally has about 25 to 30 different investments in it.","start":457.34998,"end":461.34998,"sentiment":"neutral","sentiment_score":0.13288072496652603},{"text":"So by moving the money into the beta shares Australian 200, you're actually tracking the top 200 companies in Australia.","start":461.34998,"end":468.65,"sentiment":"neutral","sentiment_score":0.29462613686919215},{"text":"And because Benelong","start":469.205,"end":470.185,"sentiment":"neutral","sentiment_score":0.2606167793273926}],"sentiment":"neutral","sentiment_score":0.22549806750918688,"channel":0,"num_words":38,"start":455.755,"end":470.185},{"sentences":[{"text":"Yep.","start":469.73,"end":470.23,"sentiment":"neutral","sentiment_score":0.24145612120628357}],"sentiment":"neutral","sentiment_score":0.24145612120628357,"channel":1,"num_words":1,"start":469.73,"end":470.23},{"sentences":[{"text":"only has between 20 to 30 different investments at any one particular time, moving into the a 200 gives you more diversification in your portfolio.","start":470.245,"end":478.745,"sentiment":"neutral","sentiment_score":0.33095685780048373},{"text":"So it's helping to lower the overall risk.","start":478.805,"end":481.145,"sentiment":"positive","sentiment_score":0.542518999427557},{"text":"We're diversifying across more Australian equities as well, and it's actually cheaper.","start":481.56,"end":486.44,"sentiment":"positive","sentiment_score":0.6100243926048279},{"text":"It's a passively managed fund, and it's actually cheaper than holding Benelon.","start":486.44,"end":490.22,"sentiment":"positive","sentiment_score":0.5277411043643951},{"text":"So it's gonna help in reducing your investment costs as well in your in","start":490.28,"end":494.12,"sentiment":"positive","sentiment_score":0.5096848170672145}],"sentiment":"positive","sentiment_score":0.47046263159160884,"channel":0,"num_words":71,"start":470.245,"end":494.12},{"sentences":[{"text":"Yes.","start":494.05,"end":494.44998,"sentiment":"neutral","sentiment_score":0.13089245557785034}],"sentiment":"neutral","sentiment_score":0.13089245557785034,"channel":1,"num_words":1,"start":494.05,"end":494.44998},{"sentences":[{"text":"your fund.","start":494.12,"end":494.86002,"sentiment":"neutral","sentiment_score":0.1333702653646469}],"sentiment":"neutral","sentiment_score":0.1333702653646469,"channel":0,"num_words":2,"start":494.12,"end":494.86002},{"sentences":[{"text":"Yes.","start":494.44998,"end":494.94998,"sentiment":"neutral","sentiment_score":0.12129124999046326}],"sentiment":"neutral","sentiment_score":0.12129124999046326,"channel":1,"num_words":1,"start":494.44998,"end":494.94998},{"sentences":[{"text":"Yeah.","start":495.145,"end":495.645,"sentiment":"neutral","sentiment_score":0.12329916656017303},{"text":"I did look at all the super funds.","start":496.905,"end":498.745,"sentiment":"neutral","sentiment_score":0.10749029833823442},{"text":"Netwealth is still really important to retain for the both of you for the time being.","start":498.745,"end":502.76498,"sentiment":"neutral","sentiment_score":0.15827297419309616},{"text":"I did I do look at the tax consequences of moving out.","start":503.06497,"end":506.66498,"sentiment":"neutral","sentiment_score":-0.03390156446645657},{"text":"Netwealth is still a great platform.","start":506.66498,"end":508.365,"sentiment":"positive","sentiment_score":0.42664168775081635}],"sentiment":"neutral","sentiment_score":0.13182838356425597,"channel":0,"num_words":43,"start":495.145,"end":508.365},{"sentences":[{"text":"There's no real changes in the platform that require us to move you out at the moment, so I'm retaining Netwealth.","start":508.72998,"end":514.43,"sentiment":"neutral","sentiment_score":0.014226064085960388}],"sentiment":"neutral","sentiment_score":0.014226064085960388,"channel":0,"num_words":21,"start":508.72998,"end":514.43},{"sentences":[{"text":"Yeah.","start":515.215,"end":515.715,"sentiment":"neutral","sentiment_score":0.09491142630577087}],"sentiment":"neutral","sentiment_score":0.09491142630577087,"channel":1,"num_words":1,"start":515.215,"end":515.715},{"sentences":[{"text":"The other investments, gold has performed really, really well.","start":515.93,"end":519.21,"sentiment":"neutral","sentiment_score":0.13670465929640663},{"text":"So we are keeping gold, but we are just rebalancing a little bit for you there, Peter.","start":519.21,"end":524.66504,"sentiment":"neutral","sentiment_score":0.03826384531224475},{"text":"So you have about 7.58% now.","start":524.66504,"end":527.465,"sentiment":"neutral","sentiment_score":0.03480099017421404},{"text":"I'm gonna sell down a little bit just to 7%.","start":527.465,"end":530.28503,"sentiment":"neutral","sentiment_score":-0.045850927382707594},{"text":"We're just cementing some of the gains that's received and making sure we distribute those elsewhere, keeping, you","start":530.66504,"end":536.74,"sentiment":"positive","sentiment_score":0.33470023837354446}],"sentiment":"neutral","sentiment_score":0.12759547103196384,"channel":0,"num_words":60,"start":515.93,"end":536.74},{"sentences":[{"text":"Yep.","start":536.615,"end":537.115,"sentiment":"neutral","sentiment_score":0.23038575053215027}],"sentiment":"neutral","sentiment_score":0.23038575053215027,"channel":1,"num_words":1,"start":536.615,"end":537.115},{"sentences":[{"text":"know, rebalancing your portfolio as well is really important.","start":536.74,"end":539.72003,"sentiment":"positive","sentiment_score":0.3333986716137992},{"text":"The BetaShares cybersecurity, we're gonna buy a bit more of that.","start":541.3,"end":544.58,"sentiment":"neutral","sentiment_score":0.11744367737661708},{"text":"You've got 5.51 now.","start":544.58,"end":546.26,"sentiment":"neutral","sentiment_score":0.058226104360073805},{"text":"Just need to rebalance up to 6% for you.","start":546.26,"end":549.32,"sentiment":"neutral","sentiment_score":0.032118748045629926},{"text":"The","start":549.84503,"end":550.085,"sentiment":"positive","sentiment_score":0.44263193011283875}],"sentiment":"neutral","sentiment_score":0.15461981104796424,"channel":0,"num_words":34,"start":536.74,"end":550.085},{"sentences":[{"text":"Yep.","start":549.99,"end":550.49,"sentiment":"positive","sentiment_score":0.43990811705589294}],"sentiment":"positive","sentiment_score":0.43990811705589294,"channel":1,"num_words":1,"start":549.99,"end":550.49},{"sentences":[{"text":"iShares Europe is still a great place to be giving you diversification across the entire European all the European countries there.","start":550.085,"end":558.245,"sentiment":"positive","sentiment_score":0.6056217437698728},{"text":"There's about 16","start":558.245,"end":559.125,"sentiment":"neutral","sentiment_score":0.19411933918793997}],"sentiment":"positive","sentiment_score":0.5541839431971312,"channel":0,"num_words":24,"start":550.085,"end":559.125},{"sentences":[{"text":"Yep.","start":559.11,"end":559.61,"sentiment":"neutral","sentiment_score":0.0778459757566452}],"sentiment":"neutral","sentiment_score":0.0778459757566452,"channel":1,"num_words":1,"start":559.11,"end":559.61},{"sentences":[{"text":"of them, I believe.","start":559.125,"end":560.10504,"sentiment":"neutral","sentiment_score":0.10957467928528786},{"text":"You're underweighted there, so that's gonna increase that to 9% for you.","start":560.72504,"end":564.905,"sentiment":"neutral","sentiment_score":0.10068391247962911},{"text":"We've also got here the the Misky Europe one.","start":565.55,"end":568.99,"sentiment":"neutral","sentiment_score":-0.003210045811202791},{"text":"We're gonna get rid of that completely.","start":568.99,"end":570.61,"sentiment":"neutral","sentiment_score":-0.05994131416082382},{"text":"Yep.","start":570.91,"end":571.23,"sentiment":"neutral","sentiment_score":0.03318687528371811}],"sentiment":"neutral","sentiment_score":0.037309482750115974,"channel":0,"num_words":33,"start":559.125,"end":571.23},{"sentences":[{"text":"We're gonna sell all of that down to zero.","start":571.23,"end":573.57,"sentiment":"neutral","sentiment_score":0.007031146643890275},{"text":"And then the Japanese one, we're going to just sell a bit down to bring you back to 5%","start":574.11,"end":579.11505,"sentiment":"neutral","sentiment_score":0.036093846061512044}],"sentiment":"neutral","sentiment_score":0.026752264105847905,"channel":0,"num_words":28,"start":571.23,"end":579.11505},{"sentences":[{"text":"Yeah.","start":579.1,"end":579.6,"sentiment":"neutral","sentiment_score":0.08209101855754852}],"sentiment":"neutral","sentiment_score":0.08209101855754852,"channel":1,"num_words":1,"start":579.1,"end":579.6},{"sentences":[{"text":"there.","start":579.11505,"end":579.515,"sentiment":"neutral","sentiment_score":0.07413318753242493},{"text":"Japan is still really important.","start":579.515,"end":581.11505,"sentiment":"neutral","sentiment_score":0.1315165638923645}],"sentiment":"neutral","sentiment_score":0.12195266783237457,"channel":0,"num_words":6,"start":579.11505,"end":581.11505},{"sentences":[{"text":"I think","start":580.94,"end":581.6,"sentiment":"neutral","sentiment_score":0.22861956804990768}],"sentiment":"neutral","sentiment_score":0.22861956804990768,"channel":1,"num_words":2,"start":580.94,"end":581.6},{"sentences":[{"text":"It's been really great.","start":581.11505,"end":582.49506,"sentiment":"positive","sentiment_score":0.41415321081876755},{"text":"Yeah.","start":582.715,"end":583.215,"sentiment":"neutral","sentiment_score":0.01266869530081749}],"sentiment":"positive","sentiment_score":0.33385630771517755,"channel":0,"num_words":5,"start":581.11505,"end":583.215},{"sentences":[{"text":"I think it's already gone.","start":582.86,"end":584.14,"sentiment":"neutral","sentiment_score":-0.13596542179584503},{"text":"Yeah.","start":584.14,"end":584.38,"sentiment":"neutral","sentiment_score":-0.0715126246213913},{"text":"It's got a dim red,","start":584.38,"end":585.68,"sentiment":"neutral","sentiment_score":-0.09348040521144867}],"sentiment":"neutral","sentiment_score":-0.1107947054234418,"channel":1,"num_words":11,"start":582.86,"end":585.68},{"sentences":[{"text":"Yeah.","start":586.23505,"end":586.73505,"sentiment":"neutral","sentiment_score":-0.06076874956488609}],"sentiment":"neutral","sentiment_score":-0.06076874956488609,"channel":0,"num_words":1,"start":586.23505,"end":586.73505},{"sentences":[{"text":"but it's all","start":586.38,"end":587.1,"sentiment":"neutral","sentiment_score":-0.05607170611619949}],"sentiment":"neutral","sentiment_score":-0.05607170611619949,"channel":1,"num_words":3,"start":586.38,"end":587.1},{"sentences":[{"text":"So","start":586.875,"end":587.195,"sentiment":"neutral","sentiment_score":-0.03811749070882797}],"sentiment":"neutral","sentiment_score":-0.03811749070882797,"channel":0,"num_words":1,"start":586.875,"end":587.195},{"sentences":[{"text":"solved.","start":587.1,"end":587.5,"sentiment":"neutral","sentiment_score":-0.05225194990634918}],"sentiment":"neutral","sentiment_score":-0.05225194990634918,"channel":1,"num_words":1,"start":587.1,"end":587.5},{"sentences":[{"text":"that","start":587.195,"end":587.695,"sentiment":"neutral","sentiment_score":-0.02832808904349804}],"sentiment":"neutral","sentiment_score":-0.02832808904349804,"channel":0,"num_words":1,"start":587.195,"end":587.695},{"sentences":[{"text":"Yeah.","start":587.5,"end":588.0,"sentiment":"neutral","sentiment_score":-0.018903687596321102}],"sentiment":"neutral","sentiment_score":-0.018903687596321102,"channel":1,"num_words":1,"start":587.5,"end":588.0},{"sentences":[{"text":"yeah.","start":588.79504,"end":589.03503,"sentiment":"neutral","sentiment_score":-0.01077127642929554},{"text":"Well, these haven't been sold yet.","start":589.03503,"end":590.955,"sentiment":"neutral","sentiment_score":-0.11041757961114247},{"text":"This is what we're going to do if you sign the advice.","start":590.955,"end":593.695,"sentiment":"neutral","sentiment_score":-0.02408009363959233}],"sentiment":"neutral","sentiment_score":-0.05064409883006623,"channel":0,"num_words":19,"start":588.79504,"end":593.695},{"sentences":[{"text":"Alright.","start":593.205,"end":593.705,"sentiment":"neutral","sentiment_score":0.006853861268609762}],"sentiment":"neutral","sentiment_score":0.006853861268609762,"channel":1,"num_words":1,"start":593.205,"end":593.705},{"sentences":[{"text":"So we haven't quite","start":593.755,"end":595.27,"sentiment":"neutral","sentiment_score":-0.025583130307495594}],"sentiment":"neutral","sentiment_score":-0.025583130307495594,"channel":0,"num_words":4,"start":593.755,"end":595.27},{"sentences":[{"text":"Yep.","start":594.965,"end":595.465,"sentiment":"neutral","sentiment_score":-0.03342389687895775}],"sentiment":"neutral","sentiment_score":-0.03342389687895775,"channel":1,"num_words":1,"start":594.965,"end":595.465},{"sentences":[{"text":"done that as of yet.","start":595.33,"end":596.61005,"sentiment":"neutral","sentiment_score":-0.03921144679188728},{"text":"Yeah.","start":596.61005,"end":597.09,"sentiment":"neutral","sentiment_score":0.027714215219020844},{"text":"I I promise never to sell anything until you tell me it's okay to do so.","start":597.09,"end":601.51,"sentiment":"neutral","sentiment_score":-0.014771648566238582}],"sentiment":"neutral","sentiment_score":-0.018394972536374222,"channel":0,"num_words":22,"start":595.33,"end":601.51},{"sentences":[{"text":"Yeah.","start":601.445,"end":601.765,"sentiment":"neutral","sentiment_score":-0.015049897134304048},{"text":"Because I kept looking at me net me so far and thinking, I could never retire off this.","start":601.765,"end":607.63995,"sentiment":"neutral","sentiment_score":-0.13069288887911373}],"sentiment":"neutral","sentiment_score":-0.1246064156293869,"channel":1,"num_words":19,"start":601.445,"end":607.63995},{"sentences":[{"text":"Yeah.","start":608.14496,"end":608.64496,"sentiment":"neutral","sentiment_score":-0.017110677435994148},{"text":"No.","start":608.70496,"end":608.94495,"sentiment":"neutral","sentiment_score":-0.056409381330013275},{"text":"No.","start":608.94495,"end":609.26495,"sentiment":"neutral","sentiment_score":-0.05505135655403137},{"text":"We needed","start":609.26495,"end":609.745,"sentiment":"neutral","sentiment_score":-0.057044364511966705}],"sentiment":"neutral","sentiment_score":-0.048532028868794444,"channel":0,"num_words":5,"start":608.14496,"end":609.745},{"sentences":[{"text":"But anyway","start":609.45996,"end":609.93994,"sentiment":"neutral","sentiment_score":-0.03737667202949524}],"sentiment":"neutral","sentiment_score":-0.03737667202949524,"channel":1,"num_words":2,"start":609.45996,"end":609.93994},{"sentences":[{"text":"to make some changes, and I wanted to make sure this happened for you.","start":609.745,"end":613.105,"sentiment":"neutral","sentiment_score":0.047295239354882924},{"text":"So when we came back and saw what was going on, I wanted to make sure we updated this advice for you","start":613.105,"end":618.88495,"sentiment":"neutral","sentiment_score":0.04959829473360018}],"sentiment":"neutral","sentiment_score":0.04870266208632125,"channel":0,"num_words":36,"start":609.745,"end":618.88495},{"sentences":[{"text":"Yeah.","start":618.5,"end":619.0,"sentiment":"neutral","sentiment_score":0.0874728411436081}],"sentiment":"neutral","sentiment_score":0.0874728411436081,"channel":1,"num_words":1,"start":618.5,"end":619.0},{"sentences":[{"text":"and show you what you know, make sure that things are working harder for you moving forward as well.","start":619.41,"end":623.91,"sentiment":"neutral","sentiment_score":0.10972850946219344},{"text":"Yeah.","start":623.97,"end":624.47,"sentiment":"neutral","sentiment_score":-0.003837011754512787}],"sentiment":"neutral","sentiment_score":0.10405023340135813,"channel":0,"num_words":20,"start":619.41,"end":624.47},{"sentences":[{"text":"So if I if I figure out what I should have been paid in super off of my employers,","start":624.125,"end":630.945,"sentiment":"neutral","sentiment_score":-0.06446689818250506}],"sentiment":"neutral","sentiment_score":-0.06446689818250506,"channel":1,"num_words":19,"start":624.125,"end":630.945},{"sentences":[{"text":"Mhmm.","start":631.81,"end":632.31,"sentiment":"neutral","sentiment_score":-0.011216405779123306}],"sentiment":"neutral","sentiment_score":-0.011216405779123306,"channel":0,"num_words":1,"start":631.81,"end":632.31},{"sentences":[{"text":"Are you able to have a look to see if it has been all been paid?","start":632.37,"end":636.14996,"sentiment":"neutral","sentiment_score":-0.017836412182077765}],"sentiment":"neutral","sentiment_score":-0.017836412182077765,"channel":1,"num_words":16,"start":632.37,"end":636.14996},{"sentences":[{"text":"Yeah.","start":636.78503,"end":637.10504,"sentiment":"neutral","sentiment_score":0.014077932573854923},{"text":"Yeah.","start":637.10504,"end":637.42505,"sentiment":"neutral","sentiment_score":0.044264793395996094},{"text":"Absolutely.","start":637.42505,"end":637.92505,"sentiment":"neutral","sentiment_score":0.0898163914680481},{"text":"Yep.","start":638.705,"end":639.185,"sentiment":"neutral","sentiment_score":0.06567201018333435},{"text":"Definitely.","start":639.185,"end":639.685,"sentiment":"neutral","sentiment_score":0.07339809834957123}],"sentiment":"neutral","sentiment_score":0.05744584519416094,"channel":0,"num_words":5,"start":636.78503,"end":639.685},{"sentences":[{"text":"Yeah.","start":639.25,"end":639.64996,"sentiment":"neutral","sentiment_score":-0.008765436708927155},{"text":"Because I've I've I've every time I go on a Netwealth, I can't see it all being paid.","start":639.64996,"end":646.31,"sentiment":"neutral","sentiment_score":-0.11128364213638836}],"sentiment":"neutral","sentiment_score":-0.1058879471138904,"channel":1,"num_words":19,"start":639.25,"end":646.31},{"sentences":[{"text":"Okay.","start":647.26,"end":647.76,"sentiment":"neutral","sentiment_score":0.026810135692358017}],"sentiment":"neutral","sentiment_score":0.026810135692358017,"channel":0,"num_words":1,"start":647.26,"end":647.76},{"sentences":[{"text":"So","start":648.635,"end":648.955,"sentiment":"neutral","sentiment_score":0.03118416666984558}],"sentiment":"neutral","sentiment_score":0.03118416666984558,"channel":1,"num_words":1,"start":648.635,"end":648.955},{"sentences":[{"text":"Interesting.","start":648.94,"end":649.44,"sentiment":"neutral","sentiment_score":0.03094881772994995}],"sentiment":"neutral","sentiment_score":0.03094881772994995,"channel":0,"num_words":1,"start":648.94,"end":649.44},{"sentences":[{"text":"over the last year, I'm gonna go through it, and I'll I'll do","start":648.955,"end":651.915,"sentiment":"neutral","sentiment_score":0.026876592005674656}],"sentiment":"neutral","sentiment_score":0.026876592005674656,"channel":1,"num_words":13,"start":648.955,"end":651.915},{"sentences":[{"text":"Mhmm.","start":651.9,"end":652.4,"sentiment":"neutral","sentiment_score":0.03410811722278595}],"sentiment":"neutral","sentiment_score":0.03410811722278595,"channel":0,"num_words":1,"start":651.9,"end":652.4},{"sentences":[{"text":"up a list.","start":651.915,"end":652.555,"sentiment":"neutral","sentiment_score":0.01937124226242304},{"text":"And even if I email it to you and just see if","start":652.555,"end":654.795,"sentiment":"neutral","sentiment_score":0.026301039305205148}],"sentiment":"neutral","sentiment_score":0.024915079896648724,"channel":1,"num_words":15,"start":651.915,"end":654.795},{"sentences":[{"text":"Yes.","start":654.78,"end":655.28,"sentiment":"neutral","sentiment_score":0.03851570934057236}],"sentiment":"neutral","sentiment_score":0.03851570934057236,"channel":0,"num_words":1,"start":654.78,"end":655.28},{"sentences":[{"text":"it's all been paid,","start":654.795,"end":655.935,"sentiment":"neutral","sentiment_score":0.06463517248630524}],"sentiment":"neutral","sentiment_score":0.06463517248630524,"channel":1,"num_words":4,"start":654.795,"end":655.935},{"sentences":[{"text":"Yeah.","start":656.38,"end":656.7,"sentiment":"neutral","sentiment_score":0.24956002831459043},{"text":"Absolutely.","start":656.7,"end":657.2,"sentiment":"positive","sentiment_score":0.5554792881011963}],"sentiment":"positive","sentiment_score":0.40251965820789337,"channel":0,"num_words":2,"start":656.38,"end":657.2},{"sentences":[{"text":"because I've got I've still got I've still got every time sheet.","start":656.71497,"end":659.995,"sentiment":"positive","sentiment_score":0.36909639338652295},{"text":"So","start":659.995,"end":660.495,"sentiment":"neutral","sentiment_score":0.23262132704257965}],"sentiment":"positive","sentiment_score":0.35859831136006576,"channel":1,"num_words":13,"start":656.71497,"end":660.495},{"sentences":[{"text":"Yep.","start":660.935,"end":661.435,"sentiment":"positive","sentiment_score":0.3489943742752075},{"text":"Perfect.","start":661.495,"end":661.975,"sentiment":"positive","sentiment_score":0.6611884832382202},{"text":"Yeah.","start":661.975,"end":662.13495,"sentiment":"neutral","sentiment_score":0.31763648986816406},{"text":"If you can let me know how much you should have been paid, I can go through and have a look at all the transactions from the day we opened Netwealth, and I can","start":662.13495,"end":669.735,"sentiment":"neutral","sentiment_score":0.19249506207073436}],"sentiment":"neutral","sentiment_score":0.21277436372396108,"channel":0,"num_words":37,"start":660.935,"end":669.735},{"sentences":[{"text":"yep.","start":669.67,"end":670.17,"sentiment":"neutral","sentiment_score":0.1745501160621643}],"sentiment":"neutral","sentiment_score":0.1745501160621643,"channel":1,"num_words":1,"start":669.67,"end":670.17},{"sentences":[{"text":"let you know what you what you've gotten, what you might be missing, and","start":669.735,"end":673.435,"sentiment":"neutral","sentiment_score":0.1287895826888936}],"sentiment":"neutral","sentiment_score":0.1287895826888936,"channel":0,"num_words":14,"start":669.735,"end":673.435},{"sentences":[{"text":"Yeah.","start":673.50995,"end":674.00995,"sentiment":"neutral","sentiment_score":0.16320890188217163}],"sentiment":"neutral","sentiment_score":0.16320890188217163,"channel":1,"num_words":1,"start":673.50995,"end":674.00995},{"sentences":[{"text":"kinda marry it all up for you.","start":673.58,"end":675.1,"sentiment":"neutral","sentiment_score":0.2607742931161608},{"text":"Absolutely.","start":675.1,"end":675.6,"sentiment":"neutral","sentiment_score":0.22061258554458615},{"text":"Yeah.","start":676.06,"end":676.56,"sentiment":"neutral","sentiment_score":0.08101094514131546}],"sentiment":"neutral","sentiment_score":0.23633817583322525,"channel":0,"num_words":9,"start":673.58,"end":676.56},{"sentences":[{"text":"Yeah.","start":676.325,"end":676.645,"sentiment":"neutral","sentiment_score":0.048451658338308334},{"text":"No.","start":676.645,"end":676.805,"sentiment":"neutral","sentiment_score":-0.003523770719766617},{"text":"That's alright.","start":676.805,"end":677.60504,"sentiment":"neutral","sentiment_score":0.04275023750960827},{"text":"Yeah.","start":677.60504,"end":678.10504,"sentiment":"neutral","sentiment_score":0.11260540783405304}],"sentiment":"neutral","sentiment_score":0.048606754094362256,"channel":1,"num_words":5,"start":676.325,"end":678.10504},{"sentences":[{"text":"Yeah.","start":678.14,"end":678.54,"sentiment":"neutral","sentiment_score":0.20608708262443545},{"text":"Perfect.","start":678.54,"end":679.04,"sentiment":"positive","sentiment_score":0.4849680066108704}],"sentiment":"positive","sentiment_score":0.34552754461765295,"channel":0,"num_words":2,"start":678.14,"end":679.04},{"sentences":[{"text":"Because because","start":678.645,"end":679.36505,"sentiment":"neutral","sentiment_score":0.25065871328115463}],"sentiment":"neutral","sentiment_score":0.25065871328115463,"channel":1,"num_words":2,"start":678.645,"end":679.36505},{"sentences":[{"text":"All","start":679.26,"end":679.58,"sentiment":"positive","sentiment_score":0.42756402492523193}],"sentiment":"positive","sentiment_score":0.42756402492523193,"channel":0,"num_words":1,"start":679.26,"end":679.58},{"sentences":[{"text":"out","start":679.36505,"end":679.60504,"sentiment":"positive","sentiment_score":0.4392577409744262}],"sentiment":"positive","sentiment_score":0.4392577409744262,"channel":1,"num_words":1,"start":679.36505,"end":679.60504},{"sentences":[{"text":"good.","start":679.58,"end":680.08,"sentiment":"positive","sentiment_score":0.40350374579429626}],"sentiment":"positive","sentiment_score":0.40350374579429626,"channel":0,"num_words":1,"start":679.58,"end":680.08},{"sentences":[{"text":"of all the the twelve months, I kept watching me super go down.","start":679.60504,"end":683.84503,"sentiment":"neutral","sentiment_score":-0.1340121363218014},{"text":"And I thought, how could that be when Because it's been the market.","start":683.84503,"end":687.22504,"sentiment":"neutral","sentiment_score":-0.08731939156468098},{"text":"Yeah.","start":687.41003,"end":687.73004,"sentiment":"neutral","sentiment_score":-0.0042502544820308685},{"text":"It's","start":687.73004,"end":688.05005,"sentiment":"neutral","sentiment_score":-0.009457043372094631}],"sentiment":"neutral","sentiment_score":-0.10325061287065702,"channel":1,"num_words":28,"start":679.60504,"end":688.05005},{"sentences":[{"text":"Yes.","start":688.225,"end":688.725,"sentiment":"neutral","sentiment_score":0.008173532783985138}],"sentiment":"neutral","sentiment_score":0.008173532783985138,"channel":0,"num_words":1,"start":688.225,"end":688.725},{"sentences":[{"text":"yeah.","start":688.37,"end":688.53,"sentiment":"neutral","sentiment_score":-0.008913010358810425},{"text":"No.","start":688.53,"end":688.77,"sentiment":"neutral","sentiment_score":-0.11273671686649324},{"text":"I know.","start":688.77,"end":689.49,"sentiment":"neutral","sentiment_score":-0.09562645480036736},{"text":"But then I think, well, a thousand dollars got paid this week this this week.","start":689.49,"end":694.63,"sentiment":"neutral","sentiment_score":-0.05675335104266802},{"text":"So how can I go down that much?","start":694.69,"end":696.85004,"sentiment":"neutral","sentiment_score":-0.11847646161913872}],"sentiment":"neutral","sentiment_score":-0.07822276279330254,"channel":1,"num_words":27,"start":688.37,"end":696.85004},{"sentences":[{"text":"Because it's a market.","start":696.85004,"end":697.73004,"sentiment":"neutral","sentiment_score":-0.07516955956816673},{"text":"Yeah.","start":697.73004,"end":697.97003,"sentiment":"neutral","sentiment_score":-0.014848317950963974},{"text":"It is the market.","start":697.97003,"end":698.85004,"sentiment":"neutral","sentiment_score":-0.03287038952112198},{"text":"I understand","start":698.85004,"end":699.51,"sentiment":"neutral","sentiment_score":-0.03187544085085392}],"sentiment":"neutral","sentiment_score":-0.04643263600089333,"channel":1,"num_words":11,"start":696.85004,"end":699.51},{"sentences":[{"text":"It is.","start":699.36,"end":700.02,"sentiment":"neutral","sentiment_score":-0.03340763133019209}],"sentiment":"neutral","sentiment_score":-0.03340763133019209,"channel":0,"num_words":2,"start":699.36,"end":700.02},{"sentences":[{"text":"that.","start":699.65,"end":700.15,"sentiment":"neutral","sentiment_score":-0.038544684648513794},{"text":"But When","start":700.37,"end":700.69,"sentiment":"neutral","sentiment_score":-0.03061129804700613}],"sentiment":"neutral","sentiment_score":-0.03325576024750868,"channel":1,"num_words":3,"start":699.65,"end":700.69},{"sentences":[{"text":"Yeah.","start":700.64,"end":701.04,"sentiment":"neutral","sentiment_score":-0.03329784795641899}],"sentiment":"neutral","sentiment_score":-0.03329784795641899,"channel":0,"num_words":1,"start":700.64,"end":701.04},{"sentences":[{"text":"the war","start":700.69,"end":701.17004,"sentiment":"neutral","sentiment_score":-0.06273957341909409}],"sentiment":"neutral","sentiment_score":-0.06273957341909409,"channel":1,"num_words":2,"start":700.69,"end":701.17004},{"sentences":[{"text":"Yeah.","start":701.04,"end":701.54,"sentiment":"neutral","sentiment_score":-0.04353945702314377}],"sentiment":"neutral","sentiment_score":-0.04353945702314377,"channel":0,"num_words":1,"start":701.04,"end":701.54},{"sentences":[{"text":"when the war broke out.","start":701.17004,"end":702.615,"sentiment":"neutral","sentiment_score":-0.07988021597266197}],"sentiment":"neutral","sentiment_score":-0.07988021597266197,"channel":1,"num_words":5,"start":701.17004,"end":702.615},{"sentences":[{"text":"Yeah.","start":703.92,"end":704.4,"sentiment":"neutral","sentiment_score":-0.013463584706187248}],"sentiment":"neutral","sentiment_score":-0.013463584706187248,"channel":0,"num_words":1,"start":703.92,"end":704.4},{"sentences":[{"text":"Alright.","start":704.295,"end":704.795,"sentiment":"neutral","sentiment_score":0.009606562554836271}],"sentiment":"neutral","sentiment_score":0.009606562554836271,"channel":1,"num_words":1,"start":704.295,"end":704.795},{"sentences":[{"text":"We can bank transfer that one.","start":704.4,"end":706.18,"sentiment":"neutral","sentiment_score":-0.006302182252208392}],"sentiment":"neutral","sentiment_score":-0.006302182252208392,"channel":0,"num_words":6,"start":704.4,"end":706.18},{"sentences":[{"text":"Oh, no.","start":706.375,"end":706.695,"sentiment":"neutral","sentiment_score":-0.07525199837982655},{"text":"No.","start":706.695,"end":706.77496,"sentiment":"neutral","sentiment_score":-0.09428369253873824},{"text":"Yep.","start":706.77496,"end":707.27496,"sentiment":"neutral","sentiment_score":-0.05602021515369415}],"sentiment":"neutral","sentiment_score":-0.07520197611302137,"channel":1,"num_words":4,"start":706.375,"end":707.27496},{"sentences":[{"text":"Yeah.","start":708.32,"end":708.64,"sentiment":"neutral","sentiment_score":-0.04881126806139946}],"sentiment":"neutral","sentiment_score":-0.04881126806139946,"channel":0,"num_words":1,"start":708.32,"end":708.64},{"sentences":[{"text":"Mister","start":708.375,"end":708.77496,"sentiment":"neutral","sentiment_score":-0.09340053796768188}],"sentiment":"neutral","sentiment_score":-0.09340053796768188,"channel":1,"num_words":1,"start":708.375,"end":708.77496},{"sentences":[{"text":"No.","start":708.64,"end":708.96,"sentiment":"neutral","sentiment_score":-0.16742169857025146}],"sentiment":"neutral","sentiment_score":-0.16742169857025146,"channel":0,"num_words":1,"start":708.64,"end":708.96},{"sentences":[{"text":"freaking","start":708.77496,"end":709.175,"sentiment":"neutral","sentiment_score":-0.18388915061950684}],"sentiment":"neutral","sentiment_score":-0.18388915061950684,"channel":1,"num_words":1,"start":708.77496,"end":709.175},{"sentences":[{"text":"It","start":708.96,"end":709.46,"sentiment":"neutral","sentiment_score":-0.18183687329292297}],"sentiment":"neutral","sentiment_score":-0.18183687329292297,"channel":0,"num_words":1,"start":708.96,"end":709.46},{"sentences":[{"text":"Trump, and he's","start":709.175,"end":710.295,"sentiment":"neutral","sentiment_score":-0.13499989857276282}],"sentiment":"neutral","sentiment_score":-0.13499989857276282,"channel":1,"num_words":3,"start":709.175,"end":710.295},{"sentences":[{"text":"it","start":710.16,"end":710.32,"sentiment":"neutral","sentiment_score":-0.0784311443567276}],"sentiment":"neutral","sentiment_score":-0.0784311443567276,"channel":0,"num_words":1,"start":710.16,"end":710.32},{"sentences":[{"text":"right","start":710.295,"end":710.615,"sentiment":"neutral","sentiment_score":-0.046961285173892975}],"sentiment":"neutral","sentiment_score":-0.046961285173892975,"channel":1,"num_words":1,"start":710.295,"end":710.615},{"sentences":[{"text":"has been","start":710.32,"end":710.64,"sentiment":"neutral","sentiment_score":-0.09932075813412666}],"sentiment":"neutral","sentiment_score":-0.09932075813412666,"channel":0,"num_words":2,"start":710.32,"end":710.64},{"sentences":[{"text":"our deal.","start":710.615,"end":711.27496,"sentiment":"neutral","sentiment_score":-0.13049955666065216}],"sentiment":"neutral","sentiment_score":-0.13049955666065216,"channel":1,"num_words":2,"start":710.615,"end":711.27496},{"sentences":[{"text":"yeah, no.","start":711.77496,"end":712.175,"sentiment":"neutral","sentiment_score":-0.18128105998039246},{"text":"It has been very, very up and down.","start":712.175,"end":714.015,"sentiment":"neutral","sentiment_score":-0.316190242767334},{"text":"It's a little bit scary that one man has can do so little and or make one tweet and most and people start to sell and freak out about what's happening in the markets","start":714.015,"end":724.735,"sentiment":"neutral","sentiment_score":-0.2839781317640753}],"sentiment":"neutral","sentiment_score":-0.28516683050177316,"channel":0,"num_words":44,"start":711.77496,"end":724.735},{"sentences":[{"text":"Yeah.","start":724.45,"end":724.85004,"sentiment":"neutral","sentiment_score":-0.1211136132478714}],"sentiment":"neutral","sentiment_score":-0.1211136132478714,"channel":1,"num_words":1,"start":724.45,"end":724.85004},{"sentences":[{"text":"there.","start":724.735,"end":724.975,"sentiment":"neutral","sentiment_score":-0.1312897950410843}],"sentiment":"neutral","sentiment_score":-0.1312897950410843,"channel":0,"num_words":1,"start":724.735,"end":724.975},{"sentences":[{"text":"Terrible.","start":724.85004,"end":725.35004,"sentiment":"neutral","sentiment_score":-0.1601186841726303}],"sentiment":"neutral","sentiment_score":-0.1601186841726303,"channel":1,"num_words":1,"start":724.85004,"end":725.35004},{"sentences":[{"text":"So it's","start":724.975,"end":725.695,"sentiment":"neutral","sentiment_score":-0.03114219754934311}],"sentiment":"neutral","sentiment_score":-0.03114219754934311,"channel":0,"num_words":2,"start":724.975,"end":725.695},{"sentences":[{"text":"What","start":725.57,"end":725.81,"sentiment":"neutral","sentiment_score":-0.06827697157859802}],"sentiment":"neutral","sentiment_score":-0.06827697157859802,"channel":1,"num_words":1,"start":725.57,"end":725.81},{"sentences":[{"text":"a","start":725.695,"end":725.855,"sentiment":"neutral","sentiment_score":-0.09300580620765686}],"sentiment":"neutral","sentiment_score":-0.09300580620765686,"channel":0,"num_words":1,"start":725.695,"end":725.855},{"sentences":[{"text":"what","start":725.81,"end":726.05,"sentiment":"neutral","sentiment_score":-0.10093612223863602}],"sentiment":"neutral","sentiment_score":-0.10093612223863602,"channel":1,"num_words":1,"start":725.81,"end":726.05},{"sentences":[{"text":"little","start":725.855,"end":726.095,"sentiment":"neutral","sentiment_score":-0.13438066840171814}],"sentiment":"neutral","sentiment_score":-0.13438066840171814,"channel":0,"num_words":1,"start":725.855,"end":726.095},{"sentences":[{"text":"got","start":726.05,"end":726.29,"sentiment":"neutral","sentiment_score":-0.13619349896907806}],"sentiment":"neutral","sentiment_score":-0.13619349896907806,"channel":1,"num_words":1,"start":726.05,"end":726.29},{"sentences":[{"text":"bit","start":726.095,"end":726.33496,"sentiment":"neutral","sentiment_score":-0.1327715814113617}],"sentiment":"neutral","sentiment_score":-0.1327715814113617,"channel":0,"num_words":1,"start":726.095,"end":726.33496},{"sentences":[{"text":"me,","start":726.29,"end":726.53,"sentiment":"neutral","sentiment_score":-0.1530601680278778}],"sentiment":"neutral","sentiment_score":-0.1530601680278778,"channel":1,"num_words":1,"start":726.29,"end":726.53},{"sentences":[{"text":"scary.","start":726.33496,"end":726.83496,"sentiment":"neutral","sentiment_score":-0.14069172739982605}],"sentiment":"neutral","sentiment_score":-0.14069172739982605,"channel":0,"num_words":1,"start":726.33496,"end":726.83496},{"sentences":[{"text":"Diana, was the day before the war started, no one even knew the war gonna start.","start":726.53,"end":732.485,"sentiment":"neutral","sentiment_score":-0.12297948356717825},{"text":"His son bought","start":732.485,"end":733.445,"sentiment":"neutral","sentiment_score":-0.04015447571873665}],"sentiment":"neutral","sentiment_score":-0.10990185074900326,"channel":1,"num_words":19,"start":726.53,"end":733.445},{"sentences":[{"text":"No.","start":733.42,"end":733.92,"sentiment":"neutral","sentiment_score":-0.027937278151512143}],"sentiment":"neutral","sentiment_score":-0.027937278151512143,"channel":0,"num_words":1,"start":733.42,"end":733.92},{"sentences":[{"text":"30,000,000 shares in oil.","start":733.445,"end":735.305,"sentiment":"neutral","sentiment_score":-0.018329768907278776}],"sentiment":"neutral","sentiment_score":-0.018329768907278776,"channel":1,"num_words":4,"start":733.445,"end":735.305},{"sentences":[{"text":"Yes.","start":735.66,"end":736.16,"sentiment":"neutral","sentiment_score":0.02992374822497368},{"text":"I know.","start":736.3,"end":736.7,"sentiment":"neutral","sentiment_score":0.012030316516757011},{"text":"We saw that.","start":736.7,"end":737.34,"sentiment":"neutral","sentiment_score":0.02267466423412164},{"text":"We were like, woah.","start":737.34,"end":738.22,"sentiment":"neutral","sentiment_score":0.07195005379617214},{"text":"That was a clever move.","start":738.22,"end":739.68,"sentiment":"neutral","sentiment_score":0.3258054077625275}],"sentiment":"neutral","sentiment_score":0.1359223751972119,"channel":0,"num_words":15,"start":735.66,"end":739.68},{"sentences":[{"text":"Jeez.","start":740.06,"end":740.56,"sentiment":"neutral","sentiment_score":0.029164984822273254}],"sentiment":"neutral","sentiment_score":0.029164984822273254,"channel":0,"num_words":1,"start":740.06,"end":740.56},{"sentences":[{"text":"Yeah.","start":740.165,"end":740.485,"sentiment":"neutral","sentiment_score":-0.00394229032099247},{"text":"But I reckon he was tipped off.","start":740.485,"end":742.245,"sentiment":"neutral","sentiment_score":-0.10219781420060567},{"text":"Of course.","start":742.245,"end":742.565,"sentiment":"neutral","sentiment_score":-0.03971831686794758},{"text":"He was tipped","start":742.565,"end":743.125,"sentiment":"neutral","sentiment_score":-0.04823693757255872}],"sentiment":"neutral","sentiment_score":-0.07257495662913872,"channel":1,"num_words":13,"start":740.165,"end":743.125},{"sentences":[{"text":"Oh, absolutely.","start":742.835,"end":743.495,"sentiment":"neutral","sentiment_score":-0.048874035477638245}],"sentiment":"neutral","sentiment_score":-0.048874035477638245,"channel":0,"num_words":2,"start":742.835,"end":743.495},{"sentences":[{"text":"off.","start":743.125,"end":743.625,"sentiment":"neutral","sentiment_score":-0.06556538492441177}],"sentiment":"neutral","sentiment_score":-0.06556538492441177,"channel":1,"num_words":1,"start":743.125,"end":743.625},{"sentences":[{"text":"There's another thing I've noticed as well because I've been doing a lot of research for clients around the oil side of things.","start":744.35504,"end":750.115,"sentiment":"neutral","sentiment_score":0.031053107960716538},{"text":"But when you look at, like, where a lot of the ships are coming from at the moment, a lot of them are coming from The US.","start":750.115,"end":756.53503,"sentiment":"neutral","sentiment_score":-0.008241050807690178}],"sentiment":"neutral","sentiment_score":0.009834262225776911,"channel":0,"num_words":50,"start":744.35504,"end":756.53503},{"sentences":[{"text":"Yeah.","start":757.02,"end":757.52,"sentiment":"neutral","sentiment_score":0.03278403729200363}],"sentiment":"neutral","sentiment_score":0.03278403729200363,"channel":1,"num_words":1,"start":757.02,"end":757.52},{"sentences":[{"text":"So it's kind of a little bit clever.","start":758.29,"end":761.02997,"sentiment":"neutral","sentiment_score":0.027121722232550383},{"text":"It's annoying, but very clever that, you know, this has happened, and where do we have to go to buy oil?","start":761.17,"end":766.94995,"sentiment":"neutral","sentiment_score":-0.016984366412673677}],"sentiment":"neutral","sentiment_score":-0.004817169545025661,"channel":0,"num_words":29,"start":758.29,"end":766.94995},{"sentences":[{"text":"Yeah.","start":766.905,"end":767.385,"sentiment":"neutral","sentiment_score":0.03936922922730446}],"sentiment":"neutral","sentiment_score":0.03936922922730446,"channel":1,"num_words":1,"start":766.905,"end":767.385},{"sentences":[{"text":"The US.","start":767.00995,"end":767.75,"sentiment":"neutral","sentiment_score":0.0280381478369236}],"sentiment":"neutral","sentiment_score":0.0280381478369236,"channel":0,"num_words":2,"start":767.00995,"end":767.75},{"sentences":[{"text":"Yeah.","start":767.385,"end":767.625,"sentiment":"neutral","sentiment_score":0.08333691954612732},{"text":"Of course.","start":767.625,"end":768.28503,"sentiment":"neutral","sentiment_score":0.13977446034550667},{"text":"He's created he's created a fantastic market for for the","start":768.34503,"end":772.585,"sentiment":"positive","sentiment_score":0.3474980130791664}],"sentiment":"neutral","sentiment_score":0.29522045930990803,"channel":1,"num_words":13,"start":767.385,"end":772.585},{"sentences":[{"text":"Correct.","start":772.37,"end":772.87,"sentiment":"neutral","sentiment_score":0.3038191795349121}],"sentiment":"neutral","sentiment_score":0.3038191795349121,"channel":0,"num_words":1,"start":772.37,"end":772.87},{"sentences":[{"text":"mall over there.","start":772.585,"end":773.385,"sentiment":"neutral","sentiment_score":0.14828757693370184},{"text":"Just ridiculous.","start":773.385,"end":774.04504,"sentiment":"neutral","sentiment_score":0.18194083124399185}],"sentiment":"neutral","sentiment_score":0.16174887865781784,"channel":1,"num_words":5,"start":772.585,"end":774.04504},{"sentences":[{"text":"Correct.","start":774.34503,"end":774.84503,"sentiment":"neutral","sentiment_score":0.16055089235305786},{"text":"Yep.","start":775.145,"end":775.645,"sentiment":"neutral","sentiment_score":0.07717274129390717},{"text":"Yep.","start":776.025,"end":776.525,"sentiment":"neutral","sentiment_score":0.06663762778043747},{"text":"So we'll have to wait and see what happens.","start":776.66504,"end":778.685,"sentiment":"neutral","sentiment_score":-0.01698588507456912},{"text":"But, yeah, no.","start":779.305,"end":780.025,"sentiment":"neutral","sentiment_score":-0.07629196345806122}],"sentiment":"neutral","sentiment_score":-0.005159172974526882,"channel":0,"num_words":15,"start":774.34503,"end":780.025},{"sentences":[{"text":"Look.","start":780.025,"end":780.185,"sentiment":"neutral","sentiment_score":-0.08063563704490662},{"text":"Things have been very, very up and down within markets.","start":780.185,"end":783.005,"sentiment":"neutral","sentiment_score":-0.18802517652511597},{"text":"I think March was probably the biggest drop that we've seen this year so far.","start":783.145,"end":787.565,"sentiment":"neutral","sentiment_score":-0.24478046496709188},{"text":"But we have","start":787.92,"end":788.48,"sentiment":"neutral","sentiment_score":0.07321882247924805}],"sentiment":"neutral","sentiment_score":-0.18665303135740346,"channel":0,"num_words":29,"start":780.025,"end":788.48},{"sentences":[{"text":"Yep.","start":788.28,"end":788.78,"sentiment":"neutral","sentiment_score":0.15043678879737854}],"sentiment":"neutral","sentiment_score":0.15043678879737854,"channel":1,"num_words":1,"start":788.28,"end":788.78},{"sentences":[{"text":"also seen some sort of recovery from it as well.","start":788.48,"end":791.27997,"sentiment":"neutral","sentiment_score":0.20078861862421035},{"text":"So we thought while the market is moving the way it is at the moment, let's take advantage of that.","start":791.27997,"end":796.96,"sentiment":"neutral","sentiment_score":0.12641545496881007},{"text":"We'll do, you know, the investment switches for you guys now.","start":796.96,"end":800.96,"sentiment":"neutral","sentiment_score":0.21039423888379877},{"text":"That way, you know, where the gains that have been made from some of the investments will be redistributing those across.","start":800.96,"end":808.025,"sentiment":"neutral","sentiment_score":0.23409561458088102},{"text":"And then while the market is seeing some downtime, we're buying into some of those investments at a discounted rate.","start":808.025,"end":813.54504,"sentiment":"neutral","sentiment_score":0.10582789536565543}],"sentiment":"neutral","sentiment_score":0.1693060698396549,"channel":0,"num_words":82,"start":788.48,"end":813.54504},{"sentences":[{"text":"So we can take","start":813.54504,"end":814.56,"sentiment":"neutral","sentiment_score":0.29122212529182434}],"sentiment":"neutral","sentiment_score":0.29122212529182434,"channel":0,"num_words":4,"start":813.54504,"end":814.56},{"sentences":[{"text":"Yep.","start":814.45996,"end":814.95996,"sentiment":"positive","sentiment_score":0.33564791083335876}],"sentiment":"positive","sentiment_score":0.33564791083335876,"channel":1,"num_words":1,"start":814.45996,"end":814.95996},{"sentences":[{"text":"a bit of an advantage of those downtimes, and then just keep monitoring things moving forward and let you know when we need to make updates and changes for you both as well.","start":814.56,"end":824.10004,"sentiment":"neutral","sentiment_score":0.22001818093386563}],"sentiment":"neutral","sentiment_score":0.22001818093386563,"channel":0,"num_words":33,"start":814.56,"end":824.10004},{"sentences":[{"text":"Yep.","start":823.95496,"end":824.45496,"sentiment":"neutral","sentiment_score":0.05977819487452507}],"sentiment":"neutral","sentiment_score":0.05977819487452507,"channel":1,"num_words":1,"start":823.95496,"end":824.45496},{"sentences":[{"text":"Okay?","start":824.32,"end":824.82,"sentiment":"neutral","sentiment_score":0.04826878756284714}],"sentiment":"neutral","sentiment_score":0.04826878756284714,"channel":0,"num_words":1,"start":824.32,"end":824.82},{"sentences":[{"text":"Mhmm.","start":824.755,"end":825.235,"sentiment":"neutral","sentiment_score":0.031078120693564415},{"text":"Mhmm.","start":825.235,"end":825.735,"sentiment":"neutral","sentiment_score":0.050569258630275726}],"sentiment":"neutral","sentiment_score":0.04082368966192007,"channel":1,"num_words":2,"start":824.755,"end":825.735},{"sentences":[{"text":"All good.","start":826.385,"end":826.785,"sentiment":"neutral","sentiment_score":0.22234302014112473},{"text":"But I can safely tell you I have been watching it very, very closely.","start":826.785,"end":830.305,"sentiment":"neutral","sentiment_score":0.08569082378276757},{"text":"And if there was anything really scary I think we needed to get out of the market, I'd definitely let you guys know.","start":830.305,"end":835.585,"sentiment":"neutral","sentiment_score":-0.17805492521628088},{"text":"But right now, it's the biggest dips haven't been massive.","start":835.585,"end":839.185,"sentiment":"neutral","sentiment_score":-0.25746375471353533},{"text":"They're being maybe three, four, 5%, so nothing really, really scary","start":839.185,"end":843.75,"sentiment":"neutral","sentiment_score":-0.16102552007545123}],"sentiment":"neutral","sentiment_score":-0.11328039957831303,"channel":0,"num_words":60,"start":826.385,"end":843.75},{"sentences":[{"text":"Yeah.","start":843.48004,"end":843.975,"sentiment":"neutral","sentiment_score":-0.047615982592105865}],"sentiment":"neutral","sentiment_score":-0.047615982592105865,"channel":1,"num_words":1,"start":843.48004,"end":843.975},{"sentences":[{"text":"as of","start":843.75,"end":844.14996,"sentiment":"neutral","sentiment_score":-0.022523227147758007}],"sentiment":"neutral","sentiment_score":-0.022523227147758007,"channel":0,"num_words":2,"start":843.75,"end":844.14996},{"sentences":[{"text":"Mhmm.","start":843.975,"end":844.475,"sentiment":"neutral","sentiment_score":-0.013615421019494534}],"sentiment":"neutral","sentiment_score":-0.013615421019494534,"channel":1,"num_words":1,"start":843.975,"end":844.475},{"sentences":[{"text":"yet.","start":844.14996,"end":844.64996,"sentiment":"neutral","sentiment_score":-0.006386930122971535},{"text":"So yeah.","start":844.70996,"end":845.69,"sentiment":"neutral","sentiment_score":0.08701551333069801},{"text":"All good.","start":846.47,"end":847.20996,"sentiment":"neutral","sentiment_score":0.2462390661239624},{"text":"But with this one here, Peter, the only other changes are you've got some s and p","start":847.99,"end":851.75,"sentiment":"neutral","sentiment_score":0.04019856261199012}],"sentiment":"neutral","sentiment_score":0.0610680815086446,"channel":0,"num_words":22,"start":844.14996,"end":851.75},{"sentences":[{"text":"Yep.","start":851.64746,"end":852.14746,"sentiment":"neutral","sentiment_score":0.01681475155055523}],"sentiment":"neutral","sentiment_score":0.01681475155055523,"channel":1,"num_words":1,"start":851.64746,"end":852.14746},{"sentences":[{"text":"500.","start":851.75,"end":852.39,"sentiment":"neutral","sentiment_score":0.0007864476647228003},{"text":"So we're rebalancing that, keeping in that one.","start":852.39,"end":855.61,"sentiment":"neutral","sentiment_score":0.10301940329372883},{"text":"I know it is a US investment, and there are some people who are a bit skeptical about The US investments, but it is still a great place to be.","start":855.615,"end":862.415,"sentiment":"neutral","sentiment_score":0.16446790477881829},{"text":"And especially with what Trump is doing now, it's benefiting The US, so it's still good to be invested in that.","start":862.415,"end":869.31,"sentiment":"positive","sentiment_score":0.49287003420648123},{"text":"The thing I like","start":869.39,"end":870.27,"sentiment":"neutral","sentiment_score":0.23671943694353104}],"sentiment":"neutral","sentiment_score":0.2665019888045208,"channel":0,"num_words":64,"start":851.75,"end":870.27},{"sentences":[{"text":"Yep.","start":870.04,"end":870.54,"sentiment":"neutral","sentiment_score":0.18148377537727356}],"sentiment":"neutral","sentiment_score":0.18148377537727356,"channel":1,"num_words":1,"start":870.04,"end":870.54},{"sentences":[{"text":"about the S and P 500 is that it is the top 500 companies in The US, and it tracks the S and P 500 index.","start":870.27,"end":878.13,"sentiment":"neutral","sentiment_score":0.12521375658420417},{"text":"The investment committee for the index actually do meet every quarter, and they essentially assess the companies in the index.","start":878.75,"end":887.01495,"sentiment":"neutral","sentiment_score":0.10067312996834517},{"text":"So if a company isn't doesn't meet the criteria to be in the top 500, they","start":887.01495,"end":892.21497,"sentiment":"neutral","sentiment_score":-0.011732758139260113}],"sentiment":"neutral","sentiment_score":0.08195638936012983,"channel":0,"num_words":62,"start":870.27,"end":892.21497},{"sentences":[{"text":"And","start":892.14,"end":892.38,"sentiment":"neutral","sentiment_score":-0.021894250065088272}],"sentiment":"neutral","sentiment_score":-0.021894250065088272,"channel":1,"num_words":1,"start":892.14,"end":892.38},{"sentences":[{"text":"are","start":892.21497,"end":892.45496,"sentiment":"neutral","sentiment_score":-0.038427308201789856}],"sentiment":"neutral","sentiment_score":-0.038427308201789856,"channel":0,"num_words":1,"start":892.21497,"end":892.45496},{"sentences":[{"text":"they're","start":892.38,"end":892.7,"sentiment":"neutral","sentiment_score":-0.09489893168210985}],"sentiment":"neutral","sentiment_score":-0.09489893168210985,"channel":1,"num_words":1,"start":892.38,"end":892.7},{"sentences":[{"text":"removed","start":892.45496,"end":892.935,"sentiment":"neutral","sentiment_score":-0.14774110913276672}],"sentiment":"neutral","sentiment_score":-0.14774110913276672,"channel":0,"num_words":1,"start":892.45496,"end":892.935},{"sentences":[{"text":"out.","start":892.7,"end":893.2,"sentiment":"neutral","sentiment_score":-0.08722056448459625}],"sentiment":"neutral","sentiment_score":-0.08722056448459625,"channel":1,"num_words":1,"start":892.7,"end":893.2},{"sentences":[{"text":"out, and others are put in their place.","start":892.935,"end":895.01495,"sentiment":"neutral","sentiment_score":-0.032388893188908696},{"text":"So you are always tracking the top 500 companies, and that","start":895.01495,"end":898.64996,"sentiment":"neutral","sentiment_score":0.032398575747554954}],"sentiment":"neutral","sentiment_score":0.005119641458517627,"channel":0,"num_words":19,"start":892.935,"end":898.64996},{"sentences":[{"text":"Mhmm.","start":898.565,"end":899.065,"sentiment":"neutral","sentiment_score":-0.006838519126176834}],"sentiment":"neutral","sentiment_score":-0.006838519126176834,"channel":1,"num_words":1,"start":898.565,"end":899.065},{"sentences":[{"text":"way you're not in companies that are underperforming against the market and don't meet that criteria.","start":898.64996,"end":903.23,"sentiment":"neutral","sentiment_score":-0.14526152680628002}],"sentiment":"neutral","sentiment_score":-0.14526152680628002,"channel":0,"num_words":16,"start":898.64996,"end":903.23},{"sentences":[{"text":"Yes.","start":903.925,"end":904.40497,"sentiment":"neutral","sentiment_score":0.017824968323111534}],"sentiment":"neutral","sentiment_score":0.017824968323111534,"channel":1,"num_words":1,"start":903.925,"end":904.40497},{"sentences":[{"text":"Okay?","start":903.93,"end":904.43,"sentiment":"neutral","sentiment_score":0.02784787490963936}],"sentiment":"neutral","sentiment_score":0.02784787490963936,"channel":0,"num_words":1,"start":903.93,"end":904.43},{"sentences":[{"text":"Yep.","start":904.40497,"end":904.90497,"sentiment":"neutral","sentiment_score":0.04531222581863403},{"text":"Yep.","start":905.125,"end":905.625,"sentiment":"neutral","sentiment_score":0.054582856595516205}],"sentiment":"neutral","sentiment_score":0.04994754120707512,"channel":1,"num_words":2,"start":904.40497,"end":905.625},{"sentences":[{"text":"Yeah.","start":905.29,"end":905.79,"sentiment":"neutral","sentiment_score":0.08030389249324799},{"text":"A bit more diversification with the Vanguard All World Index, excluding The US because we have the S and P 500 there, making sure","start":906.81,"end":915.195,"sentiment":"neutral","sentiment_score":0.12801384615401426}],"sentiment":"neutral","sentiment_score":0.1261054480075836,"channel":0,"num_words":25,"start":905.29,"end":915.195},{"sentences":[{"text":"Yep.","start":914.92,"end":915.42,"sentiment":"neutral","sentiment_score":0.16217200458049774}],"sentiment":"neutral","sentiment_score":0.16217200458049774,"channel":1,"num_words":1,"start":914.92,"end":915.42},{"sentences":[{"text":"that we're diversifying your portfolio because you guys are about ten years out, but you are closer to time at years.","start":915.195,"end":921.535,"sentiment":"neutral","sentiment_score":0.18385702761865796},{"text":"Diversification to help lower the risk of making sure we're hitting as many markets as we can","start":922.235,"end":928.10004,"sentiment":"neutral","sentiment_score":0.24214800491052516}],"sentiment":"neutral","sentiment_score":0.2099345700913354,"channel":0,"num_words":38,"start":915.195,"end":928.10004},{"sentences":[{"text":"Yep.","start":928.075,"end":928.575,"sentiment":"neutral","sentiment_score":0.17664282023906708}],"sentiment":"neutral","sentiment_score":0.17664282023906708,"channel":1,"num_words":1,"start":928.075,"end":928.575},{"sentences":[{"text":"for you.","start":928.10004,"end":928.68005,"sentiment":"neutral","sentiment_score":0.19426791369915009},{"text":"And try to keep the investments a bit more passive, low cost so things are working for you, but you don't wanna be paying everything out in investment fees as well.","start":928.98004,"end":937.06,"sentiment":"neutral","sentiment_score":0.22871817047557524},{"text":"So","start":937.06,"end":937.56,"sentiment":"neutral","sentiment_score":0.20921379327774048}],"sentiment":"neutral","sentiment_score":0.22611802662996686,"channel":0,"num_words":34,"start":928.10004,"end":937.56},{"sentences":[{"text":"Yep.","start":937.61,"end":938.11,"sentiment":"neutral","sentiment_score":0.27539825439453125}],"sentiment":"neutral","sentiment_score":0.27539825439453125,"channel":1,"num_words":1,"start":937.61,"end":938.11},{"sentences":[{"text":"this is a really good portfolio for getting closer to those retirement years.","start":937.7,"end":941.72003,"sentiment":"positive","sentiment_score":0.4087832478376535},{"text":"The beta shares a 200, which is the top 200 companies on the ASX, and then we've got core composite bonds.","start":943.115,"end":949.995,"sentiment":"neutral","sentiment_score":0.20186476622309005},{"text":"These are defensive investments.","start":949.995,"end":951.535,"sentiment":"neutral","sentiment_score":0.15248725935816765},{"text":"The core composite bonds are government as well as banking bonds and company bonds.","start":952.155,"end":956.79,"sentiment":"neutral","sentiment_score":0.17917766741343907},{"text":"Inside this investment, we also have things like credit notes, and it's not just Australian bonds.","start":956.85,"end":962.45,"sentiment":"neutral","sentiment_score":0.18728573340922594}],"sentiment":"neutral","sentiment_score":0.230416918063865,"channel":0,"num_words":68,"start":937.7,"end":962.45},{"sentences":[{"text":"It's also worldwide as well.","start":962.45,"end":964.05,"sentiment":"neutral","sentiment_score":0.26000350117683413},{"text":"So it's giving you","start":964.05,"end":964.93,"sentiment":"neutral","sentiment_score":0.20028239488601685}],"sentiment":"neutral","sentiment_score":0.2334607872698042,"channel":0,"num_words":9,"start":962.45,"end":964.93},{"sentences":[{"text":"Yeah.","start":964.74005,"end":965.24005,"sentiment":"neutral","sentiment_score":0.2012367844581604}],"sentiment":"neutral","sentiment_score":0.2012367844581604,"channel":1,"num_words":1,"start":964.74005,"end":965.24005},{"sentences":[{"text":"diversification, low risk, and these sorts of investments pay out dividends on a monthly basis so they can help with the income producing in your portfolio as well.","start":964.93,"end":974.855,"sentiment":"positive","sentiment_score":0.405321550156389},{"text":"Okay.","start":975.15497,"end":975.65497,"sentiment":"neutral","sentiment_score":0.10696079581975936}],"sentiment":"positive","sentiment_score":0.3950332482827121,"channel":0,"num_words":29,"start":964.93,"end":975.65497},{"sentences":[{"text":"Yeah.","start":975.54004,"end":976.04004,"sentiment":"neutral","sentiment_score":0.0728129893541336},{"text":"So what","start":976.305,"end":976.965,"sentiment":"positive","sentiment_score":0.3675933927297592}],"sentiment":"neutral","sentiment_score":0.26933325827121735,"channel":1,"num_words":3,"start":975.54004,"end":976.965},{"sentences":[{"text":"Excellent.","start":976.915,"end":977.415,"sentiment":"positive","sentiment_score":0.6565471887588501}],"sentiment":"positive","sentiment_score":0.6565471887588501,"channel":0,"num_words":1,"start":976.915,"end":977.415},{"sentences":[{"text":"is on a a core competent comp composite bond,","start":977.265,"end":983.205,"sentiment":"positive","sentiment_score":0.38487820823987323}],"sentiment":"positive","sentiment_score":0.38487820823987323,"channel":1,"num_words":9,"start":977.265,"end":983.205},{"sentences":[{"text":"Yeah.","start":983.51,"end":984.01,"sentiment":"neutral","sentiment_score":0.25012415647506714}],"sentiment":"neutral","sentiment_score":0.25012415647506714,"channel":0,"num_words":1,"start":983.51,"end":984.01},{"sentences":[{"text":"it's got an oh, you've got shares already in that, have you?","start":984.945,"end":989.125,"sentiment":"neutral","sentiment_score":0.110495758553346}],"sentiment":"neutral","sentiment_score":0.110495758553346,"channel":1,"num_words":12,"start":984.945,"end":989.125},{"sentences":[{"text":"No.","start":989.67,"end":989.91003,"sentiment":"neutral","sentiment_score":-0.1432255357503891},{"text":"You've at the moment, the current waiting is zero, so you don't have that as of yet.","start":989.91003,"end":994.73004,"sentiment":"neutral","sentiment_score":-0.16342724728233674}],"sentiment":"neutral","sentiment_score":-0.1623049299750063,"channel":0,"num_words":18,"start":989.67,"end":994.73004},{"sentences":[{"text":"Oh, yeah.","start":994.49,"end":995.05,"sentiment":"neutral","sentiment_score":0.029446342960000038}],"sentiment":"neutral","sentiment_score":0.029446342960000038,"channel":1,"num_words":2,"start":994.49,"end":995.05},{"sentences":[{"text":"We're gonna,","start":994.79004,"end":995.53,"sentiment":"neutral","sentiment_score":0.09505445882678032}],"sentiment":"neutral","sentiment_score":0.09505445882678032,"channel":0,"num_words":2,"start":994.79004,"end":995.53},{"sentences":[{"text":"Yep.","start":995.05,"end":995.55,"sentiment":"neutral","sentiment_score":0.12303261458873747}],"sentiment":"neutral","sentiment_score":0.12303261458873747,"channel":1,"num_words":1,"start":995.05,"end":995.55},{"sentences":[{"text":"yeah, we're adding that in for you.","start":995.895,"end":997.895,"sentiment":"neutral","sentiment_score":0.16087441784994944},{"text":"Yeah.","start":997.895,"end":998.395,"sentiment":"neutral","sentiment_score":0.08228834718465805}],"sentiment":"neutral","sentiment_score":0.151051159016788,"channel":0,"num_words":8,"start":995.895,"end":998.395},{"sentences":[{"text":"Yeah.","start":998.17,"end":998.57,"sentiment":"neutral","sentiment_score":0.09248106181621552},{"text":"Right.","start":998.57,"end":998.89,"sentiment":"neutral","sentiment_score":0.0994858741760254},{"text":"Yeah.","start":998.89,"end":999.20996,"sentiment":"neutral","sentiment_score":0.10983844846487044},{"text":"I see all","start":999.20996,"end":999.76996,"sentiment":"neutral","sentiment_score":0.1567241499821345}],"sentiment":"neutral","sentiment_score":0.1286629724005858,"channel":1,"num_words":6,"start":998.17,"end":999.76996},{"sentences":[{"text":"Yep.","start":999.655,"end":1000.155,"sentiment":"neutral","sentiment_score":0.10741107165813446}],"sentiment":"neutral","sentiment_score":0.10741107165813446,"channel":0,"num_words":1,"start":999.655,"end":1000.155},{"sentences":[{"text":"that.","start":999.76996,"end":1000.01,"sentiment":"neutral","sentiment_score":0.10510019958019257},{"text":"Yeah.","start":1000.01,"end":1000.25,"sentiment":"neutral","sentiment_score":0.10721097141504288},{"text":"I see that","start":1000.25,"end":1000.73,"sentiment":"neutral","sentiment_score":0.10969518621762593}],"sentiment":"neutral","sentiment_score":0.10827934592962266,"channel":1,"num_words":5,"start":999.76996,"end":1000.73},{"sentences":[{"text":"Yeah.","start":1000.695,"end":1001.195,"sentiment":"neutral","sentiment_score":0.14477130770683289}],"sentiment":"neutral","sentiment_score":0.14477130770683289,"channel":0,"num_words":1,"start":1000.695,"end":1001.195},{"sentences":[{"text":"it everything in green, you're buying, and everything in red, you're selling.","start":1000.73,"end":1004.43,"sentiment":"neutral","sentiment_score":0.24313226838906607}],"sentiment":"neutral","sentiment_score":0.24313226838906607,"channel":1,"num_words":12,"start":1000.73,"end":1004.43},{"sentences":[{"text":"Absolutely.","start":1004.775,"end":1005.275,"sentiment":"positive","sentiment_score":0.4083517789840698},{"text":"Yeah.","start":1005.97504,"end":1006.47504,"sentiment":"neutral","sentiment_score":0.16041678190231323},{"text":"And at the moment, I did notice with your portfolio, you do have a little bit more in cash than what we'd like.","start":1006.93506,"end":1012.51,"sentiment":"neutral","sentiment_score":0.019733235644905464},{"text":"At the moment, your cash balance if you go down to the next page, you have about 20,000 in cash.","start":1012.51,"end":1018.11,"sentiment":"neutral","sentiment_score":0.00992358298972249},{"text":"So a lot more in cash than we would wanna keep.","start":1018.11,"end":1020.51,"sentiment":"neutral","sentiment_score":-0.0042988217689774256}],"sentiment":"neutral","sentiment_score":0.020961028590266193,"channel":0,"num_words":56,"start":1004.775,"end":1020.51},{"sentences":[{"text":"Cash doesn't really do anything.","start":1020.51,"end":1022.27,"sentiment":"neutral","sentiment_score":-0.12393651157617569},{"text":"So we're gonna invest a bit more in the rest of the portfolio and","start":1022.27,"end":1026.77,"sentiment":"neutral","sentiment_score":0.08421253306525094}],"sentiment":"neutral","sentiment_score":0.029436468685928145,"channel":0,"num_words":19,"start":1020.51,"end":1026.77},{"sentences":[{"text":"Yep.","start":1026.92,"end":1027.42,"sentiment":"neutral","sentiment_score":0.045900799334049225}],"sentiment":"neutral","sentiment_score":0.045900799334049225,"channel":1,"num_words":1,"start":1026.92,"end":1027.42},{"sentences":[{"text":"remove about 17,000 in cash, distribute that across the portfolio.","start":1027.465,"end":1031.965,"sentiment":"neutral","sentiment_score":0.06506316661834717},{"text":"So you should only have a target weight of about 2,710 in cash","start":1032.0249,"end":1036.5049,"sentiment":"neutral","sentiment_score":0.059943669403974824}],"sentiment":"neutral","sentiment_score":0.06216953775804976,"channel":0,"num_words":23,"start":1027.465,"end":1036.5049},{"sentences":[{"text":"Yeah.","start":1036.335,"end":1036.835,"sentiment":"neutral","sentiment_score":0.012943154200911522}],"sentiment":"neutral","sentiment_score":0.012943154200911522,"channel":1,"num_words":1,"start":1036.335,"end":1036.835},{"sentences":[{"text":"after the changes are being made.","start":1036.5049,"end":1038.365,"sentiment":"neutral","sentiment_score":-0.004381525330245495},{"text":"Yeah.","start":1038.745,"end":1039.245,"sentiment":"neutral","sentiment_score":0.03256647288799286},{"text":"The if you get under page 23, this is essentially showing you the changes and how that'll affect your super.","start":1041.24,"end":1048.06,"sentiment":"neutral","sentiment_score":0.01543593741953373},{"text":"The first column has your current scenario.","start":1049.64,"end":1052.54,"sentiment":"neutral","sentiment_score":0.023784397968224118},{"text":"So you've got your current balance there, the fees that you're paying, your contributions based on your current wage, and we know that with your job at the moment that you you're casual now.","start":1052.6,"end":1063.425,"sentiment":"neutral","sentiment_score":0.0027859716621391915}],"sentiment":"neutral","sentiment_score":0.008473674876286703,"channel":0,"num_words":68,"start":1036.5049,"end":1063.425},{"sentences":[{"text":"You'll go to part or full time down the track, and your wage will probably drop a little bit.","start":1063.425,"end":1068.325,"sentiment":"neutral","sentiment_score":-0.07432332144756067},{"text":"So this","start":1068.52,"end":1068.84,"sentiment":"neutral","sentiment_score":0.07170365750789642}],"sentiment":"neutral","sentiment_score":-0.06041599011846951,"channel":0,"num_words":21,"start":1063.425,"end":1068.84},{"sentences":[{"text":"Yep.","start":1068.7949,"end":1069.0349,"sentiment":"neutral","sentiment_score":0.07172451913356781}],"sentiment":"neutral","sentiment_score":0.07172451913356781,"channel":1,"num_words":1,"start":1068.7949,"end":1069.0349},{"sentences":[{"text":"is based","start":1068.84,"end":1069.4,"sentiment":"neutral","sentiment_score":0.08249912224709988}],"sentiment":"neutral","sentiment_score":0.08249912224709988,"channel":0,"num_words":2,"start":1068.84,"end":1069.4},{"sentences":[{"text":"Yep.","start":1069.0349,"end":1069.5349,"sentiment":"neutral","sentiment_score":0.09854663908481598}],"sentiment":"neutral","sentiment_score":0.09854663908481598,"channel":1,"num_words":1,"start":1069.0349,"end":1069.5349},{"sentences":[{"text":"on your current expected contributions.","start":1069.4,"end":1071.5,"sentiment":"neutral","sentiment_score":0.1054045468568802},{"text":"In the appendix, I've also done a secondary one of these, which shows if your wage was around, say, 90,000 on a yearly basis and the contributions were lower, what the difference might be.","start":1071.88,"end":1083.335,"sentiment":"neutral","sentiment_score":0.11186679178739295},{"text":"But it still puts you in a really good position, and we can, you know, always meet up in the next six months and sort of see what's changing and reevaluate where things are tracking.","start":1083.715,"end":1092.935,"sentiment":"positive","sentiment_score":0.4494511409529618},{"text":"But this is just using a conservative contribution rate based on your current income.","start":1093.475,"end":1098.14,"sentiment":"neutral","sentiment_score":0.052046921370284896},{"text":"Okay?","start":1098.28,"end":1098.78,"sentiment":"neutral","sentiment_score":0.05665113404393196}],"sentiment":"neutral","sentiment_score":0.23423136653525106,"channel":0,"num_words":89,"start":1069.4,"end":1098.78},{"sentences":[{"text":"Okay.","start":1099.225,"end":1099.725,"sentiment":"neutral","sentiment_score":0.080787792801857},{"text":"Yep.","start":1099.865,"end":1100.365,"sentiment":"neutral","sentiment_score":0.1592426598072052}],"sentiment":"neutral","sentiment_score":0.1200152263045311,"channel":1,"num_words":2,"start":1099.225,"end":1100.365},{"sentences":[{"text":"In order to make the changes, we do know that your super fund does a tax return like you do every year, and it does pay tax.","start":1100.8401,"end":1108.54,"sentiment":"neutral","sentiment_score":0.10010584361023372},{"text":"So I did go back and calculate and look at the tax consequences for buying and selling the different investments, and that's in the different column here, the 02/1975.","start":1108.8401,"end":1118.435,"sentiment":"neutral","sentiment_score":0.0814537529287667},{"text":"So in order to make the changes, the capital gains tax your super fund will account for is about $275 there.","start":1118.435,"end":1126.89,"sentiment":"neutral","sentiment_score":0.043967182526276224}],"sentiment":"neutral","sentiment_score":0.07777048630470579,"channel":0,"num_words":77,"start":1100.8401,"end":1126.89},{"sentences":[{"text":"Yep.","start":1127.005,"end":1127.405,"sentiment":"neutral","sentiment_score":0.09038510918617249}],"sentiment":"neutral","sentiment_score":0.09038510918617249,"channel":1,"num_words":1,"start":1127.005,"end":1127.405},{"sentences":[{"text":"Okay?","start":1127.13,"end":1127.63,"sentiment":"neutral","sentiment_score":0.06545194983482361}],"sentiment":"neutral","sentiment_score":0.06545194983482361,"channel":0,"num_words":1,"start":1127.13,"end":1127.63},{"sentences":[{"text":"Yep.","start":1127.405,"end":1127.905,"sentiment":"neutral","sentiment_score":0.11880844086408617}],"sentiment":"neutral","sentiment_score":0.11880844086408617,"channel":1,"num_words":1,"start":1127.405,"end":1127.905},{"sentences":[{"text":"So only a small capital gains, which is good.","start":1128.41,"end":1130.91,"sentiment":"neutral","sentiment_score":0.19113780723677742},{"text":"And we're not moving at a net wealth.","start":1131.53,"end":1133.6901,"sentiment":"neutral","sentiment_score":-0.06425062962807715},{"text":"There's no sort of point to change that in net wealth.","start":1133.6901,"end":1135.6901,"sentiment":"neutral","sentiment_score":-0.1592865295030854},{"text":"I did look at other funds to see if there's anything that was gonna be cheaper or better, but we'd have to sell the entire portfolio down, which would end up in a larger capital gains consequence.","start":1135.6901,"end":1145.335,"sentiment":"neutral","sentiment_score":-0.10415107424597482},{"text":"I didn't wanna do that.","start":1145.475,"end":1146.595,"sentiment":"neutral","sentiment_score":-0.18636555969715118}],"sentiment":"neutral","sentiment_score":-0.07616191631449121,"channel":0,"num_words":70,"start":1128.41,"end":1146.595},{"sentences":[{"text":"I wanna limit the amount of taxes you've gotta pay and things like that on your fund.","start":1146.595,"end":1150.9349,"sentiment":"neutral","sentiment_score":-0.06734981574118137}],"sentiment":"neutral","sentiment_score":-0.06734981574118137,"channel":0,"num_words":17,"start":1146.595,"end":1150.9349},{"sentences":[{"text":"Yep.","start":1151.2649,"end":1151.7649,"sentiment":"neutral","sentiment_score":0.1427689641714096}],"sentiment":"neutral","sentiment_score":0.1427689641714096,"channel":1,"num_words":1,"start":1151.2649,"end":1151.7649},{"sentences":[{"text":"So keeping you in net wealth, but making the changes, you can see the investment fee drops drastically.","start":1151.7949,"end":1158.71,"sentiment":"neutral","sentiment_score":0.32876409590244293},{"text":"So we can save you about a thousand and $35 on the investment fees","start":1158.77,"end":1162.95,"sentiment":"positive","sentiment_score":0.39864904220615116}],"sentiment":"positive","sentiment_score":0.3593387599103153,"channel":0,"num_words":32,"start":1151.7949,"end":1162.95},{"sentences":[{"text":"I can't say","start":1162.58,"end":1163.3,"sentiment":"neutral","sentiment_score":0.11932340761025746}],"sentiment":"neutral","sentiment_score":0.11932340761025746,"channel":1,"num_words":3,"start":1162.58,"end":1163.3},{"sentences":[{"text":"for","start":1163.1699,"end":1163.4099,"sentiment":"neutral","sentiment_score":0.08438463509082794}],"sentiment":"neutral","sentiment_score":0.08438463509082794,"channel":0,"num_words":1,"start":1163.1699,"end":1163.4099},{"sentences":[{"text":"that.","start":1163.3,"end":1163.62,"sentiment":"neutral","sentiment_score":0.1691054403781891}],"sentiment":"neutral","sentiment_score":0.1691054403781891,"channel":1,"num_words":1,"start":1163.3,"end":1163.62},{"sentences":[{"text":"making","start":1163.4099,"end":1163.89,"sentiment":"neutral","sentiment_score":0.1583653688430786}],"sentiment":"neutral","sentiment_score":0.1583653688430786,"channel":0,"num_words":1,"start":1163.4099,"end":1163.89},{"sentences":[{"text":"Yeah.","start":1163.62,"end":1164.12,"sentiment":"neutral","sentiment_score":0.2860715389251709}],"sentiment":"neutral","sentiment_score":0.2860715389251709,"channel":1,"num_words":1,"start":1163.62,"end":1164.12},{"sentences":[{"text":"the change, yeah, which is really good because, you know, we don't really be paying lots of fees for the investment.","start":1163.89,"end":1169.49,"sentiment":"neutral","sentiment_score":0.31736356232847485},{"text":"We wanna save you as much money as possible.","start":1169.49,"end":1171.9099,"sentiment":"positive","sentiment_score":0.4233419994513194},{"text":"Okay?","start":1172.21,"end":1172.71,"sentiment":"neutral","sentiment_score":0.1846569925546646}],"sentiment":"positive","sentiment_score":0.3438506385972423,"channel":0,"num_words":31,"start":1163.89,"end":1172.71},{"sentences":[{"text":"Yep.","start":1172.58,"end":1173.08,"sentiment":"neutral","sentiment_score":0.3330833911895752}],"sentiment":"neutral","sentiment_score":0.3330833911895752,"channel":1,"num_words":1,"start":1172.58,"end":1173.08},{"sentences":[{"text":"Excellent.","start":1173.915,"end":1174.415,"sentiment":"positive","sentiment_score":0.5272336602210999},{"text":"With we do expect, obviously, growth the the growth at the bottom there is higher.","start":1175.435,"end":1179.755,"sentiment":"neutral","sentiment_score":0.24845477938652039},{"text":"So with your current portfolio, the five year rolling average has averaged about 8.32% on a yearly basis.","start":1179.755,"end":1186.255,"sentiment":"neutral","sentiment_score":0.21964707970619202},{"text":"This newer","start":1186.59,"end":1187.3099,"sentiment":"neutral","sentiment_score":0.16430158913135529}],"sentiment":"neutral","sentiment_score":0.23711961011091867,"channel":0,"num_words":36,"start":1173.915,"end":1187.3099},{"sentences":[{"text":"Yep.","start":1186.89,"end":1187.39,"sentiment":"neutral","sentiment_score":0.15097472071647644}],"sentiment":"neutral","sentiment_score":0.15097472071647644,"channel":1,"num_words":1,"start":1186.89,"end":1187.39},{"sentences":[{"text":"portfolio, when we look at how it's performed over the past five years, it's averaged about 17.2 three two percent, and we can sort of see if the market performs the way it has over the last five years and it continues that way.","start":1187.3099,"end":1202.2051,"sentiment":"neutral","sentiment_score":0.24905580180612477},{"text":"On the next page, you'll see the projection forward of where you could end up over the next five or ten years depending on what","start":1202.2051,"end":1209.645,"sentiment":"neutral","sentiment_score":0.08697386115789413}],"sentiment":"neutral","sentiment_score":0.19033046099154846,"channel":0,"num_words":69,"start":1187.3099,"end":1209.645},{"sentences":[{"text":"Alright.","start":1209.625,"end":1210.125,"sentiment":"neutral","sentiment_score":0.04769555851817131}],"sentiment":"neutral","sentiment_score":0.04769555851817131,"channel":1,"num_words":1,"start":1209.625,"end":1210.125},{"sentences":[{"text":"happens in the market.","start":1209.645,"end":1210.865,"sentiment":"neutral","sentiment_score":0.0513847665861249},{"text":"So I never never gonna guarantee you'll get 17% every year.","start":1210.925,"end":1215.62,"sentiment":"neutral","sentiment_score":0.05177745832638307},{"text":"However, if the market was able to generate that over the next five to ten years, this is essentially where you could see your balance ending up.","start":1215.62,"end":1223.78,"sentiment":"neutral","sentiment_score":0.10763503169571911},{"text":"Okay?","start":1223.78,"end":1224.28,"sentiment":"neutral","sentiment_score":0.08665179461240768}],"sentiment":"neutral","sentiment_score":0.08762531996119854,"channel":0,"num_words":43,"start":1209.645,"end":1224.28},{"sentences":[{"text":"Yes.","start":1224.28,"end":1224.78,"sentiment":"neutral","sentiment_score":0.11745119839906693},{"text":"No.","start":1225.4,"end":1225.64,"sentiment":"neutral","sentiment_score":0.20732849836349487}],"sentiment":"neutral","sentiment_score":0.1623898483812809,"channel":1,"num_words":2,"start":1224.28,"end":1225.64},{"sentences":[{"text":"Beautiful.","start":1225.46,"end":1225.96,"sentiment":"positive","sentiment_score":0.552485466003418}],"sentiment":"positive","sentiment_score":0.552485466003418,"channel":0,"num_words":1,"start":1225.46,"end":1225.96},{"sentences":[{"text":"That's okay.","start":1225.64,"end":1226.38,"sentiment":"positive","sentiment_score":0.5250639319419861}],"sentiment":"positive","sentiment_score":0.5250639319419861,"channel":1,"num_words":2,"start":1225.64,"end":1226.38},{"sentences":[{"text":"Yeah.","start":1226.895,"end":1227.2151,"sentiment":"positive","sentiment_score":0.4316601157188415},{"text":"And we'll just keep making sure we do our reviews every year with you, see how things are going, and make sure you're sort of looking forward and on track there.","start":1227.2151,"end":1234.895,"sentiment":"positive","sentiment_score":0.42011565931381717},{"text":"Okay?","start":1234.895,"end":1235.395,"sentiment":"neutral","sentiment_score":0.1534101963043213}],"sentiment":"positive","sentiment_score":0.41238350759853015,"channel":0,"num_words":33,"start":1226.895,"end":1235.395},{"sentences":[{"text":"Yep.","start":1235.4249,"end":1235.9249,"sentiment":"neutral","sentiment_score":0.14873705804347992},{"text":"Not a problem.","start":1236.145,"end":1237.0449,"sentiment":"neutral","sentiment_score":0.25760610898335773}],"sentiment":"neutral","sentiment_score":0.2303888462483883,"channel":1,"num_words":4,"start":1235.4249,"end":1237.0449},{"sentences":[{"text":"Beautiful.","start":1236.8151,"end":1237.3151,"sentiment":"positive","sentiment_score":0.40183496475219727},{"text":"I do obviously have in there the advantages, disadvantages, the risks involved.","start":1238.8151,"end":1242.54,"sentiment":"neutral","sentiment_score":-0.0032930063704649606},{"text":"The advantages of this portfolio is definitely a lot cheaper for you, has performed much greater there.","start":1242.54,"end":1248.4601,"sentiment":"neutral","sentiment_score":0.3008910513976041},{"text":"The disadvantages are that you've got the CGT consequences.","start":1248.4601,"end":1251.76,"sentiment":"neutral","sentiment_score":-0.3120843403869205},{"text":"There's also no guarantees market will markets will react the way they have in the past, but","start":1251.9801,"end":1257.365,"sentiment":"neutral","sentiment_score":-0.25253767739324007}],"sentiment":"neutral","sentiment_score":-0.029007728876812116,"channel":0,"num_words":56,"start":1236.8151,"end":1257.365},{"sentences":[{"text":"Yep.","start":1257.145,"end":1257.645,"sentiment":"neutral","sentiment_score":0.13720563054084778}],"sentiment":"neutral","sentiment_score":0.13720563054084778,"channel":1,"num_words":1,"start":1257.145,"end":1257.645},{"sentences":[{"text":"we certainly do hope so.","start":1257.365,"end":1258.645,"sentiment":"neutral","sentiment_score":0.3070701241493225},{"text":"And this portfolio has shown over the past, you know, three to five to ten years that it's had a much greater track record.","start":1258.645,"end":1265.625,"sentiment":"positive","sentiment_score":0.4670650511980057},{"text":"So we","start":1265.685,"end":1266.3251,"sentiment":"positive","sentiment_score":0.386518731713295}],"sentiment":"positive","sentiment_score":0.4360628810621077,"channel":0,"num_words":31,"start":1257.365,"end":1266.3251},{"sentences":[{"text":"Yep.","start":1266.265,"end":1266.765,"sentiment":"positive","sentiment_score":0.44157981872558594}],"sentiment":"positive","sentiment_score":0.44157981872558594,"channel":1,"num_words":1,"start":1266.265,"end":1266.765},{"sentences":[{"text":"utilize that data to project forward knowing that this is what it could do in the future if it acted the same way it has in the past.","start":1266.3251,"end":1274.82,"sentiment":"positive","sentiment_score":0.3875779387141977}],"sentiment":"positive","sentiment_score":0.3875779387141977,"channel":0,"num_words":28,"start":1266.3251,"end":1274.82},{"sentences":[{"text":"Oh,","start":1275.11,"end":1275.35,"sentiment":"neutral","sentiment_score":0.06792081147432327}],"sentiment":"neutral","sentiment_score":0.06792081147432327,"channel":1,"num_words":1,"start":1275.11,"end":1275.35},{"sentences":[{"text":"Okay?","start":1275.12,"end":1275.62,"sentiment":"neutral","sentiment_score":0.06656750291585922}],"sentiment":"neutral","sentiment_score":0.06656750291585922,"channel":0,"num_words":1,"start":1275.12,"end":1275.62},{"sentences":[{"text":"okay.","start":1275.35,"end":1275.83,"sentiment":"neutral","sentiment_score":0.088743194937706},{"text":"Yep.","start":1275.83,"end":1276.33,"sentiment":"neutral","sentiment_score":0.07923378795385361}],"sentiment":"neutral","sentiment_score":0.0839884914457798,"channel":1,"num_words":2,"start":1275.35,"end":1276.33},{"sentences":[{"text":"Yeah.","start":1276.3999,"end":1276.8999,"sentiment":"neutral","sentiment_score":0.0993153601884842}],"sentiment":"neutral","sentiment_score":0.0993153601884842,"channel":0,"num_words":1,"start":1276.3999,"end":1276.8999},{"sentences":[{"text":"Yep.","start":1276.5499,"end":1277.0499,"sentiment":"neutral","sentiment_score":0.10561862587928772}],"sentiment":"neutral","sentiment_score":0.10561862587928772,"channel":1,"num_words":1,"start":1276.5499,"end":1277.0499},{"sentences":[{"text":"Yvonne, with your portfolio, you're in a growth portfolio, so you're a little bit lower risk on things than where Peter is.","start":1278.24,"end":1285.195,"sentiment":"neutral","sentiment_score":0.13441350954500111},{"text":"He's in that high","start":1285.195,"end":1285.995,"sentiment":"neutral","sentiment_score":0.10461516305804253}],"sentiment":"neutral","sentiment_score":0.1298291485470075,"channel":0,"num_words":26,"start":1278.24,"end":1285.995},{"sentences":[{"text":"Mhmm.","start":1285.8049,"end":1286.3049,"sentiment":"neutral","sentiment_score":0.06915800273418427}],"sentiment":"neutral","sentiment_score":0.06915800273418427,"channel":1,"num_words":1,"start":1285.8049,"end":1286.3049},{"sentences":[{"text":"growth environment.","start":1285.995,"end":1286.815,"sentiment":"neutral","sentiment_score":0.092458575963974},{"text":"And on page number 30 is essentially the changes we'll make to yours.","start":1287.515,"end":1291.855,"sentiment":"neutral","sentiment_score":0.09786456536788207}],"sentiment":"neutral","sentiment_score":0.09714376678069432,"channel":0,"num_words":15,"start":1285.995,"end":1291.855},{"sentences":[{"text":"Okay.","start":1292.365,"end":1292.845,"sentiment":"neutral","sentiment_score":0.05458433926105499},{"text":"He's just getting it up on his phone.","start":1292.845,"end":1294.945,"sentiment":"neutral","sentiment_score":0.06034144666045904}],"sentiment":"neutral","sentiment_score":0.05970176806052526,"channel":1,"num_words":9,"start":1292.365,"end":1294.945},{"sentences":[{"text":"That's okay.","start":1295.4349,"end":1296.315,"sentiment":"neutral","sentiment_score":0.11654224246740341},{"text":"You're fine.","start":1296.315,"end":1297.215,"sentiment":"neutral","sentiment_score":0.10548115149140358}],"sentiment":"neutral","sentiment_score":0.1110116969794035,"channel":0,"num_words":4,"start":1295.4349,"end":1297.215},{"sentences":[{"text":"Before before we start though, I I","start":1296.9601,"end":1299.12,"sentiment":"neutral","sentiment_score":-0.024868410878947804}],"sentiment":"neutral","sentiment_score":-0.024868410878947804,"channel":1,"num_words":7,"start":1296.9601,"end":1299.12},{"sentences":[{"text":"Yeah.","start":1299.3501,"end":1299.8501,"sentiment":"neutral","sentiment_score":-0.03832061588764191}],"sentiment":"neutral","sentiment_score":-0.03832061588764191,"channel":0,"num_words":1,"start":1299.3501,"end":1299.8501},{"sentences":[{"text":"because mine's not probably gonna grow because I'm not working anymore,","start":1299.68,"end":1303.38,"sentiment":"neutral","sentiment_score":-0.1683351011438803}],"sentiment":"neutral","sentiment_score":-0.1683351011438803,"channel":1,"num_words":11,"start":1299.68,"end":1303.38},{"sentences":[{"text":"Mhmm.","start":1303.99,"end":1304.49,"sentiment":"neutral","sentiment_score":-0.10201942920684814}],"sentiment":"neutral","sentiment_score":-0.10201942920684814,"channel":0,"num_words":1,"start":1303.99,"end":1304.49},{"sentences":[{"text":"I I can't help but wonder whether I would make more money by putting it all on my house.","start":1304.0,"end":1309.54,"sentiment":"neutral","sentiment_score":-0.19347947522213585}],"sentiment":"neutral","sentiment_score":-0.19347947522213585,"channel":1,"num_words":19,"start":1304.0,"end":1309.54},{"sentences":[{"text":"Well, I did sort of look at that, and our interest rates have definitely changed since since we sort of last spoke.","start":1310.9651,"end":1318.4851,"sentiment":"neutral","sentiment_score":0.02026046575470404},{"text":"So I can relook at it again for you.","start":1318.4851,"end":1321.045,"sentiment":"neutral","sentiment_score":0.07675476123889287},{"text":"At the moment, I've left it in super and tried to make it work, you know, with the portfolio as much as possible.","start":1321.045,"end":1328.17,"sentiment":"neutral","sentiment_score":0.17516021981187488},{"text":"Because your goal at the time was to kinda keep it working.","start":1329.11,"end":1331.99,"sentiment":"neutral","sentiment_score":0.18357135045031706},{"text":"You said you didn't wanna touch it for ten years.","start":1331.99,"end":1334.15,"sentiment":"neutral","sentiment_score":-0.01547446294571273}],"sentiment":"neutral","sentiment_score":0.0949121017022806,"channel":0,"num_words":76,"start":1310.9651,"end":1334.15},{"sentences":[{"text":"Yes.","start":1333.76,"end":1334.26,"sentiment":"neutral","sentiment_score":0.21430447697639465}],"sentiment":"neutral","sentiment_score":0.21430447697639465,"channel":1,"num_words":1,"start":1333.76,"end":1334.26},{"sentences":[{"text":"But","start":1334.15,"end":1334.65,"sentiment":"neutral","sentiment_score":0.17628879845142365}],"sentiment":"neutral","sentiment_score":0.17628879845142365,"channel":0,"num_words":1,"start":1334.15,"end":1334.65},{"sentences":[{"text":"Yes.","start":1334.64,"end":1335.14,"sentiment":"neutral","sentiment_score":0.19768747687339783}],"sentiment":"neutral","sentiment_score":0.19768747687339783,"channel":1,"num_words":1,"start":1334.64,"end":1335.14},{"sentences":[{"text":"if you wanna if you want to, I can go back and have a look at the difference and see if, you know, it's better to put it on the house.","start":1334.87,"end":1341.725,"sentiment":"neutral","sentiment_score":0.03235594255308951},{"text":"Or if","start":1341.725,"end":1342.4451,"sentiment":"neutral","sentiment_score":0.0043461741879582405}],"sentiment":"neutral","sentiment_score":0.030658380833990646,"channel":0,"num_words":33,"start":1334.87,"end":1342.4451},{"sentences":[{"text":"Yeah.","start":1342.245,"end":1342.745,"sentiment":"neutral","sentiment_score":0.0883532240986824}],"sentiment":"neutral","sentiment_score":0.0883532240986824,"channel":1,"num_words":1,"start":1342.245,"end":1342.745},{"sentences":[{"text":"at any point you decide you don't wanna keep it in super and you just wanna pay off your home loan or pay your home loan down, you can let me know, and we can absolutely take it all out.","start":1342.4451,"end":1352.4451,"sentiment":"neutral","sentiment_score":0.17862794501706958},{"text":"It's not a problem.","start":1352.4451,"end":1353.665,"sentiment":"positive","sentiment_score":0.34923478215932846}],"sentiment":"neutral","sentiment_score":0.19413765748454767,"channel":0,"num_words":44,"start":1342.4451,"end":1353.665},{"sentences":[{"text":"Do","start":1354.47,"end":1354.87,"sentiment":"neutral","sentiment_score":0.2859746515750885}],"sentiment":"neutral","sentiment_score":0.2859746515750885,"channel":1,"num_words":1,"start":1354.47,"end":1354.87},{"sentences":[{"text":"It","start":1354.76,"end":1355.0,"sentiment":"neutral","sentiment_score":0.3142632246017456}],"sentiment":"neutral","sentiment_score":0.3142632246017456,"channel":0,"num_words":1,"start":1354.76,"end":1355.0},{"sentences":[{"text":"do","start":1354.87,"end":1355.11,"sentiment":"neutral","sentiment_score":0.2703341543674469}],"sentiment":"neutral","sentiment_score":0.2703341543674469,"channel":1,"num_words":1,"start":1354.87,"end":1355.11},{"sentences":[{"text":"just","start":1355.0,"end":1355.24,"sentiment":"neutral","sentiment_score":0.3074043095111847}],"sentiment":"neutral","sentiment_score":0.3074043095111847,"channel":0,"num_words":1,"start":1355.0,"end":1355.24},{"sentences":[{"text":"I","start":1355.11,"end":1355.2699,"sentiment":"neutral","sentiment_score":0.31816381216049194}],"sentiment":"neutral","sentiment_score":0.31816381216049194,"channel":1,"num_words":1,"start":1355.11,"end":1355.2699},{"sentences":[{"text":"comes","start":1355.24,"end":1355.48,"sentiment":"neutral","sentiment_score":0.2952686846256256}],"sentiment":"neutral","sentiment_score":0.2952686846256256,"channel":0,"num_words":1,"start":1355.24,"end":1355.48},{"sentences":[{"text":"have to","start":1355.2699,"end":1355.59,"sentiment":"neutral","sentiment_score":0.2645264342427254}],"sentiment":"neutral","sentiment_score":0.2645264342427254,"channel":1,"num_words":2,"start":1355.2699,"end":1355.59},{"sentences":[{"text":"down","start":1355.48,"end":1355.72,"sentiment":"neutral","sentiment_score":0.16042813658714294}],"sentiment":"neutral","sentiment_score":0.16042813658714294,"channel":0,"num_words":1,"start":1355.48,"end":1355.72},{"sentences":[{"text":"pay","start":1355.59,"end":1355.75,"sentiment":"neutral","sentiment_score":0.12335318326950072}],"sentiment":"neutral","sentiment_score":0.12335318326950072,"channel":1,"num_words":1,"start":1355.59,"end":1355.75},{"sentences":[{"text":"to what","start":1355.72,"end":1356.0399,"sentiment":"neutral","sentiment_score":0.1829223334789276}],"sentiment":"neutral","sentiment_score":0.1829223334789276,"channel":0,"num_words":2,"start":1355.72,"end":1356.0399},{"sentences":[{"text":"do","start":1355.9099,"end":1356.07,"sentiment":"neutral","sentiment_score":0.10555265843868256}],"sentiment":"neutral","sentiment_score":0.10555265843868256,"channel":1,"num_words":1,"start":1355.9099,"end":1356.07},{"sentences":[{"text":"your","start":1356.0399,"end":1356.2799,"sentiment":"neutral","sentiment_score":0.1627219170331955}],"sentiment":"neutral","sentiment_score":0.1627219170331955,"channel":0,"num_words":1,"start":1356.0399,"end":1356.2799},{"sentences":[{"text":"I","start":1356.07,"end":1356.23,"sentiment":"neutral","sentiment_score":0.1334010660648346}],"sentiment":"neutral","sentiment_score":0.1334010660648346,"channel":1,"num_words":1,"start":1356.07,"end":1356.23},{"sentences":[{"text":"preference is.","start":1356.2799,"end":1357.26,"sentiment":"neutral","sentiment_score":0.11733298748731613}],"sentiment":"neutral","sentiment_score":0.11733298748731613,"channel":0,"num_words":2,"start":1356.2799,"end":1357.26},{"sentences":[{"text":"does cap does what did you just say to Peter?","start":1357.35,"end":1361.19,"sentiment":"neutral","sentiment_score":0.034844037145376205},{"text":"Capital gains come into it when you're just getting it out for retirement purposes?","start":1361.19,"end":1365.415,"sentiment":"neutral","sentiment_score":0.03777380181210382},{"text":"Like, do you still","start":1365.475,"end":1366.435,"sentiment":"neutral","sentiment_score":0.015763492789119482}],"sentiment":"neutral","sentiment_score":0.03358312742784619,"channel":1,"num_words":28,"start":1357.35,"end":1366.435},{"sentences":[{"text":"It","start":1366.215,"end":1366.535,"sentiment":"neutral","sentiment_score":0.03897615522146225}],"sentiment":"neutral","sentiment_score":0.03897615522146225,"channel":0,"num_words":1,"start":1366.215,"end":1366.535},{"sentences":[{"text":"pay","start":1366.435,"end":1366.595,"sentiment":"neutral","sentiment_score":0.036753877997398376}],"sentiment":"neutral","sentiment_score":0.036753877997398376,"channel":1,"num_words":1,"start":1366.435,"end":1366.595},{"sentences":[{"text":"it","start":1366.535,"end":1366.695,"sentiment":"neutral","sentiment_score":0.03516419604420662}],"sentiment":"neutral","sentiment_score":0.03516419604420662,"channel":0,"num_words":1,"start":1366.535,"end":1366.695},{"sentences":[{"text":"cap","start":1366.595,"end":1367.075,"sentiment":"neutral","sentiment_score":0.029749128967523575}],"sentiment":"neutral","sentiment_score":0.029749128967523575,"channel":1,"num_words":1,"start":1366.595,"end":1367.075},{"sentences":[{"text":"does.","start":1366.695,"end":1367.195,"sentiment":"neutral","sentiment_score":0.05580288916826248}],"sentiment":"neutral","sentiment_score":0.05580288916826248,"channel":0,"num_words":1,"start":1366.695,"end":1367.195},{"sentences":[{"text":"it does.","start":1367.475,"end":1368.115,"sentiment":"neutral","sentiment_score":0.07684698700904846}],"sentiment":"neutral","sentiment_score":0.07684698700904846,"channel":1,"num_words":2,"start":1367.475,"end":1368.115},{"sentences":[{"text":"Yeah.","start":1367.975,"end":1368.475,"sentiment":"neutral","sentiment_score":0.07525418698787689}],"sentiment":"neutral","sentiment_score":0.07525418698787689,"channel":0,"num_words":1,"start":1367.975,"end":1368.475},{"sentences":[{"text":"Yeah.","start":1368.115,"end":1368.355,"sentiment":"neutral","sentiment_score":0.0913255736231804},{"text":"Right.","start":1368.355,"end":1368.855,"sentiment":"neutral","sentiment_score":0.11006879806518556}],"sentiment":"neutral","sentiment_score":0.10069718584418298,"channel":1,"num_words":2,"start":1368.115,"end":1368.855},{"sentences":[{"text":"You don't, but your super fund does.","start":1368.615,"end":1370.875,"sentiment":"neutral","sentiment_score":0.03694943817598479}],"sentiment":"neutral","sentiment_score":0.03694943817598479,"channel":0,"num_words":7,"start":1368.615,"end":1370.875},{"sentences":[{"text":"Oh,","start":1371.155,"end":1371.395,"sentiment":"neutral","sentiment_score":0.10442127287387848}],"sentiment":"neutral","sentiment_score":0.10442127287387848,"channel":1,"num_words":1,"start":1371.155,"end":1371.395},{"sentences":[{"text":"So","start":1371.335,"end":1371.835,"sentiment":"neutral","sentiment_score":0.10220149904489516}],"sentiment":"neutral","sentiment_score":0.10220149904489516,"channel":0,"num_words":1,"start":1371.335,"end":1371.835},{"sentences":[{"text":"okay.","start":1371.395,"end":1371.875,"sentiment":"neutral","sentiment_score":0.1312921792268753},{"text":"Yep.","start":1371.875,"end":1372.115,"sentiment":"neutral","sentiment_score":0.14365582168102264},{"text":"Yep.","start":1372.115,"end":1372.615,"sentiment":"neutral","sentiment_score":0.1784161925315857}],"sentiment":"neutral","sentiment_score":0.15112139781316122,"channel":1,"num_words":3,"start":1371.395,"end":1372.615},{"sentences":[{"text":"if we","start":1372.695,"end":1373.095,"sentiment":"neutral","sentiment_score":0.12336234748363495}],"sentiment":"neutral","sentiment_score":0.12336234748363495,"channel":0,"num_words":2,"start":1372.695,"end":1373.095},{"sentences":[{"text":"Yep.","start":1372.915,"end":1373.415,"sentiment":"neutral","sentiment_score":0.1016644835472107}],"sentiment":"neutral","sentiment_score":0.1016644835472107,"channel":1,"num_words":1,"start":1372.915,"end":1373.415},{"sentences":[{"text":"were to, I could absolutely have a look at what the total capital gains were, and","start":1373.095,"end":1378.375,"sentiment":"neutral","sentiment_score":0.1407981519587338}],"sentiment":"neutral","sentiment_score":0.1407981519587338,"channel":0,"num_words":16,"start":1373.095,"end":1378.375},{"sentences":[{"text":"Yep.","start":1378.355,"end":1378.74,"sentiment":"neutral","sentiment_score":0.14759401977062225}],"sentiment":"neutral","sentiment_score":0.14759401977062225,"channel":1,"num_words":1,"start":1378.355,"end":1378.74},{"sentences":[{"text":"your fund just essentially holds that money back, and you just get the difference out.","start":1378.375,"end":1380.8062,"sentiment":"neutral","sentiment_score":0.16197793434063593},{"text":"So if that's something you wanted me to look at, I absolutely can.","start":1380.8062,"end":1381.605,"sentiment":"neutral","sentiment_score":0.22422131724082506},{"text":"Out.","start":1382.85,"end":1383.0366,"sentiment":"neutral","sentiment_score":0.06257809698581696},{"text":"So if","start":1383.0366,"end":1383.41,"sentiment":"neutral","sentiment_score":0.0698791928589344}],"sentiment":"neutral","sentiment_score":0.17893169748206292,"channel":0,"num_words":31,"start":1378.375,"end":1383.41},{"sentences":[{"text":"Yeah.","start":1383.38,"end":1383.88,"sentiment":"neutral","sentiment_score":0.09175996482372284}],"sentiment":"neutral","sentiment_score":0.09175996482372284,"channel":1,"num_words":1,"start":1383.38,"end":1383.88},{"sentences":[{"text":"that's something you wanted me to look at, I absolutely can.","start":1383.41,"end":1386.29,"sentiment":"neutral","sentiment_score":0.1311606697060845},{"text":"I know since we last sort of caught up, interest rates have gone up and down","start":1386.29,"end":1389.33,"sentiment":"neutral","sentiment_score":-0.1335826851427555}],"sentiment":"neutral","sentiment_score":-0.025724281315450317,"channel":0,"num_words":27,"start":1383.41,"end":1389.33},{"sentences":[{"text":"Okay.","start":1389.3,"end":1389.46,"sentiment":"neutral","sentiment_score":-0.07720775902271271}],"sentiment":"neutral","sentiment_score":-0.07720775902271271,"channel":1,"num_words":1,"start":1389.3,"end":1389.46},{"sentences":[{"text":"and","start":1389.33,"end":1389.73,"sentiment":"neutral","sentiment_score":-0.0763489156961441}],"sentiment":"neutral","sentiment_score":-0.0763489156961441,"channel":0,"num_words":1,"start":1389.33,"end":1389.73},{"sentences":[{"text":"Well, I'm","start":1389.46,"end":1389.86,"sentiment":"neutral","sentiment_score":-0.18633674085140228}],"sentiment":"neutral","sentiment_score":-0.18633674085140228,"channel":1,"num_words":2,"start":1389.46,"end":1389.86},{"sentences":[{"text":"sideways","start":1389.73,"end":1390.23,"sentiment":"neutral","sentiment_score":-0.23913444578647616}],"sentiment":"neutral","sentiment_score":-0.23913444578647616,"channel":0,"num_words":1,"start":1389.73,"end":1390.23},{"sentences":[{"text":"not gonna have","start":1389.86,"end":1390.5,"sentiment":"neutral","sentiment_score":-0.2577257603406906}],"sentiment":"neutral","sentiment_score":-0.2577257603406906,"channel":1,"num_words":3,"start":1389.86,"end":1390.5},{"sentences":[{"text":"and","start":1390.4501,"end":1390.61,"sentiment":"neutral","sentiment_score":-0.2470400333404541}],"sentiment":"neutral","sentiment_score":-0.2470400333404541,"channel":0,"num_words":1,"start":1390.4501,"end":1390.61},{"sentences":[{"text":"any I'm not gonna","start":1390.5,"end":1391.38,"sentiment":"neutral","sentiment_score":-0.28259366005659103}],"sentiment":"neutral","sentiment_score":-0.28259366005659103,"channel":1,"num_words":4,"start":1390.5,"end":1391.38},{"sentences":[{"text":"yeah.","start":1391.33,"end":1391.83,"sentiment":"neutral","sentiment_score":-0.255647748708725}],"sentiment":"neutral","sentiment_score":-0.255647748708725,"channel":0,"num_words":1,"start":1391.33,"end":1391.83},{"sentences":[{"text":"have much growth because I'm not contributing.","start":1391.38,"end":1393.24,"sentiment":"negative","sentiment_score":-0.35354467800685335},{"text":"You know what I mean?","start":1393.54,"end":1394.5,"sentiment":"neutral","sentiment_score":-0.29524754285812377},{"text":"And, like, I I don't know.","start":1394.5,"end":1397.275,"sentiment":"neutral","sentiment_score":-0.28498876094818115},{"text":"I'm I would have to it would take me a lot more than what it would take you to figure out what what was worthwhile and what wasn't.","start":1397.275,"end":1403.515,"sentiment":"negative","sentiment_score":-0.3758589284760611},{"text":"You know?","start":1403.515,"end":1403.9149,"sentiment":"neutral","sentiment_score":-0.1483348235487938}],"sentiment":"negative","sentiment_score":-0.34336880563447875,"channel":1,"num_words":48,"start":1391.38,"end":1403.9149},{"sentences":[{"text":"Like, with the small amount that I've got in super, and you","start":1403.9149,"end":1407.0349,"sentiment":"neutral","sentiment_score":-0.0953964851796627}],"sentiment":"neutral","sentiment_score":-0.0953964851796627,"channel":1,"num_words":12,"start":1403.9149,"end":1407.0349},{"sentences":[{"text":"Yeah.","start":1407.025,"end":1407.525,"sentiment":"neutral","sentiment_score":-0.05797959864139557}],"sentiment":"neutral","sentiment_score":-0.05797959864139557,"channel":0,"num_words":1,"start":1407.025,"end":1407.525},{"sentences":[{"text":"were saying to Peter that it could be 17% at its best, Is","start":1407.0349,"end":1411.2,"sentiment":"neutral","sentiment_score":-0.06797952520159575}],"sentiment":"neutral","sentiment_score":-0.06797952520159575,"channel":1,"num_words":13,"start":1407.0349,"end":1411.2},{"sentences":[{"text":"Mhmm.","start":1411.05,"end":1411.55,"sentiment":"neutral","sentiment_score":-0.03609591722488403}],"sentiment":"neutral","sentiment_score":-0.03609591722488403,"channel":0,"num_words":1,"start":1411.05,"end":1411.55},{"sentences":[{"text":"that is that what you could I could possibly increase my super buy without","start":1411.2,"end":1416.4199,"sentiment":"neutral","sentiment_score":-0.03424771635660103}],"sentiment":"neutral","sentiment_score":-0.03424771635660103,"channel":1,"num_words":14,"start":1411.2,"end":1416.4199},{"sentences":[{"text":"You","start":1416.09,"end":1416.49,"sentiment":"neutral","sentiment_score":-0.06250423192977905}],"sentiment":"neutral","sentiment_score":-0.06250423192977905,"channel":0,"num_words":1,"start":1416.09,"end":1416.49},{"sentences":[{"text":"con","start":1416.48,"end":1416.72,"sentiment":"neutral","sentiment_score":-0.039808303117752075}],"sentiment":"neutral","sentiment_score":-0.039808303117752075,"channel":1,"num_words":1,"start":1416.48,"end":1416.72},{"sentences":[{"text":"are","start":1416.49,"end":1416.99,"sentiment":"neutral","sentiment_score":-0.0447765477001667}],"sentiment":"neutral","sentiment_score":-0.0447765477001667,"channel":0,"num_words":1,"start":1416.49,"end":1416.99},{"sentences":[{"text":"contributions?","start":1416.96,"end":1417.46,"sentiment":"neutral","sentiment_score":-0.046559251844882965},{"text":"Oh, his","start":1418.16,"end":1418.72,"sentiment":"neutral","sentiment_score":-0.05183081328868866}],"sentiment":"neutral","sentiment_score":-0.050073626140753426,"channel":1,"num_words":3,"start":1416.96,"end":1418.72},{"sentences":[{"text":"yeah.","start":1418.49,"end":1418.89,"sentiment":"neutral","sentiment_score":-0.03518546372652054},{"text":"And","start":1418.89,"end":1419.13,"sentiment":"neutral","sentiment_score":-0.07216233760118484}],"sentiment":"neutral","sentiment_score":-0.05367390066385269,"channel":0,"num_words":2,"start":1418.49,"end":1419.13},{"sentences":[{"text":"mine","start":1419.04,"end":1419.28,"sentiment":"neutral","sentiment_score":-0.08506228774785995}],"sentiment":"neutral","sentiment_score":-0.08506228774785995,"channel":1,"num_words":1,"start":1419.04,"end":1419.28},{"sentences":[{"text":"look","start":1419.13,"end":1419.63,"sentiment":"neutral","sentiment_score":-0.0776500552892685}],"sentiment":"neutral","sentiment_score":-0.0776500552892685,"channel":0,"num_words":1,"start":1419.13,"end":1419.63},{"sentences":[{"text":"would be different.","start":1419.28,"end":1420.08,"sentiment":"neutral","sentiment_score":-0.07400298118591309},{"text":"Yeah.","start":1420.08,"end":1420.58,"sentiment":"neutral","sentiment_score":0.011221306398510931}],"sentiment":"neutral","sentiment_score":-0.05269690928980708,"channel":1,"num_words":4,"start":1419.28,"end":1420.58},{"sentences":[{"text":"yeah.","start":1420.81,"end":1421.21,"sentiment":"neutral","sentiment_score":0.015002934262156488},{"text":"It would be different.","start":1421.21,"end":1422.43,"sentiment":"neutral","sentiment_score":-0.01980857364833355},{"text":"We've seen a contributions going in, it does make a bit more of a difference.","start":1422.81,"end":1426.875,"sentiment":"neutral","sentiment_score":0.10949857632319132}],"sentiment":"neutral","sentiment_score":0.07891236422583461,"channel":0,"num_words":20,"start":1420.81,"end":1426.875},{"sentences":[{"text":"Yeah.","start":1426.775,"end":1427.275,"sentiment":"neutral","sentiment_score":0.07681411504745483},{"text":"Yep.","start":1427.335,"end":1427.835,"sentiment":"neutral","sentiment_score":0.012042181566357613}],"sentiment":"neutral","sentiment_score":0.04442814830690622,"channel":1,"num_words":2,"start":1426.775,"end":1427.835},{"sentences":[{"text":"We can also look at if you wanted me to, I can also look at contribution splitting.","start":1427.4149,"end":1431.735,"sentiment":"neutral","sentiment_score":0.06489212898647084},{"text":"So when Peter sort of does go full time, I can look at even splitting some of his contributions into your super so you are getting contributions.","start":1431.735,"end":1440.32,"sentiment":"neutral","sentiment_score":0.11794983540420179},{"text":"We can","start":1440.46,"end":1440.94,"sentiment":"neutral","sentiment_score":0.03549719229340553}],"sentiment":"neutral","sentiment_score":0.09475665507109268,"channel":0,"num_words":46,"start":1427.4149,"end":1440.94},{"sentences":[{"text":"But","start":1440.8301,"end":1441.15,"sentiment":"neutral","sentiment_score":0.006365004926919937}],"sentiment":"neutral","sentiment_score":0.006365004926919937,"channel":1,"num_words":1,"start":1440.8301,"end":1441.15},{"sentences":[{"text":"also","start":1440.94,"end":1441.2599,"sentiment":"neutral","sentiment_score":0.0005852393805980682}],"sentiment":"neutral","sentiment_score":0.0005852393805980682,"channel":0,"num_words":1,"start":1440.94,"end":1441.2599},{"sentences":[{"text":"what","start":1441.15,"end":1441.31,"sentiment":"neutral","sentiment_score":-0.01244129240512848}],"sentiment":"neutral","sentiment_score":-0.01244129240512848,"channel":1,"num_words":1,"start":1441.15,"end":1441.31},{"sentences":[{"text":"do","start":1441.2599,"end":1441.7599,"sentiment":"neutral","sentiment_score":-0.00941796600818634}],"sentiment":"neutral","sentiment_score":-0.00941796600818634,"channel":0,"num_words":1,"start":1441.2599,"end":1441.7599},{"sentences":[{"text":"but what but what","start":1441.31,"end":1442.1901,"sentiment":"neutral","sentiment_score":-0.051619804464280605}],"sentiment":"neutral","sentiment_score":-0.051619804464280605,"channel":1,"num_words":4,"start":1441.31,"end":1442.1901},{"sentences":[{"text":"other","start":1442.1399,"end":1442.62,"sentiment":"neutral","sentiment_score":-0.06765785813331604}],"sentiment":"neutral","sentiment_score":-0.06765785813331604,"channel":0,"num_words":1,"start":1442.1399,"end":1442.62},{"sentences":[{"text":"does that get what does that get us really?","start":1442.1901,"end":1444.3501,"sentiment":"neutral","sentiment_score":-0.03780626174476412},{"text":"Like, wouldn't it be better","start":1444.3501,"end":1445.31,"sentiment":"neutral","sentiment_score":-0.0831976667046547}],"sentiment":"neutral","sentiment_score":-0.05401747780186789,"channel":1,"num_words":14,"start":1442.1901,"end":1445.31},{"sentences":[{"text":"yeah.","start":1445.2599,"end":1445.7599,"sentiment":"neutral","sentiment_score":-0.0659751370549202}],"sentiment":"neutral","sentiment_score":-0.0659751370549202,"channel":0,"num_words":1,"start":1445.2599,"end":1445.7599},{"sentences":[{"text":"off just staying in in his super and being a larger super that we can't get our greedy little hands on?","start":1445.31,"end":1451.25,"sentiment":"neutral","sentiment_score":-0.055128847559293113}],"sentiment":"neutral","sentiment_score":-0.055128847559293113,"channel":1,"num_words":21,"start":1445.31,"end":1451.25},{"sentences":[{"text":"Yeah.","start":1451.6549,"end":1452.135,"sentiment":"neutral","sentiment_score":0.17044752836227417},{"text":"It normally does work out much better that way.","start":1452.135,"end":1454.5349,"sentiment":"neutral","sentiment_score":0.30828582247098285},{"text":"It also","start":1454.5349,"end":1455.015,"sentiment":"neutral","sentiment_score":0.08166990429162979}],"sentiment":"neutral","sentiment_score":0.25902997826536495,"channel":0,"num_words":12,"start":1451.6549,"end":1455.015},{"sentences":[{"text":"Yeah.","start":1454.775,"end":1455.015,"sentiment":"neutral","sentiment_score":0.051783859729766846},{"text":"I","start":1455.015,"end":1455.255,"sentiment":"neutral","sentiment_score":0.00803430750966072}],"sentiment":"neutral","sentiment_score":0.029909083619713783,"channel":1,"num_words":2,"start":1454.775,"end":1455.255},{"sentences":[{"text":"just","start":1455.015,"end":1455.255,"sentiment":"neutral","sentiment_score":0.03270101547241211}],"sentiment":"neutral","sentiment_score":0.03270101547241211,"channel":0,"num_words":1,"start":1455.015,"end":1455.255},{"sentences":[{"text":"reckon.","start":1455.255,"end":1455.755,"sentiment":"neutral","sentiment_score":0.009153207764029505}],"sentiment":"neutral","sentiment_score":0.009153207764029505,"channel":1,"num_words":1,"start":1455.255,"end":1455.755},{"sentences":[{"text":"comes down to what your preference is.","start":1455.255,"end":1457.115,"sentiment":"neutral","sentiment_score":0.017619666244302477}],"sentiment":"neutral","sentiment_score":0.017619666244302477,"channel":0,"num_words":7,"start":1455.255,"end":1457.115},{"sentences":[{"text":"I I don't really","start":1457.015,"end":1457.815,"sentiment":"neutral","sentiment_score":-0.0908541139215231}],"sentiment":"neutral","sentiment_score":-0.0908541139215231,"channel":1,"num_words":4,"start":1457.015,"end":1457.815},{"sentences":[{"text":"But","start":1457.6549,"end":1458.1549,"sentiment":"neutral","sentiment_score":-0.1245899572968483}],"sentiment":"neutral","sentiment_score":-0.1245899572968483,"channel":0,"num_words":1,"start":1457.6549,"end":1458.1549},{"sentences":[{"text":"need to see","start":1457.815,"end":1458.615,"sentiment":"neutral","sentiment_score":-0.1186232939362526}],"sentiment":"neutral","sentiment_score":-0.1186232939362526,"channel":1,"num_words":3,"start":1457.815,"end":1458.615},{"sentences":[{"text":"yours","start":1458.2949,"end":1458.7949,"sentiment":"neutral","sentiment_score":-0.12250175327062608}],"sentiment":"neutral","sentiment_score":-0.12250175327062608,"channel":0,"num_words":1,"start":1458.2949,"end":1458.7949},{"sentences":[{"text":"mine growing and his being less.","start":1458.615,"end":1460.455,"sentiment":"neutral","sentiment_score":-0.16455400983492532},{"text":"You know what I mean?","start":1460.455,"end":1461.335,"sentiment":"neutral","sentiment_score":-0.09291944354772567},{"text":"It's I just","start":1461.335,"end":1462.215,"sentiment":"neutral","sentiment_score":-0.06893072028954823}],"sentiment":"neutral","sentiment_score":-0.11847953125834465,"channel":1,"num_words":14,"start":1458.615,"end":1462.215},{"sentences":[{"text":"yeah.","start":1462.135,"end":1462.635,"sentiment":"neutral","sentiment_score":-0.04644116014242172}],"sentiment":"neutral","sentiment_score":-0.04644116014242172,"channel":0,"num_words":1,"start":1462.135,"end":1462.635},{"sentences":[{"text":"know that I can get at mine.","start":1462.215,"end":1463.735,"sentiment":"neutral","sentiment_score":-0.05464530070977552},{"text":"I'm able to get","start":1463.735,"end":1464.615,"sentiment":"neutral","sentiment_score":0.009513068944215775}],"sentiment":"neutral","sentiment_score":-0.0313149844719605,"channel":1,"num_words":11,"start":1462.215,"end":1464.615},{"sentences":[{"text":"Yeah.","start":1464.375,"end":1464.875,"sentiment":"neutral","sentiment_score":-0.010431315749883652}],"sentiment":"neutral","sentiment_score":-0.010431315749883652,"channel":0,"num_words":1,"start":1464.375,"end":1464.875},{"sentences":[{"text":"at mine, and would it be better sitting on our our house loan our house loan is almost to 300,000, but that's with money sitting on it.","start":1464.615,"end":1476.46,"sentiment":"neutral","sentiment_score":-0.06853641321261723},{"text":"I I already have","start":1476.46,"end":1477.5,"sentiment":"neutral","sentiment_score":0.0030475733801722527}],"sentiment":"neutral","sentiment_score":-0.05929976978128956,"channel":1,"num_words":31,"start":1464.615,"end":1477.5},{"sentences":[{"text":"Yeah.","start":1477.31,"end":1477.81,"sentiment":"neutral","sentiment_score":0.013088367879390717}],"sentiment":"neutral","sentiment_score":0.013088367879390717,"channel":0,"num_words":1,"start":1477.31,"end":1477.81},{"sentences":[{"text":"80,000 sitting on it.","start":1477.5,"end":1478.985,"sentiment":"neutral","sentiment_score":0.05760496901348233}],"sentiment":"neutral","sentiment_score":0.05760496901348233,"channel":1,"num_words":4,"start":1477.5,"end":1478.985},{"sentences":[{"text":"Yes.","start":1479.7101,"end":1480.2101,"sentiment":"neutral","sentiment_score":0.15646907687187195}],"sentiment":"neutral","sentiment_score":0.15646907687187195,"channel":0,"num_words":1,"start":1479.7101,"end":1480.2101},{"sentences":[{"text":"So I would be essentially putting another 110 on it if I was to get it all out of super.","start":1480.505,"end":1485.245,"sentiment":"neutral","sentiment_score":0.16879062205553055},{"text":"So","start":1485.545,"end":1485.945,"sentiment":"neutral","sentiment_score":0.20873722434043884}],"sentiment":"neutral","sentiment_score":0.17069284121195474,"channel":1,"num_words":21,"start":1480.505,"end":1485.945},{"sentences":[{"text":"Yeah.","start":1485.9249,"end":1486.4249,"sentiment":"neutral","sentiment_score":0.26219338178634644}],"sentiment":"neutral","sentiment_score":0.26219338178634644,"channel":0,"num_words":1,"start":1485.9249,"end":1486.4249},{"sentences":[{"text":"it would, you know, would take take it down to about 200,000.","start":1485.945,"end":1489.625,"sentiment":"neutral","sentiment_score":0.24711362272500992},{"text":"And I was just","start":1489.625,"end":1490.4249,"sentiment":"neutral","sentiment_score":0.10425221547484398}],"sentiment":"neutral","sentiment_score":0.21139827091246843,"channel":1,"num_words":16,"start":1485.945,"end":1490.4249},{"sentences":[{"text":"Yep.","start":1490.4049,"end":1490.9049,"sentiment":"neutral","sentiment_score":0.08283732831478119}],"sentiment":"neutral","sentiment_score":0.08283732831478119,"channel":0,"num_words":1,"start":1490.4049,"end":1490.9049},{"sentences":[{"text":"wondering how how much of a savings I would make on interest, paying interest.","start":1490.4249,"end":1495.19,"sentiment":"neutral","sentiment_score":0.1055778581649065},{"text":"You know?","start":1495.33,"end":1495.99,"sentiment":"neutral","sentiment_score":0.020705505274236202},{"text":"I don't know.","start":1496.13,"end":1496.85,"sentiment":"neutral","sentiment_score":-0.022622668494780857},{"text":"I just","start":1496.85,"end":1497.25,"sentiment":"neutral","sentiment_score":-0.009161112830042839}],"sentiment":"neutral","sentiment_score":0.06825289493870168,"channel":1,"num_words":21,"start":1490.4249,"end":1497.25},{"sentences":[{"text":"Yeah.","start":1497.14,"end":1497.38,"sentiment":"neutral","sentiment_score":0.08642303943634033},{"text":"That's that's okay.","start":1497.38,"end":1498.9,"sentiment":"neutral","sentiment_score":0.24147668977578482},{"text":"If you wanted to send me through an updated statement with your interest rate, I can have a look at it for you if you like and send you through a comparison.","start":1498.9,"end":1506.4401,"sentiment":"neutral","sentiment_score":0.19096893747337162},{"text":"That's absolutely fine.","start":1506.66,"end":1508.04,"sentiment":"positive","sentiment_score":0.4722021222114563}],"sentiment":"neutral","sentiment_score":0.2138068070396399,"channel":0,"num_words":39,"start":1497.14,"end":1508.04},{"sentences":[{"text":"yep.","start":1508.45,"end":1508.95,"sentiment":"neutral","sentiment_score":0.22227226197719577}],"sentiment":"neutral","sentiment_score":0.22227226197719577,"channel":1,"num_words":1,"start":1508.45,"end":1508.95},{"sentences":[{"text":"With with the, I mean, with the portfolios, the interest the sorry.","start":1509.3351,"end":1514.935,"sentiment":"neutral","sentiment_score":0.1015739490588506},{"text":"The rate of return that you've got in here is showing you the average over the past three to five years.","start":1514.935,"end":1520.3151,"sentiment":"neutral","sentiment_score":0.1148295948902766},{"text":"But","start":1520.64,"end":1520.88,"sentiment":"neutral","sentiment_score":0.17524659633636477}],"sentiment":"neutral","sentiment_score":0.11192810228642296,"channel":0,"num_words":34,"start":1509.3351,"end":1520.88},{"sentences":[{"text":"Yep.","start":1520.8351,"end":1521.3351,"sentiment":"neutral","sentiment_score":0.22363004088401792}],"sentiment":"neutral","sentiment_score":0.22363004088401792,"channel":1,"num_words":1,"start":1520.8351,"end":1521.3351},{"sentences":[{"text":"these portfolios can see rates of return of five, ten, 20%.","start":1520.88,"end":1525.9401,"sentiment":"neutral","sentiment_score":0.27882895144549286},{"text":"And with a","start":1526.24,"end":1526.72,"sentiment":"neutral","sentiment_score":0.3155636141697566}],"sentiment":"neutral","sentiment_score":0.2867006648864065,"channel":0,"num_words":14,"start":1520.88,"end":1526.72},{"sentences":[{"text":"Yes.","start":1526.61,"end":1527.11,"sentiment":"positive","sentiment_score":0.3371521830558777}],"sentiment":"positive","sentiment_score":0.3371521830558777,"channel":1,"num_words":1,"start":1526.61,"end":1527.11},{"sentences":[{"text":"balance of a 110,000, even having a three or a 5% return can make a bit of a difference, especially when it is compounded.","start":1526.72,"end":1533.7001,"sentiment":"positive","sentiment_score":0.4234982567528884},{"text":"So you could see this grow pretty significantly.","start":1533.92,"end":1536.655,"sentiment":"positive","sentiment_score":0.46177412336692214},{"text":"To make it easier, if you just scroll down for me to page 33, I'll actually show you the projection before I","start":1537.355,"end":1546.0751,"sentiment":"neutral","sentiment_score":0.06316035528751937}],"sentiment":"neutral","sentiment_score":0.28236442528389116,"channel":0,"num_words":54,"start":1526.72,"end":1546.0751},{"sentences":[{"text":"Yep.","start":1546.025,"end":1546.525,"sentiment":"neutral","sentiment_score":0.0514502078294754}],"sentiment":"neutral","sentiment_score":0.0514502078294754,"channel":1,"num_words":1,"start":1546.025,"end":1546.525},{"sentences":[{"text":"go through the changes because","start":1546.0751,"end":1547.355,"sentiment":"neutral","sentiment_score":0.0433419082313776}],"sentiment":"neutral","sentiment_score":0.0433419082313776,"channel":0,"num_words":5,"start":1546.0751,"end":1547.355},{"sentences":[{"text":"Okay.","start":1547.7849,"end":1548.1849,"sentiment":"neutral","sentiment_score":0.05015324801206589},{"text":"I'm on the yep.","start":1548.1849,"end":1549.4049,"sentiment":"neutral","sentiment_score":0.0723990835249424}],"sentiment":"neutral","sentiment_score":0.0679499164223671,"channel":1,"num_words":5,"start":1547.7849,"end":1549.4049},{"sentences":[{"text":"yeah.","start":1549.6,"end":1550.08,"sentiment":"neutral","sentiment_score":0.07416558265686035},{"text":"So you'll see you've got your current balance at the moment, which is $112,003.08 5.","start":1550.08,"end":1555.14,"sentiment":"neutral","sentiment_score":0.07974511881669362},{"text":"If I'm making","start":1555.2799,"end":1555.84,"sentiment":"neutral","sentiment_score":0.035470070938269295}],"sentiment":"neutral","sentiment_score":0.07246066198537224,"channel":0,"num_words":19,"start":1549.6,"end":1555.84},{"sentences":[{"text":"Mhmm.","start":1555.64,"end":1556.14,"sentiment":"neutral","sentiment_score":0.03183593600988388}],"sentiment":"neutral","sentiment_score":0.03183593600988388,"channel":1,"num_words":1,"start":1555.64,"end":1556.14},{"sentences":[{"text":"the changes, I'll take you back to this in a moment.","start":1555.84,"end":1558.1599,"sentiment":"neutral","sentiment_score":0.03301396153189919},{"text":"The CDT expected is $2.69, for $269.","start":1558.1599,"end":1562.565,"sentiment":"neutral","sentiment_score":0.06789557635784149},{"text":"We're saving about $720 in investment fees,","start":1563.365,"end":1567.065,"sentiment":"positive","sentiment_score":0.39834016135760714}],"sentiment":"neutral","sentiment_score":0.14507214963436127,"channel":0,"num_words":25,"start":1555.84,"end":1567.065},{"sentences":[{"text":"Yep.","start":1567.5599,"end":1568.0599,"sentiment":"positive","sentiment_score":0.4375265836715698}],"sentiment":"positive","sentiment_score":0.4375265836715698,"channel":1,"num_words":1,"start":1567.5599,"end":1568.0599},{"sentences":[{"text":"and the portfolio that you're in currently has averaged 6.07%, whereas this newer portfolio has averaged 12.97%.","start":1567.7649,"end":1577.45,"sentiment":"neutral","sentiment_score":0.19688189599443884},{"text":"So, again, you may not get that.","start":1577.45,"end":1579.0499,"sentiment":"neutral","sentiment_score":0.07865352290017265},{"text":"You might get a 5% return one year,","start":1579.0499,"end":1581.0499,"sentiment":"neutral","sentiment_score":0.3023998290300369}],"sentiment":"neutral","sentiment_score":0.19739892263896763,"channel":0,"num_words":32,"start":1567.7649,"end":1581.0499},{"sentences":[{"text":"Yep.","start":1580.955,"end":1581.275,"sentiment":"neutral","sentiment_score":0.2857987880706787}],"sentiment":"neutral","sentiment_score":0.2857987880706787,"channel":1,"num_words":1,"start":1580.955,"end":1581.275},{"sentences":[{"text":"a 10","start":1581.0499,"end":1581.45,"sentiment":"neutral","sentiment_score":0.33303573727607727}],"sentiment":"neutral","sentiment_score":0.33303573727607727,"channel":0,"num_words":2,"start":1581.0499,"end":1581.45},{"sentences":[{"text":"Yep.","start":1581.275,"end":1581.755,"sentiment":"neutral","sentiment_score":0.2555427551269531}],"sentiment":"neutral","sentiment_score":0.2555427551269531,"channel":1,"num_words":1,"start":1581.275,"end":1581.755},{"sentences":[{"text":"percent return","start":1581.45,"end":1582.0099,"sentiment":"positive","sentiment_score":0.33770231902599335}],"sentiment":"positive","sentiment_score":0.33770231902599335,"channel":0,"num_words":2,"start":1581.45,"end":1582.0099},{"sentences":[{"text":"Yep.","start":1581.755,"end":1582.255,"sentiment":"neutral","sentiment_score":0.28382807970046997}],"sentiment":"neutral","sentiment_score":0.28382807970046997,"channel":1,"num_words":1,"start":1581.755,"end":1582.255},{"sentences":[{"text":"the next year.","start":1582.0099,"end":1582.73,"sentiment":"neutral","sentiment_score":0.29601099093755084},{"text":"You might get a 15 or 20% return the following year, and it's absolutely","start":1582.73,"end":1586.5099,"sentiment":"positive","sentiment_score":0.4829018052135195}],"sentiment":"positive","sentiment_score":0.4499210732824662,"channel":0,"num_words":17,"start":1582.0099,"end":1586.5099},{"sentences":[{"text":"Yep.","start":1586.08,"end":1586.58,"sentiment":"positive","sentiment_score":0.4173984229564667}],"sentiment":"positive","sentiment_score":0.4173984229564667,"channel":1,"num_words":1,"start":1586.08,"end":1586.58},{"sentences":[{"text":"possible even without contributions going in.","start":1586.57,"end":1589.47,"sentiment":"neutral","sentiment_score":0.023785162717103958},{"text":"Because","start":1589.745,"end":1589.985,"sentiment":"neutral","sentiment_score":0.14613717794418335}],"sentiment":"neutral","sentiment_score":0.041264022035258155,"channel":0,"num_words":7,"start":1586.57,"end":1589.985},{"sentences":[{"text":"Mhmm.","start":1589.84,"end":1590.34,"sentiment":"neutral","sentiment_score":0.18115544319152832}],"sentiment":"neutral","sentiment_score":0.18115544319152832,"channel":1,"num_words":1,"start":1589.84,"end":1590.34},{"sentences":[{"text":"the one good thing about these is that all of these investments do also pay, except for gold, they do pay dividends.","start":1589.985,"end":1598.085,"sentiment":"positive","sentiment_score":0.38202265717766504},{"text":"So we've got dividends with the fixed interest and the the comp the bonds.","start":1598.305,"end":1602.725,"sentiment":"neutral","sentiment_score":0.28230241579668863},{"text":"We're also getting coupon payments with interest payments being paid out, and these","start":1602.98,"end":1607.22,"sentiment":"neutral","sentiment_score":0.23990115294089684}],"sentiment":"neutral","sentiment_score":0.31582545443457,"channel":0,"num_words":49,"start":1589.985,"end":1607.22},{"sentences":[{"text":"Mhmm.","start":1607.125,"end":1607.2849,"sentiment":"neutral","sentiment_score":0.16259771585464478}],"sentiment":"neutral","sentiment_score":0.16259771585464478,"channel":1,"num_words":1,"start":1607.125,"end":1607.2849},{"sentences":[{"text":"are","start":1607.22,"end":1607.38,"sentiment":"neutral","sentiment_score":0.1143445521593094}],"sentiment":"neutral","sentiment_score":0.1143445521593094,"channel":0,"num_words":1,"start":1607.22,"end":1607.38},{"sentences":[{"text":"Yes.","start":1607.2849,"end":1607.7849,"sentiment":"neutral","sentiment_score":0.18704545497894287}],"sentiment":"neutral","sentiment_score":0.18704545497894287,"channel":1,"num_words":1,"start":1607.2849,"end":1607.7849},{"sentences":[{"text":"going into your cash account.","start":1607.38,"end":1609.06,"sentiment":"neutral","sentiment_score":0.19429530203342438},{"text":"So your funds are still paying income to you.","start":1609.06,"end":1611.62,"sentiment":"neutral","sentiment_score":0.2512630108329985},{"text":"That gets paid to your cash account, and that's it then gets reinvested back into your portfolio.","start":1611.62,"end":1616.4401,"sentiment":"neutral","sentiment_score":0.27889644749024334},{"text":"And","start":1616.995,"end":1617.1549,"sentiment":"neutral","sentiment_score":0.2054893523454666}],"sentiment":"neutral","sentiment_score":0.255611642729491,"channel":0,"num_words":32,"start":1607.38,"end":1617.1549},{"sentences":[{"text":"Yes.","start":1617.04,"end":1617.54,"sentiment":"neutral","sentiment_score":0.2268752157688141}],"sentiment":"neutral","sentiment_score":0.2268752157688141,"channel":1,"num_words":1,"start":1617.04,"end":1617.54},{"sentences":[{"text":"that does help with the compounding effect.","start":1617.1549,"end":1619.255,"sentiment":"neutral","sentiment_score":0.29053378105163574},{"text":"So it's not to say it definitely won't grow.","start":1619.315,"end":1622.115,"sentiment":"neutral","sentiment_score":-0.05639313658078512},{"text":"If there was any chance I saw it starting to go backwards, I would absolutely say pull it out.","start":1622.115,"end":1626.515,"sentiment":"neutral","sentiment_score":-0.2991975004735746},{"text":"It is not worth doing so.","start":1626.515,"end":1628.2949,"sentiment":"negative","sentiment_score":-0.5928218513727188}],"sentiment":"neutral","sentiment_score":-0.18818257022194745,"channel":0,"num_words":41,"start":1617.1549,"end":1628.2949},{"sentences":[{"text":"Yep.","start":1628.4249,"end":1628.825,"sentiment":"neutral","sentiment_score":-0.01862136647105217},{"text":"Yep.","start":1628.825,"end":1629.325,"sentiment":"neutral","sentiment_score":0.017297005280852318}],"sentiment":"neutral","sentiment_score":-0.000662180595099926,"channel":1,"num_words":2,"start":1628.4249,"end":1629.325},{"sentences":[{"text":"But having a look at this at the moment with the way the markets are reacting, the the kind of growth we can expect and see, there's a chance that you could go over the next five years have either a 167,000, or if the market","start":1629.1549,"end":1642.61,"sentiment":"neutral","sentiment_score":0.09341593880368315}],"sentiment":"neutral","sentiment_score":0.09341593880368315,"channel":0,"num_words":46,"start":1629.1549,"end":1642.61},{"sentences":[{"text":"Mhmm.","start":1642.42,"end":1642.92,"sentiment":"neutral","sentiment_score":0.10799622535705566}],"sentiment":"neutral","sentiment_score":0.10799622535705566,"channel":1,"num_words":1,"start":1642.42,"end":1642.92},{"sentences":[{"text":"still performed, if you are able to get a 12.97% return even with no contributions, you could end up in ten years with about 250,000 in there.","start":1642.61,"end":1651.895,"sentiment":"neutral","sentiment_score":0.2949684587893663},{"text":"So it's definitely","start":1651.895,"end":1653.255,"sentiment":"neutral","sentiment_score":0.18389230966567993}],"sentiment":"neutral","sentiment_score":0.2838608438769976,"channel":0,"num_words":30,"start":1642.61,"end":1653.255},{"sentences":[{"text":"Yep.","start":1653.025,"end":1653.525,"sentiment":"neutral","sentiment_score":0.19477085769176483}],"sentiment":"neutral","sentiment_score":0.19477085769176483,"channel":1,"num_words":1,"start":1653.025,"end":1653.525},{"sentences":[{"text":"not as much growth as what Peter Soufri is seeing, but it does see that growth.","start":1653.255,"end":1657.8151,"sentiment":"neutral","sentiment_score":0.20646304730325937},{"text":"The money is still invested.","start":1657.8151,"end":1659.1951,"sentiment":"positive","sentiment_score":0.38387575149536135},{"text":"And you can","start":1659.9,"end":1660.54,"sentiment":"neutral","sentiment_score":0.256081501642863}],"sentiment":"neutral","sentiment_score":0.24962633413573107,"channel":0,"num_words":24,"start":1653.255,"end":1660.54},{"sentences":[{"text":"Yep.","start":1660.2251,"end":1660.7251,"sentiment":"neutral","sentiment_score":0.19813531637191772}],"sentiment":"neutral","sentiment_score":0.19813531637191772,"channel":1,"num_words":1,"start":1660.2251,"end":1660.7251},{"sentences":[{"text":"still pull it down if you do need, you know, additional funds here and there for bills or for, you know, something big or a holiday or something because you're not working and you're over 60.","start":1660.54,"end":1669.4401,"sentiment":"neutral","sentiment_score":0.016938821205662355},{"text":"You have","start":1669.74,"end":1670.2201,"sentiment":"neutral","sentiment_score":0.13756325840950012}],"sentiment":"neutral","sentiment_score":0.02328747579533803,"channel":0,"num_words":38,"start":1660.54,"end":1670.2201},{"sentences":[{"text":"Yes.","start":1670.11,"end":1670.61,"sentiment":"neutral","sentiment_score":0.18850727379322052}],"sentiment":"neutral","sentiment_score":0.18850727379322052,"channel":1,"num_words":1,"start":1670.11,"end":1670.61},{"sentences":[{"text":"full access to this money.","start":1670.2201,"end":1671.8401,"sentiment":"neutral","sentiment_score":0.2952267587184906}],"sentiment":"neutral","sentiment_score":0.2952267587184906,"channel":0,"num_words":5,"start":1670.2201,"end":1671.8401},{"sentences":[{"text":"Mhmm.","start":1672.4299,"end":1672.9299,"sentiment":"neutral","sentiment_score":0.07914265990257263}],"sentiment":"neutral","sentiment_score":0.07914265990257263,"channel":1,"num_words":1,"start":1672.4299,"end":1672.9299},{"sentences":[{"text":"But in saying that, if if you just wanna pay off the mortgage, you're welcome to ring me and go, Dana, I'm done.","start":1672.5951,"end":1677.875,"sentiment":"neutral","sentiment_score":0.07538244516953178},{"text":"Take my money out.","start":1677.875,"end":1678.755,"sentiment":"neutral","sentiment_score":-0.07625255640596151},{"text":"I just wanna put on the mortgage and reduce the amount we have.","start":1678.755,"end":1681.5751,"sentiment":"neutral","sentiment_score":0.016530553595377848},{"text":"We would just pull it out.","start":1681.7151,"end":1682.8351,"sentiment":"neutral","sentiment_score":0.11649690568447113},{"text":"It can be done as a transaction without advice nice and quickly.","start":1682.8351,"end":1686.2151,"sentiment":"neutral","sentiment_score":0.2646821116407712}],"sentiment":"neutral","sentiment_score":0.09515258592778239,"channel":0,"num_words":58,"start":1672.5951,"end":1686.2151},{"sentences":[{"text":"It can go","start":1686.5299,"end":1687.01,"sentiment":"neutral","sentiment_score":0.09179906298716863}],"sentiment":"neutral","sentiment_score":0.09179906298716863,"channel":0,"num_words":3,"start":1686.5299,"end":1687.01},{"sentences":[{"text":"Yes.","start":1686.9249,"end":1687.4249,"sentiment":"neutral","sentiment_score":0.15254303812980652}],"sentiment":"neutral","sentiment_score":0.15254303812980652,"channel":1,"num_words":1,"start":1686.9249,"end":1687.4249},{"sentences":[{"text":"on the mortgage.","start":1687.01,"end":1687.99,"sentiment":"neutral","sentiment_score":0.14616994559764862},{"text":"And you're still young enough that if you change your mind, we can always put some back into super.","start":1688.21,"end":1692.71,"sentiment":"neutral","sentiment_score":0.18332902381294652},{"text":"So","start":1693.33,"end":1693.49,"sentiment":"neutral","sentiment_score":0.11722015589475632}],"sentiment":"neutral","sentiment_score":0.17560788891885593,"channel":0,"num_words":23,"start":1687.01,"end":1693.49},{"sentences":[{"text":"Yes.","start":1693.43,"end":1693.75,"sentiment":"neutral","sentiment_score":0.09549633413553238}],"sentiment":"neutral","sentiment_score":0.09549633413553238,"channel":1,"num_words":1,"start":1693.43,"end":1693.75},{"sentences":[{"text":"or","start":1693.73,"end":1693.8899,"sentiment":"neutral","sentiment_score":0.09572508931159972}],"sentiment":"neutral","sentiment_score":0.09572508931159972,"channel":0,"num_words":1,"start":1693.73,"end":1693.8899},{"sentences":[{"text":"Yes.","start":1693.75,"end":1694.25,"sentiment":"neutral","sentiment_score":0.11663738638162612}],"sentiment":"neutral","sentiment_score":0.11663738638162612,"channel":1,"num_words":1,"start":1693.75,"end":1694.25},{"sentences":[{"text":"invest it in other ways.","start":1693.8899,"end":1695.09,"sentiment":"neutral","sentiment_score":0.14000430703163147},{"text":"So you do definitely","start":1695.09,"end":1696.13,"sentiment":"neutral","sentiment_score":0.1914980784058571}],"sentiment":"neutral","sentiment_score":0.16289042764239842,"channel":0,"num_words":9,"start":1693.8899,"end":1696.13},{"sentences":[{"text":"Yes.","start":1695.91,"end":1696.41,"sentiment":"neutral","sentiment_score":0.12441907078027724}],"sentiment":"neutral","sentiment_score":0.12441907078027724,"channel":1,"num_words":1,"start":1695.91,"end":1696.41},{"sentences":[{"text":"have other options there to have a look at.","start":1696.13,"end":1698.465,"sentiment":"neutral","sentiment_score":0.11258568200800154},{"text":"Yeah.","start":1698.705,"end":1699.205,"sentiment":"neutral","sentiment_score":0.10960516333580016}],"sentiment":"neutral","sentiment_score":0.1122876301407814,"channel":0,"num_words":10,"start":1696.13,"end":1699.205},{"sentences":[{"text":"Okay.","start":1699.99,"end":1700.49,"sentiment":"neutral","sentiment_score":0.1404108703136444}],"sentiment":"neutral","sentiment_score":0.1404108703136444,"channel":1,"num_words":1,"start":1699.99,"end":1700.49},{"sentences":[{"text":"Yeah.","start":1700.945,"end":1701.445,"sentiment":"neutral","sentiment_score":0.17712579667568207},{"text":"Well, good.","start":1701.585,"end":1702.4049,"sentiment":"positive","sentiment_score":0.34325483441352844},{"text":"But that's essentially, like, the changes made to yours and where we can see it going.","start":1702.705,"end":1707.125,"sentiment":"neutral","sentiment_score":0.24986271187663078},{"text":"I","start":1707.505,"end":1707.745,"sentiment":"neutral","sentiment_score":0.10199333727359772}],"sentiment":"neutral","sentiment_score":0.24817160964012147,"channel":0,"num_words":20,"start":1700.945,"end":1707.745},{"sentences":[{"text":"Mhmm.","start":1707.7251,"end":1708.2251,"sentiment":"neutral","sentiment_score":0.07900727540254593}],"sentiment":"neutral","sentiment_score":0.07900727540254593,"channel":1,"num_words":1,"start":1707.7251,"end":1708.2251},{"sentences":[{"text":"do wanna make sure we do catch up to see how it is tracking, and I will make sure do you guys prefer maybe a catch up once every three or six months?","start":1707.745,"end":1717.61,"sentiment":"neutral","sentiment_score":0.07118931288520496},{"text":"Do you how often would you like to sort of see a catch up moving forward?","start":1717.61,"end":1721.15,"sentiment":"neutral","sentiment_score":0.041108733508735895}],"sentiment":"neutral","sentiment_score":0.06136708288472526,"channel":0,"num_words":49,"start":1707.745,"end":1721.15},{"sentences":[{"text":"We're pretty confident in you, Dana.","start":1722.21,"end":1724.0499,"sentiment":"positive","sentiment_score":0.56654425462087},{"text":"We're we're happy to go with this what you do for us now.","start":1724.0499,"end":1727.59,"sentiment":"positive","sentiment_score":0.7501462377034701},{"text":"You","start":1727.8099,"end":1728.0499,"sentiment":"neutral","sentiment_score":0.25732293725013733}],"sentiment":"positive","sentiment_score":0.6704244777560234,"channel":1,"num_words":20,"start":1722.21,"end":1728.0499},{"sentences":[{"text":"Yeah.","start":1728.0901,"end":1728.5901,"sentiment":"neutral","sentiment_score":0.2765345871448517}],"sentiment":"neutral","sentiment_score":0.2765345871448517,"channel":0,"num_words":1,"start":1728.0901,"end":1728.5901},{"sentences":[{"text":"you're watching you're watching it all the time.","start":1728.13,"end":1729.97,"sentiment":"neutral","sentiment_score":0.1699640490114689},{"text":"Like, as you said,","start":1729.97,"end":1730.7699,"sentiment":"neutral","sentiment_score":0.13729014433920383}],"sentiment":"neutral","sentiment_score":0.1590727474540472,"channel":1,"num_words":12,"start":1728.13,"end":1730.7699},{"sentences":[{"text":"I","start":1730.715,"end":1730.955,"sentiment":"neutral","sentiment_score":0.0909559428691864}],"sentiment":"neutral","sentiment_score":0.0909559428691864,"channel":0,"num_words":1,"start":1730.715,"end":1730.955},{"sentences":[{"text":"if anything","start":1730.7699,"end":1731.4299,"sentiment":"neutral","sentiment_score":0.10011526942253113}],"sentiment":"neutral","sentiment_score":0.10011526942253113,"channel":1,"num_words":2,"start":1730.7699,"end":1731.4299},{"sentences":[{"text":"am.","start":1730.955,"end":1731.455,"sentiment":"neutral","sentiment_score":0.050738804042339325}],"sentiment":"neutral","sentiment_score":0.050738804042339325,"channel":0,"num_words":1,"start":1730.955,"end":1731.455},{"sentences":[{"text":"dramatic gonna","start":1731.8099,"end":1732.69,"sentiment":"neutral","sentiment_score":0.03902020491659641}],"sentiment":"neutral","sentiment_score":0.03902020491659641,"channel":1,"num_words":2,"start":1731.8099,"end":1732.69},{"sentences":[{"text":"Yeah.","start":1732.635,"end":1733.135,"sentiment":"neutral","sentiment_score":0.12750819325447085}],"sentiment":"neutral","sentiment_score":0.12750819325447085,"channel":0,"num_words":1,"start":1732.635,"end":1733.135},{"sentences":[{"text":"happen, you'll let me know to get it out.","start":1732.69,"end":1734.895,"sentiment":"neutral","sentiment_score":0.18277228623628616},{"text":"I'm happy with that.","start":1734.895,"end":1735.855,"sentiment":"positive","sentiment_score":0.42555343359708786}],"sentiment":"neutral","sentiment_score":0.25747417773191744,"channel":1,"num_words":13,"start":1732.69,"end":1735.855},{"sentences":[{"text":"Yeah.","start":1735.595,"end":1735.755,"sentiment":"neutral","sentiment_score":0.22203022241592407},{"text":"Yeah.","start":1735.755,"end":1736.255,"sentiment":"neutral","sentiment_score":0.2299955040216446}],"sentiment":"neutral","sentiment_score":0.22601286321878433,"channel":0,"num_words":2,"start":1735.595,"end":1736.255},{"sentences":[{"text":"Yeah.","start":1735.855,"end":1736.255,"sentiment":"neutral","sentiment_score":0.23818561434745789},{"text":"So","start":1736.255,"end":1736.755,"sentiment":"neutral","sentiment_score":0.28683340549468994}],"sentiment":"neutral","sentiment_score":0.2625095099210739,"channel":1,"num_words":2,"start":1735.855,"end":1736.755},{"sentences":[{"text":"It's","start":1736.635,"end":1736.955,"sentiment":"positive","sentiment_score":0.34733256697654724}],"sentiment":"positive","sentiment_score":0.34733256697654724,"channel":0,"num_words":1,"start":1736.635,"end":1736.955},{"sentences":[{"text":"it's","start":1736.895,"end":1737.055,"sentiment":"positive","sentiment_score":0.3826741576194763}],"sentiment":"positive","sentiment_score":0.3826741576194763,"channel":1,"num_words":1,"start":1736.895,"end":1737.055},{"sentences":[{"text":"okay.","start":1736.955,"end":1737.455,"sentiment":"positive","sentiment_score":0.4614163637161255}],"sentiment":"positive","sentiment_score":0.4614163637161255,"channel":0,"num_words":1,"start":1736.955,"end":1737.455},{"sentences":[{"text":"all good.","start":1737.055,"end":1737.795,"sentiment":"positive","sentiment_score":0.5963179469108582},{"text":"Yeah.","start":1738.015,"end":1738.515,"sentiment":"positive","sentiment_score":0.4611191153526306}],"sentiment":"positive","sentiment_score":0.5512516697247823,"channel":1,"num_words":3,"start":1737.055,"end":1738.515},{"sentences":[{"text":"All good.","start":1738.155,"end":1738.555,"sentiment":"positive","sentiment_score":0.559770941734314},{"text":"And if if you wanna send me through a statement, I can even send you another email after the call so you've got my email there.","start":1738.555,"end":1743.755,"sentiment":"neutral","sentiment_score":0.20539256070668882},{"text":"But if you wanna","start":1743.755,"end":1744.395,"sentiment":"neutral","sentiment_score":0.06774961110204458}],"sentiment":"neutral","sentiment_score":0.21033584082033485,"channel":0,"num_words":32,"start":1738.155,"end":1744.395},{"sentences":[{"text":"Yeah.","start":1744.175,"end":1744.675,"sentiment":"neutral","sentiment_score":0.045652199536561966}],"sentiment":"neutral","sentiment_score":0.045652199536561966,"channel":1,"num_words":1,"start":1744.175,"end":1744.675},{"sentences":[{"text":"send me through another statement just with the updated things, I can have a","start":1744.395,"end":1747.76,"sentiment":"neutral","sentiment_score":0.0672864317893982}],"sentiment":"neutral","sentiment_score":0.0672864317893982,"channel":0,"num_words":14,"start":1744.395,"end":1747.76},{"sentences":[{"text":"Yes.","start":1747.74,"end":1748.24,"sentiment":"neutral","sentiment_score":0.2006382197141647}],"sentiment":"neutral","sentiment_score":0.2006382197141647,"channel":1,"num_words":1,"start":1747.74,"end":1748.24},{"sentences":[{"text":"look and give you a comparison email to show, you know, what paying this down could do and how it could how much interest you could expect to kinda save on putting this money towards your mortgage just to give you a comparison","start":1747.76,"end":1761.125,"sentiment":"neutral","sentiment_score":0.2690924849621085}],"sentiment":"neutral","sentiment_score":0.2690924849621085,"channel":0,"num_words":43,"start":1747.76,"end":1761.125},{"sentences":[{"text":"Yes.","start":1760.78,"end":1761.28,"sentiment":"neutral","sentiment_score":0.2708122730255127}],"sentiment":"neutral","sentiment_score":0.2708122730255127,"channel":1,"num_words":1,"start":1760.78,"end":1761.28},{"sentences":[{"text":"so you can kind kinda have a think about what you'd like to do.","start":1761.265,"end":1764.325,"sentiment":"neutral","sentiment_score":0.2668295790042196},{"text":"Yeah.","start":1764.545,"end":1765.045,"sentiment":"neutral","sentiment_score":0.16552741825580597}],"sentiment":"neutral","sentiment_score":0.26007610162099204,"channel":0,"num_words":15,"start":1761.265,"end":1765.045},{"sentences":[{"text":"Yep.","start":1764.915,"end":1765.415,"sentiment":"neutral","sentiment_score":0.1796589493751526},{"text":"Alright then.","start":1765.795,"end":1766.775,"sentiment":"neutral","sentiment_score":0.2147303968667984}],"sentiment":"neutral","sentiment_score":0.20303991436958313,"channel":1,"num_words":3,"start":1764.915,"end":1766.775},{"sentences":[{"text":"Yeah.","start":1766.385,"end":1766.885,"sentiment":"neutral","sentiment_score":0.22800494730472565},{"text":"Oh, good.","start":1767.345,"end":1768.165,"sentiment":"positive","sentiment_score":0.37853802740573883},{"text":"So back up on page number 30 there, you'll just","start":1768.785,"end":1771.585,"sentiment":"neutral","sentiment_score":0.11459721475839615}],"sentiment":"neutral","sentiment_score":0.16392716536155114,"channel":0,"num_words":13,"start":1766.385,"end":1771.585},{"sentences":[{"text":"Yep.","start":1771.3151,"end":1771.7151,"sentiment":"neutral","sentiment_score":0.08936524391174316}],"sentiment":"neutral","sentiment_score":0.08936524391174316,"channel":1,"num_words":1,"start":1771.3151,"end":1771.7151},{"sentences":[{"text":"see","start":1771.585,"end":1771.825,"sentiment":"neutral","sentiment_score":0.09913013130426408}],"sentiment":"neutral","sentiment_score":0.09913013130426408,"channel":0,"num_words":1,"start":1771.585,"end":1771.825},{"sentences":[{"text":"I","start":1771.7151,"end":1771.875,"sentiment":"neutral","sentiment_score":0.08433002233505249}],"sentiment":"neutral","sentiment_score":0.08433002233505249,"channel":1,"num_words":1,"start":1771.7151,"end":1771.875},{"sentences":[{"text":"a","start":1771.825,"end":1771.985,"sentiment":"neutral","sentiment_score":0.08751530945301056}],"sentiment":"neutral","sentiment_score":0.08751530945301056,"channel":0,"num_words":1,"start":1771.825,"end":1771.985},{"sentences":[{"text":"got","start":1771.875,"end":1772.115,"sentiment":"neutral","sentiment_score":0.060316652059555054}],"sentiment":"neutral","sentiment_score":0.060316652059555054,"channel":1,"num_words":1,"start":1771.875,"end":1772.115},{"sentences":[{"text":"lot","start":1771.985,"end":1772.225,"sentiment":"neutral","sentiment_score":0.0569874532520771}],"sentiment":"neutral","sentiment_score":0.0569874532520771,"channel":0,"num_words":1,"start":1771.985,"end":1772.225},{"sentences":[{"text":"it.","start":1772.115,"end":1772.615,"sentiment":"neutral","sentiment_score":0.08823902904987335}],"sentiment":"neutral","sentiment_score":0.08823902904987335,"channel":1,"num_words":1,"start":1772.115,"end":1772.615},{"sentences":[{"text":"there are a lot of the same investments.","start":1772.305,"end":1774.73,"sentiment":"neutral","sentiment_score":0.05355725483968854},{"text":"So we're just gonna sell off some of your gold.","start":1775.11,"end":1777.5901,"sentiment":"neutral","sentiment_score":0.05168446972966194},{"text":"You've got about 20% gold in there at the moment.","start":1777.5901,"end":1780.15,"sentiment":"neutral","sentiment_score":0.2047084242105484},{"text":"It's a beautiful increase in your in your portfolio.","start":1780.15,"end":1782.97,"sentiment":"positive","sentiment_score":0.5935340027014414},{"text":"So selling off some of that and just retaining 10,000 in there, gold is a really great growth investment, but the downside to gold is it doesn't pay any income.","start":1784.15,"end":1793.405,"sentiment":"neutral","sentiment_score":0.1764708841840426}],"sentiment":"neutral","sentiment_score":0.20340775414856513,"channel":0,"num_words":67,"start":1772.305,"end":1793.405},{"sentences":[{"text":"So you wanna make sure you're getting some income investments.","start":1793.405,"end":1796.385,"sentiment":"neutral","sentiment_score":0.051383452489972115}],"sentiment":"neutral","sentiment_score":0.051383452489972115,"channel":0,"num_words":10,"start":1793.405,"end":1796.385},{"sentences":[{"text":"Oh,","start":1797.0549,"end":1797.215,"sentiment":"neutral","sentiment_score":0.04904390126466751}],"sentiment":"neutral","sentiment_score":0.04904390126466751,"channel":1,"num_words":1,"start":1797.0549,"end":1797.215},{"sentences":[{"text":"And","start":1797.165,"end":1797.325,"sentiment":"neutral","sentiment_score":0.047547269612550735}],"sentiment":"neutral","sentiment_score":0.047547269612550735,"channel":0,"num_words":1,"start":1797.165,"end":1797.325},{"sentences":[{"text":"okay.","start":1797.215,"end":1797.615,"sentiment":"neutral","sentiment_score":0.05902665480971336}],"sentiment":"neutral","sentiment_score":0.05902665480971336,"channel":1,"num_words":1,"start":1797.215,"end":1797.615},{"sentences":[{"text":"the benefit","start":1797.325,"end":1798.0651,"sentiment":"neutral","sentiment_score":0.05917159095406532}],"sentiment":"neutral","sentiment_score":0.05917159095406532,"channel":0,"num_words":2,"start":1797.325,"end":1798.0651},{"sentences":[{"text":"So does that mean so gold","start":1797.615,"end":1799.695,"sentiment":"neutral","sentiment_score":0.0820905069510142}],"sentiment":"neutral","sentiment_score":0.0820905069510142,"channel":1,"num_words":6,"start":1797.615,"end":1799.695},{"sentences":[{"text":"yeah.","start":1799.485,"end":1799.985,"sentiment":"neutral","sentiment_score":0.08897767961025238}],"sentiment":"neutral","sentiment_score":0.08897767961025238,"channel":0,"num_words":1,"start":1799.485,"end":1799.985},{"sentences":[{"text":"makes it so when you have it in gold,","start":1799.695,"end":1802.995,"sentiment":"neutral","sentiment_score":0.06765060292349921}],"sentiment":"neutral","sentiment_score":0.06765060292349921,"channel":1,"num_words":9,"start":1799.695,"end":1802.995},{"sentences":[{"text":"Yeah.","start":1803.32,"end":1803.82,"sentiment":"neutral","sentiment_score":0.12064340710639954}],"sentiment":"neutral","sentiment_score":0.12064340710639954,"channel":0,"num_words":1,"start":1803.32,"end":1803.82},{"sentences":[{"text":"how does it work for you if it's not coming back to you?","start":1803.88,"end":1806.28,"sentiment":"neutral","sentiment_score":0.08356046633651623},{"text":"I don't understand.","start":1806.28,"end":1806.84,"sentiment":"negative","sentiment_score":-0.33613884449005127},{"text":"I'm a bit dumb.","start":1806.84,"end":1807.7999,"sentiment":"negative","sentiment_score":-0.4768226891756058},{"text":"Sorry.","start":1807.7999,"end":1808.2999,"sentiment":"neutral","sentiment_score":-0.2923039197921753}],"sentiment":"neutral","sentiment_score":-0.10103453083762101,"channel":1,"num_words":21,"start":1803.88,"end":1808.2999},{"sentences":[{"text":"No.","start":1808.36,"end":1808.6799,"sentiment":"neutral","sentiment_score":-0.2271653711795807},{"text":"You you","start":1808.6799,"end":1809.24,"sentiment":"neutral","sentiment_score":-0.17897504568099976}],"sentiment":"neutral","sentiment_score":-0.19503848751386008,"channel":0,"num_words":3,"start":1808.36,"end":1809.24},{"sentences":[{"text":"When","start":1809.1599,"end":1809.32,"sentiment":"neutral","sentiment_score":-0.13149765133857727}],"sentiment":"neutral","sentiment_score":-0.13149765133857727,"channel":1,"num_words":1,"start":1809.1599,"end":1809.32},{"sentences":[{"text":"have","start":1809.24,"end":1809.74,"sentiment":"neutral","sentiment_score":-0.08520615100860596}],"sentiment":"neutral","sentiment_score":-0.08520615100860596,"channel":0,"num_words":1,"start":1809.24,"end":1809.74},{"sentences":[{"text":"you say","start":1809.32,"end":1809.88,"sentiment":"neutral","sentiment_score":-0.08799305930733681}],"sentiment":"neutral","sentiment_score":-0.08799305930733681,"channel":1,"num_words":2,"start":1809.32,"end":1809.88},{"sentences":[{"text":"asked","start":1809.7999,"end":1810.0399,"sentiment":"neutral","sentiment_score":-0.04072844237089157}],"sentiment":"neutral","sentiment_score":-0.04072844237089157,"channel":0,"num_words":1,"start":1809.7999,"end":1810.0399},{"sentences":[{"text":"income.","start":1809.88,"end":1810.38,"sentiment":"neutral","sentiment_score":-0.09403426945209505}],"sentiment":"neutral","sentiment_score":-0.09403426945209505,"channel":1,"num_words":1,"start":1809.88,"end":1810.38},{"sentences":[{"text":"a really good question.","start":1810.0399,"end":1811.08,"sentiment":"neutral","sentiment_score":-0.030891031958162785},{"text":"Yeah.","start":1811.08,"end":1811.32,"sentiment":"neutral","sentiment_score":0.03968939557671547},{"text":"It's a really great question.","start":1811.32,"end":1812.7,"sentiment":"neutral","sentiment_score":0.12252762466669083},{"text":"So gold essentially goes on the price of gold, and we look at growth.","start":1813.0,"end":1816.755,"sentiment":"neutral","sentiment_score":0.04705362846808774},{"text":"So say if you bought a a couple of shares in gold or, you know, a bit of gold and you paid $20 per share in the gold price,","start":1816.835,"end":1826.055,"sentiment":"neutral","sentiment_score":0.016191843447500263}],"sentiment":"neutral","sentiment_score":0.031265616030344424,"channel":0,"num_words":53,"start":1810.0399,"end":1826.055},{"sentences":[{"text":"Mhmm.","start":1826.5149,"end":1827.0149,"sentiment":"neutral","sentiment_score":0.04094952344894409}],"sentiment":"neutral","sentiment_score":0.04094952344894409,"channel":1,"num_words":1,"start":1826.5149,"end":1827.0149},{"sentences":[{"text":"and the next day, it went up to $50 per share.","start":1826.835,"end":1829.655,"sentiment":"neutral","sentiment_score":0.05768830871040171},{"text":"That essentially","start":1830.03,"end":1830.6901,"sentiment":"neutral","sentiment_score":0.09172045439481735}],"sentiment":"neutral","sentiment_score":0.06292402343108104,"channel":0,"num_words":13,"start":1826.835,"end":1830.6901},{"sentences":[{"text":"Yes.","start":1830.195,"end":1830.695,"sentiment":"neutral","sentiment_score":0.12759637832641602}],"sentiment":"neutral","sentiment_score":0.12759637832641602,"channel":1,"num_words":1,"start":1830.195,"end":1830.695},{"sentences":[{"text":"the difference, that $30 difference is your growth, and that's what gold does.","start":1830.91,"end":1835.31,"sentiment":"neutral","sentiment_score":0.0692120291865789},{"text":"It just grows and alters in value.","start":1835.31,"end":1837.65,"sentiment":"neutral","sentiment_score":0.007345784987722125}],"sentiment":"neutral","sentiment_score":0.04755884371697903,"channel":0,"num_words":20,"start":1830.91,"end":1837.65},{"sentences":[{"text":"Yep.","start":1837.8301,"end":1838.3301,"sentiment":"neutral","sentiment_score":0.06593537330627441}],"sentiment":"neutral","sentiment_score":0.06593537330627441,"channel":1,"num_words":1,"start":1837.8301,"end":1838.3301},{"sentences":[{"text":"So the difference between your buy price and the price that is","start":1837.87,"end":1841.79,"sentiment":"neutral","sentiment_score":0.03262424996743599}],"sentiment":"neutral","sentiment_score":0.03262424996743599,"channel":0,"num_words":12,"start":1837.87,"end":1841.79},{"sentences":[{"text":"Yep.","start":1841.75,"end":1841.91,"sentiment":"neutral","sentiment_score":0.03270126134157181}],"sentiment":"neutral","sentiment_score":0.03270126134157181,"channel":1,"num_words":1,"start":1841.75,"end":1841.91},{"sentences":[{"text":"the","start":1841.79,"end":1842.03,"sentiment":"neutral","sentiment_score":0.01731002703309059}],"sentiment":"neutral","sentiment_score":0.01731002703309059,"channel":0,"num_words":1,"start":1841.79,"end":1842.03},{"sentences":[{"text":"You","start":1841.91,"end":1842.0701,"sentiment":"neutral","sentiment_score":0.007267564535140991}],"sentiment":"neutral","sentiment_score":0.007267564535140991,"channel":1,"num_words":1,"start":1841.91,"end":1842.0701},{"sentences":[{"text":"next","start":1842.03,"end":1842.3501,"sentiment":"neutral","sentiment_score":0.005715835839509964}],"sentiment":"neutral","sentiment_score":0.005715835839509964,"channel":0,"num_words":1,"start":1842.03,"end":1842.3501},{"sentences":[{"text":"would","start":1842.0701,"end":1842.39,"sentiment":"neutral","sentiment_score":0.007207106798887253}],"sentiment":"neutral","sentiment_score":0.007207106798887253,"channel":1,"num_words":1,"start":1842.0701,"end":1842.39},{"sentences":[{"text":"day","start":1842.3501,"end":1842.67,"sentiment":"neutral","sentiment_score":0.004678923636674881}],"sentiment":"neutral","sentiment_score":0.004678923636674881,"channel":0,"num_words":1,"start":1842.3501,"end":1842.67},{"sentences":[{"text":"sell it","start":1842.39,"end":1842.71,"sentiment":"neutral","sentiment_score":-0.017044277861714363}],"sentiment":"neutral","sentiment_score":-0.017044277861714363,"channel":1,"num_words":2,"start":1842.39,"end":1842.71},{"sentences":[{"text":"or","start":1842.67,"end":1842.91,"sentiment":"neutral","sentiment_score":-0.002197936177253723}],"sentiment":"neutral","sentiment_score":-0.002197936177253723,"channel":0,"num_words":1,"start":1842.67,"end":1842.91},{"sentences":[{"text":"for.","start":1842.71,"end":1843.1901,"sentiment":"neutral","sentiment_score":-0.0069910623133182526}],"sentiment":"neutral","sentiment_score":-0.0069910623133182526,"channel":1,"num_words":1,"start":1842.71,"end":1843.1901},{"sentences":[{"text":"the next","start":1842.91,"end":1843.39,"sentiment":"neutral","sentiment_score":0.019101375713944435}],"sentiment":"neutral","sentiment_score":0.019101375713944435,"channel":0,"num_words":2,"start":1842.91,"end":1843.39},{"sentences":[{"text":"Yep.","start":1843.1901,"end":1843.6901,"sentiment":"neutral","sentiment_score":0.01910010911524296}],"sentiment":"neutral","sentiment_score":0.01910010911524296,"channel":1,"num_words":1,"start":1843.1901,"end":1843.6901},{"sentences":[{"text":"month is what you could sell it for.","start":1843.39,"end":1845.555,"sentiment":"neutral","sentiment_score":0.0189301329664886},{"text":"Correct.","start":1845.555,"end":1846.055,"sentiment":"neutral","sentiment_score":0.12949863076210022},{"text":"And that's essentially the growth, and that's all gold does.","start":1846.595,"end":1849.395,"sentiment":"neutral","sentiment_score":0.10949280709028245},{"text":"It","start":1849.395,"end":1849.635,"sentiment":"neutral","sentiment_score":0.007316507399082184}],"sentiment":"neutral","sentiment_score":0.06915921363979578,"channel":0,"num_words":20,"start":1843.39,"end":1849.635},{"sentences":[{"text":"Yep.","start":1849.605,"end":1849.925,"sentiment":"neutral","sentiment_score":0.007418361958116293}],"sentiment":"neutral","sentiment_score":0.007418361958116293,"channel":1,"num_words":1,"start":1849.605,"end":1849.925},{"sentences":[{"text":"only has","start":1849.635,"end":1850.355,"sentiment":"neutral","sentiment_score":-0.026279976591467857}],"sentiment":"neutral","sentiment_score":-0.026279976591467857,"channel":0,"num_words":2,"start":1849.635,"end":1850.355},{"sentences":[{"text":"Okay.","start":1849.925,"end":1850.425,"sentiment":"neutral","sentiment_score":-0.00977136567234993}],"sentiment":"neutral","sentiment_score":-0.00977136567234993,"channel":1,"num_words":1,"start":1849.925,"end":1850.425},{"sentences":[{"text":"growth in it.","start":1850.355,"end":1851.335,"sentiment":"neutral","sentiment_score":-0.03869422649343809}],"sentiment":"neutral","sentiment_score":-0.03869422649343809,"channel":0,"num_words":3,"start":1850.355,"end":1851.335},{"sentences":[{"text":"And how does","start":1851.285,"end":1851.925,"sentiment":"neutral","sentiment_score":0.0050531184921662016}],"sentiment":"neutral","sentiment_score":0.0050531184921662016,"channel":1,"num_words":3,"start":1851.285,"end":1851.925},{"sentences":[{"text":"Whereas","start":1851.795,"end":1852.295,"sentiment":"neutral","sentiment_score":0.019428033381700516}],"sentiment":"neutral","sentiment_score":0.019428033381700516,"channel":0,"num_words":1,"start":1851.795,"end":1852.295},{"sentences":[{"text":"that compare to something else?","start":1851.925,"end":1853.4651,"sentiment":"neutral","sentiment_score":0.027919179946184158}],"sentiment":"neutral","sentiment_score":0.027919179946184158,"channel":1,"num_words":5,"start":1851.925,"end":1853.4651},{"sentences":[{"text":"absolutely.","start":1853.955,"end":1854.455,"sentiment":"neutral","sentiment_score":0.2866411805152893},{"text":"So your S and P 500 and, say, your Vanguard fixed interest,","start":1854.675,"end":1858.615,"sentiment":"neutral","sentiment_score":0.10488732780019443}],"sentiment":"neutral","sentiment_score":0.11886839339366326,"channel":0,"num_words":13,"start":1853.955,"end":1858.615},{"sentences":[{"text":"Mhmm.","start":1859.045,"end":1859.52,"sentiment":"neutral","sentiment_score":0.09762871265411376}],"sentiment":"neutral","sentiment_score":0.09762871265411376,"channel":1,"num_words":1,"start":1859.045,"end":1859.52},{"sentences":[{"text":"those investments pay income, which is like dividends.","start":1859.1799,"end":1862.72,"sentiment":"neutral","sentiment_score":0.0894621005281806},{"text":"So","start":1863.1,"end":1863.6,"sentiment":"neutral","sentiment_score":0.06405425071716309}],"sentiment":"neutral","sentiment_score":0.08663900610473421,"channel":0,"num_words":9,"start":1859.1799,"end":1863.6},{"sentences":[{"text":"Okay.","start":1863.4401,"end":1863.9401,"sentiment":"neutral","sentiment_score":0.08660006523132324}],"sentiment":"neutral","sentiment_score":0.08660006523132324,"channel":1,"num_words":1,"start":1863.4401,"end":1863.9401},{"sentences":[{"text":"as an example, if you held BHP or CBA shares,","start":1863.82,"end":1868.0,"sentiment":"neutral","sentiment_score":0.055058318004012105}],"sentiment":"neutral","sentiment_score":0.055058318004012105,"channel":0,"num_words":10,"start":1863.82,"end":1868.0},{"sentences":[{"text":"Yep.","start":1868.56,"end":1869.06,"sentiment":"neutral","sentiment_score":0.09185787290334702}],"sentiment":"neutral","sentiment_score":0.09185787290334702,"channel":1,"num_words":1,"start":1868.56,"end":1869.06},{"sentences":[{"text":"those companies earn income every year.","start":1868.7,"end":1871.26,"sentiment":"neutral","sentiment_score":0.09670436382293701},{"text":"And","start":1871.26,"end":1871.76,"sentiment":"neutral","sentiment_score":0.05903115123510361}],"sentiment":"neutral","sentiment_score":0.09132247631038938,"channel":0,"num_words":7,"start":1868.7,"end":1871.76},{"sentences":[{"text":"Okay.","start":1871.6,"end":1872.0,"sentiment":"neutral","sentiment_score":0.06544440984725952}],"sentiment":"neutral","sentiment_score":0.06544440984725952,"channel":1,"num_words":1,"start":1871.6,"end":1872.0},{"sentences":[{"text":"at the","start":1871.82,"end":1872.22,"sentiment":"neutral","sentiment_score":0.040565215051174164}],"sentiment":"neutral","sentiment_score":0.040565215051174164,"channel":0,"num_words":2,"start":1871.82,"end":1872.22},{"sentences":[{"text":"I'm with","start":1872.0,"end":1872.48,"sentiment":"neutral","sentiment_score":0.03548344597220421}],"sentiment":"neutral","sentiment_score":0.03548344597220421,"channel":1,"num_words":2,"start":1872.0,"end":1872.48},{"sentences":[{"text":"at","start":1872.38,"end":1872.62,"sentiment":"neutral","sentiment_score":0.02234940603375435}],"sentiment":"neutral","sentiment_score":0.02234940603375435,"channel":0,"num_words":1,"start":1872.38,"end":1872.62},{"sentences":[{"text":"you.","start":1872.48,"end":1872.885,"sentiment":"neutral","sentiment_score":0.02776392363011837}],"sentiment":"neutral","sentiment_score":0.02776392363011837,"channel":1,"num_words":1,"start":1872.48,"end":1872.885},{"sentences":[{"text":"tax, yeah, at tax time, those companies all decide how much income to distribute between their investors.","start":1872.62,"end":1880.135,"sentiment":"neutral","sentiment_score":0.025944513104417744},{"text":"Their investors are you guys because you own those companies through super.","start":1880.595,"end":1884.375,"sentiment":"neutral","sentiment_score":0.04270014834279815}],"sentiment":"neutral","sentiment_score":0.032877879409954465,"channel":0,"num_words":29,"start":1872.62,"end":1884.375},{"sentences":[{"text":"Okay.","start":1884.005,"end":1884.505,"sentiment":"neutral","sentiment_score":0.03574175387620926},{"text":"But that just comes back to super.","start":1884.5651,"end":1886.585,"sentiment":"neutral","sentiment_score":0.0340911229806287}],"sentiment":"neutral","sentiment_score":0.034297451842576265,"channel":1,"num_words":8,"start":1884.005,"end":1886.585},{"sentences":[{"text":"It's","start":1887.1,"end":1887.34,"sentiment":"neutral","sentiment_score":0.023901445791125298}],"sentiment":"neutral","sentiment_score":0.023901445791125298,"channel":0,"num_words":1,"start":1887.1,"end":1887.34},{"sentences":[{"text":"In goes","start":1887.125,"end":1887.765,"sentiment":"neutral","sentiment_score":0.019187746103852987}],"sentiment":"neutral","sentiment_score":0.019187746103852987,"channel":1,"num_words":2,"start":1887.125,"end":1887.765},{"sentences":[{"text":"yeah.","start":1887.58,"end":1887.8999,"sentiment":"neutral","sentiment_score":0.025021936744451523}],"sentiment":"neutral","sentiment_score":0.025021936744451523,"channel":0,"num_words":1,"start":1887.58,"end":1887.8999},{"sentences":[{"text":"into","start":1887.765,"end":1888.085,"sentiment":"neutral","sentiment_score":0.0063656289130449295}],"sentiment":"neutral","sentiment_score":0.0063656289130449295,"channel":1,"num_words":1,"start":1887.765,"end":1888.085},{"sentences":[{"text":"It gets","start":1887.8999,"end":1888.3799,"sentiment":"neutral","sentiment_score":0.01630808087065816}],"sentiment":"neutral","sentiment_score":0.01630808087065816,"channel":0,"num_words":2,"start":1887.8999,"end":1888.3799},{"sentences":[{"text":"your cash.","start":1888.085,"end":1888.77,"sentiment":"neutral","sentiment_score":0.021613910794258118}],"sentiment":"neutral","sentiment_score":0.021613910794258118,"channel":1,"num_words":2,"start":1888.085,"end":1888.77},{"sentences":[{"text":"paid it goes into your cash.","start":1888.3799,"end":1890.7799,"sentiment":"neutral","sentiment_score":0.028208250490327675},{"text":"That's right.","start":1890.7799,"end":1891.34,"sentiment":"neutral","sentiment_score":0.09201334416866302},{"text":"And then","start":1891.34,"end":1891.6599,"sentiment":"neutral","sentiment_score":0.05331951193511486}],"sentiment":"neutral","sentiment_score":0.045991521514952186,"channel":0,"num_words":10,"start":1888.3799,"end":1891.6599},{"sentences":[{"text":"Right.","start":1891.49,"end":1891.99,"sentiment":"neutral","sentiment_score":0.06211976706981659}],"sentiment":"neutral","sentiment_score":0.06211976706981659,"channel":1,"num_words":1,"start":1891.49,"end":1891.99},{"sentences":[{"text":"it gets","start":1891.6599,"end":1892.1399,"sentiment":"neutral","sentiment_score":0.055802443996071815}],"sentiment":"neutral","sentiment_score":0.055802443996071815,"channel":0,"num_words":2,"start":1891.6599,"end":1892.1399},{"sentences":[{"text":"Okay.","start":1892.05,"end":1892.55,"sentiment":"neutral","sentiment_score":0.0503384992480278}],"sentiment":"neutral","sentiment_score":0.0503384992480278,"channel":1,"num_words":1,"start":1892.05,"end":1892.55},{"sentences":[{"text":"reinvested back into your portfolio.","start":1892.1399,"end":1893.9199,"sentiment":"neutral","sentiment_score":0.07704263031482697}],"sentiment":"neutral","sentiment_score":0.07704263031482697,"channel":0,"num_words":5,"start":1892.1399,"end":1893.9199},{"sentences":[{"text":"I'm with you.","start":1893.73,"end":1894.6901,"sentiment":"neutral","sentiment_score":0.09998896221319835}],"sentiment":"neutral","sentiment_score":0.09998896221319835,"channel":1,"num_words":3,"start":1893.73,"end":1894.6901},{"sentences":[{"text":"Yeah.","start":1894.3799,"end":1894.8799,"sentiment":"neutral","sentiment_score":0.1016288623213768}],"sentiment":"neutral","sentiment_score":0.1016288623213768,"channel":0,"num_words":1,"start":1894.3799,"end":1894.8799},{"sentences":[{"text":"Yep.","start":1894.6901,"end":1895.01,"sentiment":"neutral","sentiment_score":0.0919373333454132},{"text":"Yep.","start":1895.01,"end":1895.49,"sentiment":"neutral","sentiment_score":0.08100936561822891},{"text":"Okay.","start":1895.49,"end":1895.99,"sentiment":"neutral","sentiment_score":0.06383714079856873}],"sentiment":"neutral","sentiment_score":0.07892794658740361,"channel":1,"num_words":3,"start":1894.6901,"end":1895.99},{"sentences":[{"text":"Does that","start":1895.8999,"end":1896.3799,"sentiment":"neutral","sentiment_score":0.0438387356698513}],"sentiment":"neutral","sentiment_score":0.0438387356698513,"channel":0,"num_words":2,"start":1895.8999,"end":1896.3799},{"sentences":[{"text":"So","start":1896.29,"end":1896.6901,"sentiment":"neutral","sentiment_score":0.030507270246744156}],"sentiment":"neutral","sentiment_score":0.030507270246744156,"channel":1,"num_words":1,"start":1896.29,"end":1896.6901},{"sentences":[{"text":"make sense?","start":1896.3799,"end":1897.12,"sentiment":"neutral","sentiment_score":0.04436273127794266}],"sentiment":"neutral","sentiment_score":0.04436273127794266,"channel":0,"num_words":2,"start":1896.3799,"end":1897.12},{"sentences":[{"text":"so it so it also still is how much you bought it for and how much you could sell it for, but it also","start":1896.6901,"end":1902.345,"sentiment":"neutral","sentiment_score":0.026807673236665625}],"sentiment":"neutral","sentiment_score":0.026807673236665625,"channel":1,"num_words":24,"start":1896.6901,"end":1902.345},{"sentences":[{"text":"Correct.","start":1902.005,"end":1902.505,"sentiment":"neutral","sentiment_score":0.03349921479821205}],"sentiment":"neutral","sentiment_score":0.03349921479821205,"channel":0,"num_words":1,"start":1902.005,"end":1902.505},{"sentences":[{"text":"is depositing cash into your cash amount.","start":1902.6449,"end":1905.705,"sentiment":"neutral","sentiment_score":0.035291520080396106}],"sentiment":"neutral","sentiment_score":0.035291520080396106,"channel":1,"num_words":7,"start":1902.6449,"end":1905.705},{"sentences":[{"text":"Yeah.","start":1906.165,"end":1906.645,"sentiment":"neutral","sentiment_score":0.058051757514476776},{"text":"Correct.","start":1906.645,"end":1907.145,"sentiment":"neutral","sentiment_score":0.0734977200627327}],"sentiment":"neutral","sentiment_score":0.06577473878860474,"channel":0,"num_words":2,"start":1906.165,"end":1907.145},{"sentences":[{"text":"Yeah.","start":1906.965,"end":1907.2849,"sentiment":"neutral","sentiment_score":0.07385052740573883},{"text":"Right.","start":1907.2849,"end":1907.605,"sentiment":"neutral","sentiment_score":0.09078168123960496}],"sentiment":"neutral","sentiment_score":0.08231610432267189,"channel":1,"num_words":2,"start":1906.965,"end":1907.605},{"sentences":[{"text":"Yep.","start":1907.285,"end":1907.785,"sentiment":"neutral","sentiment_score":0.08579832315444946}],"sentiment":"neutral","sentiment_score":0.08579832315444946,"channel":0,"num_words":1,"start":1907.285,"end":1907.785},{"sentences":[{"text":"Yeah.","start":1907.605,"end":1908.005,"sentiment":"neutral","sentiment_score":0.09247523546218872},{"text":"Right.","start":1908.005,"end":1908.245,"sentiment":"neutral","sentiment_score":0.10271116346120834},{"text":"Okay.","start":1908.245,"end":1908.6449,"sentiment":"neutral","sentiment_score":0.09859398007392885}],"sentiment":"neutral","sentiment_score":0.09792679299910863,"channel":1,"num_words":3,"start":1907.605,"end":1908.6449},{"sentences":[{"text":"Yep.","start":1908.245,"end":1908.5651,"sentiment":"neutral","sentiment_score":0.09009025990962982},{"text":"So","start":1908.5651,"end":1909.045,"sentiment":"neutral","sentiment_score":0.08233676105737686}],"sentiment":"neutral","sentiment_score":0.08621351048350334,"channel":0,"num_words":2,"start":1908.245,"end":1909.045},{"sentences":[{"text":"Because I","start":1908.6449,"end":1908.965,"sentiment":"neutral","sentiment_score":0.11959255114197731}],"sentiment":"neutral","sentiment_score":0.11959255114197731,"channel":1,"num_words":2,"start":1908.6449,"end":1908.965},{"sentences":[{"text":"you're getting benefits on two fronts.","start":1909.045,"end":1911.045,"sentiment":"neutral","sentiment_score":0.20024932424227396},{"text":"You want growth and income.","start":1911.045,"end":1912.505,"sentiment":"neutral","sentiment_score":0.20176467299461365},{"text":"Yeah.","start":1912.7251,"end":1913.2251,"sentiment":"neutral","sentiment_score":0.1193426549434662}],"sentiment":"neutral","sentiment_score":0.19413849711418152,"channel":0,"num_words":12,"start":1909.045,"end":1913.2251},{"sentences":[{"text":"okay.","start":1912.965,"end":1913.365,"sentiment":"neutral","sentiment_score":0.1182996928691864},{"text":"Yeah.","start":1913.365,"end":1913.605,"sentiment":"neutral","sentiment_score":0.09320737421512604},{"text":"I'm with you.","start":1913.605,"end":1914.48,"sentiment":"neutral","sentiment_score":0.08637591948111852},{"text":"Yeah.","start":1914.72,"end":1914.96,"sentiment":"neutral","sentiment_score":0.06595277786254883}],"sentiment":"neutral","sentiment_score":0.0894312672317028,"channel":1,"num_words":6,"start":1912.965,"end":1914.96},{"sentences":[{"text":"Yeah.","start":1914.9401,"end":1915.4401,"sentiment":"neutral","sentiment_score":0.06759233772754669}],"sentiment":"neutral","sentiment_score":0.06759233772754669,"channel":0,"num_words":1,"start":1914.9401,"end":1915.4401},{"sentences":[{"text":"I've been watching","start":1914.96,"end":1915.76,"sentiment":"neutral","sentiment_score":0.05466106658180555}],"sentiment":"neutral","sentiment_score":0.05466106658180555,"channel":1,"num_words":3,"start":1914.96,"end":1915.76},{"sentences":[{"text":"Definitely.","start":1915.5,"end":1916.0,"sentiment":"neutral","sentiment_score":0.08074270933866501}],"sentiment":"neutral","sentiment_score":0.08074270933866501,"channel":0,"num_words":1,"start":1915.5,"end":1916.0},{"sentences":[{"text":"Gold because I have this one little pizzly nugget.","start":1915.76,"end":1918.34,"sentiment":"neutral","sentiment_score":0.07208983724315961}],"sentiment":"neutral","sentiment_score":0.07208983724315961,"channel":1,"num_words":9,"start":1915.76,"end":1918.34},{"sentences":[{"text":"Yeah.","start":1919.02,"end":1919.52,"sentiment":"neutral","sentiment_score":0.0382826067507267}],"sentiment":"neutral","sentiment_score":0.0382826067507267,"channel":0,"num_words":1,"start":1919.02,"end":1919.52},{"sentences":[{"text":"It's actually a tail, a t a e l,","start":1919.12,"end":1921.76,"sentiment":"neutral","sentiment_score":0.025287811540895037}],"sentiment":"neutral","sentiment_score":0.025287811540895037,"channel":1,"num_words":9,"start":1919.12,"end":1921.76},{"sentences":[{"text":"Nine.","start":1921.74,"end":1922.24,"sentiment":"neutral","sentiment_score":0.02739553712308407}],"sentiment":"neutral","sentiment_score":0.02739553712308407,"channel":0,"num_words":1,"start":1921.74,"end":1922.24},{"sentences":[{"text":"and it's 37.5 grams.","start":1921.76,"end":1923.84,"sentiment":"neutral","sentiment_score":0.025450329761952162},{"text":"And someone paid it to gave it to me in exchange for me selling something.","start":1923.84,"end":1928.4199,"sentiment":"neutral","sentiment_score":0.008991235370437304},{"text":"I'm I think probably only five years ago, and and","start":1929.025,"end":1932.385,"sentiment":"neutral","sentiment_score":0.003526043612509966}],"sentiment":"neutral","sentiment_score":0.009376906404464409,"channel":1,"num_words":29,"start":1921.76,"end":1932.385},{"sentences":[{"text":"Yeah.","start":1932.3351,"end":1932.8351,"sentiment":"neutral","sentiment_score":0.010550808161497116}],"sentiment":"neutral","sentiment_score":0.010550808161497116,"channel":0,"num_words":1,"start":1932.3351,"end":1932.8351},{"sentences":[{"text":"I I sold a donger for for $2.","start":1932.385,"end":1935.265,"sentiment":"neutral","sentiment_score":0.00411069649271667},{"text":"And he said, you know, would you like the you'd like cash or would you like this piece of gold?","start":1935.265,"end":1939.745,"sentiment":"neutral","sentiment_score":0.019066342758014797},{"text":"And I said, oh, I think I might be interested in gold.","start":1939.745,"end":1942.005,"sentiment":"neutral","sentiment_score":0.04267682849119107},{"text":"So, yeah, that that's worth $8.08 and a half thousand now.","start":1942.29,"end":1945.5901,"sentiment":"neutral","sentiment_score":0.05016508292068134}],"sentiment":"neutral","sentiment_score":0.02898333884556504,"channel":1,"num_words":51,"start":1932.385,"end":1945.5901},{"sentences":[{"text":"Wow.","start":1946.23,"end":1946.73,"sentiment":"positive","sentiment_score":0.3485317826271057},{"text":"That's fantastic.","start":1946.79,"end":1947.61,"sentiment":"positive","sentiment_score":0.4517165571451187}],"sentiment":"positive","sentiment_score":0.41732163230578107,"channel":0,"num_words":3,"start":1946.23,"end":1947.61},{"sentences":[{"text":"No.","start":1948.53,"end":1948.77,"sentiment":"neutral","sentiment_score":-0.08758751302957535},{"text":"But I wish I had more.","start":1948.77,"end":1950.0701,"sentiment":"neutral","sentiment_score":-0.18288884311914444},{"text":"More would be better than one little tiny 37.5 grams of gold.","start":1951.5701,"end":1956.485,"sentiment":"neutral","sentiment_score":-0.03380470226208369}],"sentiment":"neutral","sentiment_score":-0.08371457888891823,"channel":1,"num_words":19,"start":1948.53,"end":1956.485},{"sentences":[{"text":"Yeah.","start":1956.865,"end":1957.105,"sentiment":"neutral","sentiment_score":0.03788513317704201},{"text":"I mean, hold on to that because gold's gone up by, what, 30 or 40% over the","start":1957.105,"end":1961.585,"sentiment":"neutral","sentiment_score":0.04534889648065848}],"sentiment":"neutral","sentiment_score":0.044934242963790894,"channel":0,"num_words":18,"start":1956.865,"end":1961.585},{"sentences":[{"text":"Yeah.","start":1961.585,"end":1962.085,"sentiment":"neutral","sentiment_score":0.015182002447545528}],"sentiment":"neutral","sentiment_score":0.015182002447545528,"channel":1,"num_words":1,"start":1961.585,"end":1962.085},{"sentences":[{"text":"past couple of years.","start":1961.585,"end":1962.545,"sentiment":"neutral","sentiment_score":-0.0050356428837403655}],"sentiment":"neutral","sentiment_score":-0.0050356428837403655,"channel":0,"num_words":4,"start":1961.585,"end":1962.545},{"sentences":[{"text":"Yeah.","start":1962.3049,"end":1962.7849,"sentiment":"neutral","sentiment_score":0.03212432190775871}],"sentiment":"neutral","sentiment_score":0.03212432190775871,"channel":1,"num_words":1,"start":1962.3049,"end":1962.7849},{"sentences":[{"text":"If it","start":1962.545,"end":1962.865,"sentiment":"neutral","sentiment_score":0.010573753155767918}],"sentiment":"neutral","sentiment_score":0.010573753155767918,"channel":0,"num_words":2,"start":1962.545,"end":1962.865},{"sentences":[{"text":"It","start":1962.7849,"end":1963.0249,"sentiment":"neutral","sentiment_score":0.010821407660841942}],"sentiment":"neutral","sentiment_score":0.010821407660841942,"channel":1,"num_words":1,"start":1962.7849,"end":1963.0249},{"sentences":[{"text":"continues,","start":1962.865,"end":1963.365,"sentiment":"neutral","sentiment_score":0.028697354719042775}],"sentiment":"neutral","sentiment_score":0.028697354719042775,"channel":0,"num_words":1,"start":1962.865,"end":1963.365},{"sentences":[{"text":"has.","start":1963.0249,"end":1963.5249,"sentiment":"neutral","sentiment_score":0.01875372603535652},{"text":"Yeah.","start":1963.745,"end":1964.065,"sentiment":"neutral","sentiment_score":0.08357337862253189}],"sentiment":"neutral","sentiment_score":0.051163552328944206,"channel":1,"num_words":2,"start":1963.0249,"end":1964.065},{"sentences":[{"text":"wow.","start":1963.745,"end":1964.245,"sentiment":"neutral","sentiment_score":0.16880404949188232}],"sentiment":"neutral","sentiment_score":0.16880404949188232,"channel":0,"num_words":1,"start":1963.745,"end":1964.245},{"sentences":[{"text":"I've been looking at it.","start":1964.065,"end":1965.4249,"sentiment":"neutral","sentiment_score":0.055648931115865705},{"text":"I've been looking at it.","start":1965.4249,"end":1966.3849,"sentiment":"neutral","sentiment_score":0.04700557515025139},{"text":"When I when I when I when I said yes to it, I did look it up to see if if he was it was my nephew, so I sort of believed him.","start":1966.3849,"end":1973.88,"sentiment":"neutral","sentiment_score":0.0014742453385031586},{"text":"I didn't do it there on the","start":1973.88,"end":1975.0,"sentiment":"neutral","sentiment_score":-0.08412983428154673}],"sentiment":"neutral","sentiment_score":-0.0005397242493927479,"channel":1,"num_words":50,"start":1964.065,"end":1975.0},{"sentences":[{"text":"Yeah.","start":1974.9601,"end":1975.36,"sentiment":"neutral","sentiment_score":-0.023892061784863472}],"sentiment":"neutral","sentiment_score":-0.023892061784863472,"channel":0,"num_words":1,"start":1974.9601,"end":1975.36},{"sentences":[{"text":"spot.","start":1975.0,"end":1975.24,"sentiment":"neutral","sentiment_score":-0.0219283327460289},{"text":"But","start":1975.24,"end":1975.48,"sentiment":"neutral","sentiment_score":0.006556292995810509}],"sentiment":"neutral","sentiment_score":-0.007686019875109196,"channel":1,"num_words":2,"start":1975.0,"end":1975.48},{"sentences":[{"text":"Yeah.","start":1975.36,"end":1975.86,"sentiment":"neutral","sentiment_score":0.023856593295931816}],"sentiment":"neutral","sentiment_score":0.023856593295931816,"channel":0,"num_words":1,"start":1975.36,"end":1975.86},{"sentences":[{"text":"when but when we exchanged it, I did get on and have a look and thought, oh, no.","start":1975.48,"end":1979.0,"sentiment":"neutral","sentiment_score":0.04647155116415686},{"text":"He is right.","start":1979.0,"end":1979.64,"sentiment":"neutral","sentiment_score":0.12039010226726532},{"text":"It is worth that.","start":1979.64,"end":1980.4401,"sentiment":"neutral","sentiment_score":0.1944284550845623},{"text":"Yeah.","start":1980.4401,"end":1980.68,"sentiment":"neutral","sentiment_score":0.3193680942058563},{"text":"That's good.","start":1980.68,"end":1981.5,"sentiment":"positive","sentiment_score":0.5064123570919037}],"sentiment":"neutral","sentiment_score":0.11812731630301901,"channel":1,"num_words":28,"start":1975.48,"end":1981.5},{"sentences":[{"text":"Yeah.","start":1981.12,"end":1981.62,"sentiment":"neutral","sentiment_score":0.1241498962044716}],"sentiment":"neutral","sentiment_score":0.1241498962044716,"channel":0,"num_words":1,"start":1981.12,"end":1981.62},{"sentences":[{"text":"But, yeah,","start":1981.64,"end":1982.4401,"sentiment":"neutral","sentiment_score":0.03589963726699352}],"sentiment":"neutral","sentiment_score":0.03589963726699352,"channel":1,"num_words":2,"start":1981.64,"end":1982.4401},{"sentences":[{"text":"Yeah.","start":1982.24,"end":1982.74,"sentiment":"neutral","sentiment_score":0.031262271106243134}],"sentiment":"neutral","sentiment_score":0.031262271106243134,"channel":0,"num_words":1,"start":1982.24,"end":1982.74},{"sentences":[{"text":"that's been going on.","start":1982.4401,"end":1983.56,"sentiment":"neutral","sentiment_score":0.028303992468863726},{"text":"And my daughter, they decided to buy silver, and now they wish they had bought more too.","start":1983.56,"end":1988.555,"sentiment":"neutral","sentiment_score":0.016166784855372766},{"text":"They only bought it last","start":1988.555,"end":1989.355,"sentiment":"neutral","sentiment_score":0.0014620471745729446}],"sentiment":"neutral","sentiment_score":0.015206213395756025,"channel":1,"num_words":26,"start":1982.4401,"end":1989.355},{"sentences":[{"text":"Yeah.","start":1989.295,"end":1989.775,"sentiment":"neutral","sentiment_score":0.010893141850829124}],"sentiment":"neutral","sentiment_score":0.010893141850829124,"channel":0,"num_words":1,"start":1989.295,"end":1989.775},{"sentences":[{"text":"year, and it's","start":1989.355,"end":1989.915,"sentiment":"neutral","sentiment_score":0.016579414096971352}],"sentiment":"neutral","sentiment_score":0.016579414096971352,"channel":1,"num_words":3,"start":1989.355,"end":1989.915},{"sentences":[{"text":"Wow.","start":1989.775,"end":1990.275,"sentiment":"neutral","sentiment_score":0.0273056048899889}],"sentiment":"neutral","sentiment_score":0.0273056048899889,"channel":0,"num_words":1,"start":1989.775,"end":1990.275},{"sentences":[{"text":"already doubled.","start":1989.915,"end":1990.735,"sentiment":"neutral","sentiment_score":0.0246072206646204}],"sentiment":"neutral","sentiment_score":0.0246072206646204,"channel":1,"num_words":2,"start":1989.915,"end":1990.735},{"sentences":[{"text":"Yeah.","start":1991.375,"end":1991.875,"sentiment":"neutral","sentiment_score":0.029215455055236816}],"sentiment":"neutral","sentiment_score":0.029215455055236816,"channel":0,"num_words":1,"start":1991.375,"end":1991.875},{"sentences":[{"text":"Two","start":1991.755,"end":1991.995,"sentiment":"neutral","sentiment_score":0.018973952159285545}],"sentiment":"neutral","sentiment_score":0.018973952159285545,"channel":1,"num_words":1,"start":1991.755,"end":1991.995},{"sentences":[{"text":"Wow.","start":1991.935,"end":1992.435,"sentiment":"neutral","sentiment_score":0.0383361354470253}],"sentiment":"neutral","sentiment_score":0.0383361354470253,"channel":0,"num_words":1,"start":1991.935,"end":1992.435},{"sentences":[{"text":"big two ingots, you know, two very large ingots of silver.","start":1991.995,"end":1996.415,"sentiment":"neutral","sentiment_score":-0.0035389539870348844},{"text":"But","start":1996.715,"end":1997.215,"sentiment":"neutral","sentiment_score":0.004687350243330002}],"sentiment":"neutral","sentiment_score":-0.002853428634504477,"channel":1,"num_words":12,"start":1991.995,"end":1997.215},{"sentences":[{"text":"Yep.","start":1997.135,"end":1997.635,"sentiment":"neutral","sentiment_score":-0.007633663713932037}],"sentiment":"neutral","sentiment_score":-0.007633663713932037,"channel":0,"num_words":1,"start":1997.135,"end":1997.635},{"sentences":[{"text":"I said, oh, you you can only we're not rich, so you just do what you know you can afford to lose type of thing.","start":1997.755,"end":2004.2001,"sentiment":"neutral","sentiment_score":-0.09017937555909157},{"text":"Like,","start":2004.2001,"end":2004.4401,"sentiment":"neutral","sentiment_score":-0.0018022321164608}],"sentiment":"neutral","sentiment_score":-0.08678025465745193,"channel":1,"num_words":26,"start":1997.755,"end":2004.4401},{"sentences":[{"text":"Abs","start":2004.34,"end":2004.58,"sentiment":"neutral","sentiment_score":-0.030825641006231308}],"sentiment":"neutral","sentiment_score":-0.030825641006231308,"channel":0,"num_words":1,"start":2004.34,"end":2004.58},{"sentences":[{"text":"you can","start":2004.4401,"end":2004.8401,"sentiment":"neutral","sentiment_score":0.007795907557010651}],"sentiment":"neutral","sentiment_score":0.007795907557010651,"channel":1,"num_words":2,"start":2004.4401,"end":2004.8401},{"sentences":[{"text":"absolutely.","start":2005.0599,"end":2005.5599,"sentiment":"neutral","sentiment_score":-0.002547597512602806}],"sentiment":"neutral","sentiment_score":-0.002547597512602806,"channel":0,"num_words":1,"start":2005.0599,"end":2005.5599},{"sentences":[{"text":"you you're not you're not","start":2005.0801,"end":2006.28,"sentiment":"neutral","sentiment_score":-0.06695379763841629}],"sentiment":"neutral","sentiment_score":-0.06695379763841629,"channel":1,"num_words":5,"start":2005.0801,"end":2006.28},{"sentences":[{"text":"Yeah.","start":2006.34,"end":2006.84,"sentiment":"neutral","sentiment_score":-0.0315680168569088}],"sentiment":"neutral","sentiment_score":-0.0315680168569088,"channel":0,"num_words":1,"start":2006.34,"end":2006.84},{"sentences":[{"text":"she's not gonna lose, but, you know, she said, oh,","start":2006.4401,"end":2009.0,"sentiment":"neutral","sentiment_score":-0.0707964289933443}],"sentiment":"neutral","sentiment_score":-0.0707964289933443,"channel":1,"num_words":10,"start":2006.4401,"end":2009.0},{"sentences":[{"text":"Yep.","start":2008.9,"end":2009.4,"sentiment":"neutral","sentiment_score":-0.05438529700040817}],"sentiment":"neutral","sentiment_score":-0.05438529700040817,"channel":0,"num_words":1,"start":2008.9,"end":2009.4},{"sentences":[{"text":"geez.","start":2009.0,"end":2009.24,"sentiment":"neutral","sentiment_score":-0.09303712844848631},{"text":"I wish we'd have bought more.","start":2009.24,"end":2010.28,"sentiment":"neutral","sentiment_score":-0.212370735903581},{"text":"And I said, yeah.","start":2010.28,"end":2010.92,"sentiment":"neutral","sentiment_score":-0.05176625773310661},{"text":"But you didn't you didn't know it was gonna double","start":2010.92,"end":2013.3201,"sentiment":"neutral","sentiment_score":-0.08634345009922981}],"sentiment":"neutral","sentiment_score":-0.11608386075212843,"channel":1,"num_words":21,"start":2009.0,"end":2013.3201},{"sentences":[{"text":"Yeah.","start":2013.005,"end":2013.485,"sentiment":"neutral","sentiment_score":-0.010142181068658829}],"sentiment":"neutral","sentiment_score":-0.010142181068658829,"channel":0,"num_words":1,"start":2013.005,"end":2013.485},{"sentences":[{"text":"and","start":2013.3201,"end":2013.8201,"sentiment":"neutral","sentiment_score":-0.0033580539748072624}],"sentiment":"neutral","sentiment_score":-0.0033580539748072624,"channel":1,"num_words":1,"start":2013.3201,"end":2013.8201},{"sentences":[{"text":"Yeah.","start":2013.485,"end":2013.985,"sentiment":"neutral","sentiment_score":-0.003653539344668389}],"sentiment":"neutral","sentiment_score":-0.003653539344668389,"channel":0,"num_words":1,"start":2013.485,"end":2013.985},{"sentences":[{"text":"go up twice a month.","start":2013.88,"end":2015.24,"sentiment":"neutral","sentiment_score":-0.00004921648651361466},{"text":"You know?","start":2015.24,"end":2015.775,"sentiment":"neutral","sentiment_score":-0.0004932121373713017}],"sentiment":"neutral","sentiment_score":-0.00017607238675866808,"channel":1,"num_words":7,"start":2013.88,"end":2015.775},{"sentences":[{"text":"Absolutely.","start":2015.965,"end":2016.465,"sentiment":"neutral","sentiment_score":0.0936635285615921}],"sentiment":"neutral","sentiment_score":0.0936635285615921,"channel":0,"num_words":1,"start":2015.965,"end":2016.465},{"sentences":[{"text":"Yeah.","start":2016.255,"end":2016.755,"sentiment":"neutral","sentiment_score":0.05081038922071457}],"sentiment":"neutral","sentiment_score":0.05081038922071457,"channel":1,"num_words":1,"start":2016.255,"end":2016.755},{"sentences":[{"text":"Yeah.","start":2016.845,"end":2017.345,"sentiment":"neutral","sentiment_score":0.02154608815908432},{"text":"No.","start":2017.565,"end":2017.885,"sentiment":"neutral","sentiment_score":-0.04651308059692383}],"sentiment":"neutral","sentiment_score":-0.012483496218919754,"channel":0,"num_words":2,"start":2016.845,"end":2017.885},{"sentences":[{"text":"It's","start":2017.6951,"end":2017.935,"sentiment":"neutral","sentiment_score":-0.01417982205748558}],"sentiment":"neutral","sentiment_score":-0.01417982205748558,"channel":1,"num_words":1,"start":2017.6951,"end":2017.935},{"sentences":[{"text":"That's","start":2017.885,"end":2018.125,"sentiment":"neutral","sentiment_score":-0.00221218541264534}],"sentiment":"neutral","sentiment_score":-0.00221218541264534,"channel":0,"num_words":1,"start":2017.885,"end":2018.125},{"sentences":[{"text":"always","start":2017.935,"end":2018.255,"sentiment":"neutral","sentiment_score":0.17150989174842834}],"sentiment":"neutral","sentiment_score":0.17150989174842834,"channel":1,"num_words":1,"start":2017.935,"end":2018.255},{"sentences":[{"text":"exactly","start":2018.125,"end":2018.605,"sentiment":"neutral","sentiment_score":0.16715899109840393}],"sentiment":"neutral","sentiment_score":0.16715899109840393,"channel":0,"num_words":1,"start":2018.125,"end":2018.605},{"sentences":[{"text":"nice to","start":2018.255,"end":2018.655,"sentiment":"neutral","sentiment_score":0.126101803034544}],"sentiment":"neutral","sentiment_score":0.126101803034544,"channel":1,"num_words":2,"start":2018.255,"end":2018.655},{"sentences":[{"text":"whenever","start":2018.605,"end":2019.085,"sentiment":"neutral","sentiment_score":0.033312760293483734}],"sentiment":"neutral","sentiment_score":0.033312760293483734,"channel":0,"num_words":1,"start":2018.605,"end":2019.085},{"sentences":[{"text":"say","start":2018.655,"end":2019.155,"sentiment":"neutral","sentiment_score":0.05658210068941116}],"sentiment":"neutral","sentiment_score":0.05658210068941116,"channel":1,"num_words":1,"start":2018.655,"end":2019.155},{"sentences":[{"text":"yeah.","start":2019.885,"end":2020.205,"sentiment":"neutral","sentiment_score":0.07309352606534958},{"text":"Sorry.","start":2020.205,"end":2020.705,"sentiment":"neutral","sentiment_score":-0.1645810306072235}],"sentiment":"neutral","sentiment_score":-0.045743752270936966,"channel":0,"num_words":2,"start":2019.885,"end":2020.705},{"sentences":[{"text":"it's always nice to say, oh, I should've done it.","start":2020.895,"end":2022.8151,"sentiment":"neutral","sentiment_score":-0.1172362245619297},{"text":"I should've done it.","start":2022.8151,"end":2023.4551,"sentiment":"neutral","sentiment_score":-0.11502685397863388},{"text":"But had it dropped, they","start":2023.4551,"end":2024.415,"sentiment":"neutral","sentiment_score":-0.14569856822490693}],"sentiment":"neutral","sentiment_score":-0.12426118435044038,"channel":1,"num_words":19,"start":2020.895,"end":2024.415},{"sentences":[{"text":"Yep.","start":2024.2849,"end":2024.7849,"sentiment":"neutral","sentiment_score":-0.08582394570112228}],"sentiment":"neutral","sentiment_score":-0.08582394570112228,"channel":0,"num_words":1,"start":2024.2849,"end":2024.7849},{"sentences":[{"text":"would've been glad they hadn't.","start":2024.415,"end":2025.795,"sentiment":"neutral","sentiment_score":-0.2576493799686432}],"sentiment":"neutral","sentiment_score":-0.2576493799686432,"channel":1,"num_words":5,"start":2024.415,"end":2025.795},{"sentences":[{"text":"Oh, absolutely.","start":2026.4601,"end":2027.36,"sentiment":"neutral","sentiment_score":0.30525603890419006},{"text":"Absolutely.","start":2027.74,"end":2028.24,"sentiment":"neutral","sentiment_score":0.288968026638031},{"text":"No.","start":2028.4601,"end":2028.7001,"sentiment":"neutral","sentiment_score":0.25707659125328064},{"text":"That's fantastic.","start":2028.7001,"end":2029.52,"sentiment":"positive","sentiment_score":0.6259888112545013},{"text":"I mean, my kids have started investing in there.","start":2029.74,"end":2032.06,"sentiment":"positive","sentiment_score":0.3800535003344218}],"sentiment":"positive","sentiment_score":0.38860105474789935,"channel":0,"num_words":15,"start":2026.4601,"end":2032.06},{"sentences":[{"text":"I mean, I've had a little investments outside of Super for my kids for the past couple of years, but they've started putting their own money in there.","start":2032.06,"end":2039.02,"sentiment":"neutral","sentiment_score":0.23109657909455045},{"text":"And they've got a bit of gold, a bit of, you know, the S and P 500, a bit of little bits of everything here, and they're building that up.","start":2039.02,"end":2045.145,"sentiment":"positive","sentiment_score":0.6112915188074112},{"text":"And it's really cool to kinda see things grow and build and, you know, it's","start":2045.145,"end":2049.785,"sentiment":"positive","sentiment_score":0.7879267692565918}],"sentiment":"positive","sentiment_score":0.5017582372290222,"channel":0,"num_words":73,"start":2032.06,"end":2049.785},{"sentences":[{"text":"Yeah.","start":2049.725,"end":2050.225,"sentiment":"positive","sentiment_score":0.5219056606292725}],"sentiment":"positive","sentiment_score":0.5219056606292725,"channel":1,"num_words":1,"start":2049.725,"end":2050.225},{"sentences":[{"text":"really fun.","start":2049.785,"end":2050.345,"sentiment":"positive","sentiment_score":0.5937002003192902},{"text":"It's it's not","start":2050.345,"end":2051.065,"sentiment":"neutral","sentiment_score":0.013098425852755705}],"sentiment":"neutral","sentiment_score":0.2453391356393695,"channel":0,"num_words":5,"start":2049.785,"end":2051.065},{"sentences":[{"text":"Well,","start":2051.005,"end":2051.165,"sentiment":"neutral","sentiment_score":-0.02617659419775009}],"sentiment":"neutral","sentiment_score":-0.02617659419775009,"channel":1,"num_words":1,"start":2051.005,"end":2051.165},{"sentences":[{"text":"great","start":2051.065,"end":2051.305,"sentiment":"neutral","sentiment_score":0.004863567650318146}],"sentiment":"neutral","sentiment_score":0.004863567650318146,"channel":0,"num_words":1,"start":2051.065,"end":2051.305},{"sentences":[{"text":"Maddie","start":2051.165,"end":2051.325,"sentiment":"neutral","sentiment_score":-0.02020375430583954}],"sentiment":"neutral","sentiment_score":-0.02020375430583954,"channel":1,"num_words":1,"start":2051.165,"end":2051.325},{"sentences":[{"text":"when","start":2051.305,"end":2051.465,"sentiment":"neutral","sentiment_score":-0.008246704936027527}],"sentiment":"neutral","sentiment_score":-0.008246704936027527,"channel":0,"num_words":1,"start":2051.305,"end":2051.465},{"sentences":[{"text":"did","start":2051.325,"end":2051.805,"sentiment":"neutral","sentiment_score":-0.010735966265201569}],"sentiment":"neutral","sentiment_score":-0.010735966265201569,"channel":1,"num_words":1,"start":2051.325,"end":2051.805},{"sentences":[{"text":"it all goes","start":2051.465,"end":2052.105,"sentiment":"neutral","sentiment_score":0.13680162529150644}],"sentiment":"neutral","sentiment_score":0.13680162529150644,"channel":0,"num_words":3,"start":2051.465,"end":2052.105},{"sentences":[{"text":"well, Maddie","start":2051.805,"end":2052.285,"sentiment":"neutral","sentiment_score":0.05905096139758825}],"sentiment":"neutral","sentiment_score":0.05905096139758825,"channel":1,"num_words":2,"start":2051.805,"end":2052.285},{"sentences":[{"text":"red.","start":2052.105,"end":2052.425,"sentiment":"neutral","sentiment_score":0.04746406525373459}],"sentiment":"neutral","sentiment_score":0.04746406525373459,"channel":0,"num_words":1,"start":2052.105,"end":2052.425},{"sentences":[{"text":"did","start":2052.285,"end":2052.525,"sentiment":"neutral","sentiment_score":-0.006203964352607727}],"sentiment":"neutral","sentiment_score":-0.006203964352607727,"channel":1,"num_words":1,"start":2052.285,"end":2052.525},{"sentences":[{"text":"But","start":2052.425,"end":2052.925,"sentiment":"neutral","sentiment_score":-0.02758229710161686}],"sentiment":"neutral","sentiment_score":-0.02758229710161686,"channel":0,"num_words":1,"start":2052.425,"end":2052.925},{"sentences":[{"text":"something herself when it comes to shares as well, but it was just something really little.","start":2052.525,"end":2056.845,"sentiment":"neutral","sentiment_score":-0.04815735807642341},{"text":"And she","start":2056.845,"end":2057.805,"sentiment":"neutral","sentiment_score":-0.009691753424704075}],"sentiment":"neutral","sentiment_score":-0.04388340200401015,"channel":1,"num_words":18,"start":2052.525,"end":2057.805},{"sentences":[{"text":"Yeah.","start":2057.75,"end":2058.25,"sentiment":"neutral","sentiment_score":-0.015562240034341812}],"sentiment":"neutral","sentiment_score":-0.015562240034341812,"channel":0,"num_words":1,"start":2057.75,"end":2058.25},{"sentences":[{"text":"reckons that that's growing too, but she does put a little bit of money into that too.","start":2057.805,"end":2061.565,"sentiment":"neutral","sentiment_score":-0.014189842567943475},{"text":"But","start":2061.565,"end":2061.99,"sentiment":"neutral","sentiment_score":-0.047833964228630066}],"sentiment":"neutral","sentiment_score":-0.01605896043798162,"channel":1,"num_words":18,"start":2057.805,"end":2061.99},{"sentences":[{"text":"Yeah.","start":2061.9102,"end":2062.4102,"sentiment":"neutral","sentiment_score":-0.05927875265479088}],"sentiment":"neutral","sentiment_score":-0.05927875265479088,"channel":0,"num_words":1,"start":2061.9102,"end":2062.4102},{"sentences":[{"text":"I think she's sort of holding back to try and she doesn't know when she can swap to use to do anything.","start":2062.07,"end":2067.35,"sentiment":"neutral","sentiment_score":-0.19039416414770213},{"text":"I don't I don't know how much money she's got in super, but Keegan has","start":2067.35,"end":2071.27,"sentiment":"neutral","sentiment_score":-0.09874711806575458}],"sentiment":"neutral","sentiment_score":-0.1532399562766423,"channel":1,"num_words":37,"start":2062.07,"end":2071.27},{"sentences":[{"text":"Yeah.","start":2071.1848,"end":2071.6848,"sentiment":"neutral","sentiment_score":-0.023509010672569275}],"sentiment":"neutral","sentiment_score":-0.023509010672569275,"channel":0,"num_words":1,"start":2071.1848,"end":2071.6848},{"sentences":[{"text":"got 40, I think, but she would probably be equivalent to him.","start":2071.27,"end":2075.67,"sentiment":"neutral","sentiment_score":-0.05080949359883865},{"text":"But she's about ready to go on maternity leave, So I don't know how long that's gonna last.","start":2075.67,"end":2080.205,"sentiment":"neutral","sentiment_score":-0.07871144513289134},{"text":"You know?","start":2080.205,"end":2080.605,"sentiment":"neutral","sentiment_score":-0.05944673344492912},{"text":"She's gonna probably","start":2080.605,"end":2081.5652,"sentiment":"neutral","sentiment_score":-0.03692862639824549}],"sentiment":"neutral","sentiment_score":-0.06446283661893436,"channel":1,"num_words":35,"start":2071.27,"end":2081.5652},{"sentences":[{"text":"Yeah.","start":2081.345,"end":2081.845,"sentiment":"neutral","sentiment_score":-0.02544562891125679}],"sentiment":"neutral","sentiment_score":-0.02544562891125679,"channel":0,"num_words":1,"start":2081.345,"end":2081.845},{"sentences":[{"text":"have twelve months maternity, and then I don't know","start":2081.5652,"end":2083.8052,"sentiment":"neutral","sentiment_score":-0.05020795721146795}],"sentiment":"neutral","sentiment_score":-0.05020795721146795,"channel":1,"num_words":9,"start":2081.5652,"end":2083.8052},{"sentences":[{"text":"Yeah.","start":2083.76,"end":2083.8398,"sentiment":"neutral","sentiment_score":-0.05067260563373566}],"sentiment":"neutral","sentiment_score":-0.05067260563373566,"channel":0,"num_words":1,"start":2083.76,"end":2083.8398},{"sentences":[{"text":"if","start":2083.8052,"end":2083.885,"sentiment":"neutral","sentiment_score":-0.03217025846242905}],"sentiment":"neutral","sentiment_score":-0.03217025846242905,"channel":1,"num_words":1,"start":2083.8052,"end":2083.885},{"sentences":[{"text":"Yeah.","start":2083.8398,"end":2084.3398,"sentiment":"neutral","sentiment_score":-0.019958162680268288}],"sentiment":"neutral","sentiment_score":-0.019958162680268288,"channel":0,"num_words":1,"start":2083.8398,"end":2084.3398},{"sentences":[{"text":"she's gonna go back or not","start":2083.885,"end":2085.345,"sentiment":"neutral","sentiment_score":-0.035972751677036285}],"sentiment":"neutral","sentiment_score":-0.035972751677036285,"channel":1,"num_words":6,"start":2083.885,"end":2085.345},{"sentences":[{"text":"Yeah.","start":2085.5999,"end":2086.0999,"sentiment":"neutral","sentiment_score":-0.0015987232327461245}],"sentiment":"neutral","sentiment_score":-0.0015987232327461245,"channel":0,"num_words":1,"start":2085.5999,"end":2086.0999},{"sentences":[{"text":"to earn","start":2085.645,"end":2086.385,"sentiment":"neutral","sentiment_score":-0.0051953550428152084}],"sentiment":"neutral","sentiment_score":-0.0051953550428152084,"channel":1,"num_words":2,"start":2085.645,"end":2086.385},{"sentences":[{"text":"Let it","start":2086.16,"end":2086.72,"sentiment":"neutral","sentiment_score":0.019134968519210815}],"sentiment":"neutral","sentiment_score":0.019134968519210815,"channel":0,"num_words":2,"start":2086.16,"end":2086.72},{"sentences":[{"text":"more","start":2086.5251,"end":2086.845,"sentiment":"neutral","sentiment_score":-0.004104528576135635}],"sentiment":"neutral","sentiment_score":-0.004104528576135635,"channel":1,"num_words":1,"start":2086.5251,"end":2086.845},{"sentences":[{"text":"let","start":2086.72,"end":2087.04,"sentiment":"neutral","sentiment_score":0.03708987683057785}],"sentiment":"neutral","sentiment_score":0.03708987683057785,"channel":0,"num_words":1,"start":2086.72,"end":2087.04},{"sentences":[{"text":"super.","start":2086.845,"end":2087.345,"sentiment":"neutral","sentiment_score":0.06477922201156616}],"sentiment":"neutral","sentiment_score":0.06477922201156616,"channel":1,"num_words":1,"start":2086.845,"end":2087.345},{"sentences":[{"text":"it have that first and then see what happens.","start":2087.04,"end":2089.5999,"sentiment":"neutral","sentiment_score":0.02369997753865189},{"text":"And yeah.","start":2089.5999,"end":2090.24,"sentiment":"neutral","sentiment_score":0.02881593443453312},{"text":"Look.","start":2090.24,"end":2090.4,"sentiment":"neutral","sentiment_score":0.03598587214946747}],"sentiment":"neutral","sentiment_score":0.02557646157220006,"channel":0,"num_words":12,"start":2087.04,"end":2090.4},{"sentences":[{"text":"Yeah.","start":2090.2852,"end":2090.7852,"sentiment":"neutral","sentiment_score":0.08781275898218155}],"sentiment":"neutral","sentiment_score":0.08781275898218155,"channel":1,"num_words":1,"start":2090.2852,"end":2090.7852},{"sentences":[{"text":"If any of them wanna have a chat to me, more than happy for them to reach out or for us to reach out to them even if it's, you know, not advice needed.","start":2090.4,"end":2098.4,"sentiment":"neutral","sentiment_score":0.23691600736449747},{"text":"They just want some information or, you know,","start":2098.4,"end":2100.805,"sentiment":"neutral","sentiment_score":0.14440013002604246}],"sentiment":"neutral","sentiment_score":0.21929393549050605,"channel":0,"num_words":42,"start":2090.4,"end":2100.805},{"sentences":[{"text":"Yes.","start":2100.52,"end":2101.02,"sentiment":"neutral","sentiment_score":0.22826221585273743}],"sentiment":"neutral","sentiment_score":0.22826221585273743,"channel":1,"num_words":1,"start":2100.52,"end":2101.02},{"sentences":[{"text":"ask to do a bit of work and give them some free advice.","start":2101.265,"end":2103.6648,"sentiment":"positive","sentiment_score":0.34436381550935596},{"text":"I'm absolutely happy to do that.","start":2103.6648,"end":2105.345,"sentiment":"positive","sentiment_score":0.7207789222399393},{"text":"I just I love working with people, and I wanna make everyone's world better.","start":2105.345,"end":2109.1848,"sentiment":"positive","sentiment_score":0.7019575451101575},{"text":"So everyone's","start":2109.1848,"end":2110.545,"sentiment":"neutral","sentiment_score":0.18334868550300598}],"sentiment":"positive","sentiment_score":0.5427287467888423,"channel":0,"num_words":35,"start":2101.265,"end":2110.545},{"sentences":[{"text":"I would","start":2110.375,"end":2110.775,"sentiment":"neutral","sentiment_score":0.1082773469388485}],"sentiment":"neutral","sentiment_score":0.1082773469388485,"channel":1,"num_words":2,"start":2110.375,"end":2110.775},{"sentences":[{"text":"worked","start":2110.545,"end":2110.865,"sentiment":"neutral","sentiment_score":0.07797141373157501}],"sentiment":"neutral","sentiment_score":0.07797141373157501,"channel":0,"num_words":1,"start":2110.545,"end":2110.865},{"sentences":[{"text":"I","start":2110.855,"end":2111.015,"sentiment":"neutral","sentiment_score":-0.02133643627166748}],"sentiment":"neutral","sentiment_score":-0.02133643627166748,"channel":1,"num_words":1,"start":2110.855,"end":2111.015},{"sentences":[{"text":"so","start":2110.865,"end":2111.105,"sentiment":"neutral","sentiment_score":0.039303332567214966}],"sentiment":"neutral","sentiment_score":0.039303332567214966,"channel":0,"num_words":1,"start":2110.865,"end":2111.105},{"sentences":[{"text":"just","start":2111.015,"end":2111.255,"sentiment":"neutral","sentiment_score":0.0003862828016281128}],"sentiment":"neutral","sentiment_score":0.0003862828016281128,"channel":1,"num_words":1,"start":2111.015,"end":2111.255},{"sentences":[{"text":"hard.","start":2111.105,"end":2111.605,"sentiment":"neutral","sentiment_score":0.04334432631731033}],"sentiment":"neutral","sentiment_score":0.04334432631731033,"channel":0,"num_words":1,"start":2111.105,"end":2111.605},{"sentences":[{"text":"wish my I just wish my sister would take you up on on I recorded our conversation with you that I had with you so I could play it to her and she said, oh, yeah.","start":2111.255,"end":2120.935,"sentiment":"neutral","sentiment_score":0.06584102996728486},{"text":"It sounds like something we really need to do, but they haven't done anything.","start":2120.935,"end":2124.67,"sentiment":"neutral","sentiment_score":-0.10467853876096862},{"text":"They've done","start":2124.73,"end":2125.21,"sentiment":"neutral","sentiment_score":-0.10815506055951118}],"sentiment":"neutral","sentiment_score":0.013239757981724463,"channel":1,"num_words":52,"start":2111.255,"end":2125.21},{"sentences":[{"text":"Yeah.","start":2124.97,"end":2125.21,"sentiment":"neutral","sentiment_score":-0.05096989497542381}],"sentiment":"neutral","sentiment_score":-0.05096989497542381,"channel":0,"num_words":1,"start":2124.97,"end":2125.21},{"sentences":[{"text":"nothing.","start":2125.21,"end":2125.71,"sentiment":"neutral","sentiment_score":-0.04781258851289749}],"sentiment":"neutral","sentiment_score":-0.04781258851289749,"channel":1,"num_words":1,"start":2125.21,"end":2125.71},{"sentences":[{"text":"Yeah.","start":2125.21,"end":2125.71,"sentiment":"neutral","sentiment_score":-0.08703875541687012}],"sentiment":"neutral","sentiment_score":-0.08703875541687012,"channel":0,"num_words":1,"start":2125.21,"end":2125.71},{"sentences":[{"text":"They're just living off their money in the bank, and I just and","start":2126.17,"end":2129.71,"sentiment":"neutral","sentiment_score":-0.2479737876699521}],"sentiment":"neutral","sentiment_score":-0.2479737876699521,"channel":1,"num_words":13,"start":2126.17,"end":2129.71},{"sentences":[{"text":"Yeah.","start":2129.355,"end":2129.855,"sentiment":"neutral","sentiment_score":-0.026900552213191983}],"sentiment":"neutral","sentiment_score":-0.026900552213191983,"channel":0,"num_words":1,"start":2129.355,"end":2129.855},{"sentences":[{"text":"and she did confide at me and tell me that it's 1 and a half million that they've got to be in the bank.","start":2129.77,"end":2134.0898,"sentiment":"neutral","sentiment_score":-0.04510189344485601},{"text":"It's probably not earning them anything, Dana.","start":2134.0898,"end":2136.355,"sentiment":"negative","sentiment_score":-0.3591186915125166}],"sentiment":"neutral","sentiment_score":-0.11600891236336,"channel":1,"num_words":31,"start":2129.77,"end":2136.355},{"sentences":[{"text":"Yeah.","start":2136.635,"end":2137.135,"sentiment":"neutral","sentiment_score":-0.11093582212924956}],"sentiment":"neutral","sentiment_score":-0.11093582212924956,"channel":0,"num_words":1,"start":2136.635,"end":2137.135},{"sentences":[{"text":"Probably not earning","start":2136.895,"end":2137.695,"sentiment":"neutral","sentiment_score":-0.17452996472517648}],"sentiment":"neutral","sentiment_score":-0.17452996472517648,"channel":1,"num_words":3,"start":2136.895,"end":2137.695},{"sentences":[{"text":"Yeah.","start":2137.515,"end":2138.015,"sentiment":"neutral","sentiment_score":-0.16060972213745117}],"sentiment":"neutral","sentiment_score":-0.16060972213745117,"channel":0,"num_words":1,"start":2137.515,"end":2138.015},{"sentences":[{"text":"them anything at all.","start":2137.695,"end":2138.9949,"sentiment":"neutral","sentiment_score":-0.22806886956095695},{"text":"You know?","start":2139.055,"end":2139.7148,"sentiment":"neutral","sentiment_score":-0.061692193150520325}],"sentiment":"neutral","sentiment_score":-0.17260997742414474,"channel":1,"num_words":6,"start":2137.695,"end":2139.7148},{"sentences":[{"text":"Yeah.","start":2139.435,"end":2139.935,"sentiment":"neutral","sentiment_score":-0.08404803276062012}],"sentiment":"neutral","sentiment_score":-0.08404803276062012,"channel":0,"num_words":1,"start":2139.435,"end":2139.935},{"sentences":[{"text":"I don't","start":2140.175,"end":2140.4949,"sentiment":"neutral","sentiment_score":-0.1493309885263443}],"sentiment":"neutral","sentiment_score":-0.1493309885263443,"channel":1,"num_words":2,"start":2140.175,"end":2140.4949},{"sentences":[{"text":"It","start":2140.395,"end":2140.635,"sentiment":"neutral","sentiment_score":-0.110154390335083}],"sentiment":"neutral","sentiment_score":-0.110154390335083,"channel":0,"num_words":1,"start":2140.395,"end":2140.635},{"sentences":[{"text":"know.","start":2140.4949,"end":2140.9949,"sentiment":"neutral","sentiment_score":-0.112198606133461}],"sentiment":"neutral","sentiment_score":-0.112198606133461,"channel":1,"num_words":1,"start":2140.4949,"end":2140.9949},{"sentences":[{"text":"is a big it can be a big step for people to take to sort of think about an adviser.","start":2140.635,"end":2145.43,"sentiment":"neutral","sentiment_score":-0.04614126905798912},{"text":"It's not something that everyone is comfortable or confident doing.","start":2145.43,"end":2148.95,"sentiment":"neutral","sentiment_score":-0.091973976790905},{"text":"But even if you just let","start":2148.95,"end":2149.99,"sentiment":"neutral","sentiment_score":0.09420227631926537}],"sentiment":"neutral","sentiment_score":-0.035481985865367785,"channel":0,"num_words":36,"start":2140.635,"end":2149.99},{"sentences":[{"text":"Yeah.","start":2149.9001,"end":2150.4001,"sentiment":"neutral","sentiment_score":0.08927503973245621}],"sentiment":"neutral","sentiment_score":0.08927503973245621,"channel":1,"num_words":1,"start":2149.9001,"end":2150.4001},{"sentences":[{"text":"them know, look, there's no obligation to the initial consultation.","start":2149.99,"end":2152.89,"sentiment":"neutral","sentiment_score":0.06433870941400528},{"text":"They don't have","start":2153.43,"end":2154.0698,"sentiment":"neutral","sentiment_score":0.05462747812271118}],"sentiment":"neutral","sentiment_score":0.06209765603909126,"channel":0,"num_words":13,"start":2149.99,"end":2154.0698},{"sentences":[{"text":"Yes.","start":2153.9802,"end":2154.4802,"sentiment":"neutral","sentiment_score":0.05257361009716987}],"sentiment":"neutral","sentiment_score":0.05257361009716987,"channel":1,"num_words":1,"start":2153.9802,"end":2154.4802},{"sentences":[{"text":"to take any of the advice.","start":2154.0698,"end":2155.43,"sentiment":"neutral","sentiment_score":-0.005956005305051801},{"text":"Everything I give is it's just advice.","start":2155.43,"end":2157.625,"sentiment":"neutral","sentiment_score":0.2647615841456822},{"text":"And even with this like, I'm just giving you advice on how we can make the changes, but you guys get to decide whether you take it or not.","start":2157.625,"end":2163.7852,"sentiment":"neutral","sentiment_score":0.24159984573208051},{"text":"There is no you know, it's all","start":2163.7852,"end":2166.1052,"sentiment":"neutral","sentiment_score":0.19966605305671692}],"sentiment":"neutral","sentiment_score":0.20860516234320037,"channel":0,"num_words":49,"start":2154.0698,"end":2166.1052},{"sentences":[{"text":"Yes.","start":2165.9648,"end":2166.4648,"sentiment":"neutral","sentiment_score":0.3266729712486267}],"sentiment":"neutral","sentiment_score":0.3266729712486267,"channel":1,"num_words":1,"start":2165.9648,"end":2166.4648},{"sentences":[{"text":"completely up to you.","start":2166.1052,"end":2167.5652,"sentiment":"positive","sentiment_score":0.4703393653035164},{"text":"There's no obligation whatsoever on any of the advice I give, and I'm more than happy to alter it and","start":2168.0251,"end":2173.81,"sentiment":"positive","sentiment_score":0.49659437239170073}],"sentiment":"positive","sentiment_score":0.49221853787700337,"channel":0,"num_words":24,"start":2166.1052,"end":2173.81},{"sentences":[{"text":"Yeah.","start":2173.69,"end":2174.19,"sentiment":"positive","sentiment_score":0.434160053730011}],"sentiment":"positive","sentiment_score":0.434160053730011,"channel":1,"num_words":1,"start":2173.69,"end":2174.19},{"sentences":[{"text":"change it.","start":2173.81,"end":2174.21,"sentiment":"positive","sentiment_score":0.38760846853256226},{"text":"You know, I'll go back after this if you send me a statement.","start":2174.21,"end":2176.69,"sentiment":"neutral","sentiment_score":0.24868886516644403},{"text":"I'll go do a little bit of after work for you and show you a comparison on the mortgage, and then you can decide what you wanna do as well.","start":2176.69,"end":2183.33,"sentiment":"neutral","sentiment_score":0.2712604641914368},{"text":"So","start":2183.33,"end":2183.83,"sentiment":"neutral","sentiment_score":0.06764209270477295}],"sentiment":"neutral","sentiment_score":0.26551365657992987,"channel":0,"num_words":46,"start":2173.81,"end":2183.83},{"sentences":[{"text":"Yeah.","start":2184.33,"end":2184.83,"sentiment":"neutral","sentiment_score":0.013720709830522535}],"sentiment":"neutral","sentiment_score":0.013720709830522535,"channel":1,"num_words":1,"start":2184.33,"end":2184.83},{"sentences":[{"text":"it's by no means in any way, shape, form forcing you guys to do anything","start":2184.3699,"end":2188.155,"sentiment":"neutral","sentiment_score":-0.1767747258146604}],"sentiment":"neutral","sentiment_score":-0.1767747258146604,"channel":0,"num_words":15,"start":2184.3699,"end":2188.155},{"sentences":[{"text":"Yes.","start":2188.065,"end":2188.565,"sentiment":"neutral","sentiment_score":-0.13754872977733612}],"sentiment":"neutral","sentiment_score":-0.13754872977733612,"channel":1,"num_words":1,"start":2188.065,"end":2188.565},{"sentences":[{"text":"that you're not comfortable with, and I would never want anyone to feel like they're forced to take on anything they're not comfortable with.","start":2188.155,"end":2193.5952,"sentiment":"negative","sentiment_score":-0.38750061268607777},{"text":"So","start":2193.5952,"end":2194.0752,"sentiment":"neutral","sentiment_score":0.041671112179756165}],"sentiment":"negative","sentiment_score":-0.3703337436914444,"channel":0,"num_words":25,"start":2188.155,"end":2194.0752},{"sentences":[{"text":"Yes.","start":2194.065,"end":2194.565,"sentiment":"neutral","sentiment_score":0.08147045224905014}],"sentiment":"neutral","sentiment_score":0.08147045224905014,"channel":1,"num_words":1,"start":2194.065,"end":2194.565},{"sentences":[{"text":"I tend to just let people do things in their own time, and","start":2194.0752,"end":2197.3552,"sentiment":"neutral","sentiment_score":0.2551334500312805}],"sentiment":"neutral","sentiment_score":0.2551334500312805,"channel":0,"num_words":13,"start":2194.0752,"end":2197.3552},{"sentences":[{"text":"Yes.","start":2197.265,"end":2197.765,"sentiment":"positive","sentiment_score":0.4123883843421936}],"sentiment":"positive","sentiment_score":0.4123883843421936,"channel":1,"num_words":1,"start":2197.265,"end":2197.765},{"sentences":[{"text":"it tends to work out really well because they everyone thinks about it.","start":2197.3552,"end":2202.1501,"sentiment":"positive","sentiment_score":0.409640195278021},{"text":"Some people procrastinate, but then when they make that leap, they feel good about making a leap.","start":2202.21,"end":2206.77,"sentiment":"neutral","sentiment_score":0.2474983860464657},{"text":"It's not as","start":2206.77,"end":2207.97,"sentiment":"neutral","sentiment_score":-0.049770074586073555}],"sentiment":"neutral","sentiment_score":0.2843480265953324,"channel":0,"num_words":33,"start":2197.3552,"end":2207.97},{"sentences":[{"text":"I just","start":2207.6802,"end":2208.32,"sentiment":"neutral","sentiment_score":-0.23861008882522583}],"sentiment":"neutral","sentiment_score":-0.23861008882522583,"channel":1,"num_words":2,"start":2207.6802,"end":2208.32},{"sentences":[{"text":"scary.","start":2207.97,"end":2208.47,"sentiment":"neutral","sentiment_score":-0.224808931350708}],"sentiment":"neutral","sentiment_score":-0.224808931350708,"channel":0,"num_words":1,"start":2207.97,"end":2208.47},{"sentences":[{"text":"I just thought the sooner that they did it, the","start":2208.32,"end":2210.4001,"sentiment":"neutral","sentiment_score":-0.10669809132814408}],"sentiment":"neutral","sentiment_score":-0.10669809132814408,"channel":1,"num_words":10,"start":2208.32,"end":2210.4001},{"sentences":[{"text":"So","start":2210.36,"end":2210.61,"sentiment":"neutral","sentiment_score":-0.052683815360069275}],"sentiment":"neutral","sentiment_score":-0.052683815360069275,"channel":0,"num_words":1,"start":2210.36,"end":2210.61},{"sentences":[{"text":"sooner that they could","start":2210.4001,"end":2211.2002,"sentiment":"neutral","sentiment_score":-0.0674469880759716}],"sentiment":"neutral","sentiment_score":-0.0674469880759716,"channel":1,"num_words":4,"start":2210.4001,"end":2211.2002},{"sentences":[{"text":"yeah.","start":2211.09,"end":2211.59,"sentiment":"neutral","sentiment_score":-0.08581426739692688}],"sentiment":"neutral","sentiment_score":-0.08581426739692688,"channel":0,"num_words":1,"start":2211.09,"end":2211.59},{"sentences":[{"text":"be making money to live off of instead","start":2211.2002,"end":2213.84,"sentiment":"neutral","sentiment_score":-0.08467559982091188}],"sentiment":"neutral","sentiment_score":-0.08467559982091188,"channel":1,"num_words":8,"start":2211.2002,"end":2213.84},{"sentences":[{"text":"Yeah.","start":2213.535,"end":2214.015,"sentiment":"neutral","sentiment_score":-0.1295366734266281}],"sentiment":"neutral","sentiment_score":-0.1295366734266281,"channel":0,"num_words":1,"start":2213.535,"end":2214.015},{"sentences":[{"text":"of dwindling","start":2213.84,"end":2214.5,"sentiment":"negative","sentiment_score":-0.341226689517498}],"sentiment":"negative","sentiment_score":-0.341226689517498,"channel":1,"num_words":2,"start":2213.84,"end":2214.5},{"sentences":[{"text":"Yeah.","start":2214.015,"end":2214.515,"sentiment":"neutral","sentiment_score":-0.24055646359920504}],"sentiment":"neutral","sentiment_score":-0.24055646359920504,"channel":0,"num_words":1,"start":2214.015,"end":2214.515},{"sentences":[{"text":"it away.","start":2214.56,"end":2215.22,"sentiment":"negative","sentiment_score":-0.35107196867465973}],"sentiment":"negative","sentiment_score":-0.35107196867465973,"channel":1,"num_words":2,"start":2214.56,"end":2215.22},{"sentences":[{"text":"That","start":2215.775,"end":2216.095,"sentiment":"neutral","sentiment_score":-0.026827372610569}],"sentiment":"neutral","sentiment_score":-0.026827372610569,"channel":0,"num_words":1,"start":2215.775,"end":2216.095},{"sentences":[{"text":"You know?","start":2215.885,"end":2216.3652,"sentiment":"neutral","sentiment_score":-0.026047571562230587}],"sentiment":"neutral","sentiment_score":-0.026047571562230587,"channel":1,"num_words":2,"start":2215.885,"end":2216.3652},{"sentences":[{"text":"is true.","start":2216.095,"end":2216.655,"sentiment":"neutral","sentiment_score":0.023852910846471786}],"sentiment":"neutral","sentiment_score":0.023852910846471786,"channel":0,"num_words":2,"start":2216.095,"end":2216.655},{"sentences":[{"text":"I just","start":2216.3652,"end":2217.1052,"sentiment":"neutral","sentiment_score":0.014827392995357513}],"sentiment":"neutral","sentiment_score":0.014827392995357513,"channel":1,"num_words":2,"start":2216.3652,"end":2217.1052},{"sentences":[{"text":"That is true.","start":2216.655,"end":2217.635,"sentiment":"neutral","sentiment_score":0.05325928454597791}],"sentiment":"neutral","sentiment_score":0.05325928454597791,"channel":0,"num_words":3,"start":2216.655,"end":2217.635},{"sentences":[{"text":"you know, like, as they spend it, like, at with that","start":2217.885,"end":2221.165,"sentiment":"neutral","sentiment_score":-0.004039734347977422}],"sentiment":"neutral","sentiment_score":-0.004039734347977422,"channel":1,"num_words":11,"start":2217.885,"end":2221.165},{"sentences":[{"text":"Yeah.","start":2221.055,"end":2221.555,"sentiment":"neutral","sentiment_score":-0.01127584744244814}],"sentiment":"neutral","sentiment_score":-0.01127584744244814,"channel":0,"num_words":1,"start":2221.055,"end":2221.555},{"sentences":[{"text":"amount of money, they can't get anything from the government.","start":2221.165,"end":2223.725,"sentiment":"neutral","sentiment_score":-0.11183614879846573},{"text":"Nothing.","start":2223.725,"end":2224.225,"sentiment":"neutral","sentiment_score":-0.060007244348526},{"text":"So","start":2224.925,"end":2225.165,"sentiment":"neutral","sentiment_score":-0.02309046685695648}],"sentiment":"neutral","sentiment_score":-0.10012159993251164,"channel":1,"num_words":12,"start":2221.165,"end":2225.165},{"sentences":[{"text":"Yeah.","start":2225.135,"end":2225.295,"sentiment":"neutral","sentiment_score":0.001862507313489914}],"sentiment":"neutral","sentiment_score":0.001862507313489914,"channel":0,"num_words":1,"start":2225.135,"end":2225.295},{"sentences":[{"text":"they","start":2225.165,"end":2225.405,"sentiment":"neutral","sentiment_score":-0.01500062644481659}],"sentiment":"neutral","sentiment_score":-0.01500062644481659,"channel":1,"num_words":1,"start":2225.165,"end":2225.405},{"sentences":[{"text":"No.","start":2225.295,"end":2225.615,"sentiment":"neutral","sentiment_score":-0.05158551409840584}],"sentiment":"neutral","sentiment_score":-0.05158551409840584,"channel":0,"num_words":1,"start":2225.295,"end":2225.615},{"sentences":[{"text":"must","start":2225.405,"end":2225.645,"sentiment":"neutral","sentiment_score":-0.03648863732814789}],"sentiment":"neutral","sentiment_score":-0.03648863732814789,"channel":1,"num_words":1,"start":2225.405,"end":2225.645},{"sentences":[{"text":"I","start":2225.615,"end":2225.855,"sentiment":"neutral","sentiment_score":0.014593347907066343}],"sentiment":"neutral","sentiment_score":0.014593347907066343,"channel":0,"num_words":1,"start":2225.615,"end":2225.855},{"sentences":[{"text":"be living","start":2225.645,"end":2226.2852,"sentiment":"neutral","sentiment_score":0.011903330683708191}],"sentiment":"neutral","sentiment_score":0.011903330683708191,"channel":1,"num_words":2,"start":2225.645,"end":2226.2852},{"sentences":[{"text":"that's definitely","start":2226.095,"end":2226.7349,"sentiment":"neutral","sentiment_score":0.07514425739645958}],"sentiment":"neutral","sentiment_score":0.07514425739645958,"channel":0,"num_words":2,"start":2226.095,"end":2226.7349},{"sentences":[{"text":"they must be","start":2226.2852,"end":2226.925,"sentiment":"neutral","sentiment_score":0.08704706529776256}],"sentiment":"neutral","sentiment_score":0.08704706529776256,"channel":1,"num_words":3,"start":2226.2852,"end":2226.925},{"sentences":[{"text":"a","start":2226.7349,"end":2226.9849,"sentiment":"neutral","sentiment_score":0.11794471740722656}],"sentiment":"neutral","sentiment_score":0.11794471740722656,"channel":0,"num_words":1,"start":2226.7349,"end":2226.9849},{"sentences":[{"text":"living","start":2226.925,"end":2227.245,"sentiment":"neutral","sentiment_score":0.04488234221935272}],"sentiment":"neutral","sentiment_score":0.04488234221935272,"channel":1,"num_words":1,"start":2226.925,"end":2227.245},{"sentences":[{"text":"thing.","start":2226.9849,"end":2227.4849,"sentiment":"neutral","sentiment_score":0.05863986909389496}],"sentiment":"neutral","sentiment_score":0.05863986909389496,"channel":0,"num_words":1,"start":2226.9849,"end":2227.4849},{"sentences":[{"text":"out of their bank.","start":2227.245,"end":2228.205,"sentiment":"neutral","sentiment_score":-0.016278796829283237},{"text":"So I just think to myself that, like, you they I think they would be really surprised at how much they don't they wouldn't even have to put all of it in.","start":2228.205,"end":2235.83,"sentiment":"neutral","sentiment_score":0.03547139838337898},{"text":"They wouldn't","start":2235.83,"end":2236.31,"sentiment":"neutral","sentiment_score":0.025590579956769943}],"sentiment":"neutral","sentiment_score":0.02950396633854038,"channel":1,"num_words":38,"start":2227.245,"end":2236.31},{"sentences":[{"text":"Yes.","start":2236.07,"end":2236.55,"sentiment":"neutral","sentiment_score":0.04641620069742203}],"sentiment":"neutral","sentiment_score":0.04641620069742203,"channel":0,"num_words":1,"start":2236.07,"end":2236.55},{"sentences":[{"text":"even","start":2236.31,"end":2236.63,"sentiment":"neutral","sentiment_score":0.027194511145353317}],"sentiment":"neutral","sentiment_score":0.027194511145353317,"channel":1,"num_words":1,"start":2236.31,"end":2236.63},{"sentences":[{"text":"Yeah.","start":2236.55,"end":2237.05,"sentiment":"neutral","sentiment_score":-0.0017231162637472153}],"sentiment":"neutral","sentiment_score":-0.0017231162637472153,"channel":0,"num_words":1,"start":2236.55,"end":2237.05},{"sentences":[{"text":"have to give you all of their money","start":2236.63,"end":2238.55,"sentiment":"neutral","sentiment_score":-0.021629242692142725}],"sentiment":"neutral","sentiment_score":-0.021629242692142725,"channel":1,"num_words":8,"start":2236.63,"end":2238.55},{"sentences":[{"text":"No.","start":2238.23,"end":2238.73,"sentiment":"neutral","sentiment_score":-0.0841175764799118}],"sentiment":"neutral","sentiment_score":-0.0841175764799118,"channel":0,"num_words":1,"start":2238.23,"end":2238.73},{"sentences":[{"text":"to manage.","start":2238.55,"end":2239.03,"sentiment":"neutral","sentiment_score":-0.05328109487891197},{"text":"So you could just","start":2239.03,"end":2239.91,"sentiment":"neutral","sentiment_score":0.014813026413321495}],"sentiment":"neutral","sentiment_score":-0.007885014017422995,"channel":1,"num_words":6,"start":2238.55,"end":2239.91},{"sentences":[{"text":"Correct.","start":2239.83,"end":2240.33,"sentiment":"neutral","sentiment_score":0.01682829111814499}],"sentiment":"neutral","sentiment_score":0.01682829111814499,"channel":0,"num_words":1,"start":2239.83,"end":2240.33},{"sentences":[{"text":"allocate half of it or something.","start":2239.91,"end":2242.01,"sentiment":"neutral","sentiment_score":0.03796085094412168},{"text":"But,","start":2242.39,"end":2242.71,"sentiment":"neutral","sentiment_score":0.051714152097702026}],"sentiment":"neutral","sentiment_score":0.03992560825177601,"channel":1,"num_words":7,"start":2239.91,"end":2242.71},{"sentences":[{"text":"Absolutely.","start":2242.525,"end":2243.025,"sentiment":"neutral","sentiment_score":0.06907494366168976}],"sentiment":"neutral","sentiment_score":0.06907494366168976,"channel":0,"num_words":1,"start":2242.525,"end":2243.025},{"sentences":[{"text":"you know","start":2242.71,"end":2243.29,"sentiment":"neutral","sentiment_score":0.04711316339671612}],"sentiment":"neutral","sentiment_score":0.04711316339671612,"channel":1,"num_words":2,"start":2242.71,"end":2243.29},{"sentences":[{"text":"Yeah.","start":2243.805,"end":2244.305,"sentiment":"neutral","sentiment_score":0.061825212091207504}],"sentiment":"neutral","sentiment_score":0.061825212091207504,"channel":0,"num_words":1,"start":2243.805,"end":2244.305},{"sentences":[{"text":"yeah.","start":2243.885,"end":2244.285,"sentiment":"neutral","sentiment_score":0.05312518775463104},{"text":"But, anyway, I haven't","start":2244.285,"end":2245.645,"sentiment":"neutral","sentiment_score":-0.05575450509786606}],"sentiment":"neutral","sentiment_score":-0.03397856652736664,"channel":1,"num_words":5,"start":2243.885,"end":2245.645},{"sentences":[{"text":"I'll","start":2245.565,"end":2245.805,"sentiment":"neutral","sentiment_score":-0.27956804633140564}],"sentiment":"neutral","sentiment_score":-0.27956804633140564,"channel":0,"num_words":1,"start":2245.565,"end":2245.805},{"sentences":[{"text":"really","start":2245.645,"end":2246.125,"sentiment":"neutral","sentiment_score":-0.1785981059074402}],"sentiment":"neutral","sentiment_score":-0.1785981059074402,"channel":1,"num_words":1,"start":2245.645,"end":2246.125},{"sentences":[{"text":"be okay.","start":2245.805,"end":2246.545,"sentiment":"neutral","sentiment_score":-0.17378005385398865}],"sentiment":"neutral","sentiment_score":-0.17378005385398865,"channel":0,"num_words":2,"start":2245.805,"end":2246.545},{"sentences":[{"text":"had the chance since I last spoke to you to sit down and say,","start":2246.125,"end":2249.565,"sentiment":"neutral","sentiment_score":0.029774834667997702}],"sentiment":"neutral","sentiment_score":0.029774834667997702,"channel":1,"num_words":14,"start":2246.125,"end":2249.565},{"sentences":[{"text":"Yeah.","start":2249.485,"end":2249.985,"sentiment":"neutral","sentiment_score":0.010900547727942468}],"sentiment":"neutral","sentiment_score":0.010900547727942468,"channel":0,"num_words":1,"start":2249.485,"end":2249.985},{"sentences":[{"text":"have you made any decisions?","start":2249.565,"end":2250.865,"sentiment":"neutral","sentiment_score":0.001001458615064621},{"text":"I just know","start":2251.2449,"end":2251.805,"sentiment":"neutral","sentiment_score":-0.004834587375322978}],"sentiment":"neutral","sentiment_score":-0.0011870586313307285,"channel":1,"num_words":8,"start":2249.565,"end":2251.805},{"sentences":[{"text":"Yeah.","start":2251.645,"end":2252.145,"sentiment":"neutral","sentiment_score":0.018110694363713264}],"sentiment":"neutral","sentiment_score":0.018110694363713264,"channel":0,"num_words":1,"start":2251.645,"end":2252.145},{"sentences":[{"text":"that she hasn't said, hey.","start":2251.805,"end":2253.085,"sentiment":"neutral","sentiment_score":-0.008520350698381663},{"text":"Could you set up a meeting with me with Dana?","start":2253.085,"end":2255.165,"sentiment":"neutral","sentiment_score":0.041325288265943526},{"text":"So","start":2255.165,"end":2255.665,"sentiment":"neutral","sentiment_score":-0.01054760441184044}],"sentiment":"neutral","sentiment_score":0.022506470297230408,"channel":1,"num_words":16,"start":2251.805,"end":2255.665},{"sentences":[{"text":"Yeah.","start":2255.645,"end":2256.145,"sentiment":"neutral","sentiment_score":0.01994217373430729}],"sentiment":"neutral","sentiment_score":0.01994217373430729,"channel":0,"num_words":1,"start":2255.645,"end":2256.145},{"sentences":[{"text":"there's been a little bit there's been a little bit on in the family.","start":2256.0698,"end":2259.19,"sentiment":"neutral","sentiment_score":-0.035965805573921115},{"text":"So perhaps,","start":2259.19,"end":2259.93,"sentiment":"neutral","sentiment_score":0.003352038562297821}],"sentiment":"neutral","sentiment_score":-0.03105107505689375,"channel":1,"num_words":16,"start":2256.0698,"end":2259.93},{"sentences":[{"text":"Yeah.","start":2260.02,"end":2260.52,"sentiment":"neutral","sentiment_score":0.006662746891379356}],"sentiment":"neutral","sentiment_score":0.006662746891379356,"channel":0,"num_words":1,"start":2260.02,"end":2260.52},{"sentences":[{"text":"you know, once she","start":2260.0698,"end":2261.3499,"sentiment":"neutral","sentiment_score":1.419801265001297e-6}],"sentiment":"neutral","sentiment_score":1.419801265001297e-6,"channel":1,"num_words":4,"start":2260.0698,"end":2261.3499},{"sentences":[{"text":"That","start":2261.2202,"end":2261.4602,"sentiment":"neutral","sentiment_score":-0.007421713322401047}],"sentiment":"neutral","sentiment_score":-0.007421713322401047,"channel":0,"num_words":1,"start":2261.2202,"end":2261.4602},{"sentences":[{"text":"gets","start":2261.3499,"end":2261.5898,"sentiment":"neutral","sentiment_score":-0.029245197772979736}],"sentiment":"neutral","sentiment_score":-0.029245197772979736,"channel":1,"num_words":1,"start":2261.3499,"end":2261.5898},{"sentences":[{"text":"might","start":2261.4602,"end":2261.7002,"sentiment":"neutral","sentiment_score":-0.009884733706712725}],"sentiment":"neutral","sentiment_score":-0.009884733706712725,"channel":0,"num_words":1,"start":2261.4602,"end":2261.7002},{"sentences":[{"text":"a bit","start":2261.5898,"end":2261.8298,"sentiment":"neutral","sentiment_score":-0.018057281151413918}],"sentiment":"neutral","sentiment_score":-0.018057281151413918,"channel":1,"num_words":2,"start":2261.5898,"end":2261.8298},{"sentences":[{"text":"be.","start":2261.7002,"end":2262.2002,"sentiment":"neutral","sentiment_score":-0.01752854883670807}],"sentiment":"neutral","sentiment_score":-0.01752854883670807,"channel":0,"num_words":1,"start":2261.7002,"end":2262.2002},{"sentences":[{"text":"more settled, she might approach me or I might approach her eventually again.","start":2261.8298,"end":2266.01,"sentiment":"neutral","sentiment_score":-0.0049242100750024505}],"sentiment":"neutral","sentiment_score":-0.0049242100750024505,"channel":1,"num_words":13,"start":2261.8298,"end":2266.01},{"sentences":[{"text":"Yeah.","start":2265.78,"end":2266.28,"sentiment":"neutral","sentiment_score":0.08759209513664246}],"sentiment":"neutral","sentiment_score":0.08759209513664246,"channel":0,"num_words":1,"start":2265.78,"end":2266.28},{"sentences":[{"text":"Yeah.","start":2266.5498,"end":2266.95,"sentiment":"neutral","sentiment_score":0.14881733059883118}],"sentiment":"neutral","sentiment_score":0.14881733059883118,"channel":1,"num_words":1,"start":2266.5498,"end":2266.95},{"sentences":[{"text":"Absolutely.","start":2266.58,"end":2267.08,"sentiment":"neutral","sentiment_score":0.23837484419345856}],"sentiment":"neutral","sentiment_score":0.23837484419345856,"channel":0,"num_words":1,"start":2266.58,"end":2267.08},{"sentences":[{"text":"So that","start":2266.95,"end":2267.3499,"sentiment":"neutral","sentiment_score":0.09561439976096153}],"sentiment":"neutral","sentiment_score":0.09561439976096153,"channel":1,"num_words":2,"start":2266.95,"end":2267.3499},{"sentences":[{"text":"No.","start":2267.2202,"end":2267.3801,"sentiment":"neutral","sentiment_score":0.038301605731248856}],"sentiment":"neutral","sentiment_score":0.038301605731248856,"channel":0,"num_words":1,"start":2267.2202,"end":2267.3801},{"sentences":[{"text":"I","start":2267.3499,"end":2267.8499,"sentiment":"neutral","sentiment_score":0.04866417497396469}],"sentiment":"neutral","sentiment_score":0.04866417497396469,"channel":1,"num_words":1,"start":2267.3499,"end":2267.8499},{"sentences":[{"text":"There's definitely things and that kind of money, there's definitely things we can do to try and get even a part pension out of the government to kind of alleviate some of the financial pressures and stress and give them a little bit of, you know, help.","start":2267.3801,"end":2279.045,"sentiment":"neutral","sentiment_score":0.24013763808823646},{"text":"So","start":2279.045,"end":2279.545,"sentiment":"neutral","sentiment_score":0.1319797933101654}],"sentiment":"neutral","sentiment_score":0.23788434965535998,"channel":0,"num_words":48,"start":2267.3801,"end":2279.545},{"sentences":[{"text":"yeah.","start":2279.7249,"end":2280.045,"sentiment":"neutral","sentiment_score":0.1505977064371109}],"sentiment":"neutral","sentiment_score":0.1505977064371109,"channel":1,"num_words":1,"start":2279.7249,"end":2280.045},{"sentences":[{"text":"but","start":2279.9248,"end":2280.1648,"sentiment":"neutral","sentiment_score":0.12893803417682648}],"sentiment":"neutral","sentiment_score":0.12893803417682648,"channel":0,"num_words":1,"start":2279.9248,"end":2280.1648},{"sentences":[{"text":"Yep.","start":2280.045,"end":2280.545,"sentiment":"neutral","sentiment_score":0.14777114987373352}],"sentiment":"neutral","sentiment_score":0.14777114987373352,"channel":1,"num_words":1,"start":2280.045,"end":2280.545},{"sentences":[{"text":"also having money just invested in different ways.","start":2280.1648,"end":2282.405,"sentiment":"neutral","sentiment_score":0.19461154378950596},{"text":"It doesn't even have to be risky.","start":2282.405,"end":2284.005,"sentiment":"neutral","sentiment_score":0.1522733239190919},{"text":"You know?","start":2284.005,"end":2284.405,"sentiment":"neutral","sentiment_score":0.13040975481271744},{"text":"It can be as you guys get closer","start":2284.405,"end":2286.51,"sentiment":"neutral","sentiment_score":0.1580882165580988}],"sentiment":"neutral","sentiment_score":0.16593323439359664,"channel":0,"num_words":25,"start":2280.1648,"end":2286.51},{"sentences":[{"text":"Very","start":2286.23,"end":2286.6301,"sentiment":"neutral","sentiment_score":0.2815905511379242}],"sentiment":"neutral","sentiment_score":0.2815905511379242,"channel":1,"num_words":1,"start":2286.23,"end":2286.6301},{"sentences":[{"text":"and","start":2286.51,"end":2286.6702,"sentiment":"neutral","sentiment_score":0.31892120838165283}],"sentiment":"neutral","sentiment_score":0.31892120838165283,"channel":0,"num_words":1,"start":2286.51,"end":2286.6702},{"sentences":[{"text":"secure.","start":2286.6301,"end":2287.1301,"sentiment":"neutral","sentiment_score":0.23289325833320615}],"sentiment":"neutral","sentiment_score":0.23289325833320615,"channel":1,"num_words":1,"start":2286.6301,"end":2287.1301},{"sentences":[{"text":"closer, I mean","start":2286.6702,"end":2287.1501,"sentiment":"neutral","sentiment_score":0.10164342323939006}],"sentiment":"neutral","sentiment_score":0.10164342323939006,"channel":0,"num_words":3,"start":2286.6702,"end":2287.1501},{"sentences":[{"text":"Yeah.","start":2287.59,"end":2288.09,"sentiment":"neutral","sentiment_score":0.14437717199325562}],"sentiment":"neutral","sentiment_score":0.14437717199325562,"channel":1,"num_words":1,"start":2287.59,"end":2288.09},{"sentences":[{"text":"yeah.","start":2287.95,"end":2288.35,"sentiment":"neutral","sentiment_score":0.16224047541618347},{"text":"Yeah.","start":2288.35,"end":2288.6702,"sentiment":"neutral","sentiment_score":0.24524399638175964},{"text":"We can look at very defensive investments.","start":2288.6702,"end":2290.77,"sentiment":"neutral","sentiment_score":0.2141255885362625},{"text":"We can look at things that are a lot more low risk because you guys have still sort of mentioned that you're not accessing super for ten years.","start":2290.9102,"end":2298.19,"sentiment":"neutral","sentiment_score":0.12528274926756108},{"text":"With Peter still comfortable in that high growth environment, that's absolutely fine.","start":2298.19,"end":2302.7449,"sentiment":"positive","sentiment_score":0.4201061154405276}],"sentiment":"neutral","sentiment_score":0.21337865216999638,"channel":0,"num_words":49,"start":2287.95,"end":2302.7449},{"sentences":[{"text":"With you in that growth environment, that's still fine and okay.","start":2302.9648,"end":2306.265,"sentiment":"positive","sentiment_score":0.4124302606691014},{"text":"As you get closer to that ten year time horizon, I would definitely be telling you to pull things back a little bit, and we'll be having that conversation more and more as as the years go on.","start":2306.4849,"end":2316.1648,"sentiment":"neutral","sentiment_score":0.15320288958518127},{"text":"So,","start":2316.1648,"end":2316.6648,"sentiment":"neutral","sentiment_score":0.19608519971370697}],"sentiment":"neutral","sentiment_score":0.21109055742621421,"channel":0,"num_words":50,"start":2302.9648,"end":2316.6648},{"sentences":[{"text":"Yep.","start":2316.6401,"end":2317.1401,"sentiment":"neutral","sentiment_score":0.20640769600868225},{"text":"Yes.","start":2317.2,"end":2317.7,"sentiment":"neutral","sentiment_score":0.17908085882663727}],"sentiment":"neutral","sentiment_score":0.19274427741765976,"channel":1,"num_words":2,"start":2316.6401,"end":2317.7},{"sentences":[{"text":"you know, we don't wanna keep you really risky forever.","start":2317.51,"end":2320.81,"sentiment":"neutral","sentiment_score":-0.1406508669257164},{"text":"It's about making","start":2320.87,"end":2321.75,"sentiment":"neutral","sentiment_score":-0.01860552281141281}],"sentiment":"neutral","sentiment_score":-0.11248655674549249,"channel":0,"num_words":13,"start":2317.51,"end":2321.75},{"sentences":[{"text":"No.","start":2321.625,"end":2322.125,"sentiment":"neutral","sentiment_score":-0.14520663022994995}],"sentiment":"neutral","sentiment_score":-0.14520663022994995,"channel":1,"num_words":1,"start":2321.625,"end":2322.125},{"sentences":[{"text":"sure that you're invested in a comfort level, but also for the time horizon that you suit as well.","start":2321.75,"end":2327.03,"sentiment":"neutral","sentiment_score":0.14127786300684275},{"text":"So, yeah, there's definitely ways that we can look at that, and it's definitely different for everyone as well.","start":2327.03,"end":2332.4749,"sentiment":"neutral","sentiment_score":0.21806073855412633}],"sentiment":"neutral","sentiment_score":0.17966930078048454,"channel":0,"num_words":38,"start":2321.75,"end":2332.4749},{"sentences":[{"text":"Yeah.","start":2332.185,"end":2332.685,"sentiment":"neutral","sentiment_score":0.09019359946250916}],"sentiment":"neutral","sentiment_score":0.09019359946250916,"channel":1,"num_words":1,"start":2332.185,"end":2332.685},{"sentences":[{"text":"So","start":2332.4749,"end":2332.875,"sentiment":"neutral","sentiment_score":0.11611458659172058}],"sentiment":"neutral","sentiment_score":0.11611458659172058,"channel":0,"num_words":1,"start":2332.4749,"end":2332.875},{"sentences":[{"text":"Yeah.","start":2333.145,"end":2333.625,"sentiment":"neutral","sentiment_score":0.12829934060573578}],"sentiment":"neutral","sentiment_score":0.12829934060573578,"channel":1,"num_words":1,"start":2333.145,"end":2333.625},{"sentences":[{"text":"yeah.","start":2333.275,"end":2333.775,"sentiment":"neutral","sentiment_score":0.13517622649669647}],"sentiment":"neutral","sentiment_score":0.13517622649669647,"channel":0,"num_words":1,"start":2333.275,"end":2333.775},{"sentences":[{"text":"Yep.","start":2333.625,"end":2334.125,"sentiment":"neutral","sentiment_score":0.15119975805282593}],"sentiment":"neutral","sentiment_score":0.15119975805282593,"channel":1,"num_words":1,"start":2333.625,"end":2334.125},{"sentences":[{"text":"Yeah.","start":2334.2349,"end":2334.7349,"sentiment":"neutral","sentiment_score":0.12406571954488754},{"text":"But, no, that's essentially how those sorts of investments work.","start":2335.6748,"end":2338.9749,"sentiment":"neutral","sentiment_score":0.054893330112099646},{"text":"As I said, we'll sell a bit of the gold.","start":2339.515,"end":2341.775,"sentiment":"neutral","sentiment_score":0.20834190249443055},{"text":"You've got a high amount of fixed interest to the Vanguard.","start":2341.9949,"end":2344.875,"sentiment":"neutral","sentiment_score":0.31173660267483105},{"text":"They will sell some of also all of that, sorry,","start":2344.875,"end":2347.55,"sentiment":"neutral","sentiment_score":0.1684719905257225}],"sentiment":"neutral","sentiment_score":0.18738668048310847,"channel":0,"num_words":42,"start":2334.2349,"end":2347.55},{"sentences":[{"text":"Yes.","start":2347.65,"end":2348.15,"sentiment":"neutral","sentiment_score":0.2026919424533844}],"sentiment":"neutral","sentiment_score":0.2026919424533844,"channel":1,"num_words":1,"start":2347.65,"end":2348.15},{"sentences":[{"text":"and","start":2348.1702,"end":2348.4102,"sentiment":"neutral","sentiment_score":0.23895618319511416}],"sentiment":"neutral","sentiment_score":0.23895618319511416,"channel":0,"num_words":1,"start":2348.1702,"end":2348.4102},{"sentences":[{"text":"Yep.","start":2348.3699,"end":2348.8699,"sentiment":"neutral","sentiment_score":0.2353343665599823}],"sentiment":"neutral","sentiment_score":0.2353343665599823,"channel":1,"num_words":1,"start":2348.3699,"end":2348.8699},{"sentences":[{"text":"put the money into the core composite bonds because bonds are doing really well at the moment, and this is well diversified for you.","start":2348.4102,"end":2356.35,"sentiment":"positive","sentiment_score":0.41353535155455273}],"sentiment":"positive","sentiment_score":0.41353535155455273,"channel":0,"num_words":24,"start":2348.4102,"end":2356.35},{"sentences":[{"text":"Mhmm.","start":2356.835,"end":2356.915,"sentiment":"neutral","sentiment_score":0.12402938306331636},{"text":"Yep.","start":2356.915,"end":2357.415,"sentiment":"neutral","sentiment_score":0.14570079743862152}],"sentiment":"neutral","sentiment_score":0.13486509025096893,"channel":1,"num_words":2,"start":2356.835,"end":2357.415},{"sentences":[{"text":"We'll keep some cyber security.","start":2356.9702,"end":2358.75,"sentiment":"neutral","sentiment_score":0.2404801905155182},{"text":"Just bring you down to five to 5% there, and then we'll also have some European bringing you up to 8%.","start":2358.81,"end":2366.145,"sentiment":"neutral","sentiment_score":0.19163753588994345},{"text":"The iShares, Europe one, the Miski, we're gonna sell all of that.","start":2366.685,"end":2371.325,"sentiment":"neutral","sentiment_score":0.15993047319352627},{"text":"We're gonna buy a bit more Japan sorry.","start":2371.325,"end":2373.5652,"sentiment":"neutral","sentiment_score":0.15487552620470524},{"text":"Sell a bit of Japan, bring you down to 5% there.","start":2373.5652,"end":2376.3052,"sentiment":"neutral","sentiment_score":0.1714148982004686}],"sentiment":"neutral","sentiment_score":0.1801846135865178,"channel":0,"num_words":57,"start":2356.9702,"end":2376.3052},{"sentences":[{"text":"The S","start":2376.81,"end":2377.05,"sentiment":"neutral","sentiment_score":0.1924302577972412}],"sentiment":"neutral","sentiment_score":0.1924302577972412,"channel":0,"num_words":2,"start":2376.81,"end":2377.05},{"sentences":[{"text":"Mhmm.","start":2376.985,"end":2377.485,"sentiment":"neutral","sentiment_score":0.2007407993078232}],"sentiment":"neutral","sentiment_score":0.2007407993078232,"channel":1,"num_words":1,"start":2376.985,"end":2377.485},{"sentences":[{"text":"and P 500 will bring you back down to about 30%.","start":2377.05,"end":2380.59,"sentiment":"neutral","sentiment_score":0.253942608833313},{"text":"Make sure you've got some of the all world index as well.","start":2380.73,"end":2384.03,"sentiment":"neutral","sentiment_score":0.2632216550409794},{"text":"And then, again, we'll keep some we've got some beta shares a 200 in there as well for world diversification and access to the Australian market as well.","start":2384.25,"end":2393.625,"sentiment":"neutral","sentiment_score":0.2370667260672365},{"text":"Okay?","start":2393.6848,"end":2394.1848,"sentiment":"neutral","sentiment_score":0.09451223909854888}],"sentiment":"neutral","sentiment_score":0.24393094474306473,"channel":0,"num_words":52,"start":2377.05,"end":2394.1848},{"sentences":[{"text":"Mhmm.","start":2394.21,"end":2394.71,"sentiment":"neutral","sentiment_score":0.06144825369119644},{"text":"Yes.","start":2394.8499,"end":2395.3499,"sentiment":"neutral","sentiment_score":0.1217108517885208}],"sentiment":"neutral","sentiment_score":0.09157955273985863,"channel":1,"num_words":2,"start":2394.21,"end":2395.3499},{"sentences":[{"text":"Your your cash component is still quite high as well, so we're gonna make sure that we bring that down to the minimum because having a lot of money in cash really doesn't do anything for you.","start":2395.4448,"end":2406.05,"sentiment":"neutral","sentiment_score":-0.05280919534129065},{"text":"It actually costs you money by having it sitting in a cash account.","start":2406.05,"end":2409.1702,"sentiment":"neutral","sentiment_score":-0.2019966966830767},{"text":"You pay, you know, fees for that, but you don't get any kind of return for it.","start":2409.1702,"end":2413.49,"sentiment":"neutral","sentiment_score":-0.16868536437259002},{"text":"So","start":2413.49,"end":2413.99,"sentiment":"neutral","sentiment_score":0.008823633193969727}],"sentiment":"neutral","sentiment_score":-0.10939301243599724,"channel":0,"num_words":68,"start":2395.4448,"end":2413.99},{"sentences":[{"text":"Yes.","start":2413.755,"end":2414.1,"sentiment":"neutral","sentiment_score":-0.003234800649806857},{"text":"And","start":2414.1802,"end":2414.4202,"sentiment":"neutral","sentiment_score":0.07312938570976257}],"sentiment":"neutral","sentiment_score":0.03494729252997786,"channel":1,"num_words":2,"start":2413.755,"end":2414.4202},{"sentences":[{"text":"you","start":2414.37,"end":2414.53,"sentiment":"neutral","sentiment_score":0.0694541484117508}],"sentiment":"neutral","sentiment_score":0.0694541484117508,"channel":0,"num_words":1,"start":2414.37,"end":2414.53},{"sentences":[{"text":"that","start":2414.4202,"end":2414.58,"sentiment":"neutral","sentiment_score":0.09342896938323976}],"sentiment":"neutral","sentiment_score":0.09342896938323976,"channel":1,"num_words":1,"start":2414.4202,"end":2414.58},{"sentences":[{"text":"do","start":2414.53,"end":2414.6902,"sentiment":"neutral","sentiment_score":0.11528280377388}],"sentiment":"neutral","sentiment_score":0.11528280377388,"channel":0,"num_words":1,"start":2414.53,"end":2414.6902},{"sentences":[{"text":"all","start":2414.58,"end":2414.9001,"sentiment":"neutral","sentiment_score":0.10063670575618744}],"sentiment":"neutral","sentiment_score":0.10063670575618744,"channel":1,"num_words":1,"start":2414.58,"end":2414.9001},{"sentences":[{"text":"have","start":2414.6902,"end":2415.01,"sentiment":"neutral","sentiment_score":0.07929269969463348}],"sentiment":"neutral","sentiment_score":0.07929269969463348,"channel":0,"num_words":1,"start":2414.6902,"end":2415.01},{"sentences":[{"text":"that","start":2414.9001,"end":2415.1401,"sentiment":"neutral","sentiment_score":0.04600606858730316}],"sentiment":"neutral","sentiment_score":0.04600606858730316,"channel":1,"num_words":1,"start":2414.9001,"end":2415.1401},{"sentences":[{"text":"quite","start":2415.01,"end":2415.49,"sentiment":"neutral","sentiment_score":0.03261897712945938}],"sentiment":"neutral","sentiment_score":0.03261897712945938,"channel":0,"num_words":1,"start":2415.01,"end":2415.49},{"sentences":[{"text":"all came","start":2415.1401,"end":2415.78,"sentiment":"neutral","sentiment_score":0.09684156253933907}],"sentiment":"neutral","sentiment_score":0.09684156253933907,"channel":1,"num_words":2,"start":2415.1401,"end":2415.78},{"sentences":[{"text":"a lot","start":2415.49,"end":2415.8901,"sentiment":"neutral","sentiment_score":0.10956320911645889}],"sentiment":"neutral","sentiment_score":0.10956320911645889,"channel":0,"num_words":2,"start":2415.49,"end":2415.8901},{"sentences":[{"text":"that","start":2415.78,"end":2416.02,"sentiment":"neutral","sentiment_score":0.06261193752288818}],"sentiment":"neutral","sentiment_score":0.06261193752288818,"channel":1,"num_words":1,"start":2415.78,"end":2416.02},{"sentences":[{"text":"there.","start":2415.8901,"end":2416.3901,"sentiment":"neutral","sentiment_score":0.061574291437864304}],"sentiment":"neutral","sentiment_score":0.061574291437864304,"channel":0,"num_words":1,"start":2415.8901,"end":2416.3901},{"sentences":[{"text":"all came from dividends.","start":2416.02,"end":2417.1602,"sentiment":"neutral","sentiment_score":0.045081891817972064},{"text":"Is that right?","start":2417.3,"end":2418.2002,"sentiment":"neutral","sentiment_score":0.02266944634417693}],"sentiment":"neutral","sentiment_score":0.03547655804348843,"channel":1,"num_words":7,"start":2416.02,"end":2418.2002},{"sentences":[{"text":"No.","start":2418.905,"end":2419.385,"sentiment":"neutral","sentiment_score":-0.2143803983926773},{"text":"Yeah.","start":2419.385,"end":2419.625,"sentiment":"neutral","sentiment_score":-0.12462128698825836},{"text":"It would have been over the course of the year, but a","start":2419.625,"end":2422.025,"sentiment":"neutral","sentiment_score":-0.08416292226562898}],"sentiment":"neutral","sentiment_score":-0.09635405375489167,"channel":0,"num_words":14,"start":2418.905,"end":2422.025},{"sentences":[{"text":"Yep.","start":2422.02,"end":2422.52,"sentiment":"neutral","sentiment_score":0.002599623054265976}],"sentiment":"neutral","sentiment_score":0.002599623054265976,"channel":1,"num_words":1,"start":2422.02,"end":2422.52},{"sentences":[{"text":"lot of it was also just, you know, in cash management.","start":2422.025,"end":2425.485,"sentiment":"neutral","sentiment_score":-0.023828435350548138},{"text":"So the super","start":2425.705,"end":2426.665,"sentiment":"neutral","sentiment_score":0.06887875248988469}],"sentiment":"neutral","sentiment_score":-0.003962609384741103,"channel":0,"num_words":14,"start":2422.025,"end":2426.665},{"sentences":[{"text":"Mhmm.","start":2426.6602,"end":2427.1602,"sentiment":"neutral","sentiment_score":0.061225224286317825}],"sentiment":"neutral","sentiment_score":0.061225224286317825,"channel":1,"num_words":1,"start":2426.6602,"end":2427.1602},{"sentences":[{"text":"funds do cash management every so often, and they'll sell an investment, try to re reweight or rebalance an investment, and the difference will go back into cash.","start":2426.665,"end":2436.72,"sentiment":"neutral","sentiment_score":0.01988509889425976},{"text":"So","start":2436.72,"end":2437.22,"sentiment":"neutral","sentiment_score":0.03640240803360939}],"sentiment":"neutral","sentiment_score":0.020454661278375263,"channel":0,"num_words":29,"start":2426.665,"end":2437.22},{"sentences":[{"text":"Okay.","start":2437.115,"end":2437.2751,"sentiment":"neutral","sentiment_score":0.04698226973414421},{"text":"Okay.","start":2437.2751,"end":2437.7751,"sentiment":"neutral","sentiment_score":0.0521051250398159}],"sentiment":"neutral","sentiment_score":0.04954369738698006,"channel":1,"num_words":2,"start":2437.115,"end":2437.7751},{"sentences":[{"text":"some of that would have been dividends paid.","start":2437.44,"end":2439.52,"sentiment":"neutral","sentiment_score":0.07796057453379035},{"text":"Some of it would have been other things like, you know, cash is being left out by the the fund doing cash management re and rebalances and things like that.","start":2439.52,"end":2449.795,"sentiment":"neutral","sentiment_score":0.017102561177064976}],"sentiment":"neutral","sentiment_score":0.02991477451532295,"channel":0,"num_words":38,"start":2437.44,"end":2449.795},{"sentences":[{"text":"Mhmm.","start":2449.8499,"end":2450.0898,"sentiment":"neutral","sentiment_score":0.0488593764603138}],"sentiment":"neutral","sentiment_score":0.0488593764603138,"channel":1,"num_words":1,"start":2449.8499,"end":2450.0898},{"sentences":[{"text":"Okay?","start":2449.855,"end":2450.355,"sentiment":"neutral","sentiment_score":0.050610363483428955}],"sentiment":"neutral","sentiment_score":0.050610363483428955,"channel":0,"num_words":1,"start":2449.855,"end":2450.355},{"sentences":[{"text":"Yep.","start":2450.0898,"end":2450.41,"sentiment":"neutral","sentiment_score":0.10984711349010468},{"text":"Yep.","start":2450.41,"end":2450.91,"sentiment":"neutral","sentiment_score":0.140594944357872}],"sentiment":"neutral","sentiment_score":0.12522102892398834,"channel":1,"num_words":2,"start":2450.0898,"end":2450.91},{"sentences":[{"text":"Yeah.","start":2450.495,"end":2450.995,"sentiment":"neutral","sentiment_score":0.2102206349372864}],"sentiment":"neutral","sentiment_score":0.2102206349372864,"channel":0,"num_words":1,"start":2450.495,"end":2450.995},{"sentences":[{"text":"Yep.","start":2451.0498,"end":2451.5498,"sentiment":"neutral","sentiment_score":0.2951902151107788}],"sentiment":"neutral","sentiment_score":0.2951902151107788,"channel":1,"num_words":1,"start":2451.0498,"end":2451.5498},{"sentences":[{"text":"All good.","start":2452.415,"end":2453.155,"sentiment":"positive","sentiment_score":0.5969617366790771}],"sentiment":"positive","sentiment_score":0.5969617366790771,"channel":0,"num_words":2,"start":2452.415,"end":2453.155},{"sentences":[{"text":"All good.","start":2453.45,"end":2454.165,"sentiment":"positive","sentiment_score":0.5832303762435913}],"sentiment":"positive","sentiment_score":0.5832303762435913,"channel":1,"num_words":2,"start":2453.45,"end":2454.165},{"sentences":[{"text":"Yeah.","start":2454.815,"end":2455.215,"sentiment":"neutral","sentiment_score":0.2598934471607208},{"text":"So this is essentially the major changes there.","start":2455.215,"end":2457.615,"sentiment":"neutral","sentiment_score":0.0932245459407568},{"text":"I'll show you why I've made these changes.","start":2457.615,"end":2460.08,"sentiment":"neutral","sentiment_score":0.16551763471215963},{"text":"If you go down to page 36 for me,","start":2460.08,"end":2463.22,"sentiment":"neutral","sentiment_score":0.030583464437060885}],"sentiment":"neutral","sentiment_score":0.1001954643199077,"channel":0,"num_words":26,"start":2454.815,"end":2463.22},{"sentences":[{"text":"Mhmm.","start":2463.685,"end":2464.185,"sentiment":"neutral","sentiment_score":0.037129178643226624}],"sentiment":"neutral","sentiment_score":0.037129178643226624,"channel":1,"num_words":1,"start":2463.685,"end":2464.185},{"sentences":[{"text":"and this is something that's not really important in any of the other plans.","start":2464.4,"end":2467.2,"sentiment":"neutral","sentiment_score":-0.052886943731989176},{"text":"It's something I like to do.","start":2467.2,"end":2468.56,"sentiment":"neutral","sentiment_score":0.22347008933623633},{"text":"It's kind of modeling out to show you, you know, where we're kinda tracking.","start":2468.56,"end":2473.06,"sentiment":"neutral","sentiment_score":0.24033286103180476},{"text":"And if these investments perform the way we want them to the way they have over the past, we can kinda see that as you get to those retirement years, what kinda income you could be able to draw down.","start":2474.445,"end":2486.73,"sentiment":"neutral","sentiment_score":0.2387659702450037},{"text":"I've had a bit of a look, and based on the assets that we have noted, you will be eligible for a bit of central income.","start":2486.73,"end":2492.83,"sentiment":"neutral","sentiment_score":0.11222664753978069}],"sentiment":"neutral","sentiment_score":0.16433595024049283,"channel":0,"num_words":100,"start":2464.4,"end":2492.83},{"sentences":[{"text":"Mhmm.","start":2493.8,"end":2494.3,"sentiment":"neutral","sentiment_score":0.04745284095406532}],"sentiment":"neutral","sentiment_score":0.04745284095406532,"channel":1,"num_words":1,"start":2493.8,"end":2494.3},{"sentences":[{"text":"So this shows if we are to get some age pension all the way through and when we","start":2494.17,"end":2499.13,"sentiment":"neutral","sentiment_score":0.07764444024198586}],"sentiment":"neutral","sentiment_score":0.07764444024198586,"channel":0,"num_words":18,"start":2494.17,"end":2499.13},{"sentences":[{"text":"Yep.","start":2498.92,"end":2499.42,"sentiment":"neutral","sentiment_score":0.06981191039085388}],"sentiment":"neutral","sentiment_score":0.06981191039085388,"channel":1,"num_words":1,"start":2498.92,"end":2499.42},{"sentences":[{"text":"kind of originally spoke, we were looking for a regular weekly income of a thousand dollars per week from both of your spaces combined","start":2499.13,"end":2507.025,"sentiment":"neutral","sentiment_score":0.14466903172433376}],"sentiment":"neutral","sentiment_score":0.14466903172433376,"channel":0,"num_words":24,"start":2499.13,"end":2507.025},{"sentences":[{"text":"Yep.","start":2507.625,"end":2508.125,"sentiment":"neutral","sentiment_score":0.1385418027639389}],"sentiment":"neutral","sentiment_score":0.1385418027639389,"channel":1,"num_words":1,"start":2507.625,"end":2508.125},{"sentences":[{"text":"and how long that was gonna last.","start":2507.7249,"end":2509.1648,"sentiment":"neutral","sentiment_score":0.15545082092285156},{"text":"So this shows if we make these changes and if the markets work the way they have, and we'll keep tracking and looking at everything, You","start":2509.1648,"end":2517.21,"sentiment":"neutral","sentiment_score":0.21136308805300638}],"sentiment":"neutral","sentiment_score":0.19950291017691293,"channel":0,"num_words":33,"start":2507.7249,"end":2517.21},{"sentences":[{"text":"Mhmm.","start":2517.1448,"end":2517.6448,"sentiment":"neutral","sentiment_score":0.1084374338388443}],"sentiment":"neutral","sentiment_score":0.1084374338388443,"channel":1,"num_words":1,"start":2517.1448,"end":2517.6448},{"sentences":[{"text":"could be eligible for some age pension there, and then we can also draw some income out of both of your supers to supplement.","start":2517.21,"end":2524.51,"sentiment":"neutral","sentiment_score":0.24107728603606424},{"text":"And we can see here that your supers are expected to last until about age 91.","start":2525.21,"end":2530.83,"sentiment":"neutral","sentiment_score":0.0366418658522889}],"sentiment":"neutral","sentiment_score":0.15930311796255409,"channel":0,"num_words":40,"start":2517.21,"end":2530.83},{"sentences":[{"text":"No.","start":2531.42,"end":2531.66,"sentiment":"neutral","sentiment_score":-0.12231150269508362}],"sentiment":"neutral","sentiment_score":-0.12231150269508362,"channel":1,"num_words":1,"start":2531.42,"end":2531.66},{"sentences":[{"text":"And","start":2531.53,"end":2532.03,"sentiment":"neutral","sentiment_score":-0.03608269244432449}],"sentiment":"neutral","sentiment_score":-0.03608269244432449,"channel":0,"num_words":1,"start":2531.53,"end":2532.03},{"sentences":[{"text":"Okay.","start":2531.66,"end":2532.16,"sentiment":"neutral","sentiment_score":-0.005906278267502785}],"sentiment":"neutral","sentiment_score":-0.005906278267502785,"channel":1,"num_words":1,"start":2531.66,"end":2532.16},{"sentences":[{"text":"we're working on a projected income of 52,000 per year.","start":2532.9749,"end":2536.8948,"sentiment":"neutral","sentiment_score":0.004546450520865619},{"text":"This is estimating that you could exceed that and draw 80,205 between your super account balances and Centrelink and have","start":2536.8948,"end":2545.9,"sentiment":"neutral","sentiment_score":0.020897119399160148}],"sentiment":"neutral","sentiment_score":0.015446896439728637,"channel":0,"num_words":30,"start":2532.9749,"end":2545.9},{"sentences":[{"text":"Mhmm.","start":2545.565,"end":2546.065,"sentiment":"neutral","sentiment_score":0.016276884824037552}],"sentiment":"neutral","sentiment_score":0.016276884824037552,"channel":1,"num_words":1,"start":2545.565,"end":2546.065},{"sentences":[{"text":"that last until about age 91.","start":2545.9,"end":2548.1401,"sentiment":"neutral","sentiment_score":-0.0051978059733907385},{"text":"So we could, if we drop down and draw less than 80,000, have that last a little bit longer there.","start":2548.1401,"end":2554.54,"sentiment":"neutral","sentiment_score":-0.03825870472937822},{"text":"But it shows","start":2554.54,"end":2555.34,"sentiment":"neutral","sentiment_score":0.09091304739316304}],"sentiment":"neutral","sentiment_score":-0.018055923732704128,"channel":0,"num_words":29,"start":2545.9,"end":2555.34},{"sentences":[{"text":"Yes.","start":2555.19,"end":2555.69,"sentiment":"neutral","sentiment_score":0.15958601236343384}],"sentiment":"neutral","sentiment_score":0.15958601236343384,"channel":1,"num_words":1,"start":2555.19,"end":2555.69},{"sentences":[{"text":"you that if things work the way they're projected to currently, that this is where we can sort of see","start":2555.34,"end":2561.405,"sentiment":"neutral","sentiment_score":0.1765646155923605}],"sentiment":"neutral","sentiment_score":0.1765646155923605,"channel":0,"num_words":20,"start":2555.34,"end":2561.405},{"sentences":[{"text":"Yeah.","start":2561.27,"end":2561.77,"sentiment":"neutral","sentiment_score":0.06833893805742264}],"sentiment":"neutral","sentiment_score":0.06833893805742264,"channel":1,"num_words":1,"start":2561.27,"end":2561.77},{"sentences":[{"text":"things projected for retirement there.","start":2561.405,"end":2563.905,"sentiment":"neutral","sentiment_score":0.06829283684492111},{"text":"Okay?","start":2563.965,"end":2564.465,"sentiment":"neutral","sentiment_score":0.03473582863807678}],"sentiment":"neutral","sentiment_score":0.0627000021437804,"channel":0,"num_words":6,"start":2561.405,"end":2564.465},{"sentences":[{"text":"Mhmm.","start":2564.165,"end":2564.665,"sentiment":"neutral","sentiment_score":0.014201192185282707},{"text":"Yeah.","start":2565.045,"end":2565.545,"sentiment":"neutral","sentiment_score":0.006620755419135094},{"text":"I don't expect","start":2565.845,"end":2566.725,"sentiment":"neutral","sentiment_score":-0.11919245620568593}],"sentiment":"neutral","sentiment_score":-0.067351084202528,"channel":1,"num_words":5,"start":2564.165,"end":2566.725},{"sentences":[{"text":"And then","start":2566.365,"end":2567.105,"sentiment":"neutral","sentiment_score":-0.08921203389763832}],"sentiment":"neutral","sentiment_score":-0.08921203389763832,"channel":0,"num_words":2,"start":2566.365,"end":2567.105},{"sentences":[{"text":"either of us to let last that long.","start":2566.725,"end":2568.745,"sentiment":"neutral","sentiment_score":-0.1430290099233389}],"sentiment":"neutral","sentiment_score":-0.1430290099233389,"channel":1,"num_words":8,"start":2566.725,"end":2568.745},{"sentences":[{"text":"I hope you do.","start":2569.245,"end":2570.545,"sentiment":"neutral","sentiment_score":0.3030253201723099}],"sentiment":"neutral","sentiment_score":0.3030253201723099,"channel":0,"num_words":4,"start":2569.245,"end":2570.545},{"sentences":[{"text":"No.","start":2571.125,"end":2571.625,"sentiment":"neutral","sentiment_score":-0.1081770956516266},{"text":"I'm aiming for I reckon I'm aiming for early eighties.","start":2571.765,"end":2574.645,"sentiment":"neutral","sentiment_score":-0.03735389043577016},{"text":"I reckon I'm too","start":2574.645,"end":2575.445,"sentiment":"neutral","sentiment_score":-0.029277490451931953}],"sentiment":"neutral","sentiment_score":-0.03992173078780373,"channel":1,"num_words":15,"start":2571.125,"end":2575.445},{"sentences":[{"text":"Oh,","start":2575.38,"end":2575.88,"sentiment":"neutral","sentiment_score":-0.03608075901865959}],"sentiment":"neutral","sentiment_score":-0.03608075901865959,"channel":0,"num_words":1,"start":2575.38,"end":2575.88},{"sentences":[{"text":"much like my mother.","start":2575.445,"end":2576.585,"sentiment":"neutral","sentiment_score":-0.0869959257543087}],"sentiment":"neutral","sentiment_score":-0.0869959257543087,"channel":1,"num_words":4,"start":2575.445,"end":2576.585},{"sentences":[{"text":"no.","start":2578.2598,"end":2578.7598,"sentiment":"neutral","sentiment_score":-0.1936616152524948},{"text":"I want you to stay alive as long as I'm working.","start":2580.5,"end":2583.6199,"sentiment":"neutral","sentiment_score":-0.03793807348913767},{"text":"Once I hit retirement, it'll be fine.","start":2583.6199,"end":2586.0398,"sentiment":"neutral","sentiment_score":0.10873832553625107},{"text":"But","start":2588.3398,"end":2588.66,"sentiment":"neutral","sentiment_score":0.0043045878410339355}],"sentiment":"neutral","sentiment_score":0.007724622148089111,"channel":0,"num_words":20,"start":2578.2598,"end":2588.66},{"sentences":[{"text":"No.","start":2588.69,"end":2588.93,"sentiment":"neutral","sentiment_score":-0.015498608350753784},{"text":"But but but 90 the 90 sound is very encouraging.","start":2588.93,"end":2592.55,"sentiment":"positive","sentiment_score":0.4400732919573784},{"text":"So, yeah, you're on a good","start":2592.69,"end":2593.755,"sentiment":"positive","sentiment_score":0.6432695686817169}],"sentiment":"positive","sentiment_score":0.48499127784196067,"channel":1,"num_words":17,"start":2588.69,"end":2593.755},{"sentences":[{"text":"yeah,","start":2593.645,"end":2594.145,"sentiment":"positive","sentiment_score":0.5929288864135742}],"sentiment":"positive","sentiment_score":0.5929288864135742,"channel":0,"num_words":1,"start":2593.645,"end":2594.145},{"sentences":[{"text":"good track there.","start":2593.755,"end":2594.795,"sentiment":"positive","sentiment_score":0.5762185255686442},{"text":"Yeah.","start":2594.795,"end":2595.295,"sentiment":"neutral","sentiment_score":0.1457308828830719}],"sentiment":"positive","sentiment_score":0.46859661489725113,"channel":1,"num_words":4,"start":2593.755,"end":2595.295},{"sentences":[{"text":"yeah, and the next one down shows you essentially the track without age pension.","start":2595.165,"end":2599.645,"sentiment":"neutral","sentiment_score":0.00009406105216060366},{"text":"So, obviously, without having age pension factored in here, we are a little bit short of what your goal income is between your two super accounts.","start":2599.645,"end":2607.8901,"sentiment":"neutral","sentiment_score":-0.1920191846214808}],"sentiment":"neutral","sentiment_score":-0.12477954863570631,"channel":0,"num_words":40,"start":2595.165,"end":2607.8901},{"sentences":[{"text":"Mhmm.","start":2608.2349,"end":2608.62,"sentiment":"neutral","sentiment_score":-0.06613273173570633}],"sentiment":"neutral","sentiment_score":-0.06613273173570633,"channel":1,"num_words":1,"start":2608.2349,"end":2608.62},{"sentences":[{"text":"And to get longevity, we'd be drawing about 28,000, which is less than what you you guys want.","start":2608.43,"end":2614.37,"sentiment":"neutral","sentiment_score":-0.15311666164133284},{"text":"So","start":2614.75,"end":2614.91,"sentiment":"neutral","sentiment_score":-0.0034163296222686768}],"sentiment":"neutral","sentiment_score":-0.1452376967982242,"channel":0,"num_words":19,"start":2608.43,"end":2614.91},{"sentences":[{"text":"Yes.","start":2614.86,"end":2615.36,"sentiment":"neutral","sentiment_score":0.05761564522981644}],"sentiment":"neutral","sentiment_score":0.05761564522981644,"channel":1,"num_words":1,"start":2614.86,"end":2615.36},{"sentences":[{"text":"we do wanna make sure we can sort of factor in age pension there, but I like to run these sorts of retirement calculators to see where we're","start":2614.91,"end":2622.255,"sentiment":"neutral","sentiment_score":0.06471877910995058}],"sentiment":"neutral","sentiment_score":0.06471877910995058,"channel":0,"num_words":28,"start":2614.91,"end":2622.255},{"sentences":[{"text":"Yes.","start":2622.06,"end":2622.56,"sentiment":"neutral","sentiment_score":0.1218625158071518}],"sentiment":"neutral","sentiment_score":0.1218625158071518,"channel":1,"num_words":1,"start":2622.06,"end":2622.56},{"sentences":[{"text":"tracking for, what we're headed towards, to give you a bit of an idea.","start":2622.255,"end":2625.455,"sentiment":"neutral","sentiment_score":0.1512592967067446},{"text":"I know it's not something that, if you put into the plans in the past, but I'd kind of like to show you what we're on track for and how we're projecting because it gives you an idea of what retirement might look like, and you guys have worked way too hard over the years not to enjoy your retirement.","start":2625.455,"end":2641.03,"sentiment":"neutral","sentiment_score":0.004705121802786986},{"text":"So","start":2641.25,"end":2641.75,"sentiment":"neutral","sentiment_score":-0.016390085220336914}],"sentiment":"neutral","sentiment_score":0.03178063169121742,"channel":0,"num_words":75,"start":2622.255,"end":2641.75},{"sentences":[{"text":"Yeah.","start":2641.54,"end":2642.04,"sentiment":"neutral","sentiment_score":-0.025277115404605865},{"text":"The thing is is as you are speaking and saying this over and over again, I'm starting to think that it it will be it won't be ten years.","start":2643.7,"end":2651.46,"sentiment":"neutral","sentiment_score":-0.22854307191125278},{"text":"I really don't think I don't think Peter will I don't think Peter will last another ten years at work.","start":2651.46,"end":2656.675,"sentiment":"negative","sentiment_score":-0.5066151410341263}],"sentiment":"negative","sentiment_score":-0.33570658043026924,"channel":1,"num_words":50,"start":2641.54,"end":2656.675},{"sentences":[{"text":"No.","start":2656.505,"end":2657.005,"sentiment":"neutral","sentiment_score":-0.23887090384960177},{"text":"That's okay.","start":2657.2249,"end":2658.125,"sentiment":"neutral","sentiment_score":-0.10605151951313017}],"sentiment":"neutral","sentiment_score":-0.15032464762528738,"channel":0,"num_words":3,"start":2656.505,"end":2658.125},{"sentences":[{"text":"But","start":2658.495,"end":2658.8152,"sentiment":"neutral","sentiment_score":-0.06762593984603882}],"sentiment":"neutral","sentiment_score":-0.06762593984603882,"channel":1,"num_words":1,"start":2658.495,"end":2658.8152},{"sentences":[{"text":"Yeah.","start":2658.585,"end":2659.085,"sentiment":"neutral","sentiment_score":-0.02182449027895927}],"sentiment":"neutral","sentiment_score":-0.02182449027895927,"channel":0,"num_words":1,"start":2658.585,"end":2659.085},{"sentences":[{"text":"but, yeah, you've done the figures for ten years, but I I'm","start":2658.8152,"end":2661.935,"sentiment":"neutral","sentiment_score":-0.05873950074116389}],"sentiment":"neutral","sentiment_score":-0.05873950074116389,"channel":1,"num_words":12,"start":2658.8152,"end":2661.935},{"sentences":[{"text":"Yeah.","start":2661.71,"end":2662.21,"sentiment":"neutral","sentiment_score":-0.12440791726112366}],"sentiment":"neutral","sentiment_score":-0.12440791726112366,"channel":0,"num_words":1,"start":2661.71,"end":2662.21},{"sentences":[{"text":"I'm thinking it was probably gonna be a bit less.","start":2661.935,"end":2665.215,"sentiment":"negative","sentiment_score":-0.3663966149091721},{"text":"Maybe maybe maybe not.","start":2665.215,"end":2667.02,"sentiment":"neutral","sentiment_score":-0.2671564072370529},{"text":"He is only 58.","start":2667.02,"end":2668.3,"sentiment":"neutral","sentiment_score":-0.15874819085001945},{"text":"So if he ten years of making 68.","start":2668.3,"end":2671.1,"sentiment":"neutral","sentiment_score":-0.09031012002378702},{"text":"Hey.","start":2671.1,"end":2671.6,"sentiment":"neutral","sentiment_score":0.010499060153961182}],"sentiment":"neutral","sentiment_score":-0.22516912746208687,"channel":1,"num_words":27,"start":2661.935,"end":2671.6},{"sentences":[{"text":"Yeah.","start":2671.55,"end":2672.05,"sentiment":"neutral","sentiment_score":0.023269232362508777}],"sentiment":"neutral","sentiment_score":0.023269232362508777,"channel":0,"num_words":1,"start":2671.55,"end":2672.05},{"sentences":[{"text":"Yeah.","start":2671.66,"end":2672.16,"sentiment":"neutral","sentiment_score":0.032599590718746185}],"sentiment":"neutral","sentiment_score":0.032599590718746185,"channel":1,"num_words":1,"start":2671.66,"end":2672.16},{"sentences":[{"text":"Yeah.","start":2672.1099,"end":2672.3499,"sentiment":"neutral","sentiment_score":0.04120966047048569},{"text":"And that's kind of where I've I've put that retirement calculator was working on Peter's ten year time horizon,","start":2672.3499,"end":2677.955,"sentiment":"neutral","sentiment_score":0.07017491581408601}],"sentiment":"neutral","sentiment_score":0.06872665304690599,"channel":0,"num_words":20,"start":2672.1099,"end":2677.955},{"sentences":[{"text":"Yeah.","start":2677.98,"end":2678.48,"sentiment":"neutral","sentiment_score":0.06232787296175957}],"sentiment":"neutral","sentiment_score":0.06232787296175957,"channel":1,"num_words":1,"start":2677.98,"end":2678.48},{"sentences":[{"text":"so 60","start":2678.095,"end":2678.815,"sentiment":"neutral","sentiment_score":0.0580139234662056}],"sentiment":"neutral","sentiment_score":0.0580139234662056,"channel":0,"num_words":2,"start":2678.095,"end":2678.815},{"sentences":[{"text":"Yep.","start":2678.54,"end":2678.985,"sentiment":"neutral","sentiment_score":0.06739383190870285}],"sentiment":"neutral","sentiment_score":0.06739383190870285,"channel":1,"num_words":1,"start":2678.54,"end":2678.985},{"sentences":[{"text":"eight for that one.","start":2678.815,"end":2680.275,"sentiment":"neutral","sentiment_score":0.09560690075159073},{"text":"And,","start":2680.415,"end":2680.655,"sentiment":"neutral","sentiment_score":0.06289225816726685}],"sentiment":"neutral","sentiment_score":0.08906397223472595,"channel":0,"num_words":5,"start":2678.815,"end":2680.655},{"sentences":[{"text":"Yep.","start":2680.5051,"end":2681.0051,"sentiment":"neutral","sentiment_score":0.08013908565044403}],"sentiment":"neutral","sentiment_score":0.08013908565044403,"channel":1,"num_words":1,"start":2680.5051,"end":2681.0051},{"sentences":[{"text":"I mean, you guys are eligible for age pension at 67.","start":2680.655,"end":2683.875,"sentiment":"neutral","sentiment_score":0.08666203204881061},{"text":"So,","start":2683.935,"end":2684.435,"sentiment":"neutral","sentiment_score":0.0488559827208519}],"sentiment":"neutral","sentiment_score":0.08351152793814738,"channel":0,"num_words":12,"start":2680.655,"end":2684.435},{"sentences":[{"text":"Yeah.","start":2684.2651,"end":2684.745,"sentiment":"neutral","sentiment_score":0.05841396003961563},{"text":"Yeah.","start":2684.745,"end":2685.0652,"sentiment":"neutral","sentiment_score":0.047389328479766846}],"sentiment":"neutral","sentiment_score":0.05290164425969124,"channel":1,"num_words":2,"start":2684.2651,"end":2685.0652},{"sentences":[{"text":"you know,","start":2684.815,"end":2685.475,"sentiment":"neutral","sentiment_score":0.022152398712933064}],"sentiment":"neutral","sentiment_score":0.022152398712933064,"channel":0,"num_words":2,"start":2684.815,"end":2685.475},{"sentences":[{"text":"Unless it","start":2685.0652,"end":2685.705,"sentiment":"neutral","sentiment_score":-0.027089403942227364}],"sentiment":"neutral","sentiment_score":-0.027089403942227364,"channel":1,"num_words":2,"start":2685.0652,"end":2685.705},{"sentences":[{"text":"that","start":2685.535,"end":2685.775,"sentiment":"neutral","sentiment_score":-0.051605600863695145}],"sentiment":"neutral","sentiment_score":-0.051605600863695145,"channel":0,"num_words":1,"start":2685.535,"end":2685.775},{"sentences":[{"text":"changes","start":2685.705,"end":2686.1052,"sentiment":"neutral","sentiment_score":-0.07580813765525818}],"sentiment":"neutral","sentiment_score":-0.07580813765525818,"channel":1,"num_words":1,"start":2685.705,"end":2686.1052},{"sentences":[{"text":"that is","start":2685.775,"end":2686.5151,"sentiment":"neutral","sentiment_score":-0.062319664284586906}],"sentiment":"neutral","sentiment_score":-0.062319664284586906,"channel":0,"num_words":2,"start":2685.775,"end":2686.5151},{"sentences":[{"text":"because can that change,","start":2686.1052,"end":2687.465,"sentiment":"neutral","sentiment_score":-0.04479216132313013}],"sentiment":"neutral","sentiment_score":-0.04479216132313013,"channel":1,"num_words":4,"start":2686.1052,"end":2687.465},{"sentences":[{"text":"yeah.","start":2687.295,"end":2687.795,"sentiment":"neutral","sentiment_score":0.004916045814752579}],"sentiment":"neutral","sentiment_score":0.004916045814752579,"channel":0,"num_words":1,"start":2687.295,"end":2687.795},{"sentences":[{"text":"do you think, in the next couple of years?","start":2687.465,"end":2689.245,"sentiment":"neutral","sentiment_score":-0.01245396811929014},{"text":"Do you think they can","start":2689.465,"end":2690.6052,"sentiment":"neutral","sentiment_score":-0.05376364141702652}],"sentiment":"neutral","sentiment_score":-0.027207422868481705,"channel":1,"num_words":14,"start":2687.465,"end":2690.6052},{"sentences":[{"text":"I think it will change, but I don't think it will affect you guys.","start":2691.4001,"end":2694.6802,"sentiment":"neutral","sentiment_score":-0.13948003468768938},{"text":"It'll be","start":2694.6802,"end":2695.5,"sentiment":"neutral","sentiment_score":0.006871252320706844}],"sentiment":"neutral","sentiment_score":-0.12118612381163985,"channel":0,"num_words":16,"start":2691.4001,"end":2695.5},{"sentences":[{"text":"Oh, okay.","start":2695.22,"end":2696.04,"sentiment":"neutral","sentiment_score":0.06880459189414978}],"sentiment":"neutral","sentiment_score":0.06880459189414978,"channel":1,"num_words":2,"start":2695.22,"end":2696.04},{"sentences":[{"text":"it'll be grandfathered because anyone on and you sort of see when they made those changes to the age pension, they did grandfather it.","start":2695.9602,"end":2703.6401,"sentiment":"neutral","sentiment_score":0.050405051869650684},{"text":"So anywhere before 1961, there was kind of that change where people who were in their fifties were eligible for accessing Centrelink due to the year they were born.","start":2703.6401,"end":2714.625,"sentiment":"neutral","sentiment_score":0.05404120401061814}],"sentiment":"neutral","sentiment_score":0.05239464455055741,"channel":0,"num_words":53,"start":2695.9602,"end":2714.625},{"sentences":[{"text":"Yes.","start":2715.065,"end":2715.565,"sentiment":"neutral","sentiment_score":0.08416341990232468}],"sentiment":"neutral","sentiment_score":0.08416341990232468,"channel":1,"num_words":1,"start":2715.065,"end":2715.565},{"sentences":[{"text":"But I do think the change will be coming.","start":2715.965,"end":2718.045,"sentiment":"neutral","sentiment_score":0.04203380892674128},{"text":"I don't think it'll be in the ten years because right now with where we are, with the amount of people about to retire and, like, my mom is one of those.","start":2718.045,"end":2726.7,"sentiment":"neutral","sentiment_score":-0.18114705476909876},{"text":"My mom is 64 this year,","start":2726.7,"end":2728.8,"sentiment":"neutral","sentiment_score":-0.11501580725113551}],"sentiment":"neutral","sentiment_score":-0.12996800671866598,"channel":0,"num_words":47,"start":2715.965,"end":2728.8},{"sentences":[{"text":"Yep.","start":2729.18,"end":2729.68,"sentiment":"neutral","sentiment_score":-0.06489662081003189}],"sentiment":"neutral","sentiment_score":-0.06489662081003189,"channel":1,"num_words":1,"start":2729.18,"end":2729.68},{"sentences":[{"text":"and she is hanging out for age 67 to be able to give up work.","start":2729.34,"end":2733.02,"sentiment":"neutral","sentiment_score":-0.20422677944103876},{"text":"She's an age 10","start":2733.02,"end":2733.965,"sentiment":"neutral","sentiment_score":-0.07146981824189425}],"sentiment":"neutral","sentiment_score":-0.17627794550437675,"channel":0,"num_words":19,"start":2729.34,"end":2733.965},{"sentences":[{"text":"Yes.","start":2733.74,"end":2734.24,"sentiment":"neutral","sentiment_score":-0.06099100410938263}],"sentiment":"neutral","sentiment_score":-0.06099100410938263,"channel":1,"num_words":1,"start":2733.74,"end":2734.24},{"sentences":[{"text":"nurse.","start":2733.965,"end":2734.2852,"sentiment":"neutral","sentiment_score":-0.14486807584762573},{"text":"It's very it's very strenuous.","start":2734.2852,"end":2735.905,"sentiment":"negative","sentiment_score":-0.5907076358795166}],"sentiment":"negative","sentiment_score":-0.5164010425408682,"channel":0,"num_words":6,"start":2733.965,"end":2735.905},{"sentences":[{"text":"My","start":2736.615,"end":2736.855,"sentiment":"neutral","sentiment_score":-0.23288516700267792}],"sentiment":"neutral","sentiment_score":-0.23288516700267792,"channel":1,"num_words":1,"start":2736.615,"end":2736.855},{"sentences":[{"text":"So","start":2736.7651,"end":2737.085,"sentiment":"neutral","sentiment_score":-0.1741599440574646}],"sentiment":"neutral","sentiment_score":-0.1741599440574646,"channel":0,"num_words":1,"start":2736.7651,"end":2737.085},{"sentences":[{"text":"sister","start":2736.855,"end":2737.175,"sentiment":"neutral","sentiment_score":-0.19747652113437653}],"sentiment":"neutral","sentiment_score":-0.19747652113437653,"channel":1,"num_words":1,"start":2736.855,"end":2737.175},{"sentences":[{"text":"60","start":2737.085,"end":2737.585,"sentiment":"neutral","sentiment_score":-0.156750425696373}],"sentiment":"neutral","sentiment_score":-0.156750425696373,"channel":0,"num_words":1,"start":2737.085,"end":2737.585},{"sentences":[{"text":"as well.","start":2737.175,"end":2737.995,"sentiment":"neutral","sentiment_score":-0.1480415239930153},{"text":"Not not the","start":2738.135,"end":2738.615,"sentiment":"neutral","sentiment_score":-0.2165764719247818}],"sentiment":"neutral","sentiment_score":-0.1891624927520752,"channel":1,"num_words":5,"start":2737.175,"end":2738.615},{"sentences":[{"text":"yeah.","start":2738.525,"end":2739.025,"sentiment":"neutral","sentiment_score":-0.20074313879013064}],"sentiment":"neutral","sentiment_score":-0.20074313879013064,"channel":0,"num_words":1,"start":2738.525,"end":2739.025},{"sentences":[{"text":"one with the not the one with a lot of money, but the one that's struggling down south.","start":2738.615,"end":2742.475,"sentiment":"neutral","sentiment_score":-0.2967809620830748},{"text":"She's","start":2742.695,"end":2743.095,"sentiment":"neutral","sentiment_score":-0.1834811568260193}],"sentiment":"neutral","sentiment_score":-0.2908178144379666,"channel":1,"num_words":19,"start":2738.615,"end":2743.095},{"sentences":[{"text":"Yep.","start":2743.0051,"end":2743.5051,"sentiment":"neutral","sentiment_score":-0.13329486548900604}],"sentiment":"neutral","sentiment_score":-0.13329486548900604,"channel":0,"num_words":1,"start":2743.0051,"end":2743.5051},{"sentences":[{"text":"four years older than me.","start":2743.095,"end":2744.135,"sentiment":"neutral","sentiment_score":-0.17486198544502257},{"text":"So she's 65 this year, but she has terrible","start":2744.135,"end":2746.455,"sentiment":"neutral","sentiment_score":-0.3073740452528}],"sentiment":"neutral","sentiment_score":-0.2600483096071652,"channel":1,"num_words":14,"start":2743.095,"end":2746.455},{"sentences":[{"text":"Yep.","start":2746.365,"end":2746.865,"sentiment":"negative","sentiment_score":-0.5424360632896423}],"sentiment":"negative","sentiment_score":-0.5424360632896423,"channel":0,"num_words":1,"start":2746.365,"end":2746.865},{"sentences":[{"text":"back problems.","start":2746.455,"end":2747.095,"sentiment":"negative","sentiment_score":-0.5755440592765808},{"text":"Well, she's been in the funeral industry.","start":2747.095,"end":2748.875,"sentiment":"neutral","sentiment_score":-0.29389924662453787},{"text":"So","start":2749.52,"end":2749.92,"sentiment":"neutral","sentiment_score":-0.16341166198253632}],"sentiment":"negative","sentiment_score":-0.3371794506907463,"channel":1,"num_words":10,"start":2746.455,"end":2749.92},{"sentences":[{"text":"Oh, that's","start":2749.9102,"end":2750.3901,"sentiment":"neutral","sentiment_score":-0.23265287280082703}],"sentiment":"neutral","sentiment_score":-0.23265287280082703,"channel":0,"num_words":2,"start":2749.9102,"end":2750.3901},{"sentences":[{"text":"well,","start":2750.32,"end":2750.64,"sentiment":"neutral","sentiment_score":-0.2896004021167755}],"sentiment":"neutral","sentiment_score":-0.2896004021167755,"channel":1,"num_words":1,"start":2750.32,"end":2750.64},{"sentences":[{"text":"a lot.","start":2750.3901,"end":2751.05,"sentiment":"neutral","sentiment_score":-0.2875981628894806}],"sentiment":"neutral","sentiment_score":-0.2875981628894806,"channel":0,"num_words":2,"start":2750.3901,"end":2751.05},{"sentences":[{"text":"she so","start":2750.64,"end":2751.44,"sentiment":"neutral","sentiment_score":-0.11114730313420296}],"sentiment":"neutral","sentiment_score":-0.11114730313420296,"channel":1,"num_words":2,"start":2750.64,"end":2751.44},{"sentences":[{"text":"Yeah.","start":2751.27,"end":2751.77,"sentiment":"neutral","sentiment_score":-0.13406455516815186}],"sentiment":"neutral","sentiment_score":-0.13406455516815186,"channel":0,"num_words":1,"start":2751.27,"end":2751.77},{"sentences":[{"text":"she's chopped and changed from being a person who picks up the deceased, which is very hard on the body, to now so then she changed to just doing services.","start":2751.44,"end":2761.06,"sentiment":"neutral","sentiment_score":-0.3115903280675411},{"text":"But she said,","start":2761.2,"end":2761.76,"sentiment":"neutral","sentiment_score":-0.10921828945477803}],"sentiment":"neutral","sentiment_score":-0.29319287001183536,"channel":1,"num_words":33,"start":2751.44,"end":2761.76},{"sentences":[{"text":"Yeah.","start":2761.6702,"end":2762.1702,"sentiment":"neutral","sentiment_score":-0.16662508249282837}],"sentiment":"neutral","sentiment_score":-0.16662508249282837,"channel":0,"num_words":1,"start":2761.6702,"end":2762.1702},{"sentences":[{"text":"surprisingly, that's hard on the body as well.","start":2761.76,"end":2764.26,"sentiment":"negative","sentiment_score":-0.5497489646077156},{"text":"You know,","start":2764.6748,"end":2765.255,"sentiment":"neutral","sentiment_score":-0.20066749304533005}],"sentiment":"negative","sentiment_score":-0.4799326702952385,"channel":1,"num_words":10,"start":2761.76,"end":2765.255},{"sentences":[{"text":"Yeah.","start":2765.095,"end":2765.595,"sentiment":"neutral","sentiment_score":-0.18594948947429657}],"sentiment":"neutral","sentiment_score":-0.18594948947429657,"channel":0,"num_words":1,"start":2765.095,"end":2765.595},{"sentences":[{"text":"getting the bodies to and from, you know, crematoriums and and cemeteries and that.","start":2765.9548,"end":2771.335,"sentiment":"neutral","sentiment_score":-0.25240474194288254},{"text":"But now she's moved to a call center where she's organizing funerals.","start":2771.4749,"end":2775.635,"sentiment":"neutral","sentiment_score":-0.13988085060069957},{"text":"So she said, I'm hoping I'm hoping I can seek it for another two years, you know, at work.","start":2775.635,"end":2782.04,"sentiment":"neutral","sentiment_score":-0.19651050199019282}],"sentiment":"neutral","sentiment_score":-0.19879858071605364,"channel":1,"num_words":45,"start":2765.9548,"end":2782.04},{"sentences":[{"text":"Yes.","start":2781.6301,"end":2782.1301,"sentiment":"neutral","sentiment_score":-0.0014225095510482788}],"sentiment":"neutral","sentiment_score":-0.0014225095510482788,"channel":0,"num_words":1,"start":2781.6301,"end":2782.1301},{"sentences":[{"text":"So she has managed to move with the times, but, you know, when she was doing transfers where she'd wake up in the middle of the night and have to go and pick up a body,","start":2782.18,"end":2790.44,"sentiment":"neutral","sentiment_score":-0.09999864258699948}],"sentiment":"neutral","sentiment_score":-0.09999864258699948,"channel":1,"num_words":36,"start":2782.18,"end":2790.44},{"sentences":[{"text":"Yes.","start":2790.51,"end":2791.01,"sentiment":"neutral","sentiment_score":0.016731390729546547}],"sentiment":"neutral","sentiment_score":0.016731390729546547,"channel":0,"num_words":1,"start":2790.51,"end":2791.01},{"sentences":[{"text":"And she said,","start":2790.7449,"end":2791.2249,"sentiment":"neutral","sentiment_score":-0.02068040706217289}],"sentiment":"neutral","sentiment_score":-0.02068040706217289,"channel":1,"num_words":3,"start":2790.7449,"end":2791.2249},{"sentences":[{"text":"Yes.","start":2791.15,"end":2791.65,"sentiment":"neutral","sentiment_score":-0.007555747404694557}],"sentiment":"neutral","sentiment_score":-0.007555747404694557,"channel":0,"num_words":1,"start":2791.15,"end":2791.65},{"sentences":[{"text":"yes.","start":2791.2249,"end":2791.545,"sentiment":"neutral","sentiment_score":-0.012878311797976494},{"text":"Yes.","start":2791.545,"end":2791.785,"sentiment":"neutral","sentiment_score":-0.0451415479183197},{"text":"You've got two people working, but she said, my back's just killing me.","start":2791.785,"end":2795.4648,"sentiment":"negative","sentiment_score":-0.41668201180604786},{"text":"Yeah.","start":2795.4648,"end":2795.625,"sentiment":"neutral","sentiment_score":-0.25102394819259644},{"text":"And she's she's always had terrible back problems.","start":2795.625,"end":2798.025,"sentiment":"negative","sentiment_score":-0.4080010801553726}],"sentiment":"negative","sentiment_score":-0.3745799417762707,"channel":1,"num_words":24,"start":2791.2249,"end":2798.025},{"sentences":[{"text":"So she's been lucky though that she's now","start":2798.025,"end":2800.285,"sentiment":"neutral","sentiment_score":-0.11913044098764658}],"sentiment":"neutral","sentiment_score":-0.11913044098764658,"channel":1,"num_words":8,"start":2798.025,"end":2800.285},{"sentences":[{"text":"Yeah.","start":2800.275,"end":2800.775,"sentiment":"neutral","sentiment_score":-0.05705083906650543}],"sentiment":"neutral","sentiment_score":-0.05705083906650543,"channel":0,"num_words":1,"start":2800.275,"end":2800.775},{"sentences":[{"text":"transitioned to just sitting at a desk, taking phone calls, but","start":2800.505,"end":2804.045,"sentiment":"neutral","sentiment_score":-0.07127173786813562}],"sentiment":"neutral","sentiment_score":-0.07127173786813562,"channel":1,"num_words":11,"start":2800.505,"end":2804.045},{"sentences":[{"text":"Yeah.","start":2804.835,"end":2805.335,"sentiment":"neutral","sentiment_score":-0.07898980379104614}],"sentiment":"neutral","sentiment_score":-0.07898980379104614,"channel":0,"num_words":1,"start":2804.835,"end":2805.335},{"sentences":[{"text":"she's still got a time made the last two years.","start":2804.85,"end":2807.01,"sentiment":"neutral","sentiment_score":-0.18797629326581955},{"text":"It's a long time, isn't it, before you can access a pension?","start":2807.01,"end":2809.59,"sentiment":"neutral","sentiment_score":-0.22641858831048012},{"text":"You know?","start":2809.7302,"end":2810.1301,"sentiment":"neutral","sentiment_score":-0.12292066216468811},{"text":"And her","start":2810.1301,"end":2810.4502,"sentiment":"neutral","sentiment_score":-0.08684790506958961}],"sentiment":"neutral","sentiment_score":-0.1929355048789428,"channel":1,"num_words":26,"start":2804.85,"end":2810.4502},{"sentences":[{"text":"It","start":2810.35,"end":2810.51,"sentiment":"neutral","sentiment_score":-0.07374090701341629}],"sentiment":"neutral","sentiment_score":-0.07374090701341629,"channel":0,"num_words":1,"start":2810.35,"end":2810.51},{"sentences":[{"text":"husband's","start":2810.4502,"end":2810.9502,"sentiment":"neutral","sentiment_score":-0.10104990005493164}],"sentiment":"neutral","sentiment_score":-0.10104990005493164,"channel":1,"num_words":1,"start":2810.4502,"end":2810.9502},{"sentences":[{"text":"is.","start":2810.51,"end":2811.01,"sentiment":"neutral","sentiment_score":-0.08145417273044586}],"sentiment":"neutral","sentiment_score":-0.08145417273044586,"channel":0,"num_words":1,"start":2810.51,"end":2811.01},{"sentences":[{"text":"her husband's 13","start":2811.09,"end":2812.4502,"sentiment":"neutral","sentiment_score":-0.05745763952533404}],"sentiment":"neutral","sentiment_score":-0.05745763952533404,"channel":1,"num_words":3,"start":2811.09,"end":2812.4502},{"sentences":[{"text":"Yeah.","start":2812.03,"end":2812.53,"sentiment":"neutral","sentiment_score":-0.07029266655445099}],"sentiment":"neutral","sentiment_score":-0.07029266655445099,"channel":0,"num_words":1,"start":2812.03,"end":2812.53},{"sentences":[{"text":"years older than her, so he's","start":2812.4502,"end":2814.61,"sentiment":"neutral","sentiment_score":-0.13387002547581991}],"sentiment":"neutral","sentiment_score":-0.13387002547581991,"channel":1,"num_words":6,"start":2812.4502,"end":2814.61},{"sentences":[{"text":"Yeah.","start":2814.51,"end":2815.01,"sentiment":"neutral","sentiment_score":-0.09715202450752258}],"sentiment":"neutral","sentiment_score":-0.09715202450752258,"channel":0,"num_words":1,"start":2814.51,"end":2815.01},{"sentences":[{"text":"been on a pension.","start":2814.61,"end":2815.6702,"sentiment":"neutral","sentiment_score":-0.15868964791297913},{"text":"And then and and yeah, she's she's battling.","start":2816.29,"end":2821.025,"sentiment":"neutral","sentiment_score":-0.22946802526712418},{"text":"So I can","start":2822.045,"end":2822.445,"sentiment":"neutral","sentiment_score":-0.17195646464824677}],"sentiment":"neutral","sentiment_score":-0.19909147918224335,"channel":1,"num_words":15,"start":2814.61,"end":2822.445},{"sentences":[{"text":"Yeah.","start":2822.415,"end":2822.915,"sentiment":"neutral","sentiment_score":-0.12677016854286194}],"sentiment":"neutral","sentiment_score":-0.12677016854286194,"channel":0,"num_words":1,"start":2822.415,"end":2822.915},{"sentences":[{"text":"imagine if your mom's in aged care.","start":2822.445,"end":2824.925,"sentiment":"neutral","sentiment_score":-0.25102017181260244},{"text":"My god.","start":2824.925,"end":2825.7449,"sentiment":"negative","sentiment_score":-0.4233069121837616},{"text":"Yeah.","start":2825.9648,"end":2826.4648,"sentiment":"neutral","sentiment_score":-0.22559833526611328}],"sentiment":"neutral","sentiment_score":-0.28293533623218536,"channel":1,"num_words":10,"start":2822.445,"end":2826.4648},{"sentences":[{"text":"Yeah.","start":2826.175,"end":2826.675,"sentiment":"neutral","sentiment_score":-0.2417769581079483},{"text":"It it's very,","start":2826.8152,"end":2828.0151,"sentiment":"negative","sentiment_score":-0.41640310486157733}],"sentiment":"negative","sentiment_score":-0.3727465681731701,"channel":0,"num_words":4,"start":2826.175,"end":2828.0151},{"sentences":[{"text":"Hard work.","start":2827.645,"end":2828.305,"sentiment":"negative","sentiment_score":-0.6021697819232941}],"sentiment":"negative","sentiment_score":-0.6021697819232941,"channel":1,"num_words":2,"start":2827.645,"end":2828.305},{"sentences":[{"text":"very difficult.","start":2828.0151,"end":2828.915,"sentiment":"negative","sentiment_score":-0.6121087372303009},{"text":"It is.","start":2828.975,"end":2829.375,"sentiment":"negative","sentiment_score":-0.3929434269666672},{"text":"It is.","start":2829.375,"end":2829.855,"sentiment":"neutral","sentiment_score":-0.29771852493286133},{"text":"And we're just, you know, biding time.","start":2829.855,"end":2831.695,"sentiment":"neutral","sentiment_score":-0.24844373762607574},{"text":"I'm keeping her going for a bit longer.","start":2831.695,"end":2833.615,"sentiment":"neutral","sentiment_score":-0.27527591213583946}],"sentiment":"neutral","sentiment_score":-0.31175499232042403,"channel":0,"num_words":21,"start":2828.0151,"end":2833.615},{"sentences":[{"text":"And she knows as soon as she's because you can apply for age pension when you're thirteen weeks away from age 67 currently.","start":2833.615,"end":2840.8398,"sentiment":"neutral","sentiment_score":-0.11033009737730026},{"text":"So once she hits that thirteen week period, we are hitting that ground running and we're doing it.","start":2840.8398,"end":2846.1199,"sentiment":"neutral","sentiment_score":0.15143585494822925}],"sentiment":"neutral","sentiment_score":0.0045915402290297724,"channel":0,"num_words":41,"start":2833.615,"end":2846.1199},{"sentences":[{"text":"Yep.","start":2846.0051,"end":2846.5051,"sentiment":"neutral","sentiment_score":0.1139875277876854}],"sentiment":"neutral","sentiment_score":0.1139875277876854,"channel":1,"num_words":1,"start":2846.0051,"end":2846.5051},{"sentences":[{"text":"And the same thing for","start":2846.1199,"end":2846.92,"sentiment":"neutral","sentiment_score":0.05925280228257179}],"sentiment":"neutral","sentiment_score":0.05925280228257179,"channel":0,"num_words":5,"start":2846.1199,"end":2846.92},{"sentences":[{"text":"Yeah.","start":2846.8052,"end":2847.3052,"sentiment":"neutral","sentiment_score":0.03640665486454964}],"sentiment":"neutral","sentiment_score":0.03640665486454964,"channel":1,"num_words":1,"start":2846.8052,"end":2847.3052},{"sentences":[{"text":"you guys because I know you're over 60, so you'll reach 67 before Peter will.","start":2846.92,"end":2851.5,"sentiment":"neutral","sentiment_score":0.03711576412121455}],"sentiment":"neutral","sentiment_score":0.03711576412121455,"channel":0,"num_words":15,"start":2846.92,"end":2851.5},{"sentences":[{"text":"Yep.","start":2851.845,"end":2852.345,"sentiment":"neutral","sentiment_score":0.0922074168920517}],"sentiment":"neutral","sentiment_score":0.0922074168920517,"channel":1,"num_words":1,"start":2851.845,"end":2852.345},{"sentences":[{"text":"So when you get to that point, you and I can have that conversation.","start":2852.135,"end":2855.675,"sentiment":"neutral","sentiment_score":0.12381537205406598},{"text":"I can do some math and run some numbers and see what we do and, you know, how we maybe maneuver some money to make it worthwhile so you guys are eligible and keep as much age pension as possible because, you know, you've worked really hard.","start":2855.815,"end":2868.48,"sentiment":"neutral","sentiment_score":0.13983914097572894},{"text":"You deserve these sorts of things","start":2868.48,"end":2870.08,"sentiment":"neutral","sentiment_score":0.11020295818646748}],"sentiment":"neutral","sentiment_score":0.1338369042348506,"channel":0,"num_words":67,"start":2852.135,"end":2870.08},{"sentences":[{"text":"Yep.","start":2869.9402,"end":2870.4402,"sentiment":"neutral","sentiment_score":0.03718751668930054}],"sentiment":"neutral","sentiment_score":0.03718751668930054,"channel":1,"num_words":1,"start":2869.9402,"end":2870.4402},{"sentences":[{"text":"and a","start":2870.08,"end":2870.6401,"sentiment":"neutral","sentiment_score":0.006318699335679412}],"sentiment":"neutral","sentiment_score":0.006318699335679412,"channel":0,"num_words":2,"start":2870.08,"end":2870.6401},{"sentences":[{"text":"How","start":2870.5,"end":2870.74,"sentiment":"neutral","sentiment_score":-0.002294819802045822}],"sentiment":"neutral","sentiment_score":-0.002294819802045822,"channel":1,"num_words":1,"start":2870.5,"end":2870.74},{"sentences":[{"text":"little","start":2870.6401,"end":2870.96,"sentiment":"neutral","sentiment_score":-0.00892212986946106}],"sentiment":"neutral","sentiment_score":-0.00892212986946106,"channel":0,"num_words":1,"start":2870.6401,"end":2870.96},{"sentences":[{"text":"does","start":2870.74,"end":2870.98,"sentiment":"neutral","sentiment_score":-0.011884858831763268}],"sentiment":"neutral","sentiment_score":-0.011884858831763268,"channel":1,"num_words":1,"start":2870.74,"end":2870.98},{"sentences":[{"text":"bit","start":2870.96,"end":2871.0,"sentiment":"neutral","sentiment_score":-0.0004881154745817184}],"sentiment":"neutral","sentiment_score":-0.0004881154745817184,"channel":0,"num_words":1,"start":2870.96,"end":2871.0},{"sentences":[{"text":"it","start":2870.98,"end":2871.1401,"sentiment":"neutral","sentiment_score":-0.0031032785773277283}],"sentiment":"neutral","sentiment_score":-0.0031032785773277283,"channel":1,"num_words":1,"start":2870.98,"end":2871.1401},{"sentences":[{"text":"of that","start":2871.0,"end":2871.28,"sentiment":"neutral","sentiment_score":-0.011481862515211105}],"sentiment":"neutral","sentiment_score":-0.011481862515211105,"channel":0,"num_words":2,"start":2871.0,"end":2871.28},{"sentences":[{"text":"get","start":2871.1401,"end":2871.3,"sentiment":"neutral","sentiment_score":-0.013446684926748276}],"sentiment":"neutral","sentiment_score":-0.013446684926748276,"channel":1,"num_words":1,"start":2871.1401,"end":2871.3},{"sentences":[{"text":"age","start":2871.28,"end":2871.44,"sentiment":"neutral","sentiment_score":-0.007204363122582436}],"sentiment":"neutral","sentiment_score":-0.007204363122582436,"channel":0,"num_words":1,"start":2871.28,"end":2871.44},{"sentences":[{"text":"on, though?","start":2871.3,"end":2871.7,"sentiment":"neutral","sentiment_score":-0.009684758726507425},{"text":"I thought I would not be eligible while Peter","start":2871.7,"end":2873.745,"sentiment":"neutral","sentiment_score":-0.1541030862265163}],"sentiment":"neutral","sentiment_score":-0.12784520849924197,"channel":1,"num_words":11,"start":2871.3,"end":2873.745},{"sentences":[{"text":"no.","start":2875.9202,"end":2876.24,"sentiment":"neutral","sentiment_score":-0.12306973338127136},{"text":"It depends","start":2876.24,"end":2876.8801,"sentiment":"neutral","sentiment_score":-0.10885422676801682}],"sentiment":"neutral","sentiment_score":-0.113592728972435,"channel":0,"num_words":3,"start":2875.9202,"end":2876.8801},{"sentences":[{"text":"was still","start":2876.5452,"end":2877.185,"sentiment":"neutral","sentiment_score":-0.1291382610797882}],"sentiment":"neutral","sentiment_score":-0.1291382610797882,"channel":1,"num_words":2,"start":2876.5452,"end":2877.185},{"sentences":[{"text":"on what","start":2876.8801,"end":2877.2,"sentiment":"neutral","sentiment_score":-0.10160119086503983}],"sentiment":"neutral","sentiment_score":-0.10160119086503983,"channel":0,"num_words":2,"start":2876.8801,"end":2877.2},{"sentences":[{"text":"working.","start":2877.185,"end":2877.5051,"sentiment":"neutral","sentiment_score":-0.1201806664466858}],"sentiment":"neutral","sentiment_score":-0.1201806664466858,"channel":1,"num_words":1,"start":2877.185,"end":2877.5051},{"sentences":[{"text":"he is","start":2877.2,"end":2877.6,"sentiment":"neutral","sentiment_score":-0.1084485650062561}],"sentiment":"neutral","sentiment_score":-0.1084485650062561,"channel":0,"num_words":2,"start":2877.2,"end":2877.6},{"sentences":[{"text":"Not","start":2877.5051,"end":2877.8252,"sentiment":"neutral","sentiment_score":-0.1478734314441681}],"sentiment":"neutral","sentiment_score":-0.1478734314441681,"channel":1,"num_words":1,"start":2877.5051,"end":2877.8252},{"sentences":[{"text":"earning.","start":2877.6,"end":2878.1,"sentiment":"neutral","sentiment_score":-0.16634884476661682}],"sentiment":"neutral","sentiment_score":-0.16634884476661682,"channel":0,"num_words":1,"start":2877.6,"end":2878.1},{"sentences":[{"text":"at all.","start":2877.8252,"end":2878.465,"sentiment":"neutral","sentiment_score":-0.1514551043510437},{"text":"Yeah.","start":2878.465,"end":2878.965,"sentiment":"neutral","sentiment_score":-0.06973464787006378}],"sentiment":"neutral","sentiment_score":-0.12421495219071706,"channel":1,"num_words":3,"start":2877.8252,"end":2878.965},{"sentences":[{"text":"So if he's earning on the kind of income he is at the moment, there's a very real opportunity you may not be eligible because they","start":2878.6401,"end":2884.7249,"sentiment":"neutral","sentiment_score":-0.062048752004137404}],"sentiment":"neutral","sentiment_score":-0.062048752004137404,"channel":0,"num_words":26,"start":2878.6401,"end":2884.7249},{"sentences":[{"text":"Yep.","start":2884.625,"end":2885.125,"sentiment":"neutral","sentiment_score":-0.014069441705942154}],"sentiment":"neutral","sentiment_score":-0.014069441705942154,"channel":1,"num_words":1,"start":2884.625,"end":2885.125},{"sentences":[{"text":"work.","start":2884.7249,"end":2885.2249,"sentiment":"neutral","sentiment_score":0.0077370330691337585},{"text":"You get the assets test and the income test,","start":2885.285,"end":2887.9448,"sentiment":"neutral","sentiment_score":0.005113752765787972}],"sentiment":"neutral","sentiment_score":0.005376080796122551,"channel":0,"num_words":10,"start":2884.7249,"end":2887.9448},{"sentences":[{"text":"Mhmm.","start":2888.18,"end":2888.68,"sentiment":"neutral","sentiment_score":-0.004423629492521286}],"sentiment":"neutral","sentiment_score":-0.004423629492521286,"channel":1,"num_words":1,"start":2888.18,"end":2888.68},{"sentences":[{"text":"and the one that gives you the lower rate of pay is the one they go with.","start":2888.2449,"end":2891.625,"sentiment":"neutral","sentiment_score":0.0002467502456377535}],"sentiment":"neutral","sentiment_score":0.0002467502456377535,"channel":0,"num_words":17,"start":2888.2449,"end":2891.625},{"sentences":[{"text":"Okay.","start":2892.0999,"end":2892.5999,"sentiment":"neutral","sentiment_score":0.00841404777020216}],"sentiment":"neutral","sentiment_score":0.00841404777020216,"channel":1,"num_words":1,"start":2892.0999,"end":2892.5999},{"sentences":[{"text":"But we","start":2892.405,"end":2893.125,"sentiment":"neutral","sentiment_score":-0.0028513725847005844}],"sentiment":"neutral","sentiment_score":-0.0028513725847005844,"channel":0,"num_words":2,"start":2892.405,"end":2893.125},{"sentences":[{"text":"Of","start":2892.98,"end":2893.2998,"sentiment":"neutral","sentiment_score":-0.00899733230471611}],"sentiment":"neutral","sentiment_score":-0.00899733230471611,"channel":1,"num_words":1,"start":2892.98,"end":2893.2998},{"sentences":[{"text":"can","start":2893.125,"end":2893.625,"sentiment":"neutral","sentiment_score":0.003089047968387604}],"sentiment":"neutral","sentiment_score":0.003089047968387604,"channel":0,"num_words":1,"start":2893.125,"end":2893.625},{"sentences":[{"text":"course.","start":2893.2998,"end":2893.7998,"sentiment":"neutral","sentiment_score":-0.0002671554684638977}],"sentiment":"neutral","sentiment_score":-0.0002671554684638977,"channel":1,"num_words":1,"start":2893.2998,"end":2893.7998},{"sentences":[{"text":"but we can also look at, you know, maneuvering some things.","start":2894.82,"end":2898.2002,"sentiment":"neutral","sentiment_score":-0.005359844981946729},{"text":"I can find ways to I have legitimate legal ways to hide money or","start":2898.5,"end":2904.1802,"sentiment":"neutral","sentiment_score":-0.0039636003119604924}],"sentiment":"neutral","sentiment_score":-0.004577947966754437,"channel":0,"num_words":25,"start":2894.82,"end":2904.1802},{"sentences":[{"text":"Yep.","start":2903.935,"end":2904.435,"sentiment":"neutral","sentiment_score":-0.0015311831375584006}],"sentiment":"neutral","sentiment_score":-0.0015311831375584006,"channel":1,"num_words":1,"start":2903.935,"end":2904.435},{"sentences":[{"text":"to we call it sheltering of funds","start":2904.1802,"end":2906.52,"sentiment":"neutral","sentiment_score":0.002991780638694763}],"sentiment":"neutral","sentiment_score":0.002991780638694763,"channel":0,"num_words":7,"start":2904.1802,"end":2906.52},{"sentences":[{"text":"Yeah.","start":2906.895,"end":2907.2952,"sentiment":"neutral","sentiment_score":0.023163480684161183},{"text":"Yep.","start":2907.2952,"end":2907.7952,"sentiment":"neutral","sentiment_score":0.030773282051086422}],"sentiment":"neutral","sentiment_score":0.026968381367623803,"channel":1,"num_words":2,"start":2906.895,"end":2907.7952},{"sentences":[{"text":"so that it's either not assessable or the accessibility by Centrelink is lowered because of the","start":2907.7551,"end":2913.115,"sentiment":"neutral","sentiment_score":0.012910029850900173}],"sentiment":"neutral","sentiment_score":0.012910029850900173,"channel":0,"num_words":16,"start":2907.7551,"end":2913.115},{"sentences":[{"text":"Mhmm.","start":2913.055,"end":2913.555,"sentiment":"neutral","sentiment_score":0.0025749383494257927}],"sentiment":"neutral","sentiment_score":0.0025749383494257927,"channel":1,"num_words":1,"start":2913.055,"end":2913.555},{"sentences":[{"text":"asset it is.","start":2913.115,"end":2914.175,"sentiment":"neutral","sentiment_score":0.009268267701069513}],"sentiment":"neutral","sentiment_score":0.009268267701069513,"channel":0,"num_words":3,"start":2913.115,"end":2914.175},{"sentences":[{"text":"Yep.","start":2914.415,"end":2914.915,"sentiment":"neutral","sentiment_score":0.05564475804567337}],"sentiment":"neutral","sentiment_score":0.05564475804567337,"channel":1,"num_words":1,"start":2914.415,"end":2914.915},{"sentences":[{"text":"And I can work out both the income and assets test and do the","start":2914.715,"end":2918.475,"sentiment":"neutral","sentiment_score":0.07388639144067254}],"sentiment":"neutral","sentiment_score":0.07388639144067254,"channel":0,"num_words":14,"start":2914.715,"end":2918.475},{"sentences":[{"text":"Yep.","start":2918.47,"end":2918.97,"sentiment":"neutral","sentiment_score":0.057623982429504395}],"sentiment":"neutral","sentiment_score":0.057623982429504395,"channel":1,"num_words":1,"start":2918.47,"end":2918.97},{"sentences":[{"text":"math calculation to work out how it work and what it looks like for you guys.","start":2918.475,"end":2922.45,"sentiment":"neutral","sentiment_score":0.06712283310480416},{"text":"So","start":2922.45,"end":2922.95,"sentiment":"neutral","sentiment_score":0.03287597745656967}],"sentiment":"neutral","sentiment_score":0.06510831218431978,"channel":0,"num_words":17,"start":2918.475,"end":2922.95},{"sentences":[{"text":"Yep.","start":2922.63,"end":2923.13,"sentiment":"neutral","sentiment_score":0.04011408612132072},{"text":"The trick","start":2923.51,"end":2924.15,"sentiment":"neutral","sentiment_score":0.022884227335453033}],"sentiment":"neutral","sentiment_score":0.02862751359740893,"channel":1,"num_words":3,"start":2922.63,"end":2924.15},{"sentences":[{"text":"there's","start":2923.97,"end":2924.29,"sentiment":"neutral","sentiment_score":0.016496755182743073}],"sentiment":"neutral","sentiment_score":0.016496755182743073,"channel":0,"num_words":1,"start":2923.97,"end":2924.29},{"sentences":[{"text":"the","start":2924.15,"end":2924.39,"sentiment":"neutral","sentiment_score":0.011347517371177672}],"sentiment":"neutral","sentiment_score":0.011347517371177672,"channel":1,"num_words":1,"start":2924.15,"end":2924.39},{"sentences":[{"text":"definitely","start":2924.29,"end":2924.77,"sentiment":"neutral","sentiment_score":0.009808197617530824}],"sentiment":"neutral","sentiment_score":0.009808197617530824,"channel":0,"num_words":1,"start":2924.29,"end":2924.77},{"sentences":[{"text":"trick will","start":2924.39,"end":2924.79,"sentiment":"neutral","sentiment_score":0.00937231071293354}],"sentiment":"neutral","sentiment_score":0.00937231071293354,"channel":1,"num_words":2,"start":2924.39,"end":2924.79},{"sentences":[{"text":"some","start":2924.77,"end":2925.01,"sentiment":"neutral","sentiment_score":-0.000524420291185379}],"sentiment":"neutral","sentiment_score":-0.000524420291185379,"channel":0,"num_words":1,"start":2924.77,"end":2925.01},{"sentences":[{"text":"be this","start":2924.79,"end":2925.27,"sentiment":"neutral","sentiment_score":0.006659043952822685}],"sentiment":"neutral","sentiment_score":0.006659043952822685,"channel":1,"num_words":2,"start":2924.79,"end":2925.27},{"sentences":[{"text":"things.","start":2925.01,"end":2925.51,"sentiment":"neutral","sentiment_score":-0.001777593046426773}],"sentiment":"neutral","sentiment_score":-0.001777593046426773,"channel":0,"num_words":1,"start":2925.01,"end":2925.51},{"sentences":[{"text":"not to have any assets other than your house, say, by the time you retire.","start":2925.27,"end":2929.13,"sentiment":"neutral","sentiment_score":-0.01671071822444598},{"text":"Really?","start":2929.5898,"end":2930.0698,"sentiment":"neutral","sentiment_score":-0.005505131557583809}],"sentiment":"neutral","sentiment_score":-0.016010369057767093,"channel":1,"num_words":16,"start":2925.27,"end":2930.0698},{"sentences":[{"text":"Not","start":2929.73,"end":2930.13,"sentiment":"neutral","sentiment_score":-0.019234687089920044}],"sentiment":"neutral","sentiment_score":-0.019234687089920044,"channel":0,"num_words":1,"start":2929.73,"end":2930.13},{"sentences":[{"text":"Essentially?","start":2930.0698,"end":2930.5698,"sentiment":"neutral","sentiment_score":-0.015805423259735107}],"sentiment":"neutral","sentiment_score":-0.015805423259735107,"channel":1,"num_words":1,"start":2930.0698,"end":2930.5698},{"sentences":[{"text":"necessarily not necessarily.","start":2930.13,"end":2931.51,"sentiment":"neutral","sentiment_score":-0.025213089461127918},{"text":"I've got some really cool other things that we can look at to shelter money so that you","start":2931.89,"end":2938.025,"sentiment":"neutral","sentiment_score":0.07302298189865218}],"sentiment":"neutral","sentiment_score":0.0589892574186836,"channel":0,"num_words":21,"start":2930.13,"end":2938.025},{"sentences":[{"text":"Okay.","start":2937.995,"end":2938.495,"sentiment":"neutral","sentiment_score":0.034129925072193146}],"sentiment":"neutral","sentiment_score":0.034129925072193146,"channel":1,"num_words":1,"start":2937.995,"end":2938.495},{"sentences":[{"text":"have access to money when you need it, but the the the Centrelink isn't assessing it the same way as they would your super.","start":2938.025,"end":2944.6848,"sentiment":"neutral","sentiment_score":-0.012184001272544265}],"sentiment":"neutral","sentiment_score":-0.012184001272544265,"channel":0,"num_words":24,"start":2938.025,"end":2944.6848},{"sentences":[{"text":"Okay.","start":2944.955,"end":2945.435,"sentiment":"neutral","sentiment_score":0.13978135585784912},{"text":"Cool.","start":2945.435,"end":2945.935,"sentiment":"neutral","sentiment_score":0.2798815965652466},{"text":"Righto.","start":2945.995,"end":2946.495,"sentiment":"neutral","sentiment_score":0.25944212079048157},{"text":"Good","start":2947.14,"end":2947.64,"sentiment":"positive","sentiment_score":0.4671283066272736}],"sentiment":"neutral","sentiment_score":0.2865583449602127,"channel":1,"num_words":4,"start":2944.955,"end":2947.64},{"sentences":[{"text":"Yeah.","start":2947.305,"end":2947.625,"sentiment":"positive","sentiment_score":0.49844974279403687},{"text":"It is pretty cool.","start":2947.625,"end":2948.585,"sentiment":"positive","sentiment_score":0.6137399524450302}],"sentiment":"positive","sentiment_score":0.5906819105148315,"channel":0,"num_words":5,"start":2947.305,"end":2948.585},{"sentences":[{"text":"to","start":2948.3665,"end":2948.8665,"sentiment":"neutral","sentiment_score":0.2882404625415802}],"sentiment":"neutral","sentiment_score":0.2882404625415802,"channel":1,"num_words":1,"start":2948.3665,"end":2948.8665},{"sentences":[{"text":"It is pretty cool.","start":2948.585,"end":2949.4648,"sentiment":"positive","sentiment_score":0.4540173038840294},{"text":"I","start":2949.4648,"end":2949.785,"sentiment":"neutral","sentiment_score":0.17587590217590332}],"sentiment":"positive","sentiment_score":0.3983890235424042,"channel":0,"num_words":5,"start":2948.585,"end":2949.785},{"sentences":[{"text":"know.","start":2949.5933,"end":2950.0933,"sentiment":"neutral","sentiment_score":0.11198917776346208}],"sentiment":"neutral","sentiment_score":0.11198917776346208,"channel":1,"num_words":1,"start":2949.5933,"end":2950.0933},{"sentences":[{"text":"I love it.","start":2949.785,"end":2950.41,"sentiment":"positive","sentiment_score":0.8109412789344788},{"text":"It's funny","start":2950.49,"end":2950.89,"sentiment":"positive","sentiment_score":0.36601123213768005}],"sentiment":"positive","sentiment_score":0.6329692602157593,"channel":0,"num_words":5,"start":2949.785,"end":2950.89},{"sentences":[{"text":"Yeah.","start":2950.8198,"end":2951.3198,"sentiment":"positive","sentiment_score":0.4030181169509888}],"sentiment":"positive","sentiment_score":0.4030181169509888,"channel":1,"num_words":1,"start":2950.8198,"end":2951.3198},{"sentences":[{"text":"because one of my best friends works for Centrelink, so her job is to give you the least amount of money, and my job's to get you the","start":2950.89,"end":2956.3298,"sentiment":"positive","sentiment_score":0.3859125684414591}],"sentiment":"positive","sentiment_score":0.3859125684414591,"channel":0,"num_words":28,"start":2950.89,"end":2956.3298},{"sentences":[{"text":"Give","start":2956.26,"end":2956.5,"sentiment":"positive","sentiment_score":0.376672089099884}],"sentiment":"positive","sentiment_score":0.376672089099884,"channel":1,"num_words":1,"start":2956.26,"end":2956.5},{"sentences":[{"text":"most.","start":2956.3298,"end":2956.8298,"sentiment":"positive","sentiment_score":0.4013118445873261}],"sentiment":"positive","sentiment_score":0.4013118445873261,"channel":0,"num_words":1,"start":2956.3298,"end":2956.8298},{"sentences":[{"text":"the most.","start":2956.5,"end":2957.24,"sentiment":"neutral","sentiment_score":0.2695624381303787},{"text":"Because that is another thing that I found of Veronica, my sister, the one","start":2958.5,"end":2962.795,"sentiment":"neutral","sentiment_score":0.07412647588976792}],"sentiment":"neutral","sentiment_score":0.09855597116984427,"channel":1,"num_words":16,"start":2956.5,"end":2962.795},{"sentences":[{"text":"Yeah.","start":2962.5698,"end":2963.0698,"sentiment":"neutral","sentiment_score":0.0766831785440445}],"sentiment":"neutral","sentiment_score":0.0766831785440445,"channel":0,"num_words":1,"start":2962.5698,"end":2963.0698},{"sentences":[{"text":"who just sold her business and everything.","start":2962.795,"end":2965.015,"sentiment":"neutral","sentiment_score":0.0770902122770037}],"sentiment":"neutral","sentiment_score":0.0770902122770037,"channel":1,"num_words":7,"start":2962.795,"end":2965.015},{"sentences":[{"text":"Yeah.","start":2964.555,"end":2965.055,"sentiment":"neutral","sentiment_score":0.012966398149728777}],"sentiment":"neutral","sentiment_score":0.012966398149728777,"channel":0,"num_words":1,"start":2964.555,"end":2965.055},{"sentences":[{"text":"I always thought that she had no super.","start":2965.315,"end":2967.4749,"sentiment":"neutral","sentiment_score":-0.10430548340082169},{"text":"She said, no.","start":2967.4749,"end":2968.035,"sentiment":"neutral","sentiment_score":-0.09174568702777226},{"text":"No.","start":2968.035,"end":2968.4348,"sentiment":"neutral","sentiment_score":-0.07597994804382324},{"text":"We do have super.","start":2968.4348,"end":2969.555,"sentiment":"neutral","sentiment_score":0.011282327584922314},{"text":"It's not much, but we do have a super fund.","start":2969.555,"end":2971.9548,"sentiment":"neutral","sentiment_score":0.010283782053738833}],"sentiment":"neutral","sentiment_score":-0.0399112979021783,"channel":1,"num_words":26,"start":2965.315,"end":2971.9548},{"sentences":[{"text":"I said, oh, okay.","start":2971.9548,"end":2972.755,"sentiment":"neutral","sentiment_score":0.062167429365217686},{"text":"Well, that's that is good to know because,","start":2972.755,"end":2974.6948,"sentiment":"neutral","sentiment_score":0.24399608187377453}],"sentiment":"neutral","sentiment_score":0.18338653103758892,"channel":1,"num_words":12,"start":2971.9548,"end":2974.6948},{"sentences":[{"text":"Yeah.","start":2974.7148,"end":2975.2148,"sentiment":"neutral","sentiment_score":0.14426985383033752}],"sentiment":"neutral","sentiment_score":0.14426985383033752,"channel":0,"num_words":1,"start":2974.7148,"end":2975.2148},{"sentences":[{"text":"yeah, it might give you something","start":2975.07,"end":2976.4302,"sentiment":"neutral","sentiment_score":0.14954836666584015}],"sentiment":"neutral","sentiment_score":0.14954836666584015,"channel":1,"num_words":6,"start":2975.07,"end":2976.4302},{"sentences":[{"text":"Absolutely.","start":2976.395,"end":2976.895,"sentiment":"neutral","sentiment_score":0.1510194092988968}],"sentiment":"neutral","sentiment_score":0.1510194092988968,"channel":0,"num_words":1,"start":2976.395,"end":2976.895},{"sentences":[{"text":"more to work with if ever I can convince her to talk to","start":2976.4302,"end":2979.24,"sentiment":"neutral","sentiment_score":0.13404237880156591}],"sentiment":"neutral","sentiment_score":0.13404237880156591,"channel":1,"num_words":13,"start":2976.4302,"end":2979.24},{"sentences":[{"text":"Yeah.","start":2979.05,"end":2979.37,"sentiment":"neutral","sentiment_score":0.07492337375879288}],"sentiment":"neutral","sentiment_score":0.07492337375879288,"channel":0,"num_words":1,"start":2979.05,"end":2979.37},{"sentences":[{"text":"you.","start":2979.24,"end":2979.74,"sentiment":"neutral","sentiment_score":0.06003810092806816}],"sentiment":"neutral","sentiment_score":0.06003810092806816,"channel":1,"num_words":1,"start":2979.24,"end":2979.74},{"sentences":[{"text":"Abs absolutely.","start":2979.37,"end":2980.43,"sentiment":"neutral","sentiment_score":0.07909224182367325},{"text":"As I said, just make mention, there's no obligation, but as much as it's always better to try and do things as early as possible, it's also gotta be within someone's comfort level.","start":2980.81,"end":2988.89,"sentiment":"neutral","sentiment_score":0.10928740058884476},{"text":"So when they're ready, I will be there at any time they are not.","start":2988.89,"end":2992.65,"sentiment":"neutral","sentiment_score":0.04966303559818438},{"text":"Okay?","start":2992.65,"end":2993.15,"sentiment":"neutral","sentiment_score":0.03988899663090706}],"sentiment":"neutral","sentiment_score":0.08999680396169424,"channel":0,"num_words":50,"start":2979.37,"end":2993.15},{"sentences":[{"text":"Yeah.","start":2992.9749,"end":2993.4749,"sentiment":"neutral","sentiment_score":0.040235940366983414},{"text":"Okay then.","start":2993.535,"end":2994.255,"sentiment":"neutral","sentiment_score":0.053124524652957916}],"sentiment":"neutral","sentiment_score":0.048828329890966415,"channel":1,"num_words":3,"start":2992.9749,"end":2994.255},{"sentences":[{"text":"Yeah.","start":2994.225,"end":2994.725,"sentiment":"neutral","sentiment_score":0.10138171166181564}],"sentiment":"neutral","sentiment_score":0.10138171166181564,"channel":0,"num_words":1,"start":2994.225,"end":2994.725},{"sentences":[{"text":"Yes.","start":2994.255,"end":2994.755,"sentiment":"neutral","sentiment_score":0.20662027597427368}],"sentiment":"neutral","sentiment_score":0.20662027597427368,"channel":1,"num_words":1,"start":2994.255,"end":2994.755},{"sentences":[{"text":"All good.","start":2995.5852,"end":2996.3252,"sentiment":"positive","sentiment_score":0.386491984128952},{"text":"That's","start":2996.625,"end":2996.945,"sentiment":"neutral","sentiment_score":0.19367848336696625}],"sentiment":"neutral","sentiment_score":0.3222208172082901,"channel":0,"num_words":3,"start":2995.5852,"end":2996.945},{"sentences":[{"text":"Alright.","start":2996.6548,"end":2997.1548,"sentiment":"neutral","sentiment_score":0.14630916714668274}],"sentiment":"neutral","sentiment_score":0.14630916714668274,"channel":1,"num_words":1,"start":2996.6548,"end":2997.1548},{"sentences":[{"text":"essentially what I needed to go through with you guys.","start":2996.945,"end":2999.8252,"sentiment":"neutral","sentiment_score":0.035397874936461446},{"text":"I do have a little section at the bottom there just recommending that you still review your existing will.","start":2999.8252,"end":3005.6052,"sentiment":"neutral","sentiment_score":0.04851348031508295},{"text":"Retaining the insurances that you have at the moment, your your Peter's life and CBD and your life cover with real, just because you're still comfortable with the level of cover, but we'll keep reviewing those down the track as well.","start":3006.145,"end":3017.97,"sentiment":"neutral","sentiment_score":0.07270475086279032}],"sentiment":"neutral","sentiment_score":0.060808995153222765,"channel":0,"num_words":70,"start":2996.945,"end":3017.97},{"sentences":[{"text":"We had just had a small chat recently about life insurance.","start":3017.52,"end":3024.155,"sentiment":"neutral","sentiment_score":-0.09234869175336578},{"text":"We were starting to wonder whether we should stop it.","start":3024.215,"end":3026.775,"sentiment":"neutral","sentiment_score":-0.18500114157795905},{"text":"What's your views on that?","start":3026.775,"end":3028.2349,"sentiment":"neutral","sentiment_score":-0.0366809107363224}],"sentiment":"neutral","sentiment_score":-0.11727890687493178,"channel":1,"num_words":26,"start":3017.52,"end":3028.2349},{"sentences":[{"text":"Yeah.","start":3029.295,"end":3029.695,"sentiment":"neutral","sentiment_score":-0.014042193070054054},{"text":"The biggest thing I sort of think of is life insurance is important in my view when you have a mortgage","start":3029.695,"end":3036.435,"sentiment":"neutral","sentiment_score":-0.01797934373219808}],"sentiment":"neutral","sentiment_score":-0.01780038233846426,"channel":0,"num_words":22,"start":3029.295,"end":3036.435},{"sentences":[{"text":"Yep.","start":3037.1,"end":3037.4202,"sentiment":"neutral","sentiment_score":-0.047765590250492096}],"sentiment":"neutral","sentiment_score":-0.047765590250492096,"channel":1,"num_words":1,"start":3037.1,"end":3037.4202},{"sentences":[{"text":"and","start":3037.31,"end":3037.55,"sentiment":"neutral","sentiment_score":-0.05357065051794052}],"sentiment":"neutral","sentiment_score":-0.05357065051794052,"channel":0,"num_words":1,"start":3037.31,"end":3037.55},{"sentences":[{"text":"Still","start":3037.4202,"end":3037.6602,"sentiment":"neutral","sentiment_score":-0.07394342869520187}],"sentiment":"neutral","sentiment_score":-0.07394342869520187,"channel":1,"num_words":1,"start":3037.4202,"end":3037.6602},{"sentences":[{"text":"or","start":3037.55,"end":3037.79,"sentiment":"neutral","sentiment_score":-0.08441518247127533}],"sentiment":"neutral","sentiment_score":-0.08441518247127533,"channel":0,"num_words":1,"start":3037.55,"end":3037.79},{"sentences":[{"text":"got","start":3037.6602,"end":3037.9001,"sentiment":"neutral","sentiment_score":-0.0945594757795334}],"sentiment":"neutral","sentiment_score":-0.0945594757795334,"channel":1,"num_words":1,"start":3037.6602,"end":3037.9001},{"sentences":[{"text":"some","start":3037.79,"end":3038.03,"sentiment":"neutral","sentiment_score":-0.11236877739429474}],"sentiment":"neutral","sentiment_score":-0.11236877739429474,"channel":0,"num_words":1,"start":3037.79,"end":3038.03},{"sentences":[{"text":"that.","start":3037.9001,"end":3038.4001,"sentiment":"neutral","sentiment_score":-0.07344688475131989}],"sentiment":"neutral","sentiment_score":-0.07344688475131989,"channel":1,"num_words":1,"start":3037.9001,"end":3038.4001},{"sentences":[{"text":"sort of debt that needs to be paid out.","start":3038.03,"end":3040.03,"sentiment":"neutral","sentiment_score":-0.12128485159741507},{"text":"The other thing","start":3040.03,"end":3040.75,"sentiment":"neutral","sentiment_score":-0.026538672546545666}],"sentiment":"neutral","sentiment_score":-0.09759830683469772,"channel":0,"num_words":12,"start":3038.03,"end":3040.75},{"sentences":[{"text":"Yep.","start":3040.54,"end":3041.04,"sentiment":"neutral","sentiment_score":-0.032825518399477005}],"sentiment":"neutral","sentiment_score":-0.032825518399477005,"channel":1,"num_words":1,"start":3040.54,"end":3041.04},{"sentences":[{"text":"the other reason I kind of kept your super where it was was one of the other goals down the track was that you were wanting to maybe sell the property.","start":3040.91,"end":3047.65,"sentiment":"neutral","sentiment_score":-0.038792684674263},{"text":"So is that still something you're looking to do medium term, maybe sell the house and buy something","start":3049.275,"end":3054.4749,"sentiment":"neutral","sentiment_score":-0.04456214192840788}],"sentiment":"neutral","sentiment_score":-0.040912077134969284,"channel":0,"num_words":49,"start":3040.91,"end":3054.4749},{"sentences":[{"text":"Later","start":3054.345,"end":3054.825,"sentiment":"neutral","sentiment_score":-0.0105808824300766}],"sentiment":"neutral","sentiment_score":-0.0105808824300766,"channel":1,"num_words":1,"start":3054.345,"end":3054.825},{"sentences":[{"text":"smaller","start":3054.4749,"end":3054.9749,"sentiment":"neutral","sentiment_score":-0.006857030093669891}],"sentiment":"neutral","sentiment_score":-0.006857030093669891,"channel":0,"num_words":1,"start":3054.4749,"end":3054.9749},{"sentences":[{"text":"on.","start":3054.825,"end":3055.325,"sentiment":"neutral","sentiment_score":-0.014557043090462685}],"sentiment":"neutral","sentiment_score":-0.014557043090462685,"channel":1,"num_words":1,"start":3054.825,"end":3055.325},{"sentences":[{"text":"or","start":3055.035,"end":3055.535,"sentiment":"neutral","sentiment_score":-0.028446625918149948}],"sentiment":"neutral","sentiment_score":-0.028446625918149948,"channel":0,"num_words":1,"start":3055.035,"end":3055.535},{"sentences":[{"text":"It","start":3056.025,"end":3056.265,"sentiment":"neutral","sentiment_score":-0.027200784534215927}],"sentiment":"neutral","sentiment_score":-0.027200784534215927,"channel":1,"num_words":1,"start":3056.025,"end":3056.265},{"sentences":[{"text":"yeah.","start":3056.155,"end":3056.655,"sentiment":"neutral","sentiment_score":-0.016126204282045364}],"sentiment":"neutral","sentiment_score":-0.016126204282045364,"channel":0,"num_words":1,"start":3056.155,"end":3056.655},{"sentences":[{"text":"would have to yeah.","start":3056.265,"end":3057.6448,"sentiment":"neutral","sentiment_score":-0.02054502023383975},{"text":"I don't ever wanna leave here because we're the area that I live is just beautiful, and we have a lot of","start":3057.9448,"end":3062.73,"sentiment":"neutral","sentiment_score":0.2684309557080269}],"sentiment":"neutral","sentiment_score":0.223973113255432,"channel":1,"num_words":26,"start":3056.265,"end":3062.73},{"sentences":[{"text":"Yeah.","start":3062.54,"end":3063.04,"sentiment":"neutral","sentiment_score":0.028597209602594376}],"sentiment":"neutral","sentiment_score":0.028597209602594376,"channel":0,"num_words":1,"start":3062.54,"end":3063.04},{"sentences":[{"text":"we don't have close neighbors because of two and a half acres.","start":3062.81,"end":3065.93,"sentiment":"neutral","sentiment_score":-0.1663250457495451},{"text":"But it's a six bedroom, three bathroom house, and I can't look after it","start":3065.93,"end":3069.85,"sentiment":"neutral","sentiment_score":-0.260087214410305}],"sentiment":"neutral","sentiment_score":-0.21681236733610815,"channel":1,"num_words":26,"start":3062.81,"end":3069.85},{"sentences":[{"text":"Yeah.","start":3069.82,"end":3070.32,"sentiment":"neutral","sentiment_score":-0.1103905737400055}],"sentiment":"neutral","sentiment_score":-0.1103905737400055,"channel":0,"num_words":1,"start":3069.82,"end":3070.32},{"sentences":[{"text":"now.","start":3069.85,"end":3070.17,"sentiment":"neutral","sentiment_score":-0.05984519422054291},{"text":"So by the time","start":3070.17,"end":3070.97,"sentiment":"neutral","sentiment_score":-0.05486841779202223}],"sentiment":"neutral","sentiment_score":-0.055863773077726366,"channel":1,"num_words":5,"start":3069.85,"end":3070.97},{"sentences":[{"text":"It's","start":3070.78,"end":3071.18,"sentiment":"neutral","sentiment_score":-0.08267372846603394}],"sentiment":"neutral","sentiment_score":-0.08267372846603394,"channel":0,"num_words":1,"start":3070.78,"end":3071.18},{"sentences":[{"text":"because","start":3071.05,"end":3071.3699,"sentiment":"neutral","sentiment_score":-0.09653286635875702}],"sentiment":"neutral","sentiment_score":-0.09653286635875702,"channel":1,"num_words":1,"start":3071.05,"end":3071.3699},{"sentences":[{"text":"a lot.","start":3071.18,"end":3071.76,"sentiment":"neutral","sentiment_score":-0.089393001049757}],"sentiment":"neutral","sentiment_score":-0.089393001049757,"channel":0,"num_words":2,"start":3071.18,"end":3071.76},{"sentences":[{"text":"I've just moved Veronica and George and they are in their seventies, Veronica's ten years older than me, I said to her, god.","start":3071.3699,"end":3078.135,"sentiment":"neutral","sentiment_score":-0.13783613398023273},{"text":"I don't wanna be doing this in ten years.","start":3078.135,"end":3080.2349,"sentiment":"negative","sentiment_score":-0.409309897157881},{"text":"But it's a terrible thought that you have to leave the house that you really love just because it's big.","start":3080.6948,"end":3085.355,"sentiment":"negative","sentiment_score":-0.58685068115592},{"text":"You","start":3085.9749,"end":3086.055,"sentiment":"neutral","sentiment_score":-0.1843755692243576}],"sentiment":"negative","sentiment_score":-0.3542530065718687,"channel":1,"num_words":53,"start":3071.3699,"end":3086.055},{"sentences":[{"text":"Yeah.","start":3086.015,"end":3086.515,"sentiment":"neutral","sentiment_score":-0.14260613918304443}],"sentiment":"neutral","sentiment_score":-0.14260613918304443,"channel":0,"num_words":1,"start":3086.015,"end":3086.515},{"sentences":[{"text":"know?","start":3086.055,"end":3086.4548,"sentiment":"neutral","sentiment_score":-0.13474011421203613},{"text":"Yep.","start":3086.4548,"end":3086.775,"sentiment":"neutral","sentiment_score":-0.134808748960495},{"text":"So I don't","start":3086.775,"end":3087.1748,"sentiment":"neutral","sentiment_score":-0.2573716839154561}],"sentiment":"neutral","sentiment_score":-0.2083327829837799,"channel":1,"num_words":5,"start":3086.055,"end":3087.1748},{"sentences":[{"text":"Yeah.","start":3087.055,"end":3087.555,"sentiment":"neutral","sentiment_score":-0.1683213710784912}],"sentiment":"neutral","sentiment_score":-0.1683213710784912,"channel":0,"num_words":1,"start":3087.055,"end":3087.555},{"sentences":[{"text":"know whether we just close off rooms and don't venture into it.","start":3087.1748,"end":3090.48,"sentiment":"neutral","sentiment_score":-0.269941841562589}],"sentiment":"neutral","sentiment_score":-0.269941841562589,"channel":1,"num_words":12,"start":3087.1748,"end":3090.48},{"sentences":[{"text":"Yeah.","start":3091.81,"end":3092.31,"sentiment":"neutral","sentiment_score":-0.08788393437862396}],"sentiment":"neutral","sentiment_score":-0.08788393437862396,"channel":0,"num_words":1,"start":3091.81,"end":3092.31},{"sentences":[{"text":"And and Karl, that's what we gotta do.","start":3092.48,"end":3094.4,"sentiment":"neutral","sentiment_score":-0.11719728913158178},{"text":"Karl Karl Karl Karl.","start":3094.4,"end":3095.78,"sentiment":"neutral","sentiment_score":-0.05468958243727684},{"text":"Because when you see people when I was packing for Veronica, I just, you know, I just thought, oh, I don't wanna be doing this.","start":3096.24,"end":3102.8,"sentiment":"neutral","sentiment_score":-0.2978384518623352},{"text":"Like, packing drawers and drawers of shit.","start":3102.8,"end":3104.98,"sentiment":"negative","sentiment_score":-0.41207321201051983}],"sentiment":"neutral","sentiment_score":-0.26106387325985864,"channel":1,"num_words":44,"start":3092.48,"end":3104.98},{"sentences":[{"text":"Yeah.","start":3106.0652,"end":3106.225,"sentiment":"neutral","sentiment_score":-0.1660542190074921},{"text":"Yeah.","start":3106.225,"end":3106.725,"sentiment":"neutral","sentiment_score":-0.14776480197906494}],"sentiment":"neutral","sentiment_score":-0.1569095104932785,"channel":0,"num_words":2,"start":3106.0652,"end":3106.725},{"sentences":[{"text":"Because","start":3106.5552,"end":3107.0352,"sentiment":"neutral","sentiment_score":-0.18244881927967072}],"sentiment":"neutral","sentiment_score":-0.18244881927967072,"channel":1,"num_words":1,"start":3106.5552,"end":3107.0352},{"sentences":[{"text":"The the","start":3106.7852,"end":3107.185,"sentiment":"neutral","sentiment_score":-0.2584013342857361}],"sentiment":"neutral","sentiment_score":-0.2584013342857361,"channel":0,"num_words":2,"start":3106.7852,"end":3107.185},{"sentences":[{"text":"you","start":3107.0352,"end":3107.195,"sentiment":"neutral","sentiment_score":-0.2512250244617462}],"sentiment":"neutral","sentiment_score":-0.2512250244617462,"channel":1,"num_words":1,"start":3107.0352,"end":3107.195},{"sentences":[{"text":"things","start":3107.185,"end":3107.5051,"sentiment":"neutral","sentiment_score":-0.3290799558162689}],"sentiment":"neutral","sentiment_score":-0.3290799558162689,"channel":0,"num_words":1,"start":3107.185,"end":3107.5051},{"sentences":[{"text":"really","start":3107.195,"end":3107.5151,"sentiment":"neutral","sentiment_score":-0.2893569767475128}],"sentiment":"neutral","sentiment_score":-0.2893569767475128,"channel":1,"num_words":1,"start":3107.195,"end":3107.5151},{"sentences":[{"text":"do","start":3107.5051,"end":3107.745,"sentiment":"neutral","sentiment_score":-0.2738112509250641}],"sentiment":"neutral","sentiment_score":-0.2738112509250641,"channel":0,"num_words":1,"start":3107.5051,"end":3107.745},{"sentences":[{"text":"don't","start":3107.5151,"end":3108.0151,"sentiment":"neutral","sentiment_score":-0.3054187297821045}],"sentiment":"neutral","sentiment_score":-0.3054187297821045,"channel":1,"num_words":1,"start":3107.5151,"end":3108.0151},{"sentences":[{"text":"accumulate.","start":3107.745,"end":3108.245,"sentiment":"neutral","sentiment_score":-0.3292100727558136}],"sentiment":"neutral","sentiment_score":-0.3292100727558136,"channel":0,"num_words":1,"start":3107.745,"end":3108.245},{"sentences":[{"text":"you really you really don't need it, And I was just thinking,","start":3108.235,"end":3111.135,"sentiment":"neutral","sentiment_score":-0.27918666539092857}],"sentiment":"neutral","sentiment_score":-0.27918666539092857,"channel":1,"num_words":12,"start":3108.235,"end":3111.135},{"sentences":[{"text":"Yeah.","start":3110.865,"end":3111.365,"sentiment":"neutral","sentiment_score":-0.11024539172649384}],"sentiment":"neutral","sentiment_score":-0.11024539172649384,"channel":0,"num_words":1,"start":3110.865,"end":3111.365},{"sentences":[{"text":"oh, I I just need to start calling now so that all my cupboards in the house and, you know, the the things you have your TV standing on and all the drawers and cupboards and everything have nothing","start":3111.195,"end":3121.54,"sentiment":"neutral","sentiment_score":-0.11206812860491948}],"sentiment":"neutral","sentiment_score":-0.11206812860491948,"channel":1,"num_words":39,"start":3111.195,"end":3121.54},{"sentences":[{"text":"Yep.","start":3122.47,"end":3122.97,"sentiment":"neutral","sentiment_score":-0.08004804700613022},{"text":"Yep.","start":3123.11,"end":3123.61,"sentiment":"neutral","sentiment_score":-0.05441158637404442}],"sentiment":"neutral","sentiment_score":-0.06722981669008732,"channel":0,"num_words":2,"start":3122.47,"end":3123.61},{"sentences":[{"text":"in it","start":3123.44,"end":3123.92,"sentiment":"neutral","sentiment_score":-0.06467792950570583}],"sentiment":"neutral","sentiment_score":-0.06467792950570583,"channel":1,"num_words":2,"start":3123.44,"end":3123.92},{"sentences":[{"text":"Yep.","start":3123.83,"end":3124.33,"sentiment":"neutral","sentiment_score":-0.03695888817310333}],"sentiment":"neutral","sentiment_score":-0.03695888817310333,"channel":0,"num_words":1,"start":3123.83,"end":3124.33},{"sentences":[{"text":"instead of all the shit that you accumulate and you don't ever look at and you don't","start":3123.92,"end":3127.6199,"sentiment":"neutral","sentiment_score":-0.25635116240557504}],"sentiment":"neutral","sentiment_score":-0.25635116240557504,"channel":1,"num_words":17,"start":3123.92,"end":3127.6199},{"sentences":[{"text":"Yeah.","start":3127.75,"end":3128.25,"sentiment":"neutral","sentiment_score":-0.10957539826631546}],"sentiment":"neutral","sentiment_score":-0.10957539826631546,"channel":0,"num_words":1,"start":3127.75,"end":3128.25},{"sentences":[{"text":"want or need or anything like that.","start":3127.84,"end":3129.5999,"sentiment":"neutral","sentiment_score":-0.21069541573524475},{"text":"But","start":3129.5999,"end":3130.0999,"sentiment":"neutral","sentiment_score":-0.03574683144688606}],"sentiment":"neutral","sentiment_score":-0.18882684269919991,"channel":1,"num_words":8,"start":3127.84,"end":3130.0999},{"sentences":[{"text":"Yeah.","start":3130.31,"end":3130.81,"sentiment":"neutral","sentiment_score":-0.04294217750430107}],"sentiment":"neutral","sentiment_score":-0.04294217750430107,"channel":0,"num_words":1,"start":3130.31,"end":3130.81},{"sentences":[{"text":"I guess the reason why we were able to refinance was is because they did ask us the question.","start":3131.3599,"end":3136.7249,"sentiment":"neutral","sentiment_score":-0.017624931213887113},{"text":"Well, my finance broker who I went through to get a loan, he","start":3136.7249,"end":3142.2449,"sentiment":"neutral","sentiment_score":-0.01490318553092388}],"sentiment":"neutral","sentiment_score":-0.0165192220301833,"channel":1,"num_words":32,"start":3131.3599,"end":3142.2449},{"sentences":[{"text":"Yeah.","start":3141.785,"end":3142.285,"sentiment":"neutral","sentiment_score":0.006220543757081032}],"sentiment":"neutral","sentiment_score":0.006220543757081032,"channel":0,"num_words":1,"start":3141.785,"end":3142.285},{"sentences":[{"text":"he said I've put it to them that Peter's gonna work another ten years.","start":3142.2449,"end":3146.505,"sentiment":"neutral","sentiment_score":-0.028649146668612957},{"text":"And, you know, when you're refinancing a loan at the age of 60 for","start":3146.88,"end":3151.76,"sentiment":"neutral","sentiment_score":-0.029175777919590473}],"sentiment":"neutral","sentiment_score":-0.028912462294101715,"channel":1,"num_words":28,"start":3142.2449,"end":3151.76},{"sentences":[{"text":"Mhmm.","start":3151.61,"end":3152.11,"sentiment":"neutral","sentiment_score":-0.01491810567677021}],"sentiment":"neutral","sentiment_score":-0.01491810567677021,"channel":0,"num_words":1,"start":3151.61,"end":3152.11},{"sentences":[{"text":"a thirty year loan, they have","start":3151.76,"end":3153.68,"sentiment":"neutral","sentiment_score":-0.01664598099887371}],"sentiment":"neutral","sentiment_score":-0.01664598099887371,"channel":1,"num_words":6,"start":3151.76,"end":3153.68},{"sentences":[{"text":"Yep.","start":3153.61,"end":3154.11,"sentiment":"neutral","sentiment_score":-0.028538046404719353}],"sentiment":"neutral","sentiment_score":-0.028538046404719353,"channel":0,"num_words":1,"start":3153.61,"end":3154.11},{"sentences":[{"text":"to know you're not gonna work.","start":3153.68,"end":3155.46,"sentiment":"negative","sentiment_score":-0.4288758436838786},{"text":"So the","start":3155.5999,"end":3156.0,"sentiment":"neutral","sentiment_score":-0.026733681559562683}],"sentiment":"neutral","sentiment_score":-0.3283403031527996,"channel":1,"num_words":8,"start":3153.68,"end":3156.0},{"sentences":[{"text":"Yes.","start":3155.93,"end":3156.43,"sentiment":"neutral","sentiment_score":0.0906740576028824}],"sentiment":"neutral","sentiment_score":0.0906740576028824,"channel":0,"num_words":1,"start":3155.93,"end":3156.43},{"sentences":[{"text":"so so Troy sort of said, you know, it's it's what I'm putting towards them is that when you retire, you will sell, and you will","start":3156.24,"end":3164.635,"sentiment":"neutral","sentiment_score":0.18523953253260025}],"sentiment":"neutral","sentiment_score":0.18523953253260025,"channel":1,"num_words":26,"start":3156.24,"end":3164.635},{"sentences":[{"text":"Yes.","start":3164.485,"end":3164.985,"sentiment":"neutral","sentiment_score":0.21050669252872467}],"sentiment":"neutral","sentiment_score":0.21050669252872467,"channel":0,"num_words":1,"start":3164.485,"end":3164.985},{"sentences":[{"text":"pay off the loan, and you'll purchase something smaller.","start":3164.635,"end":3166.955,"sentiment":"neutral","sentiment_score":0.1448520165350702},{"text":"And I said, and that is probably what exactly what's gonna happen, Troy.","start":3166.955,"end":3170.075,"sentiment":"neutral","sentiment_score":0.14951034692617562},{"text":"That is","start":3170.075,"end":3170.475,"sentiment":"neutral","sentiment_score":0.2104523405432701}],"sentiment":"neutral","sentiment_score":0.1528419724976023,"channel":1,"num_words":24,"start":3164.635,"end":3170.475},{"sentences":[{"text":"Yeah.","start":3170.405,"end":3170.905,"sentiment":"neutral","sentiment_score":0.24231581389904025}],"sentiment":"neutral","sentiment_score":0.24231581389904025,"channel":0,"num_words":1,"start":3170.405,"end":3170.905},{"sentences":[{"text":"probably right.","start":3170.475,"end":3171.2751,"sentiment":"neutral","sentiment_score":0.26766154170036316},{"text":"You know?","start":3171.2751,"end":3171.675,"sentiment":"neutral","sentiment_score":0.14983117580413818},{"text":"So that that is what the future looks like that if we don't get the house paid off before we retire, then that, of course, is exactly what we would have to do.","start":3171.675,"end":3180.34,"sentiment":"neutral","sentiment_score":0.1393905102529309}],"sentiment":"neutral","sentiment_score":0.14688843982042493,"channel":1,"num_words":37,"start":3170.475,"end":3180.34},{"sentences":[{"text":"Yeah.","start":3180.86,"end":3181.18,"sentiment":"neutral","sentiment_score":0.2559925317764282},{"text":"Definitely.","start":3181.18,"end":3181.68,"sentiment":"neutral","sentiment_score":0.32273563742637634},{"text":"Yep.","start":3182.06,"end":3182.3801,"sentiment":"neutral","sentiment_score":0.30540400743484497},{"text":"Well,","start":3182.3801,"end":3182.62,"sentiment":"neutral","sentiment_score":0.28350764513015747}],"sentiment":"neutral","sentiment_score":0.29190995544195175,"channel":0,"num_words":4,"start":3180.86,"end":3182.62},{"sentences":[{"text":"Yeah.","start":3182.56,"end":3183.06,"sentiment":"neutral","sentiment_score":0.3081856966018677}],"sentiment":"neutral","sentiment_score":0.3081856966018677,"channel":1,"num_words":1,"start":3182.56,"end":3183.06},{"sentences":[{"text":"when you get to that point, yeah, if you still have the money and see, but we'll look at what we can do.","start":3182.62,"end":3187.12,"sentiment":"neutral","sentiment_score":0.24315542241801386},{"text":"I mean, another","start":3187.205,"end":3187.765,"sentiment":"neutral","sentiment_score":0.17962941527366638}],"sentiment":"neutral","sentiment_score":0.235825498516743,"channel":0,"num_words":26,"start":3182.62,"end":3187.765},{"sentences":[{"text":"Yeah.","start":3187.6,"end":3188.1,"sentiment":"neutral","sentiment_score":0.329913854598999}],"sentiment":"neutral","sentiment_score":0.329913854598999,"channel":1,"num_words":1,"start":3187.6,"end":3188.1},{"sentences":[{"text":"way of sheltering that money from Centrelink is to be able to put it on the home because the home is a 100% exempt.","start":3187.765,"end":3193.605,"sentiment":"positive","sentiment_score":0.43410783509413403},{"text":"So paying down the mortgage and putting the money on the home does sort of benefit you guys.","start":3193.605,"end":3197.545,"sentiment":"positive","sentiment_score":0.5858179893758562}],"sentiment":"positive","sentiment_score":0.4991264726434435,"channel":0,"num_words":42,"start":3187.765,"end":3197.545},{"sentences":[{"text":"Yeah.","start":3197.155,"end":3197.635,"sentiment":"neutral","sentiment_score":0.3153318762779236},{"text":"Yep.","start":3197.635,"end":3198.135,"sentiment":"neutral","sentiment_score":0.2634781002998352}],"sentiment":"neutral","sentiment_score":0.2894049882888794,"channel":1,"num_words":2,"start":3197.155,"end":3198.135},{"sentences":[{"text":"But, yeah, you are right.","start":3198.005,"end":3199.045,"sentiment":"neutral","sentiment_score":0.17265439331531524},{"text":"When you get to those to ages with the mortgages and the lending side of things, they are looking for an exit strategy.","start":3199.045,"end":3204.9001,"sentiment":"neutral","sentiment_score":0.023240283617506855},{"text":"They're looking at, you know,","start":3204.9001,"end":3205.86,"sentiment":"neutral","sentiment_score":-0.011058049136772751}],"sentiment":"neutral","sentiment_score":0.04068206800289,"channel":0,"num_words":33,"start":3198.005,"end":3205.86},{"sentences":[{"text":"They","start":3205.59,"end":3205.99,"sentiment":"neutral","sentiment_score":-0.0260886512696743}],"sentiment":"neutral","sentiment_score":-0.0260886512696743,"channel":1,"num_words":1,"start":3205.59,"end":3205.99},{"sentences":[{"text":"if","start":3205.86,"end":3206.1,"sentiment":"neutral","sentiment_score":-0.040066421031951904}],"sentiment":"neutral","sentiment_score":-0.040066421031951904,"channel":0,"num_words":1,"start":3205.86,"end":3206.1},{"sentences":[{"text":"are.","start":3205.99,"end":3206.3901,"sentiment":"neutral","sentiment_score":-0.03310838341712952}],"sentiment":"neutral","sentiment_score":-0.03310838341712952,"channel":1,"num_words":1,"start":3205.99,"end":3206.3901},{"sentences":[{"text":"something","start":3206.1,"end":3206.5,"sentiment":"neutral","sentiment_score":-0.04063037037849426}],"sentiment":"neutral","sentiment_score":-0.04063037037849426,"channel":0,"num_words":1,"start":3206.1,"end":3206.5},{"sentences":[{"text":"Yep.","start":3206.3901,"end":3206.8901,"sentiment":"neutral","sentiment_score":-0.000772045343182981}],"sentiment":"neutral","sentiment_score":-0.000772045343182981,"channel":1,"num_words":1,"start":3206.3901,"end":3206.8901},{"sentences":[{"text":"happened, how are you gonna pay that back if you're not gonna","start":3206.5,"end":3209.3,"sentiment":"neutral","sentiment_score":-0.05680934526026249}],"sentiment":"neutral","sentiment_score":-0.05680934526026249,"channel":0,"num_words":12,"start":3206.5,"end":3209.3},{"sentences":[{"text":"Yep.","start":3209.27,"end":3209.77,"sentiment":"neutral","sentiment_score":-0.0608116090297699}],"sentiment":"neutral","sentiment_score":-0.0608116090297699,"channel":1,"num_words":1,"start":3209.27,"end":3209.77},{"sentences":[{"text":"work until you're 90?","start":3209.3,"end":3210.6,"sentiment":"neutral","sentiment_score":-0.058243256993591785}],"sentiment":"neutral","sentiment_score":-0.058243256993591785,"channel":0,"num_words":4,"start":3209.3,"end":3210.6},{"sentences":[{"text":"And and that","start":3210.1501,"end":3210.87,"sentiment":"neutral","sentiment_score":-0.011564139276742935}],"sentiment":"neutral","sentiment_score":-0.011564139276742935,"channel":1,"num_words":3,"start":3210.1501,"end":3210.87},{"sentences":[{"text":"So","start":3210.6602,"end":3210.82,"sentiment":"neutral","sentiment_score":-0.03777601197361946}],"sentiment":"neutral","sentiment_score":-0.03777601197361946,"channel":0,"num_words":1,"start":3210.6602,"end":3210.82},{"sentences":[{"text":"must that must","start":3210.87,"end":3211.6702,"sentiment":"neutral","sentiment_score":-0.06897875169912975}],"sentiment":"neutral","sentiment_score":-0.06897875169912975,"channel":1,"num_words":3,"start":3210.87,"end":3211.6702},{"sentences":[{"text":"yeah.","start":3211.46,"end":3211.96,"sentiment":"neutral","sentiment_score":-0.04446052014827728}],"sentiment":"neutral","sentiment_score":-0.04446052014827728,"channel":0,"num_words":1,"start":3211.46,"end":3211.96},{"sentences":[{"text":"have all been put to them because Troy came back and said, oh, look.","start":3211.6702,"end":3214.605,"sentiment":"neutral","sentiment_score":-0.09772928538067001},{"text":"I just told them that you have no intentions of being in this six bedroom, three bathroom house in ten years' time.","start":3214.605,"end":3221.345,"sentiment":"neutral","sentiment_score":-0.2035814208740538},{"text":"And but you know the sad thing, Dana, is that our","start":3221.565,"end":3224.2852,"sentiment":"neutral","sentiment_score":-0.28997153450142255}],"sentiment":"neutral","sentiment_score":-0.1922699602994513,"channel":1,"num_words":47,"start":3211.6702,"end":3224.2852},{"sentences":[{"text":"Yes.","start":3224.095,"end":3224.595,"sentiment":"neutral","sentiment_score":-0.25518012046813965}],"sentiment":"neutral","sentiment_score":-0.25518012046813965,"channel":0,"num_words":1,"start":3224.095,"end":3224.595},{"sentences":[{"text":"our insurance is 500 a month.","start":3224.2852,"end":3226.385,"sentiment":"neutral","sentiment_score":-0.28877731909354526},{"text":"That's the because","start":3226.605,"end":3227.71,"sentiment":"neutral","sentiment_score":-0.26730841398239136}],"sentiment":"neutral","sentiment_score":-0.2816210173898273,"channel":1,"num_words":9,"start":3224.2852,"end":3227.71},{"sentences":[{"text":"Wow.","start":3227.2148,"end":3227.7148,"sentiment":"neutral","sentiment_score":-0.23366457223892212}],"sentiment":"neutral","sentiment_score":-0.23366457223892212,"channel":0,"num_words":1,"start":3227.2148,"end":3227.7148},{"sentences":[{"text":"of how much our house is insured for.","start":3227.93,"end":3230.1099,"sentiment":"neutral","sentiment_score":-0.216301454231143},{"text":"But I said to","start":3230.3298,"end":3231.5298,"sentiment":"neutral","sentiment_score":-0.1188996396958828}],"sentiment":"neutral","sentiment_score":-0.1838341827193896,"channel":1,"num_words":12,"start":3227.93,"end":3231.5298},{"sentences":[{"text":"Wow.","start":3231.1602,"end":3231.6602,"sentiment":"neutral","sentiment_score":-0.08545945584774017}],"sentiment":"neutral","sentiment_score":-0.08545945584774017,"channel":0,"num_words":1,"start":3231.1602,"end":3231.6602},{"sentences":[{"text":"I said to Peter, I wanna have a chat to our insurance broker because","start":3231.5298,"end":3236.19,"sentiment":"neutral","sentiment_score":-0.030926048755645752}],"sentiment":"neutral","sentiment_score":-0.030926048755645752,"channel":1,"num_words":14,"start":3231.5298,"end":3236.19},{"sentences":[{"text":"Yeah.","start":3236.28,"end":3236.78,"sentiment":"neutral","sentiment_score":-0.021307535469532013}],"sentiment":"neutral","sentiment_score":-0.021307535469532013,"channel":0,"num_words":1,"start":3236.28,"end":3236.78},{"sentences":[{"text":"brokers have brokers everywhere.","start":3236.49,"end":3238.1099,"sentiment":"neutral","sentiment_score":-0.04379747062921524},{"text":"And we were I was chatting to him, and I said, look, How how does insurance work?","start":3238.17,"end":3242.555,"sentiment":"neutral","sentiment_score":-0.054722608450581044},{"text":"I always thought that you couldn't under insure.","start":3242.555,"end":3244.9548,"sentiment":"neutral","sentiment_score":-0.20356109738349915},{"text":"And he said, no.","start":3244.9548,"end":3245.915,"sentiment":"neutral","sentiment_score":-0.1972491554915905},{"text":"You're not supposed to under insure.","start":3245.915,"end":3247.755,"sentiment":"neutral","sentiment_score":-0.20271340509255728}],"sentiment":"neutral","sentiment_score":-0.12151897584016506,"channel":1,"num_words":39,"start":3236.49,"end":3247.755},{"sentences":[{"text":"I said, because it's like this.","start":3247.755,"end":3249.2148,"sentiment":"neutral","sentiment_score":-0.12885266914963722},{"text":"If this house was to burn down, god forbid, we","start":3249.275,"end":3252.555,"sentiment":"negative","sentiment_score":-0.5195775002241134}],"sentiment":"negative","sentiment_score":-0.3730556885711849,"channel":1,"num_words":16,"start":3247.755,"end":3252.555},{"sentences":[{"text":"Mhmm.","start":3252.5352,"end":3253.0352,"sentiment":"neutral","sentiment_score":-0.2989600598812103}],"sentiment":"neutral","sentiment_score":-0.2989600598812103,"channel":0,"num_words":1,"start":3252.5352,"end":3253.0352},{"sentences":[{"text":"don't have all children at home anymore, so we wouldn't need to build a house as big.","start":3252.555,"end":3258.0,"sentiment":"negative","sentiment_score":-0.39246226934825673},{"text":"And he said, no.","start":3258.0,"end":3258.6401,"sentiment":"neutral","sentiment_score":-0.20567037165164948},{"text":"That's exactly right.","start":3258.6401,"end":3259.86,"sentiment":"neutral","sentiment_score":-0.19370916982491812},{"text":"You could build a house for a lot less.","start":3260.08,"end":3262.8,"sentiment":"neutral","sentiment_score":-0.2016387167904112},{"text":"You know?","start":3262.8,"end":3263.2002,"sentiment":"neutral","sentiment_score":-0.08857462555170059}],"sentiment":"neutral","sentiment_score":-0.287644722206252,"channel":1,"num_words":35,"start":3252.555,"end":3263.2002},{"sentences":[{"text":"So he","start":3263.2002,"end":3263.84,"sentiment":"neutral","sentiment_score":-0.03736683540046215}],"sentiment":"neutral","sentiment_score":-0.03736683540046215,"channel":1,"num_words":2,"start":3263.2002,"end":3263.84},{"sentences":[{"text":"Yes.","start":3263.6602,"end":3264.1602,"sentiment":"neutral","sentiment_score":0.01214611530303955}],"sentiment":"neutral","sentiment_score":0.01214611530303955,"channel":0,"num_words":1,"start":3263.6602,"end":3264.1602},{"sentences":[{"text":"he took it to the insurance company, and we've just heard back that they won't do it because it would be underinsuring.","start":3263.84,"end":3268.98,"sentiment":"neutral","sentiment_score":-0.1580499852584167},{"text":"So now we're now we're battling with them to say, hold on a minute.","start":3269.5552,"end":3273.3152,"sentiment":"neutral","sentiment_score":-0.27646879106760025},{"text":"We've got it insured for 1,700,000, but that's what we would sell it for.","start":3273.3152,"end":3278.195,"sentiment":"neutral","sentiment_score":-0.21103385516575404},{"text":"The land itself","start":3278.195,"end":3279.235,"sentiment":"neutral","sentiment_score":-0.11739627023537953}],"sentiment":"neutral","sentiment_score":-0.2010250100690239,"channel":1,"num_words":53,"start":3263.84,"end":3279.235},{"sentences":[{"text":"Yeah.","start":3278.9849,"end":3279.4849,"sentiment":"neutral","sentiment_score":-0.10810455679893494}],"sentiment":"neutral","sentiment_score":-0.10810455679893494,"channel":0,"num_words":1,"start":3278.9849,"end":3279.4849},{"sentences":[{"text":"would have to be worth something.","start":3279.235,"end":3280.7751,"sentiment":"neutral","sentiment_score":-0.21408399939537048},{"text":"Like, you","start":3280.995,"end":3281.395,"sentiment":"neutral","sentiment_score":-0.11079804226756096}],"sentiment":"neutral","sentiment_score":-0.1882625101134181,"channel":1,"num_words":8,"start":3279.235,"end":3281.395},{"sentences":[{"text":"Yeah.","start":3281.385,"end":3281.885,"sentiment":"neutral","sentiment_score":-0.07155542075634003}],"sentiment":"neutral","sentiment_score":-0.07155542075634003,"channel":0,"num_words":1,"start":3281.385,"end":3281.885},{"sentences":[{"text":"know, like, we wanna lessen the amount that we had it insured for.","start":3281.395,"end":3285.18,"sentiment":"neutral","sentiment_score":-0.14958084088105422},{"text":"So, surely, we if we were to sell it oh, I don't think we'd get 1.7 to even sell, to be honest.","start":3286.14,"end":3291.66,"sentiment":"neutral","sentiment_score":-0.21925647353584116},{"text":"I think we'd only","start":3291.66,"end":3292.38,"sentiment":"neutral","sentiment_score":-0.1300800610333681}],"sentiment":"neutral","sentiment_score":-0.1868849639327098,"channel":1,"num_words":39,"start":3281.395,"end":3292.38},{"sentences":[{"text":"Yes.","start":3292.24,"end":3292.74,"sentiment":"neutral","sentiment_score":-0.08356815576553345}],"sentiment":"neutral","sentiment_score":-0.08356815576553345,"channel":0,"num_words":1,"start":3292.24,"end":3292.74},{"sentences":[{"text":"get one one point three maybe.","start":3292.38,"end":3294.4,"sentiment":"neutral","sentiment_score":-0.07301518507301807},{"text":"So you take the","start":3294.6199,"end":3295.42,"sentiment":"neutral","sentiment_score":-0.12813915312290192}],"sentiment":"neutral","sentiment_score":-0.09506477229297161,"channel":1,"num_words":10,"start":3292.38,"end":3295.42},{"sentences":[{"text":"Yep.","start":3295.2,"end":3295.7,"sentiment":"neutral","sentiment_score":-0.10817428678274156}],"sentiment":"neutral","sentiment_score":-0.10817428678274156,"channel":0,"num_words":1,"start":3295.2,"end":3295.7},{"sentences":[{"text":"land off that.","start":3295.42,"end":3296.4,"sentiment":"neutral","sentiment_score":-0.10618043442567189},{"text":"I reckon we should be able to insure it for a million, but at the moment, they don't wanna do it.","start":3296.46,"end":3300.48,"sentiment":"neutral","sentiment_score":-0.19561987086420968}],"sentiment":"neutral","sentiment_score":-0.18443994130939245,"channel":1,"num_words":24,"start":3295.42,"end":3300.48},{"sentences":[{"text":"Yeah.","start":3301.0452,"end":3301.365,"sentiment":"neutral","sentiment_score":-0.07344737648963928}],"sentiment":"neutral","sentiment_score":-0.07344737648963928,"channel":0,"num_words":1,"start":3301.0452,"end":3301.365},{"sentences":[{"text":"So","start":3301.315,"end":3301.635,"sentiment":"neutral","sentiment_score":-0.08680474758148193}],"sentiment":"neutral","sentiment_score":-0.08680474758148193,"channel":1,"num_words":1,"start":3301.315,"end":3301.635},{"sentences":[{"text":"Wow.","start":3301.365,"end":3301.865,"sentiment":"neutral","sentiment_score":-0.13933774828910828}],"sentiment":"neutral","sentiment_score":-0.13933774828910828,"channel":0,"num_words":1,"start":3301.365,"end":3301.865},{"sentences":[{"text":"so we're in a bit of a catch at the moment.","start":3301.635,"end":3303.475,"sentiment":"neutral","sentiment_score":-0.25715229592540045},{"text":"Yeah.","start":3303.475,"end":3303.795,"sentiment":"neutral","sentiment_score":-0.14206477999687195},{"text":"Don't know what to do about","start":3303.795,"end":3304.835,"sentiment":"neutral","sentiment_score":-0.23699064056078592}],"sentiment":"neutral","sentiment_score":-0.24403799325227737,"channel":1,"num_words":18,"start":3301.635,"end":3304.835},{"sentences":[{"text":"Yeah.","start":3304.725,"end":3305.125,"sentiment":"neutral","sentiment_score":-0.1208537295460701}],"sentiment":"neutral","sentiment_score":-0.1208537295460701,"channel":0,"num_words":1,"start":3304.725,"end":3305.125},{"sentences":[{"text":"it.","start":3304.835,"end":3305.335,"sentiment":"neutral","sentiment_score":-0.11323915421962738}],"sentiment":"neutral","sentiment_score":-0.11323915421962738,"channel":1,"num_words":1,"start":3304.835,"end":3305.335},{"sentences":[{"text":"Wow.","start":3305.125,"end":3305.625,"sentiment":"neutral","sentiment_score":-0.13709157705307007},{"text":"That's crazy, isn't it?","start":3305.925,"end":3307.5452,"sentiment":"neutral","sentiment_score":-0.21144796162843704}],"sentiment":"neutral","sentiment_score":-0.19657668471336365,"channel":0,"num_words":5,"start":3305.125,"end":3307.5452},{"sentences":[{"text":"Yeah.","start":3307.555,"end":3307.875,"sentiment":"neutral","sentiment_score":-0.08556203544139862},{"text":"Yeah.","start":3307.875,"end":3308.375,"sentiment":"neutral","sentiment_score":-0.06797455996274948}],"sentiment":"neutral","sentiment_score":-0.07676829770207405,"channel":1,"num_words":2,"start":3307.555,"end":3308.375},{"sentences":[{"text":"Yeah.","start":3309.205,"end":3309.705,"sentiment":"neutral","sentiment_score":-0.06187953054904938},{"text":"Wow.","start":3309.7651,"end":3310.165,"sentiment":"neutral","sentiment_score":-0.06772255152463913},{"text":"Yeah.","start":3310.165,"end":3310.325,"sentiment":"neutral","sentiment_score":-0.08822520822286606},{"text":"I know my house insurance has skyrocketed again with the 2022 floods in Northern New South Wales.","start":3310.325,"end":3316.1199,"sentiment":"neutral","sentiment_score":-0.1960648832952275},{"text":"And then","start":3316.1199,"end":3316.8599,"sentiment":"neutral","sentiment_score":-0.06837736070156097}],"sentiment":"neutral","sentiment_score":-0.16762204671447928,"channel":0,"num_words":22,"start":3309.205,"end":3316.8599},{"sentences":[{"text":"Yeah.","start":3316.52,"end":3317.0,"sentiment":"neutral","sentiment_score":-0.052809104323387146},{"text":"Yeah.","start":3317.0,"end":3317.5,"sentiment":"neutral","sentiment_score":-0.04602528363466263}],"sentiment":"neutral","sentiment_score":-0.04941719397902489,"channel":1,"num_words":2,"start":3316.52,"end":3317.5},{"sentences":[{"text":"and then the cycling thing last year, I think my flood levy went up to just over $1,000.","start":3318.0398,"end":3324.5999,"sentiment":"neutral","sentiment_score":-0.08059593331482676},{"text":"I paid $3 just to insure my house this year.","start":3324.5999,"end":3327.275,"sentiment":"neutral","sentiment_score":-0.0863666009157896},{"text":"Shocking.","start":3327.275,"end":3327.775,"sentiment":"negative","sentiment_score":-0.3983732461929322},{"text":"I nearly","start":3327.835,"end":3328.395,"sentiment":"neutral","sentiment_score":-0.26414473354816437}],"sentiment":"neutral","sentiment_score":-0.10455017813271092,"channel":0,"num_words":31,"start":3318.0398,"end":3328.395},{"sentences":[{"text":"Yeah.","start":3328.035,"end":3328.535,"sentiment":"neutral","sentiment_score":-0.25922971963882446}],"sentiment":"neutral","sentiment_score":-0.25922971963882446,"channel":1,"num_words":1,"start":3328.035,"end":3328.535},{"sentences":[{"text":"cried.","start":3328.395,"end":3328.895,"sentiment":"neutral","sentiment_score":-0.31584930419921875}],"sentiment":"neutral","sentiment_score":-0.31584930419921875,"channel":0,"num_words":1,"start":3328.395,"end":3328.895},{"sentences":[{"text":"It's well, we've got no chance of flood where we live because we're high up on a little bit of a, you know, hill type thing, but our insurance is 5,000 a year.","start":3328.995,"end":3339.39,"sentiment":"neutral","sentiment_score":-0.25530610210967786}],"sentiment":"neutral","sentiment_score":-0.25530610210967786,"channel":1,"num_words":33,"start":3328.995,"end":3339.39},{"sentences":[{"text":"Yeah.","start":3340.1,"end":3340.5,"sentiment":"neutral","sentiment_score":-0.05270849168300629},{"text":"Wow.","start":3340.5,"end":3341.0,"sentiment":"neutral","sentiment_score":-0.049249038100242615}],"sentiment":"neutral","sentiment_score":-0.05097876489162445,"channel":0,"num_words":2,"start":3340.1,"end":3341.0},{"sentences":[{"text":"Yeah.","start":3341.3098,"end":3341.71,"sentiment":"neutral","sentiment_score":-0.042832743376493454},{"text":"So we have to","start":3341.71,"end":3342.51,"sentiment":"neutral","sentiment_score":-0.05884205922484398}],"sentiment":"neutral","sentiment_score":-0.055640196055173875,"channel":1,"num_words":5,"start":3341.3098,"end":3342.51},{"sentences":[{"text":"It's","start":3342.5,"end":3342.74,"sentiment":"neutral","sentiment_score":-0.06380289047956467}],"sentiment":"neutral","sentiment_score":-0.06380289047956467,"channel":0,"num_words":1,"start":3342.5,"end":3342.74},{"sentences":[{"text":"pay it","start":3342.51,"end":3342.75,"sentiment":"neutral","sentiment_score":-0.0683931689709425}],"sentiment":"neutral","sentiment_score":-0.0683931689709425,"channel":1,"num_words":2,"start":3342.51,"end":3342.75},{"sentences":[{"text":"a","start":3342.74,"end":3342.82,"sentiment":"neutral","sentiment_score":-0.020402342081069943}],"sentiment":"neutral","sentiment_score":-0.020402342081069943,"channel":0,"num_words":1,"start":3342.74,"end":3342.82},{"sentences":[{"text":"monthly","start":3342.75,"end":3343.25,"sentiment":"neutral","sentiment_score":0.012361161410808563}],"sentiment":"neutral","sentiment_score":0.012361161410808563,"channel":1,"num_words":1,"start":3342.75,"end":3343.25},{"sentences":[{"text":"lot.","start":3342.82,"end":3343.32,"sentiment":"neutral","sentiment_score":-0.03951004892587662}],"sentiment":"neutral","sentiment_score":-0.03951004892587662,"channel":0,"num_words":1,"start":3342.82,"end":3343.32},{"sentences":[{"text":"monthly now because I I just can't find that money.","start":3343.39,"end":3346.7698,"sentiment":"negative","sentiment_score":-0.3663888394832611},{"text":"You know?","start":3347.15,"end":3347.5498,"sentiment":"neutral","sentiment_score":-0.1937561333179474}],"sentiment":"negative","sentiment_score":-0.3376167217890422,"channel":1,"num_words":12,"start":3343.39,"end":3347.5498},{"sentences":[{"text":"Yeah.","start":3347.46,"end":3347.96,"sentiment":"neutral","sentiment_score":-0.0790802538394928}],"sentiment":"neutral","sentiment_score":-0.0790802538394928,"channel":0,"num_words":1,"start":3347.46,"end":3347.96},{"sentences":[{"text":"But I well, I started thinking about it and just put it to our broker, our insurance broker, and I said, look.","start":3347.5498,"end":3352.67,"sentiment":"neutral","sentiment_score":-0.08048124221915548},{"text":"To rebuild, we don't have to have a 500 square meter under roof house.","start":3352.67,"end":3357.635,"sentiment":"neutral","sentiment_score":-0.12719532953841345},{"text":"We don't have to.","start":3357.635,"end":3358.7551,"sentiment":"neutral","sentiment_score":-0.1037229523062706}],"sentiment":"neutral","sentiment_score":-0.09915534378960729,"channel":1,"num_words":40,"start":3347.5498,"end":3358.7551},{"sentences":[{"text":"Yes.","start":3358.315,"end":3358.815,"sentiment":"neutral","sentiment_score":0.111433744430542}],"sentiment":"neutral","sentiment_score":0.111433744430542,"channel":0,"num_words":1,"start":3358.315,"end":3358.815},{"sentences":[{"text":"We we can","start":3358.7551,"end":3359.315,"sentiment":"neutral","sentiment_score":0.14813043673833212}],"sentiment":"neutral","sentiment_score":0.14813043673833212,"channel":1,"num_words":3,"start":3358.7551,"end":3359.315},{"sentences":[{"text":"Yes.","start":3359.275,"end":3359.775,"sentiment":"neutral","sentiment_score":0.1646503061056137}],"sentiment":"neutral","sentiment_score":0.1646503061056137,"channel":0,"num_words":1,"start":3359.275,"end":3359.775},{"sentences":[{"text":"build whatever we like.","start":3359.315,"end":3360.355,"sentiment":"neutral","sentiment_score":0.20727891474962234},{"text":"And he said, no.","start":3360.355,"end":3360.995,"sentiment":"neutral","sentiment_score":-0.09868426620960236},{"text":"That's exactly right.","start":3360.995,"end":3362.215,"sentiment":"neutral","sentiment_score":-0.08163007845481236},{"text":"But, yeah, they we just got an email the other day saying that insurance company was saying, no.","start":3362.355,"end":3366.7551,"sentiment":"negative","sentiment_score":-0.3404774044950803},{"text":"No.","start":3366.7551,"end":3366.995,"sentiment":"negative","sentiment_score":-0.6123202443122864}],"sentiment":"neutral","sentiment_score":-0.21838083888093632,"channel":1,"num_words":30,"start":3359.315,"end":3366.995},{"sentences":[{"text":"We don't like that.","start":3366.995,"end":3367.955,"sentiment":"negative","sentiment_score":-0.6585093587636948},{"text":"We don't like that","start":3367.955,"end":3368.675,"sentiment":"negative","sentiment_score":-0.5376804247498512}],"sentiment":"negative","sentiment_score":-0.598094891756773,"channel":1,"num_words":8,"start":3366.995,"end":3368.675},{"sentences":[{"text":"Yeah.","start":3368.555,"end":3369.055,"sentiment":"neutral","sentiment_score":-0.26029545068740845}],"sentiment":"neutral","sentiment_score":-0.26029545068740845,"channel":0,"num_words":1,"start":3368.555,"end":3369.055},{"sentences":[{"text":"you're underinsuring.","start":3368.675,"end":3369.335,"sentiment":"neutral","sentiment_score":-0.3010261654853821},{"text":"But, yeah, that was to rebuild a house while we had kids all living here with partners and and other ring ins.","start":3370.14,"end":3377.66,"sentiment":"neutral","sentiment_score":-0.20517307248982516},{"text":"You know?","start":3377.66,"end":3378.14,"sentiment":"neutral","sentiment_score":-0.19770825654268265},{"text":"Like, we would need to would have needed to rebuild this size house, but we've just had Maddie and her partner move out.","start":3378.14,"end":3384.8599,"sentiment":"neutral","sentiment_score":-0.2552676945924759},{"text":"And, you know, our other son's moved out, and another one's thinking of buying.","start":3384.8599,"end":3389.795,"sentiment":"neutral","sentiment_score":-0.19278234562703542}],"sentiment":"neutral","sentiment_score":-0.2235140675117099,"channel":1,"num_words":63,"start":3368.675,"end":3389.795},{"sentences":[{"text":"And so, you know, I said we wouldn't we wouldn't have to rebuild this size house, so why do we have to insure it?","start":3389.795,"end":3395.895,"sentiment":"neutral","sentiment_score":-0.28375457723935443},{"text":"But","start":3396.115,"end":3396.435,"sentiment":"neutral","sentiment_score":-0.18156813085079193}],"sentiment":"neutral","sentiment_score":-0.27966711938381195,"channel":1,"num_words":25,"start":3389.795,"end":3396.435},{"sentences":[{"text":"Yeah.","start":3396.385,"end":3396.885,"sentiment":"neutral","sentiment_score":-0.1999667286872864}],"sentiment":"neutral","sentiment_score":-0.1999667286872864,"channel":0,"num_words":1,"start":3396.385,"end":3396.885},{"sentences":[{"text":"apparently apparently, they're wanting us to do that.","start":3396.435,"end":3398.76,"sentiment":"neutral","sentiment_score":-0.2957195155322552}],"sentiment":"neutral","sentiment_score":-0.2957195155322552,"channel":1,"num_words":8,"start":3396.435,"end":3398.76},{"sentences":[{"text":"Wow.","start":3399.62,"end":3400.12,"sentiment":"neutral","sentiment_score":-0.06646183133125305},{"text":"Wow.","start":3401.3,"end":3401.8,"sentiment":"neutral","sentiment_score":-0.040737688541412354}],"sentiment":"neutral","sentiment_score":-0.0535997599363327,"channel":0,"num_words":2,"start":3399.62,"end":3401.8},{"sentences":[{"text":"Yeah.","start":3401.32,"end":3401.64,"sentiment":"neutral","sentiment_score":-0.03936176002025604},{"text":"So he's gonna take it back to them and say to resell it, they wouldn't get 1,700,000","start":3401.64,"end":3406.62,"sentiment":"neutral","sentiment_score":-0.08714315689661924}],"sentiment":"neutral","sentiment_score":-0.0844886348479324,"channel":1,"num_words":18,"start":3401.32,"end":3406.62},{"sentences":[{"text":"Yep.","start":3407.22,"end":3407.72,"sentiment":"neutral","sentiment_score":0.006923945154994726}],"sentiment":"neutral","sentiment_score":0.006923945154994726,"channel":0,"num_words":1,"start":3407.22,"end":3407.72},{"sentences":[{"text":"and","start":3407.8,"end":3408.04,"sentiment":"neutral","sentiment_score":-0.0092778317630291}],"sentiment":"neutral","sentiment_score":-0.0092778317630291,"channel":1,"num_words":1,"start":3407.8,"end":3408.04},{"sentences":[{"text":"Yeah.","start":3407.86,"end":3408.34,"sentiment":"neutral","sentiment_score":0.00017900951206684113}],"sentiment":"neutral","sentiment_score":0.00017900951206684113,"channel":0,"num_words":1,"start":3407.86,"end":3408.34},{"sentences":[{"text":"see what","start":3408.04,"end":3408.36,"sentiment":"neutral","sentiment_score":-0.000128893181681633}],"sentiment":"neutral","sentiment_score":-0.000128893181681633,"channel":1,"num_words":2,"start":3408.04,"end":3408.36},{"sentences":[{"text":"Makes","start":3408.34,"end":3408.6602,"sentiment":"neutral","sentiment_score":-0.03455963730812073}],"sentiment":"neutral","sentiment_score":-0.03455963730812073,"channel":0,"num_words":1,"start":3408.34,"end":3408.6602},{"sentences":[{"text":"they say","start":3408.36,"end":3408.76,"sentiment":"neutral","sentiment_score":-0.05728922598063946}],"sentiment":"neutral","sentiment_score":-0.05728922598063946,"channel":1,"num_words":2,"start":3408.36,"end":3408.76},{"sentences":[{"text":"sense.","start":3408.6602,"end":3409.1602,"sentiment":"neutral","sentiment_score":-0.05122892186045647}],"sentiment":"neutral","sentiment_score":-0.05122892186045647,"channel":0,"num_words":1,"start":3408.6602,"end":3409.1602},{"sentences":[{"text":"then.","start":3408.76,"end":3409.26,"sentiment":"neutral","sentiment_score":-0.02243834175169468}],"sentiment":"neutral","sentiment_score":-0.02243834175169468,"channel":1,"num_words":1,"start":3408.76,"end":3409.26},{"sentences":[{"text":"Yeah.","start":3409.86,"end":3410.1802,"sentiment":"neutral","sentiment_score":0.07267904281616211},{"text":"Definitely.","start":3410.1802,"end":3410.6802,"sentiment":"neutral","sentiment_score":0.14949682354927063},{"text":"Find it and see what they come out with.","start":3410.9001,"end":3412.4202,"sentiment":"neutral","sentiment_score":0.07850632444024086},{"text":"You just never know.","start":3412.4202,"end":3413.22,"sentiment":"neutral","sentiment_score":-0.09467172436416149},{"text":"You might win.","start":3413.22,"end":3414.02,"sentiment":"neutral","sentiment_score":-0.037044634421666466}],"sentiment":"neutral","sentiment_score":0.02438399920033084,"channel":0,"num_words":18,"start":3409.86,"end":3414.02},{"sentences":[{"text":"You might be","start":3414.02,"end":3414.76,"sentiment":"neutral","sentiment_score":-0.03986230989297231}],"sentiment":"neutral","sentiment_score":-0.03986230989297231,"channel":0,"num_words":3,"start":3414.02,"end":3414.76},{"sentences":[{"text":"Yeah.","start":3414.4348,"end":3414.9348,"sentiment":"neutral","sentiment_score":-0.06284385174512863}],"sentiment":"neutral","sentiment_score":-0.06284385174512863,"channel":1,"num_words":1,"start":3414.4348,"end":3414.9348},{"sentences":[{"text":"a","start":3415.105,"end":3415.145,"sentiment":"neutral","sentiment_score":-0.14633765816688538}],"sentiment":"neutral","sentiment_score":-0.14633765816688538,"channel":0,"num_words":1,"start":3415.105,"end":3415.145},{"sentences":[{"text":"I","start":3415.1548,"end":3415.315,"sentiment":"neutral","sentiment_score":-0.16032376885414124}],"sentiment":"neutral","sentiment_score":-0.16032376885414124,"channel":1,"num_words":1,"start":3415.1548,"end":3415.315},{"sentences":[{"text":"you","start":3415.185,"end":3415.345,"sentiment":"neutral","sentiment_score":-0.21787282824516296}],"sentiment":"neutral","sentiment_score":-0.21787282824516296,"channel":0,"num_words":1,"start":3415.185,"end":3415.345},{"sentences":[{"text":"just","start":3415.315,"end":3415.4749,"sentiment":"neutral","sentiment_score":-0.20804648101329803}],"sentiment":"neutral","sentiment_score":-0.20804648101329803,"channel":1,"num_words":1,"start":3415.315,"end":3415.4749},{"sentences":[{"text":"might be","start":3415.345,"end":3415.625,"sentiment":"neutral","sentiment_score":-0.2340637966990471}],"sentiment":"neutral","sentiment_score":-0.2340637966990471,"channel":0,"num_words":2,"start":3415.345,"end":3415.625},{"sentences":[{"text":"don't","start":3415.4749,"end":3415.7148,"sentiment":"neutral","sentiment_score":-0.23781561851501465}],"sentiment":"neutral","sentiment_score":-0.23781561851501465,"channel":1,"num_words":1,"start":3415.4749,"end":3415.7148},{"sentences":[{"text":"able","start":3415.625,"end":3415.825,"sentiment":"neutral","sentiment_score":-0.24070057272911072}],"sentiment":"neutral","sentiment_score":-0.24070057272911072,"channel":0,"num_words":1,"start":3415.625,"end":3415.825},{"sentences":[{"text":"know.","start":3415.7148,"end":3415.9548,"sentiment":"neutral","sentiment_score":-0.2223035842180252}],"sentiment":"neutral","sentiment_score":-0.2223035842180252,"channel":1,"num_words":1,"start":3415.7148,"end":3415.9548},{"sentences":[{"text":"to","start":3415.825,"end":3416.325,"sentiment":"neutral","sentiment_score":-0.17913371324539185}],"sentiment":"neutral","sentiment_score":-0.17913371324539185,"channel":0,"num_words":1,"start":3415.825,"end":3416.325},{"sentences":[{"text":"I haven't put the I haven't put the option to him to say, look, if you started again with another company,","start":3415.9548,"end":3420.9348,"sentiment":"neutral","sentiment_score":-0.23449026899678366}],"sentiment":"neutral","sentiment_score":-0.23449026899678366,"channel":1,"num_words":21,"start":3415.9548,"end":3420.9348},{"sentences":[{"text":"convince them.","start":3420.625,"end":3421.375,"sentiment":"neutral","sentiment_score":-0.25258931517601013}],"sentiment":"neutral","sentiment_score":-0.25258931517601013,"channel":0,"num_words":2,"start":3420.625,"end":3421.375},{"sentences":[{"text":"a different a different insurer, couldn't you start fresh and say, this is what my house and this is what I wanna insure it for, and this is what I want the contents for, or do they have to know the be all and end all of what you had insured for the last people?","start":3421.2349,"end":3434.51,"sentiment":"neutral","sentiment_score":-0.21560297012329102},{"text":"I don't know how it works.","start":3434.51,"end":3435.81,"sentiment":"negative","sentiment_score":-0.38905560473601025}],"sentiment":"neutral","sentiment_score":-0.2326638850032306,"channel":1,"num_words":61,"start":3421.2349,"end":3435.81},{"sentences":[{"text":"Yeah.","start":3436.4502,"end":3436.85,"sentiment":"neutral","sentiment_score":-0.10135878622531892},{"text":"I mean, when I've changed insurance, I've never had to give them any of the","start":3436.85,"end":3440.6902,"sentiment":"neutral","sentiment_score":-0.039369621748725575}],"sentiment":"neutral","sentiment_score":-0.04324394452851266,"channel":0,"num_words":16,"start":3436.4502,"end":3440.6902},{"sentences":[{"text":"Yeah.","start":3440.67,"end":3441.17,"sentiment":"neutral","sentiment_score":-0.02963114157319069}],"sentiment":"neutral","sentiment_score":-0.02963114157319069,"channel":1,"num_words":1,"start":3440.67,"end":3441.17},{"sentences":[{"text":"documents.","start":3440.6902,"end":3441.1902,"sentiment":"neutral","sentiment_score":-0.04001716896891594},{"text":"I've","start":3441.33,"end":3441.49,"sentiment":"neutral","sentiment_score":-0.052385181188583374}],"sentiment":"neutral","sentiment_score":-0.04620117507874966,"channel":0,"num_words":2,"start":3440.6902,"end":3441.49},{"sentences":[{"text":"No.","start":3441.4148,"end":3441.6548,"sentiment":"neutral","sentiment_score":-0.07740769535303116}],"sentiment":"neutral","sentiment_score":-0.07740769535303116,"channel":1,"num_words":1,"start":3441.4148,"end":3441.6548},{"sentences":[{"text":"just","start":3441.49,"end":3441.73,"sentiment":"neutral","sentiment_score":-0.09224080294370653}],"sentiment":"neutral","sentiment_score":-0.09224080294370653,"channel":0,"num_words":1,"start":3441.49,"end":3441.73},{"sentences":[{"text":"You","start":3441.6548,"end":3441.7349,"sentiment":"neutral","sentiment_score":-0.13200519979000092}],"sentiment":"neutral","sentiment_score":-0.13200519979000092,"channel":1,"num_words":1,"start":3441.6548,"end":3441.7349},{"sentences":[{"text":"had","start":3441.73,"end":3441.8901,"sentiment":"neutral","sentiment_score":-0.12667812407016754}],"sentiment":"neutral","sentiment_score":-0.12667812407016754,"channel":0,"num_words":1,"start":3441.73,"end":3441.8901},{"sentences":[{"text":"haven't","start":3441.7349,"end":3442.1348,"sentiment":"neutral","sentiment_score":-0.1183270514011383}],"sentiment":"neutral","sentiment_score":-0.1183270514011383,"channel":1,"num_words":1,"start":3441.7349,"end":3442.1348},{"sentences":[{"text":"to tell","start":3441.8901,"end":3442.29,"sentiment":"neutral","sentiment_score":-0.12707719206809998}],"sentiment":"neutral","sentiment_score":-0.12707719206809998,"channel":0,"num_words":2,"start":3441.8901,"end":3442.29},{"sentences":[{"text":"had","start":3442.1348,"end":3442.295,"sentiment":"neutral","sentiment_score":-0.10370630770921709}],"sentiment":"neutral","sentiment_score":-0.10370630770921709,"channel":1,"num_words":1,"start":3442.1348,"end":3442.295},{"sentences":[{"text":"them","start":3442.29,"end":3442.53,"sentiment":"neutral","sentiment_score":-0.1109357252717018}],"sentiment":"neutral","sentiment_score":-0.1109357252717018,"channel":0,"num_words":1,"start":3442.29,"end":3442.53},{"sentences":[{"text":"to disclose.","start":3442.295,"end":3442.9548,"sentiment":"neutral","sentiment_score":-0.13621489703655243}],"sentiment":"neutral","sentiment_score":-0.13621489703655243,"channel":1,"num_words":2,"start":3442.295,"end":3442.9548},{"sentences":[{"text":"I had it.","start":3442.53,"end":3443.35,"sentiment":"neutral","sentiment_score":-0.054677811761697136}],"sentiment":"neutral","sentiment_score":-0.054677811761697136,"channel":0,"num_words":3,"start":3442.53,"end":3443.35},{"sentences":[{"text":"Yeah.","start":3443.4949,"end":3443.9949,"sentiment":"neutral","sentiment_score":-0.0253198966383934}],"sentiment":"neutral","sentiment_score":-0.0253198966383934,"channel":1,"num_words":1,"start":3443.4949,"end":3443.9949},{"sentences":[{"text":"No.","start":3443.73,"end":3444.23,"sentiment":"neutral","sentiment_score":-0.03923001140356064}],"sentiment":"neutral","sentiment_score":-0.03923001140356064,"channel":0,"num_words":1,"start":3443.73,"end":3444.23},{"sentences":[{"text":"Yeah.","start":3444.775,"end":3445.275,"sentiment":"neutral","sentiment_score":-0.002712070941925049}],"sentiment":"neutral","sentiment_score":-0.002712070941925049,"channel":1,"num_words":1,"start":3444.775,"end":3445.275},{"sentences":[{"text":"So yes.","start":3445.455,"end":3446.5151,"sentiment":"neutral","sentiment_score":0.03171654976904392},{"text":"Interesting.","start":3446.655,"end":3447.155,"sentiment":"neutral","sentiment_score":0.1685851812362671},{"text":"Be worth be worth looking at.","start":3447.5352,"end":3449.2952,"sentiment":"neutral","sentiment_score":0.18410882353782654}],"sentiment":"neutral","sentiment_score":0.1485190246668127,"channel":0,"num_words":9,"start":3445.455,"end":3449.2952},{"sentences":[{"text":"Yeah.","start":3449.255,"end":3449.755,"sentiment":"neutral","sentiment_score":0.03689434751868248}],"sentiment":"neutral","sentiment_score":0.03689434751868248,"channel":1,"num_words":1,"start":3449.255,"end":3449.755},{"sentences":[{"text":"Yeah.","start":3449.2952,"end":3449.6152,"sentiment":"neutral","sentiment_score":0.02121986448764801},{"text":"Wow.","start":3449.6152,"end":3450.1152,"sentiment":"neutral","sentiment_score":-0.013218069449067116}],"sentiment":"neutral","sentiment_score":0.004000897519290447,"channel":0,"num_words":2,"start":3449.2952,"end":3450.1152},{"sentences":[{"text":"They couldn't","start":3450.855,"end":3451.4148,"sentiment":"neutral","sentiment_score":-0.10046703740954399}],"sentiment":"neutral","sentiment_score":-0.10046703740954399,"channel":1,"num_words":2,"start":3450.855,"end":3451.4148},{"sentences":[{"text":"Wow.","start":3451.215,"end":3451.715,"sentiment":"neutral","sentiment_score":-0.1032407358288765}],"sentiment":"neutral","sentiment_score":-0.1032407358288765,"channel":0,"num_words":1,"start":3451.215,"end":3451.715},{"sentences":[{"text":"go by what they couldn't go by what we bought it for because, you know, back in the day when we bought it, we thought we were kings and queens.","start":3451.4148,"end":3459.51,"sentiment":"neutral","sentiment_score":-0.11962603218853474},{"text":"I said, oh, we're really, you know, gonna be going over our budget here, but we love the house so much.","start":3459.51,"end":3465.67,"sentiment":"neutral","sentiment_score":-0.024742897067751204},{"text":"And and now you can't buy a house in flood stricken area in Rockhampton for what we bought it for.","start":3465.67,"end":3470.4949,"sentiment":"neutral","sentiment_score":-0.3262381188571453}],"sentiment":"neutral","sentiment_score":-0.1497625941017144,"channel":1,"num_words":71,"start":3451.4148,"end":3470.4949},{"sentences":[{"text":"Yeah.","start":3471.195,"end":3471.695,"sentiment":"neutral","sentiment_score":-0.0050100404769182205},{"text":"Absolutely.","start":3471.915,"end":3472.415,"sentiment":"neutral","sentiment_score":0.03889387100934982}],"sentiment":"neutral","sentiment_score":0.0169419152662158,"channel":0,"num_words":2,"start":3471.195,"end":3472.415},{"sentences":[{"text":"The what","start":3472.4749,"end":3473.435,"sentiment":"neutral","sentiment_score":-0.03702996298670769}],"sentiment":"neutral","sentiment_score":-0.03702996298670769,"channel":1,"num_words":2,"start":3472.4749,"end":3473.435},{"sentences":[{"text":"Wow.","start":3473.2751,"end":3473.7751,"sentiment":"neutral","sentiment_score":0.0115213580429554}],"sentiment":"neutral","sentiment_score":0.0115213580429554,"channel":0,"num_words":1,"start":3473.2751,"end":3473.7751},{"sentences":[{"text":"what we bought this for is just an a a 50 year old house now.","start":3473.435,"end":3477.295,"sentiment":"neutral","sentiment_score":-0.04895228197177251},{"text":"You know,","start":3477.355,"end":3477.755,"sentiment":"neutral","sentiment_score":-0.07203664630651474}],"sentiment":"neutral","sentiment_score":-0.05166808954056572,"channel":1,"num_words":17,"start":3473.435,"end":3477.755},{"sentences":[{"text":"Yeah.","start":3477.675,"end":3478.175,"sentiment":"neutral","sentiment_score":-0.07611937820911407}],"sentiment":"neutral","sentiment_score":-0.07611937820911407,"channel":0,"num_words":1,"start":3477.675,"end":3478.175},{"sentences":[{"text":"like, skyrocketed so","start":3477.755,"end":3480.075,"sentiment":"neutral","sentiment_score":-0.11258777727683385}],"sentiment":"neutral","sentiment_score":-0.11258777727683385,"channel":1,"num_words":3,"start":3477.755,"end":3480.075},{"sentences":[{"text":"K.","start":3479.8352,"end":3480.3352,"sentiment":"neutral","sentiment_score":-0.0980047881603241}],"sentiment":"neutral","sentiment_score":-0.0980047881603241,"channel":0,"num_words":1,"start":3479.8352,"end":3480.3352},{"sentences":[{"text":"much, and there's nothing","start":3480.075,"end":3481.435,"sentiment":"neutral","sentiment_score":-0.13057473488152027}],"sentiment":"neutral","sentiment_score":-0.13057473488152027,"channel":1,"num_words":4,"start":3480.075,"end":3481.435},{"sentences":[{"text":"Yeah.","start":3481.115,"end":3481.615,"sentiment":"neutral","sentiment_score":-0.07703237235546112}],"sentiment":"neutral","sentiment_score":-0.07703237235546112,"channel":0,"num_words":1,"start":3481.115,"end":3481.615},{"sentences":[{"text":"available.","start":3481.435,"end":3481.915,"sentiment":"neutral","sentiment_score":-0.11227287352085114},{"text":"So even the the dregs of the of the city are up around the $600,000 mark.","start":3481.915,"end":3488.09,"sentiment":"neutral","sentiment_score":-0.11865053256042302},{"text":"Terrible.","start":3488.55,"end":3489.05,"sentiment":"neutral","sentiment_score":-0.07802798599004745}],"sentiment":"neutral","sentiment_score":-0.11603941002653705,"channel":1,"num_words":18,"start":3481.435,"end":3489.05},{"sentences":[{"text":"Yeah.","start":3488.81,"end":3489.21,"sentiment":"neutral","sentiment_score":0.010356951504945757},{"text":"Wow.","start":3489.21,"end":3489.71,"sentiment":"neutral","sentiment_score":0.04156411439180374},{"text":"Wow.","start":3490.01,"end":3490.51,"sentiment":"neutral","sentiment_score":0.06900763511657715},{"text":"Well, yeah, hopefully, they get that passed down for you a little bit.","start":3492.17,"end":3494.97,"sentiment":"neutral","sentiment_score":0.1369435669711003},{"text":"Then I'll look at I will I'm sorry.","start":3494.97,"end":3497.025,"sentiment":"neutral","sentiment_score":0.0012231164146214724}],"sentiment":"neutral","sentiment_score":0.07962416678977509,"channel":0,"num_words":24,"start":3488.81,"end":3497.025},{"sentences":[{"text":"I'll send you an email after the call if you like.","start":3497.025,"end":3499.105,"sentiment":"neutral","sentiment_score":0.012853987684304064},{"text":"If you wanna send me a statement, I can have a look at the difference in the mortgage for you.","start":3499.105,"end":3503.6848,"sentiment":"neutral","sentiment_score":0.0005896209739148616}],"sentiment":"neutral","sentiment_score":0.004941493032440063,"channel":0,"num_words":31,"start":3497.025,"end":3503.6848},{"sentences":[{"text":"Okay.","start":3503.775,"end":3504.275,"sentiment":"neutral","sentiment_score":0.08085566759109497}],"sentiment":"neutral","sentiment_score":0.08085566759109497,"channel":1,"num_words":1,"start":3503.775,"end":3504.275},{"sentences":[{"text":"I I also did just pull up a report for you real quick as well.","start":3504.305,"end":3507.9048,"sentiment":"neutral","sentiment_score":0.13420837720235188},{"text":"So your portfolio over the last twelve months has returned at 8.65%.","start":3507.9048,"end":3513.35,"sentiment":"neutral","sentiment_score":0.18920589362581572}],"sentiment":"neutral","sentiment_score":0.15865171783500248,"channel":0,"num_words":27,"start":3504.305,"end":3513.35},{"sentences":[{"text":"Yep.","start":3513.69,"end":3514.19,"sentiment":"neutral","sentiment_score":0.24972161650657657}],"sentiment":"neutral","sentiment_score":0.24972161650657657,"channel":1,"num_words":1,"start":3513.69,"end":3514.19},{"sentences":[{"text":"That's a return for growth and income of over 9,002 September, so an eight","start":3514.05,"end":3520.61,"sentiment":"neutral","sentiment_score":0.2571103998592922}],"sentiment":"neutral","sentiment_score":0.2571103998592922,"channel":0,"num_words":14,"start":3514.05,"end":3520.61},{"sentences":[{"text":"Mhmm.","start":3520.41,"end":3520.91,"sentiment":"neutral","sentiment_score":0.16731145977973938}],"sentiment":"neutral","sentiment_score":0.16731145977973938,"channel":1,"num_words":1,"start":3520.41,"end":3520.91},{"sentences":[{"text":"percent return.","start":3520.61,"end":3521.4302,"sentiment":"neutral","sentiment_score":0.19995958358049393},{"text":"So","start":3521.4902,"end":3521.8901,"sentiment":"neutral","sentiment_score":0.2124304473400116}],"sentiment":"neutral","sentiment_score":0.20411653816699982,"channel":0,"num_words":3,"start":3520.61,"end":3521.8901},{"sentences":[{"text":"Yeah.","start":3521.85,"end":3522.35,"sentiment":"neutral","sentiment_score":0.27625274658203125}],"sentiment":"neutral","sentiment_score":0.27625274658203125,"channel":1,"num_words":1,"start":3521.85,"end":3522.35},{"sentences":[{"text":"even without contributions, there is a possibility you can still get great returns and compounding out of your super.","start":3521.8901,"end":3527.83,"sentiment":"neutral","sentiment_score":0.3181566635244771}],"sentiment":"neutral","sentiment_score":0.3181566635244771,"channel":0,"num_words":19,"start":3521.8901,"end":3527.83},{"sentences":[{"text":"Yeah.","start":3528.125,"end":3528.625,"sentiment":"neutral","sentiment_score":0.13719293475151062},{"text":"The compounding","start":3528.845,"end":3529.665,"sentiment":"neutral","sentiment_score":0.11690507084131241}],"sentiment":"neutral","sentiment_score":0.12366769214471181,"channel":1,"num_words":3,"start":3528.125,"end":3529.665},{"sentences":[{"text":"So it can","start":3529.385,"end":3530.025,"sentiment":"neutral","sentiment_score":0.11292163530985515}],"sentiment":"neutral","sentiment_score":0.11292163530985515,"channel":0,"num_words":3,"start":3529.385,"end":3530.025},{"sentences":[{"text":"name.","start":3529.805,"end":3530.305,"sentiment":"neutral","sentiment_score":0.1007443070411682}],"sentiment":"neutral","sentiment_score":0.1007443070411682,"channel":1,"num_words":1,"start":3529.805,"end":3530.305},{"sentences":[{"text":"be done.","start":3530.025,"end":3530.685,"sentiment":"neutral","sentiment_score":0.11949307844042778},{"text":"Yeah.","start":3530.825,"end":3531.325,"sentiment":"neutral","sentiment_score":0.1864212304353714}],"sentiment":"neutral","sentiment_score":0.1418024624387423,"channel":0,"num_words":3,"start":3530.025,"end":3531.325},{"sentences":[{"text":"Yep.","start":3531.0051,"end":3531.5051,"sentiment":"neutral","sentiment_score":0.2317718267440796}],"sentiment":"neutral","sentiment_score":0.2317718267440796,"channel":1,"num_words":1,"start":3531.0051,"end":3531.5051},{"sentences":[{"text":"So it can definitely be done, but it's also gotta be something that you're comfortable with.","start":3531.465,"end":3535.785,"sentiment":"neutral","sentiment_score":0.24290750361979008},{"text":"So","start":3535.785,"end":3536.285,"sentiment":"neutral","sentiment_score":0.15361368656158447}],"sentiment":"neutral","sentiment_score":0.237654926145778,"channel":0,"num_words":17,"start":3531.465,"end":3536.285},{"sentences":[{"text":"Yep.","start":3536.125,"end":3536.625,"sentiment":"neutral","sentiment_score":0.1671699583530426}],"sentiment":"neutral","sentiment_score":0.1671699583530426,"channel":1,"num_words":1,"start":3536.125,"end":3536.625},{"sentences":[{"text":"feel free to have it read to the document.","start":3537.385,"end":3539.145,"sentiment":"neutral","sentiment_score":0.15752874811490378},{"text":"Let me","start":3539.145,"end":3539.465,"sentiment":"neutral","sentiment_score":0.16579419374465942}],"sentiment":"neutral","sentiment_score":0.159031556411223,"channel":0,"num_words":11,"start":3537.385,"end":3539.465},{"sentences":[{"text":"Hi,","start":3539.35,"end":3539.67,"sentiment":"neutral","sentiment_score":0.18323680758476257}],"sentiment":"neutral","sentiment_score":0.18323680758476257,"channel":1,"num_words":1,"start":3539.35,"end":3539.67},{"sentences":[{"text":"know if","start":3539.465,"end":3539.705,"sentiment":"neutral","sentiment_score":0.19179099798202515}],"sentiment":"neutral","sentiment_score":0.19179099798202515,"channel":0,"num_words":2,"start":3539.465,"end":3539.705},{"sentences":[{"text":"Caleb.","start":3539.67,"end":3540.17,"sentiment":"neutral","sentiment_score":0.1655195951461792}],"sentiment":"neutral","sentiment_score":0.1655195951461792,"channel":1,"num_words":1,"start":3539.67,"end":3540.17},{"sentences":[{"text":"you have any additional questions.","start":3539.705,"end":3540.905,"sentiment":"neutral","sentiment_score":0.1347681164741516},{"text":"If you're happy to take it on board and wanna suddenly go through the switch and take the advice, I'll get you to sign and return it back.","start":3540.905,"end":3548.7998,"sentiment":"positive","sentiment_score":0.4392771076943193},{"text":"In the meantime, if you send me a statement, and I'll send you an email after the call as well, And I can go back and just do some additional research there for you,","start":3548.7998,"end":3558.735,"sentiment":"neutral","sentiment_score":0.1537015701041502}],"sentiment":"neutral","sentiment_score":0.2716336265873553,"channel":0,"num_words":67,"start":3539.705,"end":3558.735},{"sentences":[{"text":"Mhmm.","start":3559.025,"end":3559.105,"sentiment":"neutral","sentiment_score":0.11853977292776108}],"sentiment":"neutral","sentiment_score":0.11853977292776108,"channel":1,"num_words":1,"start":3559.025,"end":3559.105},{"sentences":[{"text":"and","start":3559.0352,"end":3559.195,"sentiment":"neutral","sentiment_score":0.09474284946918488}],"sentiment":"neutral","sentiment_score":0.09474284946918488,"channel":0,"num_words":1,"start":3559.0352,"end":3559.195},{"sentences":[{"text":"Yep.","start":3559.105,"end":3559.605,"sentiment":"neutral","sentiment_score":0.17684583365917206}],"sentiment":"neutral","sentiment_score":0.17684583365917206,"channel":1,"num_words":1,"start":3559.105,"end":3559.605},{"sentences":[{"text":"I can send you a a comparison on what it might look like if you paid this money off the mortgage and what kind of interest you might save just so you can see the difference there.","start":3559.195,"end":3568.655,"sentiment":"neutral","sentiment_score":0.1853757977888391},{"text":"Okay?","start":3568.715,"end":3569.215,"sentiment":"neutral","sentiment_score":0.12064659595489502}],"sentiment":"neutral","sentiment_score":0.1836723977405774,"channel":0,"num_words":38,"start":3559.195,"end":3569.215},{"sentences":[{"text":"Okay then.","start":3568.83,"end":3569.55,"sentiment":"neutral","sentiment_score":0.144414983689785},{"text":"Yeah.","start":3569.55,"end":3569.95,"sentiment":"neutral","sentiment_score":0.26324430108070374},{"text":"Sounds good.","start":3569.95,"end":3570.77,"sentiment":"positive","sentiment_score":0.5080479681491852},{"text":"I think","start":3570.83,"end":3571.1501,"sentiment":"neutral","sentiment_score":0.19934722781181335}],"sentiment":"neutral","sentiment_score":0.28098066576889585,"channel":1,"num_words":7,"start":3568.83,"end":3571.1501},{"sentences":[{"text":"Yeah.","start":3571.0,"end":3571.4,"sentiment":"neutral","sentiment_score":0.19060784578323364}],"sentiment":"neutral","sentiment_score":0.19060784578323364,"channel":0,"num_words":1,"start":3571.0,"end":3571.4},{"sentences":[{"text":"Peter's","start":3571.1501,"end":3571.55,"sentiment":"neutral","sentiment_score":0.08024036884307861}],"sentiment":"neutral","sentiment_score":0.08024036884307861,"channel":1,"num_words":1,"start":3571.1501,"end":3571.55},{"sentences":[{"text":"Oh,","start":3571.4,"end":3571.72,"sentiment":"neutral","sentiment_score":0.14007604122161865}],"sentiment":"neutral","sentiment_score":0.14007604122161865,"channel":0,"num_words":1,"start":3571.4,"end":3571.72},{"sentences":[{"text":"already","start":3571.55,"end":3571.79,"sentiment":"neutral","sentiment_score":0.25049692392349243}],"sentiment":"neutral","sentiment_score":0.25049692392349243,"channel":1,"num_words":1,"start":3571.55,"end":3571.79},{"sentences":[{"text":"good.","start":3571.72,"end":3572.22,"sentiment":"neutral","sentiment_score":0.23687388002872467}],"sentiment":"neutral","sentiment_score":0.23687388002872467,"channel":0,"num_words":1,"start":3571.72,"end":3572.22},{"sentences":[{"text":"made me sign it.","start":3571.79,"end":3572.67,"sentiment":"neutral","sentiment_score":0.18052590638399124},{"text":"I don't know.","start":3572.67,"end":3573.07,"sentiment":"neutral","sentiment_score":0.007232301325226824},{"text":"You probably got him back already.","start":3573.07,"end":3574.53,"sentiment":"neutral","sentiment_score":0.025208912168939907}],"sentiment":"neutral","sentiment_score":0.06885030788656038,"channel":1,"num_words":13,"start":3571.79,"end":3574.53},{"sentences":[{"text":"I have got something back at this high","start":3575.0,"end":3577.24,"sentiment":"neutral","sentiment_score":0.08713095169514418}],"sentiment":"neutral","sentiment_score":0.08713095169514418,"channel":0,"num_words":8,"start":3575.0,"end":3577.24},{"sentences":[{"text":"Yeah.","start":3577.23,"end":3577.47,"sentiment":"neutral","sentiment_score":0.08015213161706924}],"sentiment":"neutral","sentiment_score":0.08015213161706924,"channel":1,"num_words":1,"start":3577.23,"end":3577.47},{"sentences":[{"text":"sign.","start":3577.24,"end":3577.74,"sentiment":"neutral","sentiment_score":0.12609876692295074}],"sentiment":"neutral","sentiment_score":0.12609876692295074,"channel":0,"num_words":1,"start":3577.24,"end":3577.74},{"sentences":[{"text":"He's already it's already signed, love.","start":3577.47,"end":3579.4949,"sentiment":"neutral","sentiment_score":0.267148161927859}],"sentiment":"neutral","sentiment_score":0.267148161927859,"channel":1,"num_words":6,"start":3577.47,"end":3579.4949},{"sentences":[{"text":"That's okay.","start":3580.0398,"end":3580.8599,"sentiment":"positive","sentiment_score":0.3725774735212326},{"text":"Look.","start":3581.24,"end":3581.48,"sentiment":"neutral","sentiment_score":0.31076815724372864},{"text":"We'll make the changes for you anyway.","start":3581.48,"end":3583.5598,"sentiment":"positive","sentiment_score":0.3425912857055664},{"text":"And","start":3583.5598,"end":3583.72,"sentiment":"neutral","sentiment_score":0.17069844901561737}],"sentiment":"neutral","sentiment_score":0.3295236866582524,"channel":0,"num_words":11,"start":3580.0398,"end":3583.72},{"sentences":[{"text":"Okay.","start":3583.635,"end":3584.135,"sentiment":"neutral","sentiment_score":0.16480129957199097}],"sentiment":"neutral","sentiment_score":0.16480129957199097,"channel":1,"num_words":1,"start":3583.635,"end":3584.135},{"sentences":[{"text":"then if you","start":3583.72,"end":3584.385,"sentiment":"neutral","sentiment_score":0.16069487233956656}],"sentiment":"neutral","sentiment_score":0.16069487233956656,"channel":0,"num_words":3,"start":3583.72,"end":3584.385},{"sentences":[{"text":"Yep.","start":3584.195,"end":3584.695,"sentiment":"neutral","sentiment_score":0.08592810481786728}],"sentiment":"neutral","sentiment_score":0.08592810481786728,"channel":1,"num_words":1,"start":3584.195,"end":3584.695},{"sentences":[{"text":"ever decide you if you decide you wanna pull it out, let me know.","start":3584.465,"end":3587.105,"sentiment":"neutral","sentiment_score":0.18051752341645105},{"text":"You've got me here.","start":3587.105,"end":3587.985,"sentiment":"positive","sentiment_score":0.42678193002939224},{"text":"You can use me to your full advantage.","start":3587.985,"end":3589.745,"sentiment":"positive","sentiment_score":0.5070740729570389},{"text":"I can do","start":3589.745,"end":3590.305,"sentiment":"positive","sentiment_score":0.4249544342358907}],"sentiment":"neutral","sentiment_score":0.32985617014868507,"channel":0,"num_words":29,"start":3584.465,"end":3590.305},{"sentences":[{"text":"Yep.","start":3590.195,"end":3590.695,"sentiment":"positive","sentiment_score":0.3334822654724121}],"sentiment":"positive","sentiment_score":0.3334822654724121,"channel":1,"num_words":1,"start":3590.195,"end":3590.695},{"sentences":[{"text":"as much research as you want, and we can talk about all the options that are viable to you as well.","start":3590.305,"end":3595.125,"sentiment":"positive","sentiment_score":0.3667061016673133},{"text":"Okay?","start":3595.185,"end":3595.685,"sentiment":"neutral","sentiment_score":0.148443341255188}],"sentiment":"positive","sentiment_score":0.35678506710312585,"channel":0,"num_words":22,"start":3590.305,"end":3595.685},{"sentences":[{"text":"Alright then.","start":3595.27,"end":3596.07,"sentiment":"neutral","sentiment_score":0.3186911642551422},{"text":"Lovely talking to you again.","start":3596.07,"end":3597.51,"sentiment":"positive","sentiment_score":0.8168587803840637},{"text":"Thank you so much","start":3597.51,"end":3598.39,"sentiment":"positive","sentiment_score":0.7320968955755234}],"sentiment":"positive","sentiment_score":0.6954603466120634,"channel":1,"num_words":11,"start":3595.27,"end":3598.39},{"sentences":[{"text":"Oh,","start":3598.24,"end":3598.4,"sentiment":"positive","sentiment_score":0.5421751737594604}],"sentiment":"positive","sentiment_score":0.5421751737594604,"channel":0,"num_words":1,"start":3598.24,"end":3598.4},{"sentences":[{"text":"for","start":3598.39,"end":3598.55,"sentiment":"positive","sentiment_score":0.6381386518478394}],"sentiment":"positive","sentiment_score":0.6381386518478394,"channel":1,"num_words":1,"start":3598.39,"end":3598.55},{"sentences":[{"text":"you","start":3598.4,"end":3598.64,"sentiment":"positive","sentiment_score":0.5988427996635437}],"sentiment":"positive","sentiment_score":0.5988427996635437,"channel":0,"num_words":1,"start":3598.4,"end":3598.64},{"sentences":[{"text":"looking","start":3598.55,"end":3598.8699,"sentiment":"positive","sentiment_score":0.6747955679893494}],"sentiment":"positive","sentiment_score":0.6747955679893494,"channel":1,"num_words":1,"start":3598.55,"end":3598.8699},{"sentences":[{"text":"too.","start":3598.64,"end":3599.14,"sentiment":"positive","sentiment_score":0.3924570679664612}],"sentiment":"positive","sentiment_score":0.3924570679664612,"channel":0,"num_words":1,"start":3598.64,"end":3599.14},{"sentences":[{"text":"after","start":3598.8699,"end":3599.3699,"sentiment":"neutral","sentiment_score":0.1181003600358963}],"sentiment":"neutral","sentiment_score":0.1181003600358963,"channel":1,"num_words":1,"start":3598.8699,"end":3599.3699},{"sentences":[{"text":"Anytime, Yvonne.","start":3600.0798,"end":3601.2,"sentiment":"neutral","sentiment_score":0.2965676188468933},{"text":"Thank you so much.","start":3601.2,"end":3602.16,"sentiment":"positive","sentiment_score":0.8027000278234482},{"text":"Have a really great week.","start":3602.16,"end":3603.5198,"sentiment":"positive","sentiment_score":0.7930935263633728},{"text":"I'll talk to you soon.","start":3603.5198,"end":3604.8198,"sentiment":"positive","sentiment_score":0.46457127928733827}],"sentiment":"positive","sentiment_score":0.6307662110775709,"channel":0,"num_words":16,"start":3600.0798,"end":3604.8198},{"sentences":[{"text":"it.","start":3604.63,"end":3605.03,"sentiment":"neutral","sentiment_score":0.18550224602222443},{"text":"Okay.","start":3605.03,"end":3605.3499,"sentiment":"neutral","sentiment_score":0.2485954463481903},{"text":"Thanks, Dana.","start":3605.3499,"end":3606.23,"sentiment":"positive","sentiment_score":0.5456675887107849},{"text":"Bye bye.","start":3606.23,"end":3606.97,"sentiment":"positive","sentiment_score":0.3415035754442215}],"sentiment":"positive","sentiment_score":0.36807333678007126,"channel":1,"num_words":6,"start":3604.63,"end":3606.97},{"sentences":[{"text":"Thanks.","start":3606.64,"end":3607.14,"sentiment":"positive","sentiment_score":0.5977987051010132},{"text":"See you later.","start":3607.2,"end":3607.8398,"sentiment":"positive","sentiment_score":0.4700603385766347},{"text":"Bye.","start":3607.8398,"end":3608.3398,"sentiment":"neutral","sentiment_score":-0.07069839537143707}],"sentiment":"positive","sentiment_score":0.38745626509189607,"channel":0,"num_words":5,"start":3606.64,"end":3608.3398}]},"summary":{"result":"success","short":"During a meeting from OQ Financial, Yvonne and her partner discuss retirement plans and investment options, emphasizing the importance of saving money and monitoring market trends. They emphasize the importance of saving and maintaining a strong investment portfolio, and offer advice on managing investments. The speakers also discuss retirement projections and retirement goals for Yvonne and her partner, as well as the importance of age pension and sheltering money. They recommend staying within someone's comfort level and the benefits of refinancing a mortgage, including the benefits of putting money on a house to save money and the importance of insurance insecurity. The process of refinancing a mortgage is discussed, including the benefits of putting money on a house to save money and the importance of insurance insecurity. The customer expresses concern about the high cost of insurance and losing money due to flood, but the agent suggests a plan to rebuild a house and provides a report on their portfolio."},"intents":{"segments":[{"text":"I had your staff and Peter both booked in to go through your updated advice document. Is now still a good time for you? Yes. Great.","start_word":24,"end_word":49,"intents":[{"intent":"Get advice document","confidence_score":0.001286178}]},{"text":"I'm gonna send you an email. Is either of you or both of you able to jump into your emails and view Yep. the document at all? Yeah. On our phones.","start_word":54,"end_word":84,"intents":[{"intent":"Receive email","confidence_score":0.0007668961}]},{"text":"You both made mention that you were both looking to retire, hopefully, in the next ten years.","start_word":390,"end_word":406,"intents":[{"intent":"Confirm retirement plans","confidence_score":0.00880218}]},{"text":"I am making a recommendation to make a couple of changes.","start_word":648,"end_word":658,"intents":[{"intent":"Recommend changes","confidence_score":0.37538287}]},{"text":"I've done that for you, and this is essentially outlining that, and then we are working towards being able to retire.","start_word":685,"end_word":705,"intents":[{"intent":"Outlining retirement tracking","confidence_score":0.0022985912}]},{"text":"You guys mentioned in the next ten years, if anything changes, we can always look at this. But I wanted Yep. to, as part of this document, kind of show you where we're tracking for, not just for the projection table, but just sort of showing you where you might be tracking for in retirement, how long Susan might be expected to last with the draw downs and things like that.","start_word":706,"end_word":776,"intents":[{"intent":"Explaining retirement timeline","confidence_score":0.07015361},{"intent":"Discussing retirement timeline","confidence_score":0.03086434}]},{"text":"He sent me Hold on a minute, Donna. You're right. He sent me both of yours. Two of yours, not two of yours. He hasn't got one of his. He's got two emails and both of mine.","start_word":789,"end_word":825,"intents":[{"intent":"Explaining email communication","confidence_score":0.003089297}]},{"text":"So you both have been along Australian equities inside your inside your papers the last couple of years, and then along long term has been a great investment. But since January, it's actually been underperforming pretty significantly. So Yeah.","start_word":1105,"end_word":1143,"intents":[{"intent":"Identify weaknesses in investment recommendations","confidence_score":0.000026178786}]},{"text":"So we are keeping gold, but we are just rebalancing a little bit for you there, Peter. So you have about 7.58% now. I'm gonna sell down a little bit just to 7%. We're just cementing some of the gains that's received and making sure we distribute those elsewhere, keeping, you Yep. know, rebalancing your portfolio as well is really important.","start_word":1627,"end_word":1687,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.03704544}]},{"text":"Just need to rebalance up to 6% for you. The Yep.","start_word":1704,"end_word":1714,"intents":[{"intent":"Rebalance balance","confidence_score":0.0000581041}]},{"text":"And even if I email it to you and just see if Yes. it's all been paid, Yeah.","start_word":2044,"end_word":2061,"intents":[{"intent":"Request information on payment and transactions","confidence_score":0.0006859242}]},{"text":"Things have been very, very up and down within markets. I think March was probably the biggest drop that we've seen this year so far.","start_word":2487,"end_word":2511,"intents":[{"intent":"Evaluate market trends","confidence_score":0.06678494}]},{"text":"So we're rebalancing that, keeping in that one.","start_word":2729,"end_word":2736,"intents":[{"intent":"Rebalancing investment portfolio","confidence_score":0.018329324}]},{"text":"So you are always tracking the top 500 companies, and that Mhmm. way you're not in companies that are underperforming against the market and don't meet that criteria. Yes. Okay? Yep.","start_word":2867,"end_word":2897,"intents":[{"intent":"Tracking top 500 companies","confidence_score":0.60417867}]},{"text":"A bit more diversification with the Vanguard All World Index, excluding The US because we have the S and P 500 there, making sure Yep. that we're diversifying your portfolio because you guys are about ten years out, but you are closer to time at years. Diversification to help lower the risk of making sure we're hitting as many markets as we can Yep.","start_word":2900,"end_word":2963,"intents":[{"intent":"Diversifying portfolio","confidence_score":0.14759599}]},{"text":"And try to keep the investments a bit more passive, low cost so things are working for you, but you don't wanna be paying everything out in investment fees as well. So Yep.","start_word":2966,"end_word":2998,"intents":[{"intent":"Keeping investments passive","confidence_score":0.30253735},{"intent":"Keeping investments passive","confidence_score":0.40779415},{"intent":"Keeping investments passive","confidence_score":0.43272197},{"intent":"Keeping investments passive","confidence_score":0.44993776},{"intent":"Keeping investments passive","confidence_score":0.3234384}]},{"text":"The beta shares a 200, which is the top 200 companies on the ASX, and then we've got core composite bonds. These are defensive investments. The core composite bonds are government as well as banking bonds and company bonds.","start_word":3012,"end_word":3050,"intents":[{"intent":"Employing bond indexes","confidence_score":2.9469984e-7}]},{"text":"In order to make the changes, we do know that your super fund does a tax return like you do every year, and it does pay tax. So I did go back and calculate and look at the tax consequences for buying and selling the different investments, and that's in the different column here, the 02/1975.","start_word":3472,"end_word":3527,"intents":[{"intent":"Calculate tax consequences","confidence_score":0.7044101}]},{"text":"I didn't wanna do that. I wanna limit the amount of taxes you've gotta pay and things like that on your fund.","start_word":3617,"end_word":3638,"intents":[{"intent":"Limit tax","confidence_score":0.056895737}]},{"text":"So we can save you about a thousand and $35 on the investment fees I can't say for that. making Yeah.","start_word":3658,"end_word":3678,"intents":[{"intent":"Save money on investments","confidence_score":0.17312385}]},{"text":"portfolio, when we look at how it's performed over the past five years, it's averaged about 17.2 three two percent, and we can sort of see if the market performs the way it has over the last five years and it continues that way.","start_word":3748,"end_word":3791,"intents":[{"intent":"Monitor market performance","confidence_score":0.047957152}]},{"text":"Well, I did sort of look at that, and our interest rates have definitely changed since since we sort of last spoke. So I can relook at it again for you. At the moment, I've left it in super and tried to make it work, you know, with the portfolio as much as possible. Because your goal at the time was to kinda keep it working. You said you didn't wanna touch it for ten years.","start_word":4120,"end_word":4195,"intents":[{"intent":"Analyze portfolio goals","confidence_score":0.00058409024}]},{"text":"if you wanna if you want to, I can go back and have a look at the difference and see if, you know, it's better to put it on the house. Or if Yeah.","start_word":4199,"end_word":4232,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.0059830258}]},{"text":"We can also look at if you wanted me to, I can also look at contribution splitting. So when Peter sort of does go full time, I can look at even splitting some of his contributions into your super so you are getting contributions.","start_word":4563,"end_word":4606,"intents":[{"intent":"Discuss contribution splitting","confidence_score":0.28706512}]},{"text":"wondering how how much of a savings I would make on interest, paying interest. You know?","start_word":4788,"end_word":4803,"intents":[{"intent":"Calculate savings on interest rates","confidence_score":0.0014995885}]},{"text":"If you wanted to send me through an updated statement with your interest rate, I can have a look at it for you if you like and send you through a comparison. That's absolutely fine.","start_word":4813,"end_word":4847,"intents":[{"intent":"Provide interest rate comparison","confidence_score":0.009628819}]},{"text":"We're saving about $720 in investment fees, Yep. and the portfolio that you're in currently has averaged 6.07%, whereas this newer portfolio has averaged 12.97%. So, again, you may not get that. You might get a 5% return one year, Yep.","start_word":5002,"end_word":5042,"intents":[{"intent":"Calculate portfolio return","confidence_score":0.0061798114}]},{"text":"The money is still invested. And you can Yep. still pull it down if you do need, you know, additional funds here and there for bills or for, you know, something big or a holiday or something because you're not working and you're over 60. You have Yes.","start_word":5297,"end_word":5344,"intents":[{"intent":"Review investments and finances","confidence_score":0.00006542991}]},{"text":"look and give you a comparison email to show, you know, what paying this down could do and how it could how much interest you could expect to kinda save on putting this money towards your mortgage just to give you a comparison Yes.","start_word":5641,"end_word":5684,"intents":[{"intent":"Show comparison email","confidence_score":0.02736306}]},{"text":"So we're just gonna sell off some of your gold. You've got about 20% gold in there at the moment. It's a beautiful increase in your in your portfolio. So selling off some of that and just retaining 10,000 in there, gold is a really great growth investment, but the downside to gold is it doesn't pay any income. So you wanna make sure you're getting some income investments. Oh, And okay.","start_word":5731,"end_word":5802,"intents":[{"intent":"Sell gold","confidence_score":0.6603288},{"intent":"Retain income","confidence_score":0.20998685}]},{"text":"You've got about 20% gold in there at the moment. It's a beautiful increase in your in your portfolio. So selling off some of that and just retaining 10,000 in there, gold is a really great growth investment, but the downside to gold is it doesn't pay any income. So you wanna make sure you're getting some income investments. Oh, And okay.","start_word":5741,"end_word":5802,"intents":[{"intent":"Understand gold value","confidence_score":0.007925316}]},{"text":"So gold essentially goes on the price of gold, and we look at growth. So say if you bought a a couple of shares in gold or, you know, a bit of gold and you paid $20 per share in the gold price, Mhmm. and the next day, it went up to $50 per share. That essentially Yes.","start_word":5862,"end_word":5919,"intents":[{"intent":"Understand gold price difference","confidence_score":0.06669794}]},{"text":"So your S and P 500 and, say, your Vanguard fixed interest, Mhmm. those investments pay income, which is like dividends. So Okay.","start_word":6003,"end_word":6025,"intents":[{"intent":"Discuss investments and income","confidence_score":0.00092081144}]},{"text":"When I when I when I when I said yes to it, I did look it up to see if if he was it was my nephew, so I sort of believed him.","start_word":6359,"end_word":6391,"intents":[{"intent":"Introducing son","confidence_score":0.0006583926}]},{"text":"I said, oh, you you can only we're not rich, so you just do what you know you can afford to lose type of thing. Like, Abs you can absolutely. you you're not you're not Yeah.","start_word":6484,"end_word":6519,"intents":[{"intent":"Discussing financial situation","confidence_score":0.0023957738}]},{"text":"No. It's That's always exactly nice to whenever say yeah. Sorry.","start_word":6565,"end_word":6575,"intents":[{"intent":"Expressing dissatisfaction","confidence_score":0.014440186}]},{"text":"That's fantastic.","start_word":6605,"end_word":6606,"intents":[{"intent":"Expressing gratitude","confidence_score":0.38726693},{"intent":"Expressing gratitude","confidence_score":0.2197897}]},{"text":"That's fantastic. I mean, my kids have started investing in there. I mean, I've had a little investments outside of Super for my kids for the past couple of years, but they've started putting their own money in there.","start_word":6605,"end_word":6643,"intents":[{"intent":"Expressing willingness to invest","confidence_score":0.00057587255}]},{"text":"And they've got a bit of gold, a bit of, you know, the S and P 500, a bit of little bits of everything here, and they're building that up.","start_word":6645,"end_word":6674,"intents":[{"intent":"Evaluate wealth fluctuations","confidence_score":4.4181527e-7}]},{"text":"They're just living off their money in the bank, and I just and Yeah. and she did confide at me and tell me that it's 1 and a half million that they've got to be in the bank.","start_word":7000,"end_word":7037,"intents":[{"intent":"Clarify financial goals","confidence_score":0.007732586}]},{"text":"have you made any decisions? I just know Yeah.","start_word":7496,"end_word":7504,"intents":[{"intent":"Discuss financial decisions","confidence_score":0.035520524}]},{"text":"sure that you're invested in a comfort level, but also for the time horizon that you suit as well. So, yeah, there's definitely ways that we can look at that, and it's definitely different for everyone as well. Yeah.","start_word":7767,"end_word":7805,"intents":[{"intent":"Streamline investments","confidence_score":0.0050447197}]},{"text":"And you that do all have that quite all came a lot that there. all came from dividends. Is that right?","start_word":8065,"end_word":8085,"intents":[{"intent":"Explain investment decisions","confidence_score":0.002167784}]},{"text":"I'm aiming for I reckon I'm aiming for early eighties.","start_word":8551,"end_word":8560,"intents":[{"intent":"Calculate retirement goals","confidence_score":0.03492923}]},{"text":"The thing is is as you are speaking and saying this over and over again, I'm starting to think that it it will be it won't be ten years.","start_word":8779,"end_word":8807,"intents":[{"intent":"Discuss retirement age","confidence_score":0.17692849}]},{"text":"The thing is is as you are speaking and saying this over and over again, I'm starting to think that it it will be it won't be ten years. I really don't think I don't think Peter will I don't think Peter will last another ten years at work. No. That's okay.","start_word":8779,"end_word":8830,"intents":[{"intent":"Discuss retirement situation","confidence_score":0.011060757}]},{"text":"I'm thinking it was probably gonna be a bit less. Maybe maybe maybe not. He is only 58. So if he ten years of making 68.","start_word":8845,"end_word":8870,"intents":[{"intent":"Estimate retirement age","confidence_score":0.049662262}]},{"text":"And that's kind of where I've I've put that retirement calculator was working on Peter's ten year time horizon, Yeah.","start_word":8875,"end_word":8894,"intents":[{"intent":"Provide retirement calculator","confidence_score":0.006371108},{"intent":"Describe retirement horizon","confidence_score":0.0001779192}]},{"text":"I mean, you guys are eligible for age pension at 67. So, Yeah.","start_word":8904,"end_word":8916,"intents":[{"intent":"Discuss retirement eligibility","confidence_score":0.014359008},{"intent":"Inquire about age retirement","confidence_score":0.000100408855}]},{"text":"it'll be grandfathered because anyone on and you sort of see when they made those changes to the age pension, they did grandfather it. So anywhere before 1961, there was kind of that change where people who were in their fifties were eligible for accessing Centrelink due to the year they were born. Yes.","start_word":8963,"end_word":9016,"intents":[{"intent":"Mention grandparents amendment","confidence_score":3.9480174e-8}]},{"text":"So she said, I'm hoping I'm hoping I can seek it for another two years, you know, at work. Yes.","start_word":9225,"end_word":9244,"intents":[{"intent":"Find a job","confidence_score":0.00033776186}]},{"text":"I thought I would not be eligible while Peter no. It depends was still on what working. he is Not earning.","start_word":9569,"end_word":9589,"intents":[{"intent":"Discuss retirement eligibility and benefits","confidence_score":0.00013148878}]},{"text":"so that it's either not assessable or the accessibility by Centrelink is lowered because of the Mhmm. asset it is.","start_word":9689,"end_word":9708,"intents":[{"intent":"Evaluate the impact of yep's asset allocation","confidence_score":0.000012606668}]},{"text":"so that it's either not assessable or the accessibility by Centrelink is lowered because of the Mhmm. asset it is. Yep.","start_word":9689,"end_word":9709,"intents":[{"intent":"Evaluate eligibility and accessibility for retirement","confidence_score":0.00013031563}]},{"text":"I do have a little section at the bottom there just recommending that you still review your existing will. Retaining the insurances that you have at the moment, your your Peter's life and CBD and your life cover with real, just because you're still comfortable with the level of cover, but we'll keep reviewing those down the track as well.","start_word":10025,"end_word":10084,"intents":[{"intent":"Recommend reviewing insurance","confidence_score":0.103690036}]},{"text":"the other reason I kind of kept your super where it was was one of the other goals down the track was that you were wanting to maybe sell the property. So is that still something you're looking to do medium term, maybe sell the house and buy something Later smaller on. or It yeah.","start_word":10153,"end_word":10207,"intents":[{"intent":"Recommend considering selling the house","confidence_score":0.013321625}]},{"text":"I guess the reason why we were able to refinance was is because they did ask us the question. Well, my finance broker who I went through to get a loan, he Yeah. he said I've put it to them that Peter's gonna work another ten years. And, you know, when you're refinancing a loan at the age of 60 for Mhmm.","start_word":10483,"end_word":10544,"intents":[{"intent":"Refinance loan","confidence_score":0.26558518}]},{"text":"so so Troy sort of said, you know, it's it's what I'm putting towards them is that when you retire, you will sell, and you will Yes. pay off the loan, and you'll purchase something smaller.","start_word":10561,"end_word":10596,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.124624975}]},{"text":"would have to be worth something. Like, you Yeah. know, like, we wanna lessen the amount that we had it insured for. So, surely, we if we were to sell it oh, I don't think we'd get 1.7 to even sell, to be honest.","start_word":11023,"end_word":11066,"intents":[{"intent":"Negotiate price","confidence_score":0.016734129}]},{"text":"But I well, I started thinking about it and just put it to our broker, our insurance broker, and I said, look. To rebuild, we don't have to have a 500 square meter under roof house. We don't have to.","start_word":11253,"end_word":11292,"intents":[{"intent":"Inquire about insurance company's decision","confidence_score":0.0006640534}]},{"text":"To rebuild, we don't have to have a 500 square meter under roof house.","start_word":11275,"end_word":11288,"intents":[{"intent":"Rebuild house","confidence_score":0.04398395}]},{"text":"I mean, when I've changed insurance, I've never had to give them any of the Yeah. documents.","start_word":11582,"end_word":11598,"intents":[{"intent":"Obtain documents","confidence_score":0.0027000608}]}]},"sentiments":{"segments":[{"text":"Hello. This is Yvonne. Hi, Yvonne. This is Dana from OQ Financial. How are you?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.13988164067268372},{"text":"I'm good.","start_word":15,"end_word":16,"sentiment":"positive","sentiment_score":0.4526492059230805},{"text":"And yourself?","start_word":17,"end_word":18,"sentiment":"neutral","sentiment_score":0.3169945180416107},{"text":"I'm very well. Thank you.","start_word":19,"end_word":23,"sentiment":"positive","sentiment_score":0.6403020024299622},{"text":"I had your staff and Peter both booked in to go through your updated advice document. Is now still a good time for you? Yes.","start_word":24,"end_word":48,"sentiment":"neutral","sentiment_score":0.2917667031288147},{"text":"Great.","start_word":49,"end_word":49,"sentiment":"positive","sentiment_score":0.45328083634376526},{"text":"Yep. Yep.","start_word":50,"end_word":51,"sentiment":"neutral","sentiment_score":0.21912461519241333},{"text":"Beautiful. Beautiful.","start_word":52,"end_word":53,"sentiment":"positive","sentiment_score":0.5271215438842773},{"text":"I'm gonna send you an email. Is either of you or both of you able to jump into your emails and view Yep. the document at all? Yeah. On our phones. Is that alright? Yeah. Yep. That's absolutely fine. Not a problem at all. All good. And is Peter there with you as well? Yes. He is. Yeah. He's here.","start_word":54,"end_word":113,"sentiment":"neutral","sentiment_score":0.13389018177986145},{"text":"Beautiful. Beautiful. Excellent.","start_word":114,"end_word":116,"sentiment":"positive","sentiment_score":0.487560510635376},{"text":"How have you both been? How's your day going? Yeah. Not too bad. Let me just yell at this cockatoo. Hold on a minute. You're right. Shut up. Stop it. That'll last thirty seconds. He wants to get out. Oh, it's is one of your pet, is it? Yeah. Cockatoo. Yeah.","start_word":117,"end_word":167,"sentiment":"neutral","sentiment_score":-0.0282434094697237},{"text":"It drives us nuts.","start_word":168,"end_word":171,"sentiment":"negative","sentiment_score":-0.40560588240623474},{"text":"I bet. I bet. Okay. We're right. Yep. There you All go. good. Down in Charlotte. Yep. I got that. Got that one. Beautiful. Beautiful. Now before I jump in and go through this with you, just to let you know, we do record our calls for quality and training purposes. Are you both happy for me to proceed with that? Yeah. That's fine. Yep. Lovely. And just to do security, just the phone of you is fine. If I just get you, Yvonne, just to confirm your date of birth and address for me? 1964. 30 Green Avenue, Yep. Glenley 4711. Oh, beautiful.","start_word":172,"end_word":275,"sentiment":"neutral","sentiment_score":0.06359849125146866},{"text":"Thank you so much for that.","start_word":276,"end_word":281,"sentiment":"positive","sentiment_score":0.4632625579833984},{"text":"Mhmm. So with regards to the advice there, as you open it up, the first page does let you know, has been prepared for both of yourselves as sorry. By myself and my lovely team here, my authorized representative number is 1304394. Yes. All advice that we're going through is provided under the best interest duty there, essentially, with this advice document. We did the annual review last year, and I apologize for taking a little bit long to get this one out to you. But we were just looking at making sure that you were on track, looking at, you know, where you were going retirement wise. You both made mention that you were both looking to retire, hopefully, in the next ten years. And, Katie, you're back at work now. You've got a new job. Yeah. Yeah.","start_word":282,"end_word":420,"sentiment":"neutral","sentiment_score":0.037822641753893105},{"text":"Yeah. Fantastic.","start_word":421,"end_word":422,"sentiment":"positive","sentiment_score":0.5278483033180237},{"text":"Michelle made mention that you off the twenty one days, you'll be working for this stint. Yeah. Twenty one days Wow. and all for seven. Yeah. Yeah. Three Wow. on three That's on, a, one off. yeah, It's that's a up long in the Northern stint, isn't Territory, it? so they can't afford to come back and forth, I suppose. No. Absolutely. Hey. Listen. I didn't get anything through on my email, so I don't know. I got yours, but Oh, you've got mine. That's okay. The email I had for both of you was the same email address. I've got peter.wooderson1@bigpond.com down Trying to for do both it with Ned of you and Micron. on file. So it's gone through Yeah. to the same email. Okay. That's alright. Yep. We'll just do it on his phone. That's okay. Yeah. That's okay. When you go into the email inbox, there'll be two Alright. individual Sign invitations. that, Ethan. That's yours. I'm listening to Dana Love. Yeah. I know. So she's telling me. Go into there and sign it. Sign that.","start_word":423,"end_word":602,"sentiment":"neutral","sentiment_score":0.041736900806427},{"text":"It's all good, honestly. It's so good to talk to you both again.","start_word":603,"end_word":615,"sentiment":"positive","sentiment_score":0.6971856355667114},{"text":"I've missed having a little chat. So what I did was I went back after the review last year. We had a bit of a look at everything with you, Super. I am making a recommendation to make a couple of changes. This year, especially, we have seen some changes in the market conditions. So it did mean that we wanted to update some of your investment options. Yep. I've done that for you, and this is essentially outlining that, and then we are working towards being able to retire. You guys mentioned in the next ten years, if anything changes, we can always look at this. But I wanted Yep. to, as part of this document, kind of show you where we're tracking for, not just for the projection table, but just sort of showing you where you might be tracking for in retirement, how long Susan might be expected to last with the draw downs and things like that. So I put a little bit more into this for you. Okay? He sent me Hold on a minute, Donna. You're right. He sent me both of yours. Two of yours, not two of yours. He hasn't got one of his. He's got two emails and both of mine. Oh, it doesn't matter. He's got it. It's okay. One of them should be for one should say Peter, one should say Yvonne. I'm both on the same thing, ma'am. On the same email. Yeah. Because on file, the last time we updated the details, you just wanted needed to use the same email address. So we have the same email address on file, so that's Yeah. I okay. don't I don't get I don't get his emails anymore. I would like to, Oh, but that's they okay. won't come through on my new phone. I Oh, that's can't set it up. Yeah. I don't know how to do it. He doesn't email would if we could get around it, it'd be great.","start_word":616,"end_word":948,"sentiment":"neutral","sentiment_score":0.0409236926216263},{"text":"When the technology can be a pain when it don't work.","start_word":949,"end_word":959,"sentiment":"negative","sentiment_score":-0.4285703897476196},{"text":"Yeah. No. That's honestly okay. It's not a problem at all. To make this a bit easier, there is quite a lot of pages Mhmm. there, but I'll just sort of make it a bit easier for you both. If I can get you to go down to page number 20 for me, I'll just Yep.","start_word":960,"end_word":1015,"sentiment":"neutral","sentiment_score":0.14844780175813607},{"text":"take you through what these recommendations are, and then I'll show you why I've made them this way for you. Perfect.","start_word":1016,"end_word":1036,"sentiment":"positive","sentiment_score":0.36672812700271606},{"text":"Now, Peter, you are still a high growth investor, so we're still looking at the high growth portfolio for yourself there. But as I kinda made mention, I've had a bit of a look at your investments, done a bit of looking around and seeing how things are structured for you, and I am Yep. making a bit of a recommendation that we make a change to these. So you both have been along Australian equities inside your inside your papers the last couple of years, and then along long term has been a great investment. But since January, it's actually been underperforming pretty significantly. So Yeah. I noticed we went that. Yeah. so we went back and we spoke to Servi and Bart and sort of said, look.","start_word":1037,"end_word":1165,"sentiment":"neutral","sentiment_score":0.09018747508525848},{"text":"This isn't working. We need to find something else.","start_word":1166,"end_word":1174,"sentiment":"negative","sentiment_score":-0.38175830245018005},{"text":"So we've done a bit of research around what to alter and to how to move that investment. So we're gonna sell that for both of your portfolios, and we're moving the funds out of Benelong Australian equities and into the a 200, which is the second one from the bottom there, the BetaShares Australian 200. Now Yeah. this investment yeah. Sorry. How do I get to that again, ma'am? Page 20. You're the best to be Page on. 20. Sorry. You're right. Tell me if Hang I need and it goes slower for you, Peter. on. Hang on. 20. Yep. Page 20. Yeah. Yeah. That's the one. Yeah. So we're gonna sell all of the Bannalong Australian equities. Now Bannalong is a managed fund, and the reason it was in everyone's portfolios back in the day was that it was more of an actively managed component. So the investment committee of that managed fund are supposed to be buying and selling and trying to outperform against the market. And as everyone sort of noticed, they have not been. We flagged it Yep. as soon as we started this year, and we're like, we have to get this out. So we've been going to doing advice to everyone to try and alter the portfolio, but making sure we're investigating what's important to you guys as per your goals. Yeah. I stayed by the longest more than 64,000. Yeah. So this is actually selling it. So this says that you've got $64,007.46 in that Bennelong Equities investment, and we're gonna sell all of that, Yep. sell it all down. Bennelong normally has about 25 to 30 different investments in it. So by moving the money into the beta shares Australian 200, you're actually tracking the top 200 companies in Australia. And because Benelong Yep.","start_word":1175,"end_word":1477,"sentiment":"neutral","sentiment_score":0.06213140225794056},{"text":"only has between 20 to 30 different investments at any one particular time, moving into the a 200 gives you more diversification in your portfolio. So it's helping to lower the overall risk. We're diversifying across more Australian equities as well, and it's actually cheaper. It's a passively managed fund, and it's actually cheaper than holding Benelon. So it's gonna help in reducing your investment costs as well in your in Yes.","start_word":1478,"end_word":1549,"sentiment":"positive","sentiment_score":0.4828735589981079},{"text":"your fund. Yes. Yeah. I did look at all the super funds. Netwealth is still really important to retain for the both of you for the time being. I did I do look at the tax consequences of moving out.","start_word":1550,"end_word":1589,"sentiment":"neutral","sentiment_score":0.0908895954489708},{"text":"Netwealth is still a great platform.","start_word":1590,"end_word":1595,"sentiment":"positive","sentiment_score":0.3975231647491455},{"text":"There's no real changes in the platform that require us to move you out at the moment, so I'm retaining Netwealth. Yeah. The other investments, gold has performed really, really well. So we are keeping gold, but we are just rebalancing a little bit for you there, Peter. So you have about 7.58% now. I'm gonna sell down a little bit just to 7%. We're just cementing some of the gains that's received and making sure we distribute those elsewhere, keeping, you Yep. know, rebalancing your portfolio as well is really important. The BetaShares cybersecurity, we're gonna buy a bit more of that. You've got 5.51 now. Just need to rebalance up to 6% for you.","start_word":1596,"end_word":1711,"sentiment":"neutral","sentiment_score":0.11556004369952556},{"text":"The Yep. iShares Europe is still a great place to be giving you diversification across the entire European all the European countries there.","start_word":1712,"end_word":1734,"sentiment":"positive","sentiment_score":0.5912268757820129},{"text":"There's about 16 Yep. of them, I believe. You're underweighted there, so that's gonna increase that to 9% for you. We've also got here the the Misky Europe one. We're gonna get rid of that completely. Yep. We're gonna sell all of that down to zero. And then the Japanese one, we're going to just sell a bit down to bring you back to 5% Yeah. there. Japan is still really important.","start_word":1735,"end_word":1806,"sentiment":"neutral","sentiment_score":0.046359386295080185},{"text":"I think It's been really great.","start_word":1807,"end_word":1812,"sentiment":"positive","sentiment_score":0.36898890137672424},{"text":"Yeah. I think it's already gone. Yeah. It's got a dim red, Yeah. but it's all So solved. that Yeah. yeah. Well, these haven't been sold yet. This is what we're going to do if you sign the advice. Alright. So we haven't quite Yep. done that as of yet. Yeah. I I promise never to sell anything until you tell me it's okay to do so. Yeah. Because I kept looking at me net me so far and thinking, I could never retire off this. Yeah. No. No. We needed But anyway to make some changes, and I wanted to make sure this happened for you. So when we came back and saw what was going on, I wanted to make sure we updated this advice for you Yeah. and show you what you know, make sure that things are working harder for you moving forward as well. Yeah. So if I if I figure out what I should have been paid in super off of my employers, Mhmm. Are you able to have a look to see if it has been all been paid? Yeah. Yeah. Absolutely. Yep. Definitely. Yeah. Because I've I've I've every time I go on a Netwealth, I can't see it all being paid. Okay. So Interesting. over the last year, I'm gonna go through it, and I'll I'll do Mhmm. up a list. And even if I email it to you and just see if Yes. it's all been paid, Yeah.","start_word":1813,"end_word":2060,"sentiment":"neutral","sentiment_score":-0.01628547717606829},{"text":"Absolutely. because I've got I've still got I've still got every time sheet.","start_word":2061,"end_word":2073,"sentiment":"positive","sentiment_score":0.3953939378261566},{"text":"So Yep.","start_word":2074,"end_word":2075,"sentiment":"neutral","sentiment_score":0.31990110874176025},{"text":"Perfect.","start_word":2076,"end_word":2076,"sentiment":"positive","sentiment_score":0.6611884832382202},{"text":"Yeah. If you can let me know how much you should have been paid, I can go through and have a look at all the transactions from the day we opened Netwealth, and I can yep. let you know what you what you've gotten, what you might be missing, and Yeah. kinda marry it all up for you. Absolutely. Yeah. Yeah. No. That's alright. Yeah. Yeah.","start_word":2077,"end_word":2142,"sentiment":"neutral","sentiment_score":0.1673625111579895},{"text":"Perfect. Because because All out good.","start_word":2143,"end_word":2148,"sentiment":"positive","sentiment_score":0.39313533902168274},{"text":"of all the the twelve months, I kept watching me super go down. And I thought, how could that be when Because it's been the market. Yeah. It's Yes. yeah. No. I know. But then I think, well, a thousand dollars got paid this week this this week. So how can I go down that much? Because it's a market. Yeah. It is the market. I understand It is. that. But When Yeah. the war Yeah. when the war broke out. Yeah. Alright. We can bank transfer that one. Oh, no. No. Yep. Yeah. Mister No. freaking It Trump, and he's it right has been our deal. yeah, no. It has been very, very up and down. It's a little bit scary that one man has can do so little and or make one tweet and most and people start to sell and freak out about what's happening in the markets Yeah. there. Terrible. So it's What a what little got bit me, scary. Diana, was the day before the war started, no one even knew the war gonna start. His son bought No. 30,000,000 shares in oil. Yes. I know. We saw that. We were like, woah. That was a clever move. Jeez. Yeah. But I reckon he was tipped off. Of course. He was tipped Oh, absolutely. off. There's another thing I've noticed as well because I've been doing a lot of research for clients around the oil side of things. But when you look at, like, where a lot of the ships are coming from at the moment, a lot of them are coming from The US. Yeah. So it's kind of a little bit clever. It's annoying, but very clever that, you know, this has happened, and where do we have to go to buy oil? Yeah. The US. Yeah. Of course. He's created he's created a fantastic market for for the Correct. mall over there. Just ridiculous. Correct. Yep. Yep. So we'll have to wait and see what happens. But, yeah, no. Look. Things have been very, very up and down within markets. I think March was probably the biggest drop that we've seen this year so far. But we have Yep. also seen some sort of recovery from it as well. So we thought while the market is moving the way it is at the moment, let's take advantage of that. We'll do, you know, the investment switches for you guys now. That way, you know, where the gains that have been made from some of the investments will be redistributing those across. And then while the market is seeing some downtime, we're buying into some of those investments at a discounted rate. So we can take Yep. a bit of an advantage of those downtimes, and then just keep monitoring things moving forward and let you know when we need to make updates and changes for you both as well. Yep. Okay? Mhmm. Mhmm. All good. But I can safely tell you I have been watching it very, very closely. And if there was anything really scary I think we needed to get out of the market, I'd definitely let you guys know. But right now, it's the biggest dips haven't been massive. They're being maybe three, four, 5%, so nothing really, really scary Yeah. as of Mhmm. yet. So yeah. All good. But with this one here, Peter, the only other changes are you've got some s and p Yep. 500. So we're rebalancing that, keeping in that one. I know it is a US investment, and there are some people who are a bit skeptical about The US investments, but it is still a great place to be.","start_word":2149,"end_word":2765,"sentiment":"neutral","sentiment_score":0.0020944475523849747},{"text":"And especially with what Trump is doing now, it's benefiting The US, so it's still good to be invested in that.","start_word":2766,"end_word":2786,"sentiment":"positive","sentiment_score":0.4977605640888214},{"text":"The thing I like Yep. about the S and P 500 is that it is the top 500 companies in The US, and it tracks the S and P 500 index. The investment committee for the index actually do meet every quarter, and they essentially assess the companies in the index. So if a company isn't doesn't meet the criteria to be in the top 500, they And are they're removed out. out, and others are put in their place. So you are always tracking the top 500 companies, and that Mhmm. way you're not in companies that are underperforming against the market and don't meet that criteria. Yes. Okay? Yep. Yep. Yeah. A bit more diversification with the Vanguard All World Index, excluding The US because we have the S and P 500 there, making sure Yep. that we're diversifying your portfolio because you guys are about ten years out, but you are closer to time at years. Diversification to help lower the risk of making sure we're hitting as many markets as we can Yep. for you. And try to keep the investments a bit more passive, low cost so things are working for you, but you don't wanna be paying everything out in investment fees as well. So Yep.","start_word":2787,"end_word":2998,"sentiment":"neutral","sentiment_score":0.1037350967526436},{"text":"this is a really good portfolio for getting closer to those retirement years.","start_word":2999,"end_word":3011,"sentiment":"positive","sentiment_score":0.407471626996994},{"text":"The beta shares a 200, which is the top 200 companies on the ASX, and then we've got core composite bonds. These are defensive investments. The core composite bonds are government as well as banking bonds and company bonds. Inside this investment, we also have things like credit notes, and it's not just Australian bonds. It's also worldwide as well. So it's giving you Yeah.","start_word":3012,"end_word":3076,"sentiment":"neutral","sentiment_score":0.1968824565410614},{"text":"diversification, low risk, and these sorts of investments pay out dividends on a monthly basis so they can help with the income producing in your portfolio as well.","start_word":3077,"end_word":3104,"sentiment":"positive","sentiment_score":0.394414335489273},{"text":"Okay. Yeah.","start_word":3105,"end_word":3106,"sentiment":"neutral","sentiment_score":0.09918973594903946},{"text":"So what Excellent. is on a a core competent comp composite bond, Yeah.","start_word":3107,"end_word":3119,"sentiment":"positive","sentiment_score":0.3986633121967316},{"text":"it's got an oh, you've got shares already in that, have you? No. You've at the moment, the current waiting is zero, so you don't have that as of yet. Oh, yeah. We're gonna, Yep. yeah, we're adding that in for you. Yeah. Yeah. Right. Yeah. I see all Yep. that. Yeah. I see that Yeah. it everything in green, you're buying, and everything in red, you're selling.","start_word":3120,"end_word":3187,"sentiment":"neutral","sentiment_score":0.07707144320011139},{"text":"Absolutely.","start_word":3188,"end_word":3188,"sentiment":"positive","sentiment_score":0.4083517789840698},{"text":"Yeah. And at the moment, I did notice with your portfolio, you do have a little bit more in cash than what we'd like. At the moment, your cash balance if you go down to the next page, you have about 20,000 in cash. So a lot more in cash than we would wanna keep. Cash doesn't really do anything. So we're gonna invest a bit more in the rest of the portfolio and Yep. remove about 17,000 in cash, distribute that across the portfolio. So you should only have a target weight of about 2,710 in cash Yeah. after the changes are being made. Yeah. The if you get under page 23, this is essentially showing you the changes and how that'll affect your super. The first column has your current scenario. So you've got your current balance there, the fees that you're paying, your contributions based on your current wage, and we know that with your job at the moment that you you're casual now. You'll go to part or full time down the track, and your wage will probably drop a little bit. So this Yep. is based Yep. on your current expected contributions. In the appendix, I've also done a secondary one of these, which shows if your wage was around, say, 90,000 on a yearly basis and the contributions were lower, what the difference might be.","start_word":3189,"end_word":3419,"sentiment":"neutral","sentiment_score":0.0323963426053524},{"text":"But it still puts you in a really good position, and we can, you know, always meet up in the next six months and sort of see what's changing and reevaluate where things are tracking.","start_word":3420,"end_word":3454,"sentiment":"positive","sentiment_score":0.4417557716369629},{"text":"But this is just using a conservative contribution rate based on your current income. Okay? Okay. Yep. In order to make the changes, we do know that your super fund does a tax return like you do every year, and it does pay tax. So I did go back and calculate and look at the tax consequences for buying and selling the different investments, and that's in the different column here, the 02/1975. So in order to make the changes, the capital gains tax your super fund will account for is about $275 there. Yep. Okay? Yep. So only a small capital gains, which is good. And we're not moving at a net wealth. There's no sort of point to change that in net wealth. I did look at other funds to see if there's anything that was gonna be cheaper or better, but we'd have to sell the entire portfolio down, which would end up in a larger capital gains consequence. I didn't wanna do that. I wanna limit the amount of taxes you've gotta pay and things like that on your fund. Yep. So keeping you in net wealth, but making the changes, you can see the investment fee drops drastically. So we can save you about a thousand and $35 on the investment fees I can't say for that. making Yeah. the change, yeah, which is really good because, you know, we don't really be paying lots of fees for the investment.","start_word":3455,"end_word":3699,"sentiment":"neutral","sentiment_score":0.0787821039557457},{"text":"We wanna save you as much money as possible.","start_word":3700,"end_word":3708,"sentiment":"positive","sentiment_score":0.41543740034103394},{"text":"Okay? Yep.","start_word":3709,"end_word":3710,"sentiment":"neutral","sentiment_score":0.2737128436565399},{"text":"Excellent.","start_word":3711,"end_word":3711,"sentiment":"positive","sentiment_score":0.5272336602210999},{"text":"With we do expect, obviously, growth the the growth at the bottom there is higher. So with your current portfolio, the five year rolling average has averaged about 8.32% on a yearly basis. This newer Yep. portfolio, when we look at how it's performed over the past five years, it's averaged about 17.2 three two percent, and we can sort of see if the market performs the way it has over the last five years and it continues that way. On the next page, you'll see the projection forward of where you could end up over the next five or ten years depending on what Alright. happens in the market. So I never never gonna guarantee you'll get 17% every year. However, if the market was able to generate that over the next five to ten years, this is essentially where you could see your balance ending up. Okay? Yes. No.","start_word":3712,"end_word":3862,"sentiment":"neutral","sentiment_score":0.1668305937817555},{"text":"Beautiful. That's okay. Yeah. And we'll just keep making sure we do our reviews every year with you, see how things are going, and make sure you're sort of looking forward and on track there.","start_word":3863,"end_word":3897,"sentiment":"positive","sentiment_score":0.4400961697101593},{"text":"Okay? Yep. Not a problem.","start_word":3898,"end_word":3902,"sentiment":"neutral","sentiment_score":0.2025800198316574},{"text":"Beautiful.","start_word":3903,"end_word":3903,"sentiment":"positive","sentiment_score":0.40183496475219727},{"text":"I do obviously have in there the advantages, disadvantages, the risks involved. The advantages of this portfolio is definitely a lot cheaper for you, has performed much greater there. The disadvantages are that you've got the CGT consequences. There's also no guarantees market will markets will react the way they have in the past, but Yep. we certainly do hope so.","start_word":3904,"end_word":3964,"sentiment":"neutral","sentiment_score":-0.018471095710992813},{"text":"And this portfolio has shown over the past, you know, three to five to ten years that it's had a much greater track record. So we Yep. utilize that data to project forward knowing that this is what it could do in the future if it acted the same way it has in the past.","start_word":3965,"end_word":4019,"sentiment":"positive","sentiment_score":0.4237457513809204},{"text":"Oh, Okay? okay. Yep. Yeah. Yep. Yvonne, with your portfolio, you're in a growth portfolio, so you're a little bit lower risk on things than where Peter is. He's in that high Mhmm. growth environment. And on page number 30 is essentially the changes we'll make to yours. Okay. He's just getting it up on his phone. That's okay. You're fine. Before before we start though, I I Yeah. because mine's not probably gonna grow because I'm not working anymore, Mhmm. I I can't help but wonder whether I would make more money by putting it all on my house. Well, I did sort of look at that, and our interest rates have definitely changed since since we sort of last spoke. So I can relook at it again for you. At the moment, I've left it in super and tried to make it work, you know, with the portfolio as much as possible. Because your goal at the time was to kinda keep it working. You said you didn't wanna touch it for ten years. Yes. But Yes. if you wanna if you want to, I can go back and have a look at the difference and see if, you know, it's better to put it on the house. Or if Yeah. at any point you decide you don't wanna keep it in super and you just wanna pay off your home loan or pay your home loan down, you can let me know, and we can absolutely take it all out.","start_word":4020,"end_word":4272,"sentiment":"neutral","sentiment_score":0.06467227249041847},{"text":"It's not a problem.","start_word":4273,"end_word":4276,"sentiment":"positive","sentiment_score":0.35504254698753357},{"text":"Do It do just I comes have to down pay to what do your I preference is. does cap does what did you just say to Peter? Capital gains come into it when you're just getting it out for retirement purposes? Like, do you still It pay it cap does. it does. Yeah. Yeah. Right. You don't, but your super fund does. Oh, So okay. Yep. Yep. if we Yep. were to, I could absolutely have a look at what the total capital gains were, and Yep. your fund just essentially holds that money back, and you just get the difference out. So if that's something you wanted me to look at, I absolutely can. Out. So if Yeah. that's something you wanted me to look at, I absolutely can. I know since we last sort of caught up, interest rates have gone up and down Okay. and Well, I'm sideways not gonna have and any I'm not gonna yeah.","start_word":4277,"end_word":4436,"sentiment":"neutral","sentiment_score":0.0632571429014206},{"text":"have much growth because I'm not contributing.","start_word":4437,"end_word":4443,"sentiment":"negative","sentiment_score":-0.3603931069374085},{"text":"You know what I mean? And, like, I I don't know.","start_word":4444,"end_word":4454,"sentiment":"neutral","sentiment_score":-0.27756714820861816},{"text":"I'm I would have to it would take me a lot more than what it would take you to figure out what what was worthwhile and what wasn't.","start_word":4455,"end_word":4482,"sentiment":"negative","sentiment_score":-0.3676795363426209},{"text":"You know? Like, with the small amount that I've got in super, and you Yeah. were saying to Peter that it could be 17% at its best, Is Mhmm. that is that what you could I could possibly increase my super buy without You con are contributions? Oh, his yeah. And mine look would be different. Yeah. yeah. It would be different. We've seen a contributions going in, it does make a bit more of a difference. Yeah. Yep. We can also look at if you wanted me to, I can also look at contribution splitting. So when Peter sort of does go full time, I can look at even splitting some of his contributions into your super so you are getting contributions. We can But also what do but what but what other does that get what does that get us really? Like, wouldn't it be better yeah. off just staying in in his super and being a larger super that we can't get our greedy little hands on? Yeah. It normally does work out much better that way. It also Yeah. just I comes reckon. down to what your preference is. I I don't really But need to see yours mine growing and his being less. You know what I mean? It's I just yeah. know that I can get at mine. I'm able to Yeah. get at mine, and would it be better sitting on our our house loan our house loan is almost to 300,000, but that's with money sitting on it. I I already have Yeah. 80,000 sitting on it. Yes. So I would be essentially putting another 110 on it if I was to get it all out of super. So Yeah. it would, you know, would take take it down to about 200,000. And I was just Yep. wondering how how much of a savings I would make on interest, paying interest. You know? I don't know. I just Yeah. That's that's okay. If you wanted to send me through an updated statement with your interest rate, I can have a look at it for you if you like and send you through a comparison.","start_word":4483,"end_word":4844,"sentiment":"neutral","sentiment_score":0.04185177087886722},{"text":"That's absolutely fine.","start_word":4845,"end_word":4847,"sentiment":"positive","sentiment_score":0.4904831349849701},{"text":"yep. With with the, I mean, with the portfolios, the interest the sorry. The rate of return that you've got in here is showing you the average over the past three to five years. But Yep. these portfolios can see rates of return of five, ten, 20%.","start_word":4848,"end_word":4894,"sentiment":"neutral","sentiment_score":0.1651192456483841},{"text":"And with a Yes. balance of a 110,000, even having a three or a 5% return can make a bit of a difference, especially when it is compounded. So you could see this grow pretty significantly.","start_word":4895,"end_word":4930,"sentiment":"positive","sentiment_score":0.4287399053573608},{"text":"To make it easier, if you just scroll down for me to page 33, I'll actually show you the projection before I Yep. go through the changes because Okay. I'm on the yep. yeah. So you'll see you've got your current balance at the moment, which is $112,003.08 5. If I'm making Mhmm. the changes, I'll take you back to this in a moment. The CDT expected is $2.69, for $269.","start_word":4931,"end_word":5001,"sentiment":"neutral","sentiment_score":0.06108718365430832},{"text":"We're saving about $720 in investment fees, Yep.","start_word":5002,"end_word":5009,"sentiment":"positive","sentiment_score":0.4047445058822632},{"text":"and the portfolio that you're in currently has averaged 6.07%, whereas this newer portfolio has averaged 12.97%. So, again, you may not get that. You might get a 5% return one year, Yep. a 10 Yep. percent return Yep. the next year.","start_word":5010,"end_word":5051,"sentiment":"neutral","sentiment_score":0.2247999757528305},{"text":"You might get a 15 or 20% return the following year, and it's absolutely Yep.","start_word":5052,"end_word":5066,"sentiment":"positive","sentiment_score":0.47634801268577576},{"text":"possible even without contributions going in. Because Mhmm.","start_word":5067,"end_word":5074,"sentiment":"neutral","sentiment_score":0.08558779954910278},{"text":"the one good thing about these is that all of these investments do also pay, except for gold, they do pay dividends.","start_word":5075,"end_word":5096,"sentiment":"positive","sentiment_score":0.37128889560699463},{"text":"So we've got dividends with the fixed interest and the the comp the bonds. We're also getting coupon payments with interest payments being paid out, and these Mhmm. are Yes. going into your cash account. So your funds are still paying income to you. That gets paid to your cash account, and that's it then gets reinvested back into your portfolio. And Yes. that does help with the compounding effect. So it's not to say it definitely won't grow. If there was any chance I saw it starting to go backwards, I would absolutely say pull it out.","start_word":5097,"end_word":5194,"sentiment":"neutral","sentiment_score":0.12306714802980424},{"text":"It is not worth doing so.","start_word":5195,"end_word":5200,"sentiment":"negative","sentiment_score":-0.5788248181343079},{"text":"Yep. Yep. But having a look at this at the moment with the way the markets are reacting, the the kind of growth we can expect and see, there's a chance that you could go over the next five years have either a 167,000, or if the market Mhmm. still performed, if you are able to get a 12.97% return even with no contributions, you could end up in ten years with about 250,000 in there. So it's definitely Yep. not as much growth as what Peter Soufri is seeing, but it does see that growth.","start_word":5201,"end_word":5296,"sentiment":"neutral","sentiment_score":0.17195559417208037},{"text":"The money is still invested.","start_word":5297,"end_word":5301,"sentiment":"positive","sentiment_score":0.3746923804283142},{"text":"And you can Yep. still pull it down if you do need, you know, additional funds here and there for bills or for, you know, something big or a holiday or something because you're not working and you're over 60. You have Yes. full access to this money. Mhmm. But in saying that, if if you just wanna pay off the mortgage, you're welcome to ring me and go, Dana, I'm done. Take my money out. I just wanna put on the mortgage and reduce the amount we have. We would just pull it out. It can be done as a transaction without advice nice and quickly. It can go Yes. on the mortgage. And you're still young enough that if you change your mind, we can always put some back into super. So Yes. or Yes. invest it in other ways. So you do definitely Yes. have other options there to have a look at. Yeah. Okay. Yeah.","start_word":5302,"end_word":5460,"sentiment":"neutral","sentiment_score":0.10297238826751708},{"text":"Well, good.","start_word":5461,"end_word":5462,"sentiment":"positive","sentiment_score":0.34325483441352844},{"text":"But that's essentially, like, the changes made to yours and where we can see it going. I Mhmm. do wanna make sure we do catch up to see how it is tracking, and I will make sure do you guys prefer maybe a catch up once every three or six months? Do you how often would you like to sort of see a catch up moving forward?","start_word":5463,"end_word":5529,"sentiment":"neutral","sentiment_score":0.11158356815576552},{"text":"We're pretty confident in you, Dana. We're we're happy to go with this what you do for us now.","start_word":5530,"end_word":5548,"sentiment":"positive","sentiment_score":0.6792102456092834},{"text":"You Yeah. you're watching you're watching it all the time. Like, as you said, I if anything am. dramatic gonna Yeah. happen, you'll let me know to get it out.","start_word":5549,"end_word":5578,"sentiment":"neutral","sentiment_score":0.15819960832595825},{"text":"I'm happy with that.","start_word":5579,"end_word":5582,"sentiment":"positive","sentiment_score":0.4192984402179718},{"text":"Yeah. Yeah. Yeah.","start_word":5583,"end_word":5585,"sentiment":"neutral","sentiment_score":0.23007045686244965},{"text":"So It's it's okay. all good. Yeah. All good.","start_word":5586,"end_word":5594,"sentiment":"positive","sentiment_score":0.4535943865776062},{"text":"And if if you wanna send me through a statement, I can even send you another email after the call so you've got my email there. But if you wanna Yeah. send me through another statement just with the updated things, I can have a Yes. look and give you a comparison email to show, you know, what paying this down could do and how it could how much interest you could expect to kinda save on putting this money towards your mortgage just to give you a comparison Yes. so you can kind kinda have a think about what you'd like to do. Yeah. Yep. Alright then. Yeah.","start_word":5595,"end_word":5703,"sentiment":"neutral","sentiment_score":0.2140051853766135},{"text":"Oh, good.","start_word":5704,"end_word":5705,"sentiment":"positive","sentiment_score":0.3785380125045776},{"text":"So back up on page number 30 there, you'll just Yep. see I a got lot it. there are a lot of the same investments. So we're just gonna sell off some of your gold. You've got about 20% gold in there at the moment.","start_word":5706,"end_word":5750,"sentiment":"neutral","sentiment_score":0.10340888053178789},{"text":"It's a beautiful increase in your in your portfolio.","start_word":5751,"end_word":5759,"sentiment":"positive","sentiment_score":0.5653966069221497},{"text":"So selling off some of that and just retaining 10,000 in there, gold is a really great growth investment, but the downside to gold is it doesn't pay any income. So you wanna make sure you're getting some income investments. Oh, And okay. the benefit So does that mean so gold yeah. makes it so when you have it in gold, Yeah. how does it work for you if it's not coming back to you? I don't understand.","start_word":5760,"end_word":5837,"sentiment":"neutral","sentiment_score":0.07999977469444275},{"text":"I'm a bit dumb.","start_word":5838,"end_word":5841,"sentiment":"negative","sentiment_score":-0.4728512763977051},{"text":"Sorry. No. You you When have you say asked income. a really good question. Yeah. It's a really great question. So gold essentially goes on the price of gold, and we look at growth. So say if you bought a a couple of shares in gold or, you know, a bit of gold and you paid $20 per share in the gold price, Mhmm. and the next day, it went up to $50 per share. That essentially Yes. the difference, that $30 difference is your growth, and that's what gold does. It just grows and alters in value. Yep. So the difference between your buy price and the price that is Yep. the You next would day sell it or for. the next Yep. month is what you could sell it for. Correct. And that's essentially the growth, and that's all gold does. It Yep. only has Okay. growth in it. And how does Whereas that compare to something else? absolutely. So your S and P 500 and, say, your Vanguard fixed interest, Mhmm. those investments pay income, which is like dividends. So Okay. as an example, if you held BHP or CBA shares, Yep. those companies earn income every year. And Okay. at the I'm with at you. tax, yeah, at tax time, those companies all decide how much income to distribute between their investors. Their investors are you guys because you own those companies through super. Okay. But that just comes back to super. It's In goes yeah. into It gets your cash. paid it goes into your cash. That's right. And then Right. it gets Okay. reinvested back into your portfolio. I'm with you. Yeah. Yep. Yep. Okay. Does that So make sense? so it so it also still is how much you bought it for and how much you could sell it for, but it also Correct. is depositing cash into your cash amount. Yeah. Correct. Yeah. Right. Yep. Yeah. Right. Yep. Okay. So Because I you're getting benefits on two fronts. You want growth and income. Yeah. okay. Yeah. I'm with you. Yeah. Yeah. I've been watching Definitely. Gold because I have this one little pizzly nugget. Yeah. It's actually a tail, a t a e l, Nine. and it's 37.5 grams. And someone paid it to gave it to me in exchange for me selling something. I'm I think probably only five years ago, and and Yeah. I I sold a donger for for $2. And he said, you know, would you like the you'd like cash or would you like this piece of gold? And I said, oh, I think I might be interested in gold. So, yeah, that that's worth $8.08 and a half thousand now.","start_word":5842,"end_word":6295,"sentiment":"neutral","sentiment_score":0.045732556559178274},{"text":"Wow. That's fantastic.","start_word":6296,"end_word":6298,"sentiment":"positive","sentiment_score":0.4186216294765472},{"text":"No. But I wish I had more. More would be better than one little tiny 37.5 grams of gold. Yeah. I mean, hold on to that because gold's gone up by, what, 30 or 40% over the past Yeah. couple of years. Yeah. If it It continues, has. wow. Yeah. I've been looking at it. I've been looking at it. When I when I when I when I said yes to it, I did look it up to see if if he was it was my nephew, so I sort of believed him. I didn't do it there on the Yeah. spot. But Yeah. when but when we exchanged it, I did get on and have a look and thought, oh, no. He is right. It is worth that. Yeah.","start_word":6299,"end_word":6428,"sentiment":"neutral","sentiment_score":0.018563723471015692},{"text":"That's good.","start_word":6429,"end_word":6430,"sentiment":"positive","sentiment_score":0.5130767226219177},{"text":"Yeah. But, yeah, Yeah. that's been going on. And my daughter, they decided to buy silver, and now they wish they had bought more too. They only bought it last Yeah. year, and it's Wow. already doubled. Yeah. Two Wow. big two ingots, you know, two very large ingots of silver. But Yep. I said, oh, you you can only we're not rich, so you just do what you know you can afford to lose type of thing. Like, Abs you can absolutely. you you're not you're not Yeah. she's not gonna lose, but, you know, she said, oh, Yep. geez. I wish we'd have bought more. And I said, yeah. But you didn't you didn't know it was gonna double Yeah. and Yeah. go up twice a month. You know? Absolutely. Yeah. Yeah. No. It's That's always exactly nice to whenever say yeah. Sorry. it's always nice to say, oh, I should've done it. I should've done it. But had it dropped, they Yep. would've been glad they hadn't. Oh, absolutely. Absolutely. No.","start_word":6431,"end_word":6604,"sentiment":"neutral","sentiment_score":-0.03861223533749581},{"text":"That's fantastic. I mean, my kids have started investing in there.","start_word":6605,"end_word":6615,"sentiment":"positive","sentiment_score":0.45857110619544983},{"text":"I mean, I've had a little investments outside of Super for my kids for the past couple of years, but they've started putting their own money in there.","start_word":6616,"end_word":6643,"sentiment":"neutral","sentiment_score":0.24020278453826904},{"text":"And they've got a bit of gold, a bit of, you know, the S and P 500, a bit of little bits of everything here, and they're building that up. And it's really cool to kinda see things grow and build and, you know, it's Yeah. really fun.","start_word":6644,"end_word":6691,"sentiment":"positive","sentiment_score":0.6605994701385498},{"text":"It's it's not Well, great Maddie when did it all goes well, Maddie red. did But something herself when it comes to shares as well, but it was just something really little. And she Yeah. reckons that that's growing too, but she does put a little bit of money into that too. But Yeah. I think she's sort of holding back to try and she doesn't know when she can swap to use to do anything. I don't I don't know how much money she's got in super, but Keegan has Yeah. got 40, I think, but she would probably be equivalent to him. But she's about ready to go on maternity leave, So I don't know how long that's gonna last. You know? She's gonna probably Yeah. have twelve months maternity, and then I don't know Yeah. if Yeah. she's gonna go back or not Yeah. to earn Let it more let super. it have that first and then see what happens. And yeah. Look. Yeah. If any of them wanna have a chat to me, more than happy for them to reach out or for us to reach out to them even if it's, you know, not advice needed. They just want some information or, you know, Yes.","start_word":6692,"end_word":6901,"sentiment":"neutral","sentiment_score":-0.0033069150522351265},{"text":"ask to do a bit of work and give them some free advice. I'm absolutely happy to do that. I just I love working with people, and I wanna make everyone's world better.","start_word":6902,"end_word":6934,"sentiment":"positive","sentiment_score":0.5813140273094177},{"text":"So everyone's I would worked I so just hard. wish my I just wish my sister would take you up on on I recorded our conversation with you that I had with you so I could play it to her and she said, oh, yeah. It sounds like something we really need to do, but they haven't done anything. They've Yeah. done Yeah. nothing. They're just living off their money in the bank, and I just and Yeah. and she did confide at me and tell me that it's 1 and a half million that they've got to be in the bank.","start_word":6935,"end_word":7036,"sentiment":"neutral","sentiment_score":-0.04112540901291604},{"text":"It's probably not earning them anything, Dana.","start_word":7037,"end_word":7043,"sentiment":"negative","sentiment_score":-0.3459418714046478},{"text":"Yeah. Probably not earning Yeah. them anything at all. You know? Yeah. I don't It know. is a big it can be a big step for people to take to sort of think about an adviser. It's not something that everyone is comfortable or confident doing. But even if you just let Yeah. them know, look, there's no obligation to the initial consultation. They don't have Yes. to take any of the advice. Everything I give is it's just advice. And even with this like, I'm just giving you advice on how we can make the changes, but you guys get to decide whether you take it or not. There is no you know, it's all Yes.","start_word":7044,"end_word":7160,"sentiment":"neutral","sentiment_score":0.06469196826219559},{"text":"completely up to you. There's no obligation whatsoever on any of the advice I give, and I'm more than happy to alter it and Yeah. change it.","start_word":7161,"end_word":7187,"sentiment":"positive","sentiment_score":0.4854795634746551},{"text":"You know, I'll go back after this if you send me a statement. I'll go do a little bit of after work for you and show you a comparison on the mortgage, and then you can decide what you wanna do as well. So Yeah. it's by no means in any way, shape, form forcing you guys to do anything Yes.","start_word":7188,"end_word":7248,"sentiment":"neutral","sentiment_score":0.1454569399356842},{"text":"that you're not comfortable with, and I would never want anyone to feel like they're forced to take on anything they're not comfortable with.","start_word":7249,"end_word":7272,"sentiment":"negative","sentiment_score":-0.3822760283946991},{"text":"So Yes. I tend to just let people do things in their own time, and Yes.","start_word":7273,"end_word":7288,"sentiment":"neutral","sentiment_score":0.24258305132389069},{"text":"it tends to work out really well because they everyone thinks about it.","start_word":7289,"end_word":7301,"sentiment":"positive","sentiment_score":0.3966270685195923},{"text":"Some people procrastinate, but then when they make that leap, they feel good about making a leap. It's not as I just scary. I just thought the sooner that they did it, the So sooner that they could yeah. be making money to live off of instead Yeah.","start_word":7302,"end_word":7349,"sentiment":"neutral","sentiment_score":0.016486139968037605},{"text":"of dwindling Yeah.","start_word":7350,"end_word":7352,"sentiment":"negative","sentiment_score":-0.3669481575489044},{"text":"it away. That You know? is true. I just That is true. you know, like, as they spend it, like, at with that Yeah. amount of money, they can't get anything from the government. Nothing. So Yeah. they No. must I be living that's definitely they must be a living thing. out of their bank. So I just think to myself that, like, you they I think they would be really surprised at how much they don't they wouldn't even have to put all of it in. They Yes. wouldn't even Yeah. have to give you all of their No. money to manage. So you could just Correct. allocate half of it or something. But, Absolutely. you know Yeah. yeah. But, anyway, I haven't I'll really be okay. had the chance since I last spoke to you to sit down and say, Yeah. have you made any decisions? I just know Yeah. that she hasn't said, hey. Could you set up a meeting with me with Dana? So Yeah. there's been a little bit there's been a little bit on in the family. So perhaps, Yeah. you know, once she That gets might a bit be. more settled, she might approach me or I might approach her eventually again. Yeah. Yeah. Absolutely. So that No. I There's definitely things and that kind of money, there's definitely things we can do to try and get even a part pension out of the government to kind of alleviate some of the financial pressures and stress and give them a little bit of, you know, help. So yeah. but Yep. also having money just invested in different ways. It doesn't even have to be risky. You know? It can be as you guys get closer Very and secure. closer, I mean Yeah. yeah. Yeah. We can look at very defensive investments. We can look at things that are a lot more low risk because you guys have still sort of mentioned that you're not accessing super for ten years.","start_word":7353,"end_word":7688,"sentiment":"neutral","sentiment_score":0.060182174401623864},{"text":"With Peter still comfortable in that high growth environment, that's absolutely fine. With you in that growth environment, that's still fine and okay.","start_word":7689,"end_word":7711,"sentiment":"positive","sentiment_score":0.44786953926086426},{"text":"As you get closer to that ten year time horizon, I would definitely be telling you to pull things back a little bit, and we'll be having that conversation more and more as as the years go on. So, Yep. Yes. you know, we don't wanna keep you really risky forever. It's about making No. sure that you're invested in a comfort level, but also for the time horizon that you suit as well. So, yeah, there's definitely ways that we can look at that, and it's definitely different for everyone as well. Yeah. So Yeah. yeah. Yep. Yeah. But, no, that's essentially how those sorts of investments work. As I said, we'll sell a bit of the gold. You've got a high amount of fixed interest to the Vanguard. They will sell some of also all of that, sorry, Yes. and Yep.","start_word":7712,"end_word":7854,"sentiment":"neutral","sentiment_score":0.13793879747390747},{"text":"put the money into the core composite bonds because bonds are doing really well at the moment, and this is well diversified for you.","start_word":7855,"end_word":7878,"sentiment":"positive","sentiment_score":0.41271543502807617},{"text":"Mhmm. Yep. We'll keep some cyber security. Just bring you down to five to 5% there, and then we'll also have some European bringing you up to 8%. The iShares, Europe one, the Miski, we're gonna sell all of that. We're gonna buy a bit more Japan sorry. Sell a bit of Japan, bring you down to 5% there. The S Mhmm. and P 500 will bring you back down to about 30%. Make sure you've got some of the all world index as well. And then, again, we'll keep some we've got some beta shares a 200 in there as well for world diversification and access to the Australian market as well. Okay? Mhmm. Yes. Your your cash component is still quite high as well, so we're gonna make sure that we bring that down to the minimum because having a lot of money in cash really doesn't do anything for you. It actually costs you money by having it sitting in a cash account. You pay, you know, fees for that, but you don't get any kind of return for it. So Yes. And you that do all have that quite all came a lot that there. all came from dividends. Is that right? No. Yeah. It would have been over the course of the year, but a Yep. lot of it was also just, you know, in cash management. So the super Mhmm. funds do cash management every so often, and they'll sell an investment, try to re reweight or rebalance an investment, and the difference will go back into cash. So Okay. Okay. some of that would have been dividends paid. Some of it would have been other things like, you know, cash is being left out by the the fund doing cash management re and rebalances and things like that. Mhmm. Okay? Yep. Yep. Yeah. Yep.","start_word":7879,"end_word":8189,"sentiment":"neutral","sentiment_score":0.06794430443663689},{"text":"All good. All good.","start_word":8190,"end_word":8193,"sentiment":"positive","sentiment_score":0.5826303362846375},{"text":"Yeah. So this is essentially the major changes there. I'll show you why I've made these changes. If you go down to page 36 for me, Mhmm. and this is something that's not really important in any of the other plans. It's something I like to do. It's kind of modeling out to show you, you know, where we're kinda tracking. And if these investments perform the way we want them to the way they have over the past, we can kinda see that as you get to those retirement years, what kinda income you could be able to draw down. I've had a bit of a look, and based on the assets that we have noted, you will be eligible for a bit of central income. Mhmm. So this shows if we are to get some age pension all the way through and when we Yep. kind of originally spoke, we were looking for a regular weekly income of a thousand dollars per week from both of your spaces combined Yep. and how long that was gonna last. So this shows if we make these changes and if the markets work the way they have, and we'll keep tracking and looking at everything, You Mhmm. could be eligible for some age pension there, and then we can also draw some income out of both of your supers to supplement. And we can see here that your supers are expected to last until about age 91. No. And Okay. we're working on a projected income of 52,000 per year. This is estimating that you could exceed that and draw 80,205 between your super account balances and Centrelink and have Mhmm. that last until about age 91. So we could, if we drop down and draw less than 80,000, have that last a little bit longer there. But it shows Yes. you that if things work the way they're projected to currently, that this is where we can sort of see Yeah. things projected for retirement there. Okay? Mhmm. Yeah. I don't expect And then either of us to let last that long. I hope you do. No. I'm aiming for I reckon I'm aiming for early eighties. I reckon I'm too Oh, much like my mother. no. I want you to stay alive as long as I'm working. Once I hit retirement, it'll be fine. But No.","start_word":8194,"end_word":8590,"sentiment":"neutral","sentiment_score":0.0982817599798555},{"text":"But but but 90 the 90 sound is very encouraging. So, yeah, you're on a good yeah, good track there.","start_word":8591,"end_word":8610,"sentiment":"positive","sentiment_score":0.5551671981811523},{"text":"Yeah. yeah, and the next one down shows you essentially the track without age pension. So, obviously, without having age pension factored in here, we are a little bit short of what your goal income is between your two super accounts. Mhmm. And to get longevity, we'd be drawing about 28,000, which is less than what you you guys want. So Yes. we do wanna make sure we can sort of factor in age pension there, but I like to run these sorts of retirement calculators to see where we're Yes. tracking for, what we're headed towards, to give you a bit of an idea. I know it's not something that, if you put into the plans in the past, but I'd kind of like to show you what we're on track for and how we're projecting because it gives you an idea of what retirement might look like, and you guys have worked way too hard over the years not to enjoy your retirement. So Yeah. The thing is is as you are speaking and saying this over and over again, I'm starting to think that it it will be it won't be ten years.","start_word":8611,"end_word":8806,"sentiment":"neutral","sentiment_score":-0.04711700260772237},{"text":"I really don't think I don't think Peter will I don't think Peter will last another ten years at work.","start_word":8807,"end_word":8826,"sentiment":"negative","sentiment_score":-0.5119587182998657},{"text":"No. That's okay. But Yeah. but, yeah, you've done the figures for ten years, but I I'm Yeah.","start_word":8827,"end_word":8844,"sentiment":"neutral","sentiment_score":-0.08180270344018936},{"text":"I'm thinking it was probably gonna be a bit less.","start_word":8845,"end_word":8854,"sentiment":"negative","sentiment_score":-0.35889124870300293},{"text":"Maybe maybe maybe not. He is only 58. So if he ten years of making 68. Hey. Yeah. Yeah. Yeah. And that's kind of where I've I've put that retirement calculator was working on Peter's ten year time horizon, Yeah. so 60 Yep. eight for that one. And, Yep. I mean, you guys are eligible for age pension at 67. So, Yeah. Yeah. you know, Unless it that changes that is because can that change, yeah. do you think, in the next couple of years? Do you think they can I think it will change, but I don't think it will affect you guys. It'll be Oh, okay. it'll be grandfathered because anyone on and you sort of see when they made those changes to the age pension, they did grandfather it. So anywhere before 1961, there was kind of that change where people who were in their fifties were eligible for accessing Centrelink due to the year they were born. Yes. But I do think the change will be coming. I don't think it'll be in the ten years because right now with where we are, with the amount of people about to retire and, like, my mom is one of those. My mom is 64 this year, Yep. and she is hanging out for age 67 to be able to give up work. She's an age 10 Yes. nurse.","start_word":8855,"end_word":9085,"sentiment":"neutral","sentiment_score":-0.03321642056107521},{"text":"It's very it's very strenuous.","start_word":9086,"end_word":9090,"sentiment":"negative","sentiment_score":-0.5773927569389343},{"text":"My So sister 60 as well. Not not the yeah. one with the not the one with a lot of money, but the one that's struggling down south. She's Yep. four years older than me.","start_word":9091,"end_word":9125,"sentiment":"neutral","sentiment_score":-0.24066628515720367},{"text":"So she's 65 this year, but she has terrible Yep. back problems.","start_word":9126,"end_word":9137,"sentiment":"negative","sentiment_score":-0.3789210617542267},{"text":"Well, she's been in the funeral industry. So Oh, that's well, a lot. she so Yeah. she's chopped and changed from being a person who picks up the deceased, which is very hard on the body, to now so then she changed to just doing services. But she said, Yeah.","start_word":9138,"end_word":9187,"sentiment":"neutral","sentiment_score":-0.27146029472351074},{"text":"surprisingly, that's hard on the body as well.","start_word":9188,"end_word":9195,"sentiment":"negative","sentiment_score":-0.5242615342140198},{"text":"You know, Yeah. getting the bodies to and from, you know, crematoriums and and cemeteries and that. But now she's moved to a call center where she's organizing funerals. So she said, I'm hoping I'm hoping I can seek it for another two years, you know, at work. Yes. So she has managed to move with the times, but, you know, when she was doing transfers where she'd wake up in the middle of the night and have to go and pick up a body, Yes. And she said, Yes. yes. Yes.","start_word":9196,"end_word":9287,"sentiment":"neutral","sentiment_score":-0.14584705233573914},{"text":"You've got two people working, but she said, my back's just killing me.","start_word":9288,"end_word":9300,"sentiment":"negative","sentiment_score":-0.4182663559913635},{"text":"Yeah.","start_word":9301,"end_word":9301,"sentiment":"neutral","sentiment_score":-0.25102394819259644},{"text":"And she's she's always had terrible back problems.","start_word":9302,"end_word":9309,"sentiment":"negative","sentiment_score":-0.3903662860393524},{"text":"So she's been lucky though that she's now Yeah. transitioned to just sitting at a desk, taking phone calls, but Yeah. she's still got a time made the last two years. It's a long time, isn't it, before you can access a pension? You know? And her It husband's is. her husband's 13 Yeah. years older than her, so he's Yeah. been on a pension. And then and and yeah, she's she's battling. So I can Yeah. imagine if your mom's in aged care.","start_word":9310,"end_word":9393,"sentiment":"neutral","sentiment_score":-0.161503404378891},{"text":"My god.","start_word":9394,"end_word":9395,"sentiment":"negative","sentiment_score":-0.4062805771827698},{"text":"Yeah. Yeah.","start_word":9396,"end_word":9397,"sentiment":"neutral","sentiment_score":-0.2336876392364502},{"text":"It it's very, Hard work. very difficult. It is.","start_word":9398,"end_word":9406,"sentiment":"negative","sentiment_score":-0.48830822110176086},{"text":"It is. And we're just, you know, biding time. I'm keeping her going for a bit longer. And she knows as soon as she's because you can apply for age pension when you're thirteen weeks away from age 67 currently. So once she hits that thirteen week period, we are hitting that ground running and we're doing it. Yep. And the same thing for Yeah. you guys because I know you're over 60, so you'll reach 67 before Peter will. Yep. So when you get to that point, you and I can have that conversation. I can do some math and run some numbers and see what we do and, you know, how we maybe maneuver some money to make it worthwhile so you guys are eligible and keep as much age pension as possible because, you know, you've worked really hard. You deserve these sorts of things Yep. and a How little does bit it of that get age on, though? I thought I would not be eligible while Peter no. It depends was still on what working. he is Not earning. at all. Yeah. So if he's earning on the kind of income he is at the moment, there's a very real opportunity you may not be eligible because they Yep. work. You get the assets test and the income test, Mhmm. and the one that gives you the lower rate of pay is the one they go with. Okay. But we Of can course. but we can also look at, you know, maneuvering some things. I can find ways to I have legitimate legal ways to hide money or Yep. to we call it sheltering of funds Yeah. Yep. so that it's either not assessable or the accessibility by Centrelink is lowered because of the Mhmm. asset it is. Yep. And I can work out both the income and assets test and do the Yep. math calculation to work out how it work and what it looks like for you guys. So Yep. The trick there's the definitely trick will some be this things. not to have any assets other than your house, say, by the time you retire. Really? Not Essentially? necessarily not necessarily. I've got some really cool other things that we can look at to shelter money so that you Okay. have access to money when you need it, but the the the Centrelink isn't assessing it the same way as they would your super. Okay. Cool. Righto.","start_word":9407,"end_word":9820,"sentiment":"neutral","sentiment_score":0.00833898293223358},{"text":"Good Yeah. It is pretty cool. to It is pretty cool.","start_word":9821,"end_word":9831,"sentiment":"positive","sentiment_score":0.5039388537406921},{"text":"I know.","start_word":9832,"end_word":9833,"sentiment":"neutral","sentiment_score":0.1947990655899048},{"text":"I love it. It's funny Yeah. because one of my best friends works for Centrelink, so her job is to give you the least amount of money, and my job's to get you the Give most.","start_word":9834,"end_word":9869,"sentiment":"positive","sentiment_score":0.42934650182724},{"text":"the most. Because that is another thing that I found of Veronica, my sister, the one Yeah. who just sold her business and everything. Yeah. I always thought that she had no super. She said, no. No. We do have super. It's not much, but we do have a super fund. I said, oh, okay. Well, that's that is good to know because, Yeah. yeah, it might give you something Absolutely. more to work with if ever I can convince her to talk to Yeah. you. Abs absolutely. As I said, just make mention, there's no obligation, but as much as it's always better to try and do things as early as possible, it's also gotta be within someone's comfort level. So when they're ready, I will be there at any time they are not. Okay? Yeah. Okay then. Yeah. Yes.","start_word":9870,"end_word":10010,"sentiment":"neutral","sentiment_score":0.08169165998697281},{"text":"All good.","start_word":10011,"end_word":10012,"sentiment":"positive","sentiment_score":0.3701721429824829},{"text":"That's Alright. essentially what I needed to go through with you guys. I do have a little section at the bottom there just recommending that you still review your existing will. Retaining the insurances that you have at the moment, your your Peter's life and CBD and your life cover with real, just because you're still comfortable with the level of cover, but we'll keep reviewing those down the track as well. We had just had a small chat recently about life insurance. We were starting to wonder whether we should stop it. What's your views on that? Yeah. The biggest thing I sort of think of is life insurance is important in my view when you have a mortgage Yep. and Still or got some that. sort of debt that needs to be paid out. The other thing Yep. the other reason I kind of kept your super where it was was one of the other goals down the track was that you were wanting to maybe sell the property. So is that still something you're looking to do medium term, maybe sell the house and buy something Later smaller on. or It yeah. would have to yeah. I don't ever wanna leave here because we're the area that I live is just beautiful, and we have a lot of Yeah. we don't have close neighbors because of two and a half acres. But it's a six bedroom, three bathroom house, and I can't look after it Yeah. now. So by the time It's because a lot. I've just moved Veronica and George and they are in their seventies, Veronica's ten years older than me, I said to her, god.","start_word":10013,"end_word":10293,"sentiment":"neutral","sentiment_score":-0.023704446984779793},{"text":"I don't wanna be doing this in ten years. But it's a terrible thought that you have to leave the house that you really love just because it's big.","start_word":10294,"end_word":10322,"sentiment":"negative","sentiment_score":-0.5299853682518005},{"text":"You Yeah. know? Yep. So I don't Yeah. know whether we just close off rooms and don't venture into it. Yeah. And and Karl, that's what we gotta do. Karl Karl Karl Karl. Because when you see people when I was packing for Veronica, I just, you know, I just thought, oh, I don't wanna be doing this.","start_word":10323,"end_word":10380,"sentiment":"neutral","sentiment_score":-0.23609104752540588},{"text":"Like, packing drawers and drawers of shit.","start_word":10381,"end_word":10387,"sentiment":"negative","sentiment_score":-0.4126235544681549},{"text":"Yeah. Yeah. Because The the you things really do don't accumulate. you really you really don't need it, And I was just thinking, Yeah. oh, I I just need to start calling now so that all my cupboards in the house and, you know, the the things you have your TV standing on and all the drawers and cupboards and everything have nothing Yep. Yep. in it Yep. instead of all the shit that you accumulate and you don't ever look at and you don't Yeah. want or need or anything like that. But Yeah. I guess the reason why we were able to refinance was is because they did ask us the question. Well, my finance broker who I went through to get a loan, he Yeah. he said I've put it to them that Peter's gonna work another ten years. And, you know, when you're refinancing a loan at the age of 60 for Mhmm. a thirty year loan, they have Yep.","start_word":10388,"end_word":10551,"sentiment":"neutral","sentiment_score":-0.10724066942930222},{"text":"to know you're not gonna work.","start_word":10552,"end_word":10557,"sentiment":"negative","sentiment_score":-0.4409682750701904},{"text":"So the Yes. so so Troy sort of said, you know, it's it's what I'm putting towards them is that when you retire, you will sell, and you will Yes. pay off the loan, and you'll purchase something smaller. And I said, and that is probably what exactly what's gonna happen, Troy. That is Yeah. probably right. You know? So that that is what the future looks like that if we don't get the house paid off before we retire, then that, of course, is exactly what we would have to do. Yeah. Definitely. Yep. Well, Yeah. when you get to that point, yeah, if you still have the money and see, but we'll look at what we can do. I mean, another Yeah.","start_word":10558,"end_word":10681,"sentiment":"neutral","sentiment_score":0.18682172894477844},{"text":"way of sheltering that money from Centrelink is to be able to put it on the home because the home is a 100% exempt. So paying down the mortgage and putting the money on the home does sort of benefit you guys.","start_word":10682,"end_word":10723,"sentiment":"positive","sentiment_score":0.4937731325626374},{"text":"Yeah. Yep. But, yeah, you are right. When you get to those to ages with the mortgages and the lending side of things, they are looking for an exit strategy. They're looking at, you know, They if are. something Yep. happened, how are you gonna pay that back if you're not gonna Yep. work until you're 90? And and that So must that must yeah. have all been put to them because Troy came back and said, oh, look. I just told them that you have no intentions of being in this six bedroom, three bathroom house in ten years' time. And but you know the sad thing, Dana, is that our Yes. our insurance is 500 a month. That's the because Wow. of how much our house is insured for. But I said to Wow. I said to Peter, I wanna have a chat to our insurance broker because Yeah. brokers have brokers everywhere. And we were I was chatting to him, and I said, look, How how does insurance work? I always thought that you couldn't under insure. And he said, no. You're not supposed to under insure. I said, because it's like this.","start_word":10724,"end_word":10919,"sentiment":"neutral","sentiment_score":-0.09784003734892728},{"text":"If this house was to burn down, god forbid, we Mhmm. don't have all children at home anymore, so we wouldn't need to build a house as big.","start_word":10920,"end_word":10947,"sentiment":"negative","sentiment_score":-0.4276706576347351},{"text":"And he said, no. That's exactly right. You could build a house for a lot less. You know? So he Yes. he took it to the insurance company, and we've just heard back that they won't do it because it would be underinsuring. So now we're now we're battling with them to say, hold on a minute. We've got it insured for 1,700,000, but that's what we would sell it for. The land itself Yeah. would have to be worth something. Like, you Yeah. know, like, we wanna lessen the amount that we had it insured for. So, surely, we if we were to sell it oh, I don't think we'd get 1.7 to even sell, to be honest. I think we'd only Yes. get one one point three maybe. So you take the Yep. land off that. I reckon we should be able to insure it for a million, but at the moment, they don't wanna do it. Yeah. So Wow. so we're in a bit of a catch at the moment. Yeah. Don't know what to do about Yeah. it. Wow. That's crazy, isn't it? Yeah. Yeah. Yeah. Wow. Yeah. I know my house insurance has skyrocketed again with the 2022 floods in Northern New South Wales. And then Yeah. Yeah. and then the cycling thing last year, I think my flood levy went up to just over $1,000. I paid $3 just to insure my house this year.","start_word":10948,"end_word":11188,"sentiment":"neutral","sentiment_score":-0.16995859146118164},{"text":"Shocking.","start_word":11189,"end_word":11189,"sentiment":"negative","sentiment_score":-0.3983732461929322},{"text":"I nearly Yeah. cried. It's well, we've got no chance of flood where we live because we're high up on a little bit of a, you know, hill type thing, but our insurance is 5,000 a year. Yeah. Wow. Yeah. So we have to It's pay it a monthly lot.","start_word":11190,"end_word":11239,"sentiment":"neutral","sentiment_score":-0.19966566562652588},{"text":"monthly now because I I just can't find that money.","start_word":11240,"end_word":11249,"sentiment":"negative","sentiment_score":-0.3916095793247223},{"text":"You know? Yeah. But I well, I started thinking about it and just put it to our broker, our insurance broker, and I said, look. To rebuild, we don't have to have a 500 square meter under roof house. We don't have to. Yes. We we can Yes. build whatever we like. And he said, no. That's exactly right. But, yeah, they we just got an email the other day saying that insurance company was saying, no.","start_word":11250,"end_word":11326,"sentiment":"neutral","sentiment_score":-0.12084412574768066},{"text":"No. We don't like that. We don't like that Yeah.","start_word":11327,"end_word":11336,"sentiment":"negative","sentiment_score":-0.5666484236717224},{"text":"you're underinsuring. But, yeah, that was to rebuild a house while we had kids all living here with partners and and other ring ins. You know? Like, we would need to would have needed to rebuild this size house, but we've just had Maddie and her partner move out. And, you know, our other son's moved out, and another one's thinking of buying. And so, you know, I said we wouldn't we wouldn't have to rebuild this size house, so why do we have to insure it? But Yeah. apparently apparently, they're wanting us to do that. Wow. Wow. Yeah. So he's gonna take it back to them and say to resell it, they wouldn't get 1,700,000 Yep. and Yeah. see what Makes they say sense. then. Yeah. Definitely. Find it and see what they come out with. You just never know. You might win. You might be Yeah. a I you just might be don't able know. to I haven't put the I haven't put the option to him to say, look, if you started again with another company, convince them. a different a different insurer, couldn't you start fresh and say, this is what my house and this is what I wanna insure it for, and this is what I want the contents for, or do they have to know the be all and end all of what you had insured for the last people?","start_word":11337,"end_word":11573,"sentiment":"neutral","sentiment_score":-0.18315979838371277},{"text":"I don't know how it works.","start_word":11574,"end_word":11579,"sentiment":"negative","sentiment_score":-0.3887924551963806},{"text":"Yeah. I mean, when I've changed insurance, I've never had to give them any of the Yeah. documents. I've No. just You had haven't to tell had them to disclose. I had it. Yeah. No. Yeah. So yes. Interesting. Be worth be worth looking at. Yeah. Yeah. Wow. They couldn't Wow. go by what they couldn't go by what we bought it for because, you know, back in the day when we bought it, we thought we were kings and queens. I said, oh, we're really, you know, gonna be going over our budget here, but we love the house so much. And and now you can't buy a house in flood stricken area in Rockhampton for what we bought it for. Yeah. Absolutely. The what Wow. what we bought this for is just an a a 50 year old house now. You know, Yeah. like, skyrocketed so K. much, and there's nothing Yeah. available. So even the the dregs of the of the city are up around the $600,000 mark. Terrible. Yeah. Wow. Wow. Well, yeah, hopefully, they get that passed down for you a little bit. Then I'll look at I will I'm sorry. I'll send you an email after the call if you like. If you wanna send me a statement, I can have a look at the difference in the mortgage for you. Okay. I I also did just pull up a report for you real quick as well. So your portfolio over the last twelve months has returned at 8.65%. Yep. That's a return for growth and income of over 9,002 September, so an eight Mhmm. percent return. So Yeah. even without contributions, there is a possibility you can still get great returns and compounding out of your super. Yeah. The compounding So it can name. be done. Yeah. Yep. So it can definitely be done, but it's also gotta be something that you're comfortable with. So Yep. feel free to have it read to the document. Let me Hi, know if Caleb. you have any additional questions.","start_word":11580,"end_word":11922,"sentiment":"neutral","sentiment_score":0.021596388951074276},{"text":"If you're happy to take it on board and wanna suddenly go through the switch and take the advice, I'll get you to sign and return it back.","start_word":11923,"end_word":11950,"sentiment":"positive","sentiment_score":0.43037325143814087},{"text":"In the meantime, if you send me a statement, and I'll send you an email after the call as well, And I can go back and just do some additional research there for you, Mhmm. and Yep. I can send you a a comparison on what it might look like if you paid this money off the mortgage and what kind of interest you might save just so you can see the difference there. Okay? Okay then. Yeah.","start_word":11951,"end_word":12028,"sentiment":"neutral","sentiment_score":0.16526369750499725},{"text":"Sounds good.","start_word":12029,"end_word":12030,"sentiment":"positive","sentiment_score":0.5089290738105774},{"text":"I think Yeah. Peter's Oh, already good. made me sign it. I don't know. You probably got him back already. I have got something back at this high Yeah. sign. He's already it's already signed, love.","start_word":12031,"end_word":12066,"sentiment":"neutral","sentiment_score":0.13610440492630005},{"text":"That's okay.","start_word":12067,"end_word":12068,"sentiment":"positive","sentiment_score":0.3709364831447602},{"text":"Look.","start_word":12069,"end_word":12069,"sentiment":"neutral","sentiment_score":0.31076815724372864},{"text":"We'll make the changes for you anyway.","start_word":12070,"end_word":12076,"sentiment":"positive","sentiment_score":0.3348834812641144},{"text":"And Okay. then if you Yep. ever decide you if you decide you wanna pull it out, let me know.","start_word":12077,"end_word":12096,"sentiment":"neutral","sentiment_score":0.17029710114002228},{"text":"You've got me here. You can use me to your full advantage. I can do Yep. as much research as you want, and we can talk about all the options that are viable to you as well.","start_word":12097,"end_word":12133,"sentiment":"positive","sentiment_score":0.4006764888763428},{"text":"Okay? Alright then.","start_word":12134,"end_word":12136,"sentiment":"neutral","sentiment_score":0.26194190979003906},{"text":"Lovely talking to you again. Thank you so much Oh, for you looking too.","start_word":12137,"end_word":12150,"sentiment":"positive","sentiment_score":0.6805015802383423},{"text":"after Anytime, Yvonne.","start_word":12151,"end_word":12153,"sentiment":"neutral","sentiment_score":0.2761618196964264},{"text":"Thank you so much. Have a really great week. I'll talk to you soon.","start_word":12154,"end_word":12167,"sentiment":"positive","sentiment_score":0.6490834355354309},{"text":"it. Okay.","start_word":12168,"end_word":12169,"sentiment":"neutral","sentiment_score":0.21704885363578796},{"text":"Thanks, Dana. Bye bye. Thanks. See you later.","start_word":12170,"end_word":12177,"sentiment":"positive","sentiment_score":0.4718789756298065},{"text":"Bye.","start_word":12178,"end_word":12178,"sentiment":"neutral","sentiment_score":0.26208144426345825}],"average":{"sentiment":"neutral","sentiment_score":0.05263748241014218}}}}